Anonymous network access using the digital marketplace

With increasing usage of mobile telephony, and the trend towards additional mobile Internet usage, privacy and anonymity become more and more important. Previously-published anonymous communication schemes aim to obscure their users' network addresses, because real-world identity can be easily be derived from this information. We propose modifications to a novel call-management architecture, the digital marketplace, which will break this link, therefore enabling truly anonymous network access

The distance selling directive: consumer champion or complete irrelevance?

This paper investigates the origins, significant content, UK and EU implementation and outcomes of Directive 97/7/EC on distance selling, hereafter referred to as the Distance Selling Directive (DSD). The DSD has been implemented in national legislation by all EU Member States. In the UK this legislation was the Consumer Protection (Distance Selling) Regulations 2000 (SI 2000 No. 2334), hereafter referred to as the CPDSR

Costs and benefits of superfast broadband in the UK

This paper was commissioned from LSE Enterprise by Convergys Smart Revenue Solutions to stimulate an open and constructive debate among the main stakeholders about the balance between the costs, the revenues, and the societal benefits of ‘superfast’ broadband. The intent has been to analyse the available facts and to propose wider perspectives on economic and social interactions. The paper has two parts: one concentrates on superfast broadband deployment and the associated economic and social implications (for the UK and its service providers), and the other considers alternative social science approaches to these implications. Both parts consider the potential contribution of smart solutions to superfast broadband provision and use. Whereas Part I takes the “national perspective” and the “service provider perspective”, which deal with the implications of superfast broadband for the UK and for service providers, Part II views matters in other ways, particularly by looking at how to realise values beyond the market economy, such as those inherent in neighbourliness, trust and democrac

Optimal and quasi-optimal energy-efficient storage sharing for opportunistic sensor networks

This paper investigates optimum distributed storage techniques for data preservation, and eventual dissemination, in opportunistic heterogeneous wireless sensor networks where data collection is intermittent and exhibits spatio-temporal randomness. The proposed techniques involve optimally sharing the sensor nodes' storage and properly handling the storage traffic such that the buffering capacity of the network approaches its total storage capacity with minimum energy. The paper develops an integer linear programming (ILP) model, analyses the emergence of storage traffic in the network, provides performance bounds, assesses performance sensitivities and develops quasi-optimal decentralized heuristics that can reasonably handle the problem in a practical implementation. These include the Closest Availability (CA) and Storage Gradient (SG) heuristics whose performance is shown to be within only 10% and 6% of the dynamic optimum allocation, respectively

The Development, Use and Cultural Context of M-PESA in Costal Kenya

Launched in early 2007 by Safaricom, Kenya’s leading mobile service provider, the M-PESA mobile money transfer service has met with unparalleled consumer adoption and rapidly revolutionized money transfer throughout Kenya. Seen as the “mobile money success story,” the service allows users to transfer money to any other mobile phone user in the country instantly using even the most basic mobile telephones, and has become a model for the development of similar systems around the globe. The result of one month of full-time archival research and field work, this study presents a history of the development and acceptance of M-PESA by placing it in context with other money transfer services and methods, examines the service’s present-day use in three towns in Kenya’s Coast Province through interviews with more than 30 participants, and concludes by developing culturally-contextualized recommendations for future service offerings and improvements

E-Commerce and Banking Performance in Nigeria

E-commerce is relatively new in Nigeria and this business approach is fast gaining momentum. It has gradually emerged strongly and it’s advancing rapidly in all areas of financial intermediation and financial markets. This development has no doubt earned a competitive advantage owing to the fact that the recent development in telecommunications and information technology has resulted in new delivery channels for banking products and services. One of such derived benefits from e-commerce and its resultant impact on banking performance is its improved efficiency and effectiveness, convenience, reliability, flexibility, speed, etc. in order to enhance effective service delivery and boost banking performance in the Nigerian economy. However, as to how e-commerce practices can be employed in the pursuit of a sustainable development and economic growth is yet to be firmly established. This research work particularly describes the significance of e-commerce system by explaining the transition from the traditional business practices to the evolving electronic commerce practices which has broken many new grounds and has taken a global dimension.  Again, it explains why the electronic commerce channels such as the use of ATM, telecommunications, social networks, internet banking, POS terminals, Mobile phones, software applications, etc could enable business to blossom and reduce the movement of cash/cash handling which in turn helps to curb crime rates, mitigate other barricading challenges and would protect us from many dangers.  Also, it explains why it has gained greater height of acceptability and thus explains how information communication technology (ICT) could be exploited and enhanced for this purpose.  Conclusively, it develops a strategic management framework for leveraging e-commerce practices by providing considerable and practical suggestions on the use of e-e-commerce - its features, benefits, success factors and possible attendant risks associated with e-commerce. It guarantees customers’ patronage,  improve the standard of living, as well as facilitating economic, social and technological changes as certain values are expoused by sustainable development which in turn, would help to foster economic growth in the Nigerian economy . it was recommended that government and banks should establish adequate regulatory framework that will ensure customers’ protection and security of investment. Keywords: e-commerce, e-banking, mobile commerce/mobile banking, internet banking, information technology, social networks.

Privacy-preserving Payments for Transportation Systems

The operation of our society heavily relies on high mobility of people. Not only our social life but also our economy and trade are built upon a system where people need to be able to move around easily. The costs for building and maintaining a suitable transportation infrastructure to satisfy those needs are high, and to charge users is thus a central requirement. This calls for well functioning payment systems satisfying the multitude of requirements that transportation systems impose on them. Electronic payment systems have many benefits over traditional cash payments as they are easy to maintain, can be more secure, reduce revenue collection costs, and can reduce the execution time of a payment. However, as a drawback, currently employed electronic payment systems usually reveal a payer’s identity during a payment which greatly infringes customer privacy. In the transportation domain this allows to generate fine grain patterns of customers’ locations. Cryptographic payment protocols called e-cash have been proposed which allow to preserve a customer’s privacy. E-cash provides provable guarantees for both security and user privacy, as it allows secure, unlinkable payments which do not reveal the identity of the payer during a payment. From a security and privacy perspective these protocols present a good solution. However, even though e-cash protocols have been proposed three decades ago, there are relatively few actual implementations. One reason for this is their high computational complexity which makes an implementation on potential mobile payment devices rather difficult. While customers usually value their privacy they often do not accept to sacrifice convenience. A fast execution of payments is thus a hard constraint, which conflicts with the computational complexity of e-cash schemes. This dissertation analyzes how e-cash can be used to solve the issue of privacy in the domain of transportation payments while satisfying the unique requirements of transportation payment systems and achieving high security and ease of use. Highlyefficient implementations of the underlying cryptographic primitives of e-cash schemes on constrained devices as they might be used in the transportation setting are presented. Based on the efficient implementations of these primitives, e-cash schemes are analyzed with regards to speed and hardware requirements. The results show that e-cash presents a good solution for privacy-preserving payments in the domain of public transport, if the number of coins that have to be spent can be limited. It is further practically shown that this limitation can be alleviated relying on the e-cash based privacy-preserving pre-payments with refunds scheme (P4R). Moreover, it is demonstrated that the promising feature of supporting the encoding of user attributes into electronic coins can be implemented at only moderate extra cost. Finally, an ecash based e-mobility payment scheme is presented which highlights the flexibility and unique advantages of e-cash based transportation payment schemes

Online Payment Gateways Used to Facilitate E-Commerce Transactions and Improve Risk Management

As online transactions continue to increase and become a significant part of the global economy, the ability to accept payments online becomes more important for businesses. This paper evaluates the literature and provides current information for IS researchers and instructors focusing on electronic commerce. In this paper, we explore the components of e-credit providers (conventional, person-to-person, and third-party) and explain how each system processes a single transaction. We then analyze several market leaders in each segment and summarize the strengths and weaknesses of each company. We provide guidelines for selecting an e-credit provider and highlight the options that apply best to online businesses. Finally, we outline potential areas of future research and provide a simple tutorial on creating a business account with PayPal website Payments Standard as an example of an online payment provider