移动支付商业模式分析

目前我国移动支付形成了以移动运营商为运营主体、以银行为运营主体、和以独立的第三方为运营主体三种商业模式。移动支付业务涉及面广泛,移动运营商、银行等必须携手建立移动支付产业链,通过互补性合作促进移动支付应用的发展。从未来来看,移动支付平台运营商作为运营主体有望成为行业的标准,但绝对不是一家独吞的市场,而是具有自己的产业链和经营模式,需要多方共同合作经营。     

移动支付市场三大服务商博弈研究

随着移动互联网和移动支付市场的快速发展,移动支付业务已经成为当前移动增值业务发展的重点。为了获取最大利润,移动支付市场的主要参与者已经展开激烈的竞争以抢占市场份额。从移动运营商、银行、第三方支付服务提供商视角出发,结合实际,建立了移动支付市场完全信息的古诺模型和不完全信息古诺模型,通过求解和分析模型,提出了适合我国国情的移动支付市场运营模式,即移动运营商与银行合作且由第三方支付服务提供商协助支持。     

移动支付：厂商需努力，用户需理解

最近和不少手机支付的厂商对于移动支付的运行机制、现在存在的问题、产业链的情况各个方面进行了交流，其中包括产业链的各个芯片、解决方案提供商和第三方支付运营商。我想，对于移动支付，厂商需要努力，用户也需要理解。     

运营商移动支付变局

国内移动支付已经形成了三雄争霸的局面,银行系、运营商、第三方互联网企业对移动支付市场的争夺日趋激烈。银行系虽然赢得了标准之争,但产业格局尚未成型,处于布局卡位阶段,各方均有机会。国内移动支付已经形成了三雄争霸的局面,银行系、运营商、第三方互联网企业对移动支付市场的争夺日趋激烈。银行系虽然赢得了标准之争,但产业格局尚未成型,处于布局卡位阶段,各方均有机会。     

电子支付的楚河汉界

近日中移动398亿元认购浦发银行20％股权,为其移动金融及电子商务业务布局。这将给第三方支付企业、电信运营商和传统银行三足鼎立的电子支付市场注入何种力量？     

谁动了银行的奶酪？

互联网支付业务．听上去像是属于银行的奶酪．但这块业务确是被第三方支付做得有声有色；移动支付业务的奶酪，随着运营商获得在支付牌照，也将与银行关联度日渐缩小。谁动了银行的奶酪？谁更了解用户，更能赢得市场，谁就有权利分食这块奶酪。     

移动支付——只差临门一脚

中国移动支付业务历经2002-2004年不温不火的发展过程, 2004年下半年以来,若干主要的第三方移动支付运营商的业务有放量增长的趋势,使得移动支付业务的地域覆盖范围越来越广,产业链其他环节也越来越积极地寻求合作机会,尤其是运营商将其看作是增加用户粘性,进行客户挽留的最     

移动支付——只差临门一脚

中国移动支付业务历经2002-2004年不温不火的发展过程,2004年下半年以来,若干主要的第三方移动支付运营商的业务有放量增长的趋势,使得移动支付业务的地域覆盖范围越来越广,产业链其他环节也越来越积极地寻求合作机会,尤其是运营商将其看作是增加用户粘性,进行客户挽留的最佳业务,促使移动支付得到进一步的发展.诺盛电信咨询认为:通过考虑网上购物用户向移动互联网用户迁移的比例和新增银行卡用户的比例,可以看出移动支付正在处于一个井喷市场的边界线.尤其是国内外的一些成功案例必将对整个市场起着示范和先锋的作用,使得更多的企业愿意加入到移动支付的行列之中.     

移动互联网的三驾马车

运营商、设备商和服务商,是一条产业链上产生价值的三个部分。在未来的移动互联网运营中,这三个部分都是不可或缺的。随着中国移动互联网产业的逐渐成型,这三驾马车便开始推动整个产业的良性发展。     

联通渠道的农村革命

缴费方式的变化本质上是移动运营商和银行联手对支付模式进行的创新.[编者按]     

Only connect: teaching, technology and telesis

Abstract This paper describes an approach to the design of interactive multimedia materials being developed in a European Community project. The developmental process is seen as a dialogue between technologists and teachers. This dialogue is often problematic because of the differences in training, experience and culture between them. Conditions needed for fruitful dialogue are described and the generic model for learning design used in the project is explained.     

European Community policy and the market

Abstract This paper starts with some reflections on the policy considerations and priorities which are shaping European Commission (EC) research programmes. Then it attempts to position the current projects which seek to capitalise on information and communications technologies for learning in relation to these priorities and the apparent realities of the marketplace. It concludes that while there are grounds to be optimistic about the contribution EC programmes can make to the efficiency and standard of education and training, they are still too technology driven.     

一种自适应子融合集成多分类器方法

融合集成方法已经广泛应用在模式识别领域,然而一些基分类器实时性能稳定性较差,导致多分类器融合性能差,针对上述问题本文提出了一种新的基于多分类器的子融合集成分类器系统。该方法考虑在度量层融合层次之上通过对各类基多分类器进行动态选择,票数最多的类别作为融合系统中对特征向量识别的类别,构成一种新的自适应子融合集成分类器方法。实验表明,该方法比传统的分类器以及分类融合方法识别准确率明显更高,具有更好的鲁棒性。     

Avoiding semantic and temporal gaps in developing software intensive systems

Development of software intensive systems (systems) in practice involves a series of self-contained phases for the lifecycle of a system. Semantic and temporal gaps, which occur among phases and among developer disciplines within and across phases, hinder the ongoing development of a system because of the interdependencies among phases and among disciplines. Such gaps are magnified among systems that are developed at different times by different development teams, which may limit reuse of artifacts of systems development and interoperability among the systems. This article discusses such gaps and a systems development process for avoiding them.     

Designing economic np control charts: A programmed simulation approach

This paper presents control charts models and the necessary simulation software for the location of economic values of the control parameters. The simulation program is written in FORTRAN, requires only 10K of main storage, and can run on most mini and micro computers. Two models are presented - one describes the process when it is operating at full capacity and the other when the process is operating under capacity. The models allow the product quality to deteriorate to a further level before an existing out-of-control state is detected, and they can also be used in situations where no prior knowledge exists of the out-of-control causes and the resulting proportion defectives.     

The development of robot art

Going through a few examples of robot artists who are recognized worldwide, we try to analyze the deepest meaning of what is called “robot art” and the related art field definition. We also try to highlight its well-marked borders, such as kinetic sculptures, kinetic art, cyber art, and cyberpunk. A brief excursion into the importance of the context, the message, and its semiotics is also provided, case by case, together with a few hints on the history of this discipline in the light of an artistic perspective. Therefore, the aim of this article is to try to summarize the main characteristics that might classify robot art as a unique and innovative discipline, and to track down some of the principles by which a robotic artifact can or cannot be considered an art piece in terms of social, cultural, and strictly artistic interest. This work was presented in part at the 13th International Symposium on Artificial Life and Robotics, Oita, Japan, January 31–February 2, 2008     

Explanation and prediction: an architecture for default and abductive reasoning

Although there are many arguments that logic is an appropriate tool for artificial intelligence, there has been a perceived problem with the monotonicity of classical logic. This paper elaborates on the idea that reasoning should be viewed as theory formation where logic tells us the consequences of our assumptions. The two activities of predicting what is expected to be true and explaining observations are considered in a simple theory formation framework. Properties of each activity are discussed, along with a number of proposals as to what should be predicted or accepted as reasonable explanations. An architecture is proposed to combine explanation and prediction into one coherent framework. Algorithms used to implement the system as well as examples from a running implementation are given.     

Three Process Perspectives: Organizations, Teams, and People

This paper provides the author's personal views and perspectives on software process improvement. Starting with his first work on technology assessment in IBM over 20 years ago, Watts Humphrey describes the process improvement work he has been directly involved in. This includes the development of the early process assessment methods, the original design of the CMM, and the introduction of the Personal Software Process (PSP)^SM and Team Software Process (TSP){^SM}. In addition to describing the original motivation for this work, the author also reviews many of the problems he and his associates encountered and why they solved them the way they did. He also comments on the outstanding issues and likely directions for future work. Finally, this work has built on the experiences and contributions of many people. Mr. Humphrey only describes work that he was personally involved in and he names many of the key contributors. However, so many people have been involved in this work that a full list of the important participants would be impractical.     

基于复小波噪声方差显著修正的SAR图像去噪

提出了一种基于复小波域统计建模与噪声方差估计显著性修正相结合的合成孔径雷达(Synthetic Aperture Radar,SAR)图像斑点噪声滤波方法。该方法首先通过对数变换将乘性噪声模型转化为加性噪声模型,然后对变换后的图像进行双树复小波变换(Dualtree Complex Wavelet Transform,DCWT),并对复数小波系数的统计分布进行建模。在此先验分布的基础上,通过运用贝叶斯估计方法从含噪系数中恢复原始系数,达到滤除噪声的目的。实验结果表明该方法在去除噪声的同时保留了图像的细节信息,取得了很好的降噪效果。     

How do children do mathematics with LOGO?

Abstract  This paper considers some results of a study designed to investigate the kinds of mathematical activity undertaken by children (aged between 8 and 11) as they learned to program in LOGO. A model of learning modes is proposed, which attempts to describe the ways in which children used and acquired understanding of the programming/mathematical concepts involved. The remainder of the paper is concerned with discussing the validity and limitations of the model, and its implications for further research and curriculum development.