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Concept

Credit card

Related publications (18)

A landmark environmental law looks ahead

Devis Tuia

In late December 1973, the United States enacted what some would come to call “the pitbull of environmental laws.” In the 50 years since, the formidable regulatory teeth of the Endangered Species Act (ESA) have been credited with considerable successes, ob ...

American Association for the Advancement of Science2023

FinTech Lending

Andreas Fuster

In this article, we review the growing literature on financial technology (FinTech) lending-the provision of credit facilitated by technology that improves the customer-lender interaction or used in lenders' screening and monitoring of borrowers. FinTech l ...

ANNUAL REVIEWS2022

A contagion process with self-exciting jumps in credit risk applications

Puneet Pasricha

The modeling of the probability of joint default or total number of defaults among the firms is one of the crucial problems to mitigate the credit risk since the default correlations significantly affect the portfolio loss distribution and hence play a sig ...

TAYLOR & FRANCIS LTD2022

Improved Credit Bounds for the Credit-Based Shaper in Time-Sensitive Networking

Jean-Yves Le Boudec, Eleni Stai, Ehsan Mohammadpour

In Time-Sensitive Networking (TSN), it is important to formally prove per-flow latency and backlog bounds. To this end, recent works have applied network calculus and obtained latency bounds from service curves. The latency component of such service curves ...

2019

Dynamic Credit-Collections Optimization

Thomas Alois Weber

Based on a dynamic model of the stochastic repayment behavior exhibited by delinquent credit-card accounts as a self-exciting point process, a bank can control the arrival intensity of repayments using costly account-treatment actions. A semi-analytic solu ...

2019

Secure Contactless Payment

Serge Vaudenay, Handan Kilinç Alper

A contactless payment lets a card holder execute payment without any interaction (e.g., entering PIN or signing) between the terminal and the card holder. Even though the security is the first priority in a payment system, the formal security model of cont ...

2018

Generic Round-Function-Recovery Attacks for Feistel Networks over Small Domains

Serge Vaudenay, Fatma Betül Durak

Feistel Networks (FN) are now being used massively to encrypt credit card numbers through format-preserving encryption. In our work, we focus on FN with two branches, entirely unknown round functions, modular additions (or other group operations), and when ...

ePrint2018

Generic Round-Function-Recovery Attacks for Feistel Networks over Small Domains

Serge Vaudenay, Fatma Betül Durak

2018

Socioeconomic characterization of regions through the lens of individual financial transactions

Emanuele Massaro

People are increasingly leaving digital traces of their daily activities through interacting with their digital environment. Among these traces, financial transactions are of paramount interest since they provide a panoramic view of human life through the ...

2017

A low-cost UWB sensor node powered by a piezoelectric harvester or solar cells

Nico de Rooij, Anja Skrivervik, Danick Briand, Pierre-André Farine, Franz-Josef Haug, Cyril Botteron, Pattanaphong Janphuang, Robert Andrew Lockhart, Christian Robert, Gabriele Tasselli

We propose an autonomous battery-less wireless sensor node that combines on a single printed circuit board an ultra-wideband (UWB) transmitter and its printed antenna, together with a piezoelectric cantilever and a solar cell array to harvest vibrations an ...

Elsevier2016

Dynamic Valuation of Delinquent Credit Card Accounts

Thomas Alois Weber

This paper introduces a dynamic model of the stochastic repayment behavior exhibited by delinquent creditcard accounts. Based on this model, we construct a dynamic collectability score (DCS) that estimates the account-specific probability of collecting a g ...

INFORMS2015

Helping each other teach: design and realisation of a social tutoring platform

Denis Gillet, Sten Govaerts

Today a wide range of technologies exist that support learning and teaching, ranging from learning management systems (LMS) to general social media platforms, such as Facebook and blogs. However, teaching with such tools and platforms can create various ob ...

2014

Leaning Against Boom-Bust Cycles in Credit and Housing Prices

Luisa Lambertini

This paper studies the potential gains of monetary and macro-prudential policies that lean against house-price and credit cycles. We rely on a model that features Borrowers and Savers and allows for over-borrowing induced by news-shock-driven cycles. We fi ...

Elsevier2013

Essays on Equilibrium Asset Pricing

This thesis consists of three chapters. The first chapter endogenizes technological change by introducing a stylized innovation process driven by a R&D–dependent Poisson process in a Cox, Ingersoll and Ross (1985) production economy. The model reproduces s ...

EPFL2010

Privacy of Recent RFID Authentication Protocols

Khaled Ouafi

Privacy is a major concern in RFID systems, especially with widespread deployment of wireless-enabled interconnected personal devices e.g. PDAs and mobile phones, credit cards, e-passports, even clothing and tires. An RFID authentication protocol should no ...

Springer2008

The link between innovation and finance : evidence from survey data

This thesis comprises three essays on the relationship between innovation and finance. Although previous research has acknowledged the multi-faceted nature of innovation, this thesis unpacks its constituent elements, compares alternative drivers of innovat ...

EPFL2008

Bio-inspired cellular machines : towards a new electronic paper architecture

Fabien Vannel

Information technology has only been around for about fifty years. Although the beginnings of automatic calculation date from as early as the 17th century (W. Schickard built the first mechanical calculator in 1623), it took the invention of the transistor ...

EPFL2007

Capital structure, credit risk, and macroeconomic conditions

Erwan Morellec

This paper develops a framework for analyzing the impact of macroeconomic conditions on credit risk and dynamic capital structure choice. We begin by observing that when cash flows depend on current economic conditions, there will be a benefit for firms to ...

2006

Related publications (18)