Topic
Credit card
About: Credit card is a research topic. Over the lifetime, 16998 publications have been published within this topic receiving 347688 citations. The topic is also known as: 💳 & App-O-Rama.
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Patent•
11 Mar 2009
TL;DR: In this paper, the authors proposed a method to eliminate the presence of visible identifying and correlating information on the credit card or debit card itself until the card is activated by a wireless biometric verification system.
Abstract: The present invention provides positive protection for the machine readable credit card, debit card, etc, against theft by eliminating the presence of visible identifying and correlating information on the credit card or debit card itself until the card is activated by a wireless biometric verification system The preferred mode of verification includes fingerprint data from the user
2 citations
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01 Jan 2000
TL;DR: In this paper, the authors look at the way consumer credit is practised in the United States and examine the extent to which it rests upon the institution of consumer credit, which has been largely overlooked by sociologists.
Abstract: ‘One aspect of the affluent consumer society that has largely gone unnoticed by sociologists is the extent to which it rests upon the institution of consumer credit.’ Thus writes David Caplovitz (1969, p. 641), an American University Professor specializing in consumer credit. There could hardly be a better introduction to this chapter which looks at the way consumer credit is practised in the United States.
2 citations
12 Dec 2014
TL;DR: This research paper looks at the roles and responsibilities of the Department of Defense as it relates to Homeland Defense and the protection of credit card information transitioning across the Internet.
Abstract: : Cyberspace attacks continue in the United States with many of these incidents crossing international borders. The global nature of cyberspace makes it difficult to determine if a breach into a computer system is an act of cyberterrorism, cyber crime, or cyber warfare. An attack to steal credit card information may be all three simultaneously. The Department of Defense is ready to protect the nation against all enemies in the air, on the land, or on the sea. These domains are well protected with military forces postured to respond. Our nation's economy is under constant attack through the cyberspace domain. Attacks through electronic means happen at the speed of light and require a quick response to contain. Proactive approaches defend our borders, but not our economy. Instead, the United States has a passive defense relying on the goodwill of commercial enterprises and the investigative approaches of law enforcement agencies. Through the United States Cyber Command, the Department of Defense has capability that can be used to defend America. This research paper looks at the roles and responsibilities of the Department of Defense as it relates to Homeland Defense and the protection of credit card information transitioning across the Internet.
2 citations
Posted Content•
TL;DR: The authors assesses the relative importance of two key drivers of mortgage default: negative equity and illiquidity, with comparably sized marginal effects, and find that negative equity is significantly associated with mortgage default.
Abstract: This paper assesses the relative importance of two key drivers of mortgage default: negative equity and illiquidity. To do so, the authors combine loan-level mortgage data with detailed credit bureau information about the borrower's broader balance sheet. This gives them a direct way to measure illiquid borrowers: those with high credit card utilization rates. The authors find that both negative equity and illiquidity are significantly associated with mortgage default, with comparably sized marginal effects. Moreover, these two factors interact with each other: The effect of illiquidity on default generally increases with high combined loan-to-value ratios (CLTV), though it is significant even for low CLTV. County-level unemployment shocks are also associated with higher default risk (though less so than high utilization) and strongly interact with CLTV. In addition, having a second mortgage implies significantly higher default risk, particularly for borrowers who have a first-mortgage LTV approaching 100 percent.
2 citations
Patent•
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18 Jul 2002
TL;DR: In this article, a credit card for a minor is provided to minimize an adverse reaction and social problems according to the excessive issue of the credit cards by setting a maximum limit of use.
Abstract: PURPOSE: A credit card for a minor is provided to minimize an adverse reaction and social problems according to the excessive issue of the credit cards by setting a maximum limit of use. CONSTITUTION: In the credit card for a minor, a maximum limit of usable money is able to be varied under the approval of parents anytime. In addition, the credit card is set to induce a planning use of the credit card by allowing the minor to use only a predetermined installment money corresponding to 60 percent of an allowance, namely a usable limit amount of money per one month within a total installment money limit determined under the approval of parents.
2 citations