满足多种应用需求的非接触卡读卡器

除联机型智能卡读卡器外,Gemplus 公司还提供满足多种应用需求的非接触卡读卡器,其产品可以识别距读卡器1厘米到10匣米范围内的智能卡。这种非接触式产品非常适用于门禁控制、公交售票或电了付费等领域。目前,韩国汉城已为全巾的公交大巴安装了这种非接触读卡器,这是迄今为止此类产品在世界公交领域内规模最大的一次应用。     

HIDGlobal门禁解决方案成功应用于新加坡国立大学苏州研究院

2013年8月8日，安全身份识别解决方案的全球领袖HIDGlobal宣布，新加坡国立大学苏Iml1研究院校园（下称“新国大苏州研究院”）采用HIDGlobal提供的高安全性IP联网门禁系统。此系统包括HIDVertXV1000网络门禁控制器，VeaXV100门禁读卡器接口模块，和iCLASSR10非接触式智能卡读卡器。     

HID Global推出远距离停车场出入系统解决方案

新的远距离停车场系统使用户在不打开车窗或不停车的状态下就能打开户门和车库门。 利用HID Global远距离iCLASSSE读卡器和卡片,用户可以将停车场、大门和门禁控制集成到一张卡上,获得一项安全而便捷的解决方案。 该解决方案包括功能强大的端到端通信安全和先进的身份数据加密技术。     

如何正确选择门禁读卡器和卡片

基本的门禁系统由读卡器、控制器、卡片、电控锁及其他辅件组成。就整个系统的稳定性而言,任何一个部分都是至关重要的,任何一个部件的不稳定,都会影响到整个系统的稳定性。但就安全性而言,读卡器和卡片应该是最重要的,卡片就好像一把“电子钥匙”,如果钥匙容易被别人复制,整个门禁控制系统就没任何安全性可言了。卡片识别技术的发展大概经历了以下几个阶段:磁卡→接触式智能卡→感应卡→非接触式智能卡。非接触式智能卡和感应卡虽然都是采用RFID,都具有免接触、使用方便的特点。但,他们之间还是有很多的不同,如下表所示。从技术的发展趋…     

从安全问题看门禁技术发展趋势

由于2009年关于门禁系统IC卡加密破解的难题被攻破，国家信息产业部发布相关信息，对于日后门禁系统及一卡通系统在关键部门和机关禁止使用IC卡作为识别卡、计费卡。从此，众多门禁厂家纷纷改变原有的设计，主要是采用了CPU卡读卡器和相应的CPU卡，并重新做了加密解密的算法。一些厂家考虑了IC卡和CPU卡的兼容性难题，也在设计相应的软件来实现兼容，但读卡器硬件兼容的难题，目前仍在研发中，而兼容的软件则相对容易实现。     

高性能、高可靠的小型电动读卡器--深圳创自公司CRT-310N产品解析

深圳创自技术有限公司在自助行业内已成读卡器产品的国内领先品牌,但由于有各种因素的制约,老型号读卡器产品难以突破100万次连续读卡的难关。在金融自助产品的电动读卡器模块中,市场长期以来被两家日本企业所把持。创自人经过2年多的不懈努力,终于拿出了过硬的产品：CRT-310N产品已经可以实现持续地读磁卡超过150万次,读写IC卡超过80万次,读写非接IC卡超过了200万次。     

新品技术

成都凌泰科技即将推出支持LCM的读卡器；深圳社保首选德卡T6读写器；ACS发布新版ACR100 SIMFlash读写器；北京华大恒泰携新品亮相IIC展会；     

资本介入 技术多元 门禁市场需求与日俱增

近几年,在高速发展的经济环境与国家利好政策的带动下,中国安防产品市场规模呈现出不断扩大与迅速增长的状态,其中,门禁产品已出现出膨胀式的发展,国内门禁市场现"百家争鸣"局面。这其中,生物识别的行业应用为门禁市场多元化开辟了道路,展望未来,门禁技术将会进一步改进,倾力行业发展。     

Payleven推出支持NFC功能的芯片卡读卡器

正德国mPOS支付公司Payleven近日宣布,将在2014年下半年推出支持NFC功能的芯片卡读卡器。2013年,Payleven在欧洲推出接触式芯片卡读卡器,通过蓝牙功能,将商户的移动设备与mPOS连接,进而获得移动支付服务。据了解,Payleven给具备NFC功能芯片卡读卡器的定价为100欧元,     

创见三合一读卡器面市

近日,创见资讯最新推出三合一闪存卡读卡器,此项产品将是创见资讯跨入消费性内存产品的新里程.创见此次推出的三合一读卡器采用即插即用的 USB接口,可存取 Compact Flash、Smart Media 以及 IBM MicroDrive三种闪存卡,同时可与 PC 与MAC 机兼容,其多元化的功能使消费者不必再为每一种类型的内存卡单独购买读卡器。     

Internet,consumer spending,and credit card balance: Evidence from US consumers

Utilizing the 2013 Survey of Consumer Finances data, the present study aims to examine the role of the Internet in carrying a credit card balance among US households. The central question of this study is whether or not households with Internet access have more favorable attitudes toward incurring more credit card balance. This study further investigates whether education, income, gender, age, race, etc., make any differences in carrying credit card debt when households have access to the Internet. Our results with the Tobit model show that having access to the Internet increases the probability of carrying a positive credit card balance by 4% to 5% compared to those who do not have access to the Internet. This result does not apply to older Americans. Our results further indicate that education decreases the probability of carrying a positive credit balance for households that have access to the Internet, while income and liquid assets may have little positive effect on that probability. The results suggest that Internet leads to more debt, but education could alleviate that debt.     

Marriage between credit cards and the Internet: Buying is just a click away!

This paper examines whether Internet access positively affects credit card balances. To that end, we compare the 2010 and 2013 Surveys of Consumer Finances, analyze the consistency of the results over time, and provide the rationale for any resulting differences. Using the censored techniques, our results indicate that Internet access has a positive effect on credit card balances, which suggests that consumers with Internet access are prone to higher balances compared to those without. The probability of carrying positive balances was larger in 2010 compared to 2013. Overall, the results suggest that, while the financial crisis might have contributed to higher balances in 2010, the economic recovery afterward seems to have eased the burden of credit card debt.     

终极控制人性质、内部控制缺陷与企业风险

以2008~2014年上市公司为研究对象,考察转型经济环境下终极控制人性质如何影响内部控制缺陷及其修复与企业风险之间的关系。研究发现,内部控制缺陷越大,企业风险越高,但缺陷修复能显著降低企业风险;进一步研究发现,国有企业比民营企业的风险程度显著更小,但相对央企而言,地方国有企业更容易出现风险,尤其在治理环境差的地区,地方国企的风险程度显著更高。研究表明,不同的终极控制人性质导致了企业内部控制缺陷对企业风险的不同影响,这既为深化国有企业改革提供经验证据,也进一步昭示强化企业内部控制风险免疫功能的重要性与紧迫性。     

Credit CARD Act of 2009: What did banks do?

The Credit CARD Act of 2009 was intended to prevent practices in the credit card industry that lawmakers viewed as deceptive and abusive. Among other changes, the Act restricted issuers’ account closure policies, eliminated certain fees, and made it more difficult for issuers to change terms on credit card plans. Critics of the Act argued that because of the long lag between approval and implementation of the law, issuing banks would be able to take preemptive actions that might disadvantage cardholders before the law could take effect. Using credit bureau data as well as individual data from a survey of U.S. consumers, we test whether banks closed consumers’ credit card accounts or otherwise restricted access to credit just before the enactment of the CARD Act. Because the period prior to the enactment of the CARD Act coincided with the financial crisis and recession, causality in this case is particularly difficult to establish. We find evidence that a higher fraction of credit card accounts were closed following the Federal Reserve Board’s adoption of its credit card rules, but not between May 2009, when the CARD Act was signed, and when most of its provisions became law in February 2010. However, we do find evidence that banks deteriorated terms of credit card plans at a higher rate during this period, especially lowered the credit limits. Among the survey respondents whose bank accounts were closed during that period, account holders were much more likely to close their own credit card accounts than to have them closed by their card issuers.     

Did the Health Card Program Ensure Access to Medical Care for the Poor during Indonesia's Economic Crisis?

The Indonesian Social Safety Net health card program was implementedin response to the economic crisis that hit Indonesia in 1997,to preserve access to health care services for the poor. Healthcards were allocated to poor households, entitling them to subsidizedcare from public health care providers. The providers receivedbudgetary support to compensate for the extra demand. This articlefocuses on the effect of the program on primary outpatient healthcare use, disentangling the direct effect of allocating healthcards from the indirect effect of government transfers to healthcare facilities. For poor health card owners the program resultedin a net increase in use of outpatient care, while for nonpoorhealth card owners the program resulted mainly in a substitutionfrom private to public health care. The largest effect of theprogram seems to have come from a general increase in the supplyof public services resulting from the budgetary support to publicproviders. These benefits seem to have been captured mainlyby the nonpoor. As a result, most of the benefits of the healthcard program went to the nonpoor, even though distribution ofthe health cards was propoor. The results suggest that had theprogram, in addition to targeting the poor, established a closerlink between provision of services to the target groups andfunding, the overall results would have been more propoor.     

消费信贷与家庭人力资本投资

已有丰富的文献考察了消费信贷对家庭消费和投资行为的影响，但少有研究关注其对家庭人力资本投资的影响。家庭人力资本投资对于人力资本积累、经济高质量发展至关重要。基于此，本文考察了信用卡使用对家庭人力资本投资的影响及其影响机制，主要发现如下：信用卡使用显著增加了家庭人力资本投资，且这一效应具有长期动态影响并对城市、高收入、高教育程度家庭影响更为显著，这意味着信用卡消费信贷可能会增加人力资本不平等。进一步研究发现，家庭会增加劳动力供给来应对人力资本支出的增加。机制分析表明，信用卡使用主要通过增加家庭消费投资、促进消费升级、缓解家庭预算约束三种途径促进家庭人力资本投资。在风险可控的前提下，引导消费信贷流向有利于实体经济发展的领域，可助力于消费升级与人力资本积累，从而为经济发展提供新动能。     

提高信用卡营销渠道效率研究

本文用经济学原理来分析信用卡营销渠道行为。文章指出销渠道是一串合约,分析渠道行为应该站在合约关系的角度上来分析。在目前各大国有商业银行内部市场没有充分建立这一市场环境下,这种合约关系主要表现为一种考核关系。目前信用卡市场上存在的大量的机会主义行为实质上是信息不对称下的败德行为。因为缺乏准确的考核信息,对一线客户经理的考核指标与集体的目标不一致,造成营销渠道效率降低。应通过更加精确的考核,来解决信息不对称的问题,提高渠道效率。本文给出了具有实质意义的方案来解决目前信用卡市场上存在的大量无效卡、睡眠卡的问题,并对该方案做了深入探讨。     

基于一卡通模型的数字化校园的构建研究

校园一卡通工程和校园网工程的建设,往往是两个相对独立的体系,终端的使用方法和界面也大相径庭,同时,一卡通的独特性,也让它在整个数字化校园中相对独立和具有局限性,如何突破这种局限？本文讨论了如何让一卡通系统更好地融合到校园网的各种应用中,构建新型的“1＋X”数字化校园模式。     

我国消费金融公司立法发展研究

在国外,消费金融公司已在个人消费信贷领域形成与商业银行的个人贷款业务、信用卡业务三分天下的局面。我国消费金融公司立法始于2OO9年,2O13年《消费金融公司试点办法》对消费金融公司主要出资人、业务经营和审慎监管等规定予以修改。为保障消费金融公司发展,我国应当提升立法位阶,制定《消费金融公司条例》,完善市场准入与退出机制,加强风险的内部控制,规范金融监管制度,强化借款人权益的法律保护。     

信用卡使用意向成因分析及其营销策略研究

本文在计划行为理论的基础上,使用结构方程模型等数理统计方法,探析了消费者信用卡使用意向的影响因素,进而建构了消费者信用卡使用意向模型。研究表明,计划行为理论中信用卡态度和知觉行为控制变量对消费者信用卡使用意向有重要影响。此外,研究还进一步将消费者信用卡态度区分为便利性态度、金钱与信用态度,实证研究显示便利性态度对信用卡使用意向有重要影响,这种区分是合理的和必要的。最后,研究提出实务建议,为中国信用卡业务的完善和发展提供决策依据。