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

Response Speed as a Function of Different Reinforcement Conditions and a Ready Signal

80 preschool children were each administered 40 trials on a key-pressing apparatus. Marbles served as reinforcers. So given a ready signal performed faster than So not given a ready signal. There was no difference in the mean speeds of the partial reinforcement and the varied delay groups, but both of them performed faster than the constant delay group. The continuously and immediately rewarded group performed faster than the other three groups. The effect of a particular reward condition manifested itself on the immediately following trials. Interpretation in terms of competing responses was offered

Development of Sustainable Tourism Destinations and Poverty Alleviation of Bangladesh

Tourism sector has been considered as the crucial sectors of many different countries of the world. And sustainable tourism brings enormous scope as a rapid growing economic sector on the basis of foreign exchange earnings and generation of employment opportunity and thereby elevating poverty from the country. The central aim of this study is to investigate the role of sustainable tourism in alleviating poverty from developing countries, especially the northern part of Bangladesh. For this purpose, the different tourism sites have been selected that are situated in Rajshahi region like Padma Garden, Varendra Museum and Shaheed Kamruzzaman Zoo. Rajshahi, the major tourist destination region in Bangladesh which is very beautiful and flourished that has a great chance to contribute country’s infrastructure and economic development. This study conducts a survey on 200 respondents in three different places of Rajshahi through the structured questionnaires, observation, interview and literature review. An exploratory research method was employed because the nature of the study was descriptive due to the fact that most of the respondents were illiterate or semi illiterate. Besides IBM SPSS Statistics 20 is being used to analyze the data. Through the factor analysis and other measurements tools this study expatiates the social, cultural, economic, environmental and other factors which touching the sustainability of Rajshahi and also provide recommendations about the required steps that needs to be taken into account to palliate and to manage the drawbacks of tourism to make Rajshahi as a sustainable tourism destination. Besides it reveals the relationship between tourism development and poverty alleviation in Bangladesh. The study also suggested few ways by which existing tourism can be promoted and well developed in Bangladesh thereby ensuring sustainable tourism development (STD) and economic growth

Healing Images: A Historical Outline of their Use in Western Medical and Psychotherapeutic Traditions

The ancient literature of numerous cultures abounds with accounts of spectacular cures resulting from the imaging process. These accounts are now being corroborated by a growing body of clinical and experimental evidence. The effectiveness of mental imagery in the treatment of a wide variety of problems has been convincingly documented (Sheikh, 1983). This paper outlines the use of imagery in Western medical as well as psychotherapeutic traditions. It concludes with a discussion of the reasons that make imagery an excellent healing agent

Discrete Symmetries (C,P,T) in Noncommutative Field Theories

In this paper we study the invariance of the noncmmutative gauge theories under C, P and T transformations. For the noncommutative space (when only the spatial part of $\theta$ is non-zero) we show that NCQED is Parity invariant. In addition, we show that under charge conjugation the theory on noncommutative $R^4_{\theta}$ is transformed to the theory on $R^4_{-\theta}$, so NCQED is a CP violating theory. The theory remains invariant under time reversal if, together with proper changes in fields, we also change $\theta$ by $-\theta$. Hence altogether NCQED is CPT invariant. Moreover we show that the CPT invariance holds for general noncommutative space-time.Comment: Revtex File, 4 pages, no figures, minor changes from previous verion. To appear in Phys. Rev. Let