Secure Authentication Protocols for Mobile Commerce Transactions

[[abstract]]Several years ago, handheld devices were regarded luxuries. But they are almost taking the place of the traditional phones. It is because of the speedy development of mobile and wireless communication technologies. Nowadays, the mobile station plays an important role in most people?s daily life. Furthermore, the explosion of the Internet has led to an electronic commerce environment such that people can conduct most transactions electronically. To improve the convenience and portability of electronic commerce, the mobile commerce system is proposed. In 2003, Lam et al. proposed a lightweight security mechanism for mobile commerce. Unfortunately, we find that there exists a security weakness in their method. Hence, we provide improvements on their proposed authentication protocol to make it secure. Besides, we propose a new authentication protocol for the mobile commerce transactions without adopting the public key cryptosystem

M-Commerce Implementation in Nigeria: Trends and Issues

Nigeria was described as the fastest growing telecoms nation in Africa and the third in the World. The country had experienced a phenomenal growth from a teledensity of 0.49 in 2000 to 25.22 in 2007. This trend has brought about a monumental development in the major sectors of the economy, such as banking, telecoms and commerce in general. This paper presents the level of adoption of ICT in the banking sector and investigates the prospects of m-Commerce in Nigeria based on strengths, weaknesses, opportunities and threats (SWOT) analysis. Findings revealed that all banks in Nigeria offer e-Banking services and about 52% of the offer some forms of m-Banking services. The banks and the telecoms operators have enormous potentials and opportunities for m-Commerce but the level of patronage, quality of cell phones, lack of basic infrastructure and security issues pose a major threat to its wide scale implementation

Pengaruh transaksi digital terhadap pertumbuhan ekonomi Negara Muslim mayoritas

ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh transaksi digital terhadap pertumbuhan ekonomi negara muslim mayoritas. Variabel yang digunakan dalam penelitian ini adalah transaksi Electronic Money (E-money), transaksi Mobile Banking (M-Banking), transaksi E-commerce dan Produk Domestik Bruto (PDB). Adapun metode penelitian yang digunakan adalah Metode kuantitatif. Teknik pengambilan sampel menggunakan teknik sampling jenuh dengan jumlah data sebanyak 48. Berdasarkan hasil uji regresi linier berganda diperoleh hasil bahwa, transaksi E-money tidak berpengaruh signifikan terhadap pertumbuhan ekonomi di negara muslim mayoritas dan M-Banking berpengaruh signifikan terhadap pertumbuhan ekonomi di negara muslim mayoritas. Sedangkan variabel transaksi e-commerce berpengaruh negatif signifikan terhadap pertumbuhan ekonomi di negara muslim mayoritas. Dengan adanya hasil penelitian ini, perbankan diharapkan melakukan inovasi-inovasi agar masyarakat semakin berminat untuk menggunakan mobile banking. Pemerintah dan sektor swasta diharapkan bekerja sama untuk melakukan pengembangan infrastuktur seperti internet untuk mendukung pertumbuhan perekonomian. ABSTRACT This study aims to determine the effect of digital transactions on the economic growth of most Muslim countries. The variables used in this study are Electronic Money (E-money) transactions, Mobile Banking (M-Banking) transactions, E-commerce transactions, and Gross Domestic Product (GDP). The research method used is the quantitative method. The sampling technique uses a saturated sampling technique with 48 data. Based on the results of multiple linear regression tests, it was found that E-money transactions did not significantly affect economic growth in majority Muslim countries, and M-Banking had a significant effect on economic growth in majority Muslim countries. At the same time, the variable of e-commerce transactions has a significant negative impact on economic growth in the majority Muslim countries. With the results of this research, banks are expected to make innovations so that people are increasingly interested in using mobile banking. The government and the private sector are expected to work together to develop infrastructure, such as the Internet, to support economic growth. مستخلص البحث تهدف هذه الدراسة إلى تحديد تأثير المعاملات الرقمية على النمو الاقتصادي في الدول ذات الأغلبية المسلمة. المتغيرات المستخدمة في هذه الدراسة هي معاملات النقود الإلكترونية (النقود الإلكترونية) والمعاملات المصرفية عبر الهاتف المحمول (M-Banking) ومعاملات التجارة الإلكترونية والناتج المحلي الإجمالي (GDP). طريقة البحث المستخدمة هي الطريقة الكمية. تستخدم تقنية أخذ العينات أسلوب أخذ العينات المشبع بإجمالي 48 بيانات.بناءً على نتائج اختبار الانحدار الخطي المتعدد ، كانت النتيجة أن معاملات النقود الإلكترونية ليس لها تأثير كبير على النمو الاقتصادي في غالبية البلدان الإسلامية و M- المصرفية لها تأثير كبير على النمو الاقتصادي في البلدان الإسلامية ذات الأغلبية. وفي الوقت نفسه ، فإن معاملات التجارة الإلكترونية المتغيرة لها تأثير سلبي كبير على النمو الاقتصادي في البلدان ذات الأغلبية المسلمة. مع نتائج هذه الدراسة ، من المتوقع أن تبتكر البنوك بحيث يهتم الناس بشكل متزايد باستخدام الخدمات المصرفية عبر الهاتف المحمول. من المتوقع أن تعمل الحكومة والقطاع الخاص معًا لتطوير البنية التحتية مثل الإنترنت لدعم النمو الاقتصادي

A modularized electronic payment system for agent-based e-commerce

With the explosive growth of the Internet, electronic-commerce (e-commerce) is an increasingly important segment of commercial activities on the web. The Secure Agent Fabrication, Evolution & Roaming (SAFER) architecture was proposed to further facilitate e-commerce using agent technology. In this paper, the electronic payment aspect of SAFER will be explored. The Secure Electronic Transaction (SET) protocol and E-Cash were selected as the bases for the electronic payment system implementation. The various modules of the payment system and how they interface with each other are shown. An extensible implementation done using JavaTM will also be elaborated. This application incorporates agent roaming functionality and the ability to conduct e-commerce transactions and carry out intelligent e-payment procedures

A Framework for M-Commerce Implementation in Nigeria

The Internet has brought about the concept of grobalilation, which has revolutionized the way business is transacted all over the world. The E-comnterce is of particular interest, though widely used but still has some security challenges in terms of transparency and confidentiality of transactiorts. This papei focuses on M-contnrcrce as an extensiott to E-commerce hnplementatiott with the Bankiltg industry proposed as core implementation consideration in ortler to guarantee high level security. We have reviewed some cqses of onlilrc frauds and eliscussed tlte emerging critical issues afficting software development of M-cornmerce applicatiotts. Afranrcworkfor M-commerce implementationis therefore,proposed for countries such as Nigeria, Romania and Indonesia where cases of online scam are alanning

Determinants for a generic mobile commerce transformation framework

Current technological advancement has given the necessary impetus for businesses to transform from traditional ways into to mobile business or m-businesses. This transformation has begun from the Internet era, where traditional businesses transformed to e-businesses by taking advantages of the facilities offered by the Internet. Recent development in wireless technology facilitated businesses to move further to m-businesses. Despite the development in the technical domain, it appears that businesses still struggle to comprehend the processes involved in the transformation because a proper framework is yet to evolve. This work-in-progress paper provides a background to such transformation with a method to achieve this transformation

A multi-agent architecture for electronic payment

The Internet has brought about innumerable changes to the way enterprises do business. An essential problem to be solved before the widespread commercial use of the Internet is to provide a trustworthy solution for electronic payment. We propose a multi-agent mediated electronic payment architecture in this paper. It is aimed at providing an agent-based approach to accommodate multiple e-payment schemes. Through a layered design of the payment structure and a well-defined uniform payment interface, the architecture shows good scalability. When a new e-payment scheme or implementation is available, it can be plugged into the framework easily. In addition, we construct a framework allowing multiple agents to work cooperatively to realize automation of electronic payment. A prototype has been built to illustrate the functionality of this design. Finally we discuss the security issues

A Framework for e-Commerce Implementation: Nigeria a Case Study

The advent of the Internet has transformed the business environment in no small measure and has influenced the ways and manner businesses are transacted. This platform has brought about enhanced electronic and mobile business transactions. However, the advent of e-Commerce, m-Commerce or i-Commerce has placed a premium on the participating organisations or nations in terms of provision of the basic infrastructure for a secure, seamless and trusted business environment through the electronic media. This paper presents an exploratory study of the prospects of e-Commerce implementation and the factors inhibiting its growth. A set of questionnaire was designed, administered and analysed based on political, economic, social and technological (PEST) analysis. The PEST analysis is to help review the current practices with a view to developing a framework for Nigeria and other developing nations in Africa. Findings revealed that the Automatic Teller Machine (ATM) is the most widely used medium of e-Payment in Nigeria, which is not very suitable for e-Commerce implementation. Similarly, the Internet penetration is still abysmally low and is one of the major threats to e-Commerce implementation. However, the nascent democracy enjoyed in Nigeria is faced with some teething problems, but it promised with time, relative political stability, direct foreign investment, improved economical atmosphere, improved social services and technological development more than ever witnessed in the country. Therefore, a viable framework for Nigeria and Africa would be such that involves the private and public partnership (PPP). This consortium is expected to provide the platform for access to the Internet and popularize the use of e-Payment among other things

Pendekatan konstruktif dalam inovasi pengajaran dan pembelajaran Bahasa Melayu di Kolej Vokasional

Pendekatan konstruktif adalah pendekatan pengajaran dan pembelajaran yang berpusatkan pelajar manakala inovasi pengajaran pula dikaitkan dengan kaedah pengajaran yang terbaru demi mengukuhkan pemahaman pelajar. Pembelajaran berasaskan pendekatan konstruktif merupakan elemen yang penting dan perlu difahami oleh guru-guru bagi memantapkan proses pengajaran dan pembelajaran sesuai dengan peredaran masa dan menjayakan proses tranformasi pendidikan negara. Objektif kajian ini dijalankan untuk mengenal pasti pemahaman guru-guru bahasa Melayu berkaitan inovasi, mengenal pasti perbezaan yang wujud antara guru lelaki dan guru perempuan dalam mengamalkan inovasi, pengkaji juga melihat adakah wujud perbezaan antara guru baru dan guru yang sudah berpengalaman dalam aspek mengaplikasikan inovasi serta mengenal pasti kekangan-kekangan yang dialami oleh para guru untuk mengaplikasikan inovasi di sekolah. Seramai 63 orang guru bahasa Melayu dari lapan buah kolej vokasional telah dipilih sebagai responden dalam kajian ini. Data dianalisis menggunakan perisian Winsteps 3.69.1.11 dengan pendekatan Model Pengukuran Rasch. Hasil analisis menunjukkan bahawa guru�guru bahasa Melayu memahami kepentingan inovasi dalam pengajaran dan pembelajaran. Hasil kajian juga menunjukkan guru-guru perempuan lebih banyak menerapkan unsur inovasi dalam pengajaran berbanding guru lelaki. Walaupun begitu, aspek pengalaman tidak menunjukkan perbezaan dari segi pengamalan inovasi sama ada guru baru ataupun guru yang sudah berpengalaman. Pengkaji juga mengenal pasti beberapa kekangan yang dialami oleh guru-guru untuk mengamalkan inovasi ini. Sebagai langkah untuk menangani masalah berkenaan, beberapa cadangan telah dikemukakan oleh pengkaji bagi memastikan guru-guru dapat merealisasikan proses pengajaran berkesan dengan penerapan inovasi mengikut model pendekatan konstruktif. Pengkaji berharap, kajian ini dapat dijadikan sebagai satu panduan kepada pelaksana kurikulum bagi memastikan budaya inovasi sentiasa menjadi amalan dalam kalangan guru demi mengangkat profesionalisme guru di Malaysia