Mining Bad Credit Card Accounts from OLAP and OLTP

Credit card companies classify accounts as a good or bad based on historical data where a bad account may default on payments in the near future. If an account is classified as a bad account, then further action can be taken to investigate the actual nature of the account and take preventive actions. In addition, marking an account as "good" when it is actually bad, could lead to loss of revenue - and marking an account as "bad" when it is actually good, could lead to loss of business. However, detecting bad credit card accounts in real time from Online Transaction Processing (OLTP) data is challenging due to the volume of data needed to be processed to compute the risk factor. We propose an approach which precomputes and maintains the risk probability of an account based on historical transactions data from offline data or data from a data warehouse. Furthermore, using the most recent OLTP transactional data, risk probability is calculated for the latest transaction and combined with the previously computed risk probability from the data warehouse. If accumulated risk probability crosses a predefined threshold, then the account is treated as a bad account and is flagged for manual verification.Comment: Conference proceedings of ICCDA, 201

Who is Willing to Pay to Keep Livestock Production Away?

Residents have opposed location of nearby livestock facilities. Illinois residents were asked how much they would be willing to pay (WTP) to stop a dairy from locating near them. Most respondents would not pay. Demographic characteristics (income, education, age, gender, agricultural interest, activism, etc.) were used to evaluate respondents WTP.Livestock Production/Industries,

Investment Analysis of Alternative Dairy Systems under MILC

Three dairy systems, 120-cow grazing, 120-cow conventional, and 600-cow concentrated, were evaluated by internal rate of return (IRR) accounting for the Milk Income Loss Contract (MILC). With MILC, the grazing and conventional systems had higher IRRs. Without MILC, the 600-cow dairy had the highest IRR. Results were sensitive to assumptions.Concentrated feeding, conventional, grazing, internal rate of return, Livestock Production/Industries,

ECONOMIC IMPACTS ON THE ILLINOIS ECONOMY OF ALTERNATIVE DAIRY PRODUCTION SYSTEMS

Dairy in Illinois has declined in farm numbers, cows, and value of dairy product. Alternative dairy systems (intensive grazing, traditional, and a concentrated feeding system) were evaluated for their potential to sustain dairy in Illinois. The economic impact of each system on the Illinois economy was evaluated using IMPLAN.Livestock Production/Industries,

PUBLIC PERCEPTIONS REGARDING GROWTH OF THE DAIRY INDUSTRY IN ILLINOIS

Community opposition to dairies has altered location decisions by milk producers. Our objective was to identify residents' perceptions towards dairy by individual and community characteristics. A mail survey of residents of dairy counties and non-dairy counties was conducted. Dairy county residents were more willing to live close to a dairy.Livestock Production/Industries,

Colorado Native Plant Society Newsletter, Vol. 7 No. 2, March-April 1983

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