there are different strategies for selecting stocks, and different investors use different strategies according to their risk tolerance or their expected rate of return. in this study, the profitability of a broad range of stock se-lection strategies in tehran stock exchange over the period 1370-1383, has been examined, and it has been investigated whether the successful strategies in other cou...

The purpose of this study was to determine the effect Card Sort type as active learning strategy on interests and responses class IV students at an elementary school in Wonoayu, Sidoarjo. It analyzed social studies subject matter which aimed find out how influence students’ responses. population 20 students, consisting 8 male 12 female students. This used a saturated sample from those samples' ...

This paper constructs a multiple regression model to evaluate the overdue risk of credit card holders. The results can identify the factors influencing the credit card holders’ overdue risk behavior in order to provide card issuing banks a decision-making reference in the investigation of credit card holders’ related characteristics and the relationship quality between the credit card holders a...

Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the schem...

changes in credit risk may arise when either the value or the risk of corporate assets changes. changes in the equity value associated with the changes in the asset value and changes in asset risk can be characterized into potentially countervailing direct and indirect effects. the indirect effect of risk on equity value is a function of factors that affect the debt value of including leverage,...

Credit card is one of the convenient way of payment in online shopping. In this on line shopping, payment is made by giving information like card no, security code , expiration date of the Credit card etc . To rectify the risk factors of using the credit card, every card holder’s spending method is modeled by using HMM. By using this authenticated security check the information of transaction i...

performance evaluation of different organizations, is considered as a very important issue in the present literature. among the organizations, insurance companies, as part of protective services and with compensating roles in the economy of each country, have been studied extensively. it is maintained that successful operation of these industries will motivate other industries as well. in order...

This paper presents an open protocol for interoperability across multi-vendor programmable smart cards. It allows exposition of on-card storage and cryptographic services to host applications in a unified, card-independent way. Its design, inspired by the standardization of on-card Java language and cryptographic API, has been kept as generic and modular as possible. The protocol security model...

This work proposes a methodology for the rigorous development of Java Card smart card applications, using the B Method. Its main feature is to abstract the particularities of Java Card and smart card aware applications from the specifier as much as possible. In the proposed approach, the specification of the aplication logic needs not be preoccupied with the specific aspects of the Java Card pl...