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The IUP Journal of Science and Technology

March '09
Focus

Silicon Carbide (SiC), a wide band gap semiconductor, is gaining acceptability in electronic devices, particularly in high temperature and harsh environment applications where conventional materials such as silicon and Gallium Arsenide cease to provide sustainability.

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Wet Thermal Oxidation of Epitaxial 4H-SiC Substrate: An Experimental Process for Device Fabrication
A Novel Design of CMOS DO-CCII for Use in Current-Mode Applications
Role of Metaheuristics Optimization Approach in Image Segmentation Techniques
Credit Card Fraud Detection Using Artificial Neural Networks with a Rule-Based Component
Design of Bootlace Lens Beam Forming Network of Three Input Ports
A Comparative Study of Compact Stacked Rectangular Microstrip Antennas Using a Pair of T-Shaped Slots
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Wet Thermal Oxidation of Epitaxial 4H-SiC Substrate: An Experimental Process for Device Fabrication

-- Sanjeev Kumar Gupta, Ameer Azam and
Jamil Akhtar

A thoroughly optimized wet thermal oxidation process of epitaxial 4H-SiC on both terminating faces has been presented here. The optimum flow of molecular oxygen and inertial pressure inside the quartz horizontal furnace have to be taken as the initial parameter during the whole oxidation process. Wafers are loaded in nitrogen ambient to increase the mean free path for incoming oxidizing agent. The time of oxidation varies from 0.5 hours to 6 hours with 0.5 hours step time. Rate of oxidation on C-face has been found nearly 10 times faster than on Si-face of 4H-SiC wafer. The oxide thickness has been measured by a variable angle ellipsometer and the result has been verified by a surface profiler. A number of samples have been oxidized for each experiment in order to generate the statistical data.

A Novel Design of CMOS DO-CCII for Use in Current-Mode Applications

-- Hassan J Motlak, Syed A Imam and
S Naseem Ahmad

In this paper, a novel Dual-Output second generation Current Conveyor (DO-CCII) circuit using resistive compensation technique is proposed. The resistive compensation technique is a very simple and powerful technique used to improve the bandwidth of CMOS DO-CCII without extra power consumption. P-spice simulations for MIETEC 0.5 µm CMOS technology show that the current mode and voltage mode bandwidths are 2.3 GHz and 3.3 GHz respectively, with power consumption of 2 mW. The simulation results, which confirm the desired results, have been included.

Role of Metaheuristics Optimization Approach in Image Segmentation Techniques

-- Tilottama Goswami

Performance of real-world applications in computer vision and image understanding largely depend on the efficiency of low level tasks involved. One of such low level tasks is the image segmentation process, which is from the combinatorial optimization problem domain. The survey paper emphasizes the recent use and increasing growth of the metaheuristics approach based on natural computing inspired by natural and biological systems for solving the image segmentation specific to various domain-specific applications. The findings of recent studies of such approximate algorithmic approach, largely based on heuristics, to obtain near-optimal solutions are showing strong evidence to the fact that they can be applied to almost all approaches of various image segmentation techniques, such as edge detection, region-oriented, morphological watersheds and clustering. The paper works towards bridging the gap with regard to drawbacks of the state-of-the-art solution of the various segmentation techniques and the available metaheuristic techniques and technologies like particle swarm optimization, Ant Colony Optimization (ACO) and Genetic Algorithms (GA). Finally, it proposes modeling such automated system for learning algorithms based on signals-to-symbol model.

Credit Card Fraud Detection Using Artificial Neural Networks with a Rule-Based Component

-- Ogwueleka Francisca Nonyelum and
Inyiama Hyacinth Chibueze

Fraud detection involves identifying a fraud as quickly as possible once it has been perpetrated. It requires a tool that is intelligent enough to adapt to criminals' strategies and ever-changing tactics to commit fraud. This paper presents an automated credit card fraud (CCF) detection system based on neural network technology and rule-based component. The Self-Organizing Map (SOM) algorithm was used to create a model of a typical cardholder's behavior and analyze the features of transactions, thus detecting fraudulent transactions. An Artificial Neural Network (ANN) trained with the unsupervised learning method was applied to the data to generate models. An approach was developed to CCF detection that utilizes four clusters (instead of the usual two-stage model normally used in fraud detection algorithms) to reduce the erroneous classification of legitimate transactions as fraudulent and to ensure a more accurate result.

Design of Bootlace Lens Beam Forming Network of Three Input Ports

-- G S Tomar, Ravi Pratap Singh Kushwah and P K Singhal

In this paper, a modified geometry and design approach for equal height circular lens has been proposed. This design will overcome the shortcomings of conventional design of Rotman lens, which has been in practice for decades. The new design of equal height circular lens is the most appropriate choice for multiple beam forming due to its reduced spillover features. The new design of Equal height circular lens at Ultra High Frequency (UHF) band has been created and fabricated to justify the proposed design, and the results are encouraging, as it perfectly matches with the theoretical evaluation.

A Comparative Study of Compact Stacked Rectangular Microstrip Antennas Using a Pair of T-Shaped Slots

-- Ravi M Yadahalli, Vani R M and P V Hunagund

In this paper, we present the size reduction of a Stacked Rectangular Microstrip Antenna (SRMSA) using a co-axial probe feed. The size of the SRMSA is reduced by embedding a pair of T-slots either in the lower patch, upper patch or on both patches. Using co-axial probe feed, 23.66% of compactness in the antenna size with a bandwidth of 1.63% is obtained for the embedded T-slots in the lower patch of the SRMSA. This compactness is more than that of the other compact SRMSA using T-slots in upper or on both patches of SRMSA. The parameter study is carried out in all the three cases using IE3D simulation software by varying the slot length of the T-slots. Later these simulation results are confirmed by verifying them with the experimental results.

 
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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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