WorldWideScience

Sample records for program credit card

  1. 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…

  2. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

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

  3. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

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

  4. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

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

  5. Consumer credit counseling: credit card issuers' perspectives

    OpenAIRE

    Mark Furletti

    2003-01-01

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

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

    Science.gov (United States)

    Fox, Linda Kirk

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

  7. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

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

  8. 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...

  9. British and American attitudes toward credit cards.

    Science.gov (United States)

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

    American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

  10. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

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

  11. Credit Card Debt Hardship Letter Samples

    OpenAIRE

    lissa coffey

    2016-01-01

    Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...

  12. Virtual Credit Card Processing System

    OpenAIRE

    Gray, Geraldine; Church, Karen; Ayres, Tony

    2015-01-01

    The virtual credit card processing system is an e-business system we have developed which provides a secure and universal mechanism for making purchases over the Internet. The system uses Remote Method Invocation (RMI), Java Server Pages (JSP), Java Servlets and Java Database Connectivity (JDBC). We also look at the possibility of implementing the system using the Web Services architecture.

  13. Credit Card Usage and Knowledge in Thailand

    OpenAIRE

    Sangsutisearee, Wanna

    1993-01-01

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

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

    OpenAIRE

    Syed Shah ALAM; Ruzita Abdul RAHIM; Ridhwanul HAQ; Atiqur Rahman KHAN

    2014-01-01

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

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

    Science.gov (United States)

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

    2010-01-01

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

  16. Cognitive Credit Cards: Acquiring Learning Strategies.

    Science.gov (United States)

    Edmunds, Alan L.

    1999-01-01

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

  17. College Student Performance and Credit Card Usage.

    Science.gov (United States)

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

    2001-01-01

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

  18. Mammography screening credit card and compliance.

    Science.gov (United States)

    Schapira, D V; Kumar, N B; Clark, R A; Yag, C

    1992-07-15

    Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

  19. 12 CFR 226.12 - Special credit card provisions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

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

    Directory of Open Access Journals (Sweden)

    Syed Shah ALAM

    2014-12-01

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

  1. College Student Credit Card Usage and Debt.

    Science.gov (United States)

    Rybka, Kathryn M.

    2001-01-01

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

  2. Prefrontal system dysfunction and credit card debt.

    Science.gov (United States)

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

    Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

  3. Fraud management in the credit card industry

    OpenAIRE

    Peter Burns; Anne Stanley

    2002-01-01

    On November 16, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia sponsored a workshop on fraud management in the credit card industry. Daniel Buttafogo and Larry Drexler of Juniper Bank led the discussion. Daniel Buttafogo, Director-Risk Management, is Juniper's fraud expert. He provided an overview of fraud in the card industry and discussed some of the challenges he faces as a risk manager. ; Larry Drexler is General Counsel and the Chief Privacy Officer at Juniper...

  4. Dealing with Student Credit Card Debt.

    Science.gov (United States)

    Stanford, William E.

    1999-01-01

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

  5. Correlates of credit card ownership in men and women.

    Science.gov (United States)

    Yang, Bijou; Lester, David

    2005-06-01

    In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

  6. 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...

  7. Neural fraud detection in credit card operations.

    Science.gov (United States)

    Dorronsoro, J R; Ginel, F; Sgnchez, C; Cruz, C S

    1997-01-01

    This paper presents an online system for fraud detection of credit card operations based on a neural classifier. Since it is installed in a transactional hub for operation distribution, and not on a card-issuing institution, it acts solely on the information of the operation to be rated and of its immediate previous history, and not on historic databases of past cardholder activities. Among the main characteristics of credit card traffic are the great imbalance between proper and fraudulent operations, and a great degree of mixing between both. To ensure proper model construction, a nonlinear version of Fisher's discriminant analysis, which adequately separates a good proportion of fraudulent operations away from other closer to normal traffic, has been used. The system is fully operational and currently handles more than 12 million operations per year with very satisfactory results.

  8. 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.

  9. Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

    Science.gov (United States)

    McCall, Michael; Eckrich, Donald W

    2006-06-01

    Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

  10. 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 further...

  11. 25 CFR 11.422 - Unauthorized use of credit cards.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  12. Credit Card Attitudes and Behaviors of College Students

    Science.gov (United States)

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

    2005-01-01

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

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

    OpenAIRE

    Zhu Wang

    2008-01-01

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

  14. Payment Card Rewards Programs and Consumer Payment Choice

    OpenAIRE

    Ching, Andrew; Hayashi, Fumiko

    2008-01-01

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

  15. 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.

  16. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Science.gov (United States)

    2010-04-01

    ..., numerical transposition, or similar mistake; (B) An amount posted to the wrong taxpayer's account; (C) A... disclosure of information relating to payment of taxes by credit card and debit card. Any information or data... by a credit card or debit card shall be treated as confidential, whether such information is received...

  17. Consumer Credit Card Use Intention and Influence Factors Analysis

    Directory of Open Access Journals (Sweden)

    Wang Yantao

    2017-01-01

    Full Text Available Credit card as a kind of advanced means of payment and the new way of consumer credit in the world widely, but in our country is faced with some problems, such as their per capita spending is low, open the card number is small, motionless bank card is a lot. In this paper, using the Logit model to analyze the Anshan city in Liaoning province consumer credit card usage. And combined with empirical analysis to provide banking management Suggestions and marketing countermeasures, including targeted to provide different kinds of credit card.

  18. 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.

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

    African Journals Online (AJOL)

    First Lady

    2012-10-27

    Oct 27, 2012 ... Control by Customers: Evidences from Commercial Banks. Customers in Kisumu City, Kenya ... Key words: Debit cards, credit cards, commercial banks, Kenya. Introduction. The development of credit card is ..... has an effect of leading to cash deficits on the side of cardholders. The results also indicate an ...

  20. 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…

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

    African Journals Online (AJOL)

    : Evidences from Commercial Banks Customers in Kisumu City, Kenya. ... Abstract. In the recent past, the banking sector in Kenya has witnessed a rapid growth, issuing thousands of credit cards and millions of debit cards to their customers.

  2. Predicting credit card behavior: a study in neuroeconomics.

    Science.gov (United States)

    Spinella, Marcello; Lester, David; Yang, Bijou

    2005-06-01

    In a sample of 139 community residents, credit card ownership was associated with age, sex, income, attitudes toward credit cards and toward money, and scores on a verbal measure of prefrontal cortical dysfunction, supporting a neuroeconomic approach to economic decision-making.

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

    African Journals Online (AJOL)

    In the recent past, the banking sector in Kenya has witnessed a rapid growth, issuing thousands of credit cards and millions of debit cards to their customers. The frequency in which customers use these cards for various transactions raised concerns of whether customers had lost control over their finances. Previous studies ...

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

    Science.gov (United States)

    Smith, Temple Day

    2011-01-01

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

  5. 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.

  6. Materialism and credit card use by college students.

    Science.gov (United States)

    Pinto, M B; Parente, D H; Palmer, T S

    2000-04-01

    Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

  7. Overcoming credit card fraud in South Africa

    African Journals Online (AJOL)

    chip-and-pin technology has so far proved successful in countries such as the United. Kingdom, where total counterfeit card fraud decreased by 32% in the past two years.51 In South. Africa not all cards will have the chip-and-pin feature because not all merchants have the systems installed to support chip-and-pin cards.

  8. 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.

  9. Credit Cards, Economization of Money, and Interest Rates.

    Science.gov (United States)

    Steindl, Frank G.

    2000-01-01

    Focuses on the effect of interest rates on the increased use of credit cards, a popular method of financing households. Uses three models to demonstrate that interest rates must rise, resulting in increased consumption expenditures. (CMK)

  10. A credit card verifier structure using diffraction and spectroscopy concepts

    Science.gov (United States)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2008-04-01

    We propose and experimentally demonstrate an angle-multiplexing based optical structure for verifying a credit card. Our key idea comes from the fact that the fine detail of the embossed hologram stamped on the credit card is hard to duplicate and therefore its key color features can be used for distinguishing between the real and counterfeit ones. As the embossed hologram is a diffractive optical element, we choose to shine one at a time a number of broadband lightsources, each at different incident angle, on the embossed hologram of the credit card in such a way that different color spectra per incident angle beam is diffracted and separated in space. In this way, the number of pixels of each color plane is investigated. Then we apply a feed forward back propagation neural network configuration to separate the counterfeit credit card from the real one. Our experimental demonstration using two off-the-shelf broadband white light emitting diodes, one digital camera, a 3-layer neural network, and a notebook computer can identify all 69 counterfeit credit cards from eight real credit cards.

  11. Lost, stolen or skimmed: Overcoming credit card fraud in South Africa

    African Journals Online (AJOL)

    A credit card is a convenient method of payment, but it does carry risks. The enormous growth in the use of credit cards has resulted in high levels of credit card fraud. Technological advances have allowed the perpetrators to produce counterfeit cards that resemble the genuine card so closely that it is difficult for ...

  12. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... NARCOTICS KINGPIN SANCTIONS REGULATIONS Interpretations § 598.409 Credit extended and cards issued by U.S... existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit...

  13. 41 CFR 109-38.801 - Obtaining SF 149, U.S. Government National Credit Card.

    Science.gov (United States)

    2010-07-01

    .... Government National Credit Card. 109-38.801 Section 109-38.801 Public Contracts and Property Management..., U.S. Government National Credit Card § 109-38.801 Obtaining SF 149, U.S. Government National Credit Card. DOE offices electing to use national credit cards shall request the assignment of billing address...

  14. Verification of Java Card programs

    OpenAIRE

    Stenzel, Kurt

    2005-01-01

    Smart cards are used in security critical applications where money or private data is involved. Examples are the German Geldkarte or new passports with biometrical data. Design or programming errors can have severe consequences. Formal methods are the best means to avoid errors. Java Card is a restricted version of Java to program smart cards. This work presents a logical calculus to formally prove the correctness and security of Java Card programs. The calculus is implemented in the KIV syst...

  15. An Investigation into Credit Card Debt among College Students

    Science.gov (United States)

    Williams, Dylan; Waterwall, Brian; Giardelli, Tiffany

    2008-01-01

    It is no surprise that the amount of credit card debt and outstanding loan balances of college students is increasing every year. College students are heavily targeted by credit companies through the use of e-mail, campus booths, and standard mail. The reason for these solicitations is because of the soaring expense levels of college students and…

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

    OpenAIRE

    Khyati Chaudhary; Bhawna Mallick

    2012-01-01

    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 sy...

  17. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U...'IVOIRE SANCTIONS REGULATIONS Interpretations § 543.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  18. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... DEMOCRATIC REPUBLIC OF THE CONGO SANCTIONS REGULATIONS Interpretations § 547.409 Credit extended and cards..., including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S...

  19. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... TERRORISM SANCTIONS REGULATIONS Interpretations § 594.410 Credit extended and cards issued by U.S. financial... agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a...

  20. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... SANCTIONS REGULATIONS Interpretations § 546.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  1. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... SANCTIONS REGULATIONS Interpretations § 548.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  2. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... BALKANS STABILIZATION REGULATIONS Interpretations § 588.409 Credit extended and cards issued by U.S... not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial...

  3. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... SANCTIONS REGULATIONS Interpretations § 542.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  4. 12 CFR 226.5a - Credit and charge card applications and solicitations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Credit and charge card applications and... required under this section on or with a solicitation or an application to open a credit or charge card... offer by the card issuer to open a credit or charge card account that does not require the consumer to...

  5. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... NARCOTICS TRAFFICKING SANCTIONS REGULATIONS Interpretations § 536.409 Credit extended and cards issued by U... any existing credit agreements, including, but not limited to, charge cards, debit cards, or other...

  6. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... LIBERIAN REGIME OF CHARLES TAYLOR SANCTIONS REGULATIONS Interpretations § 593.409 Credit extended and cards..., including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S...

  7. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... ZIMBABWE SANCTIONS REGULATIONS Interpretations § 541.408 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  8. 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.

  9. 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.)

  10. 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…

  11. 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.

  12. Dispute resolution: the use of arbitration in the credit card industry

    OpenAIRE

    Olivier André

    2009-01-01

    The fine print in most credit card agreements states that any dispute with a credit card issuer must be resolved through arbitration. The author lays out potential advantages and disadvantages for the consumer.

  13. Credit Card Fraud Detection using Decision Tree for Tracing Email and IP

    OpenAIRE

    Gayathiri.P; R.Dhanapal

    2012-01-01

    Credit card fraud is a wide-ranging term for theft and fraud committed using a credit card or any similar payment mechanism as a fraudulent source of funds in a transaction. The purpose may be to obtain goods without paying, or to obtain unauthorized funds from an account. Transactions completed with credit cards seem to become more and more popular with the introduction of online shopping and banking. Correspondingly, the number of credit card frauds has also increased .Currently; data minin...

  14. Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research? A Response

    Science.gov (United States)

    Staten, Michael E.; Barron, John M.

    2005-01-01

    According to the authors, the comments offered by Robert Manning and Ray Kirshak in this issue of the "Journal of Student Financial Aid" (pp. 39-48) are designed to leave the reader with the impression that their paper "Usage of Credit Cards Received through College Student-Marketing Programs" ("Journal of Student Financial Aid," 2004) was nothing…

  15. 31 CFR 587.408 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... Credit extended and cards issued by U.S. financial institutions. Section 587.201 on dealing in property... institutions from performing under any existing credit agreements, including, but not limited to, charge cards...

  16. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a... OF MASS DESTRUCTION PROLIFERATORS SANCTIONS REGULATIONS Interpretations § 544.409 Credit extended and...

  17. 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.

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

    OpenAIRE

    Nor Asiah Omar; Ruzita Abdul Rahim; Che Aniza Che Wel; Syed Shah Alam

    2014-01-01

    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 b...

  19. Credit card fraud detection using neural network and geolocation

    Science.gov (United States)

    Gulati, Aman; Dubey, Prakash; MdFuzail, C.; Norman, Jasmine; Mangayarkarasi, R.

    2017-11-01

    The most acknowledged payment mode is credit card for both disconnected and online mediums in today's day and age. It facilitates cashless shopping everywhere in the world. It is the most widespread and reasonable approach with regards to web based shopping, paying bills, what's more, performing other related errands. Thus danger of fraud exchanges utilizing credit card has likewise been expanding. In the Current Fraud Detection framework, false exchange is recognized after the transaction is completed. As opposed to the current system, the proposed system presents a methodology which facilitates the detection of fraudulent exchanges while they are being processed, this is achieved by means of Behaviour and Locational Analysis(Neural Logic) which considers a cardholder's way of managing money and spending pattern. A deviation from such a pattern will then lead to the system classifying it as suspicious transaction and will then be handled accordingly.

  20. Using Fraud Trees to Analyze Internet Credit Card Fraud

    OpenAIRE

    Blackwell, Clive

    2014-01-01

    Part 1: Internet Crime Investigations; International audience; Because of the difficulties inherent in accurately identifying individuals on the Internet, online merchants reduce the risk of credit card fraud by increasing restrictions on consumers. The restrictions are often overly burdensome on consumers and may result in lost sales. This paper uses the concept of a fraud tree, an extension of an attack tree, to comprehensively model online fraud techniques and to suggest defensive obstacle...

  1. Early clinical experience with CardioCard - a credit card-sized electronic patient record.

    Science.gov (United States)

    Bernheim, Alain M; Schaer, Beat A; Kaufmann, Christoph; Brunner-La Rocca, Hanspeter; Moulay-Lakhdar, Nadir; Buser, Peter T; Pfisterer, Matthias E; Osswald, Stefan

    2006-08-19

    CardioCard is a CDROM of credit card size containing medical information on cardiac patients. Patient data acquired during hospital stay are stored in PDF format and secured by a password known to patients only. In a consecutive series of patients, we assessed acceptance and utility of this new information medium. A questionnaire was sent to all patients who had received CardioCard over a one-year period. The questionnaire was returned by 392 patients (73%). 44% of patients had the card with them all the time. The majority of patients (73%) considered the CardioCard useful (8% not useful, 19% no statement) and most (78%) would even agree to bear additional costs. Only 5% worried about data security. In contrast, 44% would be concerned of data transmission via internet. During an observation period of 6 (SD 3) months, data were accessed by 27% of patients and 12% of their physicians. The proportion of card users was lower among older patients: 70 y, 16% and particularly among older women: 61.70 y, 9%; >70 y, 5%. Technical problems during data access occurred in 34%, mostly due to incorrect handling. A majority of patients considered CardioCard as useful and safe. Lack of hardware equipment or insufficient computer knowledge, but not safety issues were the most important limitations. As patients expressed concerns regarding protection of privacy if data were accessible via internet, this would remain a strong limiting factor for online use.

  2. A Cognitive Analysis of Credit Card Acquisition and College Student Financial Development.

    Science.gov (United States)

    Kidwell, Blair; Turrisi, Robert

    2000-01-01

    Examines cognitions relevant to credit card decision making in college-aged participants (N=304). Assesses measures of beliefs, attitudes, and behavioral alternatives toward acquiring a credit card. Identifies a multivariate model predicting college student financial development of the attitudes and behavioral tendencies of acquiring a new card.…

  3. 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.

  4. 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.

  5. An Examination of the Credit Card Payment Practices of College Students

    OpenAIRE

    Munro, Jennifer L.

    1997-01-01

    An Examination of the Credit Card Payment Practices of College Students by Jennifer L. Munro (ABSTRACT) Every year, young adults graduate from high school and enter college. Often, college is the first opportunity students have to manage money. For some students, this means owning and managing their first credit cards. Colleges and universities frequently allow credit card vendors to solicit on campus. This practice is subject to criticism by the popular media, which reports hor...

  6. Self-esteem, Money Attitude, Credit Card USAge, and Compulsive Buying Behaviour

    OpenAIRE

    Simanjuntak, Megawati; Rosifa, Ambar Susan

    2016-01-01

    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 compul...

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

    OpenAIRE

    Megawati Simanjuntak; Ambar Susan Rosifa

    2016-01-01

    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 compul...

  8. SEARCHING THE FACTORS HAVING CREDIT CARD: A SURVEY STUDY IN ERZURUM

    Directory of Open Access Journals (Sweden)

    ERKAN OKTAY

    2013-06-01

    Full Text Available In this study, the factors related with having credit card in Erzurum have been searched by a logit model. There are demographic, social, cultural, and economic variables in the model. The final model is statistically significant. According to the model, job, average household income per month, payment method at shopping, usefulness of credit card and increasing the shopping tendency are statistically significant on having credit card.

  9. DATA MINING APPLICATION IN CREDIT CARD FRAUD DETECTION SYSTEM

    Directory of Open Access Journals (Sweden)

    FRANCISCA NONYELUM OGWUELEKA

    2011-06-01

    Full Text Available Data mining is popularly used to combat frauds because of its effectiveness. It is a well-defined procedure that takes data as input and produces models or patterns as output. Neural network, a data mining technique was used in this study. The design of the neural network (NN architecture for the credit card detection system was based on unsupervised method, which was applied to the transactions data to generate four clusters of low, high, risky and high-risk clusters. The self-organizing map neural network (SOMNN technique was used for solving the problem of carrying out optimal classification of each transaction into its associated group, since a prior output is unknown. The receiver-operating curve (ROC for credit card fraud (CCF detection watch detected over 95% of fraud cases without causing false alarms unlike other statistical models and the two-stage clusters. This shows that the performance of CCF detection watch is in agreement with other detection software, but performs better.

  10. 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.

  11. 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...

  12. 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.

  13. Relationships between College Students' Credit Card Debt, Undesirable Academic Behaviors and Cognitions, and Academic Performance

    Science.gov (United States)

    Hogan, Eileen A.; Bryant, Sarah K.; Overymyer-Day, Leslie E.

    2013-01-01

    The acquisition of credit card debt by college students has long been a topic of concern. This study explores relationships among debt, undesirable academic behaviors and cognitions, and academic performance, through surveys of 338 students in a public university, replicating two past measures of credit card debt and creating new measures of…

  14. Credit Card Solicitation Policies in Higher Education: Does "Protecting" Our Students Make a Difference?

    Science.gov (United States)

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

    2001-01-01

    Reports on a study that investigated the effect of a university's solicitation policy on students' acquisition and usage of credit cards. Attempts by universities to limit access to and use of credit cards appear to be ineffective. Suggests alternative policies be constructed around teaching students sound money management skills. (Author/JDM)

  15. 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.

  16. 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…

  17. Credit Card Usage and Debt among College and University Students. ERIC Digest.

    Science.gov (United States)

    Holub, Tamara

    Since the late 1990s, lawmakers, college officials, consumer advocacy groups, and higher education practitioners have become increasingly concerned about the rising use of credit cards among college students. Some recent studies have provided information about credit card use among college students. These studies include: (1) a study conducted by…

  18. Determinants affecting consumer adoption of contactless credit card: an empirical study.

    Science.gov (United States)

    Wang, Yu-Min

    2008-12-01

    The contactless credit card is one of the most promising technological innovations in the field of electronic payments. It provides consumers with greater control of payments, convenience, and transaction speed. However, contactless credit cards have yet to gain significant rates of adoption in the marketplace. Thus, effort must be made to identify factors affecting consumer adoption of contactless credit cards. Based on the technology acceptance model, innovation diffusion theory, and the relevant literature, seven variables (perceived usefulness, perceived ease of use, compatibility, perceived risk, trust, consumer involvement, availability of infrastructure) are proposed to help predict consumer adoption of contactless credit cards. Data collected from 312 respondents in Taiwan is tested against the proposed prediction model using the logistic regression approach. The results and implications of our study contribute to an expanded understanding of the factors that affect consumer adoption of contactless credit cards.

  19. 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. 

  20. Variables Influencing Credit Card Balances of Students at a Midwestern University

    Science.gov (United States)

    Mattson, Lucretia; Sahlhoff, Kathleen; Blackstone, Judith; Peden, Blaine; Nahm, Abraham Y.

    2004-01-01

    This research used a Web-based survey of students at a Midwest regional university to measure the extent of credit card use by first-year students and seniors. The results indicate that the variables influencing credit card use and the carrying of a balance from one month to the next include the number of cards held by the student, the student's…

  1. 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

  2. Rule extraction from minimal neural networks for credit card screening.

    Science.gov (United States)

    Setiono, Rudy; Baesens, Bart; Mues, Christophe

    2011-08-01

    While feedforward neural networks have been widely accepted as effective tools for solving classification problems, the issue of finding the best network architecture remains unresolved, particularly so in real-world problem settings. We address this issue in the context of credit card screening, where it is important to not only find a neural network with good predictive performance but also one that facilitates a clear explanation of how it produces its predictions. We show that minimal neural networks with as few as one hidden unit provide good predictive accuracy, while having the added advantage of making it easier to generate concise and comprehensible classification rules for the user. To further reduce model size, a novel approach is suggested in which network connections from the input units to this hidden unit are removed by a very straightaway pruning procedure. In terms of predictive accuracy, both the minimized neural networks and the rule sets generated from them are shown to compare favorably with other neural network based classifiers. The rules generated from the minimized neural networks are concise and thus easier to validate in a real-life setting.

  3. Self-control and credit-card use among college students.

    Science.gov (United States)

    Mansfield, Phylis M; Pinto, Mary Beth; Parente, Diane H

    2003-06-01

    This study assessed the relationship between self-control and credit-card use with a convenience sample of 165 traditional-age college students of whom 69 (42%) were women. Students' self-control was measured on Grasmick, et al.'s Self-control Scale, which has six subscales, one of which is Impulsivity. Comparisons were made between those students who paid their cards off each month, called convenience users, and those who carried a monthly balance forward on scores on total self-control and impulsivity, and number of credit cards possessed. A significant difference in self-control scores was found between these two groups and also for mean impulsivity scores. Significantly fewer credit cards were possessed by students who paid their cards off each month than by those who carried a monthly balance.

  4. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    Science.gov (United States)

    2010-10-01

    ... REGULATIONS TRANSPORTATION OF HOUSEHOLD GOODS IN INTERSTATE COMMERCE; CONSUMER PROTECTION REGULATIONS Before... to pay for a freight or expense bill by charge or credit card, you are deeming such payment to be the...

  5. Student Credit Card Debt in the 21st Century: Options for Financial Aid Administrators.

    Science.gov (United States)

    Oleson, Mark

    2001-01-01

    Provides multiple workable solutions financial aid offices can offer students throughout their college experience to deal with debt: preventive solutions for avoiding problems with credit card debt, holistic solutions for other related problems, and remedial solutions for existing problems. (EV)

  6. 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.

  7. 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 The use of debit and credit cards has become indispensable to consumers worldwide. This cashless method of payment offers flexibility and convenience. It eliminates the safety risk of carrying large cash amounts in person and cards can be cancelled...

  8. Establishing a Successful Smart Card Program.

    Science.gov (United States)

    Wiens, Janet

    2001-01-01

    Discusses how to run a successful smart card program through a comprehensive approach that includes a detailed plan for the present and future, high level support from school administration, and extensive user input. Florida State University is used to illustrate a successfully implemented smart card program. (GR)

  9. Unconditionally Secure Credit/Debit Card Chip Scheme and Physical Unclonable Function

    Science.gov (United States)

    Kish, Laszlo B.; Entesari, Kamran; Granqvist, Claes-Göran; Kwan, Chiman

    The statistical-physics-based Kirchhoff-law-Johnson-noise (KLJN) key exchange offers a new and simple unclonable system for credit/debit card chip authentication and payment. The key exchange, the authentication and the communication are unconditionally secure so that neither mathematics- nor statistics-based attacks are able to crack the scheme. The ohmic connection and the short wiring lengths between the chips in the card and the terminal constitute an ideal setting for the KLJN protocol, and even its simplest versions offer unprecedented security and privacy for credit/debit card chips and applications of physical unclonable functions (PUFs).

  10. 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…

  11. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Science.gov (United States)

    2010-01-01

    ... and nonmortgage servicing assets may be included in core capital. (3) Intangible assets, as defined in... intangibles described in paragraph (g)(3) of this section, are deducted in computing tangible and core capital... assets, intangible assets (other than purchased credit card relationships and servicing assets), credit...

  12. Credit Card Usage among Older Adults: Assessing Financial Literacy and Pressures

    Science.gov (United States)

    St. Pierre, Eileen; Shreffler, Karina

    2013-01-01

    The research reported here assessed the financial literacy of older adults living in rural communities, current use of and attitudes towards debt, and debt pressures. Those surveyed exhibit low credit card usage and responsible payment practices. Most never use credit to pay medical expenses. Respondents display a financial literacy level similar…

  13. 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.

  14. 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.

  15. 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.

  16. The Learning Credit Card: A Tool for Managing Personal Development

    Science.gov (United States)

    Rushby, Nick; Twining, John; Twining, Nick; Devitt, Thomas

    2008-01-01

    This is the report of a five month study, undertaken by Sundridge Park Training Technologies in association with Guildford Educational Services to assess the potential of smart card technology to support learning and the management of learning. The study had two strands--the state of the art of the technology and its potential for supporting,…

  17. The identification of credit card encoders by hierarchical cluster analysis of the jitters of magnetic stripes.

    Science.gov (United States)

    Leung, S C; Fung, W K; Wong, K H

    1999-01-01

    The relative bit density variation graphs of 207 specimen credit cards processed by 12 encoding machines were examined first visually, and then classified by means of hierarchical cluster analysis. Twenty-nine credit cards being treated as 'questioned' samples were tested by way of cluster analysis against 'controls' derived from known encoders. It was found that hierarchical cluster analysis provided a high accuracy of identification with all 29 'questioned' samples classified correctly. On the other hand, although visual comparison of jitter graphs was less discriminating, it was nevertheless capable of giving a reasonably accurate result.

  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. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Standard Form 149, U.S. Government National Credit Card. 101-26.4901-149 Section 101-26.4901-149 Public Contracts and Property... 149, U.S. Government National Credit Card. Note: The form illustrated in § 101-26.4901-149 is filed as...

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

    African Journals Online (AJOL)

    First Lady

    2012-10-27

    Oct 27, 2012 ... In the recent past, the banking sector in Kenya has witnessed a rapid growth, issuing thousands of credit ... has been tremendous improvement in the banking sector (Hanson, 1985). Whereas many world ..... commercial bank with highest branch net work in the country (see appendix. 3), it was established ...

  1. A Hybrid Data Mining Approach for Credit Card Usage Behavior Analysis

    Science.gov (United States)

    Tsai, Chieh-Yuan

    Credit card is one of the most popular e-payment approaches in current online e-commerce. To consolidate valuable customers, card issuers invest a lot of money to maintain good relationship with their customers. Although several efforts have been done in studying card usage motivation, few researches emphasize on credit card usage behavior analysis when time periods change from t to t+1. To address this issue, an integrated data mining approach is proposed in this paper. First, the customer profile and their transaction data at time period t are retrieved from databases. Second, a LabelSOM neural network groups customers into segments and identify critical characteristics for each group. Third, a fuzzy decision tree algorithm is used to construct usage behavior rules of interesting customer groups. Finally, these rules are used to analysis the behavior changes between time periods t and t+1. An implementation case using a practical credit card database provided by a commercial bank in Taiwan is illustrated to show the benefits of the proposed framework.

  2. 41 CFR 101-26.502 - U.S. Government National Credit Card.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true U.S. Government National Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property Management Regulations System FEDERAL PROPERTY MANAGEMENT REGULATIONS SUPPLY AND PROCUREMENT 26-PROCUREMENT...

  3. 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)

  4. Credit card fraud detection: An application of the gene expression messy genetic algorithm

    Energy Technology Data Exchange (ETDEWEB)

    Kargupta, H.; Gattiker, J.R.; Buescher, K.

    1996-05-01

    This paper describes an application of the recently introduced gene expression messy genetic algorithm (GEMGA) (Kargupta, 1996) for detecting fraudulent transactions of credit cards. It also explains the fundamental concepts underlying the GEMGA in the light of the SEARCH (Search Envisioned As Relation and Class Hierarchizing) (Kargupta, 1995) framework.

  5. Effect of Personal Financial Knowledge on College Students' Credit Card Behavior

    Science.gov (United States)

    Robb, Cliff A.; Sharpe, Deanna L.

    2009-01-01

    Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were…

  6. Community-based asthma care: trial of a "credit card" asthma self-management plan.

    Science.gov (United States)

    D'Souza, W; Crane, J; Burgess, C; Te Karu, H; Fox, C; Harper, M; Robson, B; Howden-Chapman, P; Crossland, L; Woodman, K

    1994-07-01

    Although asthma self-management plans are widely recommended as essential in the long-term treatment of adult asthma, there have been few studies examining their use. Our objective was to assess the effect of a "credit card" adult asthma self-management plan in a community experiencing major health problems from asthma, by means of a before and after intervention trial of the efficacy of the "credit card" plan, when introduced through community-based asthma clinics. The participants were 69 Maori people with asthma. The "credit card" plan consisted of written guidelines for the self-management of asthma, based on self-assessment of asthma severity, printed on a plastic card. On one side, management guidelines were based on the interpretation of peak expiratory flow rate (PEFR) recordings, whilst the reverse side was based on symptoms. The outcome measures used were before and after comparison of markers of asthma morbidity and requirement for acute medical treatment; and a structured questionnaire assessing the acceptability and use of the credit card plan. Following the introduction of the plan, the mean PEFR increased from 347 to 389 l.min-1, the percentage of nights woken fell from 30.4 to 16.9%, and the number of days "out of action" fell from 3.8 to 1.7%. The requirements for acute medical treatment also fell during the intervention period. Most participants commented favourably on the content and usefulness of the plan. In the situation of worsening asthma, 28% of subjects found the peak flow side of the card most helpful, 7% the symptoms side, and 48% found both sides equally helpful.(ABSTRACT TRUNCATED AT 250 WORDS)

  7. 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.

  8. 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.

  9. 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. Copyright © 2015, American Association for the Advancement of Science.

  10. Evaluation of "credit card" libraries for inhibition of HIV-1 gp41 fusogenic core formation.

    Science.gov (United States)

    Xu, Yang; Lu, Hong; Kennedy, Jack P; Yan, Xuxia; McAllister, Laura A; Yamamoto, Noboru; Moss, Jason A; Boldt, Grant E; Jiang, Shibo; Janda, Kim D

    2006-01-01

    Protein-protein interactions are of critical importance in biological systems, and small molecule modulators of such protein recognition and intervention processes are of particular interest. To investigate this area of research, we have synthesized small-molecule libraries that can disrupt a number of biologically relevant protein-protein interactions. These library members are designed upon planar motif, appended with a variety of chemical functions, which we have termed "credit-card" structures. From two of our "credit-card" libraries, a series of molecules were uncovered which act as inhibitors against the HIV-1 gp41 fusogenic 6-helix bundle core formation, viral antigen p24 formation, and cell-cell fusion at low micromolar concentrations. From the high-throughput screening assays we utilized, a selective index (SI) value of 4.2 was uncovered for compound 2261, which bodes well for future structure activity investigations and the design of more potent gp41 inhibitors.

  11. Credit Card Outstanding Balance and Non-Performing Loans in Malaysia : Macroeconomic Determinants and Regulatory Interventions

    OpenAIRE

    Chia, Wai Leng

    2016-01-01

    The credit card debt growth is paradoxical from macroeconomics perspective because it acts simultaneously as stimulus for economic growth and debt crisis. Hence, it is essential to understand the fundamental of household borrowing decision and its mediating market. This led the dissertation back to the fundamental question on understanding the drivers behind the accumulation of debts and the cause of delinquency taking into consideration the significant influence of macroeconomic factors and ...

  12. 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 impact...... 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....

  13. Approach to recognition of flexible form for credit card expiration date recognition as example

    Science.gov (United States)

    Sheshkus, Alexander; Nikolaev, Dmitry P.; Ingacheva, Anastasia; Skoryukina, Natalya

    2015-12-01

    In this paper we consider a task of finding information fields within document with flexible form for credit card expiration date field as example. We discuss main difficulties and suggest possible solutions. In our case this task is to be solved on mobile devices therefore computational complexity has to be as low as possible. In this paper we provide results of the analysis of suggested algorithm. Error distribution of the recognition system shows that suggested algorithm solves the task with required accuracy.

  14. 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...

  15. 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.

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

    African Journals Online (AJOL)

    ... using the object oriented analysis and design methodology. Java programming language was used for implementation and Matlab was used to carry out simulations. The resulting model demonstrated learning like that of the human brain using sparse data, hence, the model required less resources to evaluate big data.

  17. Graduation Credit Cards--Immediate Buy in, Immediate Payoff

    Science.gov (United States)

    Eichorn, Robert; Garza, Ruth; Jones, Karre; Sobers, Marie

    2010-01-01

    New Directions Alternative Education Center, Prince William County Public School's (PWCS) alternative high school, serves approximately 1000 students on a rolling-enrollment basis each year. The 2009-2010 school year marks the sixth year of operation for the center. The school program continues to develop and grow in exciting and "new…

  18. 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.

  19. Modeling the Trend of Credit Card Usage Behavior for Different Age Groups Based on Singular Spectrum Analysis

    Directory of Open Access Journals (Sweden)

    Wei Nai

    2018-01-01

    Full Text Available Credit card holders from different age groups have different usage behaviors, so deeply investigating the credit card usage condition and properly modeling the usage trend of all customers in different age groups from time series data is meaningful for financial institutions as well as banks. Until now, related research in trend analysis of credit card usage has mostly been focused on specific group of people, such as the behavioral tendencies of the elderly or college students, or certain behaviors, such as the increasing number of cards owned and the rise in personal card debt or bankruptcy, in which the only analysis methods employed are simply enumerating or classifying raw data; thus, there is a lack of support in specific mathematical models based on usage behavioral time series data. Considering that few systematic modeling methods have been introduced, in this paper, a novel usage trend analysis method for credit card holders in different age groups based on singular spectrum analysis (SSA has been proposed, using the time series data from the Survey of Consumer Payment Choice (SCPC. The decomposition and reconstruction process in the method is proposed. The results show that the credit card usage frequency falls down from the age of 26 to the lowest point at around the age of 58 and then begins to increase again. At last, future work is discussed.

  20. 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.

  1. 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.

  2. 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.

  3. 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...

  4. 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.

  5. Internet cigarette vendor compliance with credit card payment and shipping bans.

    Science.gov (United States)

    Williams, Rebecca S; Ribisl, Kurt M

    2014-02-01

    Most Internet cigarette sales have violated taxation and youth access laws, leading to landmark 2005 agreements with credit card companies, PayPal, and private shippers (United Parcel Service, Federal Express, DHL) to cease participation in these transactions. Despite their promise at the time, loopholes allowed for check payment and U.S. Postal Service (USPS) shipping. This study assessed actual vendor compliance with the payment and shipping bans using a purchase survey. In late 2007 and early 2008, an adult buyer attempted to order cigarettes from the 97 most popular Internet cigarette vendors (ICVs) using banned payment and shipping methods. When banned payment or shipping methods were unavailable, purchases were attempted with alternate methods (e.g., checks, e-checks, USPS). Twenty-seven of 100 orders were placed with (banned) credit cards; 23 were successfully received. Seventy-one orders were placed with checks (60 successfully received). Four orders were delivered using banned shippers; 79 of 83 successfully received orders were delivered by the USPS. About a quarter of ICVs violated the payment ban, others adapted by accepting checks. Most vendors complied with the shipping ban, perhaps because USPS was an easy substitute shipping option. Better enforcement of the bans is needed; the 2009 Prevent All Cigarette Trafficking Act closed the USPS loophole by making cigarettes nonmailable material; evaluation of enforcement efforts and adaptations by vendors are needed. These sorts of bans are a promising approach to controlling the sale of restricted goods online.

  6. 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.

  7. 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…

  8. 76 FR 68841 - New Markets Tax Credit Program

    Science.gov (United States)

    2011-11-07

    ... New Markets Tax Credit Program AGENCY: Community Development Financial Institutions Fund, U.S... public regarding the New Markets Tax Credit (NMTC) Program, which is jointly administered by the..., New Markets Tax Credit Program, CDFI Fund, U.S. Department of the Treasury, 601 13th Street NW., Suite...

  9. 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…

  10. 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.

  11. Credit

    OpenAIRE

    Tichá, Irena

    2016-01-01

    Credit This diploma thesis deals with the provision of credit and credit agreement under Sections 2395 - 2400 of the Civil Code. The purpose of this thesis is to analyze legal regulation of credit agreement under Civil Code and also to describe selected issues of Consumer Credit regulated by Consumer Credit Act. The first chapter describes credit in general, defines credit agreement and sources of the law, by which credit agreement is governed, then I compare credit agreement and loan agreeme...

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

    OpenAIRE

    Foo, Yong Sin

    2007-01-01

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

  13. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Disclosure of returns and return information relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6103(k)(9)-1...

  14. A credit-card library approach for disrupting protein-protein interactions.

    Science.gov (United States)

    Xu, Yang; Shi, Jin; Yamamoto, Noboru; Moss, Jason A; Vogt, Peter K; Janda, Kim D

    2006-04-15

    Protein-protein interfaces are prominent in many therapeutically important targets. Using small organic molecules to disrupt protein-protein interactions is a current challenge in chemical biology. An important example of protein-protein interactions is provided by the Myc protein, which is frequently deregulated in human cancers. Myc belongs to the family of basic helix-loop-helix leucine zipper (bHLH-ZIP) transcription factors. It is biologically active only as heterodimer with the bHLH-ZIP protein Max. Herein, we report a new strategy for the disruption of protein-protein interactions that has been corroborated through the design and synthesis of a small parallel library composed of 'credit-card' compounds. These compounds are derived from a planar, aromatic scaffold and functionalized with four points of diversity. From a 285 membered library, several hits were obtained that disrupted the c-Myc-Max interaction and cellular functions of c-Myc. The IC50 values determined for this small focused library for the disruption of Myc-Max dimerization are quite potent, especially since small molecule antagonists of protein-protein interactions are notoriously difficult to find. Furthermore, several of the compounds were active at the cellular level as shown by their biological effects on Myc action in chicken embryo fibroblast assays. In light of our findings, this approach is considered a valuable addition to the armamentarium of new molecules being developed to interact with protein-protein interfaces. Finally, this strategy for disrupting protein-protein interactions should prove applicable to other families of proteins.

  15. Kiddie Credit Cards. Hearing before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs. House of Representatives, One Hundred Third Congress, Second Session (March 10, 1994).

    Science.gov (United States)

    Congress of the U.S., Washington, DC. House Committee on Banking, Finance and Urban Affairs.

    This hearing transcript presents testimony and discussion of a congressional committee on the marketing of credit cards to high school and college students and the consequences of that activity. Chairman Joseph P. Kennedy opened the hearing with a statement describing aggressive credit marketing to this population and some of his concerns. Ruth…

  16. Making Meaning of Student Debt: How Undergraduate Students Make Sense of their Student Loan and Credit Card Debt

    OpenAIRE

    Rotondi, Matthew Baron

    2015-01-01

    The meanings that college students make of their student debt were explored through the use of a survey (n ≈ 1200) as well as in-depth interviews (n = 84). Full-time undergraduate students from three institutions of higher education in Southern California were asked about how they used student loans and credit cards, how they might respond to hypothetical increases in their debt balances, their attitudes and feelings about debt, and how debt was related to their college goals and college expe...

  17. A New Program for Healthy Eating Study Using a Card Game.

    Science.gov (United States)

    Kamada, Mikio; Moriyama, Masaki; Iwai, Kozue

    2013-02-01

    A new program using a card game for study of children's food risk communication was developed to meet the needs of learning healthy eating. To examine the effects of the new program, an experiment was carried out in an elementary school with 132 students. The game rules resemble those of common card games. Keeping seven cards in their hands, players exchange one of their cards for another card from the card stack to make a set of food they usually eat. Through the process, they can learn other players' dietary lives. The effects of the card game program and the control program were evaluated by a questionnaire study. Scores for three characteristics-enjoyment, satisfaction, and communication with the other players-for the new program showed higher average values compared with the conventional program without the game. The findings indicate that the newly developed program is beneficial for children's learning healthy eating.

  18. Program exchanges green backs for green cards

    Energy Technology Data Exchange (ETDEWEB)

    Madison, Alison L.

    2010-07-02

    As they say, membership has its privileges. Starbucks Gold members get coffee discounts. Costco members get to spend at least $100 per trip no matter what they went for. And loyalists of certain local businesses get first dibs on boat race tickets that actually involve shade. Here’s a new one for you. Members of the EB-5 Visa Program get legal residency--and eventually citizenship--in the U.S. When I first heard about it, I poignantly thought to myself, "Say what?" But I am now enlightened, and admittedly a tad enthusiastic, thanks to a couple of presenters at a recent Tri-Cities Research District Speaker Series event.

  19. A programming and a modelling perspective on the evaluation of Java Card implementations

    NARCIS (Netherlands)

    Hartel, Pieter H.; de Jong, E.; de Jong, Eduard; Attali, Isabelle; Jensen, Thomas

    Java Card Technology has provided a huge step forward in programming smart cards: from assembler to using a high level Object Oriented language. However, the authors have found some differences between the current Java Card version (2.1) and main stream Java that may restrict the benefits of using

  20. 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.

  1. Nutrient Assimilation Services for Water Quality Credit Trading Programs

    OpenAIRE

    Stephenson, Kurt; Shabman, Leonard

    2015-01-01

    Water quality trading programs envision regulated point sources meeting discharge control requirements and then being allowed to increase their nutrient discharge if they secure nutrient reduction credits from other pollutant sources in the watershed. Reduction credits can be created when agricultural land managers implement best management practices and regulators predict that those practices will result in water quality conditions equivalent to controlling discharges at the regulated source...

  2. A smart card based student card system

    OpenAIRE

    2009-01-01

    M.Sc. A Smart Card looks like a normal plastic card that we use every day, but its capabilities and advantages are huge. Inside the card there is a small microprocessor capable of doing operations on data. With memory available on the card, data can be stored in a safe and secure location. This card can be used for various applications and is a big improvement on all of its predecessors. These applications can be anything from SIM cards in a cell phone to credit cards and cards used for ac...

  3. 75 FR 25832 - Commodity Credit Corporation Information Collection; Noninsured Crop Disaster Assistance Program

    Science.gov (United States)

    2010-05-10

    ... Farm Service Agency Commodity Credit Corporation Information Collection; Noninsured Crop Disaster Assistance Program AGENCY: Farm Service Agency and Commodity Credit Corporation and, USDA. ACTION: Notice... Agency and the Commodity Credit Corporation are seeking comments from all interested individuals and...

  4. Consumer Perceptions of Mobile and Traditional Point-of-Sale Credit/Debit Card Systems in the United States: A Survey

    OpenAIRE

    Saxena, Nitish; Sloan, John J.; Godbole, Manasvee; Yu, Jun; Cai, Jacinta; Goergescu, Michael; Harper, Olive Nick; Schwebel, David

    2016-01-01

    In recent years, rapidly emerging technology has introduced mobile Point-Of-Sale (MPOS) systems to the North American market. These systems allow merchants to process transactions conveniently and quickly using mobile phones or tablets rather than “traditional” point-of-sale (TPOS) credit card-processing systems. However, the long-term success of these new payment systems relies on consumers perceiving the device to be secure, accurate, and free from criminal activity. We present ...

  5. 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

    2011-02-14

    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.

  6. Reminder card helps patients remember OCs.

    Science.gov (United States)

    1999-11-01

    Organon has developed the Reminder Card to help women patients remember their regular intake of oral contraceptive (OC) pills. About 50% of women take birth control pills as prescribed, 25% miss a pill per month, and 25% miss two or more pills in the same time frame. The plastic card, about the size and shape of a credit card, contains a microchip timer. Reminder cards are available to providers who use the Starter Kits issued by the company for new-start patients on the Mircette OC. When patients begin their first pack of pills, they select the time of day they prefer to have the Reminder Card emit its tiny beep. The time is set into the microchip timer and the card is programmed to sound automatically at the pre-set time each day for the next three months. The direction for using the Reminder Card is outlined.

  7. A Review of Problems Concerning the Granting of Transfer of Credit for Undergraduate Study Abroad Programs.

    Science.gov (United States)

    Frey, James S.

    This review examines the various undergraduate study abroad programs and the problems involved in evaluating the programs for the granting of transfer credits. The five major factors influencing the credit evaluation decision are enumerated, and their importance is discussed. (MML)

  8. Notification: Review of the U.S. Environmental Protection Agency's Purchase Card and Convenience Check Program

    Science.gov (United States)

    Project #OA-FY13-0116, December 20, 2012. The U.S. Environmental Protection Agency, Office of Inspector General, plans to begin preliminary research for an audit of the agency’s purchase card and convenience check programs.

  9. Report: EPA's Fiscal Year 2015 Purchase Card and Convenience Check Program Assessed as Low Risk

    Science.gov (United States)

    Report #16-P-0124, March 29, 2016. We determined the EPA's purchase card and convenience check program for FY 2015 to be at a low risk for illegal, improper or erroneous purchases and payments due to strengthened internal controls.

  10. Notification: Fiscal Year 2015 Risk Assessment of EPA's Purchase Card and Convenience Check Programs

    Science.gov (United States)

    Project #OA-FY15-0064, August 26, 2015. The U.S. Environmental Protection Agency (EPA) Office oflnspector General (OIG) plans to begin the preliminary research phase ofauditing the agency's purchase card and convenience check programs.

  11. 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

    2011-02-01

    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.

  12. A Multi-Application Smart Card System with Authentic Post-Issuance Program Modification

    Science.gov (United States)

    Uddin, Mohammad Mesbah; Nohara, Yasunobu; Ikeda, Daisuke; Yasuura, Hiroto

    A multi-application smart card system consists of an issuer, service vendors and cardholders, where cardholders are recipients of smart cards (from the issuer) to be used in connection with applications offered by service vendors. Authentic post-issuance program modification is necessary for a multi-application smart card system because applications in the system are realized after the issuance of a smart card. In this paper, we propose a system where only authentic modification is possible. In the proposed system, the smart card issuer stores a unique long bitstring called PID in a smart card. The smart card is then given to the cardholder. A unique substring of the PID (subPID) is shared between the cardholder and a corresponding service vendor. Another subPID is shared between the issuer and the cardholder. During program modification, a protocol using the subPlDs, a one-way hash function and a pseudorandom number generator function verifies the identity of the parties and the authenticity of the program.

  13. 78 FR 4875 - Office of Small Credit Unions (OSCUI) Loan Program Access for Credit Unions

    Science.gov (United States)

    2013-01-23

    ... equipment, including branch facilities, ATMs, and electronic banking facilities; and (v) Operational... credit union's marketing strategy to reach members and the community; and include financial projections...

  14. A Welcomed Intrusion: A Response to Card and Giuliano's Evaluation of a Gifted Program

    Science.gov (United States)

    Warne, Russell T.

    2016-01-01

    Card and Giuliano conducted a regression discontinuity study in a large Florida school district to investigate the magnitude of academic benefits of the district's gifted program. They found that for children identified as gifted through an intelligence test, the program provided few or no benefits. But children who were admitted to the gifted…

  15. 75 FR 52393 - Proposed Data Collection; Comment Request: New Markets Tax Credit (NMTC) Program-Allocation...

    Science.gov (United States)

    2010-08-25

    ... Proposed Data Collection; Comment Request: New Markets Tax Credit (NMTC) Program--Allocation Application... the New Markets Tax Credit (NMTC) Program--Allocation Application (hereafter, the Application). DATES...: Direct all comments to Rosa Martinez, Acting NMTC Program Manager, Community Development Financial...

  16. The power stability of a fiber amplifier based on a multifunction card and PID control program

    Science.gov (United States)

    Zhang, Linjie; Yang, Wenguang; Zhang, Hao; Zhao, JianMing; Jia, Suotang

    2016-06-01

    The power stability of a fiber amplifier was significantly improved by means of simultaneously controlling the current of a fiber amplifier and the diffraction efficiency of an acousto-optical modulator. The real-time fluctuation of laser power was recorded by a multifunction card and processed by a proportional-integral-derivative (PID) control program. The feedback loop voltage was introduced to the fiber laser amplifier and acoustic-optic modulator through the analog output of the multifunction card. The control method based on a multifunction card and PID program has good scalability, flexibility and reliability for the complex system on the condition in which the frequency and power of the laser need to be precisely stabilized.

  17. 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.

  18. 78 FR 77721 - Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions

    Science.gov (United States)

    2013-12-24

    ... providing basic financial services to their low-income members to stimulate economic activities in their...-income members. It also serves as a source of funding to help low-income designated credit unions (LICUs... Data Universal Numbering System (DUNS) number issued by Dun and Bradstreet (D&B) in order to be...

  19. Teaching Children with Autism Conversational Speech Using a Cue Card/Written Script Program.

    Science.gov (United States)

    Charlop-Christy, Marjorie H.; Kelso, Susan E.

    2003-01-01

    A study assessed the efficacy of a written script/cue card program to teach conversational speech skills to three verbal, literate boys (ages 8-10) with autism. Initially boys demonstrated low frequencies of conversational speech. Following intervention, all three quickly met the training criteria and maintained correct responding without cue…

  20. Notification: Fiscal Year 2016 Risk Assessment of EPA’s Purchase Card and Convenience Check Program

    Science.gov (United States)

    Project #OA-FY16-0229, July 14, 2016. The EPA OIG plans to begin a risk assessment of the EPA’s purchase card and convenience check program with the Office of Acquisition Management (OAM) within the Office of Administration and Resources Management (OARM).

  1. 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...

  2. Measuring Success in Your Fuels Program: From the Report Card to Valuable Learning

    Science.gov (United States)

    Paula Nasiatka; David Christenson

    2006-01-01

    How can a unit learn in everyday fuels programs and from program reviews? How can a unit move from living in the “report card” culture to discovering more effective ways to improve what it knows and how it learns? Six specific tasks are critical to organizational learning according to David A. Garvin of Harvard Business School. By engaging in these tasks a unit can...

  3. A panel discussion on dynamics in the consumer credit counseling service industry

    OpenAIRE

    Peter Burns; Anne Stanley

    2001-01-01

    On July 20, 2001 the Payment Cards Center of the Federal Reserve Bank of Philadelphia sponsored a workshop on the consumer credit counseling service industry. Leading the moderated discussion were four senior executives from regional credit counseling firms associated with the National Foundation for Credit Counseling (NFCC). Jerome Johnson, president and CEO and Ghyll Theurer, program manager represented the Consumer Credit Counseling Service (CCCS) of South Jersey, a program of Family Servi...

  4. 2012 Report Card on the Effectiveness of Teacher Training Programs

    Science.gov (United States)

    Tennessee Higher Education Commission, 2012

    2012-01-01

    The Tennessee General Assembly passed legislation in 2007 requiring that the State Board of Education produce an assessment on the effectiveness of teacher training programs. The law requires that the report include data on the performance of each program's graduates in the following areas: placement and retention rates, Praxis II results, and…

  5. Test program for 4-K memory card, JOLT microprocessor

    Science.gov (United States)

    Lilley, R. W.

    1976-01-01

    A memory test program is described for use with the JOLT microcomputer 4,096-word memory board used in development of an Omega navigation receiver. The program allows a quick test of the memory board by cycling the memory through all possible bit combinations in all words.

  6. Reverse Credit Transfer Policies and Programs: Policy Rationales, Implementation, and Implications

    Science.gov (United States)

    Taylor, Jason L.

    2016-01-01

    In the past several years, reverse credit transfer programs expanded dramatically at the state and regional levels. Policymakers and institutional leaders recognize the potential of reverse credit transfer to contribute to college completion goals and increase the proportion of adults with a postsecondary credential. More importantly, reverse…

  7. The Effect of Reading Proficiency on Student Success in Online Credit Recovery Programs

    Science.gov (United States)

    Palisoc, Randolph P.

    2013-01-01

    This qualitative study applied the theory that reading skills are predictive of high school graduation to examine the impact that reading proficiency has on student success in online credit recovery programs for credit deficient students, many of whom struggle with reading. Since reading proficiency impacts academic achievement in general, this…

  8. 78 FR 23775 - Notice of Proposed Information Collection; Comment Request: Tax Credit Assistance Program (TCAP)

    Science.gov (United States)

    2013-04-22

    ... URBAN DEVELOPMENT Notice of Proposed Information Collection; Comment Request: Tax Credit Assistance... Credit Assistance Program (TCAP). This is a revision of an already approved information collection. HUD... information collection requirement described below has been submitted to the Office of Management and Budget...

  9. The Effects of the Activation of Money and Credit Card vs. that of Activation of Spirituality - Which One Prompts Pro-Social Behaviours?

    Science.gov (United States)

    Wierzbicki, Jakub; Zawadzka, Anna Maria

    2016-01-01

    Pro-social behaviours may be prompted or inhibited depending on the situation. Numerous experiments show that, when exposed to the idea of money, people are less willing to help, devote their time or share their resources with others (Vohs et al. Science, 314, 1154-1156, 2006, Current Directions in Psychological Science, 17(3), 208-212, 2008). Conversely, when exposed to the idea of spirituality, they often cheat less and are more willing to help others (Mazar and Ariely Journal of Marketing Research, 45, 633-644, 2008; Randolph-Seng and Nielsen The International Journal for the Psychology of Religion, 17(4), 303-315, 2007). The aim of this article is to present the results of two experiments in which we activated thoughts about money, i.e. both cash and credit cards, and thoughts about spirituality in order to find out in what way these two kinds of activation may influence pro-social behaviours. In experiment 1, participants, when reminded of money, offered lower donations to others whereas those reminded of spirituality offered higher donations. In experiment 2, those participants reminded of money offered to devote less time to help others whereas those reminded of spirituality offered to devote more time to help others.

  10. The Navy Supply Corps Newsletter. Contracting Innovations: Navy Electronic Commerce Online Navy Afloat Purchase Card Program. Volume 62, No. 3.

    Science.gov (United States)

    1998-06-01

    tf • lovy Electronic Commerce Online m Afloat Purchase Card Program4 % y5.ll ’ ’"’#K5&. ifekj 1IÜN AB iräri.1 . ■■-■ 11...Contracting Innovations NAVSUP Electronic Commerce in Contracting for Beginners 8 The Afloat Purchase Card Program: Decentralizing Purchasing for...there. J- May/June NAVSUP Electronic Commerce in Contracting for Beginners By Matt Nielsen, NECO Project Manager, Naval Supply Systems Command M he

  11. The Influence of Loyalty Program Membership Card and Customer Experience on Customer Loyalty at the Urban Gym Aston Hotel Manado

    OpenAIRE

    Emor, Keizia Laureina

    2016-01-01

    Customer loyalty plays an important role in gaining the company's profit. In order to maintain the customer loyalty, company need to find out some strategies for increase their sales. The strategy to maintain the customer loyalty that set by The Urban Gym Aston Hotel is Loyalty Program Membership Card and provide the best service to their members so the members will get a great experience in there. The objective of this research is to analyze the influence of loyalty program membership card ...

  12. 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...

  13. The Tax-Credit Scholarship Audit: Do Publicly Funded Private School Choice Programs Save Money?

    Science.gov (United States)

    Lueken, Martin F.

    2016-01-01

    This report follows up on previous work that examined the fiscal effects of private school voucher programs. It estimates the total fiscal effects of tax-credit scholarship programs--another type of private school choice program--on state governments, state and local taxpayers, and school districts combined. Based on a range of assumptions, these…

  14. Imaging standards for smart cards

    Science.gov (United States)

    Ellson, Richard N.; Ray, Lawrence A.

    1996-01-01

    'Smart cards' are plastic cards the size of credit cards which contain integrated circuits for the storage of digital information. The applications of these cards for image storage has been growing as card data capacities have moved from tens of bytes to thousands of bytes. This has prompted the recommendation of standards by the X3B10 committee of ANSI for inclusion in ISO standards for card image storage of a variety of image data types including digitized signatures and color portrait images. This paper reviews imaging requirements of the smart card industry, challenges of image storage for small memory devices, card image communications, and the present status of standards. The paper concludes with recommendations for the evolution of smart card image standards towards image formats customized to the image content and more optimized for smart card memory constraints.

  15. Non-Religion-Based State Constitutional Challenges to Educational Voucher and Tax Credit Programs

    Science.gov (United States)

    Green, Preston C., III

    2016-01-01

    This article provides an overview of non-religion-based state constitutional challenges to educational voucher and tax credit/scholarship programs. The first section discusses litigation examining whether education voucher programs violate constitutional provisions requiring the legislature to provide an efficient system of public schools. The…

  16. Managing consumer credit risk

    OpenAIRE

    Peter Burns; Anne Stanley

    2001-01-01

    On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session was led by Jeffrey Bower, senior manager in KPMG Consulting’s financial services practice. Bower discussed "best practices" in the credit risk management field, including credit scoring, loss forecasting, and portfolio management. ; In addition, he provided an overview of developing new meth...

  17. Is a governmental micro-credit program for the poor really pro-poor? Evidence from Vietnam

    NARCIS (Netherlands)

    Nguyen Viet Cuong, N.

    2008-01-01

    It is argued that without collateral the poor often face binding borrowing constraints in the formal credit market. This justifies a micro-credit program, which is operated by the Vietnam Bank for Social Policies to provide the poor with preferential credit. The present paper examines poverty

  18. 76 FR 57940 - CCC Export Credit Guarantee (GSM-102) Program

    Science.gov (United States)

    2011-09-19

    ... protect against waste and fraud. Also since that time, agricultural trade and finance practices have... integrity of the program. In addition, the Food, Conservation, and Energy Act of 2008 repealed the authority...

  19. 76 FR 17842 - Credit Enhancement for Charter School Facilities Program

    Science.gov (United States)

    2011-03-31

    ... program (March 11 NIA). This notice makes two corrections to the March 11 NIA. FOR FURTHER INFORMATION...: Correction On pages 13365, 13366, and 13367 of the March 11 NIA, we indicated that there would be only one.... We are correcting the March 11 NIA to reflect that the Department is offering a second pre...

  20. Effects of expiration of the Federal energy tax credit on the National Photovoltaics Program

    Science.gov (United States)

    Smith, J. L.

    1984-01-01

    Projected 1986 sales are significantly reduced as a direct result of system price increases following from expiration of the Federal energy tax credits. There would be greatly reduced emphasis on domestic electric utility applications. Indirect effects arising from unrealized economies of scale and reduced private investment in PV research and development (R&D) and in production facilities could have a very large cumulative adverse impact on the U.S. PV industry. The industry forecasts as much as fourfold reduction in 1990 sales if tax credits expire, compared with what sales would be with the credits. Because the National Photovoltaics Program is explicitly structured as a government partnership, large changes in the motivation or funding of either partner can affect Program success profoundly. Reduced industry participation implies that such industry tasks as industrialization and new product development would slow or halt. Those research areas receiving heavy R&D support from private PV manufacturers would be adversely affected.

  1. 78 FR 36508 - Notice of Sugar Purchase and Exchange for Re-Export Program Credits; and Notice of Re-Export...

    Science.gov (United States)

    2013-06-18

    ... Commodity Credit Corporation Office of the Secretary Notice of Sugar Purchase and Exchange for Re-Export Program Credits; and Notice of Re-Export Program Time Period Extension AGENCY: Commodity Credit... offered in exchange for Refined Sugar Re-export Program credits. CCC will purchase sugar from domestic...

  2. An application of data mining classification and bi-level programming for optimal credit allocation

    Directory of Open Access Journals (Sweden)

    Seyed Mahdi Sadatrasou

    2015-01-01

    Full Text Available This paper investigates credit allocation policy making and its effect on economic development using bi-level programming. There are two challenging problems in bi-level credit allocation; at the first level government/public related institutes must allocate the credit strategically concerning sustainable development to regions and industrial sectors. At the second level, there are agent banks, which should allocate the credit tactically to individual applicants based on their own profitability and risk using their credit scoring models. There is a conflict of interest between these two stakeholders but the cooperation is inevitable. In this paper, a new bi-level programming formulation of the leader-follower game in association with sustainable development theory in the first level and data mining classifier at the second level is used to mathematically model the problem. The model is applied to a national development fund (NDF as a government related organization and one of its agent banks. A new algorithm called Bi-level Genetic fuzzy apriori Algorithm (BGFAA is introduced to solve the bilateral model. Experimental results are presented and compared with a unilateral policy making scenario by the leader. Findings show that although the objective functions of the leader are worse in the bilateral scenario but agent banks collaboration is attracted and guaranteed.

  3. Credit Building in IDA Programs: Early Findings of a Longitudinal Study

    Science.gov (United States)

    Birkenmaier, Julie; Curley, Jami; Kelly, Patrick

    2012-01-01

    Objective: This article reports on the impact of the Individual Development Account (IDA) program on credit. Method: Using a convenience sample of IDA participants (N = 165), data were analyzed using paired sample "t" tests, independent sample "t" test, one-way analysis of variance, Mann-Whitney "U" Tests, and…

  4. 76 FR 55946 - Comment Request for Information Collection for the Work Opportunity Tax Credit (WOTC) Program...

    Science.gov (United States)

    2011-09-09

    ... Request for Information Collection for the Work Opportunity Tax Credit (WOTC) Program: Extension With Non... with an opportunity to comment on proposed and/or continuing collections of information in accordance..., collection instruments are clearly understood, and the impact of collection requirements on respondents can...

  5. Smart card multiple function badge

    Energy Technology Data Exchange (ETDEWEB)

    Nelson, R.A.

    1993-06-01

    Smart cards are credit card-sized computers with integrated data storage, an operating system to manage the data, and built-in security features that protect the data. They are used to distribute information to remote sites, providing the same or greater reliability, data integrity, and information security than a network system. However, smart cards may provide greater functionality at a lower cost than network systems. The US Department of Energy Hanford Site is developing the smart card to be used as a multiple function identification badge that will service various data management requirements on the Site. This paper discusses smart card technology and the proposed Hanford Site applications.

  6. 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.

  7. Does the Number of College Credits Earned in a Tech Prep and Postsecondary Enrollment Options Program Predict College Success?

    Science.gov (United States)

    Meyer, Bruce A.

    2011-01-01

    The purpose of this study was to examine a Tech Prep Program located in Northwest Ohio and determine the degree to which college credits earned in high school through the Tech Prep and PSEO Programs predict college success and if there were any significant gender/race differences in credits earned and college success as well as high school…

  8. On Common Constitutional Ground: How Georgia's Scholarship Tax Credits Mirror Other State Programs and Expand Educational Opportunity

    Science.gov (United States)

    Carpenter, Dick M., II.; Erickson, Angela C.

    2016-01-01

    In 2008, Georgia launched a tax-credit scholarship program to expand educational opportunities for the state's pre-K through 12th-grade students by providing them scholarships to attend private schools. Georgia's scholarship tax credit program will help over 13,000 children get the best education for their needs at secular and religious private…

  9. Perceived Factors Influencing High School Student Participation in an Integrated Statewide Dual Credit Program: An Examination of Program Success and Student Higher Education Selection Decisions

    Science.gov (United States)

    Touchstone, Allison J. L.

    2010-01-01

    Dual credit programs have become increasingly popular with 71% U.S. public high schools offering dual credit courses in 2002-2003. As this popularity has grown, so have concerns regarding academic rigor, course quality, parity with college courses, and effects on higher education. Determining actual dual credit course equivalent in higher…

  10. [The Purpose of Medical Education: Proposal to Standardize a System of Credits for Medical Specializations Programs].

    Science.gov (United States)

    Cañar, Carlos Andrés Pineda

    2012-01-01

    This article analyzes the concept of an academic credit system and proposes a way to systematize medical specialization programs. The credit system is a way to recognize and standardize the total time that a student must devote to their training. Thus, a credit equal to a certain number of hours of classroom training and independent activities is proposed. An educational program is expressed in the number of credits needed for the whole training process to achieve the competencies expected. A review of the concept of competition in education is also performed. The introduction of the term and its relation to the need to measure performance in future professionals according to labor market needs is identified. A critical discussion about skills defining the different types of skills in the educational field is later discussed. Subsequently, the Colombian regulatory framework is presented concerning the powers, in particular, Decree 1295 of 2010, which defines one academic credit equal to 48 hours in a semester, of which 16 hours are classroom and 32 hours are independent study. A tor of the major milestones in the history of medical education is later made. The structure of credits and contact hours, independent of postgraduate psychiatry in the country is reviewed showing the heterogeneity in their approach. The proposal is presented, defining the types of classroom activities and how to calculate the hours of independent study by type of classroom activity. Copyright © 2012 Asociación Colombiana de Psiquiatría. Publicado por Elsevier España. All rights reserved.

  11. Turning the corner : Canada's credit for early action program[Catalogue no. En84-59/2008

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2008-03-15

    The Credit for Early Action Program will recognize firms that took verified early action to reduce greenhouse gases between 1992 and 2006. The purpose of the program is to address the disadvantage that a firm could incur for having undertaken an incremental action to reduce greenhouse gases before the regulatory regime was detailed. This document was intended to obtain feedback on the proposed Credit for Early Action Program, including eligibility rules and the process for allocating credits. The paper presented the objective of the program, guiding principles, and participants. The guiding principles that were discussed included simplicity and cost-effectiveness; fairness; transparency; and consistency. This document also discussed the characteristics of early action credits, the application process, and program requirements such as eligibility and allocation and issuance of early action credits. Several technical issues regarding quantification of greenhouse gas reductions were introduced, along with evidence and the timing of implementation. 1 fig.

  12. 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...

  13. Defense Logistics Agency Energy Needs to Improve Oversight of the Aviation Into Plane Reimbursement Card Program (REDACTED)

    Science.gov (United States)

    2014-11-07

    Systems Enterprise Server (FES). However, AIR Card transaction data are provided electronically to FES by KHI. Program officials stated that FES...KHI to negotiate, obtain, and pass on fuel discounts or savings, but KHI “shall never act or presume [ sic ] the responsibilities of pricing or...Fuels Automated Systems Enterprise Server KHI Kropp Holdings, Inc. MSC Multi Service Corporation SEA Ship Bunkers Easy Acquisition FOR OFFICIAL USE ONLY FOR OFFICIAL USE ONLY

  14. A Comprehensive Review of Credit Instructional Programs Offered by Pasadena City Colleges, 1981-1982. Volume I. Summary Report.

    Science.gov (United States)

    Carvell Education Managment Planning, Inc., Los Angeles, CA.

    The first part of a report on a comprehensive review of the credit instructional programs offered by Pasadena City College (PCC), this volume provides a description of the evaluation procedures used, and a discussion of general issues that are major considerations for program improvement. Section I introduces the program review in terms of its…

  15. 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.

  16. A Computer Program to Reduce Digitized Yaw-Card Data from Finned Kinetic-Energy Projectiles

    Science.gov (United States)

    1991-12-01

    Witness panels, commonly referred to as yaw cards, are used in ballistic testing to de- termine the pitch (a) and yaw (/3) of a projectile as a function...r(2)).gt..OO1))gotos return 5 xOxO+r(l) yOyO +r (2) goto 6 end 14 *This subroutine solves a system of equations. SUBROUTINE SIMUL(C ,R,N) DOUBLE

  17. Transition to Community College: The Journey of Adult Basic Education English Learners from Non-Credit to Credit Programs

    Science.gov (United States)

    Csepelyi, Tunde

    2012-01-01

    This phenomenological study examined the transition of a group of adult English language learners from an Adult Basic Education program to a community college. The purpose of the study was to gain a deeper understanding of the driving forces of Adult Basic Education English language learners who had successfully transitioned from a non-credit…

  18. 76 FR 67287 - Alternative Fuel Transportation Program; Alternative Fueled Vehicle Credit Program (Subpart F...

    Science.gov (United States)

    2011-10-31

    ... Fuel Transportation Program (AFTP or Program), by including EISA-specified electric drive vehicles and... using key words or the above noted docket number. For more information concerning public participation.... Additional Proposed Revisions III. Key Definitions A. Existing Definitions 1. Alternative Fuel 2. Alternative...

  19. Hydrologic, Social, and Economic Efficacy of Green Infrastructure Credit Programs: Toward Citizen Stormwater Management

    Science.gov (United States)

    Green, O. O.; Kertesz, R.; Rossman, L.; Shuster, W.

    2013-12-01

    Fostering 'citizen stormwater management', whereby citizens make stormwater management a part of their everyday lives, aims to improve the resilience of the urban water social-ecological system by reducing the load on the stormwater collection system through investment in natural and social capitals. A popular method of incentivizing citizen stormwater management is offering stormwater fee discounts as credits for the installation of green infrastructure onsite. Such installations, in effect, reduce the amount of impervious area by disconnecting them from the sewer system. We analyze 4 such programs (Portland OR, Cleveland OH, Fort Myers FL, and Lynchburg VA) which offer discounts to single family residences for installing rain gardens or bioinfiltration features. Findings indicate large variability in the hydrological, social, and economic efficacy of these programs. We assessed hydrologic efficacy using the Environmental Protection Agency's recently released Stormwater Calculator, a user-friendly model based on SWMM. Hydrologic efficacy was most sensitive to level of detail in administrative rules (i.e., specifics pertaining to soil drainage, slope), regional conditions (e.g., precipitation) and local conditions (e.g., soil, percent of impervious area treated). Social efficacy was measured by the accessibility of the programs to average citizens and varied from highly accessible programs, whereby municipalities had sufficient outreach efforts such that average residents could install their own green infrastructure, to programs with no outreach and contradictory rules which would require a professional engineer to navigate the process and install an eligible rain garden. Economic efficiency was largely dependent on the base stormwater fee (i.e., higher baseline bill results in higher discount and thus higher incentive to participate). From the perspective of a homeowner, they may receive a windfall (i.e., % runoff reduced tax' controversies and related litigation

  20. Optical smart card using semipassive communication

    Science.gov (United States)

    Glaser, I.; Green, Shlomo; Dimkov, Ilan

    2006-03-01

    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.

  1. 78 FR 79253 - CCC Export Credit Guarantee (GSM-102) Program and Facility Guarantee Program (FGP)

    Science.gov (United States)

    2013-12-27

    ... on-board bill of lading as a required document. A number of program participants have suggested this... information is contained in the bill of lading and invoice, and another commenter suggested attaching the... that will be taking receipt of the commodities exported under the payment guarantee. CCC will routinely...

  2. The Impact of Credit-Based Transition Programs on Changing the Educational Aspirations of High School Seniors

    Science.gov (United States)

    Howerter, Wendy Lou

    2011-01-01

    This correlational study samples twelfth grade (senior) students in one central Midwest high school and examines their participation in credit-based transition programs and their changes in educational aspirations. Surveys and community college data are used to collect quantitative data to address six research questions. Using Hossler and…

  3. 77 FR 12157 - Disaster Assistance Loan Program; Maximum Term for Disaster Loans to Small Businesses With Credit...

    Science.gov (United States)

    2012-02-29

    ... RIN 3245-AG42 Disaster Assistance Loan Program; Maximum Term for Disaster Loans to Small Businesses... maximum term of an SBA disaster loan to small businesses with credit available elsewhere from three years...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been...

  4. Consumers' use of and satisfaction with store cards

    African Journals Online (AJOL)

    Administrator

    the interest of informed, responsible consumer behav- iour, consumers' use of store cards and their manage- ment of credit .... Stores cards are issued to consumers across the socio economic spectrum. Consumers in lower ...... Smart cards and retailers - who stand to benefit? International Journal of Retail and Distribution ...

  5. 76 FR 53362 - Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs

    Science.gov (United States)

    2011-08-26

    ... impairments may access this number via TTY by calling the Federal Information Relay Service at 800-877-8339... 202-708- 1515 (this is not a toll-free number). Persons with hearing or speech impairments may access... Credit System. In addition, investors in Farm Credit System debt are protected by the assets of the self...

  6. Assessing mandated credit programs: Case study of the Magna Carta in the Philippines

    Directory of Open Access Journals (Sweden)

    Ryan Jacildo

    2016-09-01

    Full Text Available We examine the effects of a mandated credit program to small and medium enterprises in the Philippines (Magna Carta Law using a panel dataset compiled from official data published by the Bangko Sentral ng Pilipinas. The final sample of 109 financial institutions represented over 90% of total finance sector assets in the Philippines. We highlight three important findings. First, although the total lending levels to micro, small, and medium enterprises (MSMEs grew slightly, the percentage shares of loans allocated to MSMEs declined drastically from a peak of 30% of total loans in 2002 to 16.4% in 2010. Second, following the upwards revision of the loan target (from 6% to 8% for smaller firms in 2008, there was a sharp increase in noncompliance especially amongst universal and commercial banks. On the other hand, total loans to medium enterprises were still more than threefold larger than the targeted 2%. Third, there is an increased heterogeneity in optimal loan portfolio across banks. Most surprisingly, the absolute level of MSME lending by rural and cooperative banks declined since 2008. Direct compliance amongst universal and commercial banks decreased beginning in the late 2007, while that of thrift banks increased to almost 100%. Abolishing the Magna Carta targets for medium-sized enterprise loans would most likely yield little adverse effects. Meanwhile, efforts to improve financial access to MSMEs should focus on alternative nondistortionary ways to increase financing supply, such as improving institutional framework for informational availability and development of equity and bond markets for MSMEs.

  7. 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…

  8. 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

  9. Rationalization and Internal Control: Improving Marine Corps Unit-Level Internal Management Controls for the Government-Wide Commercial Purchase Card Program

    National Research Council Canada - National Science Library

    Wood, Lewis

    2003-01-01

    ... Commercial Purchase Card (GCPC) Program for the first half of fiscal year (FY) 2003, led the author of this article to review GCPC usage in the Marine Corps as the basis for a Naval Postgraduate School Master of Business Administration thesis...

  10. Credit Enhancement Overview Guide

    Energy Technology Data Exchange (ETDEWEB)

    Financing Solutions Working Group

    2014-01-01

    Provides considerations for state and local policymakers and energy efficiency program administrators designing and implementing successful credit enhancement strategies for residential and commercial buildings.

  11. Smart Card

    OpenAIRE

    Floarea NASTASE

    2006-01-01

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

  12. Accreditation council for graduate medical education (ACGME annual anesthesiology residency and fellowship program review: a "report card" model for continuous improvement

    Directory of Open Access Journals (Sweden)

    Long Timothy R

    2010-02-01

    Full Text Available Abstract Background The Accreditation Council for Graduate Medical Education (ACGME requires an annual evaluation of all ACGME-accredited residency and fellowship programs to assess program quality. The results of this evaluation must be used to improve the program. This manuscript describes a metric to be used in conducting ACGME-mandated annual program review of ACGME-accredited anesthesiology residencies and fellowships. Methods A variety of metrics to assess anesthesiology residency and fellowship programs are identified by the authors through literature review and considered for use in constructing a program "report card." Results Metrics used to assess program quality include success in achieving American Board of Anesthesiology (ABA certification, performance on the annual ABA/American Society of Anesthesiology In-Training Examination, performance on mock oral ABA certification examinations, trainee scholarly activities (publications and presentations, accreditation site visit and internal review results, ACGME and alumni survey results, National Resident Matching Program (NRMP results, exit interview feedback, diversity data and extensive program/rotation/faculty/curriculum evaluations by trainees and faculty. The results are used to construct a "report card" that provides a high-level review of program performance and can be used in a continuous quality improvement process. Conclusions An annual program review is required to assess all ACGME-accredited residency and fellowship programs to monitor and improve program quality. We describe an annual review process based on metrics that can be used to focus attention on areas for improvement and track program performance year-to-year. A "report card" format is described as a high-level tool to track educational outcomes.

  13. The Credit/Non-Credit Divide: Breaking Down the Wall

    Science.gov (United States)

    Fouts, Susan; Mallory, Judy

    2010-01-01

    Programs awarding academic credit and programs awarding continuing education credit coexist on university campuses but often do not communicate or collaborate. This article explores the components of a successful program that reaches across the credit-noncredit divide to engage and serve the community. While most theoretical models are based on a…

  14. 75 FR 55392 - Employment Network Report Card

    Science.gov (United States)

    2010-09-10

    ... ADMINISTRATION Employment Network Report Card AGENCY: Social Security Administration (SSA). ACTION: Notice of... Report Card. SUMMARY: We are soliciting the views of the public, beneficiaries, advocates, Employment... program. We plan to accomplish this goal by combining a user-friendly EN Report Card, which contains...

  15. 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.

  16. 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…

  17. Smart Card Driving License System in Gujarat

    OpenAIRE

    Deepak Kumar

    2005-01-01

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

  18. Credit Lines and Credit Utilization

    OpenAIRE

    Agarwal, Sumit; Ambrose, Brent W.; Liu, Chunlin

    2006-01-01

    While much is known about the characteristics of consumers or businesses that obtain credit lines, relatively little is known empirically about credit line utilization after origination. This study fills that gap by testing two interrelated hypotheses concerning borrower credit quality and credit line utilization. The empirical analysis confirms that borrowers with higher expectations of future credit quality deterioration originate credit lines to preserve financial flexibility. Furthermore,...

  19. 40 CFR 86.1866-12 - CO2 fleet average credit programs.

    Science.gov (United States)

    2010-07-01

    ... the quantity of credits for passenger automobiles and light trucks must be made, but only one test... Procedure or the Highway Fuel Economy Test. With prior EPA approval, manufacturers may optionally generate... Fuel Economy Test. The technology must improve CO 2 emissions beyond the driving conditions of those...

  20. 40 CFR 86.1867-12 - Optional early CO2 credit programs.

    Science.gov (United States)

    2010-07-01

    ... determined by dividing 8887 by the manufacturer-specific passenger automobile fuel economy standard for the... model year and separately for passenger automobiles and light trucks, all test results and data required...-Duty Trucks, and Complete Otto-Cycle Heavy-Duty Vehicles § 86.1867-12 Optional early CO2 credit...

  1. 26 CFR 1.25-4T - Qualified mortgage credit certificate program (Temporary).

    Science.gov (United States)

    2010-04-01

    ... cause for the failure to file such report in a timely fashion. The report may be filed at any time... INCOME TAX INCOME TAXES Changes in Rates During A Taxable Year § 1.25-4T Qualified mortgage credit... issuer elects, in the time and manner specified in this paragraph, not to issue an amount of qualified...

  2. [The control of babies' dental visits through the vaccines card: evaluating a pilot program developed at the Family Health Strategy at Ponta Grossa (PR, Brazil)].

    Science.gov (United States)

    Stocco, Geraldo; Baldani, Marcia Helena

    2011-04-01

    This study evaluated a concept-program developed in the area of a Family Health Unity, which monitored, for two years, the returns of infant children to regular attendance by the dentist, through their vaccines cards. A cross-sectional study was conducted, involving a convenience sample of 123 children aged 12 to 36 months, residents in the area. Data were collected during a campaign of immunization, in 2007, through a questionnaire answered by parents, vaccines cards checking, and clinical examination of children. The results showed that 81% of the examined children were registered in the FHU for dental care; from them, 95% had entered before reaching one year of life, having vaccines cards registration. It was also found that 50% of the children had visited the dentist more than once per year of life and 58% of them returned for dental appointments in the year before the survey. The prevalence of dental caries was lower in this group of children (17%), than in the group without frequent returns, or the one not registered in the FHU (26%). It was concluded that the vaccines card can be a useful tool for tracking the frequency of babies to dentist.

  3. Classification and Prioritization of Strategic Plans in Balanced Score Card (BSC Model by Fuzzy Quality Function Deployment and Zero-One Goal Programming (ZOGP

    Directory of Open Access Journals (Sweden)

    mehdi pourmostafa

    2012-02-01

    Full Text Available Due to continuous changes in organizational environment, there is no warranty for long term survival in the market. Currently, those organizations can succeed that are agile and able to rapidly respond to environmental requirements. In this research a model has been proposed for applying proper strategies for achieving long term organizational success. The proposed model is an integration of Balanced Score Card (BSC approach, Fuzzy Quality Function Development (FQFD and Zero-One Goal Programming (ZOGP. In fact by BSC, appropriate strategic plans can be designed and prioritized by FQFD. Then, based on multiple objectives and existing problem constraints, feasible strategic plans are identified by ZOGP. Findings imply that decision making techniques can be well utilized in designing BSC through a structured methodology make improvement in all aspects and have a positive influence on organization's performance in long term .   Keywords : B alanced Score Card , Fuzzy Quality Function Development, Zero-One Goal Programming, Strategic plans

  4. 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

  5. Railway services using contactless smart cards. Hisesshoku IC card wo mochiita tetsudo service

    Energy Technology Data Exchange (ETDEWEB)

    Miki, S. (East Japan Railway Co., Tokyo (Japan))

    1993-07-10

    This paper discusses a role of contactless IC (integrated circuit) cards (smart cards) in the railway services. Tickets for taking trains and reserving seats have function as contract and function of guidance. In this paper, smart cards are recognized as tickets with contract function and guidance function. The guidance function includes static guidance, dynamic guidance, cab information service, guidance of personal information, and interactive guidance. The development status of contactless smart cards is described. The development examples of contactless smart cards are illustrated for bus traffics in Helsinki, subways in London, and Japan's railways. As contactless ticket system, are described the prepaid system, which is based upon the current institution, and the deferred payment system, which imagines credit tickets. Furthermore, problems of contactless smart cards are extracted, as for price, indication, standardization, and security. 6 refs., 4 figs., 1 tab.

  6. Smart Card Payment metering gas and electricity

    Energy Technology Data Exchange (ETDEWEB)

    Lee, D.L. [Landis and Gyr (United Kingdom) Ltd., Telford, (United Kingdom); Kriby, R. [Midlands Electricity plc, Kingswinford, (United Kingdom)

    1995-12-31

    Utilities, both gas and electricity, require and operate a variety of regular payment facilities. The range used by any particular utility is primarily a result of history and usually reflects the maturity of customer car and/or regulatory policies. This paper outlines the use of smart card metering, not to be confused with pre-payment metering, which establishes an enhanced level of service to both the customer and utility through the implementation of a simple 2 way communication system. The infrastructure of the smart card system is similar to that used for a token based system, with the smart card used to replace the token for credit transfer to the meter. It involves the use of a customer card which is credited from a Point of Sale (POS), along with the latest tariff details and any messages specific for that customer. These in turn are transferred to the meter when the card is inserted. The current meter readings, readings taken at a particular time and date, and meter status messages are written back to the card for transfer to the POS when credit is next purchased. In the future this infrastructure will be needed irrespective of advances in metering technology, and the Smart card is a secure and convenient way of ensuring correct customer identification and integrity of data. Possibilities are envisaged to extend the use of the system into other payment areas as well as being able to support innovative payment methods in the future. The response from customers, regulatory and welfare bodies, and the staff of the utility is extremely positive and the future of payment systems is considered to be secure in smart card technology. (author).

  7. 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

  8. 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…

  9. 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.

  10. 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...

  11. U.S. Department of Agriculture: Resolution of Discrimination Complaints Involving Farm Credit and Payment Programs

    National Research Council Canada - National Science Library

    2001-01-01

    .... These issues came to a head in 1997 when a group of African-American farmers consolidated their claims of racial discrimination in farm lending and benefit programs into one class action suit against USDA Pigford v. Glickman...

  12. 75 FR 75693 - Tax Credit Assistance Program-Reallocation of Funds

    Science.gov (United States)

    2010-12-06

    ... be found at the HUD Web site at http://portal.hud.gov/portal/page/portal/HUD/recovery/programs/tax... announces the availability on its Web site of the application information, submission deadlines, funding...

  13. 76 FR 13365 - Credit Enhancement for Charter School Facilities Program; Office of Innovation and Improvement...

    Science.gov (United States)

    2011-03-11

    ... inch). Use one of the following fonts: Times New Roman, Courier, Courier New, or Arial. Furthermore... civil rights laws that prohibit discrimination in programs or activities receiving Federal financial...

  14. Evaluation of Ammunition Data Cards (REDACTED)

    Science.gov (United States)

    2016-04-29

    the ammunition data card approval process. Train Joint Munitions Command onsite Government representatives on MIL‑STD‑1168C requirements. Commanding...the ammunition data cards comply with MIL‑STD‑1168, the Ammunition‑Data Repository Program User Manual, and contractual requirements. 7. Train DCMA...onsite Government representatives to improve oversight of the ammunition data card approval process. Train DCMA onsite Government representatives on

  15. Sources of Stress among College Students--The Case of a Credit Transfer Program

    Science.gov (United States)

    Ong, Bessie; Cheong, K. C.

    2009-01-01

    This exploratory study intends to identify the types and nature of stressor experienced by students in an American Degree Transfer Program at a private university college in Malaysia. Data collection was done by an open-ended questionnaire. The findings showed that the top five most frequently reported stressors were academic workload, too many…

  16. Recreation Hard Skills Courses for Credit: A Collaborative Effort between the Academic Department and the Outings Program.

    Science.gov (United States)

    Calvin, David M.; Stuessy, Thomas L.; Poff, Raymond A.

    At Indiana University, the Department of Recreation and Park Administration and Indiana University Outdoor Adventures (IUOA) work together to offer university students for-credit courses in recreation skills. Since 1997, graduate students trained and directed by IUOA have taught 1-credit courses in specific outdoor skills, based on nationally…

  17. 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...

  18. 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...

  19. 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.

  20. 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

  1. Improving Institutional Report Card Indicators

    Science.gov (United States)

    McGowan, Veronica

    2016-01-01

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

  2. 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.

  3. 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.

  4. Teaching children how to program using Raspberry Pi

    OpenAIRE

    Lužnik Žnidaršič, Eva

    2015-01-01

    Raspberry Pi is a lightweight and inexpensive computer the size of a credit card. It is an excellent tool for encouraging computer curiosity in children and teaching them to program. We have created educational activities using Raspberry Pi aimed for learning the basics of programming for children aged between 8 and 13. We used the programming language and environment ScratchGPIO that is based on the programming language and environment Scratch created for teaching programming to elementary s...

  5. Smart card technology

    Energy Technology Data Exchange (ETDEWEB)

    Nelson, R.A.

    1992-09-01

    This report describes smart card techonology and applications, including the use of smart cards as smart badges. The paper illustrates that smart cards are designed with security features, which makes them suitable for security applications. But smart cards also provide multiple functions, so they can support additional applications. The goal of this paper is to inform about the technology, and to inspire thought about possible applications that would benefit if a smart badge were implemented.

  6. 26 CFR 1.381(c)(24)-1 - Work incentive program credit carryovers in certain corporate acquisitions.

    Science.gov (United States)

    2010-04-01

    ... shall be made under the principles of § 1.381(c)(23)-1 (relating to the computation of carryovers and carrybacks of unused investment credits), except that the provisions of paragraph (c)(4) and paragraph (e)(6...

  7. Assistance with Obtaining a Replacement Card Form

    Science.gov (United States)

    Form to be submitted to Section 608 Technician Certification Program Manager if a technician wants to replace a certification card, and the record of the original certification is in the data submitted by companies that have gone out of business.

  8. 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.

  9. On Developing HyperCard Stacks for the Study of Chinese Characters: KanjiCard.

    Science.gov (United States)

    Nakajima, Kazuko

    1988-01-01

    Describes "KanjiCard," an interactive self-tutorial program for beginning students of Japanese to learn Kanji, Chinese characters used in the Japanese language. The Macintosh-developed approach uses "HyperCard" technology, computer-assisted animation, and voice digitizing to achieve enhanced graphic presentation. (Author/CB)

  10. 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

  11. 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...

  12. 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...

  13. 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...

  14. 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.

  15. Implementing the Payment Card Industry (PCI Data Security Standard (DSS

    Directory of Open Access Journals (Sweden)

    John O' Raw

    2011-08-01

    Full Text Available Underpinned by the rise in online criminality, the payment card industry (PCI data security standards (DSS were introduced which outlines a subset of the core principals and requirements that must be followed, including precautions relating to the software that processes credit card data. The necessity to implement these requirements in existing software applications can present software owners and developers with a range of issues. We present here a generic solution to the sensitive issue of PCI compliance where aspect orientated programming (AOP can be applied to meet the requirement of masking the primary account number (PAN. Our architecture allows a definite amount of code to be added which intercepts all the methods specified in the aspect, regardless of future additions to the system thus reducing the amount of work required to the maintain aspect. We believe that the concepts here will provide an insight into how to approach the PCI requirements to undertake the task. The software artefact should also serve as a guide to developers attempting to implement new applications, where security and design are fundamental elements that should be considered through each phase of the software development lifecycle and not as an afterthought.

  16. 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.

  17. Automatic Identification Technology (AIT): The Development of Functional Capability and Card Application Matrices

    Science.gov (United States)

    1994-09-01

    using integrated circuit cards as financial transaction cards. [GEMPLUS] Smart card use is expected to be a key element in the truly cashless society ...83 2. Educational Service/Training/Job Placement .......................... 83 3. Pay Telephone ( Cashless Telephone Card...program for other states to use when implementing education and employment-related services. [WON9 1. pp. 9-11] 3. Pay Telephone ( Cashless Telephone Card

  18. The Future of Smart Cards.

    Science.gov (United States)

    Fickes, Michael

    2000-01-01

    Discusses the evolution of smart cards from digital signatures and other innovations into the realm of magnetic-stripe cards to expand their applications. Examples of magnetic-strip smart card usage are examined. (GR)

  19. 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.

  20. 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...

  1. 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...

  2. NOC rate card catalog

    OpenAIRE

    2014-01-01

    The Salt Lake 2002 rate card is a detailed list of products and services available for rent by National Olympic Committees (NOCs) during the Salt Lake 2002 Olympic Winter Games. The rental process, explained in this document, includes ordering, invoicing, payment, procurement, delivery, installation, commissioning, on-site maintenance and service, collection and removal of rate card products.

  3. 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

  4. Method card design dimensions

    DEFF Research Database (Denmark)

    Wölfel, Christiane; Merritt, T.

    2013-01-01

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

  5. 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...

  6. State Electricity Regulatory Policy and Distributed Resources: Distributed Resource Distribution Credit Pilot Programs--Revealing the Value to Consumers and Vendors

    Energy Technology Data Exchange (ETDEWEB)

    Moskovitz, D.; Harrington, C.; Shirley, W.; Cowart, R.; Sedano, R.; Weston, F.

    2002-10-01

    Designing and implementing credit-based pilot programs for distributed resources distribution is a low-cost, low-risk opportunity to find out how these resources can help defer or avoid costly electric power system (utility grid) distribution upgrades. This report describes implementation options for deaveraged distribution credits and distributed resource development zones. Developing workable programs implementing these policies can dramatically increase the deployment of distributed resources in ways that benefit distributed resource vendors, users, and distribution utilities. This report is one in the State Electricity Regulatory Policy and Distributed Resources series developed under contract to NREL (see Annual Technical Status Report of the Regulatory Assistance Project: September 2000-September 2001, NREL/SR-560-32733). Other titles in this series are: (1) Accommodating Distributed Resources in Wholesale Markets, NREL/SR-560-32497; (2) Distributed Resources and Electric System Re liability, NREL/SR-560-32498; (3) Distribution System Cost Methodologies for Distributed Generation, NREL/SR-560-32500; (4) Distribution System Cost Methodologies for Distributed Generation Appendices, NREL/SR-560-32501.

  7. 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.

  8. Vibration Damping Circuit Card Assembly

    Science.gov (United States)

    Hunt, Ronald Allen (Inventor)

    2016-01-01

    A vibration damping circuit card assembly includes a populated circuit card having a mass M. A closed metal container is coupled to a surface of the populated circuit card at approximately a geometric center of the populated circuit card. Tungsten balls fill approximately 90% of the metal container with a collective mass of the tungsten balls being approximately (0.07) M.

  9. Hydrogen gas detector card

    Directory of Open Access Journals (Sweden)

    Francisco Sánchez Niño

    2016-04-01

    Full Text Available A small card used for detecting hydrogen gas in a crystal growth system by the liquid phase epitaxy technique was designed and built. The small size of the card enables its portability to other laboratories where leakage detection of hydrogen or other flammable gas is required. Card dimensions are approximately 10 cm long and 5 cm wide enabling easy transportation. The design is based on a microcontroller which reads the signal from the hydrogen sensor and internally compares the read value with preset values. Depending on the signal voltage a red, yellow or green LED will light to indicate the levels of concentration of the flammable gas. The card is powered by a 9 V battery.

  10. Transportation credit mortgages, spatial sorting, and housing supply : who benefits?

    Science.gov (United States)

    2007-01-01

    Transportation credit mortgage (TCM) programs are intended to reduce auto use, decrease sprawl, and increase housing options for low- and moderate-income households. The centerpiece of such programs is a credit to income for expected savings on auto ...

  11. Small business credit scoring and credit availability

    OpenAIRE

    Berger, Allen N.; Frame, W. Scott; Berger, Allen N.; Frame, W. Scott

    2005-01-01

    U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

  12. Smart tools for Java Card

    OpenAIRE

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

    2000-01-01

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

  13. Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report.

    Science.gov (United States)

    Pathak, Arohi; Keenan, Nancy

    In 1999, Illinois enacted a tuition tax credit program. Tax credit supporters suggest tax credits help low-income students. However, opponents argue that they disproportionately benefit higher-income families whose children are already attending private schools and may decrease already limited resources available to public schools. New data from…

  14. Precautionary Borrowing and the Credit Card Debt Puzzle

    DEFF Research Database (Denmark)

    Druedahl, Jeppe; Jørgensen, Casper Nordal

    2015-01-01

    demand immediate repayment of the outstanding balance. Hereby, current debt can potentially soften a household’s borrowing constraint in future periods and thus provides extra liquidity. We show that for some in- termediate values of financial net worth it is indeed optimal for households...

  15. 76 FR 76628 - Disclosure of Certain Credit Card Complaint Data

    Science.gov (United States)

    2011-12-08

    ... proposed Policy Statement does not address complaint data about any other consumer financial product or... roll out parallel systems for other consumer financial products and services. \\1\\ ``Whistleblower... transactions'' and that ``markets for consumer financial products operate transparently and efficiently.'' 12 U...

  16. 77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

    Science.gov (United States)

    2012-06-22

    ... narrative fields, subject to certain privacy protections. The two privacy groups that joined the AFR... Bureau to present an annual report to Congress that includes information and analysis of complaint... the collection and reporting of other information--including narrative information from consumers--is...

  17. The EuCARD2 Future Magnets Program for Particle Accelerator High-Field Dipoles : Review of Results and Next Steps

    NARCIS (Netherlands)

    Rossi, Lucio; Badel, Arnaud; Bajas, Hugues; Bajko, Marta; Ballarino, Amalia; Barth, Christian; Betz, Ulrich; Bottura, Luca; Broggi, Francesco; Chiuchiolo, Antonella; Dhalle, Marc; Durante, Maria; Fazilleau, Philippe; Fleiter, Jerome; Gao, Peng; Goldacker, Wilfried; Kario, Anna; Kirby, Glyn; Haro, E.; Himbele, J.; Lorin, C.; Murtomaki, J.; Van Nugteren, Jeroen; Petrone, Carlo; De Rijk, Gijs; Ruuskanen, J.; Senatore, Carmine; Statera, Marco; Stenvall, Antti; Tixador, Pascal; Yang, Yifeng; Usoskin, Alexander; Zangenberg, Nikolaj

    The EuCARD2 collaboration aims at the development of a 10 kA-class superconducting, high current density cable suitable for accelerator magnets, to be tested in small coils and magnets capable to deliver 3-5 T when energized in stand-alone mode, and 15-18 T when inserted in a 12-13 T background

  18. Controlling Non-additional Credits from Nutrient Management in Water Quality Trading Programs Through Eligibility Baseline Stringency

    OpenAIRE

    Savage, Jeffrey; Ribaudo, Marc

    2014-01-01

    A concern for any program that offers payment for environmental services is that those services be additional. Non-additional services are those that would have been provided without the payment. One source of non-additionality is farmer misrepresentation of their pre-program management. Farm management practices are often difficult to observe, particularly those that do not involve structural changes, such as nutrient management. If practices are difficult to observe, management oversight la...

  19. Refundable Tax Credits

    OpenAIRE

    Congressional Budget Office

    2013-01-01

    In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.

  20. NCA & Credit Guarantees

    African Journals Online (AJOL)

    stooppn

    with the aim of resolving the problem of over-indebtedness and preventing reckless credit lending. In terms of section 81(2) of the National Credit Act a credit provider may not enter into a credit agreement with a consumer without first taking reasonable steps to assess the consumer's debt re- payment history, existing ...

  1. A summary of the conference on consumer transactions and credit

    OpenAIRE

    anonymous

    2001-01-01

    In March of this year, the Federal Reserve Bank of Philadelphia and the Wharton School of the University of Pennsylvania, in association with the Journal of Financial Intermediation, sponsored a conference on research issues involving consumer transactions and credit. This article offers a summary of the papers presented at the conference. ; Also issued as Payment Cards Center Discussion Paper No 01-05

  2. 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...... 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....

  3. Money and Costly Credit

    OpenAIRE

    Dong, Mei

    2009-01-01

    I study an economy in which money and credit coexist as means of payment and the settlement of credit requires money. The model extends recent developments in microfounded monetary theory to address the choice of payment methods and the effects of inflation. Whether a buyer uses money or credit depends on the fixed cost of credit and the inflation rate. In particular, inflation not only makes money less valuable, but also makes credit more expensive because of delayed settlement. Based on qua...

  4. 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.

  5. 12 CFR 220.124 - Installment sale of tax-shelter programs as “arranging” for credit.

    Science.gov (United States)

    2010-01-01

    ... partnership. In the case of the programs under consideration, the investor would commit himself to purchase and the partnership would commit itself to sell the interests. The investor would be entitled to the...) does not permit any loan value to be given securities that are not registered on a national securities...

  6. 16 CFR Appendix to Part 600 - Commentary on the Fair Credit Reporting Act

    Science.gov (United States)

    2010-01-01

    ... Commission welcomes input from interested industry and consumer groups and other public parties on the... inclusion in future editions of the Commentary without making any formal submission or request to that... extension of credit directly or indirectly by the issuer of a credit card or similar device;”—(1) General...

  7. Financial Credit Outcomes of IDA Participation: Longitudinal Findings

    Directory of Open Access Journals (Sweden)

    Julie Birkenmaeier

    2014-12-01

    Full Text Available Financially vulnerable families often struggle with low credit scores. Thus, improved participant credit is often a goal of asset development programs, such as the Individual Development Account (IDA program, but little is known about the long-term credit outcomes of participation. This article reports the final results of a three-year longitudinal exploratory study of credit outcomes for IDA participants. Using a convenience sample of IDA participants and non-participants (N = 164, data were analyzed using nonparametric and Chi-square for independence tests. Results indicate that participant credit scores improvements are achieved and maintained. Credit score is not a meaningful indicator of program completion, time to completion, or type of asset purchased for participants. Those who completed the IDA program within two years experienced the highest credit gains. Future research with larger samples is needed to further assess the impact of credit scores on program participation and completion.

  8. 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.

  9. Relationship of credit attitude and debt to self-esteem and locus of control in college-age consumers.

    Science.gov (United States)

    Pinto, Mary Beth; Mansfield, Phylis M; Parente, Diane H

    2004-06-01

    College-age consumers are one of the groups most highly targeted by credit card marketers. While some college students use their credit cards wisely, others are unable to control their spending. The objective of this study was to investigate differences in attitude toward credit cards and the psychological factors of self-esteem and locus of control among college students who possess one or more credit cards. Attitude was operationalized to include three underlying components: cognitive, affective, and behavioral. We separated credit users into subcategories based on amount of installment debt. Convenience users were defined as those consumers who paid the credit-card balance in full each month. Installment users were classified as consumers who carried a balance month-to-month. Convenience users were compared to mild and heavy installment users to assess significance of differences in attitudinal and psychological factors. There were no significant differences in the psychological factors across the credit-card user groups. In addition, there was a statistically significant difference on each of the attitude components (knowledge/beliefs, affect, and behavior) across user groups; convenience users, mild installment, and heavy installment users.

  10. 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."

  11. 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.

  12. 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.

  13. ED Strengthens Credit Management and Debt Collection.

    Science.gov (United States)

    Olmo, Ralph J.

    1982-01-01

    This interview with the comptroller for the U.S. Department of Education focuses on efforts to improve credit management and debt collection. Topics discussed are the credit management initiative, the extent of the problem, improvements, the Housing and Facilities Loan Program, and the significance of the Debt Collection Act of 1982. (JOW)

  14. PROSEDUR PERMOHONAN SHAR-E CARD PADABANK MUAMALAT

    Directory of Open Access Journals (Sweden)

    Aprilianti Aprilianti

    2015-11-01

    Full Text Available After the economic crisis that followed the liquidation of some national private banks in 1997 gave rise to alternative thinking and measures to develop banking activity based on Islamic principles. Islamic principles reflected in the pattern of bamk operating in accordance with Islamic principles, especially regarding the procedures for bermuamalah in Islam. Shar-E Card is one type of credit card services by a bank Muamalat where the balance is outstanding amounts dengam mudaraba principle that no restriction for banks to use the funds raised, bamk shall memberitahukam to the owner of the funds of the ratios and procedures for the provision of benefits and or the calculation of benefit sharing as well as risks that may arise from the storage of funds. Keywords: Shar-E Card, Bank Muamalat

  15. 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...

  16. 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...

  17. 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...

  18. Consumer credit contracts

    Directory of Open Access Journals (Sweden)

    Gheorghe, C. A.

    2012-01-01

    Full Text Available In compliance with European Directives, Romanian authorities have established some principles for consumer credit, minimum standards for authorizing, regulating and monitoring credit institutions. These measures were required by the increase in imports due to consumer credit, while the national bank tempered this increase. Therefore, banks, together with the big shops, perfect their techniques to attract customers.

  19. 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.

  20. An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model

    Directory of Open Access Journals (Sweden)

    Mohammad HAMAD

    2013-11-01

    Full Text Available The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia, as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA, the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future.

  1. 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.

  2. Japanese Tarot Cards

    Directory of Open Access Journals (Sweden)

    Laura Miller

    2017-04-01

    Full Text Available This essay looks at selected images from tarot decks designed in Japan. Tarot decks reflect a deliberate adaptation process across both cultural and temporal borders, with visual components created and customized for a Japanese viewer. My aim is to consider the nature of these changes in imagery and to focus attention on an under-analyzed and mostly female-gendered domain. In particular, I look at the way the medieval European people and elements originally found on the cards are replaced with images from the world of Japanese art, history, and popular culture. These substitutions either gloss over the gaps between Western and Japanese world views or meld them into a new form, allowing the tarot entry into a different or hybrid metaphysical culture. Attention to tarot cards is important because of their great economic and cultural impact in contemporary Japan. A widespread love of tarot in Japan provides insight into domains of pleasure, spiritual exploration, and fandom.

  3. Proxy Smart Card Systems

    OpenAIRE

    Cattaneo, Giuseppe; Faruolo, Pompeo; Palazzo, Vincenzo; Visconti, Ivan

    2010-01-01

    International audience; The established legal value of digital signatures and the growing availability of identity-based digital services are progressively extending the use of smart cards to all citizens, opening new challenging scenarios. Among them, motivated by concrete applications, secure and practical delegation of digital signatures is becoming more and more critical. Unfortunately, secure delegation systems proposed so far (e.g., proxy signatures) include various drawbacks for any pr...

  4. 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...

  5. SISTEM TERPADU REKAM MEDIK RUMAH SAKIT DENGAN SMART CARD

    Directory of Open Access Journals (Sweden)

    _ Sukamto

    2012-01-01

    Full Text Available Dalam penelitian ini, system terpadu rekam medik rumah sakit dibuat dengan teknologi smart card sebagai media penimpanan data Tujuan dari penelitian ini adalah menerapkan teknologi smart card sebagai sarana atau media penyimpan informasi pasien yang mempunyai kesederhana, keandalan, dan portabilitas yang tinggi, sehingga meningkatkan jaminan ketersediaan data pada sebuah sistem rekam medik.Tahapan pembuatan rancang bangun sistem rekam medis ini meliputi perancangan data flow diagram, rentity relationshipp diagram, database dan program aplikasi. Hasil dari penelitian ini menunjukan bahwa smart card dapat digunakan sebagai sarana atau media penyimpan informasi pasien yang mempunyai kesederhana, keandalan, dan portabilitas yang tinggi.

  6. 7 CFR 1779.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

  7. 7 CFR 1980.308 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

  8. 10 CFR 490.703 - Biodiesel fuel use credit allocation.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 3 2010-01-01 2010-01-01 false Biodiesel fuel use credit allocation. 490.703 Section 490.703 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Biodiesel Fuel Use Credit § 490.703 Biodiesel fuel use credit allocation. (a) DOE shall allocate to a fleet or...

  9. 7 CFR 762.103 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Full faith and credit. 762.103 Section 762.103... AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.103 Full faith and credit. (a) Fraud and misrepresentation. The loan guarantee constitutes an obligation supported by the full faith and credit of the United...

  10. 7 CFR 3575.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

  11. Probabilities in the Card Game of Three Cards

    Indian Academy of Sciences (India)

    Home; Journals; Resonance – Journal of Science Education; Volume 9; Issue 3. Probabilities in the Card Game of Three Cards. A W Joshi M W Joshi. Classroom Volume 9 Issue 3 March 2004 pp 76-77. Fulltext. Click here to view fulltext PDF. Permanent link: http://www.ias.ac.in/article/fulltext/reso/009/03/0076-0077 ...

  12. 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.

  13. Misplaying the Angles: A Closer Look at the Illinois Tuition Tax Credit Law.

    Science.gov (United States)

    Pathak, Arohi; Wessely, Mike; Mincberg, Elliot

    In 1999, Illinois enacted its tuition tax credit law, which offers tax credits to taxpayers whose own children are attending school, as opposed to tax credits to businesses and/or individuals who contribute to tuition scholarship programs. Recent data suggest that the Illinois tax credit program is benefiting middle- and upper-class families more…

  14. 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.

  15. Agricultural Nutrient Nonpoint Source Credits: A Comparison of State Crediting Procedures

    OpenAIRE

    Latane, Annah; Stephenson, Kurt

    2011-01-01

    This paper compares agricultural nonpoint source crediting procedures between the Pennsylvania and Virginia nutrient trading programs. Differences in farm-level credit production across states will be evaluated for agricultural operations, holding nutrient reduction technologies constant. The implications for the agricultural sector and water quality are discussed.

  16. 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…

  17. 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

  18. 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.

  19. PREL Pacific Region Language Cards.

    Science.gov (United States)

    Pacific Region Educational Lab., Honolulu, HI.

    This collection of 10 cue cards presents English translations of common English words and expressions into 10 Pacific Region languages: Palauan, Samoan, Chamorro, Hawaiian, Carolinian, Chuukese, Pohnpeian, Marshallese, Yapese, and Kosraean. The cards translate the following: hello, good morning, good afternoon, good night, thank you, you're…

  20. Current directions in smart cards

    NARCIS (Netherlands)

    Domingo-Ferrer, Josep; Hartel, Pieter H.

    Smart cards are portable computing devices which are leaving their past role as mere key repositories to become full-fledged computers. This transition has been made possible by recent developments in smart card technology, regarding both hardware and software. This special issue covers some of

  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. Cracking the Credit Hour

    Science.gov (United States)

    Laitinen, Amy

    2012-01-01

    The basic currency of higher education--the credit hour--represents the root of many problems plaguing America's higher education system: the practice of measuring time rather than learning. "Cracking the Credit Hour" traces the history of this time-based unit, from the days of Andrew Carnegie to recent federal efforts to define a credit…

  3. 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...

  4. Micro Credit and Gender: A Critical Assessment

    Directory of Open Access Journals (Sweden)

    Özlem BALKIZ

    2015-12-01

    Full Text Available Micro credit programs, which are based on lending money on interest and encouraging savings, have been first been used in Southern countries and are now being implemented worldwide. Mainly aimed at the rural poor, particularly poor women, micro credit programs seek to ensure sustainable economic development in line with the requirements of global capitalism and to include women in the productive activities of the market. Micro credit has been made institutionalized based on three main paradigms, namely financial sustainability, poverty alleviation and women’s empowerment. In micro credit programs, where the emphasis on women’s empowerment is strong, the lack of a social gender perspective is striking. In fact, women may face patriarchal pressure and restrictions at the start in access to loans, loan usage models, participation to the productive activities in the market and during loan repayment. Thus the allegation that by way of micro credit, women will be empowered in terms of economic, social and political means in the family and society becomes questionable. This article, by problematizing women’s relationship with micro credit, will discuss social gender relationships which prevent them from making use of these programs as they wish and from achieving the results they intend

  5. 12 CFR 222.91 - Duties of card issuers regarding changes of address.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Duties of card issuers regarding changes of address. 222.91 Section 222.91 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Identity Theft Red Flags § 222.91...

  6. Attitudes towards credit and finances among college students in China and the United States.

    Science.gov (United States)

    Norvilitis, Jill M; Mao, Yingmei

    2013-01-01

    Although there is growing concern about the issue of credit card debt among college students in China, little research has examined attitudes to money and debt among that group. The present study compared financial self-confidence, perceived financial wellbeing, attitudes to debt, and parent education about money and debt in 410 college students from the US and China. Although college students in China reported fewer credit cards and less debt, they also reported lower levels of financial self-confidence and financial wellbeing. In both cultures, delay of gratification and parental education predicted both self-confidence and financial wellbeing.

  7. Revising the Depreciation and Investment Credit Lessons for Farm Management and Supervised Occupational Experience for Use in Missouri Programs of Vocational Agriculture. Final Report.

    Science.gov (United States)

    Rohrbach, Norman; And Others

    This project developed four lessons that reflect the 1981 tax laws as they relate to the use of investment credit and depreciation in farm accounting systems. Project staff reviewed tax laws and related materials and identified four lessons in farm management and supervised occupational experience that needed revision. Materials were then…

  8. 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...

  9. Digitizing Olin Eggen's Card Database

    Science.gov (United States)

    Crast, J.; Silvis, G.

    2017-06-01

    The goal of the Eggen Card Database Project is to recover as many of the photometric observations from Olin Eggen's Card Database as possible and preserve these observations, in digital forms that are accessible by anyone. Any observations of interest to the AAVSO will be added to the AAVSO International Database (AID). Given to the AAVSO on long-term loan by the Cerro Tololo Inter-American Observatory, the database is a collection of over 78,000 index cards holding all Eggen's observations made between 1960 and 1990. The cards were electronically scanned and the resulting 108,000 card images have been published as a series of 2,216 PDF files, which are available from the AAVSO web site. The same images are also stored in an AAVSO online database where they are indexed by star name and card content. These images can be viewed using the eggen card portal online tool. Eggen made observations using filter bands from five different photometric systems. He documented these observations using 15 different data recording formats. Each format represents a combination of filter magnitudes and color indexes. These observations are being transcribed onto spreadsheets, from which observations of value to the AAVSO are added to the AID. A total of 506 U, B, V, R, and I observations were added to the AID for the variable stars S Car and l Car. We would like the reader to search through the card database using the eggen card portal for stars of particular interest. If such stars are found and retrieval of the observations is desired, e-mail the authors, and we will be happy to help retrieve those data for the reader.

  10. 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...

  11. 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....

  12. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

    and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand......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...

  13. Credit and Oil Consumption

    OpenAIRE

    Arora, Vipin

    2016-01-01

    Credit greases the wheels of oil consumption—it is prevalent in purchases of cars, trucks, and even the construction of factories. But the traditional view is that it affects oil consumption only through economic activity and the price of oil. I argue that credit is important in its own right. To make my case, I first show that an association between credit and oil consumption growth exists across countries and time. I then give a nod to the traditional view, and conclude by showing that ...

  14. 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...

  15. The Smart Card concept applied to access control

    Energy Technology Data Exchange (ETDEWEB)

    Seidman, S.

    1986-01-01

    Passwords tend to be handled carelessly, and so are easily lost or stolen. Because they are intangible, their loss or theft generally goes unnoticed. Because they are constant, they may be used by anyone for as long as they remain in active use by a legitimate user. A step up in password security is offered by a new range of products which generate a new code each time the device is used. Devices are being produced in packages as small as a standard plastic credit card, including internal battery power, integral keyboard and LCD display. Security features of the Smart Card are reviewed, and several random access code generators currently available in the commercial marketplace are described.

  16. [Microprocessor cards and portable medical record].

    Science.gov (United States)

    Beuscart, R; Ghosn, N; Haye, M P

    1996-02-01

    The smart cards are considered as "intermittently connected devices" ensuring the security and the confidentiality of the data. This technique can be used in the healthcare domain for 2 types of applications: 1. patient cards for administrative functions (Social Security card, identification card) or medical purposes (general medical record or "niche" cards); 2. healthcare professionals cards for identification, authentification of the bearers. Electronic signature and cryptography algorithms reinforce the security of the transactions in medical informatics and telematics. In every case, the smart card must be considered as a mobile tool, intermittently connected with a larger, not limited information system.

  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, 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.

  20. 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.

  1. 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.

  2. Notification: Management of Travel Cards

    Science.gov (United States)

    Project #OA-FY15-0156, April 20, 2015. The U.S. Environmental Protection Agency (EPA), Office of Inspector General (OIG), plans to begin preliminary research for an audit of the management of travel cards.

  3. 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.

  4. RECORD OF THE BINARY DATA ON SD CARD ARDUINO DUE

    Directory of Open Access Journals (Sweden)

    V. G. Mikhailov

    2016-01-01

    Full Text Available The short review of microcontrollers of family Arduino, their characteristics and application fields is given. Importance of record of parameters of researched object is marked to produce debugging of control systems on microcontrollers Arduino. Unique possibility of registration of parameters in family Arduino is record on SD a card in an alpha mode with usage of functions print (, write (. The problems connected to record of the binary data on SD a card on microcontroller Arduino Due are considered. The analysis of methods of record of the binary data on SD card Arduino Due, originating problems with neo-cleaning of memory from the previous program leading to possibility of duplication of the data on SD to a card, presence of the erratic point of view about restriction of volumes of data record and necessity of usage become outdated SD cards is carried out. Ways of elimination of the marked lacks are considered. The estimation of high-speed performance of various approaches of a data recording on SD a card is led. On the basis of the led researches the approach of multiplexing of the writeable information at the expense of conversion of the binary data is offered is byte-serial in a character array in code ASCI without magnification of their volume and record by units on 240 byte. It allows to use as much as possible standard function possibilities write ( Arduino and specificity of the organization of memory SD of cards and to increase high-speed performance more than in 1100 times in comparison with record in a character type on one byte.It is marked that usage of decisions of an exception of duplication of the data offered at forums does not provide completeness of their elimination. For Arduino Due for storage cleaning it is necessary usages of the special programmator or setting of the new program of loading.

  5. Using Formal Methods to Cultivate Trust in Smart Card Operating Systems

    NARCIS (Netherlands)

    Alberda, Marjan I.; Hartel, Pieter H.; de Jong, Eduard K.

    To be widely accepted, smart cards must contain completely trustworthy software. Because smart cards contain relatively simple computers, and are used only for a specific class of applications, it is feasible to make the language used to program the software components focused and tiny. Formal

  6. Compliance and Compromise or Challenge and Change. Access without Credit?

    Science.gov (United States)

    Coats, Maggie

    2000-01-01

    Evidence from 100 women in women-only reentry courses suggested that any form of assessment and credit may deter the target audience. Assessment imposes requirements that may reduce program effectiveness. Noncredit programs for disadvantaged women are recommended. (SK)

  7. Effectiveness of an educational program in nursing in the self-care of patients with heart failure: randomized controlled trial Efectividad de un programa educativo en enfermería en el autocuidado de los pacientes con insuficiencia cardíaca: ensayo clínico controlado Efetividade de um programa educativo em enfermagem no autocuidado em pacientes com insuficiência cardíaca: ensaio clínico randomizado

    Directory of Open Access Journals (Sweden)

    María de los Ángeles Rodríguez-Gázquez

    2012-04-01

    Full Text Available Unblinded randomized controlled clinical trial to evaluate the effectiveness of an educational program in nursing (educational meetings, home visits, telenursing and a printed book in the improvement of self-care behaviors in patients with heart failure was evaluated. Thirty-three people participated in the intervention group and thirty in the control group. At the beginning and at the end of the study (ninth month, Nancy Artinian's Heart Failure Self-care Behaviors Scale was applied to assess the level of self-care. 66.0% of the intervention group versus 26.6% of the control group improved the self-care score by at least 20% (pEnsayo clínico controlado aleatorizado sin cegamiento, con el que se evaluó la efectividad de un programa educativo de enfermería (encuentros educativos, visitas domiciliarias, tele enfermería y cartilla impresa en el mejoramiento de los comportamientos de autocuidado en pacientes con insuficiencia cardíaca. Participaron 33 personas en el grupo de estudio y 30 en el grupo control. Al inicio y al finalizar el estudio (noveno mes se aplicó la Escala de Comportamientos de Autocuidado de Pacientes con Insuficiencia cardiaca de Nancy Artinian para evaluar el nivel de autocuidado. Resultados: 66,0% del grupo de intervención versus 26,6% del grupo control mejoraron en al menos un 20% el puntaje de autocuidado (pTrata-se de ensaio clínico controlado, aleatorizado, sem cegamento, no qual se avaliou a efetividade de um programa educativo de enfermagem (encontros educativos, visitas domiciliárias, tele-enfermagem e cartilha impressa, no melhoramento dos comportamentos de autocuidado em pacientes com insuficiência cardíaca. Participaram 33 pessoas no grupo de estudo e 30 no grupo controle. No início e no final do estudo (nono mês, aplicou-se a Escala de Comportamentos de Autocuidado de Pacientes com insuficiência cardíaca, de Nancy Artinian, para avaliar o nível de autocuidado. Resultados: 66,0% do grupo de interven

  8. Credit derivatives and risk management

    OpenAIRE

    Gibson, Michael S.

    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...

  9. 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...

  10. Time Delay Measurements of Key Generation Process on Smart Cards

    Science.gov (United States)

    2015-03-01

    delve into the meat of the thesis, describing a java program written to test DOD CAC cards that have ECC algorithms implemented. Test data will be...contractors (Homeland Security Presidential Directive 12). Washington, DC: George W. Bush . Effective identity and access management in a mobile

  11. A municipal forest report card: Results for California, USA

    Science.gov (United States)

    E.Gregory McPherson; Louren Kotow

    2013-01-01

    This study integrates two existing computer programs, the Pest Vulnerability Matrix and i-Tree Streets, into a decision-support tool for assessing municipal forest stability and recommending strategies to mitigate risk of loss. A report card concept was developed to communicate levels of performance in terms that managers and the public easily understand. Grades were...

  12. 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 ...

  13. 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...

  14. 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

  15. 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

  16. 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

  17. 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...

  18. Arab Credit Reporting Guide

    OpenAIRE

    International Finance Corporation; Arab Monetary Fund

    2015-01-01

    During the first decade of this century, from 2001 to 2010, attention focused on the development of the credit information industry in the Middle East and North Africa (MENA) region. As MENA’s role in the global economy increases along with its attendant demographic integration, the development of comprehensive information sharing systems across the region has become an imperative. The overall ...

  19. Measuring Credit Spread Risk

    NARCIS (Netherlands)

    R.A.J. Campbell-Pownall (Rachel); R. Huisman (Ronald)

    2002-01-01

    textabstractIt is widely known that the small but looming possibility of default renders the expected return distribution for financial products containing credit risk to be highly skewed and fat tailed. In this paper we apply recent techniques developed for incorporating the additional risk faced

  20. 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.

  1. 7 CFR 1493.30 - Information required for program participation.

    Science.gov (United States)

    2010-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS CCC EXPORT CREDIT GUARANTEE PROGRAMS CCC Export Credit Guarantee Program (GSM-102) and CCC Intermediate Export Credit... export sale contemplated by the applicant; (5) A certified statement describing the applicant's...

  2. SISTEM TERPADU REKAM MEDIK RUMAH SAKIT DENGAN SMART CARD

    Directory of Open Access Journals (Sweden)

    _ Sukamto

    2013-04-01

    Full Text Available Dalam penelitian ini,  system terpadu rekam medik rumah sakit dibuat dengan teknologi smart card sebagai media penimpanan data  Tujuan dari penelitian ini adalah  menerapkan teknologi smart card sebagai sarana  atau media penyimpan informasi pasien yang mempunyai kesederhana, keandalan, dan portabilitas  yang tinggi, sehingga meningkatkan jaminan ketersediaan data pada sebuah sistem rekam medik.Tahapan pembuatan rancang bangun sistem rekam medis ini meliputi  perancangan data flow diagram, rentity relationshipp diagram, database dan program aplikasi. Hasil dari penelitian ini menunjukan bahwa smart  card dapat digunakan  sebagai sarana  atau media penyimpan informasi pasien yang mempunyai kesederhana, keandalan, dan portabilitas  yang tinggi.

  3. 40 CFR 80.1295 - How are gasoline benzene credits used?

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false How are gasoline benzene credits used... PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Gasoline Benzene Averaging, Banking and Trading (abt) Program § 80.1295 How are gasoline benzene credits used? (a) Credit use. (1) Gasoline benzene...

  4. Defense Mechanism Card Pull in TAT Stories.

    Science.gov (United States)

    Cramer, Phebe

    2017-01-01

    This study investigates the question of whether different Thematic Apperception Test (TAT; Murray, 1943 ) cards are likely to prompt stories that are characterized by different defense mechanisms. This condition is known as card pull and refers to the probability that different TAT cards elicit different personality scores for the same variable. If so, the assessment of defense use would be importantly influenced by the TAT cards used in an assessment. TAT stories from 3 different community samples were examined (Ns = 91, 98, 121), using a statistical method developed by Stein et al ( 2014 ). The results indicated that different TAT cards pull for different defenses, as assessed by the Defense Mechanism Manual (DMM: Cramer, 1991b ). However, the nature of card pull was not always consistent across samples. These dissimilarities could be due to group differences, or to the presence of different TAT cards used in the test battery, indicating that card pull is importantly determined by context.

  5. 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...

  6. Annual Credit and Financing Report, 1970.

    Science.gov (United States)

    Bureau of Indian Affairs (Dept. of Interior), Washington, DC.

    The 1970 Annual Credit and Financing Report of the Bureau of Indian Affairs describes the financing available for economic advancement of American Indians. Specific programs and their results are cited in such areas as housing, small business, agriculture, and education. The appendix contains 41 tables which include information such as loans made,…

  7. Online Dual Credit Mathematics for Rural Schools

    Science.gov (United States)

    Harris, Roy Joe; Stovall, Sarah T.

    2013-01-01

    Students from small rural schools (class 1A, 2A, and 3A) historically have not had access to dual credit courses for several reasons including distance from a college campus, affordability, and district teaching strength. In an effort to address these problems and to begin the college experience sooner, a new program was developed by the…

  8. Optimizing the collections process in consumer credit

    OpenAIRE

    De Almeida Filho, Adiel T.; Mues, Christophe; Lyn C Thomas

    2009-01-01

    This paper builds a dynamic programming model to optimize the collections process in consumer credit. It determines which collections actions should be undertaken and how long they should be performed. Theoretical results about the form of the optimal policy under certain conditions are obtained. Finally a case study is described based on data from the collection department of a European bank

  9. A Medipix3 readout system based on the National Instruments FlexRIO card and using the LabVIEW programming environment

    Energy Technology Data Exchange (ETDEWEB)

    Horswell, I; Gimenez, E N; Marchal, J; Tartoni, N, E-mail: ian.horswell@diamond.ac.uk [Diamond Light Source Ltd., Harwell Science and Innovation Campus, Didcot, Oxfordshire. OX11 0DE (United Kingdom)

    2011-01-15

    Hybrid silicon photon-counting detectors are becoming standard equipment for many synchrotron applications. The latest in the Medipix family of read-out chips designed as part of the Medipix Collaboration at CERN is the Medipix3, which while maintaining the same pixel size as its predecessor, offers increased functionality and operating modes. The active area of the Medipix3 chip is approx 14mm x 14mm (containing 256 x 256 pixels) which is not large enough for many detector applications, this results in the need to tile many sensors and chips. As a first step on the road to develop such a detector, it was decided to build a prototype single chip readout system to gain the necessary experience in operating a Medipix3 chip. To provide a flexible learning and development tool it was decided to build an interface based on the recently released FlexRIO{sup TM} system from National Instruments and to use the LabVIEW{sup TM} graphical programming environment. This system and the achieved performance are described in this paper.

  10. Main components of business cards design

    Directory of Open Access Journals (Sweden)

    Ю. В. Романенкова

    2003-03-01

    Full Text Available The essay is dedicated to the urgent problem of necessity of creation of professional design of business cards, that are important part of the image of modem businessman. There are classification of cards by functional principle, the functions of cards of each type were analyzed. All components of business card, variants of its composition schemes, color characteristics, principles of use of trade marks and other design elements have been allocated

  11. 9.5 college credit fiber optic training program for under- and unemployed women: a private/public/continuing education partnership designed to promote women in fiber optics as a workforce initiative

    Science.gov (United States)

    Stroup, Margaret H.; Valentin, Marjorie R.; Seebeck, Randall G.; Williams, Joseph; Jeffers, Deborah; Markoja, Robert

    2002-05-01

    Three Rivers Community College, in conjunction with CiDRA Corporation a fiber-optic telecommunication company and Middlesex Community College, offered a 12 week, 9.5 college credit Fiber Optics training program for 14 unemployed and underemployed women in central Connecticut. Classes were held at the Meriden Center of Middlesex Community College, with some laboratory activities held at CiDRA's headquarters in Wallingford. Connecticut photonics related manufacturing companies project a need to hire anywhere from 100 to 1000 new photonics workers over the next several years. Despite this incredible demand, Three Rivers Community College is the only community college to offer an associate degree program in Photonics Engineering Technology in Connecticut, and one of only two colleges in new England. Funded in part by monies targeting Non-Traditional Occupations for women through the Connecticut Department of Labor, this accelerated program enabled participants to learn industry basics, be interview ready, and earn valuable credit towards an associate degree. The goal of the training program is to provide these former waitresses, truck drivers, certified nurse aides and medical technicians an opportunity to enter the higher-paying field of fiber-optic technology. The course, designed with curriculum assistance from Connecticut companies, will provide education and training needed to qualify for an entry-level position in fiber-optic manufacturing. In addition to free tuition students enrolled in the program received all supplies needed for the course including textbooks, a scientific calculator and an optics experiment kit. Students also practiced fiber termination and splicing skills and were eligible to take the Fiber Optic Association Certification Test at the conclusion of the program. The cost for the test was also paid by the grant. Students met regularly with female employees of CiDRA who served as mentors for the 12- week program. Math and science tutoring was

  12. The HyperCard Launching Pad.

    Science.gov (United States)

    Aufdenspring, Gary; Aufdenspring, Deborah

    1992-01-01

    Describes how HyperCard software can be used to direct students to databases, applications, and explanations in an online environment. The use of HyperCard with other software is discussed; using HyperCard to set up tutorials is explained; and limitations are addressed, including the amount of memory needed and the speed of the hardware. (LRW)

  13. 19 CFR 101.8 - Identification cards.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Identification cards. 101.8 Section 101.8 Customs... GENERAL PROVISIONS § 101.8 Identification cards. Each Customs employee shall be issued an appropriate identification card with that employee's photograph and signature, signed by the appropriate issuing officer. ...

  14. 25 CFR 249.3 - Identification cards.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Identification cards. 249.3 Section 249.3 Indians BUREAU... General Provisions § 249.3 Identification cards. (a) The Commissioner of Indian Affairs shall arrange for the issuance of an appropriate identification card to any Indian entitled thereto as prima facie...

  15. Coding the Eggen Cards (Poster abstract)

    Science.gov (United States)

    Silvis, G.

    2014-06-01

    (Abstract only) A look at the Eggen Portal for accessing the Eggen cards. And a call for volunteers to help code the cards: 100,000 cards must be looked at and their star references identified and coded into the database for this to be a valuable resource.

  16. 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...

  17. Success in Online Credit Recovery: Factors Influencing Student Academic Performance

    Science.gov (United States)

    Nourse, David

    2017-01-01

    Recent estimates show nearly 90% of school districts nationwide offer some form of online credit recovery. Additionally, credit recovery services have become one of the fastest growing areas of educational software. Despite the widespread adoption of these programs, there is a lack of scholarly research on the effectiveness, rigor, and suitability…

  18. 48 CFR 213.270 - Use of the Governmentwide commercial purchase card.

    Science.gov (United States)

    2010-10-01

    ... exception for an electronic commerce/electronic data interchange system or operational requirement that... Medical Electronic Catalog Program are two examples where use of the purchase card may not be cost...

  19. 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.

  20. [Coding, nomenclatures, PMSI, medical records, cards with microprocessors: what coherence?].

    Science.gov (United States)

    Mennerat, F

    1996-01-01

    Computerization of information on health care delivery is being implemented in France. Within hospitals, the PMSI program aimed at coding and storing medical information on patients and their treatment has started. More recently was launched a program for computerizing outpatient care (coding and storing information on medical acts, pathologies and prescriptions). Patient individual cards with microprocessor have been implemented. The challenge ahead is how to coordinate all these processes to make them compatible, and coherent and to avoid wasteful disorders.

  1. 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....

  2. Insurability of export credit risks

    OpenAIRE

    Alsem, K.J.

    2003-01-01

    This report presents an analysis of the market for export credit insurance. Governments of all developed countries oer exporting companies export credit (re)insurance, either directly or indirectly. This raises the questions 1. What are the key determinants of export credit risk insurability by the private market? 2. Which export credit risks can be covered by the private market? We provide an answer to these questions by means of a literature review and an extensive field study, with special...

  3. DoD Cardholders Used Their Government Travel Cards for Personal Use at Casinos and Adult Entertainment Establishments

    Science.gov (United States)

    2015-05-19

    1 9 , 2 0 1 5 DoD Cardholders Used Their Government Travel Cards for Personal Use at Casinos and Adult Entertainment Establishments Report No...Travel Cards for Personal Use at Casinos and Adult Entertainment Establishments 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6...D2014-D000CL-0201.000) │ i Results in Brief DoD Cardholders Used Their Government Travel Cards for Personal Use at Casinos and Adult Entertainment

  4. 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...

  5. Whole genome microarray analysis, from neonatal blood cards

    Directory of Open Access Journals (Sweden)

    Hogan Michael E

    2009-07-01

    Full Text Available Abstract Background Neonatal blood, obtained from a heel stick and stored dry on paper cards, has been the standard for birth defects screening for 50 years. Such dried blood samples are used, primarily, for analysis of small-molecule analytes. More recently, the DNA complement of such dried blood cards has been used for targeted genetic testing, such as for single nucleotide polymorphism in cystic fibrosis. Expansion of such testing to include polygenic traits, and perhaps whole genome scanning, has been discussed as a formal possibility. However, until now the amount of DNA that might be obtained from such dried blood cards has been limiting, due to inefficient DNA recovery technology. Results A new technology is employed for efficient DNA release from a standard neonatal blood card. Using standard Guthrie cards, stored an average of ten years post-collection, about 1/40th of the air-dried neonatal blood specimen (two 3 mm punches was processed to obtain DNA that was sufficient in mass and quality for direct use in microarray-based whole genome scanning. Using that same DNA release technology, it is also shown that approximately 1/250th of the original purified DNA (about 1 ng could be subjected to whole genome amplification, thus yielding an additional microgram of amplified DNA product. That amplified DNA product was then used in microarray analysis and yielded statistical concordance of 99% or greater to the primary, unamplified DNA sample. Conclusion Together, these data suggest that DNA obtained from less than 10% of a standard neonatal blood specimen, stored dry for several years on a Guthrie card, can support a program of genome-wide neonatal genetic testing.

  6. 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

  7. 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…

  8. Financial sustainability in savings and credit programmes.

    Science.gov (United States)

    Havers, M

    1996-05-01

    This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action

  9. 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.

  10. Credit and identity theft

    OpenAIRE

    Kahn, Charles M.; 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...

  11. Jump Start: International High School Students From Other Countries Earning Early U.S. College Credits

    Science.gov (United States)

    Hu, Jiayi; Hagedorn, Linda Serra

    2015-01-01

    This study analyzes data from one of the larger credit-based college transition programs for international students, the U.S. Bound College Credit Program or USBC2 Program (a pseudonym), mainly offered to high school students around the globe who are planning on attending American colleges or universities. Upon successful program completion, these…

  12. 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.

  13. Ostomy Home Skills Program

    Medline Plus

    Full Text Available ... Global Codes and Data Collection New Medicare Card Project Medicare Enrollment and ... Quality Electronic Health Records (EHR) Incentive Program Physician Quality Reporting ...

  14. Beyond "banking for the poor": credit mechanisms and women's empowerment.

    Science.gov (United States)

    Albee, A

    1996-10-01

    This article describes some strengths and limitations of credit programs for women in developing countries. It is urged that development planners recognize the importance of the selection of the type of credit mechanism in the long term. Ethical issues should be decided upon before the credit mechanism is operable. Organizations should make clear what level of commitment there is to empower borrowers. Most organizations give loans to women and assume empowerment will take place without devising strategies to ensure empowerment. Credit mechanisms include credit for the poor and credit by the poor. A sound financial portfolio and 100% repayment are not the appropriate criteria for securing the empowerment of women. Empowerment of women is related to "building the capacity of borrowers to manage and control decision making." UNICEF's framework of gender equality and women's empowerment identifies levels of empowerment as "welfare, access, conscientisation, participation, and control." Development planners should be aware that provision of credit also has the potential to increase a poor family's debt. Delinquency may be hidden by overlapping loans that trap borrowers. Fewer installment payments increase the chances of a debt trap. Reducing the number of installments may reduce administrative costs and conform to production processes, but may also lead to a debt trap. There is now considerable emphasis on investing in low-income women entrepreneurs as a highly efficient means of achieving social and economic objectives. Credit programs aim to support the growth of small, self-sustaining businesses, to improve women's opportunities, and to provide alternatives to exploitation by local money-lenders. This article describes the following credit mechanisms: bank guarantee systems, government credit schemes, intermediary projects, direct lending projects, banks for the poor, credit unions, and village-based banks.

  15. THE RELATIONSHIP BETWEEN EXPORTS, CREDIT RISK AND CREDIT GUARANTEES

    OpenAIRE

    Rienstra-Munnicha, Paul; Turvey, Calum G.

    2002-01-01

    This paper provides an understanding of how the export credit worthiness of an importing country affects export sales of agricultural and other manufactured products and how export credit guarantees or insurance can mitigate risks of non-payment. A theoretical model is developed. It shows how risk mitigation through export credit insurance could increase exports to high risk importing countries. The key result is that the export response curve is more inelastic in the presence of payment risk...

  16. Education Tax Credits in a Post-"Zelman" Era: Legal, Political, and Policy Alternatives to Vouchers?

    Science.gov (United States)

    Huerta, Luis A.; d'Entremont, Chad

    2007-01-01

    This article examines an emerging preference for education tax credit programs in a post-"Zelman" era. First, the authors detail the origin of tax credits and the types of existing plans. Second, they review the assumptions underlying the supposed advantages that may favor tax credits as a feasible alternative to vouchers. Third, they…

  17. 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

  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....... 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...... 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...

  19. 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...

  20. Financial Restructuring and Credit Unions

    OpenAIRE

    Greinke, Andrew

    1998-01-01

    The nature of credit unions as mutual financial institutions is examined and the economic implications of mutuality explored. While manager-shareholder agency costs are likely to be exacerbated within credit unions, shareholder-debtholder agency costs are likely to be eliminated. In this context, the implications for credit unions of the Campbell Report, the Financial Institutions scheme, and the Wallis Inquiry are discussed. While the imposition of risk-weighted capital adequacy requirements...

  1. 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....

  2. Falla cardíaca (primera parte)

    OpenAIRE

    Flórez Alarcón, Noel Alberto; Fundación Valle de Lili

    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?

  3. 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....

  4. 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...

  5. EFFECT OF FLAT SPEED OF CARDING MACHINE ON QUALITY OF CARD SLIVER AND YARN

    OpenAIRE

    A. Subrata Kumar Saha; B. Jamal Hossen; C. Chowdhury Jony Moin

    2011-01-01

    Carding is the first and only machine (in card process) which can eliminate neps, seed coat neps and the remaining impurities which cannot be eliminated by blowroom section. In case of carding machine the higher the production rate, the more sensitive the carding operation and the greater danger of negative influence onquality. So the optimization of speed is the prime factor today [1]. Excessive higher speed can lead to fiberdamage and higher neps generation which will downgrade the final pr...

  6. Java Card: An analysis of the most successful smart card operating system

    NARCIS (Netherlands)

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

    2005-01-01

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

  7. 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

  8. 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.

  9. Smart Cards 101: Everything a Beginner Needs To Get Started.

    Science.gov (United States)

    Wiens, Janet

    2001-01-01

    Discusses how to implement a smart card system at a college or university, and explains what smart cards are, their potential applications, benefits, and costs. Provides a resource for obtaining additional information about smart cards. (GR)

  10. 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.

  11. 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. PMID:26375678

  12. A Simple Homemade Polarised Sunglasses Test Card

    Science.gov (United States)

    Bamdad, Farzad

    2016-01-01

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

  13. C-cards in Music Education

    DEFF Research Database (Denmark)

    Valente, Andrea; Lyon, Kirstin Catherine

    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...

  14. Enhancing Students' Learning: Instant Feedback Cards

    Science.gov (United States)

    Mohrweis, Lawrence C.; Shinham, Kathe M.

    2015-01-01

    This study illustrates an active learning approach using instant feedback cards in the first course in accounting. The objectives of this study are to (1) describe instant feedback cards and (2) show how this tool, when used in an active learning environment, can enhance learning. We examined whether students exposed to immediate feedback…

  15. Credit Trading and Wind Power: Issues and Opportunities

    Energy Technology Data Exchange (ETDEWEB)

    Kevin Rackstraw, John Palmisano

    2001-01-15

    OAK-B135 This paper focuses on credits that are derived from wind energy technology, but the same concepts apply to other renewable energy technologies as well. Credit trading can be applied to a wide variety of policies, programs and private market activities and represents a means of tapping into revenue streams that heretofore have largely excluded wind and other renewables. In addition, credit trading can help to ''create'' new revenue streams for wind and other renewables by helping to grow new markets.

  16. 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...

  17. 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 annually...

  18. 7 CFR 4279.131 - Credit quality.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4279.131 Section 4279.131 Agriculture... Credit quality. The lender is primarily responsible for determining credit quality and must address all of the elements of credit quality in a written credit analysis including adequacy of equity, cash...

  19. Emissions credits traded : solar developer sees potential

    Energy Technology Data Exchange (ETDEWEB)

    Anon.

    1998-12-01

    The issue of buying and selling carbon dioxide emissions reductions through credit trades was discussed. Canada`s Greenhouse Gas Emissions Reduction Trading (GERT) pilot program is a first step toward developing a commodity market for greenhouse gas offsets. The program is based on a credit system in which site-specific baselines for emissions are defined. As currently set up, a source reducing its emissions below its baseline receives a credit which can be sold to another source if needed. The first trade submitted to GERT displaces fossil-fuelled electricity with electricity produced by wind turbines. In this deal Calgary`s distribution utility, Enmax, is selling wind power and the resulting emissions reductions to the federal government for use in its own buildings . Another deal which may soon be submitted to GERT is a solar pool-heating project at a recreation centre in Lillooet, British Columbia. It will replace a propane heater. The amount of reduction in greenhouse gas emissions will be calculated from the amount of propane that has been displaced by solar heating.

  20. Motor Skill Improvement in Preschoolers: How Effective Are Activity Cards?

    Directory of Open Access Journals (Sweden)

    Lars Donath

    2014-12-01

    Full Text Available Strategies to early develop and implement motor skill promotion in preschoolers are lacking. Thus, we examined the effects of a card-based exercise promotion program in a kindergarten setting. 214 preschool children (5.5 ± 0.6 y, range 4.2–6.7 y were examined in the present intervention study. Body mass index (BMI and waist circumference were measured. Children were randomly assigned to the KIDZ-Box® physical activity intervention program (INT: n = 107 or the control group (CON: n = 107. Children were trained daily for 15 min over 7 month at the preschool for agility, balance, endurance and jump performance, employing the card-based KIDZ-Box® media package. At pre- and post-testing, dynamic balance, jump and agility performance were tested. Cross-sectionally, agility testing differed between sexes (p = 0.01 and BMI (p = 0.02. Trends towards a significant association were found between BMI and side-to-side jumping (p = 0.1 and beam balancing (p = 0.05. Relevant interventional effects favoring the intervention group were slightly found for agility (p = 0.04, ηp2 = 0.02 and moderately for side-to-side jumping (p < 0.001, ηp2 = 0.08. Balance performance did not relevantly improve. As jumping cards have been used frequently by the teachers, jumping improvements are plausible. The activity cards are feasibly applicable but should be employed with more structure during longer training sessions.

  1. 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.

  2. Two kinds of credit rationing

    Directory of Open Access Journals (Sweden)

    H.W. ARNDT

    2013-12-01

    Full Text Available Some advocates of financial development have made a powerful case against government control of interest rates by resting their case on the discriminatory effects of credit rationing. In doing so they have confused the issues by attributing to government controls the consequences which normally flow from credit rationing by banks even in the absence of legal control. The object of the article is to clear up the confusion by distinguishing more clearly between two kinds of credit rationing, “bank rationing” and “government rationing”.

  3. Farmer Response to Nutrient Credit Trading Opportunities in the Coastal Plain of Virginia

    OpenAIRE

    Movafaghi, Olivia S.; Stephenson, Kurt; Taylor, Daniel

    2013-01-01

    The purpose of this study is to evaluate agricultural producer response to opportunities to generate nutrient credits under Virginia’s water quality trading program. In 2005 the Virginia legislature passed legislation authorizing trade of nutrient reduction credits from nonpoint to new/expanding point source dischargers. A mathematical programming model of a typical commercial cash grain farm operation in the coastal plains of Virginia is constructed to model farmer credit supply response und...

  4. 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 credit...

  5. Operating a Geiger-Muller Tube Using a PC Sound Card

    Science.gov (United States)

    Azooz, A. A.

    2009-01-01

    In this paper, a simple MATLAB-based PC program that enables the computer to function as a replacement for the electronic scalar-counter system associated with a Geiger-Muller (GM) tube is described. The program utilizes the ability of MATLAB to acquire data directly from the computer sound card. The signal from the GM tube is applied to the…

  6. 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...

  7. Recognition of the smart card iconic numbers

    Directory of Open Access Journals (Sweden)

    Xin Xue Shi

    2016-01-01

    Full Text Available Manual way of recognizing and inputting the smart card iconic numbers leads to much time consuming, high resources consuming and low accuracy. This paper presents a new automatic method based on the technology of computer vision, including Harr operator for face detection, Fast operator for number location, image binarization, character segmentation and BP neural network for number recognition. Experimental results on 100 ID cards show that by adjusting the parameters of the BP neural network properly, the recognition accuracy is more than 99%, and the recognition time for each ID card is within 0.05 seconds.

  8. 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

  9. Caquexia cardíaca Cardiac cachexia

    OpenAIRE

    Alberto Miján; Elvira Martín; Beatriz de Mateo

    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 misma. ...

  10. 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...

  11. 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

  12. Program of state support to agricultural crediting

    Directory of Open Access Journals (Sweden)

    Vojinović Željko

    2017-01-01

    Full Text Available One of the most important industries in Serbia are agriculture, the potential for the State, which is on its way to become a member of the European Union, represents the backbone of economic growth and development. Integrating with the EU represents a task to establish such a model and framework of relations of the State towards agriculture in order to easier harmonization of national policies with the policy of the EU. In this day and age when growing awareness about the importance of nutrition and the importance of the arable land, it is necessary to devote special attention to the problem of the lack of funds in the framework of agricultural production. A solution to the problem of technical and technological processes in the manufacture of food products, especially healthy food, you can browse in the measures of improving and increasing production through different approaches to stimulate and subsidizing of agricultural producers. It is certainly in the interest of the State, so it is for that reason necessary to devote special attention to budget and how financing and other measures in the direction of the stimulus of all participants in the market who participate in agricultural production.

  13. Tax Credit Scholarship Programs and the Law

    Science.gov (United States)

    Sutton, Lenford C.; Spearman, Patrick Thomas

    2014-01-01

    After "Zelman v. Simmons-Harris" (2002), civil conflict over use of vouchers and taxes to purchase private education, especially in religious schools, largely remained an issue for state courts' jurisprudence. However, in 2010, it returned to the U.S. Supreme Court when Arizona taxpayers challenged the constitutionality of the state's…

  14. Creation of Carbon Credits by Water Saving

    Directory of Open Access Journals (Sweden)

    Yasutoshi Shimizu

    2012-07-01

    Full Text Available Until now, as a way of reducing greenhouse gas emissions from Japanese homes, the emphasis has been on reduction of energy consumption for air-conditioning and lighting. In recent years, there has been progress in CO2 emission reduction through research into the water-saving performance of bathroom fixtures such as toilets and showers. Simulations have shown that CO2 emissions associated with water consumption in Japanese homes can be reduced by 25% (1% of Japan’s total CO2 emissions by 2020 through the adoption of the use of water-saving fixtures. In response to this finding, a program to promote the replacement of current fixtures with water-saving toilet bowls and thermally insulated bathtubs has been added to the Government of Japan’s energy-saving policy. Furthermore, CO2 emission reduction through widespread use of water-saving fixtures has been adopted by the domestic credit system promoted by the Government of Japan as a way of achieving CO2 emission-reduction targets; application of this credit system has also begun. As part of a bilateral offset credit mechanism promoted by the Government of Japan, research to evaluate the CO2 reduction potential of the adoption of water-saving fixtures has been done in the city of Dalian, in China.

  15. 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.

  16. 76 FR 4408 - Notice of Funding Availability for Applications for Credit Assistance Under the Transportation...

    Science.gov (United States)

    2011-01-25

    ... conflict, the statute takes precedence. See the TIFIA Program Guide for updated program information. II... statutory credit requirements and established standards in addition to the successful negotiation of all... that enter credit negotiations, the DOT will require the borrower to pay at closing or within a...

  17. Achieving LEED credit for ergonomics: Laying the foundation.

    Science.gov (United States)

    Lynch, Mallory

    2014-01-01

    Despite guidance from the United States Green Building Council (USGBC) on the requirements for earning a Leadership in Energy and Environmental Design (LEED) ergonomics credit in the Innovation in Design and Innovation in Operations category, few projects have received the credit. The University of California, Berkeley ergonomics program, Ergonomics@Work, has aligned the ergonomics strategy to those of the USGBC and LEED to achieve the ergonomics credit in several new buildings. This article describes the steps needed to obtain the credit and highlights the opportunities it creates to partner with the project team to promote ergonomics. As a profession it is up to ergonomists to create the road map that incorporates ergonomics into the green building design.

  18. 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…

  19. SC2: Secure Communication over Smart Cards

    DEFF Research Database (Denmark)

    Dragoni, Nicola; Lostal, Eduardo; Papini, Davide

    2012-01-01

    The Security-by-Contract (S×C) framework has recently been proposed to support software evolution in open multi-application smart cards. The key idea lies in the notion of contract, a specification of the security behavior of an application that must be compliant with the security policy...... of the card hosting the application. In this paper we address a key issue to realize the S×C idea, namely the outsourcing of the contractpolicy matching service to a Trusted Third Party (TTP). In particular, we present the design and implementation of (SC)2 (Secure Communication over Smart Cards), a system...... securing the communication between a smart card and the TTP which provides the S×C matching service....

  20. 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...

  1. FRENCH CARDS - NEW PROCEDURE FOR INITIAL APPLICATION

    CERN Multimedia

    Human Resources Division

    2002-01-01

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

  2. Lost, stolen or skimmed: Overcoming credit card fraud in South Africa

    African Journals Online (AJOL)

    The PDF file you selected should load here if your Web browser has a PDF reader plug-in installed (for example, a recent version of Adobe Acrobat Reader). If you would like more information about how to print, save, and work with PDFs, Highwire Press provides a helpful Frequently Asked Questions about PDFs.

  3. The Relationship of Student Loan and Credit Card Debt on Financial Satisfaction of College Students

    Science.gov (United States)

    Solis, Oscar; Ferguson, Ralph

    2017-01-01

    The cost of higher education at both public and private institutions is increasing and adversely affecting college students (College Board, 2009; Idemudia & Ferguson, 2014a, 2014b, 2015a, 2015b). Utilizing an institutional dataset called Financial Survey of Students 2006 compiled at one of the largest public universities in the southwestern…

  4. 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...

  5. 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.

  6. Student Racial Differences in Credit Card Debt and Financial Behaviors and Stress

    Science.gov (United States)

    Grable, John E.; Joo, So-Hyun

    2006-01-01

    This study expands upon the work of Henry, Weber, and Yarbrough (2001) in examining the money management behaviors and financial outcomes of college students. The analysis was conducted using data from a sample that included an equal mix of African-American and non-Hispanic White students. It was found that African-American students held more…

  7. Should Nature Go on the Credit Card? Putting an Economic Value on Natural Resources

    Science.gov (United States)

    Over time, we are likely to face increasing challenges in making decisions to sustain and restore our waters and coasts, as pressures increase due to sea level rise and an increasing population, among other changes. Every action costs money, and most choices require giving up som...

  8. 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…

  9. 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.

  10. Personality Type Effects on Perceptions of Online Credit Card Payment Services

    National Research Council Canada - National Science Library

    Steven Walczak; Gary L Borkan

    2016-01-01

    ... variances in perception of online payment service features. The results indicate that certain overriding principles appear to be largely universal, namely security and efficiency (or timeliness...

  11. Buy it now and Pay for it Later: An Experimental Study of Student Credit Card use

    National Research Council Canada - National Science Library

    Fagerstrøm, Asle; Hantula, Donald A

    2013-01-01

    .... In eda 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...

  12. Ostomy Home Skills Program

    Medline Plus

    Full Text Available ... Education Cancer Education Cancer Programs Conference: Creating a Culture of Quality CoC Events Quality Education Quality Education ... OR EHR Incentive Program Global Codes and Data Collection New Medicare Card Project Medicare Enrollment and Participation ...

  13. Ostomy Home Skills Program

    Medline Plus

    Full Text Available ... My OR EHR Incentive Program Global Codes and Data Collection New Medicare Card Project Medicare Enrollment and Participation ... self-care checklist Evaluation (Complete the Ostomy Patient Survey . We need your opinion!) Program outcomes The ACS ...

  14. 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.

  15. Penerapan Sanksi Pidana terhadap Tindak Pidana Carding

    OpenAIRE

    Hartono, Bambang

    2013-01-01

    Carding a crime has been growing rapidly in Indonesia, while the legal system in Indonesia is still a gap and weak surveillance systems for this crime, where law enforcement is still very alarming. The research problem is how the application of criminal sanctions against criminal carding. Methods of research conducted juridical normative, using secondary data, obtained from literature studies and data analysis with qualitative analysis. Based on the results of the study discusses Application ...

  16. Evaluation of Brazilian family farming program: a study on the intention of repaingy the agricultural credit / Avaliação do programa nacional de fortalecimento da agricultura familiar: a intenção de pagamento do crédito

    Directory of Open Access Journals (Sweden)

    Mardonio Rique Dias (in memoriam

    2009-01-01

    Full Text Available This publication is part of a major study (Thesis. In that thesis it was analyzed the intention of Pronaf's beneficiaries to repay the credit they have received. The Pronaf is a line of credit for small farmers implemented by the Brazilian Federal Government in 1996. Ajzen's Theory of Planned Behavior (1991 was used to evaluate the beneficiaries' intention in paying what they owned. In order to accomplish this evaluation, two studies were conducted. The first one (Preliminary Study focused on the small farmer's beliefs about the program operation. The second (Main Study focused on the measurement of these beliefs. Two beneficiary groups participated of the studies: Group A (agrarian reform settlers and Group B (small farmers. According to Ajzen's model, for the participants of the Group A, the Attitude, the Normative belief (subjective norm component and the Subjective Norm were positive significant predictors of the Intention to repay the credit. For the Group B, the Attitude, Behavioral belief (attitude component, Normative belief (subjective norm component and Control belief (perceived behavioral control component were positive significant predictors of the Intention to repay the credit. The Perceived behavioral control did not influence directly the behavioral Intention, but this variable indirectly predicts the target behavior.

  17. 76 FR 79531 - Corporate Credit Unions

    Science.gov (United States)

    2011-12-22

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY: National Credit Union Administration... credit unions (corporates). The final amendments make technical corrections to and clarify certain...

  18. 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...

  19. 75 FR 75648 - Corporate Credit Unions

    Science.gov (United States)

    2010-12-06

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 701, 704, and 741 RIN 3133-AD74 Corporate Credit Unions AGENCY: National Credit Union... Board issued a proposed rule amending its corporate credit union rule. 75 FR 73000 (November 29, 2010...

  20. 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...

  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. 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…

  3. Credit bureaus: the long arm of collections.

    Science.gov (United States)

    Black, K G

    1990-11-01

    Credit bureau services often are ignored by healthcare providers as a resource for reducing bad debt. Reporting guarantors' credit information--especially bad debt--to credit bureaus can prevent debtors from obtaining new credit before an overdue hospital bill is paid, thereby reducing the number of past due accounts and increasing the hospital's cash flow.

  4. 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.

  5. An Analysis of Dual Credit Articulation to Degree Plans in a Texas Public Institution of Higher Education

    Science.gov (United States)

    Holley, Tracey M.

    2016-01-01

    In response to the rising cost of higher education, as well as the average time of six years to obtain a 4-year bachelor's degree, lawmakers, educators, and students have turned to credit-based collegiate programs as a potential solution. Dual credit is the most popular means to accumulate college credits at a lower cost. The body of research is…

  6. Magic cards: a new augmented-reality approach.

    Science.gov (United States)

    Demuynck, Olivier; Menendez, José Manuel

    2013-01-01

    Augmented reality (AR) commonly uses markers for detection and tracking. Such multimedia applications associate each marker with a virtual 3D model stored in the memory of the camera-equipped device running the application. Application users are limited in their interactions, which require knowing how to design and program 3D objects. This generally prevents them from developing their own entertainment AR applications. The Magic Cards application solves this problem by offering an easy way to create and manage an unlimited number of virtual objects that are encoded on special markers.

  7. Non-Interference and Erasure Policies for Java Card Bytecode

    DEFF Research Database (Denmark)

    Hansen, René Rydhof; Probst, Christian W.

    2006-01-01

    Non-interference is the property of a program not to leak any secret information. In this paper we propose a notion of non-interference for an abstract version of the Java Card bytecode language. Furthermore an information-flow analysis for verifying non-interference is developed and proved sound...... that confidential information is unavailable after a certain point---and that this unavailability is enforced by the system. This is a crucial requirement for systems like e-commerce or e-voting....

  8. Who needs credit and who gets credit in Eastern Europe

    NARCIS (Netherlands)

    Brown, M.; Ongena, S.; Popov, A.; Yesin, P.

    2011-01-01

    Based on survey data covering 8,387 firms in 20 countries we compare the access to bank credit for firms in Eastern Europe to that in selected Western European countries. Our analysis reveals five main results. First, the firm-level determinants of the propensity to apply are similar in Eastern and

  9. 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...

  10. 12 CFR 614.4530 - Special loans, production credit associations and agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Special loans, production credit associations and agricultural credit associations. 614.4530 Section 614.4530 Banks and Banking FARM CREDIT..., production credit associations and agricultural credit associations. Under policies approved by the bank...

  11. Access to credit: beginning a new phase.

    Science.gov (United States)

    1995-01-01

    This article briefly describes an INSTRAW study of an income generation program in the Dominican Republic. The women in development program is operated by the Association for the Development of Micro-Enterprises in the Dominican Republic. The evaluation aims to quantify the results for men and women borrowers in terms of income, family health and nutrition, business reinvestment, job creation, and other measures. The aim is to compare findings between female household heads and non-heads. Findings support other empirical results showing increased sales and income after development. Women invested some of their additional income in their families' health, nutrition, and education. Women also hired other women and tended to employ more unpaid family members. 12% of employees were aged 7-14 years. The use of local community members, who were recent college graduates, as field officers was found to be an effective management tool. The young loan officers were successful in identifying potential clients and in creating accessible opportunities for advice and service. Loan officers increased the number of borrowers, and the program had low rates of nonpayment of loans. Comparisons between female heads and non-heads indicated different reasons for involvement in the program. Non-heads with other income providers reported personal reasons such as self realization and more money. Heads desired financial stability for the family and sometimes satisfaction of survival needs. Female heads tended to reinvest and expand their income-generating capacities. Women tended to increase their working space. This usually meant home space, since many women conducted their business at home. One obstacle was identified which limited income enhancement. For 30% of interviewed women a limit was set on available credit. Credit could only yield income equal to the minimum wage. This pilot study was limited to 400 persons from Santo Domingo. A further impact study is planned which would

  12. 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

  13. Credit Policy within BRD Bank

    Directory of Open Access Journals (Sweden)

    Moraru Camelia

    2017-01-01

    It has been found that credit is indispensable to an economy, which is why the method of granting itis significant and, in this sense, the function of the bank of financial analyst plays an important rolein orienting resources towards the most efficient placements.

  14. Credit Risk Transfer and Crunches

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2010-01-01

    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...

  15. Dealer Pricing of Consumer Credit

    NARCIS (Netherlands)

    Hochguertel, S.; Bertola, G.; Koeniger, W.

    2005-01-01

    Price discrimination incentives may induce dealers to bear the financial cost of their customers' credit purchases. We focus on how financial market imperfections make it possible to segment the customer population. When borrowing and lending rates differ from each other and from the rate of

  16. 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....

  17. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

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

    .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...... by a greater ability of deregulated banks to geographically diversify credit risk....

  18. 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...

  19. Mineral Supertrumps: A new card game to assist learning of mineralogy

    Science.gov (United States)

    Spandler, C.

    2015-12-01

    Mineralogy is considered one of the cornerstone subjects of geoscience curriculum. It provides the basic information from which we can understand the composition and behaviour of Earth and planetary materials, yet many students struggle to obtain adequate comprehension and knowledge of mineralogy during tertiary degree programs. Here, I introduce a new card game called "Mineral Supertrumps" that can be used to assist teaching of mineralogy at secondary and tertiary level. The card game is easy to learn and play, and is designed to promote active learning in a group environment. The game involves 3 to 6 people, and is similar to the "Top Trumps™" card games. The pack consists of 54 mineral cards, and 6 supertrump cards. Each mineral card includes information about the mineral such as the generic chemical formula, the classification, crystal system, the geological environment where the mineral is commonly found or formed, as well as information in the five playing categories (or trumps) of Hardness, Specific Gravity, Cleavage, Crustal Abundance, and Economic Value. The first three playing categories relate to distinct physical properties of the mineral, while last two categories rate the importance of the mineral in terms of abundance in the Earth's crust and value to modern societies. Results of a formal evaluation of the game by students in the second year of a tertiary geology program indicate that the game has clear benefits for learning about mineralogy. The majority of students enjoyed playing the game and considered it to be effective for enhancing learning about mineral properties and their application to other Earth Science disciplines. Therefore, inclusion of "Mineral Supertrumps" into Earth Science curriculum at secondary or tertiary level has the potential to redress the difficulties students face in learning of mineralogy, while requiring little to no adjustment to existing teaching programs.

  20. 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...