The Apache OpenNLP library is a machine learning based toolkit for the processing of natural language text. It supports the most common NLP tasks, such as language detection, tokenization, sentence segmentation, part-of-speech tagging, named entity extraction, chunking, parsing and coreference resolution. These tasks are usually required to build more advanced text processing services.
Touch 'n Go eWallet
Touch 'n Go eWallet is a Malaysian digital wallet and online payment platform, established in Kuala Lumpur, Malaysia, in July 2017 as a joint venture between Touch 'n Go and Ant Financial. It allows users to make payments at over 280,000 merchant touch points via QR code, as well as perform peer-to-peer (P2P) money transfers. Since then, the e-wallet further diversified for users to pay for tolls via RFID or PayDirect, street parking and various online payment spanning e-hailing, car-sharing apps or taxis, various overhead bills; top-up for mobile prepaid or in-game currencies; purchases on e-commerce websites; food delivery; renewing motor insurance and other insurance/takaful plans; and even movie, bus, trains or airline tickets. == Background == Prior to the launch of the e-wallet service, Touch 'n Go provided stored-value physical all-in-one contactless card (namely Touch 'n Go cards or "TnG cards") that users can use to pay for toll fares, public transportation and parking lots as well as purchases in some retail stores. In 1999, Touch 'n Go also markets SmartTag devices that allow road users to pass through certain toll booths without the need to unwind the car window. The high entry cost of the device (around RM 100 each) also meant that only few can enjoy the seamless experience. In 2009, Touch 'n Go partnered with Maxis to launch FastTap, a new mobile payment service that utilised Near-Field Communication (NFC). Maxis customers can make payments by placing the phone near the card readers (that also supports physical bank cards and Touch ’N Go cards). However, the venture featured only one phone model, Nokia 6212, which greatly limited the public reach. In July 2012, Touch 'n Go announced another collaboration with CIMB and Maxis to create similar NFC-based online transaction service that runs on compatible smartphones. Touch 'n Go Wallet was launched in February 2017 as an QR code-based e-wallet application, to compete with Samsung Pay that utilizes NFC modules. In the controlled pilot test in Taman Tun Dr Ismail, the correspondents can experience basic functionalities (prepaid mobile service reload, bills payment, movie tickets and flight tickets purchase, transfer of money with another user, and payments at participating stores and restaurants). While the deployed version of the app was generally well-received, the existing process to transfer the balance to the physical TnG card stored value from the app garnered unanimous backlash. Test groups felt that the need to head to a self-service terminal named "Pick Up Device" in person within 24 hours for completion, along with the failure to do so (the balance would be credited back to the wallet after 24 hours), was not divulged clearly and also defeated the purpose of convenience, not to mention there were only 2 such terminals. The feature was eventually suspended. On 15 November 2017, Touch 'n Go was granted permission by the Central Bank of Malaysia to form a joint venture with Ant Financial, a Chinese-based financial company that operates Alipay. The partnership allowed the local e-wallet to learn from and build upon the operational model pioneered by Alipay. In June 2018, it was reported that Touch 'n Go was pilot testing the uses of the Touch 'n Go eWallet in Rapid Transit, as the ticketing system was enabled on the Kelana Jaya line in the Klang Valley. Pilot testing only applied to stations in Kelana Jaya, KL Gateway–Universiti, Kerinchi, KL Sentral, Dang Wangi, KLCC, and Ampang Park. The test was reported to be successful in February 2020 and was planned to be fully deployed on the LRT and MRT. Due to unforeseen circumstances, this feature did not come into fruition, the app merely adds in-app purchase of monthly concession cards called "My50". In August 2018, Touch 'n Go announced that selected drivers may experience first-hand a new RFID-based payment (later rebranded as "myRFID") that serves to replace SmartTag devices on closed toll roads with during pilot testing phase commencing on 3 September 2018. On 2 November 2018, participation in the ongoing pilot programme was expanded, allowing more drivers to sign up ahead of the public rollout of the RFID system. During the same period, Touch 'n Go has discontinued the sales of SmartTAG devices in favor of the RFID-based payment system. Initially, the installation of the RFID chip onto the car could only be done by Touch 'n Go staff at the RFID fitment centers, at no cost. As the pilot testing concluded on 15 February 2020, a self-installation kit are being offered to the public on Lazada and Shopee. Support for taxi-hailing mobile apps was added in November 2018 when Touch 'n Go partnered with EzCab and Public Cab, allowing users to make payments via QR code. This was later expanded to support MULA on 7 January 2020, and later MyCar on 4 April 2020. Touch 'n Go eWallet was also the first eWallet to convert Kuala Lumpur's most famous Ramadan bazaar in Kampong Bahru into "Kampong Kashless", a venue that can accept cashless QR payments. It welcomed more than 250,000 Malaysians including local celebrities and government officials. On 1 October 2019, some e-commerce websites owned by the Alibaba Group (TMall and Taobao) began to support Touch 'n Go eWallet payments, Lazada joined the list on 29 October 2019. Touch 'n Go eWallet was one of the three e-wallet services in Malaysia (the other being Boost and GrabPay) that was eligible for its users to receive an RM 30 credit in conjunction of E-Tunai Rakyat program under the Budget 2020 plan, that further normalizes adoption of cashless and mobile payment among Malaysians. Unlike Boost and GrabPay, whose P2P transfers were completely disabled until users have exhausted the RM 30 first, Touch 'n Go eWallet did not impose such measures. in 2020, Touch 'n Go eWallet joined DuitNow, an electronic transaction ecosystem in Malaysia which allows the funds from Touch 'n Go eWallet to be transferred to other competing services and vice versa, by implementing a standard DuitNow QR code deisgn. Japan become the first country outside Malaysia to support Touch 'n Go eWallet payment via Alipay Connect. During the COVID-19 pandemic and the enforcement of the movement control order, use of eWallets (including Touch 'n Go eWallet) increased tremendously among citizens due to its contactless nature of the payment and increased take-out orders at home; which in turn helped small and medium-sized enterprises to thrive. Touch 'n Go eWallet launched its loyalty programme – The Goal Hunter – in October 2020 where on monthly basis, users collect stamps by paying with the app in exchange for rewards that include lucky draws and other vouchers. == Services == Touch 'n Go eWallet app is available for download on both Google Play and Apple Appstore. It utilizes QR code technology for local in-store payments. The Touch 'n Go eWallet app also diversifies payment types, including but not limited to Utility bills Purchase of motor insurance policy Pay Later facility Prepaid reload and Postpaid payment to telecommunications companies loan repayments for courts, MBSJ payments, zakat and PTPTN payment for car parking P2P transfer airline ticket bookings; movie tickets from TGV Cinemas RFID refuelling at Shell stations (defunct after Shell launched its own payment app in 2024) User can reload the eWallet credit by setting up auto-reload, purchasing reload pins from convenience stores (such as 7-Eleven, KK Super Mart, MyNews, Family Mart etc.), reloading by FPX and credit/debit card. The PayDirect feature allows users to link their physical Touch 'n Go cards into the eWallet, where the toll fare can be debited from the eWallet balance when flashing the card near the sensor. In the circumstance of insufficient balance in the app, the toll fare will be deducted from the physical card's balance instead. This also conveniently allows users to view the card's remaining balance. Touch 'n Go eWallet is the first and only eWallet to offer a money-back guarantee when an unauthorised transaction is made on the user’s eWallet account, subject to Terms & Conditions. Payment via QR code scanning, including Touch 'n Go eWallet, becomes a norm in most of the shops/restaurants across Malaysia, including roadside hawkers/stall owners and automatic vending machines. The merchants usually display their owner's individual QR or Business account that they can apply for in-app. The popularity attributes to the low merchant onboarding cost (Unlike NFC payment and debit/credit card that requires purchase or rental of a payment terminal device at a yearly fee.) The app is also one of the few ewallet that supports bidirectional liquidity (alongside MAE developed by Maybank), where funds can be transferred two-way with bank accounts. This is not possible with the other major ewallets (GrabPay, Boost, ShopeePay etc.) where the money that is reloaded to the wallet cannot be transferred to another bank account, unless through manual req
Sayre's paradox
Sayre's paradox is a dilemma encountered in the design of automated handwriting recognition systems. A standard statement of the paradox is that a cursively written word cannot be recognized without being segmented and cannot be segmented without being recognized. The paradox was first articulated in a 1973 publication by Kenneth M. Sayre, after whom it was named. == Nature of the problem == It is relatively easy to design automated systems capable of recognizing words inscribed in a printed format. Such words are segmented into letters by the very act of writing them on the page. Given templates matching typical letter shapes in a given language, individual letters can be identified with a high degree of probability. In cases of ambiguity, probable letter sequences can be compared with a selection of properly spelled words in that language (called a lexicon). If necessary, syntactic features of the language can be applied to render a generally accurate identification of the words in question. Printed-character recognition systems of this sort are commonly used in processing standardized government forms, in sorting mail by zip code, and so forth. In cursive writing, however, letters comprising a given word typically flow sequentially without gaps between them. Unlike a sequence of printed letters, cursively connected letters are not segmented in advance. Here is where Sayre's Paradox comes into play. Unless the word is already segmented into letters, template-matching techniques like those described above cannot be applied. That is, segmentation is a prerequisite for word recognition. But there are no reliable techniques for segmenting a word into letters unless the word itself has been identified. Word recognition requires letter segmentation, and letter segmentation requires word recognition. There is no way a cursive writing recognition system employing standard template-matching techniques can do both simultaneously. Advantages to be gained by use of automated cursive writing recognition systems include routing mail with handwritten addresses, reading handwritten bank checks, and automated digitalization of hand-written documents. These are practical incentives for finding ways of circumventing Sayre's Paradox. == Avoiding the paradox == One way of ameliorating the adverse effects of the paradox is to normalize the word inscriptions to be recognized. Normalization amounts to eliminating idiosyncrasies in the penmanship of the writer, such as unusual slope of the letters and unusual slant of the cursive line. This procedure can increase the probability of a correct match with a letter template, resulting in an incremental improvement in the success rate of the system. Since improvement of this sort still depends on accurate segmentation, however, it remains subject to the limitations of Sayre's Paradox. Researchers have come to realize that the only way to circumvent the paradox is by use of procedures that do not rely on accurate segmentation. == Directions of current research == Segmentation is accurate to the extent that it matches distinctions among letters in the actual inscriptions presented to the system for recognition (the input data). This is sometimes referred to as “explicit segmentation”. “Implicit segmentation,” by contrast, is division of the cursive line into more parts than the number of actual letters in the cursive line itself. Processing these “implicit parts” to achieve eventual word identification requires specific statistical procedures involving hidden Markov models (HMM). A Markov model is a statistical representation of a random process, which is to say a process in which future states are independent of states occurring before the present. In such a process, a given state is dependent only on the conditional probability of its following the state immediately before it. An example is a series of outcomes from successive casts of a die. An HMM is a Markov model, individual states of which are not fully known. Conditional probabilities between states are still determinate, but the identities of individual states are not fully disclosed. Recognition proceeds by matching HMMs of words to be recognized with previously prepared HMMs of words in the lexicon. The best match in a given case is taken to indicate the identity of the handwritten word in question. As with systems based on explicit segmentation, automated recognition systems based on implicit segmentation are judged more or less successful according to the percentage of correct identifications they accomplish. Instead of explicit segmentation techniques, most automated handwriting recognition systems today employ implicit segmentation in conjunction with HMM-based matching procedures. The constraints epitomized by Sayre's Paradox are largely responsible for this shift in approach.
Object co-segmentation
In computer vision, object co-segmentation is a special case of image segmentation, which is defined as jointly segmenting semantically similar objects in multiple images or video frames. == Challenges == It is often challenging to extract segmentation masks of a target/object from a noisy collection of images or video frames, which involves object discovery coupled with segmentation. A noisy collection implies that the object/target is present sporadically in a set of images or the object/target disappears intermittently throughout the video of interest. Early methods typically involve mid-level representations such as object proposals. == Dynamic Markov networks-based methods == A joint object discover and co-segmentation method based on coupled dynamic Markov networks has been proposed recently, which claims significant improvements in robustness against irrelevant/noisy video frames. Unlike previous efforts which conveniently assumes the consistent presence of the target objects throughout the input video, this coupled dual dynamic Markov network based algorithm simultaneously carries out both the detection and segmentation tasks with two respective Markov networks jointly updated via belief propagation. Specifically, the Markov network responsible for segmentation is initialized with superpixels and provides information for its Markov counterpart responsible for the object detection task. Conversely, the Markov network responsible for detection builds the object proposal graph with inputs including the spatio-temporal segmentation tubes. == Graph cut-based methods == Graph cut optimization is a popular tool in computer vision, especially in earlier image segmentation applications. As an extension of regular graph cuts, multi-level hypergraph cut is proposed to account for more complex high order correspondences among video groups beyond typical pairwise correlations. With such hypergraph extension, multiple modalities of correspondences, including low-level appearance, saliency, coherent motion and high level features such as object regions, could be seamlessly incorporated in the hyperedge computation. In addition, as a core advantage over co-occurrence based approach, hypergraph implicitly retains more complex correspondences among its vertices, with the hyperedge weights conveniently computed by eigenvalue decomposition of Laplacian matrices. == CNN/LSTM-based methods == In action localization applications, object co-segmentation is also implemented as the segment-tube spatio-temporal detector. Inspired by the recent spatio-temporal action localization efforts with tubelets (sequences of bounding boxes), Le et al. present a new spatio-temporal action localization detector Segment-tube, which consists of sequences of per-frame segmentation masks. This Segment-tube detector can temporally pinpoint the starting/ending frame of each action category in the presence of preceding/subsequent interference actions in untrimmed videos. Simultaneously, the Segment-tube detector produces per-frame segmentation masks instead of bounding boxes, offering superior spatial accuracy to tubelets. This is achieved by alternating iterative optimization between temporal action localization and spatial action segmentation. The proposed segment-tube detector is illustrated in the flowchart on the right. The sample input is an untrimmed video containing all frames in a pair figure skating video, with only a portion of these frames belonging to a relevant category (e.g., the DeathSpirals). Initialized with saliency based image segmentation on individual frames, this method first performs temporal action localization step with a cascaded 3D CNN and LSTM, and pinpoints the starting frame and the ending frame of a target action with a coarse-to-fine strategy. Subsequently, the segment-tube detector refines per-frame spatial segmentation with graph cut by focusing on relevant frames identified by the temporal action localization step. The optimization alternates between the temporal action localization and spatial action segmentation in an iterative manner. Upon practical convergence, the final spatio-temporal action localization results are obtained in the format of a sequence of per-frame segmentation masks (bottom row in the flowchart) with precise starting/ending frames.
Conversational user interface
A conversational user interface (CUI) is a user interface for computers that emulates a conversation with a human. Historically, computers have relied on text-based user interfaces and graphical user interfaces (GUIs) (such as the user pressing a "back" button) to translate the user's desired action into commands the computer understands. While an effective mechanism of completing computing actions, there is a learning curve for the user associated with GUI. Instead, CUIs provide opportunity for the user to communicate with the computer in their natural language rather than in a syntax specific commands.
Summify
Summify was a social news aggregator founded by Mircea Paşoi and Cristian Strat, two former Google and Microsoft interns from Romania. The service emailed its users a periodic summary of news articles shared from their social networks based on their relevance and importance. The platform supported Twitter, Facebook, and Google Reader accounts. == History == In 2009, Paşoi and Strat created ReadFu, a plugin that provided a contextual summary and statistics of the target page of a hyperlink. In January 2010, ReadFu was accepted into the Vancouver-based start-up incubator Bootup Labs. On March 20, 2010 the service was renamed to Summify and a private beta began. On August 11, 2010 Paşoi and Strat announced a new direction for the service. It would become a real-time social news reader that aggregates incoming news from social networks and displays articles by importance using social reactions. After some feedback that the users preferred article digests by email more than the real-time news reader version, Summify discontinued the news reader version. In March 2011, Summify completed a Seed round, with investors including Rob Glaser, Accel Partners, and Stewart Butterfield. Summify received coverage from various news and media outlets such as TechCrunch. It was also featured in various news platforms, such as Time, The Globe and Mail, Mashable, VentureBeat, Gizmodo, Lifehacker, and The Next Web. Summify released a free app on the Apple App Store on July 8, 2011. The app allowed users to read their web summaries from iOS mobile devices. Summify was acquired by Twitter on January 19, 2012. The service shut down soon after, on June 22, 2012.
Computational semantics
Computational semantics is a subfield of computational linguistics. Its goal is to elucidate the cognitive mechanisms supporting the generation and interpretation of meaning in humans. It usually involves the creation of computational models that simulate particular semantic phenomena, and the evaluation of those models against data from human participants. While computational semantics is a scientific field, it has many applications in real-world settings and substantially overlaps with Artificial Intelligence. Broadly speaking, the discipline can be subdivided into areas that mirror the internal organization of linguistics. For example, lexical semantics and frame semantics have active research communities within computational linguistics. Some popular methodologies are also strongly inspired by traditional linguistics. Most prominently, the area of distributional semantics, which underpins investigations into embeddings and the internals of Large Language Models, has roots in the work of Zellig Harris. Some traditional topics of interest in computational semantics are: construction of meaning representations, semantic underspecification, anaphora resolution, presupposition projection, and quantifier scope resolution. Methods employed usually draw from formal semantics or statistical semantics. Computational semantics has points of contact with the areas of lexical semantics (word-sense disambiguation and semantic role labeling), discourse semantics, knowledge representation and automated reasoning (in particular, automated theorem proving). Since 1999 there has been an ACL special interest group on computational semantics, SIGSEM.