Analysis of Windows Cardspace Identity Management System

The Internet, which was originally developed for academic purposes, has expanded and been applied to commercial and business enterprises. It is possible to purchase airline tickets, check bank balances and communicate through e-mail with each other through the Internet. These services can all be performed relatively easily with the proliferation of Internet Service Providers and the lower cost of Personal Computers. The development of the Internet has also had a huge impact on businesses with the growth of e-commerce, e-banking and the tremendous growth in email traffic. There is however a negative impact to this development of the Internet with the rise in on-line criminal activity. The increasing use of the Internet has resulted in the development of on-line identities for users. There can be a great deal of sensitive and personal information associated with an on-line identity and gaining access to these privileges can provide cyber criminals with access to personal resources such as bank account details, credit card information etc. This type of activity has given rise to the term identity theft . This project will present an introduction to Microsoft Cardspace and how it relates to dealing with identity theft, the theory behind the application and present practical demonstrations of how the technology can be implemented using Microsoft© .NET framework technology

Electronic Commerce on Business Application

For some time now, Whole size business enterprises have used electronic commerce to conduct their business activities. The On-Line store is one of a number of popular web applications. This thesis focuses on one of the emerging On-Line store technologies which is known as Server-Side Java Application. In early 1960, private networks were dedicated for the use of electronic data interchange (EDI) and electronic funds transfer (EFT) in banking business. Recently, however, with the increased awareness and popularity of the Internet, electronic commerce has come to encompass individual consumers as well as businesses of all size. For most people, electronic commerce is defined as the buying and selling of products and services over the Internet, but there are many more aspects. We will discuss different definitions of electronic commerce in this paper. The most popular Web applications are the On-Line Stores. Most of such applications involve functions as searching for product information, ordering products, paying for goods and services, and for providing online customer service. A Web server, running continuously, accepts user’s connection; gets user requests and forward requests to business procedure; retrieves data (answers to user requests) from business procedure and sends it back to the user. An on-line store system is different from a traditional web publishing. It needs a customer’s interactive communication and frequent data update. The traditional HTML page does not satisfy the customer’s needs because all it does is simply publish static contents. More complex technologies are required in order to produce dynamic contents. There are a few technologies that can be used for implementing the on-line stores. Common Gateway Interface (CGI), Microsoft Active Server Page (ASP) and Serverside Java application are the most popular technologies. Introducing the Server-Side Java application is one of the latest and most exciting trends in Java programming. The Server-side Java application has many advantages over the other technologies

Understanding the consumption process through in-branch and e-mortgage service channels: A first-time buyer perspective

This article is (c) Emerald Group Publishing and permission has been granted for this version to appear here (////BURA web address here). Emerald does not grant permission for this article to be further copied/distributed or hosted elsewhere without the express permission from Emerald Group Publishing Limited.Purpose – The twin aims of this paper are to explore the differences in the consumption process between the traditional in-branch and web-based (e-mortgage) service channels and how the differences relate to any problems identified in the electronic service environment, with respect to information search and product evaluation. Design/methodology/approach – A process-oriented approach comparing the two service channels (in-branch vs e-mortgage) was conducted in two study phases. Data from the e-mortgage process were collected using protocol analysis with 12 first-time buyers (FTBs) applying on a website belonging either to a hybrid or to an internet-only bank. Results of the e-mortgage process were mapped on to stages of the in-branch process, which was captured by observation of six FTB mortgage interviews to determine the level of correspondence and emergent issues. Findings – Support for the FTB in the e-mortgage process was problematic and service provision was found to be product- rather than consumer-oriented. Practical implications – The study highlights the importance of design issues in the electronic service environment for creating confidence in the online advice and information available on home mortgages for FTBs. Originality/value – The paper promotes increased understanding by financial service providers of the characteristics that support the consultative selling process for complex products such as mortgages and inform multichannel retailing

Experimental Case Studies for Investigating E-Banking Phishing Techniques and Attack Strategies

Phishing is a form of electronic identity theft in which a combination of social engineering and web site spoofing techniques are used to trick a user into revealing confidential information with economic value. The problem of social engineering attack is that there is no single solution to eliminate it completely, since it deals largely with the human factor. This is why implementing empirical experiments is very crucial in order to study and to analyze all malicious and deceiving phishing website attack techniques and strategies. In this paper, three different kinds of phishing experiment case studies have been conducted to shed some light into social engineering attacks, such as phone phishing and phishing website attacks for designing effective countermeasures and analyzing the efficiency of performing security awareness about phishing threats. Results and reactions to our experiments show the importance of conducting phishing training awareness for all users and doubling our efforts in developing phishing prevention techniques. Results also suggest that traditional standard security phishing factor indicators are not always effective for detecting phishing websites, and alternative intelligent phishing detection approaches are needed

A Secure Mobile-based Authentication System

Financial information is extremely sensitive. Hence, electronic banking must provide a robust system to authenticate its customers and let them access their data remotely. On the other hand, such system must be usable, affordable, and portable.We propose a challengeresponse based one-time password (OTP) scheme that uses symmetric cryptography in combination with a hardware security module. The proposed protocol safeguards passwords from keyloggers and phishing attacks. Besides, this solution provides convenient mobility for users who want to bank online anytime and anywhere, not just from their own trusted computers.La informació financera és extremadament sensible. Per tant, la banca electrònica ha de proporcionar un sistema robust per autenticar als seus clients i fer-los accedir a les dades de forma remota. D'altra banda, aquest sistema ha de ser usable, accessible, i portàtil. Es proposa una resposta al desafiament basat en una contrasenya única (OTP), esquema que utilitza la criptografia simètrica en combinació amb un mòdul de maquinari de seguretat. Amés, aquesta solució ofereix mobilitat convenient per als usuaris que volen bancària en línia en qualsevol moment i en qualsevol lloc, no només des dels seus propis equips de confiança.La información financiera es extremadamente sensible. Por lo tanto, la banca electrónica debe proporcionar un sistema robusto para autenticar a sus clientes y hacerles acceder a sus datos de forma remota. Por otra parte, dicho sistema debe ser usable, accesible, y portátil. Se propone una respuesta al desafío basado en una contraseña única (OTP), esquema que utiliza la criptografía simétrica en combinación con un módulo hardware de seguridad hardware. Además, esta solución ofrece una movilidad conveniente para los usuarios que quieren la entidad bancaria en línea en cualquier momento y en cualquier lugar, no sólo des de sus propios equipos de confianza

Development and Deployment of VoiceXML-Based Banking Applications

In recent times, the financial sector has become one of the most vibrant sectors of the Nigerian economy with about twenty five banks after the bank consolidation / merger exercise. This sector presents huge business investments in the area of Information and Communication Technology (ICT). It is also plausible to say that the sector today is the largest body of ICT services and products users. It is no gainsaying the fact that so many Nigerians now carry mobile phones across the different parts of the country. However, applications that provide voice access to real-time banking transactions from anywhere, anytime via telephone are still at their very low stage of adoption across the Nigerian banking and financial sector. A versatile speech-enabled mobile banking application has been developed using VXML, PHP, Apache and MySQL. The developed application provides real-time access to banking services, thus improving corporate bottom-line and Quality of Service (QoS) for customer satisfaction

Factors Influencing People’s Intention to Adopt E-Banking: An Empirical Study of Consumers in Shandong Province, China

E-Banking is growing at an unprecedented rate and has become a truly worldwide phenomenon, offering convenience, flexibility and interactivity for those that can, and know how to access it. This is clearly evidence in China. However, despite such growth and popularity, some users still have reservations about using Information and communication technology (ICT) in their daily banking activities, perhaps due to deep routed cultural factors that cause consumers to question the efficacy of such changes. Through the application of a technology acceptance framework, and empirical evidence from 52 E-Banking user questionnaires and four key market segment interviews, the research explores the factors that influence consumers’ intention to adopt E-Banking in Shandong Province of China. The findings highlight that perceived usefulness and perceived credibility are significant factors which have a positive influence on consumers’ intention to utilise E-Banking, while perceived ease of use and perceived cost are less significant. Unpacking the reasons for resistance to the use of E-Banking highlighted that “difficult to operate”, “unnecessary to use it” and “worry about the security” are key drivers and therefore challenges for the service providers. Based on the results, recommendations are drawn for banks, involving focusing on the significant factors, avoiding weaknesses and optimising strengths of E-Banking and ultimately developing more accurate market positioning strategies to align and manage consumer expectations and maximise potential acceptance

Marketing relations and communication infrastructure development in the banking sector based on big data mining

Purpose: The article aims to study the methodological tools for applying the technologies of intellectual analysis of big data in the modern digital space, the further implementation of which can become the basis for the marketing relations concept implementation in the banking sector of the Russian Federation‘ economy. Structure/Methodology/Approach: For the marketing relations development in the banking sector in the digital economy, it seems necessary: firstly, to identify the opportunities and advantages of the big data mining in banking marketing; secondly, to identify the sources and methods of processing big data; thirdly, to study the examples of the big data mining successful use by Russian banks and to formulate the recommendations on the big data technologies implementation in the digital marketing banking strategy. Findings: The authors‘ analysis showed that big data technologies processing of open online and offline sources of information significantly increases the data amount available for intelligent analysis, as a result of which the interaction between the bank and the target client reaches a new level of partnership. Practical Implications: Conclusions and generalizations of the study can be applied in the practice of managing financial institutions. The results of the study can be used by bank management to form a digital marketing strategy for long-term communication. Originality/Value: The main contribution of this study is that the authors have identified the main directions of using big data in relationship marketing to generate additional profit, as well as the possibility of intellectual analysis of the client base, aimed at expanding the market share and retaining customers in the banking sector of the economy.peer-reviewe

Effect of Trust and Ease Of Popularity of Interest Transaction System to Improve Online Website PT KAI (A Study on Passenger Train in Semarang Tawang Station)

The purpose of this research is to Investigate the Effects of Trust, Easy of System, Popularity System and the effect the popularity of the system on an on-line transaction. The study was conducted at passengers KAI Semarang Tawang Station, the sample size is about 125 passengers. The data is processed using the Structural Equation Modeling (SEM) roomates assisted by the application program of Analysis of Moment Structure (AMOS) version 18.0. According to the analysis, it is concluded as the followings: easy of system has a positive effect on the popularity of the system; trust has a positive effect on the popularity of the system; popularity of the system has a positive effect on the on-line transaction; easy of sytem has a positive effect on the on-line transaction; trust has a not effect on the on-line transaction