Mobile qualified electronic signatures for secure mobile brokerage

Despite a legal framework being in place for several years, the market share of qualified electronic signatures is disappointingly low. Mobile Signatures provide a new and promising opportunity for the deployment of an infrastructure for qualified electronic signatures. We that SIM-based signatures are the most secure and convenient solution. However, using the SIM-card as a secure signature creation device (SSCD) raises new challenges, because it would contain the user’s private key as well as the subscriber identification. Combining both functions in one card raises the question who will have the control over the keys and certificates. We propose a protocol called Certification on Demand (COD) that separates certification services from subscriber identification information and allows consumers to choose their appropriate certification services and service providers based on their needs. This infrastructure could be used to enable secure mobile brokerage services that can ommit the necessity of TAN lists and therefore allow a better integration of information and transaction services

The simplicity project: easing the burden of using complex and heterogeneous ICT devices and services

As of today, to exploit the variety of different "services", users need to configure each of their devices by using different procedures and need to explicitly select among heterogeneous access technologies and protocols. In addition to that, users are authenticated and charged by different means. The lack of implicit human computer interaction, context-awareness and standardisation places an enormous burden of complexity on the shoulders of the final users. The IST-Simplicity project aims at leveraging such problems by: i) automatically creating and customizing a user communication space; ii) adapting services to user terminal characteristics and to users preferences; iii) orchestrating network capabilities. The aim of this paper is to present the technical framework of the IST-Simplicity project. This paper is a thorough analysis and qualitative evaluation of the different technologies, standards and works presented in the literature related to the Simplicity system to be developed

Mobile Brokerage Infastructures - Capabilities and Security Requirements

This paper investigates the potential of integrated mobile financial information and transaction services which can help private investors in making time-critical investment decisions and portfolio transactions in time. The analysis of intraday stock price reactions following company announcements provides evidence regarding the added value of such services if abnormal price movements can be observed. As efficient capital markets react very quickly to new information available, private investors require combined mobile notification and transaction services. So far, existing concepts can not fulfill these requirements which results from inappropriate implementation of the security mechanisms in order to realize secure and trustworthy processing. After identifying potential weaknesses of current solutions we introduce an adequate system infrastructure which can realize secure information and transaction processing in time by permitting a smart integration of notification and transaction services

Mobile services in banking sector: The role of innovative business solutions in generating competitive advantage

The wide-ranging economic developments of the previous decade, e.g. the integration of world economies, have made a significant impact towards increasing the mobility of the working populace and their families. At the same time, technological developments especially in the field of telecommunication have made it possible to offer innovative, location sensitive services on ubiquitous basis to customers on the move. Our paper examines innovative mobile solutions in the field of mobile financial services (MFS) by using four case studies from Germany and Switzerland - representing two banks and two different technology solutions. The paper scrutinizes the strategic relevance of MFS to the competitive position of the firm concerned. Finally, we present five propositions about the role of innovative business solutions in the banking sectors and recommend that a large scale empirical study to test these propositions be conducted in the future. --Mobile Banking,Mobile Commerce,Mobile Financial Services,Multi-channel strategy,Innovation in banking sector

Electronic business and electronic commerce (supporting lecture notes for students of dirеction "Management" of all forms of education)

E-Business systems naturally have greater security risks than traditional business systems, therefore it is important for e-business systems to be fully protected against these risks. Customers, suppliers, employees, and numerous other people use any particular e-business system daily and expect their confidential information to stay secure. Hackers are one of the great threats to the security of e-businesses. Some common security concerns for e-Businesses include keeping business and customer information private and confidential, authenticity of data, and data integrity. Some of the methods of protecting e-business security and keeping information secure include physical security measures as well as data storage, data transmission, anti-virus software, firewalls, and encryption to list a few.Розглянуто та рекомендовано до друку на засіданні кафедри інноваційного менеджменту та підприємництва, протокол No1 від 27 серпня 2015 року. Схвалено та рекомендовано до друку на засіданні методичної комісії факультету управління та бізнесу у виробництві Тернопільського національного технічного університету імені Івана Пулюя, протокол No6 від 26 лютого 2016 року.The purpose of thе document is to present the different underlying "technologies" (in reality, organizational modes based on information and communication technologies) and their associated acronyms. The term "e-Business" therefore refers to the integration, within the company, of tools based on information and communication technologies (generally referred to as business software) to improve their functioning in order to create value for the enterprise, its clients, and its partners.Topic 1. Basic concepts of electronic business and electronic commerce 1.1. Basic concepts and principles of e-business. 1.2. Origins and growth of e-commerce. Topic 2. Ecommerce as a part of electronic business 2.1. E-business infrastructure, e-environment and e-business strategy 2.2. Ways of e-business conducting. Online trading. Topic 3. Basis of global computer network internet functioning. 3.1. Basic principles of internet. 3.2. The most common services of Іnternet. 3.3. The concept and structure of Internet marketing. Topic 4. E-commerce systems in corporate sector 4.1. The basic processes of implementation of electronic commerce in the B2B sector. Virtual enterprise, internet incubator, mobile commerce. 4.2. The role of supply-chain management (SCM) and customer relationship management (CRM) in e-commerce. Topic 5. Information management for effective e-commerce building through intranet and extranet 5.1. Basic principles of Intranet functioning. 5.2. Extranet and its security issues. Topic 6. Electronic payment systems 6.1. Electronic payment systems. 6.2. Primary classification of payment systems

Investigating in Security Solutions - Can Qualified Electronic Signatures be Profitable for Mobile Operators?

Electronic signatures are an established method to ensure the integrity and accountability of electronic transactions. Realizing their potential, the European Parliament and the Council enacted the directive 1999/93/EC in 1999, providing legal requirements for a common introduction of electronic signatures in Europe. However, so far the signature market has failed miserably. Mobile electronic signatures are often seen as a potential and promising way to provide market acceptance for electronic signatures. This paper proposes an infrastructure for qualified mobile electronic signatures that does not require the mobile operator to act as a certificate service provider (CSP). The user can freely choose a CSP and add the signature functionality along with the required certificates later on demand. However, mobile operators will only invest in this infrastructure, if they expect a return on investment (ROI). Therefore, based on our proposed infrastructure and using distinct scenarios, we conducted an investment analysis for mobile operators forecasting the net present value and the internal rate of return of the investment. Our forecast shows that issuing signature capable smart cards can be quite profitable for a mobile operator

A Review on various E-business and M-business models & Research Opportunities

A business model is a set of process/activities that results in sustainable profit through desired revenue and customer value. The business model spells out how a company makes money by specifying its position in the value chain. A business model which uses electronic communication technology such as internet for exchanging information is called e-business model. The e-business model includes the roles and relationships among a firm's customers, allies, and suppliers; the major flows of product, services, information, and money; and the major benefits to the participants. This paper contains review on various business models used in e-business, m-business, and m banking. All the major E-commerce business models which fall under 3 main categories : B2B - Business to business, B2C - Business to consumer, C2C - Consumer to consumer are also discussed with their benefits and limitations. Based on business model framework, various research agenda and opportunities are identified and elaborated