WorldWideScience

Sample records for university payment card

  1. Payment Cards

    Kantnerová Liběna

    2016-09-01

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

  2. Payment card rewards programs and consumer payment choice

    Andrew Ching; Fumiko Hayashi

    2006-01-01

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

  3. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    2010-04-01

    ... 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...

  4. Co-branding of payment cards

    Přikryl, Jiří

    2012-01-01

    The bachelor thesis deals with possibilities and use of co-branding within the financial institutions. It mainly focuses on co-branding payment cards aiming both, the analysis of the current situation on the market for these products in the Czech Republic as well as the outline of their new usage opportunities. The theoretical part defines not only the basic concepts of the branding phenomenon but also more deeply characterizes its part called co-branding. The paper then offers fundamental in...

  5. THE BASIS OF THE MARKET REGULATION OF PAYMENT CARDS

    Khetagurov G. V.

    2017-06-01

    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.

  6. Payment card industry data security standard : readiness project

    Βεργέτης, Μιχαήλ

    2015-01-01

    This paper is my thesis as part of my studies at the Department of Informatics, at University of Piraeus for the Postgraduate Programme in “Techno-economic Management & Security of Digital Systems”. Scope of this paper is to introduce to the reader with the basics of PCI DSS and to guide and provide any sort of assistance to organizations willing to achieve compliance with the Payment Card Industry Data Security Standard (PCI DSS). As for its practical section, a PCI DSS readiness project has...

  7. Introduction of card payment system in a merchant company

    Štrukelj, Anja

    2015-01-01

    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...

  8. 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.

    2013-01-01

    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.

  9. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    2010-10-01

    ... 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...

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

    Jersák, Pavel

    2010-01-01

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

  11. Clearing and settlement of interbank card transactions: a MasterCard tutorial for Federal Reserve payments analysts

    Susan Herbst-Murphy

    2013-01-01

    The Payment Cards Center organized a meeting at which senior officials from MasterCard shared information with Federal Reserve System payments analysts about the clearing and settlement functions that MasterCard performs for its client banks. These functions involve the transfer of information pertaining to card-based transactions (clearing) and the exchange of monetary value (settlement) that takes place between the banks whose customers are cardholders and those banks whose customers are ca...

  12. Smart Cards for Transit : Multi-Use Remotely Interrogated Stored-Data Cards for Fare and Toll Payment

    1995-04-01

    This project developed relevant information on existing and future, stored readable/writable data card technology for fare and toll payments. The project supports the FTA objective of developing a plan for a common standard card-based fare payment sy...

  13. The European Commission's Decision in MasterCard : Issues Facing the Payment Card Industry for the Future

    John Wotton

    2008-01-01

    The Decision in MasterCard displays a fundamental divergence between the Commission’s and MasterCard’s approaches to the analysis of the competitive effects of open payment card schemes.

  14. E-COMMERCE WITH ONLINE PAYMENT THROUGH BANK CARD

    OANA ŞEITAN

    2010-01-01

    Full Text Available The e-commerce has become a routine part of human life because it offers major advantages: convenience (it’s no longer necessary to visit a store to be able to shop, efficiency (the buyer can visit several virtual shops in a very short time, the crowd of shops and the frustration caused by the lack of parking spaces available can be avoided, the customer can choose and compare the desired products taking in consideration a set of characteristics such as price, grammage, color, delivery dat, etc. and the development of secure solutions for online payment (through: bank cards, ePay, cybercash, SmartCard, electronic funds transfer, Ecash. In the last decade, the electronic payment systems have been improved, reaching high levels of security and speed, acquiring a private, confidential, decentralization and internationalization character.

  15. 48 CFR 32.1108 - Payment by Governmentwide commercial purchase card.

    2010-10-01

    ... Governmentwide commercial purchase card. A Governmentwide commercial purchase card charge authorizes the third... payment requests by a charge to a Government account with the third party at the time the payment clause(s... commercial purchase card. 32.1108 Section 32.1108 Federal Acquisition Regulations System FEDERAL ACQUISITION...

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

    Bolt, Wilko; Schmiedel, Heiko

    2013-01-01

    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

  17. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    2010-04-01

    ... 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...

  18. 75 FR 49821 - Information Reporting for Payments Made in Settlement of Payment Card and Third Party Network...

    2010-08-16

    ...-value cards (including gift cards). All of these provisions are retained in the final regulations... statutory definition are met. Electronic benefit transactions for the purchase of goods or services, made on... goods or services to (1) send a purchase invoice electronically to customers; and (2) accept payment...

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

    John O' Raw

    2011-08-01

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

  20. Digitizing Villanova University's Eclipsing Binary Card Catalogue

    Guzman, Giannina; Dalton, Briana; Conroy, Kyle; Prsa, Andrej

    2018-01-01

    Villanova University’s Department of Astrophysics and Planetary Science has years of hand-written archival data on Eclipsing Binaries at its disposal. This card catalog began at Princeton in the 1930’s with notable contributions from scientists such as Henry Norris Russel. During World War II, the archive was moved to the University of Pennsylvania, which was one of the world centers for Eclipsing Binary research, consequently, the contributions to the catalog during this time were immense. It was then moved to University of Florida at Gainesville before being accepted by Villanova in the 1990’s. The catalog has been kept in storage since then. The objective of this project is to digitize this archive and create a fully functional online catalog that contains the information available on the cards, along with the scan of the actual cards. Our group has built a database using a python-powered infrastructure to contain the collected data. The team also built a prototype web-based searchable interface as a front-end to the catalog. Following the data-entry process, information like the Right Ascension and Declination will be run against SIMBAD and any differences between values will be noted as part of the catalog. Information published online from the card catalog and even discrepancies in information for a star, could be a catalyst for new studies on these Eclipsing Binaries. Once completed, the database-driven interface will be made available to astronomers worldwide. The group will also acquire, from the database, a list of referenced articles that have yet to be found online in order to further pursue their digitization. This list will be comprised of references in the cards that were neither found on ADS nor online during the data-entry process. Pursuing the integration of these references to online queries such as ADS will be an ongoing process that will contribute and further facilitate studies on Eclipsing Binaries.

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

    Robert S. Pindyck

    2007-01-01

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

  2. Legal policy justification for the crime of non-covered use of payment cards

    Vuković Igor

    2014-01-01

    Full Text Available In this paper the authors discuss the legal policy reasons for the crime of non-covered use of payments cards (Criminal Code, Art. 228(1. In the first part of the paper the ratio legis of this crime is explained. It is concluded that the non-covered use of payment cards deserves to be criminally sanctioned only when, based of the card's use, the card issuer becomes personally liable for payment to the third party not privy to the contract between the issuer and the card-holder. Conversely, criminal proscribing is not justified when debit cards are used at the point-of-sale or the ATM of another bank, since here the issuer authorizes the payment transaction and thereby participates in assuming his own obligation to pay to the third party. The second part of the paper contains critical analysis of the proscribed non-covered use of payment cards in the Serbian Criminal Code. In this respect the authors show the lack of clarity and certain discrepancies with the explained ratio legis of such a crime. Based on the comprehensive analysis of the issues regarding the justification of criminal proscribing in this field, in the last part of the paper the authors suggest possible solutions de lege ferenda.

  3. 48 CFR 1332.1108 - Payment by Governmentwide commercial purchase card.

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Payment by Governmentwide commercial purchase card. 1332.1108 Section 1332.1108 Federal Acquisition Regulations System DEPARTMENT OF COMMERCE GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Electronic Funds Transfer 1332.1108 Payment by...

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

    Williams, Rebecca S; Ribisl, Kurt M

    2014-02-01

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

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

    2002-03-01

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

  6. Universal access, cost recovery, and payment services

    Sujit Chakravorti; Jeffery W. Gunther; Robert R. Moore

    2005-01-01

    We suggest a subtle, yet far- reaching, tension in the objectives specified by the Monetary Control Act of 1980 (MCA) for the Federal Reserve’s role in providing retail payment services, such as check processing. Specifically, we argue that the requirement of an overall cost-revenue match, coupled with the goal of ensuring equitable access on a universal basis, partially shifted the burden of cost recovery from high-cost to low-cost service points during the MCA’s early years, thereby allowin...

  7. Analysis of Payment Card Industry Data Security Standard [PCI DSS] Compliance by Confluence of COBIT 5 Framework

    Ashish Ukidve; Ds S SMantha; Milind Tadvalkar

    2017-01-01

    The Payment Card Industry Data Security Standard (PCI DSS) aims to enhance the security of cardholder data and is required when cardholder data or authentication data are stored, processed or transmitted. The implementation of enabling processes from COBIT 5 can complement compliance to PCI DSS. COBIT 5 assists enterprises in governance and management of enterprise IT and, at the same time, supports the need to meet security requirements with supporting processes and management activities. Th...

  8. Determinants of willingness-to-pay for water pollution abatement: a point and interval data payment card application.

    Mahieu, Pierre-Alexandre; Riera, Pere; Giergiczny, Marek

    2012-10-15

    This paper shows a contingent valuation exercise of pollution abatement in remote lakes. In addition to estimating the usual interval data model, it applies a point and interval statistical approach allowing for uncensored data, left-censored data, right-censored data and left- and right-censored data to explore the determinants of willingness-to-pay in a payment card survey. Results suggest that the estimations between models may diverge under certain conditions. Copyright © 2012 Elsevier Ltd. All rights reserved.

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

    McCall, Michael; Eckrich, Donald W

    2006-06-01

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

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

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

    2004-01-01

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

  11. Performance Based Supplementary Payment System at University Hospitals in Turkey

    Vahit YÝÐÝT

    2017-06-01

    Results: The result of the analysis has revealed that PBSP system encourage physicians who would like to receive financial incentives. PBSP system supports the individual performance, reduces waiting times in patients, increases revenues and decreases expenditures and increases in efficiency of department. However, this payment system increases work load, number of examinations and provokes the conflict among personals. Conclusions: University hospitals are academic institutions that perform important missions such as research, medical education and health services provision. Therefore, PBSP system should be revised so as to encourage performing these missions at university hospitals. There is also shortage of financial resources at the university hospitals. This situation leads to less additional payments to physicians. [J Contemp Med 2017; 7(2.000: 126-131

  12. Retrospective Conversion of Card catalogue at the University of ...

    Also, the article describes the conversion methods employed, procedures followed, and pre-conversion preparations made by the library to automate its card catalogue and to assign barcode labels to the collection. Finally it concludes by highlighting problems encountered throughout the project and by giving statistical ...

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

    Maya Sari

    2011-12-01

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

  14. Proposing a Model for Patient Admission and NFC Mobile Payment by Biometric Identification and Smart Health Card

    Mahdi Barkhordari Firouzabadi

    2016-02-01

    Full Text Available Abstract Following the advances in mobile communication and information technology, smart phones have been used in a wide variety of commercial, social, entertainment, file sharing and health transactions and applications. The current procedures in healthcare environment for patient registration, appointment scheduling and payment are time consuming and somehow tiresome. Traditionally, patients were supposed to fill out registration forms, wait for being called, and finally stand in long lines for payment procedures. In some places, appointment could be done online via web but still the patient has to walk in with appointment card and in our case, provide the insurance booklet to the front desk personnel to pay for services and receive discounts for insurance. Therefore, the present study intended to propose a model using Near Field Communication-enabled mobile application for a medical clinic which currently offers online and call services for making an appointment, though patient waiting time is still too much in the current process of payment for services.

  15. News reports: update on buying indoor UV tanning with university debit cards.

    Goff, Kiera L; Karimkhani, Chante; Boyers, Lindsay N; Hernandez, Melia D; Pederson, Hannah; Royer, Eryn L; Dellavalle, Robert P

    2014-12-13

    Indoor tanning by adults under 35 years of age increases the risk of developing melanoma 59% to 75%. Cost is a major barrier limiting young adults from purchasing indoor tanning services. Our recent study by Boyers et al determined that 18 of 96 major universities, all in the eastern and southern United States, had university-sponsored debit cards with indoor tanning affiliations. These debit cards, which conveniently link with student identification (ID) cards, help with student living expenses and are often loaded with money by parents. By creating agreements with indoor tanning salon vendors, universities are endorsing a World Health Organization class I carcinogen. To expand the results of our previous study, we broadened our search to further assess universities in the western United States as well as Australia, New Zealand, Ireland, Canada, and the United Kingdom. Using www.collegeboard.edu, we identified the 4 largest residential colleges in Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. Additionally, we investigated the top international universities, utilizing www.topuniversities.com. Internet searches, phone calls, and email correspondence were used to determine if an institution had a student ID-linked debit card. Universities with affiliations to bank debit cards and cards that could only be used on campus were excluded. In the western United States, indoor tanning merchants were affiliated with University of Arizona, Embry-Riddle Aeronautical University: Prescott Campus, and the University of Denver student debit cards. Of the original 18 schools with affiliations according to the Boyers et al study, 2 universities no longer have agreements and 5 created agreements with additional tanning salons. Of 45 universities examined in our international search, no debit cards were discovered for off-campus purchases. Therefore, the concerning issue of university associations with tanning salons appears

  16. The Virtual University: A Smart Card Approach to Education?

    Recker, Mimi

    1998-01-01

    Argues that the emergence of digital marketplaces for learning has broad implications for the standardization and commercialization of education. Defines the concept of the virtual university and discusses how traditional institutions could be reconceived by adopting an alternative model. (PEN)

  17. Research on the SIM card implementing functions of transport card

    Li, Yi; Wang, Lin

    2015-12-01

    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.

  18. When and why do university managers use publication incentive payments?

    Opstrup, Niels

    2017-01-01

    in Denmark that use publication incentive payments. Most often it is used when heads of department outside the humanities think it is a good idea to reward scholars financially for publications. In-depth analysis of the cases reveals, however, that department heads cannot only be divided between ‘believers......’ and ‘non-believers’. Almost half expressed confidence in that publication incentive payments motivate researchers to perform better, not because of the monetary reward, but because of the positive feedback signalled by the pay supplement...

  19. Payment Instrument Characteristics

    Holst, Jacques; Kjeldsen, Martin; Hedman, Jonas

    2015-01-01

    Over the last decade, we have witnessed payment innovations that fundamentally have changed the ways we pay. Payment innovations, such as mobile payments and on-line banking, include characteristics or features that are essential to understand if we want to know how and why payers choose among...... payment innovations. Using the Repertory Grid technique to explore 15 payers’ perception of six payment instruments, including coins, banknotes, debit cards, credit cards, mobile payments, and on-line banking, we identify 16 payment characteristics. The characteristics aggregate seventy-six unique...

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

    Zhu Wang

    2008-01-01

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

  1. Payment Platform

    Hjelholt, Morten; Damsgaard, Jan

    2012-01-01

    thoroughly and substitute current payment standards in the decades to come. This paper portrays how digital payment platforms evolve in socio-technical niches and how various technological platforms aim for institutional attention in their attempt to challenge earlier platforms and standards. The paper...... applies a co-evolutionary multilevel perspective to model the interplay and processes between technology and society wherein digital payment platforms potentially will substitute other payment platforms just like the credit card negated the check. On this basis this paper formulate a multilevel conceptual...

  2. Does Environmental Sustainability Play a Role in the Adoption of Smart Card Technology at Universities in Taiwan: An Integration of TAM and TRA

    Ching-Wei Ho

    2015-08-01

    Full Text Available Smart cards are able to store and protect relatively large amounts of data. When applied in universities, they can act as multi-purpose, multi-function and smart ID cards. This would avoid the waste of resources and maintain environmental sustainability. This study proposes a model that integrates Technology Acceptance Model and Theory of Reasoned Action into a framework incorporating the notion of environmental concern in order to explore the factors that affect students’ behavioral intention to use University Smart Cards. This study employs a quantitative method for primary data collection via a structured questionnaire for university students. The findings indicated that the perceived usefulness and subjective norm of university smart card systems have the most significant predictive power on potential users’ attitudes and intentions of adopting the card.

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

    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…

  4. Development of the system for checking attendance of the lecture at the university using the card reader

    田中,武; 大村,道郎; 楠,茂之; 安井,良親; 山田,明宏

    2003-01-01

    Development of the system for checking attendance of the lecture at the university using the card reader was demonstrated. The rate of checking attendance of the lecture was about 4 to 12 students per minute. The break time of lecture at the Hiroshima Institute of Technology was 10 minute. Therefore, it is possible to check about 40 students' attendance of the lecture for the break time. Also, the probability that check exactly attendance was about 50%. The real time system for checking atten...

  5. British and American attitudes toward credit cards.

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

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

  6. Security of Electronic Payment Systems: A Comprehensive Survey

    Solat , Siamak

    2017-01-01

    This comprehensive survey deliberated over the security of electronic payment systems. In our research, we focused on either dominant systems or new attempts and innovations to improve the level of security of the electronic payment systems. This survey consists of the Card-present (CP) transactions and a review of its dominant system i.e. EMV including several researches at Cambridge university to designate variant types of attacks against this standard which demonstrates lack of a secure "o...

  7. Paying for Payments

    Korsgaard, Søren

    depends only on the relative costs of producing cash and card payments and can be used by regulators to assess privately set interchange fees. When calibrated to cost data, the model implies an optimal fee that is low and may even be negative. The findings are consistent with empirical evidence of high......Do consumers and merchants use the most efficient payment instruments? I examine how interchange fees, which are fees paid from merchants' banks to consumers' banks when card transactions take place, influence the choice between cash and payment cards. I show that when consumers do not pay...... transaction fees to banks - a common feature in bank contracts - card use is declining in interchange fees, and surcharging does not neutralize interchange fees. According to my model, banks set interchange fees at too high a level, resulting in too few card payments. I derive an optimal interchange fee which...

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

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

    2014-01-01

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

  9. An overview of smart card technology and markets

    Mark Furletti

    2002-01-01

    As part of the Payment Cards Center's series of discussion papers, this paper provides an overview of smart card technology and its potential for significantly increasing payment card functionality. In addition to reviewing the current market for smart cards in the U.S., this paper examines the costs and barriers associated with their wide spread adoption. European and US smart card acceptance is compared. In addition, this paper provides background on the technological and infrastructure dev...

  10. Prepaid cards: vulnerable to money laundering?

    Stanley J. Sienkiewicz

    2007-01-01

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

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

    James, Thomas G.; Norwood, Bill R.

    1991-01-01

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

  12. Taxonomy of Payments

    Hedman, Jonas; Tan, Felix B.; Holst, Jacques

    2017-01-01

    that impact payers’ choice of payment instruments. Design/methodology/approach: Through in-depth interviews using the repertory grid technique, the authors explored 15 payers’ perceptions of six payment instruments, including coins, banknotes, debit cards, credit cards, mobile payments, and online banking....... The approach draws heavily on organizational systematics to better understand payers’ choice of payment instruments. Findings: A four-category taxonomy of payments was developed. The authors refer to the taxonomy as the 4Ps: the purchase, the payer, the payment instrument, and the physical technology...... or checks. Research limitations/implications: The findings suggest that payers view payment instruments in a much broader sense, including context, control, or cultural beliefs. Consequently, the authors suggest that researchers try to understand the essence of an innovation before assuming any economic...

  13. The Future of the Mobile Payment as Electronic Payment System

    Bezovski, Zlatko

    2016-01-01

    The development of the Internet and the arrival of e-commerce fostered digitalization in the payment processes by providing a variety of electronic payment options including payment cards (credit and debit), digital and mobile wallets, electronic cash, contactless payment methods etc. Mobile payment services with their increasing popularity are presently under the phase of transition, heading towards a promising future of tentative possibilities along with the innovation in technology. In thi...

  14. Paying for payments: free payments and optimal interchange fees

    Korsgaard, Søren

    2014-01-01

    Do consumers and merchants use the most efficient payment instruments? I examine how inter- change fees, which are fees paid from merchants' banks to consumers' banks when card transactions take place, influence the choice between cash and payment cards. I show that when consumers do not pay transaction fees to banks - a common feature in bank contracts - card use is declining in interchange fees, and surcharging does not neutralize interchange fees. According to my model, banks set interchan...

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

    Mark Furletti

    2004-01-01

    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...

  16. Retail payments and economic growth

    Hasan, Iftekhar; De Renzis, Tania; Schmiedel , Heiko

    2012-01-01

    This paper examines the fundamental relationship between retail payments and overall economic growth. Using data from across 27 European markets over the period 1995–2009, the results confirm that migration to efficient electronic retail payments stimulates overall economic growth, consumption and trade. Among different payment instruments, this relationship is strongest for card payments, followed by credit transfers and direct debits. Cheque payments are found to have a relatively low macro...

  17. [Application of patient card technology to health care].

    Sayag, E; Danon, Y L

    1995-03-15

    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.

  18. Automated patient and medication payment method for clinical trials

    Yawn BP

    2013-01-01

    Full Text Available Barbara P Yawn,1 Suzanne Madison,1 Susan Bertram,1 Wilson D Pace,2 Anne Fuhlbrigge,3 Elliot Israel,3 Dawn Littlefield,1 Margary Kurland,1 Michael E Wechsler41Olmsted Medical Center, Department of Research, Rochester, MN, 2UCDHSC, Department of Family Medicine, University of Colorado Health Science Centre, Aurora, CO, 3Brigham and Women's Hospital, Pulmonary and Critical Care Division, Boston, MA, 4National Jewish Medical Center, Division of Pulmonology, Denver, CO, USABackground: Published reports and studies related to patient compensation for clinical trials focus primarily on the ethical issues related to appropriate amounts to reimburse for patient's time and risk burden. Little has been published regarding the method of payment for patient participation. As clinical trials move into widely dispersed community practices and more complex designs, the method of payment also becomes more complex. Here we review the decision process and payment method selected for a primary care-based randomized clinical trial of asthma management in Black Americans.Methods: The method selected is a credit card system designed specifically for clinical trials that allows both fixed and variable real-time payments. We operationalized the study design by providing each patient with two cards, one for reimbursement for study visits and one for payment of medication costs directly to the pharmacies.Results: Of the 1015 patients enrolled, only two refused use of the ClinCard, requesting cash payments for visits and only rarely a weekend or fill-in pharmacist refused to use the card system for payment directly to the pharmacy. Overall, the system has been well accepted by patients and local study teams. The ClinCard administrative system facilitates the fiscal accounting and medication adherence record-keeping by the central teams. Monthly fees are modest, and all 12 study institutional review boards approved use of the system without concern for patient

  19. A House of Cards.

    Kennedy, Mike

    2000-01-01

    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)

  20. [WTP guidance technology: a comparison of payment card, single-bounded and double-bounded dichotomous formats for evaluating non-use values of Sanjiang Plain ecotourism water resources].

    Chen, Hong-Guang; Wang, Qiu-Dan; Li, Chen-Yang

    2014-09-01

    Contingent valuation method (CVM) is the most widespread method to assess resources and value of environmental goods and services. The guidance technology of willingness to pay (WTP) is an important means of CVM. Therefore, the study on the WTP guidance technology is an important approach to improve the reliability and validity of CVM. This article conducted comprehensive evaluation on non-use value of eco-tourism water resources in Sanjiang Plain by using payment card, single-bound dichotomous choice and double-bound dichotomous choice. Results showed that the socio-economic attributes were consistent with the willingness to pay in the three formats, and the tender value, age, educational level, annual income and the concern level had significant effect on the willingness to pay, while gender and job did not have significant influence. The WTP value was 112.46 yuan per capita with the payment card, 136.15 with the single-bound dichotomous choice, and 168.74 with the double-bound dichotomous choice. Comprehensive consideration of the nature of the investigation, investigation costs and statistical techniques, the result of double-bound dichotomous choice (47.86 x 10(8) yuan · a(-1)) was best in accordance with the reality, and could be used as non-use value of eco-tourism water resources in Sanjiang Plain. The format of questionnaire was very important to improve its validity, and made a great influence on the WTP.

  1. Increasing Active Student Responding in a University Applied Behavior Analysis Course: The Effect of Daily Assessment and Response Cards on End of Week Quiz Scores

    Malanga, Paul R.; Sweeney, William J.

    2008-01-01

    The study compared the effects of daily assessment and response cards on average weekly quiz scores in an introduction to applied behavior analysis course. An alternating treatments design (Kazdin 1982, "Single-case research designs." New York: Oxford University Press; Cooper et al. 2007, "Applied behavior analysis." Upper Saddle River:…

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

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

    1998-01-01

    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 ...

  3. Card - Electronic Money. Comparative Study

    Mariana Rodica TIRLEA

    2012-11-01

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

  4. Universally composable zero-knowledge arguments and commitments from signature cards

    D. Hofheinz (Dennis); J. Müller-Quade; D. Unruh

    2007-01-01

    htmlabstractIn the Universal Composability framework many cryptographic tasks cannot be built from scratch. Additional \\helping" functionalities are needed to realise zero-knowledge or bit commitment. However, all the additional functionalities presented in the literature so far have to be

  5. Use of Payment Technology

    Xiao, Xiao; Hedman, Jonas; Runnemark, Emma

    2015-01-01

    Drawing on the theory of consumption value, this research-in-progress strives to provide a theoretical explanation of payment technology use by investigating the relationship between consumers’ perceptions of different consumption values associated with a certain payment technology and their choice...... to use the technology. We conducted the study in the context of Denmark, a Northern European country, with three well established payment technologies: cash, payment cards, and Internet banking. Following a focus group of identifying and defining four types of consumption values associated with each...... payment technology, a survey was then conducted by a national statistics agency in the country. Preliminary results have shown that different consumption values matter for the use of different payment technologies. The findings will potentially contribute to a better understanding of consumer payment...

  6. Model Checking a Client-Side Micro Payment Protocol

    Chaudhary, Kaylash; Fehnker, Ansgar

    2016-01-01

    Virtual payment systems overcome the drawbacks such as processing and operational cost of the traditional payment system. The main aim of the virtual payment system is to provide efficient services in terms of cost. Online payment using credit card is one of the most expensive of all payment means.

  7. Overcoming credit card fraud in South Africa

    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.

  8. Why do card issuers charge proportional fees?

    Oz Shy; Zhu Wang

    2008-01-01

    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 ...

  9. 76 FR 43393 - Debit Card Interchange Fees and Routing

    2011-07-20

    ... 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...

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

    Bergman, Mats; Guibourg, Gabriela; Segendorf, Björn

    2007-01-01

    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...

  11. Retail payments and the real economy

    Hasan, Iftekhar; De Renzis, Tania; Schmiedel, Heiko

    2013-01-01

    This paper examines the fundamental relationship between retail payments and the real economy. Using data from across 27 European markets over the period 1995-2009, the results confirm that migration to efficient electronic retail payments stimulates the overall economy, consumption and trade. Among different payment instruments, this relationship is strongest for card payments, followed by credit transfers. Cheque payments are found to have a relatively low macroeconomic impact. Retail payme...

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

    Wiens, Janet

    2001-01-01

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

  13. Smart Cards and remote entrusting

    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.

  14. Playing the Smart Card.

    Zuzack, Christine A.

    1997-01-01

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

  15. An Anonymous Credit Card System

    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.

  16. Wallet Card

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

  17. Smart Card

    Floarea NASTASE

    2006-01-01

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

  18. 49 CFR 107.616 - Payment procedures.

    2010-10-01

    ... Department's e-Commerce Internet site. Access to this service is provided at http://hazmat.dot.gov/regs... Registration Fee,” or by completing an authorization for payment by credit card or other electronic means of...

  19. 10 CFR 15.35 - Payments.

    2010-01-01

    ..., credit card, or money order and should be payable to the United States Nuclear Regulatory Commission, License Fee and Accounts Receivable Branch, P.O. Box 954514, St. Louis, MO. 63195-4514, unless payment is...

  20. THE CARD - CURRENCY WITH AND WITHOUT CASH

    Nicoara Mihaela

    2012-12-01

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

  1. Kuveyt Türk payment systems technology roadmap

    Turan, Ayşe

    2014-01-01

    ACKNOWLEDGEMENTS, iii -- ABSTRACT, iv -- ÖZET, v -- LIST OF FIGURES, x -- LIST OF TABLES, xi -- LIST OF ABBREVIATIONS, xii -- 1. INTRODUCTION, 1 -- 1.1 Participants in a Payment System, 2 -- 1.2 Types of Payment Systems, 2 -- 1.2.1 Large-value Payment Systems (LVPS), 2 -- 1.2.2 Retail Payments, 3 -- 1.2.3 Retail Payment Instruments, 3 -- 1.2.3.1.1 Cash payments, 3 -- 1.2.3.1.2 Non-cash payments, 4 -- 1.2.3.1.2.1 Payment Cards, 4 -- 1.2.3.1.2.1.1 Credit Cards, 5 -- 1.2.3.1.2.1.2 Prepaid Cards,...

  2. Consumer Credit Card Use Intention and Influence Factors Analysis

    Wang Yantao

    2017-01-01

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

  3. A smart card based student card system

    2009-01-01

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

  4. The impacts of DRG-based payments on health care provider behaviors under a universal coverage system: a population-based study.

    Cheng, Shou-Hsia; Chen, Chi-Chen; Tsai, Shu-Ling

    2012-10-01

    To examine the impacts of diagnosis-related group (DRG) payments on health care provider's behavior under a universal coverage system in Taiwan. This study employed a population-based natural experiment study design. Patients who underwent coronary artery bypass graft surgery or percutaneous transluminal coronary angioplasty, which were incorporated in the Taiwan version of DRG payments in 2010, were defined as the intervention group. The comparison group consisted of patients who underwent cardiovascular procedures which were paid for by fee-for-services schemes and were selected by propensity score matching from patients treated by the same group of surgeons. The generalized estimating equations model and difference-in-difference analysis was used in this study. The introduction of DRG payment resulted in a 10% decrease (pDRG-based payment resulted in reduced intensity of care and shortened length of stay. The findings might be valuable to other countries that are developing or reforming their payment system under a universal coverage system. Copyright © 2012 Elsevier Ireland Ltd. All rights reserved.

  5. RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

    Eka Nugraha

    2015-07-01

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

  6. Barriers to universal health coverage in Republic of Moldova: a policy analysis of formal and informal out-of-pocket payments.

    Vian, Taryn; Feeley, Frank G; Domente, Silviu; Negruta, Ala; Matei, Andrei; Habicht, Jarno

    2015-08-11

    Universal Health Coverage seeks to assure that everyone can obtain the health services they need without financial hardship. Countries which rely heavily on out-of-pocket (OOP) payments, including informal payments (IP), to finance total health expenditures are not likely to achieve universal coverage. The Republic of Moldova is committed to promoting universal coverage, reducing inequities, and expanding financial protection. To achieve these goals, the country must reduce the proportion of total health expenditures paid by households. This study documents the extent of OOP payments and IP in Moldova, analyses trends over time, and identifies factors which may be driving these payments. The study includes analysis of household budget survey data and previous research and policy documents. The team also conducted a review of administrative law intended to control OOP payments and IPs. Focus groups, interviews, and a policy dialogue with key stakeholders were held to validate and discuss findings. OOP payments account for 45% of total health expenditures. Sixteen percent of outpatients and 30% of inpatients reporting that they made OOP payments when seeking care at a health facility in 2012, more than two-thirds of whom also reported paying for medicines at a pharmacy. Among those who paid anything, 36% of outpatients and 82% of inpatients reported paying informally, with the proportion increasing over time for inpatient care. Although many patients consider these payments to be gifts, around one-third of IPs appear to be forced, posing a threat to health care access. Patients perceive that payments are driven by the limited list of reimbursable medicines, a desire to receive better treatment, and fear or extortion. Providers suggested irrational prescribing and ordering of tests as drivers. Providers may believe that IPs are gifts and do not cause harm for patients and the health system in general. Efforts to expand financial protection should focus on reducing

  7. Measuring the Level of Organizational Performance in the Yemeni Public Universities from the Perspective of the Balanced Score Card: A Field Study in the Universities of Sana'a and Aden

    بسام مسلم

    2017-12-01

    Full Text Available The research aimed at measuring the level of organizational performance according to the perspective of the Balanced Score Card (BSC. It also aimed to identify the nature of the differences in measuring the performance level in the light of the variables and type of higher management positions, faculty type, and years of service years. The researcher used the descriptive analytical methodology, where the concept of organizational performance was explained, and the related previous studies were reviewed and presented, with a focus on the strategic approach to measure the performance from the BSC perspective. To achieve the objective of the study, a questionnaire was designed, consisting of 36 indictors distributed over the four dimensions of the BSC (learning and growth, internal operations, clients, and finance. The sample included 80 participants representing academic and administrative leaders in the Universities of Sana'a and Aden. The research concluded that the organizational performance level was generally low in both universities. This was a reflection of weak performance in the BSC four dimensions. No differences occurred in the evaluation levels of those dimensions that could be attributed to these variables: type of higher management positions, faculty type, and years of service. Keywords: Balanced Score Card, Organizational performance, Public universities.

  8. Card products market in the Republic of Croatia

    Ivana Šučur

    2007-12-01

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

  9. Smart Cards and Card Operating Systems

    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

  10. Point-of-Purchase Labels and Reward Cards Improve Sales of Healthy Foods in University Dining Halls.

    Biden, Catherine R; Matthews, June I; Laframboise, Natalie A; Zok, Anne; Dworatzek, Paula D N; Seabrook, Jamie A

    2018-06-12

    To compare sales of Food Resources and Education for Student Health (FRESH) Approved versus non-FRESH Approved menu cycle items pre- and postimplementation of the FRESH program. Sales data from 2011-2015 of FRESH Approved versus non-FRESH Approved menu items were analyzed. Fruit and milk items sold, net sales, and the cost of free fruit and milk redeemed through the FRESH Reward Card (FRC) program, were also analyzed. FRESH Approved items sold more often than non-FRESH Approved items in the latter 2 years (P = 0.01). Prices of FRESH Approved menu items were significantly lower than non-FRESH Approved items for all years (e.g., $1.52 ± $0.94 vs $2.21 ± $1.02 per serving in 2014-2015; P < 0.001). Across all FRESH implementation years, FRESH Approved menu items were found more often on the 6-week menu (P < 0.05). The number of fruit items sold increased from a baseline of 143 052 to 170 954, and net sales increased from $135 450 to $154 248 after 3 years of the FRC implementation. FRESH Approved items were less expensive, available more often, and had higher sales. The FRC increased net fruit sales despite the cost of free fruit. Highlighting and reducing the cost of healthy foods are promising practices to improve campus food environments.

  11. Risk Management for Third Party Payment Networks

    van Driel, W; Hernandez Ganan, C.; Lobbezoo, M; van Eeten, M.J.G.

    2016-01-01

    The payment industry has been characterized by a small number of players that operate the schemes for the facilitation of credit and debit card payments. Over the years, various initiatives have been taken in order to increase competition and hence cost efficiency within the industry. One of the

  12. Regulating debit cards: the case of ad valorem fees

    Zhu Wang

    2010-01-01

    Debit cards have become an indispensable part of the U.S. payments system, accounting for more than a third of consumer payments at point of sale. With this development has come controversy: Card networks charge merchants fees that merchants believe are too high. And most of the fees are ad valorem that is, based on transaction value rather than fixed fees per transaction. ; Given that debit cards incur a fixed cost per transaction, why do networks charge ad valorem fees? How do ad valorem fe...

  13. Consumer susceptibility to credit card misuse and indebtedness

    Awanis, Sandra; Cui, Charles Chi

    2014-01-01

    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...

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

    Xie Jiachun; Zhao Shouzhi; Sun Zheng; Jia Baoshan

    2010-01-01

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

  15. Genesis and Evolution of Digital Payment Platforms

    Hjelholt, Morten; Damsgaard, Jan

    2012-01-01

    Payment transactions through the use of physical coins, bank notes or credit cards have for centuries been the standard formats of exchanging money. Recently online and mobile digital payment platforms has entered the stage as contenders to this position and possibly could penetrate societies...... thoroughly and substitute current payment standards in the decades to come. This paper portrays how digital payment paltforms evolve in socio-technical niches and how various technological platforms aim for institutional attention in their attempt to challenge earlier platforms and standards. The paper...... applies a co-evolutionary multilevel perspective to model the interplay and processes between technology and society wherein digital payment platforms potentially will substitute other payment platforms just like the credit card negated the check. On this basis this paper formulate a multilevel conceptual...

  16. The (emerging) needs for ADR in retail payment systems : Mediation

    Kasiyanto, Safari; Duchateau, Michiel; Lane, Lottie

    2016-01-01

    A number of empirical studies have demonstrated that rapid development of technology and innovation in payment systems (i.e. the use of cards and electronic networks, electronic money, mobile payments and the Internet) has triggered the significant increase in retail payment transactions around the

  17. Do Payment Mechanisms Change the Way Consumers Perceive Products?

    Promothesh Chatterjee; Randall L. Rose

    2012-01-01

    Do payment mechanisms change the way consumers perceive products? We argue that consumers for whom credit cards (cash) have been primed focus more on benefits (costs) when evaluating a product. In study 1, credit card (cash) primed participants made more (fewer) recall errors regarding cost attributes. In a word recognition task (study 2), participants primed with credit card (cash) identified more words related to benefits (costs) than those in the cash (credit card) condition. In study 3, p...

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

    First Lady

    2012-10-27

    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.

  19. International images: business cards.

    Gaston, S; Pucci, J

    1991-01-01

    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.

  20. Determinants of debit cards acceptance: An empirical investigation

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

    2014-01-01

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

  1. Determinants of debit cards acceptance: An empirical investigation

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

    2014-12-04

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

  2. Determinants of debit cards acceptance: An empirical investigation

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

    2014-12-01

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

  3. Establishing a Successful Smart Card Program.

    Wiens, Janet

    2001-01-01

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

  4. Security Assessment of Payment Systems under PCI DSS Incompatibilities

    Bahtiyar , Şerif; Gür , Gürkan; Altay , Levent

    2014-01-01

    Part 9: Malicious Behavior and Fraud; International audience; With the ubiquitous proliferation of electronic payment systems, data and application security has become more critical for financial operations. The Payment Card Industry Data Security Standard (PCI DSS) has been developed by the payment industry to provide a widely-applicable and definitive security compliance among all components in electronic payment infrastructure. However, the security impact of PCI DSS incompatibilities and ...

  5. The obstacles of NFC mobile payment development in Finland : security issues of NFC mobile payment

    Yang, Ning

    2016-01-01

    In the recent years, with the rapid development of science and technology in the consumer markets, payment terms are being promoted much faster than ever. It is considered that NFC Mobile payment will enjoy a great prospect. NFC Mobile payment technique, which is based on the RFID technology, has been growing popularity. Near Field Communication (NFC) is the proximity standard for the proximity cards that can be modified to allow integration of the technology into a cellular phone. NFC tec...

  6. Catastrophic healthcare expenditure and poverty related to out-of-pocket payments for healthcare in Bangladesh-an estimation of financial risk protection of universal health coverage.

    Khan, Jahangir A M; Ahmed, Sayem; Evans, Timothy G

    2017-10-01

    The Sustainable Development Goals target to achieve Universal Health Coverage (UHC), including financial risk protection (FRP) among other dimensions. There are four indicators of FRP, namely incidence of catastrophic health expenditure (CHE), mean positive catastrophic overshoot, incidence of impoverishment and increase in the depth of poverty occur for high out-of-pocket (OOP) healthcare spending. OOP spending is the major payment strategy for healthcare in most low-and-middle-income countries, such as Bangladesh. Large and unpredictable health payments can expose households to substantial financial risk and, at their most extreme, can result in poverty. The aim of this study was to estimate the impact of OOP spending on CHE and poverty, i.e. status of FRP for UHC in Bangladesh. A nationally representative Household Income and Expenditure Survey 2010 was used to determine household consumption expenditure and health-related spending in the last 30 days. Mean CHE headcount and its concentration indices (CI) were calculated. The propensity of facing CHE for households was predicted by demographic and socioeconomic characteristics. The poverty headcount was estimated using 'total household consumption expenditure' and such expenditure without OOP payments for health in comparison with the poverty-line measured by cost of basic need. In absolute values, a pro-rich distribution of OOP payment for healthcare was found in urban and rural Bangladesh. At the 10%-threshold level, in total 14.2% of households faced CHE with 1.9% overshoot. 16.5% of the poorest and 9.2% of the richest households faced CHE. An overall pro-poor distribution was found for CHE (CI = -0.064) in both urban and rural households, while the former had higher CHE incidences. The poverty headcount increased by 3.5% (5.1 million individuals) due to OOP payments. Reliance on OOP payments for healthcare in Bangladesh should be reduced for poverty alleviation in urban and rural Bangladesh in order to

  7. Credit Card Attitudes and Behaviors of College Students

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

    2005-01-01

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

  8. Credit Card Security

    G.C., Anup

    2013-01-01

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

  9. CARDS MARKET – A RESISTANT MARKET TO CRISIS

    Tudose Geanina - Gabriela

    2012-07-01

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

  10. FRENCH PROTOCOL CARDS

    Division du Personnel

    1999-01-01

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

  11. FRENCH PROTOCOL CARDS

    Human Resources Division

    2000-01-01

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

  12. 48 CFR 52.232-36 - Payment by Third Party.

    2010-10-01

    .... Documentation of each charge against the Government's account shall be provided to the Contracting Officer upon... applicable, the particular Governmentwide commercial purchase card to be used are identified elsewhere in this contract. (2) The Governmentwide commercial purchase card is not authorized as a method of payment...

  13. Payment - National

    U.S. Department of Health & Human Services — Payment measures – national data. This data set includes national-level data for the payment measures associated with an episode of care for heart attack, heart...

  14. Payment - State

    U.S. Department of Health & Human Services — Payment measures – state data. This data set includes state-level data for the payment measures associated with an episode of care for heart attack, heart failure,...

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

    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.

  16. CMS Wallet Card

    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...

  17. CERNET Interface Card

    1978-01-01

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

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

    Stewart, Neil

    2009-01-01

    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...

  19. Unraveling a Card Trick

    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.

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

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2010-04-01

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

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

    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.

  2. Electronic Payment System in Nigeria: Its Economic Benefits and Challenges

    Okifo, Joseph; Igbunu, Richard

    2015-01-01

    The crux of this study is on the adoption of E-payment system in Nigeria: Its economic benefits and challenges. The arrival of the internet has taken electronic payments and transactions to an exponential growth level. Consumers could purchase goods and services from the internet and send unencrypted credit card numbers across the network, which…

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

    Von Solms, S

    2015-08-01

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

  4. Design and implementation of Bluetooth beacon in mobile payment system

    Han, Tiantian; Ding, Lei

    2017-08-01

    The current line of payment means, mainly in the following ways, cash payment, credit card payment, WeChat Alipay sweep payment. There are many inconvenience in Cash payment, large amounts of cash inconvenience to carry, count the money to spend time and effort, true and false banknotes difficult to distinguish, ticket settlement easy to go wrong. Credit card payment is relatively time-consuming, and WeChat Alipay sweep payment need to sweep. Therefore, the design of a convenient, fast payment to meet the line to pay the demand is particularly important. Based on the characteristics of BLE Bluetooth wireless communication technology, this paper designs a kind of payment method based on Bluetooth beacon. Through the Bluetooth beacon broadcast consumption, consumers only need to open the relevant APP in the Android client, and you can get Bluetooth via mobile phone Bluetooth the amount of consumption of the standard broadcast, in accordance with the corresponding payment platform to complete the payment process, which pay less time to improve the efficiency of payment.

  5. Computer Data Punch Cards

    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.

  6. The Race to Dominate the Mobile Payments Platform

    Staykova, Kalina Stefanova; Damsgaard, Jan

    2015-01-01

    The payment market has been stable for a number of decades with well-defined roles (acquirers and issuers), profitable business models (the card schemes) and a dominant design in which the merchants absorb the costs associated with payments. However, numerous digital payment solutions, which rely...... on new disruptive technologies, are emerging on the payment market, transforming the payment area from being established into a state of flux. In this article, we investigate the various factors that determine the success of a given solution. To this end, we build a framework to analyze the entry...

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

    ERKAN OKTAY

    2013-06-01

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

  8. Laminated dosimetric card

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

    1975-01-01

    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)

  9. Value Added Services and Adoption of Mobile Payments

    Augsburg, Christel; Hedman, Jonas

    2014-01-01

    In this paper, we investigate the role of Value Added Services (VAS) in consumers’ adoption of mobile payments. VAS are supplementary digital services offered in connection with mobile payments; in this study exemplified by receipts, loyalty cards, and coupons. A research model is derived from...... that intention to adopt mobile payments increases as VAS are introduced and that this increase comes from a positive change in Perceived Usefulness, compatibility, and Convenience....

  10. Mobile Payments : Comparison of Mobile Wallet Concepts

    Narayan, Srikant

    2013-01-01

    Mobile payments are an emerging trend and an alternative to traditional payment methods. Mobile payments involve the usage of the mobile phone to handle credit transfers during purchase of goods and peer to peer money transfers referred to as mobile wallet service, instead of depending on bank cards and cash. In this scenario, while the mobile wallet industry still being in its infancy there exist a few drivers of mobile wallet solutions aiming to create a de-facto standard in the mobile mark...

  11. Real Electronic Commerce: Smart Cards on the Superhighway.

    Birch, David

    1997-01-01

    Technologies of payment rather than technologies of connection are the real trigger for the expansion of electronic commerce on the Internet. This article discusses "smart cards," highlighting Mondex, the electronic purse developed in the United Kingdom. Predicts that cash will be replaced by "e-cash," which is cheaper to make,…

  12. Do Consumers Pay More Using Debit Cards than Cash

    Runnemark, Emma; Hedman, Jonas; Xiao, Xiao

    2015-01-01

    We conduct an incentivized experiment to study the effect of the payment method on spending. We find that the willingness to pay is higher when subjects pay with debit cards compared to cash. The result is robust to controlling for cash-on-hand constraints, spending type, price familiarity...

  13. Payments and Central Bank Policy

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  14. Identifying Effectiveness Criteria for Internet Payment Systems.

    Shon, Tae-Hwan; Swatman, Paula M. C.

    1998-01-01

    Examines Internet payment systems (IPS): third-party, card, secure Web server, electronic token, financial electronic data interchange (EDI), and micropayment based. Reports the results of a Delphi survey of experts identifying and classifying IPS effectiveness criteria and classifying types of IPS providers. Includes the survey invitation letter…

  15. Security Enhanced EMV-Based Mobile Payment Protocol

    Ming-Hour Yang

    2014-01-01

    Full Text Available Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant’s reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. The protocol is able to resist impersonation attacks and to avoid the security threats in EMV. In offline transactions, our scheme requires a user to apply for a temporary offline certificate in advance. With the certificate, banks no longer need to lower customer’s credits for risk control, and users can have online-equivalent credits in offline transactions.

  16. A Secure Operational Model for Mobile Payments

    Tao-Ku Chang

    2014-01-01

    Full Text Available Instead of paying by cash, check, or credit cards, customers can now also use their mobile devices to pay for a wide range of services and both digital and physical goods. However, customers’ security concerns are a major barrier to the broad adoption and use of mobile payments. In this paper we present the design of a secure operational model for mobile payments in which access control is based on a service-oriented architecture. A customer uses his/her mobile device to get authorization from a remote server and generate a two-dimensional barcode as the payment certificate. This payment certificate has a time limit and can be used once only. The system also provides the ability to remotely lock and disable the mobile payment service.

  17. One ID Card for the Entire Campus.

    Ridenour, David P.; Ferguson, Linda M.

    1986-01-01

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

  18. CERN access cards

    HR Department

    2007-01-01

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

  19. Markets: Gift Cards

    Jennifer Pate Offenberg

    2007-01-01

    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...

  20. Universal financial protection through National Health Insurance: a stakeholder analysis of the proposed one-time premium payment policy in Ghana.

    Abiiro, Gilbert Abotisem; McIntyre, Di

    2013-05-01

    Extending coverage to the informal sector is a key challenge to achieving universal coverage through contributory health insurance schemes. Ghana introduced a mandatory National Health Insurance system in 2004 to provide financial protection for both the formal and informal sectors through a combination of taxes and annual premium payments. As part of its election promise in 2008, the current government (then in opposition) promised to make the payment of premiums 'one-time'. This has been a very controversial policy issue in Ghana. This study sought to contribute to assessing the feasibility of the proposed policy by exploring the understandings of various stakeholders on the policy, their interests or concerns, potential positions, power and influences on it, as well as the general prospects and challenges for its implementation. Data were gathered from a review of relevant documents in the public domain, 28 key informant interviews and six focus group discussions with key stakeholders in Accra and two other districts. The results show that there is a lot of confusion in stakeholders' understanding of the policy issue, and, because of the uncertainties surrounding it, most powerful stakeholders are yet to take clear positions on it. However, stakeholders raised concerns that revolved around issues such as: the meaning of a one-time premium within an insurance scheme context, the affordability of the one-time premium, financing sources and sustainability of the policy, as well as the likely impact of the policy on equity in access to health care. Policy-makers need to clearly explain the meaning of the one-time premium policy and how it will be funded, and critically consider the concerns raised by stakeholders before proceeding with further attempts to implement it. For other countries planning universal coverage reforms, it is important that the terminology of their reforms clearly reflects policy objectives.

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

    Wang, Yu-Min

    2008-12-01

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

  2. The Future of Smart Cards.

    Fickes, Michael

    2000-01-01

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

  3. ATM Card Cloning and Ethical Considerations.

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

    2018-05-01

    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. An acuity cards cookbook.

    Vital-Durand, F

    1996-01-01

    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.

  5. Method card design dimensions

    Wölfel, Christiane; Merritt, T.

    2013-01-01

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

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

    Sam Allgood

    2013-07-01

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

  7. REPLACEMENT OF FRENCH CARDS

    Human Resources Division

    2001-01-01

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

  8. Principles for Instructional Stack Development in HyperCard.

    McEneaney, John E.

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

  9. The Impact of the Electronic Payment System on the Development of Nowadays Society: an Economic and a Managerial Perspective

    Cristina Raluca Popescu

    2015-12-01

    Full Text Available The paper “The Impact of the Electronic Payment System on the Development of Nowadays Society: an Economic and a Managerial Perspective” presents the aspects concerning the impact of the electronic payment system on the development of nowadays society as an economic and a managerial perspective. Our research focuses on issues related to the payments sector, the Smartcard, the Electronic Banking,payment systems based on bank cards, the Cyber cash, and the electronic payment systems (1 Net Cash and (2 E-Cash, Micro-payment systems with (1 Millicent and (2 Cyber Coin, as well as the electronic check payments.

  10. Applicability of DUKPT Key Management Scheme to Cloud Wallet and other Mobile Payments

    Saha, Amal; Sanyal, Sugata

    2014-01-01

    After discussing the concept of DUKPT based symmetric encryption key management (e.g., for 3DES) and definition of cloud or remote wallet, the paper analyses applicability of DUKPT to different use cases like mobile banking, NFC payment using EMV contactless card and mobile based EMV card emulation, web browser based transaction and cloud or remote wallet. Cloud wallet is an emerging payment method and is gaining momentum very fast. Anticipating that the wallet product managers and security s...

  11. Credit Card Quiz.

    Marks, Jeff

    2000-01-01

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

  12. Dynamic Virtual Credit Card Numbers

    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.

  13. Imaging standards for smart cards

    Ellson, Richard N.; Ray, Lawrence A.

    1996-02-01

    "Smart cards" are plastic cards the size of credit cards which contain integrated circuits for the storage of digital information. The applications of these cards for image storage has been growing as card data capacities have moved from tens of bytes to thousands of bytes. This has prompted the recommendation of standards by the X3B10 committee of ANSI for inclusion in ISO standards for card image storage of a variety of image data types including digitized signatures and color portrait images. This paper 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. Financial Technologies: A Note on Mobile Payment

    Song Yee Leng

    2018-02-01

    Full Text Available The financial market is currently disrupted by the rise of new technologies "FinTech” a short form for financial technology, which profoundly reshapes the financial intermediary structure and makes financial services more efficient. Mobile technology with Internet-enabled devices are the next logical phase of the World Wide Web campaign such as mobile phone taking over the mass market and will fundamentally change the way products are buy and sell as well as financial services especially the mobile payment system. This research examines changes payment method in financial services, particularly those involving mobile payments that can create new channels for consumers to purchase goods and services using mobile phone. Mobile payment application is ready to replace traditional cash, checks, credit and debit card throughout the country. In this stage of development, the current situation of mobile payment market, review the previous literature on mobile payment services, analysis use of mobile payment worldwide and various initiatives use mobile phones to offer financial services for those ‘unbanked’.

  15. Financial Technologies: A Note on Mobile Payment

    Song Yee Leng

    2018-02-01

    Full Text Available The financial market is currently disrupted by the rise of new technologies “FinTech” a short form of financial technology, which profoundly reshapes the financial intermediary structure and makes financial services more efficient. Mobile technology with Internet-enabled devices are the next logical phase of the World Wide Web a campaign such as mobile phone taking over the mass market and will fundamentally change the way products are bought and sold as well as financial services especially the mobile payment system. This research examines changes payment method in financial services, particularly those involving mobile payments that can create new channels for consumers to purchase goods and services using a mobile phone. Mobile payment application is ready to replace traditional cash, checks, credit and debit card throughout the country. In this stage of development, the current situation of mobile payment market, review the previous literature on mobile payment services, analysis use of mobile payment worldwide and various initiatives use mobile phones to offer financial services for those ‘unbanked’.

  16. Authoring of digital games via card games

    Valente, Andrea; Marchetti, Emanuela

    2014-01-01

    Literature and previous studies show that creative play is easy to emerge when children interact with tangible, low-tech toys and games than with digital games. This paradoxical situation is linked to the long-standing problem of end-users (or players) authoring of digital contents and systems. We...... are to show how card games can represent digital games, how playful play can emerge in card games and digital games, and to begin defining a new way to express game behavior without the use of universal programming languages....... 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...

  17. Hacking point of sale payment application secrets, threats, and solutions

    Gomzin, Slava

    2014-01-01

    Must-have guide for professionals responsible for securing credit and debit card transactions As recent breaches like Target and Neiman Marcus show, payment card information is involved in more security breaches than any other data type. In too many places, sensitive card data is simply not protected adequately. Hacking Point of Sale is a compelling book that tackles this enormous problem head-on. Exploring all aspects of the problem in detail - from how attacks are structured to the structure of magnetic strips to point-to-point encryption, and more - it's packed with practical recommendati

  18. A model for use-centered design of payment instruments applied to banknotes : Upid-model

    de Heij, Hans

    2017-01-01

    People use banknotes to pay retailers for person-to-person payments and for travelling. However, in the Netherlands the number of cash payments is declining. People rather use debit cards, as they provide them better services. Modern banknotes face a usage threat, instead of a new counterfeit

  19. 76 FR 39385 - Payment Policy Change for Access to NOAA Environmental Data, Information, and Related Products...

    2011-07-06

    ... DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration Payment Policy Change for... (NOAA), Department of Commerce. ACTION: Notice of Policy Change. SUMMARY: NOAA's National Data Centers... accepted forms of payment are Visa, MasterCard, American Express, Discover, wire transfers and Automated...

  20. Disruption - Access cards service

    2014-01-01

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

  1. QuickCash: Secure Transfer Payment Systems

    Abdulrahman Alhothaily

    2017-06-01

    Full Text Available Payment systems play a significant role in our daily lives. They are an important driver of economic activities and a vital part of the banking infrastructure of any country. Several current payment systems focus on security and reliability but pay less attention to users’ needs and behaviors. For example, people may share their bankcards with friends or relatives to withdraw money for various reasons. This behavior can lead to a variety of privacy and security issues since the cardholder has to share a bankcard and other sensitive information such as a personal identification number (PIN. In addition, it is commonplace that cardholders may lose their cards, and may not be able to access their accounts due to various reasons. Furthermore, transferring money to an individual who has lost their bankcard and identification information is not a straightforward task. A user-friendly person-to-person payment system is urgently needed to perform secure and reliable transactions that benefit from current technological advancements. In this paper, we propose two secure fund transfer methods termed QuickCash Online and QuickCash Offline to transfer money from peer to peer using the existing banking infrastructure. Our methods provide a convenient way to transfer money quickly, and they do not require using bank cards or any identification card. Unlike other person-to-person payment systems, the proposed methods do not require the receiving entity to have a bank account, or to perform any registration procedure. We implement our QuickCash payment systems and analyze their security strengths and properties.

  2. QuickCash: Secure Transfer Payment Systems

    Alhothaily, Abdulrahman; Alrawais, Arwa; Song, Tianyi; Lin, Bin; Cheng, Xiuzhen

    2017-01-01

    Payment systems play a significant role in our daily lives. They are an important driver of economic activities and a vital part of the banking infrastructure of any country. Several current payment systems focus on security and reliability but pay less attention to users’ needs and behaviors. For example, people may share their bankcards with friends or relatives to withdraw money for various reasons. This behavior can lead to a variety of privacy and security issues since the cardholder has to share a bankcard and other sensitive information such as a personal identification number (PIN). In addition, it is commonplace that cardholders may lose their cards, and may not be able to access their accounts due to various reasons. Furthermore, transferring money to an individual who has lost their bankcard and identification information is not a straightforward task. A user-friendly person-to-person payment system is urgently needed to perform secure and reliable transactions that benefit from current technological advancements. In this paper, we propose two secure fund transfer methods termed QuickCash Online and QuickCash Offline to transfer money from peer to peer using the existing banking infrastructure. Our methods provide a convenient way to transfer money quickly, and they do not require using bank cards or any identification card. Unlike other person-to-person payment systems, the proposed methods do not require the receiving entity to have a bank account, or to perform any registration procedure. We implement our QuickCash payment systems and analyze their security strengths and properties. PMID:28608846

  3. QuickCash: Secure Transfer Payment Systems.

    Alhothaily, Abdulrahman; Alrawais, Arwa; Song, Tianyi; Lin, Bin; Cheng, Xiuzhen

    2017-06-13

    Payment systems play a significant role in our daily lives. They are an important driver of economic activities and a vital part of the banking infrastructure of any country. Several current payment systems focus on security and reliability but pay less attention to users' needs and behaviors. For example, people may share their bankcards with friends or relatives to withdraw money for various reasons. This behavior can lead to a variety of privacy and security issues since the cardholder has to share a bankcard and other sensitive information such as a personal identification number (PIN). In addition, it is commonplace that cardholders may lose their cards, and may not be able to access their accounts due to various reasons. Furthermore, transferring money to an individual who has lost their bankcard and identification information is not a straightforward task. A user-friendly person-to-person payment system is urgently needed to perform secure and reliable transactions that benefit from current technological advancements. In this paper, we propose two secure fund transfer methods termed QuickCash Online and QuickCash Offline to transfer money from peer to peer using the existing banking infrastructure. Our methods provide a convenient way to transfer money quickly, and they do not require using bank cards or any identification card. Unlike other person-to-person payment systems, the proposed methods do not require the receiving entity to have a bank account, or to perform any registration procedure. We implement our QuickCash payment systems and analyze their security strengths and properties.

  4. War of the Credit Cards.

    Nicklin, Julie L.

    1993-01-01

    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)

  5. NCDC Punched Card Reference Manuals

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

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

    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).

  7. Smart Icon Cards

    Dunbar, Laura

    2015-01-01

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

  8. Follow Up: Credit Card Caution

    Cahill, Timothy P.

    2007-01-01

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

  9. Store Security. Credit Card Fraud.

    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…

  10. Towards Payment Systems for all: accessible POS

    Begoña Pino

    2014-10-01

    Full Text Available The project presented here is a first step towards building a more accessible world through Payment Systems and a successful implementation of a User Centred Design. By means of a beep-system, a Point of Sale (POS payment device informs the user of those transaction steps that require his/her attention at the moment of payment, such as when: the card has been successfully read, the Personal Identification Number (PIN must be entered, the transaction has been successfully processed and the transaction has not been completed due to an error. The proposed solution increases the personal autonomy and security of blind people when paying at a merchant.

  11. 14 CFR 187.15 - Payment of fees.

    2010-01-01

    ... REGULATIONS FEES § 187.15 Payment of fees. (a) The fees of this part are payable to the Federal Aviation Administration by check, money order, wire transfers, draft, payable in U.S. currency and drawn on a U.S. bank, or by credit card payable in U.S. currency, prior to the provision of any service under this part. (b...

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

    Wesley Mendes-da-Silva

    2012-07-01

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

  13. Port Card Module

    Utes, M.

    1994-01-01

    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

  14. Japanese Tarot Cards

    Laura Miller

    2017-04-01

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

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

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

    2001-01-01

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

  16. Japanese Tarot Cards

    Laura Miller

    2017-01-01

    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...

  17. Costs, advantages and drawbacks of the various means of payment

    National Bank of Belgium

    2006-01-01

    The total macroeconomic costs of the payment instruments used in the points of sale can be estimated to be 2.034 million euros, or 0.74 p.c. of Belgian GDP in 2003. The payment costs arising from cash were 0.58 p.c. of GDP, compared to 0.11 p.c. for debit cards, 0.04 p.c. for credit cards and 0.02 p.c. for the electronic purse Proton. About 50.5 p.c. of the payment costs originate in points of sale, whilst 47.1 p.c. come from the financial sector and 2.3 p.c. from currency-issuing institution...

  18. ADVANCE PAYMENTS

    Human Resources Division

    2002-01-01

    Administrative Circular Nº 8 makes provision for the granting of advance payments, repayable in several monthly instalments, by the Organization to the members of its personnel. Members of the personnel are reminded that these advances are only authorized in exceptional circumstances and at the discretion of the Director-General. In view of the current financial situation of the Organization, and in particular the loans it will have to incur, the Directorate has decided to restrict the granting of such advances to exceptional or unforeseen circumstances entailing heavy expenditure and more specifically those pertaining to social issues. Human Resources Division Tel. 73962

  19. Advance payments

    Human Resources Division

    2003-01-01

    Administrative Circular N 8 makes provision for the granting of advance payments, repayable in several monthly instalments, by the Organization to the members of its personnel. Members of the personnel are reminded that these advances are only authorized in exceptional circumstances and at the discretion of the Director-General. In view of the current financial situation of the Organization, and in particular the loans it will have to incur, the Directorate has decided to restrict the granting of such advances to exceptional or unforeseen circumstances entailing heavy expenditure and more specifically those pertaining to social issues. Human Resources Division Tel. 73962

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

    St. Pierre, Eileen; Shreffler, Karina

    2013-01-01

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

  1. Universal or Commodified Healthcare? Linking Out-of-Pocket Payments to Income-Related Inequalities in Unmet Health Needs in Europe

    Kaminska, Monika Ewa; Wulfgramm, Melike

    2018-01-01

    This study investigates the outcomes out-of-pocket payments (OOPP) produce in terms of income-related disparities in unmet health needs (UHN) due to inability to pay and highlights the commodifying effect of OOPP in European healthcare systems. It merges micro data from the European Union...

  2. RANCANG BANGUN APLIKASI SMART CARD INTERFACE

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

    2012-01-01

    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 ...

  3. [Effects of self-adapting G-DRG system 2004 to 2006 on in-patient services payment in pediatric hematology and oncology patients of a university hospital].

    Christaras, A; Schaper, J; Strelow, H; Laws, H-J; Göbel, U

    2006-01-01

    Reimbursement of inpatient treatment by daily constant charges is replaced by diagnosis- and procedure-related group system (G-DRG) in German acute care hospitals excerpt for psychiatry since 2004. Re-designs of G-DRG system were undertaken in 2005 and 2006. Parallel to implementation requirement- and resource-based self-adjustment of this new reimbursement system has been established by law. Adjustments performed in 2005 and 2006 are examined with respect to their effect on reimbursements in treatments of children with oncological, hematological, and immunological diseases. An unchanged population of 349 patients associated with 1,731 inpatient stays of a Clinic of Pediatric Oncology, Hematology, and Immunology in 2004 was analyzed by methods and means of G-DRG systems 2004, 2005, and 2006. DRGs and additional payments for drugs and procedures eligible for all and/or individual hospitals were calculated. G-DRG system 2005 resulted in overall reimbursement loss of 3.77 % compared to G-DRG 2004. G-DRG 2006 leads to slightly improved overall reimbursements compared to G-DRG 2005 by increasing DRG-based revenues. G-DRG 2006 effects 2.40 % reduction in overall reimbursement compared to G-DRG 2004. This loss includes ameliorating effects of additional payments for drugs and blood products already. Despite introduction of additional payments especially designed for children and teenagers in 2006, additional payment volume is decreased by 21.71 % from 2005 to 2006. G-DRG 2006 yields over-all reimbursement losses of 1.45 % in comparison to G-DRG 2004. Overall reimbursements include introduced additional payments for drugs and blood products. (Reimbursements resulting out of DRG payment alone drop by 14.73 % from 2004 to 2005, and increase by 3.26 % from 2005 to 2006 (2004 vs. 2006 11.95 %). Introduction of additional payments for drugs and blood products on a Germany-wide basis introduced in 2005 dampens DRG-based reimbursement losses. Despite introduction of dosage

  4. Smart practice: smart card design considerations in health care.

    Lindley, R A; Pacheco, F

    1995-01-01

    Recent innovations in microelectronics and advances in cryptography are driving the appearance of a new generation of smart cards with wider applications; this has important repercussions for our society in the coming years. Essentially, these breakthroughs include built-in microprocessors capable of generating cryptographic transactions (e.g.,Jelectronic blinded signatures, digital pseudonyms, and digital credentials), developments toward a single electronic card offering multi-access to services such as transport, telecommunications, health, financial, and entertainment (Universal Access Services), and incorporation of personal identification technologies such as voice, eye, or skin pattern recognition. For example, by using electronic representatives or cryptographic blinded signatures, a smart card can be used for multi transactions across different organizations and under different generated pseudonyms. These pseudonyms are capable of recognizing an individual unambiguously, while none of her records can be linked [1]. Moreover, tamper-proof electronic observers would make smart cards a very attractive technology for high-security based applications, such as those in the health care field. New trends in smart card technology offer excellent privacy and confidentiality safeguards. Therefore, smart cards constitute a promising technology for the health sector in Australia and other countries around the world in their pursuit of technology to support the delivery of quality care services. This paper addresses the main issues and the key design criteria which may be of strategic importance to the success of future smart card technology in the health care sector.

  5. A Mechanism for Anonymous Credit Card Systems

    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.

  6. Stream processing health card application.

    Polat, Seda; Gündem, Taflan Imre

    2012-10-01

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

  7. Investigation into Plastic Cards

    Neringa Stašelytė

    2015-03-01

    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.

  8. An Empirical Investigation of the Causes and Consequences of Card-Not-Present Fraud, Its Impact and Solution

    Aguoru, Kingsley Chibuzor

    2015-01-01

    The boom of electronic commerce technologies in recent years has drastically increased the demand for an effective electronic method to pay or be paid. The currently predominant method is online card payment, in which the cardholder is not present at the point of sale. However this method is accompanied by huge vulnerabilities and also serves as a low-risk avenue for fraudsters to steal card details with the intent to defraud online merchants. These merchants are those who mostly bear the ove...

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

    Lam Tak Ming

    2011-02-01

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

  10. Probabilities in the Card Game of Three Cards

    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: https://www.ias.ac.in/article/fulltext/reso/009/03/0076-0077 ...

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

    Willey, Lorrie; White, Barbara Jo

    2013-01-01

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

  12. Credit card fraud detection using neural network and geolocation

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

    2017-11-01

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

  13. Authentication techniques for smart cards

    Nelson, R.A.

    1994-02-01

    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

  14. It's All in the Cards.

    Burke, Jim

    2002-01-01

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

  15. Implementing Smart Cards into the Air Force Reserve

    McClannan, Keith

    2002-01-01

    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...

  16. Implementing Smart Cards into the Air Force Reserve

    McClannan, Keith

    2001-01-01

    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...

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

    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…

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

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

    2013-01-01

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

  19. Card-Sorting Usability Tests of the WMU Libraries' Web Site

    Whang, Michael

    2008-01-01

    This article describes the card-sorting techniques used by several academic libraries, reports and discusses the results of card-sorting usability tests of the Western Michigan University Libraries' Web site, and reveals how the WMU libraries incorporated the findings into a new Web site redesign, setting the design direction early on. The article…

  20. Digitizing Olin Eggen's Card Database

    Crast, J.; Silvis, G.

    2017-06-01

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

  1. Open Payments Data

    U.S. Department of Health & Human Services — Open Payments (otherwise known as the Sunshine Act) - Open Payments is a Congressionally-mandated transparency program that increases awareness of financial...

  2. Heart Attack Payment - National

    U.S. Department of Health & Human Services — Payment for heart attack patients measure – national data. This data set includes national-level data for payments associated with a 30-day episode of care for heart...

  3. Heart Attack Payment - Hospital

    U.S. Department of Health & Human Services — Payment for heart attack patients measure – provider data. This data set includes provider data for payments associated with a 30-day episode of care for heart...

  4. Heart Attack Payment - State

    U.S. Department of Health & Human Services — Payment for heart attack patients measure – state data. This data set includes state-level data for payments associated with a 30-day episode of care for heart...

  5. The c-cards game

    Valente, Andrea

    2005-01-01

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

  6. Electronic payment systems

    Mláka, Michal

    2010-01-01

    This bachelor thesis analysis issue of electronic payment systems. It discusses their use for payments on the internet and sending funds via e-mail. The first part is devoted to the theoretical definition and legislation of the issuance of electronic money and activities of electronic money institutions. The main part of the work clearly focuses on the use of e-wallets, which is an integral part of electronic payment systems. E-wallet of electronic payment system Moneybookers is considered as...

  7. From EuCARD to EuCARD-2

    Chaudron, M

    2013-01-01

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

  8. Auctioning payment entitlements

    Nielsen, Kurt

    2005-01-01

    Payment entitlements is a new commodity that arises from the new European common agricultural policy. The agricultural subsidies are decoupled from the actual production and replaced by the so-called payment entitlements. A payment entitlement has a farm specific value and may be freely traded. T...

  9. PAYMENT CAPACITY SENSITIVITY FACTORS

    Daniel BRÎNDESCU – OLARIU

    2014-11-01

    The results of the study facilitate the determination and classification of the main sensitivity factors for the payment capacity at sample level, the establishment of general benchmarks for the payment capacity (as no such benchmarks currently exist in the Romanian literature and the identification of the mechanisms through which the variation of different factors impacts the payment capacity.

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

    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…

  11. 75 FR 10414 - Researcher Identification Card

    2010-03-08

    ... 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...

  12. RENEWAL OF SWISS LEGITIMATION CARDS

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

    2000-01-01

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

  13. RENEWAL OF SWISS LEGITIMATION CARDS

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

    2000-01-01

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

  14. RENEWAL OF SWISS LEGITIMATION CARDS

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

    2000-01-01

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

  15. RENEWAL OF SWISS LEGITIMATION CARDS

    HR Division

    2001-01-01

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

  16. RENEWAL OF SWISS LEGITIMATION CARDS

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

    2000-01-01

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

  17. [Smart cards in health services].

    Rienhoff, O

    2001-10-01

    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.

  18. OPENING HOURS FOR CARDS OFFICE

    Human Resources Division

    2001-01-01

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

  19. Card counting in continuous time

    Andersson, Patrik

    2012-01-01

    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...

  20. Play the European card

    Majewski, O.

    1999-01-01

    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

  1. Higher Magnitude Cash Payments Improve Research Follow-up Rates Without Increasing Drug Use or Perceived Coercion

    Festinger, David S.; Marlowe, Douglas B.; Dugosh, Karen L.; Croft, Jason R.; Arabia, Patricia L.

    2008-01-01

    In a prior study (Festinger et al., 2005) we found that neither the mode (cash vs. gift card) nor magnitude ($10, $40, or $70) of research follow-up payments increased rates of new drug use or perceptions of coercion. However, higher payments and payments in cash were associated with better follow-up attendance, reduced tracking efforts, and improved participant satisfaction with the study. The present study extended those findings to higher payment magnitudes. Participants from an urban outpatient substance abuse treatment program were randomly assigned to receive $70, $100, $130, or $160 in either cash or a gift card for completing a follow-up assessment at 6 months post-admission (n ≅ 50 per cell). Apart from the payment incentives, all participants received a standardized, minimal platform of follow-up efforts. Findings revealed that neither the magnitude nor mode of payment had a significant effect on new drug use or perceived coercion. Consistent with our previous findings, higher payments and cash payments resulted in significantly higher follow-up rates and fewer tracking calls. In addition participants receiving cash vs. gift cards were more likely to use their payments for essential, non-luxury purchases. Follow-up rates for participants receiving cash payments of $100, $130, and $160 approached or exceeded the FDA required minimum of 70% for studies to be considered in evaluations of new medications. This suggests that the use of higher magnitude payments and cash payments may be effective strategies for obtaining more representative follow-up samples without increasing new drug use or perceptions of coercion. PMID:18395365

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

    Elena V. Ilinich

    2013-01-01

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

  3. Credit Card Debt Hardship Letter Samples

    lissa coffey

    2016-01-01

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

  4. Passive microfluidic array card and reader

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

    2011-08-09

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

  5. Java Card for PayTv Application

    Dutta, Pallab

    2013-01-01

    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...

  6. Modelling a Java Ring based implementation of an N-Count payment system

    Revill, J.D.; Hartel, Pieter H.

    N-Count is a system for offline value transfer. A prototype of an N-Count payment system has been designed, and it has been implemented in Java. We have used the Java Ring with the Java Card API as a secure device. The system has also been modelled using the Spin model checker. The combined

  7. RENEWAL OF SWISS LEGITIMATION CARDS

    HR Division

    2000-01-01

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

  8. RENEWAL OF SWISS LEGITIMATION CARDS

    HR DIVISION

    2000-01-01

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

  9. RENEWAL OF SWISS LEGITIMATION CARDS

    Division des Ressources Humaines

    2000-01-01

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

  10. Reminder: Swiss and French cards

    2012-01-01

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

  11. Swiss and French cards - Reminder

    HR Department

    2011-01-01

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

  12. MAGIC OF «PLASTIC»: HOW RUSSIANS TAKE POSSESSION OF THE BANK CARDS

    Lyubimova D. S.

    2014-03-01

    Full Text Available The article presents results of a sociological research devoted to studying process of formation and development of the Russian market of electronic money. The aim of this work is to identify factors that form specific practices of use bank cards. On the one hand the relevance of the subject is determined by the rapid growth of cashless forms of payment in Russia, and on the other hand, the unwillingness to refuse to «real» money in everyday life of the Russian citizens. Therefore it is important to upgrade card usage experience of the «ordinary» customers of the banks. A series of semi-structured interviews allowed us to bring out the incentives and motivation of the individuals in the transition to a non-cash financial transactions; identify features of learning processes of using cards; elicit barriers to transition to electronic forms of payment, as well as factors contributing to the expansion of the circle of used operations. There is classification of the main groups of card holders with their key socio-demographic characteristics. This article will be useful for sociologists and marketers.

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

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

    2000-04-01

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

  14. Impact of the macro-environment on functioning of the market of bank payment cards in Ukraine Влияние макросреды на функционирование рынка банковских платёжных карт в Украине

    Kapralov Roman О.

    2013-08-01

    Full Text Available In order to assess action of factors that influence development of the Ukrainian market of bank payment cards and determine specific features of formation of its infrastructure and interaction of its subjects, the article conducts a marketing study of the market of bank payment cards with the use of factor STEEP and SWOT analyses. In the result of the conducted STEEP analysis, the study of groups of factors showed that the market of bank payment cards in Ukraine is influenced by social, technological, economic and political and legal factors. They form its positive and negative perception. Ecological factors do not exert influence due to poorly developed culture of protection of environment in the country. All the said factors form together the level of trust of the population to the market of bank payment cards and also the readiness to conduct settlements with the use of such a payment instrument as the bank payment card. In order to reveal strengths and weaknesses of the domestic market of bank payment cards, the article conducts SWOT analysis of the market, which allowed making a conclusion that there are more weaknesses than strengths at this stage of development. Two main aspects need to be marked out among strengths: advantages for the market subjects (development of activity of Ukrainian banks, single-emission and multi-emission payment systems, companies – acceptors of payment cards and advantages for the population of the country (main positive aspects of the market of this type of payment instruments for existing and potential holders of banking payment cards.С целью оценки действия факторов, влияющих на развитие украинского рынка банковских платежных карт и определяющих особенности формирования его инфраструктуры и взаимодействия его субъектов, проведено ма

  15. Calibration of TOB+ Thermometer's Cards

    Banitt, Daniel

    2014-01-01

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

  16. Invoicing, Payments Info

    Goals Recycling Green Purchasing Pollution Prevention Reusing Water Resources Environmental Management Vendors Invoicing, Payments Info Bidding Opportunities Code of Conduct regarding holiday gifts Business

  17. NCDC Punched Card Inventory - 1950s

    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...

  18. One-Card Programs Boast Endless Options.

    Pearcey, Kevin

    2003-01-01

    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)

  19. INTERACTION OF SEARCH CAPABILITIES OF ELECTRONIC AND TRADITIONAL (CARD CATALOGS

    Л. В. Головко

    2017-10-01

    Full Text Available Purpose. Interaction of search capabilities of electronic and traditional (card catalogs. Subject: search capabilities of electronic and traditional (card catalogs and their interaction. Goal: Creating efficient search system for library information services, updating and improving the information retrieval system. To reach this goal, following tasks are set: – to determine the possibility of parallel functioning of electronic and traditional card catalogs, and to reveal the interaction of their search capabilities by conducting a survey via questionnaire titled «Interaction of search capabilities of electronic and traditional (card catalogs»; – to find out which search systems are preferred by users; – to estimate the actual condition of search capabilities of electronic and traditional (card catalogs in the library. Methodology. On various stages of the survey the following methods were used: analysis and synthesis, comparison, generalization, primary sources search; sociological method (survey. These methods allowed determining, processing and ana lyzing the whole complex of available sources, which became an important factor of research objectivity. Finding. Survey results allowed us to analyze the dynamics of changes, new needs of the readers, and to make a decision regarding the quality improvement of information search services. Practical value. Creating a theoretical foundation for implementation of set tasks is the practical value of the acquired findings. Conclusions and results of the research can be used in university students’, postgraduates’ and professors’ information search activities. Certain results of the research are used and implemented in practice of the library of Kryvyi Rih State Pedagogical University, namely at workshops on the basics of information culture (using bibliographic reference unit, information search by key words, authors and titles via electronic catalogue. Guides for users were created. Duty

  20. Data transfer based on intelligent ethernet card

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

    2007-01-01

    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)

  1. Main components of business cards design

    Ю. В. Романенкова

    2003-03-01

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

  2. Palmistry, tarot cards, and psychotherapy.

    Pejic, Nicholas G

    2008-01-01

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

  3. Towards an open sound card

    Dimitrov, Smilen; Serafin, Stefania

    2011-01-01

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

  4. Comparing Candidate Hospital Report Cards

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

    1997-12-31

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

  5. Citizen empowerment using healthcare and welfare cards.

    Cheshire, Paul

    2006-01-01

    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.

  6. Engineering software development with HyperCard

    Darko, Robert J.

    1990-01-01

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

  7. Helping Students Design HyperCard Stacks.

    Dunham, Ken

    1995-01-01

    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)

  8. Payments to the Lab

    Goals Recycling Green Purchasing Pollution Prevention Reusing Water Resources Environmental Management the Lab Make payments for event registrations, sponsorships, insurance, travel, other fees. Contact Treasury Team (505) 667-4090 Email If you need to make a payment to the Lab for an event registration

  9. Universe

    2009-01-01

    The Universe, is one book in the Britannica Illustrated Science Library Series that is correlated to the science curriculum in grades 5-8. The Britannica Illustrated Science Library is a visually compelling set that covers earth science, life science, and physical science in 16 volumes.  Created for ages 10 and up, each volume provides an overview on a subject and thoroughly explains it through detailed and powerful graphics-more than 1,000 per volume-that turn complex subjects into information that students can grasp.  Each volume contains a glossary with full definitions for vocabulary help and an index.

  10. Understanding informal payments for health care: the example of Bulgaria.

    Balabanova, Dina; McKee, Martin

    2002-12-01

    Throughout the 1990s, in response to funding deficits, out-of-pocket payment has grown as a share of total expenditure in countries in transition. A clear policy response to informal payments is, however, lacking. The current study explores informal payments in Bulgaria within a conceptual framework developed by triangulating information using a variety of methodologies. To estimate the scale and determinants of informal payments in the health sector of Bulgaria and to identify who benefits, the characteristics and timing of payments, and the reasons for paying. Data were derived from a national representative survey of 1547 individuals complemented by in-depth interviews and focus groups with over 100 respondents, conducted in Bulgaria in 1997. Informal payments are defined as a monetary or in-kind transaction between a patient and a staff member for services that are officially free of charge in the state sector. Informal payments are relatively common in Bulgaria, especially if in the form of gifts. Informal cash payments are universal for operations and childbirth, clear-cut and life-threatening procedures, in hospitals or elite urban facilities or well-known physicians. Most gifts were given at the end of treatment and most cash payments-before or during treatment. Wealthier, better educated, younger respondents tend to pay more often, as a means of obtaining better-quality treatment in a de facto two-tier system. Since the transition, informal payments had become frequent, explicit, solicited by staff, increasingly in cash, and less affordable. Informal payments stem from the low income of staff, patients seeking better treatment; acute funding shortages; and from tradition. Attitudes to informal payments range from strongly negative (if solicited) to tolerant (if patient-initiated), depending on the circumstances. The study provides important new insights into the incidence and nature of informal payments in the health sector in Bulgaria. Payments were less

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

    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.

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

    Aizzat Mohd. Nasurdin

    2002-01-01

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

  13. Circuit card failures and industry mitigation strategy

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

    2012-07-01

    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)

  14. Signal processing for smart cards

    Quisquater, Jean-Jacques; Samyde, David

    2003-06-01

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

  15. CRC-cards to support development and maintenance of product configuration systems

    Haug, Anders; Hvam, Lars

    2009-01-01

    This article presents a new definition of special Class, Responsibility and Collaboration (CRC) cards to be used for the development and maintenance of Product Configuration Systems (PCSs). CRC cards were introduced as an informal and user-friendly technique for teaching object-oriented modelling...... and maintenance of PCSs. This procedure has since been applied in several configuration projects and further developed at the Centre for Product Modelling (CPM) at the Technical University of Denmark. However, the investigations of two companies that applies CRC cards to document the knowledge base of their PCSs...

  16. Results From Denmark's 2016 Report Card on Physical Activity for Children and Youth

    Larsen, Lisbeth Runge; Troelsen, Jens; Kirkegaard, Kasper Lund

    2016-01-01

    BACKGROUND: The first Danish Report Card on Physical Activity (PA) for Children and Youth describes Denmark's efforts in promoting and facilitating PA and PA opportunities for children and youth. METHODS: The report card relies primarily on a synthesis of the best available research and policy...... strategies identified by the Report Card Research Committee consisting of a wide presentation of researchers and experts within PA health behaviors and policy development. The work was coordinated by Research and Innovation Centre for Human Movement and Learning situated at the University of Southern Denmark...... and the University College Lillebaelt. Nine PA indicators were graded using the Active Healthy Kids Canada Report Card development process. RESULTS: Grades from A (highest) to F (lowest) varied in Denmark as follows: 1) Overall Physical Activity (D+), 2) Organized Sport Participation (A), 3) Active Play (INC...

  17. Sustainability Cards: Design for Longevity

    Hasling, Karen Marie; Ræbild, Ulla

    2017-01-01

    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...

  18. Review of sound card photogates

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

    2011-01-01

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

  19. IMPROVING STUDENTS’ WRITING ABILITY THROUGH CUE CARDS TECHNIQUE

    Fenny Thresia

    2017-05-01

    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

  20. Valutazione economica dello studio CARDS

    Simona de Portu

    2007-10-01

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

  1. Rh-flash acquisition card

    Bourrion, O.

    2003-01-01

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

  2. Feocromocitoma cardíaco

    Gustavo L. Knop

    2006-01-01

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

  3. Advance Payment ACO Model

    U.S. Department of Health & Human Services — The Advance Payment Model is designed for physician-based and rural providers who have come together voluntarily to give coordinated high quality care to the...

  4. NAAG Tobacco Settlement Payments

    U.S. Department of Health & Human Services — 1999-2016. National Association of Attorneys General (NAAG). Policy—Tobacco Settlement Payments. The National Association of Attorneys General (NAAG) provides...

  5. NAAG Tobacco Settlement Payments

    U.S. Department of Health & Human Services — 1999-2017. National Association of Attorneys General (NAAG). Policy—Tobacco Settlement Payments. The National Association of Attorneys General (NAAG) provides...

  6. ESRD Payment System

    U.S. Department of Health & Human Services — Medicare payment to ESRD facilities for outpatient maintenance dialysis services furnished to Medicare beneficiaries with End-Stage Renal Disease (ESRD) is based on...

  7. Network constellations for mobile payments - Influence of the leading partner on NFC-based mobile digital wallets

    Sánchez Garvín, Mario

    2011-01-01

    The mobile payments industry, which is currently at an early stage of development, is taking the direction to be established mainly as an NFC-based industry, and, moreover, led by the mobile digital wallets setting. A mobile digital wallet is a complete payment app for your NFC-enabled mobile phone that enables consumers to pay at stores at the point of sale with a mobile phone. The digital wallet, which is associated with a credit card, integrates all payment-related services like the manage...

  8. BRIEF CONSIDERATIONS ON THE NEW EUROPEAN REGULATION IN TERMS OF PAYMENT SERVICES

    Alexandru Bulearcă

    2014-11-01

    Full Text Available Given that each Member State of the European Union had its own regulation in the matter of payments, the European Commission considered it necessary to adopt an uniform legislation in this regard. Consequently was adopted Directive 2007/64/EC of the European Parliament and of the Council which regulated payment services in the EU and the EEA (European Economic Area. In virtue of the obligation to transpose into the national law the provisions of this Directive, with effect from November 1, 2009 Romania adopted the Emergency Ordinance no. 113/2009 which regulated its own legislation on the provisions of Directive 2007/64/EC. Given the experience gained so far, considering the technological opportunities in the matter of payments and the change in habits of payment of the EU citizens and not only, in conjunction with the development of electronic commerce and increasing facilities offered by the payment service providers in the field of payments via mobile terminals, it has been concluded that provisions of Directive 2007/64/EC are largely overcome by the technological evolution. Wishing to maintain the regulations in the matter of payment services at the current technological level to guarantee the security of payment operations at the same time with the adaptation of the market of EU payments to the opportunities offered by the single market and simultaneously with supporting the EU economy growth, the European Commission has adopted a package of measures which include both a new directive relating to services of payment as well as a proposal for a regulation on inter-bank fees for card payments. The purpose of the regulation is the transparency of bank information on payment services; creating a single legal framework at the EU and EEA level in the matter of payment services and the protection of payment service consumers. The new regulation applies not only to payment transactions in the EU or EEA but also to payments made or received to

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

    Đurđana Ozretić Došen

    2011-06-01

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

  10. Factors affecting the informal payments in public and teaching hospitals.

    Aboutorabi, Ali; Ghiasipour, Maryam; Rezapour, Aziz; Pourreza, Abolghasem; Sarabi Asiabar, Ali; Tanoomand, Asghar

    2016-01-01

    Informal payments in the health sector of many developing countries are considered as a major impediment to health care reforms. Informal payments are a form of systemic fraud and have adverse effects on the performance of the health system. In this study, the frequency and extent of informal payments as well as the determinants of these payments were investigated in general hospitals affiliated to Tehran University of Medical Sciences. In this cross-sectional study, 300 discharged patients were selected using multi-stage random sampling method. First, three hospitals were selected randomly; then, through a simple random sampling, we recruited 300 discharged patients from internal, surgery, emergency, ICU & CCU wards. All data were collected by structured telephone interviews and questionnaire. We analyzed data using Chi- square, Kruskal-Wallis and Mann-Whitney tests. The results indicated that 21% (n=63) of individuals paid informally to the staff. About 4% (n=12) of the participants were faced with informal payment requests from hospital staff. There was a significant relationship between frequency of informal payments with marital status of participants and type of hospitals. According to our findings, none of the respondents had informal payments to physicians. The most frequent informal payments were in cash and were made to the hospitals' housekeeping staff to ensure more and better services. There was no significant relationship between the informal payments with socio-demographic characteristics, residential area and insurance status. Our findings revealed that many strategies can be used for both controlling and reducing informal payments. These include training patients and hospitals' staff, increasing income levels of employees, improving the quantity and quality of health services and changing the entrenched beliefs that necessitate informal payments.

  11. RNA isolation from bloodstains collected on FTA cards - application in clinical and forensic genetics.

    Skonieczna, Katarzyna; Styczyński, Jan; Krenska, Anna; Wysocki, Mariusz; Jakubowska, Aneta; Grzybowski, Tomasz

    2016-01-01

    Aim of the study: In recent years, RNA analysis has been increasingly used in clinical and forensic genetics. Nevertheless, a major limitation of RNA-based applications is very low RNA stability in biological material, due to the RNAse activity. This highlights the need for improving the methods of RNA collection and storage. Technological approaches such as FTA Classic Cards (Whatman) could provide a solution for the problem of RNA degradation. However, different methods of RNA isolation from FTA cards could have diverse effects on RNA quantity and quality. The purpose of this research was to analyze the utility of three different methods of RNA isolation from peripheral blood collected on FTA Classic Cards (Whatman). The study also aimed at assessing RNA stability in bloodstains deposited on FTA cards. Material and methods: The study was performed on peripheral bloodstains collected from 59 individuals on FTA Classic Cards (Whatman). RNA was isolated with High Pure RNA Isolation Kit (Roche Diagnostics), Universal RNA/miRNA Purification (EURx) and TRIzol Reagent (Life Technologies). RNA was subjected to quantitative analysis followed by reverse transcription and Real - Time PCR reaction. Results: The study has shown that FTA Classic Cards (Whatman) are useful tools for storing bloodstains at room temperature for RNA analysis. Moreover, the method of RNA extraction employing TRIzol Reagent (Life Technologies) provides the highest efficiency and reproducibility for samples stored for no more than 2 years. Conclusions: The FTA cards are suitable for collecting and storing bloodstains for RNA analysis in clinical and forensic genetics.

  12. Promoting universal financial protection: evidence from the Rashtriya Swasthya Bima Yojana (RSBY) in Gujarat, India.

    Devadasan, Narayanan; Seshadri, Tanya; Trivedi, Mayur; Criel, Bart

    2013-08-20

    India's health expenditure is met mostly by households through out-of-pocket (OOP) payments at the time of illness. To protect poor families, the Indian government launched a national health insurance scheme (RSBY). Those below the national poverty line (BPL) are eligible to join the RSBY. The premium is heavily subsidised by the government. The enrolled members receive a card and can avail of free hospitalisation care up to a maximum of US$ 600 per family per year. The hospitals are reimbursed by the insurance companies. The objective of our study was to analyse the extent to which RSBY contributes to universal health coverage by protecting families from making OOP payments. A two-stage stratified sampling technique was used to identify eligible BPL families in Patan district of Gujarat, India. Initially, all 517 villages were listed and 78 were selected randomly. From each of these villages, 40 BPL households were randomly selected and a structured questionnaire was administered. Interviews and discussions were also conducted among key stakeholders. Our sample contained 2,920 households who had enrolled in the RSBY; most were from the poorer sections of society. The average hospital admission rate for the period 2010-2011 was 40/1,000 enrolled. Women, elderly and those belonging to the lowest caste had a higher hospitalisation rate. Forty four per cent of patients who had enrolled in RSBY and had used the RSBY card still faced OOP payments at the time of hospitalisation. The median OOP payment for the above patients was US$ 80 (interquartile range, $16-$200) and was similar in both government and private hospitals. Patients incurred OOP payments mainly because they were asked to purchase medicines and diagnostics, though the same were included in the benefit package. While the RSBY has managed to include the poor under its umbrella, it has provided only partial financial coverage. Nearly 60% of insured and admitted patients made OOP payments. We plea for better

  13. Augmenting C-cards with music actions

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

    2006-01-01

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

  14. C-cards in Music Education

    Valente, Andrea; Lyon, Kirstin Catherine

    2005-01-01

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

  15. Credit Card Selection Criteria: Singapore Perspective

    Lydia L. Gan; Ramin Cooper Maysami

    2006-01-01

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

  16. Optical smart card using semipassive communication.

    Glaser, I; Green, Shlomo; Dimkov, Ilan

    2006-03-15

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

  17. Falla cardíaca (primera parte)

    Flórez Alarcón, Noel Alberto; Fundación Valle de Lili

    2006-01-01

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

  18. Toronto Smog Summit Report Card

    2001-01-01

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

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

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

    2010-01-01

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

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

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

    2005-01-01

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

  1. An end-to-end secure patient information access card system.

    Alkhateeb, A; Singer, H; Yakami, M; Takahashi, T

    2000-03-01

    The rapid development of the Internet and the increasing interest in Internet-based solutions has promoted the idea of creating Internet-based health information applications. This will force a change in the role of IC cards in healthcare card systems from a data carrier to an access key medium. At the Medical Informatics Department of Kyoto University Hospital we are developing a smart card patient information project where patient databases are accessed via the Internet. Strong end-to-end data encryption is performed via Secure Socket Layers, transparent to transmit patient information. The smart card is playing the crucial role of access key to the database: user authentication is performed internally without ever revealing the actual key. For easy acceptance by healthcare professionals, the user interface is integrated as a plug-in for two familiar Web browsers, Netscape Navigator and MS Internet Explorer.

  2. Afghan National Police: More than $300 Million in Annual, U.S.-funded Salary Payments Is Based on Partially Verified or Reconciled Data

    2015-01-01

    cards  Reportedly as many as double the number of identification cards in circulation as there are active ANP personnel AHRIMS CSTC-A Storage... mitigated or resolved once integrated electronic systems are in place and data is linked across systems. Such a link could automatically determine...and noncommissioned officers, late ANP salary payments, inadequate payroll taxation , improperly deducted pension contributions, and a cooperative

  3. Complicações pulmonares em crianças submetidas à cirurgia cardíaca em um hospital universitário Pulmonary complications in pediatric cardiac surgery at a university hospital

    Daniel Lago Borges

    2010-06-01

    Full Text Available OBJETIVO: Identificar a prevalência de complicações pulmonares em crianças submetidas à cirurgia cardíaca, assim como características demográficas e clínicas da população estudada. MÉTODOS: A amostra foi composta por 37 crianças, de ambos os sexos, submetidas à cirurgia cardíaca no Hospital Universitário Presidente Dutra, São Luís (MA, durante o ano de 2007. Não foram incluídos pacientes que apresentaram doença pulmonar pré-cirúrgica, portadores de distúrbios neurológicos, óbito intra-operatório, além de falta de dados no prontuário. Os dados foram obtidos pela coleta nas evoluções médicas e de enfermagem dos respectivos prontuários. RESULTADOS: Quanto às características populacionais, houve predomínio de crianças do sexo feminino, provenientes do interior do estado e na faixa etária escolar. Patologias consideradas de baixo risco foram a maioria, destacando-se a persistência do canal arterial, comunicação interventricular e comunicação interatrial. Observou-se que a maior parcela das crianças fez uso de circulação extracorpórea por mais de 30 minutos, sendo a mediana igual a 80 minutos, sofreu esternotomia mediana, utilizou apenas dreno mediastinal e fez uso de ventilação mecânica pós-operatória, sendo a mediana aproximadamente de 6,6 horas. Somente três (8,1% pacientes apresentaram complicações pulmonares, sendo que destes, dois foram a óbito. CONCLUSÃO: A maioria das crianças da amostra era do sexo feminino, na faixa etária escolar e proveniente do interior do estado. Os baixos tempos de circulação extracorpórea e ventilação mecânica, além de cardiopatias congênitas consideradas de baixo risco, podem ter sido fatores contribuintes para o pequeno índice de complicações pulmonares no pós-operatório.OBJECTIVE: To identify the prevalence of pulmonary complications in children undergone cardiac surgery, as well as demographic and clinical characteristics of this population

  4. Wire Scanner Motion Control Card

    Forde, S E

    2006-01-01

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

  5. Verified by Visa and MasterCard SecureCode: Or, How Not to Design Authentication

    Murdoch, Steven J.; Anderson, Ross

    Banks worldwide are starting to authenticate online card transactions using the '3-D Secure' protocol, which is branded as Verified by Visa and MasterCard SecureCode. This has been partly driven by the sharp increase in online fraud that followed the deployment of EMV smart cards for cardholder-present payments in Europe and elsewhere. 3-D Secure has so far escaped academic scrutiny; yet it might be a textbook example of how not to design an authentication protocol. It ignores good design principles and has significant vulnerabilities, some of which are already being exploited. Also, it provides a fascinating lesson in security economics. While other single sign-on schemes such as OpenID, InfoCard and Liberty came up with decent technology they got the economics wrong, and their schemes have not been adopted. 3-D Secure has lousy technology, but got the economics right (at least for banks and merchants); it now boasts hundreds of millions of accounts. We suggest a path towards more robust authentication that is technologically sound and where the economics would work for banks, merchants and customers - given a gentle regulatory nudge.

  6. Cash and Payments Management Data

    General Services Administration — The Prompt Payment Act, along with the Debt Collection Improvement Act of 1996, requires the timely payment of commercial obligations for supplies and services using...

  7. Medicaid Disproportionate Share Hospital Payments

    U.S. Department of Health & Human Services — Medicaid Disproportionate Share Hospital (DSH) Payments This link provides you with information about Medicaid DSH Payments. You can find information on DSH Audit...

  8. Real Communication through Interview and Conversation Cards

    Bonin, Therese M.; Birckbichler, Diane W.

    1975-01-01

    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)

  9. College Student Performance and Credit Card Usage.

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

    2001-01-01

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

  10. Mammography screening credit card and compliance.

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

    1992-07-15

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

  11. BHI Purchase Card System user's guide

    Mehden, P. von der.

    1996-04-01

    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

  12. Enhancing Students' Learning: Instant Feedback Cards

    Mohrweis, Lawrence C.; Shinham, Kathe M.

    2015-01-01

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

  13. Re-Designing Business Card Advertisements.

    Schaub, Laura

    2001-01-01

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

  14. Fingerprint matching on smart card: A review

    Baruni, Kedimotse P

    2016-12-01

    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...

  15. 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.

    2006-01-01

    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.

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

    NONE

    2000-01-10

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

  17. Transforming Mobile Platform with KI-SIM Card into an Open Mobile Identity Tool

    Hyppönen, Konstantin; Hassinen, Marko; Trichina, Elena

    Recent introduction of Near Field Communication (NFC) in mobile phones has stimulated the development of new proximity payment and identification services. We present an architecture that facilitates the use of the mobile phone as a personalised electronic identity tool. The tool can work as a replacement for numerous ID cards and licenses. Design for privacy principles have been applied, such as minimisation of data collection and informed consent of the user. We describe an implementation of a lightweight version of the of the mobile identity tool using currently available handset technology and off-the-shelf development tools.

  18. Insider protection: A report card

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

    1986-01-01

    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

  19. Insider protection: a report card

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

    1986-01-01

    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

  20. Framework for Mobile Payments Integration

    Carton, Fergal; Hedman, Jonas; Damsgaard, Jan

    2012-01-01

    consumers and merchants. These instruments are centralised, costly and lack decision support functionality. The ubiquity of the mobile phone has provided a decentralised platform for managing payment processes in a new way, but the value proposition for customers has yet to be elaborated clearly....... This inertia has stalled the design of sustainable revenue models for a mobile payments ecosystem. Merchants and consumers in the meantime are being seduced by the convenience of on‑line and mobile payment solutions. Adopting the purchase and payment process as the unit of analysis, the current mobile payment...

  1. 4. Payment Schemes

    Home; Journals; Resonance – Journal of Science Education; Volume 6; Issue 2. Electronic Commerce - Payment Schemes. V Rajaraman. Series Article Volume 6 Issue 2 February 2001 pp 6-13. Fulltext. Click here to view fulltext PDF. Permanent link: https://www.ias.ac.in/article/fulltext/reso/006/02/0006-0013 ...

  2. Permissible Delay in Payments

    Yung-Fu Huang

    2007-01-01

    Full Text Available The main purpose of this paper wants to investigate the optimal retailer's lot-sizing policy with two warehouses under partially permissible delay in payments within the economic order quantity (EOQ framework. In this paper, we want to extend that fully permissible delay in payments to the supplier would offer the retailer partially permissible delay in payments. That is, the retailer must make a partial payment to the supplier when the order is received. Then the retailer must pay off the remaining balance at the end of the permissible delay period. In addition, we want to add the assumption that the retailer's storage space is limited. That is, the retailer will rent the warehouse to store these exceeding items when the order quantity is larger than retailer's storage space. Under these conditions, we model the retailer's inventory system as a cost minimization problem to determine the retailer's optimal cycle time and optimal order quantity. Three theorems are developed to efficiently determine the optimal replenishment policy for the retailer. Finally, numerical examples are given to illustrate these theorems and obtained a lot of managerial insights.

  3. Payments for Ecosystem Services

    Chan, Kai M.A; Anderson, Emily K.; Chapman, Mollie

    2017-01-01

    Payments for ecosystem services (PES) programs are one prominent strategy to address economic externalities of resource extraction and commodity production, improving both social and ecological outcomes. But do PES and related incentive programs achieve that lofty goal? Along with considerable en...... sustainable relationships with nature, conserving and restoring ecosystems and their benefits for people now and in the future....

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

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

    1995-01-01

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

  5. Improving computer security by health smart card.

    Nisand, Gabriel; Allaert, François-André; Brézillon, Régine; Isphording, Wilhem; Roeslin, Norbert

    2003-01-01

    The University hospitals of Strasbourg have worked for several years on the computer security of the medical data and have of this fact be the first to use the Health Care Professional Smart Card (CPS). This new tool must provide security to the information processing systems and especially to the medical data exchanges between the partners who collaborate to the care of the Beyond the purely data-processing aspects of the functions of safety offered by the CPS, safety depends above all on the practices on the users, their knowledge concerning the legislation, the risks and the stakes, of their adhesion to the procedures and protections installations. The aim of this study is to evaluate this level of knowledge, the practices and the feelings of the users concerning the computer security of the medical data, to check the relevance of the step taken, and if required, to try to improve it. The survey by questionnaires involved 648 users. The practices of users in terms of data security are clearly improved by the implementation of the security server and the use of the CPS system, but security breaches due to bad practices are not however completely eliminated. That confirms that is illusory to believe that data security is first and foremost a technical issue. Technical measures are of course indispensable, but the greatest efforts are required after their implementation and consist in making the key players [2], i.e. users, aware and responsible. However, it must be stressed that the user-friendliness of the security interface has a major effect on the results observed. For instance, it is highly probable that the bad practices continued or introduced upon the implementation of the security server and CPS scheme are due to the complicated nature or functional defects of the proposed solution, which must therefore be improved. Besides, this is only the pilot phase and card holders can be expected to become more responsible as time goes by, along with the gradual

  6. SD card projects using the PIC microcontroller

    Ibrahim, Dogan

    2010-01-01

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

  7. Insuficiencia cardíaca y diabetes

    Jorge Thierer

    2006-01-01

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

  8. Insuficiencia cardíaca y diabetes

    Thierer, Jorge

    2006-01-01

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

  9. 'Smart card' speeds triage, boosts safety.

    2008-10-01

    An internally developed 'smart card' and a kiosk equipped with an electronic reader have helped Wellington (FL) Regional Medical Center speed up its triage process considerably. The new technology is extremely popular with the staff, as well as with the patients. Here are some of its benefits: Patients who have the card don't need to provide a detailed history every time they visit the ED. Nurses don't have to type in the patient's medical information. It automatically "populates" their computer screen. Security is maintained, because the information is stored in a database, and not on the card.

  10. Loyalty Card Promotional Activity in Budget Hotel

    Teng, Fei

    2010-01-01

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

  11. 12 CFR 226.12 - Special credit card provisions.

    2010-01-01

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

  12. Fingerprint match-on-card: review and outlook

    Shabalala, MB

    2015-03-01

    Full Text Available the statistics on identity theft. This has been achieved by predominantly implementing biometrics matching algorithms inside smart card technology. The biometric matching inside a smart card is known as Match-on-Card/On-Card comparison. However compared...

  13. 75 FR 81721 - Debit Card Interchange Fees and Routing

    2010-12-28

    ... cards not marketed or labeled as a gift card or certificate. EFTA Section 920 provides, however, that... cardholder initiates a purchase by providing his or her card or card information to a merchant. In the case... purchases at retailers in the early 1980s. It was not until the mid-1990s, however, that PIN debit became a...

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

    Hoffman, Jonathan; McGuire, Agnes C.

    1973-01-01

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

  15. Notification: Purchase Card and Convenience Check Audit

    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. Prefrontal system dysfunction and credit card debt.

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

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

  17. College Student Credit Card Usage and Debt.

    Rybka, Kathryn M.

    2001-01-01

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

  18. 25 CFR 249.3 - Identification cards.

    2010-04-01

    ... the issuance of an appropriate identification card to any Indian entitled thereto as prima facie... any Federal, State, or tribal enforcement officer shall be prima facie evidence that the person is not...

  19. FRENCH CARDS - NEW PROCEDURE FOR INITIAL APPLICATION

    Human Resources Division

    2002-01-01

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

  20. EuCARD final project report

    Koutchouk, J P

    2014-01-01

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

  1. 24 CFR 206.19 - Payment options.

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Payment options. 206.19 Section 206... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgages § 206.19 Payment options. (a) Term payment option. Under the term payment option, equal monthly payments are made by the mortgagee to the...

  2. 24 CFR 983.352 - Vacancy payment.

    2010-04-01

    ... PROJECT-BASED VOUCHER (PBV) PROGRAM Payment to Owner § 983.352 Vacancy payment. (a) Payment for move-out month. If an assisted family moves out of the unit, the owner may keep the housing assistance payment... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Vacancy payment. 983.352 Section...

  3. Software for a multichannel acquisition card

    Arista Romeu, E. J.; Diaz Garcia, A.; Vela Morales, O.

    2013-01-01

    A software developed in C++ for a multichannel acquisition card is presented. The use of an acquisition add-on card with multiple channels is a suitable solution to substitute several instruments, allowing simultaneous acquisition with each channel. In this work, the limitations of a concrete hardware are discussed and also several different approaches have been suggested. Some preliminary results obtained in laboratory conditions are shown. (Author)

  4. Smart Card Security; Technology and Adoption

    Hamed Taherdoost; Shamsul Sahibuddin; Neda Jalaliyoon

    2011-01-01

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

  5. Pc Card Sony Ericsson: Semiotik Dan Iklan

    Mutmainnah, Yulia

    2014-01-01

    Through advertisement, producers send messages for their product strength to consumers. Those messages are conveyed through various kinds of signs either in the form of language, picture, caption, icon, index, or symbol. There is communicative exchange on GC79 PC Card Sony Ericsson advertisement between sender and receiver. Sender (advertisement maker) of this advertisement makes good use of reward polluter style, which is, persuading comsumers to use PC Card Sony Ericsson product.

  6. Prototype ALICE front-end card

    Maximilien Brice

    2004-01-01

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

  7. PAYMENT CAPACITY SENSITIVITY FACTORS

    Daniel BRÎNDESCU – OLARIU

    2014-01-01

    The current study focuses on the sensitivity of the corporate payment capacity. Through the nature of the subject, the research is based on simulating variations of the forecasted cash-flows of the companies included in the sample. The study employs 391 forecasted yearly cash-flows statements collected from 50 companies from Timis County (Romania), as well as the detailed hypotheses of the forecasts. The results of the study facilitate the determination and classification of the main se...

  8. Variation in Payment Rates under Medicare's Inpatient Prospective Payment System.

    Krinsky, Sam; Ryan, Andrew M; Mijanovich, Tod; Blustein, Jan

    2017-04-01

    To measure variation in payment rates under Medicare's Inpatient Prospective Payment System (IPPS) and identify the main payment adjustments that drive variation. Medicare cost reports for all Medicare-certified hospitals, 1987-2013, and Dartmouth Atlas geographic files. We measure the Medicare payment rate as a hospital's total acute inpatient Medicare Part A payment, divided by the standard IPPS payment for its geographic area. We assess variation using several measures, both within local markets and nationally. We perform a factor decomposition to identify the share of variation attributable to specific adjustments. We also describe the characteristics of hospitals receiving different payment rates and evaluate changes in the magnitude of the main adjustments over time. Data downloaded from the Centers for Medicare and Medicaid Services, the National Bureau of Economic Research, and the Dartmouth Atlas. In 2013, Medicare paid for acute inpatient discharges at a rate 31 percent above the IPPS base. For the top 10 percent of discharges, the mean rate was double the IPPS base. Variations were driven by adjustments for medical education and care to low-income populations. The magnitude of variation has increased over time. Adjustments are a large and growing share of Medicare hospital payments, and they create significant variation in payment rates. © Health Research and Educational Trust.

  9. 20 CFR 411.525 - What payments are available under each of the EN payment systems?

    2010-04-01

    ... EN payment systems? 411.525 Section 411.525 Employees' Benefits SOCIAL SECURITY ADMINISTRATION THE TICKET TO WORK AND SELF-SUFFICIENCY PROGRAM Employment Network Payment Systems § 411.525 What payments are available under each of the EN payment systems? (a) For payments for outcome payment months, both...

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

    Robb, Cliff A.; Sharpe, Deanna L.

    2009-01-01

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

  11. Stacking up against Alternative Conceptions: Using Uno Cards to Introduce Discourse and Argumentation

    Dunac, Patricia S.; Demi, Kadir

    2013-01-01

    We engaged secondary science students in a teacher and student constructed Uno card game (UCG) to change their conceptual understanding of the various energy transformations. The paper outlines how we incorporated Toulmin's argumentation pattern (Toulmin 1958 "The Uses of Argument"(Cambridge: Cambridge University Press)) in the UCG,…

  12. 6 CFR 37.17 - Requirements for the surface of the driver's license or identification card.

    2010-01-01

    ... Driver's license or identification card number. This cannot be the individual's SSN, and must be unique... University Street, Montreal, Quebec, Canada H3C 5H7, e-mail: [email protected] You may inspect a copy of the...

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

    Yang, Bijou; Lester, David

    2005-06-01

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

  14. The Regulation of the Credit Card Market in Turkey

    Ahmet Faruk Aysan; L. Yildiz

    2006-01-01

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

  15. Firewall Mechanism in a User Centric Smart Card Ownership Model

    Akram , Raja Naeem; Markantonakis , Konstantinos; Mayes , Keith

    2010-01-01

    International audience; Multi-application smart card technology facilitates applications to securely share their data and functionality. The security enforcement and assurance in application sharing is provided by the smart card firewall. The firewall mechanism is well defined and studied in the Issuer Centric Smart Card Ownership Model (ICOM), in which a smart card is under total control of its issuer. However, it is not analysed in the User Centric Smart Card Ownership Model (UCOM) that del...

  16. Health smart cards: merging technology and medical information.

    Ward, Sherry R

    2003-01-01

    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.

  17. Benefits of Using Vocabulary Flash Cards in an EFL Classroom

    Jonathan, Aliponga; Christopher C, Johnston

    2013-01-01

    This paper was written to research and advocate the use of English word cards withregard to vocabulary acquisition and English productive and receptive competency. Also,student perceptions of using and making word cards will be examined to show theimportance of including a word card policy in an EFL classroom. Despite all the positiveresearch done on word cards, it is surprising how many Japanese EFL students do notutilize word cards in their English studies. For this research, 108 students f...

  18. Adoption of Mobile Payment Platforms

    Staykova, Kalina Stefanova; Damsgaard, Jan

    2016-01-01

    Numerous mobile payment solutions, which rely on new disruptive technologies, have been launched on the payment market in recent years. But despite the growing number of mobile payment apps, very few solutions have turned to be successful as the majority of them fail to gain a critical mass...... of users. In this paper, we investigate successful platform adoption strategies by using the Reach and Range Framework for Multi-Sided Platforms as a strategic tool to which mobile payment providers can adhere in order to tackle some of the main challenges they face throughout the evolution...... of their platforms. The analysis indicates that successful mobile payment solutions tend to be launched as one-sided platforms and then gradually be expanded into being two-sided. Our study showcases that the success of mobile payment platforms lies with the ability of the platform to balance the reach (number...

  19. Characteristics of Mobile Payment Procedures

    Kreyer, Nina; Pousttchi, Key; Turowski, Klaus

    2002-01-01

    Companies are not going to invest into the development of innovative applications or services unless these can be charged for appropriately. Thus, the existence of standardized and widely accepted mobile payment procedures is crucial for successful business-to-customer mobile commerce. The acceptance of mobile payment procedures depends on costs, security and convenience issues. For the latter, it is important that a procedure can be used over the different payment scenarios mobile commerce, ...

  20. Medicare Provider Payment Data - Home Health Agencies

    U.S. Department of Health & Human Services — The Home Health Agency PUF contains information on utilization, payment (Medicare payment and standard payment), and submitted charges organized by CMS Certification...

  1. Fingerprint start the next generation of payment method : Fingerprint payment: a new mode of mobile payment

    Wu, Chong

    2016-01-01

    In the generation of mobile internet, fingerprint payment is one of the most popular topics at the moment. China has a big market and many users are using the mobile payment methods. There are a large number of mobile phones equipped with fingerprint recognition technology. As we know, fingerprint payment brings us more convenience and safety. We do not need to use many bankcards, and fingerprint also eliminates the users from the trouble of queuing to pay. However, users send traditional dig...

  2. RNA isolation from bloodstains collected on FTA cards – application in clinical and forensic genetics

    Katarzyna Skonieczna

    2017-06-01

    Full Text Available Aim of the study : In recent years, RNA analysis has been increasingly used in clinical and forensic genetics. Nevertheless, a major limitation of RNA-based applications is very low RNA stability in biological material, due to the RNAse activity. This highlights the need for improving the methods of RNA collection and storage. Technological approaches such as FTA Classic Cards (Whatman could provide a solution for the problem of RNA degradation. However, different methods of RNA isolation from FTA cards could have diverse effects on RNA quantity and quality. The purpose of this research was to analyze the utility of three different methods of RNA isolation from peripheral blood collected on FTA Classic Cards (Whatman. The study also aimed at assessing RNA stability in bloodstains deposited on FTA cards. Material and methods : The study was performed on peripheral bloodstains collected from 59 individuals on FTA Classic Cards (Whatman. RNA was isolated with High Pure RNA Isolation Kit (Roche Diagnostics, Universal RNA/miRNA Purification (EURx and TRIzol Reagent (Life Technologies. RNA was subjected to quantitative analysis followed by reverse transcription and Real – Time PCR reaction. Results : The study has shown that FTA Classic Cards (Whatman are useful tools for storing bloodstains at room temperature for RNA analysis. Moreover, the method of RNA extraction employing TRIzol Reagent (Life Technologies provides the highest efficiency and reproducibility for samples stored for no more than 2 years. Conclusions : The FTA cards are suitable for collecting and storing bloodstains for RNA analysis in clinical and forensic genetics.

  3. 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.

    2016-01-01

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

  4. Managing bundled payments.

    Draper, Andrew

    2011-04-01

    Results of Medicare's ACE demonstration project and Geisinger Health System's ProvenCare initiative provide insight into the challenges hospitals will face as bundled payment proliferates. An early analysis of these results suggests that hospitals would benefit from bringing full automation using clinical IT tools to bear in their efforts to meet these challenges. Other important factors contributing to success include board and physician leadership, organizational structure, pricing methodology for bidding, evidence-based medical practice guidelines, supply cost management, process efficiency management, proactive and aggressive case management, business development and marketing strategy, and the financial management system.

  5. Patient health record on a smart card.

    Naszlady, A; Naszlady, J

    1998-02-01

    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.

  6. Constructing activity–mobility trajectories of college students based on smart card transaction data

    Negin Ebadi

    2017-12-01

    Full Text Available In this research, we use UB card as a convenient source of combined smart transaction data in order to define a campus-wide model for constructing students’ activity–mobility trajectories in time–space dimension. UB Card is a student’s official ID at the University at Buffalo and is used across campus for various activities including Stampedes and Shuttles (on-campus bus system, facilities access, library services, dining, shopping, and etc. Two activity–mobility trajectory construction algorithms are developed. The base algorithm constructs students’ activity–mobility patterns in space–time dimension using a set of smart card transaction data points as the only inputs. The modified individualized algorithm constructs activity–mobility patterns with prior knowledge of students’ previous patterns as they have similar patterns for certain days of the week. A database of 37 students’ travel survey and UB card transactions that contains a period of 5 days have been used to illustrate the results of the study. Three measures of errors have been proposed to capture the time allocation, location deviation, and activity sequences. These errors present an acceptable accuracy (12–25% error ranges for activity types and average 0.04–0.16 miles of error for location predictions and show the potential of inferring activity–mobility behaviors based on smart card transaction type data sets.

  7. Secure Electronic Cards in Public Services

    Cristian TOMA

    2008-01-01

    Full Text Available The paper presents the electronic wallet solution implemented within a GSM SIM technology for accessing public services. The solution is implemented in the medical field to provide information on the patient’s medical history and payment for private medical services. The security issue is a very important one as the patient’s history is confidential and the payment has to be safe.

  8. Empirical Studies on Cash Payments

    J. Kippers (Jeanine)

    2004-01-01

    textabstractCash is still the most common means of daily payments. The large number of cash payments is supported by a costly distribution system in which retailers, banks and central banks participate. Currency is issued in a range of bank note and coin denominations to facilitate efficiency

  9. Build Your Own Payment Model.

    Berlin, Joey

    2017-07-01

    Physicians participating in MACRA have a unique opportunity to create and submit their own alternative payment models to the government and take command of their own future payments. At least one Texas physician is taking a crack at developing his own model.

  10. Incentives and provider payment methods.

    Barnum, H; Kutzin, J; Saxenian, H

    1995-01-01

    The mode of payment creates powerful incentives affecting provider behavior and the efficiency, equity and quality outcomes of health finance reforms. This article examines provider incentives as well as administrative costs, and institutional conditions for successful implementation associated with provider payment alternatives. The alternatives considered are budget reforms, capitation, fee-for-service, and case-based reimbursement. We conclude that competition, whether through a regulated private sector or within a public system, has the potential to improve the performance of any payment method. All methods generate both adverse and beneficial incentives. Systems with mixed forms of provider payment can provide tradeoffs to offset the disadvantages of individual modes. Low-income countries should avoid complex payment systems requiring higher levels of institutional development.

  11. Trading Cards for the Professoriate

    Martinez-Fernandez, Luis

    2003-01-01

    In the celebrity-driven, star-struck culture, university professors do not receive the attention or praise--not to mention the paychecks--of movie actors, pop music idols, super models, or sports stars. Although professors' egos may not be much smaller than those of celebrities, academia lacks the promotional infrastructure of professional sports…

  12. Neural fraud detection in credit card operations.

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

    1997-01-01

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

  13. Data card system for filmless radiography

    Siedband, M.P.

    1987-01-01

    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

  14. CRC-cards for Product Modelling

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

    2003-01-01

    , transportation, service and decommissioning. A main challenge when building product models is to collect and document the product related data, information and knowledge in a structured way. CRC cards are index cards (or computerized versions of these) which are used to record proposed classes, the behavior......This paper describes the CRC (class, responsibility, collaboration) modelling process for building product models. A product model is normally represented in an IT system which contains data, information and knowledge on industrial products and their life cycle properties e.g. manufacturing...... of the classes, their responsibilities, and their relationship to other classes (collaboration). CRC modelling gives an effective, low-tech method for domain-experts, programmers and users to work closely together to identify, structure, understand and document a product model. CRC cards were originally...

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

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

    2006-08-19

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

  16. UTILIZAÇÃO DE JAVA CARD COMO PLATAFORMA PARA O DESENVOLVIMENTO DE APLICAÇÕES EM SMART CARD.

    Lucas Plis Dolce

    2011-12-01

    Full Text Available With the growth of Java Card technology and the increased use of smart cards in the market, demand for the development of applications that run on the cards has risen. These applications need to offerbesides portability, convenience and safety, service quality and high availability for users. This article examines the main concepts of Smart Card technology and use these to develop small applicationsusing the Java Card focusing on the use for control systems where the card would serve as a repository of some data and query tool for larger systems.

  17. FBCT fast intensity measurement using TRIC cards

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

    2015-01-01

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

  18. Card controlled beta backscatter thickness measuring instrument

    Schlesinger, J.

    1978-01-01

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

  19. Changes in out-of-pocket payments for healthcare in Vietnam and its impact on equity in payments, 1992-2002.

    Chaudhuri, Anoshua; Roy, Kakoli

    2008-10-01

    Economic reforms in Vietnam initiated in the late 1980s included deregulation of the health system resulting in extensive changes in health care delivery, access, and financing. One aspect of the health sector reform was the introduction of user fees at both public and private health facilities, which was in stark contrast to the former socialized system of free medical care. Subsequently, health insurance and free health care cards for the poor were introduced to mitigate the barriers to seeking care and financial burden imposed by out-of-pocket (OOP) health payments as a result of the user fees. To examine the determinants of seeking care and OOP payments as well as the relationship between individual out-of-pocket (OOP) health expenditures and household ability to pay (ATP) during 1992-2002. The data are drawn from 1992-93 and 1997-98 Vietnam Living Standard Surveys (VLSS) and 2002 Vietnam Household and Living Standards Survey (VHLSS). We use a two-part model where the first part is a probit model that estimates the probability that an individual will seek treatment. The second part is a truncated non-linear regression model that uses ordinary least-squares and fixed effects methods to estimate the determinants of OOP payments that are measured both as absolute as well as relative expenditures. Based on the analysis, we examine the relationship between the predicted shares of individual OOP health payments and household's ATP as well as selected socioeconomic characteristics. Our results indicate that payments increased with increasing ATP, but the consequent financial burden (payment share) decreased with increasing ATP, indicating a regressive system during the first two periods. However, share of payments increased with ATP, indicating a progressive system by 2002. When comparing across years, we find horizontal inequities in all the years that worsened between 1992 and 1998 but improved by 2002. The regressivity in payments noted during 1992 and 1998 might

  20. Consumers Intention to Use a Single Platform E-Payment System: A Study Among Malaysian Internet and Mobile Banking Users

    LAI POEY CHIN; ZAINAL ARFFIN AHMAD

    2015-01-01

    This study seeks to explore Malaysian Internet and Mobile banking consumers’ in adopting a single platform E-payment system using TAM model. This research seeks to investigate whether convenience and design influence perceived ease of use and perceived usefulness. We also investigated the relationship between perceived ease of use, perceived usefulness and perceived risk with consumers’ intention to use one single platform that integrates card, internet and mobile. Respondents who used both t...

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

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

  2. Increasing Opportunities for Student Responding: Response Cards in the Classroom

    Helf, Shawnna

    2015-01-01

    Response cards are designed to encourage active student engagement during instruction. In this article, the use of response cards is described, along with ways teachers can use the information to inform their work and considerations for implementation.

  3. Puppet Visual Adaptation on Playing Cards as Educational Media

    Joko Wiyoso

    2017-02-01

    Full Text Available This study aims at presenting an effective media in a form of puppet picture playing cards as a means to introduce traditional puppet to the society. Research and Development (R&D was chosen as the method to develop the playing cards. Results were presented in a form of the design of puppet picture playing cards as many as 54 cards as well as 54 puppet characters as the background pictures. The design of the playing cards is adjusted to the common playing cards which are distributed widely in the society, including both the sizes and symbols, like the pictures of spade, heart, diamond, and club. In detail, the design comprises: (1 the size of playing cards which is 6 cm width of the upper and lower sides and 9 cm length for the left and right sides. (2 The playing cards’ background is in a bright color so does the puppet picture on the card can be seen clearly.

  4. Survey of electronic payment methods and systems

    Havinga, Paul J.M.; Smit, Gerardus Johannes Maria; Helme, A.; Verbraeck, A.

    1996-01-01

    In this paper an overview of electronic payment methods and systems is given. This survey is done as part of the Moby Dick project. Electronic payment systems can be grouped into three broad classes: traditional money transactions, digital currency and creditdebit payments. Such payment systems have

  5. 32 CFR 751.13 - Partial payments.

    2010-07-01

    ... voucher and all other information related to the partial payment shall be placed in the claim file. Action... 32 National Defense 5 2010-07-01 2010-07-01 false Partial payments. 751.13 Section 751.13 National... Claims Against the United States § 751.13 Partial payments. (a) Partial payments when hardship exists...

  6. 32 CFR 750.9 - Claims: Payments.

    2010-07-01

    ... requires submission of the payment voucher to the General Accounting Office. All other field authorized payment vouchers are submitted directly to the servicing disbursing office for payment. ... 32 National Defense 5 2010-07-01 2010-07-01 false Claims: Payments. 750.9 Section 750.9 National...

  7. 12 CFR 412.11 - Payment guidelines.

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Payment guidelines. 412.11 Section 412.11 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES ACCEPTANCE OF PAYMENT FROM A NON-FEDERAL SOURCE FOR TRAVEL EXPENSES § 412.11 Payment guidelines. (a) Payments from a non-Federal source, other than...

  8. 10 CFR 603.805 - Payment methods.

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Payment methods. 603.805 Section 603.805 Energy DEPARTMENT... Other Administrative Matters Payments § 603.805 Payment methods. A TIA may provide for: (a... progress. A fixed-support TIA must use this payment method (this does not preclude use of an initial...

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

    Toma Cristian

    2009-01-01

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

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

    Dreifus, H.N.

    1988-01-01

    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

  11. Studi Perkembangan Pasar Smart Card Indonesia Pada Sektor Perbankan

    Onny Rafizan

    2017-01-01

    Smart card merupakan salah satu teknologi yang sudah banyak digunakan di Indonesia di berbagai sektor. Dari sisi teknologi, industri dalam negeri sebenarnya sudah mampu memproduksi smart card, sehingga industri ini sangat potensial untuk dikembangkan menuju kemandirian. Penelitian ini dilakukan sebagai bagian dalam USAha pemerintah untuk mendorong perkembangan industri smart card dalam negeri, dengan tujuan memberikan gambaran kondisi pasar smart card di Indonesia saat ini. Pengumpulan data p...

  12. Smart Card sebagai Pengaman Sepeda Motor Berbasis Mikrokontroler

    Yohanes Chrisostomus Purba; Antonius Wibowo

    2010-01-01

    Pengaman sepeda motor yang berbentuk smart card terdiri dari bagian yang memuat chip EEPROM dan bagian pengaman smart card. Pembacaan smart card didesain dan ditempatkan pada sepeda motor. Untuk pembacaan data chip SLE 4442, dan pembacaan data pengaman smart card digunakan mikrokontroler AT89S51. Untuk pengaturan aktif maupun tidak aktifnya CDI, dan starter juga digunakan mikrokontroler AT89S51. Sistem pengaman sepeda motor akan menjadi aktif bila sepeda motor dalam keadaan mati. Smart car...

  13. Payment by Results

    Brendan A. Rapple

    1994-01-01

    Full Text Available Today the public is demanding that it exercise more control over how tax dollars are spent in the educational sphere, with multitudes also canvassing that education become closely aligned to the marketplace's economic forces. In this paper I examine an historical precedent for such demands, i.e. the comprehensive 19th century system of accountability, "Payment by Results," which endured in English and Welsh elementary schools from 1862 until 1897. Particular emphasis is focused on the economic market-driven aspect of the system whereby every pupil was examined annually by an Inspector, the amount of the governmental grant being largely dependent on the answering. I argue that this was a narrow, restrictive system of educational accountability though one totally in keeping with the age's pervasive utilitarian belief in laissez-faire. I conclude by observing that this Victorian system might be suggestive to us today when calls for analogous schemes of educational accountability are shrill.

  14. 42 CFR 412.521 - Basis of payment.

    2010-10-01

    ... PROSPECTIVE PAYMENT SYSTEMS FOR INPATIENT HOSPITAL SERVICES Prospective Payment System for Long-Term Care Hospitals § 412.521 Basis of payment. (a) Method of payment. (1) Under the prospective payment system, long... furnished to Medicare beneficiaries. (2) The amount of payment under the prospective payment system is based...

  15. 75 FR 55392 - Employment Network Report Card

    2010-09-10

    ... SOCIAL SECURITY ADMINISTRATION [Docket No. SSA-2010-0046] Employment Network Report Card AGENCY: Social Security Administration (SSA). ACTION: Notice of Webinar and National Teleconference Call listening sessions--announcing two opportunities for SSA to hear public comments on Employment Network...

  16. Looking at Debit and Credit Card Fraud

    Porkess, Roger; Mason, Stephen

    2012-01-01

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

  17. Artist Trading Cards: Connecting with Other Communities

    Bovio, Deborah

    2011-01-01

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

  18. Melting Metal on a Playing Card

    Greenslade, Thomas B., Jr.

    2016-01-01

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

  19. Integration through a Card-Sort Activity

    Green, Kris; Ricca, Bernard P.

    2015-01-01

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

  20. Tumores cardíacos primarios

    Rosa Eugenia Díaz Garriga

    2013-10-01

    Full Text Available Introducción: los tumores cardíacos primarios son aquellos que se originan en Miocardio o Pericardio. El 90% son benignos, no son invasivos, pero debido a su localización pueden provocar alteraciones hemodinámicas graves y arrítmias. Presentación del caso: dos casos portadores de tumores cardíacos diagnosticados en la etapa prenatal, una gestante de 32 años, portadora de una Neurofribromatosis que en la ecocardiografía fetal de su hijo, se identifican dos tipos de tumores cardíacos, un mixoma auricular y un fibroma, y un niño que desde la etapa prenatal se diagnosticó un rabdomioma, lo cual se confirmó al nacimiento y que regresó espontáneamente. Conclusiones: a ecocardiografía fetal permite cada vez con más frecuencia, el diagnóstico intraútero de tumores cardíacos. Los rabdomiomas regresan en más del 50% de los casos, pero pueden ser un marcador de Esclerosis Tuberosa. Los tumores cardiacos se asocian a otras afecciones congénitas y requieren de tratamiento quirúrgico. Aspectos todos a tener en consideración para realizar el asesoramiento genético a la familia.

  1. Optical security features for plastic card documents

    Hossick Schott, Joachim

    1998-04-01

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

  2. Insuficiencia cardíaca y diabetes

    Jorge Thierer

    2006-01-01

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

  3. INTERFACE ELECTRONIC MEDICAL CARD ON MOBILE DEVICE

    Y. L. Nechyporenko

    2013-05-01

    Full Text Available The concept designed by electronic medical card for heterogeneous environment of medical information systems at various levels. Appropriate model and technical solution. Done evaluating operating systems for mobile devices. Designed and produced by the project mobile application on Android OS as an electronic medical record on a Tablet PC Acer.

  4. FT 3 Flight Test Cards for Export

    Marston, Michael L.

    2015-01-01

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

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

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

    2017-01-01

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

  6. 8 CFR 1212.6 - Border crossing identification cards.

    2010-01-01

    ... combined B-1/B-2 visitor visa and non-biometric border crossing identification card or (a similar stamp in... non-biometric border crossing identification card (or similar stamp in a passport), issued by the DOS... 8 Aliens and Nationality 1 2010-01-01 2010-01-01 false Border crossing identification cards. 1212...

  7. 25 CFR 11.422 - Unauthorized use of credit cards.

    2010-04-01

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

  8. 77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

    2012-06-22

    ... 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...

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

    2012-12-20

    ... 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...

  10. Clinicians completion rate of radiology request card in a Nigerian ...

    The importance of adequately completing the radiology request card by the clinicians, in management of patient cannot be overemphasized. Omission of information on the request card may lead to reporting error. This study investigated the compliance rate of filling the radiology request card by clinicians received in a ...

  11. 46 CFR 154.1814 - Cargo information cards.

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo information cards. 154.1814 Section 154.1814... cards. (a) No person may operate a vessel unless a cargo information card for each cargo being... accessible to the person in charge of the watch. (b) When a vessel is moored at a terminal, the master shall...

  12. 22 CFR 50.9 - Card of identity.

    2010-04-01

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

  13. 76 FR 3180 - Market Test of Gift Cards

    2011-01-19

    ... are very similar to money orders. Id. at 7. The Postal Service asserts that gift cards purchased from... POSTAL REGULATORY COMMISSION [Docket No. MT2011-2; Order No. 647] Market Test of Gift Cards AGENCY... Service proposal to conduct a 2-year market test involving the sale of gift cards. This document describes...

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

    Nieberg, T.

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

  15. 78 FR 39020 - Market Test on Gift Cards

    2013-06-28

    ... POSTAL REGULATORY COMMISSION [Docket No. MT2011-2; Order No. 1755] Market Test on Gift Cards... Service filing requesting a temporary extension of a market test on gift cards. This notice informs the... INFORMATION: On June 18, 2013, the United States Postal Service moved to temporarily extend its Gift Card...

  16. Study on payments through mobile phones

    Anca Ioana ANDREESCU

    2006-01-01

    Full Text Available The evolution of information and communications technology, together with the increasing use of electronic commerce, phones and mobile applications, have facilitated mobile payments to become an alternative payment method for buyers and vendors. Mobile payments offer various opportunities to business environment and became a starting point in the transition from electronic to mobile. This paper aims to analyze the present situation of the mobile payment methods and to identify the effects that mobile payment systems have on electronic commerce.

  17. Preparing for budget-based payment methodologies: global payment and episode-based payment.

    Hudson, Mark E

    2015-10-01

    Use of budget-based payment methodologies (capitation and episode-based bundled payment) has been demonstrated to drive value in healthcare delivery. With a focus on high-volume, high-cost surgical procedures, inclusion of anaesthesiology services in these methodologies is likely. This review provides a summary of budget-based payment methodologies and practical information necessary for anaesthesiologists to prepare for participation in these programmes. Although few examples of anaesthesiologists' participation in these models exist, an understanding of the structure of these programmes and opportunities for participation are available. Prospective preparation in developing anaesthesiology-specific bundled payment profiles and early participation in pathway development associated with selected episodes of care are essential for successful participation as a gainsharing partner. With significant opportunity to contribute to care coordination and cost management, anaesthesiology can play an important role in budget-based payment programmes and should expect to participate as full gainsharing partners. Precise costing methodologies and accurate economic modelling, along with identification of quality management and cost control opportunities, will help identify participation opportunities and appropriate payment and gainsharing agreements. Anaesthesiology-specific examples with budget-based payment models are needed to help guide increased participation in these programmes.

  18. 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

    Nevin UZGÖREN

    2007-01-01

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

  19. 42 CFR 413.350 - Periodic interim payments for skilled nursing facilities receiving payment under the skilled...

    2010-10-01

    ... facilities receiving payment under the skilled nursing facility prospective payment system for Part A... nursing facilities receiving payment under the skilled nursing facility prospective payment system for... SNF receiving payment under the prospective payment system may receive periodic interim payments (PIP...

  20. Qualification test of few group constants generated from an MC method by the two-step neutronics analysis system McCARD/MASTER

    Park, Ho Jin; Shim, Hyung Jin; Joo, Han Gyu; Kim, Chang Hyo

    2011-01-01

    The purpose of this paper is to examine the qualification of few group constants estimated by the Seoul National University Monte Carlo particle transport analysis code McCARD in terms of core neutronics analyses and thus to validate the McCARD method as a few group constant generator. The two- step core neutronics analyses are conducted for a mini and a realistic PWR by the McCARD/MASTER code system in which McCARD is used as an MC group constant generation code and MASTER as a diffusion core analysis code. The two-step calculations for the effective multiplication factors and assembly power distributions of the two PWR cores by McCARD/MASTER are compared with the reference McCARD calculations. By showing excellent agreements between McCARD/MASTER and the reference MC core neutronics analyses for the two PWRs, it is concluded that the MC method implemented in McCARD can generate few group constants which are well qualified for high-accuracy two-step core neutronics calculations. (author)

  1. Thermorewritable card by using dyes; Senryo wo mochiita kakikae kanona card

    Muto, Y.

    1998-06-01

    Described herein are thermorewritable cards which use dyes. Rewritable cards, mainly used for membership and point cards, are themselves used repeatedly and required to be rewritable repeatedly for information they carry. The dyes and developers used for the conventional heat- and pressure-sensitive papers are colorless, leuco-dye precursors and acidic compounds with a phenolic hydroxyl group or the like. They transfer electrons to each other, opening the lactone ring of the dye precursor to develop the color. Developing and erasing the color are reversible chemical reactions, where the color is developed under heat and maintained by quenching. For erasing the color, it is heated and then slowly cooled to separate the precursor and developer phases from each other. A printer (thermal head) is required for developing and erasing a color. Durability under various conditions is another requirement of the card; it must be adaptable to weather conditions and resistant to sweat. The new thermorewritable card is protected from various adverse effects on its chemical reactions, and made as durable as the conventional cards. 3 refs., 5 figs., 1 tab.

  2. Electronic Payments Profitability Extent Model

    Rudolf Vohnout

    2016-12-01

    Full Text Available Cashless payments are recent phenomena, which even increased with the introduction of contactless means like NFC, PayPass or payWave. Such new methods speed-up the entire payment process and in comparison to cash transactions are much simpler and faster. But on the other hand the key question for merchant is if it is worth to have such device, which accept these new payment means or not to have the terminal at all. What is the amount of cash flow, which delimits the cash holdings to be still profitable? This paper tries to give answers to such question by presenting general profitability model, which will address defining the cash threshold amount. The aim is to show that cash holdings could be profitable up to certain amount, but after the threshold is met, cashless payment methods are fairly superior despite their additional costs.

  3. Payment changes require integrating records.

    Palley, M A

    1990-06-01

    The greatest challenges for healthcare organizations facing radical changes in their payment and reporting structures lie in finding ways to integrate various forms of patient information. An analysis of how three New York City hospitals dealt with their state's switch to an all-payer diagnosis related group-based payment system reveals strengths and weaknesses in their existing information systems and in steps taken to adapt to the change.

  4. Astronomy and Space Technologies, WILGA 2012; EuCARD Sessions

    Romaniuk, R S

    2012-01-01

    Wilga Sessions on HEP experiments, astroparticle physics and accelerator technology were organized under the umbrella of the EU FP7 Project EuCARD – European Coordination for Accelerator Research and Development. This paper is the first part (out of five) of the research survey of WILGA Symposium work, May 2012 Edition, concerned with photonics and electronics applications in astronomy and space technologies. It presents a digest of chosen technical work results shown by young researchers from different technical universities from this country during the Jubilee XXXth SPIE-IEEE Wilga 2012, May Edition, symposium on Photonics and Web Engineering. Topical tracks of the symposium embraced, among others, nanomaterials and nanotechnologies for photonics, sensory and nonlinear optical fibers, object oriented design of hardware, photonic metrology, optoelectronics and photonics applications, photonics-electronics co-design, optoelectronic and electronic systems for astronomy and high energy physics experiments, JE...

  5. The mother's card: a simplified aid for primary health workers.

    Shah, K P; Shah, P M

    1981-02-01

    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. PC add on card for processing of LSC signals

    Jadhav, S.R.; Nikhare, D.M.; Gurna, R.K.; Paulson, Molly; Kulkarni, C.P.; Vaidya, P.P.

    2001-01-01

    This paper describes PC- add on card developed at Electronics Division for processing of LSC signals. This card uses highly integrated digital and analog circuits, for entire processing of signals available from preamplifiers to get complete beta energy spectrum corresponding to coincident events in Liquid Scintillation Counting. LSC card along with High Voltage PC-add on card gives complete electronics required for LSC system. This card is also used in automatic LSC system along with interface circuits, which are used to control mechanical movements. (author)

  7. The possibility of using "Job Card" for career education

    横山, 裕; ヨコヤマ, ユタカ; Yutaka, YOKOYAMA

    2009-01-01

    This paper described the advantage of using a "job card" for career education. "The job card system" is a new system that began this year. The original purpose of "the job card system" is to support a person looking for a job. When a job seeker writes a "job card", the job seeker can understand his own work experience and employment possibilities while getting the advice of the career counselor. If a teacher utilized a "job card" for career education in this way, the student can understand hi...

  8. Health care report cards: what about consumers' perspectives?

    McGee, J; Knutson, D

    1994-10-01

    Though the report card style is seen by many as a way to create better-informed consumers, very little is actually known about how consumers will respond to health care report cards. Report cards are only one of many factors that influence health care decision making. Much consumer-oriented effort and fine-tuning will be required to make report cards effective. Using the approach called "social marketing" as a framework, specific examples are used to outline some ideas for more intensive pursuit of consumers' perspectives in the design and distribution of report cards.

  9. Episodic payments (bundling): PART I.

    Jacofsky, D J

    2017-10-01

    Episodic, or bundled payments, is a concept now familiar to most in the healthcare arena, but the models are often misunderstood. Under a traditional fee-for-service model, each provider bills separately for their services which creates financial incentives to maximise volumes. Under a bundled payment, a single entity, often referred to as a convener (maybe the hospital, the physician group, or a third party) assumes the risk through a payer contract for all services provided within a defined episode of care, and receives a single (bundled) payment for all services provided for that episode. The time frame around the intervention is variable, but defined in advance, as are included and excluded costs. Timing of the actual payment in a bundle may either be before the episode occurs (prospective payment model), or after the end of the episode through a reconciliation (retrospective payment model). In either case, the defined costs over the defined time frame are borne by the convener. Cite this article: Bone Joint J 2017;99-B:1280-5. ©2017 The British Editorial Society of Bone & Joint Surgery.

  10. Data mining technique for a secure electronic payment transaction using MJk-RSA in mobile computing

    G. V., Ramesh Babu; Narayana, G.; Sulaiman, A.; Padmavathamma, M.

    2012-04-01

    Due to the evolution of the Electronic Learning (E-Learning), one can easily get desired information on computer or mobile system connected through Internet. Currently E-Learning materials are easily accessible on the desktop computer system, but in future, most of the information shall also be available on small digital devices like Mobile, PDA, etc. Most of the E-Learning materials are paid and customer has to pay entire amount through credit/debit card system. Therefore, it is very important to study about the security of the credit/debit card numbers. The present paper is an attempt in this direction and a security technique is presented to secure the credit/debit card numbers supplied over the Internet to access the E-Learning materials or any kind of purchase through Internet. A well known method i.e. Data Cube Technique is used to design the security model of the credit/debit card system. The major objective of this paper is to design a practical electronic payment protocol which is the safest and most secured mode of transaction. This technique may reduce fake transactions which are above 20% at the global level.

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

    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.

  12. Falla cardíaca aguda

    Sénior Sánchez, Juan Manuel; Gándara Ricardo, Jairo Alfonso

    2015-01-01

    Se presenta el caso clínico de una mujer de 26 años de edad, que acudió al Hospital Universitario San Vicente Fundación (Medellín) con síntomas y signos de falla cardíaca aguda y diagnóstico previo de falla cardíaca crónica con fracción de expulsión disminuida, de origen no claro, tromboembolismo pulmonar y ataque cerebrovascular isquémico, sin modulación neurohormonal óptima. Ingresó a la institución con hallazgos clínicos de sobrecarga hídrica y baja perfusión tisular, con requerimiento de ...

  13. Enhancing Privacy for Biometric Identification Cards

    2009-01-01

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

  14. SUPPORT CARD FOR THE FORWARD SCT MODULE

    Greenall, A

    2002-01-01

    Previously in the development and testing stage of ATLAS SCT Forward modules support cards have been used which interface the module to the DAQ by using only the Redundant inputs for the module configuration and the 'spying' of the ABCD Master chip(s) data. As module development has matured there is now a necessity to be able to test modules in the laboratory using also their Primary input/output data routes i.e. using the optical chips DORIC [1] and VDC [2] but without the need of optical fibres. A Forward Kapton Support Card, FKSC, has been developed so that both Primary and Redundant data routes can be used for module testing.

  15. Organic Functional Group Playing Card Deck

    Welsh, Michael J.

    2003-04-01

    The recognition and identification of organic functional groups, while essential for chemistry and biology majors, is also very useful for non-science majors in the study of molecules in art and life. In order to make this task more palatable for the non-science major (art and communications students), the images of a traditional playing deck of cards (heart, spade, diamond, and club) have been replaced with four representations of common organic functional groups. The hierarchy rules for naming two groups in a molecule is loosely incorporated to represent the sequence (King, Queen, Jack, ?, Ace) of the deck. Students practice recognizing and identifying organic groups by playing simple card games of "Old Maid" and "Go Fish". To play games like "Poker" or "Gin", a student must not only recognize the functional groups, but also master a naming hierarchy for the organic groups.

  16. Sistem Pencatatan Kehadiran Berbasis Java Card

    Lidya Octarina

    2010-12-01

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

  17. Microprocessor Card for Cuban Series polarimeters Laserpol

    Arista Romeu, E.; Mora Mazorra, W.

    2012-01-01

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

  18. 16 Cards to Get Into Computer Organization

    Tabik, Siham; Romero, Luis F.

    2014-01-01

    This paper presents a novel educative activity for teaching computer architecture fundamentals. This activity is actually a game that uses 16 cards and involves about twenty active participant students. Executing this activity in the fi rst class of the course allows the studentin only 45 minutes to acquire the fundamental concepts of computer organization. The results of the surveys that evaluate the proposed activity together with the grades obtained by the students at the end of course...

  19. Data mining teaching throughout cards game competition

    Antoñanzas-Torres, Javier; Urraca, Ruben; Sodupe-Ortega, Enrique; Martínez-de-Pison, Francisco; Pernía-Espinoza, Alpha

    2015-01-01

    [EN] Data-mining techniques and statistical metrics learning can be complicated because of the complexity and overwhelming nature of this field. In this paper a class competition to improve learning of designing Decision Support Systems (DSS) by playing a classic cards game named "Copo" is proposed. The fact that this game is based on a probabilistic problem and that different solutions can be obtained represents a very typical kind of problem in the field of engineering and compu...

  20. Some security strategies for smart cards

    Ros, F [Gemalto, St Cyr en Val, BP 6021, 45060 Orlans Cedex (France); Harba, R [LESI, Polytech' Orlans-LESI, 12 rue de Blois, 45067 Orleans Cedex 2 (France)

    2007-07-15

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

  1. Repeated extraction of DNA from FTA cards

    Stangegaard, Michael; Ferrero, Laura; Børsting, Claus

    2011-01-01

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

  2. The manuscript of Kartoteka (Card Index

    Zbigniew Władysław Solski

    2009-01-01

    Full Text Available At the beginning of the 70s Tadeusz Różewicz presented the manuscript of Card Index to Professor Józef Kelera. It might have stayed a secret of friendship of the dramatist and the critic, however, Różewicz revealed the initials of his friend when in a commenatry to the play, he posed a question, whether there was a full stop after the last word in the manuscript or not? Posing this question, the author claimed the integrality of his masterpiece which was threatened by the widespread interpretations of Card Index as a play of a loose and dispersed structure. Appreciating the value of this question, I turned to Professor Kelera. This way I have had an access to the autograph of the play. In this manuscript has been preserved the play from before its final editing, which its author must surely have made during typing the text. Handwritten notes contain two unknown versions of the play with fragments which would not have been passed by the censors in the then Polish People’s Republic. In the reading of the manuscript the functions of the word and its graphic shape appeared of equal importance, so this version of Card Index can be recognised as a masterpiece of literature.

  3. NOD1CARD Might Be Using Multiple Interfaces for RIP2-Mediated CARD-CARD Interaction: Insights from Molecular Dynamics Simulation.

    Jitendra Maharana

    Full Text Available The nucleotide-binding and oligomerization domain (NOD-containing protein 1 (NOD1 plays the pivotal role in host-pathogen interface of innate immunity and triggers immune signalling pathways for the maturation and release of pro-inflammatory cytokines. Upon the recognition of iE-DAP, NOD1 self-oligomerizes in an ATP-dependent fashion and interacts with adaptor molecule receptor-interacting protein 2 (RIP2 for the propagation of innate immune signalling and initiation of pro-inflammatory immune responses. This interaction (mediated by NOD1 and RIP2 helps in transmitting the downstream signals for the activation of NF-κB signalling pathway, and has been arbitrated by respective caspase-recruitment domains (CARDs. The so-called CARD-CARD interaction still remained contradictory due to inconsistent results. Henceforth, to understand the mode and the nature of the interaction, structural bioinformatics approaches were employed. MD simulation of modelled 1:1 heterodimeric complexes revealed that the type-Ia interface of NOD1CARD and the type-Ib interface of RIP2CARD might be the suitable interfaces for the said interaction. Moreover, we perceived three dynamically stable heterotrimeric complexes with an NOD1:RIP2 ratio of 1:2 (two numbers and 2:1. Out of which, in the first trimeric complex, a type-I NOD1-RIP2 heterodimer was found interacting with an RIP2CARD using their type-IIa and IIIa interfaces. However, in the second and third heterotrimer, we observed type-I homodimers of NOD1 and RIP2 CARDs were interacting individually with RIP2CARD and NOD1CARD (in type-II and type-III interface, respectively. Overall, this study provides structural and dynamic insights into the NOD1-RIP2 oligomer formation, which will be crucial in understanding the molecular basis of NOD1-mediated CARD-CARD interaction in higher and lower eukaryotes.

  4. CMS announces new payment model

    Robbins RA

    2018-01-01

    Full Text Available No abstract available. Article truncated after 150 words. On Tuesday, 1/9/18, the Centers for Medicare and Medicaid (CMS announced a new voluntary bundled-payment model that will be considered an advanced alternative payment model under Medicare Access and CHIP Reauthorization Act of 2015 (MACRA (1. The new model is the first advanced Alternative Payment Model (APM to be introduced by the Trump administration. The Trump administration has been a vocal advocate of reducing administrative burden for clinicians and has touted voluntary models as a solution (2. The new, voluntary model comes less than two months after the CMS officially decided to eliminate two mandatory bundled-payment models created during the Obama administration. Under the model, clinician payment will be based on quality measures during a 90-day episode of care. Participants must select at least one of the 32 clinical episodes to apply to the model. The inpatient clinical episodes are listed in Table 1 (3. Table 1. Clinical inpatient episodes under …

  5. 20 CFR 411.550 - How are the outcome payments calculated under the outcome payment system?

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false How are the outcome payments calculated under the outcome payment system? 411.550 Section 411.550 Employees' Benefits SOCIAL SECURITY ADMINISTRATION... the outcome payments calculated under the outcome payment system? The amount of each monthly outcome...

  6. Proof of payment for all reimbursement claims

    HR Department

    2006-01-01

    Members of the personnel are kindly requested to note that only documents proving that a payment has been made are accepted as proof of payment for any claims for reimbursement, including specifically the reimbursement of education fees. In particular, the following will be accepted as proof of payment: bank or post office bank statements indicating the name of the institution to which the payment was made; photocopies of cheques made out to the institution to which the payments were made together with bank statements showing the numbers of the relevant cheques; proof of payment in the form of discharged payment slips; invoices with acknowledgement of settlement, receipts, bank statements detailing operations crediting another account or similar documents. As a result, the following documents in particular will no longer be accepted as proof of payment: photocopies of cheques that are not submitted together with bank or post office bank statements showing the numbers of the relevant cheques; details of ...

  7. Equal Access to Justice Act Payments

    Social Security Administration — A dataset containing payment amounts made by the Social Security Administration for court-approved Equal Access to Justice Act (EAJA) payments for fiscal year 2010...

  8. 32 CFR 756.7 - Payment.

    2010-07-01

    ... payment is possible under another statute. In some cases, neither the NAFI nor its insurer may be legally responsible. In those instances when there is no negligence, and payment is authorized under some other...

  9. 36 CFR 51.79 - May the Director waive payment of a franchise fee or other payments?

    2010-07-01

    ... payment of a franchise fee or other payments? 51.79 Section 51.79 Parks, Forests, and Public Property....79 May the Director waive payment of a franchise fee or other payments? The Director may not waive the concessioner's payment of a franchise fee or other payments or consideration required by a...

  10. 42 CFR 412.540 - Method of payment for preadmission services under the long-term care hospital prospective payment...

    2010-10-01

    ... the long-term care hospital prospective payment system. 412.540 Section 412.540 Public Health CENTERS... PAYMENT SYSTEMS FOR INPATIENT HOSPITAL SERVICES Prospective Payment System for Long-Term Care Hospitals... payment system. The prospective payment system includes payment for inpatient operating costs of...

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

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

    2017-06-14

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

  12. Australian healthcare: a smart card for a clever country.

    Morris, S; Cooper, J; Bomba, D; Brankovic, L; Miller, M; Pacheco, F

    1995-10-01

    In this paper we give an overview of smart card technology how a smart card could be used as a healthcare card and the benefits that would most likely result from doing so. The smart card memory can be zoned into different security levels. The top security zone may contain an individual's full medical history while the lowest security zone may contain the cardholders name and address. Access to the different zones depends on the level of security of the zone. The higher the security level the more restrictive the access method. Were smart cards adopted for the storage of medical histories it would change the form of medical information recorded, not merely convert paper files to electronic ones. Storage of an individual's medical history on a smart card raises important privacy issues. These privacy issues are discussed particularly as they relate to the Australian community.

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

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

    2015-04-07

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

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

    Mirjana Pejić Bach

    2014-03-01

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

  15. The autoinhibitory CARD2-Hel2i Interface of RIG-I governs RNA selection.

    Ramanathan, Anand; Devarkar, Swapnil C; Jiang, Fuguo; Miller, Matthew T; Khan, Abdul G; Marcotrigiano, Joseph; Patel, Smita S

    2016-01-29

    RIG-I (Retinoic Acid Inducible Gene-I) is a cytosolic innate immune receptor that detects atypical features in viral RNAs as foreign to initiate a Type I interferon signaling response. RIG-I is present in an autoinhibited state in the cytoplasm and activated by blunt-ended double-stranded (ds)RNAs carrying a 5' triphosphate (ppp) moiety. These features found in many pathogenic RNAs are absent in cellular RNAs due to post-transcriptional modifications of RNA ends. Although RIG-I is structurally well characterized, the mechanistic basis for RIG-I's remarkable ability to discriminate between cellular and pathogenic RNAs is not completely understood. We show that RIG-I's selectivity for blunt-ended 5'-ppp dsRNAs is ≈3000 times higher than non-blunt ended dsRNAs commonly found in cellular RNAs. Discrimination occurs at multiple stages and signaling RNAs have high affinity and ATPase turnover rate and thus a high katpase/Kd. We show that RIG-I uses its autoinhibitory CARD2-Hel2i (second CARD-helicase insertion domain) interface as a barrier to select against non-blunt ended dsRNAs. Accordingly, deletion of CARDs or point mutations in the CARD2-Hel2i interface decreases the selectivity from ≈3000 to 150 and 750, respectively. We propose that the CARD2-Hel2i interface is a 'gate' that prevents cellular RNAs from generating productive complexes that can signal. © The Author(s) 2015. Published by Oxford University Press on behalf of Nucleic Acids Research.

  16. 42 CFR 408.65 - Payment options.

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Payment options. 408.65 Section 408.65 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Direct Remittance: Individual Payment § 408.65 Payment options...

  17. 7 CFR 1599.6 - Payments.

    2010-01-01

    ... AGRICULTURE McGOVERN-DOLE INTERNATIONAL FOOD FOR EDUCATION AND CHILD NUTRITION PROGRAM § 1599.6 Payments. (a... payment; the bank ABA number to which payment is to be made; the account number for the deposit at the bank; the participant's taxpayer identification number; and the type of the account into which the...

  18. 7 CFR 1499.6 - Payments.

    2010-01-01

    ... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FOOD FOR PROGRESS PROGRAM § 1499.6 Payments. (a) If the... payment; the bank ABA number to which payment is to be made; the account number for the deposit at the bank; the participant's taxpayer identification number; and the type of the account into which the...

  19. 24 CFR 2002.15 - Advance payments.

    2010-04-01

    ... where the requester has a history of prompt payment of FOIA fees, or require an advance payment of an amount up to the full estimated charges in the case of requesters with no history of payment; or (2) Where a requester has previously failed to pay a fee charged in a timely fashion (i.e., within 30 days...

  20. 14 CFR 1206.704 - Advance payments.

    2010-01-01

    ... where the requester has a history of prompt payment of FOIA fees, or require an advance payment of an amount up to the full estimated charges in the case of requesters with no history of payment; or (2) A requester has previously failed to pay a fee in a timely fashion (within 30 days of billing), then NASA may...

  1. 20 CFR 435.22 - Payment.

    2010-04-01

    ...-Award Requirements Financial and Program Management § 435.22 Payment. (a) Introduction. Payment methods..., and (ii) Financial management systems that meet the standards for fund control and accountability as..., Payment Management System, Rockville, MD 20852. Interest amounts up to $250 per year may be retained by...

  2. 20 CFR 410.501 - Payment periods.

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Payment periods. 410.501 Section 410.501 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL COAL MINE HEALTH AND SAFETY ACT OF 1969, TITLE IV-BLACK LUNG BENEFITS (1969- ) Payment of Benefits § 410.501 Payment periods. Benefits are paid to...

  3. 20 CFR 627.430 - Grant payments.

    2010-04-01

    ... after receipt of a proper request for reimbursement. (e) Working capital advance payments. If a... working capital, the awarding agency may provide cash on a working capital advance payment basis. Under... reimburse the subrecipient for its actual cash disbursements. The working capital advance method of payment...

  4. 7 CFR 920.112 - Late payments.

    2010-01-01

    ... Miscellaneous Provisions § 920.112 Late payments. Pursuant to § 920.41(a), interest will be charged at a 1.5 percent monthly simple interest rate. Assessments for kiwifruit shall be deemed late if not received... late charge will be assessed when payment becomes 30 days late. Interest and late payment charges shall...

  5. 42 CFR 460.182 - Medicaid payment.

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false Medicaid payment. 460.182 Section 460.182 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED...) Payment § 460.182 Medicaid payment. (a) Under a PACE program agreement, the State administering agency...

  6. 45 CFR 34.7 - Payment procedures.

    2010-10-01

    ... whole or part, the claims officer shall prepare and mail a payment voucher to the claimant. (b) This... payment voucher, the claims officer shall sign and forward the signed voucher to the office where the claimant is or was employed for processing. (d) Upon receipt of the signed payment voucher, the office in...

  7. 41 CFR 51-5.7 - Payments.

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Payments. 51-5.7 Section... Payments. Payments for products or services of persons who are blind or have other severe disabilities shall be made within 30 days after shipment or receipt of a proper invoice or voucher. ...

  8. 5 CFR 1655.14 - Loan payments.

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...

  9. 5 CFR 1620.35 - Loan payments.

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...

  10. 47 CFR 27.1186 - Payment issues.

    2010-10-01

    ... 47 Telecommunication 2 2010-10-01 2010-10-01 false Payment issues. 27.1186 Section 27.1186 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES MISCELLANEOUS WIRELESS... Broadband Radio Service Relocation from the 2150-2160/62 Mhz Band § 27.1186 Payment issues. Payment of cost...

  11. Security of payment in Malaysian construction industry: issues on sub-contract's direct payment

    Supardi, Azizan; Adnan, Hamimah

    2011-01-01

    In Malaysia, sub-contractors have to bear with the current structure of payment mechanisms in the standard forms of contract, which are payment upon certification, direct payment from the employer, and contingent or conditional payment. However, „direct payment‟ provision is applied for in most of the nominated sub-contracts and not to the domestic sub-contractors; thus the Construction Industry Payment and Adjudication (CIPA) Act is proposed. This paper, though, is to disclose the findings o...

  12. Medical smart cards: health care access in your pocket.

    Krohn, R W

    2000-01-01

    The wallet-sized medical smart card, embedded with a programmable computer chip, stores and transmits a cardholder's clinical, insurance coverage and biographical information. When fully deployed, smart cards will conduct many functions at the point of care, from claims submission to medical records updates in real time. Ultimately, the smart card will make the individual patient record and all clinical and economic transactions within that patient log as portable, accessible and secure as an ATM account.

  13. Designing minimum data sets of health smart card system

    Mohtaram Nematollahi

    2014-01-01

    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 ...

  14. The design and development of a multilayer RF circuit card

    Ferro, John Francis

    1991-01-01

    The goal of this project was to design an airborne radio frequency circuit card that was very light weight, occupied a small volume, and operated from 20 Mhz to 1500 Mhz. The circuit card being reported on is called an RF multicoupler, and is one of two cards used in a radio frequency distribution unit (RFD). This unit interfaces a large number of receivers to various antennas. In the past this type of circuitry was done by cascading discrete connectorized RF compo...

  15. Modeling intelligent agent beliefs in a card game scenario

    Gołuński, Marcel; Tomanek, Roman; WÄ siewicz, Piotr

    In this paper we explore the problem of intelligent agent beliefs. We model agent beliefs using multimodal logics of belief, KD45(m) system implemented as a directed graph depicting Kripke semantics, precisely. We present a card game engine application which allows multiple agents to connect to a given game session and play the card game. As an example simplified version of popular Saboteur card game is used. Implementation was done in Java language using following libraries and applications: Apache Mina, LWJGL.

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

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

    2006-01-01

    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...

  17. Design and implementation of a smart card based billing system for ...

    A smart card based billing system for petroleum dispenser is just one of the many ways in which smart cards can be employed to make commerce efficient. It incorporates the use of smart card as its legal tender and a smart card reader embedded into the filling station dispenser design. The smart card reader processes the ...

  18. Volume of Requests for Internet Medicare Replacement Cards

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

  19. Impact of Closed-Loop Gift Card Promotions By Businesses

    Kathryn W. Ernstberger

    2013-07-01

    Full Text Available At their inception, gift cards were sold by businesses to customers to give as gifts to others. More recently, gift cards are beingused strategically by businesses to manage and transform their relationships with customers. Of particular interest here is the closed-loop gift card that can only be redeemed at the business whose name is on it. This analysis discusses the impact of closed-loop gift card promotions and evaluates the impact of these promotions ontotal spending, lift and redemption rates.

  20. WWW + smart card: towards a mobile health care management system.

    Chan, A T

    2000-07-01

    This paper highlights the benefits of combining the World Wide Web and smart card technologies to support a highly mobile health management framework. In particular, we describe an approach using the SmartCard-Web Gateway Interface (SGI) as a common interface to communicate and access the medical records residing in a smart card. Importantly, by employing HTTP as the baseline protocol to access information on the smart card, SGI promotes the use of de facto standard web browsers as the common client user interface. The initial implementation of the framework has demonstrated the feasibility of the concept in facilitating a truly mobile access of patient's medical records based on SGI.

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

    Bettiol, A.A.; Udalagama, C.; Watt, F.

    2009-01-01

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

  2. The 5 Clinical Pillars of Value for Total Joint Arthroplasty in a Bundled Payment Paradigm.

    Kim, Kelvin; Iorio, Richard

    2017-06-01

    Our large, urban, tertiary, university-based institution reflects on its 4-year experience with Bundled Payments for Care Improvement. We will describe the importance of 5 clinical pillars that have contributed to the early success of our bundled payment initiative. We are convinced that value-based care delivered through bundled payment initiatives is the best method to optimize patient outcomes while rewarding surgeons and hospitals for adapting to the evolving healthcare reforms. We summarize a number of experiences and lessons learned since the implementation of Bundled Payments for Care Improvement at our institution. Our experience has led to the development of more refined clinical pathways and coordination of care through evidence-based approaches. We have established that the success of the bundled payment program rests on the following 5 main clinical pillars: (1) optimizing patient selection and comorbidities; (2) optimizing care coordination, patient education, shared decision making, and patient expectations; (3) using a multimodal pain management protocol and minimizing narcotic use to facilitate rapid rehabilitation; (4) optimizing blood management, and standardizing venous thromboembolic disease prophylaxis treatment by risk standardizing patients and minimizing the use of aggressive anticoagulation; and (5) minimizing post-acute facility and resource utilization, and maximizing home resources for patient recovery. From our extensive experience with bundled payment models, we have established 5 clinical pillars of value for bundled payments. Our hope is that these principles will help ease the transition to value-based care for less-experienced healthcare systems. Copyright © 2017 Elsevier Inc. All rights reserved.

  3. Bundled payment and enhanced recovery after surgery.

    Huang, Jeffrey

    2015-01-01

    Medicare's fee-for-service (FFS) payment model may contribute to unsustainable spending growth. Payers are turning to alternative payment methods. The leading alternative payment model to the FFS problem is bundled payment. The Centers for Medicare & Medicaid Services (CMS) is taking another step to improve healthcare quality at lower cost. The CMS's Center for Medicare and Medicaid Innovation developed four models of bundled payments and 48 discrete clinical condition episodes. Many surgical care procedures are included in the 48 different clinical condition episodes.

  4. Payment Instruments, Finance and Development

    Beck, T.H.L.; Pamuk, H.; Uras, R.B.; Ramrattan, R.

    2018-01-01

    This paper studies the effects of a payment technology innovation (mobile money) on entrepreneurship and economic development in a quantitative dynamic general equilibrium model. In the model mobile money dominates fiat money as a medium of exchange, since it avoids the risk of theft, but comes with

  5. Payment instruments, finance and development

    Beck, Thorsten; Pamuk, Haki; Ramrattan, Ravindra; Uras, Burak R.

    2018-01-01

    This paper studies the effects of a payment technology innovation (mobile money) on entrepreneurship and economic development in a quantitative dynamic general equilibrium model. In the model mobile money dominates fiat money as a medium of exchange, since it avoids the risk of theft, but comes with

  6. Danish Balance of Payments Support

    Tarp, Finn; Kragh, Mads Váczy

    This study is an analysis of Danish Balance for Payments Support (BOP) covering the period 1988-94. This aid instrument has not so far been used as an active tool to further Danish policy conditionalities vis-à-vis the reform process in developing countries. On the contrary, BOP has mainly been...

  7. Trefethen's index cards forty years of notes about people, words and mathematics

    Trefethen, Lloyd N

    2011-01-01

    This is one book that is unique in structure - a collection of ideas noted on index cards over 4 decades. Acclaimed mathematician Lloyd N Trefethen, Professor of Numerical Analysis at Oxford University, has created an intellectual diary, marking the development of his interests and ideas, from his teenage years to the present. These thoughts signposts, directing us through a mind that applies the same scientific discipline and rigor in everyday life as needed for success in science and academia; informative and entertaining, "Professor Trefethen's Index Cards" is a collage of observations of rare clarity, in subjects ranging from astronomy to family life, and from music to politics. The book will be of interest not only to scientists and mathematicians, the general public interested in discerning how a scientific outlook informs the way we see broader issues in the societies we live in as well.

  8. 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

    林育廷 Yu-Ting Lin

    2006-06-01

    . The cost to be included in calculating the formula should be confined within the related cost of processing and authorizing the transaction, of fraud and of the interest-free period. Furthermore, the regulatory authority should review the setting of the interchange fees regularly and related information should be disclosed to the public in the way that consumers can easily and conveniently access. As to the no-surcharge rule, for consumers, when they purchase with credit cards, they don’t have to bear additional cost, though credit card is among the most expensive payment instruments, but benefit from delayed-payment without interest. On the other hand, the merchants are confronted with the customers’ demand to accept credit card transactions even when VISA and MasterCard charge them high fees for using their services. Nowadays, the merchants don’t have any option but to accept credit card transactions since majority of consumers enjoy the convenience of creditcard payments. Barred by the “no-surcharge” requirement from VISA and MasterCard, will the merchants passively shoulder the high service fee for accepting credit card transaction? Merchants will raise the price of every items slightly just enough to cover their cost without attracting consumers’ complaints. Consequently, the general consumers in the economy bear the credit card transaction cost, resulting in the cross subsidization. By abolishing the no-surcharge rule, merchants have the power to set different rules according to the payment instruments used. With additional fee charged, people will make payment decisions based on the cost and benefit analysis, but not simply using credit card as payment with every transaction. Confronted with downward sloping usage rate, VISA and MasterCard may be motivated to make the credit card scheme more efficient. In long term, the credit card scheme will work in the way that best contributes to the efficiency and competition.

  9. Efficiency at Sorting Cards in Compressed Air

    Poulton, E. C.; Catton, M. J.; Carpenter, A.

    1964-01-01

    At a site where compressed air was being used in the construction of a tunnel, 34 men sorted cards twice, once at normal atmospheric pressure and once at 3½, 2½, or 2 atmospheres absolute pressure. An additional six men sorted cards twice at normal atmospheric pressure. When the task was carried out for the first time, all the groups of men performing at raised pressure were found to yield a reliably greater proportion of very slow responses than the group of men performing at normal pressure. There was reliably more variability in timing at 3½ and 2½ atmospheres absolute than at normal pressure. At 3½ atmospheres absolute the average performance was also reliably slower. When the task was carried out for the second time, exposure to 3½ atmospheres absolute pressure had no reliable effect. Thus compressed air affected performance only while the task was being learnt; it had little effect after practice. No reliable differences were found related to age, to length of experience in compressed air, or to the duration of the exposure to compressed air, which was never less than 10 minutes at 3½ atmospheres absolute pressure. PMID:14180485

  10. The Subject Analysis of Payment Systems Characteristics

    Korobeynikova Olga Mikhaylovna

    2015-09-01

    Full Text Available The article deals with the analysis of payment systems aimed at identifying the categorical terminological apparatus, proving their specific features and revealing the impact of payment systems on the state of money turnover. On the basis of the subject analysis, the author formulates the definitions of a payment system (characterized by increasing speed of effecting payments, by the reduction of costs, by high degree of payments convenience for subjects of transactions, by security of payments, by acceptable level of risks and by social efficiency, a national payment system, and a local payment system (characterized by the growth of economic and social efficiency of systems participants, by the process of money turnover optimization on the basis of saving transaction costs and increasing speed of money flows within the local payment systems. According to the economic levels, the payment systems are divided to macrosystems (national payment systems, mezosystems (payment systems localized on the operational and territorial basis, microsystems (payments by individual economic subjects. The establishment of qualitative features of payment systems, which is a basis of the author’s terminological interpretation, gave a possibility to reveal the cause-effect relations of payment systems influence on the state of money turnover in the involved subjects, and on the economy as a whole. The result of the present research consists in revealing the payment systems influence on the state of money turnover which is significant: at the state and regional level – in the optimization of budget and inter-budgetary relations, in acceleration of the money turnover, in deceleration of the money supply and inflation rate, in reduced need in money emission; at the level of economic entities – in accelerating the money turnover and accounts receivable, in the reduction of debit and credit loans, in the growth of profit (turnover; at the household level – in

  11. Towards testability in smart card operating system design

    Hartel, Pieter H.; Cordonnier, V.; de Jong, Eduard K.; Quisquater, J.J.

    1994-01-01

    The operating system of a smart card is a safety critical system. Distributed in millions, smart cards with their small 8-bit CPU support applications where transferred values are only protected by the strength of a cryptographic protocol. This strength goes no further than the implementation of the

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

    Valente, Andrea

    2004-01-01

    to classes of 10 to 12 years old, and in general to students with a limited mathematical background. Our approach builds on {\\em computational cards} (or c-cards), a project aiming at scaling-down the learning complexity of computer science core contents, by presenting symbol manipulation via a t...

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

    Spinella, Marcello; Lester, David; Yang, Bijou

    2005-06-01

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

  14. Designing minimum data sets of health smart card system

    Mohtaram Nematollahi

    2014-10-01

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

  15. 26 CFR 49.4251-4 - Prepaid telephone cards.

    2010-04-01

    ...; adding value. (i) After using the card described in Example 2, P arranges with A by telephone to have 30... EXCISE TAXES FACILITIES AND SERVICES EXCISE TAXES Communications § 49.4251-4 Prepaid telephone cards. (a... section provides rules for the application of the section 4251 tax to PTCs. (b) Definitions. The following...

  16. Developing efficient blinded attribute certificates on smart cards via pairings

    Batina, L.; Hoepman, J.H.; Jacobs, B.; Mostowski, W.; Vullers, P.

    2010-01-01

    This paper describes an elementary protocol to prove possession of anonymous credentials together with its implementation on smart cards. The protocol uses self-blindable attribute certificates represented as points on an elliptic curve (which are stored on the card). These certificates are verified

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

    Gauron, C.

    2004-01-01

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

  18. 78 FR 17183 - Information Collection: Grey Towers Visitor Comment Card

    2013-03-20

    ... DEPARTMENT OF AGRICULTURE Forest Service Information Collection: Grey Towers Visitor Comment Card... request: (1) An extension from the Office of Management and Budget; and (2) to merge the currently approved information collection 0596- 0222, ``Grey Towers Visitor Comment Card'' with 0596-0226, ``Forest...

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

    Bennett, Jacqueline; Forster, Tabetha

    2010-01-01

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

  20. Franchise Plan. Central Archive for Reusable Defense Software (CARDS)

    1994-02-28

    domain could result in minimal benefits in comparison to the cost). b. Chose a domain analysis method that can take advantage of the well understood...agreement with CARDS that enumer- ates the range and level of services to be provided by CARDS and obtained from the franchisee . 3. shares a model-based

  1. Western North Carolina report card on forest sustainability

    Susan Fox; Bill Jackson; Sarah Jackson; Gary Kauffmann; Mary Carol Koester; Robert Mera; Terry Seyden; Charles Van Sickle; Sealy Chipley; Jim Fox; Jeff Hicks; Matt Hutchins; Karin Lichtenstein; Kelsie Nolan; Todd Pierce; Beth Porter

    2011-01-01

    Western North Carolina encompasses 4.8 million acres of highly valued temperate forests. To help address future management and conservation decisions surrounding these resources, the report card evaluates environmental, social, and economic conditions in recent decades across an 18 county area. The report card describes the status of indicators of forest sustainability...

  2. Biometrics and smart cards combine to offer high security

    Seidman, S.

    1986-01-01

    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

  3. Mathematical card magic fifty-two new effects

    Mulcahy, Colm

    2013-01-01

    Mathematical card effects offer both beginning and experienced magicians an opportunity to entertain with a minimum of props. Featuring mostly original creations, Mathematical Card Magic: Fifty-Two New Effects presents an entertaining look at new mathematically based card tricks. Each chapter contains four card effects, generally starting with simple applications of a particular mathematical principle and ending with more complex ones. Practice a handful of the introductory effects and, in no time, you'll establish your reputation as a "mathemagician." Delve a little deeper into each chapter and the mathematics gets more interesting. The author explains the mathematics as needed in an easy-to-follow way. He also provides additional details, background, and suggestions for further explorations.Suitable for recreational math buffs and amateur card lovers or as a text in a first-year seminar, this color book offers a diverse collection of new mathemagic principles and effects.

  4. Introducing Teamwork Challenges in Simulation Using Game Cards.

    Chang, Todd P; Kwan, Karen Y; Liberman, Danica; Song, Eric; Dao, Eugene H; Chung, Dayun; Morton, Inge; Festekjian, Ara

    2015-08-01

    Poor teamwork and communication during resuscitations are linked to patient safety problems and poorer outcomes. We present a novel simulation-based educational intervention using game cards to introduce challenges in teamwork. This intervention uses sets of game cards that designate roles, limitations, or communication challenges designed to introduce common communication or teamwork problems. Game cards are designed to be applicable for any simulation-based scenario and are independent from patient physiology. In our example, participants were pediatric emergency medicine fellows undergoing simulation training for orientation. We describe the use of card sets in different scenarios with increasing teamwork challenge and difficulty. Both postscenario and summative debriefings were facilitated to allow participants to reflect on their performance and discover ways to apply their strategies to real resuscitations. In this article, we present our experience with the novel use of game cards to modify simulation scenarios to improve communication and teamwork skills.

  5. A Comparison of Card-sorting Analysis Methods

    Nawaz, Ather

    2012-01-01

    This study investigates how the choice of analysis method for card sorting studies affects the suggested information structure for websites. In the card sorting technique, a variety of methods are used to analyse the resulting data. The analysis of card sorting data helps user experience (UX......) designers to discover the patterns in how users make classifications and thus to develop an optimal, user-centred website structure. During analysis, the recurrence of patterns of classification between users influences the resulting website structure. However, the algorithm used in the analysis influences...... the recurrent patterns found and thus has consequences for the resulting website design. This paper draws an attention to the choice of card sorting analysis and techniques and shows how it impacts the results. The research focuses on how the same data for card sorting can lead to different website structures...

  6. Implementing a High-Assurance Smart-Card OS

    Karger, Paul A.; Toll, David C.; Palmer, Elaine R.; McIntosh, Suzanne K.; Weber, Samuel; Edwards, Jonathan W.

    Building a high-assurance, secure operating system for memory constrained systems, such as smart cards, introduces many challenges. The increasing power of smart cards has made their use feasible in applications such as electronic passports, military and public sector identification cards, and cell-phone based financial and entertainment applications. Such applications require a secure environment, which can only be provided with sufficient hardware and a secure operating system. We argue that smart cards pose additional security challenges when compared to traditional computer platforms. We discuss our design for a secure smart card operating system, named Caernarvon, and show that it addresses these challenges, which include secure application download, protection of cryptographic functions from malicious applications, resolution of covert channels, and assurance of both security and data integrity in the face of arbitrary power losses.

  7. Cobacabana (control of balance by card-based navigation) : A card-based system for job shop control

    Land, M.J.

    Existing card-based production control systems such as Kanban are mostly dedicated to repetitive production environments. Cards-based systems for job shop control are lacking, while particularly this industry segment shows a need for simple control systems. This paper aims at filling the gap by

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

    Smith, Temple Day

    2011-01-01

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

  9. 42 CFR 484.205 - Basis of payment.

    2010-10-01

    ... episode payment is subject to the following adjustments and additional payments: (1) A low-utilization... 5, 1997 unless the national 60-day episode payment is subject to a low-utilization payment... payment for initial episodes is paid to an HHA at 60 percent of the case-mix and wage adjusted 60-day...

  10. 5 CFR 9701.361 - Special skills payments.

    2010-01-01

    ... RESOURCES MANAGEMENT SYSTEM Pay and Pay Administration Special Payments § 9701.361 Special skills payments... at the same time as basic pay or in periodic lump-sum payments. Special skills payments are not basic... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Special skills payments. 9701.361 Section...

  11. Abrechnung mobiler Dienste im Mobile-Payment-Referenzmodell

    Pousttchi, Key; Wiedemann, Dietmar Georg

    2005-01-01

    The purpose of the paper is to analyze mobile payments in the mobile commerce scenario. Therefore, we first classify the mobile payment in the mobile commerce scenario by explaining general offer models, charging concepts, and intermediaries. Second, we describe the mobile payment reference model, especially, the mobile payment reference organization model and different mobile payment standard types. Finally, we conclude our findings.

  12. Charging of mobile services by mobile payment reference model

    Pousttchi, Key; Wiedemann, Dietmar Georg

    2005-01-01

    The purpose of the paper is to analyze mobile payments in the mobile commerce scenario. Therefore, we first classify the mobile payment in the mobile commerce scenario by explaining general offer models, charging concepts, and intermediaries. Second, we describe the mobile payment reference model, especially, the mobile payment reference organization model and different mobile payment standard types. Finally, we conclude our findings.

  13. 31 CFR 203.10 - Electronic payment methods.

    2010-07-01

    ... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Electronic payment methods. 203.10... TAX AND LOAN PROGRAM Electronic Federal Tax Payments § 203.10 Electronic payment methods. (a) General. Electronic payment methods for Federal tax payments available under this subpart include ACH debit entries...

  14. Switzerland advances payments to CERN

    2002-01-01

    In the picture, Charles Kleiber (third from left) visits the TI8 tunnel with (left to right) Jean-Luc Baldy, Head of the LHC civil engineering group, Luciano Maiani, CERN Director-General, Jean-Pierre Ruder, Swiss Delegate to CERN Council, Guy Hentsch, Personal adviser to the Director-General, Michel Buchs and Frédéric Chavan, representatives of the firm Prader Losinger. The State Secretary for Science and Research in Switzerland, Charles Kleiber, signed an agreement with CERN last week for an advancement of contributions from his country. The Confédération Helvétique will make an advanced payment of 90 million CHF. There will be no interest involved in this payment and the amount of money will be deducted from Switzerland's ordinary contributions to CERN in later years.

  15. Capital financing in prospective payment.

    Oszustowicz, R J; Dreachslin, J L

    1984-03-01

    In the era of prospective payment, arranging financing for hospital capital projects is expected to become even more complicated than under cost-based reimbursement systems. This article outlines the information needed for a bond issue in the prospective payment environment, defines the roles and duties of several external persons and organizations involved with planning a major capital financing, and provides an overview of the entire process. This article assumes for illustrative purposes that a tax-exempt bond issue is going to be used to finance a facility expansion. This method was chosen since over 70% of all major capital financing for hospitals use the tax-exempt bond as the principal vehicle for attracting the necessary debt to finance a major construction project. The tax-exempt bond issue also requires the most detail in documentation and legal provisions.

  16. Early Lessons on Bundled Payment at an Academic Medical Center.

    Jubelt, Lindsay E; Goldfeld, Keith S; Blecker, Saul B; Chung, Wei-Yi; Bendo, John A; Bosco, Joseph A; Errico, Thomas J; Frempong-Boadu, Anthony K; Iorio, Richard; Slover, James D; Horwitz, Leora I

    2017-09-01

    Orthopaedic care is shifting to alternative payment models. We examined whether New York University Langone Medical Center achieved savings under the Centers for Medicare and Medicaid Services Bundled Payments for Care Improvement initiative. This study was a difference-in-differences study of Medicare fee-for-service patients hospitalized from April 2011 to June 2012 and October 2013 to December 2014 for lower extremity joint arthroplasty, cardiac valve procedures, or spine surgery (intervention groups), or for congestive heart failure, major bowel procedures, medical peripheral vascular disorders, medical noninfectious orthopaedic care, or stroke (control group). We examined total episode costs and costs by service category. We included 2,940 intervention episodes and 1,474 control episodes. Relative to the trend in the control group, lower extremity joint arthroplasty episodes achieved the greatest savings: adjusted average episode cost during the intervention period decreased by $3,017 (95% confidence interval [CI], -$6,066 to $31). For cardiac procedures, the adjusted average episode cost decreased by $2,999 (95% CI, -$8,103 to $2,105), and for spinal fusion, it increased by $8,291 (95% CI, $2,879 to $13,703). Savings were driven predominantly by shifting postdischarge care from inpatient rehabilitation facilities to home. Spinal fusion index admission costs increased because of changes in surgical technique. Under bundled payment, New York University Langone Medical Center decreased total episode costs in patients undergoing lower extremity joint arthroplasty. For patients undergoing cardiac valve procedures, evidence of savings was not as strong, and for patients undergoing spinal fusion, total episode costs increased. For all three conditions, the proportion of patients referred to inpatient rehabilitation facilities upon discharge decreased. These changes were not associated with an increase in index hospital length of stay or readmission rate

  17. The Security Email Based on Smart Card

    Lina, Zhang; Jiang, Meng Hai.

    Email has become one of the most important communication tools in modern internet society, and its security is an important issue that can't be ignored. The security requirements of Email can be summarized as confidentiality, integrity, authentication and non-repudiation. Recently many researches on IBE (identify based encrypt) have been carried out to solve these security problems. However, because of IBE's fatal flaws and great advantages of PKI (Public Key Infrastructure), PKI is found to be still irreplaceable especially in the applications based on smart card. In this paper, a construction of security Email is presented, then the design of relatively cryptography algorithms and the configuration of certificates are elaborated, and finally the security for the proposed system is discussed.

  18. Authentications of Myanmar National Registration Card

    Myint Myint Sein

    2013-04-01

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

  19. Superstrumps: the Card Game with a Mission

    Syd Moore

    2016-02-01

    Full Text Available The artist interview in this dossier is an example of collaborative work between an artist and a writer. It is a showcase of how popular culture can be re-appropriated. The interviewees are the co-creators of the card game Superstrumps developed to address the issue of stereotyping of women. In the interview, they recount the process of creating the game involving other women from their local community. This exemplifies how a strategy for resisting and reclaiming identities undermined by negative labelling is developed. Their views are strongly shaped by their feminist principles. The interview acknowledges the complex nature of identities, the challenge of media representation and the symbiotic relationship between media and audiences is revealed.

  20. Improved catalyzed reporter deposition, iCARD.

    Lohse, Jesper; Petersen, Kenneth Heesche; Woller, Nina Claire; Pedersen, Hans Christian; Skladtchikova, Galina; Jørgensen, Rikke Malene

    2014-06-18

    Novel reporters have been synthesized with extended hydrophilic linkers that in combination with polymerizing cross-linkers result in very efficient reporter deposition. By utilizing antibodies to stain HER2 proteins in a cell line model it is demonstrated that the method is highly specific and sensitive with virtually no background. The detection of HER2 proteins in tissue was used to visualize individual antigens as small dots visible in a microscope. Image analysis-assisted counting of fluorescent or colored dots allowed assessment of relative protein levels in tissue. Taken together, we have developed novel reporters that improve the CARD method allowing highly sensitive in situ detection of proteins in tissue. Our findings suggest that in situ protein quantification in biological samples can be performed by object recognition and enumeration of dots, rather than intensity-based fluorescent or colorimetric assays.