3 resultados para Debit card

em AMS Tesi di Dottorato - Alm@DL - Università di Bologna


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The work of the present thesis is focused on the implementation of microelectronic voltage sensing devices, with the purpose of transmitting and extracting analog information between devices of different nature at short distances or upon contact. Initally, chip-to-chip communication has been studied, and circuitry for 3D capacitive coupling has been implemented. Such circuits allow the communication between dies fabricated in different technologies. Due to their novelty, they are not standardized and currently not supported by standard CAD tools. In order to overcome such burden, a novel approach for the characterization of such communicating links has been proposed. This results in shorter design times and increased accuracy. Communication between an integrated circuit (IC) and a probe card has been extensively studied as well. Today wafer probing is a costly test procedure with many drawbacks, which could be overcome by a different communication approach such as capacitive coupling. For this reason wireless wafer probing has been investigated as an alternative approach to standard on-contact wafer probing. Interfaces between integrated circuits and biological systems have also been investigated. Active electrodes for simultaneous electroencephalography (EEG) and electrical impedance tomography (EIT) have been implemented for the first time in a 0.35 um process. Number of wires has been minimized by sharing the analog outputs and supply on a single wire, thus implementing electrodes that require only 4 wires for their operation. Minimization of wires reduces the cable weight and thus limits the patient's discomfort. The physical channel for communication between an IC and a biological medium is represented by the electrode itself. As this is a very crucial point for biopotential acquisitions, large efforts have been carried in order to investigate the different electrode technologies and geometries and an electromagnetic model is presented in order to characterize the properties of the electrode to skin interface.

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La presente trattazione analizza le novità normative apportate dalle recenti direttive europee sui servizi di pagamento e sulla moneta elettronica (rispettivamente la direttiva 2007/64/CE, c.c. Payment Services Directive o PSD, e la direttiva 2009/110/CE, detta Electronic Money Directive 2 o EMD2). Al fine di incrementare la competitività dei servizi di pagamento, sono stati introdotti nuovi prestatori di servizi di pagamento, non bancari, gli Istituti di Pagamento (IP) e gli Istituti di Moneta Elettronica (IMEL), a cui è stata attribuita la possibilità di far ricorso al contratto di conto di pagamento per la gestione dei servizi di pagamento con possibilità di finanziamento agli utenti. La prima parte della presente trattazione è dedicata alla configurazione giuridica dei nuovi prestatori di servizi di pagamento, influenzante la diffusione dei pagamenti digitali e della moneta elettronica. La seconda parte è rivolta alla ricostruzione giuridica del conto di pagamento, contratto – tipo per la gestione in conto dei servizi di pagamento, ed all’analisi delle modalità di erogazione dei finanziamenti agli utenti. Le direttive predette hanno inoltre attribuito ad IP ed IMEL la facoltà di emettere le carte di pagamento a spendibilità generalizzata, ossia carte di debito e carte di credito. In quanto abilitati all’emissione di moneta elettronica, gli IMEL possono inoltre emettere i c.d. borsellini di moneta elettronica, cioè i dispositivi di memorizzazione e di movimentazione della moneta elettronica. Nella terza parte della trattazione vengono, pertanto, presi in analisi la natura di tali strumenti di pagamento e le differenze intercorrenti rispetto agli affini strumenti bancari. In particolare, ampio spazio è dedicato alla ricostruzione giuridica dei borsellini di moneta elettronica, la cui diffusione tra gli utenti potrebbe avere l’effetto di favorire la progressiva digitalizzazione dei pagamenti e la realizzazione della cashless society.

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Aims of the study: To assess the prevalence of Antiepileptic Drug (AED) exposure in pregnant women with or without epilepsy and the comparative risk of terminations of pregnancy (TOPs), spontaneous abortions, stillbirth, major congenital malformations (MCMs) and foetal growth retardation (FGR) following intrauterine AED exposure in the Emilia Romagna region (RER), Northern Italy (4 million inhabitants). Methods: Data were obtained from official regional registries: Certificate of Delivery Assistance, Hospital Discharge Card, reimbursed prescription databases and Registry of Congenital Malformations. We identified all the deliveries, hospitalized abortions and MCMs occurred between January 2009 and December 2011. Results: We identified 145,243 pregnancies: 111,284 deliveries (112,845 live births and 279 stillbirths), 16408 spontaneous abortions and 17551 TOPs. Six hundred and eleven pregnancies (0.42% 95% Cl: 0.39-0.46) were exposed to AEDs. Twenty-one per cent of pregnancies ended in TOP in the AED group vs 12% in the non-exposed (OR:2.24; CI 1.41-3.56). The rate of spontaneous abortions and stillbirth was comparable in the two groups. Three hundred fifty-three babies (0.31%, 95% CI: 0.28-0.35) were exposed to AEDs during the first trimester. The rate of MCMs was 2.3% in the AED group (2.2% in babies exposed to monotherapy and 3.1% in babies exposed to polytherapy) vs 2.0% in the non-exposed. The risk of FGR was 12.7 % in the exposed group compared to 10% in the non-exposed. Discussion and Conclusion: The prevalence of AED exposure in pregnancy in the RER was 0.42%. The rate of MCMs in children exposed to AEDs in utero was almost superimposable to the one of the non-exposed, however polytherapy carried a slightly increased risk . The rate of TOPs was significantly higher in the exposed women. Further studies are needed to clarify whether this high rate reflects a higher rate of MCMs detected prenatally or other more elusive reasons.