• 제목/요약/키워드: U.C.C. Article 4A

검색결과 12건 처리시간 0.029초

미국(美國)의 전자자금이체(電子資金移替)시스템에 관한 고찰(考察) (Electronic Fund Transfer Systems in United States)

  • 강원진
    • 무역상무연구
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    • 제15권
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    • pp.59-87
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    • 2001
  • In recent years electronic fund transfers covered by the Electronic Fund Transfer Act 1978 for consumer protection and the Article 4A of Uniform Commercial Code(U.C.C.) 1989 for wholesale electronic payments in United States. Electronic fund transfers carried out by use of a wire transfer network, automated clearing house, or other communication system of a clearing house or other association of banks such as direct deposit, Fedwire, automated teller machine, point-of-sale, and credit card transactions have been increasingly common in consumer transactions and wholesale transactions. Especially, the Article 4A of U.C.C. governs the rights and obligations associated with transactions such as an issue and acceptance of payment order, execution of sender's payment order by receiving bank, and payment. These legal frameworks in connection with electronic fund transfers in United States can play a leading role in establishing model not only within the United States, but also as a basis for developments of electronic commerce law in Korea including other countries.

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국제 전자결제시스템에서 금융기관의 책임 및 정책적 시사점 -한국과 미국의 전자금융제도 비교- (A Comparative Study on bank's responsibilities in the Electronic Payment System -comparison between Korea and U.S.A-)

  • 이병렬
    • 통상정보연구
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    • 제12권1호
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    • pp.35-54
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    • 2010
  • This article explored the bank's responsibilities in electronic payment system between Korea and U.S.A. In order to complete my research object, I used Article 4A of the U.C.C. and EFTA of 1978 and by Electronic Financial Transaction Act of Korea as a analytic instruments. I also adapted America's various regulations to regulate concerned parties(banks). The system of this article is going to display as fellows; First, I presented recent trend and legal stabilities of electronic payment in this article. Second, I focuses on the allocation of risk of loss caused by ambiguous term in payment orders that do not express the subjective intention of the senders. I also did analyze the solution procession of error occurring in course of send of payment order. Third, In any action which involves a customers's liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized. Forth, Customers have to report the error and unauthorized electronic fund transfer after awaring of it. Then bank will be liable for such a unauthorized electronic fund transfer. But If customer's failure to report, the bank has exemptions. Lastly, In order to prevent or detect the unauthorized electronic fund transfer, bank will agree with custom to establish a commercially reasonable security procedure, while bank has duties to notify in order to decrease the loss resulted from unauthorized payment order in korea law.

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CONVOLUTION SUMS OF ODD AND EVEN DIVISOR FUNCTIONS

  • Kim, Daeyeoul
    • 호남수학학술지
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    • 제35권3호
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    • pp.445-506
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    • 2013
  • Let ${\sigma}_s(N)$ denote the sum of the s-th power of the positive divisors of N and ${\sigma}_{s,r}(N;m)={\sum_{d{\mid}N\\d{\equiv}r\;mod\;m}}\;d^s$ with $N,m,r,s,d{\in}\mathbb{Z}$, $d,s$ > 0 and $r{\geq}0$. In a celebrated paper [33], Ramanuja proved $\sum_{k=1}^{N-1}{\sigma}_1(k){\sigma}_1(N-k)=\frac{5}{12}{\sigma}_3(N)+\frac{1}{12}{\sigma}_1(N)-\frac{6}{12}N{\sigma}_1(N)$ using elementary arguments. The coefficients' relation in this identity ($\frac{5}{12}+\frac{1}{12}-\frac{6}{12}=0$) motivated us to write this article. In this article, we found the convolution sums $\sum_{k<N/m}{\sigma}_{1,i}(dk;2){\sigma}_{1,j}(N-mk;2)$ for odd and even divisor functions with $i,j=0,1$, $m=1,2,4$, and $d{\mid}m$. If N is an odd positive integer, $i,j=0,1$, $m=1,2,4$, $s=0,1,2$, and $d{\mid}m{\mid}2^s$, then there exist $u,a,b,c{\in}\mathbb{Z}$ satisfying $\sum_{k& lt;2^sN/m}{\sigma}_{1,i}(dk;2){\sigma}_{1,j}(2^sN-mk;2)=\frac{1}{u}[a{\sigma}_3(N)+bN{\sigma}_1(N)+c{\sigma}_1(N)]$ with $a+b+c=0$ and ($u,a,b,c$) = 1(Theorem 1.1). We also give an elementary problem (O) and solve special cases of them in (O) (Corollary 3.27).

RFID 시스템 환경 하에서 무역업무의 접근에 관한 고찰 (A Review on Approach of International Trade Practice Under RFID System Environment)

  • 서갑성
    • 통상정보연구
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    • 제10권4호
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    • pp.153-169
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    • 2008
  • The purpose of this paper is to review the major issues of between electronic trade and Ubiquitous computing. The rapidly developed environment by ubiquitous computing make the paradigm form e-trade to u-trade. This Article suggests an a-trade performance framework based on both field and literatures surveys. We propose some research subjects as well as practical implications for improving the performance of global c-trade under ubiquitous.

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INFINITELY MANY HOMOCLINIC SOLUTIONS FOR DIFFERENT CLASSES OF FOURTH-ORDER DIFFERENTIAL EQUATIONS

  • Timoumi, Mohsen
    • 대한수학회논문집
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    • 제37권1호
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    • pp.137-161
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    • 2022
  • In this article, we study the existence and multiplicity of homoclinic solutions for the following fourth-order differential equation (1) u(4)(x) + ωu''(x) + a(x)u(x) = f(x, u(x)), ∀x ∈ ℝ where a(x) is not required to be either positive or coercive, and F(x, u) = ∫u0 f(x, v)dv is of subquadratic or superquadratic growth as |u| → ∞, or satisfies only local conditions near the origin (i.e., it can be subquadratic, superquadratic or asymptotically quadratic as |u| → ∞). To the best of our knowledge, there is no result published concerning the existence and multiplicity of homoclinic solutions for (1) with our conditions. The proof is based on variational methods and critical point theory.

국제전자결제시스템으로서 CHIPS에 관한 연구 -Fedwire와 비교하여- (A Study on the CHIPS in the Cross-Border Payment System - Compared with Fedwire -)

  • 이병렬;이천우
    • 통상정보연구
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    • 제8권4호
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    • pp.71-88
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    • 2006
  • This article want to discuss on comparative research between CHIPS and Fedwire as the cross-border payment systems which America have and use at present. CHIPS is a New York-based automated private-sector clearing facility for large-dollar transfers. It is a central switch communication and settlement system whose 53 participating banks exchange same-day payment messages over dedicated communication lines linking each one to the CHIPS central computer. On January 22, 2001, CHIPS introduced immediate finality for payment released from the CHIPS queue. Unlike the Fedwire system, The CHIPS system is not a real-time gross settlement system. Instead, CHIPS is hybrid system that uses a computer program to select payment order in a queue for release to the receiving bank. CHIPS are governed by CHIPS Rules and Administrative Procedures. Fedwire system is a nationwide electronic fund-transfer system facilitating same-day transfers throughout the United States. It is a gross settlement system providing immediate credit to the receiving bank's master account. Communicating between a Federal Reserve Bank and Fedwire users can be either on-line or off-line. Fedwire transfers are governed by Subpart B of Regulation J, issued by the Federal Reserve Board, which incorporates U.C.C. Article 4A but preempts or supersedes any of its inconsistent provisions.

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Evaluation of the CNESTEN's TRIGA Mark II research reactor physical parameters with TRIPOLI-4® and MCNP

  • H. Ghninou;A. Gruel;A. Lyoussi;C. Reynard-Carette;C. El Younoussi;B. El Bakkari;Y. Boulaich
    • Nuclear Engineering and Technology
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    • 제55권12호
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    • pp.4447-4464
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    • 2023
  • This paper focuses on the development of a new computational model of the CNESTEN's TRIGA Mark II research reactor using the 3D continuous energy Monte-Carlo code TRIPOLI-4 (T4). This new model was developed to assess neutronic simulations and determine quantities of interest such as kinetic parameters of the reactor, control rods worth, power peaking factors and neutron flux distributions. This model is also a key tool used to accurately design new experiments in the TRIGA reactor, to analyze these experiments and to carry out sensitivity and uncertainty studies. The geometry and materials data, as part of the MCNP reference model, were used to build the T4 model. In this regard, the differences between the two models are mainly due to mathematical approaches of both codes. Indeed, the study presented in this article is divided into two parts: the first part deals with the development and the validation of the T4 model. The results obtained with the T4 model were compared to the existing MCNP reference model and to the experimental results from the Final Safety Analysis Report (FSAR). Different core configurations were investigated via simulations to test the computational model reliability in predicting the physical parameters of the reactor. As a fairly good agreement among the results was deduced, it seems reasonable to assume that the T4 model can accurately reproduce the MCNP calculated values. The second part of this study is devoted to the sensitivity and uncertainty (S/U) studies that were carried out to quantify the nuclear data uncertainty in the multiplication factor keff. For that purpose, the T4 model was used to calculate the sensitivity profiles of the keff to the nuclear data. The integrated-sensitivities were compared to the results obtained from the previous works that were carried out with MCNP and SCALE-6.2 simulation tools and differences of less than 5% were obtained for most of these quantities except for the C-graphite sensitivities. Moreover, the nuclear data uncertainties in the keff were derived using the COMAC-V2.1 covariance matrices library and the calculated sensitivities. The results have shown that the total nuclear data uncertainty in the keff is around 585 pcm using the COMAC-V2.1. This study also demonstrates that the contribution of zirconium isotopes to the nuclear data uncertainty in the keff is not negligible and should be taken into account when performing S/U analysis.

A study on the Healing Effects of UV-Day light for the healthy Leprosy Center through the ANOVA statistical analysis - Focused on 5S (Sort, Straighten, Shine, Standardize, Sustain)

  • Shaikh, Javaria Manzoor;Park, JaeSeung
    • 의료ㆍ복지 건축 : 한국의료복지건축학회 논문집
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    • 제19권4호
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    • pp.7-18
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    • 2013
  • Purpose: The aim of this paper is to reduce the stress and the disturbance occur in selective action of patient. This article will also help us to control spreading and reduce the order and bacteria produced by leprosy disease among the lepers. This will be achieved with the help of several variables and these variables help us on health benefits is 5S (Sort, Straighten, Shine, Standardize, Sustain) i.e. ratio of sectional morphology, lessor 90 degree angles, day light, universal design building and maximum ventilation. The replies from the questionnaire were collected based on varying levels of satisfaction and gloominess on the scale of 1-10. Methods: The multi-layer methodological framework for maximising the healing environment obtained from the observation of schemes and parameters of ANOVA: (Analysis Of Variance between five deciding factors) are. Firstly applied for the calculation of the patient's satisfaction for U.V light from sun on ECOTECT simulation, secondly the number of $90^{\circ}$ angle, along the corridors. Thirdly understanding the ways to represent people's perceptual structures and way finding with Space Syntax software. Fourthly the ratio of depth to height of the building typology and finally interviewing the subjects describing their special experiences based on scale value. The focus of this testing of human subjects was to receive data for the existence of image scheme in way-finding and to identify the mechanisms by which sun light impacts human (lepers) health. Results: AMPVA studies concluded that there is similarity between I and O plan as well as L and H plan whereas U plan was difference among the five selected architectural shapes. Implications: The purpose of this research is to show the effects of the I-type, L-type, C-type, U-type and O-type plan design, and to analyse the morphology for EBD (Evidence-Based Design) healing environment which is a universal design for Munghopir Karachi, in Pakistan.

Roles of ERK and NF-${\kappa}$ B in Interleukin-8 Expression in Response to Heat Shock Protein 22 in Vascular Smooth Muscle Cells

  • Kang, Seung-Hun;Lee, Ji-Hyuk;Choi, Kyung-Ha;Rhim, Byung-Yong;Kim, Koan-Hoi
    • The Korean Journal of Physiology and Pharmacology
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    • 제12권4호
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    • pp.171-176
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    • 2008
  • Heat shock proteins (HSPs) serve as molecular chaperones and play a role in cell protection from damage in response to stress stimuli. The aim of this article is to investigate whether HSP22 affects IL-8 expression in vascular smooth muscle cells (VSMCs), and which cellular factors are involved in the HSP-mediated IL-8 induction in that cell type in terms of mitogen activated protein kinase (MAPK) and transcription element. Exposure of aortic smooth muscle cells (AoSMCs) to HSP22 not only enhanced IL-8 release but also induced IL-8 transcript via promoter activation. HSP22 activated ERK and p38 MAPK in AoSMCs. HSP22-induced IL-8 release was inhibited by U0126, but not by SB202190. A mutation in the IL-8 promoter region at the binding site of NF-${\kappa}$ B, but not AP-1 or C/EBP, impaired promoter activation in response to HSP22. Delivery of I ${\kappa}$ B, but not dominant negative c-Jun, lowered HSP22-induced IL-8 release from AoSMCs. These results suggest that HS P22 induces IL-8 in VSMCs via ERK1/2, and that transcription factor NF-kB may be required for the HSP22-induced IL-8 up-regulation.

미국과 캐나다의 거액전자지급결제제도 비교연구 - 미국의 Fedwire와 캐나다의 LVTS를 중심으로 - (A Comparative Assessment Between LVTS of Canada and Fedwire of America as a Wholesale Electronic Payment System)

  • 이병렬
    • 통상정보연구
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    • 제19권1호
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    • pp.43-63
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    • 2017
  • 본 논문은 거액지급결제시스템인 캐나다의 LVTS와 미국의 Fedwire를 비교하여 연구하였다. 왜냐하면 양국은 국제결제은행(BIS) 지급결제제도위원회(CPSS)에 참가하고 있는 주요 14개국 중 동일한 북미경제권이며, LVTS와 Fedwire는 양국을 대표하는 거액지급결제시스템이기 때문이다. 연구의 결과, 양국의 시스템은 지급시스템의 제도적 기반과 지배구조, 참가방법, 지급지시의 착오, 위험관리정책 및 지급의 최종성과 효과가 다르다는 결론에 도달하였다. 또한 양 지급시스템의 연구를 통하여 한국의 지급결제시스템이 참여자들에게 인정받으면서 더욱 보편적인 시스템으로 발전하기 위한 정책적 시사점으로 다음과 같은 점을 제시하였다. 첫째, 소액과 거액이체시스템을 분리운영하고 있는 미국 및 캐나다와 다르게 한국은 통합시스템을 운영해왔다. 비록 연계결제망의 구축으로 10억원이상의 거액자금도 1회이체가 가능하게 되었으나 이를 통제할 수 있는 제도적 장치, 즉, 자금이체 주체별 및 금액별로 분리하여 참가자를 규율하는 것이 바람직하다. 둘째, 미국이나 캐나다에서 규정하고 있는 착오에 관한 명확한 정의 및 유형에 관하 규정이 한국의 제도에서는 명확한 명시가 없다. 참가자를 안정적으로 규율하기 위해서는 이를 별도로 규정할 필요가 있다. 마지막으로 이체규모에 제한이 사라진 만큼 참가기관에게 지급시스템 운영 기술력 확보, 적절한 비상시에 대비 백업자원 및 엄격한 보안 및 기술 요구조건 등을 추가하여 참가요건을 더욱 엄격히 요구할 필요가 있다.

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