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GPRS无线移动直连POS系统设计 总被引:2,自引:0,他引:2
随着现代通信技术及银行卡业务的快速发展,利用新技术改善现有银行卡用卡环境和支持新业务已成为中国银联济南市分公司研究的重要课题。采用通用分组无线技术(GPRS,GeneralPacketRadioService)直连POS实现金融支付,可以大大拓宽银行卡业务的服务范围,进一步改善用卡环境。中国银联济南市分公司现有的直连POS系统面临着支持新业务难、受地域限制等方面的问题,而GPRS无线移动直连POS与传统有线POS相比具有更多优势。第一,移动性强。由于无线POS通过GSM网来传输数据,所以只要是GSM网覆盖到的地方均可使用,不受地点、电话… 相似文献
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随着无线网络技术的快速发展,无线技术在金融业务中的应用也越来越广泛,各大银行先后推出了基于无线网络技术的银行业务,无线金融服务给广大用户带来了方便.本文从GSM编码、传输、跳频技术等方面分析GSM系统对移动终端认证的有效性和可靠性,并对GPRS系统和无线POS的安全性进行分析. 相似文献
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杨希玲 《河南财政税务高等专科学校学报》2009,23(4):46-47,94
移动电子商务是指通过无线通信网络进行数据传输,利用手机、PDA等移动终端开展商业经营活动的一种新的电子商务模式.3G给移动电子商务的发展带来了巨大的商机.与传统电子商务相比,移动电子商务具有突破时空的限制、服务更加个性化、信息的获取更及时、移动支付更方便、信用机制好等优势.基于3G的移动电子商务发展途径应是提高移动电子商务的安全性;加大物流配送体系的建设力度;切实降低通信资费;改进移动终端的设计;减少移动终端丢失的风险等. 相似文献
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金融行业基于3G无线接入方式的虚拟专用拨号网业务,它是利用安全的L2TP隧道传输协议,就可以在现有的拨号网络上构建一条虚拟、不受外界干扰的专用通道.从而安全访问企业内部网资源.在"3G移动专用网"业务的推动下,彻底解决了金融行业部署离行金融终端成本高、工期长、限制多的困扰,采用3G无线技术快速、安全部署金融M2M终端. 相似文献
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支票影像是影像技术在支付结算领域的应用,是支票突破空间限制,实现全国流通的基础,对经济金融的发展有着至关重要的作用。金融电子化杂志社举办这次论坛适应了票据业务发展的需要,不仅能使大家就影像技术在中国金融业的应用各抒己见,更有助于中央银行与商业银行、专业厂商就票据影像业务的发展加强交流与合作,共同推动我国票据影像业务的快速发展。 相似文献
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网络与通信技术的飞速发展、金融电子化的潮流、政府采纳RFID技术,推动电子支付网上和网下的业务发展,移动支付更是崭露新角,专家断言移动支付是人类历史上迄今为止最为便捷的支付手段,移动支付突破时间和空间的限制,节约了支付的时间成本和交通成本,移动支付具有随时、随地、随身的特点,移动支付已经衍生出很多异彩纷呈的应用。 相似文献
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I.F. Clarke 《Futures》1985,17(2):170-184
With this survey of developments in the futures field since 1945, I.F. Clarke completes his present series for Futures. He makes two major points: that forecasting techniques have become essential tools in the management of change; and that nuclear weapons and ecological problems have added a moral dimension to the study of the future. In the next issue of Futures he will start a new series on the range of future-thinking in the USA, from the expectations of the first settlers to the Star Wars programme. 相似文献
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融资融券业务正式运营已经开展,为证券市场带来了革命性的改革,作为证券市场的一大主体,基金公司面对融资融券也迎来了新的发展方向和挑战,本文从融资融券业务的运行机制入手,分析了基金公司融资融券的新契机,并对其即将面临的问题进行审视和剖析,进而提出策略建议. 相似文献
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银监会分设后,人民银行将专司货币政策、金融稳定、金融服务三大职能。作为人民银行的分支机构,基层人民银行的工作重心也将从金融监管调整到这三大职能上来。人民银行的科技部门,就要积极运用科技手段,为人民银行履行新的职能发挥“服务、支持、促进、发展”的作用。一、围绕三大职能搭建五大平台经过“六五打基础、七五作准备、八五大发展”几个阶段后,人民银行相继实现了核算电算化、清算网络化和办公信息化。特别是近一两年来,陆续开通了大额支付系统、信贷登记咨询系统、会计四集中系统、金融信息服务网站等系统,人民银行信息化水平又… 相似文献
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Abstract: Prior research has shown the prevalence of measurement error in models used to estimate aggregate discretionary accruals. In these models, the incremental information content of the various components of accruals is ignored. Limited prior research and data gathered from firms under Securities and Exchange Commission (SEC) litigation indicate that managers use either one or more than one component of accruals simultaneously, in a consistent way to manipulate bottom-line earnings in a given direction. I propose two measures that capture the consistency between the discretionary components of accruals and test their significance in earnings management (EM) detection in firms that have artificially added accrual manipulation and firms that were targeted by the SEC for accrual manipulation. There is evidence that this information is incrementally useful in detecting EM. This finding paves the way for improvements in the discretionary accruals measure by including consistency information from the components of aggregate accruals. 相似文献
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宋玲妹 《河南财政税务高等专科学校学报》2005,19(3):37-39
在中国,所有制形式的调整、改革与完善,先进生产力的发展,党的执政能力建设,是社会主义建设过程中密切结合在一起的三个不同层面的发展关系.应在相互促进和共同提高中促进社会的和谐发展,保证社会主义现代化建设战略目标的顺利实现. 相似文献
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Marjorie Rosenberg F.S.A. Ph.D. Warren Luckner F.S.A. 《North American actuarial journal : NAAJ》2013,17(4):64-82
Abstract The Society of Actuaries undertook a three-phase research project on mortality improvement in the three NAFTA countries: Canada, Mexico, and the U.S. Phase 1 consisted of a literature review of papers on projecting mortality levels in the future and a study of the trend in mortality improvement during this century. Phase 2 consisted of a discussion of different facets of modeling mortality rates at a seminar attended by 79 experts (actuaries, demographers, economists, and medical researchers) representing different countries. The last session of the seminar consisted of the completion of a survey by the attendees to obtain input for Phase 3, which would analyze the impact of mortality improvement on the social security system of each country. This paper summarizes the results of the survey. The survey results illustrate the difficulty in forecasting mortality levels, because the effects of many factors that could have significant impact on mortality rates are unknown. This suggests the need for dynamic forecasting, which allows for the possibility of random shocks. A majority of the survey respondents believe that stochastic forecasting models, despite their complexity, have significant potential to add value. Respondents also believe that both historical data and cause-specific mortality forecasts are useful as input and also in validating forecasts of the aggregate levels of mortality. The challenge is to develop more sophisticated forecasting models to produce results that are relatively easy to interpret and to communicate these results to the desired audiences, including the public and policymakers. The survey results suggest that the aggregate effect of lifestyle changes, medical advances, diseases, catastrophe, and physical environmental changes is an increase in life span. However, there is much uncertainty about the future. Respondents expect that beyond the year 2020 the mean annual rate of reduction in mortality for males age 65 and over will average about 0.58% for Canada, 0.76% for Mexico, and 0.67% for the U.S. The results for the female age 65 and over population are 0.64%, 0.83%, and 0.70%, respectively. The age 65 and over population is expected to see larger percentage reductions in mortality than the 0–14 and 15–64 populations. The reductions in male and female mortality will be ultimately the same, and the mortality levels in the three countries will ultimately converge, although differences may persist for decades. 相似文献
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一、引言随着国民经济的不断发展,银行业务与外部企业的联系越来越密切。银行正逐步成为现代经济活动的中心,作为数据处理核心的银行业务应用也越来越大型化、越来越复杂化,因此许多银行也把软件项目逐步由原来的自主开发转变为与公司合作的方式,或直接外包开发的方式,银行本身的技术人员也逐步由开发转向项目管理。二、项目外包的分类银行项目的外包有以下几种情况:①部分子系统外包,有时由于银行的软件项目太大,单靠银行自身的开发力量基本无法在预定的时间内完成项目,只好把相对独立的部分外包;②直接购买软件公司的成熟产品,有些金融软… 相似文献
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银行管理信息平台建设发展的思考 总被引:4,自引:0,他引:4
一、目前国内银行IT发展现状及面临的问题 银行数据集中工作的完成,标志着银行的业务由电子化建设阶段转入信息化建设阶段.一方面银行数据的集中提供了丰富全面的基础数据,面对日益庞大的数据源,如何将数字转化为对银行有用的信息,并从中发现知识,为银行的经营决策提供支持,是摆在银行IT人员面前的一个亟待解决的问题.另一方面用户对银行信息的需求日益增长,如果银行没有一套完整、实用的信息管理系统,将对业务发展非常不利.南京爱立信公司倒戈花旗银行事件曾经轰动一时,其中一个重要原因就是中国本地银行不能满足爱立信全球总部对南京爱立信公司的要求:每周财务上报和每天贷款限额管理.这一事件为中国商业银行的未来发展敲响了警钟,如果不加快管理信息系统的开发,迅速提升业务管理水平,类似的事件还会接连不断地发生,并最终导致国内商业银行在同国外商业银行的竞争中全面溃败. 相似文献
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The separation of a unit of account (UoA) from a medium of exchange (MoE) in the commodity–money system is investigated by considering explicitly a seller's choice of UoA in terms of either an MoE or a unit of metal weight. If the likelihood of debasement of an MoE and its rate are high enough, the price is posted in terms of a unit of metal weight rather than an MoE. Interestingly, this MoE–UoA separated equilibrium yields the flexible nominal price, whereas an MoE–UoA integrated equilibrium yields the sticky one. This implies the nominal price rigidity in the fiat‐money system where MoE and UoA are integrated. 相似文献
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Richard A. Lord 《The Financial Review》1998,33(2):69-84
Empirical studies suggest that time-series regression estimates of the degrees of operating and financial leverage have a tendency to produce measures less than one. According to ex ante theory, these measures should be greater than one for firms operating above the breakeven point. There have also been suggestions that the biases in these estimates may be attributable to an underlying increase in unit sales. This work presents evidence that these counter-intuitive measures are produced by changes in the firm's operating parameters (unit price, variable cost, fixed cost and interest payments). It further suggests that attempts to control for the underlying change in unit sales substantially increase the volatility of predicted estimates. 相似文献