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Reforming Business Classification Systems of Merchants: A Case of S-Card's Customer Segmentation Strategy (S카드사의 가맹점 분류체계 정비를 통한 고객세분화 전략)

  • Park, Jin-Soo;Chang, Nam-Sik;Hwang, You-Sub
    • Information Systems Review
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    • v.10 no.3
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    • pp.89-109
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    • 2008
  • Korean card firms suffered harsh setbacks due to high credit defaults in 2002 and 2003, after issuing cards recklessly. Their key principle is changed to grow without damaging profitability and financial soundness. However, competition in the credit card market is heating up rapidly. Bank-affiliated card firms, having stronger sales networks and more capital than independent issuers, have increased their investments in card affiliates in a bid to develop new cash cows. Moreover, newly emerging independent card firms have waged fiercer campaigns to raise their credit card market share. In order to overcome these business conditions, S-card has settled on a strategy that focuses on stepping up marketing aimed at increasing charge card spending rather than credit card loans or cash lending services. Accordingly, S-card reformed the current business classification system of merchants, which was out-of-dated and originally built for the purpose of deciding merchant service fees only. They also drove customer segmentation planning to deliver the right customers to the right merchants. In this paper, we emphasize the problems of business classification systems of merchants with which most credit card firms have faced, and the need for reforming them not only to provide customer-tailored services but also to raise their business promotion excellence by reviewing S-card's process of customer segmentation.

Study on CGM-LMS Hybrid Based Adaptive Beam Forming Algorithm for CDMA Uplink Channel (CDMA 상향채널용 CGM-LMS 접목 적응빔형성 알고리듬에 관한 연구)

  • Hong, Young-Jin
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.32 no.9C
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    • pp.895-904
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    • 2007
  • This paper proposes a robust sub-optimal smart antenna in Code Division Multiple Access (CDMA) basestation. It makes use of the property of the Least Mean Square (LMS) algorithm and the Conjugate Gradient Method (CGM) algorithm for beamforming processes. The weight update takes place at symbol level which follows the PN correlators of receiver module under the assumption that the post correlation desired signal power is far larger than the power of each of the interfering signals. The proposed algorithm is simple and has as low computational load as five times of the number of antenna elements(O(5N)) as a whole per each snapshot. The output Signal to Interference plus Noise Ratio (SINR) of the proposed smart antenna system when the weight vector reaches the steady state has been examined. It has been observed in computer simulations that proposed beamforming algorithm improves the SINR significantly compared to the single antenna case. The convergence property of the weight vector has also been investigated to show that the proposed hybrid algorithm performs better than CGM and LMS during the initial stage of the weight update iteration. The Bit Error Rate (BER) characteristics of the proposed array has also been shown as the processor input Signal to Noise Ratio (SNR) varies.

Single Degree of Freedom Hybrid Dynamic Test with Steel Frame Structure (강 뼈대 구조물의 단자유도 하이브리드 동적 실험)

  • Kim, Se-Hoon;Na, Ok-Pin;Kim, Sung-Il;Lee, Jae-Jin;Kang, Dae-Hung
    • Journal of the Korean Society for Railway
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    • v.15 no.4
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    • pp.413-421
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    • 2012
  • The purpose of this study is to evaluate the structural dynamic behavior under hybrid control system. The hybrid test is to consider the interaction between the numerical and physical models. In this paper, single degree of freedom hybrid test was performed with one-bay, two-story steel frame structure. One column at the first floor was selected as a physical substructure and one actuator was used for applying the displacement load in horizontal direction. El Centro as earthquake waves was inputted and OpenSees was employed as the numerical analysis program for the hybrid real-time simulation. As a result, the total time of the hybrid test was about 9.6% of actual measured seismic period. The experimental results agreed well with the numerical one in terms of the maximum displacement. In nonlinear analysis, however, material nonlinearity made a difference of residual strain. Therefore, this hybrid dynamic test can be used to predict the structural dynamic performance more effectively than shaking table test, because of the spatial and economic limitations.

Development of River Recreation Index Model by Synthesis of Water Quality Parameters (수질인자의 합성에 의한 하천 레크리에이션 지수 모델의 개발)

  • Seo, Il Won;Choi, Soo Yeon
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.34 no.5
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    • pp.1395-1408
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    • 2014
  • In this research, a River Recreation Index Model (RRIM) was developed to provide sufficient information on the water quality of rivers to the public in order to secure safety of publics. River Recreation Index (RRI) is an integrated water quality information for recreation activities in rivers and expressed as the point from 0 to 100. The proposed RRIM consisted of two sub models: Fecal Coliform Model (FCM) and Water Quality Index Model (WQIM). FCM predicted Fecal Coliform Grade (FCG) using a logistic regression and WQIM synthesized water quality parameters of, DO, pH, turbidity and chlorophyll a into Water Quality Index (WQI). FCG and WQI were integrated into RRI by the integrating algorithm. The proposed model was applied to upstream of Gangjeong Weir in Nakdong River, and compared with Real Time Water Quality Index (RTWQI) which is the existing water quality information system for recreation use. The results show that calculated RRI reflected change of integrated water quality parameters well. Especially chlorophyll a showed Pearson correlation coefficient -0.85 with RRI. Also, RRIM produced more conservative index than RTWQI because RRI was calculated considering uncertainty of water quality criteria. Further, RRI showed especially low values when fecal coliform was predicted as low grade.

Topographic Characteristics, Formation and Classification of Soils Developed in Limestone -II. Clay Mineralogical Properties, Formation and Classification of Limestone Soils from Yeongweal Area of Gangweon-Do (석회암(石灰岩) 토양(土壤)의 지형적(地形的) 특성(特性)과 생성(生成) 및 분류(分類) -II. 강원도(江原道) 영월지역(靈越地域) 석회암(石灰岩) 토양(土壤)의 점토광물특성(粘土鑛物特性)과 생성(生成) 및 분류(分類))

  • Jung, Sug-Jae;Kim, Tai-Soon;Kim, Young-Ho;Moon, Joon
    • Korean Journal of Soil Science and Fertilizer
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    • v.23 no.1
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    • pp.1-7
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    • 1990
  • Clay mineralogical properties, soil formation and classification for the limestone derived soil were discussed from the 4 soil series, Pyeongchang, Anmi, Yulgog, and Mungyeong, distributed over the area of Bangjeol-Ri, Yeongweol-Eup, Gangweon-Do. The results are as follows; 1. Kaolinite and Al-interlayered vermiculite were the main clay minerals and other minerals were illite, vermiculite, and chlorite. 2. CEC of topsoil ranged from 10.5 to 22.9me/100g and that of sub-soil ranged from 10.0 to 23.8me/100g. CEC seemed to be increased with descending from topograpical position and had slightly significant positive correlation. 3. Lithologic changes as a runction of soil depth showed smooth change for Pyeongchang, discontinuity for Anmi, unpredictability for Yulgog, and uniformity for Mungyeong series. 4. According to the new system of soil taxanomy Pyeongchang series was classified as Typic Hapludalfs, Anmi as Fluventic Eutrochrepts, Yulgog as Fluvaquentic Eutrochrepts, and Mungyeong as Aeric Haplaquepts.

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Addition Polymerization of 5-Norbornene-2-carboxylic Acid Esters Using Palladium Catalyst System: Synthesis of Monomers, Effect of Their Stereochemistry on Polymerization Behavior (Palladium 촉매를 이용한 5-Norbornene-2-carboxylic Acid Esters의 부가 중합: 단량체의 합성, 단량체의 Stereochemistry(Endo-, Exo-이성질체)가 고분자의 중합 거동에 미치는 영향)

  • Chung, Hae-Kang;Shim, Hyoug-Sub;Jeon, Seung-Ho;Kim, Ji-Heung;Nam, Sung Woo;Jeon, Boong Soo;Kim, Young Jun
    • Polymer(Korea)
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    • v.39 no.3
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    • pp.487-492
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    • 2015
  • The effects of chemical structure of alkyl groups of norbornene carboxylic alkyl esters(methyl, octyl, 4-chlorobenzyl) and endo/exo ratios of norbornene monomers on activity of palladium catalyst and polymerization behavior were investigated. Norbornene ester monomers were synthesized from the reaction of 5-norborene-2-carboxylic acid and various alcohols. Polymerization catalyst, di-${\mu}$-chloro-bis(-methoxybicyclo[2,2,1]-hept-2-ene)palladium(II) (DCBMP), was synthesized according to the literature procedure and silver hexafluoroantimonate ($AgSbF_6$) was used as a conjugate anion source. Gel permeation chromatography (GPC), thermogravimetric analysis (TGA), differential scanning calorimetry (DSC) were the principal techniques for polymer characterization and $^1H$ NMR spectroscopy was used for chemical structures determination of monomers and polymers. For all of the norbonene alkyl esters GPC data showed that when the amounts of endo isomers exceeded those of exo isomers decreased molecular weight polymers were obtained probably due to the decreased catalyst activity. Polymerizations were conducted by varying the monomer/catalyst mole ratios (100:1, 200:1, 300:1). When 300:1 monomer/catalyst ratio was employed it was possible to synthesize high molecular weight ($M_n=27500g/mol$), film forming polymer from exo-norbornene carboxylic acid octyl ester.

Improved Escalation Method for the Cost Estimation System using Previous Bid Price in Public Construction Projects (공공 건설공사에서의 실적공사비 적용에 따른 물가변동률 산정기준 개선방안)

  • Baek, Seung-Ho;Kang, Tai-Kyung;Lee, Yoo-Sub
    • Journal of the Korea Institute of Building Construction
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    • v.12 no.1
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    • pp.108-114
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    • 2012
  • Escalation method examining the changes in price index has been widely utilized in public construction projects. The previous escalation method determined estimated changes in price based on the average unit price of contract items over a period of time. In relation to this method, the issue has been raised that the fluctuation rates of previous method show different trends compared with other related price indices, as the influence of the small group of contract items with large unit prices overwhelms the others. This research suggested an improved escalation method which estimates the fluctuation rate by examining the changes in CCI (construction cost index) and applies it to the total amount or the partial amount deducted for labor cost in price escalation for previous bid price method. To verify the improvement, a case study is conducted on an educational facility, and the fluctuation rate was estimated in two different base periods (short term, long term). The results over the long term showed similar tendencies to those of related price indices, as well as significant differences in fluctuation rates compared to those of the previous method.

Repaglinide, but Not Nateglinide Administered Supraspinally and Spinally Exerts an Anti-Diabetic Action in D-Glucose Fed and Streptozotocin-Treated Mouse Models

  • Sim, Yun-Beom;Park, Soo-Hyun;Kang, Yu-Jung;Kim, Sung-Su;Kim, Chea-Ha;Kim, Su-Jin;Lim, Su-Min;Jung, Jun-Sub;Ryu, Ohk-Hyun;Choi, Moon-Gi;Suh, Hong-Won
    • The Korean Journal of Physiology and Pharmacology
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    • v.17 no.6
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    • pp.493-497
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    • 2013
  • We have recently demonstrated that some anti-diabetic drugs such as biguanide and thizolidinediones administered centrally modulate the blood glucose level, suggesting that orally administered anti-diabetic drugs may modulate the blood glucose level by acting on central nervous system. The present study was designed to explore the possible action of another class of anti-diabetic drugs, glinidies, administered centrally on the blood glucose level in ICR mice. Mice were administered intracerebroventricularly (i.c.v.) or intrathecally (i.t.) with 5 to $30{\mu}g$ of repaglinide or nateglinide in D-glucose-fed and streptozotocin (STZ)-treated models. We found that i.c.v. or i.t. injection with repaglinide dose-dependently attenuated the blood glucose level in D-glucose-fed model, whereas i.c.v. or i.t. injection with nateglinide showed no modulatory action on the blood glucose level in D-glucose-fed model. Furthermore, the effect of repaglinide administered i.c.v. or i.t. on the blood glucose level in STZ-treated model was studied. We found that repaglinide administered i.c.v. slightly enhanced the blood glucose level in STZ-treated model. On the other hand, i.t. injection with repaglinide attenuated the blood glucose level in STZ-treated model. The plasma insulin level was enhanced by repaglinide in D-glucose-fed model, but repaglinide did not affect the plasma insulin level in STZ-treated model. In addition, nateglinide did not alter the plasma insulin level in both D-glucose-fed and STZ-treated models. These results suggest that the anti-diabetic action of repaglinide appears to be, at least, mediated via the brain and the spinal cord as revealed in both D-glucose fed and STZ-treated models.

Study of Composite channel Structure of Metamorphic HEMT for the Improved Device Characteristics (기존의 MHEMT와 InP 합성 채널 MHEMT의 소자의 항복 특성 분석 및 비교 연구)

  • Choi, Seok-Gyu;Baek, Yong-Hyun;Han, Min;Bang, Seok-Ho;Yoon, Jin-Seob;Rhee, Jin-Koo
    • Journal of the Institute of Electronics Engineers of Korea SD
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    • v.44 no.12
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    • pp.1-6
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    • 2007
  • In this study, we have performed the channel modification of the conventional MHEMT (metamorphic high electron mobility transistor) to improve the breakdown characteristics. The Modified channel consists of the InxGal-xAs channel and the InP sub channel instead of the InxGa1-xAs channel. Since InP has the lower impact ionization coefficient in comparison with In0.53Ga0.47As, we have adopted the InP-composite channel in the modified MHEMT. We have investigated the breakdown mechanism and the RF characteristics for the conventional and the InP- composite channel MHEMTs. From the measurement results, we have obtained the enhanced on and off-state breakdown voltages of 2.4 and 5.7 V, respectively. Also, the increased RF characteristics have brought about the decreased output conductance for the InP-composite channel MHEMT. The cut-off frequency (fT) and the maximum oscillation frequency (fmax) for the InP-composite Channel MHEMT were 160 GHz and 230 GHz, respectively. It has been shown that the InP-composite channel MHEMT has the potential applications for the millimeter wave power device.

Numerical Stability of Serial Staggered Methods in Fluid-Structure Interaction Analysis of Solid Rocket Motors (고체추진기관의 유동-구조 상호작용 해석에서 Serial Staggered 기법의 수치 안정성)

  • Cho, Hyun-Joo;Lee, Jee-Ho;Lee, Chang-Soo;Kim, Chong-Am;Kim, Shin-Hoe;Lee, Jeong-Sub
    • Journal of the Computational Structural Engineering Institute of Korea
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    • v.29 no.2
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    • pp.179-185
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    • 2016
  • In this paper numerical stability of CSS and ISS schemes in axisymmetric fluid-structure-burning simulation for solid rocket motors are studied. The implemented CSS and ISS algorithms for two-dimensional axisymmetric FSI problems are used to analyze ACM and BCM solid rocket motors. Numerical results from CSS and ISS schemes are compared to investigate the efficacy of ISS scheme over CSS scheme in stabilizing the numerical solution. The ACM and BCM simulation results show that ISS scheme gives stable and converged numerical solutions with appropriately small system time step size, while CSS scheme fails to converge after generating rapidly amplified oscillatory solutions. It is concluded that ISS scheme can be useful in improving the numerical stability of FSI analysis for ACM and BCM solid rocket motor simulations, which is not successfully obtained with CSS scheme.