Enabling technologies for decentralized interpersonal communication

In the recent years the Internet users have witnessed the emergence of Peer-to-Peer (P2P) technologies and applications. One class of P2P applications is comprised of applications that are targeted for interpersonal communication. The communication applications that utilize P2P technologies are referred to as decentralized interpersonal communication applications. Such applications are decentralized in a sense that they do not require assistance from centralized servers for setting up multimedia sessions between users. The invention of Distributed Hash Table (DHT) algorithms has been an important, but not an inclusive enabler for decentralized interpersonal communication. Even though the DHTs provide a basic foundation for decentralization, there are still a number of challenges without viable technological solutions. The main contribution of this thesis is to propose technological solutions to a subset of the existing challenges. In addition, this thesis also presents the preliminary work for the technological solutions. There are two parts in the preliminary work. In the first part, a set of DHT algorithms are evaluated from the viewpoint of decentralized interpersonal communication, and the second part gives a coherent presentation of the challenges that a decentralized interpersonal communication application is going to encounter in mobile networks. The technological solution proposals contain two architectures and two algorithms. The first architecture enables an interconnection between a decentralized and a centralized communication network, and the second architecture enables the decentralization of a set of legacy applications. The first algorithm is a load balancing algorithm that enables good scalability, and the second algorithm is a search algorithm that enables arbitrary searches. The algorithms can be used, for example, in DHT-based networks. Even though this thesis has focused on the decentralized interpersonal communication, some of the proposed technological solutions also have general applicability outside the scope of decentralized interpersonal communication

Enabling technologies for decentralized interpersonal communication

In the recent years the Internet users have witnessed the emergence of Peer-to-Peer (P2P) technologies and applications. One class of P2P applications is comprised of applications that are targeted for interpersonal communication. The communication applications that utilize P2P technologies are referred to as decentralized interpersonal communication applications. Such applications are decentralized in a sense that they do not require assistance from centralized servers for setting up multimedia sessions between users. The invention of Distributed Hash Table (DHT) algorithms has been an important, but not an inclusive enabler for decentralized interpersonal communication. Even though the DHTs provide a basic foundation for decentralization, there are still a number of challenges without viable technological solutions. The main contribution of this thesis is to propose technological solutions to a subset of the existing challenges. In addition, this thesis also presents the preliminary work for the technological solutions. There are two parts in the preliminary work. In the first part, a set of DHT algorithms are evaluated from the viewpoint of decentralized interpersonal communication, and the second part gives a coherent presentation of the challenges that a decentralized interpersonal communication application is going to encounter in mobile networks. The technological solution proposals contain two architectures and two algorithms. The first architecture enables an interconnection between a decentralized and a centralized communication network, and the second architecture enables the decentralization of a set of legacy applications. The first algorithm is a load balancing algorithm that enables good scalability, and the second algorithm is a search algorithm that enables arbitrary searches. The algorithms can be used, for example, in DHT-based networks. Even though this thesis has focused on the decentralized interpersonal communication, some of the proposed technological solutions also have general applicability outside the scope of decentralized interpersonal communication

Intelligent Sensor Networks

In the last decade, wireless or wired sensor networks have attracted much attention. However, most designs target general sensor network issues including protocol stack (routing, MAC, etc.) and security issues. This book focuses on the close integration of sensing, networking, and smart signal processing via machine learning. Based on their world-class research, the authors present the fundamentals of intelligent sensor networks. They cover sensing and sampling, distributed signal processing, and intelligent signal learning. In addition, they present cutting-edge research results from leading experts

Legal and regulatory aspects of mobile financial services

The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. | viPublic, Constitutional and International LawLL. D