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Smart card datasets in the public transit network provide opportunities to analyse the behaviour of passengers as individuals or as groups. Studying passenger behaviour in both spatial and temporal space is important because it helps to find the pattern of mobility in the network. Also, clustering passengers based on their trips regarding both spatial and temporal similarity measures can improve group-based transit services such as Demand-Responsive Transit (DRT). Clustering passengers based on their trips can be carried out by different methods, which are investigated in this paper. This paper sheds light on differences between sequential and combined spatial and temporal clustering alternatives in the public transit network. Firstly, the spatial and temporal similarity measures between passengers are defined. Secondly, the passengers are clustered using a hierarchical agglomerative algorithm by three different methods including sequential two-step spatial-temporal (S-T), sequential two-step temporal-spatial (T-S), and combined one-step spatiotemporal (ST) clustering. Thirdly, the characteristics of the resultant clusters are described and compared using maps, numerical and statistical values, cross correlation techniques, and temporal density plots. Furthermore, some passengers are selected to show how differently the three methods put the passengers in groups. Four days of smart card data comprising 80,000 passengers in Brisbane, Australia, are selected to compare these methods. The analyses show that while the sequential methods (S-T and T-S) discover more diverse spatial and temporal patterns in the network, the ST method entails more robust groups (higher spatial and temporal similarity values inside the groups). [ABSTRACT FROM AUTHOR]

Assessing the default of customers is an essential basis for personal credit issuance. This paper considers developing a personal credit default discrimination model based on Super Learner heterogeneous ensemble to improve the accuracy and robustness of default discrimination. First, we select six kinds of single classifiers such as logistic regression, SVM, and three kinds of homogeneous ensemble classifiers such as random forest to build a base classifier candidate library for Super Learner. Then, we use the ten-fold cross-validation method to exercise the base classifier to improve the base classifier's robustness. We compute the base classifier's total loss using the difference between the predicted and actual values and establish a base classifier-weighted optimization model to solve for the optimal weight of the base classifier, which minimizes the weighted total loss of all base classifiers. Thus, we obtain the heterogeneous ensembled Super Learner classifier. Finally, we use three real credit datasets in the UCI database regarding Australia, Japanese, and German and the large credit dataset GMSC published by Kaggle platform to test the ensembled Super Learner model's effectiveness. We also employ four commonly used evaluation indicators, the accuracy rate, type I error rate, type II error rate, and AUC. Compared with the base classifier's classification results and heterogeneous models such as Stacking and Bstacking, the results show that the ensembled Super Learner model has higher discrimination accuracy and robustness. [ABSTRACT FROM AUTHOR]