43,335 research outputs found
Secure electronic payments for Islamic finance
Secure electronic payment systems are of paramount importance in
supporting the further development of electronic commerce. While
an electronic payment system must meet the needs of both
businesses and consumers, most of the current electronic payment
schemes are based on the traditional methods of finance we are
familiar with in the western world. The main aim of this thesis
is to develop new secure electronic payment schemes that satisfy
the requirements posed by Islamic finance principles, which forbid
the payment or receipt of interest.
After providing a generic model for an electronic payment system,
a description of some of the properties that distinguish the
various types of electronic payment systems is given. The thesis
then reviews examples of electronic payment schemes that are
relevant to this thesis. The main concepts underlying Islamic
finance are also introduced.
The main contribution of this thesis is to propose four protocols
that can be used to conduct secure electronic commerce
transactions in a way that is consistent with Islamic financial
principles. In the theme of developing new schemes to enable new
participants to benefit from electronic payments, we also propose
a simple and secure interpersonal payment system.
EMV compliant IC cards have been developed to secure traditional
Point of Sale debit/credit transactions. In this thesis, we
propose a way to use EMV-compliant cards to conduct an electronic
Murabaha transaction with the goal of exploiting the widespread
deployment of EMV cards.
The Internet is the platform on which most electronic commerce
transactions are performed. To build upon this base, this thesis
presents a method for conducting a secure electronic Murabaha
transaction using the Internet.
The increase in ownership of mobile phones suggests that they can
be an effective means of authorising payment in electronic
commerce transactions, offering security and convenience
advantages by comparison with on-line payments conducted using PCs
only. Therefore, this thesis proposes a new GSM-based payment
system that enhances the security of Internet Murabaha
transactions.
Although many charities have a web presence, almost all of them
have been designed to accept credit cards as the only means for
making donations. The anonymity requirements of many donors,
however, make the existing means of donation inappropriate for
them. A new scheme supporting anonymous donations and
distribution of these donations is therefore proposed
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A multi-agent architecture for electronic payment
The Internet has brought about innumerable changes to the way enterprises do business. An essential problem to be solved before the widespread commercial use of the Internet is to provide a trustworthy solution for electronic payment. We propose a multi-agent mediated electronic payment architecture in this paper. It is aimed at providing an agent-based approach to accommodate multiple e-payment schemes. Through a layered design of the payment structure and a well-defined uniform payment interface, the architecture shows good scalability. When a new e-payment scheme or implementation is available, it can be plugged into the framework easily. In addition, we construct a framework allowing multiple agents to work cooperatively to realize automation of electronic payment. A prototype has been built to illustrate the functionality of this design. Finally we discuss the security issues
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A modularized electronic payment system for agent-based e-commerce
With the explosive growth of the Internet, electronic-commerce (e-commerce) is an increasingly important segment of commercial activities on the web. The Secure Agent Fabrication, Evolution & Roaming (SAFER) architecture was proposed to further facilitate e-commerce using agent technology. In this paper, the electronic payment aspect of SAFER will be explored. The Secure Electronic Transaction (SET) protocol and E-Cash were selected as the bases for the electronic payment system implementation. The various modules of the payment system and how they interface with each other are shown. An extensible implementation done using JavaTM will also be elaborated. This application incorporates agent roaming functionality and the ability to conduct e-commerce transactions and carry out intelligent e-payment procedures
Pendekatan konstruktif dalam inovasi pengajaran dan pembelajaran Bahasa Melayu di Kolej Vokasional
Pendekatan konstruktif adalah pendekatan pengajaran dan pembelajaran yang
berpusatkan pelajar manakala inovasi pengajaran pula dikaitkan dengan kaedah
pengajaran yang terbaru demi mengukuhkan pemahaman pelajar. Pembelajaran
berasaskan pendekatan konstruktif merupakan elemen yang penting dan perlu
difahami oleh guru-guru bagi memantapkan proses pengajaran dan pembelajaran
sesuai dengan peredaran masa dan menjayakan proses tranformasi pendidikan
negara. Objektif kajian ini dijalankan untuk mengenal pasti pemahaman guru-guru
bahasa Melayu berkaitan inovasi, mengenal pasti perbezaan yang wujud antara guru
lelaki dan guru perempuan dalam mengamalkan inovasi, pengkaji juga melihat
adakah wujud perbezaan antara guru baru dan guru yang sudah berpengalaman
dalam aspek mengaplikasikan inovasi serta mengenal pasti kekangan-kekangan yang
dialami oleh para guru untuk mengaplikasikan inovasi di sekolah. Seramai 63 orang
guru bahasa Melayu dari lapan buah kolej vokasional telah dipilih sebagai responden
dalam kajian ini. Data dianalisis menggunakan perisian Winsteps 3.69.1.11 dengan
pendekatan Model Pengukuran Rasch. Hasil analisis menunjukkan bahawa guru�guru bahasa Melayu memahami kepentingan inovasi dalam pengajaran dan
pembelajaran. Hasil kajian juga menunjukkan guru-guru perempuan lebih banyak
menerapkan unsur inovasi dalam pengajaran berbanding guru lelaki. Walaupun
begitu, aspek pengalaman tidak menunjukkan perbezaan dari segi pengamalan
inovasi sama ada guru baru ataupun guru yang sudah berpengalaman. Pengkaji juga
mengenal pasti beberapa kekangan yang dialami oleh guru-guru untuk mengamalkan
inovasi ini. Sebagai langkah untuk menangani masalah berkenaan, beberapa
cadangan telah dikemukakan oleh pengkaji bagi memastikan guru-guru dapat
merealisasikan proses pengajaran berkesan dengan penerapan inovasi mengikut
model pendekatan konstruktif. Pengkaji berharap, kajian ini dapat dijadikan sebagai
satu panduan kepada pelaksana kurikulum bagi memastikan budaya inovasi sentiasa
menjadi amalan dalam kalangan guru demi mengangkat profesionalisme guru di
Malaysia
M-Commerce Implementation in Nigeria: Trends and Issues
Nigeria was described as the fastest growing telecoms nation in Africa and the third in the World. The country had experienced a phenomenal growth from a teledensity of 0.49 in 2000 to 25.22 in 2007. This trend has brought about a monumental development in the major sectors of the economy, such as banking, telecoms and commerce in general.
This paper presents the level of adoption of ICT in the banking sector and investigates the prospects of m-Commerce in Nigeria based on strengths, weaknesses, opportunities and threats (SWOT) analysis.
Findings revealed that all banks in Nigeria offer e-Banking services and about 52% of the offer some forms of m-Banking services. The banks and the telecoms operators have enormous potentials and opportunities for m-Commerce but the level of patronage, quality of cell phones, lack of basic infrastructure and security issues pose a major threat to its wide scale implementation
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