This paper investigates the structure of the payment card market, with consumers and merchants basing their subscription decisions on different information sets. We find that the market structure depends crucially on ...This paper investigates the structure of the payment card market, with consumers and merchants basing their subscription decisions on different information sets. We find that the market structure depends crucially on the information set on which consumers and merchants base their subscription decisions. In the studied case, we observe that a market with few cards dominating only emerges when decisions are based on very limited information. Under the same conditions using a complete information set, all cards survive in the long run. The use of an agent-based model, focusing on the interactions between merchants and consumers, as a basis for subscription decisions allows us to investigate the dynamics of the market and the effect of the indirect network externalities rather than investigating only equilibrium outcomes.展开更多
目前数据中心规模迅速扩大和网络带宽大幅度提升,传统软件网络协议栈的处理器开销较大,并且难以满足众多数据中心应用程序在吞吐、延迟等方面的需求.远程直接内存访问(remote direct memory access,RDMA)技术采用零拷贝、内核旁路和处...目前数据中心规模迅速扩大和网络带宽大幅度提升,传统软件网络协议栈的处理器开销较大,并且难以满足众多数据中心应用程序在吞吐、延迟等方面的需求.远程直接内存访问(remote direct memory access,RDMA)技术采用零拷贝、内核旁路和处理器功能卸载等思想,能够高带宽、低延迟地读写远端主机内存数据.兼容以太网的RDMA技术正在数据中心领域展开应用,以太网RDMA网卡作为主要功能承载设备,对其部署发挥重要作用.综述从架构、优化和实现评估3个方面进行分析:1)对以太网RDMA网卡的通用架构进行了总结,并对其关键功能部件进行了介绍;2)重点阐述了存储资源、可靠传输和应用相关3方面的优化技术,包括面向网卡缓存资源的连接可扩展性和面向主机内存资源的注册访问优化,面向有损以太网实现可靠传输的拥塞控制、流量控制和重传机制优化,面向分布式存储中不同存储类型、数据库系统、云存储系统以及面向数据中心应用的多租户性能隔离、安全性、可编程性等方面的优化工作;3)调研了不同实现方式、评估方式.最后,给出总结和展望.展开更多
Credit card fraud is a wide-ranging issue for financial institutions, involving theft and fraud committed using a payment card. In this paper, we explore the application of linear and nonlinear statistical modeling an...Credit card fraud is a wide-ranging issue for financial institutions, involving theft and fraud committed using a payment card. In this paper, we explore the application of linear and nonlinear statistical modeling and machine learning models on real credit card transaction data. The models built are supervised fraud models that attempt to identify which transactions are most likely fraudulent. We discuss the processes of data exploration, data cleaning, variable creation, feature selection, model algorithms, and results. Five different supervised models are explored and compared including logistic regression, neural networks, random forest, boosted tree and support vector machines. The boosted tree model shows the best fraud detection result (FDR = 49.83%) for this particular data set. The resulting model can be utilized in a credit card fraud detection system. A similar model development process can be performed in related business domains such as insurance and telecommunications, to avoid or detect fraudulent activity.展开更多
文摘This paper investigates the structure of the payment card market, with consumers and merchants basing their subscription decisions on different information sets. We find that the market structure depends crucially on the information set on which consumers and merchants base their subscription decisions. In the studied case, we observe that a market with few cards dominating only emerges when decisions are based on very limited information. Under the same conditions using a complete information set, all cards survive in the long run. The use of an agent-based model, focusing on the interactions between merchants and consumers, as a basis for subscription decisions allows us to investigate the dynamics of the market and the effect of the indirect network externalities rather than investigating only equilibrium outcomes.
文摘目前数据中心规模迅速扩大和网络带宽大幅度提升,传统软件网络协议栈的处理器开销较大,并且难以满足众多数据中心应用程序在吞吐、延迟等方面的需求.远程直接内存访问(remote direct memory access,RDMA)技术采用零拷贝、内核旁路和处理器功能卸载等思想,能够高带宽、低延迟地读写远端主机内存数据.兼容以太网的RDMA技术正在数据中心领域展开应用,以太网RDMA网卡作为主要功能承载设备,对其部署发挥重要作用.综述从架构、优化和实现评估3个方面进行分析:1)对以太网RDMA网卡的通用架构进行了总结,并对其关键功能部件进行了介绍;2)重点阐述了存储资源、可靠传输和应用相关3方面的优化技术,包括面向网卡缓存资源的连接可扩展性和面向主机内存资源的注册访问优化,面向有损以太网实现可靠传输的拥塞控制、流量控制和重传机制优化,面向分布式存储中不同存储类型、数据库系统、云存储系统以及面向数据中心应用的多租户性能隔离、安全性、可编程性等方面的优化工作;3)调研了不同实现方式、评估方式.最后,给出总结和展望.
文摘Credit card fraud is a wide-ranging issue for financial institutions, involving theft and fraud committed using a payment card. In this paper, we explore the application of linear and nonlinear statistical modeling and machine learning models on real credit card transaction data. The models built are supervised fraud models that attempt to identify which transactions are most likely fraudulent. We discuss the processes of data exploration, data cleaning, variable creation, feature selection, model algorithms, and results. Five different supervised models are explored and compared including logistic regression, neural networks, random forest, boosted tree and support vector machines. The boosted tree model shows the best fraud detection result (FDR = 49.83%) for this particular data set. The resulting model can be utilized in a credit card fraud detection system. A similar model development process can be performed in related business domains such as insurance and telecommunications, to avoid or detect fraudulent activity.
