Abstract: A semiconductor memory device may include a cell substrate; a mold structure including a plurality of gate electrodes stacked on the cell substrate; a channel structure penetrating the mold structure; a string select line on the mold structure; a string select channel structure penetrating the string select line and contacting the channel structure; an anti-arcing contact penetrating the mold structure; an insulating pattern between the anti-arcing contact and the plurality of gate electrodes; and an anti-arcing insulating pattern penetrating the string select line to be in contact with the anti-arcing contact.

Abstract: One or more processors access a user profile associated with a set of payment methods, the user profile being associated with a user. The one or more processors receive a selection of a plurality of items for purchase by the user and access information for a plurality of coupons. A user interface is presented that includes for each payment method of the set of payment methods, a total cost for the plurality of items; a recommended payment method selected from the set of payment methods; and a recommended assignment of the coupons to the items. The one or more processors receive a confirmation from the user and initiate a purchase transaction for the items by the user, the purchase transaction using the recommended payment method and the recommended assignment of the coupons to the items.

Abstract: A user of an online marketplace selects items for purchase. The user may have access to a number of discounts, each discount associated with a set of criteria that define when the discount may be applied. For example, a discount may be limited to application to only one item. Other discounts may apply only when a particular payment option is used or when other criteria are met. Assignment of available discounts to the selected items is a complex multidimensional problem appropriate for linear programming. The multidimensional problem of assigning discounts to items is decomposed by payment method, resulting in one simpler optimization problem for each payment method. Thus, one proposed combination of discounts is generated for each payment method. The proposed combination of discounts resulting in the lowest price is proposed to the user, along with the corresponding payment method.

Abstract: Provided is a card payment system and method in an electronic transaction, which can effectively solve authentication and security problems that are caused by Active-X programs that are indiscriminately installed, by performing a card payment in a complex hybrid authentication scheme using order information, delivery information, and payment information without an Active-X that is needed to pay for a purchased product by card in an existing electronic transaction.