The Regulation of the Credit Card Market in Turkey

OpenAIRE

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...

RENEWAL OF CRIMINAL LAW AGAINST ABUSE OF CREDIT CARDS

Directory of Open Access Journals (Sweden)

Eka Nugraha

2015-07-01

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

Credit Card Attitudes and Behaviors of College Students

Science.gov (United States)

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

2005-01-01

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

Indian Kisan Credit Card Scheme: An Analytical Study

Directory of Open Access Journals (Sweden)

Dharmendra Mehta

2016-03-01

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

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

Directory of Open Access Journals (Sweden)

Aizzat Mohd. Nasurdin

2002-01-01

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

Consumer Credit Card Use Intention and Influence Factors Analysis

Directory of Open Access Journals (Sweden)

Wang Yantao

2017-01-01

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

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

Directory of Open Access Journals (Sweden)

Nor Asiah Omar

2014-02-01

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

An Anonymous Credit Card System

Science.gov (United States)

Androulaki, Elli; Bellovin, Steven

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

War of the Credit Cards.

Science.gov (United States)

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)

Vulnerabilities in First-Generation RFID-enabled Credit Cards

Science.gov (United States)

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

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

Consumer susceptibility to credit card misuse and indebtedness

OpenAIRE

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...

Overcoming credit card fraud in South Africa

African Journals Online (AJOL)

A credit card is a convenient method of payment, but it does carry risks. The enormous ... Identity theft and the exponential ... Unique Security Features of a Credit Card with the Aim of Identifying ..... technology in an attempt to try and curb the.

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

Science.gov (United States)

Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

2010-04-01

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

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

OpenAIRE

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

2014-01-01

Purpose: This study aims to examine the factors that influence credit card misuse among working adults in Klang Valley, Malaysia. The relationship among self-esteem, materialism, impulsive buying, budget constraint, compulsive buying and credit card misuse are explored in this study. Design/methodology/approach: A total of 186 questionnaires was collected via convenience sampling from credit card users of working adults in Malaysia. A structural equation model that assesses the relationship b...

25 CFR 11.422 - Unauthorized use of credit cards.

Science.gov (United States)

2010-04-01

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

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

Science.gov (United States)

Smith, Temple Day

2011-01-01

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

College Student Performance and Credit Card Usage.

Science.gov (United States)

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

2001-01-01

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

The cost of anchoring on credit-card minimum repayments

OpenAIRE

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...

77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

Science.gov (United States)

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...

77 FR 75410 - Request for Information Regarding Credit Card Market

Science.gov (United States)

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...

Analysis of Transaction Authorization for Credit Card Master Card Holders

OpenAIRE

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 ...

Credit Cards: What You Don't Know Can Cost You!

Science.gov (United States)

Detweiler, Gerri

1993-01-01

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

Predicting credit card behavior: a study in neuroeconomics.

Science.gov (United States)

Spinella, Marcello; Lester, David; Yang, Bijou

2005-06-01

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

Factors Affecting the Behavior of University Community to Use Credit Card

Directory of Open Access Journals (Sweden)

Maya Sari

2011-12-01

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

Attitudes of Consumers Towards Islamic and Conventional Credit Cards in Indonesia

Directory of Open Access Journals (Sweden)

Sylva Alif Rusmita

2017-07-01

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

A credit card verifier structure using diffraction and spectroscopy concepts

Science.gov (United States)

Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

2008-04-01

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

Credit Card Risk Behavior on College Campuses: Evidence from Brazil

Directory of Open Access Journals (Sweden)

Wesley Mendes-da-Silva

2012-07-01

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

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

Science.gov (United States)

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

2003-06-01

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

Changes in alcohol consumption patterns following the introduction of credit cards in Ontario liquor stores.

Science.gov (United States)

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

1999-05-01

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

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

Directory of Open Access Journals (Sweden)

Sam Allgood

2013-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

Wang, Yu-Min

2008-12-01

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

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

Directory of Open Access Journals (Sweden)

Gary R. Mottola

2013-07-01

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

Precautionary Borrowing and the Credit Card Debt Puzzle

DEFF Research Database (Denmark)

Druedahl, Jeppe; Jørgensen, Casper Nordal

2015-01-01

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

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

Directory of Open Access Journals (Sweden)

ERKAN OKTAY

2013-06-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

OpenAIRE

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

2008-01-01

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

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

OpenAIRE

Olivier André

2009-01-01

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

Neural fraud detection in credit card operations.

Science.gov (United States)

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

1997-01-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

Variables Influencing Credit Card Balances of Students at a Midwestern University

Science.gov (United States)

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

2004-01-01

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

Usage of Credit Cards Received through College Student-Marketing Programs

Science.gov (United States)

Barron, John M.; Staten, Michael E.

2004-01-01

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

Mobile Payment Technology and Competitiveness In the Credit Card Chain

OpenAIRE

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.

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

Science.gov (United States)

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

2016-01-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

Kidwell, Blair; Turrisi, Robert

2000-01-01

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

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

OpenAIRE

Zhu Wang

2008-01-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

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...

BEHAVIOR BASED CREDIT CARD FRAUD DETECTION USING SUPPORT VECTOR MACHINES

Directory of Open Access Journals (Sweden)

V. Dheepa

2012-07-01

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

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

Science.gov (United States)

D'Agostino, Davi M.

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

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

Science.gov (United States)

Manning, Robert D.; Kirshak, Ray

2005-01-01

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

College Student Credit Card Usage and Debt.

Science.gov (United States)

Rybka, Kathryn M.

2001-01-01

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

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

African Journals Online (AJOL)

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.

A Hybrid Data Mining Approach for Credit Card Usage Behavior Analysis

Science.gov (United States)

Tsai, Chieh-Yuan

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

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

Science.gov (United States)

Holub, Tamara

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

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

Science.gov (United States)

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

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

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

Science.gov (United States)

McCall, Michael; Trombetta, Jessica; Gipe, Aimee

2004-08-01

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

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

Science.gov (United States)

Field, Kelly

2009-01-01

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

An Investigation into Credit Card Debt among College Students

Science.gov (United States)

Williams, Dylan; Waterwall, Brian; Giardelli, Tiffany

2008-01-01

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

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

Science.gov (United States)

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

2001-01-01

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

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

DEFF Research Database (Denmark)

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

2015-01-01

. We study 3 months of credit card records for 1.1 million people and show that four spatiotemporal points are enough to uniquely reidentify 90% of individuals. We show that knowing the price of a transaction increases the risk of reidentification by 22%, on average. Finally, we show that even data...... sets that provide coarse information at any or all of the dimensions provide little anonymity and that women are more reidentifiable than men in credit card metadata....

An Application of Robust Method in Multiple Linear Regression Model toward Credit Card Debt

Science.gov (United States)

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

2018-04-01

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

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

Science.gov (United States)

Spangenberg, Eric R

2005-08-01

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

The Relationship between Credit Card Use Behavior and Household Well-Being during the Great Recession: Implications for the Ethics of Credit Use

Science.gov (United States)

Hunter, Jennifer L.; Heath, Claudia J.

2017-01-01

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

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

CSIR Research Space (South Africa)

Von Solms, S

2015-08-01

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

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

Science.gov (United States)

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

1994-07-01

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

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

Science.gov (United States)

St. Pierre, Eileen; Shreffler, Karina

2013-01-01

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

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

Science.gov (United States)

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

2013-01-01

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

An Analysis of the Credit Card Program Using Process Innovation

National Research Council Canada - National Science Library

Braney, Ronald

1999-01-01

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

Credit card fraud detection using neural network and geolocation

Science.gov (United States)

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

2017-11-01

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

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

Science.gov (United States)

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

2006-08-19

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

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

Science.gov (United States)

2010-07-01

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

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

Science.gov (United States)

2010-04-01

... 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...

DATA MINING APPLICATION IN CREDIT CARD FRAUD DETECTION SYSTEM

Directory of Open Access Journals (Sweden)

FRANCISCA NONYELUM OGWUELEKA

2011-06-01

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

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

African Journals Online (AJOL)

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

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

Directory of Open Access Journals (Sweden)

Antonius Maria Laot Kian

2015-04-01

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

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

Science.gov (United States)

Robb, Cliff A.; Sharpe, Deanna L.

2009-01-01

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

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

Science.gov (United States)

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

1999-01-01

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

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

Science.gov (United States)

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

2017-03-01

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

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

Science.gov (United States)

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

2008-01-01

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

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

Science.gov (United States)

Watson, Stevie

2009-01-01

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

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

Science.gov (United States)

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

1996-05-01

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

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

Science.gov (United States)

Oleson, Mark

2001-01-01

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

Loss given default models incorporating macroeconomic variables for credit cards

OpenAIRE

Crook, J.; Bellotti, T.

2012-01-01

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

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

Science.gov (United States)

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

2015-01-30

Large-scale data sets of human behavior have the potential to fundamentally transform the way we fight diseases, design cities, or perform research. Metadata, however, contain sensitive information. Understanding the privacy of these data sets is key to their broad use and, ultimately, their impact. We study 3 months of credit card records for 1.1 million people and show that four spatiotemporal points are enough to uniquely reidentify 90% of individuals. We show that knowing the price of a transaction increases the risk of reidentification by 22%, on average. Finally, we show that even data sets that provide coarse information at any or all of the dimensions provide little anonymity and that women are more reidentifiable than men in credit card metadata. Copyright © 2015, American Association for the Advancement of Science.

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

Science.gov (United States)

Fagerstrom, Asle; Hantula, Donald A.

2013-01-01

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

Rule extraction from minimal neural networks for credit card screening.

Science.gov (United States)

Setiono, Rudy; Baesens, Bart; Mues, Christophe

2011-08-01

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

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

Science.gov (United States)

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

2015-01-01

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

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

Directory of Open Access Journals (Sweden)

K. R. Seeja

2014-01-01

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

FraudMiner: a novel credit card fraud detection model based on frequent itemset mining.

Science.gov (United States)

Seeja, K R; Zareapoor, Masoumeh

2014-01-01

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

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

OpenAIRE

Elizondo, Alan; Seira, Enrique

2014-01-01

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

A smart card based student card system

OpenAIRE

2009-01-01

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

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

Science.gov (United States)

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

2006-01-01

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

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

Directory of Open Access Journals (Sweden)

林育廷 Yu-Ting Lin

2006-06-01

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

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

Science.gov (United States)

Williams, Rebecca S; Ribisl, Kurt M

2014-02-01

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

REMINDER PERIOD OF VALIDITY OF CERN (ACCESS) CARDS

CERN Multimedia

Relations with the Host States Service

2002-01-01

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

Playing the Smart Card.

Science.gov (United States)

Zuzack, Christine A.

1997-01-01

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

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

Science.gov (United States)

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

2017-09-14

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

Using multi-state markov models to identify credit card risk

Directory of Open Access Journals (Sweden)

Daniel Evangelista Régis

2016-06-01

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

REMINDER - PERIOD OF VALIDITY OF CERN (ACCESS) CARDS

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Relations with the Host States Service

2003-01-01

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

REMINDER PERIOD OF VALIDITY OF CERN (ACCESS) CARDS

CERN Multimedia

Relations with the Host States Service

2002-01-01

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

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

OpenAIRE

Fabio M. Manenti; Ernesto Somma

2002-01-01

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

Development, Validation and Summative Evaluation of Card Pairing Games for Selected Math 8 Topics

Directory of Open Access Journals (Sweden)

Ronald O. Ocampo

2015-12-01

Full Text Available Traditional classroom situation where students are taught predominantly of lecture-discussion method put the classroom in a mathophobic atmosphere. Oftentimes, students exposed to this classroom atmosphere lead to math anxiety and eventually hate the subject and the teacher. Addressing this, varied interactive strategies to create an atmosphere of discourse has been developed and promoted. The use of instructional games has been viewed as one strategy that promotes active learning inside the classroom. Instructional games support constructivist learning and social learning. This study is aimed at developing, validating and evaluating card pairing games for specific topics in Math 8. The Research and Development model ( R& D was used. The card pairing games was validated by subject experts and experts in developing games. In evaluating the card pairing games, the Quasi-Experimental Pretest-Posttest design was used. There are six card pairing games developed for specific topics in Math 8; the card pairing game is highly valid based on the result of the validation; Students exposed to card pairing game become more intact (homogeneous; Students exposed to card games enhance academic performance. It is recommended to test the effectiveness of card pairing games to other group of students; Encourage math teachers to use the developed math card pairing games for classroom instruction; Develop other card pairing game for specific topics in math.

Payment card rewards programs and consumer payment choice

OpenAIRE

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...

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

Science.gov (United States)

Anderson, Carla; Card, Karen

2015-01-01

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

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

Science.gov (United States)

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

2015-12-01

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

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

Directory of Open Access Journals (Sweden)

Nevin UZGÖREN

2007-01-01

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

Isotopic and criticality validation for actinide-only burnup credit

International Nuclear Information System (INIS)

Fuentes, E.; Lancaster, D.; Rahimi, M.

1997-01-01

The techniques used for actinide-only burnup credit isotopic validation and criticality validation are presented and discussed. Trending analyses have been incorporated into both methodologies, requiring biases and uncertainties to be treated as a function of the trending parameters. The isotopic validation is demonstrated using the SAS2H module of SCALE 4.2, with the 27BURNUPLIB cross section library; correction factors are presented for each of the actinides in the burnup credit methodology. For the criticality validation, the demonstration is performed with the CSAS module of SCALE 4.2 and the 27BURNUPLIB, resulting in a validated upper safety limit

Implementing Smart Cards into the Air Force Reserve

National Research Council Canada - National Science Library

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...

Implementing Smart Cards into the Air Force Reserve

National Research Council Canada - National Science Library

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...

Consumer credit card use: the roles of creditor disclosure and anticipated emotion.

Science.gov (United States)

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

2007-03-01

In response to federal legislative reform aimed, in part, at reducing consumer bankruptcy filings, the authors conducted 2 experiments examining the role of affect in purchasing behavior. In Experiment 1, they examined consumer debtors, and in Experiment 2, they examined nondebtors. In both experiments, they investigated purchasing decisions made during a simulated online shopping trip, with some participants receiving standard disclosures of interest rates and money owed and with other participants receiving information under the new enhanced disclosure regulations. Results demonstrated support for the influence of anticipated affect in credit card use among both debtors and nondebtors and indicated that anticipated emotion may moderate the impact of the enhanced disclosure regulations. ((c) 2007 APA, all rights reserved).

BHI Purchase Card System user's guide

International Nuclear Information System (INIS)

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 CFR 561.12 - Consumer credit.

Science.gov (United States)

2010-01-01

...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

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

CERN Multimedia

2013-01-01

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

Health smart cards: merging technology and medical information.

Science.gov (United States)

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.

Imaging standards for smart cards

Science.gov (United States)

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.

CLUB FORMATION MECHANISM FOR TRANSPORT-COMMUNITY CREDIT CARDS

Science.gov (United States)

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

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

CHIS – New insurance cards and phone numbers valid from 1 January 2015

CERN Document Server

HR Department

2014-01-01

New health insurance cards will be posted to CHIS members by mid-December. The new cards are valid from 1 January 2015 and will no longer indicate an end date. You may use the card as long as you are member; if lost, a new card will be delivered on request. From 1 January 2015, please use the telephone numbers printed on your new insurance card: +41 (0)22 718 63 00 for UNIQA’s Head Office, available during office hours +41 (0)22 819 44 77 for UNIQA medical assistance and telemedicine, available 24/7 +1 844 477 0777 in the event of hospitalisation in the USA, available 24/7   Further information on the new services (UNIQA assistance and telemedicine) is available in the CHIS Bulletin 39, which you will receive at your home address during the second half of December. Please note that from 1 January 2015: You should not call the emergency number 24/24 on your old insurance card, as this service will be discontinued. You no longer need to obtain a separate insurance card from Meds...

A validated methodology for evaluating burnup credit in spent fuel casks

International Nuclear Information System (INIS)

Brady, M.C.; Sanders, T.L.

1991-01-01

The concept of allowing reactivity credit for the transmuted state of spent fuel offers both economic and risk incentives. This paper presents a general overview of the technical work being performed in support of the US Department of Energy (DOE) program to resolve issues related to the implementation of burnup credit. An analysis methodology is presented along with information representing the validation of the method against available experimental data. The experimental data that are applicable to burnup credit include chemical assay data for the validation of the isotopic prediction models, fresh fuel critical experiments for the validation of criticality calculations for various casks geometries, and reactor restart critical data to validate criticality calculations with spent fuel. The methodology has been specifically developed to be simple and generally applicable, therefore giving rise to uncertainties or sensitivities which are identified and quantified in terms of a percent bias in k eff . Implementation issues affecting licensing requirements and operational procedures are discussed briefly

A validated methodology for evaluating burnup credit in spent fuel casks

International Nuclear Information System (INIS)

Brady, M.C.; Sanders, T.L.

1991-01-01

The concept of allowing reactivity credit for the transmuted state of spent fuel offers both economic and risk incentives. This paper presents a general overview of the technical work being performed in support of the U.S. Department of Energy (DOE) program to resolve issues related to the implementation of burnup credit. An analysis methodology is presented along with information representing the validation of the method against available experimental data. The experimental data that are applicable to burnup credit include chemical assay data for the validation of the isotopic prediction models, fresh fuel critical experiments for the validation of criticality calculations for various cask geometries, and reactor restart critical data to validate criticality calculations with spent fuel. The methodology has been specifically developed to be simple and generally applicable, therefore giving rise to uncertainties or sensitivities which are identified and quantified in terms of a percent bias in k eff . Implementation issues affecting licensing requirements and operational procedures are discussed briefly. (Author)

A validated methodology for evaluating burnup credit in spent fuel casks

International Nuclear Information System (INIS)

Brady, M.C.; Sanders, T.L.

1991-01-01

The concept of allowing reactivity credit for the transmuted state of spent fuel offers both economic and risk incentives. This paper presents a general overview of the technical work being performed in support of the US Department of Energy (DOE) program to resolve issues related to the implementation of burnup credit. An analysis methodology is presented along with information representing the validation of the method against available experimental data. The experimental data that are applicable to burnup credit include chemical assay data for the validation of the isotopic prediction models, fresh fuel critical experiments for the validation of criticality calculations for various cask geometries, and reactor restart critical data to validate criticality calculations with spent fuel. The methodology has been specifically developed to be simple and generally applicable, therefore giving rise to uncertainties or sensitivities which are identified and quantified in terms of a percent bias in k eff . Implementation issues affecting licensing requirements and operational procedures are discussed briefly. 24 refs., 3 tabs

Validation of SCALE-4 for burnup credit applications

International Nuclear Information System (INIS)

Bowman, S.M.; DeHart, M.D.; Parks, C.V.

1995-01-01

In the past, a criticality analysis of PWR fuel stored in racks and casks has assumed that the fuel is fresh with the maximum allowable initial enrichment. If credit is allowed for fuel burnup in the design of casks that are used in the transport of spent light water reactor fuel to a repository, the increase in payload can lead to a significant reduction in the cost of transport and a potential reduction in the risk to the public. A portion of the work has been performed at ORNL in support of the US DOE efforts to demonstrate a validation approach for criticality safety methods to be used in burnup credit cask design. To date, the SCALE code system developed at ORNL has been the primary computational tool used by DOE to investigate technical issues related to burnup credit. The ANSI/ANS-8.1 criticality safety standard requires validation and benchmarking of the calculational methods used in evaluating criticality safety limits for applications outside reactors by correlation against critical experiments that are applicable. Numerous critical experiments for fresh PWR-type fuel in storage and transport configurations exist and can be used as part of a validation database. However, there are no critical experiments with burned PWR-type fuel in storage and transport configurations. As an alternative, commercial reactors offer an excellent source of measured critical configurations. The results reported demonstrate the ability of the ORNL SCALE-4 methodology to predict a value of k eff very close to the known value of 1.0, both for fresh fuel criticals and for the more complex reactor criticals. Beyond these results, additional work in the determination of biases and uncertainties is necessary prior to use in burnup credit applications

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

NARCIS (Netherlands)

Cheng, X.; Degryse, H.A.

2010-01-01

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

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

OpenAIRE

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

Optical smart card using semipassive communication.

Science.gov (United States)

Glaser, I; Green, Shlomo; Dimkov, Ilan

2006-03-15

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

Validation issues for depletion and criticality analysis in burnup credit

International Nuclear Information System (INIS)

Parks, C.V.; Broadhead, B.L.; Dehart, M.D.; Gauld, I.C.

2001-01-01

This paper reviews validation issues associated with implementation of burnup credit in transport, dry storage, and disposal. The issues discussed are ones that have been identified by one or more constituents of the United States technical community (national laboratories, licensees, and regulators) that have been exploring the use of burnup credit. There is not necessarily agreement on the importance of the various issues, which sometimes is what creates the issue. The broad issues relate to the paucity of available experimental data (radiochemical assays and critical experiments) covering the full range and characteristics of spent nuclear fuel in away-from-reactor systems. The paper will also introduce recent efforts initiated at Oak Ridge National Laboratory (ORNL) to provide technical information that can help better assess the value of different experiments. The focus of the paper is on experience with validation issues related to use of burnup credit for transport and dry storage applications. (author)

Looking at Debit and Credit Card Fraud

Science.gov (United States)

Porkess, Roger; Mason, Stephen

2012-01-01

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

A validated methodology for evaluating burn-up credit in spent fuel casks

International Nuclear Information System (INIS)

Brady, M.C.; Sanders, T.L.

1992-01-01

The concept of allowing reactivity credit for the transmuted state of spent fuel offers both economic and risk incentives. This paper presents a general overview of the technical work being performed in support of the US Department of Energy (USDOE) programme to resolve issues related to the implementation of burn-up credit in spent fuel cask design. An analysis methodology is presented along with information representing the validation of the method against available experimental data. The experimental data that are applicable to burn-up credit include chemical assay data for the validation of the isotopic prediction models, fresh fuel critical experiments for the validation of criticality calculations for various cask geometries, and reactor re-start critical data to validate criticality calculations with spent fuel. The methodology has been specifically developed to be simple and generally applicable, therefore giving rise to uncertainties or sensitivities which are identified and quantified in terms of a percent bias effective multiplication (k eff ). Implementation issues affecting licensing requirements and operational procedures are discussed briefly. (Author)

Application of smart cards in physical and information security systems

International Nuclear Information System (INIS)

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

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

NARCIS (Netherlands)

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

Introduction of card payment system in a merchant company

OpenAIRE

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...

Optical Verification Laboratory Demonstration System for High Security Identification Cards

Science.gov (United States)

Javidi, Bahram

1997-01-01

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

New Optical Card for Sneaker’s Network in Place of Electronic Clinical Record

Science.gov (United States)

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

2006-02-01

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

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

Science.gov (United States)

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

2006-04-15

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

A study of smart card for radiation exposure history of patient.

Science.gov (United States)

Rehani, Madan M; Kushi, Joseph F

2013-04-01

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

12 CFR 227.26 - Unfair charging of security deposits and fees for the issuance or availability of credit to...

Science.gov (United States)

2010-01-01

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

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

OpenAIRE

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...

The Effects of Credit Status on College Attainment and College Completion

OpenAIRE

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

2012-01-01

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

Biometrics and smart cards combine to offer high security

International Nuclear Information System (INIS)

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

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

OpenAIRE

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...

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

Directory of Open Access Journals (Sweden)

Eka Nugraha

2015-08-01

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

Validating analysis methodologies used in burnup credit criticality calculations

International Nuclear Information System (INIS)

Brady, M.C.; Napolitano, D.G.

1992-01-01

The concept of allowing reactivity credit for the depleted (or burned) state of pressurized water reactor fuel in the licensing of spent fuel facilities introduces a new challenge to members of the nuclear criticality community. The primary difference in this analysis approach is the technical ability to calculate spent fuel compositions (or inventories) and to predict their effect on the system multiplication factor. Isotopic prediction codes are used routinely for in-core physics calculations and the prediction of radiation source terms for both thermal and shielding analyses, but represent an innovation for criticality specialists. This paper discusses two methodologies currently being developed to specifically evaluate isotopic composition and reactivity for the burnup credit concept. A comprehensive approach to benchmarking and validating the methods is also presented. This approach involves the analysis of commercial reactor critical data, fuel storage critical experiments, chemical assay isotopic data, and numerical benchmark calculations

The Development and Structure of Consumer Credit in Japan

Science.gov (United States)

1989-06-01

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

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

Science.gov (United States)

Hodson, Randy; Dwyer, Rachel; Neilson, Lisa

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Mohammad Reza Taghva

2016-10-01

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

Loyalty program of payment cards, solution based on DWH

OpenAIRE

Jersák, Pavel

2010-01-01

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

PROSEDUR PERMOHONAN SHAR-E CARD PADABANK MUAMALAT

Directory of Open Access Journals (Sweden)

Aprilianti Aprilianti

2015-11-01

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

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

Science.gov (United States)

Adams, Troy; Moore, Monique

2007-01-01

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

Spanish translation and validation of the Preschool Activity Card Sort.

Science.gov (United States)

Stoffel, Ashley; Berg, Christine

2008-05-01

Few standardized assessments exist for children living in the United States who are Hispanic/Latino. This study reports the Spanish translation process for the Preschool Activity Card Sort (PACS), which is a measure of participation in preschool children, and examines content, construct, and concurrent validity. Methods of verifying accuracy of translation included expert review and back translation and supported content validity of the Tarjetas de Actividades Preescolares (TAP). Subsequently, a sample of 37 parents of children between 3 and 6 years of age completed the PACS/TAP by structured interview. Twenty-six parents were Spanish speaking, and 11 were English speaking. A comparison of reported participation by Spanish- and English-speaking children provides initial construct validity of the TAP. Results indicate that the TAP differentiates among children of recent immigrants as compared to preschoolers who were born in the United States on domains of self-care, high and low demand leisure, and educational activities. Results emphasize the importance of considering sociocultural influences when assessing participation. PACS/TAP scores were moderately correlated with Pediatric Evaluation of Disability Inventory scores for the self-care domain, but did not correlate with the mobility or social function domains. The PACS/TAP appears to provide a useful means of understanding preschoolers' participation. Future research is needed to further establish the validity of this assessment.

THE BASIS OF THE MARKET REGULATION OF PAYMENT CARDS

Directory of Open Access Journals (Sweden)

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.

Development Of The Drexler Optical-Card Reader/Writer System

Science.gov (United States)

Pierce, Gerald A.

1988-06-01

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

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

Energy Technology Data Exchange (ETDEWEB)

NONE

2000-01-10

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

Data card system for filmless radiography

International Nuclear Information System (INIS)

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

The Learning Credit Card: A Tool for Managing Personal Development

Science.gov (United States)

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

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

Meltem Gulenay Chadwick

2018-06-01

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

Designing minimum data sets of health smart card system

Directory of Open Access Journals (Sweden)

Mohtaram Nematollahi

2014-10-01

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

Reminder: Swiss and French cards

CERN Multimedia

2012-01-01

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

Swiss and French cards - Reminder

CERN Multimedia

HR Department

2011-01-01

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

CARDS MARKET – A RESISTANT MARKET TO CRISIS

Directory of Open Access Journals (Sweden)

Tudose Geanina - Gabriela

2012-07-01

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

The Smart Card concept applied to access control

International Nuclear Information System (INIS)

Seidman, S.

1986-01-01

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

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

National Research Council Canada - National Science Library

2002-01-01

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

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

OpenAIRE

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

2014-01-01

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

Credit. 1991-92 NCCE/AT&T Projects. Consumer Education Programs.

Science.gov (United States)

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

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

Enhanced rearrangement technique for secure data transmission: case study credit card process

Science.gov (United States)

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

2017-11-01

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

A Soft Intelligent Risk Evaluation Model for Credit Scoring Classification

Directory of Open Access Journals (Sweden)

Mehdi Khashei

2015-09-01

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

ATM Card Cloning and Ethical Considerations.

Science.gov (United States)

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.

Smart Cards and Card Operating Systems

NARCIS (Netherlands)

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

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

Patient health record on a smart card.

Science.gov (United States)

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.

Validation Techniques of the Intern Models for Credit Risk

Directory of Open Access Journals (Sweden)

Bogdan Moinescu

2006-11-01

Full Text Available The new own funds adequacy device, officialy named “ International Convergence of Capital Measurement and Capital Standards”, describes the most important benchmark framework for micro-prudential supervision at the moment. The publication of the final text in June 2004, after five years of deliberations, represents the result of multiple analyses and comments provided by all interested parties, banking supervision authorities, associations and credit institutions. Provided the development of complex methodologies of risk measurement and management, on a large scale, by credit institutions, simple and static rules of the first accord have become less and less relevant during the last years. And so, the need of setting up a own funds adequacy framework which is much more risk sensitive and provides incentives to credit institutions on what concerns the improvement of risk measurement and management systems was met by approval of the Basel II Accord, which will, therefore, lead to the strengthening of financial stability. The revisal of the Accord was mainly focused on the increase of risk analysis and internal measurement and the changes made to their estimation allow banks to create their own methodological framework to calculate capital requirements (also considering each credit institution’ risk appetite.

From EuCARD to EuCARD-2

CERN Multimedia

Chaudron, M

2013-01-01

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

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

Directory of Open Access Journals (Sweden)

Lam Tak Ming

2011-02-01

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

Development of Chemistry Game Card as an Instructional Media in the Subject of Naming Chemical Compound in Grade X

Science.gov (United States)

Bayharti; Iswendi, I.; Arifin, M. N.

2018-04-01

The purpose of this research was to produce a chemistry game card as an instructional media in the subject of naming chemical compounds and determine the degree of validity and practicality of instructional media produced. Type of this research was Research and Development (R&D) that produced a product. The development model used was4-D model which comprises four stages incuding: (1) define, (2) design, (3) develop, and (4) disseminate. This research was restricted at the development stage. Chemistry game card developed was validated by seven validators and practicality was tested to class X6 students of SMAN 5 Padang. Instrument of this research is questionnair that consist of validity sheet and practicality sheet. Technique in collection data was done by distributing questionnaire to the validators, chemistry teachers, and students. The data were analyzed by using formula Cohen’s Kappa. Based on data analysis, validity of chemistry game card was0.87 with category highly valid and practicality of chemistry game card was 0.91 with category highly practice.

Payment Cards

Directory of Open Access Journals (Sweden)

Kantnerová Liběna

2016-09-01

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

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

Science.gov (United States)

2011-10-28

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

An Association Rule Based Method to Integrate Metro-Public Bicycle Smart Card Data for Trip Chain Analysis

Directory of Open Access Journals (Sweden)

De Zhao

2018-01-01

Full Text Available Smart card data provide valuable insights and massive samples for enhancing the understanding of transfer behavior between metro and public bicycle. However, smart cards for metro and public bicycle are often issued and managed by independent companies and this results in the same commuter having different identity tags in the metro and public bicycle smart card systems. The primary objective of this study is to develop a data fusion methodology for matching metro and public bicycle smart cards for the same commuter using historical smart card data. A novel method with association rules to match the data derived from the two systems is proposed and validation was performed. The results showed that our proposed method successfully matched 573 pairs of smart cards with an accuracy of 100%. We also validated the association rules method through visualization of individual metro and public bicycle trips. Based on the matched cards, interesting findings of metro-bicycle transfer have been derived, including the spatial pattern of the public bicycle as first/last mile solution as well as the duration of a metro trip chain.

Laminated dosimetric card

International Nuclear Information System (INIS)

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)

FRENCH PROTOCOL CARDS

CERN Multimedia

Human Resources Division

2000-01-01

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

FRENCH PROTOCOL CARDS

CERN Multimedia

Division du Personnel

1999-01-01

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

Validation of Marek's disease diagnosis and monitoring of Marek's disease vaccines from samples collected in FTA cards.

Science.gov (United States)

Cortes, Aneg L; Montiel, Enrique R; Gimeno, Isabel M

2009-12-01

The use of Flinders Technology Associates (FTA) filter cards to quantify Marek's disease virus (MDV) DNA for the diagnosis of Marek's disease (MD) and to monitor MD vaccines was evaluated. Samples of blood (43), solid tumors (14), and feather pulp (FP; 36) collected fresh and in FTA cards were analyzed. MDV DNA load was quantified by real-time PCR. Threshold cycle (Ct) ratios were calculated for each sample by dividing the Ct value of the internal control gene (glyceraldehyde-3-phosphate dehydrogenase) by the Ct value of the MDV gene. Statistically significant correlation (P FTA cards by using Pearson's correlation test. Load of serotype 1 MDV DNA was quantified in 24 FP, 14 solid tumor, and 43 blood samples. There was a statistically significant correlation between FP (r = 0.95), solid tumor (r = 0.94), and blood (r = 0.9) samples collected fresh and in FTA cards. Load of serotype 2 MDV DNA was quantified in 17 FP samples, and the correlation between samples collected fresh and in FTA cards was also statistically significant (Pearson's coefficient, r = 0.96); load of serotype 3 MDV DNA was quantified in 36 FP samples, and correlation between samples taken fresh and in FTA cards was also statistically significant (r = 0.84). MDV DNA samples extracted 3 days (t0) and 8 months after collection (t1) were used to evaluate the stability of MDV DNA in archived samples collected in FTA cards. A statistically significant correlation was found for serotype 1 (r = 0.96), serotype 2 (r = 1), and serotype 3 (r = 0.9). The results show that FTA cards are an excellent media to collect, transport, and archive samples for MD diagnosis and to monitor MD vaccines. In addition, FTA cards are widely available, inexpensive, and adequate for the shipment of samples nationally and internationally.

Smart Card Data Mining of Public Transport Destination: A Literature Review

Directory of Open Access Journals (Sweden)

Tian Li

2018-01-01

Full Text Available Smart card data is increasingly used to investigate passenger behavior and the demand characteristics of public transport. The destination estimation of public transport is one of the major concerns for the implementation of smart card data. In recent years, numerous studies concerning destination estimation have been carried out—most automatic fare collection (AFC systems only record boarding information but not passenger alighting information. This study provides a comprehensive review of the practice of using smart card data for destination estimation. The results show that the land use factor is not discussed in more than three quarters of papers and sensitivity analysis is not applied in two thirds of papers. In addition, the results are not validated in half the relevant studies. In the future, more research should be done to improve the current model, such as considering additional factors or making sensitivity analysis of parameters as well as validating the results with multi-source data and new methods.

Validation of PC-based Sound Card with Biopac for Digitalization of ECG Recording in Short-term HRV Analysis.

Science.gov (United States)

Maheshkumar, K; Dilara, K; Maruthy, K N; Sundareswaren, L

2016-07-01

Heart rate variability (HRV) analysis is a simple and noninvasive technique capable of assessing autonomic nervous system modulation on heart rate (HR) in healthy as well as disease conditions. The aim of the present study was to compare (validate) the HRV using a temporal series of electrocardiograms (ECG) obtained by simple analog amplifier with PC-based sound card (audacity) and Biopac MP36 module. Based on the inclusion criteria, 120 healthy participants, including 72 males and 48 females, participated in the present study. Following standard protocol, 5-min ECG was recorded after 10 min of supine rest by Portable simple analog amplifier PC-based sound card as well as by Biopac module with surface electrodes in Leads II position simultaneously. All the ECG data was visually screened and was found to be free of ectopic beats and noise. RR intervals from both ECG recordings were analyzed separately in Kubios software. Short-term HRV indexes in both time and frequency domain were used. The unpaired Student's t-test and Pearson correlation coefficient test were used for the analysis using the R statistical software. No statistically significant differences were observed when comparing the values analyzed by means of the two devices for HRV. Correlation analysis revealed perfect positive correlation (r = 0.99, P < 0.001) between the values in time and frequency domain obtained by the devices. On the basis of the results of the present study, we suggest that the calculation of HRV values in the time and frequency domains by RR series obtained from the PC-based sound card is probably as reliable as those obtained by the gold standard Biopac MP36.

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

Science.gov (United States)

Wierzbicki, Jakub; Zawadzka, Anna Maria

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

CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

OpenAIRE

Turgay GECER

2012-01-01

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

The Term Structure of Credit Spreads on Euro Corporate Bonds

NARCIS (Netherlands)

van Landschoot, A.

2003-01-01

Although there is a broad literature on structural credit risk models, there has been little empirical testing of these models.In this paper we examine the term structure of credit spreads on euro corporate bonds and the empirical validation of structural credit risk models.The latter provide a

Print a Bed Bug Card - (Single Cards)

Science.gov (United States)

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

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

Directory of Open Access Journals (Sweden)

Đurđana Ozretić Došen

2011-06-01

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

Benefits of the delta K of depletion benchmarks for burnup credit validation

International Nuclear Information System (INIS)

Lancaster, D.; Machiels, A.

2012-01-01

Pressurized Water Reactor (PWR) burnup credit validation is demonstrated using the benchmarks for quantifying fuel reactivity decrements, published as 'Benchmarks for Quantifying Fuel Reactivity Depletion Uncertainty,' EPRI Report 1022909 (August 2011). This demonstration uses the depletion module TRITON available in the SCALE 6.1 code system followed by criticality calculations using KENO-Va. The difference between the predicted depletion reactivity and the benchmark's depletion reactivity is a bias for the criticality calculations. The uncertainty in the benchmarks is the depletion reactivity uncertainty. This depletion bias and uncertainty is used with the bias and uncertainty from fresh UO 2 critical experiments to determine the criticality safety limits on the neutron multiplication factor, k eff . The analysis shows that SCALE 6.1 with the ENDF/B-VII 238-group cross section library supports the use of a depletion bias of only 0.0015 in delta k if cooling is ignored and 0.0025 if cooling is credited. The uncertainty in the depletion bias is 0.0064. Reliance on the ENDF/B V cross section library produces much larger disagreement with the benchmarks. The analysis covers numerous combinations of depletion and criticality options. In all cases, the historical uncertainty of 5% of the delta k of depletion ('Kopp memo') was shown to be conservative for fuel with more than 30 GWD/MTU burnup. Since this historically assumed burnup uncertainty is not a function of burnup, the Kopp memo's recommended bias and uncertainty may be exceeded at low burnups, but its absolute magnitude is small. (authors)

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

Science.gov (United States)

James, Thomas G.; Norwood, Bill R.

1991-01-01

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

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

Science.gov (United States)

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

1995-01-01

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

8 CFR 212.6 - Border crossing identification cards.

Science.gov (United States)

2010-01-01

... Section 212.6 Aliens and Nationality DEPARTMENT OF HOMELAND SECURITY IMMIGRATION REGULATIONS DOCUMENTARY... valid on or after October 1, 2002, the non-biometric border crossing card portion of the document is not... contain a machine-readable biometric identifier, may be admitted on the basis of the nonimmigrant visa...

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

Directory of Open Access Journals (Sweden)

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.

Markets: Gift Cards

OpenAIRE

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...

Deduction of passengers' route choices from smart card data

NARCIS (Netherlands)

van der Hurk, E.; Kroon, L.G.; Maroti, G.; Vervest, P.

2015-01-01

Deducing passengers' route choices from smart card data provides public transport operators the opportunity to evaluate and improve their passenger service. Particularly in the case of disruptions, when traditional route choice models may not be valid, this is an advantage. This paper proposes a

Isotopic validation for PWR actinide-only burnup credit using Yankee Rowe data

International Nuclear Information System (INIS)

1997-11-01

Safety analyses of criticality control systems for transportation packages include an assumption that the spent nuclear fuel (SNF) loaded into the package is fresh or unirradiated. In other words, the spent fuel is assumed to have its original, as-manufactured U-235 isotopic content. The ''fresh fuel'' assumption is very conservative since the potential reactivity of the nuclear fuel is substantially reduced after being irradiated in the reactor core. The concept of taking credit for this reduction in nuclear fuel reactivity due to burnup of the fuel, instead of using the fresh fuel assumption in the criticality safety analysis, is referred to as ''Burnup Credit.'' Burnup credit uses the actual physical composition of the fuel and accounts for the net reduction of fissile material and the buildup of neutron absorbers in the fuel as it is irradiated. Neutron absorbers include actinides and other isotopes generated as a result of the fission process. Using only the change in actinide isotopes in the burnup credit criticality analysis is referred to as ''Actinide-Only Burnup Credit.'' The use of burnup credit in the design of criticality control systems enables more spent fuel to be placed in a package. Increased package capacity results in a reduced number of storage, shipping and disposal containers for a given number of SNF assemblies. Fewer shipments result in a lower risk of accidents associated with the handling and transportation of spent fuel, thus reducing both radiological and nonradiological risk to the public. This paper describes the modeling and the results of comparison between measured and calculated isotopic inventories for a selected number of samples taken from a Yankee Rowe spent fuel assembly

Deduction of passengers' route choice from smart card data

NARCIS (Netherlands)

Van Der Hurk, Evelien; Kroon, Leo; Maroti, Gabor; Vervest, Peter

2013-01-01

Deducing passengers' route choice from smart card data provides public transport operators the opportunity to evaluate passenger service. Especially in case of disruptions when route choice models may not be valid this is an advantage. This paper proposes a method for deducing the chosen route of

Computer Data Punch Cards

CERN Multimedia

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

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

Science.gov (United States)

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

2000-04-01

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

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

Energy Technology Data Exchange (ETDEWEB)

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.

The performance of five different dried blood spot cards for the analysis of six immunosuppressants.

Science.gov (United States)

Koster, Remco A; Botma, Rixt; Greijdanus, Ben; Uges, Donald R A; Kosterink, Jos G W; Touw, Daan J; Alffenaar, Jan-Willem C

2015-01-01

The relation between hematocrit, substance concentration, extraction recovery and spot formation of tacrolimus, sirolimus, everolimus, ascomycin, temsirolimus and cyclosporin A was investigated for Whatman 31 ET CHR, Whatman FTA DMPK-C, Whatman 903, Perkin Elmer 226 and Agilent Bond Elut DMS DBS cards. We found that all DBS cards showed the same hematocrit and concentration-dependent recovery patterns for sirolimus, everolimus and temsirolimus. At high concentrations, the total hematocrit effects were much more pronounced than at low concentrations for tacrolimus, sirolimus, everolimus, ascomycin and temsirolimus. The tested card types showed differences in performance, especially at extreme concentrations and hematocrit values. It may be useful to investigate the performance of different types of DBS cards prior to analytical method validation.

The evolution of credit risk: phenomena, methods and management

OpenAIRE

George A. Christodoulakis

2007-01-01

This paper summarizes the proceedings of a conference at the Bank of Greece on credit risk. The papers presented focused on innovations in risk management methods which contribute to systemic financial stability, calculation of capital adequacy in financial institutions as well as the validation of credit rating methods in the context of Basel II.

International images: business cards.

Science.gov (United States)

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.

Probabilities in the Card Game of Three Cards

Indian Academy of Sciences (India)

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

Method for adding additional isotopes to actinide-only burnup credit

International Nuclear Information System (INIS)

Lancaster, D.B.; Fuentes, E.; Kang, C.

1998-01-01

The Topical Report on Actinide-Only Burnup Credit for Pressurized Water Reactor Spent Nuclear Fuel Packages requires computer code validation to be performed against a benchmark set of chemical assays for isotopic concentration and against a benchmark set of critical experiments for package criticality. Both sets contain all the isotopes included in the methodology. The chemical assays used include the uranium and plutonium isotopes, while the critical experiments were composed of UO 2 or MOX rods, covering the isotopes in the actinide only approach. Since other isotopes are not included in the validation benchmark sets, it would be necessary to justify both the content and worth of any additional isotope for which burnup credit is to be taken (i.e., both the concentration and criticality effect of each particular isotope must be validated). A method is proposed here that can be used for any number of additional isotopes. As does the actinide-only burnup credit methodology, this method makes use of chemical assay data to establish the conservatism in the prediction of each isotope's concentration. Criticality validation is also performed using a benchmark set of UO 2 and MOX critical experiments, where the additional isotopes are validated using worth experiments to conservatively account for any uncertainty in their cross sections. The remaining requirements (analysis and modeling parameters, loading criteria generation, and physical implementation and controls) are performed exactly as described in the actinide-only burnup credit methodology. This report provides insight into each particular requirement in the new methodology

REPLACEMENT OF FRENCH CARDS

CERN Multimedia

Human Resources Division

2001-01-01

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

CERN access cards

CERN Multimedia

HR Department

2007-01-01

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

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

NARCIS (Netherlands)

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

2005-01-01

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

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

Directory of Open Access Journals (Sweden)

Renata Giovinazzo Spers

2008-12-01

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

MODELING CREDIT RISK THROUGH CREDIT SCORING

OpenAIRE

Adrian Cantemir CALIN; Oana Cristina POPOVICI

2014-01-01

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

PERBANDINGAN KARTU KREDIT DAN KARTU KREDIT BERBASIS SYARIAH DI INDONESIA

Directory of Open Access Journals (Sweden)

Zainul Arifin Yusuf

2015-11-01

Full Text Available Apparently, even causing the pros and contra, the business of credit cards tempts most perpetrators of Islamic banks to makesharias’credit card. Sharia based credit cards have a number of differences than the conventional credit card. One of them is the basic law that refers to the Banking Law, as well as to the Islamic banking law, and the National Fatwa Council of Sharia. In addition, Islamic credit cards are credit cards that implement the wage system (ujrah. In the transaction, Islamic credit card users free of interest and penalties. Penalties only apply to customers who are in default, and the fine is not used as revenue for the bank, but it is distributed to the social fund

12 CFR 227.21 - Definitions.

Science.gov (United States)

2010-01-01

... purposes under an open-end credit plan that is accessed by a credit card or charge card. The terms “open... the requirements of 12 CFR 226.5b that are accessible by a credit or charge card; (2) Overdraft lines of credit tied to asset accounts accessed by check-guarantee cards or by debit cards; (3) Lines of...

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

Directory of Open Access Journals (Sweden)

John O' Raw

2011-08-01

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

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

Science.gov (United States)

Blackwell, Clive

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

Research on the SIM card implementing functions of transport card

Science.gov (United States)

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.

RANCANG BANGUN APLIKASI SMART CARD INTERFACE

OpenAIRE

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 ...

Gaya Hidup Nasabah dan Keputusan Dalam Penggunaan Kartu Kredit

Directory of Open Access Journals (Sweden)

Muhammad Fauzan

2017-06-01

Full Text Available The Achievers Life Style and Decision to Use Credit CardThis study discusses the effect of achievers lifestyle on the decision to use credit card to customers of credit card customers of Bank Mandiri branch Pematangsiantar. The goal is to determine the effect of achievers' lifestyle with the decision to use credit cards to customers of Bank Mandiri credit card users. The number of respondents determined as many as 100 respondents. Sampling procedure is done by purposive sampling that is sampling technique based on credit card user who live in Pematangsiantar city. Mutiple linier regressions are used as technique of analysis. The results showed that the achievers lifestyle variables have a significant influence on the decision to use credit cards. From result of regression analysis known that activity and opinion variable have influence stronger than interest to decision using credit card.DOI: 10.15408/ess.v7i2.4987

Method card design dimensions

DEFF Research Database (Denmark)

Wölfel, Christiane; Merritt, T.

2013-01-01

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

75 FR 23565 - Unfair or Deceptive Acts or Practices; Amendment

Science.gov (United States)

2010-05-04

... are subsumed within, though not identical to, the protections of the Credit CARD Act and the Board's... protection, Credit, Credit cards, Deception, Intergovernmental relations, Savings associations, Trade... ``Prohibited Consumer Credit Practices'' to avoid duplication and inconsistency with the Credit Card...

Perbandingan Kartu Kredit dan Kartu Kredit Berbasis Syariah di Indonesia

Directory of Open Access Journals (Sweden)

Zainul Arifin Yusuf

2015-11-01

Full Text Available Apparently, even causing the pros and contra, the business of credit cards tempts most perpetrators of Islamic banks to make sharia's credit card. Sharia based credit cards have a number of differences than the conventional credit card. One of them is the basic law that refers to the Banking law, as well as to the Islamic banking law, and the National Fatwa Council of Sharia. In Addition, shariah's credit cards are credit cards that implement the wage system (ujrah. In the transaction, sharia's credit card users free of interest and penalties. Penalties only apply to customers who are in default, and the fine is not used as revenue for the bank, but it is distributed to the social fundDOI: 10.15408/aiq.v3i2.2135

Authentication techniques for smart cards

International Nuclear Information System (INIS)

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

78 FR 76033 - Truth in Lending (Regulation Z)

Science.gov (United States)

2013-12-16

... Regulation Z implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act..., Consumer protection, Credit, Credit unions, Mortgages, National banks, Reporting and recordkeeping... Rules Applicable to Credit Card Accounts and Open End Credit Offered to College Students 0 2. Section...

CMS Wallet Card

Data.gov (United States)

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

Credit risk assessment: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-08-01

Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

CERNET Interface Card

CERN Multimedia

1978-01-01

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

The Future of Smart Cards.

Science.gov (United States)

Fickes, Michael

2000-01-01

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

Unraveling a Card Trick

Science.gov (United States)

Hoare, Tony; Shankar, Natarajan

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

Java Card for PayTv Application

OpenAIRE

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...

Passive microfluidic array card and reader

Science.gov (United States)

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

2011-08-09

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

Smart Cards and remote entrusting

Science.gov (United States)

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

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

Status of burnup credit for transport of SNF in the United States

International Nuclear Information System (INIS)

Parks, C.V.; Wagner, J.C.

2004-01-01

Allowing credit for the reduction in reactivity associated with fuel depletion can enable more cost-effective, higher-density storage, transportation, and disposal of spent nuclear fuel (SNF) while maintaining a subcritical margin sufficient to establish an adequate safety basis. This paper reviews the current status of burnup credit applied to the design and transport of SNF casks in the United States. The existing U.S. regulatory guidance on burnup credit is limited to pressurized-water-reactor (PWR) fuel and to allowing credit only for actinides in the SNF. By comparing loading curves against actual SNF discharge data for U.S. reactors, the potential benefits that can be realized using the current regulatory guidance with actinide-only burnup credit are illustrated in terms of the inventory allowed in high-capacity casks and the concurrent reduction in SNF shipments. The additional benefits that might be realized by extending burnup credit to credit for select fission products are also illustrated. The curves show that, although fission products in SNF provide a small decrease in reactivity compared with actinides, the additional negative reactivity causes the SNF inventory acceptable for transportation to increase from roughly 30% to approximately 90% when fission products are considered. A savings of approximately $150M in transport costs can potentially be realized for the planned inventory of the repository. Given appropriate experimental data to support code validation, a realistic best-estimate analysis of burnup credit that includes validated credit for fission products is the enhancement that will yield the most significant impact on future transportation plans

Establishment of the Credit Indicator System of Micro Enterprises Based on Support Vector Machine and R-Type Clustering

Directory of Open Access Journals (Sweden)

Zhanjiang Li

2018-01-01

Full Text Available The micro enterprises’ credit indicators with credit identification ability are selected by the two classification models of Support Vector Machine for the first round of indicator selection and then for the second round of indicator selection, deleting credit indicators with redundant information by clustering variables through the principle of minimum sum of deviation squares. This paper provides a screening model for credit evaluation indicators of micro enterprises and uses credit data of 860 micro enterprises samples in Inner Mongolia in western China for application analysis. The test results show that, first, the constructed final micro enterprises’ credit indicator system is in line with the 5C model; second, the validity test based on the ROC (Receiver Operating Characteristic curve reveals that each of the screened credit evaluation indicators is valid.

Monitoring visitor satisfaction: a comparison of comment cards and more in-depth surveys

Science.gov (United States)

Alan R. Graefe; James D. Absher; Robert C. Burns

2001-01-01

This paper compares responses to comment cards and more detailed on-site surveys at selected Corps of Engineers lakes. The results shed light on the validity, reliability, and usefulness of these alternative methods of monitoring customer satisfaction.

75 FR 10414 - Researcher Identification Card

Science.gov (United States)

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...

Application of dried blood spot cards to determine olive oil phenols (hydroxytyrosol metabolites) in human blood.

Science.gov (United States)

de Las Hazas, María Carmen López; Motilva, Maria José; Piñol, Carme; Macià, Alba

2016-10-01

In this study, a fast and simple blood sampling and sample pre-treatment method based on the use of the dried blood spot (DBS) cards and ultra-performance liquid chromatography coupled to tandem mass spectrometry (UPLC-MS/MS) for the quantification of olive oil phenolic metabolites in human blood was developed and validated. After validation, the method was applied to determine hydroxytyrosol metabolites in human blood samples after the acute intake of an olive oil phenolic extract. Using the FTA DMPK-A DBS card under optimum conditions, with 20µL as the blood solution volume, 100µL of methanol/Milli-Q water (50/50, v/v) as the extraction solvent and 7 disks punched out from the card, the main hydroxytyrosol metabolites (hydroxytyrosol-3-O-sulphate and hydroxytyrosol acetate sulphate) were identified and quantified. The developed methodology allowed detecting and quantifying the generated metabolites at low μM levels. The proposed method is a significant improvement over existing methods to determine phenolic metabolites circulating in blood and plasma samples, thus making blood sampling possible with the volunteer pricking their own finger, and the subsequent storage of the blood in the DBS cards prior to chromatographic analysis. Copyright © 2016 Elsevier B.V. All rights reserved.

Technical Data to Justify Full Burnup Credit in Criticality Safety Licensing Analysis

Energy Technology Data Exchange (ETDEWEB)

Enercon Services, Inc.

2011-03-14

Enercon Services, Inc. (ENERCON) was requested under Task Order No.2 to identify scientific and technical data needed to benchmark and justify Full Burnup Credit, which adds 16 fission products and 4 minor actinides1 to Actinide-Only burnup credit. The historical perspective for Full Burnup Credit is discussed, and interviews of organizations participating in burnup credit activities are summarized as a basis for identifying additional data needs and making recommendation. Input from burnup credit participants representing two segments of the commercial nuclear industry is provided. First, the Electric Power Research Institute (EPRI) has been very active in the development of Full Burnup Credit, representing the interests of nuclear utilities in achieving capacity gains for storage and transport casks. EPRI and its utility customers are interested in a swift resolution of the validation issues that are delaying the implementation of Full Burnup Credit [EPRI 2010b]. Second, used nuclear fuel storage and transportation Cask Vendors favor improving burnup credit beyond Actinide-Only burnup credit, although their discussion of specific burnup credit achievements and data needs was limited citing business sensitive and technical proprietary concerns. While Cask Vendor proprietary items are not specifically identified in this report, the needs of all nuclear industry participants are reflected in the conclusions and recommendations of this report. In addition, Oak Ridge National Laboratory (ORNL) and Sandia National Laboratory (SNL) were interviewed for their input into additional data needs to achieve Full Burnup Credit. ORNL was very open to discussions of Full Burnup Credit, with several telecoms and a visit by ENERCON to ORNL. For many years, ORNL has provided extensive support to the NRC regarding burnup credit in all of its forms. Discussions with ORNL focused on potential resolutions to the validation issues for the use of fission products. SNL was helpful in

Technical Data to Justify Full Burnup Credit in Criticality Safety Licensing Analysis

International Nuclear Information System (INIS)

2011-01-01

Enercon Services, Inc. (ENERCON) was requested under Task Order No.2 to identify scientific and technical data needed to benchmark and justify Full Burnup Credit, which adds 16 fission products and 4 minor actinides1 to Actinide-Only burnup credit. The historical perspective for Full Burnup Credit is discussed, and interviews of organizations participating in burnup credit activities are summarized as a basis for identifying additional data needs and making recommendation. Input from burnup credit participants representing two segments of the commercial nuclear industry is provided. First, the Electric Power Research Institute (EPRI) has been very active in the development of Full Burnup Credit, representing the interests of nuclear utilities in achieving capacity gains for storage and transport casks. EPRI and its utility customers are interested in a swift resolution of the validation issues that are delaying the implementation of Full Burnup Credit [EPRI 2010b]. Second, used nuclear fuel storage and transportation Cask Vendors favor improving burnup credit beyond Actinide-Only burnup credit, although their discussion of specific burnup credit achievements and data needs was limited citing business sensitive and technical proprietary concerns. While Cask Vendor proprietary items are not specifically identified in this report, the needs of all nuclear industry participants are reflected in the conclusions and recommendations of this report. In addition, Oak Ridge National Laboratory (ORNL) and Sandia National Laboratory (SNL) were interviewed for their input into additional data needs to achieve Full Burnup Credit. ORNL was very open to discussions of Full Burnup Credit, with several telecoms and a visit by ENERCON to ORNL. For many years, ORNL has provided extensive support to the NRC regarding burnup credit in all of its forms. Discussions with ORNL focused on potential resolutions to the validation issues for the use of fission products. SNL was helpful in

[Application of patient card technology to health care].

Science.gov (United States)

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.

CHIS – Renewal of health insurance cards and opening hours of UNIQA offices

CERN Multimedia

HR Department

2007-01-01

The production of health insurance cards valid from 1 January 2008 was interrupted in November due to a technical problem. Production has now resumed for those who have not yet received one. The insurance cards are being sent either to your professional address at CERN (if you’re an active member) or to your home address (if you are retired). Due to the closure of the Lab on Friday 21 December and to the workload of the postal services at the end of the year, these cards might not reach you until the beginning of January 2008. Thank you in advance for your patience. UNIQA informs us that in future the address on the insurance card will show only the name of the town and country of your residence. These data are indicated for information only and have no influence on the services offered by the health care provider. We also wish to inform you that the offices of UNIQA at CERN will be closed during the Christmas closure of the Lab. During that period, the Geneva offices of...

Digitizing Olin Eggen's Card Database

Science.gov (United States)

Crast, J.; Silvis, G.

2017-06-01

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

Citizen empowerment using healthcare and welfare cards.

Science.gov (United States)

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.

Credit-proofing fundamentals for a solid credit policy

Energy Technology Data Exchange (ETDEWEB)

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

2003-07-01

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

Credit-proofing fundamentals for a solid credit policy

International Nuclear Information System (INIS)

Lydiatt, I.

2003-01-01

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

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

Directory of Open Access Journals (Sweden)

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.

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

OpenAIRE

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.

The c-cards game

DEFF Research Database (Denmark)

Valente, Andrea

2005-01-01

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

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

OpenAIRE

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...

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

Energy Technology Data Exchange (ETDEWEB)

2002-03-01

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

Smart Card

Directory of Open Access Journals (Sweden)

Floarea NASTASE

2006-01-01

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

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

OpenAIRE

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.

CO2 credit or energy credit in emission trading?

International Nuclear Information System (INIS)

Hu, E.

2002-01-01

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

12 CFR Appendix B to Part 37 - Long Form Disclosures

Science.gov (United States)

2010-01-01

... will not receive a refund. • Use of card or credit line restricted [Applicable if the contract restricts use of card or credit line when customer activates protection] If [PRODUCT NAME] is activated, you will be unable to incur additional charges on the credit card or use the credit line. • Termination of...

Fingerprint match-on-card: review and outlook

CSIR Research Space (South Africa)

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...

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

International Nuclear Information System (INIS)

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)

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

Directory of Open Access Journals (Sweden)

Kurt M Ribisl

2011-02-01

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

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

Science.gov (United States)

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

2011-02-14

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

Helping Students Design HyperCard Stacks.

Science.gov (United States)

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)

Main components of business cards design

Directory of Open Access Journals (Sweden)

Ю. В. Романенкова

2003-03-01

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

Engineering software development with HyperCard

Science.gov (United States)

Darko, Robert J.

1990-01-01

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

Do Payment Mechanisms Change the Way Consumers Perceive Products?

OpenAIRE

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...

Drops for stuff: An analysis of reshipping mule scams

OpenAIRE

Hao, S.; Borgolte, K.; Nikiforakis, N.; Stringhini, G.; Egele, M.; Eubanks, M.; Krebs, B.; Vigna, G.

2015-01-01

Credit card fraud has seen rampant increase in the past years, as customers use credit cards and similar financial instruments frequently. Both online and brick-and-mortar outfits repeatedly fall victim to cybercriminals who siphon off credit card information in bulk. Despite the many and creative ways that attackers use to steal and trade credit card information, the stolen information can rarely be used to withdraw money directly, due to protection mechanisms such as PINs and cash advance l...

Two echelon partial trade credit financing in a supply chain derived algebraically

Directory of Open Access Journals (Sweden)

Jaggi Chandra K.

2012-01-01

Full Text Available Trade credit financing has become a powerful tool to improve sales & profit in an industry. In general, a supplier/retailer frequently offers trade credit to its credit risk downstream member in order to stimulate their respective sales. This trade credit may either be full or partial depending upon the past profile of the downstream member. Partial trade credit may be offered by the supplier/retailer to their credit risk downstream member who must pay a portion of the purchase amount at the time of placing an order and then receives a permissible delay on the rest of the outstanding amount to avoid non-payment risks. The present study investigates the retailer’s inventory problem under partial trade credit financing for two echelon supply chain where the supplier, as well as the retailer, offers partial trade credit to the subsequent downstream member. An algebraic approach has been applied for finding the retailer’s optimal ordering policy under minimizing the annual total relevant cost. Results have been validated with the help of examples followed by comprehensive sensitivity analysis.

A House of Cards.

Science.gov (United States)

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)

Conceptual cask design with burnup credit

International Nuclear Information System (INIS)

Lee, Seong Hee; Ahn, Joon Gi; Hwang, Hae Ryong

2003-01-01

Conceptual design has been performed for a spent fuel transport cask with burnup credit and a neutron-absorbing material to maximize transportation capacity. Both fresh and burned fuel are assumed to be stored in the cask and boral and borated stainless steel are selected for the neutron-absorbing materials. Three different sizes of cask with typical 14, 21 and 52 PWR fuel assemblies are modeled and analyzed with the SCALE 4.4 code system. In this analysis, the biases and uncertainties through validation calculations for both isotopic predictions and criticality calculation for the spent fuel have been taken into account. All of the reactor operating parameters, such as moderator density, soluble boron concentration, fuel temperature, specific power, and operating history, have been selected in a conservative way for the criticality analysis. Two different burnup credit loading curves are developed for boral and borated stainless steel absorbing materials. It is concluded that the spent fuel transport cask design with burnup credit is feasible and is expected to increase cask payloads. (author)

C-cards in Music Education

DEFF Research Database (Denmark)

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....

Validation of the concept Risk for Decreased Cardiac Output Validación del concepto riesgo de débito cardiaco disminuido Validação do conceito risco de débito cardíaco diminuído

Directory of Open Access Journals (Sweden)

Eduarda Ribeiro dos Santos

2013-02-01

Full Text Available OBJECTIVES: to validate the concept "risk for decreased cardiac output". METHOD: Six of the eight steps suggested in the technique developed by Walker & Avant were adopted to analyze the concept of the phenomenon under study and the proposal made by Hoskins was used for content validation, taking into account agreement achieved among five experts. RESULTS: the concept "decreased cardiac output" was found in the nursing and medical fields and refers to the heart's pumping capacity while the concept "risk" is found in a large number of disciplines. In regard to the defining attributes, "impaired pumping capacity" was the main attribute of decreased cardiac output and "probability" was the main attribute of risk. The uses and defining attributes of the concepts "decreased cardiac output" and "risk" were analyzed as well as their antecedent and consequent events in order to establish the definition of "risk for decreased cardiac output", which was validated by 100% of the experts. CONCLUSION: The obtained data indicate that the risk for decreased cardiac output phenomenon can be a nursing diagnosis and refining it can contribute to the advancement of nursing classifications in this context.OBJETIVO: Validar el concepto riesgo del débito cardíaco disminuido. MÉTODO: Fue adoptada la técnica de Walker & Avant para analizar la definición del fenómeno enfocado, utilizando seis de las ocho etapas sugeridas y la propuesta de Hoskins para validar el contenido, considerándose la conformidad entre cinco expertos. RESULTADOS: el concepto de debito cardíaco disminuido se encuentra en las áreas enfermería y médica y su atención se centra en la capacidad de bombeo del corazón. Sin embargo, el concepto de riesgo es presente en un gran número de áreas. Las características definitorias de la disminución del gasto cardíaco mostraron como principal atributo deficiencia de la bomba cardiaca y, para el riesgo, el atributo de probabilidad. Analizados

[Smart cards in health services].

Science.gov (United States)

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.

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

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

2000-01-01

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

Stream processing health card application.

Science.gov (United States)

Polat, Seda; Gündem, Taflan Imre

2012-10-01

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

26 CFR 1.51-1 - Amount of credit.

Science.gov (United States)

2010-04-01

... of such individual's rehabilitation plan. However, with the exception of vocational rehabilitation... carpenters. The program would not qualify, however, if the student works at a restaurant and generally... only if there was a valid business reason, unrelated to the availability of the credit, for the...

A Projector-Camera System for Augmented Card Playing and a Case Study with the Pelmanism Game

Directory of Open Access Journals (Sweden)

Nozomu Tanaka

2017-05-01

Full Text Available In this article, we propose a system for augmented card playing with a projector and a camera to add playfulness and increase communication among players of a traditional card game. The functionalities were derived on the basis of a user survey session with actual players. Playing cards are recognized using a video camera on the basis of a template matching without any artificial marker with an accuracy of > 0.96. Players are also tracked to provide person-dependent services using a video camera from the direction of their hands appearing over a table. These functions are provided as an API; therefore, the user of our system, i.e., a developer, can easily augment playing card games. The Pelmanism game was augmented on top of the system to validate the concept of augmentation. The results showed the feasibility of the system’s performance in an actual environment and the potential of enhancing playfulness and communication among players.

77 FR 37616 - Disclosure of Consumer Complaint Data

Science.gov (United States)

2012-06-22

... Protection Bureau, at (202) 435-7700. SUPPLEMENTARY INFORMATION: I. Background A. Credit Card Policy... disclosure of data from consumer complaints about financial products and services other than credit cards... Statement'') describing its plans to disclose consumer credit card complaint data. The present notice (the...

Circuit card failures and industry mitigation strategy

Energy Technology Data Exchange (ETDEWEB)

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)

COGEMA/TRANSNUCLEAIRE's experience with burnup credit

International Nuclear Information System (INIS)

Chanzy, Y.; Guillou, E.

1998-01-01

Facing a continuous increase in the fuel enrichments, COGEMA and TRANSNUCLEAIRE have implemented step by step a burnup credit programme to improve the capacity of their equipment without major physical modification. Many authorizations have been granted by the French competent authority in wet storage, reprocessing and transport since 1981. As concerns transport, numerous authorizations have been validated by foreign competent authorities. Up to now, those authorizations are restricted to PWR Fuel type assemblies made of enriched uranium. The characterization of the irradiated fuel and the reactivity of the systems are evaluated by calculations performed with well qualified French codes developed by the CEA (French Atomic Energy Commission): CESAR as a depletion code and APPOLO-MORET as a criticality code. The authorizations are based on the assurance that the burnup considered is met on the least irradiated part of the fuel assemblies. Besides, the most reactive configuration is calculated and the burnup credit is restricted to major actinides only. This conservative approach allows not to take credit for any axial profile. On the operational side, the procedures have been reevaluated to avoid misloadings and a burnup verification is made before transport, storage and reprocessing. Depending on the level of burnup credit, it consists of a qualitative (go/no-go) verification or of a quantitative measurement. Thus the use of burnup credit is now a common practice in France and Germany and new improvements are still in progress: extended qualifications of the codes are made to enable the use of six selected fission products in the criticality evaluations. (author)

41 CFR 109-38.800 - General.

Science.gov (United States)

2010-07-01

... motor vehicle operators with appropriate instructions regarding the use and protection of credit cards... 38-MOTOR EQUIPMENT MANAGEMENT 38.8-Standard Form 149, U.S. Government National Credit Card § 109-38... the administrative control of fleet credit cards. Administrative control shall include, as a minimum...

Review of Research on Credit Risk Management for Rural Credit Cooperatives

Directory of Open Access Journals (Sweden)

Xin Song

2017-03-01

Full Text Available With the rapid development of rural micro-credit, whether the qagriculture, rural areas and farmersq problems have been effectively solved, whether the credit risk has been effectively controlled, these have become the focus of our attention to the rural economic environment. The main content of this paper contains four aspects: the classification and characteristics of credit risk, the problems and factors of credit risk, the model and evaluation of credit risk, the countermeasures and suggestions of credit risk. This paper reviews the research of credit risk management for rural credit cooperatives from the above four aspects, and makes a brief summary.

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

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

2000-01-01

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

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

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

2000-01-01

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

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

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

2000-01-01

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

An acuity cards cookbook.

Science.gov (United States)

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.

On the use of OSL of wire-bond chip card modules for retrospective and accident dosimetry

Energy Technology Data Exchange (ETDEWEB)

Woda, Clemens [Helmholtz Zentrum Muenchen - German Research Centre for Environmental Health, Institute of Radiation Protection, Ingolstaedter Landstrasse 1, D-85764 Neuherberg (Germany)], E-mail: clemens.woda@helmholtz-muenchen.de; Spoettl, Thomas [Infineon Technologies AG, Wernerwerkstrasse 1, D-93049 Regensburg (Germany)

2009-05-15

The potential of optically stimulated luminescence of wire-bond chip card modules, used in health insurance, ID, cash and credit cards for retrospective and accident dosimetry is investigated. Chip card modules obtained directly from the producer, using a widely spread UV-cured epoxy product for encapsulation, are used as basis for the study. The radiation sensitivity is due to silica grains added to the epoxy for controlling the thixotropic properties. Luminescence properties are complex due to the presumed thermo-optical release of electrons from the epoxy and transfer into the silica. Best results and highest sensitivity are obtained by using no or only low preheat treatments. A high degree of fading of the OSL signal during storage at room temperature is observed, which is tentatively explained by the superposition of thermal decay of shallow OSL traps and athermal (anomalous) decay of deeper OSL traps. The dose response of the OSL signal shows exponentially saturating behaviour, with saturation doses of 77 Gy or 9.6 Gy, depending on pretreatment. Dose recovery tests show that given doses can be recovered within a deviation of {+-}14%, if measured signals are corrected for fading. The minimum detectable dose is estimated at {approx}3 mGy, {approx}10 mGy and {approx}20 mGy for readouts immediately, 1 day and 10 days after exposure, respectively.

On the use of OSL of wire-bond chip card modules for retrospective and accident dosimetry

International Nuclear Information System (INIS)

Woda, Clemens; Spoettl, Thomas

2009-01-01

The potential of optically stimulated luminescence of wire-bond chip card modules, used in health insurance, ID, cash and credit cards for retrospective and accident dosimetry is investigated. Chip card modules obtained directly from the producer, using a widely spread UV-cured epoxy product for encapsulation, are used as basis for the study. The radiation sensitivity is due to silica grains added to the epoxy for controlling the thixotropic properties. Luminescence properties are complex due to the presumed thermo-optical release of electrons from the epoxy and transfer into the silica. Best results and highest sensitivity are obtained by using no or only low preheat treatments. A high degree of fading of the OSL signal during storage at room temperature is observed, which is tentatively explained by the superposition of thermal decay of shallow OSL traps and athermal (anomalous) decay of deeper OSL traps. The dose response of the OSL signal shows exponentially saturating behaviour, with saturation doses of 77 Gy or 9.6 Gy, depending on pretreatment. Dose recovery tests show that given doses can be recovered within a deviation of ±14%, if measured signals are corrected for fading. The minimum detectable dose is estimated at ∼3 mGy, ∼10 mGy and ∼20 mGy for readouts immediately, 1 day and 10 days after exposure, respectively.

Criticality reference benchmark calculations for burnup credit using spent fuel isotopics

International Nuclear Information System (INIS)

Bowman, S.M.

1991-04-01

To date, criticality analyses performed in support of the certification of spent fuel casks in the United States do not take credit for the reactivity reduction that results from burnup. By taking credit for the fuel burnup, commonly referred to as ''burnup credit,'' the fuel loading capacity of these casks can be increased. One of the difficulties in implementing burnup credit in criticality analyses is that there have been no critical experiments performed with spent fuel which can be used for computer code validation. In lieu of that, a reference problem set of fresh fuel critical experiments which model various conditions typical of light water reactor (LWR) transportation and storage casks has been identified and used in the validation of SCALE-4. This report documents the use of this same problem set to perform spent fuel criticality benchmark calculations by replacing the actual fresh fuel isotopics from the experiments with six different sets of calculated spent fuel isotopics. The SCALE-4 modules SAS2H and CSAS4 were used to perform the analyses. These calculations do not model actual critical experiments. The calculated k-effectives are not supposed to equal unity and will vary depending on the initial enrichment and burnup of the calculated spent fuel isotopics. 12 refs., 11 tabs

Governance, Issuance Restrictions, And Competition In Payment Card Networks

OpenAIRE

Robert S. Pindyck

2007-01-01

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

Port Card Module

International Nuclear Information System (INIS)

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

The application of burnup credit for spent fuel operations in the United Kingdom

International Nuclear Information System (INIS)

Bowden, R.

1998-01-01

This paper begins by outlining the structure of the nuclear industry in the United Kingdom. It then sets out the methodology of burnup credit, and provides a brief discussion of the validation and robustness of the calculational route. This leads to a description of both the current and intended applications of burnup credit in the United Kingdom. (author)

Using smart card technology to monitor the eating habits of children in a school cafeteria: 1. Developing and validating the methodology.

Science.gov (United States)

Lambert, N; Plumb, J; Looise, B; Johnson, I T; Harvey, I; Wheeler, C; Robinson, M; Rolfe, P

2005-08-01

The aim of the study was to test the feasibility of using smart card technology to track the eating behaviours of nearly a thousand children in a school cafeteria. Within a large boys' school a smart card based system was developed that was capable of providing a full electronic audit of all the individual transactions that occurred within the cafeteria. This dataset was interfaced to an electronic version of the McCance and Widdowson composition of foods dataset. The accuracy of the smart card generated data and the influence of portion size and wastage were determined empirically during two 5-day trials. The smart card system created succeeded in generating precise data on the food choices made by hundreds of children over an indefinite time period. The data was expanded to include a full nutrient analysis of all the foods chosen. The accuracy of this information was only constrained by the limitations facing all food composition research, e.g. variations in recipes, portion sizes, cooking practices, etc. Although technically possible to introduce wastage correction factors into the software, thereby providing information upon foods consumed, this was not seen as universally practical. The study demonstrated the power of smart card technology for monitoring food/nutrient choice over limitless time in environments such as school cafeterias. The strengths, limitations and applications of such technology are discussed.

The first Latin-American risk stratification system for cardiac surgery: can be used as a graphic pocket-card score.

Science.gov (United States)

Carosella, Victorio C; Navia, Jose L; Al-Ruzzeh, Sharif; Grancelli, Hugo; Rodriguez, Walter; Cardenas, Cesar; Bilbao, Jorge; Nojek, Carlos

2009-08-01

This study aims to develop the first Latin-American risk model that can be used as a simple, pocket-card graphic score at bedside. The risk model was developed on 2903 patients who underwent cardiac surgery at the Spanish Hospital of Buenos Aires, Argentina, between June 1994 and December 1999. Internal validation was performed on 708 patients between January 2000 and June 2001 at the same center. External validation was performed on 1087 patients between February 2000 and January 2007 at three other centers in Argentina. In the development dataset the area under receiver operating characteristics (ROC) curve was 0.73 and the Hosmer-Lemeshow (HL) test was P=0.88. In the internal validation ROC curve was 0.77. In the external validation ROC curve was 0.81, but imperfect calibration was detected because the observed in-hospital mortality (3.96%) was significantly lower than the development dataset (8.20%) (Pgraphic pocket-card score allows an easy bedside application with acceptable statistic precision.

Credit concession through credit scoring: Analysis and application proposal

Directory of Open Access Journals (Sweden)

Oriol Amat

2017-01-01

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

An alternative randomized response model using two deck of cards: a rejoinder

Directory of Open Access Journals (Sweden)

Raghunath Arnab

2014-10-01

Full Text Available The Randomized response (RR technique with two decks of cards proposed by Odumade and Singh (2009 can always be made more efficient than the RR techniques proposed by Warner (1965, Mangat and Singh (1990, and Mangat (1994 by adjusting the proportion of cards in the decks. Abdelfatah et al. (2011 modified Odumade and Singh (2009 RR technique and claimed that their method can be more efficient than the Warner (1965 model. In this paper it is shown that such claim is not valid and the RR technique proposed by Abdelfatah et al. (2011 is in fact less efficient than the Warner (1965 technique at equal protection of respondents. Such finding are recently shown by Giordano and Perri (2011.

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

HR Division

2001-01-01

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

NCDC Punched Card Reference Manuals

Data.gov (United States)

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

Developing a model for validation and prediction of bank customer ...

African Journals Online (AJOL)

Credit risk is the most important risk of banks. The main approaches of the bank to reduce credit risk are correct validation using the final status and the validation model parameters. High fuel of bank reserves and lost or outstanding facilities of banks indicate the lack of appropriate validation models in the banking network.

Card products market in the Republic of Croatia

Directory of Open Access Journals (Sweden)

Ivana Šučur

2007-12-01

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

Federal consumer protection regulation: disclosures and beyond

OpenAIRE

Mark Furletti

2005-01-01

On June 10, 2005, the Payment Cards Center hosted a symposium entitled “Federal Consumer Protection Regulation: Disclosures and Beyond.” The symposium brought together credit card industry leaders, legal scholars, consumer advocates, economists, and federal regulators to discuss standardized credit card disclosures and other means of protecting credit card consumers. This paper summarizes the day’s discussion and details the recommendations of symposium participants. In general, these recomme...

Introducing the Evaluation Tools for HSE Management System Performance Using Balanced Score Card Model

Directory of Open Access Journals (Sweden)

Ali Mohammadi

2016-12-01

Full Text Available Background: The performance of the HSE units has various dimensions Leading to different performances. Thus, any industry should be capable of evaluating these systems. The aim of this study was to design a standard questionnaire in the field of performance evaluation of HSE management system employing Balanced Score Card model. Methods: In this study we, first determined the criteria to be evaluated in the framework of Balanced Score Card model based on the objectives and strategies of HSE Management System and existing standards, and then designed questions on every criterion. We used content validity and Cronbach's Alpha to determine the reliability and validity of the questionnaire. Results: The primary questionnaire was comprised of 126 questions some of which were omitted regarding the results obtained from the CVR and CVI values. We obtained the CVI average of environmental dimension to be 0.75 and its CVI average 0.71. Conclusion: With respect to the results of the reliability and validity of this questionnaire,and its standardized design we can suggest using it for evaluation of HSE management system performance in organizations and industries with the mentioned system.

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

Directory of Open Access Journals (Sweden)

Daiva Jurevičienė

2013-11-01

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

77 FR 69692 - Guidance on Review and Approval of Public Charter Prospectuses

Science.gov (United States)

2012-11-20

..., the charter operator collected consumer funds, accepting debit as well as credit card payments... consumers not paying in cash receive the protections of the Fair Credit Billing Act (15 U.S.C. 1601 et seq... provides, only by credit card, but not by debit card.\\1\\ The Department will consider exemptions to this...

NCA & Credit Guarantees

African Journals Online (AJOL)

stooppn

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

Data transfer based on intelligent ethernet card

International Nuclear Information System (INIS)

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)

Falla cardíaca (primera parte)

OpenAIRE

Flórez Alarcón, Noel Alberto; Fundación Valle de Lili

2006-01-01

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

An overview of smart card technology and markets

OpenAIRE

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...

Formal and Informal Credit Markets and Rural Credit Demand in China

OpenAIRE

Tang, Sai; Guan, Zhengfei; Jin, Songqing

2010-01-01

Credit markets are an essential economic institution. In developing countries, particularly in countries undergoing rapid social and economic transition, it is important to identify emerging credit demand and institute credit supply in a timely manner to facilitate economic transformation. This research focuses on the evolving rural credit market in China, where borrowing from the social network has been common but the recent economic transition has made this informal credit market inadequate...

Technical Basis for Peak Reactivity Burnup Credit for BWR Spent Nuclear Fuel in Storage and Transportation Systems

Energy Technology Data Exchange (ETDEWEB)

Marshall, William BJ J [ORNL; Ade, Brian J [ORNL; Bowman, Stephen M [ORNL; Gauld, Ian C [ORNL; Ilas, Germina [ORNL; Mertyurek, Ugur [ORNL; Radulescu, Georgeta [ORNL

2015-01-01

Oak Ridge National Laboratory and the United States Nuclear Regulatory Commission have initiated a multiyear project to investigate application of burnup credit for boiling-water reactor (BWR) fuel in storage and transportation casks. This project includes two phases. The first phase (1) investigates applicability of peak reactivity methods currently used in spent fuel pools (SFPs) to storage and transportation systems and (2) evaluates validation of both reactivity (k_eff) calculations and burnup credit nuclide concentrations within these methods. The second phase will focus on extending burnup credit beyond peak reactivity. This paper documents the first phase, including an analysis of lattice design parameters and depletion effects, as well as both validation components. Initial efforts related to extended burnup credit are discussed in a companion paper. Peak reactivity analyses have been used in criticality analyses for licensing of BWR fuel in SFPs over the last 20 years. These analyses typically combine credit for the gadolinium burnable absorber present in the fuel with a modest amount of burnup credit. Gadolinium burnable absorbers are used in BWR assemblies to control core reactivity. The burnable absorber significantly reduces assembly reactivity at beginning of life, potentially leading to significant increases in assembly reactivity for burnups less than 15–20 GWd/MTU. The reactivity of each fuel lattice is dependent on gadolinium loading. The number of gadolinium-bearing fuel pins lowers initial lattice reactivity, but it has a small impact on the burnup and reactivity of the peak. The gadolinium concentration in each pin has a small impact on initial lattice reactivity but a significant effect on the reactivity of the peak and the burnup at which the peak occurs. The importance of the lattice parameters and depletion conditions are primarily determined by their impact on the gadolinium depletion. Criticality code validation for BWR burnup

A Two-Layer Least Squares Support Vector Machine Approach to Credit Risk Assessment

Science.gov (United States)

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

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

Re-Designing Business Card Advertisements.

Science.gov (United States)

Schaub, Laura

2001-01-01

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

Determinants of debit cards acceptance: An empirical investigation

International Nuclear Information System (INIS)

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

Determinants of debit cards acceptance: An empirical investigation

Energy Technology Data Exchange (ETDEWEB)

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

2014-12-04

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

Determinants of debit cards acceptance: An empirical investigation

Science.gov (United States)

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

2014-12-01

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

Refundable Tax Credits

OpenAIRE

Congressional Budget Office

2013-01-01

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

CRISTAL V1: Criticality package for burn up credit calculations

International Nuclear Information System (INIS)

Gomit, Jean-Michel; Cousinou, Patrick; Gantenbein, Francoise; Diop, Cheikh; Fernandez de Grado, Guy; Mijuin, Dominique; Grouiller, Jean-Paul; Marc, Andre; Toubon, Herve

2003-01-01

The first version of the CRISTAL package, created and validated as part of a joint project between IRSN, COGEMA and CEA, was delivered to users in November 1999. This fruitful cooperation between IRSN, COGEMA and CEA has been pursued until 2003 with the development and the validation of the package CRISTAL V1, whose main objectives are to improve the criticality safety studies including the Burn up Credit effect. (author)

Health care report cards: what about consumers' perspectives?

Science.gov (United States)

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.

EuCARD final project report

CERN Document Server

Koutchouk, J P

2014-01-01

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

Diseño de un plan de marketing para el producto corporativo de la Tarjeta Pacificard S.A. en la ciudad de Quito

OpenAIRE

Escalante Ambuludi, Carol Silvana; Vaca Morales, Andrea Patricia

2013-01-01

PacifiCard S.A. is an Ecuadorian company founded in 1980, belongs to the Pacific Bank Financial Group and is dedicated to issuing MasterCard and Visa. Currently, it is the second credit card company in Ecuador that puts 8000 cards and has 450,000 active accounts. Pacificard offers the market a wide range of products such as credit card MasterCard or Visa Corporate is designed especially for corporate executives. PacifiCard S.A. es una ...

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

Science.gov (United States)

2010-04-08

... Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC & Associates, Inc... collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager'') and WNC & Associates, Inc... credit under the Internal Revenue Code of 1986, as amended. The Manager is a California limited liability...

Introduction of Credit Derivatives and Valuation of Credit Default Swap

OpenAIRE

Han, Lu

2006-01-01

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

MINAT KEPEMILIKAN KARTU KREDIT (STUDI KASUS KOTA BOGOR

Directory of Open Access Journals (Sweden)

Bunga Ayu Lestari

2017-01-01

Full Text Available The growth of the credit card ownership in 2014 is not suitable with the projection of Bank Indonesia (BI.  This issue influences the program of the government regarding cash leash society and the effectiveness of BI’s regulation on credit card.  It is not clear whether the growth is from the new credit card owners or the existing owners.  This is possible because the marketers often offer the credit card to existing owners who have already credit cards.  The objective of the research is to analyze the factors of the people’s interest in possessing a credit card in Bogor.  The analysis used is Planned Behavior Theory, statistical analysis and structural equation modeling (SEM.  The result shows that only 17% of the people are interested in owning a credit card.  Based on the statistical analysis using SEM shows that behavior, norm, and controlling behavior are significant and positive to the owning of the credit card.  The behavior control through indicators presented  fewer people using credit card in the environment of consumer is a determinant  factor in influencing the interest on ownership of the credit card.Keywords: theory planned behavior (TPB, consumer behavior, SEM credit cardAbstrakPertumbuhan kepemilikan kartu kredit sepanjang tahun 2014 tidak sesuai dengan proyeksi Bank Indonesia (BI. Hal ini tentunya berdampak pada program pemerintah mengenai cash lessh society dan keefektifan peraturan BI terkait kartu kredit. Selain itu, belum diketahui juga secara pasti pertumbuhan tersebut datang dari pemilik baru atau justru pengguna eksisting. Hal ini dimungkinkan karena pihak marketing umumnya memasarkan kartu kredit pada nasabah yang sebelumnya telah memiliki kartu kredit. Tujuan dari penelitian ini adalah menganalisis faktor-faktor yang menentukan minat seseorang dalam memiliki kartu kredit dengan mengambil studi kasus kota Bogor. Analisis yang digunakan dalam penelitian ini adalah  Model Teori Planned Behavior (TPB

12 CFR Appendix B to Part 31 - Comparison of Selected Provisions of Part 31 and Part 32 (as of October 1, 1996)

Science.gov (United States)

2010-01-01

... so would be inconsistent with safe and sound banking practices. Credit card indebtedness An insider may incur up to $15,000 in debt on a credit card or similar open-end credit plan offered by the insider's bank without the debt counting as an extension of credit under Part 31. The terms of the credit...

Augmenting C-cards with music actions

DEFF Research Database (Denmark)

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

2006-01-01

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

Prepaid cards: vulnerable to money laundering?

OpenAIRE

Stanley J. Sienkiewicz

2007-01-01

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

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

Science.gov (United States)

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

2017-01-01

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

Implementing a High-Assurance Smart-Card OS

Science.gov (United States)

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.

22 CFR 50.9 - Card of identity.

Science.gov (United States)

2010-04-01

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

It's All in the Cards.

Science.gov (United States)

Burke, Jim

2002-01-01

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

Credit securitization and credit derivatives: Financial instruments and the credit risk management of middle market commercial loan portfolios

OpenAIRE

Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd

1998-01-01

Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...

Modernization of credit relations

Directory of Open Access Journals (Sweden)

S.V. Volosovich

2015-03-01

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

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

Science.gov (United States)

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...

Wallet Card

Data.gov (United States)

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

46 CFR 154.1814 - Cargo information cards.

Science.gov (United States)

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...

A Comparison of Card-sorting Analysis Methods

DEFF Research Database (Denmark)

Nawaz, Ather

2012-01-01

This study investigates how the choice of analysis method for card sorting studies affects the suggested information structure for websites. In the card sorting technique, a variety of methods are used to analyse the resulting data. The analysis of card sorting data helps user experience (UX......) 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...

Puppet Visual Adaptation on Playing Cards as Educational Media

Directory of Open Access Journals (Sweden)

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.

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

HR DIVISION

2000-01-01

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

One-Card Programs Boast Endless Options.

Science.gov (United States)

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)

Problem and solution of tally segment card in MCNP code

International Nuclear Information System (INIS)

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)

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

NARCIS (Netherlands)

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

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

OpenAIRE

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...

NCDC Punched Card Inventory - 1950s

Data.gov (United States)

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

Mathematical card magic fifty-two new effects

CERN Document Server

Mulcahy, Colm

2013-01-01

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

Smart Card sebagai Pengaman Sepeda Motor Berbasis Mikrokontroler

OpenAIRE

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...

Insuficiencia cardíaca y diabetes

OpenAIRE

Jorge Thierer

2006-01-01

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

Insuficiencia cardíaca y diabetes

OpenAIRE

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...

Multichannel low power time-to-digital converter card with 21 ps precision and full scale range up to 10 μs

International Nuclear Information System (INIS)

Tamborini, D.; Portaluppi, D.; Villa, F.; Tosi, A.; Tisa, S.

2014-01-01

We present a Time-to-Digital Converter (TDC) card with a compact form factor, suitable for multichannel timing instruments or for integration into more complex systems. The TDC Card provides 10 ps timing resolution over the whole measurement range, which is selectable from 160 ns up to 10 μs, reaching 21 ps rms precision, 1.25% LSB rms differential nonlinearity, up to 3 Mconversion/s with 400 mW power consumption. The I/O edge card connector provides timing data readout through either a parallel bus or a 100 MHz serial interface and further measurement information like input signal rate and valid conversion rate (typically useful for time-correlated single-photon counting application) through an independent serial link

Multichannel low power time-to-digital converter card with 21 ps precision and full scale range up to 10 μs

Energy Technology Data Exchange (ETDEWEB)

Tamborini, D., E-mail: davide.tamborini@polimi.it; Portaluppi, D.; Villa, F.; Tosi, A. [Politecnico di Milano, Dipartimento di Elettronica, Informazione e Bioingegneria, Piazza Leonardo Da Vinci 32, 20133 Milano (Italy); Tisa, S. [Micro Photon Devices, via Stradivari 4, 39100 Bolzano (Italy)

2014-11-15

We present a Time-to-Digital Converter (TDC) card with a compact form factor, suitable for multichannel timing instruments or for integration into more complex systems. The TDC Card provides 10 ps timing resolution over the whole measurement range, which is selectable from 160 ns up to 10 μs, reaching 21 ps rms precision, 1.25% LSB rms differential nonlinearity, up to 3 Mconversion/s with 400 mW power consumption. The I/O edge card connector provides timing data readout through either a parallel bus or a 100 MHz serial interface and further measurement information like input signal rate and valid conversion rate (typically useful for time-correlated single-photon counting application) through an independent serial link.

Multichannel low power time-to-digital converter card with 21 ps precision and full scale range up to 10 μs.

Science.gov (United States)

Tamborini, D; Portaluppi, D; Villa, F; Tisa, S; Tosi, A

2014-11-01

We present a Time-to-Digital Converter (TDC) card with a compact form factor, suitable for multichannel timing instruments or for integration into more complex systems. The TDC Card provides 10 ps timing resolution over the whole measurement range, which is selectable from 160 ns up to 10 μs, reaching 21 ps rms precision, 1.25% LSB rms differential nonlinearity, up to 3 Mconversion/s with 400 mW power consumption. The I/O edge card connector provides timing data readout through either a parallel bus or a 100 MHz serial interface and further measurement information like input signal rate and valid conversion rate (typically useful for time-correlated single-photon counting application) through an independent serial link.

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

Science.gov (United States)

2011-07-12

... Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC National Partners... (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager 2, LLC (the ``Manager''), WNC National Partners, LLC (``WNC National Partners'') and WNC & Associates, Inc...

Implementation of burnup credit in spent fuel management systems. Proceedings of an advisory group meeting

International Nuclear Information System (INIS)

1998-04-01

The criticality safety analysis of spent fuel systems has traditionally assumed that the fuel is fresh. This results in significant conservatism in the calculated value of the system's reactivity. Improved calculational methods allows one to take credit for the reactivity reduction associated with fuel burnup, hence reducing the analysis conservatism while maintaining an adequate criticality safety margin. Motivation for using burnup credit in criticality safety applications is generally based on economic considerations. Although economics may be a primary factor in deciding to use burnup credit, other benefits may be realized. Many of the additional benefits of burnup credit that are not strictly economic, may be considered to contribute to public health and safety, and resource conservation and environmental quality. Interest in the implementation of burnup credit has been shown by many countries. A summary of the information gathered by the IAEA about ongoing activities and regulatory status of burnup credit in different countries is included. Burnup credit implementation introduces new parameters and effects that should be addressed in the criticality analysis (e.g., axial and radial burnup shapes, fuel irradiation history, and others). Analysis of these parameters introduces new variations as well as the uncertainties, that should be considered in the safety assessment of the system. Also, the need arises to validate the isotopic composition that results from a depletion calculation, as well as to extend the current validation range of criticality codes to cover spent fuel. The use of burnup credit implies a verification of the fuel burnup before loading for transport, storage, disposal, or reprocessing each assembly, to make sure that the burnup level achieved complies with the criteria established. Methods and procedures used in different countries are described in this report

Implementation of burnup credit in spent fuel management systems. Proceedings of an advisory group meeting

Energy Technology Data Exchange (ETDEWEB)

NONE

1998-04-01

The criticality safety analysis of spent fuel systems has traditionally assumed that the fuel is fresh. This results in significant conservatism in the calculated value of the system`s reactivity. Improved calculational methods allows one to take credit for the reactivity reduction associated with fuel burnup, hence reducing the analysis conservatism while maintaining an adequate criticality safety margin. Motivation for using burnup credit in criticality safety applications is generally based on economic considerations. Although economics may be a primary factor in deciding to use burnup credit, other benefits may be realized. Many of the additional benefits of burnup credit that are not strictly economic, may be considered to contribute to public health and safety, and resource conservation and environmental quality. Interest in the implementation of burnup credit has been shown by many countries. A summary of the information gathered by the IAEA about ongoing activities and regulatory status of burnup credit in different countries is included. Burnup credit implementation introduces new parameters and effects that should be addressed in the criticality analysis (e.g., axial and radial burnup shapes, fuel irradiation history, and others). Analysis of these parameters introduces new variations as well as the uncertainties, that should be considered in the safety assessment of the system. Also, the need arises to validate the isotopic composition that results from a depletion calculation, as well as to extend the current validation range of criticality codes to cover spent fuel. The use of burnup credit implies a verification of the fuel burnup before loading for transport, storage, disposal, or reprocessing each assembly, to make sure that the burnup level achieved complies with the criteria established. Methods and procedures used in different countries are described in this report. Refs, figs, tabs.

Joint replenishment and credit policies under two levels of trade credit financing when demand and bad-debt loss depends upon credit period

Directory of Open Access Journals (Sweden)

Aggarawal K.K.

2016-01-01

Full Text Available In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a certain fraction of buyers will undoubtedly be unable to pay off their debt obligations and become bad debt loss to the firm. In this paper, using discounted cash flow (DCF approach, a mathematical model is developed to jointly determine optimal inventory and credit policies under two levels of trade credit financing when demand and bad-debt losses are dependent on credit period. The objective of the model is to maximize the present value of firm’s net profit per unit time by jointly optimizing the replenishment interval and date-terms credit period. Numerical examples and sensitivity analysis are presented to illustrate the effectiveness of the proposed model, and the results are discussed.

PC add on card for processing of LSC signals

International Nuclear Information System (INIS)

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)

Security Enhanced EMV-Based Mobile Payment Protocol

Directory of Open Access Journals (Sweden)

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.

Feocromocitoma cardíaco

Directory of Open Access Journals (Sweden)

Gustavo L. Knop

2006-01-01

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

75 FR 81721 - Debit Card Interchange Fees and Routing

Science.gov (United States)

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...

Student ID Cards: What You Should Know About Them

Science.gov (United States)

Hoffman, Jonathan; McGuire, Agnes C.

1973-01-01

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

Rural Credit in Vietnam

DEFF Research Database (Denmark)

Barslund, Mikkel Christoffer; Tarp, Finn

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

Investigation of Burnup Credit Issues in BWR Fuel

International Nuclear Information System (INIS)

Broadhead, B.L.; DeHart, M.D.

1999-01-01

Calculations for long-term-disposal criticality safety of spent nuclear fuel requires the application of burnup credit because of the large mass of fissile material that will be present in the repository. Burnup credit calculations are based on depletion calculations that provide a conservative estimate of spent fuel contents, followed by criticality calculations to assess the value of keff for a spent fuel cask or a fuel configuration under a variety of probabilistically derived events. In order to ensure that the depletion calculation is conservative, it is necessary to both qualify and quantify assumptions that can be made in depletion models used to characterize spent fuel. Most effort in the United States this decade has focused on burnup issues related to pressurized-water reactors. However, requirements for the permanent disposal of fuel from boiling-water reactors has necessitated development of methods for prediction of spent fuel contents for such fuels. Concomitant with such analyses, validation is also necessary. This paper provides a summary of initial efforts at the Oak Ridge National Laboratory to better understand and validate spent fuel analyses for boiling-water-reactor fuel

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

HR Division

2000-01-01

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

RENEWAL OF SWISS LEGITIMATION CARDS

CERN Multimedia

Division des Ressources Humaines

2000-01-01

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

Validation of a novel attentional bias modification task: the future may be in the cards.

Science.gov (United States)

Notebaert, Lies; Clarke, Patrick J F; Grafton, Ben; MacLeod, Colin

2015-02-01

Attentional bias modification (ABM) is a promising therapeutic tool aimed at changing patterns of attentional selectivity associated with heightened anxiety. A number of studies have successfully implemented ABM using the modified dot-probe task. However others have not achieved the attentional change required to achieve emotional benefits, highlighting the need for new ABM methods. The current study compared the effectiveness of a newly developed ABM task against the traditional dot-probe ABM task. The new person-identity-matching (PIM) task presented participants with virtual cards, each depicting a happy and angry person. The task encourages selective attention toward or away from threat by requiring participants to make matching judgements between two cards, based either on the identities of the happy faces, or of the angry faces. Change in attentional bias achieved by both ABM tasks was measured by a dot-probe assessment task. Their impact on emotional vulnerability was assessed by measuring negative emotional reactions to a video stressor. The PIM task succeeded in modifying attentional bias, and exerting an impact on emotional reactivity, whereas this was not the case for the dot-probe task. These results are considered in relation to the potential clinical utility of the current task in comparison to traditional ABM methodologies. Copyright © 2014 Elsevier Ltd. All rights reserved.

The possibility of using "Job Card" for career education

OpenAIRE

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...

Determinants of Debt: An Econometric Analysis Based on the Cyprus Survey of Consumer Finances

Directory of Open Access Journals (Sweden)

Michalis Petrides

2008-03-01

Full Text Available This work is based on the Cyprus Survey of Consumer Finances (CySCF and focuses on the investigation of home secured loans and consumer credit card outstanding balances among Cypriot families. The CySCF runs on a triennial basis with the first database created in 1999 (CySCF1999. According to CySCF1999 and CySCF2002, the overall participation in home secured debt among all families declined from 29.95% in 1999 and 29.77% in 2002 to 25.77% in 2005 (CySCF2005. Credit cards were introduced in the early 1980s and grew significantly during the 1990s. The overall percentage of Cypriot households holding credit cards is estimated at 41.7% for 1999, 50% for 2002, and 48% for 2005. This work deals with the econometric analysis of home secured loans and consumer credit card outstanding balances and it provides results based on logit models. The main variables selected for home secured loans are the age, family status, specific attitude toward credit, employment status, and income. The resulting model exhibits a polynomial behaviour of degree two with respect to age. The main variables for consumer credit card balances are the age, education, general attitude, income code, home secured loans and riskiness. Worth noting is the high probability of having credit card balances for those households where the economically dominant unit is of low age with a positive attitude towards credit.

Disruption - Access cards service

CERN Multimedia

2014-01-01

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

Credit Participation and Credit Source Selection of Vietnam Small and Medium Enterprises

Directory of Open Access Journals (Sweden)

Nguyen Anh Hoang

2014-10-01

Full Text Available This study is an attempt to investigate the motivation behind the decision to participate in the credit market of SMEs from perspectives of behavioral finance and social capital theories. In addi- tion, the study also examines the effect of behavioral finance and social capital factors on the credit source selection among SMEs. This study’s design strategy involves conducting questionnaire sur- veys to SMEs owners and statistical techniques to analyze the determinants of credit participation and credit source selection of borrowers. The findings showed that personal traits of SMEs owners/ managers in terms of behavioral finance factors such as debt and risk attitudes, present biased and overconfidence and firms networking also have impacts on the firms’ credit participation and credit source selection. The research is one of the few studies that consider the influence of behavioral finance factors on firms financing decision. Furthermore, our result also contributes to explain the common use of informal credit market in developing countries.

Burnup credit feasibility for BWR spent fuel shipments

International Nuclear Information System (INIS)

Broadhead, B.L.

1990-01-01

Considerable interest in the allowance of reactivity credit for the exposure history of power reactor fuel currently exists. This ''burnup credit'' issue has the potential to greatly reduce risk and cost when applied to the design and certification of spent of fuel casks used for transportation and storage. Analyses 1 have shown the feasibility estimated the risk and economic incentives for allowing burnup credit in pressurized water reactor (PWR) spent fuel shipping cask applications. This paper summarizes the extension of the previous PWR feasibility assessments to boiling water reactor (BWR) fuel. As with the PWR analysis, the purpose was not verification of burnup credit (see ref. 2 for ongoing work in this area) but a reasonable assessment of the feasibility and potential gains from its use in BWR applications. This feasibility analysis aims to apply simple methods that adequately characterize the time-dependent isotopic compositions of typical BWR fuel. An initial analysis objective was to identify a simple and reliable method for characterizing BWR spent fuel. The method includes characterization of a typical pin-cell spectrum, using a one-dimensional (1-D) model of a BWR assembly. The calculated spectrum allows burnup-dependent few-group material constants to be generated. Point depletion methods were then used to obtain the time-varying characteristics of the fuel. These simple methods were validated, where practical, with multidimensional methods. 6 refs., 1 tab

'Smart card' speeds triage, boosts safety.

Science.gov (United States)

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.

78 FR 39020 - Market Test on Gift Cards

Science.gov (United States)

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...

Credit Risk Research

DEFF Research Database (Denmark)

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

2018-01-01

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

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

Science.gov (United States)

Willey, Lorrie; White, Barbara Jo

2013-01-01

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

Review of Technical Studies in the United States in Support of Burnup Credit Regulatory Guidance

International Nuclear Information System (INIS)

Wagner, John C.; Parks, Cecil V.; Mueller, Don; Gauld, Ian C.

2010-01-01

Taking credit for the reduction in reactivity associated with fuel depletion can enable more cost-effective, higher-density storage, transport, disposal, and reprocessing of spent nuclear fuel (SNF) while maintaining sufficient subcritical margin to establish an adequate safety basis. Consequently, there continues to be considerable interest in the United States (U.S.), as well as internationally, in the increased use of burnup credit in SNF operations, particularly related to storage, transport, and disposal of commercial SNF. This interest has motivated numerous technical studies related to the application of burnup credit, both domestically and internationally, as well as the design of SNF storage, transport and disposal systems that rely on burnup credit for maintaining subcriticality. Responding to industry requests and needs, the U.S. Nuclear Regulatory Commission (NRC) initiated a burnup credit research program in 1999, with support from the Oak Ridge National Laboratory (ORNL), to develop regulatory guidance and the supporting technical bases for allowing and expanding the use of burnup credit in pressurized-water reactor SNF storage and transport applications. Although this NRC research program has not been continuous since its inception, considerable progress has been achieved in many key areas in terms of increased understanding of relevant phenomena and issues, availability of relevant information and data, and subsequently updated regulatory guidance for expanded use of burnup credit. This paper reviews technical studies performed by ORNL for the U.S. NRC burnup credit research program. Examples of topics include reactivity effects associated with reactor operating characteristics, fuel assembly characteristics, burnable absorbers, control rods, spatial burnup distributions, cooling time, and assembly misloading; methods and data for validation of isotopic composition predictions; methods and data for validation of criticality calculations; and

Assessment of DNA extracted from FTA® cards for use on the Illumina iSelect BeadChip

Science.gov (United States)

McClure, Matthew C; McKay, Stephanie D; Schnabel, Robert D; Taylor, Jeremy F

2009-01-01

Background As FTA® cards provide an ideal medium for the field collection of DNA we sought to assess the quality of genomic DNA extracted from this source for use on the Illumina BovineSNP50 iSelect BeadChip which requires unbound, relatively intact (fragment sizes ≥ 2 kb), and high-quality DNA. Bovine blood and nasal swab samples collected on FTA cards were extracted using the commercially available GenSolve kit with a minor modification. The call rate and concordance of genotypes from each sample were compared to those obtained from whole blood samples extracted by standard PCI extraction. Findings An ANOVA analysis indicated no significant difference (P > 0.72) in BovineSNP50 genotype call rate between DNA extracted from FTA cards by the GenSolve kit or extracted from whole blood by PCI. Two sample t-tests demonstrated that the DNA extracted from the FTA cards produced genotype call and concordance rates that were not different to those produced by assaying DNA samples extracted by PCI from whole blood. Conclusion We conclude that DNA extracted from FTA cards by the GenSolve kit is of sufficiently high quality to produce results comparable to those obtained from DNA extracted from whole blood when assayed by the Illumina iSelect technology. Additionally, we validate the use of nasal swabs as an alternative to venous blood or buccal samples from animal subjects for reliably producing high quality genotypes on this platform. PMID:19531223

Assessment of DNA extracted from FTA cards for use on the Illumina iSelect BeadChip.

Science.gov (United States)

McClure, Matthew C; McKay, Stephanie D; Schnabel, Robert D; Taylor, Jeremy F

2009-06-16

As FTA cards provide an ideal medium for the field collection of DNA we sought to assess the quality of genomic DNA extracted from this source for use on the Illumina BovineSNP50 iSelect BeadChip which requires unbound, relatively intact (fragment sizes >or= 2 kb), and high-quality DNA. Bovine blood and nasal swab samples collected on FTA cards were extracted using the commercially available GenSolve kit with a minor modification. The call rate and concordance of genotypes from each sample were compared to those obtained from whole blood samples extracted by standard PCI extraction. An ANOVA analysis indicated no significant difference (P > 0.72) in BovineSNP50 genotype call rate between DNA extracted from FTA cards by the GenSolve kit or extracted from whole blood by PCI. Two sample t-tests demonstrated that the DNA extracted from the FTA cards produced genotype call and concordance rates that were not different to those produced by assaying DNA samples extracted by PCI from whole blood. We conclude that DNA extracted from FTA cards by the GenSolve kit is of sufficiently high quality to produce results comparable to those obtained from DNA extracted from whole blood when assayed by the Illumina iSelect technology. Additionally, we validate the use of nasal swabs as an alternative to venous blood or buccal samples from animal subjects for reliably producing high quality genotypes on this platform.

Assessment of DNA extracted from FTA® cards for use on the Illumina iSelect BeadChip

Directory of Open Access Journals (Sweden)

Schnabel Robert D

2009-06-01

Full Text Available Abstract Background As FTA® cards provide an ideal medium for the field collection of DNA we sought to assess the quality of genomic DNA extracted from this source for use on the Illumina BovineSNP50 iSelect BeadChip which requires unbound, relatively intact (fragment sizes ≥ 2 kb, and high-quality DNA. Bovine blood and nasal swab samples collected on FTA cards were extracted using the commercially available GenSolve kit with a minor modification. The call rate and concordance of genotypes from each sample were compared to those obtained from whole blood samples extracted by standard PCI extraction. Findings An ANOVA analysis indicated no significant difference (P > 0.72 in BovineSNP50 genotype call rate between DNA extracted from FTA cards by the GenSolve kit or extracted from whole blood by PCI. Two sample t-tests demonstrated that the DNA extracted from the FTA cards produced genotype call and concordance rates that were not different to those produced by assaying DNA samples extracted by PCI from whole blood. Conclusion We conclude that DNA extracted from FTA cards by the GenSolve kit is of sufficiently high quality to produce results comparable to those obtained from DNA extracted from whole blood when assayed by the Illumina iSelect technology. Additionally, we validate the use of nasal swabs as an alternative to venous blood or buccal samples from animal subjects for reliably producing high quality genotypes on this platform.

8 CFR 1212.6 - Border crossing identification cards.

Science.gov (United States)

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...

76 FR 3180 - Market Test of Gift Cards

Science.gov (United States)

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...

Studi Perkembangan Pasar Smart Card Indonesia Pada Sektor Perbankan

OpenAIRE

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...

Establishing a Successful Smart Card Program.

Science.gov (United States)

Wiens, Janet

2001-01-01

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

Insuficiencia cardíaca y diabetes

Directory of Open Access Journals (Sweden)

Jorge Thierer

2006-01-01

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

CRC-cards for Product Modelling

DEFF Research Database (Denmark)

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

2003-01-01

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

Credit: A Teaching Unit.

Science.gov (United States)

Clanton, Brandolyn; And Others

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

Why do card issuers charge proportional fees?

OpenAIRE

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 ...

OPENING HOURS FOR CARDS OFFICE

CERN Multimedia

Human Resources Division

2001-01-01

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

Prototype ALICE front-end card

CERN Multimedia

Maximilien Brice

2004-01-01

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

Computational Benchmark for Estimation of Reactivity Margin from Fission Products and Minor Actinides in PWR Burnup Credit

International Nuclear Information System (INIS)

Wagner, J.C.

2001-01-01

This report proposes and documents a computational benchmark problem for the estimation of the additional reactivity margin available in spent nuclear fuel (SNF) from fission products and minor actinides in a burnup-credit storage/transport environment, relative to SNF compositions containing only the major actinides. The benchmark problem/configuration is a generic burnup credit cask designed to hold 32 pressurized water reactor (PWR) assemblies. The purpose of this computational benchmark is to provide a reference configuration for the estimation of the additional reactivity margin, which is encouraged in the U.S. Nuclear Regulatory Commission (NRC) guidance for partial burnup credit (ISG8), and document reference estimations of the additional reactivity margin as a function of initial enrichment, burnup, and cooling time. Consequently, the geometry and material specifications are provided in sufficient detail to enable independent evaluations. Estimates of additional reactivity margin for this reference configuration may be compared to those of similar burnup-credit casks to provide an indication of the validity of design-specific estimates of fission-product margin. The reference solutions were generated with the SAS2H-depletion and CSAS25-criticality sequences of the SCALE 4.4a package. Although the SAS2H and CSAS25 sequences have been extensively validated elsewhere, the reference solutions are not directly or indirectly based on experimental results. Consequently, this computational benchmark cannot be used to satisfy the ANS 8.1 requirements for validation of calculational methods and is not intended to be used to establish biases for burnup credit analyses

Are You Creditworthy?

Institute of Scientific and Technical Information of China (English)

无

2006-01-01

A central bank personal credit information database is set to help banks make informed decisions when approving credit cards or loans Deng Ming, a fresh graduate who works with a newspaper in Beijing, spends almost all her monthly salary. But she has 12 credit cards with credit lines ranging from 3,000 to 8,000 yuan, with the total credit line touching 60,000 yuan. Deng said she

The Role of Self-Monitoring in Assessing Individual Students' Quantity and Quality of Comments in Large-Class Discussion

Science.gov (United States)

Carstens, B. A.; Wright, J. M.; Coles, J. T.; McCleary, L. N.; Williams, R. L.

2013-01-01

This study developed a reliable and valid self-monitoring procedure for student use in recording and rating the quality of their individual comments in large college classes. Students used daily record cards immediately to record and rate each comment they made each day. However, a limit was set on the amount of credit students could claim for…

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

Science.gov (United States)

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

2006-02-01

To investigate the impacts of the first phase of Taiwan's Bureau of National Health Insurance (TBNHI) smart card project on existing hospital information systems. TBNHI has launched a nationwide project for replacement of its paper-based health insurance cards by smart cards (or NHI-IC cards) since November 1999. The NHI-IC cards have been used since 1 July 2003, and they have fully replaced the paper-based cards since 1 January 2004. Hospitals must support the cards in order to provide medical services for insured patients. We made a comprehensive study of the current phase of the NHI-IC card system, and conducted a questionnaire survey (from 1 October to 30 November, 2003) to investigate the impacts of NHI-IC cards on the existing hospital information systems. A questionnaire was distributed by mail to 479 hospitals, including 23 medical centers, 71 regional hospitals, and 355 district hospitals. The returned questionnaires were also collected by prepaid mail. The questionnaire return rates of the medical centers, regional hospitals and district hospitals were 39.1, 29.6 and 20.9%, respectively. In phase 1 of the project, the average number of card readers purchased per medical center, regional hospital, and district hospital were 202, 45 and 10, respectively. The average person-days for the enhancement of existing information systems of a medical center, regional hospital and district hospital were 175, 74 and 58, respectively. Three months after using the NHI-IC cards most hospitals (60.6%) experienced prolonged service time for their patients due to more interruptions caused mainly by: (1) impairment of the NHI-IC cards (31.2%), (2) failure in authentication of the SAMs (17.0%), (3) malfunction in card readers (15.3%) and (4) problems with interfaces between the card readers and hospital information systems (15.8%). The overall hospital satisfaction on the 5-point Likert scale was 2.86. Although most hospitals were OK with the project, there was about 22

Loyalty Card Promotional Activity in Budget Hotel

OpenAIRE

Teng, Fei

2010-01-01

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

Comparison of analysis methods for burnup credit applications

International Nuclear Information System (INIS)

Sanders, T.L.; Brady, M.C.; Renier, J.P.; Parks, C.V.

1989-01-01

The current approach used for the development and certification of spent fuel storage and transport casks requires an assumption of fresh fuel isotopics in the criticality safety analysis. However, it has been shown that there is a considerable reactivity reduction when the isotopics representative of the depleted (or burned) fuel are used in a criticality analysis. Thus, by taking credit for the burned state of the fuel (i.e., burnup credit), a cask designer could achieve a significant increase in payload. Accurate prediction of k eff for spent fuel arrays depends both on the criticality safety analysis and the prediction of the spent fuel isotopics via a depletion analysis. Spent fuel isotopics can be obtained from detailed multidimensional reactor analyses, e.g. the code PDQ, or from point reactor burnup models. These reactor calculations will help verify the adequacy of the isotopics and determine Δk eff biases for various analysis assumptions (with and without fission products, actinide absorbers, burnable poison rods, etc.). New software developed to interface PDQ multidimensional isotopics with KENO V.a reactor and cask models is described. Analyses similar to those performed for the reactor cases are carried out with a representative burnup credit cask model using the North Anna fuel. This paper presents the analysis methodology that has been developed for evaluating the physics issues associated with burnup credit. It is applicable in the validation and characterization of fuel isotopics as well as in determining the influence of various analysis assumptions in terms of δk eff . The methodology is used in the calculation of reactor restart criticals and analysis of a typical burnup credit cask

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

Directory of Open Access Journals (Sweden)

Ljubić Marijana

2015-01-01

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

Benefits of Using Vocabulary Flash Cards in an EFL Classroom

OpenAIRE

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...

Firewall Mechanism in a User Centric Smart Card Ownership Model

OpenAIRE

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...

Fission Product Experimental Program: Validation and Computational Analysis

Energy Technology Data Exchange (ETDEWEB)

Leclaire, N.; Ivanova, T.; Letang, E. [Inst Radioprotect and Surete Nucl, F-92262 Fontenay Aux Roses (France); Girault, E. [CEA Valduc, Serv Rech Neutron and Critcite, 21 - Is-sur-Tille (France); Thro, J. F. [AREVA NC, F-78000 Versailles (France)

2009-02-15

From 1998 to 2004, a series of critical experiments referred to as the fission product (FP) experimental program was performed at the Commissariat a l'Energie Atomique Valduc research facility. The experiments were designed by Institut de Radioprotection et de Surete Nucleaire (IRSN) and funded by AREVA NC and IRSN within the French program supporting development of a technical basis for burnup credit validation. The experiments were performed with the following six key fission products encountered in solution either individually or as mixtures: {sup 103}Rh, {sup 133}Cs, {sup nat}Nd, {sup 149}Sm, {sup 152}Sm, and {sup 155}Gd. The program aimed at compensating for the lack of information on critical experiments involving FPs and at establishing a basis for FPs credit validation. One hundred forty-five critical experiments were performed, evaluated, and analyzed with the French CRISTAL criticality safety package and the American SCALE5. 1 code system employing different cross-section libraries. The aim of the paper is to show the experimental data potential to improve the ability to perform validation of full burnup credit calculation. The paper describes three Phases of the experimental program; the results of preliminary evaluation, the calculation, and the sensitivity/uncertainty study of the FP experiments used to validate the APOLLO2-MORET 4 route in the CRISTAL criticality package for burnup credit applications. (authors)

Tumores cardíacos primarios

Directory of Open Access Journals (Sweden)

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.

Credit derivatives in emerging markets

OpenAIRE

Romain Rancière

2002-01-01

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

Enhancing Students' Learning: Instant Feedback Cards

Science.gov (United States)

Mohrweis, Lawrence C.; Shinham, Kathe M.

2015-01-01

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

Four Popular Books on Consumer Debt: A Context for Quantitative Literacy

Directory of Open Access Journals (Sweden)

Andrew J. Miller

2011-01-01

Full Text Available The topics of credit cards, mortgages, subprime lending, and fringe banking are rich sources of problems and discussions for classes focused on quantitative literacy. In this theme book review, we look at four recent books on the consumer debt industry: Credit Card Nation, by Robert Manning; Maxed Out, by James Scurlock; Collateral Damaged, by Charles Geisst; and Broke, USA, by Gary Rivlin. Credit Card Nation takes a scholarly look at the history of credit in America with a focus on the genesis and growth of the credit card industry up to the turn of the 20th century. Maxed Out also examines the credit card industry, but its approach is to highlight the stories of individuals struggling with debt and thereby examine some of the damaging effects of credit card debt in the United States. Collateral Damaged is a timely exploration of the root causes at the institutional level of the credit crisis that began in 2008. Broke USA focuses on high-cost financing (pawn shops, payday loans, title loans, describing the history of what Rivlin calls the "poverty industry" and the political and legal challenges critics have mounted against the industry. Each of these books has something to offer a wide variety of quantitative literacy classes, providing scenarios, statistics, and problems worthy of examination. After reviewing each of the four books, we provide several examples of such quantitative literacy applications and close with some thoughts on the relationship between financial literacy and quantitative literacy.

Family Registration Card as electronic medical carrier in Bosnia and Herzegovina.

Science.gov (United States)

Novo, Ahmed; Masic, Izet; Toromanovic, Selim; Loncarevic, Nedim; Junuzovic, Dzelaludin; Dizdarevic, Jadranka

2004-01-01

Medical documentation is a very important part of the medical documentalistics and is occupies a large part of daily work of medical staff working in Primary Health Care. Paper documentation is going to be replaced by electronic cards in Bosnia and Herzegovina and a new Health Care System is under development, based on an Electronic Family Registration Card. Developed countries proceeded from the manual and semiautomatic method of medical data processing to the new method of entering, storage, transferring, searching and protecting data, using electronic equipment. Currently, many European countries have developed a Medical Card Based Electronic Information System. Three types of electronic card are currently in use: a Hybrid Card, a Smart Card and a Laser Card. The dilemma is which card should be used as a data carrier. The Electronic Family Registration Cared is a question of strategic interest for B&H, but also a great investment. We should avoid the errors of other countries that have been developing card-based system. In this article we present all mentioned cards and compare advantages and disadvantages of different technologies.

PENGARUH PERMAINAN CALL CARDS TERHADAP HASIL BELAJAR DAN AKTIVITAS PEMBELAJARAN BIOLOGI

Directory of Open Access Journals (Sweden)

A. Machin

2012-10-01

Full Text Available Tujuan penelitian untuk mengetahui pengaruh permainan call cards terhadap hasil belajar dan aktivitas pembelajaran. Aktivitas pembelajaran yang diukur meliputi aktivitas individual siswa dan kinerja guru. Penelitian ini merupakan penelitian eksperimental. Hasil penelitian menunjukkan bahwa media permainan call cards berkontribusi sebesar 46% terhadap hasil belajar siswa. Hasil belajar siswa yang diberi media permainan call cards lebih baik daripada hasil belajar siswa yang tidak diberi mediapermainan call cards. Dengan demikian, media permainan call cards dapat menjadi alternatif dalam pencapaian hasil belajar biologi yang lebih baik.   Research purposes to determine the effect of call cards game against learning outcomes and learning activities. Learning activities that were measured included the activity of individual student and teacher performance. This research was experimental. The results showed that the media play call cards account for 46% of the student learning outcomes. Learning outcomes of students who were given media cards call the game better than the learning outcomes of students who were not given mediapermainan call cards. Thus, the media play call cards can be an alternative in achieving the learning outcomes of biology better.

Evaluation of ICT filariasis card test using whole capillary blood: comparison with Knott's concentration and counting chamber methods.

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Njenga, S M; Wamae, C N

2001-10-01

An immunochromatographic card test (ICT) that uses fingerprick whole blood instead of serum for diagnosis of bancroftian filariasis has recently been developed. The card test was validated in the field in Kenya by comparing its sensitivity to the combined sensitivity of Knott's concentration and counting chamber methods. A total of 102 (14.6%) and 117 (16.7%) persons was found to be microfilaremic by Knott's concentration and counting chamber methods, respectively. The geometric mean intensities (GMI) were 74.6 microfilariae (mf)/ml and 256.5 mf/ml by Knott's concentration and counting chamber methods, respectively. All infected individuals detected by both Knott's concentration and counting chamber methods were also antigen positive by the ICT filariasis card test (100% sensitivity). Further, of 97 parasitologically amicrofilaremic persons, 24 (24.7%) were antigen positive by the ICT. The overall prevalence of antigenemia was 37.3%. Of 100 nonendemic area control persons, none was found to be filarial antigen positive (100% specificity). The results show that the new version of the ICT filariasis card test is a simple, sensitive, specific, and rapid test that is convenient in field settings.

Sample Development on Java Smart-Card Electronic Wallet Application

OpenAIRE

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 ...

Australian healthcare: a smart card for a clever country.

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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.

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

African Journals Online (AJOL)

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 ...

The influence of sovereign credit ratings on corporate credit ratings.

OpenAIRE

Umutoni, Liliane

2017-01-01

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

Validation of non-formal and informal learning from a European perspective – linking validation arrangements with national qualifications frameworks

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Borut Mikulec

2015-12-01

Full Text Available The paper analyses European policy on the validation of non-formal and informal learning, which is presented as a “salvation narrative” that can improve the functioning of the labour market, provide a way out from unemployment and strengthen the competitiveness of the economy. Taking as our starting point recent findings in adult education theory on the validation of non-formal and informal learning, we aim to prove the thesis that what European validation policy promotes is above all economic purpose and that it establishes a “Credential/Credit-exchange” model of validation of non-formal and informal learning. We proceed to ecxamine the effect of European VNIL policy in selected European countries where validation arrangements are linked to the qualifications framework. We find that the “Credential/ Credit-exchange” validation model was first established in a few individual European countries and then transferred, as a “successful” model, to the level of common European VNIL policy.

Introducing Teamwork Challenges in Simulation Using Game Cards.

Science.gov (United States)

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.

Credit risk management in banks