Выпускная квалификационная работа (магистерская диссертация) посвящена характеристике расчетно-кассового обслуживания клиентов в коммерческих банках, включающее в себя открытие и ведение банковских счетов юридических и физических лиц, является для банков очень важным видом деятельности. Расчетно-кассовое обслуживание в совокупности с проведением операций по привлечению денежных средств физических и юридических лиц во вклады и размещением этих средств от имени и за счет банка является классической банковской операцией. / Final qualification work (master thesis) is devoted to the cash management customer service in commercial banks, including opening and maintaining Bank accounts of legal and natural persons to banks is a very important activity. Cash management services in conjunction with the operations on attraction of funds of physical and legal persons into deposits and placement of these funds on behalf of and for the account of the Bank is a classic Bank transaction.

The paper is an attempt to deal with the non-transferable cheque. Three questions have been addressed: (a) Whether sections 58, 79 and 83 apply to non-transferable cheques; (b) whether the non-transferability of a cheque implies only that a cambial transfer is excluded, but transfer by means of a ordinary cession is still possible; (c) whether the collecting and drawee banks can be held liable for damages to the owner of a non-transferable cheque. (a) It is clear that section 58 does not apply to non-transferable cheques. After the decision in Eskom, it is also clear that section 79 does apply to such cheques. Regarding the applicability of section 83 to non-transferable cheques, there is uncertainty. (b) Whether the rights arising from a non-transferable cheque can be transferred by means of an ordinary cession, it is not yet clear. (c) That a collecting bank can be held delictually liable under the extended lex Aquilia was decided in lndac Electronics. By way of analogy, the same applies to a drawee bank acting negligently. / Mercantile Law / LL.M.

The paper is an attempt to deal with the non-transferable cheque. Three questions have been addressed: (a) Whether sections 58, 79 and 83 apply to non-transferable cheques; (b) whether the non-transferability of a cheque implies only that a cambial transfer is excluded, but transfer by means of a ordinary cession is still possible; (c) whether the collecting and drawee banks can be held liable for damages to the owner of a non-transferable cheque. (a) It is clear that section 58 does not apply to non-transferable cheques. After the decision in Eskom, it is also clear that section 79 does apply to such cheques. Regarding the applicability of section 83 to non-transferable cheques, there is uncertainty. (b) Whether the rights arising from a non-transferable cheque can be transferred by means of an ordinary cession, it is not yet clear. (c) That a collecting bank can be held delictually liable under the extended lex Aquilia was decided in lndac Electronics. By way of analogy, the same applies to a drawee bank acting negligently. / Mercantile Law / LL.M.

Made available in DSpace on 2016-03-15T19:38:02Z (GMT). No. of bitstreams: 1 RAFAEL FELIX ALVES.pdf: 2156088 bytes, checksum: a82e527c69001eb9cee5a989bde3b8dc (MD5) Previous issue date: 2015-06-23 / The process of image binarization consists of transforming a color image into a new one with only two colors: black and white. This process is an important step for many modern applica-tions such as Check Clearance, Optical Character Recognition and Handwriting Recognition. Improvements in the automatic process of image binarization represent impacts on applications that rely on this step. The present work proposes a methodology for automatic image binariza-tion. This methodology applies supervised learning algorithms to binarize images and consists of the following steps: images database construction; extraction of the region of interest; pat-terns matrix construction; pattern labelling; database sampling; and classifier training. Experi-mental results are presented using a database of Brazilian bank check images and the competi-tion database DIBCO 2009. In conclusion, the proposal demonstrated to be superior to some of its competitors in terms of accuracy and F-Measure. / O processo de binarização de imagens consiste na transformação de uma imagem colorida em uma nova imagem com apenas duas cores: uma que representa o fundo, outra o objeto de interesse. Este processo é uma importante etapa de diversas aplicações modernas, como a Compensação de Cheque, o Reconhecimento Ótico de Caracteres (do inglês Optical Characterer Recognition) e o Reconhecimento de Texto Manuscrito (do inglês Handwritten Recognition, HWR). Dado que melhorias no processo automático de binarização de imagens representam impactos diretos nas aplicações que dependem desta etapa o presente trabalho propõe uma metodologia para realizar a binarização automática de imagens. A proposta realiza a binarização de forma automática baseado no uso de algoritmos de aprendizagem supervisionada, tais como redes neurais artificiais e árvore de decisão. O processo como um todo consiste das seguintes etapas: construção do banco de imagens; extração da região de interesse; construção da matriz de padrões; rotulação dos padrões; amostragem da base; e treinamento do classificador. Resultados experimentais são apresentados utilizando uma base de imagens de cheques de bancos brasileiros (CMC-7 e montante de cortesia) e a base de imagens da competição DIBCO 2009. Em conclusão, a metodologia proposta apresentou-se competitiva aos métodos da literatura destacando-se em aplicações onde o processamento de imagens está restrito a uma categoria de imagens, como é o caso das imagens de cheques de bancos brasileiros. A presente metodologia apresenta resultados experimentais entre as três primeiras posições e melhores resultados em relação a medida F-Measure quando comparada com as demais.

As today, the traditional payment systems of cash, cheques and credit cards are being supplemented by electronic cheques, electronic credit card-based systems, and token-based systems, online security is of utmost importance and one of the biggest criteria used for evaluating electronic payment systems. Electronic payment systems must guarantee the essential security requirements: confidentiality, privacy, integrity, availability. authentication, non-repudiation as well as anonymity and trust. This paper compares the various payment systems (both traditional and electronic) available today mainly according to their security aspects. Secure processing can be accomplished including access controls and detection techniques, such as, encrypted communication channels, user and/or message authentication, symmetric and asymmetric encryption, digital certificates and firewalls. These effective security measures, which are outlined in detail in this paper, will protect the information and payment systems against security risks that currently threaten the Internet / Computing / M.Sc. (Information Systems)

As today, the traditional payment systems of cash, cheques and credit cards are being supplemented by electronic cheques, electronic credit card-based systems, and token-based systems, online security is of utmost importance and one of the biggest criteria used for evaluating electronic payment systems. Electronic payment systems must guarantee the essential security requirements: confidentiality, privacy, integrity, availability. authentication, non-repudiation as well as anonymity and trust. This paper compares the various payment systems (both traditional and electronic) available today mainly according to their security aspects. Secure processing can be accomplished including access controls and detection techniques, such as, encrypted communication channels, user and/or message authentication, symmetric and asymmetric encryption, digital certificates and firewalls. These effective security measures, which are outlined in detail in this paper, will protect the information and payment systems against security risks that currently threaten the Internet / Computing / M.Sc. (Information Systems)

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