Human face recognition systems have gained a considerable attention during last few years. There are very many applications with respect to security, sensitivity and secrecy. Face detection is the most important and first step of recognition system. Human face is non rigid and has very many variations regarding image conditions, size, resolution, poses and rotation. Its accurate and robust detection has been a challenge for the researcher. A number of methods and techniques are proposed but due to a huge number of variations no one technique is much successful for all kinds of faces and images. Some methods are exhibiting good results in certain conditions and others are good with different kinds of images. Image discriminating techniques are widely used for pattern and image analysis. Common discriminating methods are discussed. / SIPL, Mechatronics, GIST 1 Oryong-Dong, Buk-Gu, Gwangju, 500-712 South Korea tel. 0082-62-970-2997

Made available in DSpace on 2016-03-15T19:32:56Z (GMT). No. of bitstreams: 1 Ernani Possato dos Santosprot.pdf: 2286270 bytes, checksum: 96bb14c147c5baa96f3ae6ca868056d6 (MD5) Previous issue date: 2015-08-14 / The credit claims to be one of the most important tools to trigger and move the economic wheel. Once it is well used it will bring benefits on a large scale to society; although if it is used without any balance it might bring loss to the banks, companies, to governments and also to the population. In relation to this context it becomes fundamental to evaluate models of credit capable of anticipating processses of default with an adequate degree of accuracy so as to avoid or at least to reduce the risk of credit. This study also aims to evaluate three credit risk models, being two parametric models, discriminating analysis and logistic regression, and one non-parametric, decision tree, aiming to check the accuracy of them, before and after the segmentation of such sample through the criteria of costumer s size. This research relates to an applied study about Industry BASE. / O crédito se configura em uma das mais importantes ferramentas para alavancar negócios e girar a roda da economia. Se bem utilizado, trará benefícios em larga escala à sociedade, porém, se utilizado sem equilíbrio, poderá trazer prejuízos, também em larga escala, a bancos, a empresas, aos governos e aos cidadãos. Em função deste contexto, é precípuo avaliar modelos de crédito capazes de prever, com grau adequado de acurácia, processos de default, a fim de se evitar ou, pelo menos, reduzir o risco de crédito. Este estudo tem como finalidade avaliar três modelos de análise do risco de crédito, sendo dois modelos paramétricos, análise discriminante e regressão logística, e um não-paramétrico, árvore de decisão, em que se avaliou a acurácia destes modelos, antes e após a segmentação da amostra desta pesquisa por meio do critério de porte dos clientes. Esta pesquisa se refere a um estudo aplicado sobre a Indústria BASE.