This method results in a large number of vectors and is susceptible to camera motion and object motion. The sensitivity to motion is reduced by extracting features from the whole frame, among which histogram is the mostly used. The disadvantage of global features is it tends to have low performance at detecting the boundary of two similar shots. To balance the tradeoff of resistance to motion and discriminating similar shots, a region based feature is proposed. Region-based method divides each frame into equal-sized blocks, and extracts a set of features per block. Based on the assumption that color content doesn’t change rapidly within but across shots, color is the mostly used features, others are edges and textures.

Assume that features computed in the first stage are similar within one shot but vary across shots, one can compute the distance of feature vectors of adjacent frames, and compare it against a threshold. A distance higher than the threshold usually corresponds to a hard cut. This fixed threshold is hard to detect gradual transitions because of its slow-changing nature. In addition, most videos have variations in each frame and also sudden change within one shot, such as appearance of a new object. Computing the distance of multiple frames will cancel these variations. Another method is to vary the threshold depending on the average distance within the current shot or the statistics of the whole video. The problem was also formulated as a binary classification task in which two classes are ’’transition” and ”no transition”.

Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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