Managing near field communication (NFC) payment applications through cloud computing

This thesis was submitted for the degree of Doctor of Philosophy and awarded by Brunel University.The Near Field Communication (NFC) technology is a short-range radio communication channel which enables users to exchange data between devices. NFC provides a contactless technology for data transmission between smart phones, Personal Computers (PCs), Personal Digital Assistants (PDAs) and such devices. It enables the mobile phone to act as identification and a credit card for customers. However, the NFC chip can act as a reader as well as a card, and also be used to design symmetric protocols. Having several parties involved in NFC ecosystem and not having a common standard affects the security of this technology where all the parties are claiming to have access to client’s information (e.g. bank account details). The dynamic relationships of the parties in an NFC transaction process make them partners in a way that sometimes they share their access permissions on the applications that are running in the service environment. These parties can only access their part of involvement as they are not fully aware of each other’s rights and access permissions. The lack of knowledge between involved parties makes the management and ownership of the NFC ecosystem very puzzling. To solve this issue, a security module that is called Secure Element (SE) is designed to be the base of the security for NFC. However, there are still some security issues with SE personalization, management, ownership and architecture that can be exploitable by attackers and delay the adaption of NFC payment technology. Reorganizing and describing what is required for the success of this technology have motivated us to extend the current NFC ecosystem models to accelerate the development of this business area. One of the technologies that can be used to ensure secure NFC transactions is cloud computing which offers wide range advantages compared to the use of SE as a single entity in an NFC enabled mobile phone. We believe cloud computing can solve many issues in regards to NFC application management. Therefore, in the first contribution of part of this thesis we propose a new payment model called “NFC Cloud Wallet". This model demonstrates a reliable structure of an NFC ecosystem which satisfies the requirements of an NFC payment during the development process in a systematic, manageable, and effective way

Applying Blockchain Technology to Financial Market’s Infrastructure

The utilization of blockchain technology has gained widespread acceptance across various domains in recent years. Among them, blockchain integration in the financial sector is particularly noteworthy. Blockchain technology offers a range of features that can address various challenges in the financial industry, including decentralization, transparency, enhanced security, and tamper-proofing. Therefore, this thesis aims to investigate the issues that persist in academia and industry and address them through blockchain technology. The research for this thesis was divided into three major stages. The first stage involved conducting an academic survey through a comprehensive literature review. The aim was to identify the pain points that academics have identified and to narrow down the problems that concern the academic community. The second stage involved collecting requirements from industry experts. This helped to identify the real-world issues that currently exist in the financial industry. Based on these issues, the research moved on to the next stage. The third stage involved an experimental study, further divided into two parts. Part 1 involved designing and developing a blockchain-based issuance and trading system for financial products. This system aimed to enhance participant trust, reduce costs, and increase efficiency. Part 2 involved the development of a risk monitoring system for blockchain-based financial products. This system aimed to assist participants in monitoring market risks, providing them with risk warning coefficients, and reducing the probability of systemic risks in the market. The results of this thesis demonstrate that blockchain technology's feasibility and integration can positively impact financial markets from an experimental perspective. It can be helpful to adopt blockchain technology for financial and FinTech industries

CHALLENGES AND OPPORTUNITIES OF ADOPTING MANAGEMENT INFORMATION SYSTEMS (MIS) FOR PASSPORT PROCESSING: COMPARATIVE STUDY BETWEEN LESOTHO AND SOUTH AFRICA

Thesis ( M. Tech. (Business Administration )) - Central University of Technology, Free State, 2014Fast and secure public service delivery is not only a necessity, but a compulsory endeavour. However, it is close to impossible to achieve such objectives without the use of Information Technology (IT). It is correspondingly important to find proper sustainability frameworks of technology. Organisations do not only need technology for efficient public service; the constant upgrading of systems and cautious migration to the newest IT developments is also equally indispensable in today’s dynamic technological world. Conversely, countries in Africa are always lagging behind in technological progresses. Such deficiencies have been identified in the passport processing of Lesotho and South Africa, where to unequal extents, problems related to systems of passport production have contributed to delays and have become fertile grounds for corrupt practices. The study seeks to identify the main impediments in the adoption of Management Information Systems (MIS) for passport processing. Furthermore, the study explores the impact MIS might have in attempting to combat long queues and to avoid long waiting periods – from application to issuance of passports to citizens. The reasonable time frame between passport application and issuance, and specific passport management systems, have been extensively discussed along with various strategies that have been adopted by some of the world’s first movers in modern passport management technologies. In all cases and stages of this research, Lesotho and South Africa are compared. The research approach of the study was descriptive and explorative in nature. As a quantitative design, a structured questionnaire was used to solicit responses in Lesotho and South Africa. It was established that both Lesotho and South Africa have somewhat similar problems – although, to a greater extent, Lesotho needs much more urgent attention. Although the processes of South Africa need to be improved, the Republic releases a passport much faster and more efficiently than Lesotho. Economic issues are also revealed by the study as unavoidable factors that always affect technological developments in Africa. The study reveals that the latest MIS for passport processing has facilitated modern, automated border-control systems and resultant e-passports that incorporate more biometric information of citizens to passports – thanks to modern RFID technologies. One can anticipate that this study will provide simple, affordable and secure IT solutions for passport processing. Key words: Information Technology (IT); Management Information Systems (MIS); E-Government; E-Passport; Biometrics; and RFID

Designing and generating prototype for E-Governance based election strategy using biometric authentication and smart card device

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