A tokenization-based communication architecture for HCE-Enabled NFC services

Following the announcement of Host Card Emulation (HCE) technology, card emulation mode based Near Field Communication (NFC) services have gained further appreciation as an enabler of the Cloud-based Secure Element (SE) concept. A comprehensive and complete architecture with a centralized and feasible business model for diverse HCE-based NFC services will be highly appreciated, particularly by Service Providers and users. To satisfy the need in this new emerging research area, a Tokenization-based communication architecture for HCE-based NFC services is presented in this paper. Our architecture proposes Two-Phased Tokenization to enable the identity management of both user and Service Provider. NFC Smartphone users can store, manage, and make use of their sensitive data on the Cloud for NFC services; Service Providers can also provide diverse card emulation NFC services easily through the proposed architecture. In this paper, we initially present the Two-Phased Tokenization model and then validate the proposed architecture by providing a case study on access control. We further evaluate the usability aspect in terms of an authentication scheme. We then discuss the ecosystem and business model comprised of the proposed architecture and emphasize the contributions to ecosystem actors. Finally, suggestions are provided for data protection in transit and at rest.This work is funded by KocSistem Information and Communication Services Inc. and Turkish Ministry of Science, Industry and Technology under SAN-TEZ Project no. 0726.STZ.2014Publisher's Versio

Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents

Bringing innovation to the marketplace for new products and services involves creativity, a culture in which change flourishes, and leadership that thrives on transformation and complexity. This study explored the potential for market disruption or change based on innovations involving patents granted to nonfinancial services organizations that could affect financial services, specifically consumer or retail bank products. It involved analyzing documents related to recently granted patents and completing a mixed methods survey integrating the Delphi research technique. This method required multiple iterations of a survey presented to expert panelists or industry thought leaders to attempt to gain consensus ( Consensus , 2011) or general agreement by the group (Tersine & Riggs, 1976). With this research method, the goal is to gain an understanding of initial individual perspectives. Through an iterative process, then determine if, as a group, they can move toward a common vision of what is likely to happen after viewing other\u27s perspectives. This research was specific to two innovations for which patents have been granted: facial recognition and digital wallets. Patents can provide insights into potential new developments planned by organizations. In some cases, patents can provide insights into innovation, potential threats, opportunities, or disruptions that could change the way a market operates. The goal of this research was to select two recent patents from many that have been granted, develop theoretical insights, and, through a mixed methods survey integrating the Delphi methodology, identify when or if these patents could have an impact on financial services. This research brought together thought leaders in an anonymous, collaborative approach to assess considerations and provide their perspective on these changes. This study served to help leaders drive innovation in financial services organizations and to understand how others perceive these innovations. The electronic version of this Dissertation is at OhioLink ETD Center, www.etd.ohiolink.ed

Balvia ecosystems product placement

Mestrado em IPB-ESTGTechnological advancement in medicine enabled humankind to surpass many difficulties and cure countless diseases. These solutions improve the quality of life and well-being for mankind. Non-adherence to prescribed medication is a problematic that decrease the overall quality of life and health, while increasing the costs of health care. It can have many reasons and the consequences can be dire. The project “Automatic pills dispenser device - SelfMed” aims to provide a solution for that problem. The project SelfMed envisions the creation of a machine that can store, organize and dispense medication in the proper quantity and time, alerting the user of the medicine and facilitating remote access to data. It is a smart and independent machine capable of communication with other systems, and with many security features. This work is in the scope of project SelfMed, further develops the pill dispenser prototype, creates a new scope for the solution, design the business base for the commercialization of the products. The solution being developed is an ecosystem that includes an automatic pill dispenser device, user interfaces, cloud system, a smartwatch application, and a service.O avanço tecnológico na medicina permitiu à humanidade superar muitas dificuldades e curar inúmeras doenças. Essas soluções melhoram a qualidade de vida e o bem-estar da humanidade. A não adesão às prescrições médicas é uma problemática que diminui a qualidade geral de vida e saúde, ao mesmo tempo que aumenta os custos dos cuidados de saúde. Pode ter muitas razões e as consequências podem ser terríveis. O projeto “Dispensador Automático de Comprimidos - SelfMed” visa fornecer uma solução para esse problema. O projeto SelfMed prevê a criação de uma máquina capaz de armazenar, organizar e dispensar medicamentos na quantidade e tempo adequados, alertando o utilizador sobre o medicamento e facilitando o acesso remoto aos dados. É uma máquina inteligente e independente capaz de se comunicar com outros sistemas e com muitos recursos de segurança. Este trabalho está no escopo do projeto SelfMed, desenvolve ainda mais o protótipo do dispensador de comprimidos, cria um novo âmbito para a solução, e desenha a base de negócios para a comercialização dos produtos. A solução que está a ser desenvolvida é um ecossistema que inclui um dispositivo, dispensador automático de comprimidos, interfaces de utilizador, sistema em nuvem, um aplicativo smartwatch e um serviço

State of the Art, Trends and Future of Bluetooth Low Energy, Near Field Communication and Visible Light Communication in the Development of Smart Cities

The current social impact of new technologies has produced major changes in all areas of society, creating the concept of a smart city supported by an electronic infrastructure, telecommunications and information technology. This paper presents a review of Bluetooth Low Energy (BLE), Near Field Communication (NFC) and Visible Light Communication (VLC) and their use and influence within different areas of the development of the smart city. The document also presents a review of Big Data Solutions for the management of information and the extraction of knowledge in an environment where things are connected by an “Internet of Things” (IoT) network. Lastly, we present how these technologies can be combined together to benefit the development of the smart city