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Download Free PDF Ebooks Graphical User Interface Programming
Submitted by acrobat on Thu, 06/05/2008 - 15:58
Almost as long as there have been user interfaces, there have been special software systems and tools tohelp design and implement the user interface software. Many of these tools have demonstrated significant productivity gains for programmers, and have become important commercial products. Others have proven less successful at supporting the kinds of user interfaces people want to build. Virtually all applications today are built using some form of user interface tool [Myers 2000].
User interface (UI) software is often large, complex and difficult to implement, debug, and modify. As interfaces become easier to use, they become harder to create [Myers 1994]. Today, direct manipulation interfaces (also called “GUIs†for Graphical User Interfaces) are almost universal. These interfaces require that the programmer deal with elaborate graphics, multiple ways for giving the same command, multiple asynchronous input devices (usually a keyboard and a pointing device such as a mouse), a “mode free†interface where the user can give any command at virtually any time, and rapid “semantic feedback†where determining the appropriate response to user actions requires specialized information about the objects in the program. Interfaces on handheld devices, such as a Palm organizer or a Microsoft PocketPC device, use similar metaphors and implementation strategies. Tomorrow’s user interfaces will provide speech recognition, vision from cameras, 3-D, intelligent agents and integrated multi-media, and will probably be even more difficult to create. Furthermore, because user interface design is so difficult, the only reliable way to get good interfaces is to iteratively re-design (and therefore re-implement) the interfaces after user testing, which makes the implementation task even harder.
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Ebook Credit Card Acceptance & Chargeback Prevention
Submitted by antoq on Fri, 07/10/2009 - 02:52This guidebook provides travel agents with the information they need to make informed decisions regarding credit card acceptance. Today, transactions take place, predominately, via the phone, e-mail or Internet. The processes for accepting credit cards also varies according to situation. When accepting credit cards it is strongly recommended that the travel agent confirm that the card is valid and active, that the cardholder identity can be authenticated, and that the transaction is legitimate.
A rising portion of travel sales are conducted with customers in a non face-to-face environment. Because of this, the risk of accepting credit card transactions that are later identified as fraud has increased. In an attempt to remain competitive, and in a market where customers expect to purchase travel from the comfort of their home, travel agents often accept credit card payment from first-time customers with very little identifying information. By supporting this type of distribution, travel agents take the risk that customers are perpetrating fraud, so weigh the pros and cons.
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Ebook Deposit Insurance, Bank Regulation, and Financial System Risks
Submitted by puput on Fri, 01/15/2010 - 03:51Many financial contracts have the primary purpose of transferring risk between different economic agents. In recent decades, innovations by private financial institutions and markets in the form of derivatives and other securities have expanded the opportunities for allocating risks. However, for many years the federal government has offered insurance contracts that shift risk from private entities to taxpayers. Its role as an insurer of private risks continues to be large despite the private financial innovations that might be expected to supplant it.
This paper considers how the largest federal insurance program, deposit insurance, influences financial system risks. I focus on how the presence of this insurance can change the investment decisions of individuals, banks, and firms. While a government deposit guarantee may produce risk-sharing benefits, I argue that the current methods for pricing this guarantee and for regulating banks are leading to new forms of moral hazard that are killing off efficient private financial innovations. Moral hazard is also created because insurance mis-pricing and capital regulations have the effect of subsidizing systematic risks. I then explore the possibility that there are alternative ways that a government might offer deposit insurance that produce less inefficiencies.
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