WorldWideScience

Sample records for business card images

  1. Business Card Recognition System Based on Digital Image Processing

    Directory of Open Access Journals (Sweden)

    Wu Xue

    2013-04-01

    Full Text Available Computer automatic understanding of document images becomes an increasingly hot issue in digital image processing and pattern recognition field, in which business card recognition system is a hot topic. The paper develops business card recognition software with good application prospects. It mainly has the functions including image acquisition, pretreatment, card recognition and extraction, business card tilt correction, positive and negative matching of business card, business card storage and retrieval. The paper proposes two new algorithms, one is to use digital image region labeling and automation for realizing automatic recognition and extraction of single business card, the other is to use pixel area interpolation method for tilt correction. The results prove that the two algorithms have wider applicability. They not only can use digital image region labeling and automation for form recognition, but also can use pixel area interpolation method for circumvolving in any angle.

  2. Insights into greeting cards to enhance the business communication and relation between Finnish and Chinese companies

    OpenAIRE

    You, Xiaolai

    2013-01-01

    Objective of the study: The objective of the study is to identify the role that the greeting cards play in the business contexts between Finnish and Chinese companies, to figure out whether sending greeting cards has positive impacts on business relations, and to clarify that people's preference on a certain image and color is due to cultural factors or business background. The aim of the study is to help the international companies realize the importance of holiday greetings and keep long...

  3. Creating Greeting Cards: A Business Brings Pleasure.

    Science.gov (United States)

    Ohio State Univ., Columbus. Center for Vocational and Technical Education.

    The learning experiences in the teacher's guide provide second, third, and fourth grade students at the primary level with the opportunity to participate in the creation and production of greeting cards. Students explore different kinds of cards and become involved in the production process of a simulated greeting card company. They learn about…

  4. Jeu de cartes or Jeu Descartes: Business Cards in a French Course for the Professions.

    Science.gov (United States)

    Gegerias, Mary

    This paper discusses the use of French business cards in a college-level French language and culture course for professionals. Among other assignments, students were each given a different card and asked to speak about the design of their card, the business represented, idiomatic expressions and historical allusions on the card, and the use of…

  5. Dual Resolution Images from Paired Fingerprint Cards

    Science.gov (United States)

    NIST Dual Resolution Images from Paired Fingerprint Cards (PC database for purchase)   NIST Special Database 30 is being distributed for use in development and testing of fingerprint compression and fingerprint matching systems. The database allows the user to develop and evaluate data compression algorithms for fingerprint images scanned at both 19.7 ppmm (500 dpi) and 39.4 ppmm (1000 dpi). The data consist of 36 ten-print paired cards with both the rolled and plain images scanned at 19.7 and 39.4 pixels per mm. A newer version of the compression/decompression software on the CDROM can be found at the website http://www.nist.gov/itl/iad/ig/nigos.cfm as part of the NBIS package.

  6. Small business use of credit cards in the U.S. market

    OpenAIRE

    Susan Herbst-Murphy

    2012-01-01

    America’s small businesses have adopted credit cards as both a payment method and a borrowing vehicle. The segment also uses other payment card products, including debit, charge, and prepaid cards. The dollar volume of spending with cards designed for small businesses increased by 230 percent over the five-year period from 2003-2008. But the recession of 2007-2009 and contemporaneous changes in the regulatory environment had effects on both the supply to and demand of small businesses with re...

  7. Secure E-Business applications based on the European Citizen Card

    Science.gov (United States)

    Zipfel, Christian; Daum, Henning; Meister, Gisela

    The introduction of ID cards enhanced with electronic authentication services opens up the possibility to use these for identification and authentication in e-business applications. To avoid incompatible national solutions, the specification of the European Citizen Card aims at defining interoperable services for such use cases. Especially the given device authentication methods can help to eliminate security problems with current e-business and online banking applications.

  8. Forum: House of Cards: Analyzing "Making Skills Everyone's Business "

    Science.gov (United States)

    St. Clair, Ralf

    2015-01-01

    When policy is made in a particular area, not only does one have to decide what to do but why he/she is doing it. Any plan for action is like a house of cards. At the bottom, there are assumptions. They hold up the next layer, which is the definition of the problem. At the top is the response, what is to be done. If any of the lower cards is not…

  9. Plain and Rolled Images from Paired Fingerprint Cards

    Science.gov (United States)

    NIST Plain and Rolled Images from Paired Fingerprint Cards (PC database for purchase)   NIST Special Database 29 is being distributed for use in development and testing fingerprint matching systems. The data consist of 216 ten-print fingerprint card pairs with both the rolled and plains (from a bottom of the fingerprint card) scanned at 19.7 pixels per mm. A newer version of the compression/decompression software on the CDROM can be found at the website http://www.nist.gov/itl/iad/ig/nigos.cfm as part of the NBIS package.

  10. Does Credit-card Information Reporting Improve Small-business Tax Compliance?

    OpenAIRE

    Joel Slemrod; Brett Collins; Jeffrey Hoopes; Daniel Reck; Michael Sebastiani

    2015-01-01

    We investigate the response of small businesses operating as sole proprietorships to Form 1099-K, an information report released in 2011 which provides the Internal Revenue Service with information about payment card sales. Theory and distributional analysis isolates affected taxpayers, who report receipts equal to or slightly exceeding the receipts reported on 1099-K. Information reporting made these taxpayers more likely to file a return declaring business income, and increased filers’ repo...

  11. PCI card with DMA capabilities for digital imaging detectors

    Energy Technology Data Exchange (ETDEWEB)

    Fanti, Viviana [Dipartimento di Fisica dell' Universita, INFN Sezione di Cagliari, S.P. per Sestu km. 0.7, 09042 Monserrato (Canada) (Italy); Marzeddu, Roberto [Dipartimento di Fisica dell' Universita, INFN Sezione di Cagliari, S.P. per Sestu km. 0.7, 09042 Monserrato (Canada) (Italy)]. E-mail: roberto.marzeddu@ca.infn.it; Randaccio, Paolo [Dipartimento di Fisica dell' Universita, INFN Sezione di Cagliari, S.P. per Sestu km. 0.7, 09042 Monserrato (CA) (Italy)

    2006-07-01

    A readout card based on the standard PCI 32-bit/33 MHz bus has been developed for the fast readout of digital systems. The PCI card exploits a PCI bridge chip with Direct Memory Access (DMA) capabilities which permits to obtain a measured throughput up to 90 Mbytes/s. The PCI card has two high-density 80-pin connectors for data I/O; an external system acquisition card can be connected through two flat cables. A powerful programmable logic FPGA provides the management of the I/O lines; by default, 32 input and 32 output single-ended lines (CMOS) plus six LVDS lines are provided, but the FPGA allows several different I/O configurations depending on the specific application requirements. Another programmable device manages the control and status signals of the local bus and the Synchronous Static RAM available for data storage. Due to its main features like the configurable I/O patterns and the high throughput, this PCI card is suitable for applications like the fast readout of imaging acquisition systems.

  12. The government purchase card under the Federal Acquisition Streamlining Act (FASA) of 1994 : a small business perspective

    OpenAIRE

    Yabut, Adorado B

    1997-01-01

    This thesis examines the effect of recent government acquisition reform initiatives on the small business establishment. Specifically, this thesis investigates the consequences of the Federal Acquisition Streamlining Act (FASA) of 1994 and the use of the government purchase card on government contracting using simplified acquisition procedures to the small business concern. It analyzes micro-purchase and small business set-aside transactions to understand the significant factors influencing t...

  13. Guidelines for Creating a Rule-Based Knowledge Learning System and Their Application to a Chinese Business Card Layout Analysis

    Institute of Scientific and Technical Information of China (English)

    PAN Wumo; WANG Qingren

    2001-01-01

    Rule selection has long been a problem of great challenge that has to be solved when developing a rule-based knowledge learning system. Many methods have been proposed to evaluate the eligibility of a single rule based on some criteria. However, in a knowledge learning system there is usually a set of rules. These rules are not independent, but interactive. They tend to affect each other and form a rulesystem. In such case, it is no longer reasonable to isolate each rule from others for evaluation. A best rule according to certain criterion is not always the best one for the whole system. Furthermore, the data in the real world from which people want to create their learning system are often ill-defined and inconsistent. In this case, the completeness and consistency criteria for rule selection are no longer essential. In this paper, some ideas about how to solve the rule-selection problem in a systematic way are proposed. These ideas have been applied in the design of a Chinese business card layout analysis system and gained a good result on the training data set of 425 images. The implementation of the system and the result are presented in this paper.

  14. Smart Card

    OpenAIRE

    Floarea NASTASE

    2006-01-01

    Reforms in electronic business have presented new opportunities to use smart card technology as an enabling tool. The network-centric applications, where resources are located throughout the Internet and access to them is possible from any location, require authenticated access and secured transactions. Smart cards represent an ideal solution: they offers an additional layer of electronic security and information assurance for user authentication, confidentiality, non-repudiation, information...

  15. Sustainability and business: what is green corporate image?

    Science.gov (United States)

    Bathmanathan, Vathana; Hironaka, Chikako

    2016-03-01

    Green corporate image is reckon to be the driving factor in the current business setups. Stakeholder’s green perception of the firm encourages growth of businesses. Organisation is moving from conventional businesses to running businesses with sustainable agenda that creates values to their brand. This paper analyses several green corporate image initiatives and concepts by various researches and shares how this can be essential for business.

  16. Creation of positive image in small business as social technology

    OpenAIRE

    Bokareva V. B.

    2011-01-01

    Article purpose is the analysis of creation of positive image in small-scale business as social technology. Problems: to make definition of small-scale business and social technologies; to allocate intrinsic characteristics of social technologies; to define technolozation process of formation of image. The practical importance of article consists in possibility of application of the resulted recommendations in practice of social management by small-scale business.

  17. Security of Visa card and MasterCard for e-transaction

    Institute of Scientific and Technical Information of China (English)

    李琳

    2009-01-01

    With the rapidly growth of information and technology, e-business is becoming a buzz word. It has been brought enormous benefits. But there are still hidden dangers for these businesses. The security of payment card is essential for e-transactions. So it is vital for businesses to protect the security of payment card. MasterCard and Visa Card are two types of card that are widely used by most people for online transaction (Davis. & Bensmati, 2003).

  18. Business accomplishments, gender and entrepreneurial self-image

    OpenAIRE

    Thurik, Roy; Verheul, Ingrid; Uhlaner, Lorraine

    2003-01-01

    textabstractDrawing on Bem’s psychological theory of self-perception, this paper presents and tests a model that examines the impact of business accomplishments and gender on entrepreneurial self-image and explores the definition of entrepreneurship according to Vesper’s Entrepreneurial Typology. Regression techniques are used to identify those business accomplishments that university alumni associate with self-perceptions of entrepreneurship. Experience as a small business person (founding, ...

  19. 商业银行信用卡业务发展与风险管理%The Risk Management and Business Development of the Credit Card

    Institute of Scientific and Technical Information of China (English)

    殷樱; 宋良荣; 唐惠贤

    2014-01-01

    回顾信用卡业务在我国的发展历程、分析信用卡业务的发展现状,不难发现中国已成为全球信用卡业务增长最快、发展潜力最大的市场。作为未来消费信贷的重要增长点,在金融行业民间资本准入制度的放开、全球化进程不断深入、移动互联快速普及的大数据时代,民间资本、外资银行对信用卡业务的广泛渗透,以及互联网金融的创新发展,必将导致国内信用卡业务参与方关系日趋复杂,信用卡市场竞争日趋激烈。因此,信用卡业务发展过程中所面临的问题及发行风险不容忽视。文中采用行为概率及效用函数的方法对信用卡消费行为进行博弈分析,应用行为分析的结果,对信用卡业务中诸如个人信用登记评估制度,发卡机构营销、审批机制和产品附加值,消费管理和奖惩制度及法律法规制定等相关问题进行了剖析,系统分析了银行信用卡发行过程中的风险,并对信用卡市场的健康发展提出了几点建议。%In order to analyze the risk of the credit card in a systematic way, the probability of certain action and utility fu-nction are used in the paper. According to the review of the development of domestic credit card business and market , it's not difficult to know that China has been the most worthy market in global credit card business. As a significant growing point , with the admittance of private capital to the financial industry, as well as foreign banks' infiltration during the financial globalization, the competition in the credit card business will be more and more fierce. Moreover, in the big data background, the rapid popu-larization of the mobile Internet and the development of the Internet finance will make the relationships among the participants of the credit card business become more and more complicated. Therefore , the problem and potential risk during the business devel-opment is discussed

  20. What can you bring to the table during a hazard event?: Its more than exchanging business cards before a crisis

    Science.gov (United States)

    Reddy, C. M.

    2015-12-01

    When a hazard event occurs, it creates an intersection of interests with a wide range of stakeholders with different roles, agendas, responsibilities, metrics of success, time scales, training, experience, comfort levels for uncertainty, and expectations to be involved. It is a cultural melting pot that affords little time for a rich and fruitful melded product to develop. I will argue and present that in my field of oil spills, there have been great strides to overcome this challenge by having these different groups meet and learn about each other. While it is one thing to have "exchanged business cards" prior to a crisis, what do you do when the "response" is greeted with academic scientists who want to help? I will argue that you can distill this other challenge to two simple points: (1) the responders need to communicate what they need, what resources they have, how fast they need answers, and what level of certainty they will accept and (2) academics need to understand that responders have little time for a 60-slide PowerPoint presentation on a potentially unproven approach, a long list of publications, and a discussion on H-factors. Simply, academic researchers need to provide a frank and brief description on what they can do, the logistics it demands, and a willingness to be part of a team that simply wants to "put out the fire", save lives, and reduce damages with the potential for little reward from academia's perspective. It can take eight years to get tenure in academia, but a responder at a hazard event may only have eight hours to make a decision with whatever intelligence they have. And that's the rub: wanting to help is just not enough. Academics have to show that you can make a timely difference for the response. In this talk, I will expand on this distinction and provide potential solutions.

  1. Achievement report for fiscal 1998 on area consortium research and development business. Area consortium for venture business development by building base for small business (abuse double protected next generation card system based on steganography); 1998 nendo venture kigyo ikuseigata chiiki consortium kenkyu kaihatsu (chusho kigyo sozo kibangata). Steganography gijutsu wo riyoshita jisedaigata fusei shiyo taju boshi guard system no kenkyu kaihatsu

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1999-03-01

    A card system is developed using BPCS (Business Planning and Control System) steganography, with electronic data imbedded in the card. Under the system, the visual recognition of the user and the mechanical verification of the card are carried out simultaneously, with the card rejecting any abuse. In fiscal 1998, a system was built by way of trial, constituted of technologies of encoding, decoding, and packaging data into an IC (integrated circuit) card. A photograph of the user's face is attached to the card, the card carries an 8KB IC memory device, and the device stores data of the photograph of the user's face etc. A password has to be inputted before any data may be taken out. A customized key is required to display the imbedded personal data and, for the restoration of the key data, the personal key known only to the owner and the company key that is kept by the card managing company need to be collated with each other. Multiple checking is available for the prevention of abuse, which include the collation of face photographs, collation with display by inputting the password, and request for the customized key to confirm the presence of authority to read the imbedded personal data. (NEDO)

  2. Analysis and Building of the Card Bank System Business Model%卡银行系统业务模型的分析和建立

    Institute of Scientific and Technical Information of China (English)

    张利; 张刚

    2012-01-01

    In this research, business modeling was carried out aiming at card bank system, obtaining the concept model, logic model and physics model of card bank system. The overall solution of achieving SOA architecture with standardized process engine was elaborated through discussing the implementing measures of card bank system business architecture and business flow. Additionally, abstract model of process engins and three kinds of open-source workflow engine were discussed,and their merits and demerits were compared. The research achievements verified the effectiveness of the three layers SOA modeling method, which was innovated and adopted all the time in our laboratory.%笔者针对卡银行系统进行业务建模,得到卡银行系统的概念模型、逻辑模型和物理模型.通过探讨卡银行系统业务系统架构以及业务流程实施方法,阐述了采用标准化流程引擎实现SOA架构的系统整体解决方案.研究还讨论了流程引擎的抽象模型以及三种主流开源工作流引擎,并比较了各自的优劣.以上研究的成果验证了本实验室自创并一直沿用的SOA三层模型建模方法的有效性.

  3. Online Business Cards Generator

    OpenAIRE

    Turic, Matúš

    2015-01-01

    Vizitky jsou stále nedílnou součástí marketingu. Vizitka představuje snadný způsob výměny základních kontaktních informací mezi jednotlivci. Tato bakalářská práce se zabýva popisem a tvorbou webové aplikace, pomocí níž si bude každý moci vytvořit vlastní vizitku podle předem připravených šablon. Výsledkem webové aplikace je PDF soubor s vytvořenými vizitkami.

  4. Forum: House of Cards--or--Trojan Horse?: A Response to Ralf St. Clair's House of Cards: Analyzing "Making Skills Everyone's Business"

    Science.gov (United States)

    Scully-Russ, Ellen

    2015-01-01

    In this article, Ellen Scully-Russ responds to St. Clair's analysis (EJ1072357) of the recent policy report from the Office of Career, Technical and Adult Education, "Making Skills Everyone's Business: A Call to Transform Adult Learning in the United States" (MSEB) (United States Department of Education [USDoE], 2015). While Scully-Russ…

  5. QUALITY AWARDS: AN IMAGE OF BUSINESS EXCELLENCE

    Directory of Open Access Journals (Sweden)

    Ilies Liviu

    2015-07-01

    Full Text Available Across the world, increasingly more governmental organizations and industrial are doing everything possible to promote quality and to survive, the basic principle remains customer satisfaction and even more than that, it speaks of the principle of customer delight. In this sense, quality has become the source of sustained competitive advantage that provides organizations the supremacy of the global markets characterized by competition which becoming more and more intensified. Juran, one of the highest quality gurus say that “just as the twentieth century was the century of productivity, the twenty-first century will be the quality century” which is a very relevant and comprehensive statement of the economic reality of the past and a profound forecast for future business of the twenty-first century. In this regard, in order to achieve this competitive advantage, quality must be managed and this is accomplished through Total Quality Management (TQM. Quality awards models are instruments of total quality management through which quality can be assessed and improved, thus, knowing the quality awards models is critical for findings the new ways to improve the quality and performance of the organizations. The present paper aims to illustrate the best practices on quality improvement in this respect we intend to present the general framework of the quality awards for business excellence. In this sense we present the most important international quality awards, namely: "Malcolm Baldrige National Quality Award", "European Quality Award" and “Romanian Quality Award J. M. Juran". For this purpose we used as main sources of analyzing the structure and the operation mode of these three important quality awards, Juran's work (which is probably the most important work in the field of quality and other relevant sources in total quality management which treats issues related to quality awards and also we used as sources of updated information the official

  6. Business accomplishments, gender and entrepreneurial self-image

    NARCIS (Netherlands)

    A.R. Thurik (Roy); I. Verheul (Ingrid); L.M. Uhlaner (Lorraine)

    2003-01-01

    textabstractDrawing on Bem’s psychological theory of self-perception, this paper presents and tests a model that examines the impact of business accomplishments and gender on entrepreneurial self-image and explores the definition of entrepreneurship according to Vesper’s Entrepreneurial Typology. Re

  7. CREDIT CARDS: FRAUDS &PREVENTION

    OpenAIRE

    Manoj Malik; Rahul Dev Kaushik

    2015-01-01

    A Credit or cash card in its various avatars is a money payment device rather a device for taking loan or making purchase on credit. They are used extensively. Business worth trillions of rupees is being transacted through credit cards annually worldwide. The credit card is used only at certain specified mercantile centers without paying the cost of merchandise to the merchant at the spot. In other words purchase are made on credit. The merchant has already an agreement to collect the sale mo...

  8. CLASSIFYING CREDIT CARD ACCOUNTS FOR BUSINESS INTELLIGENCE AND DECISION MAKING: A MULTIPLE-CRITERIA QUADRATIC PROGRAMMING APPROACH

    OpenAIRE

    YONG SHI; YI PENG; GANG KOU; ZHENGXIN CHEN

    2005-01-01

    A major challenge in credit card portfolio management is to classify and predict credit cardholders' behaviors in a reliable precision because cardholders' behaviors are rather dynamic in nature. This is crucial for creditors because it allows them to take proactive actions and minimize charge-off and bankruptcy losses. Although the methods used in the area of credit portfolio management have improved significantly, the demand for alternative and sophisticated analytical tools is still strong...

  9. Christmas cards

    Institute of Scientific and Technical Information of China (English)

    李国勤

    2002-01-01

    Every December,millions of Christmas cards go through the post offices.There're pictures of stars,snow or Christmas tree on the cards. In these days it's hard to think of a Christmas without cards,yet 150 years ago there were no cards at all.Here's jus! one story about the Christmas cards.Some boys of those days who were at boarding school had to write a special piece of English at Christmas time。

  10. Chinese Credit Card Interest Rate: Recent Credit Card Pricing Model Progress and the Comparative Study

    OpenAIRE

    Wang, Ting

    2008-01-01

    In recent years, while the cost of funds has fallen, credit card rates have remained stubbornly high, spurring legislators to consider imposing interest rate ceilings on credit card rates. The fast development of the credit card business depends on its potential high profit. Internationally, the credit card annual interest rate maintains 18% ~ 24%. Moreover, it does not change along with the benchmark interest rate. Chinese credit card interest rate formulated in 1996 was "the date intere...

  11. Card Reader

    Institute of Scientific and Technical Information of China (English)

    Lan Xinzhen

    2012-01-01

    Huo Haizhong,a farmer in Zhuning Village,Shanxi Province,holds a special card in his hand,a card that will help his future.It's not a credit card,nor a debit card or spccial membership-it's a farmer's card,a large note card where Huo records informarion about crop yield,farm animals and his family's income.It's also a place where Huo can jot down problems on his farm and make suggestions to the local government.The farmer's card is being promoted across Zuoquan County.The county began promoting the card in 2008 on a trial basis,and now all 204 villages under its administration have introduced the card.

  12. All Cards On the Table

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Foreign-funded banks were allowed to issue bank cards after securing renminbi business for Chinese citizens last December, ushering in toe-to-toe competition between Chinese and foreign banks The China Banking Regulatory Commission(CBRC) began

  13. The Role of Action Research in the Study of Small Business Marketing and Retailer Loyalty Card Data

    OpenAIRE

    Donnelly, Christina; Simmons, Geoff; Armstrong, Gillian; Fearne, Andrew

    2012-01-01

    The small business is challenged on a daily basis to compete in an ever demanding and ever expanding marketplace. As a result of new technologies such as market intelligence databases, small business owner-managers are playing catch–up with larger and more resource based firms in maintaining current insight into the market. Larger firms have typically been better positioned to afford and analyse the latest market intelligence data for internal marketing purposes. This study pro...

  14. 指纹识别技术在银行卡业务中的应用分析与设计%The Application Analysis and Design of Fingerprint Identification Technique in Bank Cards Business

    Institute of Scientific and Technical Information of China (English)

    曾庆勇

    2012-01-01

    The frequent cases of bank cards crime make the bank cards security has become more and more important. Fingerprint i- dentification requires the cardholder's biological characteristics, so it can improve the security. This article introduces the basic prin- ciple of fingerprint identification technique, feasible schemes and cautions about application it in hank cards business.%银行卡犯罪案件频发,使得银行卡安全变得越来越重要。指纹识别需要持卡人的生物特征,可以很好地提高安全性。文章主要介绍指纹识别技术的基本原理,银行卡业务中增加指纹识别的可行方案和注意事项。

  15. 入世以来上海地区牡丹信用卡业务的发展%The Development of Peony Credit Card Business in Shanghai Since the Entry of China into WTO

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    入世10年来,中国经济金融的发展和转型为银行卡业务带来契机,上海开放多元的经济文化和持续增长的人均收入也为信用卡业务提供了良好的外部环境。上海地区牡丹信用卡业务在这10年中得到长足发展,多项指标位居同业首位。后世博与后金融危机时期,在上海加快经济结构转型、加大发展现代服务业的大背景下,上海地区牡丹信用卡业务的发展将面临多重压力与挑战。工商银行上海市分行将以科学发展观为指导,坚持业务创新,坚持结构调整,坚持服务转型,稳健提升市场占比,积极提高客户满意度,全力打造“上海地区第一信用卡品牌”。%Ten years has passed since China became a member of WTO. The economy and finance in China have achieved considerable development and transformation, which provides a wonderful opportunity for bank card business. Both the open and diverse economic cultures and persistently increasing per capita income in Shanghai create friendly external environment for credit card business. Peony credit card business in Shanghai has considerably developed during the past decade and obtained the first place in lots of indicators among peers. In the post-crisis and post-Expo period, Shanghai will speed up economic restructuring and accelerate to develop modem service industry. Under such background, Peony credit card business in Shanghai will face many development pressures and challenges. Under the guide of Scientific Outlook on Development, ICBC Shanghai Branch will adhere to business innovation, insist structural adjustment and service transformation, enhance market share steadly, improve customer satisfaction pro-actively and try our best to establish "Top One Credit Card Brand in Shanghai".

  16. Wallet Card

    Data.gov (United States)

    U.S. Department of Health & Human Services — The CMS Office of Information Products and Data Analysis, OIPDA, produces the CMS Wallet Card as a quick reference statistical summary on annual CMS program and...

  17. Is the debit card revolution finally here?

    OpenAIRE

    Caskey, John P.; Gordon H. Sellon

    1994-01-01

    For three decades, experts on payments systems have forecast the imminent arrival of a completely electronic, paperless payment system. In this vision of the future, households, businesses, and government agencies would replace paper transactions with faster, more efficient electronic payments. The centerpiece of this new payment world is the debit card, a magnetically encoded plastic card that would eliminate cash, checks, and even credit cards in most retail transactions.> While some parts ...

  18. Design of interference-imaging spectrum data transmission Card Based on PCI Bus

    Institute of Scientific and Technical Information of China (English)

    Ma,Dongmei; Gao,Wei; Wang,Xinfeng

    2005-01-01

    Take the interference-imaging spectrometer for example, the paper analyses the characters of the spectrum-forming signals and their timing sequence. Then inspects the key technology in the interference-imaging spectrum data transmission system, and indicates a design for the system-which is based on computer PCI bus with CPLD technique imbedded. The system's circuitry and function are also presented.

  19. An empirical investigation of pricing and competition in the UK credit card market

    OpenAIRE

    Knight, Helen Julie

    2010-01-01

    The UK credit card market has attracted significant interest since the late 1990s, partly because of the strong growth it has enjoyed and also because of the aggressive behaviour of a number of new entrants. The credit card market consists of two very different businesses: card issuance - the "consumer-end", which provides credit cards and bears the credit risk of the customer and merchant acquiring, and the "backroom business", which recruits outlets to accept credit cards and undertakes the...

  20. Card Product Use and Perception of Marketing Communication by Card Issuers among Students

    Directory of Open Access Journals (Sweden)

    Đurđana Ozretić Došen

    2011-06-01

    Full Text Available Student population is a very interesting and important segment of the market to the marketing practitioners involved in card business. The services and products offered by card issuers to students are created with a view to attracting the kind of users who will grow accustomed to a long-term, loyal use of a chosen card brand, i.e. beyond the point at which they complete their academic education. This paper describes the exploratory research on card products designed for the student population which was conducted in the Republic of Croatia. Student awareness of card products and their habits associated with card use were also examined. Additional areas of research were student attitudes and perceptions with regard to card products and to the appeal of the marketing communications which target this specific market segment. Results showed that the majority of students hold debit cards of the banks in which they have their current accounts. Students use cards actively, most of all for the purpose of withdrawing cash at automated teller machines (ATMs and least of all for Internet purchases. They assess card use as being simple, and card holders are also aware of the various benefits provided through it. However, the recall of advertisements for card products point to the conclusion that card issuers do not communicate with students in a manner which the latter would find appealing.

  1. Relationship between 99mTc-ECD SPECT images and performance of the Wisconsin card sorting test in healthy humans

    International Nuclear Information System (INIS)

    Purpose: To investigate the relationship between 99mTc-ECD SPECT and performance of the Wisconsin Card Sorting Test (WCST) in normal young and aged volunteers through the semi-quantitative analysis of the baseline and cognition activated rCBF images. Methods: 18 young and 17 aged volunteers were enrolled. The education level of the two groups was matched. All subjects were healthy and CT results of all the aged volunteers were normal. Both baseline and cognition activated 99mTc-ECD SPECT were performed on all the subjects. The cognition activated brain SPECT: The cognitive task was WCST. 1110 MBq 99mTc-ECD was administered by intravenous bolus injection 5 minutes after the onset of the WCST. The images were reconstructed and semiquantitatively analyzed. WCST were scored through 9 items: 1) period, 2) categories, 3) total corrects, 4) conceptual level (%), 5) perseverative responses, 6) total errors, 7) perseverative errors, 8) perseverative error (%), 9) non-perseverative errors. Results: 1) Compared with the baseline, the activated rCBF values of frontal, left temporal and left parietal lobes were higher in young subjects. 2) The activated rCBF values of right frontal lobe is slightly higher than those of baseline in aged group. 3) WCST scores: the young had significantly better scores than the aged in 7 items. 4) The baseline and activated rCBF values of the frontal lobes and anterior cingule were closely related to the scores of categories, perseverative responses, total errors and non-perseverative errors. Conclusions: 1) The distribution patterns of 99mTc-ECD are different between young and aged volunteers. 2) The performance of WCST mainly relates to frontal lobes. The mild hypoperfusion of the frontal lobe in aged group may be the cause of poor conceptual and thinking ability. 3) First found the significant correlation between anterior cingule and performance of WCST

  2. How Business and Marketing Ethics Can Affect Hotel Brand Image, Case: Chinese Hotel Chain

    OpenAIRE

    Guo, Xinxin

    2013-01-01

    Ethical business and marketing is the new model, and the thesis tries to explore how ethical issues impact Chinese hotel brand image. Moreover, by the combination of corporate social responsibility and customers’ value, to carry out the social values-driven marketing, the company can fully take on its social responsibility and business ethics throughout the marketing process, realizing the win-win of social benefits and company benefits. Thereby, these pave a way for ethics and brand image, a...

  3. 商业银行信用卡业务个人信用评估模型研究%The Study on the Individual Credit Assessment based in the Business of the Commercial Bank Credit Card

    Institute of Scientific and Technical Information of China (English)

    龙绪密; 尹莉媛; 赵红翠

    2012-01-01

    个人信用评估是商业银行信用卡业务一直存在的问题,本文通过信用卡客户信息数据进行实证研究,构建基于C4.5算法的个人信用评估模型,并对信用模型进行了预测和评估,模型有较好的预测效果,可以为信用卡业务的个人信用风险管理提供借鉴。%Individual credit assessment has been a problem in the business of bank credit card. This paper, through em- pirical research on customer information, builds a individual credit assessment model based on C4.5 algorithm, and the predic- tion and credit evaluation of the model, which can be used to improve the credit risk management of the credit card business, has a good effect.

  4. Smart Cards and Card Operating Systems

    NARCIS (Netherlands)

    Hartel, Pieter H.; Jong, de Eduard K.

    1996-01-01

    The operating system of an IC card should provide an appropriate interface to applications using IC cards. An incorrect choice of operations and data renders the card inefficient and cumbersome. The design principles of the UNIX operating system are most appropriate for IC card operating system desi

  5. Smart Cards and Card Operating Systems

    OpenAIRE

    Hartel, Pieter H.; Jong, de, J.

    1996-01-01

    The operating system of an IC card should provide an appropriate interface to applications using IC cards. An incorrect choice of operations and data renders the card inefficient and cumbersome. The design principles of the UNIX operating system are most appropriate for IC card operating system design. The actual design that we recognise as UNIX (or any other current operating system for that matter) is not appropriate for IC cards.

  6. A new data acquisition and imaging system for nuclear microscopy based on a Field Programmable Gate Array card

    Energy Technology Data Exchange (ETDEWEB)

    Bettiol, A.A. [Centre for Ion Beam Applications, Department of Physics, National University of Singapore, Blk S7 2 Science Dr. 3, Singapore 117542 (Singapore)], E-mail: phybaa@nus.edu.sg; Udalagama, C.; Watt, F. [Centre for Ion Beam Applications, Department of Physics, National University of Singapore, Blk S7 2 Science Dr. 3, Singapore 117542 (Singapore)

    2009-06-15

    The introduction of the new Field Programmable Gate Array (FPGA) cards by National Instruments has made it possible for the first time to develop reconfigurable custom data acquisition hardware easily with the LabVIEW programming environment. Data acquisition issues such as precise timing for scanning and operating system latencies can now be easily overcome using this new technology because the data acquisition software is embedded in the FPGA chip on the card. In this paper we present the first results of the new data acquisition system developed at the Centre for Ion Beam Applications (CIBA), National University of Singapore using the new National Instruments cards in conjunction with rack mountable Wilkinson type ADCs.

  7. CREDIT CARD FRAUD

    OpenAIRE

    Lăcrămioara BALAN; POPESCU, MIHAI

    2011-01-01

    Credit card fraud is the misuse of a credit card to make purchases without authorization or counterfeiting a credit card. Credit cards are the most often used electronic payment instrument. Types of credit card fraud are: online credit card fraud, advance payments, stolen card numbers, shave and paste, de-emboss/re-emboss etc. If current growth rates continue, credit cards and debit cards will each exceed the number of paid checks before the end of the decade. As the industry continues to exp...

  8. Card Product Use and Perception of Marketing Communication by Card Issuers among Students

    OpenAIRE

    Đurđana Ozretić Došen; Bernarda Vajda

    2011-01-01

    Student population is a very interesting and important segment of the market to the marketing practitioners involved in card business. The services and products offered by card issuers to students are created with a view to attracting the kind of users who will grow accustomed to a long-term, loyal use of a chosen card brand, i.e. beyond the point at which they complete their academic education. This paper describes the exploratory research on card products designed for the student population...

  9. Business identity, image and reputation: The integration of theoretical perspectives for a successful management

    Directory of Open Access Journals (Sweden)

    Andrea Pérez

    2014-05-01

    Full Text Available The corporate marketing perspective is a new paradigm which identifies the management of the business identity, image and reputation as an essential tool for the survival and success of companies. Accordingly, the correct understanding of these three concepts is a basic pre-requisite for the companies interested in managing their businesses in accordance to the latest marketing trends. Nonetheless, the proliferation of diverse approaches to the study of the identity, image and reputation hampers the generation of useful knowledge regarding these issues. In this paper, an integrative perspective is proposed to better understand the concepts and dimensions of the business identity, image and reputation. The theoretical review provided in the paper allows scholars and practitioners to better understand these three faces of the corporate marketing perspective.

  10. Optimal Payment Cards Fees

    OpenAIRE

    Assaf Eilat

    2007-01-01

    Credit card rebates, which are paid to all credit card users regardless of borrowing, have grown substantially. This paper analyzes this phenomenon by comparing the socially and privately optimal interchange fees in debit and credit cards. Compared to debit cards, credit cards raise efficiency by allowing convenient borrowing, but also tax nonholders in order to finance the rebates paid to credit card users. A welfare enhancing and legally feasible policy is suggested, under which the regress...

  11. Morality, Ethics and True Image in Business Accounting

    OpenAIRE

    Ionel BOSTAN; Carmen COSTULEANU; Emil HOROMNEA; Marcel COSTULEANU

    2011-01-01

    By its nature, the accounting field is in a close connection with ethics, morality and religion. The concepts of morality, ethics and religion are closely connected to each other and at the same time they are complementary. How many bankrupts occurred in economy and how many human dramas could be avoided if morality should have been present? How many rich people could be aware of the sufferings of the majority if the ethics of business would have been known to them? In our everyday living, al...

  12. THE CARD - CURRENCY WITH AND WITHOUT CASH

    Directory of Open Access Journals (Sweden)

    Nicoara Mihaela

    2012-12-01

    Full Text Available Use by individuals and businesses resulting in reduced cash cards in circulation, the corresponding increase in transfer payments and payments accounts also limit exchange risks and make effective use of currency. As a result, we have the effect of reducing cash in circulation. These advantages are also available for businesses and for banks and leads to favorable effects on import-export business. Following this, banks can diversify our products, so to meet customers' new products.

  13. Consumer credit counseling: credit card issuers' perspectives

    OpenAIRE

    Mark Furletti

    2003-01-01

    On Friday, May 23, 2003, the Payment Cards Center hosted a workshop led by collections managers from J.P. Morgan Chase and Juniper Bank. The managers provided the credit card issuers' perspective on the consumer credit counseling industry. The day's discussion complemented an earlier workshop at which representatives from local consumer credit counseling services (CCCS) discussed their business model. After describing the ways in which new market entrants have affected the counseling industry...

  14. Loyalty Card Promotional Activity in Budget Hotel

    OpenAIRE

    Teng, Fei

    2010-01-01

    Loyalty card is one of the most commonly used promotional activities in business. Thus far, there are some research has been done on luxury hotel, but very few researches are on budget hotel. So, the purpose of the thesis is finding out the Swedish customers’ attitude and behavior towards budget hotel’s loyalty card; getting to know what factors influence Swedish customers’ response towards the loyalty card and budget hotels. In the thesis, the main research problem is “How do Swedish custome...

  15. Card products market in the Republic of Croatia

    Directory of Open Access Journals (Sweden)

    Ivana Šučur

    2007-12-01

    Full Text Available Card business in the Republic of Croatia started to develop more than 30 years ago in the form of non-bank card products, issued by American Express and Diners Club global payment systems. These card products were defined as standard charge cards and had been the only card products present in the market until bank cards appeared about ten years ago. The situation changed completely when banks started to enter the market as active participants in the card business. In co-operation with bank global payment systems, MasterCard Worldwide and Visa International, banks have issued several millions of various cards in just a few years, while non-bank issuers have followed the same trend with new card products. This paper explores the current situation in the domestic market; it determines who the cardholders of particular products are, which products they are familiar with, whether they use them or not and for what reason. Cardholders’ opinions, attitudes and preferences towards existing products have been explored, as well as the benefits they would like to get. The results obtained imply that cardholders are familiar with all bank and non-bank card brands, but that they use mostly those which provide them with specific benefits. Therefore, instead of focusing on providing more similar products, issuers should concentrate on designing differentiated products that have been tailored to cardholders’ real needs.

  16. Science means business: medical imaging shows colour of money

    CERN Multimedia

    Macfie, Rebecca

    2007-01-01

    Doctors have used x-ray machines for 100 years, but they remain an imprecise and limited diagnostic tool. But a team of Canterbury University researchers is aiming to revolutionise medical x-ray technology with high-precision colour imaging. (1,5 page)

  17. Credit Card Security

    OpenAIRE

    G.C., Anup

    2013-01-01

    Author: Anup G.C. Year: 2013 Subject of thesis: Credit Card Security Number of pages: 36+2 Credit Card is a widely used electronic chip for easy transactions. The main purpose of the report was to show the security measures of transaction by credit cards. The purpose was to give information about credit cards and how they were introduced. The thesis reportcontained the types of card theft with examples and sited the various protocols used for online ...

  18. Payment cards security

    OpenAIRE

    Fuchs, Michal

    2013-01-01

    This thesis aims to identify and evaluate the risks related to payment cards and their use. The main focus is the methods used to commit card related fraud and possible methods of protection related to this topic. First of all, the technology that is nowadays used in relation with the payment cards is analyzed and its weaknesses and attacks used to gather card information are described. After that, statistical data related to card fraud are analyzed in relation with different world regions. Q...

  19. Biometrics and ID Cards — Enablers for Personal Security

    Science.gov (United States)

    Reisen, Andreas

    The electronic ID card is a modernization and security project of the German Government. On the one hand, the multifunctional card is intended to boost security and the convenience of e-government and e-business applications. On the other hand, the new biometric ID card should allow citizens to use it as a travel document in the Schengen area and for specific destinations outside the European Union also in the future.

  20. 76 FR 3180 - Market Test of Gift Cards

    Science.gov (United States)

    2011-01-19

    ... part of the overall gift card market, thus resulting in minimal competition with small businesses. Id... Market Test of Gift Cards AGENCY: Postal Regulatory Commission. ACTION: Notice. SUMMARY: The Commission is noticing a recently-field Postal Service proposal to conduct a 2-year market test involving...

  1. 75 FR 70753 - Market Test Involving Greeting Cards

    Science.gov (United States)

    2010-11-18

    ... has a two-stage process for businesses to pay postage. Id. at 1. First, at least 50 percent of the... to debit the card producer's Centralized Automated Processing System (CAPS) account for the portion... by the card producer based on sales information, along with the data captured during mail...

  2. Securitization and small business

    OpenAIRE

    Wilcox, James A.

    2011-01-01

    Small businesses have relied considerably on securitized markets for credit. The recent financial crisis led to a virtual cessation of securitization of some of the loans used by small businesses, such as commercial real estate mortgages, vehicle, and credit card loans. In addition, values of commercial and residential real estate, which small businesses often use as collateral for loans, dropped dramatically. As a consequence, small businesses may have experienced tighter credit conditions t...

  3. Business protocol in integrated Europe

    OpenAIRE

    Pavelová, Nina

    2009-01-01

    The first chapter devotes to definitions of basic terms such as protocol or business protocol, to differences between protocol and etiquette, and between social etiquette and business etiquette. The second chapter focuses on the factors influencing the European business protocol. The third chapter is devoted to the etiquette of business protocol in the European countries. It touches the topics such as punctuality and planning of business appointment, greeting, business cards, dress and appear...

  4. FRENCH PROTOCOL CARDS

    CERN Multimedia

    Human Resources Division

    2000-01-01

    Senior officials, holders of FRENCH PROTOCOL cards (blue cards) due to expire on 31.12.2000, are requested to return these cards and those of family members, for extension to: Bureau des cartes, Bât 33.1-009/1-015 Should the three spaces for authentication on the back of the card be full, please enclose two passport photographs for a new card. In the case of children aged 14 and over, an attestation of dependency and a school certificate should be returned with the card.

  5. FRENCH PROTOCOL CARDS

    CERN Multimedia

    Division du Personnel

    1999-01-01

    Senior officials, holders of FRENCH PROTOCOL cards (blue cards) due to expire on 31.12.1999, are requested to return these cards and those of family members, for extension to:Bureau des cartes, bâtiment 33.1-025Should the 3 spaces for authentication on the back of the card be full, please enclose 2 passport photographs for a new card.In the case of children aged 14 and over, an attestation of dependency and a school certificate should be returned with the card.Personnel DivisionTel. 79494/74683

  6. On the Problems of the Reform of the Fully Implemented Official Business Card System by Budget Departments and the Countermeasures%预算单位全面推行公务卡制度改革问题及对策

    Institute of Scientific and Technical Information of China (English)

    马东亮

    2015-01-01

    With the increase of the number of issued business cards and the users,there are increasingly more problems existing in the using of the business card. In deepening reform in business card system,we should clarify the way of reform, correctly understand the reform target and the significance of implementing this system from the aspect of cost and benefit , optimize the external situation for the use of business card,standardize the related examining system,improve the management level,do a better job in using the related data,strengthen risk management,and effectively prevent related risk.%随着公务卡发卡数量和用卡单位的增加,公务卡管理中的问题日益显现。深化公务卡制度改革,要明确改革总体思路,正确认识改革目标,从成本效益角度理解其推行使用的意义,优化公务卡外部使用环境,规范公务卡报销票据审核管理,提升预算单位公务卡管理人员的管理水平,管理、利用好公务卡消费数据,加强公务卡风险管理,有效防范风险。

  7. Optical Verification Laboratory Demonstration System for High Security Identification Cards

    Science.gov (United States)

    Javidi, Bahram

    1997-01-01

    Document fraud including unauthorized duplication of identification cards and credit cards is a serious problem facing the government, banks, businesses, and consumers. In addition, counterfeit products such as computer chips, and compact discs, are arriving on our shores in great numbers. With the rapid advances in computers, CCD technology, image processing hardware and software, printers, scanners, and copiers, it is becoming increasingly easy to reproduce pictures, logos, symbols, paper currency, or patterns. These problems have stimulated an interest in research, development and publications in security technology. Some ID cards, credit cards and passports currently use holograms as a security measure to thwart copying. The holograms are inspected by the human eye. In theory, the hologram cannot be reproduced by an unauthorized person using commercially-available optical components; in practice, however, technology has advanced to the point where the holographic image can be acquired from a credit card-photographed or captured with by a CCD camera-and a new hologram synthesized using commercially-available optical components or hologram-producing equipment. Therefore, a pattern that can be read by a conventional light source and a CCD camera can be reproduced. An optical security and anti-copying device that provides significant security improvements over existing security technology was demonstrated. The system can be applied for security verification of credit cards, passports, and other IDs so that they cannot easily be reproduced. We have used a new scheme of complex phase/amplitude patterns that cannot be seen and cannot be copied by an intensity-sensitive detector such as a CCD camera. A random phase mask is bonded to a primary identification pattern which could also be phase encoded. The pattern could be a fingerprint, a picture of a face, or a signature. The proposed optical processing device is designed to identify both the random phase mask and the

  8. Projecting corporate brand image and behavioral response in business schools: Cognitive or affective brand attributes?

    OpenAIRE

    Syed Alwi, SF; Kitchen, PJ

    2014-01-01

    This paper considers corporate brand image, focusing on cognitive and affective brand attributes in the context of business schools. While previous research on university or institutional branding has studied these elements separately via cognitive (e.g., service or educational quality attributes) or affective criteria (personality traits of the corporate brand), this study investigates them jointly through behavioral responses (leading to positive recommendations about the corporate brand). ...

  9. A Case Analysis on the Risk Prevention of the Business of Reporting the Loss of Bank Cards%银行卡挂失业务风险防范的案例分析

    Institute of Scientific and Technical Information of China (English)

    王东

    2012-01-01

    目前,由于银行卡挂失业务中责任界定不统一,办理流程不规范,风险防范不到位,因此形成了较大的法律风险、操作风险和道德分析,这也给不法分子造成了可乘之机。本文通过案例分析,提出完善法律规范和业务流程,提高银行风险防控能力的建议。%At present because there is no a uniform definition on the responsibility of the business of reporting the loss of bank cards among financial institutions, the operational process is not regulated and risks are not effectively prevented, legal risks, operational risks and moral hazard have come into being, which provides opportunity for criminals. With analyzing the case, the paper puts forward suggestions such as perfecting the relevant laws and operational processes to improve the capacity of risk prevention and control of banks.

  10. Introduction of Smart Card

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    Smart Card PrimerA smart card is a device that includes an embedded integrated circuit chip (ICC) that can be either a secure microcontroller or equivalent intelligence with internal memory or a memory chip alone.

  11. CMS Wallet Card

    Data.gov (United States)

    U.S. Department of Health & Human Services — The CMS Wallet Card is a quick reference statistical summary on annual CMS program and financial data. The CMS Wallet Card is available for each year from 2004...

  12. 互联网金融对银行信用卡业务的冲击和挑战%Internet financial impact and challenge to bank credit card business

    Institute of Scientific and Technical Information of China (English)

    周心莲

    2015-01-01

    李克强总理在2014年政府工作报告中指出:“促进互联网金融健康发展,完善金融监管协调机制,密切监测跨境资本流动,守住不发生系统性和区域性金融风险的底线。”互联网金融的概念首次进入政府工作报告,一方面反映了互联网金融有着巨大的发展潜力;另一方面也反映出互联网金融对传统金融领域产生了巨大的震颤,已受到中央决策层高度重视。介绍互联网金融的内涵及特征,我国商业银行信用卡的发展历程和盈利模式,着重分析互联网金融对信用卡业务带来的冲击以及商业银行的应对策略。%Li Keqiang prime minister pointed out that in 2014 the government work report:“to promote the healthy development of Internet financial,improve financial supervision and coordination mechanism,close monitoring of the cross-border flow of capital,hold no systemic and regional financial risks of the bottom line.”The Internet into the government work report for the first time the concept of financial,on the one hand reflects the Internet financial has huge development potential;On the other hand also reflects the Internet financial has huge tremor,on the traditional financial sector has been the central attaches great importance to the decision makers.This paper introduces the connotation and characteristics of Internet finance,development process and the profit pattern of China’s commercial bank credit card, focuses on the analysis of the Internet Financial on the impact of the credit card business and the coping strategies of commercial Banks.

  13. Answer Card Identification Method Based on Pattern Recognition Technology

    OpenAIRE

    Xu Jing; Zhang Kun Fang

    2016-01-01

    The traditional answer card reading method using OMR (Optical Mark Reader), most commonly, OMR special card special use, less versatile, high cost, aiming at the existing problems proposed a method based on pattern recognition of the answer card identification method. Using the method based on Line Segment Detector to detect the tilt of the image, the existence of tilt image rotation correction, and eventually achieve positioning and detection of answers to the answer sheet .Pattern recogniti...

  14. Relação entre imagem adrenérgica cardíaca e teste ergométrico na insuficiência cardíaca Relación entre imagen adrenérgica cardíaca y ergometría en la insuficiencia cardíaca Relationship between cardiac adrenergic image and exercise testing in heart failure

    Directory of Open Access Journals (Sweden)

    Leandro Rocha Messias

    2011-05-01

    sometieron 23 pacientes (FEVI 27%. Estos pacientes realizaron TE, en el que se analizaron: presión arterial sistólica en el pico del esfuerzo (PAS P, frecuencia cardíaca en el pico del esfuerzo (FCP, variación de la presión arterial sistólica intraesfuerzo (Δ PAS, reserva cronotrópica y capacidad funcional en MET. Para el análisis estadístico se utilizaron el test t de Student o el test U de Mann-Whitney, el coeficiente de Spearman y el coeficiente de regresión lineal. RESULTADOS: La PAS P (G1: 181,00 ± 28,01; G2: 153,27 ± 27,71, p = 0,027, la Δ PAS [G1: 64 (47,5-80,5; G2: 36 (25-47 mmHg, p = 0,015], la FCP (G1: 136,91 ± 19,66; G2: 118,45 ± 13,98 lpm, p = 0,018, la reserva cronotrópica (G1: 70,42 ± 17,94; G2: 49,47 ± 14,89%, p = 0,006 y la capacidad funcional [G1: 8,37 (6,47-10,27; G2: 4,42 (2,46-6,38 MET, p=0,003] fueron menores menores en el G2. Hubo una correlación negativa entre la tasa de Washout con PASP (r = -0,505, p = 0,014, Δ PAS (r = -0,493, p = 0,017 y capacidad funcional (r = -0,646, p = 0,001. Después de la regresión lineal, PASP (r = -0,422, p = 0,016 y capacidad funcional (r = -0,804, p = 0,004 se asociaron con la tasa de Washout. CONCLUSIÓN: En pacientes con insuficiencia cardíaca, la PASP y la capacidad funcional fueron las variables más asociadas con la tasa de Washout. (Arq Bras Cardiol 2011;96(5:370-376BACKGROUND: The exercise treadmill test can be used in ventricular dysfunction patients for functional capacity or predicting prognosis. The cardiac image with 123I MIBG shows cardiac sympathetic activation. OBJECTIVE: To evaluate the relationship between exercise treadmill test variables and cardiac image changes in 123I MIBG. METHODS: 23 patients with LVEF 27%. Systolic blood pressure (SBP, heart rate (HR and functional capacity were evaluated. It was performed Student t test or Mann-Whitney U test, Spearman coefficient and linear regression. RESULTS: SBP at exercise peak (G1: 181.00 ± 28.01; G2: 153.27 ± 27.71 mmHg, p = 0

  15. REPLACEMENT OF FRENCH CARDS

    CERN Multimedia

    HR/SOC

    2001-01-01

    The French Ministry of Foreign Affairs has informed the Organization that it is shortly to replace all diplomatic cards, special cards and employment permits ('attestations de fonctions') now held by members of the personnel and their families. Between 2 July and 31 December 2001, these cards are to be replaced by secure, computerized equivalents. The old cards may continue to be used until 31 December 2001. For the purposes of the handover, members of the personnel must go personally to the cards office (33/1-015), in order to fill in a 'fiche individuelle' form, taking the following documents for themselves and members of their families already in possession of a French card : A recent identity photograph in 4.5 cm x 3.5 cm format. The French card in their possession. An A4 photocopy of the same French card, certified by the cards office as being a true copy. Those members of the personnel whose cards (and/or cards belonging to members of their families) are shortly due to expire, or have recently done...

  16. REPLACEMENT OF FRENCH CARDS

    CERN Multimedia

    Human Resources Division; Cards.Service@cern.ch

    2001-01-01

    The French Ministry of Foreign Affairs is currently replacing all diplomatic cards, special cards and employment permits («attestations de fonctions») held by members of the personnel and their families. These cards are replaced by secure, computerized equivalents. The old cards may no longer be used after 31 December 2001. For the purposes of the handover, members of the personnel must go personally to the cards office (33/1-015) between 8h30 and 12h30, in order to fill in a «fiche individuelle» form, taking the following documents for themselves and members of their families already in possession of a French card : A recent identity photograph in 4.5 cm x 3.5 cm format, the French card in their possession, an A4 photocopy of the same French card, certified by the cards office as being a true copy. Those members of the personnel whose cards (and/or cards belonging to members of their families) are shortly due to expire, or have recently done so, are also requested...

  17. REPLACEMENT OF FRENCH CARDS

    CERN Multimedia

    Human Resources Division

    2001-01-01

    The French Ministry of Foreign Affairs has informed the Organization that it is shortly to replace all diplomatic cards, special cards and employment permits ('attestations de fonctions') now held by members of the personnel and their families. Between 2 July and 31 December 2001, these cards are to be replaced by secure, computerized equivalents. The old cards may continue to be used until 31 December 2001. For the purposes of the handover, members of the personnel are asked to go to the cards office (33/1-015), taking the following documents for themselves and members of their families already in possession of a French card : A recent identity photograph in 4.5 cm x 3.5 cm format, The French card in their possession, an A4 photocopy of the same French card, certified by the cards office as being a true copy. Those members of the personnel whose cards (and/or cards belonging to members of their families) are shortly due to expire, or have recently done so, are also requested to take these items to the c...

  18. Credit Cards and Inflation

    OpenAIRE

    John Geanakoplos; Pradeep Dubey

    2009-01-01

    The introduction and widespread use of credit cards increases trading efficiency but, by also increasing the velocity of money, it causes inflation, in the absence of monetary intervention. If the monetary authority attempts to restore pre-credit card price levels by reducing the money supply, it might have to sacrifice the efficiency gains. When there is default on credit cards, there is even more inflation, and less efficiency gains. The monetary authority might then have to accept less tha...

  19. CERN access cards

    CERN Multimedia

    HR Department

    2007-01-01

    Holders of CERN access cards are reminded that the card is an official document. It is important to carry it with you at all times when you are on the site. This applies also to those on standby duty who are called out for emergency interventions. As announced in Weekly Bulletin 13/2006, any loss or theft of access cards must be declared to the competent external authorities.

  20. Breastfeeding Report Card 2014

    Science.gov (United States)

    ... Recommend on Facebook Tweet Share Compartir The CDC Breastfeeding Report Card provides state-by-state data to help public health practitioners, health professionals, community members, child care ...

  1. Sistematización de imágenes obtenidas por fototrampeo: una propuesta de ficha Systematic images from camera-traps: a proposal of data card

    Directory of Open Access Journals (Sweden)

    Francisco Botello

    2007-06-01

    Full Text Available Las colecciones científicas desempeñan un papel fundamental en la acumulación del conocimiento biológico. Recientemente, el uso de fototrampas para realizar inventarios y estudios ecológicos en mamíferos se ha incrementando notablemente. Sin embargo, la información básica asociada a las imágenes no se ha organizado de manera formal y sistemática, como en el caso de los especímenes en una colección científica. Aquí, se propone un formato para producir fichas digitales de fotocolecta en donde la imagen de la especie fotografiada esté asociada a la misma información básica que se registra en una colecta tradicional, lo que permitirá que éstas sean fácilmente incluidas en colecciones científicas, con lo que se documentará la información disponible proveniente de todos aquellos sitios que actualmente estén monitoreándose mediante este método.The main objective of biological collections is to accumulate biological data. The use of camera-traps for inventories and ecological studies of mammals has shown a noteworthy recent increase. However, the basic information associated with the images is not organized in a formal or systematic way, like the specimens of a scientific collection. Here, we propose a format to produce digital photosampling cards where the image of the photographed species is associated with the same basic information that is recorded for a traditional sample; in this way, they can be easily inorporated in scientific collections, thus documenting the available information for the sites that are sampled by this method.

  2. Transforming the tourist image of Geneva from a leisure to a business destination and its cultural implications

    OpenAIRE

    Lévy, Bertrand; Matos, Rafael

    2002-01-01

    Characteristics of Geneva tourism nowadays show some degree of persistence but also certain structural changes since the 19th century. These constancies and transformations are analyzed through the interpretation of the touristic image of the cityscape produced within literature, paraliterature and iconography. Three stages of development are explored: 1) a 19th century romantic period; 2) a business oriented image since 1960; 3) a new hedonist and festive image since 1998 that breaks with th...

  3. Data card system for filmless radiography

    International Nuclear Information System (INIS)

    Data cards using the sample principles as music compact discs can store 4 MB of digital data. This is sufficient for 4 uncompressed radiographic images or 16 images with 4:1 average compression. Radiograph memory screens (stimulable phosphors) can be scanned at 1023 lines to provide the input signals. A filmless radiographic x-ray system is described which uses digital data cards of the size of common credit cards. These can be used in the same way as films are now used: placed in patient folders, copied, mailed, seen on view boxes, etc. The techniques of data acquisition, processing, compression, storage and display are described. The advantages of the system are explained in terms of economies, elimination of film (chemicals and processing), and compatibility with other data transmission methods. Suggestions are made for standardization of data storage and control so that this method may be used for other medical imaging applications, such as CT and ultrasound

  4. Pre-paid cards

    OpenAIRE

    Peter Ledingham

    1994-01-01

    This article describes the similarities and difference between pre-paid cards and other payment instruments such as currency and debit cards, as well as examining some of the policy issues involved such as implications for the Reserve Bank's currency issue.

  5. Method card design dimensions

    DEFF Research Database (Denmark)

    Wölfel, Christiane; Merritt, T.

    2013-01-01

    There are many examples of cards used to assist or provide structure to the design process, yet there has not been a thorough articulation of the strengths and weaknesses of the various examples. We review eighteen card-based design tools in order to understand how they might benefit designers....... The card-based tools are explained in terms of five design dimensions including the intended purpose and scope of use, duration of use, methodology, customization, and formal/material qualities. Our analysis suggests three design patterns or archetypes for existing card-based design method tools...... and highlights unexplored areas in the design space. The paper concludes with recommendations for the future development of card-based methods for the field of interaction design....

  6. Loyalty program of payment cards, solution based on DWH

    OpenAIRE

    Jersák, Pavel

    2010-01-01

    This diploma thesis is covering topics of customer's loyalty, loyalty programs in banking and mainly topic is loyalty programs of payment cards in banking industry. First theoretical parts is guiding us though concept of customer's loyalty in banking industry and is describing specifics of this loyalty compared to loyalty to sales businesses. Further, this thesis is trying to show opportunities to be used to support customer's loyalty in bank with participation of credit and debit cards. In t...

  7. Rh-flash acquisition card

    International Nuclear Information System (INIS)

    The rh-flash card main purpose is to convert and store the image of the analog data present at input into an output buffer, namely in a given timing window besides a stop signal (like a digital oscilloscope). It is conceived in VME format 1U wide with an additional connector. Novelty of this card is its ability to sample at a high frequency, due to flash coders, and this at a high repetition rate. To do that the card allows the storage of the data considered 'useful' and that is done by storing only the data exceeding a certain threshold. This can be useful for instance for viewing peaks in a spectrum, and obtaining their relative location. The goal is to stock and process the data sampled before and after the arrival of a stop signal (what entails a storage depth). A threshold is defined and any peak exceeding its level will really be stored in the output buffer which is readable through the VME bus. The peak values will be stored as well as m preceding and n subsequent values (both programmable). Obviously, if the threshold is zero the system of data processing is off and all data will be stored. The document is structured on six sections titled: 1. Description; 2. Specifications; 3. Explaining the design of channels; 4. Explaining the shared part of the design; 5. Addressing (→ user guide); 6. Software precautions. (author)

  8. Rh-flash acquisition card

    CERN Document Server

    Bourrion, O

    2003-01-01

    The rh-flash card main purpose is to convert and store the image of the analog data present at input into an output buffer, namely in a given timing window besides a stop signal (like a digital oscilloscope). It is conceived in VME format 1U wide with an additional connector. Novelty of this card is its ability to sample at a high frequency, due to flash coders, and this at a high repetition rate. To do that the card allows the storage of the data considered 'useful' and that is done by storing only the data exceeding a certain threshold. This can be useful for instance for viewing peaks in a spectrum, and obtaining their relative location. The goal is to stock and process the data sampled before and after the arrival of a stop signal (what entails a storage depth). A threshold is defined and any peak exceeding its level will really be stored in the output buffer which is readable through the VME bus. The peak values will be stored as well as m preceding and n subsequent values (both programmable). Obviously,...

  9. REPLACEMENT OF FRENCH CARDS

    CERN Multimedia

    Human Resources Division

    2001-01-01

    The French Ministry of Foreign Affairs has informed the Organization that it is shortly to replace all diplomatic cards, special cards and employment permits ('attestations de fonctions') now held by members of the personnel and their families. Between 2 July and 31 December 2001, these cards are to be replaced by secure, computerized equivalents. A 'personnel office' stamped photocopy of the old cards may continue to be used until 31 December 2001. For the purposes of the handover, members of the personnel must go personally to the cards office (33/1-015), between 8:30 and 12:30, in order to fill a 'fiche individuelle' form (in black ink only), which has to be personally signed by themselves and another separately signed by members of their family, taking the following documents for themselves and members of their families already in possession of a French card : A recent identity photograph in 4.5 cm x 3.5 cm format (signed on the back) The French card in their possession an A4 photocopy of the same Fre...

  10. Bio-Thentic Card: Authentication concept for RFID Card

    OpenAIRE

    2012-01-01

    Radio frequency identification (RFID) is a technology that employs basic identifier of an object embedded in a chip, transmitted via radio wave, for identification. An RFID Card responds to query or interrogation irrespective of "Who" holds the Card; like a key to a door. Since an attacker can possess the card, access to such object can therefore be easily compromised. This security breach is classified as an unauthorized use of Card, and it forms the bedrock for RFID Card compromise especial...

  11. Mafia cards game

    OpenAIRE

    Segarra Suriñach, Xavi

    2015-01-01

    This final project is focused on creating an RPG card game titled Mafia cards game for the Android operating system that allows both the game for a single player and multi player online game. Aquest treball final de projecte es centra en la creació d'un joc de cartes de rol amb el títol Mafia cards game per al sistema operatiu Android que permeti tant el joc per a un únic jugador com el joc multi jugador per Internet. Este trabajo final de proyecto se centra en la creación de un juego d...

  12. Some security strategies for smart cards

    International Nuclear Information System (INIS)

    This paper details current developments at Gemalto in the field of security. It focuses on two different security processes for ID cards. The first one consists in adding observable security features in the ID image to allow quick visual verification and serves mainly to detect counterfeit attempts. The second consists in watermarking ID images during the pre personalization step by a secret key stored in the chip. The interest of the different approaches is demonstrated with several real ID images

  13. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

    Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

  14. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

    Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

  15. Genetics Blood Card Use

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — SOP guiding collection of blood for genetics analysis. Provides stepwise instructions and guidance on how to collect DNA sample using a whole blood blot card

  16. Credit card interchange fees

    OpenAIRE

    Rochet, Jean-Charles; Wright, Julian

    2009-01-01

    We build a model of credit card pricing that explicitly takes into account credit functionality. We show that a monopoly card network always selects an interchange fee that exceeds the level that maximizes consumer surplus. If regulators only care about consumer surplus, a conservative regulatory approach is to cap interchange fees based on retailers’ net avoided costs from not having to provide credit themselves. In the model, this always raises consumer surplus compared to the unregulated o...

  17. Mated Fingerprint Card Pairs (Volumes 1-5)

    Science.gov (United States)

    NIST Mated Fingerprint Card Pairs (Volumes 1-5) (PC database for purchase)   The NIST database of mated fingerprint card pairs (Special Database 9) consists of multiple volumes. Currently five volumes have been released. Each volume will be a 3-disk set with each CD-ROM containing 90 mated card pairs of segmented 8-bit gray scale fingerprint images (900 fingerprint image pairs per CD-ROM). A newer version of the compression/decompression software on the CDROM can be found at the website http://www.nist.gov/itl/iad/ig/nigos.cfm as part of the NBIS package.

  18. E-Payment Strategies of Bank Card Innovations

    Directory of Open Access Journals (Sweden)

    Jarunee Wonglimpiyarat,

    2007-12-01

    Full Text Available This paper is concerned with the business st rategy in managing pay ment innovations. Particularly, the study looks at the smart card - electronic cash (e-cash innovation in the financial service industry. The smart card e-cash has yet to overcome obstacles to its diffusion. Given the e-commerce opportunity, banks and non-banks compete to deploy smart card technology for Internet use. A revi ew of previous payment innovations is also carried out to provide suggesting direction on the innovation proliferation. The paper firstly examines the payment market on the whole (the global review. The subsequent section discusses the challenges in the e-payment world and the strategies to support the diffusion of the smart card innovations.

  19. Evolution of optically nondestructive and data-non-intrusive credit card verifiers

    Science.gov (United States)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2010-04-01

    Since the deployment of the credit card, the number of credit card fraud cases has grown rapidly with a huge amount of loss in millions of US dollars. Instead of asking more information from the credit card's holder or taking risk through payment approval, a nondestructive and data-non-intrusive credit card verifier is highly desirable before transaction begins. In this paper, we review optical techniques that have been proposed and invented in order to make the genuine credit card more distinguishable than the counterfeit credit card. Several optical approaches for the implementation of credit card verifiers are also included. In particular, we highlight our invention on a hyperspectral-imaging based portable credit card verifier structure that offers a very low false error rate of 0.79%. Other key features include low cost, simplicity in design and implementation, no moving part, no need of an additional decoding key, and adaptive learning.

  20. Do newspaper articles on card fraud affect debit card usage?

    OpenAIRE

    Kosse, Anneke

    2012-01-01

    This paper investigates the impact of newspaper publications about debit card skimming fraud on debit card usage in the Netherlands using daily information from January 1st 2005 to December 31st 2008. Time-series analyses are employed to assess the daily fluctuations in aggregate debit card usage. The results show that newspaper articles that somehow make mention of the phenomenon of skimming fraud significantly affect the number of debit card payments. The direction of the effect depends on ...

  1. Credit Card Fraud Detection & Prevention of Fraud Using Genetic Algorithm

    OpenAIRE

    Rinky D.Patel; Dheeraj Kumar Singh

    2013-01-01

    Companies and institutions move parts of their business, or the entire business, towards online services providing e-commerce, information and communication services for the purpose of allowing their customers better efficiency and accessibility. Payment card fraud has become a serious problem throughout the world. Companies and institutions loose huge amounts annually due to fraud and fraudsters continuously seek new ways to commit illegal actions. In this we will try to detect fraudulent tr...

  2. Time card entry system

    Energy Technology Data Exchange (ETDEWEB)

    Montierth, B.S.

    1996-05-01

    The Time Card Entry System was developed to interface with the DOE Headquarters Electronic Time and Attendance (ETA) system. It features pop-up window pick lists for Work Breakdown Structure Numbers and Hour Codes and has extensive processing that ensures that time and attendance reported by the employee fulfills US Government/OMB requirements before Timekeepers process the data at the end of the two week payroll cycle using ETA. Tours of Duty (e.g. ten hour day, four day week with Friday through Sunday off), established in the ETA system, are imported into the Time Card Entry System by the Timekeepers. An individual`s Tour of Duty establishes the basis for validation of time of day and number of hours worked per day. At the end of the two week cycle, data is exported by the Timekeepers from the Time Card Entry System into ETA data files.

  3. The Credit CARD act of 2009 and prepaid cards

    OpenAIRE

    Philip Keitel

    2009-01-01

    Recently enacted federal legislation contains a number of provisions that will affect the prepaid card industry. This note highlights some of these provisions, discusses how they might shape the prepaid card industry, and outlines the debate over whether prepaid cards should be defined as "monetary instruments" under federal law.

  4. Smart card systems: managing risks and modelling security protocols using SystemC and Transaction Level Modelling

    OpenAIRE

    Bushager, Aisha Fouad

    2011-01-01

    Smart cards are examples of advanced chip technology. They allow information transfer between the card holder and the system over secure networks, but they contain sensitive data related to both the card holder and the system, that has to be kept private and confidential. The aim of the research is to conduct a risk management programme on the smart cards systems that are employed in e-business systems, suggest the best safeguards to be applied to better secure the smart card systems depe...

  5. NCDC Punched Card Reference Manuals

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Documentation for using and reading punched cards kept at the National Weather Records Center (NWRC, previous name for NCDC and NCEI). Many of these punched card...

  6. Disruption - Access cards service

    CERN Document Server

    2014-01-01

    We would like to inform you that between 10 November and 15 December 2014, the access cards service in Building 55 will be disrupted, as the GS Department has decided to improve the facilities for users of this building. During the work, you will find the registration, biometric registration and dosimeter exchange services on the second floor of Building 55 and the vehicle sticker service on the ground floor along with the access cards service. We thank you for your understanding and apologise for any inconvenience caused.

  7. 77 FR 75410 - Request for Information Regarding Credit Card Market

    Science.gov (United States)

    2012-12-20

    ... Street NW., Washington, DC 20552, on official business days between the hours of 10 a.m. and 5 p.m... subject to public disclosure. Sensitive personal information, such as account numbers or social security... Accountability Responsibility and Disclosure Act of 2009 (CARD Act or Act) requires the Bureau of...

  8. Credit cards: Facts and theories

    OpenAIRE

    Carol C. Bertaut; Haliassos, Michael

    2005-01-01

    We use data from several waves of the Survey of Consumer Finances to document credit and debit card ownership and use across US demographic groups. We then present recent theoretical and empirical contributions to the study of credit and debit card behavior. Utilization rates of credit lines and portfolios of card holders present several puzzles. Credit line increases initiated by banks lead households to restore previous utilization rates. High-interest credit card debt co-exists with substa...

  9. Consumer credit and payment cards

    OpenAIRE

    Bolt, Wilko; Foote, Elizabeth; Schmiedel, Heiko

    2011-01-01

    We consider debit and credit card networks. Our contribution is to introduce the role of consumer credit into these payment networks, and to assess the way this affects competition and equilibrium fees. We analyze a situation in which overdrafts are associated with current accounts and debit cards, and larger credit lines with ‘grace’ periods are associated with credit cards. If we just introduce credit cards, we find their merchant fees depend not only on the networks’ cost of funds and the ...

  10. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

    In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students a lesson they will…

  11. Store Security. Credit Card Fraud.

    Science.gov (United States)

    Brockway, Jerry

    The manual, intended for use by adults and not in the high school classroom situation, presents material directed toward assisting in the reduction of credit card crime. This teaching guide is organized in three sections which deal with the nature of and major reasons for credit card fraud, the types of hot card runners, and methods of reducing…

  12. BİYOMETRIC FINGER PRINT USED AND APPLIED ON SMART CARD

    Directory of Open Access Journals (Sweden)

    Makbule KARAKÜLAH

    2004-04-01

    Full Text Available During the last years, the authors are trying to integrate biometrics, inside a smart card. In this study the first step, as in every biometric system is to obtain an image of the user's fingerprint. After this, a preprocessing algorithm is applied, which enables feature extraction to obtain the location and type of all minutiae. The minutiae are ridges and valleys of the fingerprint. We researched these minutiae which are used with smart cards. A lot of smart card readers /writers were used for data writing and reading. Fingerprint minutiae and identify information were wrote on smart cards successfully using development kits (smart cards of fingerprint and so were identified.

  13. The Eggen Card Project

    Science.gov (United States)

    Silvis, G.

    2014-06-01

    (Abstract only) Olin Eggen, noted astronomer (1919-1998), left to us all his raw observation records recorded on 3x5 cards. This project is to make all this data available as an online resource. History and progress of the project will be presented. Project details available at: https://sites.google.com/site/eggencards/home.

  14. CARDS MARKET – A RESISTANT MARKET TO CRISIS

    Directory of Open Access Journals (Sweden)

    Tudose Geanina - Gabriela

    2012-07-01

    Full Text Available At the same time with the development of market and consumer behavior of Romanians, the growth rate of cards market accelerated. Of course, infrastructure and acceptance network were very important, they are the factors that allowed the widespread use of cards. Currently, any natural person or legal entity is engaged in commercial relationships involving financial transactions, the electronic payments having an important role, representing virtually future transactions, both nationally and across borders. The financial institutions have made a more rapid segmentation of the portfolio of cards and began to focus increasingly on services and benefits situated behind the payment instruments. Meanwhile, cardholders were becoming more educated and sophisticated, knowing what to ask of cards. More, many financial institutions have adapted so that network to accept chip cards. On the Romanian market, the chip cards will increase which are much more effective in terms of security transactions, as well as for co-branded cards, that offers the possibility of the loyalty of the customers. They will try to get as many benefits from different types of cards, but at the same time, they will focus on niche products, business cards, cards for shopping or for payment of public services. The scientific paper aims to capture aspects that emphasize the fact that the permanent market monitoring and the continuous adaptation of it will become necessary for the next period. The current client is more demanding, more educated and less tolerant in the relation to the suppliers of any kind and especially with those of financial services. The tendency to use co-branded cards for everyday payments will increase as merchants and issuing banks will attach more and more benefits on these cards, which will ultimately increase trading volumes on the card to merchants. The bank clients benefited of the cutting - edge technologies, of dual cards functionality - debit and credit.

  15. Review Paper on Credit Card Fraud Detection

    Directory of Open Access Journals (Sweden)

    Suman

    2013-07-01

    Full Text Available Due to the theatrical increase of fraud which results in loss of dollars worldwide each year, several modern techniques in detecting fraud are persistently evolved and applied to many business fields. Fraud detection involves monitoring the activities of populations of users in order to estimate, perceive or avoid undesirable behavior.Undesirable behavior is a broad term including delinquency, fraud, intrusion, and account defaulting. This paper presents a survey of current techniques used in credit card fraud detection and telecommunication fraud. The goal of this paper is to provide a comprehensive review of different techniques to detect fraud.

  16. REMINDER REPLACEMENT OF FRENCH CARDS

    CERN Multimedia

    Human Resources Division; Cards.Service@cern.ch

    2001-01-01

    The French Ministry of Foreign Affairs is currently replacing all diplomatic cards, special cards and employment permits («attestations de fonctions») held by members of the personnel and their families. These cards are replaced by secure, computerized equivalents. The old cards may no longer be used after 31 December 2001. For the purposes of the handover, members of the personnel must go personally to the cards office (33/1-015) between 8h30 and 12h30, in order to fill in a «fiche individuelle» form, taking the following documents for themselves and members of their families already in possession of a French card : A recent identity photograph in 4.5 cm x 3.5 cm format, the French card in their possession, an A4 photocopy of the same French card, certified by the cards office as being a true copy. Those members of the personnel whose cards (and/or cards belonging to members of their families) are shortly due to expire, or have recently done so, are also requested...

  17. 对银行信用卡业务转型及市场营销新突破的思考%The Thinking of Business Transformation and New Breakthroughs of Marketing for Commercial Bank Credit Card

    Institute of Scientific and Technical Information of China (English)

    刘敏志

    2012-01-01

    Credit was first born in the United States in the 1950s, after nearly six years of development, has been on a global scale to achieve widespread popularity and acceptance and is currently the most popular card-based payment and consumer credit financial instruments. The same time, as carriers and channels to provide services to retail customers for commercial banks, credit cards for banks continue to provide lucrative and during stable expansion, maintenance and bind customer relations play an important strategic role, are known as the most valuable retail banking products line.%信用卡最早诞生于20世纪50年代的美国,经过近六十年的发展,已经在全球范围内实现了广泛的普及和受理,是目前最为流行的银行卡支付和消费信贷金融工具。同时,作为商业银行向零售客户提供服务的重要载体和渠道,信用卡为银行源源不断地提供着丰厚且稳定拓展、维护和绑定客户关系方面发挥着重要的战略作用,被誉为最具价值的零售银行产品线。

  18. Credit Card Debt Puzzles

    OpenAIRE

    Haliassos, Michael; Reiter, Michael

    2005-01-01

    Most US credit card holders revolve high-interest debt, often combined with substantial (i) asset accumulation by retirement, and (ii) low-rate liquid assets. Hyperbolic discounting can resolve only the former puzzle (Laibson et al., 2003). Bertaut and Haliassos (2002) proposed an 'accountant-shopper' framework for the latter. The current paper builds, solves, and simulates a fully-specified accountant-shopper model, to show that this framework can actually generate both types of co-existence...

  19. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

    This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

  20. TEACHING OF BUSINESS DISCOURSE SPEECHDURING LESSONS IN BUSINESS RUSSIAN (ONTHE EXAMPLE OF A THEMATIC BLOCK “PRIN A COMPANY – IMAGE FORMATION”

    Directory of Open Access Journals (Sweden)

    Rolyak I. L.

    2014-12-01

    Full Text Available The article analyses the peculiarities of teaching business discourse to Polish students during the lessonsin Business Russian on the example of one of the thematic blocks from the textbook, the co-author ofwhich was the author of this article. The necessity to specify five methodological parts of such block along with the examples how to work with them in the process of teaching utterance in oral and written business discourses was presented

  1. Design of an MRI quadrature-data acquisition card

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    A design of a quadrature-data acquisition card based on peripheral component interconnect (PCI) bus for mini-type magnetic resonance imaging (MRI) system is reported. It uses two high speed analog-to-digital converters (ADCs) to sample the MRI signals and two static random access memories (SRAMs) to store the data which will be read to the computer by PCI bus after sampling. All the logic control signals on the card are generated by the field programmable gate array (FPGA). The software Foundation3.1 is used to design the FPGA and achieve useful result after simulating and implementing. The card has some merits that normal commercial cards do not have. For example, the sampling parameters can be varied according to different pulse sequences.

  2. Smart Card: Turning Point of Technology

    OpenAIRE

    Abhishek Mahajan; Akash Verma; Dhruv Pahuja

    2014-01-01

    A smart card, chip card, or integrated circuit card (icc) is any pocket-sized card with embedded integrated circuits. Smart Cards are secure portable storage devices used for several applications especially security related ones involving access to system’s database either online or offline. Smart cards are made of plastic, generally polyvinyl chloride, but sometimes polyethylene terephthalate based polyesters, acrylonitrile butadiene styrene orpolycarbonate. This research is chie...

  3. Dual Card,Double Happiness

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    As Christmas Day and New Year Day draw near, why not treat yourself with a smart digital gizmo. Then, the Samsung Dual-card Cellphone is what you are longing for. Samsung B5712C, the first dual-card model released by Samsung,

  4. Authentication techniques for smart cards

    International Nuclear Information System (INIS)

    Smart card systems are most cost efficient when implemented as a distributed system, which is a system without central host interaction or a local database of card numbers for verifying transaction approval. A distributed system, as such, presents special card and user authentication problems. Fortunately, smart cards offer processing capabilities that provide solutions to authentication problems, provided the system is designed with proper data integrity measures. Smart card systems maintain data integrity through a security design that controls data sources and limits data changes. A good security design is usually a result of a system analysis that provides a thorough understanding of the application needs. Once designers understand the application, they may specify authentication techniques that mitigate the risk of system compromise or failure. Current authentication techniques include cryptography, passwords, challenge/response protocols, and biometrics. The security design includes these techniques to help prevent counterfeit cards, unauthorized use, or information compromise. This paper discusses card authentication and user identity techniques that enhance security for microprocessor card systems. It also describes the analysis process used for determining proper authentication techniques for a system

  5. Electronic payments using payment cards

    OpenAIRE

    Van der Waaij, B. D.; Siljee, B.I.J.; Broekhuijsen, B.J.; Ponsioen, C.; Maas, A.; Aten, R.M.; Hoepman, J.H.; Loon, J.H. van; Smit, M.

    2009-01-01

    A method of making a payment uses a mobile communication device (1) and a payment card (2), both the mobile communication device (1) and the payment card (2) being provided with a respective near field communication unit (11, 21) and at least the mobile communication device (1) being provided with an input unit (12) for inputting data. The method comprises the steps of: etc.

  6. The new debit card regulations: initial effects on networks and banks

    OpenAIRE

    Fumiko Hayashi

    2012-01-01

    American consumers are using debit cards more than ever before, triggering key changes in the payment card industry and affecting how banks and merchants do business. ; Controversy has arisen as the industry raised the fees it charges on merchants for debit transaction processing—fees that merchants may pass on to consumers, affecting the prices that consumers pay for goods and services. Congress and the Justice Department have stepped in with rules to cap certain fees and promote competition...

  7. Implementation of Java Card Virtual Machine

    Institute of Scientific and Technical Information of China (English)

    刘嵩岩; 毛志刚; 叶以正

    2000-01-01

    Java card is a new system for programming smart cards, which is based on the Java language and Virtual Machine. Java card programs (applets)run in Java Card Runtime Environment (JCRE) including the Java Card Virtual Machine (JCVM), the framework, the associated native methods and the API (Application Programming Interface). JCVM is implemented as two separate pieces:off-card VM (Virtual Machine) and on-card VM. The stack model and heap memory structure used by on-card VM and exception handling are introduced. Because there are limited resources within smart card environment, and garbage collection is not supported in JCVM, the preferred way to exception handling does not directly involve the use of throw, although the throw keyword is supported. Security is the most important feature of smart card. The Java card applet security feature is also discussed.

  8. Japanese consensus guidelines for pediatric nuclear medicine. Part 1. Pediatric radiopharmaceutical administered doses (JSNM pediatric dosage card). Part 2. Technical considerations for pediatric nuclear medicine imaging procedures

    International Nuclear Information System (INIS)

    The Japanese Society of Nuclear Medicine has recently published the consensus guidelines for pediatric nuclear medicine. This article is the English version of the guidelines. Part 1 proposes the dose optimization in pediatric nuclear medicine studies. Part 2 comprehensively discusses imaging techniques for the appropriate conduct of pediatric nuclear medicine procedures, considering the characteristics of imaging in children. (author)

  9. Punch Card Programmable Microfluidics

    CERN Document Server

    Korir, George

    2014-01-01

    Small volume fluid handling in single and multiphase microfluidics provides a promising strategy for efficient bio-chemical assays, low-cost point-of-care diagnostics and new approaches to scientific discoveries. However multiple barriers exist towards low-cost field deployment of programmable microfluidics. Incorporating multiple pumps, mixers and discrete valve based control of nanoliter fluids and droplets in an integrated, programmable manner without additional required external components has remained elusive. Combining the idea of punch card programming with arbitrary fluid control, here we describe a self-contained, hand-crank powered, multiplex and robust programmable microfluidic platform. A paper tape encodes information as a series of punched holes. A mechanical reader/actuator reads these paper tapes and correspondingly executes a series of operations onto a microfluidic chip coupled to the platform in a plug-and-play fashion. Enabled by the complexity of codes that can be represented by a series ...

  10. Hydrodynamics on graphic cards

    International Nuclear Information System (INIS)

    In the field of high-energetic nucleus-nucleus collisions at RHIC and LHC ideal and dissipative relativistic hydrodynamics is used to calculate the evolution of hot and dense QCD matter. A large body of current numerical tools employs relativistic hydrodynamics in various facets. The acceleration of relativistic hydrodynamics using graphic cards (GPUs) is therefore of highest relevance to this fields. The results reported here are based on the Sharp And Smooth Transport Algorithm SHASTA, which is employed in many hydrodynamical models and hybrid simulation packages, e.g. the Ultrarelativistic Quantum Molecular Dynamics model (UrQMD). We have redesigned the SHASTA using the OpenCL computing framework to work on accelerators like graphic processing units (GPUs) as well as on multi-core processors. With the redesign of the algorithm the hydrodynamic calculations have been accelerated by a factor 160 allowing for event-by-event calculations and better statistics in hybrid calculations.

  11. 12 CFR 541.8 - Debit card.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Debit card. 541.8 Section 541.8 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.8 Debit card. The term debit card means a card that enables...

  12. Credit Cards. Bulletin No. 721. (Revised.)

    Science.gov (United States)

    Fox, Linda Kirk

    This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

  13. Payment Cards Market Competition Heats Up

    Institute of Scientific and Technical Information of China (English)

    WANGPEI

    2005-01-01

    China is widely recognized to be one of the domestic payment card markets with greatest potential. According to statistics from the People's Bank of China, the country's central bank, the number of bank cards in China had risen to 76z million as of the end of 2004, a figure that included 663 million debit cards and 98 million credit cards.

  14. The c-cards game

    DEFF Research Database (Denmark)

    Valente, Andrea

    2005-01-01

    C-cards are an easy-to-reify, graphical formalism capable of expressing computational systems, discrete both in time and in space. The main goal of the project aims at scaling-down the learning complexity of Computer Science core contents. We argue that our cards present many dimensions...... of flexibility, resulting in a highly customizable learning object, that gives teachers and pedagogues freedom with respect to reification and deployment strategies. The correlation between the c-cards game and children's soft skills is also discussed....

  15. Playing the 'Silence' Card

    DEFF Research Database (Denmark)

    Pantelli, Niki; Lee, Joyce y. H.; Bülow, Anne Marie

    2014-01-01

    In this paper, we argue that the international business (IB) literature has given only limited attention to the technologymediated context of language. We find, through a case study of an international inter-organizational partnership where the use of English language was the lingua franca, that ...

  16. A secure additive protocol for card players

    CERN Document Server

    Cordon-Franco, Andres; Fernandez-Duque, David; Joosten, Joost J; Soler-Toscano, Fernando

    2011-01-01

    Consider three players Alice, Bob and Cath who hold a, b and c cards, respectively, from a deck of d=a+b+c cards. The cards are all different and players only know their own cards. Suppose Alice and Bob wish to communicate their cards to each other without Cath learning whether Alice or Bob holds a specific card. Considering the cards as consecutive natural numbers 0,1,..., we investigate general conditions for when Alice or Bob can safely announce the sum of the cards they hold modulo an appropriately chosen integer. We demonstrate that this holds whenever a,b>2 and c=1. Because Cath holds a single card, this also implies that Alice and Bob will learn the card deal from the other player's announcement.

  17. From EuCARD to EuCARD-2

    CERN Multimedia

    Chaudron, M

    2013-01-01

    The one word that best describes the spirit of the EuCARD ’13 event (see here) that took place from 10 to 14 June at CERN is "collaboration". The event brought together more than 180 accelerator specialists from all over the world to celebrate the conclusion of the EuCARD project and to kick off its successor, EuCARD-2.   EuCARD-2 brings a global view to particle accelerator research in order to address challenges for future generations of accelerators. The project officially began on 1 May 2013 and will run for four years. With a total budget of €23.4 million, including an €8 million EU contribution, it will build upon the success of EuCARD and push it into an even more innovative regime. EuCARD-2 aims to significantly enhance multidisciplinary R&D for European accelerators and will actively contribute to the development of a European Research Area in accelerator science. This will be accomplished by promoting complementary expertise, cross-d...

  18. Mated Fingerprint Card Pairs 2 (MFCP2)

    Science.gov (United States)

    NIST Mated Fingerprint Card Pairs 2 (MFCP2) (PC database for purchase)   NIST Special Database 14 is being distributed for use in development and testing of automated fingerprint classification and matching systems on a set of images which approximate a natural horizontal distribution of the National Crime Information Center (NCIC) fingerprint classes. A newer version of the compression/decompression software on the CDROM can be found at the website http://www.nist.gov/itl/iad/ig/nigos.cfm as part of the NBIS package.

  19. SEPA, efficiency, and payment card competition

    OpenAIRE

    Bolt, Wilko; Schmiedel, Heiko

    2009-01-01

    This paper analyzes the welfare implications of creating a Single Euro Payments Area. We study the effects of increased network compatibility and payment scale economies on consumer and merchant card fees and its impact on card usage. In particular, we model competition among debit cards and between debit and credit cards. We show that competitive pressures dampen merchant fees and increase total card acceptance. The paper argues that there is room for multilateral interchange fee arrangement...

  20. Prepaid card models: a study in diversity

    OpenAIRE

    Julia S. Cheney

    2005-01-01

    Summary: On January 13, 2005, the Payment Cards Center of the Federal Reserve Bank of Philadelphia sponsored a workshop led by Gary Palmer, chief operating officer and co-founder of WildCard Systems, to examine the developing market for prepaid card products. Palmer described several distinct types of prepaid card value propositions, each with its own set of operational needs and customer servicing requirements. In addition, Palmer described new roles that exist in prepaid card programs that ...

  1. An integrated development environment for Java Card

    OpenAIRE

    Attali, I.; Caromel, D.; Courbis, C.; Henrio, L.; Nilsson, H

    2001-01-01

    This article describes a Java Card programming environment which to a large extent is generated from formal specifications of the syntax and semantics of Java Card, the Java Card Runtime Environment (JCRE), and the Java Card APIs. The resulting environment consists of a set of tightly integrated and somewhat smart tools, such as a Java-specific structure editor and a simulator which allows an application to be tested before being downloaded to a card. Furthermore, the simulator analyses the a...

  2. Credit card debt and payment use

    OpenAIRE

    Sprenger, Charles; Stavins, Joanna

    2008-01-01

    Approximately half of credit card holders in the United States regularly carry unpaid credit card debt. These so-called "revolvers" exhibit payment behavior that differs from that of those who repay their entire credit card balance every month. Previous literature has focused on the adoption of debit cards by people who carry credit card balances, but so far there has been no empirical analysis exploring the relationship between revolving behavior and patterns of payment use, such as substitu...

  3. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    HR Division

    2001-01-01

    Members of the personnel and their families, holders of SWISS LEGITIMATION CARDS due to expire during the year 2001, need to change them. Those concerned should bring : a recent passport photo (with NAME and first name on the back) the expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication) to Bureau des cartes, building 33/1-009/1-015. Members of the personnel will be notified by the Social and Statutary Conditions Group, HR Division as soon as the new cards are available. Be careful: If you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organization will not take any responsibility in case of difficulties with the customs authorities or the police.

  4. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    Division des Ressources Humaines; Human Resources Division; Tel. 79494-74683

    2000-01-01

    Members of the personnel, holders of SWISS LEGITIMATION CARDS due to expire during the year 2000, need to change them. Those concerned should bring : a recent passport photo (with NAME and first name on the back) the expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication)to: Bureau des cartes, Bât 33.1-009/1-011. Members of personnel will be notified by HR Division as soon as the new cards are available. Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organization will not take any responsibility in case of difficulties with the customs authorities or the police.

  5. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    Human Resources Division; Human Resources Division; Tel. 79494-74683

    2000-01-01

    Members of the personnel, holders of SWISS LEGITIMATION CARDS due to expire during the year 2000, need to change them. Those concerned should bring: ­ a recent passport photo (with NAME and first name on the back) ­ the expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication) to: Bureau des cartes, Bât 33.1-009/1-011 Members of the personnel will be notified by HR Division as soon as the new cards are available. Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organization will not take any responsability in case of difficulties with the customs authorities or the police.

  6. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    Division des Ressources Humaines; Human Resources Division; Tel. 79494-74683

    2000-01-01

    Members of the personnel, holders of SWISS LEGITIMATION CARDS due to expire during the year 2000, need to change them. Those concerned should bring: - a recent passport photo (with NAME and first name on the back) - the expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication) to: Bureau des cartes, bldg 33.1-009/1-011. HR Division will notify members of personnel as soon as the new cards are available.Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organisation will not take any responsibility in case of difficulties with the customs authorities or the police.

  7. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    Division des Ressources Humaines; Human Resources Division; Tel. 79494-74683

    2000-01-01

    Members of the personnel, holders of SWISS LEGITIMATION CARDS due to expire during the year 2000, need to change them. Those concerned should bring : - a recent passport photo (with NAME and first name on the back) - the expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication) to: Bureau des cartes, bât 33.1-009/1-011. HR Division will notify members of personnel as soon as the new cards are available. Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organization will not take any responsibility in case of difficulties with the customs authorities or the police.

  8. UK Punched Card Reference Manuals

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Documentation for using and reading punched cards kept at the UK Met Office. Includes five Marine and one upper air manual, dated from 1953-1981.

  9. Stream processing health card application.

    Science.gov (United States)

    Polat, Seda; Gündem, Taflan Imre

    2012-10-01

    In this paper, we propose a data stream management system embedded to a smart card for handling and storing user specific summaries of streaming data coming from medical sensor measurements and/or other medical measurements. The data stream management system that we propose for a health card can handle the stream data rates of commonly known medical devices and sensors. It incorporates a type of context awareness feature that acts according to user specific information. The proposed system is cheap and provides security for private data by enhancing the capabilities of smart health cards. The stream data management system is tested on a real smart card using both synthetic and real data. PMID:22127523

  10. NOC rate card: Olympic Games

    OpenAIRE

    2016-01-01

    These catalogues list all items that will be available for the National Olympic Committees through the Rio 2016 Rate Card portal. They contain also the terms and conditions for all the NOC's purchases.

  11. Partner rate card: Olympic Games

    OpenAIRE

    2016-01-01

    Welcome to the London 2012 Partner Rate Card catalogue, the easy way to order the products, services and facilities you will need to deliver hospitality programmes at the Olympic Hospitality Centre and showcasing facilities at the Olympic Park.

  12. OPENING HOURS FOR CARDS OFFICE

    CERN Multimedia

    Human Resources Division

    2001-01-01

    Due to the extra workload generated by the global renewal of French cards and in order to preserve the level of service offered by the cards office, please note that this office will in future be open every morning from 8.30 a.m. to 12.30 p.m. until further notice. The service can be contacted by telephone during the same hours. Thank you for your understanding.

  13. Customer interest in greeting cards

    OpenAIRE

    Nguyen, Thy

    2015-01-01

    The purpose of this thesis project is to research the consumer interest in greeting cards in Espoo, Finland. Therefore, this thesis can give elaborate information about customer preferences in greeting cards’ features in Espoo for the case company, Active Paper, an enterprise focused on the development of bioactive paper based product. Moreover, the main objective of this thesis is to figure out the customer interest in greeting card in Espoo to provide information about consumer behavior not...

  14. Payment cards on the Internet

    OpenAIRE

    Vybíralová, Simona

    2009-01-01

    This thesis deals with payment options on the Internet and is primarily focused on payment cards both in terms of their risks of use, and their popularity from the perspective of merchants and customers. The thesis is divided into six chapters. The first part talks about available payment methods when paying in Czech e-shops. The second part is relates to payment cards in terms of the brief description of its development, current situation, classification, security, security risks and securit...

  15. Credit cards on the internet

    OpenAIRE

    Kvasnička, David

    2009-01-01

    Fast development of modern technologies brings new opportunities, which carry new risks. This work is aimed at options of using credit cards and electronic wallets, younger competitors of credit cards, on the internet. Huge amount of funds flows through those systems every year. Competitive environment forces companies provide more comfortable and more sophisticated systems. Together with new technologies come new risks. Situation is more complex with unsolved old troubles replaced by new one...

  16. Authentications of Myanmar National Registration Card

    Directory of Open Access Journals (Sweden)

    Myint Myint Sein

    2013-04-01

    Full Text Available The automatic identification system of Myanmar national registration card (NRC holder is presented in this paper. The proposed system can be handled the identification by the extracted low quality face image and fingerprint image from Myanmar NRC. Both of the facial recognition and fingerprint recognition system are developed for Myanmar citizenship confirmation. Age invariant face recognition algorithm is performed based on combination of DiaPCA (Diagonal principal Component Analysis and KNN (Kth nearest neighbor classifier approaches. An algorithm of the fingerprint recognition is proposed for recognition of the poor quality fingerprint image with fabric background.  Several experiments have been done for confirming the effectiveness of the proposed approach.

  17. SawjaCard: A Static Analysis Tool for Certifying Java Card Applications

    OpenAIRE

    Besson, Frédéric; Jensen, Thomas; Vittet, Pierre

    2014-01-01

    This paper describes the design and implementation of a static analysis tool for certifying Java Card applications, according to security rules defined by the smart card industry. Java Card is a dialect of Java designed for programming multi-application smart cards and the tool, called SawjaCard, has been specialised for the particular Java Card programming patterns. The tool is built around a static analysis engine which uses a combination of numeric and heap analysis. It includes a model of...

  18. Supplemental Fingerprint Card Data (SFCD) for NIST Special Database 9

    Science.gov (United States)

    Supplemental Fingerprint Card Data (SFCD) for NIST Special Database 9 (PC database for purchase)   NIST Special Database 10 (Supplemental Fingerprint Card Data for Special Database 9 - 8-Bit Gray Scale Images) provides a larger sample of fingerprint patterns that have a low natural frequency of occurrence and transitional fingerprint classes in NIST Special Database 9. The software is the same code used with NIST Special Database 4 and 9. A newer version of the compression/decompression software on the CDROM can be found at the website http://www.nist.gov/itl/iad/ig/nigos.cfm as part of the NBIS package.

  19. Passive microfluidic array card and reader

    Energy Technology Data Exchange (ETDEWEB)

    Dugan, Lawrence Christopher (Modesto, CA); Coleman, Matthew A. (Oakland, CA)

    2011-08-09

    A microfluidic array card and reader system for analyzing a sample. The microfluidic array card includes a sample loading section for loading the sample onto the microfluidic array card, a multiplicity of array windows, and a transport section or sections for transporting the sample from the sample loading section to the array windows. The microfluidic array card reader includes a housing, a receiving section for receiving the microfluidic array card, a viewing section, and a light source that directs light to the array window of the microfluidic array card and to the viewing section.

  20. Business ethics

    OpenAIRE

    Raman Arora

    2002-01-01

    Ethics contain a set of principles of personal and professional conduct .The concept of Business ethics relates itself to the norms and the ideals businessman and business groups adopt in course of their activities in business .Business ethics is an assertion of “be good” and “do good” in business. Ethical business practices has been a blessing to the enterprises as it ensures faith in society ,government trust ,business partners trust .on the other hand unethical business pra...

  1. Business School corporate brand identities

    OpenAIRE

    Syed Alwi, SF; CheHa, N; Yen, D.

    2013-01-01

    The escalation in the number of business schools in Malaysia has created a competitive pressure to attract the best students and lecturers from both the national and international arenas. These business schools have, and, are developing competitive marketing strategies to augment their brand images in terms of university rankings as well as be seen as the top business school in the country. However, little is known to understand how these business schools position their brand images in order ...

  2. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    Division des Ressources Humaines

    2000-01-01

    Members of the personnel, holders of SWISS LEGITIMATION CARDSdue to expire during the year 2000, need to change them.Those concerned should bring:-\ta recent passport photo (with NAME and first name on the back)-\tthe expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication) to:Bureau des cartes, bât 33.1-009/1-011.HR Division will notify members of personnel as soon as the new cards are available.Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organisation will not take any responsibility in case of difficulties with the customs authorities or the police.Human Resources DivisionTel. 79494-74683

  3. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    HR Division

    2000-01-01

    Members of the personnel, holders ofSWISS LEGITIMATION CARDSdue to expire during the year 2000, need to change them.Those concerned should bring:a recent passport photo (with NAME and first name on the back)the expired (or due to expire) card and a recto-verso photocopy on A4 size paper (for certified authentication) to:Bureau des cartes, Bât 33.1-009/1-011.HR Division will notify members of personnel as soon as the new cards are available.Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organisation will not take any responsibility in case of difficulties with the customs authorities or the police.Human Resources DivisionTel. 79494-74683

  4. RENEWAL OF SWISS LEGITIMATION CARDS

    CERN Multimedia

    HR DIVISION

    2000-01-01

    Members of the personnel, holders of SWISS LEGITIMATION CARDSdue to expire during the year 2000, need to change them.Those concerned should bring:a recent passport photo (with NAME and first name on the back)the expired (or due to expire) card and a photocopy (for certified authentication)to: Bureau des cartes, building 33/1-025Members of personnel will be notified by HR Division as soon as the new cards are available.Be careful: if you are in possession of expired cards (Swiss or French), or if you present non-certified copies, the Organization will not take any responsibility in case of difficulties with the customs authorities or the police.Human Resources DivisionTel. 79494-74683

  5. Swiss and French cards - Reminder

    CERN Multimedia

    HR Department

    2011-01-01

    Communication from the HR Department to members of personnel holding an employment or association contract, above 50% and for more than 3 months, with the Organization. The HR Department would like to remind all members of the personnel concerned that they are obliged to: hold a valid Swiss Légitimation card AND a valid French card (“Titre de séjour spécial” or “attestation de fonctions”) at all times during the exercise of their functions in the Organization; return these documents as soon as their functions in the Organization cease. Not following these rules could be prejudicial to the Organization and appropriate measures may be taken with respect to the member of the personnel concerned. Information and procedures concerning Swiss and French cards (first application, renewal, theft/loss, etc.) are available in the Admin e-guide: https://cern.ch/admin-eguide/cartes/proc_cartes_home.asp Users and Unpaid Associates must ...

  6. Reminder: Swiss and French cards

    CERN Multimedia

    2012-01-01

    Communication from the HR Department to members of personnel holding an employment or association contract, above 50% and for more than 3 months, with the Organization. The HR Department would like to remind all members of personnel concerned that they are obliged to: • hold a valid Swiss  Légitimation card AND a valid French card (“Titre de séjour spécial” or “attestation de fonctions”) at all times during the exercise of their functions in the Organization; • return these documents as soon as their functions in the Organization cease. Not following these rules could be prejudicial to the Organization and appropriate measures may be taken towards the member of personnel concerned. Information and procedures concerning Swiss and French cards (first application, renewal, theft/loss, etc.) are available in the Admin e-guide. Users and Unpaid Associates must contact the Users Office HR Department Tel.: 729...

  7. From subprime mortgages to subprime credit cards

    OpenAIRE

    Margo Anderson

    2008-01-01

    Since the 2005 changes to bankruptcy law made subprime products safer for credit card companies, they are promoting more cards to consumers with poor credit. High up-front fees and penalties may call for consumer caution.

  8. Anticompetitive Regulation in the Payment Card Industry

    OpenAIRE

    Ronald Mann

    2011-01-01

    The Credit CARD Act and the Durbin Amendment in the Dodd-Frank Act, despite their purpose, may end up concentrating the payment card industry and harming small banking institutions. Ronald Mann (Columbia)

  9. NCDC Punched Card Inventory - 1950s

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Index of foreign weather data available on punched cards held at the Joint Punched Card Library in Asheville NC, produced in the late 1950s, and also station/data...

  10. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

    Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

  11. Embedded Eavesdropping on Java Card

    OpenAIRE

    Barbu, Guillaume; Giraud, Christophe; Guerin, Vincent

    2012-01-01

    In this article we present the first Combined Attack on a Java Card targeting the APDU buffer itself, thus threatening both the security of the platform and of the hosted applications as well as the privacy of the cardholder. We show that such an attack, which combines malicious application and fault injection, is achievable in practice on the latest release of the Java Card specifications by presenting several case studies taking advantage for instance of the well-known GlobalPlatform and (U...

  12. Calibration of TOB+ Thermometer's Cards

    CERN Document Server

    Banitt, Daniel

    2014-01-01

    Motivation - Under the new upgrade of the CMS detector the working temperature of the trackers had been reduced to -27 Celsius degrees. Though the thermal sensors themselves (Murata and Fenwal thermistors) are effective at these temperatures, the max1542 PLC (programmable logic controller) cards, interpreting the resistance of the thermal sensors into DC counts usable by the DCS (detector control system), are not designed for these temperatures in which the counts exceed their saturation and therefor had to be replaced. In my project I was in charge of handling the emplacement and calibration of the new PLC cards to the TOB (tracker outer barrel) control system.

  13. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Payment by credit card and debit card. 301.6311-2 Section 301.6311-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) PROCEDURE AND ADMINISTRATION PROCEDURE AND ADMINISTRATION Collection General Provisions § 301.6311-2 Payment by credit card and debit card....

  14. National report card on energy efficiency : 5. annual report card on government activities

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2004-12-01

    This annual report card assesses the environmental performance of the federal, provincial and territorial governments in Canada to provide Canadians with an indication of the level of commitment at various levels of government in incorporating energy efficiency measures in policy processes. The federal government as well as each province and territory received scores on the familiar A to F scale for the following 10 categories: programs and public outreach; the Energy Efficiency Act; building codes; energy business plans; in-house programs; regulation on energy markets; access to government information; related policy developments; performance; and evaluation activities. The report card provides Canadians with a measure of Canada's Kyoto commitments to reduce national greenhouse gases and to conserve energy in view of energy supply uncertainties and increasing energy prices. For 2004, the federal government, Quebec and the Yukon had consistently high scores. Manitoba, Saskatchewan and Prince Edward Island showed the greatest improvement in energy efficiency. The Northwest Territories, Nova Scotia, New Brunswick and British Columbia showed solid performance, while Alberta and Ontario did not did not show their full potential. However, recent developments look promising. Newfoundland and Labrador experienced a continuous downward trend. The Alliance is generally satisfied that most jurisdictions have energy efficiency programs in place. tab., 1 fig.

  15. Oligopoly Model of a Debit Card Network

    OpenAIRE

    Manchev, Peter

    2006-01-01

    The paper builds an oligopoly model of a debit card network. It examines the competition between debit card issuers. We show that there is an optimal pricing for the debit card network, which maximizes all issuer's revenues. The paper also shows that establishing a link between debit card networks averages the costs provided that there is no growth in the customer's usage of the networks, resulting from the link.

  16. Credit Card Usage and Knowledge in Thailand

    OpenAIRE

    Sangsutisearee, Wanna

    1993-01-01

    This study was conducted to determine the relationship between the characteristics of credit card holders and the extent of credit card usage, the level of credit card knowledge, and the consumer's choice perspectives. The characteristics of credit card holders studied were (a) gender, (b) age, (c) marital status, (d) education, (e) income, and (f) occupation. Data for this study were collected in Bangkok, Thailand by telephone interviews during July- August 1993. The sample consisted of 1...

  17. An evaluation of the Java Card environment

    OpenAIRE

    Rippert, Christophe; Hagimont, Daniel

    2001-01-01

    In this paper, we present the experiment we have conducted to evaluate the suitability of Java cards for advanced applications. We developed a resource-consuming application in a Java card using only the specified Java Card environment, and noted which missing features could have been useful to improve the functionalities of our application or to ease its development. We then propose new system services to improve the Java Card environment.

  18. MESURE Tool to benchmark Java Card platforms

    OpenAIRE

    Pierre Paradinas; Julien Cordry; Samia Bouzefrane

    2009-01-01

    The advent of the Java Card standard has been a major turning point in smart card technology. With the growing acceptance of this standard, understanding the performance behavior of these platforms is becoming crucial. To meet this need, we present in this paper a novel benchmarking framework to test and evaluate the performance of Java Card platforms. MESURE tool is the first framework which accuracy and effectiveness are independent from the particular Java Card platform tested and CAD used.

  19. Data transfer based on intelligent ethernet card

    International Nuclear Information System (INIS)

    Intelligent Ethernet Cards are widely used in systems where the network throughout is very large, such as the DAQ systems for modern high energy physics experiments, web service. With the example of a commercial intelligent Ethernet card, this paper introduces the architecture, the principle and the process of intelligent Ethernet cards. In addition, the results of several experiments showing the differences between intelligent Ethernet cards and general ones are also presented. (authors)

  20. Smart Card Driving License System in Gujarat

    OpenAIRE

    Deepak Kumar

    2005-01-01

    Gujarat was the first state in India which introduced the smart card license system in 1999. It was the first place in the world which introduced this innovative system and, thus, its implementation was a real challenge. As of now, Gujarat Government has issued 5 million smart card driving licenses to its people. This card is basically a plastic card having ISO 7810 certification and integrated circuit,capable of storing and verifying information according to its programming. To avoid corrupt...

  1. Debit card competition: signature versus pin

    OpenAIRE

    Victor Lubasi

    2005-01-01

    This article explores costs and benefits of two types of debit card authorization methods—signature and PIN (personal identification number)—for merchants, consumers, and financial institutions. It also considers competition between signature- and PIN-based debit cards in the United States and looks at Canada's predominant usage of PIN-based debit cards.

  2. Development of an Active SERCOS Card

    Institute of Scientific and Technical Information of China (English)

    Liu,Yanqiang; Huan,Ji

    2004-01-01

    SERCOS is a data exchange protocol between CNCcontroller and digital drives. The author developed an Active SERCOS Card based on PC ISA bus. With this card, we can control digital drives with SERCOS interfaces without any detailed knowledge of SERCOS. This paper introduces the hardware and software architectures of the card.

  3. Engineering software development with HyperCard

    Science.gov (United States)

    Darko, Robert J.

    1990-01-01

    The successful and unsuccessful techniques used in the development of software using HyperCard are described. The viability of the HyperCard for engineering is evaluated and the future use of HyperCard by this particular group of developers is discussed.

  4. How a Small Family Run Business Adopted Critical Reflection Action Learning Using Hand Drawn Images to Initiate Organisational Change

    Science.gov (United States)

    Shepherd, Gary

    2016-01-01

    In this account of practice I would like to share my experiences of facilitating a Critical Reflection Action Learning (CRAL) set with a small family run business, struggling to make change and expand their services due to the problems they encountered in separating their business lives from their family lives. The account I present here is based…

  5. The economics of payment card fee structure: what drives payment card rewards?

    OpenAIRE

    Fumiko Hayashi

    2008-01-01

    This paper investigates potential market forces that cause payment card rewards even when providing payment card rewards is not the most efficient. Three factors-oligopolistic merchants, output-maximizing card networks, and the merchant's inability to set different prices across payment methods-may potentially explain the prevalence of payment card rewards programs in the United States today. The paper also points out that competition among card networks may potentially make payment rewards t...

  6. A puzzle of card payment pricing : why are merchants still accepting card payments?

    OpenAIRE

    Fumiko Hayashi

    2004-01-01

    This paper presents models that explain why merchants accept payment cards even when the fees they face exceed the transactional benefits they receive from a card transaction. Such merchant behaviors can be explained by competition among merchants and/or the effectiveness of the merchant’s card acceptance in shifting cardholders’ demand for goods upward. The prevalent assumption used in payment card literature—merchants accept cards only when their transactional benefits are higher than the f...

  7. Mediating Business

    DEFF Research Database (Denmark)

    "Mediating Business" is a study of the expansion of business journalism. Building on evidence from Denmark, Finland, Norway and Sweden, "Mediating Business" is a comparative and multidisciplinary study of one of the major transformations of the mass media and the realm of business - nationally and...... globally. The book explores the history of key innovations and innovators in the business press. It analyzes changes in the discourse of business journalism associated with the growth in business news and the development of new ways of framing business issues and events. Finally, it examines the...... organizational implications of the increased media visibility of business and, in particular, the development of corporate governance and media relations....

  8. Improving Institutional Report Card Indicators

    Science.gov (United States)

    McGowan, Veronica

    2016-01-01

    Institutional report cards are increasingly being used by higher educational institutions to present academic outcomes to external audiences of prospective students and parents, as well as program and institutional evaluators. While some prospective students are served by national transparency measures most users mine information from the…

  9. Resource Cards on California Schools

    Science.gov (United States)

    EdSource, 2007

    2007-01-01

    This convenient spiral-bound volume contains the latest data on school finance as well as information on students, teachers, and California's accountability system. The 37-card 2007 edition provides fingertip access to the latest information about California's education system. They are separated into sections that cover related topics. Each…

  10. Business Plan

    OpenAIRE

    Neterda, Karel

    2012-01-01

    The objective of the diploma thesis is aimed at business plan for real estate agency. Theoretical part of the thesis focuses on basic definitions regarding new company establishment. As follows: business laws, legal form of companies, business grants and structure of the business plan. Practical part describes a business plan for real estate agency and evaluate the business environment and current competition through these methods: Porter Five Force Model, SWOT -- and PEST analyses. Further, ...

  11. Market structure and credit card pricing: what drives the interchange?

    OpenAIRE

    Zhu Wang

    2008-01-01

    This paper presents a model for the credit card industry, where oligopolistic card networks price their products in a complex marketplace with competing payment instruments, rational consumers/merchants, and competitive card issuers/acquirers. The analysis suggests that card networks demand higher interchange fees to maximize card issuers' profits as card payments become more efficient. At equilibrium, consumer rewards and card transaction volume also increase, while consumer surplus and merc...

  12. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    OpenAIRE

    Alam, Syed Shah; Rahim, Ruzita Abdul; Ridhwanul HAQ; Atiqur Rahman KHAN

    2014-01-01

    This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect ...

  13. Politeness Principle and Business Correspondence

    Institute of Scientific and Technical Information of China (English)

    杨雅婷

    2015-01-01

    With the development of the process of global economy, the international economic cooperation and exchanges are increasing. It is impossible that we meet al our trading partners face to face, a courteous and descent business letter can help to build a favorable business image for the company and do business better. This paper aims to analyze the politeness principle make people understand the importance of politeness in business letters better.

  14. Review of sound card photogates

    Energy Technology Data Exchange (ETDEWEB)

    Gingl, Zoltan; Mingesz, Robert; Mellar, Janos [Department of Technical Informatics, University of Szeged, Arpad ter 2, 6720 Szeged (Hungary); Makra, Peter, E-mail: gingl@inf.u-szeged.hu [Department of Experimental Physics, University of Szeged, Dom ter 9, 6720 Szeged (Hungary)

    2011-07-15

    Photogates are probably the most commonly used electronic instruments to aid experiments in the field of mechanics. Although they are offered by many manufacturers, they can be too expensive to be widely used in all classrooms, in multiple experiments or even at home experimentation. Today all computers have a sound card - an interface for analogue signals. It is possible to make very simple yet highly accurate photogates for cents, while much more sophisticated solutions are also available at a still very low cost. In our paper we show several experimentally tested ways of implementing sound card photogates in detail, and we also provide full-featured, free, open-source photogate software as a much more efficient experimentation tool than the usually used sound recording programs. Further information is provided on a dedicated web page, www.noise.physx.u-szeged.hu/edudev.

  15. Chinese Green Cards Go Ahead

    Institute of Scientific and Technical Information of China (English)

    ZHANGHUA

    2005-01-01

    THE otherwise happy and fulfilling life of Canadian Louise Cadieux is marred by the nagging worry that she may not be able to get to her octogenarian mother in Canada at short notice, should the need arise.Louise is currently language consultant at the French Edition of China Today,and has lived and worked in China for 10 years. She explains, """"I hold an annually extendable Foreigners' Residential Card,

  16. Valutazione economica dello studio CARDS

    Directory of Open Access Journals (Sweden)

    Simona de Portu

    2007-10-01

    Full Text Available Introduction: cardiovascular diseases (CVD are the major component of premature mortality, generate disability and are a relevant source of cost. The growing incidence of CVD is associated with lifestyle and other modifiable risk factors. Prevention and preclinical detection of CVD reduce morbidity and mortality. Type 2 diabetes is associated with a substantially increased risk of cardiovascular disease. Objective: the aim of the study was to evaluate the health economic consequence of medical therapy with atorvastatin for primary prevention of major cardiovascular events in patients with type 2 diabetes in Italy. Materials and method: in order to reach our objective we drew clinical information from the CARDS study. This economic evaluation was carried out conducting a cost/effectiveness analysis from the perspective of National Health Service (NHS. The analysis was applied to a time horizon in conformity with the observational period adopted in the CARDS study (3.9 years. An incremental cost/effectiveness ratio (ICER was calculated and is expressed as cost per life years gained (LYG. In order to test the robustness of the results, a one-way sensitivity analysis was performed. Results: the total cost of atorvastatin therapy over 3.9 years amounts to around 1.5 million of euros per 1,000 patients. The total cost of adding atorvastatin to standard care in people treated for primary prevention of major cardiovascular events in type 2 diabetes as those involved in the CARDS study would entail an additional cost of about 1,2 million of euros per 1,000 patients treated per 3.9 years, with an incremental cost/effectiveness ratio (ICER equivalent to 36,566 euros per patient per LYG. Discussion: the current study is the first economic evaluation of CARDS study to the Italian situation. The results of the current study show that hypolipemic therapy with atorvastatin 10 mg in diabetic individuals is to be considered cost effective.

  17. Business plan

    OpenAIRE

    Monakov, Victor

    2011-01-01

    The aim of this bachelor's thesis is to prepare a business plan for web design courses in Prague and feasibility & efficiency evaluation of this type of business. In the theoretical part of my bachelor's thesis, I focus on important terms, structure and aspects of a business plan. In the practical part, I apply theoretical knowledge and create a real business plan.

  18. Business intelligence

    Directory of Open Access Journals (Sweden)

    Cebotarean Elena

    2011-02-01

    Full Text Available Business intelligence (BI refers to computer-based techniques used in spotting, digging-out, and analyzing business data, such as sales revenue by products and/or departments, or by associated costs and incomes. BI technologies provide historical, current, and predictive views of business operations. Common functions of business intelligence technologies are reporting, online analytical processing, analytics, data mining, business performance management, benchmarking, text mining, and predictive analytics. Business intelligence aims to support better business decision-making. Thus a BI system can be called a decision support system (DSS. Though the term business intelligence is sometimes used as a synonym for competitive intelligence, because they both support decision making, BI uses technologies, processes, and applications to analyze mostly internal, structured data and business processes while competitive intelligence gathers, analyzes and disseminates information with a topical focus on company competitors. Business intelligence understood broadly can include the subset of competitive intelligence.

  19. Playful Business

    DEFF Research Database (Denmark)

    Lund, Morten; Hansen, Poul H. Kyvsgård; Nielsen, Louise Møller

    2011-01-01

    ” The term business model can be defined as a business concept that has been put into practice. The increase in dynamics in markets, technology, economies etc. challenge the requirements to make consistent and synchronized decisions on which business models to develop and implement. Complexity...... efficiently. This paper describes initial experiences of facilitating business model mapping or business model innovation by game-like setups.”...

  20. Discount medical cards: innovation or illusion?

    Science.gov (United States)

    Kofman, Mila; Libster, Jennifer; Bangit, Eliza

    2005-03-01

    Discount medical cards have come under increasing scrutiny by regulators and law enforcement officials as a result of mounting consumer-reported problems. For their study, the authors tested five cards available in the Washington, D.C., metro area; interviewed card company representatives, state attorneys general insurance regulators, and insurance agents; and reviewed court and administrative actions. While some cards provide a measure of value, other cards were found to have serious drawbacks, including: high-pressure sales tactics; misleading or inaccurate promotion; exaggerated claims of savings; difficulty finding participating doctors; and providers who failed to give cardholders promised discounts. Some discount card companies are seeking to reform the market through a trade association and voluntary code of conduct. Still, legislative and regulatory interventions will be needed to protect consumers in an unregulated and growing market. PMID:15765567

  1. How many cards do you use?

    OpenAIRE

    Shy, Oz

    2013-01-01

    This paper investigates how buyers allocate their spending among debit, credit, and prepaid cards. Using the 2012 Diary of Consumer Payment Choice, I show that consumers tend to concentrate the majority of their transactions and a large value of their transactions on a single type of card. The paper also investigates whether buyers concentrate their spending on one of the card networks, a behavior known as "single-homing."

  2. Do consumers really want credit card reform?

    OpenAIRE

    Kathryn L. Combs; Stacey L. Schreft

    1999-01-01

    Earlier this year, several bills were introduced in Congress to curb what many consumer advocates have described as abusive credit card practices. These bills were intended to keep credit card issuers from penalizing consumers for paying their card balances in full each month. In unveiling one of the measures, Congressman John LaFalce declared, "[Consumers] should not be tricked or trapped into escalating interest rates and unnecessary fees. And they clearly deserve better than to be punished...

  3. Credit card borrowing, delinquency, and personal bankruptcy

    OpenAIRE

    Joanna Stavins

    2000-01-01

    Credit card delinquencies and personal bankruptcy rates increased during the mid 1990s, despite the strength of the U.S. economy. Even though per capita income rose during that period, household borrowing grew at an even faster pace. The rise in revolving debt-mainly credit card loans-was especially noticeable, and the increase in personal bankruptcy rates was also substantial. This article examines the relationship between consumer credit card borrowing, delinquency rates, and personal bankr...

  4. Credit Card Selection Criteria: Singapore Perspective

    OpenAIRE

    Lydia L. Gan; Ramin Cooper Maysami

    2006-01-01

    This study used factor analysis to examine credit card selection criteria among Singaporeans. The results showed that convenience of use and protection, economics, and flexibility were the main drivers, while the reputation of card was the least important in determining credit card selection in Singapore. Demographic results showed that high-income earners, the better educated, the elderly, married and the professional preferred the convenience-protection factor to the economic-promotional fa...

  5. Augmenting C-cards with music actions

    DEFF Research Database (Denmark)

    Jensen, Karl Kristoffer; Valente, Andrea; Lyon, Kirstin Catherine

    2006-01-01

    The paper proposes a new way of introducing music to classes of 8 to 10 years old pupils, by adopting a recent educational tool for teaching Computer Science. Our proposal builds in fact on computational cards (or c-cards), a playful and intuitive mind-tool, that has been applied to a variety...... of Computer Science concepts. Here a simple extension to c-cards is presented, that enables pupils to build and play with tangible musical machine....

  6. C-cards in Music Education

    DEFF Research Database (Denmark)

    Valente, Andrea; Lyon, Kirstin Catherine

    2005-01-01

    The paper proposes a new way of introducing music to classes of 8 to 10 years old pupils, by adopting a recent educational tool for teaching Computer Science. Our proposal builds in fact on computational cards (or c-cards), a playful and intuitive mind-tool, that has been applied to a variety...... of Computer Science concepts. Here a simple extension to c-cards is presented, that enables pupils to build and play with tangible musical machine....

  7. Developing JAVA Card Application with RMI API

    Science.gov (United States)

    JunWu, Xu; JunLing, Liang

    This paper describes research in the use of the RMI to develop Java Card applications. the Java Card RMI (JCRMI), which is based on the J2SE RMI distributed-object model. In the RMI model a server application creates and makes accessible remote objects, and a client application obtains remote references to the server's remote objects, and then invokes remote methods on them. In JCRMI, the Java Card applet is the server, and the host application is the client.

  8. Prepaid cards: vulnerable to money laundering?

    OpenAIRE

    Stanley J. Sienkiewicz

    2007-01-01

    This paper discusses the potential money laundering threat that prepaid cards face as they enter the mainstream of consumer payments. Over the past year, several government agencies have issued reports describing the threat to the U.S. financial system, including the use of prepaid cards by money launderers. Also, this paper incorporates the presentations made at a workshop hosted by the Payment Cards Center at which Patrice Motz, executive vice president, Premier Compliance Solutions, and Pa...

  9. The Market for Electronic Cash Cards

    OpenAIRE

    Shy, Oz; Tarkka , Juha

    1998-01-01

    We develop a theoretical framework aimed to model the pricing of electronic money (electronic cash cards) and the market domain in which it will be used. We first calculate the fee structures of electronic cash- and charge-card industries for the monopoly and competitive cases. We show that the different market structures do not affect the domain of electronic cash cards and the displacement of currency in daily transactions. We provide a welfare analysis to determine whether a market equilib...

  10. Relay attacks of NFC smart cards

    OpenAIRE

    Chu, Xiqing

    2014-01-01

    Near Field Communication (NFC) is a set of standards, which allows two devices to transfer messages over a short range of distance of 10 cm. NFC based smart cards and applications are widely used for public transportation, ticketing system and security critical identity cards. NFC contains mainly two proximity smart card specifications ISO 14443 and ISO 18092 for lower level data exchange. However, none of the specifications above provides security mechanism to protect communication between s...

  11. Card Payments in Romania – a Slow Transition From Cash to Card

    OpenAIRE

    Mirela Catalina (Vint) Turkes

    2015-01-01

    This article analyzes the evolution of the number and volume of transactions of payment with cards, the evolution of the value transactions at POS and cash withdrawals from ATMs, registered in Romania between 2009-2014. Aim of the study is to represent identification of the existing connection: A. between number of payments with cards and value payments with debit and credit cards; B. between value transactions at POSs with cards and number of POSs existing in the country; C. between value tr...

  12. [Validity of hypotheses about the father/mother interpretation of Rorschach cards: tested by using a card selecting method].

    Science.gov (United States)

    Fukui, Yoshikazu; Miyake, Yoshiaki; Okazaki, Tsuyoshi; Moritsu, Makoto; Tohyama, Bin; Yamashita, Keiko; Okada, Shingo

    2011-08-01

    This study tests the validity of hypotheses about the interpretations of Rorschach father/mother cards by having subjects select the cards. The results showed that regardless of the subject's gender, Card IV is far more often selected as the father card. However Card VII is not more often chosen as the mother card, if anything, the Color Cards are usually selected. The result of a correspondence analysis suggest that a certain combination of father and mother cards is more often selected. When the frequency of card selection is applied to the cluster of cards obtained in the study of Fukui et al (2008), the mother card is predominantly selected from the feminine/maternity-cards cluster. However, the father card was selected equally often from three clusters, indicating variation of the father figure. The results indicate the predominance of Card IV as the father card, and also confirm the lack of individuality with Card VII. Therefore, Card IV fulfills prerequisites for the father card hypothesis, while Card VII does not meet the criteria. The results do not support the validity of the hypothesis about the mother card interpretation. PMID:21919302

  13. Smart Card Security; Technology and Adoption

    Directory of Open Access Journals (Sweden)

    Hamed Taherdoost

    2011-12-01

    Full Text Available Newly, smart card technology are being used in a number of ways around the world, on the otherhand, security has become significant in information technology, especially in those applicationinvolving data sharing and transactions through the internet. Furthermore, researches ininformation technology acceptance have identified the security as one of the factor that caninfluence on smart card adoption. This research is chiefly to study the security principals of smartcard and assess the security aspects’ affect on smart card technology adoption. In order toachieve this purpose, a survey was conducted among the 640 university students to measure theacceptance of smart card technology from security aspects.

  14. Java Card: an analysis of the most successful smart card operating system to date

    NARCIS (Netherlands)

    Jong, de Eduard; Hartel, Pieter; Peyret, Patrice; Cattaneo, Peter

    2005-01-01

    To explain why the Java Card operating system has become the most successful smart card operating system to date, we analyze the realized features of the current Java Card version, we argue it could be enhanced by adding a number of intended features and we discuss a set of complementary features th

  15. The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

    Science.gov (United States)

    Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

    2010-01-01

    The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year 1 New…

  16. DESIGN AND IMPLEMENTATION OF FPGA BASED SIGNAL PROCESSING CARD

    Directory of Open Access Journals (Sweden)

    Priya Gupta

    2011-09-01

    Full Text Available This paper describes the design of FPGA based signal processing card. An on board real time digital signal processing system is designed using FPGA. The platform can decode process of various kinds of digital and analog signals simultaneously. The design trend in this card is towards small size, high integration and fast real time processing. For the optimum performance a 16 bit 1 MSPS ADC is used which is interfaced with FPGA to make all the data processing on board in real time. This card can be used in many signal processing based applications like audio signal processing, audio compression, digital image processing, video compression, speech processing, speech recognition, digital communications by interfacing several separate board using inbuilt I/O’s, each with a number of input channels that will communicate with each other in real time over a high speed communication link. The resulting images can be displayed directly on LCD or OLED panel displays using I/O’s peripherals. The project introduces many challenging issues, which are being addressed in turn with different prototype designs. These issues are the ADC performance, interfacing the ADCs to the FPGA, implementing the flexible processing algorithms and high speed interconnection between the boards.

  17. A Risky Business?

    DEFF Research Database (Denmark)

    Blasco, Maribel

    2003-01-01

    The paper looks at initiatives taken by the Mexican Employers' Confederation (COPARMEX)aimed at promoting collaboration among civil society associations around the issue of publicsafety. Insecurity in the form of robbery, assault and kidnapping causes huge losses to business inMexico. It is argued...... that business leaders are seeking to create consensus and form alliancesamong civil society around the topic of insecurity, both to combat crime but also as a strategy tostrengthen links with civil society and improve the image of business, which has suffered due to theincreasing resonance of anti...

  18. Nomis VisitorCard -sovelluskehitys

    OpenAIRE

    Villanen, Jussi

    2010-01-01

    Tämän insinöörityön aiheena on .NET-tekniikalla toteutettu selainpohjainen Nomis VisitorCard -vierailijakorttijärjestelmä. Tavoitteena oli toteuttaa vuoden 2010 aikana uusi versio jo olemassa olevasta Nomis Vierailijajärjestelmästä siten, että nykyinen MS Outlook -tuotteen riippuvuus saatiin purettua ja samalla laajennettua käyttöä Internet-selaimella toimivaksi. Selainpohjaisuuden ja Outlook-riippumattomuuden lisäksi sovelluksen toimintoja kehitettiin vastaamaan myös kasvavan tietoturvan vaa...

  19. Toronto Smog Summit Report Card

    International Nuclear Information System (INIS)

    This 'report card' provides a summary of actions taken, and progress achieved by the federal government, the provincial government and the City of Toronto, respectively, in response to various previous commitments regarding air quality, sustainable transportation, climate and atmospheric research, investing in green infrastructure (federal government), environmental assessment regulations, transboundary air pollution, improved monitoring and reporting regulations. Ratings also cover efforts in imposing emissions caps on the electric industry, emissions reduction trading system, toll-free public air pollution hotline, regulation of ozone depleting substances (provincial government), public education campaign on smog reduction, energy efficiency initiatives, corporate smog alert response plan, and a number of other environmental issues (City of Toronto)

  20. Payment Card Rewards Programs and Consumer Payment Choice

    OpenAIRE

    Ching, Andrew; Hayashi, Fumiko

    2008-01-01

    Card payments have been growing very rapidly. To continue the growth, payment card networks keep adding new merchants and card issuers try to stimulate their existing customers’ card usage by providing rewards. This paper seeks to analyze the effects of payment card rewards programs on consumer payment choice, by using consumer survey data. Specifically, we examine whether credit/debit reward receivers use credit/debit cards relatively more often than other consumers, if so how much more ofte...

  1. Business continuity

    International Nuclear Information System (INIS)

    This presentation deals with the following keypoints: Information Technology (IT) Business Continuity and Recovery essential for any business; lessons learned after Sept. 11 event; Detailed planning, redundancy and testing being the key elements for probability estimation of disasters

  2. Value Chain Flexibility with RFID: A Case Study of the Octopus Card

    Directory of Open Access Journals (Sweden)

    Lam Tak Ming

    2011-02-01

    Full Text Available Octopus cards are an electronic payment system based on a wireless RFID technology developed in Hong Kong. Users simply hold their contactless smartcards over an electronic reader, and the payment is deducted from the card automatically. If users link their cards to their credit card to upload money, there is no cash transaction involved. Launched in 1997, Octopus cards are the world’s most widely accepted contactless RFID electronic payment system. The system generates value for customers, service providers, and societies.This article makes a theoretical and applied contribution to our understanding of strategic information systems. It adopts and modifies Porter’s value chain and develops value‐chain flexibility as a theoretical framework to analyze the Octopus card system. The fast and dramatic changes in customer needs, business competition, and technological innovation are creating an urgent need for flexibility throughout the whole value chain. By looking at order fulfillment as a process, the shop outlet—either online or offline—is only part of the entire flow from customer enquiry to customer receipt. It is clear that no single idea could significantly reduce customer lead time. Only a total effort from organizations to increase flexibility and eliminate bottlenecks can make the kind of difference needed to compete (Day, 1994; Blackburn, 1991; Yusuf, Sarhadi, & Gunasekran, 1999. Therefore, value chain flexibility must be broadly defined, and it should be applied in the service industry. In other words, organizations should be able to deal with the uncertainty along the value chain to meet customer demands. This framework analyzes how the Octopus card system creates value and, in doing so, identifies key implications for customers, service providers, and society

  3. Governance, Issuance Restrictions, And Competition In Payment Card Networks

    OpenAIRE

    Robert S. Pindyck

    2007-01-01

    I discuss the antitrust suit brought by the U.S. Department of Justice against Visa and MasterCard in 1998. Banks that issue Visa cards are free to also issue MasterCard cards, and vice versa, and many banks issue the cards of both networks. However, both Visa and MasterCard had rules prohibiting member banks from also issuing the cards of other networks, in particular American Express and Discover. In addition, most banks are members of both the Visa and MasterCard networks, so governance is...

  4. Business analysis

    CERN Document Server

    Paul, Debra; Cadle, James

    2010-01-01

    Throughout the business world, public, private and not-for-profit organisations face huge challenges. Business analysts must respond by developing practical, creative and financially sound solutions. This excellent guide gives them the necessary tools. It supports everyone wanting to achieve university and industry qualifications in business analysis and information systems. It is particularly beneficial for those studying for ISEB qualifications in Business Analysis. Some important additions since the first edition (2006): the inclusion of new techniques such as Ishikawa diagrams and spaghe

  5. EuCARD Newsletter Issue 2

    CERN Document Server

    Kahle, K L M; Pascoli, S; Palladino, V; Zimmermann, F; Assmann, R; Caldwell, A; Xia, G; Lotov, K; Pukhov, A

    2009-01-01

    European Coordination for Accelerator Research and Development (EuCARD) Newsletter Issue 2: July - September 2009 * A word from the Governing Board Chairman * Amassing the neutrino community * Start by probing the crab cavities * Breaking news for Proton "Surfatrons" * For EuCARD members: Interim reporting

  6. CARD FRAUD EVOLUTION REGULATION AND PREVENTION MEASURES

    OpenAIRE

    Daniela Bojan

    2009-01-01

    In this paper I presented the most frequently appeared card frauds, useful tips andindications to fight against this type of frauds Due to his great utility and effectiveness, debit andcredit cards have a big impact on entire economical and social activity. They became the mostprofitable and the most common used of all costumers’ financial products.

  7. 75 FR 10414 - Researcher Identification Card

    Science.gov (United States)

    2010-03-08

    ... published a proposed rule in the Federal Register (74 FR 48892) for a 60-day public comment period. The... function as a debit card in Washington, DC, area research rooms. The regulation is being clarified to.... * * * * * 0 8. Revise Sec. 1254.84 to read as follows: Sec. 1254.84 How may I use a debit card for copiers...

  8. BHI Purchase Card System user's guide

    International Nuclear Information System (INIS)

    The purpose of the purchase card system (P-Card System) is to apply enhanced acquisition tools for increased return on ERC internal resources, and to reduce the cost of off-the-shelf commercial items through the use of credit cards by authorized personnel. The P-Card may be used to make transactions either over the counter, by mail, or via telephone. For Project employees, the P-Card provides and easier, direct method of acquisition that requires less process time than requisitioning. The P-C eliminates the involvement of the procurement organization in low value-added acquisitions and low-risk transactions. Controller reduces the expenditure of resources in the support of low dollar value products and services acquisition. The P- Card System has been initiated in agreement with American Express Travel Related Services, Inc.; the credit card is and American Express Corporate Purchasing Card. The integrated network application for cardholder reconciliation and reallocation of costs was originally government furnished software developed by the U.S. DOE. Currently, the software application (version 3.0 and beyond) is copyrighted by a Bechtel Hanford, Inc. subcontractor

  9. Cognitive Credit Cards: Acquiring Learning Strategies.

    Science.gov (United States)

    Edmunds, Alan L.

    1999-01-01

    Describes the Cognitive Credit Card, an individualized approach to helping students with learning disabilities select and apply appropriate learning strategies. The CCC is a credit card-sized laminated set of cognitive or metacognitive cues for a specific topic. Feedback from students, teachers, and parents has been highly positive. (DB)

  10. College Student Performance and Credit Card Usage.

    Science.gov (United States)

    Pinto, Mary Beth; Parente, Diane H.; Palmer, Todd Starr

    2001-01-01

    Examines the relationship between credit card usage, employment, and academic performance among a group of college students with credit cards. Results reveal that the students differed significantly in the level of anxiety felt from carrying debt, perceived need to work, and perceived impact of employment on academic performance. (Contains 57…

  11. A Simple Homemade Polarised Sunglasses Test Card

    Science.gov (United States)

    Bamdad, Farzad

    2016-01-01

    In this article construction of a simple and inexpensive test card which can be used to demonstrate the polarisation ability of sunglasses is described. The card was fabricated simply by using a piece of polariser sheet with one to three layers of cellophane tape fixed on it.

  12. A Simulation of Coevolution Using Playing Cards

    Science.gov (United States)

    Tatina, Robert

    2007-01-01

    In this article, the author describes a simulation of a coevolutionary "arms race" and introduce a way of teaching it that lets students use the theory of natural selection to explain the outcomes of the simulation. The simulation uses the numerical cards from an UNO[R] playing card deck to represent the speeds of individuals in populations of…

  13. A simple homemade polarised sunglasses test card

    Science.gov (United States)

    Bamdad, Farzad

    2016-05-01

    In this article construction of a simple and inexpensive test card which can be used to demonstrate the polarisation ability of sunglasses is described. The card was fabricated simply by using a piece of polariser sheet with one to three layers of cellophane tape fixed on it.

  14. An Excel-lent Card Trick

    Science.gov (United States)

    Zullo, Holly S.

    2011-01-01

    Card tricks based on mathematical principles can be a great way to get students interested in exploring some important mathematical ideas. In this article, the author discusses a simple spreadsheet implementation that shows students why the card trick works and allows them to explore several variations. As an added bonus, students are introduced…

  15. Point card compatible automatic vending machine for canned drink; Point card taio kan jido hanbaiki

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2000-01-10

    A point card compatible automatic vending machine for canned drinks is developed, which provides drink manufacturers with a powerful tool to acquire selling sites and attract consumers. Since the machine is equipped with a device to handle point cards, regular customers have increased and sales have picked up. A point card issuing device is also installed, and the new machine issues a point card whenever a customer wants. The drink manufacturers are evaluating high of the vending machine because it will contribute to the diffusion of the point card system and because a sales promotion campaign may be conducted through the vending machine for instance by exchanging a fully marked card with a giveaway on the spot. In the future, a bill validator (paper money identifier) will be integrated even with small size machines for the diffusion of point card compatible machines. (translated by NEDO)

  16. E-Business: The Business Officer's Business.

    Science.gov (United States)

    Olson, Mark A.

    2001-01-01

    Contends e-business is particularly the domain of college and university business officers, with today's officers facing an unprecedented opportunity to exercise a critical leadership role in the deployment of advanced information technology solutions on campus. Describes relevant issues and advances, and presents ten initiatives that business…

  17. Cintilografia de perfusão miocárdica e comprometimento cardíaco na fase indeterminada da doença de chagas Myocardial perfusion imaging and cardiac involvement in the indeterminate phase of chagas disease

    OpenAIRE

    Amalia Peix; Raymid García; Jesús Sánchez; Lázaro O. Cabrera; Kenia Padrón; Oscar Vedia; Hugo V. Choque; Jorge Fraga; Juan Bandera; Alberto Hernández-Cañero

    2013-01-01

    FUNDAMENTO: A cintilografia de perfusão miocárdica (CPM) tem sido utilizada na avaliação da cardiopatia chagásica. OBJETIVO: Investigar o valor da CPM com tomografia computadorizada por emissão de fóton único (gated-SPECT) para detectar comprometimento cardíaco precoce em pacientes chagásicos na fase indeterminada, que apresentam anomalias de movimento segmentar detectadas por exame de imagem por Doppler tecidual (IDT) strain derivada. MÉTODOS: Foram incluídos 40 indivíduos (idade média: 25 ±...

  18. C-cards in Music Education

    DEFF Research Database (Denmark)

    Valente, Andrea; Lyon, Kirstin Catherine

    Music and Computer Science share a dual nature: theory and practice relate in complex ways, and seem to be equally central for learners; for this no standard teaching approach for children has yet emerged in either of these two areas. Computational cards is a tabletop game, where cards act...... as computational elements. Computing machines can be defined, physically built and animated by disposing cards on a table, and moving objectified symbols on top of them, following formal rules. We provide each card with one associated action. The action is performed each time a peg lands on one of the four ports...... of the card; if the action is to generate a sound, then the circuit will effectively became a music machine....

  19. Hybrid Approach for Credit Card Fraud Detection

    Directory of Open Access Journals (Sweden)

    Krishna Kumar Tripathi

    2013-09-01

    Full Text Available Due to a rapid growth in the e-commerce technology, the use of credit cards has increased. As credit card becomes the most popular mode of payment for both online as well as normal purchase, cases of credit card fraud also rising. Financial fraud is increasing significantly with the development of modern technology and the global superhighways of communication, resulting in the loss of billions of dollars worldwide each year. The fraudulent transactions are scattered with genuine transactions and simple pattern matching techniques are not often sufficient to detect those frauds accurately. Implementation of efficient fraud detection systems has thus become imperative for all credit card issuing banks to minimize their losses. Many modern techniques were proposed & implemented in literature, they have their own advantages and disadvantages. We proposed hybrid approach used in credit card fraud detection mechanism.

  20. Visual concept for a technological company : Creating a brand image

    OpenAIRE

    Griffin, Peter

    2013-01-01

    The goal of this project was to create a visual concept for a technological company in the field of medical appliances. The client’s company is a start-up company attempting to get their invention of an ear-based infection-thermometer into the consumer market. The client had no visual concept or brand image and they needed everything from a company and product name, logo, business cards, brochure and website to other marketing materials to be able to launch their product. The project goes...

  1. BUSINESS ETHICS

    OpenAIRE

    Nelu BURCEA; Croitoru, Ion

    2014-01-01

    Through this study we seek to explore the concept of business ethics, in those aspects that we consider to be essential and concrete. We started from a few questions: Could the two concepts be compatible? If not, why not? If yes, could they be complementary? How real is the use of ethics in the profits of a business? How can be business ethics be exemplified and what principles are essential in doing business? How does the business environment react to the concept? These are some of the eleme...

  2. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    Directory of Open Access Journals (Sweden)

    Syed Shah ALAM

    2014-12-01

    Full Text Available This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect credit card debts are credit card related knowledge, aggressive promotion by credit card industry and low minimum payment requirements. These findings also provide insights for both bank management and policy-makers to improve the bank performance in terms of credit card debts.

  3. Factors influencing the decision to choose debit cards : Case: Student customers

    OpenAIRE

    Hoang Thuy, Linh

    2013-01-01

    To understand the behavior of consumers and the factors influencing their decision to choose the product/services is important for marketers and business strategists. But different customer groups can have different behaviors, perceptions and can be influenced differently. Therefore different strategies and marketing policies will be applied for different customer groups. The studies about the debit card usage of student group in Vietnam are not deep or full enough. Therefore in this thes...

  4. Factors Which Influence the Buying Behaviours of Customers with Multiple Regular Customer Cards

    OpenAIRE

    Asamoah, George

    2012-01-01

    The importance of loyal customers and their impact on business profitability is undispu-table, but it is more difficult to build customer retention than it may appear. Marketers and for that matter retailers are doing so many things to establish strong relationships with their customers. Various strategies including loyalty schemes and discount cards are sometimes used in an effort to retain customers and also influence their buying be-haviours, but their success is questionable. One particul...

  5. Business support within business incubators

    NARCIS (Netherlands)

    Ratinho, Tiago; Harms, Rainer; Groen, Aard

    2009-01-01

    Business incubators (BI) have been established worldwide as tools for company creation and small businesses support. BIs claim to help their tenants by providing them with the optimal conditions for increasing early stage survival. Practitioners and researchers agree that business support is a cruci

  6. A microprocessor card software server to support the Quebec health microprocessor card project.

    Science.gov (United States)

    Durant, P; Bérubé, J; Lavoie, G; Gamache, A; Ardouin, P; Papillon, M J; Fortin, J P

    1995-01-01

    The Quebec Health Smart Card Project is advocating the use of a memory card software server[1] (SCAM) to implement a portable medical record (PMR) on a smart card. The PMR is viewed as an object that can be manipulated by SCAM's services. In fact, we can talk about a pseudo-object-oriented approach. This software architecture provides a flexible and evolutive way to manage and optimize the PMR. SCAM is a generic software server; it can manage smart cards as well as optical (laser) cards or other types of memory cards. But, in the specific case of the Quebec Health Card Project, SCAM is used to provide services between physicians' or pharmacists' software and IBM smart card technology. We propose to expose the concepts and techniques used to provide a generic environment to deal with smart cards (and more generally with memory cards), to obtain a dynamic an evolutive PMR, to raise the system global security level and the data integrity, to optimize significantly the management of the PMR, and to provide statistic information about the use of the PMR. PMID:8591193

  7. Modern banking solutions changing business and people

    OpenAIRE

    Myllynen, Juhani

    2009-01-01

    Purpose of the research was to map out user experiences relating to modern banking services such as electronic invoicing, internet banking, payment cards and payments. Private users and businesses were designed their own survey containing similar topics and questions. The theoretical part of the research explained history of various banking solutions in Finland starting from the late 1970’s. Modern technology and solutions were introduced and explained to give an understanding how differe...

  8. Strategy for selecting a Business Intelligence solution

    OpenAIRE

    Marinela MIRCEA

    2008-01-01

    Considering the demands imposed by the knowledge society, each organization strives to become an intelligent organization and, by the means of new and innovative Business Intelligence (BI) strategy, to gain a market competition advantage. Therefore, within organizations became apparent the need for proactive, extensible, performance oriented instruments, with stronger impact than conventional reports, score cards, OLAP system and the year 2007 being the start of a new BI era. This paper inten...

  9. Card - Electronic Money. Comparative Study

    Directory of Open Access Journals (Sweden)

    Mariana Rodica TIRLEA

    2012-11-01

    Full Text Available This type of coin and appeared as a result of the needs for a proper management of the financial resources available in the market, but also to improve the payments system in our country. The card is an alternative to the conventional instruments of payment is a payment instrument with and without cash by means of which the holder disposes of the current account. It is a standardized, secure information and individualized, through which you can perform operations of cash withdrawal, payment for the goods or services purchased, payment obligations by the public administration authorities and funds transfers between accounts, other than those ordered and executed by financial institutions, carried out through the electronic payment instrument.

  10. Relativistic Hydrodynamics on Graphic Cards

    CERN Document Server

    Gerhard, Jochen; Bleicher, Marcus

    2012-01-01

    We show how to accelerate relativistic hydrodynamics simulations using graphic cards (graphic processing units, GPUs). These improvements are of highest relevance e.g. to the field of high-energetic nucleus-nucleus collisions at RHIC and LHC where (ideal and dissipative) relativistic hydrodynamics is used to calculate the evolution of hot and dense QCD matter. The results reported here are based on the Sharp And Smooth Transport Algorithm (SHASTA), which is employed in many hydrodynamical models and hybrid simulation packages, e.g. the Ultrarelativistic Quantum Molecular Dynamics model (UrQMD). We have redesigned the SHASTA using the OpenCL computing framework to work on accelerators like graphic processing units (GPUs) as well as on multi-core processors. With the redesign of the algorithm the hydrodynamic calculations have been accelerated by a factor 160 allowing for event-by-event calculations and better statistics in hybrid calculations.

  11. Insider protection: A report card

    International Nuclear Information System (INIS)

    Enhanced security measures against external threats (e.g., terrorists, criminals) have been implemented at most facilities that handle special nuclear material, classified information, or other assets critical to national security. Attention is now focusing on insider protection, and safeguards managers are attempting to provide balanced protection against insider and outsider threats. Potential insider threats include attempts by facility employees to steal special nuclear material (SNM), to cause a radiological hazard to the public, to sabotage critical facilities, or to steal property or classified information. This paper presents a report card on the status of insider protection at Department of Energy and Nuclear Regulatory Commission-licensed facilities, with emphasis on SNM theft. The authors discuss the general trends in insider protection and the limitations of protection measures currently in use. They also discuss the most critical needs for improved procedures, technology, analytical tools, and education for safeguards personnel

  12. Charge Cards: Risk Management in the Contemporary Electronic Environment

    Directory of Open Access Journals (Sweden)

    Aleksandar Čudan

    2010-06-01

    Full Text Available Information technology must be a tool which facilitates business operations rather than a hindrance to achieving business goals. Applicative solutions have to provide required performances, risk control, simple integration and necessary flexibility for successful implementation. Contemporary information tools offer attractive features, but they are also a specific implementation challenge for management structures in the financial sector. In the new setting of information challenge, business persons must be far better technologically trained on the one hand, while on the other, the new technology must become much more human-oriented. The aim of such application is to define risk control in the approach to information technologies and organise risk protection techniques. The management of financial institutions must permanently reconsider, revise and update the risk management plan. In this, it is essential to establish the risks prevailing in the total integrated electronic trade environment. In the electronic environment, controls must be primarily preventive by nature. Numerous and varied potential threats endangering information systems, especially those that can be qualified as crime, unequivocally impose the need to build an adequate system for information system protection. Consequences are as unknown as the directions and possibilities of establishing completely new directions, or a new and less well-known payment facility such as digital money, i.e. charge cards. Only future will show whether it is the end of money as we know it, or the revolution of a new payment tool. It is a fact that the electronic market is here to stay.

  13. 25 CFR 11.422 - Unauthorized use of credit cards.

    Science.gov (United States)

    2010-04-01

    ... misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge... other reason his or her use of the card is unauthorized by the issuer. (b) Credit card means a writing... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of credit cards. 11.422 Section...

  14. 19 CFR 112.43 - Form of identification card.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Form of identification card. 112.43 Section 112.43 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY; DEPARTMENT OF THE TREASURY CARRIERS, CARTMEN, AND LIGHTERMEN Identification Cards § 112.43 Form of identification card. The identification card shall be issued...

  15. Improving the Security of CardSpace

    OpenAIRE

    Waleed A. Alrodhan; Mitchell, Chris J

    2009-01-01

    CardSpace (formerly known as InfoCard) is a digital identity management system that has recently been adopted by Microsoft. In this paper we identify two security shortcomings in CardSpace that could lead to a serious privacy violation. The first is its reliance on user judgements of the trustworthiness of service providers, and the second is its reliance on a single layer of authentication. We also propose a modification designed to address both flaws. The proposed approach is compatible wit...

  16. Insuficiencia cardíaca y diabetes

    OpenAIRE

    Jorge Thierer

    2006-01-01

    La prevalencia de la insuficiencia cardíaca y la diabetes continúa creciendo. Ambas están fuertemente asociadas. La diabetes es un fuerte predictor de aparición de insuficiencia cardíaca. Las razones son la presencia de enfermedad coronaria y los trastornos metabólicos vinculados con la resistencia a la insulina que generan disfunción contráctil. Los pacientes con insuficiencia cardíaca que son diabéticos tienen peor evolución. Los Betabloqueantes, vasodilatadores y los inhibidores de la en...

  17. PERIOD OF VALIDITY OF CERN CARDS

    CERN Multimedia

    Relations with the Host States Service

    2002-01-01

    Reminder The period of validity of CERN cards not bearing an expiry date has been extended from 30 June to 31 December 2002 (see paragraph 17.4 of the Implementation Measures relating to Operational Circular n° 2). Holders of such cards are kindly requested to have their cards renewed either at the Users Office (in the case of Users) or at the Registration Service (all the others) from 1 August 2002 onwards. Relations with the Host States Service http://www.cern.ch/relations/ Tel. 72848

  18. Authoring of digital games via card games

    DEFF Research Database (Denmark)

    Valente, Andrea; Marchetti, Emanuela

    2014-01-01

    propose a new scenario in which trading card games help making sense and re-design computer games, to support players express themselves aesthetically and in a highly creative way. Our aim is to look for a middle ground between players becoming programmers and simply editing levels. The main contributions...... are to show how card games can represent digital games, how playful play can emerge in card games and digital games, and to begin defining a new way to express game behavior without the use of universal programming languages....

  19. SD card projects using the PIC microcontroller

    CERN Document Server

    Ibrahim, Dogan

    2010-01-01

    PIC Microcontrollers are a favorite in industry and with hobbyists. These microcontrollers are versatile, simple, and low cost making them perfect for many different applications. The 8-bit PIC is widely used in consumer electronic goods, office automation, and personal projects. Author, Dogan Ibrahim, author of several PIC books has now written a book using the PIC18 family of microcontrollers to create projects with SD cards. This book is ideal for those practicing engineers, advanced students, and PIC enthusiasts that want to incorporate SD Cards into their devices. SD cards are che

  20. Financial Fitness: Selecting a Credit Card

    OpenAIRE

    Gorham, Liz, PhD; Goetting, Marsha A., PhD

    1998-01-01

    Consumers who want to save interest charges on large loans, such as a home mortgage or auto loan, usually comparison shop for the "best deal." Comparison shopping for a credit card is also an excellent practice because terms and conditions of the account can make a difference in how much consumers pay for the privilege of borrowing. Consumers are often amazed at some of the "hidden" costs of some credit cards. With information in this fact sheet, Utahns can compare credit card terms they have...

  1. Thermal transfer structures coupling electronics card(s) to coolant-cooled structure(s)

    Energy Technology Data Exchange (ETDEWEB)

    David, Milnes P; Graybill, David P; Iyengar, Madhusudan K; Kamath, Vinod; Kochuparambil, Bejoy J; Parida, Pritish R; Schmidt, Roger R

    2014-12-16

    Cooling apparatuses and coolant-cooled electronic systems are provided which include thermal transfer structures configured to engage with a spring force one or more electronics cards with docking of the electronics card(s) within a respective socket(s) of the electronic system. A thermal transfer structure of the cooling apparatus includes a thermal spreader having a first thermal conduction surface, and a thermally conductive spring assembly coupled to the conduction surface of the thermal spreader and positioned and configured to reside between and physically couple a first surface of an electronics card to the first surface of the thermal spreader with docking of the electronics card within a socket of the electronic system. The thermal transfer structure is, in one embodiment, metallurgically bonded to a coolant-cooled structure and facilitates transfer of heat from the electronics card to coolant flowing through the coolant-cooled structure.

  2. Débito cardíaco e fração de ejeção fetal por meio do spatio-temporal image correlation (STIC: comparação entre fetos masculinos e femininos Fetal cardiac output and ejection fraction by spatio-temporal image correlation (STIC: comparison between male and female fetuses

    Directory of Open Access Journals (Sweden)

    Christiane Simioni

    2012-06-01

    Full Text Available OBJETIVO: Comparar do débito cardíaco (DC e a fração de ejeção (FE do coração de fetos masculinos e femininos obtidos por meio da ultrassonografia tridimensional, utilizando o spatio-temporal image correlation (STIC. MÉTODOS: Realizou-se um estudo de corte transversal com 216 fetos normais, entre 20 a 34 semanas de gestação, sendo 108 masculinos e 108 femininos. Os volumes ventriculares no final da sístole e diástole foram obtidos por meio do STIC, sendo as avaliações volumétricas realizadas pelo virtual organ computer-aided analysis (VOCAL com rotação de 30º. Para o cálculo do DC utilizou-se a fórmula: DC= volume sistólico/frequência cardíaca fetal, enquanto que para a FE utilizou-se a fórmula: FE= volume sistólico/volume diastólico final. O DC (combinado, feminino e masculino e a FE (masculina e feminina foram comparadas utilizando-se o teste t não pareado e ANCOVA. Foram criados gráficos de dispersão com os percentis 5, 50 e 95. RESULTADOS: A média do DC combinado, DC direito, DC esquerdo, FE direita e FE esquerda, para feminino e masculino, foram 240,07 mL/min; 122,67 mL/min; 123,40 mL/min; 72,84%; 67,22%; 270,56 mL/min; 139,22 mL/min; 131,34 mL/min; 70,73% e 64,76%, respectivamente; sem diferença estatística (P> 0,05. CONCLUSÕES: O DC e a FE fetal obtidos por meio da ultrassonografia tridimensional (STIC não apresentaram diferença significativa em relação ao gênero.OBJECTIVE: To compare the cardiac output (CO and ejection fraction (EF of the heart of male and female fetuses obtained by 3D-ultrasonography using spatio-temporal image correlation (STIC. METHODS: We conducted a cross-sectional study with 216 normal fetuses, between 20 and 34 weeks of gestation, 108 male and 108 female. Ventricular volumes at the end of systole and diastole were obtained by STIC, and the volumetric assessments performed by the virtual organ computer-aided analysis (VOCAL rotated 30º. To calculate the DC used the formula

  3. Business plan

    OpenAIRE

    Bekesheva, Karina

    2013-01-01

    This Bachelor`s thesis is a business plan of the event agency. It consists of two parts: theoretical and practical. Theoretical part is based on theory from books and other re-sources. In theoretical part there are some definitions about entrepreneurship, business plan and some strategic analyses tools. In addition, it includes the history of entrepre-neurship in Kazakhstan. Practical part is focused on creation the business plan. It in-volves some external and internal analyses, marketing st...

  4. Business plan

    OpenAIRE

    Poulová, Markéta

    2012-01-01

    The subject of this thesis is to handle the business of the project for the already existing Goat farm High – for Cross breeding goats, engaged in the production of goat's milk and its subsequent processing into dairy products. The work is divided into theoretical and practical part. The theoretical part of the work defines the theoretical definition of business project and its individual parts. There are defined the basic features of the business project, characterized by the concept of r...

  5. An analysis of a war-like card game

    CERN Document Server

    Alexeev, Boris

    2010-01-01

    In his book "Mathematical Mind-Benders", Peter Winkler poses the following open problem, originally due to the first author: "[In the game Peer Pressure,] two players are dealt some number of cards, initially face up, each card carrying a different integer. In each round, the players simultaneously play a card; the higher card is discarded and the lower card passed to the other player. The player who runs out of cards loses. As the number of cards dealt becomes larger, what is the limiting probability that one of the players will have a winning strategy?" We show that the answer to this question is zero, as Winkler suspected. Moreover, assume the cards are dealt so that one player receives r >= 1 cards for every one card of the other. Then if r phi, it is one.

  6. Credit Cards and Debit Cards in the United States and Japan

    OpenAIRE

    Mann, Ronald-J

    2002-01-01

    This article examines differences in credit-card and debit-card usage between the United States and Japan. Although I do not doubt that social and psychological factors have some significance, I contend that four institutional factors also have useful explanatory power: the freedom of banks to enter the industry; the size of retailers; the level of telecommunications costs; and the size of the national economy. Generally, credit cards in Japan are used for a smaller share of transactions, wit...

  7. Re-thinking Enrolment in Identity Card Schemes

    CERN Document Server

    Al-Khouri, Ali M

    2011-01-01

    Many countries around the world have initiated national ID card programs in the last decade. These programs are considered of strategic value to governments due to its contribution in enhancing existing identity management systems. Considering the total cost of such programs which goes up to billions of dollars, the success in attaining their objectives is a crucial element in the agendas of political systems in countries worldwide. Our experience in the field shows that many of such projects have been challenged to deliver their primary objectives of population enrolment, and therefore resulted in failing to meet deadlines and keeping up with budgetary constraints. The purpose of this paper is to explain the finding of a case study action research aimed to introduce a new approach to how population are enrolled in national ID programs. This is achieved through presenting a case study of a business process reengineering initiative undertaken in the UAE national ID program. The scope of this research is limite...

  8. Controlling system components with a sound card: A versatile inkjet fluid testing platform

    Science.gov (United States)

    Bognet, Brice; Guo, Yang; Ma, Anson W. K.

    2016-01-01

    In this paper, we demonstrate how to use a personal computer sound card to develop an experimental platform for evaluating the jettability and jetting behavior of inkjet fluids. The test fluid is driven out of a nozzle acoustically using a loudspeaker, forming a jet. The subsequent jet breakup process is then captured using a stroboscopic light source and a camera. Instead of using a delay generator as in previous work, the current setup uses a computer sound card and audio amplifier to (i) generate actuation waveforms of arbitrary shapes and (ii) synchronize the jet actuation and imaging with a time precision close to 5 μs. To correct for any signal distortions caused by the built-in high pass filters of the sound card and amplifier, a numerical filter is created and applied before sending the desired signal to the sound card. Such correction method does not require physically modifying the hardware of the sound card or amplifier and is applicable to different waveforms and filters provided that the transfer function is correctly identified. The platform has been tested using 20% (v/v) glycerol in water as a model fluid. Combining this platform with digital image analysis further enables a quantitative assessment of parameters such as the volumes and positions of the jet and drop that are important for quality control and development of new ink formulations.

  9. Disrupting Business

    DEFF Research Database (Denmark)

    Cox, Geoff; Bazzichelli, Tatiana

    Disruptive Business explores some of the interconnections between art, activism and the business concept of disruptive innovation. With a backdrop of the crisis of financial capitalism, austerity cuts in the cultural sphere, the idea is to focus on potential art strategies in relation to a broken...... economy. In a perverse way, we ask whether this presents new opportunities for cultural producers to achieve more autonomy over their production process. If it is indeed possible, or desirable, what alternative business models emerge? The book is concerned broadly with business as material for reinvention...

  10. Consumers' use of debit cards: patterns, preferences, and price response

    OpenAIRE

    Ron Borzekowski; Elizabeth K. Kiser; Shaista Ahmed

    2006-01-01

    Debit card use at the point of sale has grown dramatically in recent years in the U.S., and now exceeds the number of credit card transactions. However, many questions remain regarding patterns of debit card use, consumer preferences when using debit, and how consumers might respond to explicit pricing of card transactions. Using a new nationally representative consumer survey, this paper describes the current use of debit cards by U.S. consumers, including how demographics affect use. In add...

  11. Drivers of Credit Cards Adoption and Usage: An Exploratory Study

    OpenAIRE

    Chong, Seow Fun

    2009-01-01

    The competition among different credit card issuers has become more intense, leading to increased challenge for market growth opportunities in terms of credit cards circulation and share of wallet in terms of credit card usage. In response to competition from existing players and possible new entrants to the credit card market, credit card issuers need to be creative and innovative in their marketing strategies to gain competitive advantage. It is crucial for marketing practitioners in the cr...

  12. The Regulation of the Credit Card Market in Turkey

    OpenAIRE

    Aysan, Ahmet Faruk; Lerzan, Yildiz

    2006-01-01

    The rapid growth in Turkish credit card market brought together new issues. Card holders and consumer unions complain about the high interest rates, economists complain about the default rates and banks complain about the amnesties. After all of these complaints coinciding with the accelerating suicide incidences due to credit card debts, regulation has been enacted in the credit card market in Turkey. In 2003, credit cards had been taken into the scope of the Consumer Protection Law. This wa...

  13. Credit card spending limit and personal finance: system dynamics approach

    OpenAIRE

    Mirjana Pejić Bach; Jovana Zoroja; Marjana Merkač Skok

    2014-01-01

    Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrate...

  14. Funding credit card loans: current and future considerations

    OpenAIRE

    James van Opstal

    2013-01-01

    Many factors influence credit-card-issuing banks’ decisions about how to fund credit card loans. These factors include the size and structure of the institution, economic conditions, and the regulatory environment. Against the backdrop of a much smaller market for credit card asset-backed securitization, the Payment Cards Center (PCC) wanted to better understand how changes in any of the above factors and in the funding sources accessible to credit-card-issuing banks are affecting funding str...

  15. CREDIT CARD OWNERSHIP AND DEBT STATUS IN MALAYSIA

    OpenAIRE

    YIING JIA LOKE; Yen, Steven T.; ANDREW K. G. TAN

    2013-01-01

    This paper examines the role of socio-demographic and credit consumption tendencies in affecting credit card ownership and debt status. Based on a sample of 938 individuals from three major cities in Malaysia, card holders' debt status is measured in relation to credit card expenditure, which in turn is categorized into convenience users, low-risk credit revolvers and high-risk credit revolvers. While socio-demographic factors play significant roles in determining card ownership, card holders...

  16. The Development and Application of Blowing-carding Technology

    Institute of Scientific and Technical Information of China (English)

    刘海涛

    2003-01-01

    This paper introduces the development,compositions and characteristics of the domestic and foreign blowing-carding technique,discusses the technology of blowing-carding machines and the structures and functions of the main machines,analyses the production experiments of three types of blowing-carding flow lines in detail,and puts forward the effective measures to control the main quality index of blowing-carding sliver and the trend of blowing-carding technique development.

  17. Pricing and welfare implications of payment card network competition

    OpenAIRE

    Fumiko Hayashi

    2006-01-01

    This paper examines how competition among payment card networks three-party scheme networks and four-party scheme networks affects pricing as well as the welfare of various parties. A competing network has an incentive to provide rewards to its card users. By providing more generous rewards than its rival networks, the network can increase its own card transactions because multihoming cardholders who hold multiple networks cards choose to use its card instead of using its rivals. Although a m...

  18. THE EVOLUTION OF THE INTELLIGENT CARDS AND THE ROMANIAN MARKET

    OpenAIRE

    Alexandra Pricopi; Alina Elena Oprescu

    2011-01-01

    This paper will try to describe the close relationship between the economic evolution and technology, especially how the technical aspects of debit/credit cards interact with the economical aspects. There are approached concepts related to smart card and especially the use of cards in different economic purposes. Since the introduction of the first cards there has been an accelerated growth of the use of smart cards. One of the essential growth factors has been the progress in the electronic ...

  19. College Student Credit Card Usage and Debt.

    Science.gov (United States)

    Rybka, Kathryn M.

    2001-01-01

    Provides an overview of the concerns related to credit card usage by college students. Offers information student affairs professionals can use to help college students make responsible choices. (Contains 26 references.) (GCP)

  20. CRC-cards for Product Modelling

    DEFF Research Database (Denmark)

    Hvam, Lars; Riis, Jesper; Hansen, Benjamin Loer

    2003-01-01

    , transportation, service and decommissioning. A main challenge when building product models is to collect and document the product related data, information and knowledge in a structured way. CRC cards are index cards (or computerized versions of these) which are used to record proposed classes, the behavior...... of the classes, their responsibilities, and their relationship to other classes (collaboration). CRC modelling gives an effective, low-tech method for domain-experts, programmers and users to work closely together to identify, structure, understand and document a product model. CRC cards were originally...... introduced back in 1989 for software developers in general as a tool for defining an object oriented analysis model. In this paper CRC cards and the associated object oriented modelling techniques are adapted to product modelling. CRC modelling includes for instance: Organizing the CRC modelling team...

  1. FRENCH CARDS - NEW PROCEDURE FOR INITIAL APPLICATION

    CERN Multimedia

    Human Resources Division

    2002-01-01

    The Human Resources Division would like to remind members of personnel that they are obliged to submit an application form for a French card as soon as they have a permanent address in either Switzerland or in France and they are actually living there. Following the rationalization of our administrative procedures, as of October 1st, 2002, the initial application procedure for a French card will now be as follows: The member of personnel should complete an application form. If necessary, an application form must also be completed for family members. These forms must then be transferred via e-mail to the appropriate Divisional Administrative Officer (DAO) who will forward them to the Cards Service. In parallel, the member of personnel should submit the necessary supporting documents to the Cards Service. The application form (Word format only), the procedural details, the necessary supporting documents as well as the conditions of issue are available here.   Human Resources Division Tel. 74469

  2. Antibiotic 'Report Card' Drills Guidelines into Dentists

    Science.gov (United States)

    ... 160702.html Antibiotic 'Report Card' Drills Guidelines Into Dentists Seeing their prescription rates leads some to change ... 30, 2016 TUESDAY, Aug. 30, 2016 (HealthDay News) -- Dentists are less likely to prescribe antibiotics for patients ...

  3. EuCARD final project report

    CERN Document Server

    Koutchouk, J P

    2014-01-01

    After four years of activity, EuCARD has most of its objectives fulfilled, with some new objectives added and a few others on excellent tracks while requiring additional time. The management has been active in reinforcing the collaborative links between partners and projects, contributing to the preparation of FP7-EuCARD2, initiating FP7-HiLumi-LHC Design Study, to favour sustained collaborations beyond EuCARD. An out-of-contract network has been successfully launched on laser plasma acceleration, to combine forces between accelerator, laser and plasma communities. Communication and dissemination activities have led to two highlights: Accelerating News, an accelerator R&D newsletter initiated by EuCARD and now common to all FP7 accelerator projects (over 1000 subscribers) and a series of monographs on accelerator sciences that is progressively finding its public. The scientific networks have more than fulfilled their initial objectives: roadmaps are defined for neutrino facilities, submitted to the Europe...

  4. Card Sorts, State Tests, and Meaningful Mathematics

    Science.gov (United States)

    Chauvot, Jennifer B.; Benson, Sharon L. D.

    2008-01-01

    This article shares card-sorting activities that involve state-mandated test items to use with prospective and practicing mathematics teachers to teach about accountability measures while exploring reform-minded mathematics instruction recommendations. (Contains 2 figures.)

  5. 25 CFR 249.3 - Identification cards.

    Science.gov (United States)

    2010-04-01

    ... the issuance of an appropriate identification card to any Indian entitled thereto as prima facie... any Federal, State, or tribal enforcement officer shall be prima facie evidence that the person is...

  6. CARDS MARKET - A RESISTANT MARKET TO CRISIS

    OpenAIRE

    Vechiu Camelia; Gherman Liliana - Victoria; Tudose Geanina - Gabriela

    2012-01-01

    At the same time with the development of market and consumer behavior of Romanians, the growth rate of cards market accelerated. Of course, infrastructure and acceptance network were very important, they are the factors that allowed the widespread use of cards. Currently, any natural person or legal entity is engaged in commercial relationships involving financial transactions, the electronic payments having an important role, representing virtually future transactions, both nationally and ac...

  7. Credit card pricing developments and their disclosure

    OpenAIRE

    Mark Furletti

    2003-01-01

    Public data, proprietary issuer data, and data collected by the author from a review of over 150 lender-borrower contracts from 15 of the largest issuers in the U.S. suggest that, over the past 10 years, credit card issuers have drastically changed the way that they price their product. This paper outlines the history and dynamics of credit card pricing over the past 10 years and examines how new pricing methods are addressed by current regulatory disclosure requirements.

  8. Prototype ALICE front-end card

    CERN Multimedia

    Maximilien Brice

    2004-01-01

    This circuit board is a prototype 48-channel front end digitizer card for the ALICE time projection chamber (TPC), which takes electrical signals from the wire sensors in the TPC and shapes the data before converting the analogue signal to digital data. A total of 4356 cards will be required to process the data from the ALICE TPC, the largest of this type of detector in the world.

  9. Smart Card Security; Technology and Adoption

    OpenAIRE

    Hamed Taherdoost; Shamsul Sahibuddin; Neda Jalaliyoon

    2011-01-01

    Newly, smart card technology are being used in a number of ways around the world, on the otherhand, security has become significant in information technology, especially in those applicationinvolving data sharing and transactions through the internet. Furthermore, researches ininformation technology acceptance have identified the security as one of the factor that caninfluence on smart card adoption. This research is chiefly to study the security principals of smartcard and assess the securit...

  10. Research for the Smart Card of 2010

    OpenAIRE

    Cucinelli, B.

    2001-01-01

    In preparation for the activities to be launched under the 6th Framework Programme for Research, Technological Development and Demonstration Activities (FP61), the European Commission’s Information Society Directorate-General organised a meeting to consult the industrial and academic research community on current and future RTD needs in the domain of smart card technology. Those attending this meeting, which was held in Brussels on 23 May 2001, all agreed that the European smart card industry...

  11. A NEW BUSINESS MODEL FOR ATM TRANSACTION SECURITY USING FINGERPRINT RECOGNITION

    Directory of Open Access Journals (Sweden)

    SOWMYA RAVIKUMAR

    2013-06-01

    Full Text Available Money transactions play a vital role in the nature of trade. Today, ATMs and Credit cards are used for this purpose, the authentication of these transactions are unsecure. To overcome this shortcoming of piracy in money transactions, the author proposes the idea of using fingerprints of customers as password in place of traditional pin number. Here, if the fingerprint is recognized, then it allows transaction. This model has an additional feature i.e., a reference fingerprint of the nominee or a close family member of the customer can be used if the customer is not available in case of emergencies. This proposed business model helps the society, mainly the rural people, by enhancing the security using Fingerprint recognition in Digital image processing. As the fingerprint of every person is unique and unchangeable, this biometric feature is used over the others.

  12. Problem and solution of tally segment card in MCNP code

    International Nuclear Information System (INIS)

    Wrong results may be given when FS card (tally segment card) was used for tally with other tally cards in Monte Carlo code MCNP. According to the comparison of segment tally results which were obtained by FS card of three different models of the same geometry, the tally results of fuel regions were found to be wrong in fill pattern. The reason is that the fuel cells were described by Universe card and FILL card, and the filled cells were always considered at Universe card definition place. A proposed solution was that the segment tally for filled cells was done at Universe card definition place. Radial flux distribution of one example was calculated in this way. The results show that the fault of segment tally with FS card in fill pattern could be solved by this method. (authors)

  13. Business valuation

    OpenAIRE

    Kropáček, Matěj

    2012-01-01

    The diploma thesis is concerning the problematic of business valuation of Nestlé Česko. The estimated value of the company refers to 31. 12. 2012. Within business valuation, diploma thesis comprises several analyses such as SWOT analysis, PEST analysis, Porter five forces analysis and financial analysis. The yield method of discounted free cash flow to the firm (FCFF) was applied to the business valuation. The comparison of company Nestlé Česko with its closest competitor in terms of basic fi...

  14. Business Law

    DEFF Research Database (Denmark)

    Föh, Kennet Fischer; Mandøe, Lene; Tinten, Bjarke

    Business Law is a translation of the 2nd edition of Erhvervsjura - videregående uddannelser. It is an educational textbook for the subject of business law. The textbook covers all important topic?s within business law such as the Legal System, Private International Law, Insolvency Law, Contract l......, Instruments of debt and other claims, Sale of Goods and real estate, Charges, mortgages and pledges, Guarantees, Credit agreements, Tort Law, Product liability and Insurance, Company law, Market law, Labour Law, Family Law and Law of Inheritance....

  15. Pricing Debit Card Payments Services: An IO approach

    OpenAIRE

    Bolt, W.; Tieman, A.F.

    2003-01-01

    In this paper we present a theoretic framework to analyse pricing structures in debit card schemes. Card-holders value debit cards only to the extent that these are accepted by retailers, while retailers in turn benefit from a widespread usage of cards. This points to the two-sided nature of the market for debit cards. In setting its prices, the network routing switch, which in our model controls the electronic debit card network and is jointly owned by the banks, needs to consider getting bo...

  16. AGATE animation - business theme

    Science.gov (United States)

    1998-01-01

    Business jet 2 of 6. Advanced General Aviation Technology Experiment (AGATE). Few objects convey wealth and power like a private airplane, but one day you won't have to be rich or famous to fly one. NASA is working with industry and other government agencies to develop the technology and vision for business and personal travel of the future. It's a future in which travelers fly to their destinations in small, safe, affordable and easy-to-use jets out of 'smart airports.' Future small aircraft may cost about as much as a luxury automobile. They will use 25% less fuel than today's airplanes with fuel efficiencies rivaling automobiles, but at four times highway speeds. The goal is to put 'wings on America' and enable doorstep-to-destination travel at four times the speed of highways, making it possible to go where you want, when you want - faster than ever. Image from AGATE 'business jet' video animation.

  17. Environmental Business

    International Nuclear Information System (INIS)

    This book introduces business strategy to save the earth, which are foundation of system in the company, collection of disposable camera, resort which don't destroy environment, core strategy of item project, cutback of Freon gas, production of plastic which is degraded, export of pollution prevention technology, increasing waste and changing waste, rule on construction waste, responsibility of business and waste problems, recycling of aluminum can and responsibility on environmental problems.

  18. Business activities

    OpenAIRE

    Vosátková, Jitka

    2013-01-01

    This thesis deals with current issues in Small Businesses individuals in the City of Prague. The theoretical part of the thesis is in outline current legislation and legal literature on the conditions for carrying on a trade, rights and obligations of entrepreneurs of and procedure for obtaining a trade license, during the trade, trade controls, administrative offenses, termination and cancellation of trade license . The practical part is characterized by a small business environment an...

  19. Business plan

    OpenAIRE

    Triandafilu, Aneta

    2012-01-01

    The goal of the bachelor thesis is to create a business plan for an emerging company - HEALTHY GARDEN, s.r.o, which is a restaurant with main focus on providing healthy food and gluten free food. The purpose of the plan is verification of the project's feasibility and its competitiveness on the current market. The thesis is divided into two parts - theoretic and practical. The first part explains theoretical background of business plan creation, its implication, purpose and structure. It also...

  20. FRENCH CARDS - NEW PROCEDURE FOR INITIAL APPLICATION

    CERN Multimedia

    Human Resources Division

    2002-01-01

    The Human Resources Division would like to remind members of personnel that they are obliged to submit an application form for a French card as soon as they have a permanent address in either Switzerland or in France and they are actually living there. Following the rationalization of our administrative procedures, as of October 1st, 2002, the initial application procedure for a French card will now be as follows: The member of personnel should complete an application form. If necessary, an application form must also be completed for family members. These forms must then be transferred via e-mail to the appropriate Divisional Administrative Officer (DAO) who will forward them to the Cards Service. In parallel, the member of personnel should submit the necessary supporting documents to the Cards Service. Users are requested to apply for a French card through the Users Office. The application form (Word format only), the procedural details, the necessary supporting documents as well as the conditions of issue a...

  1. A gigabit ethernet link source card.

    Energy Technology Data Exchange (ETDEWEB)

    Blair, R. E.; Dawson, J. W.; Drake, G.; Haberichter, W. N.; Schlereth, J. L.

    2002-09-18

    A Link Source Card (LSC) has been developed which employs Gigabit Ethernet as the physical medium. The LSC is implemented as a mezzanine card compliant with the S-Link specifications, and is intended for use in development of the Region of Interest Building (ROIB) in the Level 2 Trigger of ATLAS. The LSC will be used to bring Region of Internet Fragments from Level 1 Trigger elements to the ROIB, and to transfer compiled Region of Interest Records to Supervisor Processors. The card uses the LSI 8101/8104 Media Access Controller (MAC) [1] and the Agilent HDMP-1636 Transceiver. An Altera 10K50A FPGA [2] is configured to provide several state machines which perform all the tasks on the card, such as formulating the Ethernet header, read/write registers in the MAC, etc. An on-card static RAM provides storage for 512K S-Link words, and a FIFO provides 4K buffering of input S-Link words. The LSC has been tested in a setup where it transfers data to a NIC in the PCI bus of a PC.

  2. A gigabit ethernet link source card

    International Nuclear Information System (INIS)

    A Link Source Card (LSC) has been developed which employs Gigabit Ethernet as the physical medium. The LSC is implemented as a mezzanine card compliant with the S-Link specifications, and is intended for use in development of the Region of Interest Building (ROIB) in the Level 2 Trigger of ATLAS. The LSC will be used to bring Region of Internet Fragments from Level 1 Trigger elements to the ROIB, and to transfer compiled Region of Interest Records to Supervisor Processors. The card uses the LSI 8101/8104 Media Access Controller (MAC) [1] and the Agilent HDMP-1636 Transceiver. An Altera 10K50A FPGA [2] is configured to provide several state machines which perform all the tasks on the card, such as formulating the Ethernet header, read/write registers in the MAC, etc. An on-card static RAM provides storage for 512K S-Link words, and a FIFO provides 4K buffering of input S-Link words. The LSC has been tested in a setup where it transfers data to a NIC in the PCI bus of a PC

  3. Electronic Wallet and Access Control Solution Based on RFID MiFare Cards

    Directory of Open Access Journals (Sweden)

    Stefan Victor Lefter

    2013-03-01

    Full Text Available With the advent of Radio Frequency Identification technologies or RFID for short, different types of products and security-relevant applications have been developed for use in fields and businesses like: inventory management, product tracking, access control, passports or transport fare collection. Even though RFID has been around for quite some time, there are some types of businesses like theme parks, water parks or music festivals that haven’t yet tested the benefits that this technology brings. This paper focuses on presenting advantages and disadvantages of using an unified access control and electronic wallet system based on RFID cards like MiFare tags as an alternative to existing ticket/currency access and payment systems employed by the majority of the businesses mentioned above.

  4. Local practice and global data: loyalty cards, social practices, and consumer surveillance.

    Science.gov (United States)

    Zurawski, Nils

    2011-01-01

    Monitoring of consumers has become the most widespread mode of surveillance today. Being a multi-billion dollar business, the collected data are traded globally without much concern by the consumers themselves. Loyalty cards are an element with which such data are collected. Analyzing the role of loyalty cards in everyday practices such as shopping, I discuss how new modes of surveillance evolve and work and why they eventually make communication about data protection a difficult matter. Further, I will propose an alternative approach to the study of surveillance. This approach is concerned with local practices, focusing on subjective narratives in order to view surveillance as an integral part of culturally or socially manifested contexts and actions and not to view surveillance as something alien to society and human interaction. This will open up other possibilities to study modes of subjectivity or how individuals situate themselves within society. PMID:22175065

  5. The Effect of Customer Loyalty Programs on the Shopping Behavior in Retail : Loyalty Programs versus Loyalty Cards in the German Food Retail

    OpenAIRE

    Nikola Ziehe; Raina Stoll

    2011-01-01

    This empirical study will show how bonus programs, particularly loyalty programs and loyalty cards, have an impact on the purchasing behavior of consumers in the german food retail trade. The study was carried out by students of the Bachelor degree program in Business Administration from the University of Applied Sciences Duesseldorf. The study results are based on two study parts: firstly, there has been an oral survey of consumers in the food retail business. To study the effect of loyalty ...

  6. Authoring of digital games via card games

    DEFF Research Database (Denmark)

    Valente, Andrea; Marchetti, Emanuela

    2015-01-01

    Literature and previous studies show that creative play is easy to emerge when children interact with tangible, low-tech toys and games than with digital games. This paradoxical situation is linked to the long-standing problem of end-users (or players) authoring of digital contents and systems. We...... propose a new scenario in which trading card games help making sense and re-design computer games, to support players express themselves aesthetically and in a highly creative way. Our aim is to look for a middle ground between players becoming programmers and simply editing levels. The main contributions...... are to show how card games can represent digital games, how playful play can emerge in card games and digital games, and to begin defining a new way to express game behavior without the use of universal programming languages....

  7. RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

    Directory of Open Access Journals (Sweden)

    Eka Nugraha

    2015-07-01

    Full Text Available The use of credit cards for payment in lieu of cash since the introduction of the first credit card ever more widely known and used by people.   On the early introduction of this credit card, the wearer is limited to certain circles. However, a few decades later the credit card industry primarily enter the end of the Decade of the 1970s, has penetrated almost throughout all parts of the world, including Indonesia.   A credit card is issued by most commonly used by the public and apply the current International consists of a range of brands, among others, a very popular one is Visa and Master Card are each issued by the credit card company international and Master Card International.In practice many found the works in banking that may be subject to sanctions as set forth in the book of the law of criminal law (Criminal Code.

  8. Barber's Point, Oahu, Hawaii Drift Card Study 2002-2004

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Drift cards were be released from Barber's Point, Oahu, approximately once a month during the two year span to get an idea of the distribution of card drift under...

  9. Payment cards and money demand in Belgium

    OpenAIRE

    Rinaldi, Laura

    2001-01-01

    The aim of this paper is to analyse the impact of payment cards use on the amount of money in circulation in Belgium. In all developed countries the amout of notes and coins has decreased over the past years. Such tendency can be attributed to a slow, but continuous process of substitution of cash by other means of payment for everyday transactions. If the substitution was first due to a widespread used of cheques, more recently this was intensified by cards' diffusion. This claim is supporte...

  10. Graphics card as a cheap supercomputer

    Czech Academy of Sciences Publication Activity Database

    Přikryl, Jan

    Prague: Institute of Mathematics, Academy of Sciences of the Czech Republic, 2013 - (Chleboun, J.; Segeth, K.; Šístek, J.; Vejchodský, T.), s. 162-167 ISBN 978-80-85823-62-2. [Programy a algoritmy numerické matematiky /16./. Dolní Maxov (CZ), 03.06.2012-08.06.2012] R&D Projects: GA TA ČR TA01030603; GA MŠk(CZ) MEB091015 Keywords : GPU * graphics card * Matlab * Jacket * CUDA Subject RIV: JC - Computer Hardware ; Software http://library.utia.cas.cz/separaty/2013/AS/prikryl-graphics card as a cheap supercomputer.pdf

  11. FBCT fast intensity measurement using TRIC cards

    CERN Document Server

    Allica, J C; Belohrad, D; Jensen, L; Lenardon, F; SØby, L

    2015-01-01

    At the CERN PS complex, precise fast intensity measurements are very important in order to optimize the transfer efficiencies between the different accelerators. Over the last two years a complete renovation has been ongoing, where the old electronics, based on analogue integrators, have been replaced by a fully digital system enclosed in a single VME based card. This new system called TRIC (Transformer Integration Card) is based on a 12 bit, 212 MS/s ADC and an FPGA for the signal processing. Also located on the same board one finds a 250 V/1.5 W DCDC converter used to generate precise calibration pulses.

  12. Memory Forensics of a Java Card Dump

    OpenAIRE

    Lanet, Jean-Louis; Bouffard, Guillaume; Lamrani, Rokia; Chakra, Ranim; Mestiri, Afef; Monsif, Mohammed; Fandi, Abdellatif

    2014-01-01

    Nowadays several papers have shown the ability to dump the EEPROM area of several Java Cards leading to the disclosure of already loaded applet and data structure of the card. Such a reverse engineering process is costly and prone to errors. Currently there are no tools available to help the process. We propose here an approach to find in the raw data obtained after a dump, the area containing the code and the data. Then, once the code area has been identified, we propose to rebuilt the origi...

  13. Card controlled beta backscatter thickness measuring instrument

    International Nuclear Information System (INIS)

    An improved beta backscatter instrument for the nondestructive measurement of the thickness of thin coatings on a substrate is described. Included therein is the utilization of a bank of memory stored data representative of isotope, substrate, coating material and thickness range characteristics in association with a control card having predetermined indicia thereon selectively representative of a particular isotope, substrate material, coating material and thickness range for conditioning electronic circuit means by memory stored data selected in accord with the predetermined indicia on a control card for converting backscattered beta particle counts into indicia of coating thickness

  14. Catalog card production with a programmable terminal.

    Science.gov (United States)

    McTigue, E; Robinson, M E; Saver, B; Schultz, C K

    1977-01-01

    Application of a programmable terminal and printer to the cataloging task of a small medical library is described. The application is independent of a computer; the terminal is used in "local" mode only. Full sets of catalog cards are produced, following a single typing of descriptive cataloging data and tracings. Books can be cataloged the same day they are received. Actual cost per book is just over a dollar, for equipment rental, card stock, and the cataloger's time at the console, after call number, tracings, and main entry for the book have been determined. PMID:831883

  15. Welfare Analysis of Debit Card Interchange Fee Regulation

    OpenAIRE

    Sablik, Timothy; Wang, Zhu

    2013-01-01

    Merchants pay interchange fees to card issuers when they accept credit or debit cards as payment. Many merchants have complained that the fees far exceed issuers' costs for processing such transactions. In response to those complaints, Congress directed the Federal Reserve to impose a cap on debit card interchange fees. The cap lowered interchange fees for most merchants, but it yielded some unintended consequences. An analysis of the payment-card market suggests several factors to consider, ...

  16. The Use of Card Payment Instruments : A Panel Data Approach

    OpenAIRE

    Dagdemir, Canan; Sauer, Julia

    2015-01-01

    The rapid growth in the use of non-cash payment instruments, specifically debit and credit cards, has become a prominent feature of modern economies. With an interest in the explanation of this phenomenon and differences in use across countries, we apply a model of payment instrument use to model the relationship between the dependent variables (total volume of card transactions, debit card transactions, and credit card transactions) and the five independent variables based on income, infrast...

  17. The Impact of the Microchip on the Card Frauds

    OpenAIRE

    Ardizzi, Guerino

    2012-01-01

    The issue of frauds through payment cards has received a great deal of attention from authorities. A large share of card frauds can be ascribed to the phenomenon of counterfeiting of debit cards, widely used payment instrument in “face-to-face” transactions. With the advent of the Single Euro Payment Area, the European banking community has shared and almost reached the ambitious goal of replacing all the cards (and accepting terminals) with chip compatible ones, which are supposed to be hard...

  18. Card acceptance and surcharging: the role of costs and competition

    OpenAIRE

    2011-01-01

    The payment cards market is a two-sided market. Cost sensitivity of both consumers and merchants for card services influences total demand. Survey data of Dutch merchants shows that costs, and competition affect acceptance as well as surcharging decisions. Merchants who find payment cards expensive are less likely to accept them and more likely to surcharge their customers for using them. Merchants who face any competition accept debit card payments relatively more often than merchants with m...

  19. Application of smart cards in physical and information security systems

    International Nuclear Information System (INIS)

    Smart Cards, integrated circuits embedded into credit cards, have been proposed for many computer and physical security applications. The cards have shown promise in improving both the security and monitoring of systems ranging from computer network identification through physical protection and access control. With the increasing computational power embedded within these cards, advanced encryption techniques such as public key cryptography can now be realized, enabling more sophisticated uses

  20. Present-biased preferences and credit card borrowing

    OpenAIRE

    Meier, Stephan; Sprenger, Charles D.

    2009-01-01

    Some individuals borrow extensively on their credit cards. This paper tests whether present-biased time preferences correlate with credit card borrowing. In a field study, we elicit individual time preferences with incentivized choice experiments, and match resulting time preference measures to individual credit reports and annual tax returns. The results indicate that present-biased individuals are more likely to have credit card debt, and to have significantly higher amounts of credit card ...

  1. Cost sensitive credit card fraud detection using bayes minimum risk

    OpenAIRE

    Bahnsen, A. C.; Stojanovic, Aleksandar; Aouada, D.; Ottersten, Björn

    2013-01-01

    Credit card fraud is a growing problem that affects card holders around the world. Fraud detection has been an interesting topic in machine learning. Nevertheless, current state of the art credit card fraud detection algorithms miss to include the real costs of credit card fraud as a measure to evaluate algorithms. In this paper a new comparison measure that realistically represents the monetary gains and losses due to fraud detection is proposed. Moreover, using the proposed cost measure a c...

  2. Recent trends in the profitability of credit card banks

    OpenAIRE

    Andrea Meyercord

    1994-01-01

    Competition among credit card issuers has increased sharply over the past few years. Despite this trend, the profitability of credit card banks not only remains high relative to the rest of the banking industry but continues to grow. This article examines recent trends in credit card bank profitability and, by looking beyond the aggregate data, uncovers some important differences between credit card banks owned by bank holding companies and those owned by nonbank firms.

  3. Cooperation Among Competitors: The Economics of Credit Card Associations

    OpenAIRE

    Rochet, Jean-Charles; Tirole, Jean

    1999-01-01

    The paper analyzes two controversial features of the credit card industry. The first is the cooperative determination of the interchange fee by member banks in credit card associations (Visa and MasterCard). The interchange fee is the ``access charge'' paid by the merchants' banks, the acquirers, to cardholders' banks, the issuers. The second practice is the prohibition for merchants accepting a card from charging different prices depending on the payment method (the no-discrimination or no-c...

  4. Credit card fraud and detection techniques: a review

    OpenAIRE

    Delamaire, Linda; Abdou, Hussein; Pointon, John

    2009-01-01

    Fraud is one of the major ethical issues in the credit card industry. The main aims are, firstly, to identify the different types of credit card fraud, and, secondly, to review alternative techniques that have been used in fraud detection. The sub-aim is to present, compare and analyze recently published findings in credit card fraud detection. This article defines common terms in credit card fraud and highlights key statistics and figures in this field. Depending on the type of f...

  5. Sample Development on Java Smart-Card Electronic Wallet Application

    Directory of Open Access Journals (Sweden)

    Toma Cristian

    2009-12-01

    Full Text Available In this paper, are highlighted concepts as: complete Java card application, life cycle of an applet, and a practical electronic wallet sample implemented in Java card technology. As a practical approach it would be interesting building applets for ID, Driving License, Health-Insurance smart cards, for encrypt and digitally sign documents, for E-Commerce and for accessing critical resources in government and military field. The end of this article it is presented a java card electronic wallet application.

  6. Analysis of payment cards at selected Czech banks

    OpenAIRE

    Rybová, Lenka

    2012-01-01

    This thesis concerns with payment cards - one of the most popular banking instruments of the modern world. Theoretical part describes origin and history of payment cards, characteristics and usage. There is also a classification of payment cards according to several criteria and the brief description of technology background. In the practical part, there is an analysis of payment cards offered by two major Czech banks operating in the Czech Republic – Československá obchodní banka, a. s. and ...

  7. Effects of Spatial Distance and Paid Card on Price Promotions

    OpenAIRE

    Lei Dazhang; Ye Naiyi

    2015-01-01

    Paid card is an important mean of companies to maintain the customers and increase gain. It is applied extensively in retailing, fitness center, and by other service delivers. However, there is lack of studies focused on promotion mechanisms of paid card in the literature. In this paper, the promotion mechanisms of paid card based on the theories of mental accounting, construal level, and customer’s perceived value. The study has the results that the intention to purchase of paid card holders...

  8. Can demand elasticities explain sticky credit card rates?

    OpenAIRE

    Joanna Stavins

    1996-01-01

    Sticky interest rates on credit card plans have long been a mystery. One possible explanation is that banks maintain high rates because consumers' demand for credit card loans is inelastic. This study tests and rejects that hypothesis. Demand for credit card loans is found to be elastic with respect to interest rates charged, and the amount of delinquent loans is found to increase significantly more than total credit card loans when interest rates drop.> The results show that banks face an ad...

  9. Modelling Smart Card Security Protocols in SystemC TLM

    OpenAIRE

    Bushager, Aisha; Zwolinski, Mark

    2010-01-01

    Smart cards are an example of advanced chip technology. They allow information transfer between the card holder and the system over secure networks, but they contain sensitive data related to both the card holder and the system, that has to be kept private and confidential. The objective of this work is to create an executable model of a smart card system, including the security protocols and transactions, and to examine the strengths and determine the weaknesses by running tests on the model...

  10. A business case method for business models

    OpenAIRE

    Meertens, L.O.; Starreveld, E.; Iacob, M.E.; Nieuwenhuis, L.J.M.; Shishkov, Boris

    2013-01-01

    Intuitively, business cases and business models are closely connected. However, a thorough literature review revealed no research on the combination of them. Besides that, little is written on the evaluation of business models at all. This makes it difficult to compare different business model alternatives and choose the best one. In this article, we develop a business case method to objectively compare business models. It is an eight-step method, starting with business drivers and ending wit...

  11. A Ubiquitous NFC Solution for the Development of Tailored Marketing Strategies Based on Discount Vouchers and Loyalty Cards

    Directory of Open Access Journals (Sweden)

    Miguel Ángel Gómez-Nieto

    2013-05-01

    Full Text Available Because of the global economic turmoil, nowadays a lot of companies are adopting a “deal of the day” business model, some of them with great success. Generally, they try to attract and retain customers through discount coupons and gift cards, using, generally, traditional distribution media. This paper describes a framework, which integrates intelligent environments by using NFC, oriented to the full management of this kind of businesses. The system is responsible for diffusion, distribution, sourcing, validation, redemption and managing of vouchers, loyalty cards and all kind of mobile coupons using NFC, as well as QR codes. WingBonus can be fully adapted to the requirements of marketing campaigns, voucher providers, shop or retailer infrastructures and mobile devices and purchasing habits. Security of the voucher is granted by the system by synchronizing procedures using secure encriptation algorithms. The WingBonus website and mobile applications can be adapted to any requirement of the system actors.

  12. Small Business Innovations (Photodetector)

    Science.gov (United States)

    1991-01-01

    Epitaxx, Inc. of Princeton, NJ, developed the Epitaxx Near Infrared Room Temperature Indium-Gallium-Arsenide (InGaAs) Photodetector based on their Goddard Space Flight Center Small Business Innovation Research (SBIR) contract work to develop a linear detector array for satellite imaging applications using InGaAs alloys that didn't need to be cooled to (difficult and expensive) cryogenic temperatures. The photodetectors can be used for remote sensing, fiber optic and laser position-sensing applications.

  13. 76 FR 43477 - Debit Card Interchange Fees and Routing

    Science.gov (United States)

    2011-07-20

    ... July 20, 2011 Part III Federal Reserve System 12 CFR Part 235 Debit Card Interchange Fees and Routing... Regulations#0;#0; ] FEDERAL RESERVE SYSTEM 12 CFR Part 235 RIN 7100-AD 63 Debit Card Interchange Fees and... in Regulation II (Debit Card Interchange Fees and Routing) adopted in accordance with Section...

  14. Credit Cards and College Students: Who Pays, Who Benefits?

    Science.gov (United States)

    Munro, Jennifer; Hirt, Joan B.

    1998-01-01

    Survey of college students who managed credit cards wisely and those who did not (N=310), revealed that responsible users were more likely to have acquired credit cards before matriculating in college. Discusses implications for future personal-debt management and for institutions of higher education with regard to credit-card vendors. (EMK)

  15. Credit Card Attitudes and Behaviors of College Students

    Science.gov (United States)

    Joo, S.-H.; Grable, J. E.; Bagwell, D. C.

    2005-01-01

    At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid…

  16. 76 FR 76628 - Disclosure of Certain Credit Card Complaint Data

    Science.gov (United States)

    2011-12-08

    ... PROTECTION 12 CFR Chapter X Disclosure of Certain Credit Card Complaint Data AGENCY: Bureau of Consumer... statement (the ``Policy Statement'') that addresses the CFPB's proactive disclosure of credit card complaint data. The CFPB receives credit card complaints from consumers under the terms of the Consumer...

  17. Crib Card Use During Tests: Helpful or a Crutch?

    Science.gov (United States)

    Funk, Steven C.; Dickson, K. Laurie

    2011-01-01

    The authors experimentally investigated the effect of crib cards on exam performance and student learning. Fifty-one students expected to use their prepared crib cards during an exam. However, they first completed an unexpected pretest without their crib card. Students performed significantly worse on the pretest than on identical questions when…

  18. 19 CFR 112.42 - Application for identification card.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Application for identification card. 112.42 Section 112.42 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY; DEPARTMENT OF THE TREASURY CARRIERS, CARTMEN, AND LIGHTERMEN Identification Cards § 112.42 Application for identification card. An application for...

  19. Precautionary Borrowing and the Credit Card Debt Puzzle

    DEFF Research Database (Denmark)

    Druedahl, Jeppe; Jørgensen, Casper Nordal

    2015-01-01

    This paper addresses the credit card debt puzzle using a generalization of the buffer-stock consumption model with long-term revolving debt contracts. Closely resembling actual US credit card law, we assume that card issuers can always deny their cardholders access to new debt, but that they cannot...

  20. 22 CFR 50.9 - Card of identity.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Card of identity. 50.9 Section 50.9 Foreign... of United States Nationality of a Person Abroad § 50.9 Card of identity. When authorized by the Department, consular offices or designated nationality examiners may issue a card of identity for travel...

  1. Business valuation

    OpenAIRE

    Jinoch, Pavel

    2013-01-01

    The subject of this thesis is based on the selected method of determining the value of the company Bohemia lázně a.s. The theoretical part of this work defines the value of the company, the reasons for the valuation and the procedures used in business valuation. Moreover this work provides an overview of the different methods. Most attention is aimed at earning methods that are currently being used the most. The experimental part contains the characteristics of the object of business, organiz...

  2. Family business

    OpenAIRE

    KLUZÁKOVÁ, Lucie

    2012-01-01

    This thesis focuses on family business companies and above all on their problem of succession planning. For the purposes of this work, I have chosen a family business company that is owned by two shareholders. Both shareholders are going to leave the company within next 5 to 10 years. The thesis deals with the succession plan of both shareholders and this concerning the rate of preparedness as well as the rate of coordination of both plans. Prior to the research, two hypotheses were fixed. Th...

  3. Examine the Effectiveness of Marketing Strategies in Improving Credit Card Adoption: An Empirical Study in Klang Valley

    OpenAIRE

    Foo, Yong Sin

    2007-01-01

    In view of the globalization, Malaysia is opening parts of its services to greater foreign participation. Local banks have gone one round of consolidations and foreign banks expanding its business in local market have made the competition more intense. As the competition rapidly increases, credit card adoption is getting more challenging to marketers, hence effective marketing strategies are important. The theoretical model of the thesis is based on the model of buyer behavior by Kotler and A...

  4. Business Metaphors in a Bilingual Business Lexicon*

    Directory of Open Access Journals (Sweden)

    Li Lan

    2011-10-01

    Full Text Available

    Abstract: General purpose dictionaries benefit users at large in many ways, but the definitions and examples might not satisfy the diverse needs of different professional users. This is especially true of metaphors. The article discusses the treatment of business metaphors in the PolyU Business Lexicon derived from the trilingual PolyU Business Corpus (PUBC. During the process the concordances are grouped by senses, and then separated according to their literal and metaphorical meanings, which in turn lead to the decisions of sense order, word meaning and translation equivalents. Since different cultures have different 'bags' of metaphors, and metaphorical meanings also vary in different registers, the focus is primarily on the differences between Chinese and English in terms of culture, psychology, language and how such differences can be translated and presented in a corpus-based business lexicon with a minimum loss of their original connotations. Cultural transformations, such as direct translation, image substitution, explanatory notes and abandonment of the figure of speech, are suggested to bridge interlanguage metaphorical gaps.

    Keywords: METAPHOR, DEFINITION, TRANSLATION, CULTURAL DIFFERENCE

    Opsomming: Sakemetafore in 'n tweetalige sakewoordeboek. Woordeboeke vir algemene doeleindes bevoordeel gewone gebruikers op baie maniere, maar die definisies en voorbeelde mag dalk nie die uiteenlopende behoeftes van verskillende professionele gebruikers bevredig nie. Dit is veral waar van metafore. Die artikel bespreek die behandeling van sakemetafore in die PolyU Business Lexicon gebaseer op die drietalige PolyU Business Corpus (PUBC. Gedurende die proses word die konkordansies deur betekenisse gegroepeer, en dan geskei volgens hul letterlike en metaforiese betekenisse, wat vervolgens lei tot die besluite oor betekenisorde, woordbetekenis, en vertaalsekwivalente. Aangesien verskillende kulture verskillende "sakke" metafore het, en

  5. Artist Trading Cards: Connecting with Other Communities

    Science.gov (United States)

    Bovio, Deborah

    2011-01-01

    Creating and exchanging Artist Trading Cards (ATCs) has been a rapidly growing trend. These miniature works of art are fun to make--and even more fun to share. The intrigue of developing these handmade treasures begins with the intent of creating art simply for the love of art. In this article, the author describes how her students made their…

  6. Dealing with Student Credit Card Debt.

    Science.gov (United States)

    Stanford, William E.

    1999-01-01

    Discusses the danger of college students accumulating a level of credit card debt that can seriously undermine their future lives. Offers 10 suggestions for colleges including controlling solicitations, offering workshops to freshmen, adding credit information to the campus Web site, communicating with the senior class, and discouraging or…

  7. Insuficiencia cardíaca y diabetes

    Directory of Open Access Journals (Sweden)

    Jorge Thierer

    2006-01-01

    Full Text Available La prevalencia de la insuficiencia cardíaca y la diabetes continúa creciendo. Ambas están fuertemente asociadas. La diabetes es un fuerte predictor de aparición de insuficiencia cardíaca. Las razones son la presencia de enfermedad coronaria y los trastornos metabólicos vinculados con la resistencia a la insulina que generan disfunción contráctil. Los pacientes con insuficiencia cardíaca que son diabéticos tienen peor evolución. Los Betabloqueantes, vasodilatadores y los inhibidores de la enzima convertidora ejercen una influencia favorable, en tanto que el uso de glitazonas todavía es controversial. La insuficiencia cardíaca puede a su vez generar diabetes, debido a la activación del sistema nervioso simpático y al efecto del tratamiento. La comprensión adecuada de estos hechos es fundamental para tomar decisiones correctas y mejorar la suerte de los pacientes.

  8. Repeated extraction of DNA from FTA cards

    DEFF Research Database (Denmark)

    Stangegaard, Michael; Ferrero, Laura; Børsting, Claus;

    2011-01-01

    Extraction of DNA using magnetic bead based techniques on automated DNA extraction instruments provides a fast, reliable and reproducible method for DNA extraction from various matrices. However, the yield of extracted DNA from FTA-cards is typically low. Here, we demonstrate that it is possible...

  9. Inexpensive Data Acquisition with a Sound Card

    Science.gov (United States)

    Hassan, Umer; Pervaiz, Saad; Anwar, Muhammad Sabieh

    2011-01-01

    Signal generators, oscilloscopes, and data acquisition (DAQ) systems are standard components of the modern experimental physics laboratory. The sound card, a built-in component in the ubiquitous personal computer, can be utilized for all three of these tasks and offers an attractive option for labs in developing countries such as…

  10. Melting Metal on a Playing Card

    Science.gov (United States)

    Greenslade, Thomas B., Jr.

    2016-01-01

    Many of us are familiar with the demonstration of boiling water in a paper cup held over a candle or a Bunsen burner; the ignition temperature of paper is above the temperature of 100°C at which water boils under standard conditions. A more dramatic demonstration is melting tin held in a playing card. This illustration is from Tissandier's book on…

  11. Integration through a Card-Sort Activity

    Science.gov (United States)

    Green, Kris; Ricca, Bernard P.

    2015-01-01

    Learning to compute integrals via the various techniques of integration (e.g., integration by parts, partial fractions, etc.) is difficult for many students. Here, we look at how students in a college level Calculus II course develop the ability to categorize integrals and the difficulties they encounter using a card sort-resort activity. Analysis…

  12. Looking at Debit and Credit Card Fraud

    Science.gov (United States)

    Porkess, Roger; Mason, Stephen

    2012-01-01

    This article, written jointly by a mathematician and a barrister, looks at some of the statistical issues raised by court cases based on fraud involving chip and PIN cards. It provides examples and insights that statistics teachers should find helpful. (Contains 4 tables and 1 figure.)

  13. The Nation's Report Card: Mathematics Highlights, 2003.

    Science.gov (United States)

    National Center for Education Statistics (ED), Washington, DC.

    This issue of The Nation's Report Card highlights mathematics in 2003. It includes sections on Average Scale Scores, Students Reaching NAEP Achievement Levels, Percentile Results, 2003 Assessment Design, State Results, Subgroup Results, Sample Mathematics Questions, Technical Notes, Additional Data Tables, and NAEP on the Web. (AMT)

  14. Optical security features for plastic card documents

    Science.gov (United States)

    Hossick Schott, Joachim

    1998-04-01

    Print-on-demand is currently a major trend in the production of paper based documents. This fully digital production philosophy will likely have ramifications also for the secure identification document market. Here, plastic cards increasingly replace traditionally paper based security sensitive documents such as drivers licenses and passports. The information content of plastic cards can be made highly secure by using chip cards. However, printed and other optical security features will continue to play an important role, both for machine readable and visual inspection. Therefore, on-demand high resolution print technologies, laser engraving, luminescent pigments and laminated features such as holograms, kinegrams or phase gratings will have to be considered for the production of secure identification documents. Very important are also basic optical, surface and material durability properties of the laminates as well as the strength and nature of the adhesion between the layers. This presentation will address some of the specific problems encountered when optical security features such as high resolution printing and laser engraving are to be integrated in the on-demand production of secure plastic card identification documents.

  15. OPERATIONAL RISK IN BANKING – CARD FRAUD

    OpenAIRE

    Ioan TRENCA; Daniela BOJAN

    2009-01-01

    During the last years the problem of card fraud expanded dramatically due to the growth of numbers of users, the increase number of ATM or POS transaction, internet or mobile payments. Together with this, the criminals become more sophisticated and the impact of losses generated by their actions is now considered a world problem.

  16. BIG DATA IN BUSINESS ENVIRONMENT

    OpenAIRE

    Logica BANICA; Alina HAGIU

    2015-01-01

    In recent years, dealing with a lot of data originating from social media sites and mobile communications among data from business environments and institutions, lead to the definition of a new concept, known as Big Data. The economic impact of the sheer amount of data produced in a last two years has increased rapidly. It is necessary to aggregate all types of data (structured and unstructured) in order to improve current transactions, to develop new business models, to provide a real image ...

  17. Small Business Development Center

    Data.gov (United States)

    Small Business Administration — Small Business Development Centers (SBDCs) provide assistance to small businesses and aspiring entrepreneurs throughout the United States and its territories. SBDCs...

  18. Small Business Size Standards

    Data.gov (United States)

    Small Business Administration — Certain government programs, such as SBA loan programs and contracting opportunities, are reserved for small business concerns. In order to qualify, businesses must...

  19. Business Anthropology

    DEFF Research Database (Denmark)

    Moeran, Brian

    2015-01-01

    This essay outlines the overall scope and location of business anthropology within the overall field of the discipline. It outlines its foundations as an applied form of anthropology in early developments in the United States (in particular, in Western Electric's Hawthorne Project and the Human...

  20. Unfinished Business

    Science.gov (United States)

    Tuckett, Alan

    2011-01-01

    Adult learning is not a tidy business: adults fit learning into the spaces left by the other demands on complex lives, and into the spaces left in administrative structures overwhelmingly designed for other people. No simple metric can capture adults' diverse purposes and achievements, and no single programme can capture the full range of things…

  1. Business link

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    Baotou Hongbo technology Co.,Ltd was registered in Baotou Rare Earth High-Tech Development Zone in 2008.The company is integrated with scientific research and development,production and trade business.Main products include individual and mixed light rare earth salts,oxides and metals,phosphors and so on.

  2. Business Leksikon

    DEFF Research Database (Denmark)

    Nielsen, Sandro

    2002-01-01

    This review article deals with a specialised dictionary recently introduced to the Danish market. It covers traditional business subjects and is designed for semi-experts and laypeople. Through Danish definitions and English, French and German equivalents, it aims at fulfilling the functions text...

  3. Business Blooming

    Institute of Scientific and Technical Information of China (English)

    MARK GRAHAM

    2008-01-01

    @@ Florist Sebastien Lathuile was in no doubt of the business potential in Shanghai from the moment he arrived on a personal visit, some five years ago. The Frenchman returned immediately home to London,where he had been working,put his flat on the market, and began making plans to set up in the east-coast city.

  4. Business environment

    Czech Academy of Sciences Publication Activity Database

    Dušek, Libor; Fungáčová, Zuzana; Hakobyan, Anush; Hanousek, Jan; Ortmann, Andreas; Semerák, V.; Sklenář, P.; Svítková, Katarína; Vychodil, Ondřej; Wertlen, B.; Zemčík, Petr

    Prague : Charles University in Prague, 2005, s. 33-45. ISBN 80-7343-058-4 Institutional research plan: CEZ:AV0Z70850503 Keywords : Czech Republic * business environment Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/books/CR2005.pdf

  5. Business Intelligence

    OpenAIRE

    Strejčková, Lucie

    2001-01-01

    Cílem této bakalářské práce je seznámení s Business Intelligence a zpracování vývojového trendu, který ovlivňuje podobu řešení Business Intelligence v podniku ? Business Activity Monitoring. Pro zpracování tohoto tématu byla použita metoda studia odborných pramenů, a to jak v českém, tak v anglickém jazyce. Hlavním přínosem práce je ucelený, v českém jazyce zpracovaný materiál pojednávající o Business Activity Monitoring. Práce je rozdělena do šesti hlavních kapitol. Prvních pět je věnováno p...

  6. Business History

    DEFF Research Database (Denmark)

    Hansen, Per H.

    2012-01-01

    This article argues that a cultural and narrative perspective can enrich the business history field, encourage new and different questions and answers, and provide new ways of thinking about methods and empirical material. It discusses what culture is and how it relates to narratives. Taking...

  7. Toward a theory of merchant credit card acceptance

    OpenAIRE

    Sujit Chakravorti; Ted To

    1999-01-01

    In this article, we construct a two-period model to investigate what market conditions would support a credit card equilibrium given two commonly observed credit card pricing conventions consumers rarely are charged higher prices for using their credit cards and if they payoff their credit card obligations every month, they enjoy interest-free short-term credit. The results of the model indicate that when the card issuer's cost of funds is not too high and the merchant's profit margin is suff...

  8. RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

    OpenAIRE

    Eka Nugraha; Sykri Akub; Badriyah Rifai; Martehen Arie

    2015-01-01

    The use of credit cards for payment in lieu of cash since the introduction of the first credit card ever more widely known and used by people.   On the early introduction of this credit card, the wearer is limited to certain circles. However, a few decades later the credit card industry primarily enter the end of the Decade of the 1970s, has penetrated almost throughout all parts of the world, including Indonesia.   A credit card is issued by most commonly used by the public and apply the cur...

  9. A Comparison of Card-sorting Analysis Methods

    DEFF Research Database (Denmark)

    Nawaz, Ather

    2012-01-01

    This study investigates how the choice of analysis method for card sorting studies affects the suggested information structure for websites. In the card sorting technique, a variety of methods are used to analyse the resulting data. The analysis of card sorting data helps user experience (UX...... the recurrent patterns found and thus has consequences for the resulting website design. This paper draws an attention to the choice of card sorting analysis and techniques and shows how it impacts the results. The research focuses on how the same data for card sorting can lead to different website structures...

  10. Magnetic Resonance Imaging (MRI) -- Head

    Medline Plus

    Full Text Available ... exam room. These items include: jewelry, watches, credit cards and hearing aids, all of which can be ... metallic object sometimes makes it difficult to obtain clear images. Patient movement can have the same effect. ...

  11. RISK MANAGEMENT AND PREVENTION OF FRAUD IN CARD TRANSACTIONS

    Directory of Open Access Journals (Sweden)

    CODRUTA DANIELA PAVEL

    2012-05-01

    Full Text Available Credit institutions issuing and accepting cards have responsibility for identifying, evaluating and mitigation fraud and activities with potentially risk. Risk management is necessary to avoid losses that may occur both directly through fraud and indirectly through loss of customer confidence regarding safety card operations. The risk management in cards activities aims to identifying those events which by their appearance would produce adverse effects on the activity, possible generating financial loss and find solutions to avoid them and reduce their effect.Credit card fraud refers to any situation where a person deliberately uses: card obtained through illegal methods, a counterfeit card, a valid card code, in order to obtain cash, goods or undue services.

  12. Synchronizing Business & Systems with Business Objects

    OpenAIRE

    Saha, Pallab; Srinivasan, R.

    2001-01-01

    More and more businesses are becoming highly dependent on their information systems (IS) to operate and manage themselves. This necessitates a formal methodology to express business concepts, business processes and events that both business managers and IS professionals can understand and communicate with. The result of this understanding can be quick correction of business systems and operations that are more efficient. This paper introduces the concepts and uses of business objects and outl...

  13. BUSINESS ECOSYSTEMS VS BUSINESS DIGITAL ECOSYSTEMS

    OpenAIRE

    Marinela Lazarica

    2006-01-01

    E-business is often described as the small organisations’ gateway to global business and markets. The adoption of Internet-based technologies for e-business is a continuous process, with sequential steps of evolution. The latter step in the adoption of Internet-based technologies for business, where the business services and the software components are supported by a pervasive software environment, which shows an evolutionary and self-organising behaviour are named digital business ecosyste...

  14. BUSINESS ECOSYSTEMS VS BUSINESS DIGITAL ECOSYSTEMS

    Directory of Open Access Journals (Sweden)

    Marinela Lazarica

    2006-05-01

    Full Text Available E-business is often described as the small organisations’ gateway to global business and markets. The adoption of Internet-based technologies for e-business is a continuous process, with sequential steps of evolution. The latter step in the adoption of Internet-based technologies for business, where the business services and the software components are supported by a pervasive software environment, which shows an evolutionary and self-organising behaviour are named digital business ecosystems. The digital business ecosystems are characterized by intelligent software components and services, knowledge transfer, interactive training frameworks and integration of business processes and e-government models.

  15. Photovoltaic business

    OpenAIRE

    Štefan, Petr

    2011-01-01

    The work is focused on business photovoltaic performance as one of the alternative sources of electrical power. Theoretical part was created by quoting work up documents. Literature search was divided into several parts. The first part revolves around the solar radiation and its advantages and disadvantages. In the second part is speaking about the variations of using solar energy from heating the water to generate electric energy. It also deals with photovoltaic power plants in the world and...

  16. Social Business

    OpenAIRE

    Maria Cristina ENACHE

    2015-01-01

    The field of social business is growing rapidly and attracting increased attention from many sectors. The term itself shows up frequently in the media, is referenced by public officials, have become common on universities. The reasons behind the popularity of social entrepreneurship are many. On the most basic level, there’s something inherently interesting and appealing about entrepreneurs and the stories of why and how they do what they do. The interest in social entrepreneurship transcends...

  17. Business Leksikon

    OpenAIRE

    Nielsen, Sandro

    2002-01-01

    This review article deals with a specialised dictionary recently introduced to the Danish market. It covers traditional business subjects and is designed for semi-experts and laypeople. Through Danish definitions and English, French and German equivalents, it aims at fulfilling the functions text reception, text production, translation and knowledge acquisition. The main aspects addressed are presentation of lemmata, structure and presentation of definitions, grammatical information and diasy...

  18. What's a business for?

    Science.gov (United States)

    Handy, Charles

    2002-12-01

    In the wake of the recent corporate scandals, it's time to reconsider the assumptions underlying American-style stock-market capitalism. That heady doctrine--in which the market is king, success is measured in terms of shareholder value, and profits are an end in themselves--enraptured America for a generation, spread to Britain during the 1980s, and recently began to gain acceptance in Continental Europe. But now, many wonder if the American model is corrupt. The American scandals are not just a matter of dubious personal ethics or of rogue companies fudging the odd billion. And the cure for the problems will not come solely from tougher regulations. We must also ask more fundamental questions: Whom and what is a business for? And are traditional ownership and governance structures suited to the knowledge economy? According to corporate law, a company's financiers are its owners, and employees are treated as property and recorded as costs. But while that may have been true in the early days of industry, it does not reflect today's reality. Now a company's assets are increasingly found in the employees who contribute their time and talents rather than in the stockholders who temporarily contribute their money. The language and measures of business must be reversed. In a knowledge economy, a good business is a community with a purpose, not a piece of property. If, like many European companies, a business considers itself a wealth-creating community consisting of members who have certain rights, those members will be more likely to treat one another as valued partners and take responsibility for telling the truth. Such a community can also help repair the image of business by insisting that its purpose is not just to make a profit but to make a profit in order to do something better. PMID:12510537

  19. Images

    Data.gov (United States)

    National Aeronautics and Space Administration — Images for the website main pages and all configurations. The upload and access points for the other images are: Website Template RSW images BSCW Images HIRENASD...

  20. Calling Card Analysis in Budding Yeast.

    Science.gov (United States)

    Mayhew, David; Mitra, Robi D

    2016-02-01

    Calling card analysis is a high-throughput method for identifying the genomic binding sites of multiple transcription factors in a single experiment in budding yeast. By tagging a DNA-binding protein with a targeting domain that directs the insertion of the Ty5 retrotransposon, the genomic binding sites for that transcription factor are marked. The transposition locations are then identified en masse by Illumina sequencing. The calling card protocol allows for simultaneous analysis of multiple transcription factors. By cloning barcodes into the Ty5 transposon, it is possible to pair a unique barcode with every transcription factor in the experiment. The method presented here uses expression of transcription factors from their native loci; however, it can also be altered to measure binding sites of transcription factors overexpressed from a plasmid. PMID:26832687

  1. SISTEM PENCATATAN KEHADIRAN BERBASIS JAVA CARD

    Directory of Open Access Journals (Sweden)

    Lidya Octarina

    2010-11-01

    Full Text Available The purposes of this research are to prevent jockey in exams, reduce the occurrence of error in attendance record at practicum or exams, and reduce error in filling students' attendance status to the attendance system. Three main parts of software development method are used; analysis, design, and literature method. Current system survey, analysis of the survey findings, identify the information, and identifying system requirements are implemented in analysis method. The design method that is used in this research is Unified Modeling Language (UML. The using of attendance recording system that uses Java Card-based application makes students identity card has a new function as the tool to make attendance. Conclusion of the research has shown that it can prevent identity fraud, minimize the time wasted in attendance system, reduce the printing paper, and reduce tagging errors eligibility status exam of students.

  2. Enhancing Privacy for Biometric Identification Cards

    CERN Document Server

    Balanoiu, Paul

    2010-01-01

    Most developed countries have started the implementation of biometric electronic identification cards, especially passports. The European Union and the United States of America struggle to introduce and standardize these electronic documents. Due to the personal nature of the biometric elements used for the generation of these cards, privacy issues were raised on both sides of the Atlantic Ocean, leading to civilian protests and concerns. The lack of transparency from the public authorities responsible with the implementation of such identification systems, and the poor technological approaches chosen by these authorities, are the main reasons for the negative popularity of the new identification methods. The following article shows an approach that provides all the benefits of modern technological advances in the fields of biometrics and cryptography, without sacrificing the privacy of those that will be the beneficiaries of the new system.

  3. Re-thinking Enrolment in Identity Card Schemes

    Directory of Open Access Journals (Sweden)

    Dr. Ali M. Al-Khouri

    2011-02-01

    Full Text Available Many countries around the world have initiated national ID card programs in the last decade. These programs are considered of strategic value to governments due to its contribution in enhancing existing identity management systems. Considering the total cost of such programs which goes up to billions of dollars, the success in attaining their objectives is a crucial element in the agendas of political systems in countries worldwide. Our experience in the field shows that many of such projects have been challenged to deliver theirprimary objectives of population enrolment, and therefore resulted in failing to meet deadlines and keeping up with budgetary constraints.The purpose of this paper is to explain the finding of a case study action research aimed to introduce a new approach to how population are enrolled in national ID programs. This is achieved through presenting a case study of a business process reengineering initiative undertaken in the UAE national ID program. The scope of this research is limited to the enrolment process within the program. This article also intends to explore the possibilities of significant results with the new proposed enrolment approach with the application of BPR. An overview of the ROI study has been developed to illustrate such efficiencies.

  4. Implement Security using smart card on Cloud

    Directory of Open Access Journals (Sweden)

    Amish Kumar Aman

    2013-04-01

    Full Text Available Cloud is a concept of accessing the data from theirown datacenters such that the chances ofeavesdropping have been reduced and storage costis reduced. Here in this paper we are giving a briefsurvey of various cloud based techniqueimplemented so far. Although there are varioustechniques implemented so far for the cloudcomputing but here we are giving a survey of notonly cloud based techniques but also the concept ofsmart cards for the authentication between onecloud to another cloud.

  5. MCNP6 Fission Multiplicity with FMULT Card

    Energy Technology Data Exchange (ETDEWEB)

    Wilcox, Trevor [Los Alamos National Laboratory; Fensin, Michael Lorne [Los Alamos National Laboratory; Hendricks, John S. [Los Alamos National Laboratory; James, Michael R. [Los Alamos National Laboratory; McKinney, Gregg W. [Los Alamos National Laboratory

    2012-06-18

    With the merger of MCNPX and MCNP5 into MCNP6, MCNP6 now provides all the capabilities of both codes allowing the user to access all the fission multiplicity data sets. Detailed in this paper is: (1) the new FMULT card capabilities for accessing these different data sets; (2) benchmark calculations, as compared to experiment, detailing the results of selecting these separate data sets for thermal neutron induced fission on U-235.

  6. Platform Pricing at Sports Card Conventions

    OpenAIRE

    Marc Rysman; Ginger Zhe Jin

    2012-01-01

    We study a new data set of US sports card conventions in order to evaluate the pricing theory of two-sided markets. Conventions are two-sided because organizers must set fees to attract both consumers and dealers. We have detailed information on consumer price, dealer price and, since most conventions are local, the market structure for conventions. We present several findings: first, consumer pricing decreases with competition at any reasonable distance, but pricing to dealers is insensitive...

  7. Repeated extraction of DNA from FTA cards

    OpenAIRE

    Stangegaard, Michael; Ferrero, Laura; Børsting, Claus; Frank-Hansen, Rune; Hansen, Anders Johannes; Morling, Niels

    2011-01-01

    Extraction of DNA using magnetic bead based techniques on automated DNA extraction instruments provides a fast, reliable and reproducible method for DNA extraction from various matrices. However, the yield of extracted DNA from FTA-cards is typically low. Here, we demonstrate that it is possible to repeatedly extract DNA from the processed FTA-disk. The method increases the yield from the nanogram range to the microgram range.

  8. Microprocessor Card for Cuban Series polarimeters Laserpol

    International Nuclear Information System (INIS)

    We present the design consists of a card based on a micro-processor 8-bit adds new software components and their basic living, which allow to deliver new services and expand the possibilities for use in other applications of the polarimeter LASERPOL series, as the polarimetric detection. Given the limitations of the original card it was necessary to introduce a series of changes that would allow to address new user requirements, and expand the possible applications of the instruments. This was done the expansion of the capacity of the EPROM and RAM memory, the decoder circuit was implemented memory map using a programmable integrated circuit, and introduced a real time clock with nonvolatile RAM, these features are exploited to the introduction of new features such as the realization of the polarimeter calibration by the user from a sample pattern or a calibration pattern used as a reference, and the incorporation of the time and date to the reports of measurements required industry for quality control processes. Card that is achieved along with the rest of the components is compatible with polarimeters LASERPOL 101M Series, 3M and LP4, pin to pin, which facilitates their incorporation into the polarimeters in operation in the industry 'in situ' replacement cards from previous models, allowing to extend the possibilities of statistical processing, precision and accuracy of the instruments. Improved measurements in the industry, resulting in significant savings by elimination of losses in production and raw materials. The improved response speed of reading the polarimeters LASERPOL Use and polarimetric detectors. (Author)

  9. Credit card securitization and regulatory arbitrage

    OpenAIRE

    Charles W. Calomiris; Joseph R. Mason

    2003-01-01

    This paper explores the motivations and desirability of off-balance-sheet financing of credit card receivables by banks. We explore three related issues: the degree to which securitizations result in the transfer of risk out of the originating bank, the extent to which securitization permits banks to economize on capital by avoiding regulatory minimum capital requirements, and whether banks' avoidance of minimum capital regulation through securitization with implicit recourse has been undesir...

  10. Card, Internet and mobile payments in Finland

    OpenAIRE

    Jyrkönen, Hanna; Paunonen, Heli

    2004-01-01

    Retail payment methods are in a stage of rapid development. New service providers and technological developments enable new payment services through a variety of channels. Payment solutions are being developed based eg on the Internet and on mobile phones. Presumably, the use of paper-based payment instruments will decrease further in the future thanks to electronification in the retail payment area. In this paper we focus on card payments in Finland and certain other countries. We also look ...

  11. The ProCard mobile banking system

    OpenAIRE

    Traian SURCEL; Felician ALECU

    2007-01-01

    The mobile banking involves the use of some mobile telecommunication devices (such phones or PDAs - Personal Digital Assistants) in order to complete, in a secure manner, banking transactions (like payments, transfers, account information and so on). It doesn't matter where the user is physically located. Also, the hour when the services are requested is not important anymore, because, thanks to the internet banking, the offices are virtually opened 24 hours per day. The ProCard system repres...

  12. SMART CARDS - UTILITY, APPLICATIONS AND VULNERABILITIES

    OpenAIRE

    Ana Maria Mihaela Tudorache; Mihai Tiberiu Iordache

    2009-01-01

    The Internet has taken its place beside the telephone and television as an important part of people’s lives. Consumers use the Internet to shop, bank and invest online. Most consumers use credit or debit cards to pay for online purchases, but other payment methods, like “e-wallets,” are becoming more common. But not all the payments are safe there are a lot of fake sites, hackers, viruses.

  13. Memory of Quark Matter Card Game

    CERN Document Server

    Csörgő, J; Csörgő, T

    2013-01-01

    Scientists at the Relativistic Heavy Ion Collider (RHIC, BNL) recently discovered, that the hottest known form of matter is not a gas, but acts like a fluid. Furthermore, this fluid of quarks expands and flows much more perfectly than water or any other well known fluid. This aspect of the RHIC discovery can be introduced even to primary levels of physics education, noting that the usual solid to liquid to gas sequence of phase transitions now are known to be followed by a transition to a nearly perfect fluid, a liquid of quarks, at the largest temperatures made by humans. The educational games described herein were invented by middle school students, members of a Science Club in Hungary. The games were invented for their entertainment, the educational applications in teaching high energy particle and nuclear physics to laypersons are quite unexpected but most welcomed. This manuscript describes games with a deck of cards called Quark Matter cards, where each card represents an elementary particle. The games ...

  14. One smart card, one less car

    Energy Technology Data Exchange (ETDEWEB)

    Fenton, B.

    2003-06-30

    A system of car-sharing in Bremen, Germany, a membership-based structure of car-sharing that gives members access to a network of cars stationed throughout the city on a pay-per-trip basis, and without the hassles of car ownership, is discussed. The car-sharing scheme is combined with the city's transit system by means of a smart card that serves both as a pass for the city's transit system and as an electronic key to the cars in the car-sharing system. Future plans include to use the card also as a method of payment for taxis, and organizers are also working with the municipal government to get support for having car-sharing included in the city's official plan. At present, car-sharing stations are simply reserved parking spots for one or more cars, however, future stations are envisaged to include parking for up to five cars, a computer to book cars, direct access to keys using the smart card, parking for bicycles, and information about car-sharing stations, bus, trams, as well as bike and walking routes. Similar, if somewhat more modest, car-sharing schemes are also available in several cities in Canada, including Halifax, Quebec City, Montreal, Toronto, Calgary, Edmonton and Vancouver.

  15. Marketing planning and digital customer loyalty data in small business

    OpenAIRE

    Donnelly, Christina; Simmons, Geoff; Armstrong, Gillian; Fearne, Andrew

    2012-01-01

    Purpose – Retailer loyalty card marketing intelligence presents actual customer purchasing preferences, competitor activities and performance. Typically, extant literature implies that larger firms with formal marketing planning approaches will be more able to leverage it, structured as it is within a formalized statistical format. Small business literature on the other hand emphasizes their more informal approach to marketing planning. The purpose of this paper is to consider, for the first ...

  16. Business modelling agility: Turning ideas into business

    NARCIS (Netherlands)

    Heikkila, J.; Heikkila, M.; Bouwman, W.A.G.A.

    2015-01-01

    Business Model Innovation is attracting more and more attention from business as well as from academics. Business Model Innovation deals with both technological and knowledge related changes that either may disrupt or sustain existing product/market strategies. Timing of Business Model Innovation bo

  17. A business case method for business models

    NARCIS (Netherlands)

    Meertens, L.O.; Starreveld, E.; Iacob, M.E.; Nieuwenhuis, L.J.M.; Shishkov, Boris

    2013-01-01

    Intuitively, business cases and business models are closely connected. However, a thorough literature review revealed no research on the combination of them. Besides that, little is written on the evaluation of business models at all. This makes it difficult to compare different business model alter

  18. Business-to-business electronic commerce

    OpenAIRE

    John Wenninger

    1999-01-01

    To improve efficiency, some large retailers, suppliers, and distributors have begun to conduct business-to-business commerce electronically. This practice could grow rapidly if the Internet becomes the primary low-cost network for such transactions. Before the Internet can fully support business-to-business commerce, however, companies must overcome several technological and security obstacles.

  19. CO-Branding Sinergetic Effects for Development of Payment Cards

    OpenAIRE

    Hrvoje Serdarusic; Mladen Pancic

    2009-01-01

    It is becoming unthinkable to do business in a retail trade in our modern environment, which is dominated by elements of significant competition, advanced technology and associated technological solutions, as well as with the constant struggle of the consumers, without investing a great deal in the creation of a good image apropos a good brand. Investing in good brand increases the value of the company by creating unique emotional associations, entering the consciousness of the consumers and ...

  20. Army medical imaging system: ARMIS

    International Nuclear Information System (INIS)

    Recent advances of stimulable phosphor screens, data cards using optical storage means, and new personal computers with image processing capability have made possible the design of economical filmless medical imaging systems. The addition of communication links means that remote interpretation of images is also possible. The Army Medical Imaging System uses stimulable phosphor screens, digital readout, a small computer, an optical digital data card device, and a DIN/PACS link. Up to 200 images can be stored in the computer hard disk for rapid recall and reading by the radiologist. The computer permits image processing, annotation, insertion of text, and control of the system. Each device contains an image storage RAM and communicates with the computer via the small computer systems interface. Data compression is used to reduce the required storage capacity and transmission times of the 1-mB images. The credit card-size optical data cards replace film and can store 12 or more images. The data cards can be read on an independent viewer. The research is supported by the U.S. Army Biomedical Research and Development Laboratory

  1. Guest Editorial: Card sort methodology: An objective measure in rehabilitation research

    Directory of Open Access Journals (Sweden)

    Haitham Jahrami, PhD

    2012-04-01

    Full Text Available Card sort clinical tests such as the Wisconsin Card Sort Test and Activity Card Sort are well known in several clinical practices, including psychiatry, neurology, neuropsychology, and learning disabilities. However, card sort methodology is less famous as a research methodology. This editorial attempts to shed light on the novelty of the card sort methodology and its relevance to rehabilitation research.

  2. Guest Editorial: Card sort methodology: An objective measure in rehabilitation research

    OpenAIRE

    Haitham Jahrami, PhD

    2012-01-01

    Card sort clinical tests such as the Wisconsin Card Sort Test and Activity Card Sort are well known in several clinical practices, including psychiatry, neurology, neuropsychology, and learning disabilities. However, card sort methodology is less famous as a research methodology. This editorial attempts to shed light on the novelty of the card sort methodology and its relevance to rehabilitation research.

  3. 22 CFR 41.32 - Nonresident alien Mexican border crossing identification cards; combined border crossing...

    Science.gov (United States)

    2010-04-01

    ... identification cards; combined border crossing identification cards and B-1/B-2 visitor visas. 41.32 Section 41... crossing identification cards; combined border crossing identification cards and B-1/B-2 visitor visas. (a) Combined B-1/B-2 visitor visa and border crossing identification card (B-1/B-2 Visa/BCC)—(1)...

  4. Business ethics

    OpenAIRE

    Petráková, Helena

    2009-01-01

    This bachelor's thesis deals with the topic - business ethics. Concretely, it gives the example of ethics in the sphere of undertaker's. There are stated all of the needed terms and definitions. There is also said how ethics influenced people throw the history. Furthermore, you can find the difference between ethics and etiquette. These two terms are often misunderstood but they cohere. To make firms work well, you need to give them some rules. Code of ethics may be part of the solution.That ...

  5. Business development

    OpenAIRE

    Sousa, Alexandre Daniel Brito de

    2011-01-01

    Num mundo empresarial em constante mudança e cada vez mais competitivo e exigente, as empresas necessitam de profissionais que saibam não só adaptar-se a essa mudança, mas também identificar e aproveitar uma oportunidade de negócio quando ela surge. Um Business Developer faz isso mesmo – explora oportunidades de negócio. Idealmente numa empresa, um profissional de “BizDev” deve juntar competências nas áreas de Vendas, Marketing e Parcerias, acompanhando o desenvolvimento do produto que dev...

  6. Quantum key distribution using card, base station and trusted authority

    Energy Technology Data Exchange (ETDEWEB)

    Nordholt, Jane Elizabeth; Hughes, Richard John; Newell, Raymond Thorson; Peterson, Charles Glen; Rosenberg, Danna; McCabe, Kevin Peter; Tyagi, Kush T; Dallman, Nicholas

    2015-04-07

    Techniques and tools for quantum key distribution ("QKD") between a quantum communication ("QC") card, base station and trusted authority are described herein. In example implementations, a QC card contains a miniaturized QC transmitter and couples with a base station. The base station provides a network connection with the trusted authority and can also provide electric power to the QC card. When coupled to the base station, after authentication by the trusted authority, the QC card acquires keys through QKD with a trusted authority. The keys can be used to set up secure communication, for authentication, for access control, or for other purposes. The QC card can be implemented as part of a smart phone or other mobile computing device, or the QC card can be used as a fillgun for distribution of the keys.

  7. Credit card spending limit and personal finance: system dynamics approach

    Directory of Open Access Journals (Sweden)

    Mirjana Pejić Bach

    2014-03-01

    Full Text Available Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.

  8. Jefferson Lab's Trim Card II

    Energy Technology Data Exchange (ETDEWEB)

    Trent Allison; Sarin Philip; C. Higgins; Edward Martin; William Merz

    2005-05-01

    Jefferson Lab's Continuous Electron Beam Accelerator Facility (CEBAF) uses Trim Card I power supplies to drive approximately 1900 correction magnets. These trim cards have had a long and illustrious service record. However, some of the employed technology is now obsolete, making it difficult to maintain the system and retain adequate spares. The Trim Card II is being developed to act as a transparent replacement for its aging predecessor. A modular approach has been taken in its development to facilitate the substitution of sections for future improvements and maintenance. The resulting design has been divided into a motherboard and 7 daughter cards which has also allowed for parallel development. The Trim Card II utilizes modern technologies such as a Field Programmable Gate Array (FPGA) and a microprocessor to embed trim card controls and diagnostics. These reprogrammable devices also provide the versatility to incorporate future requirements.

  9. Business Model Innovation

    OpenAIRE

    Dodgson, Mark; Gann, David; Phillips, Nelson; Massa, Lorenzo; Tucci, Christopher

    2014-01-01

    The chapter offers a broad review of the literature at the nexus between Business Models and innovation studies, and examines the notion of Business Model Innovation in three different situations: Business Model Design in newly formed organizations, Business Model Reconfiguration in incumbent firms, and Business Model Innovation in the broad context of sustainability. Tools and perspectives to make sense of Business Models and support managers and entrepreneurs in dealing with Business Model ...

  10. Pricing Debit Card Payment Services; An IO Approach

    OpenAIRE

    Alexander F. Tieman; Wilko Bolt

    2003-01-01

    This paper presents a theoretical framework for analyzing pricing structures in debit card schemes featuring cardholders, retailers, their respective banks, and a network routing switch. The network routing switch controls the electronic debit card network and is jointly owned by the banks. In setting its prices, it needs to consider getting both consumers and retailers to participate in the market. In this two-sided market for debit cards, we show that the "double-monopolistic" network routi...

  11. Debit card interchange fee regulation: some assessments and considerations

    OpenAIRE

    Zhu Wang

    2012-01-01

    The debit card interchange fee regulation introduced by the Durbin Amendment to the Dodd-Frank Act went into effect in October 2011. The regulation limits the maximum permissible interchange fee that a covered issuer can collect from merchants for a debit card transaction. In this article, we review the regulation's first-year impact on different players in the debit card market. We also discuss how the regulation may affect payments efficiency.

  12. Card Surcharges and Cash Discounts: Simple Economics and Regulatory Lessons

    OpenAIRE

    Helene Bourguignon; Renato Gomes; Jean Tirole

    2014-01-01

    The role of payment cards in modern economies can hardly be underrated. In 2013, debit and credit card transactions represented roughly half of all consumer payment transactions in Western Europe, and accounted for more than 45% of all payment transactions in the United States. The payment card industry has faced intense antitrust scrutiny on both sides of the Atlantic, partly in response to the merchants’ recurrent complaints about high transaction fees.

  13. Why Do Debit Card Networks Charge Percentage Fees?

    OpenAIRE

    Price, David A; Wang, Zhu

    2013-01-01

    Why do debit card networks base their fees on a percentage of transaction amounts when the marginal cost of executing a transaction does not vary by amount? Research suggests that this type of fee structure, a linear ad valorem fee, maximizes profits for card networks by allowing price discrimination. Also, because percentage fees make card usage more economical for lower-value transactions, such a fee structure tends to increase social welfare.

  14. Understanding Accounting Practices on Card Based Banking Operations

    OpenAIRE

    2009-01-01

    The purpose of this study is to survey the accounting of the on-line banking cards operations, based on Romanian experience. Our paper belongs to the technical studies that analyse the concrete way to reflect the cards operations at the level of the banking societies from Romania. The paper contains a study cases part, which presents the concrete methods of accounting reflection based on banking cards operations. We try to underline the importance of a flexible banking accounting system, whic...

  15. An overview of credit card asset-backed securities

    OpenAIRE

    Mark Furletti

    2002-01-01

    Summary: On Friday, October 25, 2002, the Payment Cards Center of the Federal Reserve Bank of Philadelphia held a workshop that focused on credit card asset-backed securities. Mark Adelson, head of structured finance research at Nomura Securities International, led the workshop. A veteran analyst of the ABS market, Adelson has written numerous articles and special reports on securitization. During the workshop, Adelson explained the growth, pricing, and mechanics of credit card asset-backed s...

  16. The Credit CARD Act of 2009: what did banks do?

    OpenAIRE

    Jambulapati, Vikram; Stavins, Joanna

    2013-01-01

    The Credit CARD Act of 2009 was intended to prevent practices in the credit card industry that lawmakers viewed as deceptive and abusive. Among other changes, the Act restricted issuers’ account closure policies, eliminated certain fees, and made it more difficult for issuers to change terms on credit card plans. Critics of the Act argued that because of the long lag between approval and implementation of the law, issuing banks would be able to take preemptive actions that might disadvantage ...

  17. Users Authentication and Privacy control of RFID Card

    OpenAIRE

    Adeyemi, Ikuesan R.; Ithnin, Norafida Bt.

    2012-01-01

    Security and Privacy concerns in Radio frequency identification (RFID) technology particularly RFID Card, is a wide research area which have attracted researchers for over a decade. Authenticating users at the Card end of the RFID technology constitutes one of the major sources of attacks on the system. In this research, we studied the various known attacks and mitigation available. We proposed a conceptual framework that that can be used to mitigate the unauthorized use of RFID Card. This co...

  18. Emulation of NFC student card in smart phone

    OpenAIRE

    BEDIČ, MATEJ

    2015-01-01

    In this thesis, we present the implementation of the identification card in a smartphone. We have developed a mobile application that allows emulation of a student card with NFC chip. Thus, instead of plastic NFC card, which is currently in use at the University of Ljubljana, student could use his smartphone for authentication on lectures or tutorials, borrow a book in the library or have access to certain premises of the Faculty. The thesis describes conceptual design and implementation of a...

  19. Season's Greetings: An Analysis of Christmas Card Use

    OpenAIRE

    Gooch, Daniel; Kelly, Ryan

    2016-01-01

    Christmas is the time of year when people reaffirm social connections through the medium of Christmas cards. Although much communication in the modern age is conducted via electronic means, many people continue to send and receive paper-based cards during the festive season. With a view to understanding practices surrounding the use of digital and paper-based media, this paper explores the use of paper-based and electronic Christmas cards among a sample of university students. We describe stu...

  20. SC2: Secure Communication over Smart Cards

    DEFF Research Database (Denmark)

    Dragoni, Nicola; Lostal, Eduardo; Papini, Davide;

    2012-01-01

    card hosting the application. In this paper we address a key issue to realize the S×C idea, namely the outsourcing of the contractpolicy matching service to a Trusted Third Party (TTP). In particular, we present the design and implementation of (SC)2 (Secure Communication over Smart Cards), a system...... securing the communication between a smart card and the TTP which provides the S×C matching service....

  1. Generation and Analysis of Card9-Deficient Mice

    OpenAIRE

    Groß, Olaf

    2010-01-01

    Fungal infections are increasing worldwide with the dramatic rise in immunodeficiencies including AIDS. However, the immune responses to such infections remain poorly understood. Dectin-1 is the major mammalian pattern recognition receptor for fungal cell wall components. In this work, Card9 was identified as a key transducer of Dectin-1 signaling. Card9 controls Dectin-1 mediated myeloid cell activation, cytokine production and innate anti-fungal immunity. Card9 couples to Bcl10 and regulate...

  2. Perceptions of Accounting Practitioners and Educators on E-Business Curriculum and Web Security Issues

    Science.gov (United States)

    Ragothaman, Srinivasan; Lavin, Angeline; Davies, Thomas

    2007-01-01

    This research examines, through survey administration, the perceptions of accounting practitioners and educators with respect to the multi-faceted security issues of e-commerce payment systems as well as e-business curriculum issues. Specific security issues explored include misuse/theft of personal and credit card information, spam e-mails,…

  3. The problems of using credit card and some possible solutions

    Institute of Scientific and Technical Information of China (English)

    付佶

    2012-01-01

      The credit card was first used in the 1920s,in the United States,and it has increased steadily. It becomes a worldwide payment method. The credit card provides two basic benefits. The first one is It provides the convenient to the holders for the credit card owners can carry a card instead of a large sum of cash. Moreover,the card-holders are able to purchase some products with this kind of card for it allows the owners to borrow money from bank at some future cost.(Sha Yang 2006)However,because of the imperfect of credit card system(Yingjiu Li 2005), unrealistic optimism in consumer credit card adoption(Sha yang 2006)and APR Trap (Steve Sildon2008),all of these problems cause lots of problems for cardholders. This presentation will consider about the three problems which will bring the trouble to the consumers,and then it will focus on some possible solutions to address these problems for individual users. Finally,the presentation will present some way to make money with credit card.

  4. Mathematical card magic fifty-two new effects

    CERN Document Server

    Mulcahy, Colm

    2013-01-01

    Mathematical card effects offer both beginning and experienced magicians an opportunity to entertain with a minimum of props. Featuring mostly original creations, Mathematical Card Magic: Fifty-Two New Effects presents an entertaining look at new mathematically based card tricks. Each chapter contains four card effects, generally starting with simple applications of a particular mathematical principle and ending with more complex ones. Practice a handful of the introductory effects and, in no time, you'll establish your reputation as a ""mathemagician."" Delve a little deeper into each chapter

  5. Concretization and animation of Finite Automata with c-cards

    DEFF Research Database (Denmark)

    Valente, Andrea

    2004-01-01

    to classes of 10 to 12 years old, and in general to students with a limited mathematical background. Our approach builds on {\\em computational cards} (or c-cards), a project aiming at scaling-down the learning complexity of computer science core contents, by presenting symbol manipulation via...... a tangible, physical metaphor. C-cards are still at a very early stage of development as an educational tool, yet we believe they represent a nice, intuitive mind-tool, that can be consistently applied to a variety of (theoretical) computer science concepts. Here an algorithm for mapping finite automata on c-cards...

  6. Volume of Requests for Internet Medicare Replacement Cards

    Data.gov (United States)

    Social Security Administration — This dataset provides monthly volumes at the national level from federal fiscal year 2008 onwards for Internet Medicare Replacement Card. The dataset includes only...

  7. A recoverable stress testing algorithm for compression and encryption cards

    Institute of Scientific and Technical Information of China (English)

    Bao-jun ZHANG; Xue-zeng PAN; Jie-bing WANG; Ling-di PING

    2008-01-01

    This study proposes a recoverable stress testing algorithm (RSTA) for such special devices as compression/decom-pression card and encryption/decryption card. It uses a chaos function to generate a random sequence, and then, according to the random sequence, generates an effective command sequence. The dispatch of command obeys a special schedule strategy we designed for such devices, I.e., the commands are sent according to the command sequence, and the complete commands are put in a buffer for further result check. RSTA is used to test the HIFN compression acceleration card SAICHI- 1000. Test results show that RSTA can make the card work continuously and adequately.

  8. Determinants of debit cards acceptance: An empirical investigation

    Energy Technology Data Exchange (ETDEWEB)

    Ismail, Shafinar; Adnan, Azimah; Azizi, Amsyar [Faculty of Business and Management, Universiti Teknologi MARA, Melaka 75300 (Malaysia); Bakri, Mohamed Hariri [Faculty of Technology Management And Technopreneurship, Universiti Teknikal Malaysia, Melaka 76100 (Malaysia); Zulkepli, Jafri [Faculty of Quantitative Science, Universiti Utara Malaysia, Sintok Kedah (Malaysia)

    2014-12-04

    These days, most of the Malaysians realize that the consumption of debit card will help them to reduce the household debt. Thus, it is important to analyse the acceptance of debit cards for further enhancement and expanding its market share in Malaysia. In addition, there is lacked of research being conducted on the determinants affecting the acceptance of debit cards among Malaysians. Thus, the study aimed to investigate the factors affecting the acceptance of debit cards. This study focuses on payment methods, consumer attitude, and safety of debit card in acceptance of debit cards. Questionnaires were distributed to the 300 respondents. The sampling procedure adopted was stratified random sampling. The data obtained were analysed using SPSS 20.0 which involves scale reliability, descriptive and regression analysis. The result indicates that payment methods, consumer attitude and safety are the determinants of debit cards acceptance. Safety is the best predictor as most of the customers are confidents to use debit cards because of the security being developed around these debit card transactions. The analyses presented in this study can be used by policymakers and managers as a guide to promote banking products and services. The findings achieved in this study will be of interest for practitioners and academics concerned with developments of the Malaysian banking industry.

  9. Mixing time of the Card-Cyclic-to-Random shuffle

    OpenAIRE

    Morris, Ben; Ning, Weiyang; Peres, Yuval

    2012-01-01

    The card-cyclic-to-random shuffle on $n$ cards is defined as follows: at time $t$ remove the card with label $t$ mod $n$ and randomly reinsert it back into the deck. Pinsky [Probabilistic and combinatorial aspects of the card-cyclic-to-random shuffle (2011). Unpublished manuscript] introduced this shuffle and asked how many steps are needed to mix the deck. He showed $n$ steps do not suffice. Here we show that the mixing time is on the order of $\\Theta(n\\log n)$.

  10. Determinants of debit cards acceptance: An empirical investigation

    International Nuclear Information System (INIS)

    These days, most of the Malaysians realize that the consumption of debit card will help them to reduce the household debt. Thus, it is important to analyse the acceptance of debit cards for further enhancement and expanding its market share in Malaysia. In addition, there is lacked of research being conducted on the determinants affecting the acceptance of debit cards among Malaysians. Thus, the study aimed to investigate the factors affecting the acceptance of debit cards. This study focuses on payment methods, consumer attitude, and safety of debit card in acceptance of debit cards. Questionnaires were distributed to the 300 respondents. The sampling procedure adopted was stratified random sampling. The data obtained were analysed using SPSS 20.0 which involves scale reliability, descriptive and regression analysis. The result indicates that payment methods, consumer attitude and safety are the determinants of debit cards acceptance. Safety is the best predictor as most of the customers are confidents to use debit cards because of the security being developed around these debit card transactions. The analyses presented in this study can be used by policymakers and managers as a guide to promote banking products and services. The findings achieved in this study will be of interest for practitioners and academics concerned with developments of the Malaysian banking industry

  11. Determinants of debit cards acceptance: An empirical investigation

    Science.gov (United States)

    Ismail, Shafinar; Bakri, Mohamed Hariri; Zulkepli, Jafri; Adnan, Azimah; Azizi, Amsyar

    2014-12-01

    These days, most of the Malaysians realize that the consumption of debit card will help them to reduce the household debt. Thus, it is important to analyse the acceptance of debit cards for further enhancement and expanding its market share in Malaysia. In addition, there is lacked of research being conducted on the determinants affecting the acceptance of debit cards among Malaysians. Thus, the study aimed to investigate the factors affecting the acceptance of debit cards. This study focuses on payment methods, consumer attitude, and safety of debit card in acceptance of debit cards. Questionnaires were distributed to the 300 respondents. The sampling procedure adopted was stratified random sampling. The data obtained were analysed using SPSS 20.0 which involves scale reliability, descriptive and regression analysis. The result indicates that payment methods, consumer attitude and safety are the determinants of debit cards acceptance. Safety is the best predictor as most of the customers are confidents to use debit cards because of the security being developed around these debit card transactions. The analyses presented in this study can be used by policymakers and managers as a guide to promote banking products and services. The findings achieved in this study will be of interest for practitioners and academics concerned with developments of the Malaysian banking industry.

  12. On Developing Business Chinese.

    Science.gov (United States)

    Hong, Wei

    1996-01-01

    Examines the significance of foreign languages for business, particularly Business Chinese, in the 1990s; its curriculum requirements; and the impact of business languages on international business. The article proposes a developmental plan for Business Chinese at the college level including goals, course materials, learning activities, and…

  13. Sosiaalinen media business to business -markkinoinnissa

    OpenAIRE

    Eskelinen, Mervi

    2009-01-01

    Opinnäytetyö käsittelee sosiaalisen median käyttöä business to business -markkinoinnissa. Sosiaalista mediaa tarkastellaan kirjallisuuden, verkkolähteiden ja kirjoittajan omien kokemuksien ja näkemyksien pohjalta. Sosiaalisen median soveltuvuutta business to business -markkinointiin käsitellään edellä mainittujen lähteiden lisäksi yrityshaastattelujen pohjalta. Tavoitteena on pohtia sosiaalinen median soveltuvuutta business to business -markkinointiin. Lisäksi tavoitteena on perustella sosiaa...

  14. Caquexia cardíaca Cardiac cachexia

    Directory of Open Access Journals (Sweden)

    Alberto Miján

    2006-05-01

    Full Text Available La insuficiencia cardíaca de carácter crónico (ICC, en especial si afecta al corazón derecho, ocasiona con frecuencia malnutrición. Si esta es grave y se unen otros componentes, puede producirse caquexia cardíaca. Esta se asocia a mayor morbilidad y menor supervivencia de los pacientes que la padecen. Las causas de la caquexia cardíaca son diversas, en general asociadas a mantener balance energético negativo, surgiendo cada vez mayor evidencia que apoya un origen multifactorial de la misma. Entre otros, factores neurohormonales, inflamatorios, inmunológicos y metabólicos se superponen en el paciente con ICC, pudiendo producir afectación y deterioro de diversos órganos o sistemas, incluyendo la caquexia cardíaca. Esta puede definirse de diversos modos que, en general, concretan una reducción de peso en un tiempo definido o de estructuras corporales, ya que esta entidad afecta tanto a la masa magra o celular activa, como a los tejidos adiposo y óseo "osteoporosis. De todos ellos, el deterioro más acusado puede observarse en el tejido muscular esquelético, tanto a nivel estructural como funcional, no quedando exento el corazón de su afectación. Respecto del tratamiento, este debe basarse en la evidencia científica disponible. La valoración del estado nutricional de todo paciente con ICC es obligada, debiendo intervenir nutricionalmente ante MEP o riesgo de desarrollarla. En esta situación, mas si existe caquexia cardíaca, es necesaria una modificación de la dieta oral en energía y calidad de la misma, debiendo valorar la indicación de nutrición artificial específica complementaria o alternativa. Asimismo, cada vez adquiere mayor fuerza causal el papel beneficioso del ejercicio físico moderado, así como de la modulación por determinados fármacos de las alteraciones metabólicas e inflamatorias observadas en la caquexia cardíaca, que incluyen una respuesta favorable a nivel funcional y estructural del paciente con ICC

  15. Busy Americans

    Institute of Scientific and Technical Information of China (English)

    宫玉完

    2007-01-01

    In America,people are always in a hurry.You can see the people who are walking fast everywhere.They are so busy that they have no time to stay with their families.They work late and don’t get home until 7 or 8 at night.More than 50% of women work at full-time jobs.They do less childcare and don’t have enough time to prepare the food.That’s why"fast food"is so popular in America.People spend nearly half of their dollars on fast food.Fast food saves much time,but it is not good for health.

  16. CERN Access Cards and Access Authorisations

    CERN Multimedia

    2003-01-01

    From the 01/05/2003, all problems relating to access cards and refusal of access to any zone, building or experiment within CERN must be addressed to the Centrale de Surveillance des Accès (CSA building 120) on 78877 or send an e-mail to Access.Surveillance@cern.ch. The responsibles for CERN access control have put into place a procedure with the CSA, Service Enregistrement and the Technical Control Room, to make sure that all problems get resolved in a proper and timely manner.

  17. Insuficiencia cardíaca neonatal

    OpenAIRE

    Pastor Durán, Xavier

    1986-01-01

    PROTOCOLOS TERAPEUTICOS. INSUFICIENCIA CARDIACA NEONATAL. 1. CONCEPTO La insuficiencia cardíaca (IC) en el recién nacido suele manifestarse de forma global salvo en contadas ocasiones (ciertas cardiopatías congénitas). Las causas pueden ser múltiples, desde problemas hidroelectrolíticos hasta infecciones, pasando por la yatrogenia de la sobrecarga hídrica debida a una mala prescripción de las perfusiones. Un intento de clasificación puede ser el siguiente...

  18. Charging up a mountain of debt: households and their credit cards.

    OpenAIRE

    Yoo,, I.-K.

    1996-01-01

    I use the Surveys of Consumer Finances conducted in 1983, 1989 and 1992 to separate the growth of credit card debt into two categories, changes in the number of households with credit cards and changes in households credit card debt. I can then account for the relative contributions of increases in credit card availability, number of households, and average credit card debt. I also use the household income information to quantify the impact of more lower income households with credit cards. D...

  19. The Implementation of Balance Score Card for Performance Measurement in Small and Medium Enterprises: Evidence from Malaysian Health Care Services

    Directory of Open Access Journals (Sweden)

    Budi Suprapto

    2012-01-01

    Full Text Available The needs for SMEs to measure their performance is to improve their service to customers, employees, societies and stakeholders. The purpose of the study was to investigate the implementation of Balance Score Card as the performance measurement system in SMEs. In this study, 1000 mailed questionnaires were sent to health care services in Malaysia. Out of this, only 105 responded and data collected were analyzed. Using factor analysis with varimax rotation technique, the study found four factors with eigenvalue value more than 1.0. Those factors that explained total variance of 69.346 percent, indicated the four components of BSC implemented by SMEs in Malaysian Health Care Services. Those components are as follows: learning and growth, mission and vision, customer and internal business perspective.Key words: Balance Score Card, Performance Measurement, Small and Medium Enterprise

  20. Research on the Prevention of Bank Cards Crime%论银行卡犯罪的防范

    Institute of Scientific and Technical Information of China (English)

    孟松; 陈荣鹏; 冷泠

    2011-01-01

    Bank card crime is accompanied by the development of bank card business and the rise of a high-tech,highly intelligent new types of crime,the complexity of legal relationships involved,surveillance is difficult.In this paper,cardholders,issuers,merchants'%银行卡犯罪是伴随着银行卡业务的发展而兴起的一种高科技、高智能的新型犯罪,其涉及法律关系复杂、侦防难度大等问题。文章从持卡人、发卡行、特约商户和公安机关的角度探讨了社会整体防控工作,防患于未然,以期减少银行卡犯罪的发生。

  1. PSYCHOLOGY OF FAMILY BUSINESS

    OpenAIRE

    Taylyakova, Feruzahon

    2014-01-01

    This article analyzes the basic psychological characteristics of family businesses. The author describes the psychological properties that contribute to improve individual and family businesses. The article also discusses mental properties adversely affect the development of a family business.

  2. Global Business Models

    DEFF Research Database (Denmark)

    Rask, Morten

    insight from the literature about business models, international product policy, international entry modes and globalization into a conceptual model of relevant design elements of global business models, enabling global business model innovation to deal with differences in a downstream perspective...

  3. Analysis of Business Models

    OpenAIRE

    Slavik Stefan; Bednar Richard

    2014-01-01

    The term business model has been used in practice for few years, but companies create, define and innovate their models subconsciously from the start of business. Our paper is aimed to clear the theory about business model, hence definition and all the components that form each business. In the second part, we create an analytical tool and analyze the real business models in Slovakia and define the characteristics of each part of business model, i.e., customers, distribution, value, resour...

  4. BRANDING IN SMALL BUSINESS

    OpenAIRE

    Mihai Răzvan Constantin BARBU; Radu Florin OGARCĂ; Cătălin Mihail BARBU

    2010-01-01

    In this paper we analyzed the branding in small business. Using a desk research on Internet and the press we have identified the practices small businesses use to enhance their brand and the brand dynamics in small business. Our main contribution is that we tried to figure out the strategy of branding in small business. This need further to be investigated in order to understand how branding works in small business and to better capture the role of branding in small business.

  5. Design and Validation of Persian Near Reading Card: A Pilot Study

    Directory of Open Access Journals (Sweden)

    Ebrahim Jafarzadehpur

    2013-10-01

    Full Text Available Purpose: Design and establishment of Persian near reading card for clinical use and practiceMethods: At first, card dimension, word and character size and specifications were calculated. Then, English near reading card, Richmond Product INC, was considered as a template. Context and syntax contribute to reading accuracy and efficacy of the Richmond card was considered for designed Persian card. Near reading acuity of 50 Persian native languages, that could read conventional English texts, was compared with three near reading card (two designed Persian cards and Richmond card. These cards randomly presented to the subjects. Visual acuity (VA was randomly measured with and without a cylindrical lens (+2.00 x 90 for all participants. VA results and reading time were compared in three cards.Results: Correlation coefficient of first and second Persian reading card were 0.824 and 0.817 (p<0.001 respectively. Plus cylindrical lens would change the reading time and VA in all reading cards. Kappa index of agreement in these three cards was acceptable (61.1%. Comparison of Persian cards and English card showed high sensitivity (97.5%. Specificity for 1.25 MAR cut point for these charts was 55.6%. Reading time for Persian card was less than English card. Conclusion: These finding implies that Persian near reading card may be used for near reading acuity. It may be very useful for evaluation of visual function of Iranian and other Persian language persons at near distance.

  6. Business-to-Business -markkinointistrategia sosiaalisessa mediassa

    OpenAIRE

    Kähärä, Karri

    2011-01-01

    Tämä opinnäytetyö keskittyy markkinointistrategian kehittämiseen business-to-business -yritykselle sosiaalisissa medioissa tapahtuvaa markkinointia varten. Opinnäytetyössä tarkastellaan sosiaalisia medioita ja markkinointistrategian luomista eri kirjallisuus- ja verkkolähteiden avulla. Opinnäytetyön tavoitteena on selvittää sosiaalisten medioiden mahdollisuuksia business-to-business -markkinointia harjoittavalle yritykselle ja kehittää konkreettinen markkinointi-suunnitelma sosiaalisissa medi...

  7. Transforming Software Business Models into Business Processes

    OpenAIRE

    Schief, Markus; Bonakdar, Amir; Weiblen, Tobias

    2012-01-01

    Changed business models, such as induced by Software-as-a-Service, require an effective implementation in a firm's organization. This study clarifies the relation between business models as an implementation of a company's strategy, and business processes, as an abstraction of a company's operations. The presented transformation framework provides specific meaning to the industrial setting of a software vendor morphing to a SaaS model. Both underlying concepts, the business model and the valu...

  8. Achieving Business Process Flexibility with Business Rules

    OpenAIRE

    Eijndhoven, van, SJL Stef; Iacob, M.E.; Ponisio, M.L.

    2008-01-01

    Business processes used in networked business are often large and complex, which makes them difficult to manage and change. In this paper we address this lack of flexibility by proposing a solution that uses business rules and workflow patterns to model the variable parts of process flow, thus facilitating dynamic pattern composition in these areas. We argue that the increase in flexibility is justified by the fact that changes in a business process can be confined to the variable isolated pa...

  9. Business modelling agility: Turning ideas into business

    OpenAIRE

    Heikkila, J.; Heikkila, M.; Bouwman, W.A.G.A.

    2015-01-01

    Business Model Innovation is attracting more and more attention from business as well as from academics. Business Model Innovation deals with both technological and knowledge related changes that either may disrupt or sustain existing product/market strategies. Timing of Business Model Innovation both with regard to the right moment as well as speed of implementing competitive concepts becomes crucial. In this conceptual paper we discuss and evaluate possibilities for shortening the lead-time...

  10. Involving business users in business rules lifecycle

    OpenAIRE

    Thorževskij, Sašo

    2010-01-01

    Organizations operate in dynamic environments, which require continuous modifications of business policies. The latter also implies changes in business informatics, the basis for effective and prosperous operation. To answer to the constant need for modifications and adaptations, a new approach to information systems design and implementation has been developed, based on separating business rules from the rest of the information system. In such solutions, business rule execution is entrusted ...

  11. BUSINESS ENGLISH IN INTERCULTURAL BUSINESS COMMUNICATION

    OpenAIRE

    Adriana Teodorescu

    2011-01-01

    In the past few decades, Business English has become a true lingua franca in all global business communication contexts. The development and use of Business English went hand in hand with globalisation, the growth of multinational and transnational corporations, the fast development in communications technology, the emergence of new markets in developing countries, etc. The use of English at a global level in different business communication circumstances has led to the necessity of developin...

  12. Risky Business

    Science.gov (United States)

    Yarbrough, Katherine

    2015-01-01

    During my internship I worked on two major projects, recommending improvements for the Center's Risk Management Workshop and helping with the strategic planning efforts for Safety and Mission Assurance (S&MA). The risk management improvements is the key project I worked on this semester through my internship, while the strategic planning is the secondary assignment. S&MA Business Office covers both aspects in its delegation, getting both spans some of the work done in the office. A risk is a future event with a negative consequence that has some probability of occurring. Safety and Mission Assurance identifies, analyzes, plans, and tracks risk. The directorate offers the Center a Risk Management Workshop, and part of the ongoing efforts of S&MA is to make continuous improvements to the RM Workshop. By using the Project Management Institute's (PMI) Standard for Risk Management, I performed a gap analysis to make improvements for our materials. I benchmarked the PMI's Risk Management Standard, compared our Risk Management Workshop materials to PMI's standard, and identified any gaps in our material. My major findings were presented to the Business Office of S&MA for a decision on whether or not to incorporate the improvements. These suggestions were made by attending JSC working group meetings, Health, Safety and Environment (HSE) panel reviews and various risk review meetings. The improvements provide better understanding of risk management processes and enhanced risk tracking knowledge and skills. Risk management is an integral part of any engineering discipline, getting exposed to this section of engineering will greatly help shape my career in the future. Johnson Space Center is a world leader in risk management processes; learning risk management here gives me a huge advantage over my peers, as well as understanding decision making in the context of risk management will help me to be a well-rounded engineer. Strategic planning is an area I had not previously

  13. Payment instrument choice: the case of prepaid cards

    OpenAIRE

    Sujit Chakravorti; Victor Lubasi

    2006-01-01

    The costs and benefits to payment system participants can differ depending on which payment mechanism is used. The authors specifically explore the costs and benefits of prepaid card applications versus other payment instruments, such as cash, checks, and debit cards, for certain payment segments, including gift, payroll, and employer-initiated and government benefit programs.

  14. 77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

    Science.gov (United States)

    2012-06-22

    ... PROTECTION 12 CFR Chapter X Disclosure of Certain Credit Card Complaint Data AGENCY: Bureau of Consumer... guidance on how the Bureau plans to exercise its discretion to publicly disclose certain credit card complaint data that do not include personally identifiable information. The Bureau receives credit...

  15. Designing minimum data sets of health smart card system

    Directory of Open Access Journals (Sweden)

    Mohtaram Nematollahi

    2014-10-01

    Full Text Available Introduction: Nowadays different countries benefit from health system based on health cards and projects related to smart cards. Lack of facilities which cover this technology is obvious in our society. This paper aims to design Minimum Data Sets of Health Smart Card System for Iran. Method: This research was an applied descriptive study. At first, we reviewed the same projects and guidelines of selected countries and the proposed model was designed in accordance to the country’s needs, taking people’s attitude about it by Delphi technique. A data analysis in study stage of MDS(Minimum Data Sets of Health Smart Card in the selective countries was done by comparative tables and determination of similarities and differences of the MDS. In the stage of gaining credit for model, it was accomplished with descriptive statistics to the extent of absolute and relative frequency through SPSS (version 16. Results: MDS of Health Smart Card for Iran is presented in the patient’s card and health provider’s card on basisof studiesin America, Australia, Turkey and Belgium and needs of our country and after doing Delphi technique with 94 percent agreement confirmed. Conclusion: Minimum Data Sets of Health Smart Card provides continuous care for patients and communication among providers. So, it causes a decrease in the complications of threatening diseases. Collection of MDS of diseases increases the quality of care assessment

  16. 31 CFR 8.25 - Renewal of enrollment card.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Renewal of enrollment card. 8.25 Section 8.25 Money and Finance: Treasury Office of the Secretary of the Treasury PRACTICE BEFORE THE BUREAU OF ALCOHOL, TOBACCO AND FIREARMS Enrollment Procedures § 8.25 Renewal of enrollment card. (a) Period of renewal. An enrolled practitioner...

  17. 48 CFR 2913.301 - Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 7 2010-10-01 2010-10-01 false Governmentwide commercial purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR ACQUISITION PLANNING SIMPLIFIED ACQUISITION PROCEDURES Simplified Acquisition Methods 2913.301 Governmentwide commercial purchase card. (a)...

  18. Using Library of Congress Playing Cards to Train Student Shelvers.

    Science.gov (United States)

    Smith, Jim

    1996-01-01

    Describes the procedures and benefits of using Library of Congress Playing Card games to teach library staff number sequencing and thereby reduce shelving errors. Appendixes include illustrations of the cards themselves, including table showing which call numbers correspond to various suits and values; training handouts; and two proposed studies.…

  19. Using Playing Cards to Simulate a Molecular Clock

    Science.gov (United States)

    Westerling, Karin E.

    2008-01-01

    Changes in DNA base-repair may serve as an indicator of the time elapsed since divergence from a common ancestor. DNA sequences can now be analyzed. The simulation presented in this article allows students to observe the accumulation of changes in a randomly mutating sequence of playing cards. The cards are analogous to DNA nucleotide or protein…

  20. 75 FR 81721 - Debit Card Interchange Fees and Routing

    Science.gov (United States)

    2010-12-28

    ... computed using the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C; OMB No. 7100-0128... programs and reloadable, general-use prepaid cards not marketed or labeled as a gift card or certificate... Board survey. \\21\\ These numbers differ from the estimates that were otherwise provided to the Board...

  1. IR Cards: Inquiry-Based Introduction to Infrared Spectroscopy

    Science.gov (United States)

    Bennett, Jacqueline; Forster, Tabetha

    2010-01-01

    As infrared spectroscopy (IR) is frequently used in undergraduate organic chemistry courses, an inductive introduction to IR spectroscopy that uses index cards printed with spectra, structures, and chemical names is described. Groups of students are given an alphabetized deck of these "IR cards" to sort into functional groups. The students then…

  2. CARD15 gene and the classification of Crohn's disease

    NARCIS (Netherlands)

    Murillo, L; Crusius, JBA; van Bodegraven, AA; Alizadeh, BZ; Pena, AS

    2002-01-01

    An insertion mutation at nucleotide 3020 (3020insC) in the CARD15 gene, originally reported as NOD2, has been strongly associated with Crohn's disease. The CARD15 G2722C missense mutation was also shown to be associated with this disease. We studied 130 Dutch Crohn's disease patients, with a median

  3. Students Beat the Queue and Produce Their Own Library Cards

    Science.gov (United States)

    Lockton, Laurence

    2006-01-01

    In the past, it took the library staff of the University of Bath in United Kingdom around two weeks each autumn to produce cards for the main intake of its undergraduates. In this article, the author describes how he transformed the school's traditional library card production into a low-cost self-service system. He also describes how the new…

  4. Principles for Instructional Stack Development in HyperCard.

    Science.gov (United States)

    McEneaney, John E.

    The purpose of this paper is to provide information about obtaining and using HyperCard stacks that introduce users to principles of stack development. The HyperCard stacks described are available for downloading free of charge from a server at Indiana University South Bend. Specific directions are given for stack use, with advice for beginners. A…

  5. Medicine and ionizing radiation: help cards for risk analysis

    International Nuclear Information System (INIS)

    Following an inquiry in Ile de France on radiation protection, a scientific committee associating several institutions and different experts has elaborated cards for help to risk analysis. A first series of this cards is published in this issue documents for the labour physician and will be next on Internet. the other fields of medical use will be covered in the future. (N.C.)

  6. Interactive Pinball Business

    DEFF Research Database (Denmark)

    Buur, Jacob; Gudiksen, Sune

    2012-01-01

    Interaction design expands into new fields. Interaction design and business model innovation is a promising meeting of disciplines: Many businesses see the need to rethink their ways of doing business, and, as business models pose highly dynamic and interactive problems, interaction design has much...... to offer. This paper compares ‘tangible business models’ in the form of pinball-like contraptions, designed by interaction design students with those developed by groups of professionals around concrete business issues. We will show how the interactive models encourage business people to play with...... hypotheses and experiment with scenarios as a way of innovating their business models, and why this is so....

  7. Interactive pinball business

    DEFF Research Database (Denmark)

    Buur, Jacob; Gudiksen, Sune Klok

    2012-01-01

    Interaction design expands into new fields. Interaction design and business model innovation is a promising meeting of disciplines: Many businesses see the need to rethink their ways of doing business, and, as business models pose highly dynamic and interactive problems, interaction design has much...... to offer. This paper compares 'tangible business models' in the form of pinball-like contraptions, designed by interaction design students with those developed by groups of professionals around concrete business issues. We will show how the interactive models encourage business people to play with...... hypotheses and experiment with scenarios as a way of innovating their business models, and why this is so...

  8. Womens Business Center

    Data.gov (United States)

    Small Business Administration — Women's Business Centers (WBCs) represent a national network of nearly 100 educational centers throughout the United States and its territories, which are designed...

  9. Business Inspiration: Small Business Leadership in Recovery?

    Science.gov (United States)

    Rae, David; Price, Liz; Bosworth, Gary; Parkinson, Paul

    2012-01-01

    Business Inspiration was a short, action-centred leadership and innovation development programme designed for owners and managers of smaller firms to address business survival and repositioning needs arising from the UK's economic downturn. The article examines the design and delivery of Business Inspiration and the impact of the programme on…

  10. Application of Hidden Markov Model in Credit Card Fraud Detection

    Directory of Open Access Journals (Sweden)

    V. Bhusari

    2011-12-01

    Full Text Available In modern retail market environment, electronic commerce has rapidly gained a lot of attention and alsoprovides instantaneous transactions. In electronic commerce, credit card has become the most importantmeans of payment due to fast development in information technology around the world. As the usage ofcredit card increases in the last decade, rate of fraudulent practices is also increasing every year.Existing fraud detection system may not be so much capable to reduce fraud transaction rate.Improvement in fraud detection practices has become essential to maintain existence of payment system.In this paper, we show how Hidden Markov Model (HMM is used to detect credit card fraud transactionwith low false alarm. An HMM based system is initially studied spending profile of the card holder andfollowed by checking an incoming transaction against spending behavior of the card holder, if it is notaccepted by our proposed HMM with sufficient probability, then it would be a fraudulent transaction.

  11. Vulnerabilities in First-Generation RFID-enabled Credit Cards

    Science.gov (United States)

    Heydt-Benjamin, Thomas S.; Bailey, Daniel V.; Fu, Kevin; Juels, Ari; O'Hare, Tom

    RFID-enabled credit cards are widely deployed in the United States and other countries, but no public study has thoroughly analyzed the mechanisms that provide both security and privacy. Using samples from a variety of RFID-enabled credit cards, our study observes that (1) the cardholder's name and often credit card number and expiration are leaked in plaintext to unauthenticated readers, (2) our homemade device costing around 150 effectively clones one type of skimmed cards thus providing a proof-of-concept implementation for the RF replay attack, (3) information revealed by the RFID transmission cross contaminates the security of RFID and non-RFID payment contexts, and (4) RFID-enabled credit cards are susceptible in various degrees to a range of other traditional RFID attacks such as skimming and relaying.

  12. Mobile Broadcast DRM Based on User Identity Card

    Directory of Open Access Journals (Sweden)

    Byung-Rae Lee

    2007-11-01

    Full Text Available The current mobile broadcast systems do not provide efficient solution for consumption of service and content based on the user identity card such as a smartcard. This prevents users from consuming broadcast service and contents independent of a specific terminal (e.g., the one used for registration or purchase. To provide usage of broadcast services based on the user identity card, mutual authentication needs to be established among the service provider, the terminal, and the user identity card whenever the terminal is changed. The crucial element for this is assuring the service provider, the terminal, and the user identity card by authenticating each entity to the other entities. In this paper, we propose the new authentication scheme, which provides efficient scheme for three kinds of mutual authentications among the service provider, the terminal, and the user identity card. We also construct mobile broadcast DRM system based on the proposed authentication scheme for consumption of broadcast services with multiple terminals.

  13. Anonymous Card Shuffling and its Applications to Parallel Mixnets

    CERN Document Server

    Goodrich, Michael T

    2012-01-01

    We study the question of how to shuffle $n$ cards when faced with an opponent who knows the initial position of all the cards {\\em and} can track every card when permuted, {\\em except} when one takes $K< n$ cards at a time and shuffles them in a private buffer "behind your back," which we call {\\em buffer shuffling}. The problem arises naturally in the context of parallel mixnet servers as well as other security applications. Our analysis is based on related analyses of load-balancing processes. We include extensions to variations that involve corrupted servers and adversarially injected messages, which correspond to an opponent who can peek at some shuffles in the buffer and who can mark some number of the cards. In addition, our analysis makes novel use of a sum-of-squares metric for anonymity, which leads to improved performance bounds for parallel mixnets and can also be used to bound well-known existing anonymity measures.

  14. Biometrics and smart cards combine to offer high security

    International Nuclear Information System (INIS)

    This paper discusses the Smart Card a plastic credit card sized package with an embedded computer chip which encompasses a level of technical sophistication which makes it virtually impossible to counterfeit. The question of legitimacy of the person using the Card for physical, computer, or network access can be answered by storing a biometric template of the authorized user in the Smart Card's unalterable memory. The bimetric template can be based upon a retina print, a hand print, a finger print, a wrist-vein print, a voice print, or pseudo-biometrics, such as signature dynamics, gait dynamics or keyboard typing patterns. These Cards will function only when they are being used by the authorized individuals to whom they are issued

  15. New Medicare-approved prescription drug discount card.

    Science.gov (United States)

    James, John S

    2004-05-28

    Patients who are on Medicare and have income under 135% of Federal poverty level and are not on Medicaid probably should obtain one of the new Medicare discount cards that became available on June 1, 2004, because all these cards include $600 annual credit for prescription-drug purchases for persons within that income limit. Unfortunately this program is complex, no one yet knows how it will work in practice, and after choosing a card one is locked in and cannot change cards until November 15. The most difficult part of the choice of which card to get may involve how it interacts with other programs, including ADAP, and pharmaceutical company patient assistance programs. PMID:15241856

  16. Variabilidade da Frequência Cardíaca

    OpenAIRE

    Roque, Juliano Miguel Amado

    2009-01-01

    Este trabalho teve como objectivo estudar a variabilidade da frequência cardíaca e quais as causas que condicionam essa mesma variabilidade. Verificámos que a frequência cardíaca está dependente do sistema nervoso autónomo apesar de o coração apresentar uma actividade intrínseca capaz de fazer contrair o músculo cardíaco. O sistema nervoso autónomo tem a capacidade para aumentar a frequência cardíaca através do sistema nervoso simpático e de reduzir essa mesma frequência cardíaca através do s...

  17. Business Structures

    Directory of Open Access Journals (Sweden)

    J. Gilkey

    2013-06-01

    Full Text Available The newspaper industry has absorbed a tremendous financial impact during the last three years in revenues and bottom lines. As a whole, industry players were slow to react to ever-changing marketplace dynamics. Newspapers report on other companies and industries in their business pages every day. However, they failed to listen to and heed some of the advice and counsel they offered on those some pages. As they have to come to acknowledge the trend, it has triggered a re-evaluation of the company’s organizational structure on the revenue and expense sides of the equation. The change in revenue streams had become so extreme that many large newspaper groups have opted to file bankruptcy in order to continue operations while relieving themselves of crushing loan payments and obsolete labor agreements. The newspaper industry, as a whole, is a capital-intensive one, with heavy investment required for printing and equipment for compiling and collating revenue-rich inserts, along with fleets of delivery trucks and vans

  18. Evaluation of the effect of using Information Technology Infrastructure for Business Process Reengineering in Small and Medium sized Enterprises of Kermanshah Province

    OpenAIRE

    Fakhraddin Maroofi; Fatemeh Kahrarian; Marzieh Dehghani

    2013-01-01

    Business process reengineering is an approach to improving organizational performance that focuses on business processes and their efficiency. This paper provides a model interconnecting ICT adoption, ICT-enabled business process re-engineering (BPR), and performance with a balanced score card approach. A relevant literature review, which investigates critical indicators in ICT adoption and its impact on BPR is carried out. To this end, 9 hypotheses were made, research method is descriptive c...

  19. Maxed out: The Relationship between Credit Card Debt, Credit Card Distress and Grade Point Averages for College Students

    Science.gov (United States)

    Smith, Temple Day

    2011-01-01

    Few students leave college with a plan for paying off their debt. Starting a career inundated with student loans and credit card debt burdens is a reality many college students face today. In the wake of graduation coming to terms with the consequences of credit card debt is stressful for many students. This dissertation observes the relationship…

  20. Compute-unified device architecture implementation of a block-matching algorithm for multiple graphical processing unit cards.

    Science.gov (United States)

    Massanes, Francesc; Cadennes, Marie; Brankov, Jovan G

    2011-07-01

    In this paper we describe and evaluate a fast implementation of a classical block matching motion estimation algorithm for multiple Graphical Processing Units (GPUs) using the Compute Unified Device Architecture (CUDA) computing engine. The implemented block matching algorithm (BMA) uses summed absolute difference (SAD) error criterion and full grid search (FS) for finding optimal block displacement. In this evaluation we compared the execution time of a GPU and CPU implementation for images of various sizes, using integer and non-integer search grids.The results show that use of a GPU card can shorten computation time by a factor of 200 times for integer and 1000 times for a non-integer search grid. The additional speedup for non-integer search grid comes from the fact that GPU has built-in hardware for image interpolation. Further, when using multiple GPU cards, the presented evaluation shows the importance of the data splitting method across multiple cards, but an almost linear speedup with a number of cards is achievable.In addition we compared execution time of the proposed FS GPU implementation with two existing, highly optimized non-full grid search CPU based motion estimations methods, namely implementation of the Pyramidal Lucas Kanade Optical flow algorithm in OpenCV and Simplified Unsymmetrical multi-Hexagon search in H.264/AVC standard. In these comparisons, FS GPU implementation still showed modest improvement even though the computational complexity of FS GPU implementation is substantially higher than non-FS CPU implementation.We also demonstrated that for an image sequence of 720×480 pixels in resolution, commonly used in video surveillance, the proposed GPU implementation is sufficiently fast for real-time motion estimation at 30 frames-per-second using two NVIDIA C1060 Tesla GPU cards. PMID:22347787

  1. Compute-unified device architecture implementation of a block-matching algorithm for multiple graphical processing unit cards

    Science.gov (United States)

    Massanes, Francesc; Cadennes, Marie; Brankov, Jovan G.

    2011-07-01

    We describe and evaluate a fast implementation of a classical block-matching motion estimation algorithm for multiple graphical processing units (GPUs) using the compute unified device architecture computing engine. The implemented block-matching algorithm uses summed absolute difference error criterion and full grid search (FS) for finding optimal block displacement. In this evaluation, we compared the execution time of a GPU and CPU implementation for images of various sizes, using integer and noninteger search grids. The results show that use of a GPU card can shorten computation time by a factor of 200 times for integer and 1000 times for a noninteger search grid. The additional speedup for a noninteger search grid comes from the fact that GPU has built-in hardware for image interpolation. Further, when using multiple GPU cards, the presented evaluation shows the importance of the data splitting method across multiple cards, but an almost linear speedup with a number of cards is achievable. In addition, we compared the execution time of the proposed FS GPU implementation with two existing, highly optimized nonfull grid search CPU-based motion estimations methods, namely implementation of the Pyramidal Lucas Kanade Optical flow algorithm in OpenCV and simplified unsymmetrical multi-hexagon search in H.264/AVC standard. In these comparisons, FS GPU implementation still showed modest improvement even though the computational complexity of FS GPU implementation is substantially higher than non-FS CPU implementation. We also demonstrated that for an image sequence of 720 × 480 pixels in resolution commonly used in video surveillance, the proposed GPU implementation is sufficiently fast for real-time motion estimation at 30 frames-per-second using two NVIDIA C1060 Tesla GPU cards.

  2. Young Generation Attitudes and Awareness Towards the Implementation of Smart Card in Bahrain: An Exploratory Study

    Directory of Open Access Journals (Sweden)

    Adel I. Al-Alawi

    2006-01-01

    Full Text Available SmartCards are one of the latest additions to the continuing list of advancements and innovations in the world of information and communication technology. A SmartCard resembles in size and shape to a normal credit card or bank ATM card, with a microprocessor chip implanted into the plastic card. These cards are used not just as identity cards, like the earliest versions of such cards, but hold a relatively huge amount of editable information including the card holder's bank data, e-purse, finger print, health record, blood type, traffic and license details and other such vital information. The purpose of this study was to present a general overview of SmartCards, a brief history, features and applications of SmartCards and the introduction of SmartCards in the Kingdom of Bahrain. This study collects some information about the features and related issues regarding the SmartCards which are to be issued to the public. A total of 513 questionnaires were distributed to students of the University of Bahrain. The questions asked included questions to check the acceptance of the people to replace their current cards with a SmartCards and their awareness of the new National SmartCard in Bahrain. It also evaluates the efforts taken by the government to create awareness among the public about the usage and features of the SmartCards.

  3. Optical character recognition of camera-captured images based on phase features

    Science.gov (United States)

    Diaz-Escobar, Julia; Kober, Vitaly

    2015-09-01

    Nowadays most of digital information is obtained using mobile devices specially smartphones. In particular, it brings the opportunity for optical character recognition in camera-captured images. For this reason many recognition applications have been recently developed such as recognition of license plates, business cards, receipts and street signal; document classification, augmented reality, language translator and so on. Camera-captured images are usually affected by geometric distortions, nonuniform illumination, shadow, noise, which make difficult the recognition task with existing systems. It is well known that the Fourier phase contains a lot of important information regardless of the Fourier magnitude. So, in this work we propose a phase-based recognition system exploiting phase-congruency features for illumination/scale invariance. The performance of the proposed system is tested in terms of miss classifications and false alarms with the help of computer simulation.

  4. Social Business

    Directory of Open Access Journals (Sweden)

    Maria Cristina ENACHE

    2015-09-01

    Full Text Available The field of social business is growing rapidly and attracting increased attention from many sectors. The term itself shows up frequently in the media, is referenced by public officials, have become common on universities. The reasons behind the popularity of social entrepreneurship are many. On the most basic level, there’s something inherently interesting and appealing about entrepreneurs and the stories of why and how they do what they do. The interest in social entrepreneurship transcends the phenomenon of popularity and fascination with people. Social entrepreneurship signals the imperative to drive social change, and it is that potential payoff, with its lasting, transformational benefit to society, that sets the field and its practitioners apart. Although the potential benefits offered by social entrepreneurship are clear to many of those promoting and funding these activities, the actual definition of what social entrepreneurs do to produce this order of magnitude return is less clear. In fact, we would argue that the definition of social entrepreneurship today is anything but clear. As a result, social entrepreneurship has become so inclusive that it now has an immense tent into which all manner of socially beneficial activities fit. In some respects this inclusiveness could be a good thing. If we can achieve a rigorous definition, then those who support social entrepreneurship can focus their resources on building and strengthening a concrete and identifiable field. Absent that discipline, proponents of social entrepreneurship run the risk of giving the skeptics an ever-expanding target to shoot at, and the cynics even more reason to discount social innovation and those who drive it.

  5. The business of petroleum exploration

    International Nuclear Information System (INIS)

    This book contains the proceedings of the Business of Petroleum Exploration. The following topics are included: Petroleum business; Economic aspects of the business; Managing business; and Legal, Political, Ethical and environment aspects of the business

  6. Rh-flash acquisition card; Carte d'acquisition rh-flash

    Energy Technology Data Exchange (ETDEWEB)

    Bourrion, O. [Institut des Sciences Nucleaires, IN2P3-CNRS, Universite Joseph Fourier, 53, Avenue des Martyrs, F-38026 Grenoble Cedex (France)

    2003-07-01

    The rh-flash card main purpose is to convert and store the image of the analog data present at input into an output buffer, namely in a given timing window besides a stop signal (like a digital oscilloscope). It is conceived in VME format 1U wide with an additional connector. Novelty of this card is its ability to sample at a high frequency, due to flash coders, and this at a high repetition rate. To do that the card allows the storage of the data considered 'useful' and that is done by storing only the data exceeding a certain threshold. This can be useful for instance for viewing peaks in a spectrum, and obtaining their relative location. The goal is to stock and process the data sampled before and after the arrival of a stop signal (what entails a storage depth). A threshold is defined and any peak exceeding its level will really be stored in the output buffer which is readable through the VME bus. The peak values will be stored as well as m preceding and n subsequent values (both programmable). Obviously, if the threshold is zero the system of data processing is off and all data will be stored. The document is structured on six sections titled: 1. Description; 2. Specifications; 3. Explaining the design of channels; 4. Explaining the shared part of the design; 5. Addressing ({yields} user guide); 6. Software precautions. (author)

  7. Befuddling Business Casual

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    @@ "Business casual"has taken on a negative ring,though the English call it "smart casual"which sounds a little more stylish.Popularized by IT businesses as an alternative to"international standard business attire,"business casual holds Steve Jobs and Bill Gates up as its paragons.

  8. Change is in the Cards: Competition in the Canadian Debit Card Market

    OpenAIRE

    Philippe Bergevin

    2010-01-01

    As new entrants arrive in Canada’s debit card market, rule changes are needed to ensure a level playing field, and to enhance the potential benefits of competition for consumers and merchants. In a study released today, the author assesses the implications of the rapidly changing debit payment landscape. Bergevin makes recommendations for action to ensure that consumers and merchants are protected and that the system can evolve to serve them even better.

  9. The economics of payment card fee structure: policy considerations of payment card rewards

    OpenAIRE

    Fumiko Hayashi

    2008-01-01

    This paper considers possible public policies that could improve efficiency and welfare distribution in the U.S. retail payments industry. Mainly, four options, i) encouraging competition; ii) allowing merchants to surcharge; iii) regulating merchant fees; and iv) regulating payment card rewards, are discussed, but each option has advantages and disadvantages. Any single option may not achieve the policymakers' objective; rather, combining several policy options may be required. ; Also issued...

  10. Business plan competition

    CERN Document Server

    2007-01-01

    "Venture – Companies for tomorrow" is a business plan competition, which supports students and other junior entrepreneurs in developing their business plans. The sixth edition of the competition is now taking place. Venture 2008 highlights: - prize money totalling CHF 150’000; - possibility to optimize business ideas and business plans with the help of experienced coaches: around 200 coaches are available, with a wide range of backgrounds, entrepreneurs as well as venture capitalists; -\tpossibility to present business ideas and business plans to potential investors ("Investor Days" - 17 January and 7 May); - active involvement in the start-up community; -\tcontribution to potential independence. The competition consists of two phases: Phase I, Business idea, Deadline for submission of business idea: 5 December 2007 (online at http://www.venture.ch). Award Ceremony: 17 January 2008 Phase II, Business plan Deadline for submission of business plan: 2 April 2008 (online at...

  11. The Donation-Payment Gift Card Concept: how to give twice with one card

    CERN Document Server

    Crane, R; Sornette, D

    2005-01-01

    Standard economic theory, starting with Adam Smith's invisible hand, holds that those who trade for their own selfish motives of maximizing their private preferences may contribute more to the public wealth than those who claim altruistic motives. Under restrictive conditions, this has been shown to result from a self-organizing mechanism acting at the global system level, which ensures that optimal allocation of resources derives from competition within the rule of law. In a nutshell, according to this view, being competitively selfish adds value for all. But to what degree can doing good add competitive value to products and services? We propose the creation of the Donation-Payment card as a solution to the legal and moral issues plaguing the emerging anonymous, direct-to-consumer, stored-value prepaid (SVP) card market. Our proposal to redirect millions of dollars whose status is in conflict not only improves society and empowers people, but also represents the best free-market solution to the SVP-Cards in...

  12. ACAA fly ash basics: quick reference card

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2006-07-01

    Fly ash is a fine powdery material created when coal is burned to generate electricity. Before escaping into the environment via the utility stacks, the ash is collected and may be stored for beneficial uses or disposed of, if necessary. The use of fly ash provides environmental benefits, such as the conservation of natural resources, the reduction of greenhouse gas emissions and eliminating the needed for ash disposal in landfills. It is also a valuable mineral resource that is used in construction and manufacturing. Fly ash is used in the production of Portland cement, concrete, mortars and stuccos, manufactured aggregates along with various agricultural applications. As mineral filler, fly ash can be used for paints, shingles, carpet backing, plastics, metal castings and other purposes. This quick reference card is intended to provide the reader basic source, identification and composition, information specifically related to fly ash.

  13. The ProCard mobile banking system

    Directory of Open Access Journals (Sweden)

    2007-01-01

    Full Text Available The mobile banking involves the use of some mobile telecommunication devices (such phones or PDAs - Personal Digital Assistants in order to complete, in a secure manner, banking transactions (like payments, transfers, account information and so on. It doesn't matter where the user is physically located. Also, the hour when the services are requested is not important anymore, because, thanks to the internet banking, the offices are virtually opened 24 hours per day. The ProCard system represents a suite of applications used to perform mobile banking. It was intended to be a universal solution that allows EFT, Internet and mobile banking in a single package. No special software or hardware is required

  14. Credit Card Risk Behavior on College Campuses: Evidence from Brazil

    Directory of Open Access Journals (Sweden)

    Wesley Mendes-da-Silva

    2012-07-01

    Full Text Available College students frequently show they have little skill when it comes to using a credit card in a responsible manner. This article deals with this issue in an emerging market and in a pioneering manner. University students (n = 769 in São Paulo, Brazil’s main financial center, replied to a questionnaire about their credit card use habits. Using Logit models, associations were discovered between personal characteristics and credit card use habits that involve financially risky behavior. The main results were: (a a larger number of credit cards increases the probability of risky behavior; (b students who alleged they knew what interest rates the card administrators were charging were less inclined to engage in risky behavior. The results are of interest to the financial industry, to university managers and to policy makers. This article points to the advisability, indeed necessity, of providing students with information about the use of financial products (notably credit cards bearing in mind the high interest rates which their users are charged. The findings regarding student behavior in the use of credit cards in emerging economies are both significant and relevant. Furthermore, financial literature, while recognizing the importance of the topic, has not significantly examined the phenomenon in emerging economies.

  15. Investigating customer racial discrimination in the secondary baseball card market.

    Science.gov (United States)

    Primm, Eric; Piquero, Nicole Leeper; Piquero, Alex R; Regoli, Robert M

    2011-01-01

    A growing body of literature in a variety of disciplines has appeared over the last 20 years examining customer racial bias in the secondary sports card market; however, consensus on the matter has yet to emerge. In this article, we explore the more subtle ways that a player's race/ethnicity may affect the value of his sports card including a player's skin tone (light- to dark-skinned). Data were obtained for 383 black, Latino, and white baseball players who had received at least one vote for induction into Major League Baseball's Hall of Fame including their career performance statistics, rookie card price, card availability, Hall of Fame status, and skin tone. Findings indicate that card availability is the primary determinant of card value while a player's skin tone has no direct effect. Subsequent analysis demonstrates that a player's race (white/non-white) rather than skin tone did have an effect as it interacts with Hall of Fame status to influence his rookie card price. PMID:21337740

  16. Social Business Models

    OpenAIRE

    Maria Cristina Enache; Corina Sbughea

    2015-01-01

    A Social Business embraces networks of people to create business value. A Social Business connects people to expertise. It enable individuals – whether customers, partners or employees – to form networks to generate new sources of innovation, foster creativity, and establish greater reach and exposure to new business opportunities. It establishes a foundational level of trust across these business networks and, thus, a willingness to openly share information. It empowers these networks with t...

  17. Business Gift Giving Etiquette

    OpenAIRE

    Paris, Dubravka

    2015-01-01

    Business world today is faced with cultural similarities and cultural gaps. Every business person should be familiar with the business etiquette, in order to avoid a cultural faux pas. The topic of this paper is business gift giving in various parts of the world with the special emphasis on the English speaking countries. It comprises the basic rules of business gift giving etiquette, the types of gifts, especially the difference between the gifts for clients, the gifts for employees and the ...

  18. Business and Human Rights

    DEFF Research Database (Denmark)

    Buhmann, Karin

    2015-01-01

    This article analyses the United Nations (UN) Guidelines on Business and Human Rights adopted in 2011 by the UN Human Rights Council from the perspective of transnational business governance interactions (TBGI) analytical framework.1 The article identifies and discusses dimensions of interaction...... Principles are unique in several areas of relevance to transnational business governance interaction and indicates the relevance of the TBGI approach to public regulatory transnational business governance initiatives. The analysis of the Guiding Principles as interactional transnational business governance...

  19. Interaction between NOD2 and CARD9 involves the NOD2 NACHT and the linker region between the NOD2 CARDs and NACHT domain.

    Science.gov (United States)

    Parkhouse, Rhiannon; Boyle, Joseph P; Mayle, Sophie; Sawmynaden, Kovilen; Rittinger, Katrin; Monie, Tom P

    2014-08-25

    NOD2 activation by muramyl dipeptide causes a proinflammatory immune response in which the adaptor protein CARD9 works synergistically with NOD2 to drive p38 and c-Jun N-terminal kinase (JNK) signalling. To date the nature of the interaction between NOD2 and CARD9 remains undetermined. Here we show that this interaction is not mediated by the CARDs of NOD2 and CARD9 as previously suggested, but that NOD2 possesses two interaction sites for CARD9; one in the CARD-NACHT linker and one in the NACHT itself. PMID:24960071

  20. 12 CFR 717.91 - Duties of card issuers regarding changes of address.

    Science.gov (United States)

    2010-01-01

    ... regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card... means a member who has been issued a credit or debit card. (2) Clear and conspicuous means reasonably... for a member's debit or credit card account and, within a short period of time afterwards (during...