WorldWideScience

Sample records for plastic credit card

  1. Credit: Educational Loans, Money Management, Credit Cards

    Science.gov (United States)

    Nation's Schools and Colleges, 1974

    1974-01-01

    Brief notes discuss current developments such as a bank loan program for parents with university-age children; a high school student-run credit union; and charging education fees with credit cards. (JF)

  2. 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…

  3. Bankruptcy Reform and Credit Cards

    National Research Council Canada - National Science Library

    Michelle J. White

    2007-01-01

    .... Personal bankruptcy filings fell to 600,000 in 2006. This paper explores why personal bankruptcy rates rose, and will argue that the main reason is the growth of "revolving debt"--mainly credit card debt...

  4. 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…

  5. Credit cards: weapons for domestic violence

    National Research Council Canada - National Science Library

    Kim, Christine

    2015-01-01

      "15 Although debt is not a recent invention,16 over the past twenty years, credit cards and other consumer products have become easier to obtain, making coerced debt a more viable instrument for abusers...

  6. 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...

  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. Credit and Debit Card Usage and Cash Flow Management Control ...

    African Journals Online (AJOL)

    First Lady

    understanding on the impact of use of debit and credit cards on customers‟ ... credit cards in developing countries which are yet to advance in technology. ... Their study attributed the expectations of future financial positions as a major.

  9. 77 FR 75410 - Request for Information Regarding Credit Card Market

    Science.gov (United States)

    2012-12-20

    ... PROTECTION Request for Information Regarding Credit Card Market AGENCY: Bureau of Consumer Financial... Financial Protection (Bureau) to conduct a review (Review) of the consumer credit card market, within the... the public about a number of aspects of the consumer credit card market, which are described...

  10. 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.

  11. Indian Kisan Credit Card Scheme: An Analytical Study

    Directory of Open Access Journals (Sweden)

    Dharmendra Mehta

    2016-03-01

    Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.

  12. Indian Kisan Credit Card Scheme: An Analytical Study

    Directory of Open Access Journals (Sweden)

    Dharmendra Mehta

    2016-03-01

    Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.

  13. 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...

  14. 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.

  15. 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.

  16. 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.

  17. Formal and Informal Regulations for Credit Card Payment Services

    OpenAIRE

    Guzin Gulsun Akin; Ahmet Faruk Aysan; Gültekin Gollu; Levent Yildiran

    2013-01-01

    The Turkish credit card market has recently undergone two important formal regulations: the interchange fee regulation in 2005 and the interest rate regulation in 2006. Banks started to charge annual fees to cardholders after the interest rate regulation, before which credit card ownership was costless. This practice sparked a widespread public outcry and legislative activity to control annual fees. Consumer unions vigorously called for regulations. They argued that in response to the fall in...

  18. 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...... to simultaneously hold positive gross debt and positive gross assets even though the interest rate on the debt is much higher than the return rate on the assets. Including a risk of being excluded from new borrowing which is positively correlated with unemployment, we are able to simultaneously explain...

  19. Structural Equality Model Study for Credit Card Attitude Scale

    Directory of Open Access Journals (Sweden)

    Nuray GİRGİNER

    2011-06-01

    Full Text Available The aim of this study is to search for the validity and reliability of the Credit Card Attitude Scale developed by Girginer and her team (2008 grounding on the scale which had been formed by Hayhoe and his team (1999 with the help of Confirmatory Factor Analysis (CFA. The scale in question had been modified for the high education students living in Turkey. Data of the survey made in 2008 was used in this study, too. Findings of the study exhibited that validity degree of the scale with four dimensions formed by CFA was higher than the validity degree of the scale with five dimensions formed by Explanatory Factor Analysis. Goodness of fit indicators calculated for the structural model took place in the goodness of fit limits. The Structural Equation Model (SEM established with the idea that the attitudes towards credit card usage in anxiety, cognitive and affective dimensions affected credit card usage behaviours, was found to be significant statistically. According to the results of the SEM, anxiety attitudes have the greatest positive effect (0.53 on the behaviours. Also it was found that students have tendency to use more credit cards of different kinds for decreasing their financial risks when their anxieties related with credit card usage get more and more.

  20. BEHAVIOR BASED CREDIT CARD FRAUD DETECTION USING SUPPORT VECTOR MACHINES

    Directory of Open Access Journals (Sweden)

    V. Dheepa

    2012-07-01

    Full Text Available Along with the great increase of internet and e-commerce, the use of credit card is an unavoidable one. Due to the increase of credit card usage, the frauds associated with this have also increased. There are a lot of approaches used to detect the frauds. In this paper, behavior based classification approach using Support Vector Machines are employed and efficient feature extraction method also adopted. If any discrepancies occur in the behaviors transaction pattern then it is predicted as suspicious and taken for further consideration to find the frauds. Generally credit card fraud detection problem suffers from a large amount of data, which is rectified by the proposed method. Achieving finest accuracy, high fraud catching rate and low false alarms are the main tasks of this approach.

  1. 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.)

  2. 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.)

  3. Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

    Science.gov (United States)

    Field, Kelly

    2009-01-01

    Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

  4. 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.

  5. Is There Profit in China's Foreign Credit Card Market?

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Recently, a survey by Lafferty Group, a provider of business information on global retail banking, has attracted much attention in China. The survey claims that Western banks that are rushing into the Chinese credit card market may find that it's impossible for them to make profits in China before 2010.

  6. Non-price competition in credit card markets through bundling and bank level benefits

    OpenAIRE

    Akin, Guzin Gulsun; Aysan, Ahmet Faruk; Kara, Gazi Ishak; Yildiran, Levent

    2008-01-01

    The attempts to explain the high and sticky credit card rates have given rise to a vast literature on credit card markets. This paper endeavors to explain the rates in the Turkish market using measures of non-price competition. In this market, issuers compete monopolistically by differentiating their credit card products. The fact that credit cards and all other banking services are perceived as a bundle by consumers allows banks to deploy also bank level characteristics to differentiate thei...

  7. Credit cues and impression management: a preliminary attempt to explain the credit card effect.

    Science.gov (United States)

    McCall, Michael; Trombetta, Jessica; Gipe, Aimee

    2004-08-01

    Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

  8. Credit Card Fraud: The study of its impact and detection techniques

    Directory of Open Access Journals (Sweden)

    Khyati Chaudhary

    2012-08-01

    Full Text Available With the rise and swift growth of E-Commerce, credit card usesfor online purchases has increased dramatically and it causedsudden outbreak in the credit card fraud. Fraud is one of themajor ethical issues in the credit card industry. With both onlineas well as regular purchase, credit card becomes the most popularmode of payment with cases of fraud associated with it are alsoincreasing. A clear framework on all these approaches willcertainly lead to an efficient credit card fraud detection system.Currently, for simplicity reasons, all the base learners for creditcard fraud detection use the same desired distribution. It would beinteresting to implement and evaluate the credit card frauddetection system by using very large databases with skewed classdistributions and non-uniform cost per error. This paper presentsa analysis of cost incurred in credit card fraud detection on dataset.

  9. Can credit cards with access to complimentary credit score information benefit consumers and lenders?

    OpenAIRE

    Mikhed, Vyacheslav

    2015-01-01

    Barclaycard U.S. is one of a growing number of banks offering cardholders free access to their FICO® Credit Scores with credit card products. On November 19, 2014, Paul Wilmore of Barclaycard U.S. presented Barclays’ rationale for offering this feature and provided his perspective on its development. He also discussed how consumers responded to this feature in terms of their spending, repayment behavior, and lifespan and intensity of their relationship with the bank. According to Wilmore, pro...

  10. Compulsive buying and credit card misuse among credit card holders: The roles of self-esteem, materialism, impulsive buying and budget constraint

    Directory of Open Access Journals (Sweden)

    Nor Asiah Omar

    2014-02-01

    Full Text Available Purpose: This study aims to examine the factors that influence credit card misuse among working adults in Klang Valley, Malaysia. The relationship among self-esteem, materialism, impulsive buying, budget constraint, compulsive buying and credit card misuse are explored in this study. Design/methodology/approach: A total of 186 questionnaires was collected via convenience sampling from credit card users of working adults in Malaysia. A structural equation model that assesses the relationship between the proposed variables is tested using AMOS 20. Findings: The findings reveal that budget constraints, impulsive buying and materialism have a statistically significant influence on compulsive buying. In terms of credit card misuse, it is influenced negatively by self-esteem while positively by compulsive buying. Originality/value: Despite vast research on compulsive buying and credit card misuse, very few studies have examined it in the non-Western context.

  11. Financial Literacy and Credit Card Behaviors: A Cross-Sectional Analysis by Age

    Directory of Open Access Journals (Sweden)

    Sam Allgood

    2013-07-01

    Full Text Available In this study, we use a measure of financial literacy that includes both a test score of actual financial literacy and a self-rating of perceived financial literacy to investigate how financial literacy affects five credit card behaviors: (1 always paying a credit card balance in full; (2 carrying over a credit card balance and being charged interest; (3 making only a minimum payment on a credit card balance; (4 being charged a fee for a late payment; and (5 being charged a fee for exceeding a credit limit. Probit analysis was used to assess each behavior with a large nationally representative sample of U.S. adults (N = 28,146 divided into groups to reflect the five major decades in the adult life cycle (18–29; 30–39; 40–49; 50–59; and 60–69 and older. Perceived financial literacy was found to be a stronger predictor of less costly practices in credit card use than actual financial literacy for the five credit card behaviors and across each of the five age groups. The study also shows that the combination of the subjective assessment with the objective assessment of financial literacy provides a more comprehensive analysis of how financial literacy affects each credit card behavior. This combined approach to assessment produced the largest estimates of the effects of financial literacy on credit card behavior. The findings hold across the five credit card behaviors and the five age groups.

  12. Explaining intention to use the Islamic credit card: an extension of the TRA model

    OpenAIRE

    Hanudin, Amin

    2012-01-01

    Abstract Purpose – The Islamic credit card is a type of banking product offered by Islamic banks. Given the importance to the Islamic credit card to Islamic banks, the study is aimed at identifying the factors determining the Malaysian bank customers’ behavioral intention to use the Islamic credit card. Design/methodology/approach – Drawing upon the Theory of Reasoned Action (the TRA model), this study proposes a modified model to examine the acceptance factors of attitude, subjective ...

  13. The Failure of Price Competition In The Turkish Credit Card Market

    OpenAIRE

    Akin, Guzin Gulsun; Aysan, Ahmet Faruk; Kara, Gazi Ishak; Yildiran, Levent

    2008-01-01

    The failure of competition and the consequent high and sticky interest rates in credit card markets have been the subject of a considerable amount of debate and research lately. This paper presents the first regression testing for the existence of price competition in a credit card market to be estimated free of dynamic panel bias using recent quarterly data from Turkey. The estimation reveals that even though the effect of the cost of funds on credit card rates is statistically significant, ...

  14. Financial Literacy and Credit Card Behaviors: A Cross-Sectional Analysis by Age

    OpenAIRE

    Sam Allgood; William Walstad

    2013-01-01

    In this study, we use a measure of financial literacy that includes both a test score of actual financial literacy and a self-rating of perceived financial literacy to investigate how financial literacy affects five credit card behaviors: (1) always paying a credit card balance in full; (2) carrying over a credit card balance and being charged interest; (3) making only a minimum payment on a credit card balance; (4) being charged a fee for a late payment; and (5) being charged a fee for excee...

  15. In Our Best Interest: Women, Financial Literacy, and Credit Card Behavior

    Directory of Open Access Journals (Sweden)

    Gary R. Mottola

    2013-07-01

    Full Text Available Data from the FINRA Foundation National Financial Capability Study revealed that women with low levels of financial literacy were more likely to engage in costly credit card behaviors—like incurring late and over-the-limit fees—than men with low financial literacy. There were, however, no differences in behavior between men and women with high financial literacy. Further, women and low financial literacy respondents reported paying higher interest rates on their credit cards. These findings suggest that increasing financial literacy may help reduce some gender-based differences in credit card behavior and lower credit card interest rates for both men and women.

  16. Preventing the threat of credit-card fraud: Factors influencing cashiers' identification-checking behavior.

    Science.gov (United States)

    Downing, Christopher; Howard, E Henry; Goodwin, Christina; Geller, E Scott

    2016-01-01

    Two studies examined factors influencing cashiers' identification (ID)-checking behavior in order to inform the development of interventions to prevent credit-card fraud. In both studies, research assistants made credit purchases in various stores and noted the cashiers' ID-checking behavior. In the first study, the store type, whether the cashier swiped the credit/debit card, the amount of the purchase, and whether the credit/debit card was signed significantly influenced ID-checking behavior. In the second study, an A-B-A design was used to evaluate the impact of a "Check my ID" prompt placed on the credit/debit card. The prompt increased cashiers' ID-checking behavior from 5.9% at Baseline to 10.3% during the Intervention. When the prompt was removed, the cashiers' ID-checking behavior decreased to 7.2%. Implications for further intervention research to prevent credit-card fraud are discussed.

  17. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 542.409 Section 542.409 Money and Finance: Treasury Regulations Relating.... financial institutions from performing under any existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a...

  18. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 548.409 Section 548.409 Money and Finance: Treasury Regulations Relating.... financial institutions from performing under any existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a...

  19. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 543.409 Section 543.409 Money and Finance: Treasury Regulations Relating.... financial institutions from performing under any existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a...

  20. 31 CFR 587.408 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 587.408 Section 587.408 Money and Finance: Treasury Regulations Relating... Credit extended and cards issued by U.S. financial institutions. Section 587.201 on dealing in property..., debit cards, or other credit facilities issued by a U.S. financial institution to a person designated...

  1. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 541.408 Section 541.408 Money and Finance: Treasury Regulations Relating.... financial institutions from performing under any existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a...

  2. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 546.409 Section 546.409 Money and Finance: Treasury Regulations Relating.... financial institutions from performing under any existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a...

  3. Usage of Credit Cards Received through College Student-Marketing Programs

    Science.gov (United States)

    Barron, John M.; Staten, Michael E.

    2004-01-01

    This article provides benchmark measures of college student credit card usage by utilizing a pooled sample of over 300,000 recently opened credit card accounts. The analysis compares behavior over 12 months of account history for three groups of accounts: those opened by young adults through college student marketing programs; those opened through…

  4. Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research?

    Science.gov (United States)

    Manning, Robert D.; Kirshak, Ray

    2005-01-01

    Professors John M. Barron and Michael E. Staten's article in Vol. 34, No. 3 of this journal, "Usage of Credit Cards Received through College Student-Marketing Programs," purports to "provide benchmark measures of college student credit card usage." Based on empirical analyses of proprietary industry data, they conclude that "There is no…

  5. Consumer Finance: College Students and Credit Cards. Report to Congressional Requesters.

    Science.gov (United States)

    D'Agostino, Davi M.

    In response to a request from the House of Representatives, employees of the General Accounting Office conducted structured interviews with about 100 officials at 12 universities and colleges around the United States about several issues related to college students and credit cards. They also reviewed three studies of credit card use by college…

  6. Factors Affecting the Behavior of University Community to Use Credit Card

    Directory of Open Access Journals (Sweden)

    Maya Sari

    2011-12-01

    Full Text Available This study was aimed to gain insights and tested the factors that influence credit cards usage in university community of UPI through Theory of Planned Behavior model approach. Using Path Analysis to explain the direct and indirect influence of attitude, subjective norm and behavioral control to intention and behavior of credit card usage. The results showed all respondents have a positive attitude towards credit cards usage, with high influence of subjective norm, high behavior control, high intention to use credit cards and all respondents used credit cards wisely. There was positive and significant effect either simultaneously or partially between behavioral attitudes, subjective norms, and behavior control toward the intention to use credit card. The partial test results showed behavioral attitude has the greatest influence on the intention to use credit card. There was a positive and significant influence both simultaneously and partially between behavioral attitudes, subjective norms, and behavioral control on default-risk debt behavior. The partial results showed that attitude gives the greatest influence on default debt risk behavior. The result also proved there was a positive and significant influence of the intention to use credit card on default debt risk behavior.

  7. Self-esteem, money attitude, credit card usage, and compulsive buying behaviour

    Directory of Open Access Journals (Sweden)

    Megawati Simanjuntak

    2016-10-01

    Full Text Available The study aims to analyze the impact of self-esteem, money attitude, and credit card usage behaviour on compulsive buying behaviour of working women. The study usescross sectional design with electronic survey methods (e-survey involves 60 working women that use credit card. The Pearson correlation and multiple regression analysis are used as statistical tools. The result indicates that power prestige, anxiety, retention-time, and credit card usage behaviour significantly correlate to compulsive buying behaviour. Furthermore, compulsive buying behaviour is positively influenced by credit card usage behaviour. This paper suggests the Indonesian government to provide consumers education on aspects of financial planning and using credit card properly. 

  8. Online Credit Card Transaction Using Finger Print Recognition

    Directory of Open Access Journals (Sweden)

    S.Sivasubramanian

    2010-10-01

    Full Text Available Internet shopping, a strong alternative to traditional “go, see, touch and buy” shopping, has been one of the mostly used facilities of the Internet. Security in online payment systems has been a wide research area since the early days of the Internet and several approaches have been devised by various Organizations. But, none of the system overcome the weakness in those system. Several online shopping systems serve internet users all around the world and enable people to get the products they need with a small effort. This paper proposes a new solution that combines finger print recognition with online credit card transactions. Here the proposed system provides more security then existing system with finger print recognitionbecause of finger print is unique. Here no need to remember the more passwords, your finger is your password.

  9. Forecasting credit card portfolio losses in the Great Recession: a study in model risk

    OpenAIRE

    Canals-Cerda, Jose J.; Kerr, Sougata

    2014-01-01

    Credit card portfolios represent a significant component of the balance sheets of the largest US banks. The charge‐off rate in this asset class increased drastically during the Great Recession. The recent economic downturn offers a unique opportunity to analyze the performance of credit risk models applied to credit card portfolios under conditions of economic stress. Specifically, we evaluate three potential sources of model risk: model specification, sample selection, and stress scenario se...

  10. Attitudes of Consumers Towards Islamic and Conventional Credit Cards in Indonesia

    Directory of Open Access Journals (Sweden)

    Sylva Alif Rusmita

    2017-07-01

    Full Text Available This study aims to analyze the attitudes of consumers towards Islamic and conventional credit cards. Using online questionnaire survey data from 51 respondents in Surabaya, East Java, the study revealed that most consumers possessed credit cards because of their convenience factor, relationship with their existing bank, and card salesmen. Therefore, the sale is the most powerful way to invite the community to have an Islamic credit card. Many customers do not care whether their credit cards are Islamic based or not, as long as the salesman promoted cards to them and the cards are able to meet their personal needs, especially for sales and purchase transactions online, they will utilize the cards. The large number of Muslims in Surabaya should be a share of the lucrative market for Islamic credit cards. Therefore, the education about the Islamic manner of consumption and the dangers of usury should be promoted in Surabaya.DOI: 10.15408/etk.v16i2.5519

  11. Non-Price Competition in Credit Card Markets: Evidence from an Emerging Economy

    OpenAIRE

    G. Gülsün Akın; Ahmet Faruk Aysan; Gazi Ishak Kara; Levent Yildiran

    2009-01-01

    Credit card rates have been shown to be very high and non-responsive to the changes in the costs of funds. The failure of price competition led to a shift of interests from price to non-price competition in these markets. Credit card issuers create switching costs for their customers by providing non-price benefits. These benefits are either direct benefits that depend on credit card usage or indirect benefits that arise from the convenience and quality of the general services of the issuer b...

  12. CARDHOLDERS' ATTITUDE AND BANK CREDIT CARD USAGE IN MALAYSIA: AN EXPLORATORY STUDY

    Directory of Open Access Journals (Sweden)

    Aizzat Mohd. Nasurdin

    2002-01-01

    Full Text Available The study is aimed at validating attributes that influence the differences in attitudes among active and inactive cardholders. By focusing on relevant attributes that have been identified, it is believed that credit card issuing banks can position themselves effectively via their marketing strategies to activate their existing cardholders' usage rate as well as to attract new active cardholders. Thirteen important attributes were used to measure credit cardholders' attitude. These attributes include acceptance level, credit limit, interest-free repayment period, annual fee, application approval period, ancillary functions, handling of cardholders' complaints, issuing bank image, gift/bonus to new applicants, card design, leaflet to describe the card,and advertising by the issuing bank. Acceptance level, credit limit, interest free repayment period, ancillary functions, handling of cardholders' complaints, bank image, and bank advertising were found to be the most important attributes that influenced cardholders' attitudes in distinguishing active from inactive cardholders. Based on the results of the study, several suggestions are forwarded to credit card issuing banks as a step to stimulate credit cardholders' usage level. Among these are to work closer with various retailers to promote the credit card payment mode, to provide adequate credit limit to cardholders, to extend interest free repayment period from 20 days to 30 days, to implement strategic alliances with firms involved in travelling, entertainment, insurance, and telecommunications and, to advertise more so as to create a brand name for the issuing bank.

  13. Buy It Now and Pay for It Later: An Experimental Study of Student Credit Card Use

    Science.gov (United States)

    Fagerstrom, Asle; Hantula, Donald A.

    2013-01-01

    Credit card debt is of increasing concern among college students, but reasons for it are not well understood. In a simulated shopping experiment based on a hyperbolic discounted utility model, 21 participants could either save money for a new model of their favorite mobile phone brand and get it in the future or buy the product on credit and get…

  14. Buy It Now and Pay for It Later: An Experimental Study of Student Credit Card Use

    Science.gov (United States)

    Fagerstrom, Asle; Hantula, Donald A.

    2013-01-01

    Credit card debt is of increasing concern among college students, but reasons for it are not well understood. In a simulated shopping experiment based on a hyperbolic discounted utility model, 21 participants could either save money for a new model of their favorite mobile phone brand and get it in the future or buy the product on credit and get…

  15. STANDARDIZATION AND APPLICATION OF PLASTIC CARDS IN THE EDUCATIONAL SYSTEMS

    Directory of Open Access Journals (Sweden)

    Polina V. Baranova

    2015-01-01

    Full Text Available The application of plastic cards has been widely increasing in various fields of life, business and education. They have already become up-to-date and convenient attribute of our daily life. There are emerging more and more areas where they can be used in a convenient and practical way. Contactless smart cards can be used in access control in the educational systems. This article gives an overview of existing standards dealing with contactless identification smart-cards. All standards covered in this article are developed by the Federal State Unitary Enterprise VNIINMASH jointly with TC 22 «Information Technology» based on their own authentic Russian translation of international standards. 

  16. Comment on McCall, Trombetta, and Gipe's 2004 proposed impression management explanation for the credit card effect.

    Science.gov (United States)

    Spangenberg, Eric R

    2005-08-01

    There is a dearth of empirically supported theoretical explanation since its introduction; Feinberg's 1986 credit card effect showed greater product valuations and donation intentions by experimental participants when asked to make such estimates in the presence of credit card stimuli. This comment on McCall, Trombetta, and Gipe (2004) notes potential flaws and adjudged over-interpretation of results in their attempt to replicate successfully and derive theoretical explanation for the credit card effect.

  17. CLUB FORMATION MECHANISM FOR TRANSPORT-COMMUNITY CREDIT CARDS

    Science.gov (United States)

    Ding, Yue; Kobayashi, Kiyoshi; Nishida, Junji; Yoshida, Mamoru

    In this paper, the roles of transport-community cards jointly issued by a public transport firm and retails are investigated as a means to vitalize an obsolescence shopping center located in a middle of a city. When both the price of goods supplied by the retails and the transport fares affect the consumers' behavior, there exist pecuniary externality between the behaviors of the retails and transport firms. The introduction of a transport-community cards system enables to integrate a basket of goods and transport service into a single commodity; thus, the pecuniary externality can be internalized by price coordination. In addition, the paper clarifies theoretically that the transport firm initiatively decides the price of the transportation service and the retails transfer their incomes to the transport firm so that they are induced to jointly issue the transport-community cards.

  18. Credit Card Misuse, Money Attitudes, and Compulsive Buying Behaviors: A Comparison of Internal and External Locus of Control (LOC) Consumers

    Science.gov (United States)

    Watson, Stevie

    2009-01-01

    This study examined attitudinal and behavioral differences between internal and external locus of control (LOC) consumers on credit card misuse, the importance of money, and compulsive buying. Using multiple analysis of variance and separate analyses of variance, internal LOC consumers were found to have lower scores on credit card misuse and…

  19. Credit Card Misuse, Money Attitudes, and Compulsive Buying Behaviors: A Comparison of Internal and External Locus of Control (LOC) Consumers

    Science.gov (United States)

    Watson, Stevie

    2009-01-01

    This study examined attitudinal and behavioral differences between internal and external locus of control (LOC) consumers on credit card misuse, the importance of money, and compulsive buying. Using multiple analysis of variance and separate analyses of variance, internal LOC consumers were found to have lower scores on credit card misuse and…

  20. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Science.gov (United States)

    2010-01-01

    ...-taxable business combinations. A deferred tax liability that is specifically related to an intangible asset (other than purchased credit card relationships) arising from a nontaxable business combination may be netted against this intangible asset. The net amount of the intangible asset must be...

  1. Money Attitudes, Credit Card Use, and Compulsive Buying among American College Students.

    Science.gov (United States)

    Roberts, James A.; Jones, Eli

    2001-01-01

    Causal modeling of data from 406 college students who completed the Money Attitudes Scale showed that power-prestige, distrust (price sensitivity), and anxiety were significantly related to compulsive buying. Credit card use strengthened the relationship between these attitudes and compulsive buying. (SK)

  2. FraudMiner: A Novel Credit Card Fraud Detection Model Based on Frequent Itemset Mining

    Directory of Open Access Journals (Sweden)

    K. R. Seeja

    2014-01-01

    Full Text Available This paper proposes an intelligent credit card fraud detection model for detecting fraud from highly imbalanced and anonymous credit card transaction datasets. The class imbalance problem is handled by finding legal as well as fraud transaction patterns for each customer by using frequent itemset mining. A matching algorithm is also proposed to find to which pattern (legal or fraud the incoming transaction of a particular customer is closer and a decision is made accordingly. In order to handle the anonymous nature of the data, no preference is given to any of the attributes and each attribute is considered equally for finding the patterns. The performance evaluation of the proposed model is done on UCSD Data Mining Contest 2009 Dataset (anonymous and imbalanced and it is found that the proposed model has very high fraud detection rate, balanced classification rate, Matthews correlation coefficient, and very less false alarm rate than other state-of-the-art classifiers.

  3. FraudMiner: A Novel Credit Card Fraud Detection Model Based on Frequent Itemset Mining

    Science.gov (United States)

    Seeja, K. R.; Zareapoor, Masoumeh

    2014-01-01

    This paper proposes an intelligent credit card fraud detection model for detecting fraud from highly imbalanced and anonymous credit card transaction datasets. The class imbalance problem is handled by finding legal as well as fraud transaction patterns for each customer by using frequent itemset mining. A matching algorithm is also proposed to find to which pattern (legal or fraud) the incoming transaction of a particular customer is closer and a decision is made accordingly. In order to handle the anonymous nature of the data, no preference is given to any of the attributes and each attribute is considered equally for finding the patterns. The performance evaluation of the proposed model is done on UCSD Data Mining Contest 2009 Dataset (anonymous and imbalanced) and it is found that the proposed model has very high fraud detection rate, balanced classification rate, Matthews correlation coefficient, and very less false alarm rate than other state-of-the-art classifiers. PMID:25302317

  4. Identity and privacy. Unique in the shopping mall: on the reidentifiability of credit card metadata.

    Science.gov (United States)

    de Montjoye, Yves-Alexandre; Radaelli, Laura; Singh, Vivek Kumar; Pentland, Alex Sandy

    2015-01-30

    Large-scale data sets of human behavior have the potential to fundamentally transform the way we fight diseases, design cities, or perform research. Metadata, however, contain sensitive information. Understanding the privacy of these data sets is key to their broad use and, ultimately, their impact. We study 3 months of credit card records for 1.1 million people and show that four spatiotemporal points are enough to uniquely reidentify 90% of individuals. We show that knowing the price of a transaction increases the risk of reidentification by 22%, on average. Finally, we show that even data sets that provide coarse information at any or all of the dimensions provide little anonymity and that women are more reidentifiable than men in credit card metadata.

  5. Unique in the shopping mall: On the reidentifiability of credit card metadata

    DEFF Research Database (Denmark)

    de Montjoye, Yves-Alexandre; Radaelli, Laura; Singh, Vivek Kumar

    2015-01-01

    Large-scale data sets of human behavior have the potential to fundamentally transform the way we fight diseases, design cities, or perform research. Metadata, however, contain sensitive information. Understanding the privacy of these data sets is key to their broad use and, ultimately, their impa...... sets that provide coarse information at any or all of the dimensions provide little anonymity and that women are more reidentifiable than men in credit card metadata....

  6. The Effects of Perceived and Actual Financial Knowledge on Credit Card Behavior

    OpenAIRE

    Sam Allgood; William B. Walstad

    2011-01-01

    This study uses a combined measure of financial literacy or financial knowledge that includes both a test score of actual financial knowledge and a self-assessment of overall financial knowledge. The combined measure provides greater understanding about how financial knowledge affects financial behavior. The study uses a large national survey of U.S. adults and households (n=28,146) to investigate how financial knowledge affects typical behaviors related to credit card use. The five behaviors...

  7. Developing an early alert system for metastatic spinal cord compression (MSCC): Red Flag credit cards.

    Science.gov (United States)

    Turnpenney, Jackie; Greenhalgh, Sue; Richards, Lena; Crabtree, Annamaria; Selfe, James

    2015-01-01

    To produce a user-friendly list of metastatic spinal cord compression (MSCC) Red Flags for non-specialist 'generalist' front-line clinicians working in primary-care settings. The issue of identifying MSCC early to prevent serious long-term disability was a key theme identified by the Task and Finish Group at Greater Manchester and Cheshire Cancer Network (GMCCN) in 2009. It was this group who initially brokered and then coordinated the current development as part of their strategic approach to improving care for MSCC patients. A consensus-building approach that considered the essential minimum data requirements to raise the index of suspicion suggestive of MSCC was adopted. This followed a model of cross-boundary working to facilitate the mutual sharing of expertise across a variety of relevant clinical specialisms. A guideline aimed at helping clinicians to identify the early signs and symptoms of MSCC was produced in the form of a credit card. This credit card includes key statements about MSCC, signposting to key sources of additional information and a user-friendly list of Red Flags which has been developed into an eight-item Red Flag mnemonic. To date, an excess of 120,000 cards have been printed by a variety of organisations and the distribution of the cards is ongoing across the United Kingdom and the Republic of Ireland.

  8. The Criminal Offense of Credit/Debit Card Fraud and the Implementation of Its Sanction on Indonesian Criminal Law

    Directory of Open Access Journals (Sweden)

    Antonius Maria Laot Kian

    2015-04-01

    Full Text Available The aims of the study are to determine the legal arrangements and the application of criminal sanctions against the crime of credit/debit card fraud in Indonesia. The type of study was a normative research by classifying the provisions relevant to the crime of credit/debit card fraud is based on Law No. 11 Year 2008 concerning Information and Electronic Transactions; otherwise it is used also Convention on Cyber crime 2001. Analysis of legal materials made through a law (statue approach to create an ius constituendum regarding the application of criminal sanctions against crime credit/debit card fraud. The results of the research indicated that the legal arrangements and criminal sanctions against the crime of credit/debit card fraud in Indonesia is still relatively minimal. First, not integrated article that directly regulates computer related fraud. Second, not arranged in the form of criminal sanctions for actions that are restitution culprit.

  9. 信用卡诈骗罪研究%Research on Credit Card Fraud

    Institute of Scientific and Technical Information of China (English)

    王东芳; 曹阳

    2012-01-01

    With China's economic deve- lopment, credit cards are used generally. The criminals target the imperfections of the credit card system and the loopholes in the law, which make the credit card fraud gradually become a major criminal activity in the field of Financial Fraud in recent years. And there is a lot of controversy on the judicial determination of the crime for the differences between practice and theory. The author intends to make a detailed explanation on this issue and make suggestions for the prevention of crime.%随着我国经济的发展,信用卡的运用也逐渐普遍起来,而犯罪分子更是瞄准了信用卡制度的不完善和法律的漏洞。使信用卡诈骗罪也在近年来逐渐成为金融诈骗罪领域中的一项主要犯罪活动,而实践和理论的分歧使此项犯罪的司法认定存在诸多的争议,作者拟就此问题作详细的解释。为防范犯罪献计献策。

  10. Credit Card Blues: The Middle Class and the Hidden Costs of Easy Credit.

    Science.gov (United States)

    Hodson, Randy; Dwyer, Rachel; Neilson, Lisa

    2014-01-01

    In an era of increased access to credit, it becomes increasingly important to understand the consequences of taking on unsecured consumer debt. We argue that credit can have both positive and negative consequences resulting from its ability to smooth life transitions and difficulties but that this occurs simultaneously with increased financial risks and stress resulting from carrying unsecured debt. We find that those in the middle of the income distribution suffer the greatest disruptions to mental health from carrying debt. Affluent borrowers are relatively unmoved by debt, suggesting the use of short-term debt as a convenience strategy for the financially well-heeled. The least advantaged borrowers are also suffer emotionally less from debt, possibly because securing spendable funds for necessities remains their most pressing concern. The onset of the Great Recession, however, produced increased emotional distress for all classes.

  11. Credit Card Blues: The Middle Class and the Hidden Costs of Easy Credit

    Science.gov (United States)

    Dwyer, Rachel; Neilson, Lisa

    2015-01-01

    In an era of increased access to credit, it becomes increasingly important to understand the consequences of taking on unsecured consumer debt. We argue that credit can have both positive and negative consequences resulting from its ability to smooth life transitions and difficulties but that this occurs simultaneously with increased financial risks and stress resulting from carrying unsecured debt. We find that those in the middle of the income distribution suffer the greatest disruptions to mental health from carrying debt. Affluent borrowers are relatively unmoved by debt, suggesting the use of short-term debt as a convenience strategy for the financially well-heeled. The least advantaged borrowers are also suffer emotionally less from debt, possibly because securing spendable funds for necessities remains their most pressing concern. The onset of the Great Recession, however, produced increased emotional distress for all classes. PMID:26766878

  12. Credit card debt, stress and key health risk behaviors among college students.

    Science.gov (United States)

    Nelson, Melissa C; Lust, Katherine; Story, Mary; Ehlinger, Ed

    2008-01-01

    To examine cross-sectional associations between credit card debt, stress, and health risk behaviors among college students, focusing particularly on weight-related behaviors. Random-sample, mailed survey. Undergraduate and graduate students (n = 3206) attending a large public university. Self-reported health indicators (e.g., weight, height, physical activity, diet, weight control, stress, credit card debt). More than 23% of students reported credit card debt > or = $1000. Using Poisson regression to predict relative risks (RR) of health behaviors, debt of at least $1000 was associated with nearly every risk indicator tested, including overweight/obesity, insufficient physical activity, excess television viewing, infrequent breakfast consumption, fast food consumption, unhealthy weight control, body dissatisfaction, binge drinking, substance use, and violence. For example, adjusted RR [ARR] ranged from 1.09 (95% Confidence interval [CI]: 1.02-1.17) for insufficient vigorous activity to 2.17 (CI: 0.68-2.82) for using drugs other than marijuana in the past 30 days. Poor stress management was also a robust indicator of health risk. University student lifestyles may be characterized by a variety of coexisting risk factors. These findings indicate that both debt and stress were associated with wide-ranging adverse health indicators. Intervention strategies targeting at-risk student populations need to be tailored to work within the context of the many challenges of college life, which may serve as barriers to healthy lifestyles. Increased health promotion efforts targeting stress, financial management, and weight-related health behaviors may be needed to enhance wellness among young adults.

  13. Using multi-state markov models to identify credit card risk

    Directory of Open Access Journals (Sweden)

    Daniel Evangelista Régis

    2016-06-01

    Full Text Available Abstract The main interest of this work is to analyze the application of multi-state Markov models to evaluate credit card risk by investigating the characteristics of different state transitions in client-institution relationships over time, thereby generating score models for various purposes. We also used logistic regression models to compare the results with those obtained using multi-state Markov models. The models were applied to an actual database of a Brazilian financial institution. In this application, multi-state Markov models performed better than logistic regression models in predicting default risk, and logistic regression models performed better in predicting cancellation risk.

  14. Credit Card Fraud Detection: A Realistic Modeling and a Novel Learning Strategy.

    Science.gov (United States)

    Dal Pozzolo, Andrea; Boracchi, Giacomo; Caelen, Olivier; Alippi, Cesare; Bontempi, Gianluca

    2017-09-14

    Detecting frauds in credit card transactions is perhaps one of the best testbeds for computational intelligence algorithms. In fact, this problem involves a number of relevant challenges, namely: concept drift (customers' habits evolve and fraudsters change their strategies over time), class imbalance (genuine transactions far outnumber frauds), and verification latency (only a small set of transactions are timely checked by investigators). However, the vast majority of learning algorithms that have been proposed for fraud detection rely on assumptions that hardly hold in a real-world fraud-detection system (FDS). This lack of realism concerns two main aspects: 1) the way and timing with which supervised information is provided and 2) the measures used to assess fraud-detection performance. This paper has three major contributions. First, we propose, with the help of our industrial partner, a formalization of the fraud-detection problem that realistically describes the operating conditions of FDSs that everyday analyze massive streams of credit card transactions. We also illustrate the most appropriate performance measures to be used for fraud-detection purposes. Second, we design and assess a novel learning strategy that effectively addresses class imbalance, concept drift, and verification latency. Third, in our experiments, we demonstrate the impact of class unbalance and concept drift in a real-world data stream containing more than 75 million transactions, authorized over a time window of three years.

  15. Do Community Characteristics Relate to Young Adult College Students' Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy.

    Science.gov (United States)

    Friedline, Terri; West, Stacia; Rosell, Nehemiah; Serido, Joyce; Shim, Soyeon

    2017-03-01

    This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data (N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average total debt, average credit score, and number of bank branch offices were associated with a young adult college student's acquisition and accumulation of credit card debt. For example, a community's higher unemployment rate and lower number of bank branches were associated with a young adult college student's greater accumulated debt. Community characteristics had the strongest associations with credit card debt, especially after controlling for individual characteristics (i.e., a young adult college student's race and financial independence) and familial characteristics (i.e., their parents' income and parents' discussions of financial matters while growing up at home). The findings may help to understand the unique roles that communities play in shaping children and young adults' financial capability, and how communities can be better capacitated to support the financial goals of their residents. © Society for Community Research and Action 2017.

  16. 小议恶意透支型信用卡诈骗--以刘某信用卡诈骗案为切入%Malicious overdraft credit card fraud--Credit card fraud of Liu, for example

    Institute of Scientific and Technical Information of China (English)

    杨威望; 刘晓溪

    2014-01-01

    近年来,随着信用卡在我国普及程度的日益增强,信用卡违法犯罪活动不断增多,其中恶意透支型信用卡诈骗占据主要部分。本文旨在通过阐述恶意透支的刑法规定和司法实践,在论述恶意透支归入信用卡诈骗罪的危害性的基础上,针对防范和处理恶意透支犯罪,提出建议。%In recent years, with credit card in our growing popularity of credit cards increasing criminal activities, including malicious overdraft credit card fraud accounted for the major part. This article aims to elaborate criminal law and judicial practice of malicious overdraft, discusses the dangers of malicious overdraft classified on the basis of credit card fraud, aimed at the prevention and treatment of malicious overdraft crime and make recommendations.

  17. Effective Practices of Financial Education for College Students: Students' Perceptions of Credit Card Use and Financial Responsibility

    Science.gov (United States)

    Anderson, Carla; Card, Karen

    2015-01-01

    The purpose of this quasi-experimental nonequivalent control group study was to determine the influence that a financial education intervention administered in First Year Experience courses had on students' perceptions of their financial behavior such as compulsive spending and credit card use. This study utilized the five-point Likert-type…

  18. Trial of a "credit card" asthma self-management plan in a high-risk group of patients with asthma.

    Science.gov (United States)

    D'Souza, W; Burgess, C; Ayson, M; Crane, J; Pearce, N; Beasley, R

    1996-05-01

    The "credit card" asthma self-management plan provides the adult asthmatic patient with simple guidelines for the self-management of asthma, which are based on the self-assessment of peak expiratory flow rate recordings and symptoms. The study was a trial of the clinical efficacy of the credit card plan in a high-risk group of asthmatic patients. In this "before-and-after" trial, patients discharged from the emergency department of Wellington Hospital, after treatment for severe asthma were invited to attend a series of hospital outpatient clinics at which the credit card plan was introduced. Questionnaires were used to compare markers of asthma morbidity, requirement for emergency medical care, and medication use during the 6-month period before and after intervention with the credit card plan. Of the 30 patients with asthma who attended the first outpatient clinic, 26 (17 women and 9 men) completed the program. In these 26 participants, there was a reduction in both morbidity and requirement for acute medical services: specifically, the proportion waking with asthma more than once a week decreased from 65% to 23% (p = 0.005) and the proportion visiting the emergency department for treatment of severe asthma decreased from 58% to 15% (p = 0.004). The patients attending the clinics commented favorably on the plan, in particular on its usefulness as an educational tool for monitoring and treating their asthma. Although the interpretation of this study is limited by the lack of a randomized control group, the findings are consistent with other evidence that the credit card asthma self-management plan can be an effective and acceptable system for improving asthma care in a high-risk group of adult patients with asthma.

  19. On the Investigation of Credit Card Fraud%论信用卡诈骗案件的侦查

    Institute of Scientific and Technical Information of China (English)

    怯帅卫

    2014-01-01

    To place credit card fraud on file for investigation and prosecution should be discreet. Not all credit card overdrafts are convicted as crime. Criminal law must focus on cracking down malicious overdraft. Investigation organs should analyze regularity of credit card fraud, make tight control and watch a chance to fight the crime in progress, or look for clues form the involved credit card. Investigators should pay attention to inspection of crime scene to solve the case from the remained evidence on the crime scene monitor such as videos, fingerprints, communication and accommodation information, etc. What’s more, one by one investigation of suspicious POS merchants may find clues to inspect a number of credit card frauds. Investigators should purposely gather evidence such as forged or cancelled credit cards, records of collecting overdue accounts and so on, which can prove the existence of the purposes of illegal possession.%信用卡诈骗案件的立案应谨慎,严格刑法入罪,对信用卡透支到期不还的行为不能都以犯罪论处,刑法重在打击恶意透支行为。侦查机关应分析犯罪分子作案规律,严密布控,伺机抓获现行,或从涉案信用卡入手挖掘侦查线索。侦查人员应注重现场勘查,从犯罪分子遗留信息如监控录像记录、指纹、通信和住宿登记信息等入手突破案情。还可以通过对 POS 机商户的业务进行排查,发现可疑线索,集中查处一批信用卡诈骗案件。侦查中,应注意针对行为人的非法占有目的进行证据收集,如伪造的或作废的信用卡、催收记录等。

  20. Playing the Smart Card.

    Science.gov (United States)

    Zuzack, Christine A.

    1997-01-01

    Enhanced magnetic strip cards and "smart cards" offer varied service options to college students. Enhanced magnetic strip cards serve as cash cards and provide access to services. Smart cards, which resemble credit cards but contain a microchip, can be used as phone cards, bus passes, library cards, admission tickets, point-of-sale debit…

  1. Juridical Perspective Of Credit Card Misuse Under Criminal Law A Comparative Study

    Directory of Open Access Journals (Sweden)

    Eka Nugraha

    2015-08-01

    Full Text Available The development of the national economy shows the direction that increasingly integrated with the regional and international economy that can support both a negative and positive impacts. Meanwhile the development of national economy continues to move quickly to the increasingly complex challenges therefore necessary adjustments in economic policies including the banking sector which is expected to be able to improve and strengthen the national economy. Bank as a means that ease people with all benefit is also not released from the weakness. The type of this research is normative for making criminal legislation as an object of study while the approach used tends juridical as a point of reference the theories of law and the rules of law in view of the problem. The outcomes of the research indicate that the efforts should be made to address the misuse of credit cards in the enforcement of the Indonesians criminal law is to formulate the rules of criminal law with a comprehensive pattern of expansion of legal subjects the offender is to enter the legal entity recht persoon as the parties may be subject to liability and formulate formulation of criminal in order to reach the entire modus operandi is being or may develop in the future. Besides the expansion of sanctions should be accompanied by sanction renewal that oriented to the cumulative punishment is retaliation deterrence and development.

  2. Campus Card Tricks.

    Science.gov (United States)

    Fickes, Michael

    1999-01-01

    Examines the development of an innovative student identification card system that includes off-campus banking and credit card functions. Finding solutions to bank objections, credit card company rule problems, and software difficulties are discussed. (GR)

  3. FRAUDULENT TRANSACTIONS WITH BANK PLASTIC CARDS AS A THREAT TO ECONOMIC SECURITY IN THE BANKING SPHERE

    Directory of Open Access Journals (Sweden)

    Elena V. Ilinich

    2013-01-01

    Full Text Available Banks active development of cashless payments by plastic cards, the growing number of fraudulent transactions and the damage they cause, create new challenges and threats to economic security in the sphere of banking activity. The latest information technologies are active used by organized crime groups, the methods of committing crimes are changing and are not yet adequately reflected by banks and law enforcement agencies.

  4. [Information and assent: presentation of 32 information cards concerning plastic and aesthetic surgery].

    Science.gov (United States)

    Flageul, G; Horay, P; Rouanet, F

    2009-06-01

    Obligation to deliver full information and obtaining enlightened assent are now, for the whole French practitioner, a necessary preliminary to each operation. Henceforth, in case of suit, the practitioner must prove the reality and the quality of preoperative information. The authors propose 32 information cards corresponding to the most currently operations of plastic and aesthetic surgery. They will being clear and simple, with a large agreement, strictly informative and yearly up to date. They have the label and therefore the scientific guaranty of the French Society of Plastic Reconstructive and Aesthetic Surgery.

  5. Credit scoring model of credit card based on data mining%基于数据挖掘的信用卡信用评分模型

    Institute of Scientific and Technical Information of China (English)

    刘武成; 谈超洪

    2014-01-01

    On the base of three scoring models, which are classification and regression tree model, Bayes model and neural network model, this paper constructs the relevant credit scoring criterion and provides more accurate parameters of credit information in order to get better judge whether to accept credit card applications. Results show that modified neural network model has higher accuracy, the CART is 68.11%, Bayes is 67.83%, NN is 69.27%.%在分类回归树模型、Bayes 判别模型和神经网络模型3种评分模型的基础上,构建了相应的信用评分准则,提供更精准的信用卡信用信息评估参数,以便能更好地判别是否接受信用卡申请人的申请。实验结果表明,扩展神经网络评估模型具有相对较高的预测验证准确性,即CART=68.11%, Bayes=67.83%, NN=69.27%。

  6. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 544.409 Section 544.409 Money and Finance: Treasury Regulations Relating... cards issued by U.S. financial institutions. The prohibition in § 544.201 on dealing in property subject to that section prohibits U.S. financial institutions from performing under any existing...

  7. 12 CFR 226.5a - Credit and charge card applications and solicitations.

    Science.gov (United States)

    2010-01-01

    ... mail address. If disclosures are made available at another location such as the card issuer's Internet... solicitation that is made available to the general public, including one contained in a catalog, magazine, or..., including one contained in a catalog, magazine, or other generally available publication. The disclosures...

  8. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 547.409 Section 547.409 Money and Finance: Treasury Regulations Relating... issued by U.S. financial institutions. The prohibition in § 547.201 on dealing in property subject to that section prohibits U.S. financial institutions from performing under any existing credit...

  9. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 588.409 Section 588.409 Money and Finance: Treasury Regulations Relating.... financial institutions. The prohibition in § 588.201 on dealing in property subject to that section prohibits U.S. financial institutions from performing under any existing credit agreements, including,...

  10. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 594.410 Section 594.410 Money and Finance: Treasury Regulations Relating... subject to those sections prohibits U.S. financial institutions from performing under any existing credit... U.S. financial institution to a person whose property or interests in property are blocked...

  11. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 593.409 Section 593.409 Money and Finance: Treasury Regulations Relating... issued by U.S. financial institutions. The prohibition in § 593.201 on dealing in property subject to that section prohibits U.S. financial institutions from performing under any existing credit...

  12. 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.

  13. 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.

  14. A Reasoning Agent for Credit Card Fraud on the Internet Using the Event Calculus

    Science.gov (United States)

    Blackwell, Clive

    We illustrate the design of an intelligent agent to aid a merchant to limit fraudulent payment card purchases over the Internet. This is important because increasing fraud may limit the rise of e-commerce, and difficult because of the uncertainty in identifying and authenticating people remotely. The agent can advise the merchant what actions to take to reduce risk without complete knowledge of the circumstances. It can also negotiate flexibly to conclude transactions successfully that would otherwise be rejected. We use the Event Calculus to model the transaction system including the participants and their actions. The idea has applications in other distributed systems where incomplete knowledge of a system may be exploited by adversaries to their advantage.

  15. Transaction security in RFID Credit Card by Polynomial Arithmetic along with Euclidean Parameters

    Directory of Open Access Journals (Sweden)

    Rohit Sharma

    2015-08-01

    Full Text Available The utilization of Radio Frequency Identification (RFID innovation is becoming quickly crosswise over a wide range of commercial enterprises. Engineers apply the innovation not just in conventional applications, for example, resource or stock following, additionally in security administrations, electronic travel papers and RFID-inserted card. Be that as it may, RFID innovation additionally raises various concerns in regards to protection, security and law requirement. In the same way as other advances, ease Radio Frequency Identification (RFID frameworks will get to be pervasive in our everyday lives when fastened to regular shopper things as "keen marks". While yielding extraordinary efficiency picks up, RFID frameworks may make new dangers to the security and protection of people or associations. For securing RFID exchange, the utilization of cryptographic calculation is on top. Be that as it may, these calculations are fragmented without the utilization of math. In this paper I will demonstrate how polynomial number-crunching and Euclidean parameters came to assume a important part for exchange security. Planning secure and proficient multivariate key cryptosystem keeps on being a testing territory of examination as of late. In this paper we introduce another technique for outlining effective multivariate key cryptosystem by defeating all the known assaults.

  16. 商业银行信用卡业务个人信用评估模型研究%Personal Credit Assessment Model of Credit Card Services in Commercial Banking

    Institute of Scientific and Technical Information of China (English)

    龙绪密; 尹莉媛

    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。%Personal credit assessment has been a problem in credit card services of commercial banking. This paper, through empirical research on customers data, builds a personal credit assessment model based on C4.5 algorithm. The prediction and evaluation of the model have been done and the results are quite satisfying, which might be used as a reference to the personal credit risk management of credit card services.

  17. Pulse-shape discrimination of the new plastic scintillators in neutron-gamma mixed field using fast digitizer card

    Science.gov (United States)

    Jančář, A.; Kopecký, Z.; Dressler, J.; Veškrna, M.; Matěj, Z.; Granja, C.; Solar, M.

    2015-11-01

    Recently invented plastic scintillator EJ-299-33 enables pulse-shape discrimination (PSD) and thus measurement of neutron and photon spectra in mixed fields. In this work we compare the PSD properties of EJ-299-33 plastic and the well-known NE-213 liquid scintillator in monoenergetic neutron fields generated by the Van de Graaff accelerator using the 3H(d, n)4He reaction. Pulses from the scintillators are processed by a newly developed digital measuring system employing the fast digitizer card. This card contains two AD converters connected to the measuring computer via 10 Gbps optical ethernet. The converters operate with a resolution of 12 bits and have two differential inputs with a sampling frequency 1 GHz. The resulting digital channels with different gains are merged into one composite channel with a higher digital resolution in a wide dynamic range of energies. Neutron signals are fully discriminated from gamma signals. Results are presented.

  18. Research on the Objective Behavior of Credit Card Fraud Crime%信用卡诈骗罪的客观行为研究

    Institute of Scientific and Technical Information of China (English)

    刘德法; 姜嫦蓉

    2012-01-01

    信用卡诈骗是金融诈骗中的高发性犯罪。犯罪行为的专业性又决定其在认定中存在诸多司法难点,非法占有目的需要进行事实推定;信用卡诈骗的行为方式需要进行深度解读;经济纠纷行为与犯罪行为交织,此罪与彼罪的界限模糊,信用卡诈骗过程中往往存在数罪并发的情形。对这些疑难问题的理论研究,有助于科学地指导刑事司法活动。%The credit card fraud conduct is the high incidence of crime in the region of financial fraud. There are many difficulties in the judicial verdict because of its professional behavior. The purpose of illegal possession needs to be presumed by the fact. The behavior of credit card fraud needs depth interpretation. Economic dispute behavior interweave with criminal act frequently. The boundaries between different crimes are obscure. The process of credit card fraud often exists the situation that several crimes happen at the same time. The theoretical study on these difficult problems help us to guide the scientific activity of the crimirtal justice.

  19. Pushing Plastic

    Science.gov (United States)

    Humphrey, John H.

    2007-01-01

    As they send their teenagers off to college, parents will counsel them on the dangers of accepting credit card offers and the risks inherent in credit card debt. Most assume that the university will be their ally in warning students about such dangers. But instead, most universities try to get their own students to take out a credit card. In this…

  20. Purchasing with plastic: Using a credit card for procurement in information services

    CSIR Research Space (South Africa)

    Halland, Y

    2002-09-30

    Full Text Available With the rapid development of the Internet and Worldwide Web over the last 10 years, shopping online is no longer a novelty. Virtually (excuse the pun) anything can be bought online these days. From serious scientific information to ready made...

  1. Criticism and Reconstruction of Credit Card Fraud of Malicious Overdraft%恶意透支型信用卡诈骗罪之批判与重构

    Institute of Scientific and Technical Information of China (English)

    王冲; 郭照

    2012-01-01

    In recent years, there are more and more crime cases of credit card fraud, especially credit card fraud of ma[icious overdraft. It is only a type of a crime,but its impact is beyond itself,and it has grad ually developed into a social issue. In the practice of the criminal trial,we find the crime has two paradoxes by the analysis of the objective and subjective components of credit card fraud of malicious overdraft. The main reason lies in the too low incriminating threshold of the crime,the too big intervention range of the punishment power and the problems of the law articles by itself. In order to revise the law, we'll use the German legislation model for reference to peel the behavior of the credit card fraud of malicious overdraft off credit card fraud to be a separate crime.%近年来,信用卡诈骗罪呈现多发态势,尤其是恶意透支型信用卡诈骗。虽然这只是个罪,但其影响已经超出个罪的范畴,且逐渐发展成为一个社会性问题。在刑事审判实践中,通过对恶意透支型信用卡诈骗罪主客观方面构成要件的解读,发现了这一个罪解读中存在的两个悖论。其主要原因是该罪的入罪门槛过低,刑罚权的干预范围过大,同时法律条文自身也存在一些问题。要修订该法条,可以借鉴德国立法模式,将恶意透支型信用卡诈骗行为从信用卡诈骗罪中剥离出来,独立成罪。

  2. Effectiveness of State and Federal Government Agreements with Major Credit Card and Shipping Companies to Block Illegal Internet Cigarette Sales

    Science.gov (United States)

    Ribisl, Kurt M.; Williams, Rebecca S.; Gizlice, Ziya; Herring, Amy H.

    2011-01-01

    Most Internet vendors offer tax-free cigarettes making them cheaper than those sold at stores. This undermines the impact that higher prices have upon reducing consumption. Most Internet tobacco sales have violated taxation and youth access laws, which led to landmark voluntary agreements in 2005 with the major credit card companies and major private shippers to ban payment transactions and shipments for all Internet cigarette sales. Objective To assess whether these bans increased the rate of Internet Cigarette Vendors (ICVs) ceasing online sales, decreased the proportion of vendors offering banned payment and shipping options, and decreased consumer traffic to the most popular ICVs. Design Websites in a longitudinal study of ICVs were visited in 2003 (n = 338), 2004 (n = 775), 2005 (n = 664), 2006 (n = 762), and 2007 (n = 497) to assess whether they were in business and monitor their advertised sales practices. The number of unique monthly visitors to the 50 most popular ICVs at baseline was examined for the period one year before and two years after the bans to determine whether the bans altered traffic. Results Following the bans, the rate of ICVs ceasing online sales year to year increased, but due to an influx of new vendors, there was a net increase in ICVs. The proportion of vendors accepting banned payment options dropped from 99.2% to 37.4% after the bans, and the proportion offering banned shipping options dropped from 32.2% to 5.6%, but there was a corresponding increase in vendors offering non-banned payment options (e.g., personal checks) and shipping options (e.g., US Postal Service). Following the bans, there was a 3.5 fold decline in traffic to the most popular ICV websites. Conclusions This promising approach to controlling the sale of restricted goods online has implications for regulating other products such as alcohol, firearms, quack cures, and medicines sold without a prescription. PMID:21340032

  3. 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.

  4. 從法律觀點談信用卡系統之成本與效益 ― 以澳洲信用卡制度改革為例 The Cost and Efficiency of Credit Card Schemes ― A Comparative Study on the Australian Regulatory Reform for Credit Card

    Directory of Open Access Journals (Sweden)

    林育廷 Yu-Ting Lin

    2006-06-01

    Full Text Available 隨信用卡使用之廣泛與普及,有關競爭法問題也漸受重視。本文擬就其中與成本定價相關之二大議題進行討論,其一為交換費用(Interchange fees)之制訂與衍生相關競爭法議題,其二為禁止特約商店額外收取信用卡使用費(no surcharge rule)之適法性討論,及其分別對經濟體付款制度之影響。 本文主要以澳洲政府近年來有關信用卡支付系統之改革為主要範本,旁及美國、歐盟等檢討現況,並進一步再就相關問題提出個人分析與評論。交換費用之聯合制訂有其必要性,由廠商分別締約反有礙信用卡作業效率,且對市場競爭無益。但於此前提下,適度管制則有其必要。相關計算應有客觀且公正之計算標準,以避免對發卡機構與信用卡組織過度補償(over-compensate)。同時,相關資訊與定價基準應做適當揭露。就禁止特約商店額外收費之限制而言,此一定價限制可能對消費者付款工具之選擇造成錯誤之價格誘因,除有礙付款市場之有效競爭,造成高成本付款工具之普遍使用,影響付款機制之運作效益外,並形成非信用卡使用者對信用卡使用者之不當補貼,並進而造成零售價格之提高,影響社會整體 利益。 This paper first outlines the Australian recently adopted regulatory framework for credit card scheme, highlighting the growing concerns over the possible anti-competitive effects of the setting of interchange fees and the “no-surcharge rule”.The rate of the interchange fees applied to the credit card use nowadays raises the concerns of overcompensating the financial institution as well as the credit card schemes and also, the “no-surcharge rule” restricted the competition and suppressed price signals that guide the efficient allocation of resources. In my opinion, the interchange fee should be decided at a cost-based benchmark

  5. 从信用卡套现现象看商业银行的风险防控%Credit card cash phenomenon analysis and risk control of commercial banks

    Institute of Scientific and Technical Information of China (English)

    张慧超; 武鹏

    2014-01-01

    随着我国国民消费理念和消费习惯的改变,近年来信用卡发行量呈井喷式发展。然而我国的金融市场还不够成熟,监管体制还不够完善,导致信用卡套现活动屡禁不止,且手段翻新、方法多样。在信用卡业务活动中,商业银行既扮演着发卡行的角色,又扮演着收单行的角色。因此,信用卡套现对商业银行影响巨大。在应对信用卡套现风险时,商业银行应当套现源头和套现终端双管齐下,从信用卡和POS机两方面下手,防控结合,防控并重。%With the development of our national consumption concept and consumption habits,the circulation of bank credit cards are expanding constantly in recent years. However, China's financial market is not mature enough, and the regulatory system is not perfect enough. So the credit card cash has been done in more ways and to be difficult to stop. In the credit card business activities, commercial banks play a role in both the issuer and the acquirer. Therefore, credit card cash has a great influence on commercial banks. In response to the risk of credit card cash, commercial banks should pay equal attention to cash source and cash terminal. Further, they should start from both credit cards and POS machines. At the same time, they must combine the prevention and control of credit card cash and equally measure them.

  6. Effectiveness of state and federal government agreements with major credit card and shipping companies to block illegal Internet cigarette sales.

    Directory of Open Access Journals (Sweden)

    Kurt M Ribisl

    Full Text Available Most Internet vendors offer tax-free cigarettes making them cheaper than those sold at stores. This undermines the impact that higher prices have upon reducing consumption. Most Internet tobacco sales have violated taxation and youth access laws, which led to landmark voluntary agreements in 2005 with the major credit card companies and major private shippers to ban payment transactions and shipments for all Internet cigarette sales.To assess whether these bans increased the rate of Internet Cigarette Vendors (ICVs ceasing online sales, decreased the proportion of vendors offering banned payment and shipping options, and decreased consumer traffic to the most popular ICVs.Websites in a longitudinal study of ICVs were visited in 2003 (n = 338, 2004 (n = 775, 2005 (n = 664, 2006 (n = 762, and 2007 (n = 497 to assess whether they were in business and monitor their advertised sales practices. The number of unique monthly visitors to the 50 most popular ICVs at baseline was examined for the period one year before and two years after the bans to determine whether the bans altered traffic.Following the bans, the rate of ICVs ceasing online sales year to year increased, but due to an influx of new vendors, there was a net increase in ICVs. The proportion of vendors accepting banned payment options dropped from 99.2% to 37.4% after the bans, and the proportion offering banned shipping options dropped from 32.2% to 5.6%, but there was a corresponding increase in vendors offering non-banned payment options (e.g., personal checks and shipping options (e.g., US Postal Service. Following the bans, there was a 3.5 fold decline in traffic to the most popular ICV websites.This promising approach to controlling the sale of restricted goods online has implications for regulating other products such as alcohol, firearms, quack cures, and medicines sold without a prescription.

  7. On the status quo and developing trend of credit card fraud cases%论信用卡诈骗案件的现状与发展趋势

    Institute of Scientific and Technical Information of China (English)

    詹洪华

    2012-01-01

    本文通过对信用卡诈骗案的收集和整理,系统分析了目前我国信用卡诈骗案的现状、特点和发展趋势,并且针对信用卡诈骗手段的不断更新,向公安人员提出了应该具有的侦查能力和技术手段。%Through the collection and collation of credit card fraud cases,the paper systematically analyzed the current status quo,characteristics and developing trend of China's credit card fraud cases,and suggested investigative capacity and technical means the public security personnel should have in view of constantly update means for credit card fraud.

  8. Reputation Detection of Credit Card Based on SVM%基于组合分类器的信用卡信誉检测

    Institute of Scientific and Technical Information of China (English)

    周宓

    2012-01-01

    给出了支持向量机的信用卡信誉检测模型和基于决策树的信用卡信誉检测模型的建立方法,并在这两种单一分类器的基础上,归纳总结支持向量机方法和决策树方法对信用卡信誉检测的偏好特性,提出了一种基于偏好特性进行组合的组合分类器模型建立方法.%Credit testing model of support vector machine and construction mehtod of credit testing model based on decision tree were given. Based on the two single classifier, preferences of credift card credit test- ing supporting support vector machine and decision tree were concluded and summarized. Construction meh- ted of combined classification model was proposed based on combination of preference characteristics.

  9. Türkiye’de Kredi Kartı Kullanımını Etkileyen Faktörleri Belirlemeye Yönelik Bir Model Çalışması(A Model Study Based on Setting The Factors Affecting The Credit Card Usage in Turkey

    Directory of Open Access Journals (Sweden)

    Nevin UZGÖREN

    2007-01-01

    Full Text Available The usage of credit cards as a mean for payment and consumer credits is consistently increasing worldwide and Turkey.In this study, analyzing the factors that affect the expenditures by credit cards is aimed and multiple regression analysis is applied. The model which is gained through this analysis has shaved appropriate results for economic and statistical expectations. It has been realized that, the crisis in November 2000 and February 2001 in Turkey had an important role in the decrease of credit card usage giro. On the other hand, it has been concluded that the gross national product per capita, the number of pos machines and credit cards and the inflation rate increased the card usage giro.

  10. Design and Implementation of a Bank Credit Card Management System Based On .NET Technique%基于.NET的某银行信用卡管理系统的设计与实现

    Institute of Scientific and Technical Information of China (English)

    徐洪峰

    2015-01-01

    随着银行信用卡业务的迅速发展,使用信用卡的人群越来越多,导致了银行对信用卡的日常管理工作和统计分析工作不断加重.系统采用B/S结构和.NET技术,在开发过程中以需求分析为基础,采取 UML 设计思想,对系统的角色和功能进行了详细划分,明确了用户可交互功能,并对每个功能模块进行了详细的设计.系统实施后,在某市级银行的应用中取得了一定的成效,并为将来改进信用卡管理系统提供了新的视野.%With the rapid development of credit card business, more and more people begin to use credit cards, which cause banks to the credit card management and statistical analysis workload increasing. The system uses B/S architecture and .NET technology and in the development process is based on the analysis of the demand, taking the idea of UML design. The role and functions of the system were clearly divided. The functions interacted with users were determined and each module of the function were well designed. The research of the credit card management system has not only achieved certain results in the practical application of the city banks, but also provided a new research perspective on credit management information system in the future.

  11. Probe into Risk Management Issues of Our Country Commercial Bank Credit Cards%我国商业银行信用卡业务风险管理问题探讨

    Institute of Scientific and Technical Information of China (English)

    赖黄平

    2012-01-01

    The credit card business is a relatively new business of commercial banks in China,but also the coexistence of a high-risk and high-yield business.In recent years,the credit card business of commercial banks in China has been rapid development,and has become a new profit growth point of commercial banks.However,with the continuous development of the credit card business,its risk is gradually exposed to great harm to commercial banks,and the loss can not be ignored.Therefore,commercial banks how to effectively manage the risks of credit card business is particularly important.%信用卡业务是我国商业银行一项比较新兴的业务,也是一项高风险与高收益并存的业务。近年来,我国商业银行的信用卡业务得到了快速的发展,并已成为各家商业银行新的利润增长点。但是,随着信用卡业务的不断发展,其风险也逐渐暴露出来,对商业银行的危害性极大,造成的损失也不容忽视。因此,商业银行如何有效地对信用卡业务风险进行管理尤为重要。

  12. THE ROMANIAN CARD MARKET

    Directory of Open Access Journals (Sweden)

    POPESCU LUIGI

    2012-12-01

    Full Text Available This paper presents an analysis of the Romanian card market in the last decade, based on the statistic data, against other Eastern European Countries and its perspectives in the next years. The use of cards is important for banks, due to the significant interests and tax gained this way, but Romanian market is still underdeveloped because of the population behavior in the payment area and due to the lack of the card acceptance infrastructure at the merchants for a long period of time. In Romania, there are still many cards with a cash-withdrawals function, but the Romanian card industry has a great potential, because it was underdeveloped. The crisis was an opportunity on the market cards because the credit products have dropped significantly and banks had to develop other banking products, realized the importance of the cards and began to invest in infrastructure.

  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. A Cashless Society? The Plastic Revolution. Resources in Technology.

    Science.gov (United States)

    Ritz, John M.

    1993-01-01

    Relates the history of credit cards, their evolution to current forms, and innovations (debit cards, token cards, smart cards). Considers their sociocultural impact. Provides a design brief, including objectives, resources, evaluation criteria, outcomes, and a quiz. (SK)

  15. Patron ID Cards Made Easy and Cheap

    Science.gov (United States)

    Peischl, Tom

    1978-01-01

    Four major problems of academic library identification cards are expense, distribution, timeliness, and validation. By moving from a commercially produced plastic library card to a locally produced paper IBM-type card, this library solved these four library card problems. (Author)

  16. 基于计划行为理论的信用卡使用意向分析及其营销策略研究%A Study on Credit Cards Usage Intention and Its Marketing Strategies Based on Theory of Planned Behavior

    Institute of Scientific and Technical Information of China (English)

    王大海; 姚飞; 郑玉香

    2011-01-01

    Based on the theory of planned behavior, the study explores the factors influencing the will of consumers' use of credit cards and develops a model to investigate consumers' credit card usage intention by means of a structural equation model. The results show that consumers' attitude towards the credit card and it's perceived behavioral control have a material impact on consumers' intention to use credit cards. Moreover, the study has divided the attitude towards credit cards into the attitude toward convenience, money and credit. The results of this empirical analysis show that the attitude towards convenience has an important influence on consumers' credit card usage intention. And this distinction is reasonable and essential.%在计划行为理论的基础上,使用结构方程模型等数理统计方法,探析了消费者信用卡使用意向的影响因素,建构了消费者信用卡使用意向模型.研究表明,计划行为理论中信用卡态度和知觉行为控制变量对消费者信用卡使用意向有重要影响.此外,研究还进一步将消费者信用卡态度区分为便利性态度、金钱与信用态度,实证研究显示便利性态度对信用卡使用意向有重要影响,并且这种区分是合理的和必要的.

  17. On the Impacts of the Credit Card Fees Adjustment Brings to the Industry and Its Countermeasures%银行卡刷卡手续费调整对银行卡产业的影响及对策

    Institute of Scientific and Technical Information of China (English)

    刘莉

    2013-01-01

    The bank card fees adjustment has its comprehensive and systematic effects on the develop-ment of bank card industry. The involved market participants should cope with the development properly. This article describes the impacts and opportunities of the credit card fees adjustment brings to the industry, and puts forward some corresponding works to improve their own management and recommendations to ac-celerate the market development policy.%银行卡刷卡手续费调整,对整个银行卡产业发展有着系统性的综合影响,市场参与各方均不同程度地牵扯其中,妥善应对方能顺势发展,固步自封则前景堪忧。本文详述了刷卡手续费调整对产业各方所带来的冲击和机遇,并相应提出了完善自身经营,加快市场发展的政策建议。

  18. 商业银行客户信用评级研究--基于平衡计分卡视角%Research on the Customer Credit Evaluation of Commercial Bank---Based on the Balanced Score Card Perspective

    Institute of Scientific and Technical Information of China (English)

    杨思静; 杜海霞

    2015-01-01

    Credit business is the main business of Chinese commercial Banks, customer credit rating is one of the most important aspects of the credit risk control of commercial bank and it is the ground work for credit extension, loan examination and approval, even post-loan management. Meanwhile, the development of the customer credit evaluation system and perfection become the focus of the current bank. In view of the current status and deficiency of the management of commercial banks customer credit rating system, the paper builds rating index from the perspective of the balanced score card. This article uses the analytic hierarchy process (AHP) to weight identification of index system, and then sets up the correspondent grading criteria and customer credit ranks. Besides above normative research, we also extends to empirical study, it demonstrates that our credit evaluation system based on the balanced score card can effectively analyze the enterprises' performance. The evaluation model in the paper is different from that demonstrated in foreign literatures. It is easy to operate and the information is easy to get, so it is more appropriate for Chinese commercial banks to use. It provides valuable reference for improving the whole credit system in China.%信贷业务是国内商业银行的主营业务,客户信用评级作为控制商业银行信贷风险的重要一环是商业银行进行授信、贷款审批和贷后管理的基础。客户信用评级体系的开发和完善也成为了当前银行工作的重点。文章基于平衡计分卡的视角,针对当前商业银行客户信用评级管理的现状与不足,从四个方面对评级指标进行选取。同时使用层次分析法对指标体系进行权重分配并设定相应的评分标准和客户信用等级,最后通过案例分析对模型的操作性和有效性进行了验证。文章的评级模型并不同于国外研究论述的数学模型,其在操作上更加简便,信息获取也

  19. 我国商业银行信用卡业务发展对策研究%Research on the strategy of credit card business development of the commercial banks in China

    Institute of Scientific and Technical Information of China (English)

    张爽

    2015-01-01

    With the economic globalization,China's market economy and the world economy,accelerating the development of the market economy in China,the reform of the financial system is gradually in depth. In order to make the commercial banks can better help the economic development of our country and promote the firm's own progress,commercial banks began a strategic transformation. The intermediate business of commercial banks in China begin to show their own advantage,even beyond the traditional business trend,and the credit card business as important commercial bank intermediary business,has become an important business of commercial bank profitability. Credit card business is the traditional business has the characteristics of high risk,high income,and a new credit card problems also appear constantly business development process,should be paid more attention.%随着经济全球化,我国市场经济与世界接轨,我国的市场经济发展不断加速,金融体制的改革也逐渐深入。为使商业银行能够更好地辅助我国经济发展以及促进商行自身的进步,商业银行开始战略转型。我国商业银行中间业务开始逐渐显现自己的优势,甚至有超越传统业务的趋势,而信用卡业务作为商业银行重要的中间业务,成为商业银行盈利的重要业务。信用卡业务较传统业务有高风险、高收益的特点,同时信用卡业务发展过程中也不断出现新的问题,应受到高度重视。

  20. 公务卡制度实施中存在的问题及对策研究%Research on the Current Problems in the Implementation of Government Credit Card System and Its Countermeasures

    Institute of Scientific and Technical Information of China (English)

    李莹

    2013-01-01

      为了从机制上防范和治理腐败,减少国家公务人员违规违法行为,自2007年起我国政府开始推进公务卡制度改革。该项制度推行以来,在减少预算单位现金使用、规范公务支出方面取得一系列成就,但公务卡制度实施过程仍存在不少问题。文章全面分析公务卡制度实施过程中存在的问题,并提出解决这些问题的对策和建议。%In order to prevent and govern corruption as well as reduce illegal behavior of government officials, our govern-ment began to promote the reform of China's business card system since 2007. A series of achievements had achieved in as-pects of reducing budget cash and regularizing official spending since the system implementation. But there are still some problems in the implementation process of government credit card. The article comprehensively analyzes its current problems, discusses and puts forward the countermeasures and suggestions to solve these problems.

  1. Consumers' use of and satisfaction with store cards

    African Journals Online (AJOL)

    Administrator

    Credit is fast replacing cash and personal cheques amongst contemporary ... Factors that may influence consumers to adopt store cards .... cards impairs the intelligent choice of consumer goods and services ...... Food service organizations.

  2. 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。

  3. 用拾得的信用卡在ATM机上取款应定性为信用卡诈骗%Drawing Money from ATM with a Picked Credit Card Should be Judged as a Credit Fraud

    Institute of Scientific and Technical Information of China (English)

    张昱泉

    2012-01-01

    用拾得的信用卡在ATM机上取款的行为,不能成立侵占罪,也不构成盗窃罪,而应当被认定为诈骗行为;同时,基于信用卡诈骗罪与诈骗罪的关系是特殊法条与一般法条的关系,故应当被认定为信用卡诈骗罪。%Drawing money from ATM is not embezzlement, nor is it theft but should be taken as fraud. Considering the relationship between articles concerning credit fraud and fraud, it is just the relationship between a special article and an ordinary article, it should be regarded as credit fraud.

  4. Desafios e oportunidades no setor de cartões de crédito: proposição de estratégias para o mercado popular Challenges and opportunities for credit cards: strategies for low-income markets

    Directory of Open Access Journals (Sweden)

    Renata Giovinazzo Spers

    2008-12-01

    Full Text Available O mercado de baixa renda no Brasil apresenta grandes oportunidades para empresas do setor de cartões de crédito com foco em serviços de qualidade, mas por valores compatíveis à renda e necessidades específicas desse segmento. O objetivo central do trabalho é analisar os aspectos críticos e oportunidades para os cartões de crédito no mercado de baixa renda, com a proposição de uma abordagem para aumentar a penetração do produto neste segmento. Para tanto, foram identificadas oito variáveis a partir da literatura e realizadas pesquisa qualitativa com análise documental e entrevistas em profundidade com especialistas do setor de cartões. Os resultados da pesquisa mostram que as empresas devem adotar estratégias para ganhar vantagem competitiva com preços mais baixos, reduzindo custos ao reduzir serviços não relevantes para o segmento. É recomendável que a empresa utilize a mesma marca oferecida às classes A e B e aposte em tecnologia e distribuição aliadas às redes de varejo, para uma maior penetração dos cartões.The low-income market in Brazil presents great opportunities for companies including the credit card sector. Bottom-of-the-pyramid customers look for quality which is, however, compatible with their budgets and needs. For this purpose an analysis was made of the critical aspects and opportunities in question. Literature disclosed eight factors that were analyzed in a qualitative survey and with in depth interviews. Variables relevant to business profitability in general were also presented. Results disclosed the possibility of competitive pricing advantages by offering simpler services and lower cost products. Brands offered to higher income brackets should be adapted with technologies for simplification and more attractive pricing. Partnerships should then be made with retail store networks to increase the use of credit cards.

  5. Payment Cards

    Directory of Open Access Journals (Sweden)

    Kantnerová Liběna

    2016-09-01

    Full Text Available The aim of this paper is to analyze the use of payment cards in retail in the Czech Republic from the side of clients (buyers and the side of sellers. Questionnaires for clients examine satisfaction with cards and the service connected with them. Sellers’ satisfaction with the profit and function of cards is analyzed. The data indicated that 92% of the 352 respondents in South Bohemia had a payment card and more than 35% had more than one card. In retail, 70% of sellers had a payment terminal.

  6. Optical smart card using semipassive communication.

    Science.gov (United States)

    Glaser, I; Green, Shlomo; Dimkov, Ilan

    2006-03-15

    An optical secure short-range communication system is presented. The mobile unit (optical smart card) of this system utilizes a retroreflector with an optical modulator, using light from the stationary unit; this mobile unit has very low power consumption and can be as small as a credit card. Such optical smart cards offer better security than RF-based solutions, yet do not require physical contact. Results from a feasibility study model are included.

  7. Consumer Credit Risk Management in an Emerging Market: The Case of China

    Institute of Scientific and Technical Information of China (English)

    Xiaoqing Eleanor Xu; Jiong Liu

    2006-01-01

    With the liberalization of the financial service sector mandated by China 's access to the WTO, China 's credit card market has received a great deal of attention from global financial institutions. This paper examines the enormous growth opportunities and key barriers facing the development of the credit card industry in China, and discusses the importance and tools of consumer credit risk management. In the process of rapid expansion of China's consumer credit card industry, credit risk management should be treated as a top priority to avoid a pile up of bad debt in credit card receivables. This requires the development of an updated and comprehensive national consumer credit database and the use of credit risk modeling and scoring in predicting consumer behavior. As structured finance develops in China, the securitization of credit card receivables into asset-backed securities might also serve as an alternative to traditional credit risk management.

  8. Study on the implementation effect of universal credit card system construction in outpatient departments of maternal and child health hospitals%妇幼保健院门诊“一卡通”系统建设实施效果研究

    Institute of Scientific and Technical Information of China (English)

    吴智娟; 钟文明; 刘叶珍; 刘晓峰; 徐跃武; 周华

    2012-01-01

    目的:探讨门诊“一卡通”在门诊就诊服务中的应用效果.方法:在门诊流程改造的基础上,实行门诊“一卡通”解决方案,比较上系统前后的各环节就诊耗时、患者满意度、印象打分、就医流程等.结果:实行门诊“一卡通”就诊模式后,就医流程得到明显的优化,交费等待时间、取药等待时间、治疗等待时间、全程接受治疗时间、非诊疗时间等都有不同程度的下降;信息化后门诊总体、儿科门诊、妇科门诊、产前门诊、儿保门诊满意度,以及病人整体印象打分,与信息化前对比均有不同程度的提高,差异有统计学意义(P<0.01).结论:“一卡通”缩短了患者就医时间,提高了医生工作效率,增加了病人的满意度.%Objective: To explore the application effect of universal credit card in services provided by outpatient departments. Methods: On the basis of modified outpatient process, universal credit card scheme was used in outpatient departments, the consuming time for treatment, the satisfaction, the impression score, and hospital process before and after implementation of the system were compared. Results: After implementation of universal credit card in outpatient departments, the hospital process was optimized obviously, the waiting time for paying fee, the waiting time for taking drugs, the waiting time for treatment, the total time for treatment, the time for non - diagnosis and treatment decreased to different degrees; the total satisfaction, the satisfactions of pediatric outpatient, gynecological outpatient, prenatal outpatient, child health outpatient, and the whole impression score were significantly higher than those before implementation of universal credit card (P < 0.01) . Conclusion: Universal credit card shortens the hospitalization time, improve work efficacy of the doctors and satisfaction of the patients.

  9. Kredi Kartının Plansız Satın Alma Davranışına Etkisi: Karabük Üniversitesi Akademik Personeline Yönelik Bir Uygulama / The effect of Credit Card on Impulse Purchase: An application for the Academic staff of Karabuk University

    Directory of Open Access Journals (Sweden)

    Selçuk Yurtsever

    2012-12-01

    Full Text Available Kredi kartı kullanımının giderek yaygınlaşması, satın alma eylemlerinde ödeme kolaylığı sağlayarak hayatı kolaylaştırmasının yanı sıra tüketimi ve ihtiyaç fazlası satın almayı artırarak tüketicilerin gereksiz ürünlere sahip olmalarına ve kredi kartı borçlarını ödemede zorluk çekmelerine neden olmaktadır. Bu araştırma kredi kartının kontrolsüz bir tüketici davranışı olan plansız satın alma davranışlarına etkisini incelemektedir. Araştırma kapsamında Türkiye’de sosyo-ekonomik sınıf olarak en üst sınıfın bir altı olan B sosyo-ekonomik sınıf içerisinde yer alan akademisyenlerin kredi kartı kullanımları ele alınmaktadır. Bu bağlamda Karabük Üniversitesi akademik personeline anket uygulaması yapılmıştır. Anket sonucu ulaşılan verilere, Yüzde Analizi, Mertebeli Dereceleme ve Tek Faktörlü Çoklu Varyans Analizi (MANOVA uygulanmaktadır. Araştırma sonuçlarına göre araştırmaya katılan akademisyenlerin kredi kartını kontrollü ve bilinçli kullandıkları ve kredi kartı kullanımlarının plansız satın alma davranışına neden olmadığı ifade edilebilir. The effect of Credit Card on Impulse Purchase: An application for the Academic staff of Karabuk University Along with providing facility in payment, the widening use of credit cards also increases consumption and causes consumers to buy non-essential products and experience difficulties in paying their credit card debts by increasing surplus purchases. This research focuses on the effects of credit cards on impulse purchase, which is an uncontrolled consumer behavior. Within the scope of the research, the use of credit cards by academicians in the socio-economic class B which comes next after the top level socio-economic class in Turkey is assessed. In this context, a survey is carried out with the academic staff of Karabuk University. The data acquired as the result of the survey is evaluated with

  10. 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...

  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. 互联网金融对商业银行信用卡业务影响的实证研究%An Empirical Study on the Spillover Effect and Substitution Effect of Internet Finance on Banks'Credit Card Revenue

    Institute of Scientific and Technical Information of China (English)

    罗长青; 李梦真; 杨彩林; 卢彦霖

    2016-01-01

    Under the background of the quick development of the Internet finance,this paper firstly analyzes the competition effects and spill over effects of Internet finance on commercial banks'credit card business.The empirical study is conducted using the structural equation models and samples of listed commercial banks with credit card information from 2007 ~2013.The re-sults show that the spillover effect is fulfilled by the intermediary function of the online banking business of commercial banks,and the competition effect is not significant.This result indicates that the Internet finance have promote the credit card business,and commercial banks should be more positive in developing the Internet finance and its business.%基于上市商业银行2007~2013年信用卡业务数据,运用结构方程模型考量互联网金融对商业银行信用卡业务的影响,结果表明,互联网金融通过网络银行业务的中介作用,实现对信用卡业务的溢出效应,在一定程度上促进商业银行信用卡业务的发展,但互联网金融的替代效应却不显著。有鉴于此,商业银行应积极开拓互联网金融,加快其自身业务的发展。

  13. Smart Card

    Directory of Open Access Journals (Sweden)

    Floarea NASTASE

    2006-01-01

    Full Text Available 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 integrity, physical access control to facilities, and logical access control to an computer systems.

  14. Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.

    2010-01-01

    We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not

  15. Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.

    2010-01-01

    We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not fin

  16. CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

    OpenAIRE

    Turgay GECER

    2012-01-01

    Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...

  17. CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

    OpenAIRE

    Turgay GECER

    2012-01-01

    Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...

  18. Smart Cards and Card Operating Systems

    NARCIS (Netherlands)

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

    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

  19. CREDIT MANAGEMENT MODEL WITH A GIVEN LOSS RATE

    Directory of Open Access Journals (Sweden)

    Elena G. Snegova

    2013-01-01

    Full Text Available This article describes the credit limit model with a given loss rate. Applying this model, it is possible to increase the profitability of the bank’s product in the case of fast loans issued in the form of credit cards. Author offers a method for simulating of credit limit utilization functions. It is formulated and solved the problem of finding the optimal credit limit for the borrower.

  20. Playing cards.

    Science.gov (United States)

    1977-01-01

    Mrs. Zahia Marzouk, vice-president of the Alexandria Family Planning Association and a living legend of Egyptian family planning, does not believe in talking about problems. She is far too busy learning from people and teaching them. Her latest brainstorm is a set of playing cards designed to help girls and women to read and learn about family planning at the same time. The 5 packs of cards, representing familiar words and sounds, and each with a family planning joker, took Mrs. Marzouk 6 months to design and paint by hand. They have now been printed, packed into packets provided by UNICEF, and distributed to some 2000 literacy groups in factories and family planning clinics. Each woman who succeeds in learning to read is encouraged to teach 4 others. They then go to the family planning clinic to be examined and gain a certificate. For the teacher who has made them proficient there is a special prize. Girls at El Brinth village outside Alexandria are pictured playing cards at the family planning center where they are learning various skills including how to read.

  1. REBOUND OF THE ROMANIAN CARD MARKET AFTER THE CRISIS AND ITS IMPACT ON THE BANKING PROFITABILITY

    Directory of Open Access Journals (Sweden)

    Magdalena RADULESCU

    2017-07-01

    Full Text Available The Romanian cards market relaunched after the crisis period, because the credit diminished or even stoped during 2008-2013, so the banks had to rely on the fees granted by issued cards or by banking payments operations. So, the total issued banking cards increased a lot during the last years and the electronic banking services developed.

  2. Do You Take Credit Cards? Security and Compliance for the Credit Card Payment Industry

    Science.gov (United States)

    Willey, Lorrie; White, Barbara Jo

    2013-01-01

    Security is a significant concern in business and in information systems (IS) education from both a technological and a strategic standpoint. Students can benefit from the study of information systems security when security concepts are introduced in the context of real-world industry standards. The development of a data security standard for…

  3. Credit and Insurance for Human Capital Investments

    OpenAIRE

    Alexander Monge; Lance Lochner

    2012-01-01

    Student loan debt in the US stands at roughly $1 trillion, exceeding credit card debt. In recent years, private lending for undergraduates has skyrocketed to account for roughly 20% of all student loan dollars disbursed. At the same time, youth from low-income families are significantly less likely to attend college relative to their higher-income counterparts. This paper examines the nature of credit for education in the presence of uncertainty and problems of limited commitment by borrowers...

  4. Credit Where Credit Is Due

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    Consumer finance companies will boost national consumption and allow Chinese citizens to broaden their purchasing horizons Buying refrigerators, washing machines or computers, in addition to paying for a variety of other expenses, will be made easier after consumer credit

  5. Ana credit

    Directory of Open Access Journals (Sweden)

    Matić Vesna

    2017-01-01

    Full Text Available To support the implementation of some tasks in the Euro system regarding the financial system stability supervision, risk management and monetary policy, the European Central Bank adopted a project of setting up a comprehensive database containing the detailed information on individual bank loans in the Eurozone, named Ana Credit. The full implementation of the project begins on 30 September 2018.

  6. High-Risk Health and Credit Behavior among 18- to 25-Year-Old College Students

    Science.gov (United States)

    Adams, Troy; Moore, Monique

    2007-01-01

    The number of students accumulating credit card debt--and the amount of debt itself--on college campuses is increasing. If high-risk credit and health behavior are associated, health behavior interventions might apply to high-risk credit behavior. Objective: The authors' purpose was to examine these possible associations. Participants and Methods:…

  7. High-Risk Health and Credit Behavior among 18- to 25-Year-Old College Students

    Science.gov (United States)

    Adams, Troy; Moore, Monique

    2007-01-01

    The number of students accumulating credit card debt--and the amount of debt itself--on college campuses is increasing. If high-risk credit and health behavior are associated, health behavior interventions might apply to high-risk credit behavior. Objective: The authors' purpose was to examine these possible associations. Participants and Methods:…

  8. FRENCH PROTOCOL CARDS

    CERN Multimedia

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

    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.

  9. 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.

  10. 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

  11. RELATIONSHIP OF THE SHOPPING ON THE INTERNET AND ATTITUDES TOWARD THE MONEY AND CREDIT CARDS/ PARA VE KREDİ KARTINA İLİŞKİN TUTUMLARIN İNTERNET ÜZERİNDEN YAPILAN ALIŞVERİŞLE İLİŞKİSİ

    Directory of Open Access Journals (Sweden)

    Deniz KONAÇ

    2016-03-01

    Full Text Available Tüm dünyada hızla yayılan internet, alışveriş için de giderek daha çok kullanılmaya başlanmıştır. Önceki araştırmalarda internet üzerinden alışveriş yapma davranışını paraya karşı ve kredi kartına karşı tutumların, internet üzerinden alışverişte algılanan riskler ile yararların ve demografik değişkenlerin ayrı ayrı etkilediği saptanmış ancak bu faktörlerin hepsinin birbiriyle olan ilişkisi incelenmemiştir. Bu çalışmada yukarıda bahsedilen faktörlerin tümünün arasındaki ilişki ilk kez incelenmiştir. Gelir durumunun ve kredi kartı sahibi olmanın Elde Tutma Boyutu ile aynı yönde bir ilişki gösterdiği, kredi kartına ilişkin tutumlar ile Güç/Prestij Boyutunun ve Kaygı Boyutunun aynı yönde bir ilişki gösterdiği, kredi kartına ilişkin tutumların İnternet Üzerinden Alışverişte Algılanan Yararlar puanındaki varyansı açıkladığı ve eğitim düzeyi ile İnternet Üzerinden Alışverişte Algılanan Riskler arasında doğrusal olmayan bir ilişki olduğu ortaya çıkmıştır. The internet is being used as a means for shopping ever-increasingly. Attitudes toward money, attitudes toward credit card, perceived benefits and risks of online shopping and demographical variables are separately shown to affect online shopping behavior by previous research. However, the relationship between these factors altogether was not studied. This current study aims to examine the relationship between all factors for the first time. A positive relationship between Retention Dimension and income state was observed. A positive relationship between attitudes toward credit card and Power/Prestige Dimension along with Anxiety Dimension was observed. Attitudes toward credit card explain the variance in Perceived Benefits of Online Shopping scores. A non-linear relationship between educational status and Perceived Risks of Online Shopping was observed.

  12. 77 FR 10958 - International Services Surveys: BE-150, Quarterly Survey of Cross-Border Credit, Debit, and...

    Science.gov (United States)

    2012-02-24

    ..., Quarterly Survey of Cross-Border Credit, Debit, and Charge Card Transactions AGENCY: Bureau of Economic... on the BE-150, Quarterly Survey of Cross-Border Credit, Debit, and Charge Card Transactions, to... number (PIN). PIN-based debit network companies will be required to report on cross- border...

  13. The Growth Potential of Debit Cards in Singapore

    OpenAIRE

    Heng, Deborah

    2010-01-01

    This paper starts by examining the evolution of the Singapore payments system from a historical perspective by reviewing the institutional evolution, as well as the development and adoption of some of the newest payment instruments. Two major trends in recent Singapore payment history are revealed, i.e. cash and check payments are being displaced by credit and debit card and other electronic mode of payments and usage of debit cards is seeing significant growth. From the literature revie...

  14. 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...

  15. 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.

  16. CERNET Interface Card

    CERN Multimedia

    1978-01-01

    Homegrown networking technology pre-dating the internet. This is a CERNnet card developed and built at CERN. There was a lot of space on the card between the components, so the engineers decided to put their portraits on it.

  17. Print a Bed Bug Card - (Single Cards)

    Science.gov (United States)

    Two sets of business-card-sized lists of tips for recognizing bed bugs and the signs of an infestation, including a photo of bed bugs to assist identification. One card is for general use around home or office, the other for travelers.

  18. Computer Data Punch Cards

    CERN Multimedia

    Those card are printed with minimal layout aids for the formatting of FORTRAN programs, plus extra guidelines every ten columns suggesting a generic tabular data layout. A punch card is a piece of stiff paper that can be used to contain digital information represented by the presence or absence of holes in predefined positions. Punched cards were used for specialized unit record machines, organized into semiautomatic data processing systems, used punched cards for data input, output, and storage. Furthermore many new digital computers started to used punched cards.

  19. 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...

  20. 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...

  1. 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...

  2. MODELING CREDIT RISK THROUGH CREDIT SCORING

    OpenAIRE

    Adrian Cantemir CALIN; Oana Cristina POPOVICI

    2014-01-01

    Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted through a series of techniques such as credit scoring models, which form the traditional approach. This paper examines the evolution of...

  3. Irresponsible Lending?: A Case Study of a U.K. Credit Industry Reform Initiative

    OpenAIRE

    Richards, Maria; Palmer, Paul; Bogdanova, Mariana

    2008-01-01

    There are major concerns about the level of personal borrowing, particularly sourced from credit cards. This paper charts the progress of an initiative to create a Responsible Lending Index (RLI) for the credit industry. The RLI proposed to voluntarily benchmark lending standards and promote best practice within the credit industry by involving suppliers of credit, customer representatives and regulators. However, despite initial support from some banks, consumer bodies and the Chair of the T...

  4. 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

  5. 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.

  6. Shuffling with ordered cards

    CERN Document Server

    Butler, Steve

    2010-01-01

    We consider a problem of shuffling a deck of cards with ordered labels. Namely we split the deck of N=k^tq cards (where t>=1 is maximal) into k equally sized stacks and then take the top card off of each stack and sort them by the order of their labels and add them to the shuffled stack. We show how to find stacks of cards invariant and periodic under the shuffling. We also show when gcd(q,k)=1 the possible periods of this shuffling are all divisors of order_k(N-q).

  7. Print a Bed Bug Card

    Science.gov (United States)

    Two sets of business card-sized lists of tips for prevention of bed bug infestations, one for general use around home, the other for travelers. Print a single card or a page of cards for distribution.

  8. Credit Management System

    Data.gov (United States)

    US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...

  9. Method card design dimensions

    DEFF Research Database (Denmark)

    Wölfel, Christiane; Merritt, T.

    2013-01-01

    . 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...

  10. Method card design dimensions

    DEFF Research Database (Denmark)

    Wölfel, Christiane; Merritt, T.

    2013-01-01

    . 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.......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...

  11. The topology of card transaction money flows

    Science.gov (United States)

    Zanin, Massimiliano; Papo, David; Romance, Miguel; Criado, Regino; Moral, Santiago

    2016-11-01

    Money flow models are essential tools to understand different economical phenomena, like saving propensities and wealth distributions. In spite of their importance, most of them are based on synthetic transaction networks with simple topologies, e.g. random or scale-free ones, as the characterisation of real networks is made difficult by the confidentiality and sensitivity of money transaction data. Here, we present an analysis of the topology created by real credit card transactions from one of the biggest world banks, and show how different distributions, e.g. number of transactions per card or amount, have nontrivial characteristics. We further describe a stochastic model to create transactions data sets, feeding from the obtained distributions, which will allow researchers to create more realistic money flow models.

  12. Balancing Participation across Students in Large College Classes via Randomized Participation Credit

    Science.gov (United States)

    McCleary, Daniel F.; Aspiranti, Kathleen B.; Foster, Lisa N.; Blondin, Carolyn A.; Gaylon, Charles E.; Yaw, Jared S.; Forbes, Bethany N.; Williams, Robert L.

    2011-01-01

    The study examines the effects of randomized credit on the percentage of students participating at four predefined levels. Students recorded their comments on specially designed record cards, and days were randomly selected for participation credit. This arrangement balanced participation across students while cutting instructor time for recording…

  13. 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...

  14. Credit for comments, comments for credit

    OpenAIRE

    Sommer, Robert

    2007-01-01

    A survey in 2 undergraduate psychology classes (N = 93) found ambivalent attitudes toward credit for classroom participation. Although students viewed credit as a way to increase interaction and improve attendance, they also believed it could stimulate irrelevant comments and penalize shy students. The following year, in a class of 49 students, halfway through the course, the instructor offered a small amount of credit for office visits and for participation, but only on alternate days. The i...

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

    Science.gov (United States)

    2011-12-08

    ... Protection Act of 2010. The proposed Policy Statement sets forth the CFPB's proposed initial disclosure of... pursuant to several provisions of the Consumer Financial Protection Act of 2010 (the ``Consumer Financial Protection Act'' or the ``Act''), including sections 1013(b)(3), 1025, 1034(a), and 1034(b), 12 U.S.C. 5493(b...

  17. 77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

    Science.gov (United States)

    2012-06-22

    ..., issuers, and other concerned stakeholders on how best to provide additional context for the public... information is true to the best of their knowledge and belief. The consumer is asked for a verifiable account... sellers would attract fewer complaints than issuers that collected their own debts. Trade groups agreed...

  18. Online credit card fraud prediction based on hierarchical temporal ...

    African Journals Online (AJOL)

    PROMOTING ACCESS TO AFRICAN RESEARCH ... This paper demonstrates the behaviour of an HTM model with respect to its ... Java programming language was used for implementation and Matlab was used to carry out simulations.

  19. 26 CFR 1.1374-6 - Credits and credit carryforwards.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 11 2010-04-01 2010-04-01 true Credits and credit carryforwards. 1.1374-6... TAX (CONTINUED) INCOME TAXES Small Business Corporations and Their Shareholders § 1.1374-6 Credits and credit carryforwards. (a) In general. The credits and credit carryforwards allowed as credits against the...

  20. Credit for Comments, Comments for Credit

    Science.gov (United States)

    Sommer, Robert; Sommer, Barbara A.

    2007-01-01

    A survey in 2 undergraduate psychology classes (N = 93) found ambivalent attitudes toward credit for classroom participation. Although students viewed credit as a way to increase interaction and improve attendance, they also believed it could stimulate irrelevant comments and penalize shy students. The following year, in a class of 49 students,…

  1. Credit Union Headquarters

    Data.gov (United States)

    Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...

  2. 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.

  3. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich

    2015-03-01

    Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.

  4. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to credit policy is clearly inappropriate....

  5. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

    The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...

  6. Plastic Surgery

    Science.gov (United States)

    ... Surgery? A Week of Healthy Breakfasts Shyness Plastic Surgery KidsHealth > For Teens > Plastic Surgery Print A A ... forehead lightened with a laser? What Is Plastic Surgery? Just because the name includes the word "plastic" ...

  7. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach...

  8. Credit Risk Management

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The bank is exposed to credit risk, the risk of not being able to recuperate the debtor claims as a result of the activity of granting loans to the clientele. Also, credit risk may manifest due to investments in other local and foreign credit institutions. Credit risk may be minimized through the careful evaluation of credit solicitors, through their monitoring along the duration of the loan and through the establishing of risk exposure limits, of significant risk margins as well as the acceptable balance between risk and profit.

  9. 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...

  10. Disruption - Access cards service

    CERN Multimedia

    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.

  11. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Science.gov (United States)

    2010-04-01

    ... contracts are cost beneficial to the Government. The determination of whether the contract is cost... appropriate to the size of the Government's investment or interest. The Commissioner may not pay any fee or..., additional amounts, and additions to tax. (2) Payments by electronic funds transfer other than payments by...

  12. Design and Development of Card-Sized Virtual Keyboard Using Permanent Magnets and Hall Sensors

    Science.gov (United States)

    Demachi, Kazuyuki; Ohyama, Makoto; Kanemoto, Yoshiki; Masaie, Issei

    This paper proposes a method to distinguish the key-type of human fingers attached with the small permanent magnets. The Hall sensors arrayed in the credit card size area feel the distribution of the magnetic field due to the key-typing movement of the human fingers as if the keyboard exists, and the signal is analyzed using the generic algorithm or the neural network algorism to distinguish the typed keys. By this method, the keyboard can be miniaturized to the credit card size (54mm×85mm). We called this system `The virtual keyboard system'.

  13. Smart Icon Cards

    Science.gov (United States)

    Dunbar, Laura

    2015-01-01

    Icons are frequently used in the music classroom to depict concepts in a developmentally appropriate way for students. SmartBoards provide music educators yet another way to share these manipulatives with students. This article provides a step-by-step tutorial to create Smart Icon Cards using the folk song "Lucy Locket."

  14. 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.

  15. Improving Credit Scorecard Modeling Through Applying Text Analysis

    Directory of Open Access Journals (Sweden)

    Omar Ghailan

    2016-04-01

    Full Text Available In the credit card scoring and loans management, the prediction of the applicant’s future behavior is an important decision support tool and a key factor in reducing the risk of Loan Default. A lot of data mining and classification approaches have been developed for the credit scoring purpose. For the best of our knowledge, building a credit scorecard by analyzing the textual data in the application form has not been explored so far. This paper proposes a comprehensive credit scorecard model technique that improves credit scorecard modeling though employing textual data analysis. This study uses a sample of loan application forms of a financial institution providing loan services in Yemen, which represents a real-world situation of the credit scoring and loan management. The sample contains a set of Arabic textual data attributes defining the applicants. The credit scoring model based on the text mining pre-processing and logistic regression techniques is proposed and evaluated through a comparison with a group of credit scorecard modeling techniques that use only the numeric attributes in the application form. The results show that adding the textual attributes analysis achieves higher classification effectiveness and outperforms the other traditional numerical data analysis techniques.

  16. A Soft Intelligent Risk Evaluation Model for Credit Scoring Classification

    Directory of Open Access Journals (Sweden)

    Mehdi Khashei

    2015-09-01

    Full Text Available Risk management is one of the most important branches of business and finance. Classification models are the most popular and widely used analytical group of data mining approaches that can greatly help financial decision makers and managers to tackle credit risk problems. However, the literature clearly indicates that, despite proposing numerous classification models, credit scoring is often a difficult task. On the other hand, there is no universal credit-scoring model in the literature that can be accurately and explanatorily used in all circumstances. Therefore, the research for improving the efficiency of credit-scoring models has never stopped. In this paper, a hybrid soft intelligent classification model is proposed for credit-scoring problems. In the proposed model, the unique advantages of the soft computing techniques are used in order to modify the performance of the traditional artificial neural networks in credit scoring. Empirical results of Australian credit card data classifications indicate that the proposed hybrid model outperforms its components, and also other classification models presented for credit scoring. Therefore, the proposed model can be considered as an appropriate alternative tool for binary decision making in business and finance, especially in high uncertainty conditions.

  17. TPG: Unireso travel cards soon to be available for purchase at CERN

    CERN Multimedia

    2013-01-01

    In the framework of a partnership between CERN and the TPG, all active and retired members of the CERN personnel will be able to purchase Unireso travel cards from the CERN Hostel - Building 39 (Meyrin site) from 1 February 2013. At the same time, the CERN Staff Association will stop selling cards to its members.   How to order a travel card From 1 February onwards, travel cards can be ordered* directly from the reception of the CERN Hostel (Building 39) between the hours of 7.30 a.m. and 1.00 p.m. Mondays to Fridays: → a digital photograph will be taken when you order your card, → the card must be paid for, by credit card (EuroMaster, Visa or American Express) or in cash (Swiss francs only), when the order is placed. *Please note that cards ordered at CERN will not be valid until at least 8 working days after purchase. No reimbursement will be possible once the order has been placed. Prices Travel cards will be on sale at the following prices (including 8% VAT): Regi...

  18. 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...

  19. Seeking Universal Credit Ratings

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Amid the EU’s ongoing sovereign debt crisis,the current international credit rating system has been accused of aggravating the world’s economic woes.Recently,Guan Jianzhong,Chairman of the Board and President of the Beijing-based Dagong Global Credit Rating Co.Ltd.,spoke to Beijing Review reporter Yu Yan about reforms in the current international credit rating system and Dagong’s role.Dagong is the first non-Western rating agency to assess the world’s sovereign credit and risks.

  20. 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

  1. Credit Constraints in Education

    Science.gov (United States)

    Lochner, Lance; Monge-Naranjo, Alexander

    2012-01-01

    We review studies of the impact of credit constraints on the accumulation of human capital. Evidence suggests that credit constraints have recently become important for schooling and other aspects of households' behavior. We highlight the importance of early childhood investments, as their response largely determines the impact of credit…

  2. Dual Credit Report

    Science.gov (United States)

    Light, Noreen

    2016-01-01

    In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…

  3. Thinking Beyond Credit

    NARCIS (Netherlands)

    Ploeg, van der J.D.

    2010-01-01

    Credit is often seen as an indispensable vehicle for the poor to get out of poverty, or as the tool that allows farmers to get access to new technologies, to increase productivity and their incomes. But many existing credit programmes often undermine farmers’ independence, tie them into dependency r

  4. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

    Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

    2010-01-01

    During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... regulations in the countries participating in CREDIT. The Performance Indicator Framework encompassed 187 indicators grouped in 7 main groups of indicators and 42 sub-groups. Based on the CREDIT case studies it was concluded that there neither is link between certain indicators and specific building types...

  5. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

    Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

    2010-01-01

    During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... regulations in the countries participating in CREDIT. The Performance Indicator Framework encompassed 187 indicators grouped in 7 main groups of indicators and 42 sub-groups. Based on the CREDIT case studies it was concluded that there neither is link between certain indicators and specific building types...

  6. 12 CFR 334.91 - Duties of card issuers regarding changes of address.

    Science.gov (United States)

    2010-01-01

    ... STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Identity Theft Red Flags § 334.91 Duties of card issuers... subsidiary of such entities (except brokers, dealers, persons providing insurance, investment companies, and investment advisers). (b) Definitions. For purposes of this section: (1) Cardholder means a consumer who...

  7. Self-Fulfilling Credit Cycles

    OpenAIRE

    Costas Azariadis; Leo Kaas; Yi Wen

    2015-01-01

    In U.S. data 1981–2012, unsecured firm credit moves procyclically and tends to lead GDP, while secured firm credit is acyclical; similarly, shocks to unsecured firm credit explain a far larger fraction of output fluctuations than shocks to secured credit. In this paper we develop a tractable dynamic general equilibrium model in which unsecured firm credit arises from self-enforcing borrowing constraints, preventing an efficient capital allocation among heterogeneous firms. Unsecured credit re...

  8. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  9. Plasticity theory

    CERN Document Server

    Lubliner, Jacob

    2008-01-01

    The aim of Plasticity Theory is to provide a comprehensive introduction to the contemporary state of knowledge in basic plasticity theory and to its applications. It treats several areas not commonly found between the covers of a single book: the physics of plasticity, constitutive theory, dynamic plasticity, large-deformation plasticity, and numerical methods, in addition to a representative survey of problems treated by classical methods, such as elastic-plastic problems, plane plastic flow, and limit analysis; the problem discussed come from areas of interest to mechanical, structural, and

  10. Challenging Credit Dominance

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    @@ Europe's widening sovereign debt crisis has brought independent credit ratings to the forefront of the EU's agenda.To directly address the mat ter,the EU announced plans to set up a European creditrating authority for sovereign debt ratings on April 30.This marked a milestone in the international credit history,and the beginning of changes to U.S.-dominated international credit ratings and the pattern of international politics and economics,said Sun Zhe,Director of the Center for U.S.

  11. Print a Bed Bug Card - (Page of Cards)

    Science.gov (United States)

    For mass distribution: two sets of business-card-sized lists of tips for recognizing bed bugs and signs of an infestation, including a photo of bed bugs to assist identification. One card is for general use around home or office, the other for travelers.

  12. Design Credit for Compressive Residual Stresses in Turbine Engine Components

    Science.gov (United States)

    2005-03-01

    Laser shock processing (LSP) and low plasticity burnishing (LPB) provide impressive fatigue and damage tolerance improvement by introducing deep or...edges to mitigate FOD and fan blade dovetail surfaces to mitigate fretting damage. Keywords: design credit, fatigue, low plasticity burnishing ...As a simple example, consider a plate containing a central hole loaded in tension with some superimposed vibratory stresses, at R = 0.7. The

  13. 7 CFR 1030.55 - Transportation credits and assembly credits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 9 2010-01-01 2009-01-01 true Transportation credits and assembly credits. 1030.55... MIDWEST MARKETING AREA Order Regulating Handling Class Prices § 1030.55 Transportation credits and assembly credits. (a) Each handler operating a pool distributing plant described in § 1030.7(a), (b), (d...

  14. Electronic payments using payment cards

    NARCIS (Netherlands)

    Waaij, B.D. van der; 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 a

  15. Electronic payments using payment cards

    NARCIS (Netherlands)

    Waaij, B.D. van der; 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 a

  16. 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,

  17. Smart Cards and remote entrusting

    Science.gov (United States)

    Aussel, Jean-Daniel; D'Annoville, Jerome; Castillo, Laurent; Durand, Stephane; Fabre, Thierry; Lu, Karen; Ali, Asad

    Smart cards are widely used to provide security in end-to-end communication involving servers and a variety of terminals, including mobile handsets or payment terminals. Sometime, end-to-end server to smart card security is not applicable, and smart cards must communicate directly with an application executing on a terminal, like a personal computer, without communicating with a server. In this case, the smart card must somehow trust the terminal application before performing some secure operation it was designed for. This paper presents a novel method to remotely trust a terminal application from the smart card. For terminals such as personal computers, this method is based on an advanced secure device connected through the USB and consisting of a smart card bundled with flash memory. This device, or USB dongle, can be used in the context of remote untrusting to secure portable applications conveyed in the dongle flash memory. White-box cryptography is used to set the secure channel and a mechanism based on thumbprint is described to provide external authentication when session keys need to be renewed. Although not as secure as end-to-end server to smart card security, remote entrusting with smart cards is easy to deploy for mass-market applications and can provide a reasonable level of security.

  18. It's All in the Cards.

    Science.gov (United States)

    Burke, Jim

    2002-01-01

    Describes how the author learned by watching low-achieving students play intricate card games such as "Magic" that they can learn, can remember, and certainly can master information. Realizes that these cards were advanced learning tools, multifaceted texts using color, symbols, images, texts, and metaphor to help create a world of information.…

  19. 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 flexib...... 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.......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...

  20. Dual-Credit in Kentucky

    Science.gov (United States)

    Stephenson, Lisa G.

    2013-01-01

    Credit-based transition programs provide high school students with opportunities to jump start their college education. The Kentucky Community and Technical College System (KCTCS) offers college credit through dual-credit programs. While KCTCS dual-credit offerings have been successful in helping high school students start their college education…

  1. 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.

  2. Plastic Jellyfish.

    Science.gov (United States)

    Moseley, Christine

    2000-01-01

    Presents an environmental science activity designed to enhance students' awareness of the hazards of plastic waste for wildlife in aquatic environments. Discusses how students can take steps to reduce the effects of plastic waste. (WRM)

  3. Credit derivatives and risk management

    OpenAIRE

    Michael S. Gibson

    2007-01-01

    The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...

  4. Models of Credit Risk Measurement

    OpenAIRE

    Hagiu Alina

    2011-01-01

    Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...

  5. Credit and civilization.

    Science.gov (United States)

    Newton, Tim

    2003-09-01

    This paper analyses financial credit in order to re-examine the work of Norbert Elias, particularly his association of interdependency complexity with social discipline, and his approach to contradiction. Following a discussion of these issues, the paper examines Elias's writing on money and explores the emergence of financial credit networks in early modern England. Attention is paid to credit networks and social discipline, to credit and the state, and to the contradictory images associated with the transition to modern cash economies. From one perspective, early modern credit networks might be read as a confirmation of Elias, particularly his argument that interdependency complexity, changing power balances and self-restraint are interwoven. Yet the development of modern cash money raises questions, not just in relation to Elias's treatment of money, but also with regard to his assumptions about social discipline and his approach to ambivalence and contradiction. Drawing on the foregoing discussion, the paper argues that the relation between interdependency complexity and social discipline is contingent and variable, and that interdependency complexity may simultaneously encourage contradictory processes, such as those of civilizing and barbarity.

  6. 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 ...

  7. School health report card.

    Science.gov (United States)

    Presswood, Rebecca F

    2005-09-01

    School nurses all across the nation perform valuable screenings every year for the students in their schools. These screenings identify abnormalities that have the potential to affect their education. With skill and determination, a variety of health screenings are performed and the results communicated with the parents of the children. A health "report card" is a proposed method of communicating vital health screening information, including the height, weight, and BMI of every student. This is directly related to the epidemic of childhood obesity. Current life styles promote minimal exercise and increased consumption of food that has minor nutritional value. It is time to identify affected children and become engaged in resolving this health crisis, by teaching this nation's children behaviors that will result in optimal health.

  8. Management Strategy Of Bank Credit Portfolio

    OpenAIRE

    Nenad Vunjak; Tamara Antonijevic

    2008-01-01

    Credit portfolio includes a credit group that is structured by bank management team according to credit users. Realizing the key targets of credit portfolio management imply the analysis of: (1) volume of credits, (2) portfolio structure, (3) credit services, (4) payment of credits, (5) credit price (interest rate), (6) realized profit. The credit portfolio modeling is the top management competence. Performance of credit portfolio depends from expect risks and returns estimate, having insight...

  9. Punch card programmable microfluidics.

    Science.gov (United States)

    Korir, George; Prakash, Manu

    2015-01-01

    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 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 of holes in punched paper tapes, we demonstrate independent control of 15 on-chip pumps with enhanced mixing, normally-closed valves and a novel on-demand impact-based droplet generator. We demonstrate robustness of operation by encoding a string of characters representing the word "PUNCHCARD MICROFLUIDICS" using the droplet generator. Multiplexing is demonstrated by implementing an example colorimetric water quality assays for pH, ammonia, nitrite and nitrate content in different water samples. With its portable and robust design, low cost and ease-of-use, we envision punch card programmable microfluidics will bring complex control of microfluidic chips into field-based applications in low-resource settings and in the hands of children around the world.

  10. Punch card programmable microfluidics.

    Directory of Open Access Journals (Sweden)

    George Korir

    Full Text Available 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 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 of holes in punched paper tapes, we demonstrate independent control of 15 on-chip pumps with enhanced mixing, normally-closed valves and a novel on-demand impact-based droplet generator. We demonstrate robustness of operation by encoding a string of characters representing the word "PUNCHCARD MICROFLUIDICS" using the droplet generator. Multiplexing is demonstrated by implementing an example colorimetric water quality assays for pH, ammonia, nitrite and nitrate content in different water samples. With its portable and robust design, low cost and ease-of-use, we envision punch card programmable microfluidics will bring complex control of microfluidic chips into field-based applications in low-resource settings and in the hands of children around the world.

  11. Caquexia cardíaca

    OpenAIRE

    A. Miján de la Torre; E. Martín de la Torre; de Mateo Silleras, Beatriz

    2006-01-01

    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 m...

  12. 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 flexib...... 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....

  13. Leasing versus Credit

    OpenAIRE

    Chalupecký, Jakub

    2008-01-01

    The aim of the bachelor thesis is to compare a leasing and a credit as a form of external financing long-term assets especially from accounting, tax and legal point of view. An accounting part is focused on the beginning, standard progress and correct ending of a contract. A chapter devoted to taxes follows the preceding accounting issues. In a following chapter the thesis is focused on a comparison of an economic advantage of a financial leasing and a credit. Lastly the theoretical knowledge...

  14. Turning a Private Label Bank Card into a Multi-function Campus ID Card.

    Science.gov (United States)

    James, Thomas G.; Norwood, Bill R.

    1991-01-01

    This article describes the development at Florida State University of the Seminole ACCESS card, which functions simultaneously as a bank automated teller machine card, a student identification card, and a debit card. Explained are the partnership between the university and the bank charge card center, funding system, technologies involved, and…

  15. 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...

  16. 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

  17. 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.

  18. 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.

  19. 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.

  20. 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.

  1. 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.

  2. Press rate card: Paralympic Games

    OpenAIRE

    2013-01-01

    This catalogue provides a general overview of the press rate card programme, in an effort to make it as user-friendly as possible for the accredited written and photographic press and non-rights-holding broadcasters.

  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. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

    Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...

  5. 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.

  6. Credit commercial et limitation du credit des entreprises canadiennes

    OpenAIRE

    Cunningham, Rose

    2005-01-01

    Burkart et Ellingsen (2004) ont elabore un modele de credit commercial et de limitation du credit bancaire selon lequel les entreprises a faible ou moyenne rentabilite auraient recours au credit commercial pour attenuer les effets de limitation du credit bancaire. Nous testons cette prediction et plusieurs autres produites par ce modele a partir d'un vaste echantillon compose de plus de 28 000 entreprises canadiennes. Au lieu de choisir arbitrairement les entreprises susceptibles de voir leur...

  7. Self-Fulfilling Credit Cycles

    OpenAIRE

    Costas Azariadis; Leo Kaas

    2012-01-01

    This paper argues that self-fulfilling beliefs in credit conditions can generate endogenously persistent business cycle dynamics. We develop a tractable dynamic general equilibrium model with idiosyncratic firm productivity shocks. Capital from less productive firms is lent to more productive ones in the form of credit secured by collateral and also as unsecured credit based on reputation. A dynamic complementarity between current and future credit constraints permits uncorrelated sunspot sho...

  8. Dynamic Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong;

    We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....

  9. Spatio-temporal credit assignment in neuronal population learning.

    Science.gov (United States)

    Friedrich, Johannes; Urbanczik, Robert; Senn, Walter

    2011-06-01

    In learning from trial and error, animals need to relate behavioral decisions to environmental reinforcement even though it may be difficult to assign credit to a particular decision when outcomes are uncertain or subject to delays. When considering the biophysical basis of learning, the credit-assignment problem is compounded because the behavioral decisions themselves result from the spatio-temporal aggregation of many synaptic releases. We present a model of plasticity induction for reinforcement learning in a population of leaky integrate and fire neurons which is based on a cascade of synaptic memory traces. Each synaptic cascade correlates presynaptic input first with postsynaptic events, next with the behavioral decisions and finally with external reinforcement. For operant conditioning, learning succeeds even when reinforcement is delivered with a delay so large that temporal contiguity between decision and pertinent reward is lost due to intervening decisions which are themselves subject to delayed reinforcement. This shows that the model provides a viable mechanism for temporal credit assignment. Further, learning speeds up with increasing population size, so the plasticity cascade simultaneously addresses the spatial problem of assigning credit to synapses in different population neurons. Simulations on other tasks, such as sequential decision making, serve to contrast the performance of the proposed scheme to that of temporal difference-based learning. We argue that, due to their comparative robustness, synaptic plasticity cascades are attractive basic models of reinforcement learning in the brain.

  10. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren

    2010-01-01

    There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity as col...

  11. Credit where due.

    Science.gov (United States)

    Friedman, Steven G

    2016-08-01

    The history of medicine is filled with stories of tireless researchers who failed to get credit for their hard work. Examples of this include Rosalind Franklin, who helped to elucidate the structure of DNA; Frederick Banting, who helped to discover insulin; and Jay McLean, who discovered heparin. The founding of the field of vascular surgery provides one of the most vivid examples of uncredited work. Even though Alexis Carrel was an unpaid, untitled assistant in Charles Guthrie's laboratory, it was Carrel alone who received a Nobel Prize for their work. In an attempt to give credit where due, the reasons for this injustice are described. Copyright © 2016 Society for Vascular Surgery. Published by Elsevier Inc. All rights reserved.

  12. Sovereign credit default swaps

    OpenAIRE

    Frank Packer; Chamaree Suthiphongchai

    2003-01-01

    This paper focuses on the sovereign segment of the credit default swap (CDS) market, examining data covering several years of quotes and trades from an important CDS inter-dealer broker. Compared to corporate or bank CDSs, sovereign CDSs are concentrated in fewer names and in contracts with reference assets of relatively short maturity, apparently a result of the fairly high proportion of low-rated sovereigns that tend to issue at short maturities. In addition, spreads on CDSs written on very...

  13. Passive microfluidic array card and reader

    Science.gov (United States)

    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.

  14. Plastics Technology.

    Science.gov (United States)

    Barker, Tommy G.

    This curriculum guide is designed to assist junior high schools industrial arts teachers in planning new courses and revising existing courses in plastics technology. Addressed in the individual units of the guide are the following topics: introduction to production technology; history and development of plastics; safety; youth leadership,…

  15. Credit Where Credit Is Due: Working with Our Service Members to Provide Credit for Experiential Learning

    Science.gov (United States)

    Boerner, Heather

    2013-01-01

    The awarding of prior learning credits for military students goes back to World War II, when the American Council on Education (ACE) first translated military training to college credit. Since then, the practice has expanded. More than 2,000 colleges and universities accept military training as a form of credit, explains Cathy Sandeen, ACE's vice…

  16. 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...

  17. 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

  18. 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

  19. 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

  20. 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 ...

  1. 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

  2. Quality of urban forest carbon credits

    Science.gov (United States)

    Neelam C. Poudyala; Jacek P. Siry; J.M. Bowker

    2011-01-01

    While the urban forest is considered an eligible source of carbon offset credits, little is known about its market potential and the quality aspects of the credits. As credit suppliers increase in number and credit buyers become more interested in purchasing carbon credits, it is unclear whether and how urban forest carbon credits can perform relative to the other...

  3. The SMile Card: a computerised data card for multiple sclerosis patients. SMile Card Scientific Board.

    Science.gov (United States)

    Mancardi, G L; Uccelli, M M; Sonnati, M; Comi, G; Milanese, C; De Vincentiis, A; Battaglia, M A

    2000-04-01

    The SMile Card was developed as a means for computerising clinical information for the purpose of transferability, accessibility, standardisation and compilation of a national database of demographic and clinical information about multiple sclerosis (MS) patients. In many European countries, centres for MS are organised independently from one another making collaboration, consultation and patient referral complicated. Only the more highly advanced clinical centres, generally located in large urban areas, have had the possibility to utilise technical possibilities for improving the organisation of patient clinical and research information, although independently from other centres. The information system, developed utilising the Visual Basic language for Microsoft Windows 95, stores information via a 'smart card' in a database which is initiated and updated utilising a microprocessor, located at each neurological clinic. The SMile Card, currently being tested in Italy, permits patients to carry with them all relevant medical information without limitations. Neurologists are able to access and update, via the microprocessor, the patient's entire medical history and MS-related information, including the complete neurological examination and laboratory test results. The SMile Card provides MS patients and neurologists with a complete computerised archive of clinical information which is accessible throughout the country. In addition, data from the SMile Card system can be exported to other database programs.

  4. 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...

  5. Antibiotic 'Report Card' Drills Guidelines into Dentists

    Science.gov (United States)

    ... page: https://medlineplus.gov/news/fullstory_160702.html Antibiotic 'Report Card' Drills Guidelines Into Dentists Seeing their ... HealthDay News) -- Dentists are less likely to prescribe antibiotics for patients after seeing a "report card" on ...

  6. 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.

  7. Trasplante cardíaco

    OpenAIRE

    Lázaro, Raúl José Burgos; Pocovi, Sebastián Ramis; Cabeza, Paloma Martínez; Fernández, Jesús López; Mejuto, Evaristo Castedo; García, Santiago Serrano-Fiz; Montero, Carlos García; Basterrechea, Juan Ugarte

    2011-01-01

    El trasplante cardíaco es el tratamiento más eficaz y consolidado de los pacientes con insuficiencia cardíaca grado D. El número de trasplantes registrados en el mundo es superior a 80.000, y en España, hasta diciembre de 2009 estaban registrados 6.048 trasplantes, con un máximo de 353 trasplantes en el año 2000. En este artículo se revisan las indicaciones y contraindicaciones, criterios de selección y mantenimiento del donante, técnica quirúrgica, complicaciones y resultados. La superviv...

  8. Credit and identity theft

    OpenAIRE

    Charles M. Kahn; Roberds, William

    2005-01-01

    The quintessential crime of the information age is identity theft, the malicious use of personal identifying data. In this paper we model “identity” and its use in credit transactions. Various types of identity theft occur in equilibrium, including “new account fraud,” “existing account fraud,” and “friendly fraud.” The equilibrium incidence of identity theft represents a tradeoff between a desire to avoid costly or invasive monitoring of individuals on the one hand and the need to control tr...

  9. 76 FR 3180 - Market Test of Gift Cards

    Science.gov (United States)

    2011-01-19

    ... advantage of cross-selling opportunities with greeting cards. The test will expand to up to 3,000 additional... the mails for sending gift cards, the Postal Service asserts that selling gift cards at Postal Service... costs of selling the product, the value of types of cards, card packaging and card locations to...

  10. 76 FR 66872 - International Services Surveys: Amendments to the BE-150, Quarterly Survey of Cross-Border Credit...

    Science.gov (United States)

    2011-10-28

    ... the BE-150, Quarterly Survey of Cross-Border Credit, Debit, and Charge Card Transactions AGENCY... entities that would be required to report information on the BE-150, Quarterly Survey of Cross-Border...-based debit network companies would be required to report on cross-border transactions between (1)...

  11. 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.

  12. 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.

  13. 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).

  14. Plastic bronchitis

    National Research Council Canada - National Science Library

    Singhi, Anil Kumar; Vinoth, Bharathi; Kuruvilla, Sarah; Sivakumar, Kothandam

    2015-01-01

    Plastic bronchitis, a rare but serious clinical condition, commonly seen after Fontan surgeries in children, may be a manifestation of suboptimal adaptation to the cavopulmonary circulation with unfavorable hemodynamics...

  15. Credit scoring for individuals

    Directory of Open Access Journals (Sweden)

    Maria DIMITRIU

    2010-12-01

    Full Text Available Lending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans, over time, some of them can become bad. For instance, as a result of the recent financial crisis, the capability of many borrowers to repay their loans were affected, many of them being on default. That’s why is important for the bank to monitor the loans. The purpose of this paper is to focus on credit scoring main issues. As a consequence of this, we presented in this paper the scoring model of an important Romanian Bank. Based on this credit scoring model and taking into account the last lending requirements of the National Bank of Romania, we developed an assessment tool, in Excel, for retail loans which is presented in the case study.

  16. Sharing credit / sharing blame.

    Science.gov (United States)

    Wilson, S N

    1999-01-01

    In the US, adolescent pregnancy, birth, and abortion rates are declining along with the numbers of adolescents who engage in sexual intercourse before they finish high school. Contraceptive use among adolescents is also rising. The adolescent pregnancy rate remains the highest in the industrialized world, but it is finally heading in the right direction and is at its lowest level in two decades. Responsibility for this favorable turn of events is assigned to a variety of factors including greater emphasis on delaying sexual activity; increasingly conservative attitudes about casual sex and out-of-wedlock births among adolescents; fear of acquiring sexually transmitted diseases, especially HIV/AIDS; popularity of long-lasting contraceptive methods; more consistent or effective use of contraception; and a strong economy with better job prospects. Others credit adults, parents, teachers, and health professionals. Adolescents themselves also deserve credit and praise for adopting responsible sex behavior. While some argue that adults must continue to provide adolescents with dual messages promoting abstinence and contraceptive usage, educators should also praise adolescents. Educators should also consider accepting a portion of the blame for the persistent homophobia in the US that has led to the brutal murders of young homosexuals. Educators must not shirk from addressing this issue, and if the subject is banned from the classroom, educators must take advantage of whatever opportunities arise in their homes and communities to answer questions and respond appropriately to inappropriate jokes and slurs.

  17. Collective credit allocation in science

    CERN Document Server

    Shen, Hua-Wei

    2014-01-01

    Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, since the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors' contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability...

  18. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

    This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...

  19. Plastic Fishes

    CERN Multimedia

    Trettnak, Wolfgang

    2015-01-01

    In terms of weight, the plastic pollution in the world’s oceans is estimated to be around 300,000 tonnes. This plastic comes from both land-based and ocean-based sources. A lecture at CERN by chemist Wolfgang Trettnak addressed this issue and highlighted the role of art in raising people’s awareness. The slideshow below gives you a taste of the artworks by Wolfgang Trettnak and Margarita Cimadevila.

  20. Plastic Bridge

    Institute of Scientific and Technical Information of China (English)

    履之

    1994-01-01

    Already ubiquitous in homes and cars, plastic is now appearing inbridges. An academic-industrial consortium based at the University ofCalifornia in San Diego is launching a three-year research program aimed atdeveloping the world’s first plastic highway bridge, a 450-foot span madeentirely from glass-,carbon,and polymer-fiber-reinforced composite mate-rials, the stuff of military aircraft. It will cross Interstate 5 to connect thetwo sides of the school’s campus.

  1. Palmistry, tarot cards, and psychotherapy.

    Science.gov (United States)

    Pejic, Nicholas G

    2008-01-01

    The author summarizes his experience with palm and Tarot card readers in New Orleans. The history, practice, and psychodynamics of palmistry and Tarot are explored. It's postulated that these practices are forms of archaic psychotherapy, which employ supportive treatment and placebo. These tactics are used to elicit hope for its clients.

  2. Towards an open sound card

    DEFF Research Database (Denmark)

    Dimitrov, Smilen; Serafin, Stefania

    2011-01-01

    The architecture of a sound card can, in simple terms, be described as an electronic board containing a digital bus interface hardware, and analog-to-digital (A/D) and digital-to-analog (D/A) converters; then, a soundcard driver software on a personal computer's (PC) operating system (OS) can con...

  3. Towards an open sound card

    DEFF Research Database (Denmark)

    Dimitrov, Smilen; Serafin, Stefania

    2011-01-01

    The architecture of a sound card can, in simple terms, be described as an electronic board containing a digital bus interface hardware, and analog-to-digital (A/D) and digital-to-analog (D/A) converters; then, a soundcard driver software on a personal computer's (PC) operating system (OS) can con...

  4. Comparing Candidate Hospital Report Cards

    Energy Technology Data Exchange (ETDEWEB)

    Burr, T.L.; Rivenburgh, R.D.; Scovel, J.C.; White, J.M.

    1997-12-31

    We present graphical and analytical methods that focus on multivariate outlier detection applied to the hospital report cards data. No two methods agree which hospitals are unusually good or bad, so we also present ways to compare the agreement between two methods. We identify factors that have a significant impact on the scoring.

  5. "Voyager": An Educational Card Game

    Science.gov (United States)

    Smith, David Ryan

    2003-01-01

    "Voyager" is an educational card game involving scientific satellites, developed for use in schools with children aged 9 to 13 years. The idea of the game is to improve pupils' knowledge about the large number of scientific satellites there are in space in a fun way, while also practising numeracy skills. Several copies of the game were…

  6. Credit rationing and firm size

    Directory of Open Access Journals (Sweden)

    G. CALCAGNINI

    2013-10-01

    Full Text Available This paper examines the likelihood of credit rationing faced by firms of different size. Contrary to common thought, several recent contributions on this topic argue that, when rationing credit, size alone is not a sufficient condition for discriminating between firms. We show that this result can be predicted using a framework based on the Stiglitz-Weiss model. In particular, in an environment of asymmetric information, we highlight how the likelihood of credit rationing depends upon the shape of the distribution function of project returns, especially its asymmetry and Kurtosis. Our empirical results do not support the hypothesis that small firms face more credit rationing than larger firms.

  7. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn

    2010-01-01

    manager education and business association membership are associated with whether a firm is credit constrained or not. Using our preferred measure of credit constraint suggests that around 43 per cent of the firms surveyed are constrained, and these enterprises would almost triple their debt burden......This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

  8. GREEN PLASTIC: A NEW PLASTIC FOR PACKAGING

    OpenAIRE

    Mr. Pankaj Kumar*, Sonia

    2016-01-01

    This paper gives a brief idea about a new type of plastic called as bio-plastic or green plastic. Plastic is used as a packaging material for various products, but this plastic is made up of non renewable raw materials. There are various disadvantages of using conventional plastic like littering, CO2 production, non-degradable in nature etc. To overcome these problems a new type of plastic is discovered called bio-plastic or green plastic. Bio-plastic is made from renewable resources and also...

  9. Your Credit Rights: An Instructional Unit on Consumer Credit Protection.

    Science.gov (United States)

    Kinsey, Jean A.; And Others

    This instructional guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as for use in adult and community education courses. The guide contains four sections, which can be used singly or in…

  10. CREDIT RISK. DETERMINATION MODELS

    Directory of Open Access Journals (Sweden)

    MIHAELA GRUIESCU

    2012-01-01

    Full Text Available The internationalization of financial flows and banking and the rapid development of markets have changed the financial sector, causing him to respond with force and imagination. Under these conditions, the concerns of financial and banking institutions, rating institutions are increasingly turning to find the best solutions to hedge risks and maximize profits. This paper aims to present a number of advantages, but also limits the Merton model, the first structural model for modeling credit risk. Also, some are extensions of the model, some empirical research and performance known, others such as state-dependent models (SDM, which together with the liquidation process models (LPM, are two recent efforts in the structural models, show different phenomena in real life.

  11. Credit concession through credit scoring: Analysis and application proposal

    Directory of Open Access Journals (Sweden)

    Oriol Amat

    2017-01-01

    Full Text Available Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests.  Design/methodology/approach: The empirical study has the objective of answering two questions: (1 Which ratios better discriminate the companies based on their being solvent or insolvent? and (2 What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been used (Multivariate Analysis of Variance, Linear Discriminant Analysis, Logit and Probit Models. Several samples of companies have been used in order to obtain and to test the model.  Findings: Through the application of several statistical techniques, the credit scoring model has been proved to be effective in discriminating between good and bad creditors.  Research limitations:  This study focuses on manufacturing, commercial and services companies of all sizes in Spain; Therefore, the conclusions may differ for other geographical locations. Practical implications:  Because credit is one of the main drivers of growth, a solid credit scoring model can help financial institutions assessing to whom to grant credit and to whom not to grant credit. Social implications: Because of the growing importance of credit for our society and the fear of granting it due to the latest financial turmoil, a solid credit scoring model can strengthen the trust toward the financial institutions assessment’s.  Originality/value: There is already a stream of literature related to credit scoring. However, this paper focuses on Spanish firms and proves the results of our model based on real data. The application of the model to detect the probability of default in loans is original.

  12. Signal processing for smart cards

    Science.gov (United States)

    Quisquater, Jean-Jacques; Samyde, David

    2003-06-01

    In 1998, Paul Kocher showed that when a smart card computes cryptographic algorithms, for signatures or encryption, its consumption or its radiations leak information. The keys or the secrets hidden in the card can then be recovered using a differential measurement based on the intercorrelation function. A lot of silicon manufacturers use desynchronization countermeasures to defeat power analysis. In this article we detail a new resynchronization technic. This method can be used to facilitate the use of a neural network to do the code recognition. It becomes possible to reverse engineer a software code automatically. Using data and clock separation methods, we show how to optimize the synchronization using signal processing. Then we compare these methods with watermarking methods for 1D and 2D signal. The very last watermarking detection improvements can be applied to signal processing for smart cards with very few modifications. Bayesian processing is one of the best ways to do Differential Power Analysis, and it is possible to extract a PIN code from a smart card in very few samples. So this article shows the need to continue to set up effective countermeasures for cryptographic processors. Although the idea to use advanced signal processing operators has been commonly known for a long time, no publication explains that results can be obtained. The main idea of differential measurement is to use the cross-correlation of two random variables and to repeat consumption measurements on the processor to be analyzed. We use two processors clocked at the same external frequency and computing the same data. The applications of our design are numerous. Two measurements provide the inputs of a central operator. With the most accurate operator we can improve the signal noise ratio, re-synchronize the acquisition clock with the internal one, or remove jitter. The analysis based on consumption or electromagnetic measurements can be improved using our structure. At first sight

  13. The Effect of Ownership Rights on Urban Households' Access to Credit in Lahore

    OpenAIRE

    Misha Saleem

    2011-01-01

    Land titling and ownership rights have recently been advocated in policy circles as a powerful tool for poverty reduction. The lack of formal titling prevents the use of property as collateral, and hence prevents the capital embedded in these assets from being "unlocked." Some studies show a fairly insignificant relationship between informal loans and property rights, while others indicate a significant positive relationship between formal loans (credit cards, bank loans, etc.) and land owner...

  14. Multiple Ratings and Credit Spreads

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.N.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  15. Collective credit allocation in science.

    Science.gov (United States)

    Shen, Hua-Wei; Barabási, Albert-László

    2014-08-26

    Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, because the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors' contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability to accurately measure the relative credit of researchers could affect many aspects of credit allocation in science, potentially impacting hiring, funding, and promotion decisions.

  16. Credit Protection and Lending Relationships

    NARCIS (Netherlands)

    Arping, S.

    2014-01-01

    We examine the impact of credit default swaps (CDS) on lending relationships and credit market efficiency. CDS insulate lenders against losses from forcing borrowers into default and liquidation. This improves the credibility of foreclosure threats, which can have positive implications for borrower

  17. Multiple Ratings and Credit Spreads

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.N.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  18. 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

  19. Plastic condoms.

    Science.gov (United States)

    1968-01-01

    Only simple equipment, simple technology and low initial capital investment are needed in their manufacture. The condoms can be made by people who were previously unskilled or only semi-skilled workers. Plastic condoms differ from those made of latex rubber in that the nature of the plastic film allows unlimited shelf-life. Also, the plastic has a higher degree of lubricity than latex rubber; if there is a demand for extra lubrication in a particular market, this can be provided. Because the plastic is inert, these condoms need not be packaged in hermetically sealed containers. All these attributes make it possible to put these condoms on the distributors' shelves in developing countries competitively with rubber condoms. The shape of the plastic condom is based on that of the lamb caecum, which has long been used as luxury-type condom. The plastic condom is made from plastic film (ethylene ethyl acrilate) of 0.001 inch (0.0254 mm.) thickness. In addition, a rubber ring is provided and sealed into the base of the condom for retention during coitus. The advantage of the plastic condom design and the equipment on which it is made is that production can be carried out either in labour-intensive economy or with varying degrees of mechanization and automation. The uniform, finished condom if made using previously untrained workers. Training of workers can be done in a matter of hours on the two machines which are needed to produce and test the condoms. The plastic film is provided on a double wound roll, and condom blanks are prepared by means of a heat-sealing die on the stamping machine. The rubber rings are united to the condom blanks on an assembly machine, which consists of a mandrel and heat-sealing equipment to seal the rubber ring to the base of the condom. Built into the assembly machine is a simple air-testing apparatus that can detect the smallest pinhole flaw in a condom. The manufacturing process is completed by unravelling the condom from the assembly

  20. 12 CFR 561.12 - Consumer credit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended... association relies substantially upon other factors, such as the general credit standing of the borrower...

  1. 7 CFR 4280.139 - Credit quality.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4280.139 Section 4280.139 Agriculture... Improvements Program Section B. Guaranteed Loans § 4280.139 Credit quality. The lender must determine credit quality and must address all of the elements of credit quality in a written credit analysis, including...

  2. 12 CFR 703.6 - Credit analysis.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least...

  3. Author Credit for Transdisciplinary Collaboration.

    Science.gov (United States)

    Xu, Jian; Ding, Ying; Malic, Vincent

    2015-01-01

    Transdisciplinary collaboration is the key for innovation. An evaluation mechanism is necessary to ensure that academic credit for this costly process can be allocated fairly among coauthors. This paper proposes a set of quantitative measures (e.g., t_credit and t_index) to reflect authors' transdisciplinary contributions to publications. These measures are based on paper-topic probability distributions and author-topic probability distributions. We conduct an empirical analysis of the information retrieval domain which demonstrates that these measures effectively improve the results of harmonic_credit and h_index measures by taking into account the transdisciplinary contributions of authors. The definitions of t_credit and t_index provide a fair and effective way for research organizations to assign credit to authors of transdisciplinary publications.

  4. Plastic Bronchitis.

    Science.gov (United States)

    Rubin, Bruce K

    2016-09-01

    Plastic bronchitis is an uncommon and probably underrecognized disorder, diagnosed by the expectoration or bronchoscopic removal of firm, cohesive, branching casts. It should not be confused with purulent mucous plugging of the airway as seen in patients with cystic fibrosis or bronchiectasis. Few medications have been shown to be effective and some are now recognized as potentially harmful. Current research directions in plastic bronchitis research include understanding the genetics of lymphatic development and maldevelopment, determining how abnormal lymphatic malformations contribute to cast formation, and developing new treatments. Copyright © 2016 Elsevier Inc. All rights reserved.

  5. 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.

  6. 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,

  7. 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,...

  8. Feocromocitoma cardíaco

    Directory of Open Access Journals (Sweden)

    Gustavo L. Knop

    2006-01-01

    Full Text Available Los feocromocitomas cardíacos primarios (FCP son sumamente infrecuentes. Hasta el presente son menos de 50 los casos comunicados en el mundo. Presentamos el caso de un tumor intrapericárdico, que resultó ser un feocromocitoma primario, en una mujer de mediana edad, cuyo signo principal fue hipertensión arterial severa (HTAs. Los estudios diagnósticos por imágenes corroboraron la presencia de un tumor intrapericárdico como único hallazgo y los estudios bioquímicos de catecolaminas y sus metabolitos excretados por orina reafirmaron el diagnóstico etiológico. El tumor fue resecado quirúrgicamente sin complicaciones mediante cirugía cardíaca convencional con circulación extracorpórea (CEC y paro cardíaco con cardioplejía. Siete meses después de la operación, la paciente se encuentra asintomática y normotensa.

  9. Mixed plastics recycling technology

    CERN Document Server

    Hegberg, Bruce

    1995-01-01

    Presents an overview of mixed plastics recycling technology. In addition, it characterizes mixed plastics wastes and describes collection methods, costs, and markets for reprocessed plastics products.

  10. Credit Rationing Effects of Credit Value-at-Risk

    OpenAIRE

    Slijkerman, J.F.; Smant, David; Vries, Casper

    2004-01-01

    textabstractBanks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and therefore reduces the risk of the bank loan portfolio. However, CVaR regulation distorts the operation of credit markets. We show that a binding CVaR constraint introduces credit rationing and lowers...

  11. Plastic fish

    CERN Multimedia

    Antonella Del Rosso

    2015-01-01

    In terms of weight, the plastic pollution in the world’s oceans is estimated to be around 300,000 tonnes. This plastic comes from both land-based and ocean-based sources. A lecture at CERN by chemist Wolfgang Trettnak addressed this issue and highlighted the role of art in raising people’s awareness.   Artwork by Wolfgang Trettnak. Packaging materials, consumer goods (shoes, kids’ toys, etc.), leftovers from fishing and aquaculture activities… our oceans and beaches are full of plastic litter. Most of the debris from beaches is plastic bottles. “PET bottles have high durability and stability,” explains Wolfgang Trettnak, a chemist by education and artist from Austria, who gave a lecture on this topic organised by the Staff Association at CERN on 26 May. “PET degrades very slowly and the estimated lifetime of a bottle is 450 years.” In addition to the beach litter accumulated from human use, rivers bring several ki...

  12. Plastic zonnecellen

    NARCIS (Netherlands)

    Roggen, Marjolein

    1998-01-01

    De zonnecel van de toekomst is in de maak. Onderzoekers van uiteenlopend pluimage werken eendrachtig aan een plastic zonnecel. De basis is technisch gelegd met een optimale, door invallend licht veroorzaakte, vorming van ladingdragers binnen een composiet van polymeren en buckyballs. Nu is het zaak

  13. AGRIBUSINESS TRADE CREDIT -- A PARADOX

    OpenAIRE

    Gustafson, Cole R.

    2004-01-01

    This article utilizes the Survey of Small Business Finances to compare and contrast trade credit practices of rural small business firms. The results show that these firms borrow money and then re-lend it to others in the form of trade credit. There is a strong direct relationship between various forms of debt held by these firms and their level of accounts receivable (e.g., trade credit extended to customers). The actual level of re-lending varied among firms depending on their adoption leve...

  14. 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...... of the card; if the action is to generate a sound, then the circuit will effectively became a music machine....

  15. 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....

  16. Falla cardíaca (primera parte)

    OpenAIRE

    2006-01-01

    Anatomía y función del corazón/¿Qué es la falla cardíaca?/Causas de falla cardíaca/¿Cómo prevenir la falla cardíaca?/¿Qué es un factor de riesgo?/¿Cuáles son los síntomas y signos de la falla cardiaca?/¿Cómo se diagnostica la falla cardiaca?

  17. 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....

  18. 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.

  19. Plastic Surgery Statistics

    Science.gov (United States)

    ... PSN PSEN GRAFT Contact Us News Plastic Surgery Statistics Plastic surgery procedural statistics from the American Society of Plastic Surgeons. Statistics by Year Print 2016 Plastic Surgery Statistics 2015 ...

  20. Armenia - Water to Market Credit

    Data.gov (United States)

    Millennium Challenge Corporation — The analysis of WtM credit used baseline and final follow-up Farming Practices Survey (FPS) data to summarize beneficiary and loan characteristics, as well as to...

  1. Essays on credit default swaps

    OpenAIRE

    Guo, Biao

    2013-01-01

    This thesis is structured to research on a financial derivative asset known as a credit default swap (CDS). A CDS is a contract in which the buyer of protection makes a series of payments (often referred to as CDS spreads) to the protection seller and, in exchange, receives a payoff if a default event occurs. A default event can be defined in several ways, including failure to pay, restructuring or rescheduling of debt, credit event repudiation, moratorium and acceleration. The main motiv...

  2. Plastic bronchitis

    Directory of Open Access Journals (Sweden)

    Anil Kumar Singhi

    2015-01-01

    Full Text Available Plastic bronchitis, a rare but serious clinical condition, commonly seen after Fontan surgeries in children, may be a manifestation of suboptimal adaptation to the cavopulmonary circulation with unfavorable hemodynamics. They are ominous with poor prognosis. Sometimes, infection or airway reactivity may provoke cast bronchitis as a two-step insult on a vulnerable vascular bed. In such instances, aggressive management leads to longer survival. This report of cast bronchitis discusses its current understanding.

  3. 48 CFR 413.301 - Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... purchase card. 413.301 Section 413.301 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE....301 Governmentwide commercial purchase card. USDA policy and procedures on use of the Governmentwide commercial purchase card are established in Departmental Regulation Series 5000....

  4. Awarding Credit Where Credit Is Due: Effective Practices for the Implementation of Credit by Exam. Adopted Spring 2014

    Science.gov (United States)

    Academic Senate for California Community Colleges, 2014

    2014-01-01

    Credit by Exam is a mechanism employed in the California community colleges as a means of granting credit for student learning outside of the traditional classroom. In some instances, credit by exam is the means used to award college credit for structured learning experiences in a secondary educational setting, while in other instances knowledge…

  5. Trade Credits and Bank Credits in International Trade: Substitutes or Complements?

    OpenAIRE

    Engemann, Martina; Eck, Katharina; Schnitzer, Monika

    2011-01-01

    Trade credits are an important financing tool for internationally active firms. This is surprising, as trade credits are generally more expensive than bank credits and thus a costly substitute for bank financing. In this paper, we investigate the relation between trade credits and bank credits for exporting firms. We develop a theoretical model and show that trade credits convey a quality signal which reduces the risk of the transaction and may thus facilitate obtaining additional bank credit...

  6. Credit-Related Practices of Islamic Banks in Comparison with Theory: Case Study of Turkey

    Directory of Open Access Journals (Sweden)

    Z. Hafsa ORHAN ASTRÖM

    2016-11-01

    Full Text Available Abstract The aim of this paper is to analyse credit-related practices of Islamic banks in Turkey in comparison with theory. Here, ‘credit-related practices’ are, first, the bank balance sheet item called ‘loans’ in general, and second, loans in terms of their types. By ‘theory’ we mean Islamic economics. In attaining the aim of this paper, we use comparative methodology depending on quantitative and qualitative research. In this context, we utilize quantitative methods like collecting calculating and representing -through figures and charts- relevant data, and qualitative methods such as searching through, selecting, summarizing and evaluating relevant literature and documents like agreements and reports concerning the subject. Some of the outstanding results of this paper are as follows; loans are the dominant use of funds for Turkish Islamic banks with changing ratios between 60-75% for the period of December 2005-June 2015 and the main method used for loans is murabahah with 99.7% as of June 2015. Secondly, 91% of household loans are in the form of consumer credits as of June 2015, among which house loans are sweepingly dominant. Credits by individual credit cards have been on the increase until the second half of 2013. Keywords: Islamic banking, credit-related practices, theory, Turkey.

  7. Improved reader for magnetically-encoded ID cards

    Science.gov (United States)

    Wu, T. T.

    1979-01-01

    Hybrid demodulator in electronic card reader for magnetically encoded identification cards, accommodates variations in insertion speeds, yet is simpler and less expensive than equivalent all-digital circuits.

  8. The Ornery American: Orson Scott Card

    Science.gov (United States)

    Oatman, Eric

    2008-01-01

    This article profiles Orson Scott Card, the winner of this year's Margaret A. Edwards Award for his outstanding contributions to teen literature, specifically for Ender's Game and Ender's Shadow (1999, both Tor), a companion tale. Card, the magician behind both of these best sellers, is one of the nation's most prolific--and contentious--authors.…

  9. 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…

  10. 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…

  11. Re-Designing Business Card Advertisements.

    Science.gov (United States)

    Schaub, Laura

    2001-01-01

    Discusses ways to turn information from a business card into an advertisement to be placed in a student publication. Addresses visual interest, typography, and other design issues. Includes several sample advertisements and a classroom activity involving redesigning a business card into an advertisement. (RS)

  12. The Ornery American: Orson Scott Card

    Science.gov (United States)

    Oatman, Eric

    2008-01-01

    This article profiles Orson Scott Card, the winner of this year's Margaret A. Edwards Award for his outstanding contributions to teen literature, specifically for Ender's Game and Ender's Shadow (1999, both Tor), a companion tale. Card, the magician behind both of these best sellers, is one of the nation's most prolific--and contentious--authors.…

  13. 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...

  14. Wire Scanner Motion Control Card

    CERN Document Server

    Forde, S E

    2006-01-01

    Scientists require a certain beam quality produced by the accelerator rings at CERN. The discovery potential of LHC is given by the reachable luminosity at its interaction points. The luminosity is maximized by minimizing the beam size. Therefore an accurate beam size measurement is required for optimizing the luminosity. The wire scanner performs very accurate profile measurements, but as it can not be used at full intensity in the LHC ring, it is used for calibrating other profile monitors. As the current wire scanner system, which is used in the present CERN accelerators, has not been made for the required specification of the LHC, a new design of a wire scanner motion control card is part of the LHC wire scanner project. The main functions of this card are to control the wire scanner motion and to acquire the position of the wire. In case of further upgrades at a later stage, it is required to allow an easy update of the firmware, hence the programmable features of FPGAs will be used for this purpose. The...

  15. In Brief: Arctic Report Card

    Science.gov (United States)

    Showstack, Randy

    2009-11-01

    The 2009 annual update of the Arctic Report Card, issued on 22 October, indicates that “warming of the Arctic continues to be widespread, and in some cases dramatic. Linkages between air, land, sea, and biology are evident.” The report, a collaborative effort of 71 national and international scientists initiated in 2006 by the Climate Program Office of the U.S. National Oceanic and Atmospheric Administration (NOAA), highlights several concerns, including a change in large-scale wind patterns affected by the loss of summer sea ice; the replacement of multiyear sea ice by first-year sea ice; warmer and fresher water in the upper ocean linked to new ice-free areas; and the effects of the loss of sea ice on Arctic plant, animal, and fish species. “Climate change is happening faster in the Arctic than any other place on Earth-and with wide-ranging consequences,” said NOAA administrator Jane Lubchenco. “This year“s Arctic Report Card underscores the urgency of reducing greenhouse gas pollution and adapting to climate changes already under way.”

  16. 49 CFR 536.4 - Credits.

    Science.gov (United States)

    2010-10-01

    ... category, and model year of origin (vintage). (b) Application of credits. All credits earned and applied... or transferred credits; VMTe = Lifetime vehicle miles traveled as provided in the following table for the model year and compliance category in which the credit was earned. VMTu = Lifetime vehicle...

  17. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

    Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit en

  18. Credit Scores, Race, and Residential Sorting

    Science.gov (United States)

    Nelson, Ashlyn Aiko

    2010-01-01

    Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and…

  19. 24 CFR 92.221 - Match credit.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Match credit. 92.221 Section 92.221... INVESTMENT PARTNERSHIPS PROGRAM Program Requirements Matching Contribution Requirement § 92.221 Match credit. (a) When credit is given. Contributions are credited on a fiscal year basis at the time the...

  20. 49 CFR 260.13 - Credit reform.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act of 1990, 2 U.S.C. 661, requires Federal agencies to set aside the subsidy cost of new credit...

  1. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

    Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit

  2. 47 CFR 97.505 - Element credit.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 5 2010-10-01 2010-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit.... (b) No examination credit, except as herein provided, shall be allowed on the basis of holding or...

  3. 13 CFR 120.390 - Revolving credit.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

  4. 32 CFR 643.116 - Credit unions.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Credit unions. 643.116 Section 643.116 National... Additional Authority of Commanders § 643.116 Credit unions. The establishment of credit unions on Army... buildings, without charge for rent or services, to any credit union organized under State law or to any...

  5. Credit Scores, Race, and Residential Sorting

    Science.gov (United States)

    Nelson, Ashlyn Aiko

    2010-01-01

    Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and…

  6. 10 CFR 490.505 - Credit accounts.

    Science.gov (United States)

    2010-01-01

    ... OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.505 Credit accounts. (a) DOE shall establish a credit account for each fleet or covered person who obtains an alternative fueled vehicle credit. (b) DOE shall send to each fleet...

  7. 10 CFR 490.503 - Credit allocation.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 3 2010-01-01 2010-01-01 false Credit allocation. 490.503 Section 490.503 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Alternative Fueled Vehicle Credit Program § 490.503 Credit allocation. (a) Based on annual credit activity report information,...

  8. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

    Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit en

  9. Improving the Security of CardSpace

    Directory of Open Access Journals (Sweden)

    Alrodhan WaleedA

    2009-01-01

    Full Text Available 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 with the currently deployed CardSpace identity metasystem and should enhance the privacy of the system whilst involving only minor changes to the current CardSpace framework. We also provide a security and performance analysis of the proposal.

  10. 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....

  11. THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS

    Directory of Open Access Journals (Sweden)

    Chitan Gheorghe

    2012-03-01

    Full Text Available Considering the importance of credit risk management to ensure the financial system stability,the paper presents financial and real sector interaction highlighting that credit growth based on increase of creditdemand, of income, of assets prices, of currency availability, the interest rate differential between countries andrelaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity andasset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving creditrisk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatoryrequirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to leadto a more resilient financial system.

  12. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

  13. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural...

  14. 78 FR 2449 - Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions

    Science.gov (United States)

    2013-01-11

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Notice of Funding Opportunity. SUMMARY: The National Credit...

  15. Toronto Smog Summit Report Card

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2001-07-01

    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).

  16. 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.

  17. Trasplante cardíaco

    OpenAIRE

    Dimitri Novitzky

    2007-01-01

    En 1985, en el Tampa General Hospital se inició el Programa de Trasplante Cardíaco. Hasta la fecha se realizaron 815 trasplantes en 795 pacientes, 17 de los cuales fueron sometidos a un retrasplante. La sobrevida actuarial al mes es del 94,5%, al año del 87%, a los 3 años alcanza el 81%, a los 5 años el 74% y a los 10 años el 52%.El Medical Review Board se reúne semanalmente para un seguimiento de la presentación de pacientes y la selección de los candidatos adecuados para el programa. Dentro...

  18. 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.

  19. Credit rating dynamics and competition

    DEFF Research Database (Denmark)

    Hirth, Stefan

    2014-01-01

    I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics if sophis......I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics...

  20. Credit Rationing Effects of Credit Value-at-Risk

    NARCIS (Netherlands)

    J.F. Slijkerman; D.J.C. Smant (David); C.G. de Vries (Casper)

    2004-01-01

    textabstractBanks provide risky loans to firms which have superior information regarding the quality of their projects. Due to asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem of low quality, i.e. high risk, loans and

  1. Tiger Teams Technical Assistance: Reliable, Universal Open Architecture for Card Access to Dispense Alternative Fuels

    Energy Technology Data Exchange (ETDEWEB)

    2002-03-01

    Report discusses the dilemma of incorporating consistent, convenient, universal card access (or ''pay-at-the-pump'') systems into alternative fueling stations across the country. The state of California continues to be in the forefront of implementing alternative fuels for transportation applications. Aggressive efforts to deploy alternative fuel vehicles (AFVs) in California have highlighted the need to provide adequate fueling stations and develop appropriate, user-friendly means to purchase fuel at the pump. Since these fuels are not typically provided by petroleum companies at conventional fueling stations, and acceptance of cash is often not an option, a payment method must be developed that is consistent with the way individual AFV operators are accustomed to purchasing automotive fuels--with a credit card. At the same time, large fleets like the California Department of General Services must be able to use a single fuel card that offers comprehensive fleet management services. The Gas Technology Institute's Infrastructure Working Group (IWG) and its stakeholders have identified the lack of a common card reader system as a hurdle to wider deployment of AFVs in California and the United States. In conjunction with the U.S. Department of Energy's (DOE) National Clean Cities Program, the IWG has outlined a multi-phased strategy to systematically address the barriers to develop a more ''open'' architecture that's similar to the way gasoline and diesel are currently dispensed. Under the auspices of the IWG, survey results were gathered (circa 1999) from certain fuel providers, as a means to more carefully study card reader issues and their potential solutions. Pilot programs featuring card reader systems capable of accepting wider payment options have been attempted in several regions of the United States with mixed success. In early 2001, DOE joined the National Renewable Energy Laboratory (NREL), the

  2. 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...

  3. 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

  4. 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...

  5. 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

  6. Overcoming maladaptive plasticity through plastic compensation

    Directory of Open Access Journals (Sweden)

    Matthew R.J. MORRIS, Sean M. ROGERS

    2013-08-01

    Full Text Available Most species evolve within fluctuating environments, and have developed adaptations to meet the challenges posed by environmental heterogeneity. One such adaptation is phenotypic plasticity, or the ability of a single genotype to produce multiple environmentally-induced phenotypes. Yet, not all plasticity is adaptive. Despite the renewed interest in adaptive phenotypic plasticity and its consequences for evolution, much less is known about maladaptive plasticity. However, maladaptive plasticity is likely an important driver of phenotypic similarity among populations living in different environments. This paper traces four strategies for overcoming maladaptive plasticity that result in phenotypic similarity, two of which involve genetic changes (standing genetic variation, genetic compensation and two of which do not (standing epigenetic variation, plastic compensation. Plastic compensation is defined as adaptive plasticity overcoming maladaptive plasticity. In particular, plastic compensation may increase the likelihood of genetic compensation by facilitating population persistence. We provide key terms to disentangle these aspects of phenotypic plasticity and introduce examples to reinforce the potential importance of plastic compensation for understanding evolutionary change [Current Zoology 59 (4: 526–536, 2013].

  7. Overcoming maladaptive plasticity through plastic compensation

    Institute of Scientific and Technical Information of China (English)

    Matthew R.J.MORRIS; Sean M.ROGERS

    2013-01-01

    Most species evolve within fluctuating environments,and have developed adaptations to meet the challenges posed by environmental heterogeneity.One such adaptation is phenotypic plasticity,or the ability of a single genotype to produce multiple environmentally-induced phenotypes.Yet,not all plasticity is adaptive.Despite the renewed interest in adaptive phenotypic plasticity and its consequences for evolution,much less is known about maladaptive plasticity.However,maladaptive plasticity is likely an important driver of phenotypic similarity among populations living in different environments.This paper traces four strategies for overcoming maladaptive plasticity that result in phenotypic similarity,two of which involve genetic changes (standing genetic variation,genetic compensation) and two of which do not (standing epigenetic variation,plastic compensation).Plastic compensation is defined as adaptive plasticity overcoming maladaptive plasticity.In particular,plastic compensation may increase the likelihood of genetic compensation by facilitating population persistence.We provide key terms to disentangle these aspects of phenotypic plasticity and introduce examples to reinforce the potential importance of plastic compensation for understanding evolutionary change.

  8. Credit Risk Modelling and Implementation of Credit Risk Models in China

    OpenAIRE

    Yu, Mengxiao

    2007-01-01

    Credit risk, or the risk of counterparty default, is an important factor in the valuation and risk management of financial assets. It has become increasingly important to financial institutions. A variety of credit risk models have been developed to measure credit risk. They are J.P. Morgan's CreditMetrics; KMV's PortfolioManager based on Merton (1974) option pricing model; macroeconomic model CreditPortfolio View developed by McKinsey; CSFB's Credit Risk+ Model based on actuarial science fra...

  9. Skill Cards for Open-Ended Gameboards, Set A.

    Science.gov (United States)

    International Reading Association, Newport Beach, CA. California Reading Association.

    These skill cards and answer cards were designed for open ended game boards but may be used with any open ended game to reinforce reading skills. There are twelve sets in the packet. Each set contains twenty skill cards and one answer card. The topics for the sets are: long vowel substitution, short vowel substitution, consonant digraph…

  10. Student ID Cards: What You Should Know About Them

    Science.gov (United States)

    Hoffman, Jonathan; McGuire, Agnes C.

    1973-01-01

    Discusses the usefulness of photo ID cards for school security purposes, library control, student activities, and bus transportation control. Examines ways in which card costs can be reduced and the pros and cons of producing the cards at the school or of letting the work out. Problems involving card abuse and student rights are also considered.…

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

    Science.gov (United States)

    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.

  12. Plastic cup traps equipped with light-emitting diodes for monitoring adult Bemisia tabaci (Homoptera: Aleyrodidae).

    Science.gov (United States)

    Chu, Chang-Chi; Jackson, Charles G; Alexander, Patrick J; Karut, Kamil; Henneberry, Thomas J

    2003-06-01

    Equipping the standard plastic cup trap, also known as the CC trap, with lime-green light-emitting diodes (LED-plastic cup trap) increased its efficacy for catching Bemisia tabaci by 100%. Few Eretmocerus eremicus Rose and Zolnerowich and Encarsia formosa Gahan were caught in LED-plastic cup traps. The LED-plastic cup traps are less expensive than yellow sticky card traps for monitoring adult whiteflies in greenhouse crop production systems and are more compatible with whitefly parasitoids releases for Bemisia nymph control.

  13. Academic Credit for ESL Classes?

    Science.gov (United States)

    Van Meter, Jean

    1990-01-01

    As a result of the increased demand for English-as-a-Second-Language (ESL) instruction and the concomitant growth of ESL programs, interest has increased in the issue of credit for courses designed to promote English language proficiency sufficient to engage in postsecondary education. Recent national and regional studies have found that a…

  14. Insurability of export credit risks

    NARCIS (Netherlands)

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms

  15. Insurability of export credit risks

    NARCIS (Netherlands)

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms

  16. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

    This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan spre

  17. Brownfields New Markets Tax Credits

    Science.gov (United States)

    This Brownfi elds Solutions factsheet is intended for brownfields stakeholders interested in how the U.S. Department of the Treasury’s New Markets Tax Credit (NMTC) Program can be used as a financing mechanism in brownfields cleanup and redevelopment.

  18. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Zaldokas, Alminas

    We present evidence that banking development plays a key role in technological progress. We focus on firms’ innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities across U.S. st...... by a greater ability of deregulated banks to geographically diversify credit risk....

  19. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 598.409 Section 598.409 Money and Finance: Treasury Regulations Relating.... financial institutions. The prohibition in § 598.203 on dealing in property in which a specially designated narcotics trafficker has an interest prohibits U.S. financial institutions from performing under...

  20. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ....S. financial institutions. 536.409 Section 536.409 Money and Finance: Treasury Regulations Relating....S. financial institutions. The prohibition in § 536.201 on dealing in property in which a specially designated narcotics trafficker has an interest prohibits U.S. financial institutions from performing...

  1. 31 CFR 103.135 - Anti-money laundering programs for operators of credit card systems.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Anti-money laundering programs for...-Money Laundering Programs Anti-Money Laundering Programs § 103.135 Anti-money laundering programs for.... Virgin Islands. (b) Anti-money laundering program requirement. Effective July 24, 2002, each operator of...

  2. Comment on "Unique in the shopping mall: On the reidentifiability of credit card metadata".

    Science.gov (United States)

    Sánchez, David; Martínez, Sergio; Domingo-Ferrer, Josep

    2016-03-18

    De Montjoye et al. (Reports, 30 January 2015, p. 536) claimed that most individuals can be reidentified from a deidentified transaction database and that anonymization mechanisms are not effective against reidentification. We demonstrate that anonymization can be performed by techniques well established in the literature. Copyright © 2016, American Association for the Advancement of Science.

  3. Response to Comment on "Unique in the shopping mall: On the reidentifiability of credit card metadata".

    Science.gov (United States)

    de Montjoye, Yves-Alexandre; Pentland, Alex Sandy

    2016-03-18

    Sánchez et al.'s textbook k-anonymization example does not prove, or even suggest, that location and other big-data data sets can be anonymized and of general use. The synthetic data set that they "successfully anonymize" bears no resemblance to modern high-dimensional data sets on which their methods fail. Moving forward, deidentification should not be considered a useful basis for policy. Copyright © 2016, American Association for the Advancement of Science.

  4. An investigation into credit card information disclosure through point of sale purchases

    CSIR Research Space (South Africa)

    Von Solms, S

    2015-08-01

    Full Text Available on the merchant and customer transaction receipts after a transaction. It is shown that the information contained in the transaction receipts from certain POS terminals is sufficient to perform successful online purchases at multiple online shopping sites. We also...

  5. Consumer Credit Card Use: The Roles of Creditor Disclosure and Anticipated Emotion

    Science.gov (United States)

    Wiener, Richard L.; Holtje, Michael; Winter, Ryan J.; Cantone, Jason A.; Gross, Karen; Block-Lieb, Susan

    2007-01-01

    In response to federal legislative reform aimed, in part, at reducing consumer bankruptcy filings, the authors conducted 2 experiments examining the role of affect in purchasing behavior. In Experiment 1, they examined consumer debtors, and in Experiment 2, they examined nondebtors. In both experiments, they investigated purchasing decisions made…

  6. Reports on...Credit and Other Financial Issues.

    Science.gov (United States)

    TRW Information Systems and Services, Orange, CA.

    This document contains 29 two-page reports on credit, business credit, direct marketing, and real estate data prepared by the credit reporting company, TRW, for consumers. Topics covered are the following: consumer credit reports, how to obtain a copy of a consumer credit report, how credit bureaus compile consumer credit reports, the role of…

  7. Recycling of Plastic

    DEFF Research Database (Denmark)

    Christensen, Thomas Højlund; Fruergaard, Thilde

    2011-01-01

    Plastic is produced from fossil oil. Plastic is used for many different products. Some plastic products like, for example, wrapping foil, bags and disposable containers for food and beverage have very short lifetimes and thus constitute a major fraction of most waste. Other plastic products like......, good strength and long durability. Recycling of plastic waste from production is well-established, while recycling of postconsumer plastic waste still is in its infancy. This chapter describes briefly how plastic is produced and how waste plastic is recycled in the industry. Quality requirements...

  8. Analysis of OPACITY and PLAID Protocols for Contactless Smart Cards

    Science.gov (United States)

    2012-09-01

    of contactless technologies, such as RFID . Contactless smart cards contain a re-writable smart card microchip that is used to read or write via...technology: comparing and contrasting rfid and rf-enabled smart cards ,” [6] P. Oswal and M. Foong, “ RFID vs contactless smart cards - an unending debate...AND PLAID PROTOCOLS FOR CONTACTLESS SMART CARDS by Koh Ho Kiat Lee Yong Run September 2012 Thesis Co-Advisors

  9. Developing ideation cards for mixed reality game design

    OpenAIRE

    Wetzel, Richard; Rodden, Tom; Benford, Steve

    2016-01-01

    Mixed reality games (MRGs) pose new challenges but also opportunities to designers. In order to make the design space of MRGs easily accessible and enable collaborative design in a playful manner we have developed Mixed Reality Game Cards. These ideation cards synthesize design knowledge about MRGs and are inspired by a variety of other successful ideation cards. We describe six studies, illustrate the iterative development of our cards, and reflect how the structure of our cards might influe...

  10. 75 FR 55392 - Employment Network Report Card

    Science.gov (United States)

    2010-09-10

    ... From the Federal Register Online via the Government Publishing Office SOCIAL SECURITY ADMINISTRATION Employment Network Report Card AGENCY: Social Security Administration (SSA). ACTION: Notice of Webinar and National Teleconference Call listening sessions--announcing two opportunities for SSA to...

  11. 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...

  12. Notification: Purchase Card and Convenience Check Audit

    Science.gov (United States)

    Project #OA-FY13-0116, April 11, 2013. The U.S. Environmental Protection Agency, Office of Inspector General, is beginning the fieldwork phase of its audit of the agency’s purchase card and convenience check programs.

  13. 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.)

  14. Population Genetics Simulated with Playing Cards

    Science.gov (United States)

    Oliver, P. T. P.

    1975-01-01

    Describes how to use playing cards as simulators to demonstrate several aspects of allelism and allele frequency in a gene pool. They provide an "unexpected" result, promote group discussion and may stimulate students to devise variations for comparison. (BR)

  15. 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

  16. Use score card to boost quality.

    Science.gov (United States)

    2002-10-01

    Keeping a score card can identify problem areas and track improvements. When specific goals are reached, staff are given rewards such as thank-you letters, tokens, or pizza parties. Staff are kept informed about the results of the score card through bulletin board postings, staff meetings, and the hospital Intranet. Data are collected with manual entry by nursing staff, chart review by performance improvement, and a computerized program.

  17. 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.

  18. 75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

    Science.gov (United States)

    2010-04-08

    ... COMMISSION WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC... Act. Applicants: WNC Tax Credits 38, LLC (``Fund 38'') and WNC Tax Credits 39, LLC (``Fund 39'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the...

  19. 10 CFR 1015.205 - Credit reports.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Credit reports. 1015.205 Section 1015.205 Energy... Administrative Collection of Claims § 1015.205 Credit reports. (a) In order to aid DOE in making appropriate... administrative costs; and the likelihood of collecting the claim, DOE may institute a credit investigation of the...

  20. 48 CFR 2132.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

  1. Credit in Acceptance Sampling on Attributes

    NARCIS (Netherlands)

    Klaassen, Chris A.J.

    2000-01-01

    Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a

  2. 12 CFR 1408.15 - Credit report.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Credit report. 1408.15 Section 1408.15 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.15 Credit report. In order to aid the Corporation in making...

  3. 12 CFR 608.815 - Credit report.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit report. 608.815 Section 608.815 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 608.815 Credit report. In order to aid the FCA in making...

  4. 27 CFR 46.223 - Tax credit.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...

  5. 48 CFR 1632.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

  6. 7 CFR 3565.211 - Interest credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest credit. 3565.211 Section 3565.211... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.211 Interest credit. (a... assistance in the form of interest credit, to the extent necessary to reduce the agreed-upon rate of interest...

  7. Rare Disasters, Credit, and Option Market Puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    2016-01-01

    calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

  8. Rare Disasters and Credit Market Puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    to the real economy and not to bond prices can simultaneously explain several key empirical regularities in credit markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed spreads...

  9. 76 FR 24089 - Credit Risk Retention

    Science.gov (United States)

    2011-04-29

    ... Department of Housing and Urban Development 24 CFR Part 267 Credit Risk Retention; Proposed Rule #0;#0..., and HUD (the Agencies) are proposing rules to implement the credit risk retention requirements of... securitizer of asset-backed securities to retain not less than five percent of the credit risk of the...

  10. 78 FR 72537 - Credit Union Service Organizations

    Science.gov (United States)

    2013-12-03

    ... significant value to the credit union industry by acting as a collaborative means to share risk, manage costs... mainly to CUSOs engaged in more complex or high-risk activities, such as credit and lending, information... continues to believe that CUSOs present material risks to the credit union industry. Past experience...

  11. 48 CFR 2131.201-5 - Credits.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Credits. 2131.201-5 Section... PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 2131.201-5 Credits. The provisions of FAR 31.201-5 shall apply to income, rebates and other credits resulting from benefit payments that...

  12. 48 CFR 1631.201-70 - Credits.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Credits. 1631.201-70... AND PROCEDURES Contracts With Commercial Organizations 1631.201-70 Credits. The provisions of FAR 31.201-5 shall apply to income, rebates, allowances, and other credits resulting from benefit payments...

  13. 47 CFR 90.910 - Bidding credits.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 5 2010-10-01 2010-10-01 false Bidding credits. 90.910 Section 90.910....910 Bidding credits. A winning bidder that qualifies as a very small business, as defined in § 90.912(b)(2), or a consortium of very small businesses may use a bidding credit of 35 percent to lower the...

  14. 48 CFR 31.201-5 - Credits.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Credits. 31.201-5 Section... REQUIREMENTS CONTRACT COST PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 31.201-5 Credits. The applicable portion of any income, rebate, allowance, or other credit relating to any allowable...

  15. 32 CFR 644.546 - Credit.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Credit. 644.546 Section 644.546 National Defense... Disposal Sale Procedure § 644.546 Credit. Payment of the purchase price over an extended period of time... interest to extend credit. Prior to offering property for sale on an extended payment plan basis, approval...

  16. 7 CFR 1.79 - Credits.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Credits. 1.79 Section 1.79 Agriculture Office of the... Credits. On films on which the Department or one of its agencies provides special assistance it shall be mutually agreed by the producer and the Director of Information what credits shall be given to the...

  17. 40 CFR 403.7 - Removal credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 28 2010-07-01 2010-07-01 true Removal credits. 403.7 Section 403.7... GENERAL PRE-TREAT-MENT REGULATIONS FOR EXIST-ING AND NEW SOURCES OF POLLUTION § 403.7 Removal credits. (a... section, grant removal credits to reflect removal by the POTW of pollutants specified in the categorical...

  18. 75 FR 80866 - Credit Rating Standardization Study

    Science.gov (United States)

    2010-12-23

    ... to a new credit rating terminology, or for private contracts and investment management agreements... Act of 2010 on the feasibility and desirability of: Standardizing credit ratings terminology, so that... stress; and standardizing credit rating terminology across asset classes, so that named...

  19. Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

    U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

  20. 12 CFR 615.5172 - Production credit association and agricultural credit association investment in farmers' notes...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Production credit association and agricultural credit association investment in farmers' notes given to cooperatives and dealers. 615.5172 Section 615....5172 Production credit association and agricultural credit association investment in farmers'...

  1. Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

    U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

  2. "Credit Markets and Narrow Banking"

    OpenAIRE

    Ronnie Phillips

    1992-01-01

    Maurice Allais's view that the credit created by fractional reserve banking is equivalent to counterfeiting has led him to recommend the separation of the depository and lending functions of banks. This proposal has recently been reintroduced by James Tobin and others under the term "narrow banking." Proponents cite the potential for enhanced safety of the payments mechanism and the elimination of costs associated with the preses system of Federal deposit insurance. This plan resembles the "1...

  3. A Network Model of Credit Risk Contagion

    Directory of Open Access Journals (Sweden)

    Ting-Qiang Chen

    2012-01-01

    Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.

  4. Changing Credit Limits, Changing Business Cycles

    DEFF Research Database (Denmark)

    Jensen, Henrik; Ravn, Søren Hove; Santoro, Emiliano

    credit-constrained agents. Starting from low LTV ratios, a progressive relaxation of credit constraints leads to both higher macroeconomic volatility and stronger comovement between debt and real variables. This pattern reverses at LTV ratios not far from those currently observed in many advanced...... economies, since credit constraints become non-binding more often. As expansionary shocks may make credit constraints non-binding, while contractionary shocks cannot, recessions become deeper than expansions. The non-monotonic relationship between credit market conditions and macroeconomic fluctuations...

  5. The Research on Ordering Structure of Credit Targets

    Institute of Scientific and Technical Information of China (English)

    ZongfangZhou; XiaowoTang

    2004-01-01

    We put forward the credit targets sequences set and ordering structure of credit targets sequences and the dominance structure in credit targets sequences set. We also give a model to evaluate customer's credit by the deviation.

  6. Trasplante cardíaco

    Directory of Open Access Journals (Sweden)

    Dimitri Novitzky

    2007-01-01

    Full Text Available En 1985, en el Tampa General Hospital se inició el Programa de Trasplante Cardíaco. Hasta la fecha se realizaron 815 trasplantes en 795 pacientes, 17 de los cuales fueron sometidos a un retrasplante. La sobrevida actuarial al mes es del 94,5%, al año del 87%, a los 3 años alcanza el 81%, a los 5 años el 74% y a los 10 años el 52%.El Medical Review Board se reúne semanalmente para un seguimiento de la presentación de pacientes y la selección de los candidatos adecuados para el programa. Dentro de las varias Organ Procurement Organizations of the Region, la institución de terapia hormonal para el donante y el receptor está ampliamente aceptada. En el Tampa General Hospital también se le administra levotiroxina al receptor, en la sala de operaciones y en la sala de cuidados intensivos en la situación de un bajo volumen minuto. La mayoría de los trasplantes se efectúan en pacientes con estado 1A o 1B. La inmunosupresión es indicada por especialistas cardiólogos, lo mismo que la realización de la biopsia endomiocárdica con el fin de ajustar la medicación inmunosupresora. En esta revisión se presentan los resultados generales del programa, la selección de pacientes, los procedimientos quirúrgicos, la inmunosupresión y la asistencia que requieren los ventrículos

  7. Credits

    Directory of Open Access Journals (Sweden)

    . .

    2014-08-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Pró-Reitora de Desenvolvimento Institucional Ana Lúcia Campinho Coordenadora da Essentia Editora Kíssila da Conceição Ribeiro Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Equipe Editorial Revisão de Língua Portuguesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKíssila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Revisão de Língua Inglesa Hélvia Pereira Pinto Bastos Capa, Projeto Gráfico André da Silva Cruz Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Revisão Técnica e Catalogação Inez Barcellos de Andrade Logotipo Marcos Antonio Esquef Maciel Dados de Catalogação na Publicação (CIP V567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997- QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009. ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica 1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense. CDD - 370.5 Revista Indexada em: Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEER Sistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEX Directory Open Access Journals (DOAJ Revista filiada à: Associação Brasileira de Editores Científicos Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728 A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense. Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial. É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  8. Credits

    Directory of Open Access Journals (Sweden)

    - -

    2010-05-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Apoio TécnicoCarlos David PascoDenia Cristina da Silva BarretoGisele Carvalho da Silva Costa Nogueira Bolsista de Iniciação CientíficaJáder da Mota SiqueiraJúlio Fontoura Gonçalves de LimaSamara Melo RodriguesWanessa Alves Duarte Revisão de Texto Edinalda Maria Almeida da SilvaVania Cristina Alexandrino Bernardo Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica Inez Barcellos de Andrade CopidesqueCláudia de Souza CaetanoCatalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIPB688 Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2007 - .- Campos dos Goytacazes (RJ: Essentia Editora,2007- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Borzan Indústria Gráfica | Tel.: (22 3211-9274

  9. Credits

    Directory of Open Access Journals (Sweden)

    . .

    2015-05-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoEditora-chefeKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Maria Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  10. Credits

    Directory of Open Access Journals (Sweden)

    . .

    2015-02-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoCoordenadora da Essentia EditoraKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  11. Credits

    Directory of Open Access Journals (Sweden)

    - -

    2013-01-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorLuiz Felipe Umbelino dos SantosBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraDiego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade CopidesqueEdson Carlos NascimentoDados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

  12. Credits

    Directory of Open Access Journals (Sweden)

    - -

    2013-07-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando Prado de Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplares Impressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

  13. 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...

  14. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit...

  15. Managing Your Credit. The CIRcular: Consumer Information Report 18.

    Science.gov (United States)

    Bank of America NT & SA, San Francisco, CA.

    This report describes principles and techniques for credit management. Topics covered include: (1) methods of determining personal credit limits; (2) ways to keep track of credit use; (3) suggestions for planning credit use; (4) explanations of single-payment charge accounts, revolving credit, installment credit, and consolidation loans; and (5)…

  16. 49 CFR 536.8 - Conditions for trading of credits.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 6 2010-10-01 2010-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

  17. Recycling of Plastic

    DEFF Research Database (Denmark)

    Christensen, Thomas Højlund; Fruergaard, Thilde

    2011-01-01

    Plastic is produced from fossil oil. Plastic is used for many different products. Some plastic products like, for example, wrapping foil, bags and disposable containers for food and beverage have very short lifetimes and thus constitute a major fraction of most waste. Other plastic products like......, for example, gutters, window frames, car parts and transportation boxes have long lifetimes and thus appear as waste only many years after they have been introduced on the market. Plastic is constantly being used for new products because of its attractive material properties: relatively cheap, easy to form......, good strength and long durability. Recycling of plastic waste from production is well-established, while recycling of postconsumer plastic waste still is in its infancy. This chapter describes briefly how plastic is produced and how waste plastic is recycled in the industry. Quality requirements...

  18. 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......This paper describes the CRC (class, responsibility, collaboration) modelling process for building product models. A product model is normally represented in an IT system which contains data, information and knowledge on industrial products and their life cycle properties e.g. manufacturing...... 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...

  19. Authoring of digital games via card games

    DEFF Research Database (Denmark)

    Valente, Andrea; Marchetti, Emanuela

    2014-01-01

    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....

  20. Trasplante cardíaco Heart transplant

    OpenAIRE

    M. Ubilla; Mastrobuoni, S.; A. Martín Arnau; Cordero, A; E. Alegría; J. J. Gavira; M. J. Iribarren; T. Rodríguez-Fernández; Herreros, J; Rábago, G

    2006-01-01

    El trasplante cardíaco es considerado actualmente como el tratamiento de elección en la insuficiencia cardíaca terminal refractaria a tratamiento médico o quirúrgico. Debido a factores como la mayor esperanza de vida de la población y el manejo más eficaz de los síndromes coronarios agudos, cada vez hay un número mayor de personas que padecen fallo cardíaco. Se estima que la prevalencia de la enfermedad en países desarrollados está en torno al 1%; de éstos, un 10% está en una etapa avanzada y...

  1. Binarizing Business Card Images for Mobile Devices

    CERN Document Server

    Mollah, Ayatullah Faruk; Das, Nibaran; Sarkar, Ram; Nasipuri, Mita; Kundu, Mahantapas

    2010-01-01

    Business card images are of multiple natures as these often contain graphics, pictures and texts of various fonts and sizes both in background and foreground. So, the conventional binarization techniques designed for document images can not be directly applied on mobile devices. In this paper, we have presented a fast binarization technique for camera captured business card images. A card image is split into small blocks. Some of these blocks are classified as part of the background based on intensity variance. Then the non-text regions are eliminated and the text ones are skew corrected and binarized using a simple yet adaptive technique. Experiment shows that the technique is fast, efficient and applicable for the mobile devices.

  2. 12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

    Science.gov (United States)

    2010-01-01

    ... and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Bank... available must be recalculated without that ineligible loan. (b) The Farm Credit Bank or agricultural credit... consistent with the Farm Credit Bank's or agricultural credit bank's lending policies and loan...

  3. Credit Monitoring – a Core of Credit Risk Management: Theory and Experience

    Directory of Open Access Journals (Sweden)

    Daiva Jurevičienė

    2013-11-01

    Full Text Available Purpose of the article: Purpose of the article is to identify credit monitoring as a keystone of credit risk management in banks. CRM is widely discussed in scientific literature and in reports of institutions undertaking credit risk or supervisory bodies. However majority of such investigations are based on implementation of numerous quantitative or qualitative methods used for credit risk assessment before granting a loan or for credit portfolio risk management. There is a lack of information or investigations made on estimation of the need of credit monitoring in credit risk management process. Scientific aim: Scientific aim is to structure the early warning signs that reflect the condition of credits. Methodology/methods: The paper is based on analysis and resumption of various scientific and professional articles related to organization of credit process in banks. It combines results of assessments of credit monitoring importance in credit risk management process made by theoretical studies as well as investigation of experts. Findings: Finding of the article is presentation of credit monitoring tools that should be applied for corporate (and individual clients via modification of original credit agreement. Conclusions: (limits, implications etc Conclusion of the article is that credit monitoring is a keystone in credit risk management process. The purpose of credit monitoring is to detect in time possible worsening of the loan and to react (make changes in loan agreement. The simplest tool for credit monitoring is to identify early warning signs in time that could be assorted into four groups: EWS of business environment; EWS with regard to management, EWS regarding collateral, EWS in financial analysis. Limitation of investigation is impossibility of evaluation of importance of monitoring process in practice except investigation of experts (employees directly responsible for credit business.

  4. 76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

    Science.gov (United States)

    2011-07-12

    ... COMMISSION WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC... sections other than rule 38a-1 under the Act. Applicants: WNC Tax Credits 40, LLC (``Fund 40'') and WNC Tax Credits 41, LLC (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax...

  5. 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...

  6. Entendiendo la insuficiencia cardíaca

    OpenAIRE

    Guadalajara Boo,José Fernando

    2006-01-01

    La insuficiencia cardíaca es una enfermedad de la que existen múltiples definiciones y el concepto es adoptado en forma arbitraria por cada autor, de tal manera que la terminología es tan confusa actualmente que los autores de los megaestudios en el tratamiento médico de insuficiencia cardíaca, evitan denominar así a la enfermedad que van a tratar y sólo se concretan a indicar que la fracción de expulsión es < de 40 o de 35%. En este escrito, el objetivo es el denominar puntualmente los conce...

  7. Entendiendo la insuficiencia cardíaca

    OpenAIRE

    Guadalajara Boo,José Fernando

    2006-01-01

    La insuficiencia cardíaca es una enfermedad de la que existen múltiples definiciones y el concepto es adoptado en forma arbitraria por cada autor, de tal manera que la terminología es tan confusa actualmente que los autores de los megaestudios en el tratamiento médico de insuficiencia cardíaca, evitan denominar así a la enfermedad que van a tratar y sólo se concretan a indicar que la fracción de expulsión es < de 40 o de 35%. En este escrito, el objetivo es el denominar puntualmente los conce...

  8. A lumbar disc surgery predictive score card.

    Science.gov (United States)

    Finneson, B E

    1978-06-01

    A lumbar disc surgery predictive score card or questionnaire has been developed to assess potential candidates for excision of a herniated lumbar disc who have not previously undergone lumbar spine surgery. It is not designed to encompass patients who are being considered for other types of lumbar spine surgery, such as decompressive laminectomy or fusion. In an effort to make the "score card" usable by almost all physicians who are involved in lumbar disc surgery, only studies which have broad acceptance and are generally employed are included. Studies which have less widespread use such as electromyogram, discogram, venogram, special psychologic studies (MMPI, pain drawings) have been purposely excluded.

  9. 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.

  10. 77 FR 54930 - Carlyle Plastics and Resins, Formerly Known as Fortis Plastics, A Subsidiary of Plastics...

    Science.gov (United States)

    2012-09-06

    ... Employment and Training Administration Carlyle Plastics and Resins, Formerly Known as Fortis Plastics, A... plastic parts. New information shows that Fortis Plastics is now called Carlyle Plastics and Resins. In... of Carlyle Plastics and Resins, formerly known as Fortis Plastics, a subsidiary of...

  11. 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.

  12. Credit allocation for research institutes

    Science.gov (United States)

    Wang, J.-P.; Guo, Q.; Yang, K.; Han, J.-T.; Liu, J.-G.

    2017-05-01

    It is a challenging work to assess research performance of multiple institutes. Considering that it is unfair to average the credit to the institutes which is in the different order from a paper, in this paper, we present a credit allocation method (CAM) with a weighted order coefficient for multiple institutes. The results for the APS dataset with 18987 institutes show that top-ranked institutes obtained by the CAM method correspond to well-known universities or research labs with high reputation in physics. Moreover, we evaluate the performance of the CAM method when citation links are added or rewired randomly quantified by the Kendall's Tau and Jaccard index. The experimental results indicate that the CAM method has better performance in robustness compared with the total number of citations (TC) method and Shen's method. Finally, we give the first 20 Chinese universities in physics obtained by the CAM method. However, this method is valid for any other branch of sciences, not just for physics. The proposed method also provides universities and policy makers an effective tool to quantify and balance the academic performance of university.

  13. Waste, Fraud, and Abuse in Agency Travel Card Programs

    Science.gov (United States)

    2009-07-20

    7 The four banks providing card services under SmartPay2 contracts are Citibank , GE Capital Financial, JP Morgan Chase, and U.S. Bancorp. 8...determine whether a card should be issued; • utilize effective systems, techniques, and technologies to prevent and identify card misuse; and • close

  14. Multipurpose Smart Cards in Transportation: Benefits and Barriers to Use

    OpenAIRE

    McDonald, Noreen

    2000-01-01

    Smart cards are the technology that allows certain functions to occur. Although the technology evolved in the 1980's, it was only used for simple functions like pay phones. In the last decade, there has been a rapid increase in the use and scope of smart cards. Smart cards have been used to hold health records, allow electronic signatures and act as electronic purses.

  15. On Cyclic Plans for Scheduling a Smart Card Personalisation System

    NARCIS (Netherlands)

    Nieberg, T.

    An industrial case study for scheduling the personalisation of smart cards is presented and analysed. Smart cards are personalised in several machines that are served by an underlying conveyor belt connecting these. As there are usually a very high number of smart cards to be personalised, the focus

  16. Teaching with Documents. It's in the Cards: Archives and Baseball.

    Science.gov (United States)

    Vernon, John, Ed.

    1988-01-01

    Discusses the history of baseball cards and their use in the classroom as historical documents. Includes five exercises which deal with trading cards and the game itself. Provides a blown-up version of a 1950's Minnie Minoso baseball card to be used with one of the exercises. (GEA)

  17. 48 CFR 213.301 - Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... purchase card. 213.301 Section 213.301 Federal Acquisition Regulations System DEFENSE ACQUISITION... PROCEDURES Simplified Acquisition Methods 213.301 Governmentwide commercial purchase card. (1) “United States... accordance with 201.603-3(b) also may use the Governmentwide commercial purchase card to make a purchase...

  18. 48 CFR 2413.301 - Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... purchase card. 2413.301 Section 2413.301 Federal Acquisition Regulations System DEPARTMENT OF HOUSING AND... Acquisition Methods 2413.301 Governmentwide commercial purchase card. (c) HUD's procedures concerning the use of the government-wide commercial purchase card are contained in its Handbook on the...

  19. 48 CFR 13.301 - Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... purchase card. 13.301 Section 13.301 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION... Governmentwide commercial purchase card. (a) Except as provided in 32.1108(b)(2), the Governmentwide commercial purchase card is authorized for use in making and/or paying for purchases of supplies, services,...

  20. 48 CFR 1313.301 - Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... purchase card. 1313.301 Section 1313.301 Federal Acquisition Regulations System DEPARTMENT OF COMMERCE....301 Governmentwide commercial purchase card. The Department's procedures for the use and control of the Governmentwide commercial purchase card are set forth in CAM 1313.301....

  1. Instant Feedback for Learner Training: Using Individual Assessment Cards.

    Science.gov (United States)

    Lovelock, Clive

    2002-01-01

    Describes individual assessment cards devised by an English-as-a-Foreign-Language teacher in Japan. This system consists of giving each student her own individual assessment card at the beginning of each lesson. The focus of the information recorded on the card relates to the process of learning English. (Author/VWL)

  2. 26 CFR 49.4251-4 - Prepaid telephone cards.

    Science.gov (United States)

    2010-04-01

    ..., sells 1,000 cards it calls prepaid telephone cards to R, a convenience store owner, for $7,000. C..., R is a transferee reseller. Because R's customers will purchase other than for resale, they will be holders. Each card sold by R provides its holder, R's customer, with a fixed amount of...

  3. CarD: a new RNA polymerase modulator in mycobacteria.

    Science.gov (United States)

    Stallings, Christina L; Glickman, Michael S

    2011-01-01

    Mycobacteria CarD is an essential RNAP binding protein that regulates many transcripts including rRNA. This article will review our present state of knowledge regarding CarD and compare the known functions of CarD with other RNAP binding proteins in E. coli, emphasizing how this information can guide future investigations.

  4. 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...

  5. Meeting Mathematics Standards with a Deck of Playing Cards

    Science.gov (United States)

    McAllister, Deborah A.; McDonald, Shirley A.; Bothman, Susan M.

    2010-01-01

    The activities contained in this document have been presented at several conference sessions. Participants engaged in hands-on activities for Grades 3 through 8 that utilized a deck of playing cards to meet mathematics content and process standards. Activities included variations of card games, but with a mathematical twist, and other card-based…

  6. Our plastic age

    National Research Council Canada - National Science Library

    Richard C. Thompson; Shanna H. Swan; Charles J. Moore; Frederick S. vom Saal

    2009-01-01

    Within the last few decades, plastics have revolutionized our daily lives. Globally we use in excess of 260 million tonnes of plastic per annum, accounting for approximately 8 per cent of world oil production...

  7. Weinig plastic in vissenmaag

    NARCIS (Netherlands)

    Foekema, E.M.

    2012-01-01

    Waar de magen van sommige zeevogels vol plastic zitten, lijken vissen in de Noordzee nauwelijks last te hebben van kunststofafval. Onderzoekers die plastic resten zochten in vissenmagen vonden ze in elk geval nauwelijks.

  8. Ear Plastic Surgery

    Science.gov (United States)

    ... ENTCareers Marketplace Find an ENT Doctor Near You Ear Plastic Surgery Ear Plastic Surgery Patient Health Information ... they may improve appearance and self-confidence. Can Ear Deformities Be Corrected? Formation of the ear during ...

  9. Derivatives and Credit Contagion in Interconnected Networks

    OpenAIRE

    Sebastian Heise; Reimer Kuehn

    2012-01-01

    The importance of adequately modeling credit risk has once again been highlighted in the recent financial crisis. Defaults tend to cluster around times of economic stress due to poor macro-economic conditions, {\\em but also} by directly triggering each other through contagion. Although credit default swaps have radically altered the dynamics of contagion for more than a decade, models quantifying their impact on systemic risk are still missing. Here, we examine contagion through credit defaul...

  10. Earned Income Tax Credit Eligibility and Participation

    Science.gov (United States)

    2007-11-02

    to assist the working poor . The EIC is intended to offset the burden of the Social Security payroll tax on low - income workers and to encourage low ...The Earned Income Tax Credit (EIC), which is expected to provide over $30 billion in refundable credits in fiscal year 2002, is major federal effort... income individuals to work. The amounts of credit that taxpayers receive depend on the taxpayers’ incomes and the number of qualifying children they have

  11. Three essays on credit derivatives and liquidity

    OpenAIRE

    Arakelyan, Armen

    2012-01-01

    This thesis consists of three empirical essays on pricing credit derivatives and the impact of liquidity on the prices of credit derivatives. In essay one, I investigate empirically the pricing of Collateralized Debt Obligations (CDO) within the framework of copula models. In essay two I analyze the impact of illiquidity on Credit Default Swap (CDS) spreads on an individual level. In essay three I analyze the effect of market wide illiquidity on portfolio CDS spreads on an aggrega...

  12. Biodegradability of Plastics

    OpenAIRE

    Yutaka Tokiwa; Calabia, Buenaventurada P.; Charles U. Ugwu; Seiichi Aiba

    2009-01-01

    Plastic is a broad name given to different polymers with high molecular weight, which can be degraded by various processes. However, considering their abundance in the environment and their specificity in attacking plastics, biodegradation of plastics by microorganisms and enzymes seems to be the most effective process. When plastics are used as substrates for microorganisms, evaluation of their biodegradability should not only be based on their chemical structure, but also on their physical ...

  13. THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

    Directory of Open Access Journals (Sweden)

    Laércio Baptista da Silva

    2013-06-01

    Full Text Available This study presents an analysis of the reality of credit unions in Brazil, in view of the singular importance of credit unions for the whole society as an alternative to private resources in favor of members of the community where they are located. It confirms that, in Brazil, the mutual credit unions, besides being presented as one of the viable options within the financial system, are also seen as an alternative by which some sectors of society promote the humanization of the financial system by offering credit and return on capital with fairer interest rates.

  14. Credit Spreads Across the Business Cycle

    DEFF Research Database (Denmark)

    Nielsen, Mads Stenbo

    This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model that accou......This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model...... to firm fundamentals....

  15. "It's in the Cards": The Contribution of Illustrated Metaphor Cards to Exploring Values Within Narratives.

    Science.gov (United States)

    Karnieli-Miller, Orit; Nissim, Geffen; Goldberg, Miriam

    2017-01-01

    In this article, we present the use of illustrated metaphorical cards as a technique to enrich the qualitative narrative interview. We examine the advantages of incorporating a projective tool to assist in constructing and understanding personal narratives of people living with severe mental illness. We interviewed 25 participants-staff and members of a clubhouse in Israel (an international community model of rehabilitation in mental health)-and sought to understand their stories focused on personal and organizational values. The findings revealed that, in most cases, the cards contributed to data collection by enhancing the interviewees' ability for expression and by facilitating richer, more comprehensive stories and descriptions. This in turn enhanced the researcher's ability to understand the messages and stories presented. The research conclusions discuss the cards' potential contribution to improving data collection and analysis. The cards became an additional channel for expressing participants' experiences, emotions, and unique voice. © The Author(s) 2015.

  16. Chemical Recycle of Plastics

    Directory of Open Access Journals (Sweden)

    Sara Fatima

    2014-11-01

    Full Text Available Various chemical processes currently prevalent in the chemical industry for plastics recycling have been discussed. Possible future scenarios in chemical recycling have also been discussed. Also analyzed are the effects on the environment, the risks, costs and benefits of PVC recycling. Also listed are the various types of plastics and which plastics are safe to use and which not after rcycle

  17. Plastic value chains

    DEFF Research Database (Denmark)

    Baxter, John; Wahlstrom, Margareta; Zu Castell-Rüdenhausen, Malin

    2014-01-01

    Optimizing plastic value chains is regarded as an important measure in order to increase recycling of plastics in an efficient way. This can also lead to improved awareness of the hazardous substances contained in plastic waste, and how to avoid that these substances are recycled. As an example...

  18. 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.

  19. Evaluation of Ammunition Data Cards (REDACTED)

    Science.gov (United States)

    2016-04-29

    is in accordance with MIL-STD-1168, the Ammunition- Data Repository Program User Manual, and contracts. a. Ensure onsite Government representatives...into current open and future contracts, the Quality Assurance Letter of Instruction, and Letters of Delegation. 4. Train JMC onsite Government ...Surveillance Plan for the ammunition data card process. 6. For manufacturing facilities with DCMA onsite Government representatives, develop methods to

  20. FT 3 Flight Test Cards for Export

    Science.gov (United States)

    Marston, Michael L.

    2015-01-01

    These flight test cards will be made available to stakeholders who participated in FT3. NASA entered into the relationship with our stakeholders, including the FAA, to develop requirements that will lead to routine flights of unmanned aircraft systems flying in the national airspace system.

  1. 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 ...

  2. 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…

  3. 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…

  4. 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…

  5. Christmas Card Arrives 93 Years Late

    Institute of Scientific and Technical Information of China (English)

    马加芬

    2008-01-01

    A postcard featuring a color drawing of Santa Claus and a young girl was mailed in 1914, but its jour- ney was slower than Christmas. It just arrived in northwest Kansas. The Christmas card was dated Dec. 23, 1914, and mailed to Ethel Martin of Oberlin, apparently from her cousins in Alma, Neb.

  6. 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...

  7. One ID Card for the Entire Campus.

    Science.gov (United States)

    Ridenour, David P.; Ferguson, Linda M.

    1986-01-01

    The implementation by Indiana State University of a machine-readable photo ID system for their food services prompted an investigation into the available alternatives and requirements for a more efficient all-University ID card system. The new ID system is described. (AUTHOR/MLW)

  8. CARISPLAN Procedure Manual: Institutional Author Record Card.

    Science.gov (United States)

    United Nations Economic Commission for Latin America, Port-of-Spain (Trinadad). Caribbean Documentation Centre.

    This manual outlines the prescribed format and content of an institutional author record card, which forms the basis of the CARISPLAN (Caribbean Information System for Economic and Social Planning) Institutional Author Authority File used in conjunction with the databases of the United Nations (UN) Economic Commission for Latin America (ECLA).…

  9. 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…

  10. 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…

  11. The impact of credit risk assessment on credit activity of commercial banks

    Directory of Open Access Journals (Sweden)

    Ljubić Marijana

    2015-01-01

    Full Text Available As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.

  12. Improving Software Citation and Credit

    CERN Document Server

    Allen, Alice; DuPrie, Kimberly; Mink, Jessica; Nemiroff, Robert; Robitaille, Thomas; Shamir, Lior; Shortridge, Keith; Taylor, Mark; Teuben, Peter; Wallin, John

    2015-01-01

    The past year has seen movement on several fronts for improving software citation, including the Center for Open Science's Transparency and Openness Promotion (TOP) Guidelines, the Software Publishing Special Interest Group that was started at January's AAS meeting in Seattle at the request of that organization's Working Group on Astronomical Software, a Sloan-sponsored meeting at GitHub in San Francisco to begin work on a cohesive research software citation-enabling platform, the work of Force11 to "transform and improve" research communication, and WSSSPE's ongoing efforts that include software publication, citation, credit, and sustainability. Brief reports on these efforts were shared at the BoF, after which participants discussed ideas for improving software citation, generating a list of recommendations to the community of software authors, journal publishers, ADS, and research authors. The discussion, recommendations, and feedback will help form recommendations for software citation to those publishers...

  13. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Zaldokas, Alminas

    We present evidence that banking development plays a key role in technological progress. We focus on firms’ innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities across U.S. st...... by a greater ability of deregulated banks to geographically diversify credit risk.......We present evidence that banking development plays a key role in technological progress. We focus on firms’ innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities across U.......S. states during the 1980s and 1990s. We find that deregulation had significant beneficial effects on the quantity and quality of innovation activities, especially for firms highly dependent on external capital and located closer to entering banks. Furthermore, we find that these results are partly driven...

  14. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Žaldokas, Alminas

    2013-01-01

    We present evidence that banking development plays a key role in technological progress. We focus on manufacturing firms' innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities ...... that these results are strongly driven by a greater ability of deregulated banks to geographically diversify credit risk.......We present evidence that banking development plays a key role in technological progress. We focus on manufacturing firms' innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities...... across US states during the 1980s and 1990s. We find that interstate banking deregulation had significant beneficial effects on the quantity and quality of innovation activities, especially for firms highly dependent on external capital and located closer to entering banks. Furthermore, we find...

  15. Credit Risk Transfer and Crunches

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2010-01-01

    banks as risk navigators and generated a competitive hierarchy within the global banking industry determined on a gauge of this capacity. This private regulatory regime promoted market inflation and rendered institutional liquidity and risk transfer definitive of market power. In turn, a ballooning...... credit derivatives market broke the limits of financial production and defined state actions in the face of crisis. A shift from a central concern with solvency to that of liquidity thinly masks a profound redistribution of power from the public to the private. By swapping private assets of uncertain...... value for government bonds, central banks have effectively recognised that the products of innovation in the private sphere are global money. The state is in a curious bind. It takes on limitless exposure to private liabilities while its reform agenda is constrained to calling for greater levels...

  16. A View on Wear Mechanism of Metallic Card Clothing

    Institute of Scientific and Technical Information of China (English)

    WU Liang; WANG Wen-qiang; NI Huai-sheng

    2008-01-01

    The wear mechanism of metallic card clothing,used in textile industry, was analyzed. A fast wear test for metallic card clothing racks was developed, which was used as collecting the wear metal particles. The failure type of card clothing was analyzed by the mean of scanning electron microscopy (SEM) and ferro-spectrum technology. The results show that the main wear mechanism of metallic card clothing is low load and high repetition interval fatigue wear caused by friction force between fiber and metal wire teeth.The appropriate quenching microstmcture, which improves the wear resistance of the metallic card clothing rack is also discussed.

  17. FACTORING- CREDIT OPPORTUNITIES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ADELA IONESCU

    2013-05-01

    Full Text Available Capital is the main factor of production, business development becomes virtually impossible without taking into account the financial market and the resources it provides to businesses. Any business, regardless of its degree of development, is involving direct contact with financial markets, namely the institutions that mediate mobilization of capital and the services they provide. Understanding the functioning of the financial system, the specific financial mechanisms through which savings are allocated to support capital investments and the costs and risks involved is essential for the development of a solid base for business. In this context, factoring operations can support economic agents, allowing a transfer of commercial receivables from their holder to a factor who commits to their recovery and guarantee such operations even if temporary or permanent insolvency of the debtor . Thus, factoring is a complex technique in at least two aspects, of the debt and the transfer of credit. . Factoring is a means of financing business, especially export-import transactions, less known in Romania. Maybe because of poor business environment popularize the term is as little known as it was a few years ago the leasing. Present in Romanian legislation since 2002, factoring appears as a contract between one party (called adherent, providing goods or service and a banking company or a financial institution specialized (called factor, which the last one shall finance debts pursuing and preservation against credit risks and adherent gives factor by way of sale, debts arising from the sale of goods or services to third parties. The article is divided into three parts. In the first part we defined the concept of factoring and international factoring, then I presented the advantages and development of factoring in Romania, and the last part conclusions.

  18. Biodegradability of plastics.

    Science.gov (United States)

    Tokiwa, Yutaka; Calabia, Buenaventurada P; Ugwu, Charles U; Aiba, Seiichi

    2009-08-26

    Plastic is a broad name given to different polymers with high molecular weight, which can be degraded by various processes. However, considering their abundance in the environment and their specificity in attacking plastics, biodegradation of plastics by microorganisms and enzymes seems to be the most effective process. When plastics are used as substrates for microorganisms, evaluation of their biodegradability should not only be based on their chemical structure, but also on their physical properties (melting point, glass transition temperature, crystallinity, storage modulus etc.). In this review, microbial and enzymatic biodegradation of plastics and some factors that affect their biodegradability are discussed.

  19. Plastic value chains

    DEFF Research Database (Denmark)

    Baxter, John; Wahlstrom, Margareta; Zu Castell-Rüdenhausen, Malin

    2014-01-01

    Optimizing plastic value chains is regarded as an important measure in order to increase recycling of plastics in an efficient way. This can also lead to improved awareness of the hazardous substances contained in plastic waste, and how to avoid that these substances are recycled. As an example......, plastics from WEEE is chosen as a Nordic case study. The project aims to propose a number of improvements for this value chain together with representatives from Nordic stakeholders. Based on the experiences made, a guide for other plastic value chains shall be developed....

  20. Biodegradability of Plastics

    Directory of Open Access Journals (Sweden)

    Yutaka Tokiwa

    2009-08-01

    Full Text Available Plastic is a broad name given to different polymers with high molecular weight, which can be degraded by various processes. However, considering their abundance in the environment and their specificity in attacking plastics, biodegradation of plastics by microorganisms and enzymes seems to be the most effective process. When plastics are used as substrates for microorganisms, evaluation of their biodegradability should not only be based on their chemical structure, but also on their physical properties (melting point, glass transition temperature, crystallinity, storage modulus etc.. In this review, microbial and enzymatic biodegradation of plastics and some factors that affect their biodegradability are discussed.