Sample records for program credit card

  1. An Analysis of the Credit Card Program Using Process Innovation

    National Research Council Canada - National Science Library

    Braney, Ronald


    .... This goes a long way toward improving and streamlining the contracting process. One of the key reform initiatives in streamlining the process is the implementation of the Government-wide credit card program...

  2. Credit Card Security


    G.C., Anup


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

  3. Usage of Credit Cards Received through College Student-Marketing Programs (United States)

    Barron, John M.; Staten, Michael E.


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

  4. Credit Card Quiz. (United States)

    Marks, Jeff


    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)

  5. Dynamic Virtual Credit Card Numbers (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.

  6. Follow Up: Credit Card Caution (United States)

    Cahill, Timothy P.


    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…

  7. Store Security. Credit Card Fraud. (United States)

    Brockway, Jerry

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

  8. War of the Credit Cards. (United States)

    Nicklin, Julie L.


    Increasingly, colleges are offering affinity credit cards with attractive incentives as a marketing tool. Some in academe feel the trend may compromise educational objectives. Institutions may also face taxation on unrelated-business income generated through the cards. (MSE)

  9. Credit Cards. Bulletin No. 721. (Revised.) (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…

  10. A Mechanism for Anonymous Credit Card Systems (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.

  11. British and American attitudes toward credit cards. (United States)

    Yang, Bijou; James, Simon; Lester, David


    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.

  12. An Anonymous Credit Card System (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.

  13. Credit Card Debt Hardship Letter Samples


    lissa coffey


    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 ...

  14. 26 CFR 301.6311-2 - Payment by credit card and debit card. (United States)


    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Payment by credit card and debit card. 301.6311....6311-2 Payment by credit card and debit card. (a) Authority to receive—(1) Payments by credit card and debit card. Internal revenue taxes may be paid by credit card or debit card as authorized by this...



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


    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 ...

  16. The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand (United States)

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


    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…

  17. College Student Performance and Credit Card Usage. (United States)

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


    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. 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 ... Identity theft and the exponential ... Unique Security Features of a Credit Card with the Aim of Identifying ..... technology in an attempt to try and curb the.

  19. Credit Card Selection Criteria: Singapore Perspective


    Lydia L. Gan; Ramin Cooper Maysami


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

  20. 41 CFR 101-26.502 - U.S. Government National Credit Card. (United States)


    ... Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property... SOURCES AND PROGRAM 26.5-GSA Procurement Programs § 101-26.502 U.S. Government National Credit Card. A... Standard Form 149, U.S. Government National Credit Card. [60 FR 19674, Apr. 20, 1995] ...

  1. Mammography screening credit card and compliance. (United States)

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


    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.

  2. 12 CFR 226.12 - Special credit card provisions. (United States)


    ... 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...

  3. Analysis of Transaction Authorization for Credit Card Master Card Holders


    Alam Surawijaya; Elly Agustina. Skom, Elly Agustina. Skom


    The credit card is a kind of payment in lieu of cash has a bright prospect in the future,because with the risk of carrying cash large enough in terms of both security and theamount of cash required at certain moments.With so many banks are Mastercard credit card issuer, then Mastercard create acommunication network that is designed to serve all requests authorization from eachmember. Some of the benefits gained from the existence of this system are rapidlyincreasing the authorization process ...

  4. Prefrontal system dysfunction and credit card debt. (United States)

    Spinella, Marcello; Yang, Bijou; Lester, David


    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.

  5. College Student Credit Card Usage and Debt. (United States)

    Rybka, Kathryn M.


    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)

  6. Correlates of credit card ownership in men and women. (United States)

    Yang, Bijou; Lester, David


    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.

  7. 31 CFR 103.135 - Anti-money laundering programs for operators of credit card systems. (United States)


    ... 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...

  8. The Regulation of the Credit Card Market in Turkey


    Ahmet Faruk Aysan; L. Yildiz


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

  9. Neural fraud detection in credit card operations. (United States)

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


    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.

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

    Directory of Open Access Journals (Sweden)

    Mirjana Pejić Bach


    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.

  11. Sex of respondent and credit attitudes as predictors of credit card use and debt payment. (United States)

    McCall, Michael; Eckrich, Donald W


    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.

  12. 25 CFR 11.422 - Unauthorized use of credit cards. (United States)


    ... 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...

  13. 77 FR 37558 - Disclosure of Certain Credit Card Complaint Data (United States)


    ... Certain Credit Card Complaint Data AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice of... Bureau plans to exercise its discretion to publicly disclose certain credit card complaint data that do not include personally identifiable information. The Bureau receives credit card complaints from...

  14. 77 FR 75410 - Request for Information Regarding Credit Card Market (United States)


    ... Regarding Credit Card Market AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for information. SUMMARY: Section 502(a) of the Credit Card Accountability Responsibility and Disclosure Act of... review (Review) of the consumer credit card market, within the limits of its existing resources available...

  15. Credit Card Attitudes and Behaviors of College Students (United States)

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


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

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


    Zhu Wang


    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...

  17. Payment card rewards programs and consumer payment choice


    Andrew Ching; Fumiko Hayashi


    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...


    Directory of Open Access Journals (Sweden)

    Eka Nugraha


    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.



    Turgay GECER


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

  20. Indian Kisan Credit Card Scheme: An Analytical Study

    Directory of Open Access Journals (Sweden)

    Dharmendra Mehta


    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.

  1. Consumer Credit Card Use Intention and Influence Factors Analysis

    Directory of Open Access Journals (Sweden)

    Wang Yantao


    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.

  2. Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research? (United States)

    Manning, Robert D.; Kirshak, Ray


    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…

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

    African Journals Online (AJOL)

    First Lady


    Oct 27, 2012 ... Simiyu, Justo Simiyu - Department of Business Management, Chuka. University College ... Key words: Debit cards, credit cards, commercial banks, Kenya. Introduction ..... saving at once convenience without proper planning.

  4. The cost of anchoring on credit-card minimum repayments


    Stewart, Neil


    About three quarters of credit card accounts attract interest charges. In the US, credit card debt is $951.7 billion of a total of $2,539.7 billion of consumer credit. In the UK, credit card debt is £55.1 billion of £174.4 billion of consumer credit. The 2005 US Bankruptcy Abuse Prevention and Consumer Protection Act and the 2003 UK Treasury Select Committee's report require lenders to collect a minimum payment of at least the interest accrued each month. Thus people are protected from the ef...

  5. Predicting credit card behavior: a study in neuroeconomics. (United States)

    Spinella, Marcello; Lester, David; Yang, Bijou


    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.

  6. Mobile Payment Technology and Competitiveness In the Credit Card Chain


    Martins, Guilherme Silveira; FGV-EAESP; Martins, Michele Esteves; FGV-EAESP; Di Serio, Luiz Carlos; FGV-EAESP; Csillag, João Mário; FGV-EAESP; Santos, Camila Aparecida; Freeddom Tecnologia e Serviços S.A.


    This paper discusses the value creation sources of Mobile Payment concept into the Credit Card Chain. A case-study was developed based on the Transaction Cost Theory, Value Chain Analysis, RB V, Schumpeterian Innovation, and Strategic Network Theory. The results illustrate the technology potential to modify the configuration of Credit Card chain.

  7. Consumer susceptibility to credit card misuse and indebtedness


    Awanis, Sandra; Cui, Charles Chi


    Purpose – Prior research suggests that payment mechanisms are imbued with cues that affect purchase evaluation and future spending behavior. Credit cards are distinguished from other payment mechanisms as they elicit greater willingness to spend, prompt weaker recollections of past credit expenses and overvaluation of available funds – a phenomena the authors call as “credit card effect.� Little is known about the individuals’ differential exposure to the credit card effect. The pur...

  8. Maxed out: The Relationship between Credit Card Debt, Credit Card Distress and Grade Point Averages for College Students (United States)

    Smith, Temple Day


    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…

  9. Vulnerabilities in First-Generation RFID-enabled Credit Cards (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.

  10. Materialism and credit card use by college students. (United States)

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


    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.

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

    Directory of Open Access Journals (Sweden)

    Wesley Mendes-da-Silva


    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.

  12. A credit card verifier structure using diffraction and spectroscopy concepts (United States)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana


    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.

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


    .... 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. Changes in alcohol consumption patterns following the introduction of credit cards in Ontario liquor stores. (United States)

    Macdonald, S A; Wells, S L; Giesbrecht, N; West, P M


    In 1994, regulatory changes were introduced in Ontario, Canada, permitting the purchase of alcoholic beverages with credit cards at government-operated liquor stores. Two objectives of this study were: (1) to compare the characteristics of credit card shoppers with non credit card shoppers at liquor stores, and (2) to assess whether changes occurred in alcohol consumption patterns among shoppers following the introduction of credit cards. Random digit dialing was used to interview 2,039 telephone participants prior to the introduction of credit cards (Time 1); 1,401 of these subjects were contacted 1 year later (Time 2). Independent sample t tests were used to compare credit card shoppers with shoppers not using credit cards, and paired t tests were performed to assess whether drinking behaviors changed from Time 1 to Time 2. The credit card shoppers were more likely than the non credit card shoppers to be highly educated (p Credit card shoppers drank an average of 6.3 drinks over the previous week compared with 4.0 drinks among non credit card shoppers (p credit card shoppers dropped from 6.7 drinks at Time 1 to 6.3 at Time 2 (NS), credit card shoppers reported drinking significantly more often after credit cards were introduced (p credit cards may not present public health problems since significant increases in alcohol consumption among credit card shoppers were not found.

  15. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  16. Precautionary Borrowing and the Credit Card Debt Puzzle

    DEFF Research Database (Denmark)

    Druedahl, Jeppe; Jørgensen, Casper Nordal


    This paper addresses the credit card debt puzzle using a generalization of the buffer-stock consumption model with long-term revolving debt contracts. Closely resembling actual US credit card law, we assume that card issuers can always deny their cardholders access to new debt, but that they cannot...... to simultaneously hold positive gross debt and positive gross assets even though the interest rate on the debt is much higher than the return rate on the assets. Including a risk of being excluded from new borrowing which is positively correlated with unemployment, we are able to simultaneously explain...

  17. An Investigation into Credit Card Debt among College Students (United States)

    Williams, Dylan; Waterwall, Brian; Giardelli, Tiffany


    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…

  18. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  19. 49 CFR 375.221 - May I use a charge or credit card plan for payments? (United States)


    ... 49 Transportation 5 2010-10-01 2010-10-01 false May I use a charge or credit card plan for... card plan for payments? (a) You may provide in your tariff for the acceptance of charge or credit cards for the payment of freight charges. Accepting charge or credit card payments is different than...

  20. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  1. 12 CFR 226.5a - Credit and charge card applications and solicitations. (United States)


    ... 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...

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


    ... 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...

  3. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  4. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  5. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  6. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  7. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  8. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  9. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...


    Directory of Open Access Journals (Sweden)

    V. Dheepa


    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.

  11. Looking at Debit and Credit Card Fraud (United States)

    Porkess, Roger; Mason, Stephen


    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.)

  12. Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit (United States)

    Field, Kelly


    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…

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

    African Journals Online (AJOL)

    This understanding gave birth to the Hierarchical Temporal Memory (HTM) which holds a lot of promises in the area of time-series prediction and anomaly detection problems. This paper demonstrates the behaviour of an HTM model with respect to its learning and prediction of online credit card fraud. The model was ...

  14. Evolution of optically nondestructive and data-non-intrusive credit card verifiers (United States)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana


    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.

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


    Olivier André


    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.

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


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


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

  17. 31 CFR 587.408 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  18. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions. (United States)


    ... 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...

  19. Credit Cards: What You Don't Know Can Cost You! (United States)

    Detweiler, Gerri


    The role of credit cards in personal finance has increased dramatically over the past two decades. Complex interest computation methods and additional fees often boost the price of credit card loans and help make credit cards the most profitable type of consumer loan for many lenders. (Author/JOW)

  20. Credit cues and impression management: a preliminary attempt to explain the credit card effect. (United States)

    McCall, Michael; Trombetta, Jessica; Gipe, Aimee


    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.

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


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


    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...

  2. Credit card fraud detection using neural network and geolocation (United States)

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


    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.

  3. Loss given default models incorporating macroeconomic variables for credit cards


    Crook, J.; Bellotti, T.


    Based on UK data for major retail credit cards, we build several models of Loss Given Default based on account level data, including Tobit, a decision tree model, a Beta and fractional logit transformation. We find that Ordinary Least Squares models with macroeconomic variables perform best for forecasting Loss Given Default at the account and portfolio levels on independent hold-out data sets. The inclusion of macroeconomic conditions in the model is important, since it provides a means to m...

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


    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.

  5. A Cognitive Analysis of Credit Card Acquisition and College Student Financial Development. (United States)

    Kidwell, Blair; Turrisi, Robert


    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.…

  6. 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


    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.

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


    Jersák, Pavel


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

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

    Directory of Open Access Journals (Sweden)

    Sam Allgood


    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.


    Directory of Open Access Journals (Sweden)



    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.

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

    Directory of Open Access Journals (Sweden)

    Gary R. Mottola


    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.


    Directory of Open Access Journals (Sweden)



    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.

  12. Preventing the threat of credit-card fraud: Factors influencing cashiers' identification-checking behavior. (United States)

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


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

  14. Consumer Finance: College Students and Credit Cards. Report to Congressional Requesters. (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…

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

    Directory of Open Access Journals (Sweden)

    Maya Sari


    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. Relationships between College Students' Credit Card Debt, Undesirable Academic Behaviors and Cognitions, and Academic Performance (United States)

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


    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…

  17. Credit Card Solicitation Policies in Higher Education: Does "Protecting" Our Students Make a Difference? (United States)

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


    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)

  18. Determinants affecting consumer adoption of contactless credit card: an empirical study. (United States)

    Wang, Yu-Min


    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. Variables Influencing Credit Card Balances of Students at a Midwestern University (United States)

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


    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…

  20. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit... (United States)


    ... relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... Disclosure of returns and return information relating to payment of tax by credit card and debit card... processing credit card and debit card transactions to effectuate payment of tax as authorized by § 301.6311-2...

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

    Directory of Open Access Journals (Sweden)

    Sylva Alif Rusmita


    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. (United States)

    Setiono, Rudy; Baesens, Bart; Mues, Christophe


    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. (United States)

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


    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. Student Credit Card Debt in the 21st Century: Options for Financial Aid Administrators. (United States)

    Oleson, Mark


    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)


    Directory of Open Access Journals (Sweden)

    Aizzat Mohd. Nasurdin


    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.

  6. 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


    . 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....

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

    CSIR Research Space (South Africa)

    Von Solms, S


    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. (United States)

    Wiens, Janet


    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 (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. Credit Card Usage among Older Adults: Assessing Financial Literacy and Pressures (United States)

    St. Pierre, Eileen; Shreffler, Karina


    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…

  11. Buy It Now and Pay for It Later: An Experimental Study of Student Credit Card Use (United States)

    Fagerstrom, Asle; Hantula, Donald A.


    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…

  12. Trial of a "credit card" asthma self-management plan in a high-risk group of patients with asthma. (United States)

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


    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.

  13. Comment on McCall, Trombetta, and Gipe's 2004 proposed impression management explanation for the credit card effect. (United States)

    Spangenberg, Eric R


    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.

  14. An Application of Robust Method in Multiple Linear Regression Model toward Credit Card Debt (United States)

    Amira Azmi, Nur; Saifullah Rusiman, Mohd; Khalid, Kamil; Roslan, Rozaini; Sufahani, Suliadi; Mohamad, Mahathir; Salleh, Rohayu Mohd; Hamzah, Nur Shamsidah Amir


    Credit card is a convenient alternative replaced cash or cheque, and it is essential component for electronic and internet commerce. In this study, the researchers attempt to determine the relationship and significance variables between credit card debt and demographic variables such as age, household income, education level, years with current employer, years at current address, debt to income ratio and other debt. The provided data covers 850 customers information. There are three methods that applied to the credit card debt data which are multiple linear regression (MLR) models, MLR models with least quartile difference (LQD) method and MLR models with mean absolute deviation method. After comparing among three methods, it is found that MLR model with LQD method became the best model with the lowest value of mean square error (MSE). According to the final model, it shows that the years with current employer, years at current address, household income in thousands and debt to income ratio are positively associated with the amount of credit debt. Meanwhile variables for age, level of education and other debt are negatively associated with amount of credit debt. This study may serve as a reference for the bank company by using robust methods, so that they could better understand their options and choice that is best aligned with their goals for inference regarding to the credit card debt.

  15. The Relationship between Credit Card Use Behavior and Household Well-Being during the Great Recession: Implications for the Ethics of Credit Use (United States)

    Hunter, Jennifer L.; Heath, Claudia J.


    This article uses a random digit dial probability sample (N = 328) to examine the relationship between credit card use behaviors and household well-being during a period of severe economic recession: The Great Recession. The ability to measure the role of credit card use during a period of recession provides unique insights to the study of credit…


    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.

  17. The Learning Credit Card: A Tool for Managing Personal Development (United States)

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


    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,…

  18. The identification of credit card encoders by hierarchical cluster analysis of the jitters of magnetic stripes. (United States)

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


    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.

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

    Watson, Stevie


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

  20. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card. (United States)


    ... 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...

  1. A Hybrid Data Mining Approach for Credit Card Usage Behavior Analysis (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. Effect of Personal Financial Knowledge on College Students' Credit Card Behavior (United States)

    Robb, Cliff A.; Sharpe, Deanna L.


    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…

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


    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)

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

    Directory of Open Access Journals (Sweden)

    K. R. Seeja


    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.

  5. FraudMiner: a novel credit card fraud detection model based on frequent itemset mining. (United States)

    Seeja, K R; Zareapoor, Masoumeh


    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.

  6. Identity and privacy. Unique in the shopping mall: on the reidentifiability of credit card metadata. (United States)

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


    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.

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


    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.

  8. Approach to recognition of flexible form for credit card expiration date recognition as example (United States)

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


    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.

  9. Are information disclosure mandates effective? Evidence from the credit card market


    Elizondo, Alan; Seira, Enrique


    Consumer protection in financial markets in the form of information disclosure is high on governments agendas, despite the fact that the empirical evidence on its effectiveness is scarce. To measure the impact of Truth-in-Lending-Act-type disclosures on default and indebtedness, as well as of debiasing warning messages and social comparison information, we implement a randomized control trial in the credit card market for a large population of indebted cardholders. We find that providing sali...

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

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


    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.

  11. Graduation Credit Cards--Immediate Buy in, Immediate Payoff (United States)

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


    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…

  12. 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


    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.

  13. Credit Card Blues: The Middle Class and the Hidden Costs of Easy Credit. (United States)

    Hodson, Randy; Dwyer, Rachel; Neilson, Lisa


    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.

  14. Credit card debt, stress and key health risk behaviors among college students. (United States)

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


    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.

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

    Directory of Open Access Journals (Sweden)

    Daniel Evangelista Régis


    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.

  16. Plastic Clashes: Competition among Closed and Open Systems in the Credit Card Industry.


    Fabio M. Manenti; Ernesto Somma


    This paper analyses market competition between two different types of credit card platforms: not-for-profit associations and proprietary systems. The main focus is on the role of the interchange fee set by not-for-profit platforms. We show that when the interchange fee is set so as to maximise the sum of issuers' and acquirers' profits, the equilibrium values of platforms' profits, of the sum of the fees charged by each platform and their market shares are independent of the competitive condi...

  17. Internet cigarette vendor compliance with credit card payment and shipping bans. (United States)

    Williams, Rebecca S; Ribisl, Kurt M


    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.

  18. Credit Card Fraud Detection: A Realistic Modeling and a Novel Learning Strategy. (United States)

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


    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.

  19. One-Card Programs Boast Endless Options. (United States)

    Pearcey, Kevin


    Discusses how all-campus ID cards are easy to manage, enhance overall campus security, lower operating expenses, and provide a chance to build lasting relationships with the community by taking the card to off-campus businesses. (EV)

  20. Do Community Characteristics Relate to Young Adult College Students' Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy. (United States)

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


    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.

  1. Consumer credit card use: the roles of creditor disclosure and anticipated emotion. (United States)

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


    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 during a simulated online shopping trip, with some participants receiving standard disclosures of interest rates and money owed and with other participants receiving information under the new enhanced disclosure regulations. Results demonstrated support for the influence of anticipated affect in credit card use among both debtors and nondebtors and indicated that anticipated emotion may moderate the impact of the enhanced disclosure regulations. ((c) 2007 APA, all rights reserved).

  2. Effective Practices of Financial Education for College Students: Students' Perceptions of Credit Card Use and Financial Responsibility (United States)

    Anderson, Carla; Card, Karen


    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…

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

    Directory of Open Access Journals (Sweden)

    Eka Nugraha


    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.

  4. Playing the Smart Card. (United States)

    Zuzack, Christine A.


    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…

  5. A credit-card library approach for disrupting protein-protein interactions. (United States)

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


    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.

  6. An Analysis of the Credit Card Program Using Process Innovation

    National Research Council Canada - National Science Library

    Braney, Ronald


    .... The implementation of the Federal Acquisition Streamlining Act has placed more emphasis on allowing contracting officers to apply sound business judgment instead of blindly following detailed regulations and procedures...

  7. Fraud Detection in Credit Card Transactions; Using Parallel Processing of Anomalies in Big Data

    Directory of Open Access Journals (Sweden)

    Mohammad Reza Taghva


    Full Text Available In parallel to the increasing use of electronic cards, especially in the banking industry, the volume of transactions using these cards has grown rapidly. Moreover, the financial nature of these cards has led to the desirability of fraud in this area. The present study with Map Reduce approach and parallel processing, applied the Kohonen neural network model to detect abnormalities in bank card transactions. For this purpose, firstly it was proposed to classify all transactions into the fraudulent and legal which showed better performance compared with other methods. In the next step, we transformed the Kohonen model into the form of parallel task which demonstrated appropriate performance in terms of time; as expected to be well implemented in transactions with Big Data assumptions.

  8. Credit Recovery Programs. What Works Clearinghouse Intervention Report (United States)

    What Works Clearinghouse, 2015


    "Credit recovery programs" allow high school students to recover course credit, through in-school, online, or mixed modes, for classes they previously failed. The WWC reviewed the research on these programs and their impacts on middle school, junior high school, or high school students at risk of dropping out or who have already dropped…

  9. The Fiscal Impact of the Kentucky Education Tax Credit Program (United States)

    Gottlob, Brian J.


    This study examines the fiscal impact of a proposal to create a personal tax credit for educational expenses and a tax-credit scholarship program in Kentucky. It finds that the actual fiscal impact of the program would be much less than its nominal dollar size, due to the reduced public school costs resulting from migration of students from public…

  10. Picture This: How to Establish an Effective School ID Card Program (United States)

    Finkelstein, David


    Most school districts do not have an ID card policy that everyone knows and follows, yet. many school districts are implementing ID card programs to address concerns about safety, efficiency, and convenience. A well-thought-out ID card program leads to greater security and smoother operations throughout the school and should thus be a priority.…

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


    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 Java achievable in smartcard programming. In particular, efforts towards evaluating Java Card implementations at a high level of assurance may be hampered by the presence of these differences as wel...

  12. 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

  13. Enhanced rearrangement technique for secure data transmission: case study credit card process (United States)

    Vyavahare, Tushar; Tekade, Darshana; Nayak, Saurabh; kumar, N. Suresh; Blessy Trencia Lincy, S. S.


    Encryption of data is very important in order to keep the data secure and make secure transactions and transmission of data. Such as online shopping. whenever we give our card details there is possibility of data being hacked or intruded. So to secure that we need to encrypt the data and decryption strategy should be known only to that particular bank. Therefore to achieve this objective RSA algorithm can be used. Where only intended sender and receiver can know about the encryption and decryption of data. To make the RSA technique more secure in this paper we propose the technique we call it Modified RSA. for which a transposition module is designed which uses Row Transposition method to encrypt the data. Before giving the card details to RSA the input will be given to this transposition module which will scrambles the data and rearranges it. Output of transposition will be then provided to the modified RSA which produces the cipher text to send over the network. Use of RSA and the transposition module will provide the dual security to whole system.

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


    ... members to stimulate economic activities in their communities. Through the OSCUI Grant Program, NCUA... March, 15, 2013 OSCUI will accept applications from credit unions under the Collaboration Initiative..., scalable, replicable and cost-saving collaboration. Under this initiative a single LICU must collaborate...

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

  16. FORTRAN text correction with the CDC-1604-A console typewriter during reading a punched card program

    International Nuclear Information System (INIS)

    Kotorobaj, F.; Ruzhichka, Ya.; Stolyarskij, Yu.V.


    The paper describes FORTRAN text correction with the CDC 1604-A console typewriter during reading a punched card program. This method gives one more possibility of FORTRAN program correction during program's input to the CDC 1604-A computer. This essentially reduced the time necessary for punched card correction with other methods. Possibility of inputting desired number of punched cards one after another allows one writing small FORTRAN programs to computer core storage with simultaneous punching of the cards. The correction program has been written to the CDC 1604 COOP monitor

  17. 76 FR 68841 - New Markets Tax Credit Program (United States)


    ... DEPARTMENT OF THE TREASURY Community Development Financial Institutions Fund New Markets Tax Credit Program AGENCY: Community Development Financial Institutions Fund, U.S. Department of the Treasury... Financial Institutions Fund (CDFI Fund) and the Internal Revenue Service (IRS). All materials submitted will...

  18. A smart card based student card system



    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...

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


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


    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 a case vs. c...

  20. Mobil emission reduction credits for natural gas vehicle programs

    International Nuclear Information System (INIS)

    Baker, G.F.


    Since the passage of the Clean Air Act Amendments in 1990, there has been increasing interest among regulators and business interests alike in innovative, market-based strategies to air quality control. In particular, larger metropolitan areas have begun to examine marketable emission reduction credit (ERC) programs. These programs limit the total allowable emissions in a non-attainment area, allocate these emission open-quotes creditsclose quotes among sources in the region, and allow the sources to redistribute their allowances through trading. This approach provides for the most cost-effective distribution of control burdens among affected sources, taking advantage of the differences in marginal control costs. Some control measures applied to mobile sources may be significantly less expensive than those applied to stationary sources, making mobile sources an excellent candidate for inclusion in an ERC program. However, there are several potential problems involving quantification, enforcement, and credit trading issues that hinder the development of mobile source ERC programs. This paper will evaluate those obstacles and discuss how they are being addressed in a Natural Gas Vehicle (NGV) program currently under development for the Houston ozone non-attainment area. Specifically, the study will outline the credit validation (i.e., quantification) procedure, including baseline emission determination and emission testing for each NGV in the program. In addition, the study will describe the vehicle/fuel consumption tracking system, and discuss issues related to credit trading with stationary sources. Finally, observations are made concerning the applicability of mobile ERC programs for other emission control measures such as old vehicle scrappage and vehicle Inspection and Maintenance programs

  1. Effectiveness of state and federal government agreements with major credit card and shipping companies to block illegal Internet cigarette sales. (United States)

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


    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.

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

    Directory of Open Access Journals (Sweden)

    林育廷 Yu-Ting Lin


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

  3. 78 FR 23775 - Notice of Proposed Information Collection; Comment Request: Tax Credit Assistance Program (TCAP) (United States)


    ... Information Collection; Comment Request: Tax Credit Assistance Program (TCAP) AGENCY: Office of the Chief... information: Title of Proposed: Tax Credit Assistance Program (TCAP). OMB Approval Number: 2506-0181. Form Numbers: None. Description of the need for the information and proposed use: Tax Credit Assistance Program...

  4. DoD Purchase Card Program Audit Coverage

    National Research Council Canada - National Science Library


    .... We prepared this summary report at the request of the Director, Defense Procurement to provide a central repository of purchase card audit report findings and to identify misuse trends and problems...

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

    Directory of Open Access Journals (Sweden)

    Kurt M Ribisl


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

  6. Implementing Smart Cards into the Air Force Reserve

    National Research Council Canada - National Science Library

    McClannan, Keith


    Smart card technology is essentially about a credit card with a brain, Smart cards have an embedded microchip that allows the card to hold digital data up to the available memory installed on the card...

  7. Implementing Smart Cards into the Air Force Reserve

    National Research Council Canada - National Science Library

    McClannan, Keith


    Smart card technology is essentially about a credit card with a brain. Smart cards have an embedded microchip that allows the card to hold digital data up to the available memory installed on the card...

  8. Notification: Review of the U.S. Environmental Protection Agency's Purchase Card and Convenience Check Program (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. Notification: Fiscal Year 2015 Risk Assessment of EPA's Purchase Card and Convenience Check Programs (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.

  10. Credit. 1991-92 NCCE/AT&T Projects. Consumer Education Programs. (United States)

    Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

    Summaries are provided of 37 projects that address the credit education and information needs of consumers. The projects are supported by AT&T Universal Card Services Corp. through a fund managed by the National Coalition for Consumer Education. Each summary provides a project description, grant recipient, and address/telephone number. The…

  11. An Empirical Evaluation of the Florida Tax Credit Scholarship Program. School Choice Issues in the State (United States)

    Forster, Greg; D'Andrea, Christian


    This study examines the Florida Tax Credit Scholarship program, one of the nation's largest school choice programs. It is the first ever completed empirical evaluation of a tax-credit scholarship program, a type of program that creates school choice through the tax code. Earlier reports, including a recent one on the Florida program, have not…

  12. 76 FR 55946 - Comment Request for Information Collection for the Work Opportunity Tax Credit (WOTC) Program... (United States)


    ... Opportunity Tax Credit (WOTC) Program: Extension With Non-Substantive Revisions AGENCY: Employment and..., ``Certification Workload and Characteristics of Certified Individuals, Work Opportunity Tax Credit'' and provided... submit this report using the Internet-based Tax Credit Reporting System of the Enterprise Business...

  13. 75 FR 75693 - Tax Credit Assistance Program-Reallocation of Funds (United States)


    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5448-N-01] Tax Credit Assistance... the Reallocation of Tax Credit Assistance Program (TCAP) funds. This funding opportunity makes approximately $16 million available to assist housing projects that received Low Income Housing Tax Credit...

  14. 78 FR 4875 - Office of Small Credit Unions (OSCUI) Loan Program Access for Credit Unions (United States)


    ... credit union's marketing strategy to reach members and the community; and include financial projections... required to obtain matching funds. However, each Applicant should address in the Application its strategy...) Matching Funds: A narrative describing its strategy for raising matching funds from non-federal sources if...

  15. 78 FR 33445 - Office of Small Credit Unions (OSCUI) Grant Program Access For Credit Unions (United States)


    ... hardware and software necessary to convert to computerized operations. The maximum award amount for this...,000 per credit union for financial education projects that improve financial capability in the... found on D&B's Web site at or by calling D&B, toll-free, at 1-866-705-5711...

  16. 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


    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.

  17. 76 FR 67287 - Alternative Fuel Transportation Program; Alternative Fueled Vehicle Credit Program (Subpart F... (United States)


    ... additional credits for the use of biodiesel in blends of 20 percent biodiesel or greater and have provided an... discussion in Part II.A), the original program based upon AFV acquisitions and biodiesel use became known as... example, B20 (a 20 percent blend of biodiesel with 80 percent petroleum diesel) is not an alternative fuel...

  18. Growth in Means-Tested Programs and Tax Credits for Low-Income Households (United States)

    Carrington, William; Dahl, Molly; Falk, Justin


    The federal government devotes roughly one-sixth of its spending to 10 major means-tested programs and tax credits, which provide cash payments or assistance in obtaining health care, food, housing, or education to people with relatively low income or few assets. Those programs and credits consist of the following: (1) Medicaid; (2) the low-income…

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

  20. Identifying Procurement Fraud in Defense Agencies: An Analysis of the Government Purchase Card Program (United States)


    fielding, contracting, interoperability, organizational behavior, risk management , cost estimating, and many others. Approaches range from... COSO ), (Whittington & Pany, 2012). In addition, the Federal Financial Management Improvement Act of 1996 identified internal control as an...fraud indicators within the DoD Government Purchase Card Programs and provides recommendations for improving the management of Government Purchase

  1. Wallet Card (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. The "We Card" program: tobacco industry "youth smoking prevention" as industry self-preservation. (United States)

    Apollonio, Dorie E; Malone, Ruth E


    The "We Card" program is the most ubiquitous tobacco industry "youth smoking prevention" program in the United States, and its retailer materials have been copied in other countries. The program's effectiveness has been questioned, but no previous studies have examined its development, goals, and uses from the tobacco industry's perspective. On the basis of our analysis of tobacco industry documents released under the 1998 Master Settlement Agreement, we concluded that the We Card program was undertaken for 2 primary purposes: to improve the tobacco industry's image and to reduce regulation and the enforcement of existing laws. Policymakers should be cautious about accepting industry self-regulation at face value, both because it redounds to the industry's benefit and because it is ineffective.

  3. Measuring Success in Your Fuels Program: From the Report Card to Valuable Learning (United States)

    Paula Nasiatka; David Christenson


    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...



    Low, Sarah A.


    This paper estimated the fiscal impact of a job creation tax credit, a proposed incentive for establishments participating in the Indiana enterprise zone program. State unemployment insurance files were utilized with GIS to obtain enterprise zone data. Labor demand and labor supply were estimated. Job creation due to the credit was calculated from empirical results.

  5. 12 CFR 202.8 - Special purpose credit programs. (United States)


    ... requirements of paragraph (a) of this section, a creditor may request and consider information regarding the... the case of financial need. If financial need is one of the criteria under a special purpose credit.... Subject to the provisions of paragraph (b) of this section, the Act and this regulation permit a creditor...

  6. The Effects of the Activation of Money and Credit Card vs. that of Activation of Spirituality - Which One Prompts Pro-Social Behaviours? (United States)

    Wierzbicki, Jakub; Zawadzka, Anna Maria

    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.

  7. Programming a DSP card for generating an ECG signal with possibility of anomalies

    International Nuclear Information System (INIS)

    Hamrouni, Sayma


    This project consists of programming a DSP designed to generate an ECG signal with a probability of anomaly. To begin with, we get to know the characteristics of a DSP card and its architecture. As a second step, we programmed the DSP32C using the compiler D3CC associated with Textpad in order to obtain an analog signal in the respective outputs. And then finally, we developed a graphical user interface using the programming software LabVIEW that aims controlling the good operation of DSP. The tests previously made have proved the good operation of the application.

  8. The Effect of Graduation Coaches and Credit Recovery Programs on the Dropout Rate of At-Risk Grade 9 Students (United States)

    Bowling, Jan


    The objective of this study was to identify the characteristics of effective graduation coaches (GCs) and credit recovery programs and explain the influence of a GC and a credit recovery program on Grade 9 students at risk of dropping out. The purpose of this study was to determine whether a high school GC and enrollment in a credit recovery…

  9. 78 FR 77721 - Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions (United States)


    ... any success or failure to meet objectives for use of proceeds, outcome, or impact. NCUA, in its sole... availability. The OSCUI Grant Program serves as a source of financial support, in the form of technical... provides financial support in the form of technical assistance grants to LICUs. These funds help improve...

  10. Evaluation of Achieving a College Education Plus: A Credit-Based Transition Program (United States)

    Luna, Gaye; Fowler, Michael


    This ex post facto study evaluated Achieving a College Education (ACE) Plus program, a credit-based transition program between a high school district and a community college. Achieving a College Education Plus is an early outreach program. It is designed to aid at-risk students in graduating from high school and making a smooth transition to…

  11. The Tax-Credit Scholarship Audit: Do Publicly Funded Private School Choice Programs Save Money? (United States)

    Lueken, Martin F.


    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…

  12. CMS Wallet Card (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. Imaging standards for smart cards (United States)

    Ellson, Richard N.; Ray, Lawrence A.


    "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 will review 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 will conclude 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.

  14. Non-Religion-Based State Constitutional Challenges to Educational Voucher and Tax Credit Programs (United States)

    Green, Preston C., III


    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…

  15. Does Competition Improve Public Schools? New Evidence from the Florida Tax-Credit Scholarship Program (United States)

    Figlio, David; Hart, Cassandra M. D.


    Programs that enable students to attend private schools, including both vouchers and scholarships funded with tax credits, have become increasingly common in recent years. This study examines the impact of the nation's largest private school scholarship program on the performance of students who remain in the public schools. The Florida Tax Credit…

  16. 12 CFR 561.12 - Consumer credit. (United States)


    ...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 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...

  17. 76 FR 57940 - CCC Export Credit Guarantee (GSM-102) Program (United States)


    ...: Federal eRulemaking Portal: Go to . Follow the online instructions to . SUPPLEMENTARY INFORMATION: Background On July 27, 2011, CCC published a proposed rule titled... revised program controls to improve program quality, reduce costs, and protect against waste and fraud...

  18. Effects of expiration of the Federal energy tax credit on the National Photovoltaics Program (United States)

    Smith, J. L.


    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.

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

    Directory of Open Access Journals (Sweden)

    Seyed Mahdi Sadatrasou


    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.

  20. 7 CFR 1955.117 - Processing credit sales on program terms (housing). (United States)


    ... (housing). The following provisions apply to all credit sales on program terms: (a) Offers. Form FmHA or its successor agency under Public Law 103-354 1955-45 will be used to document the offer and acceptance for regular FmHA or its successor agency under Public Law 103-354 sales. The contract is accepted...

  1. The use of burnup credit in criticality control for the Korean spent fuel management program

    International Nuclear Information System (INIS)

    Koh, Duck Joon; Chon, Je Keun; Park, Chung Ryul; Ji, Pyung Kuk; Kim, Byung Tae; Jo, Chang Keun; Cho, Nam Zin


    More than 25% k-eff saving effect is observed in this burnup credit analysis. This mainly comes from the adoption of actinide nuclides and fission products in the criticality analysis. By taking burnup credit, the high capacity of the storage and transportation can be more fully utilized, reducing the space of storage and the number of shipments. Larger storage and fewer shipments for a given inventory of spent fuel result should in remarkable cost savings and more importantly reduce the risks to the public and occupational workers for the Korean Spent Fuel Management Program

  2. On Common Constitutional Ground: How Georgia's Scholarship Tax Credits Mirror Other State Programs and Expand Educational Opportunity (United States)

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


    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…

  3. Moving beyond Debate: Support for CACREP's Standard Requiring 60 Credit Hours for School Counseling Programs (United States)

    Merlin, Clare; Pagano, Timothy; George, Amanda; Zanone, Cassandra; Newman, Benjamin


    The Council for Accreditation of Counseling and Related Educational Programs (CACREP) recently released its 2016 standards. Included in these standards is a requirement for school counseling master's programs to have a minimum of 60 credit hours by the year 2020. This credit hour requirement is an increase from the previous 48-hour requirement and…

  4. 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 (United States)

    Touchstone, Allison J. L.


    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…

  5. [The Purpose of Medical Education: Proposal to Standardize a System of Credits for Medical Specializations Programs]. (United States)

    Cañar, Carlos Andrés Pineda


    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.

  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. Credit Management System (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...

  8. Developing educational competencies for dissemination and implementation research training programs: an exploratory analysis using card sorts. (United States)

    Padek, Margaret; Colditz, Graham; Dobbins, Maureen; Koscielniak, Nikolas; Proctor, Enola K; Sales, Anne E; Brownson, Ross C


    With demand increasing for dissemination and implementation (D&I) training programs in the USA and other countries, more structured, competency-based, and tested curricula are needed to guide training programs. There are many benefits to the use of competencies in practice-based education such as the establishment of rigorous standards as well as providing an additional metrics for development and growth. As the first aim of a D&I training grant, an exploratory study was conducted to establish a new set of D&I competencies to guide training in D&I research. Based upon existing D&I training literature, the leadership team compiled an initial list of competencies. The research team then engaged 16 additional colleagues in the area of D&I science to provide suggestions to the initial list. The competency list was then additionally narrowed to 43 unique competencies following feedback elicited from these D&I researchers. Three hundred additional D&I researchers were then invited via email to complete a card sort in which the list of competencies were sorted into three categories of experience levels. Participants had previous first-hand experience with D&I or knowledge translation training programs in the past. Participants reported their self-identified D&I expertise level as well as the country in which their home institution is located. A mean score was calculated for each competency based on their experience level categorization. From these mean scores, beginner-, intermediate-, and advanced-level tertiles were created for the competencies. The card sort request achieved a 41 % response rate (n = 124). The list of 43 competencies was organized into four broad domains and sorted based on their experience level score. Eleven competencies were classified into the "Beginner" category, 27 into "Intermediate," and 5 into "Advanced." Education and training developers can use this competency list to formalize future trainings in D&I research, create more evidence

  9. Relationship between Credit Recovery Programs and Graduation Rates for At-Risk Students on the Navajo Indian Reservation (United States)

    Fahey, John M.


    Low graduation rates of high school students are a problem for the Native American community. One possible solution for low graduation rates is a credit recovery program that may assist Native American students to recover credit not earned in their early high school years. The purpose of this study was to examine the effectiveness of a credit…

  10. 76 FR 53362 - Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs (United States)


    ... marketing activities, and to farm-related businesses. The Farm Credit banks collectively issue debt... institutions. The four farm credit banks, one agricultural credit bank (hereinafter collectively referred to as the Farm Credit banks), and their direct lender associations (the Agricultural Credit Associations...

  11. 26 CFR 301.6511(d)-7 - Overpayment of income tax on account of work incentive program credit carryback. (United States)


    ... or refund related to an overpayment of income tax attributable to a work incentive program (WIN... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Overpayment of income tax on account of work incentive program credit carryback. 301.6511(d)-7 Section 301.6511(d)-7 Internal Revenue INTERNAL REVENUE...

  12. Payment Cards

    Directory of Open Access Journals (Sweden)

    Kantnerová Liběna


    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.

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

    Directory of Open Access Journals (Sweden)

    Renata Giovinazzo Spers


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

  14. Health smart cards: merging technology and medical information. (United States)

    Ward, Sherry R


    Smart cards are credit card-sized plastic cards, with an embedded dime-sized Integrated Circuit microprocessor chip. Smart cards can be used for keyless entry, electronic medical records, etc. Health smart cards have been in limited use since 1982 in Europe and the United States, and several barriers including lack of infrastructure, low consumer confidence, competing standards, and cost continue to be addressed.

  15. Transition to Community College: The Journey of Adult Basic Education English Learners from Non-Credit to Credit Programs (United States)

    Csepelyi, Tunde


    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…

  16. Optical smart card using semipassive communication. (United States)

    Glaser, I; Green, Shlomo; Dimkov, Ilan


    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.

  17. 78 FR 79253 - CCC Export Credit Guarantee (GSM-102) Program and Facility Guarantee Program (FGP) (United States)


    ... been worked out in advance of the exporter's application for the payment guarantee. Foreign Financial... country of domicile must provide financial statements in accordance with prevailing accounting standards... smaller U.S. exporters. Changes are also intended to improve CCC's financial management of the program...

  18. The Fiscal Impact of a Corporate & Individual Tax Credit Scholarship Program on the State of Indiana. School Choice Issues in the State (United States)

    Stuit, David


    Indiana legislators are currently debating the merits of a proposal to adopt a statewide tuition scholarship tax credit program. The proposed program would make available $5 million in tax credits that businesses and individuals could claim by making donations to non-profit Scholarship Granting Organizations (SGOs). SGO donations would be matched…

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

    Directory of Open Access Journals (Sweden)

    Ryan Jacildo


    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.

  20. Java Card for PayTv Application


    Dutta, Pallab


    Smart cards are widely used along with PayTV receivers to store secret user keys and to perform security functions to prevent any unauthorized viewing of PayTV channels. Java Card technology enables programs written in the Java programming language to run on smart cards. Smart cards represent one of the smallest computing platforms in use today. The memory configuration of a smart card are of the order of 4K of RAM, 72K of EEPROM, and 24K of ROM. Using Java card provides advantages to the ind...


    Directory of Open Access Journals (Sweden)

    Henrique Rocha de Medeiros


    Full Text Available The PRONAF is a government program that subsidies the credit for investment to smallholder farming and improves the social development in Brazil. This research was carried out to evaluate the effect of increasing the value of credit for investment used for the PRONAF farmers in semiarid areas, and their impact on the income and labor in the smallholder farming production systems. Economic data of dairy and meat goat systems of PRONAF farmes in ";;;;;Rio Grande do Norte";;;;;, Brazil was used. The limits of the model were the credit for investment, maximum number of animals in the system and the labor time. The current value of credit for investment (US$2,850.00 was increased by 25%, 50% and 100% and its impact in the farm income analized when considering milk and meat production. The maximum number of animals in the system was estimated by multiplying the carrying capacity (1.5 heads/ha/year plus the average pasture areas of PRONAF farms (35 ha. The maximum labor time available for work was 12 hours/day. This mathematical model was solved using linear programming with LINDO(R Software. When the credit for investment was expanded in 25% and 50%, the income of the system increased to 22% and 41%, respectively. It happened because the value of the credit allowed also enhance the number of dairy goats in the system. However, this income was not enough to use and pay more than 5 hours/day in dairy goat system activities. By raising the credit for investment up to 100% it would increase the income of the system around 81%. It happened because the number of dairy goats went up to 83% and the dairy production was had better results than meat production. The system with more dairy goats enough incme to pay the farmer labor (7 hours/day and during the other five g¿hours could develop another activity. Therefore, the results of the analysis indicated that an increase in the credit for investment in small goat farms in semi-ard areas in Brazil

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


    Adel I. Al-Alawi; Mohammed A. Al-Amer


    SmartCards are one of the latest additions to the continuing list of advancements and innovations in the world of information and communication technology. A SmartCard resembles in size and shape to a normal credit card or bank ATM card, with a microprocessor chip implanted into the plastic card. These cards are used not just as identity cards, like the earliest versions of such cards, but hold a relatively huge amount of editable information including the card holder's bank data, e-purse, fi...

  3. 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


    ... 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...

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

    International Nuclear Information System (INIS)

    Dreifus, H.N.


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

  5. National program of family farm credit and impact on local economies in the state of Parana

    Directory of Open Access Journals (Sweden)

    Rodrigo Lopes Antunes


    Full Text Available The aim of this paper is to analyze the impact of the national credit for family farmers (PRONAF in savings of 60 municipal districts that hired credit between 2000 and 2005. The development of rural credit shows that from the 1990s, there is an expansion of contracts and resources, intensification occurs after 1999, when he introduces the distinction between family farmers. Family farming has great importance for the state economy, accounting for 45% of the production of major crops and 65% of animals. The study is empirical in nature econometric cross-section, is to determine the effect of PRONAF resources on social, tax and productive state. We conclude that there are statistically significant relationships between PRONAF and the variables selected for analysis and that after 13 years of its institutionalization, continues to fulfill the objective of promoting the development of family farming.

  6. Dual Credit Report (United States)

    Light, Noreen


    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…

  7. 7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers. (United States)


    ... determine their ability to graduate. (f) Sending prospectus information to lenders. (1) The Agency will... Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d... must submit a year-end balance sheet, actual financial performance information for the most recent year...

  8. Credit with Education and Title II Programs. Technical Note. Food and Nutrition Technical Assistance. (United States)

    Reid, Helen

    "Credit with Education" is a way to provide self-financing microfinance (or small-scale banking) to women, primarily in very poor rural areas, while at the same time providing education for business and family survival. Within the village banking environment, attempts to integrate education with village bank meetings have fallen into two…

  9. Smart Card

    Directory of Open Access Journals (Sweden)

    Floarea NASTASE


    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.

  10. BHI Purchase Card System user's guide

    International Nuclear Information System (INIS)

    Mehden, P. von der.


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

  11. 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


    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

  12. 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

  13. 7 CFR 4280.139 - Credit quality. (United States)


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

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

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.


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

  15. International images: business cards. (United States)

    Gaston, S; Pucci, J


    Nursing specialists engage in a variety of international professional activities. Business cards are an important aspect of establishing a professional image. This article presents recommended business card contents, international etiquette, card design and production, and cared innovations.

  16. Do You Take Credit Cards? Security and Compliance for the Credit Card Payment Industry (United States)

    Willey, Lorrie; White, Barbara Jo


    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…

  17. 78 FR 45494 - Notice of Second Sugar Purchase and Exchange for Re-export Program Credits (United States)


    ... have saved CCC $66.9 million in Sugar Program costs by reducing the amount of sugar loan collateral... collateral for CCC loan, as the purpose of this action is to reduce the forfeitures of loan collateral under... of later acquiring the sugar through loan forfeiture under the Sugar Program. The purchase invitation...

  18. Pricing of payment cards, competition, and efficiency : A possible guide for SEPA

    NARCIS (Netherlands)

    Bolt, Wilko; Schmiedel, Heiko


    This paper analyzes equilibrium pricing of payment cards and welfare consequences of payment card competition. In particular, we model competition between debit and credit cards. The paper argues that optimal consumer and merchant fees must take safety, income uncertainty, default risk, and the

  19. New Optical Card for Sneaker’s Network in Place of Electronic Clinical Record (United States)

    Goto, Kenya; Satsukawa, Takatoshi; Chiba, Seisho; Ohmori, Takaaki


    In order to solve problems in electronic medical records, a new optical card of the digital versatile disk (DVD) type with higher capacity and lower cost than conventional compact disc recording (CD-R)-type cards has been developed, which is thinner, stronger and wearable like a credit card.

  20. 75 FR 52393 - Proposed Data Collection; Comment Request: New Markets Tax Credit (NMTC) Program-Allocation... (United States)


    ... DEPARTMENT OF THE TREASURY Community Development Financial Institutions Fund Proposed Data... Institutions (CDFI) Fund, Department of the Treasury, is soliciting comments concerning the New Markets Tax... comments to Rosa Martinez, Acting NMTC Program Manager, Community Development Financial Institutions Fund...

  1. 12 CFR 227.26 - Unfair charging of security deposits and fees for the issuance or availability of credit to... (United States)


    ... consumer credit card accounts. (a) Limitation for first year. During the first year, a bank must not charge... billing cycle, the bank must not charge to a consumer credit card account security deposits and fees for... for the issuance or availability of credit permitted by paragraph (a) of this section must be charged...


    Directory of Open Access Journals (Sweden)

    Natalya P. Anoshkina


    Full Text Available The paper is devoted to the problem of credit loss management topical for modern Russian science and banking practice. The bank’s lending activity is an integral and the most profitable sphere of banking activity. Banks need to take credit risks inherent in their core business and minimize their impact through the establishment of advanced risk management systems. The study, reflected in the present paper, has been conducted in order to determine approaches to the organization of credit loss management in banking. Analysis of the system of management of credit risks and credit losses has shown that they have different scope, object and purpose. In this connection, there is an objective necessity to create a special subsystem for the management of credit losses in banks. On the basis of common bank approaches to credit risk management, the paper develops models of credit loss management: a multi-level management model in the area of ‘operational-tactical-strategic management’ and a functional management model in the area of ‘technology-execution-control’. These models are important for the modern theory and practice of banking, as they allow the bank to manage credit losses on the entire time horizon of the management process, thus opening a wide range of opportunities for the creation and implementation of large-scale programs, as well as specific techniques. This study allows drawing a conclusion about the need to consider control credit losses as a strictly regulated multi-level process, in which each division is assigned with specific objectives, tasks, functions, formally enshrined in the relevant lists, job descriptions and other legal documents.

  3. The Effects of Credit Status on College Attainment and College Completion


    Gicheva, Dora; Ionescu, Felicia; Simpson, Nicole B.


    College students now use various forms of unsecured credit such as private student loans and credit cards to finance college. Access to these credit lines and the interest rates charged on these loans can vary significantly across credit scores. In this paper, we analyze if credit status, as measured by self-reported characteristics of an individual's credit standing, affects college investment. Using data from the Survey of Consumer Finances, we study a sample of young high school graduates ...

  4. Introduction of card payment system in a merchant company


    Štrukelj, Anja


    The thesis is about PCI DSS, which stands for Payment Card Industry Data Security Standard. PCI DSS represents a uniőed approach to the protection of sensitive card data and to prevention of abuses in the payment card industry. Implementation of the standard in the company provides a higher level of security, it maintains conődence, protection against abuse and consequently protection against őnancial losses and loss of reputation. When paying with credit cards, the őrst lin...

  5. A Study of At-Risk Students' Perceptions of an Online Academic Credit Recovery Program in an Urban North Texas Independent School District (United States)

    Buckley, Mychl K.


    The purpose of this research study was to describe and analyze at-risk high school students' perceptions of their experiences with online academic credit recovery classes offered to them through an urban school district's dropout prevention department. The review of literature concerning curricula for online programs revealed that the variety of…

  6. 49 CFR 260.13 - Credit reform. (United States)


    ... appropriations, direct payment of a Credit Risk Premium by the Applicant or a non-Federal infrastructure partner... 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...

  7. Funding School Choice: A Road Map to Tax-Credit Scholarship Programs and Scholarship Granting Organizations. Issues in Depth (United States)

    Forster, Greg


    Many states are considering a form a school choice known as "tax-credit scholarships," which currently provide school choice to almost 60,000 students in Arizona, Florida and Pennsylvania, which and have just been enacted in Iowa. This guide shows how tax-credit scholarships work and introduces the scholarship granting organizations that…


    CERN Multimedia

    Division du Personnel


    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


    CERN Multimedia

    Human Resources Division


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

  10. 76 FR 43393 - Debit Card Interchange Fees and Routing (United States)


    ... programs and certain reloadable, general-use prepaid cards not marketed or labeled as a gift card or gift... evolved to support payments made by consumers for the purchase of goods or services at merchants... of the purchase transaction. Debit cards are generally issued by depository institutions to their...

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

  12. CERNET Interface Card

    CERN Multimedia


    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.

  13. Unraveling a Card Trick (United States)

    Hoare, Tony; Shankar, Natarajan

    In one version of Gilbreath's card trick, a deck of cards is arranged as a series of quartets, where each quartet contains a card from each suit and all the quartets feature the same ordering of the suits. For example, the deck could be a repeating sequence of spades, hearts, clubs, and diamonds, in that order, as in the deck below.

  14. The SMile Card: a computerised data card for multiple sclerosis patients. SMile Card Scientific Board. (United States)

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


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

  15. Notification: Purchase Card and Convenience Check Audit (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.

  16. Waiting for tax credits

    International Nuclear Information System (INIS)

    Sheinkopf, K.


    This article examines the effect of tax credits and related legislation under consideration by Congress on the economics of the renewable energy industry. The topics discussed in the article include conflicting industry opinion on financial incentives, the effectiveness of current incentives, and alternative approaches. The article also includes a sidebar on tax incentives offered by state programs

  17. Data card system for filmless radiography

    International Nuclear Information System (INIS)

    Siedband, M.P.


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

  18. The Development and Structure of Consumer Credit in Japan (United States)


    customers . The president of Fuji Bank admitted recently that fear of bad debts had kept banks from vigorously exploiting the consumer market. He called...a lower income, working class shopper to a younger, credit-using customer . In early 1988, Marui had issued 9.6 million credit cards. 16 Its annual...the young consumer . In 1986, 83 percent of sales were to customers in their twenties.’ 7 With nearly 70 percent of its sales made on credit, interest

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

    Energy Technology Data Exchange (ETDEWEB)


    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

  20. Laminated dosimetric card

    International Nuclear Information System (INIS)

    Cox, F.M.; Chamberlain, J.D.; Shrader, E.F.; Shoffner, B.M.; Szalanczy, A.


    A laminated card with one or more apertures, each adapted to peripherally seal an encapsulated dosimeter, is formed by bonding a foraminous, code-adaptable, rigid sheet of low-Z material with a codedly transparent sheet of low-Z material in light-transmitting registry with particular code-holes of the rigid sheet. The laminated card may be coded to identify the person carrying it, and/or the location or circumstances related to its exposure to radiation. This card is particularly adapted for use in an instrument capable of evaluating a multiplicity of cards, substantially continuously. The coded identification from the card may be displayed by an appropriate machine, and if desired an evaluation may be recorded because of a ''parity checking'' system incorporated in each card, which permits ''auto-correction.'' Alternatively, where means for effecting the correction automatically are available, the operation of the machine may be interrupted to permit visual examination of a rejected card. The card of this invention is also coded for identifying the type of card with respect to its specific function, and whether or not a card is correctly positioned at any predetermined location during its sequential progress through the instrument in which it is evaluated. Dosimeters are evaluated and the card identified in one pass through the instrument. (auth)

  1. 12 CFR 220.124 - Installment sale of tax-shelter programs as “arranging” for credit. (United States)


    ... benefits, and become subject to the risks of ownership at the time the contract is made, although the full...) of Regulation T provides that: A creditor [broker or dealer] may arrange for the extension or maintenance of credit to or for any customer of such creditor by any person upon the same terms and conditions...

  2. High-Risk Health and Credit Behavior among 18- to 25-Year-Old College Students (United States)

    Adams, Troy; Moore, Monique


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


    Directory of Open Access Journals (Sweden)

    Khetagurov G. V.


    Full Text Available The article is devoted to basics and the regulation problems of the modern payment cards market. In particular, it addresses the key participants in a payment system, which include the Central Bank, credit organizations, settlement and clearing centers. The paper explores the basic functions of the participants. The author analyzes approaches of card payment systems to development and implementation monitoring of standards and regulations relative to the technology: hardware and software, communication channels, etc. The article contains analysis of information exchange in the framework of payment cards market and specific features of the design and development of a payment infrastructure. It discusses the economic model of the payment cards market, which is based on commission payments. The paper describes the key fees. At the final stage of the study, the author examines the role of different global regulators in the payment card market, conducts an analysis of the foundations of the Russian legislation regulating this market.

  4. Biometrics and smart cards combine to offer high security

    International Nuclear Information System (INIS)

    Seidman, S.


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

  5. The mother's card: a simplified aid for primary health workers. (United States)

    Shah, K P; Shah, P M


    The Mother's Card and its use are described. The card is filled out by the health worker and provides data on the mother concerning family planning, menstrual cycles, pregnancy period (including whether at risk, state of nutrition, immunization against tetanus, and expected date of birth), and breastfeeding. The card is kept by the mother, and the health worker keeps a copy. Each card has space for 10 years and up to 4 pregnancies. The cards have been used successfully in India since 1976 and in Somalia since early 1980, and were useful in strengthening family planning programs as well as identifying pregnancies at risk for special attention.

  6. PURCHASE CARDS. Continued Control Weaknesses Leave Two Navy Units Vulnerable to Fraud and Abuse

    National Research Council Canada - National Science Library


    .... Key improvements included reductions in the number of cardholders, an increase in the number of approving officials, an overall decrease in the aggregate monthly credit limits, and a decrease in purchase card usage...

  7. CERN access cards

    CERN Multimedia

    HR Department


    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.

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

    Directory of Open Access Journals (Sweden)

    John O' Raw


    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.

  9. Markets: Gift Cards


    Jennifer Pate Offenberg


    The Mobil Oil Company introduced the first retail gift card that recorded value on a magnetic strip in 1995. In under a decade, such gift cards replaced apparel as the number one item sold during the Christmas season. This study will discuss the reasons for the strong surge in the gift card market. It will then consider the value of gift cards as an intermediate option between two alternatives: purchasing a physical gift, which could possibly be returned or exchanged, versus giving cash. Empi...

  10. 76 FR 54991 - Corporate Credit Unions (United States)


    ... believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is... credit union excludes the consolidated assets of such programs from risk-weighted assets pursuant to... paragraphs (c)(3) and (f)(4) and adding new p(h) to read as follows: Sec. 704.6 Credit risk management...

  11. 48 CFR 2132.607 - Tax credit. (United States)


    ... 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...

  12. The costs of paying: Private and social costs of cash and card systems


    Bergman, Mats; Guibourg, Gabriela; Segendorf, Björn


    Despite the central role of payments in theoretical and policy oriented economics, there is surprisingly little known about the costs of different payment instruments. We estimate social and private costs of cash, debit and credit card payments in Sweden in 2002. The combined social cost of providing these payment services is approximately 0.4 per cent of GDP. Debit and credit cards are socially less costly than cash for payments above EURO 8 and EURO 18, respectively. Corresponding threshold...



    Adrian Cantemir CALIN; Oana Cristina POPOVICI


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

  14. Developing emission reduction credit trading in Texas

    International Nuclear Information System (INIS)

    Dodds, J.E.


    The Texas Air Control Board has begun to develop a system of emission reduction credit training. The system will be developed incrementally over time. The first step, banking of VOC and NO x Emission Reduction Credits, began March 15, 1993. Additional programs under study and development include NO x RACT trading, emission credits for motor vehicle scrappage and alternative fuel conversion, and establishment of community organizations to generate and acquire emission reduction credits for economic development purposes

  15. The Future of Smart Cards. (United States)

    Fickes, Michael


    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)

  16. An acuity cards cookbook. (United States)

    Vital-Durand, F


    Acuity cards are being more commonly used in clinical and screening practice. The author describes his experience from over 6000 infants tested with the method, using two commercially available sets of cards to provide users with comprehensive guidelines to allow them to get the most out of this useful test.

  17. A House of Cards. (United States)

    Kennedy, Mike


    Reviews how technologically enhanced ID cards are helping colleges and universities keep their students and staff safe. The benefits of a one-card system for identification, building access, and financial transactions are highlighted as are the liberal use of security phones and security cameras. (GR)

  18. Designing minimum data sets of health smart card system

    Directory of Open Access Journals (Sweden)

    Mohtaram Nematollahi


    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

  19. Method card design dimensions

    DEFF Research Database (Denmark)

    Wölfel, Christiane; Merritt, T.


    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....

  20. Review of sound card photogates

    International Nuclear Information System (INIS)

    Gingl, Zoltan; Mingesz, Robert; Mellar, Janos; Makra, Peter


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

  1. 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.


    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.


    CERN Multimedia

    Human Resources Division


    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...

  3. ATM Card Cloning and Ethical Considerations. (United States)

    Kaur, Paramjit; Krishan, Kewal; Sharma, Suresh K; Kanchan, Tanuj


    With the advent of modern technology, the way society handles and performs monetary transactions has changed tremendously. The world is moving swiftly towards the digital arena. The use of Automated Teller Machine (ATM) cards (credit and debit) has led to a "cash-less society" and has fostered digital payments and purchases. In addition to this, the trust and reliance of the society upon these small pieces of plastic, having numbers engraved upon them, has increased immensely over the last two decades. In the past few years, the number of ATM fraud cases has increased exponentially. With the money of the people shifting towards the digital platform, ATM skimming has become a problem that has eventually led to a global outcry. The present review discusses the serious repercussions of ATM card cloning and the associated privacy, ethical and legal concerns. The preventive measures which need to be taken and adopted by the government authorities to mitigate the problem have also been discussed.

  4. Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report. (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…

  5. 76 FR 76628 - Disclosure of Certain Credit Card Complaint Data (United States)


    ... complaint. At the end of this process, the issuer reports to Consumer Response how it has addressed the... Proceedings (``OAEP'') discloses every month in its Air Travel Consumer Report.\\11\\ Unlike NHTSA, OAEP does... the OEAP began publishing the Air Travel Consumer Report.\\13\\ Outside reviewers have also publicized...

  6. Credit: A Teaching Unit. (United States)

    Clanton, Brandolyn; And Others

    Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…

  7. Refundable Tax Credits


    Congressional Budget Office


    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.

  8. NCA & Credit Guarantees

    African Journals Online (AJOL)


    purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.

  9. 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

  10. WWC Review of the Report "Enhancing the Effectiveness of Special Education Programming for Children with Attention Deficit Hyperactivity Disorder Using a Daily Report Card" (United States)

    What Works Clearinghouse, 2012


    The study described in this report examined whether the use of "daily report cards" ("DRCs") in elementary school classrooms improved behavior and academic achievement among students diagnosed with combined inattentive and hyperactive/impulsive attention deficit hyperactivity disorder (ADHD) and comorbid oppositional defiant…

  11. Research on the SIM card implementing functions of transport card (United States)

    Li, Yi; Wang, Lin


    This paper is based on the analysis for theory and key technologies of contact communication, contactless communication card and STK menu, and proposes complete software and hardware solution for achieving convenience and secure mobile payment system on SIM card.

  12. Disruption - Access cards service

    CERN Multimedia


    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.

  13. Credit supply and the rise in college tuition: evidence from the expansion in federal student aid programs


    Lucca, David O.; Nadauld, Taylor D.; Shen, Karen


    When students fund their education through loans, changes in student borrowing and tuition are interlinked. Higher tuition costs raise loan demand, but loan supply also affects equilibrium tuition costs - for example, by relaxing students' funding constraints. To resolve this simultaneity problem, we exploit detailed student-level financial data and changes in federal student aid programs to identify the impact of increased student loan funding on tuition. We find that institutions more expos...

  14. Patient health record on a smart card. (United States)

    Naszlady, A; Naszlady, J


    A validated health questionnaire has been used for the documentation of a patient's history (826 items) and of the findings from physical examination (591 items) in our clinical ward for 25 years. This computerized patient record has been completed in EUCLIDES code (CEN TC/251) for laboratory tests and an ATC and EAN code listing for the names of the drugs permanently required by the patient. In addition, emergency data were also included on an EEPROM chipcard with a 24 kb capacity. The program is written in FOX-PRO language. A group of 5000 chronically ill in-patients received these cards which contain their health data. For security reasons the contents of the smart card is only accessible by a doctor's PIN coded key card. The personalization of each card was carried out in our health center and the depersonalized alphanumeric data were collected for further statistical evaluation. This information served as a basis for a real need assessment of health care and for the calculation of its cost. Code-combined with an optical card, a completely paperless electronic patient record system has been developed containing all three information carriers in medicine: Texts, Curves and Pictures.

  15. Authoring of digital games via card games

    DEFF Research Database (Denmark)

    Valente, Andrea; Marchetti, Emanuela


    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....... propose a new scenario in which trading card games help making sense and re-design computer games, to support players express themselves aesthetically and in a highly creative way. Our aim is to look for a middle ground between players becoming programmers and simply editing levels. The main contributions...

  16. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

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

  17. NCDC Punched Card Reference Manuals (United States)

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

  18. Brownfields New Markets Tax Credits (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.


    Directory of Open Access Journals (Sweden)

    Tudose Geanina - Gabriela


    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.

  20. Easy robot programming for beginners and kids using augmented reality environments (United States)

    Sakamoto, Kunio; Nishiguchi, Masahiro


    The authors have developed the mobile robot which can be programmed by command and instruction cards. All you have to do is to arrange cards on a table and to shot the programming stage by a camera. Our card programming system recognizes instruction cards and translates icon commands into the motor driver program. This card programming environment also provides low-level structure programming.

  1. An Analysis of Arizona Individual Income Tax-Credit Scholarship Recipients' Family Income, 2009-10 School Year. Program on Education Policy and Governance Working Paper. PEPG 10-18 (United States)

    Murray, Vicki E.


    In 2009, the "East Valley Tribune and the Arizona Republic" alleged that Arizona's individual income tax-credit scholarship program disproportionately serves privileged students from higher-income families over those from lower-income backgrounds. Yet neither paper collected the student-level, scholarship recipient family income data…

  2. Smart Icon Cards (United States)

    Dunbar, Laura


    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."

  3. Adam Smith, Religion, and Tuition Tax Credits. (United States)

    Alexander, Kern


    Examines tuition tax credit programs in framework of Adam Smith's ideas on the economic impact of established churches. Finds that tuition tax credits would amount to state expenditures to relieve the financial burden of parochial school parents and would allow churches to invest commercially to maintain their charitable functions. (JW)

  4. Credit Union Headquarters (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...

  5. A study of smart card for radiation exposure history of patient. (United States)

    Rehani, Madan M; Kushi, Joseph F


    The purpose of this article is to undertake a study on developing a prototype of a smart card that, when swiped in a system with access to the radiation exposure monitoring server, will locate the patient's radiation exposure history from that institution or set of associated institutions to which it has database access. Like the ATM or credit card, the card acts as a secure unique "token" rather than having cash, credit, or dose data on the card. The system provides the requested radiation history report, which then can be printed or sent by e-mail to the patient. The prototype system is capable of extending outreach to wherever the radiation exposure monitoring server extends, at county, state, or national levels. It is anticipated that the prototype shall pave the way for quick availability of patient exposure history for use in clinical practice for strengthening radiation protection of patients.

  6. Credit Market Information Feedback


    Balasubramanyan, Lakshmi; Craig, Ben R.; Thomson, James B.; Zaman, Saeed


    We examine how a combination of credit market and asset quality information can jointly be used in assessing bank franchise value. We find that expectations of future credit demand and future asset quality explain contemporaneous bank franchise value, indicative of the feedback in credit market information and its consequent impact on bank franchise value.

  7. Boundedly rational credit cycles


    Sáez, María


    We propose an evolutionary model of a credit market. We show that the economy exhibits credit cycles. The model predicts dynamics which are consistent with some evidence about the Great Depression. Real shocks trigger episodes of credit--crunch which are observed in the process of adjustment towards the post shock equilibrium.

  8. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich


    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.


    Directory of Open Access Journals (Sweden)

    Aprilianti Aprilianti


    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

  10. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN


    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.

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

    Directory of Open Access Journals (Sweden)

    Mohammad HAMAD


    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.

  12. Port Card Module

    International Nuclear Information System (INIS)

    Utes, M.


    The Port Card will be one link in the data acquisition system for the D0 Silicon Vertex Detector. This system consists of the following parts, starting at the detector: Silicon strip detectors are mounted in a spaceframe and wire-bonded to custom bare-die integrated circuits (SVX-II chips) that digitize the charge collected by the strips. The 128-channel chips are mounted on a High-Density Interconnect (HDI) that consists of a small flex circuit that routes control signals and eight data bits for each of three to ten chips onto a common data bus. A cable then routes this bus approximately thirty feet out from the detector to the Port Card. The Port Card houses a commercial chipset that serializes the data in real time and converts the signal into laser light impulses that are then transmitted through a multi-mode optical fiber about 150 feet to a Silicon Acquisition and Readout board (SAR). Here, the data is transformed back to parallel electrical signals that are stored in one of several banks of FIFO memories. The FIFOs place their data onto the VME backplane to a VME Buffer Driver (VBD) which stores the event data in buffers for eventual readout over a thirty-two signal ribbon cable to the Level Two Computers and subsequent tape storage. Control and sequencing of the whole operation starts with the Silicon Acquisition/Readout Controller (SARC) working in tandem with the D0 Clock System. The SARC resides in the same VME crate as the SARs, and transforms signals from the Trigger System into control codes distributed to the various Port Cards via optical fibers operating at 53 Mb/s. It is through these control codes that data taking operations such as data-acquisition, digitization, readout, and various resets can be carried out. The Port Card receives the control codes and manipulates the SVX-II chips in the proper way to effect proper data taking. There will be a total of about 700,000 channels, which translates into about 5580 SVX-II chips, 66 to 100 Port Cards

  13. Japanese Tarot Cards

    Directory of Open Access Journals (Sweden)

    Laura Miller


    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.

  14. College credit for in-house training

    International Nuclear Information System (INIS)

    Reilly, K.; Getty, C.; Knief, R.


    The Program on Non-Collegiate Sponsored Instruction (PONSI) and similar organizations may be of considerable help to the industry to the extent that college credit can be awarded for certain activities in reactor site training programs. The credit recommendations generally may be used at local colleges. They also may be applied (along with credit for college-level activities such as correspondence and on-campus courses, proficiency testing, and other evaluations) to degrees granted by the Regent's External Degree Program (REX) and other organizations. This paper describes the principle features of the PONSI and REX programs. PONSI's first credit evaluation at a nuclear plant - Consolidated Edison's Indian Point 2 - is summarized. Recent proposals for an explicit nuclear degree through REX are also described briefly

  15. Japanese Tarot Cards


    Laura Miller


    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 wit...

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

    CERN Multimedia


    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...



    I Putu Agus Swastika; Siti Saibah Pua Luka; Yanno Dwi Ananda


    Opportunity to development smart card -based application is quite large as the need for smart card technology in various fields of both business and government agencies and BUMN. One brand that is widely used smart card is a smart card type from a vendor production NFC ACR122U ACS (Advanced Card System Limited) because prices are relatively affordable, but fairly tough. At the Thesis is done, the ACS (Advanced Card System Limited) as a manufacturer of smart card vendor type ...

  18. 49 CFR 260.15 - Credit risk premium. (United States)


    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

  19. 7 CFR 3575.3 - Full faith and credit. (United States)


    ... 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...

  20. 7 CFR 1980.308 - Full faith and credit. (United States)


    ... 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...

  1. 7 CFR 762.103 - Full faith and credit. (United States)


    ... 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...

  2. 7 CFR 1779.3 - Full faith and credit. (United States)


    ... 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...

  3. Optical Verification Laboratory Demonstration System for High Security Identification Cards (United States)

    Javidi, Bahram


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


    Directory of Open Access Journals (Sweden)

    _ Sukamto


    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.

  5. Credit risk transfer


    Bank for International Settlements


    Executive summary Techniques for transferring credit risk, such as financial guarantees and credit insurance, have been a long-standing feature of financial markets. In the past few years, however, the range of credit risk transfer (CRT) instruments and the circumstances in which they are used have widened considerably. A number of factors have contributed to this growth, including: greater focus by banks and other financial institutions on risk management; a more rigorous approach to risk/re...

  6. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif


    Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

  7. Misplaying the Angles: A Closer Look at the Illinois Tuition Tax Credit Law. (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…

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

    Directory of Open Access Journals (Sweden)

    Mehdi Khashei


    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.

  9. Stream processing health card application. (United States)

    Polat, Seda; Gündem, Taflan Imre


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

  10. Investigation into Plastic Cards

    Directory of Open Access Journals (Sweden)

    Neringa Stašelytė


    Full Text Available The article examines the strength of laminating plastic cards at different lamination temperatures. For investigation purposes, two types of plastic substrate and films have been used. Laminate strength has been tested (CMYK to establish the impact of colours on the strength of laminate. The paper compares inks supplied by two different producers. The colour characteristics of CIE L*a*b* space before and after the lamination process have been found. According to lamination strength and characteristics of the colours, the most suitable inks, temperature and films have been chosen.

  11. Limited take-up of health coverage tax credits: a challenge to future tax credit design. (United States)

    Dorn, Stan; Varon, Janet; Pervez, Fouad


    The Trade Act of 2002 created federal tax credits to subsidize health coverage for certain early retirees and workers displaced by international trade. Though small, this program offers the opportunity to learn how to design future tax credits for larger groups of uninsured. During September 2004, the most recent month for which there are data about all forms of Trade Act credits, roughly 22 percent of eligible individuals received credits. The authors find that health insurance tax credits are more likely to reach their target populations if such credits: 1) limit premium costs for the low-income uninsured and do not require full premium payments while applications are pending; 2) provide access to coverage that beneficiaries value, including care for preexisting conditions; 3) are combined with outreach that uses easily understandable, multilingual materials and proactive enrollment efforts; and 4) feature a simple application process involving one form filed with one agency.

  12. 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: ...

  13. A Two-Layer Least Squares Support Vector Machine Approach to Credit Risk Assessment (United States)

    Liu, Jingli; Li, Jianping; Xu, Weixuan; Shi, Yong

    Least squares support vector machine (LS-SVM) is a revised version of support vector machine (SVM) and has been proved to be a useful tool for pattern recognition. LS-SVM had excellent generalization performance and low computational cost. In this paper, we propose a new method called two-layer least squares support vector machine which combines kernel principle component analysis (KPCA) and linear programming form of least square support vector machine. With this method sparseness and robustness is obtained while solving large dimensional and large scale database. A U.S. commercial credit card database is used to test the efficiency of our method and the result proved to be a satisfactory one.

  14. How effective are directed credit policies in the United States? A literature survey


    Schwarz, Anita M.


    Schwarz surveys U.S. experience with directed credit as background for a larger study of the Asian experience. Almost half of net credit lent in the United States annually is directly affected by government policies - half of net credit covering budget deficits, and half falling under various federal credit programs. The main difference between U.S. and Asian credit policy is that U.S. credit policy is oriented more toward equity than toward growth. Different sectors are affected differently ...

  15. Micro Credit and Gender: A Critical Assessment

    Directory of Open Access Journals (Sweden)

    Özlem BALKIZ


    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

  16. Credit Risk Research

    DEFF Research Database (Denmark)

    Zamore, Stephen; Ohene Djan, Kwame; Alon, Ilan


    This article provides a comprehensive review of scholarly research on credit risk measurement during the last 57 years applying bibliometric citation analysis and elaborates an agenda for future research. The bibliography is compiled using the Institute for Scientific Information (ISI) Web...... of Science (WOS) database and includes all articles with citations over the period 1960–2016. Specifically, the review is carried out using 1695 articles across 72 countries published in 442 journals by 2928 authors. The findings suggest that credit risk research is multifaceted and can be classified...... into six streams: (1) defaultable security pricing, (2) default intensity modeling, (3) comparative analysis of credit models, (4) comparative analysis of credit markets, (5) credit default swap (CDS) pricing, and (6) loan loss provisions. The article contributes through synthesizing and identifying...

  17. Authentication techniques for smart cards

    International Nuclear Information System (INIS)

    Nelson, R.A.


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

  18. It's All in the Cards. (United States)

    Burke, Jim


    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…

  19. Smart Cards and remote entrusting (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.

  20. Quantitative simulation tools to analyze up- and downstream interactions of soil and water conservation measures: Supporting policy making in the Green Water Credits program of Kenya

    NARCIS (Netherlands)

    Hunink, J.E.; Droogers, P.; Kauffman, J.H.; Mwaniki, B.M.; Bouma, J.


    Upstream soil and water conservation measures in catchments can have positive impact both upstream in terms of less erosion and higher crop yields, but also downstream by less sediment flow into reservoirs and increased groundwater recharge. Green Water Credits (GWC) schemes are being developed to

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


    ...; telephone (202) 690-0734. For sugar purchase and general exchange information contact Pamela McKenzie... license balance within certain limits. Sugar exported or transferred is subtracted from the license balance, resulting in a license ``credit;'' sugar imported is added to the balance, resulting in a license...

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

  3. The impacts of smart cards on hospital information systems--an investigation of the first phase of the national health insurance smart card project in Taiwan. (United States)

    Liu, Chien-Tsai; Yang, Pei-Tun; Yeh, Yu-Ting; Wang, Bin-Long


    % dissatisfied and strongly dissatisfied, that is twice as many hospitals with satisfied (about 10%). Our recommendations for those who are planning to implement similar projects are: (1) provide public-awareness programs or campaigns across the country for elucidating the smart card policy and educate the public on the proper usage and storage of the cards, (2) improve the quality of the NHI-IC cards, (3) conduct comprehensive tests in software and hardware components associated with NHI-IC cards before operating the systems and (4) perform further investigations in authentication approaches and develop tools that can quickly identify where and what the problems are.

  4. 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...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....

  5. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

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

  6. Credit risk management in banks


    Pětníková, Tereza


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

  7. Credit derivatives in emerging markets


    Romain Rancière


    Credit Derivatives are securities that offer protection against credit or default risk of bonds or loans. The credit derivatives emerging market has grown rapidly and credit derivatives are widely used. This paper describes the emerging credit derivatives market structure. The current market activity is analyzed through elementary pricing dynamics and the study of the term structure of default risk. Focusing on the performance of credit derivatives in stress situation, including legal and mar...

  8. Digitizing Olin Eggen's Card Database (United States)

    Crast, J.; Silvis, G.


    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.

  9. Public Service? Tax Credits? (United States)

    Shanker, Albert


    Acknowledges the good work of private schools but resists the provision of further direct or indirect government aid to these schools. Argues that tax credits will adversely affect public education and American society. (Author/WD)

  10. Burnup credit in Spain

    International Nuclear Information System (INIS)

    Conde, J.M.; Recio, M.


    The status of development of burnup credit for criticality safety analyses in Spain is described in this paper. Ongoing activities in the country in this field, both national and international, are resumed. Burnup credit is currently being applied to wet storage of PWR fuel, and credit to integral burnable absorbers is given for BWR fuel storage. It is envisaged to apply burnup credit techniques to the new generation of transport casks now in the design phase. The analysis methodologies submitted for the analyses of PWR and BWR fuel wet storage are outlined. Analytical activities in the country are described, as well as international collaborations in this field. Perspectives for future research and development of new applications are finally resumed. (author)

  11. Time Delay Measurements of Key Generation Process on Smart Cards (United States)


    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...WICOM.2009.5302782 Defense Enterprise Mobility – A game changer for the Department of Defense. (2012, Jan.). , DISA: DOD Mobility Program. Retrieved

  12. The c-cards game

    DEFF Research Database (Denmark)

    Valente, Andrea


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

  13. Using a transactor/revolver scorecard to make credit and pricing decisions


    So, M.C.; Thomas, L.C.; Seow, H-V; Mues, C.


    In consumer lending the traditional approach is to develop a credit scorecard which ranks borrowers according to their risk of defaulting. Bads have a high risk of default and Goods have a low risk. To maximise the profitability of credit card customers, a second classification between revolvers and transactors becomes important. Building a transactor/revolver scorecard together with a Good/Bad scorecard over the revolvers, gives rise to a risk decision system whose ranking of risk is compara...



    Johnson, Nancy L.


    Land titles can increase agricultural productivity by increasing access to collateralized credit. However, increased credit use depends on the assumption that farmers face asset-based credit rationing. This assumption is tested using data from Mexico's voluntary land titling program. The results do not support the existence of widespread credit rationing.

  15. The Smart Card concept applied to access control

    International Nuclear Information System (INIS)

    Seidman, S.


    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. From EuCARD to EuCARD-2

    CERN Multimedia

    Chaudron, M


    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...

  17. 75 FR 10414 - Researcher Identification Card (United States)


    ... capturing administrative information on the characteristics of our users. Other forms of identification are... use bar-codes on researcher identification cards in the Washington, DC, area. The plastic cards we... plastic researcher identification cards as part of their security systems, we issue a plastic card to...


    CERN Multimedia

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


    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.


    CERN Multimedia

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


    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.


    CERN Multimedia

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


    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.


    CERN Multimedia

    HR Division


    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.


    CERN Multimedia

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


    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.

  3. [Smart cards in health services]. (United States)

    Rienhoff, O


    Since the early 1980-ties it has been tried to utilise smart cards in health care. All industrialised countries participated in those efforts. The most sustainable analyses took place in Europe--specifically in the United Kingdom, France, and Germany. The first systems installed (the service access cards in F and G, the Health Professional Card in F) are already conceptionally outdated today. The senior understanding of the great importance of smart cards for security of electronic communication in health care does contrast to a hesitating behaviour of the key players in health care and health politics in Germany. There are clear hints that this may relate to the low informatics knowledge of current senior management.

  4. Turning a Private Label Bank Card into a Multi-function Campus ID Card. (United States)

    James, Thomas G.; Norwood, Bill R.


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


    CERN Multimedia

    Human Resources Division


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

  6. Card counting in continuous time


    Andersson, Patrik


    We consider the problem of finding an optimal betting strategy for a house-banked casino card game that is played for several coups before reshuffling. The sampling without replacement makes it possible to take advantage of the changes in the expected value as the deck is depleted, making large bets when the game is advantageous. Using such a strategy, which is easy to implement, is known as card counting. We consider the case of a large number of decks, making an approximat...

  7. Play the European card

    International Nuclear Information System (INIS)

    Majewski, O.


    Dr. Otto Majewski, Chief Executive Officer of the Bayernwerk AG utility, in his capacity as Chairman of the European Nuclear Council pointed out at ENC 98 in Nice that national energy policies constituted a major danger to the use of nuclear power. At the same time, he indicated ways and means by which to evade that danger. The decisions taken in Sweden and in the Federal Republic of Germany to opt out of the use of nuclear power show that national energy policies can seriously jeopardize the use of nuclear power. Bayernwerk CEO Dr. Majewski urged nuclear power plant operators to counteract these tendencies by playing the European card. Nuclear power anyway was a classical topic of European cooperation which, in the past, had resulted in higher safety standards and in the development of the EPR. It should also be attempted, by working on European institutions, to strengthen the use of nuclear power, even on a national level. He invoked economic arguments against nuclear opponents, especially the preservation of competitiveness by means of lower electricity prices, and arguments of climate protection. (orig.) [de

  8. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

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


    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...... estate sector each addressing three interlinked levels: building/ projects level, company or enterprise level and benchmarking system level. Additionally it has been based on dialogue with researchers and professional organisation, international research and standardisation work and national building...


    Directory of Open Access Journals (Sweden)

    V. G. Mikhailov


    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.

  10. Latinos in the Credit Economy


    Ralph, Lisa M.


    Access to consumer credit as a means of building wealth is one of the least examined forms of social inequality. The recent economic crisis in the United States has brought attention to the significance of consumer credit in our nation's economy; however, less understood are the specific obstacles and barriers that prevent low-income individuals from reaching the "American Dream." In an exploratory manner, this study compared credit access, credit literacy, and credit experience of low-income...

  11. Credit derivatives and risk management


    Michael S. Gibson


    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...

  12. Models of Credit Risk Measurement


    Hagiu Alina


    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...

  13. 45 CFR 260.33 - When are expenditures on State or local tax credits allowable expenditures for TANF-related... (United States)


    ... State or local tax credits allowable expenditures for TANF-related purposes? (a) To be an allowable expenditure for TANF-related purposes, any tax credit program must be reasonably calculated to accomplish one... credit to be an allowable expenditure. (2) Under a State Earned Income Tax Credit (EITC) program, the...

  14. 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

  15. 77 FR 4822 - Western Hemisphere Travel Initiative: Designation of an Approved Native American Tribal Card... (United States)


    ... and sea ports of entry. See 73 FR 18384 (the WHTI land and sea final rule). It amended, among other..., including a testing and auditing process to ensure that the cards are produced and issued in accordance with... auditing by CBP of the cards and program, the Secretary of DHS or the Commissioner of CBP may designate the...

  16. Evaluation of a new solid media specimen transport card for high risk HPV detection and cervical cancer prevention. (United States)

    Maurer, Kathryn; Luo, Hongxue; Shen, Zhiyong; Wang, Guixiang; Du, Hui; Wang, Chun; Liu, Xiaobo; Wang, Xiamen; Qu, Xinfeng; Wu, Ruifang; Belinson, Jerome


    Solid media transport can be used to design adaptable cervical cancer screening programs but currently is limited by one card with published data. To develop and evaluate a solid media transport card for use in high-risk human papillomavirus detection (HR-HPV). The Preventative Oncology International (POI) card was constructed using PK 226 paper(®) treated with cell-lysing solution and indicating dye. Vaginal samples were applied to the POI card and the indicating FTA (iFTA) elute card. A cervical sample was placed in liquid media. All specimens were tested for HR-HPV. Color change was assessed at sample application and at card processing. Stability of the POI card and iFTA elute card was tested at humidity. 319 women were enrolled. Twelve women had at least one insufficient sample with no difference between media (p=0.36). Compared to liquid samples, there was good agreement for HR-HPV detection with kappa of 0.81 (95% CI 0.74-0.88) and 0.71 (95% CI 0.62-0.79) for the POI and iFTA elute card respectively. Sensitivity for ≥CIN2 was 100% (CI 100-100%), 95.1% (CI 92.7-97.6%), and 93.5% (CI 90.7-96.3%) for the HR-HPV test from the liquid media, POI card, and iFTA elute card respectively. There was no color change of the POI card noted in humidity but the iFTA elute card changed color at 90% humidity. The POI card is suitable for DNA transport and HR-HPV testing. This card has the potential to make cervical cancer screening programs more affordable worldwide. Copyright © 2015 Elsevier B.V. All rights reserved.

  17. 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


    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

  18. Recommendations for Alternative Credit. (United States)

    Lenderman, Ed; And Others

    Following a review of the mathematics topics taught in accounting, electronics, auto, food and clothing, and metals courses at Linn-Benton Community College, Albany, Oregon, recommendations were made to grant one semester of mathematics credit for completing a two-year sequence of these courses. The other required semester of mathematics should be…

  19. Earned Income Tax Credit

    NARCIS (Netherlands)

    F.M. van Oers; R.A. de Mooij (Ruud)


    textabstractIn recent policy discussions in the Netherlands, the Earned Income Tax Credit (EITC) has been put forward as an effective instrument to reduce the unemployment rate among low-skilled workers. Using the MIMIC model, this article shows that a targeted EITC at low incomes indeed seems

  20. Passive microfluidic array card and reader (United States)

    Dugan, Lawrence Christopher [Modesto, CA; Coleman, Matthew A [Oakland, CA


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

  1. 76 FR 32882 - New Markets Tax Credit Non-Real Estate Investments (United States)


    ... New Markets Tax Credit Non-Real Estate Investments AGENCY: Internal Revenue Service (IRS), Treasury... proposed regulations modifying the new markets tax credit program to facilitate and encourage investments... claiming the new markets tax credit and businesses in low-income communities relying on the program. This...

  2. Effectiveness of monetary and macroprudential shocks on consumer credit growth and volatility in Turkey

    Directory of Open Access Journals (Sweden)

    Meltem Gulenay Chadwick


    Full Text Available This paper proposes a panel VAR model to uncover the effect of monetary policy and macroprudential tightening probability on general purpose loans, housing loans, vehicle loans, credit cards and their respective volatilities in Turkey. To conduct our analysis, first, we compare a number of stochastic volatility models using our loan and credit card series in a formal Bayesian model comparison exercise, in order to determine the best volatility model for our series. Second we disclose the latent probability of macroprudential tightening from the binary information of policy episodes, using an instrumental variable probit model estimated by conditional maximum likelihood with heteroscedasticity robust standard errors. Lastly we estimate the dynamic impact of monetary policy and macroprudential measures using a panel VAR, incorporating the latent probability of tightening episodes, credit growth, industrial production growth, loan rates, inflation and credit growth volatilities into the endogenous system of equations. We conclude that macroprudential tightening is effective in dampening credit growth, credit growth volatility and reducing consumer price inflation. Besides, this effect is more prominent when macroprudential tools are administered in coordination with monetary policy. Keywords: Consumer loans, Monetary policy, Macroprudential policy, Stochastic volatility models, Credit growth volatility, IV probit model, Panel VAR model, JEL classification: C54, E44, E52


    CERN Multimedia

    HR Division


    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


    CERN Multimedia



    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


    CERN Multimedia

    Division des Ressources Humaines


    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

  6. Reminder: Swiss and French cards

    CERN Multimedia


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

  7. Swiss and French cards - Reminder

    CERN Multimedia

    HR Department


    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: Users and Unpaid Associates must ...

  8. CO2 credit or energy credit in emission trading?

    International Nuclear Information System (INIS)

    Hu, E.


    Emission trading is a good concept and approach to tackle global warming. However, what ''currency'' or ''credit'' should be used in the trading has remained a debatable topic. This paper proposed an ''Energy Credit'' concept as an alternative to the ''CO 2 credit'' that is currently in place. From the thermodynamic point of view, the global warming problem is an ''energy balance'' problem. The energy credit concept is thought to be more thermodynamically correct and tackles the core of the global warming problem more directly. The Energy credit concept proposed can be defined as: the credit to offset the extra energy trapped/absorbed in the earth (and its atmosphere) due to the extra anthropogenic emission (or other activities) by a country or company. A couple of examples are given in the paper to demonstrate the concept of the Energy credit and its advantages over the CO 2 credit concept. (author)

  9. Curriculum Development through YTS Modular Credit Accumulation. (United States)

    Further Education Unit, London (England).

    This document reports the evaluation of the collaborately developed Modular Training Framework (MainFrame), a British curriculum development project, built around a commitment to a competency-based, modular credit accumulation program. The collaborators were three local education authorities (LEAs), those of Bedfordshire, Haringey, and Sheffield,…

  10. A municipal forest report card: Results for California, USA (United States)

    E.Gregory McPherson; Louren Kotow


    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...

  11. Introduction of Credit Derivatives and Valuation of Credit Default Swap


    Han, Lu


    The credit derivative market was established at the beginning of the 1990s since the emergence of credit derivatives fits the rapid development of the whole derivatives market. However, compare to other derivative market, this market is still small and incomplete. As with other derivatives, credit derivatives can be used to either take more risk or hedge it, hence various credit derivatives instruments are accepted and widely used by market participants such as banks, insurance companies, etc...

  12. The operating software of the PHAST PC-MCA Card

    International Nuclear Information System (INIS)

    Mukhopadhyay, P.K.


    The operating software of the PHAST PC-MCA Card provides powerful hardware support and data analysis features. Spectrum stabilisation is supported. A periodic spectrum saving option helps recovery of usable data in case of power failure. This feature can also be used for decay studies. Spectra acquired in several other types of MCA cards may be read for offline analysis. Non-linear least square fitting of the peaks in the entire spectrum with exponential tailed model is possible in a single operation. Nuclides may be identified and activity determined by matching energies with the gamma energy library of the program. Two component decay analysis at multiple energies is possible. (author)

  13. Calibration of TOB+ Thermometer's Cards

    CERN Document Server

    Banitt, Daniel


    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.

  14. 40 CFR 73.20 - Phase II early reduction credits. (United States)


    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Phase II early reduction credits. 73.20 Section 73.20 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) SULFUR DIOXIDE ALLOWANCE SYSTEM Allowance Allocations § 73.20 Phase II early reduction credits...

  15. Consumer Handbook to Credit Protection Laws. (United States)

    Board of Governors of the Federal Reserve System, Washington, DC.

    The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…


    Directory of Open Access Journals (Sweden)

    _ Sukamto


    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.

  17. Development Of The Drexler Optical-Card Reader/Writer System (United States)

    Pierce, Gerald A.


    An optical-card reader/writer optical and electronic breadboard system, developed by SRI International under contract to Drexler Technology, is described. The optical card, which is the same size as a credit card, can contain more than 2 megabytes of digital user data, which may also include preformatted tracking information and preformatted data. The data layout on the card is similar to that on a floppy disk, with each track containing a header and clocking information. The design of this optical reader/writer system for optical cards is explained. Design of the optical card system entails a number of unique issues: To accommodate both laser-recorded and mass-duplicated information, the system must be compatible with preencoded information, which implies a larger-than-normal spot size (5 gm) and a detection system that can read both types of optical patterns. Cost-reduction considerations led to selection of a birefringent protection layer, which dictated a nonstandard optical system. The non-polarization-sensitive optics use an off-axis approach to detection. An LED illumination system makes it possible to read multiple tracks.

  18. NCDC Punched Card Inventory - 1950s (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...


    Directory of Open Access Journals (Sweden)

    Yuliya Evgenievna Klishina


    Full Text Available The credit granting system of agricultural enterprises which developed now doesn’t promote development of agricultural production in spite of the facts that are accepted and are financed by the state of the development program of agrarian and industrial complex in various directions. Financial credit relations in the sphere of agrarian and industrial complex are in a stage of formation and have no system nature, in them features of agricultural production are insufficiently considered.In article the directions of development of credit support of agricultural industry, participation of the state in system of agricultural crediting are considered, offers on forming of a three-level credit granting system of agricultural industry which is urged to provide availability of credit resources to all categories of agricultural producers are made.

  20. A Medipix3 readout system based on the National Instruments FlexRIO card and using the LabVIEW programming environment (United States)

    Horswell, I.; Gimenez, E. N.; Marchal, J.; Tartoni, N.


    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 × 14mm (containing 256 × 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 FlexRIOTM system from National Instruments and to use the LabVIEWTM graphical programming environment. This system and the achieved performance are described in this paper.

  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. National report card on energy efficiency : 2. annual report card on government activities

    International Nuclear Information System (INIS)


    This second annual report card produced by the Canadian Energy Efficiency Alliance is a means by which to monitor the efforts of Canada's federal, provincial and territorial governments in energy efficiency activities. The Alliance works in partnership with manufacturers, utilities, governments, builders, labour, consumer groups and environmental organizations. Energy efficiency is one of the primary tools governments can use to meet the Kyoto climate change commitment. The issue of climate change was examined in greater depth in this second annual report card. Ten specific measures that each government should take in order to be efficiency leaders were identified. These included minimum standards and regulations for buildings and appliances, supporting energy efficiency in the marketplace, and leadership programs to improve energy efficiency and achieve emission reduction targets. Efficiency in transportation was not included in this report card. A brief summary of what the federal government, as well as each provincial and territorial government are doing to promote energy efficiency was included. Each jurisdiction was given a grade. The Yukon received the highest mark of A minus. Saskatchewan received the lowest, and only failed mark. It was emphasized that public and private utilities also play a key role in supporting energy efficiency in Canada. 2 tabs

  3. Data transfer based on intelligent ethernet card

    International Nuclear Information System (INIS)

    Zhu Haitao; Chinese Academy of Sciences, Beijing; Chu Yuanping; Zhao Jingwei


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

  4. Main components of business cards design

    Directory of Open Access Journals (Sweden)

    Ю. В. Романенкова


    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

  5. Are carbon credits effective?

    International Nuclear Information System (INIS)



    Is it possible to reduce greenhouse gas emissions by assigning a value to CO 2 ? That's the concept behind carbon credits. Their advantage: they set targets but let companies decide how to meet them. Of all the processes that can be used to reduce air pollution, the cap and trade system is the best way to meet global targets on a national or continental scale. The system's efficiency is based on setting a ceiling for emissions: this is the cap. The emissions quotas are negotiable goods that can be traded on a market: this is the 'trade'. No company can exceed its quotas, but it can choose how to meet them: decreasing its emissions by changing its production processes, buying carbon credits sold by companies that have exceeded their targets, or using clean development mechanisms. For a carbon credit system to function correctly on an economic level, it's essential to meet one condition: don't allocate too many emissions quotas to the companies involved. If they receive too many quotas, it's not hard for them to meet their objectives without changing their production processes. The supply of carbon credits currently exceeds demand. The price per ton of CO 2 is collapsing, and companies that have exceeded their targets are not rewarded for their efforts. Efficient though it may be, the cap and trade system cannot be the only way to fight CO 2 emissions. In Europe, it presently covers 40% of the CO 2 emissions by targeting utilities and industries that consume the most fossil fuels. But it cannot be extended to some sectors where pollution is diffuse. In transportation, for example, it's not possible to impose such a requirement. For that sector, as well as for the building sector, a suitable system of taxes might be effective and incentive

  6. The African Credit Trap


    Svetlana Andrianova; Badi H. Baltagi; Panicos O. Demetriades; David Fielding


    We put forward a plausible explanation of African financial underdevelopment in the form of a bad credit market equilibrium. Utilising an appropriately modified IO model of banking, we show that the root of the problem could be unchecked moral hazard (strategic loan defaults) or adverse selection (a lack of good projects). We provide empirical evidence from a large panel of African banks which suggests that loan defaults are a major factor inhibiting bank lending when the quality of regulatio...

  7. Credit scoring methods

    Czech Academy of Sciences Publication Activity Database

    Vojtek, Martin; Kočenda, Evžen


    Roč. 56, 3-4 (2006), s. 152-167 ISSN 0015-1920 R&D Projects: GA ČR GA402/05/0931 Institutional research plan: CEZ:AV0Z70850503 Keywords : banking sector * credit scoring * discrimination analysis Subject RIV: AH - Economics Impact factor: 0.190, year: 2006

  8. Evaluation of Nucleic Acid Preservation Cards for West Nile Virus Testing in Dead Birds (United States)

    Foss, Leslie; Reisen, William K.; Fang, Ying; Kramer, Vicki; Padgett, Kerry


    The California West Nile virus (WNV) Dead Bird Surveillance Program (DBSP) is an important component of WNV surveillance in the state. We evaluated FTA™ and RNASound™ cards as an alternative method for sampling dead birds for WNV molecular testing as these cards allow for more cost effective, rapid, and safer diagnostic sampling than the shipment of bird carcasses. To evaluate accuracy of results among avian sampling regimes, Reverse-Transcription Polymerase Chain Reaction (RT-PCR) results from FTA™ and RNASound™ cards were compared with results from kidney tissue, brain tissue, or oral swabs in lysis buffer in 2012–2013. In addition, RT-PCR results were compared with results from oral swabs tested by rapid antigen tests (RAMP™ and VecTOR™). While test results from the cards were not as sensitive as kidney tissue testing, they were more likely to provide accurate results than rapid antigen tests, and detected WNV in corvids as well as in other passerines, raptors, and waterfowl. Overall, WNV RT-PCR cycle threshold (Ct) scores from the cards were higher than those from tissue testing, but both card products displayed high sensitivity and specificity. American Crow samples provided the highest sensitivity. The cards also proved to be easier and more convenient vehicles for collecting and shipping samples, and in 2014 our program launched use of RNASound™ cards in the DBSP. Both FTA™ and RNASound™ products displayed 96% agreement with tissue results and are an adequate alternative sampling method for WNV dead bird testing. PMID:27341492

  9. Evaluation of Nucleic Acid Preservation Cards for West Nile Virus Testing in Dead Birds.

    Directory of Open Access Journals (Sweden)

    Leslie Foss

    Full Text Available The California West Nile virus (WNV Dead Bird Surveillance Program (DBSP is an important component of WNV surveillance in the state. We evaluated FTA™ and RNASound™ cards as an alternative method for sampling dead birds for WNV molecular testing as these cards allow for more cost effective, rapid, and safer diagnostic sampling than the shipment of bird carcasses. To evaluate accuracy of results among avian sampling regimes, Reverse-Transcription Polymerase Chain Reaction (RT-PCR results from FTA™ and RNASound™ cards were compared with results from kidney tissue, brain tissue, or oral swabs in lysis buffer in 2012-2013. In addition, RT-PCR results were compared with results from oral swabs tested by rapid antigen tests (RAMP™ and VecTOR™. While test results from the cards were not as sensitive as kidney tissue testing, they were more likely to provide accurate results than rapid antigen tests, and detected WNV in corvids as well as in other passerines, raptors, and waterfowl. Overall, WNV RT-PCR cycle threshold (Ct scores from the cards were higher than those from tissue testing, but both card products displayed high sensitivity and specificity. American Crow samples provided the highest sensitivity. The cards also proved to be easier and more convenient vehicles for collecting and shipping samples, and in 2014 our program launched use of RNASound™ cards in the DBSP. Both FTA™ and RNASound™ products displayed 96% agreement with tissue results and are an adequate alternative sampling method for WNV dead bird testing.

  10. School Breakfast Score Card. (United States)

    Food Research and Action Center, Washington, DC.

    The School Breakfast Program supplies federal funds to schools and residential child care institutions who provide breakfasts to children. This status report compares the performances of states to each other and to the nation as a whole in school breakfast participation. States are grouped in categories of the 10 top- and bottom-ranked…

  11. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren


    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...

  12. Palmistry, tarot cards, and psychotherapy. (United States)

    Pejic, Nicholas G


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

  13. Towards an open sound card

    DEFF Research Database (Denmark)

    Dimitrov, Smilen; Serafin, Stefania


    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...

  14. Comparing Candidate Hospital Report Cards

    Energy Technology Data Exchange (ETDEWEB)

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


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

  15. Citizen empowerment using healthcare and welfare cards. (United States)

    Cheshire, Paul


    Cards are used in health and welfare to establish the identity of the person presenting the card; to prove their entitlement to a welfare or healthcare service; to store data needed within the care process; and to store data to use in the administration process. There is a desire to empower citizens - to give them greater control over their lives, their health and wellbeing. How can a healthcare and welfare card support this aim? Does having a card empower the citizen? What can a citizen do more easily, reliably, securely or cost-effectively because they have a card? A number of possibilities include: Choice of service provider; Mobility across regional and national boundaries; Privacy; and Anonymity. But in all of these possibilities a card is just one component of a total system and process, and there may be other solutions--technological and manual. There are risks and problems from relying on a card; and issues of Inclusion for people who are unable use a card. The article concludes that: cards need to be viewed in the context of the whole solution; cards are not the only technological mechanism; cards are not the best mechanism in all circumstances; but cards are very convenient method in very many situations.

  16. Engineering software development with HyperCard (United States)

    Darko, Robert J.


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

  17. Helping Students Design HyperCard Stacks. (United States)

    Dunham, Ken


    Discusses how to teach students to design HyperCard stacks. Highlights include introducing HyperCard, developing storyboards, introducing design concepts and scripts, presenting stacks, evaluating storyboards, and continuing projects. A sidebar presents a HyperCard stack evaluation form. (AEF)

  18. Credit-proofing fundamentals for a solid credit policy

    Energy Technology Data Exchange (ETDEWEB)

    Lydiatt, I. [KeySpan Energy Canada, Calgary, AB (Canada)


    This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab.

  19. Credit-proofing fundamentals for a solid credit policy

    International Nuclear Information System (INIS)

    Lydiatt, I.


    This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab


    Directory of Open Access Journals (Sweden)

    Ekaterina I. Bragina


    Full Text Available The article deals with functional program that allows to generate a visualrepresentation of the shareholder tothe innovative project early stage ofdevelopment, formed a color-based cards.

  1. Big Memory Elegance: HyperCard Information Processing and Desktop Publishing. (United States)

    Bitter, Gary G.; Gerson, Charles W., Jr.


    Discusses hardware requirements, functions, and applications of five information processing and desktop publishing software packages for the Macintosh: HyperCard, PageMaker, Cricket Presents, Power Point, and Adobe illustrator. Benefits of these programs for schools are considered. (MES)

  2. 48 CFR 213.270 - Use of the Governmentwide commercial purchase card. (United States)


    ... 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...

  3. California Air Resources board's mobil source emission reduction credit guidelines

    International Nuclear Information System (INIS)

    Dunwoody Lentz, C.; Werner, B.


    The California Air Resources Board has developed guidance for the generation and use of mobil source emission reduction credits. Mobil source credits can be used to improve air quality, or to mitigate increases in emissions associated with industrial and non-industrial sources. They are created by programs which reduce mobile source emission beyond the reductions required by federal, state, and local laws or air quality attainment plans. Significant amounts of credit can be generated by some types of programs which reduce mobile source emissions of oxides of nitrogen (NO x ) and reactive organic gases (ROG). Mobile source credit programs must be carefully structured to ensure that emission reductions are real, accurately quantified, enforceable, and have a defined life. Three potentially feasible programs for the creation of mobile source credits include accelerated retirement of older vehicles, purchase of low-emission buses, and purchase of zero-emission vehicles. These programs are evaluated for their ability to generate credit and to assess their cost effectiveness. Based on the examples presented, two methods of generating mobile source credits, the accelerated retirement of older vehicles and the purchase of low-emission buses, appear to be cost-effective when compared to other emission control measures

  4. Impact of a Ninth-Grade Transition Program on Cumulative GPAs and Credits, Ninth-Grade Dropout Rates, and Student Satisfaction (United States)

    Buhrman, B. R.


    Concerned educators have been implementing ninth-grade transition programs to help freshmen adjust to the demands in high school and to reduce ninth-grade failure rates. The purpose of this quasi-experimental quantitative study was to investigate the impact of a ninth-grade transition program. The research questions addressed impact on cumulative…

  5. Effects on Funding Equity of the Arizona Tax Credit Law

    Directory of Open Access Journals (Sweden)

    Glen Y. Wilson


    Full Text Available This article examines the results from the first year (1998 of the Arizona Education Tax Credit program. The tax credit law allows individuals a dollar- for-dollar tax credit of $500 for donations to private schools and a dollar-for-dollar tax credit of $200 for donations to public schools. Although one justification for this statute was that it would help lower income students, the primary beneficiaries of this program tend to be the relatively well off. The author concludes that Arizona's tax credit law increases educational funding inequity in Arizona. Data for 1999, only recently made available, show a 159.1 percent increase in total contributions and an exacerbation of the trends noted here.

  6. An method of verify period signal based on data acquisition card

    International Nuclear Information System (INIS)

    Zeng Shaoli


    This paper introduces an method to verify index voltage of Period Signal Generator by using data acquisition card. which it's error is less 0.5%. A corresponding Win32's program, which use voluntarily developed VxD to control data acquisition card direct I/O and multi thread technique for gain the best time scale precision, has developed in Windows platform. The program will real time collect inda voltage data and auto measure period. (authors)

  7. Value of credit bureau reports

    Directory of Open Access Journals (Sweden)

    Brković Milan


    Full Text Available An efficient system of credit information sharing contributes to solving the problem of information asymmetry on the credit and financial markets in general. The consequences of the global economic and financial crisis revealed an increasing demand for reliable information and data which could close the existing gap in their insufficiency, misuse or inadequate analytical value for the economic and financial policy makers. In that sense, more attention is directed to the usefulness of credit information sharing and the practical value of information and data contained in credit bureau reports for the purposes of achieving the overall economic policy goals. The fulfillment of that role depends mostly on the credit information sharing system and its characteristics, participants, and procedures. A credit bureau report in the best possible manner reflects all advantages and disadvantages of the established credit information exchange system in terms of its analytical value for the purposes of efficient macroeconomic and macrofinancial policies.

  8. GHG trading awaits early action credit

    International Nuclear Information System (INIS)



    The challenges facing the Canadian government in implementing a green house gas (GHG) emissions trading program were discussed. The government of Canada is proposing to establish a program offering credit for early action on GHG reduction. However, the program is proving to be difficult to design because Canada's national implementation strategy for climate change has not yet been defined. The program is intended to reveal how emitters can invest in GHG reduction now, and use them against future regulations limiting emissions. The intention is to design the program on the principle that any company which decreases GHG emissions below its 'business-as-usual' level will receive a credit which can later be sold to another source which wants to offset its emissions. Nevertheless, the government is looking for real reductions in the sense that it is trying to bend the 'business-as-usual' forecast down towards the Kyoto targets, and is trying to ensure that the system is a rigorous one before any credits are issued

  9. Financial sustainability in savings and credit programmes. (United States)

    Havers, M


    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

  10. 77 FR 30377 - Health Insurance Premium Tax Credit (United States)


    ... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: This document contains final regulations relating to the health insurance premium tax... categories of immigrants described in the Children's Health Insurance Program Reauthorization Act. One...

  11. Quantitative simulation tools to analyze up- and downstream interactions of soil and water conservation measures: supporting policy making in the Green Water Credits program of Kenya. (United States)

    Hunink, J E; Droogers, P; Kauffman, S; Mwaniki, B M; Bouma, J


    Upstream soil and water conservation measures in catchments can have positive impact both upstream in terms of less erosion and higher crop yields, but also downstream by less sediment flow into reservoirs and increased groundwater recharge. Green Water Credits (GWC) schemes are being developed to encourage upstream farmers to invest in soil and water conservation practices which will positively effect upstream and downstream water availability. Quantitative information on water and sediment fluxes is crucial as a basis for such financial schemes. A pilot design project in the large and strategically important Upper-Tana Basin in Kenya has the objective to develop a methodological framework for this purpose. The essence of the methodology is the integration and use of a collection of public domain tools and datasets: the so-called Green water and Blue water Assessment Toolkit (GBAT). This toolkit was applied in order to study different options to implement GWC in agricultural rainfed land for the pilot study. Impact of vegetative contour strips, mulching, and tied ridges were determined for: (i) three upstream key indicators: soil loss, crop transpiration and soil evaporation, and (ii) two downstream indicators: sediment inflow in reservoirs and groundwater recharge. All effects were compared with a baseline scenario of average conditions. Thus, not only actual land management was considered but also potential benefits of changed land use practices. Results of the simulations indicate that especially applying contour strips or tied ridges significantly reduces soil losses and increases groundwater recharge in the catchment. The model was used to build spatial expressions of the proposed management practices in order to assess their effectiveness. The developed procedure allows exploring the effects of soil conservation measures in a catchment to support the implementation of GWC. Copyright © 2012 Elsevier Ltd. All rights reserved.

  12. Circuit card failures and industry mitigation strategy

    Energy Technology Data Exchange (ETDEWEB)

    Mondal, U. [Candu Owners Group, Toronto, Ontario (Canada)


    In recent years the nuclear industry has experienced an increase in circuit card failures due to ageing of components, inadequate Preventive Maintenance (PM), lack of effective circuit card health monitoring, etc. Circuit card failures have caused loss of critical equipment, e.g., electro hydraulic governors, Safety Systems, resulting in loss of function and in some cases loss of generation. INPO completed a root cause analysis of 40 Reactor Trips/Scrams in US reactors and has recommended several actions to mitigate Circuit Card failures. Obsolescence of discrete components has posed many challenges in conducting effective preventative maintenance on circuit cards. In many cases, repairs have resulted in installation of components that compromise performance of the circuit cards. Improper termination and worn edge connectors have caused intermittent contacts contributing to circuit card failures. Traditionally, little attention is paid to relay functions and preventative maintenance of relay. Relays contribute significantly to circuit card failures and have dominated loss of generation across the power industry. The INPO study recommended a number of actions to mitigate circuit card failures, such as; identification of critical components and single point vulnerabilities; strategic preventative maintenance; protection of circuit boards against electrostatic discharge; limiting power cycles; performing an effective burn-in prior to commissioning of the circuit cards; monitoring performance of DC power supplies; limiting cabinet temperatures; managing of component aging/degradation mechanism, etc. A subcommittee has been set up under INPO sponsorship to understand the causes of circuit card failure and to develop an effective mitigation strategy. (author)

  13. Emissions credits from natural gas vehicles

    International Nuclear Information System (INIS)

    Anderson, J.F.; Kodjak, D.


    Dedicated natural gas vehicles (NGVs) often are capable of testing to lower than federally required engine certification standards. NGVs often meet inherently low emission vehicle (ILEV) and ultra low emission vehicle (ULEV) standards. Over the useful life of the vehicle, a significant amount of mobile source emission reduction credits (MSERCs) can be generated. This paper will discuss key elements of establishing a workable methodology to quantify the emissions benefits generated through the purchase and use of heavy-duty natural gas vehicles instead of heavy-duty diesel vehicles. The paper will focus on a public fleet of transit buses owned by the Massachusetts Bay Transit Agency, the Massachusetts Port Authority, and a private fleet of waste haulers. Public fleets may generate emission credits as a key compliance option to offset emission shortfalls from changes to the Employee Commute Options (ECO) program, the Inspection and Maintenance program, and facilitate annual surface transportation conformity. Private fleets may generate emission credits for open market trading to area and stationary sources seeking to buy credits from mobile sources, where allowed by EPA and state policy

  14. Burnup credit effect on proposed cask payloads

    International Nuclear Information System (INIS)

    Hall, I.K.


    The purpose of the Cask Systems Development Program (CSDP) is to develop a variety of cask systems which will allow safe and economical movement of commercial spent nuclear fuel and high-level waste from the generator to the Federal repository or Monitored Retrievable Storage (MRS) facility. Program schedule objectives for the initial phase of the CSDP include the development of certified spent fuel cask systems by 1995 to support Office of Civilian Radioactive Waste Management shipments from the utilities beginning in the late 1990s. Forty-nine proposals for developing a family of spent fuel casks were received and comparisons made. General conclusions that can be drawn from the comparisons are that (1) the new generation of casks will have substantially increased payloads in comparison to current casks, and (2) an even greater payload increase may be achievable with burnup credit. The ranges in the payload estimates do not allow a precise separation of the payload increase attributable to the proposed allowance of fuel burnup credit, as compared wilt the no-burnup-credit case. The beneficial effects of cask payload increases on overall costs and risks of transporting spent fuel are significant; therefore further work aimed toward taking advantage of burnup credit is warranted

  15. Signal processing for smart cards (United States)

    Quisquater, Jean-Jacques; Samyde, David


    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


    Directory of Open Access Journals (Sweden)

    Fenny Thresia


    Full Text Available This research is a qualitative research with two variables. The classroom action research is conducted at phisics study program of Muhammadiyah University of Metro. The subject of this research is first semester students of physics study program. The number of the students is 22. The objective of this research was to know how cue cards technique improve the students’ writing ability in descriptive text. The researcher choose one class because they have problem in writing ability. This research was conducted in two cycles. Each cycle consisted of planning, acting, observing and reflecting. The data were collected from test (pre test and post test, observation. The result of this research can be seen from the average score of pre test (before treatment was 61,86, in cycle 1 was 70,90 and in post test cycle 2 was 78. That was involved in upgrading maximally. It implied that cue cards technique can improve the students writing ability in descriptive text. In other words, the class had fulfilled criteria success of standard students competency from the school.It was supported by the observation of the students. From the result of the discussion, the researcher concludes that in this research there is an improvement student writing ability in descriptive text using cue cards technique at the students of physics academic year 2015/2016. Key Words : Descriptive Text, Writing Ability, Cue Cards Technique

  17. Credit Rating and Competition


    Nelson Camanho; Pragyan Deb; Zijun Liu


    In principle, credit rating agencies are supposed to be impartial observers that bridge the gap between private information of issuers and the information available to the wider pool of investors. However, since the 1970s, rating agencies have relied on an issuer-pay model, creating a conflict of interest the largest source of income for the rating agencies are the fees paid by the issuers the rating agencies are supposed to impartially rate. In this paper, we explore the trade-off between re...

  18. Jump Start: International High School Students From Other Countries Earning Early U.S. College Credits (United States)

    Hu, Jiayi; Hagedorn, Linda Serra


    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…

  19. Beyond "banking for the poor": credit mechanisms and women's empowerment. (United States)

    Albee, A


    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.

  20. Quality of urban forest carbon credits (United States)

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


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

  1. Sustainability Cards: Design for Longevity

    DEFF Research Database (Denmark)

    Hasling, Karen Marie; Ræbild, Ulla


    Product longevity is considered widely as a relevant strategic approach, amongst many, within the field of sustainability. Yet, how to design for increased product lifetime may not be so obvious for practitioners. The complexity of the surrounding issues can constitute a barrier for designers...... for designers and other stakeholders in the design process. The paper is based on a developmental project carried out in the Autumn 2017, within a larger research and collaboration project between raw fur manufacturer Kopenhagen Fur and Design School Kolding investigating sustainability perspectives. The paper...... describes the development of a deck of sustainability cards aiming for product longevity and presents the final deck. Furthermore, the paper contributes with insights on how designers may apply design cards in the design process and how this practice can further sustainable considerations and strategies...

  2. Credit scoring for individuals

    Directory of Open Access Journals (Sweden)

    Maria DIMITRIU


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

  3. Valutazione economica dello studio CARDS

    Directory of Open Access Journals (Sweden)

    Simona de Portu


    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.

  4. [Application of patient card technology to health care]. (United States)

    Sayag, E; Danon, Y L


    The potential benefits of patient card technology in improving management and delivery of health services have been explored. Patient cards can be used for numerous applications and functions: as a means of identification, as a key for an insurance payment system, and as a communication medium. Advanced card technologies allow for the storage of data on the card, creating the possibility of a comprehensive and portable patient record. There are many types of patient cards: paper or plastic cards, microfilm cards, bar-code cards, magnetic-strip cards and integrated circuit smart-cards. Choosing the right card depends on the amount of information to be stored, the degree of security required and the cost of the cards and their supporting infrastructure. Problems with patient cards are related to storage capacity, backup and data consistency, access authorization and ownership and compatibility. We think it is worth evaluating the place of patient card technology in the delivery of health services in Israel.

  5. 76 FR 4408 - Notice of Funding Availability for Applications for Credit Assistance Under the Transportation... (United States)


    ... to be selected for credit assistance. Because demand for the TIFIA program can exceed budgetary... Applications Because the demand for credit assistance can exceed budgetary resources, the DOT is utilizing... Availability for Applications for Credit Assistance Under the Transportation Infrastructure Finance and...

  6. 76 FR 3190 - Notice of Funding Availability for Applications for Credit Assistance Under the Transportation... (United States)


    ... specified criteria to be selected for credit assistance. Because demand for the TIFIA program can exceed... Applications Because the demand for credit assistance can exceed budgetary resources, the DOT is utilizing...] Notice of Funding Availability for Applications for Credit Assistance Under the Transportation...

  7. 75 FR 45145 - Notice of Submission of Proposed Information Collection to OMB Final Endorsement of Credit... (United States)


    ... Proposed Information Collection to OMB Final Endorsement of Credit Instrument (HUD Programs) AGENCY: Office... proposal. Information collected is used to request final endorsement by HUD of the credit instrument. The...: Title of Proposal: Final Endorsement of Credit Instrument. OMB Approval Number: 2502-0016. Form Numbers...

  8. 76 FR 32880 - Encouraging New Markets Tax Credit Non-Real Estate Investments (United States)


    ... Encouraging New Markets Tax Credit Non-Real Estate Investments AGENCY: Internal Revenue Service (IRS... markets tax credit. Specifically, this document invites comments from the public on how the new markets tax credit program may be amended to encourage non-real estate investments. The regulations will...

  9. Rh-flash acquisition card

    International Nuclear Information System (INIS)

    Bourrion, O.


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

  10. Feocromocitoma cardíaco

    Directory of Open Access Journals (Sweden)

    Gustavo L. Knop


    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.

  11. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

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

  12. Is credit for early action credible early action?

    International Nuclear Information System (INIS)

    Rolfe, C.; Michaelowa, A.; Dutschke, M.


    Credit for early action as a tool for greenhouse gas emissions reduction is compared with various market instruments as a means of narrowing the gap between projected emissions and those of the Kyoto Protocol. Market instruments work by creating a market price for emissions and use the market to encourage reductions at the lowest price, which is done by placing limits on greenhouse gas emissions and allowing the market to decide where reductions occur, or by imposing a carbon tax or emissions charge. While they can be applied within a sector, they are usually used to encourage reductions throughout the economy or across large sectors. Credit for early action also creates an incentive for emissions reductions throughout the economy or at least across many sectors. Credit for early action tools do not work by either imposing a carbon tax or emissions charge or placing limits on emissions, rather they promise that entities that take action against greenhouse gases prior to the imposition of a carbon tax or emissions limits will receive a credit against future taxes or limits. An overview is provided of the Kyoto Protocol and the rationale for taking early action, and a review is included of the theory and specific proposals for market instruments and credit for early action. A comparative analysis is provided of these approaches by examining their relative efficiency, environmental effectiveness, and impacts on the redistribution of wealth. Credit for early action is viewed as problematic on a number of counts and is seen as an interim strategy for imposition while political support for market instruments develop. The environmental effectiveness of credit for early action is very difficult to predict, and credit for early action programs do not yield the lowest cost emissions reductions. Credit for early action programs will not achieve compliance with the Kyoto Protocol at the lowest cost, and credits for early action will increase the compliance costs for those who

  13. 76 FR 66872 - International Services Surveys: Amendments to the BE-150, Quarterly Survey of Cross-Border Credit... (United States)


    ... Economic Analysis (BEA), U.S. Department of Commerce, would conduct the survey under the International... DEPARTMENT OF COMMERCE Bureau of Economic Analysis 15 CFR Part 801 [Docket No. 110817508-1529-01...-Border Credit, Debit, and Charge Card Transactions AGENCY: Bureau of Economic Analysis, Commerce. ACTION...

  14. A prepaid case study: Ready Credit’s general-purpose & transit-fare programs


    Philip Keitel


    Today, prepaid cards are used in dozens of payment applications. To examine the most recent developments, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop on August 22, 2011. Leading the workshop was Tim Walsh, president and chief executive officer of Ready Credit Corporation, a firm that developed network-branded prepaid cards for use in transit-fare systems and also markets general-purpose, reloadable prepaid cards to consumers. Walsh discussed the uniq...

  15. Burnup credit applications in a high-capacity truck cask

    International Nuclear Information System (INIS)

    Boshoven, J.K.


    General Atomics (GA) has designed two legal weight truck (LWT) casks, the GA-4 and GA-9, to carry four pressurized-water-reactor (PWR) and nine boiling-water-reactor (BWR) fuel assemblies, respectively. GA plans to submit applications for certification to the US Nuclear Regulatory Commission (NRC) for the two casks in mid-1993. GA will include burnup credit analysis in the Safety Analysis Report for Packaging (SARP) for the GA-4 Cask. By including burnup credit in the criticality safety analysis for PWR fuels with initial enrichments above 3% U-235, public and occupation risks are reduced and cost savings are realized. The GA approach to burnup credit analysis incorporates the information produced in the US Department of Energy Burnup Credit Program. This paper describes the application of burnup credit to the criticality control design of the GA-4 Cask

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

    Directory of Open Access Journals (Sweden)

    Đurđana Ozretić Došen


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

  17. Concurrent credit portfolio losses. (United States)

    Sicking, Joachim; Guhr, Thomas; Schäfer, Rudi


    We consider the problem of concurrent portfolio losses in two non-overlapping credit portfolios. In order to explore the full statistical dependence structure of such portfolio losses, we estimate their empirical pairwise copulas. Instead of a Gaussian dependence, we typically find a strong asymmetry in the copulas. Concurrent large portfolio losses are much more likely than small ones. Studying the dependences of these losses as a function of portfolio size, we moreover reveal that not only large portfolios of thousands of contracts, but also medium-sized and small ones with only a few dozens of contracts exhibit notable portfolio loss correlations. Anticipated idiosyncratic effects turn out to be negligible. These are troublesome insights not only for investors in structured fixed-income products, but particularly for the stability of the financial sector. JEL codes: C32, F34, G21, G32, H81.



    Klimova N. V.; Shapovalova G. I.


    Small business is the basis for the development of the national economy, providing 60% of revenues in foreign countries. In Russia, this sector is developing slowly due to lack of funding. In connection with the development of small business, lending is growing in popularity in this sphere. The state develops a variety of programs to support small businesses in the form of public and private lending institutions, venture capital funds, credit unions. However, the volume of lending to small bu...

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

    Directory of Open Access Journals (Sweden)

    Lam Tak Ming


    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

  20. Targeting micro-credits to poor household enterprises in Ecuador

    NARCIS (Netherlands)

    Hidalgo, D.; Oosterbeek, H.


    In 2007 the government of Ecuador launched a micro-credit program for enterprises run by poor households. The program was targeted to households at the bottom two quintiles in the wealth distribution. This paper uses data collected prior to the start of the program to examine whether the

  1. Augmenting C-cards with music actions

    DEFF Research Database (Denmark)

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


    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. C-cards in Music Education

    DEFF Research Database (Denmark)

    Valente, Andrea; Lyon, Kirstin Catherine


    Music and Computer Science share a dual nature: theory and practice relate in complex ways, and seem to be equally central for learners; for this no standard teaching approach for children has yet emerged in either of these two areas. Computational cards is a tabletop game, where cards act...... of the card; if the action is to generate a sound, then the circuit will effectively became a music machine....

  3. Why do card issuers charge proportional fees?


    Oz Shy; Zhu Wang


    This paper explains why payment card companies charge consumers and merchants fees which are proportional to the transaction values instead of charging a fixed per-transaction fee. Our theory shows that, even in the absence of any cost considerations, card companies earn much higher profit when they charge proportional fees. It is also shown that competition among merchants reduces card companies' gains from using proportional fees relative to a fixed per-transaction fee. Merchants are found ...

  4. Prepaid cards: vulnerable to money laundering?


    Stanley J. Sienkiewicz


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

  5. Falla cardíaca (primera parte)


    Flórez Alarcón, Noel Alberto; Fundación Valle de Lili


    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?

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

    Directory of Open Access Journals (Sweden)

    Oriol Amat


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

  7. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn


    This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

  8. Tuition Tax Credits. Issuegram 19. (United States)

    Augenblick, John; McGuire, Kent

    Approaches for using the federal income tax system to aid families of pupils attending private schools include: tax credits, tax deductions, tax deferrals, and education savings incentives. Tax credit structures can be made refundable and made sensitive to taxpayers' income levels, the level of education expenditures, and designated costs.…

  9. Toronto Smog Summit Report Card

    International Nuclear Information System (INIS)


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

  10. CELLMATE: Prototype HyperCard Stack for Anatomic Pathology Quality Assurance


    Berman, Jules J.; Moore, G. William


    Apple Macintosh HyperCardR is a hierarchical programming environment, with linkages between visual data fields. CELLMATE is a public-domain hyperCard stack containing three graphic user templates: a report template modeled on the standard U. S. Government tissue consultation form, a quality assurance template, and a statistics template that automatically compiles data retrieved from the report files according to the specific search and organization instructions contained in the statistics “bu...

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

    NARCIS (Netherlands)

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


    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

  12. Credit Trading and Wind Power: Issues and Opportunities

    Energy Technology Data Exchange (ETDEWEB)

    Kevin Rackstraw, John Palmisano


    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.

  13. 12 CFR 703.6 - Credit analysis. (United States)


    ... 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...

  14. The influence of sovereign credit ratings on corporate credit ratings.


    Umutoni, Liliane


    Credit ratings have a key role in modern financial markets as they communicate crucial information on the creditworthiness of a debt issuer to investors and regulators. These credit ratings are mostly determined by three rating agencies, namely Standard & Poor’s, Moody’s and Fitch, even though, the credit rating industry counts a dozen of recognized rating agencies. Indeed, the three agencies have become the market leaders with a market share of 94.3% on the U.S market (Bloomberg, 2015) and 9...

  15. Wire Scanner Motion Control Card

    CERN Document Server

    Forde, S E


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

  16. Smart Cards 101: Everything a Beginner Needs To Get Started. (United States)

    Wiens, Janet


    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)

  17. Real Communication through Interview and Conversation Cards (United States)

    Bonin, Therese M.; Birckbichler, Diane W.


    A method for use in foreign language teaching which involves the use of conversation cards and interview cards is described. The method is intended to improve the ability of the student to communicate in the language and allow for greater individualization of instruction. (RM)

  18. Enhancing Students' Learning: Instant Feedback Cards (United States)

    Mohrweis, Lawrence C.; Shinham, Kathe M.


    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…

  19. Re-Designing Business Card Advertisements. (United States)

    Schaub, Laura


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

  20. Fingerprint matching on smart card: A review

    CSIR Research Space (South Africa)

    Baruni, Kedimotse P


    Full Text Available Fingerprint Match-on-Card (MoC) offers the highest degree of privacy and security to cardholders as the fingerprint never leaves the secure environment of a smart card. The level of security of a biometric system is evaluated by the location where...

  1. Comparative Study of the New Colorimetric VITEK 2 Yeast Identification Card versus the Older Fluorometric Card and of CHROMagar Candida as a Source Medium with the New Card


    Aubertine, C. L.; Rivera, M.; Rohan, S. M.; Larone, D. H.


    The new VITEK 2 colorimetric card was compared to the previous fluorometric card for identification of yeast. API 20C was considered the “gold standard.” The new card consistently performed better than the older card. Isolates from CHROMagar Candida plates were identified equally as well as those from Sabouraud dextrose agar.

  2. Prepaid cards: how do they function? how are they regulated?


    Mark Furletti


    This conference, sponsored by the Payment Cards Center, brought together prepaid card industry leaders and regulators to discuss how various prepaid-card systems work and the ways in which different state and federal laws can affect them. The conference featured sessions on bank- and merchant-issued gift cards, payroll cards, and flexible spending account cards. It also featured presentations by experts on Regulation E, the Federal Deposit Insurance Act, state money transmitter laws, and stat...

  3. Credit Surety Fund: A credit innovation for micro, small, and medium-sized enterprises in the Philippines


    Maningo, Gary V.


    Micro, small, and medium-sized enterprises are a backbone of the Philippine economy. One factor that hinders the growth of these enterprises is their difficulty in accessing finance from banks and other financial institutions. The Credit Surety Fund (CSF) was established to help these enterprises and other organizations become creditworthy and bankable. The CSF is a credit guarantee program initiated by the Bangko Sentral ng Pilipinas that enables enterprises and cooperatives to gain easier a...

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

    Energy Technology Data Exchange (ETDEWEB)



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

  5. [Role of a credit system in the development of continuous postgraduate training of physicians within the framework of the innovation educational space formation program of the I. M. Sechenov Moscow Medical Academy]. (United States)

    Vyzhigina, M A; Buniatian, A A; Sizova, Zh M; Protopopova, T A; Zaugol'nikova, T V; Zhukova, S G


    Russia 's joining the European higher educational space and an increase in the international competitive capacity of the European higher educational system envisage first of all that the European credit test system (ECTS) should be accepted and introduced into all national higher educational schools, which ensures both credit test and cumulative functions and guarantees the academic recognition of the education abroad. The issues of modernization of approaches to reforming the continuous postgraduate training of physicians, by using the credit test system, as well as new forms and technologies for an educational process in accordance with the European educational system principles are under discussion. The novelty of the proposed development is that the credit test system is first applied to the continuous postgraduate training of physicians within the framework of the Russian higher medical educational system. The Russian continuous postgraduate medical training pattern that is common in form and content is proposed in accordance with the Bologna declaration principles; approaches have been developed to incorporating the European educational traditions into the Russian national continuous postgraduate medical training system, by employing the credit test system; criteria have been elaborated for adapting the European credit test system at all stages of reformation of the Russian educational system; guidelines have been worked out for the conversion of academic load of various forms of the continuous postgraduate training of physicians to the credit test system; ways of introducing the new forms and technologies into an educational process have been proposed in accordance with the European education system principles, by taking into account the credit test system. The introduction of new technologies of an educational process, by using the credit test system will contribute to personality formation in a physician who has a high competence, a capacity for valuable

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


    Robert S. Pindyck


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

  7. The Visualization Toolkit (VTK): Rewriting the rendering code for modern graphics cards (United States)

    Hanwell, Marcus D.; Martin, Kenneth M.; Chaudhary, Aashish; Avila, Lisa S.


    The Visualization Toolkit (VTK) is an open source, permissively licensed, cross-platform toolkit for scientific data processing, visualization, and data analysis. It is over two decades old, originally developed for a very different graphics card architecture. Modern graphics cards feature fully programmable, highly parallelized architectures with large core counts. VTK's rendering code was rewritten to take advantage of modern graphics cards, maintaining most of the toolkit's programming interfaces. This offers the opportunity to compare the performance of old and new rendering code on the same systems/cards. Significant improvements in rendering speeds and memory footprints mean that scientific data can be visualized in greater detail than ever before. The widespread use of VTK means that these improvements will reap significant benefits.

  8. Armenia - Water to Market Credit (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...

  9. Insider protection: A report card

    International Nuclear Information System (INIS)

    Al-Ayat, R.A.; Judd, B.R.


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

  10. Insider protection: a report card

    International Nuclear Information System (INIS)

    Al-Ayat, R.A.; Judd, B.R.


    Enhanced security measures against external threats (e.g., terrorists, criminals) have been implemented at most facilities that handle special nuclear material, classified information, or other assets critical to national security. Attention is not focussing on insider protection, and safeguards managers are attempting to provide balanced protection against insider and outsider threats. Potential insider threats include attempts by facility employees to steal special nuclear material (SNM), to cause a radiological hazard to the public, to sabotage critical facilities, or to steal property or classified information. This paper presents a report card on the status of insider protection at Department of Energy and Nuclear Regulatory Commission-licensed facilities, with emphasis on SNM theft. We discuss the general trends in insider protection and the limitations of protection measures currently in use. We also discuss the most critical needs for improved procedures, technology, analytical tools, and education for safeguards personnel

  11. Card - Electronic Money. Comparative Study

    Directory of Open Access Journals (Sweden)

    Mariana Rodica TIRLEA


    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.

  12. Academic Credit at Marymount Manhattan College for Student Volunteers. (United States)

    Storey, Eileen

    The report describes a 2-year project at Marymount Manhattan College (New York) to develop and implement a community service program which provides student participants with tuition credits. Students served in either a shelter for homeless women or with a tutorial program for adults preparing for the high-school equivalency examination. The report…

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

    Directory of Open Access Journals (Sweden)

    Lars Donath


    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.

  14. Trade Credit and Informational Asymmetry.


    Smith, Janet Kiholm


    Commonly used trade credit terms implicitly define a high interest rate that operates as an efficient screening device where information about buyer default risk is asymmetrically held. By offering trade credit, a seller can identify prospective defaults more quickl y than if financial institutions were the sole providers of short-ter m financing. The information is valuable in cases where a seller has made nonsalvageable investments in buyers since it enables the seller to take actions to pr...

  15. Capital Requirements and Credit Rationing


    Itai Agur


    This paper analyzes the trade-off between financial stability and credit rationing that arises when increasing capital requirements. It extends the Stiglitz-Weiss model of credit rationing to allow for bank default. Bank capital structure then matters for lending incentives. With default and rationing endogenous, optimal capital requirements can be analyzed. Introducing bank financiers, the paper also shows that uninsured funding raises the sensitivity of rationing to capital requirements. In...

  16. Credit Stagnation in Latin America


    Adolfo Barajas; Roberto Steiner


    This study examines the recent marked slowdown in bank credit to the private sector in Latin America. Based on the study of eight countries (Argentina, Bolivia, Brazil, Chile, Colombia, Peru, Mexico, and Venezuela), the magnitude of the slowdown is documented, comparing it to historical behavior and to slowdown episodes in other regions of the world. Second, changes in bank balance sheets are examined to determine whether the credit slowdown is merely a reflection of a slowdown in bank deposi...

  17. Creation of Carbon Credits by Water Saving

    Directory of Open Access Journals (Sweden)

    Yasutoshi Shimizu


    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.

  18. A microprocessor card software server to support the Quebec health microprocessor card project. (United States)

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


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

  19. 40 CFR 80.310 - How are credits generated beginning in 2004? (United States)


    ..., may generate credits in 2004 and thereafter if the annual average sulfur level for gasoline produced... gasoline produced at a refinery or imported during the averaging period. SCredit = 30.00 ppm; or the sulfur... PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Gasoline Sulfur Abt Program-Credit Generation...

  20. The use of burnup credit for spent fuel cask design

    International Nuclear Information System (INIS)

    Lake, W.H.


    A new generation of high capacity spent fuel transport casks is being developed by the U.S. Department of Energy (DOE) as part of the Federal Waste Management System (FWMS). Burnup credit, which recognizes the reduced reactivity of spent fuel is being used for these casks. Two cask designs being developed for DOE by Babcock and Wilcox and General Atomics use burnup credit. The cask designs must be certified by the U.S. Nuclear Regulatory Commission (NRC) if they are to be used in the FWMS. Certification of these casks by the NRC would not require any change in the NRC's transport regulations, and would be consistent with past practices. Furthermore, use of burnup credit casks appears to be consistent with current International Atomic Energy Agency (IAEA) rules and regulations. To support NRC certification, DOE has identified the technical issues related to burnup credit, and embarked on a development program to resolve them. (J.P.N.)