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Journal articles on the topic 'Card account'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Islam, Samsul. "Credit card account opening excellence using six sigma methodology." International Journal of Lean Six Sigma 7, no. 3 (2016): 294–323. http://dx.doi.org/10.1108/ijlss-08-2015-0029.

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Purpose This study aims to expand the current knowledge of the Six Sigma approach in a period of time when there is little direct evidence of the need to improve the credit card account opening process. This is an important but neglected area of focus in the Six Sigma literature. This study explores the extent to which process improvement practices are extended to the credit card department. Design/methodology/approach A case study methodology is adopted in this study to facilitate an exploration of the implemented Six Sigma approach in the credit card department of a leading commercial bank.

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2

Zhang, Pu. "Design and Realization of the Credit Card Management System." Advanced Materials Research 1044-1045 (October 2014): 1730–32. http://dx.doi.org/10.4028/www.scientific.net/amr.1044-1045.1730.

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For the convenience of customers and bank managers to the management of credit card, credit card management system includes client money query, customer consumption management, credit card accounts, sales management, credit ratings, statistics report, the number of overdraft statistical function module, etc. This design USES the ACCESS to do background database, using vc + + development environment, combined with a c + + programming language implementation. The credit card information query and statistics report, open an account pin is the characteristics of this system. In particular System "

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Prajakta, Shashikant Sugandhi, S. Surve Aryan, S. Shirgire Soham, and D. Javir Suraj. "Fake Instagram Account Detection." Journal of Advances in Computational Intelligence Theory 6, no. 2 (2024): 1–15. https://doi.org/10.5281/zenodo.10846585.

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<em>With the coming of the Internet and social media, while hundreds of people have availed from the vast sources of information obtainable, there has been an immeasurable enlarge in the rise of cyber-crimes. According to a 2019 report in the Economics Times, India has witnessed a 457% rise in cybercrime in the five years between 2011 and 2016. Most guesses that this is due to the impact of social media such as Instagram on our daily lives. While these help in creating a sound social network, the creation of user accounts on these sites usually needs just an email. A real-life person can creat

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Gangadhar, J., Kumar Prashanth, VD Tejus, R. Chandrika, and K. M. Godavari. "Single ATM for Multiple Bank Accounts Using RFID." Journal of Scholastic Engineering Science and Management (JSESM), A Peer Reviewed Refereed Multidisciplinary Research Journal 4, no. 1 (2025): 67–75. https://doi.org/10.5281/zenodo.14789687.

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RFID-enabled ATMs offer a streamlined and secure way to manage multiple bank accounts.  Instead of juggling numerous cards, users can access all their accounts with a single RFID card or mobile device.  Tapping this device on the ATM instantly connects to the bank's network, allowing users to select the desired account.  This eliminates the need for multiple PINs and reduces transaction time.  RFID technology enhances security through encryption and advanced authentication, minimizing the risk of card skimming and fraud.  This unified access simplifies banking, especia

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Saldaña-Ulloa, Diego, Guillermo De Ita Luna, and J. Raymundo Marcial-Romero. "A Temporal Graph Network Algorithm for Detecting Fraudulent Transactions on Online Payment Platforms." Algorithms 17, no. 12 (2024): 552. https://doi.org/10.3390/a17120552.

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A temporal graph network (TGN) algorithm is introduced to identify fraudulent activities within a digital platform. The central premise is that digital transactions can be modeled via a graph network where various entities interact. The data used to build an event-based temporal graph (ETG) were sourced from an online payment platform and include details such as users, cards, devices, bank accounts, and features related to all these entities. Based on these data, seven distinct graphs were created; the first three represent individual interaction events (card registration, device registration,

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Blascak, Nathan, and Anna Tranfaglia. "A Note on Gender Differences in Credit Card Limit Changes." FEDS Notes, no. 2024-12-20-5 (December 2024): None. https://doi.org/10.17016/2380-7172.3652.

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Credit cards are the most widely held consumer debt product in the United States. Over 191 million Americans have at least one account (Haughwout et al., 2022) and nearly half of those with a credit card revolve a balance on at least one of their accounts (Federal Reserve Board, 2024).

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Al-Faqeh, Al-Waleed K., Azzedine Zerguine, Mohammad A. Al-Bulayhi, Ahmed H. Al-Sleem, and Abdulaziz S. Al-Rabiah. "Credit Card Fraud Detection via Integrated Account and Transaction Submodules." Arabian Journal for Science and Engineering 46, no. 10 (2021): 10023–31. http://dx.doi.org/10.1007/s13369-021-05856-5.

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Zhao, Zuo Ren. "Design and Implementation of Campus Card in Shower System." Applied Mechanics and Materials 608-609 (October 2014): 445–48. http://dx.doi.org/10.4028/www.scientific.net/amm.608-609.445.

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s: This paper analyzes the application characteristics of campus smart card and electronic account, from the students requirements of shower management, made some research and Study on the campus smart card electronic account application and the CAN bus data transmission and developed a general admission fee based on network of campus card and CAN bus communication system, realize no cash operation in the finance charge project. This paper is discussed in detail from the communications and design payment system, interface, security aspects, and provides a reference of smart card application fo

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More, Anushka, Nidhi Musale, Himani Ranpariya, Sarthak Salunke, and Prof Sujit Tilak. "Credit Card Fraud Detection System." International Journal for Research in Applied Science and Engineering Technology 10, no. 3 (2022): 776–80. http://dx.doi.org/10.22214/ijraset.2022.40744.

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Abstract: Credit Cards are quite useful for day to day life. The main aim of this project is to detect fraud accurately. With the increase in fraud rates, researchers have started using different machine learning methods to detect and analyze frauds in online transactions. 'Fraud' in credit card transactions is unauthorized and unwanted usage of an account by someone other than the owner of that account. Fraud detection involves monitoring the activities of users in whole in order to estimate, perceive or avoid objectionable behavior, which consist of fraud, intrusion, and defaulting. The prob

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Firdaus, Rahmat, and Hudiya Rahmah. "Analysis of "Burekol" Procedures and Benefits for Generation Z at Bank Syariah Indonesia (BSI)." Jurnal Hukum Ekonomi Syariah : AICONOMIA 3, no. 1 (2024): 26–38. http://dx.doi.org/10.32939/acm.v3i1.3653.

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The purpose of this study is to determine and analyze the procedures and benefits of opening an online account (BUREKOL) Bank Syariah Indonesia (BSI) for Generation Z (Study of Students of Sharia Banking Study Program UIN Mahmud Yunus Batusangkar). This type of research is field research or field research, using a qualitative descriptive approach. The results of this study found that the procedure (BUREKOL) (BSI) is to download the BSI Mobile application, then select Open an Account, then select the Card Type, then the customer prepares the required documents for opening a BSI account, then fi

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Dinesh, Dhandore. "A Comprehensive Survey of Techniques and Methods for Credit Card Fraud Detection." International Journal of Advances in Engineering and Technology 17, no. 4 (2024): 365–75. https://doi.org/10.5281/zenodo.13838047.

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<em>Fraud involving credit cards poses significant risks to individuals, businesses, and the overall economy. </em>It encompasses a range <em>of illicit activities where credit cards are used for unauthorized transactions, leading to substantial financial losses, compromised credit ratings, and tarnished reputations. As the reliance on credit cards grows, so does the prevalence of fraud, making robust fraud detection systems crucial. Credit card fraud can be broadly classified into three categories: application fraud, account takeover fraud, and transaction fraud. Application fraud occurs when

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d’Astous, Philippe, and Stephen H. Shore. "Liquidity Constraints and Credit Card Delinquency: Evidence from Raising Minimum Payments." Journal of Financial and Quantitative Analysis 52, no. 4 (2017): 1705–30. http://dx.doi.org/10.1017/s0022109017000412.

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We use credit card data to estimate the impact of increasing minimum payments on delinquency, payments, spending, and write-offs. Our identification strategy exploits an unusual institutional feature: Borrowers can use their account to make purchases with both revolving loans (on which minimum payments increased) and term loans (on which there was no change). Payment increases by delinquent borrowers are insufficient to match increasing minimums, resulting in lower cure rates and an increase in write-offs. Affected borrowers migrate away from these accounts by decreasing charges and increasing

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Demirtaş, Nurgül, Şenim Özgürler, Mesut Özgürler, and Ali Fuat Güneri. "Selecting e-Purse Smart Card Technology via Fuzzy AHP and ANP." Journal of Applied Mathematics 2014 (2014): 1–14. http://dx.doi.org/10.1155/2014/619030.

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Developments in the information technologies provide important advantages to consumers and companies. Nowadays, smart card technology starts to use e-purse applications. The aim of this paper is to identify the most important decision criteria to select the best card technology. In this study, at first smart card and multiple selection techniques were explained. Then the best card technology was selected for an e-purse application. The three types of card technologies were examined and the most important criteria were taken into account by the software developer while they develop card softwar

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S., Asha, and Krishnan C.Bala. "A Survey on Credit Card Fraud based on Phishing Attack." International Journal of Trend in Scientific Research and Development 2, no. 3 (2018): 902–6. https://doi.org/10.31142/ijtsrd11135.

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Credit card fraud is a comprehensive term for theft and fraud committed using or involving a payment card, such as a credit card or debit card. Credit card fraud occurs when customers give their credit card details to unfamiliar individuals or when cards are lost or stolen or when mail is diverted from the intentional recipient and taken by criminals or when the sensitive information such as account number associated with the card stolen. In this paper, we summarize about the phishing attack in brief through which the credit card frauds can occur during online shopping. S. Asha | C.Bala Krishn

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van Schaick, Bert, Bert Lehrberg, Bart de Temmermann, Andreas Kletecka, Valérie Dupong, and Marc Lecuit. "Tribunal Supremo 15 November 1994." European Review of Private Law 5, Issue 1 (1997): 47–78. http://dx.doi.org/10.54648/149357.

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The plaintiff's husband used to pay his air travel flights by credit card which was issued to him by the Banco Hispano Americano (BHA) where he also had a current account. The BHA had an agreement with an insurance company whereby a payment of up to 20 million pesetas in compensation was payable to the credit card holder (or their beneficiaries) for personal injuries suffered as a consequence of an accident as a passenger on public transport if the transport was paid for by means of the credit card. The credit card holder tried to arrange a flight in February 1985. The travel company told him

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Sharma, Prabal, Rutwik Gandhe, and Amit Kumar. "Study of Financial Inclusion among Rural Household." BSSS Journal of Social Work 14, no. 1 (2022): 15–34. http://dx.doi.org/10.51767/jsw1403.

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This study examines the factor associated with financial inclusion during the time of the pandemic in rural area. Hundred sample of two states in India- 97 from Madhya Pradesh and 3 from Bihar were surveyed. Data on financial inclusion were analysed by using binary logistic regression. Finding suggest that financially inclusive have more monthly income, belong to forward caste having no ration card are more motivated towards operating bank account, having saving in the post office, avail credit loan and for less period of time, even in instalment having fixed deposit, having insurance policy t

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WONG, John, and Tai Wei LIM. "The Economic Card in China’s Pro-active Diplomacy." East Asian Policy 07, no. 03 (2015): 99–101. http://dx.doi.org/10.1142/s1793930515000318.

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China has been conducting its economic diplomacy with strong financial muscles. With its vast foreign reserves, both trade surplus and capital account surplus, China became the world’s third largest source of foreign direct investment and provided half of the US$450 billion start-up capital for the Asian Infrastructure Investment Bank. China has also learnt that economic diplomacy, to be effective and viable in the long run, has to abide by certain essential market rules.

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В.Н., Винокуров, та Ступина С.А. "Квалификация хищений с использованием банковской карты: поглощение составов и совокупность преступлений". СОВРЕМЕННОЕ ПРАВО, № 11 (3 грудня 2024): 113–19. https://doi.org/10.25799/ni.2024.83.40.018.

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Статья посвящена вопросам квалификации хищения имущества с использование банковской карты. В зависимости от способа завладения картой, характера применяемого насилия, а также от времени возникновения умысла на хищение денежных средств с банковского счета, когда виновный завладевает банковской картой наряду с хищением имущества и в зависимости от степени определенности умысла относительно суммы денежных средств, находящихся на банковском счете, рассмотрены и обоснованы различные варианты квалификации завладения банковской картой. The article is devoted to the issues of qualification of theft of

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Jalbert, Terrance, Jonathan D. Stewart, and Terry Pope. "How Do Minimum Payment Changes Affect Credit Card Arbitrage?" Journal of Applied Business Research (JABR) 28, no. 3 (2012): 385. http://dx.doi.org/10.19030/jabr.v28i3.6956.

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This paper examines how changes in the minimum payment percentage and effective maturity of introductory offers affect credit card arbitrage. Credit Card arbitrage involves taking a cash advance on, or making purchases against, a credit card that offers a low or zero percent introductory interest rate. The proceeds are deposited into a Federal Deposit Insurance Corporation (FDIC) insured money market account. Profits from this strategy are dependent on factors including the minimum payment due on the credit card each month. Recently, under pressure from the U.S. Office of the Comptroller of th

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Baugh, Brian, Itzhak Ben-David, Hoonsuk Park, and Jonathan A. Parker. "Asymmetric Consumption Smoothing." American Economic Review 111, no. 1 (2021): 192–230. http://dx.doi.org/10.1257/aer.20181735.

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Analyzing account-level data from an account aggregator, we find that households increase consumption when they receive expected tax refunds, as if they face liquidity constraints. However, these same households smooth consumption when making payments in other years, primarily by transferring funds among liquid accounts. Even households carrying credit card debt smooth consumption when making payments, and even highly liquid households spend out of refunds. This behavior is inconsistent with pure liquidity constraints or hand-to-mouth behavior and is most consistent with a mental accounting li

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Sarthaki, Milind Kodilkar, and Shweta Gole Ms. "The Banking Revolution: Navigating a Shift in Digital Era." International Journal of Advance and Applied Research S6, no. 22 (2025): 607–13. https://doi.org/10.5281/zenodo.15532526.

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<em>E-banking plays a vital role in the present banking functionality. Technology has reduced everything to a click of a button and people can transfer money from one account to another account even without standing in long queues for hours. The customer can access it with easy from anywhere in the world. It has made possible to conduct some banking transactions from anywhere like making payments and transfer funds to third party, open new account, details of new account, details of accounts, credit card and home loan balanced There are numerous of options available to people ranging from debi

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R, Dayana. "Face Biometric Authentication System for ATM using Deep Learning." International Journal for Research in Applied Science and Engineering Technology 10, no. 6 (2022): 2562–69. http://dx.doi.org/10.22214/ijraset.2022.44413.

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Abstract: Automated Teller Machines also known as ATM's are widely used nowadays by each and everyone. There is an urgent need for improving security in banking region. Due to tremendous increase in the number of criminals and their activities, the ATM has become insecure. ATM systems today use no more than an access card and PIN for identity verification. The recent progress in biometric identification techniques, including finger printing, retina scanning, and facial recognition has made a great effort to rescue the unsafe situation at the ATM. This project proposes an automatic teller machi

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Kopp, Bruno, Bilal Al-Hafez, and Alexander Steinke. "Habits, Goals, and Behavioral Signs of Cognitive Perseveration on Wisconsin Card-Sorting Tasks." Brain Sciences 13, no. 6 (2023): 919. http://dx.doi.org/10.3390/brainsci13060919.

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Wisconsin card-sorting tasks provide unique opportunities to study cognitive flexibility and its limitations, which express themselves behaviorally as perseverative errors (PE). PE refer to those behavioral errors on Wisconsin card-sorting tasks that are committed when cognitive rules are maintained even though recently received outcomes demand to switch to other rules (i.e., cognitive perseveration). We explored error-suppression effects (ESE) across three Wisconsin card-sorting studies. ESE refer to the phenomenon that PE are reduced on repetitive trials compared to non-repetitive trials. We

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Onamade, Akintoye Abraham, Abiodun Adedayo Adediran, and Oluwafunmilola Aderannibi Adepegba. "ATM Model for a Trusted Third Party System (TTPs)." Advances in Multidisciplinary and scientific Research Journal Publication 9, no. 2 (2021): 81–86. http://dx.doi.org/10.22624/aims/digital/v9n2p7.

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The history of banking transaction has been with the use of cheque books, which direct the bank to pay or transfer specific amount to the bearer – third party on behalf of account owner. Identity card (ID) is the means of authentication and the third party is asked to append his or her signature and address on the back of the cheque for the bank to grant the request. Therefore, human beings cannot do without the help of third party, for their daily activities as nature can call for such service at any time. Even today, may be as a result of sickness, people do give their ATM card and PIN to th

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Viswanathan, R. V., R. Siva Harish, K. S. Rajesh, and R. Dhanush. "Designing of Smart and Secure Single ATM Card for Multiple Bank Accounts." International Journal of Research and Review 12, no. 2 (2025): 438–41. https://doi.org/10.52403/ijrr.20250254.

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In the era of digital banking, security and convenience are paramount in financial transactions. This paper presents the design of a smart and secure single Automated Teller Machine (ATM) system that incorporates Radio Frequency Identification (RFID) technology for enhanced transaction management. The proposed system utilizes a single RFID card for multiple transactions linked to a mobile application, allowing users to manage account selections, initiate transactions, and access banking details conveniently. This groundbreaking method not only streamlines the user interface but also fortifies

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Doshi, Nishant, Geetha Chillarge, and Swati Shekapure. "Enhanced Detection of Credit Card Fraud Using Machine Learning Techniques." International Journal for Research in Applied Science and Engineering Technology 12, no. 5 (2024): 5542–45. http://dx.doi.org/10.22214/ijraset.2024.62899.

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Abstract: As the number of credit card transactions continues to grow, they represent an increasing share of the global payment system. This growth has led to an increase in stolen account numbers and subsequent losses to banks. Machine Learning (ML) plays a crucial role in detecting credit card fraud in both online and offline transactions. Credit card fraud detection, which is a data mining problem, becomes challenging for two main reasons: first, the characteristics of normal and fraudulent behavior are continually changing, and second, the credit card fraud dataset is highly asymmetric. Th

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Baggyalakshmi, Dr N., J. Amirthavarshni, and Dr R. Revathi. "Secrete Wallet for Password Protection." International Academic Journal of Science and Engineering 11, no. 1 (2024): 126–37. http://dx.doi.org/10.9756/iajse/v11i1/iajse1116.

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It basically deals with the secure of multiple data for remote systems connected to the Internet. This system is developed in visual basic.Net. It is purely Web based software. The scope of this product is to keep information safe and secure. The purpose of this application is to protect some sensitive information like credit card details, account details, passwords etc. It includes: Registration, storing passwords, storing documents, Storing Images, Storing favourite links. This project mainly focusses on Especially for the people who are all having accounts in banks, social networks like Gma

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Bidabad, Bijan. "Rastin Swap Card (RSC): A Financial Instrument of Rastin Banking." International Journal of Islamic Banking and Finance Research 3, no. 2 (2019): 24–31. http://dx.doi.org/10.46281/ijibfr.v3i2.271.

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Rastin Swap Card is defined in Rastin Banking. This card is issued based on the Swap Contract in Rastin Banking or principle of sovereignty rights of contracts. In Rastin Swap Card there are two periods. In the first period card issuer lends money to the cardholder, and in the second period borrows money from card holder instead. At the first stage card issuer credits a certain amount of money for specific time duration to the card of cardholder and requests the cardholder to deposit the same amount for the same period at the end of the cited time duration (first maturity) in the issuer's depo

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SONI, KANAL BHADRESH. "Credit Card Fraud Detection Using Machine Learning Approach." Applied Information System and Management (AISM) 4, no. 2 (2021): 71–76. http://dx.doi.org/10.15408/aism.v4i2.20570.

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Using new spam technologies to carry out internet banking fraud refers to shifting and withdrawing money from the user’s balance account without it’s authorization. Credit card fraud pops into the mind so far in the current scenario when the concept of fraud bursts into some conversation. Credit card fraud has escalated tremendously in recent times due to the incredible growth in credit card purchases. In order to assess, identify or prevent undesirable conduct, fraud detection requires tracking the purchase behavior of users/customers. The purpose of this project is to predict the genuine and

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Vnukova, Nataliya, and Viacheslav Avanesian. "Financial Monitoring of Payment Card Transactions." Law and innovations, no. 4 (40) (December 19, 2022): 57–68. http://dx.doi.org/10.37772/2518-1718-2022-4(40)-9.

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The relevance of determining the impact of international standards on the development of financial investigations is determined by the need to build an effective financial monitoring system and improve the effectiveness of coordination of the activities of financial monitoring entities, in particular, at the state level. The aim of the study is to develop theoretical provisions and practical skills to determine the essence of financial monitoring and development of the direction of financial investigations to counter money-laundering and the financing of terrorism. It has been established that

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VANATTA, SEAN H. "Charge Account Banking: A Study of Financial Innovation in the 1950s." Enterprise & Society 19, no. 2 (2018): 352–90. http://dx.doi.org/10.1017/eso.2017.42.

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This study takes a step toward reconceptualizing the process of financialization, the reorientation of the US economy toward financial services that scholars view as a product of the 1970s economic shocks and subsequent regulatory liberalization. Instead, I argue that financialization was equally dependent on the gradual development of new financial technologies and business practices within the political and regulatory environment of the early postwar era. I do so by examining a cohort of small U.S. banks, which in the early 1950s began experimenting with a novel form of consumer credit: the

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Miss.Bhede, Snehal V.*, and Prof.M.N.Kakatkar. "DESIGN OF UNIVERSAL ACCESS USING RFID TAG: A REVIEW." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 5, no. 4 (2016): 764–67. https://doi.org/10.5281/zenodo.50399.

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Time and efficiency are matter of priority now. Smart card emerges as one of the converging technologies. This review paper contains smart access using smart card in toll gate control, and in bus ticketing system. RFID plays major role in auto ID applications like RFID contact less smart cards. Proposed system will present an automated system for ticketing in the Public Transport System (PTS) which is based on passenger identification and also system presents automated system for toll collection. This is a user friendly system, which will automatically identify the passenger and deduct the pas

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Gunjan, Sahoo, Manjula V. Dr, Anuradha Bhakta K, S. A. Poojashree, and D. Shenoy Divya. "Fraud Detection in Online Transaction." Journal of Network Security and Data Mining 3, no. 2 (2020): 1–8. https://doi.org/10.5281/zenodo.3989160.

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<em>Credit card fraud ranges from larceny and fraud committed involving a payment card, like a credit card or debit card, as a deceitful supply of funds during the payments. The aim may also be to get merchandise by not paying and also getting unauthorized funds from an account. These frauds are also an adjunct to identity theft. Though incidences of credit card fraud are restricted to about 0.1% of all card transactions, they have resulted in financial loss as the transactions have been large sum. In this present digital era there is increased demand for a secure online transaction and there

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Ms., A. A. Deshmukh, Manali Dubal Ms., Mahesh TR Dr., and C. R. Chauhan Mr. "DATA SECURITY ANALYSIS AND SECURITY EXTENSION FOR SMART CARDS USING JAVA CARD." International Journal of Advanced Information Technology (IJAIT) 2, no. 2 (2012): 41–57. https://doi.org/10.5281/zenodo.3534867.

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Smart cards improve the convenience and security of any transaction. They provide tamper-proof storage of user and account identity. Multifunction cards are used to manage network system access, store value and other data. The cards carry personal account, credit and buying-preference information and thus, security becomes a primary issue here. Public Key Cryptography plays an essential role in electronic banking and financial transactions. ECC is one of the best public key techniques for its small key size, high security and is suitable for secure access of smart cards. This article gives pri

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Kurniawati, Rina, and Cyntia Rivatunisa. "IMPLEMENTASI PERANGKAT PREDICTIVE DIALING SYSTEM DAMPAKNYA TERHADAP KINERJA TIM FRONTEND PADA UNIT COLLECTION, BNI CARD CENTER." INFOKOM (Informatika & Komputer) 10, no. 2 (2023): 74–87. http://dx.doi.org/10.56689/infokom.v10i2.963.

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This research is to know how much impact the implementation of the PDS device on team Frontend performance, Collection Unit, BNI Card Center, Card Business Center Bandung. On the other hand, a credit card as a form of unsecured loans bad credit has the potential to give birth. BNI Bank as one of the credit card issuer bank has a Collection unit on the Card Business division of one of its tasks to restore the company's assets that minimize the number of Net-Performing Loans (NPL). To support these tasks, the BNI Card Center management implements Predictive Dialing System (PDS) device. In

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priscilla, Pramila. "Enhancing ATM Functionality with a Single Card Solution for Multiple Bank Accounts." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem49390.

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ABSTRACT This project seeks to modernize traditional magnetic strip ATM cards by transitioning to RFID-based cards, each possessing a unique identifier. The data processing component is managed by an Arduino Mega microcontroller, which interfaces with various sensors to facilitate financial transactions. User authentication is accomplished through a fingerprint module for biometric verification, augmented by the implementation of a One-Time Password (OTP) transmitted to the registered mobile phone to enhance security. The system is designed to allow users to link multiple bank accounts to thei

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Aravindh, S., S. Venkatesan, and A. Kumaravel. "Online Credit Card Fraudulent Detection Using Data Mining." Asian Journal of Computer Science and Technology 1, no. 2 (2012): 9–15. http://dx.doi.org/10.51983/ajcst-2012.1.2.1708.

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As e-commerce sales continue to grow, the associated online fraud remains an attractive source of revenue for fraudsters. These fraudulent activities impose a considerable financial loss to merchants, making online fraud detection a necessity. The problem of fraud detection is concerned with not only capturing the fraudulent activities, but also capturing them as quickly as possible. This timeliness is crucial to decrease financial losses. In this research, a profiling method has been proposed for credit card fraud detection. The focus is on fraud cases which cannot be detected at the transact

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Szajna, Arkadiusz P. "Kradzież tzw. plastikowego pieniądza – rozważania nad pojęciem karty płatniczej i jej kradzieżą." Acta Iuridica Resoviensia 33, no. 2 (2021): 190–201. http://dx.doi.org/10.15584/actaires.2021.2.14.

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The subject of considerations made in this article are related issues with the concept of a payment card and the legal qualification of its theft, depending on whether it is a payment card or an ATM card. After analyzing the literature and jurisprudence, the author comes to the conclusion that only the theft of an ATM card should be qualified as an offense under Art. 278 § 5 of the Criminal Code. On the other hand, the theft of a card with a payment function, depending on the value of the executive object, may constitute theft under Art. 278 § 1 of the Criminal Code (if the value of the execut

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Brink, Sophia. "The accounting treatment of credit card rewards programmes: a South African perspective (Part 2)." Journal of Economic and Financial Sciences 10, no. 2 (2017): 206–34. http://dx.doi.org/10.4102/jef.v10i2.14.

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Most credit card issuers offer their card holders participation in a customer loyalty programme. On 1 July 2007 the IASB issued IFRIC 13 Customer Loyalty Programmes to give specific guidance to suppliers on the accounting treatment of customer loyalty programme transactions. Despite the fact that credit card rewards programmes are specifically included in the scope of this Interpretation, in practice not all credit card rewards programmes currently account for award credits under the revenue deferral model (IFRIC 13). These divergent practices make one question the relevance of the current gui

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Moroz, T. V. "ON THE ECONOMIC STUDIES CONNECTED WITH THE USE OF ELECTRONIC MONEY IN UKRAINE." Theory and Practice of Forensic Science and Criminalistics 15 (November 30, 2016): 331–39. http://dx.doi.org/10.32353/khrife.2015.41.

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The article deals with peculiarities that must be taken into account while conducting forensic economic examinations connected with studying financial and credit transactions with the use of electronic money. Electronic money is a monetary obligation of the issuer in an electronic form that is stored on an electronic medium in the user’spossession. This medium can be a microprocessor card, the user’s computer, a server of the electronic money clearance system where the user’s electronic money is stored, etc. In the electronic money clearance systems bank accounts are used only when the money i

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Brink, Sophia. "The accounting treatment of credit card rewards programmes: a South African perspective (Part 1)." Journal of Economic and Financial Sciences 10, no. 1 (2017): 107–24. http://dx.doi.org/10.4102/jef.v10i1.8.

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Credit card rewards programmes are a common phenomenon in the South African market. On 1 July 2007 the International Accounting Standards Board (IASB) issued IFRIC 13 Customer Loyalty Programmes to give specific guidance to suppliers on the accounting treatment of customer loyalty programme transactions. Although credit card rewards programmes are specifically included in the scope of this Interpretation, in practice not all credit card rewards programmes currently account for award credits under the revenue deferral model (IFRIC 13). During May 2014 the IASB and the United States Financial Ac

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Di Nicolò, Pierpaolo, Giacomo Magnoni, and Antonio Granata. "Lung Ultrasound in Hemodialysis: A Card to be Played?" Blood Purification 44, no. 1 (2017): 1–7. http://dx.doi.org/10.1159/000457897.

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The end-stage renal disease is characterized by a profound impairment in the regulation of body fluid distribution, and volume assessment in hemodialysis is one of the challenging goals for the nephrologist. To determine a state of euvolemia, different validated techniques have been employed and among them lung ultrasonography (LUS) has recently attracted growing attention on account of its capacity to estimate accurately extra vascular lung water and to detect lung edema even in its early asymptomatic stage, that is, hidden lung congestion.With its noninvasiveness, freedom from radiation, the

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Monika, Er, and Er Amarpreet Kaur. "Fraud prediction for credit card using classification method." International Journal of Engineering & Technology 7, no. 3 (2018): 1083. http://dx.doi.org/10.14419/ijet.v7i3.12577.

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With the improvement of innovation like credit cards, debit cards, mobile banking, Internet managing an account is the mainstream medium to exchange the cash starting with one record then onto the next. Credit card is picking up fame day by day which expands the online exchange with the expansion in online shopping, online charge payment, insurance premium and different charges so the extortion cases identified with this are likewise expanding and it puts an extraordinary anxiety on the economy, affecting the two clients and budgetary bodies. It costs cash as well as an awesome measure of time

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Eyongndi, David Tarh-Akong, and Folasade Rose Adegbite. "APPRAISAL OF BANK’S LIABILITY ON AUTOMATED TELLER MACHINE (ATM) DEBIT-WITHOUT-DISPENSING TRANSACTION UNDER NIGERIAN LAW: JWAN V. ECOBANK & ANOR. IN PERSPECTIVE." AGORA INTERNATIONAL JOURNAL OF JURIDICAL SCIENCES 18, no. 1 (2024): 1–8. http://dx.doi.org/10.15837/aijjs.v18i1.6736.

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Technological advancement has been adopted in the banking sector through the use of ATM and ATM cards issued by banks to ease saving and withdrawal of money by customers. Once a customer’s account is liquid, the insertion of an ATM card in an ATM and following the procedure, should lead to cash dispensation. However, there are instances where a customer’s account is debited but the money is not dispensed. This is an ATM debit-without-dispensing quagmire. Recently, the Nigerian Court of Appeal in Jwan v. Ecobank & Anor held that an ATM card is akin to a cheque, where it is inserted into an

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Shukla, Trilok Nath. "SECTORAL ANALYSIS OF BANKS ON TRENDS OF OPENING ACCOUNTS FOR PRADHAN MANTRI JAN DHAN YOJNA PHASE I (PMJDY)." International Journal of Research -GRANTHAALAYAH 5, no. 1 (2017): 183–97. http://dx.doi.org/10.29121/granthaalayah.v5.i1.2017.1734.

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Most recently a national mission on financial inclusion called “PRADHAN MANTRI JAN - DHAN YOJANA” was launched on the 28th of August 2014. Under the direct supervision of the Indian Prime Minister and the Department of Financial Services, Ministry of Finance, the objective of this mission is to enroll over 70 million households and open their bank accounts along with providing them as a first step a RuPay debit card with a Rs. 1,00,000/- accident cover. In the due course of time the plan is to also cover these account holders with insurance and pension products. About 60% of the population in

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Dr.Egho-Promise, Ehigiator Iyobor, Ola Bamidele, and Opoku Sarkodie Emmanuel. "A CYBER FORENSICS STUDY OF ATM DATA TRAFFIC." International Journal of Innovative Research in Information Security VII, no. VII (2020): 69–75. https://doi.org/10.26562/ijiris.2020.v0707.001.

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For several years now, bank customers have become accustomed to the convenient use of Automated Teller Machines (ATM) to transfer money between accounts either within the same bank or to different banks. The ATM provides account balance information, enable customers to deposit and withdraw cash from their accounts and perform other transactions without physically meeting bank staff in banking hall for transactions. The use of ATMs for mobile banking has led to a significant increase in ATM fraud globally. Consumer confidence in the use of ATMs for banks transactions and credit card issuers has

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Purnomo, Rudi, Masning Syarifah, and Ali Makki Hodri. "Analisis Komparatif Bank Syariah dan Bank Konvensional di Indonesia." Maliyah : Jurnal Hukum Bisnis Islam 8, no. 1 (2018): 65–95. http://dx.doi.org/10.15642/maliyah.2018.8.1.65-95.

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This article discusses a comparative analysis of Islamic banks and conventional banks. This article is the result of a literature review and is qualitative. The collected data is analyzed in a comparative manner between Islamic banks and conventional banks which include: sources of funds, Distribution and Use of Bank Funds, Bank Services, advantages and disadvantages of Islamic banks and conventional banks. About sources of funds, conventional banking sources of funds are: Funds originating from within the bank (internal) and funds originating from outside the bank (external). The source of fu

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Nagesh Mapari, Samiksha Sandip Borkar, Karan Pradip Morey, Harshwardhan Tejrao Pawar, and Om Vishwanath Vasu. "A Systematic Credit Card Analysis for Detection of Compromised Data Using Machine Learning." International Research Journal on Advanced Engineering and Management (IRJAEM) 3, no. 04 (2025): 1273–77. https://doi.org/10.47392/irjaem.2025.0208.

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Credit card security is paramount for banks, especially during the pre-issuance phase. This paper examines the multifaceted security measures implemented by banks to protect credit cards and cardholder data before a card is even issued. We explore the vulnerabilities inherent in the card production and personalization processes, and analyze the various countermeasures employed to mitigate these risks. These include secure printing facilities, data encryption, EMV chip technology integration, and rigorous access controls. Furthermore, we discuss the importance of robust data security protocols

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Hemanth, Kumar S., and S. Vijayalakshmi. "A DIAGNOSTIC STUDY ON IMPACT OF PRADHAN MANTRI JEEVAN BIMA YOJNA WITH SPECIAL REFERENCE TO SELECT PUBLIC SECTOR BANKS." EPRA International Journal of Economic and Business Review 4, no. 6 (2021): 129–34. https://doi.org/10.5281/zenodo.4643082.

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Financial inclusion is an innovative concept which enables the alternative techniques to promote the banking habits and acts as enabler in reducing the poverty and the launch of Pradhan Mantri Jan Dhan Yojana (PMJDY) by Government of India is in that direction. The scheme is not only limited to opening of a bank account but has other benefits with it viz. zero balance bank account with RuPay debit card, in addition to accidental insurance cover of Rs.one lakh those who open accounts by January 26, 2015 over and above the Rs.1lakh accident, they will be given life insurance cover of Rs.30, 000

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SACHIN SAHU and Prof. MATHEW THATTIL. "A Secondary study of RBI Digital Currency – CBDC." Journal of Global Economy 19, no. 2 (2023): 79–85. http://dx.doi.org/10.1956/jge.v19i2.690.

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The world has moved on to a digital platform for its daily needs and uses. We in India also took this step toward digitalization in a stronger and forceful way from 2014 onwards, through setting up of digital infrastructure. Various start-ups took the initiative to make India a digital player. Digital payment is one such initiative taken by India even though we had digital payment systems in place before 2014 (we already had apps like paytm and NPCI since 2008) but the development through focused approach started post 2014. Digital payment means the transaction of money through electroni

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