Abstract: The present disclosure provides a multi-carrier time-division multiplexing (MC-TDMA) modulation and demodulation method and system. Before multi-carrier modulation is performed on an input symbol, an interleaving allocation and an FFT may be performed, a time domain symbol may be transformed into a frequency domain symbol signal to perform a MDFT treatment. A sending end may adopt an analyzing filter bank structure, and pre-filtering and an IFFT may be performed on a signal successively. A pre-filter may be positioned between an NM point FFT and an M point IFFT, a PAPR value of the system may be reduced using the symmetry of a coefficient of a filter, and a frequency domain symbol signal may be allocated to different sub-bands for multi-carrier modulation.

Abstract: Past electronic records may be studied using a computer learning algorithm in order to make predictions of future use of the electronic accounts.

Abstract: A multi-window displaying apparatus and method and mobile electronic equipment. The method includes: mobile electronic equipment determines a second application from one or more applications and operates the second application in association with an operation by a user on a content of a first application after receiving the operation; wherein the second application makes a response to the operation on the first application, and the first application and the second application are displayed in a multi-window manner. Hence, the second application may associatedly be opened and multi-window display may be performed, with no need of frequent switching between multiple applications. Also, redundant operations on the second application may be reduced, thereby improving experiences of users.

Abstract: Past electronic records may be studied using a computer learning algorithm in order to make predictions of future use of the electronic accounts.

Abstract: Provided is a computer-implemented method for determining a merchant category alignment of an account. The method may include comparing at least one parameter associated with transaction data for each user of a plurality of users; segmenting the plurality of users into at least one group of users based on a similarity of the at least one parameter between each user, generating a merchant category similarity matrix for the at least one group of users based on the transaction data for each user in the at least one group, generating an account category matrix based on the transaction data, generating one or more recommendations of an offer associated with the second merchant category, and communicating the one or more recommendations of an offer associated with the second merchant category. A system and computer program product are also disclosed.

Abstract: The present invention provides a Voigt line shape fitting method, including step 1: Calculate a Gauss line shape function and a Lorentz line shape function, and calculate a Voigt line shape function. Step 2: For determined line shape parameters to be fitted, calculate partial derivatives of the Voigt line shape function with respect to the parameters, convert a partial derivative of the Voigt line shape function with respect to a parameter into a partial derivative of the Gauss line shape function or the Lorentz line shape function with respect to the parameter. Step 3: Substitute the Voigt line shape function and the partial derivative of the Voigt line shape function with respect to the parameter to be fitted, into a least squares algorithm step, perform least squares fitting calculation, and determine whether to terminate the least squares fitting calculation or return to step 1 to perform next iterative calculation.

Abstract: The present invention discloses a multi-lightpath and multi-angle measurement apparatus, including an electrically controlled rotary table, electronically controlled translation tables, a laser transmitting/receiving end face, laser couplers, a multipath data acquisition card, a laser controller, a translation controller, an etalon, a laser, detectors, and a computer. The measurement apparatus uses an all-fiber coupling structure, and two ends of the laser transmitting/receiving end face are respectively fixed on two electronically controlled translation tables. Therefore, a maximum area measured by the apparatus is 350 mm×350 mm, and an adjustable minimum translation distance is 1 mm. Bottoms of the translation tables are fixed on the electrically controlled rotary table. Featuring an ingenious design and a compact structure, the whole apparatus is easy to disassemble and easy to operate.

Abstract: A method, system, and apparatus for segmenting geographic codes in a behavior-monitored system including a plurality of accounts includes: identifying a plurality of geographic codes associated with the plurality of accounts, wherein each account is associated with a geographic code; receiving geographic transaction metrics associated with each geographic code; determining an optimal number of segments into which the plurality of geographic codes is to be segmented based at least partially on the geographic transaction metrics; segmenting the plurality of geographic codes into the optimal number of segments based at least partially on the geographic transaction metrics, such that each segment is associated with segment transaction metrics; and automatically implementing a target action with respect to at least one account of the plurality of accounts based at least partially on the segment transaction metrics corresponding to at least one segment of the optimal number of segments.

Abstract: Described are a method and system for automatically generating a classification of at least one lodging provider and acting thereon. The method includes determining or receiving transaction data representative of a plurality of transactions between the at least one lodging provider and a plurality of financial device holders in a first time period. The method also includes assigning, based at least partially on a predictive model and the transaction data, a classification to the at least one lodging provider, the classification being selected from a plurality of predetermined classifications. The method further includes generating, based at least partially on the assigned classification, identification data of at least one financial device holder of the plurality of financial device holders. The method further includes automatically generating and transmitting at least one communication to the at least one financial device holder.

Abstract: The present invention discloses a multi-lightpath and multi-angle measurement apparatus, including an electrically controlled rotary table, electronically controlled translation tables, a laser transmitting/receiving end face, laser couplers, a multipath data acquisition card, a laser controller, a translation controller, an etalon, a laser, detectors, and a computer. The measurement apparatus uses an all-fiber coupling structure, and two ends of the laser transmitting/receiving end face are respectively fixed on two electronically controlled translation tables. Therefore, a maximum area measured by the apparatus is 350 mm×350 mm, and an adjustable minimum translation distance is 1 mm. Bottoms of the translation tables are fixed on the electrically controlled rotary table. Featuring an ingenious design and a compact structure, the whole apparatus is easy to disassemble and easy to operate.

Abstract: The present invention provides a Voigt line shape fitting method, including step 1: Calculate a Gauss line shape function and a Lorentz line shape function, and calculate a Voigt line shape function. Step 2: For determined line shape parameters to be fitted, calculate partial derivatives of the Voigt line shape function with respect to the parameters, convert a partial derivative of the Voigt line shape function with respect to a parameter into a partial derivative of the Gauss line shape function or the Lorentz line shape function with respect to the parameter. Step 3: Substitute the Voigt line shape function and the partial derivative of the Voigt line shape function with respect to the parameter to be fitted, into a least squares algorithm step, perform least squares fitting calculation, and determine whether to terminate the least squares fitting calculation or return to step 1 to perform next iterative calculation.

Abstract: Past electronic records may be studied using a computer learning algorithm in order to make predictions of future use of the electronic accounts.

Abstract: The present disclosure provides a multi-carrier time-division multiplexing (MC-TDMA) modulation and demodulation method and system. Before multi-carrier modulation is performed on an input symbol, an interleaving allocation and an FFT may be performed, a time domain symbol may be transformed into a frequency domain symbol signal to perform a MDFT treatment. A sending end may adopt an analyzing filter bank structure, and pre-filtering and an IFFT may be performed on a signal successively. A pre-filter may be positioned between an NM point FFT and an M point IFFT, a PAPR value of the system may be reduced using the symmetry of a coefficient of a filter, and a frequency domain symbol signal may be allocated to different sub-bands for multi-carrier modulation.

Abstract: Systems and methods are provided to generate tools to evaluate the probability of an account being actually used by a business rather than an individual. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include business accounts and non-business accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a classification model to distinguish, using the values and logistic regression, the business accounts from the non-business accounts.

Abstract: Systems and methods are provided to generate tools to evaluate the probability of an account being actually used by a business rather than an individual. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include business accounts and non-business accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a classification model to distinguish, using the values and logistic regression, the business accounts from the non-business accounts.

Abstract: Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts.

Abstract: Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts.

Abstract: A sensor chip assembly for use in a sensor capable of Surface Plasmon Resonance (SPR) and gravimetric sensing. The assembly comprising a transparent piezoelectric substrate (1) having a first surface and a second surface opposite to the first surface. The assembly also comprising first and second thin film metal electrodes (2,3) respectively provided on the first and second surfaces of the substrate (1). The second thin film metal electrode (3) being position on the second surface of the substrate (1) such that a light beam is capable of being transmitted through the second surface of the substrate and reflected from the first thin film metal electrode. The assembly also comprising an attenuated total reflection (ATR) coupler (11) disposed adjacent to the second thin film metal electrode (3).

Abstract: A sensor chip assembly for use in a sensor capable of Surface Plasmon Resonance (SPR) and gravimetric sensing. The assembly comprising a transparent piezoelectric substrate (I) having a first surface and a second surface opposite to the first surface. The assembly also comprising first and second thin film metal electrodes (2,3) respectively provided on the first and second surfaces of the substrate (1). The second thin film metal electrode (3) being position on the second surface of the substrate (1) such that a light beam is capable of being transmitted through the second surface of the substrate and reflected from the first thin film metal electrode. The assembly also comprising an attenuated total reflection (ATR) coupler (11) disposed adjacent to the second thin film metal electrode (3).