By leveraging smart-cards as a bearer of user credentials for legacy applications the security of these systems can be greatly increased. In this thesis a solution to the problem of legacy applications only allowing username-password authentication is proposed. Storing user-data encrypted on the card and automatically serving it to the required application allows for automatically generated passwords to be used. The backbone of this system is developed. This solution is then analyzed and found to result in a significantly increased level of security. / Genom att använda smartakort som bärare av användarnamn och lösenord för gamla "legacyapplikationer" så kan man drastiskt öka säkerheten i dessa system. I detta examensarbete så läggs ett förslag på lösning till problemet att äldre applikationer enbart tillåter autentisering genom användarnamn.lösenord. Genom att lagra användardata på ett enkrypterat utrymme i ett smartkort för att sedan automatiskt mata in detta i den berörda applikationen så tillåts starkare, ej användarvänliga, lösenord att användas. Grunden till detta system utvecklas och en säkerhetsanalys utförs. Detta visar på en kraftig förbättring av säkerheten gentemot dessa system.

Выпускная квалификационная работа (магистерская диссертация) посвящена исследованию деятельности коммерческих банков на рынке банковских карт. Предметом исследования является деятельность коммерческих банков с банковскими картами в Российской Федерации и проблемы их развития. Основной целью магистерской диссертации является углубленный анализ функционирования коммерческих банков с банковскими картами, а также исследование современных проблем развития данного финансового института и путей их решения. В заключении изложены основные выводы, полученные в работе, и проведено соотнесение достигнутых результатов с целями и задачами работы, поставленными во введении. / The final qualification work (master's thesis) is devoted to the study of the activities of commercial banks in the bank card market. The subject of the study is the activities of commercial banks with bank cards in the Russian Federation and the problems of their development. The main goal of the master's thesis is an in-depth analysis of the functioning of commercial banks with bank cards, as well as a study of modern problems of the development of this financial institution and ways to solve them.In the conclusion, the main conclusions obtained in the work are presented, and the results achieved are compared with the goals and objectives of the work set out in the introduction.

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The 2015 mandate of Europay MasterCard and Visa (EMV) “chip card” technology in the U.S. left the payments market primed for the adoption of alternative technologies. The goal of this study is to determine the factors that contribute to the adoption of new, alternative payment technologies by integrating the Technology Acceptance Model (TAM) and Switching Cost Theory and operationalizing both theories in a consumer context. Through a survey of 210 chip card and mobile payment users, this study finds the TAM dimensions of self-efficacy, perceived usefulness, and social influence are key determinants of a user’s propensity to use a new technology in a mandated consumer context and introduces switching costs as an important antecedent to a consumer’s likelihood to use an alternative payment technology. More generally, this work integrates those theories to gain insight into how industry mandates influence user behavior with regards to consumer acceptance of alternative technologies. / Business Administration/Interdisciplinary

The problem involved in this study is to determine the progress in the last decade of a representative number of elementary schools of Texas in their methods of reporting child growth to parents.

Submitted by Adriana Alves Rodrigues (aalves@espm.br) on 2018-10-04T16:08:42Z No. of bitstreams: 1 tabata_alves_ferreiravfinal_capa.pdf: 1312792 bytes, checksum: e19b9bf15fa909eb53b94f79214c0868 (MD5) / Approved for entry into archive by Adriana Alves Rodrigues (aalves@espm.br) on 2018-10-04T16:09:08Z (GMT) No. of bitstreams: 1 tabata_alves_ferreiravfinal_capa.pdf: 1312792 bytes, checksum: e19b9bf15fa909eb53b94f79214c0868 (MD5) / Approved for entry into archive by Debora Cristina Bonfim Aquarone (deborabonfim@espm.br) on 2018-10-04T18:47:06Z (GMT) No. of bitstreams: 1 tabata_alves_ferreiravfinal_capa.pdf: 1312792 bytes, checksum: e19b9bf15fa909eb53b94f79214c0868 (MD5) / Made available in DSpace on 2018-10-04T18:47:37Z (GMT). No. of bitstreams: 1 tabata_alves_ferreiravfinal_capa.pdf: 1312792 bytes, checksum: e19b9bf15fa909eb53b94f79214c0868 (MD5) Previous issue date: 2018-05-24 / The dynamics of the payment card market is linked to a number of factors, including socioeconomic and institutional factors, in this work expressed by the economic and government regulation of countries. Because it is an industry subject to market, government interventions tend to be necessary for better functioning of the sector. The objective of this study is to study the relationship between and government regulation with the development of the countries: Argentina, Brazil, Chile, Colombia, Mexico and Peru. The method of adopted is based on a panel data regression model. The bases used are from secondary data extracted from The Heritage Foundation and Euromonitor International, as well as information collected from the Central Banks and electronic media of these countries, between 2002 and 2016. The results obtained with the fixed effects model allow us to conclude that the variables Socioeconomic variables, per capita GDP and Gini index have statistical significance and affect payment card transactions in the countries studied here, the institutional variables "Economic Freedom (EF)", "Government Regulation (REG), have no effect on the growth of card transactions in the countries studied during the period considered in this analysis. / A dinâmica do mercado de cartões de pagamento está ligada a diversos fatores, incluindo socioeconômicos e institucionais, nesse trabalho expressos pela liberdade econômica e regulação governamental dos países. Por se tratar de uma indústria sujeita a falhas de mercado, intervenções governamentais tendem a ser necessárias para um melhor funcionamento do setor. O objetivo desse trabalho é estudar a relação entre liberdade econômica e regulação governamental com o desenvolvimento do mercado de cartões de pagamento dos países: Argentina, Brasil, Chile, Colômbia, México e Peru. O método de pesquisa adotado baseia-se em um modelo de regressão de dados em painel. As bases utilizadas são de dados secundários extraídos da The Heritage Foundation e da Euromonitor International, assim como informações coletadas dos Bancos Centrais e das mídias sociais eletrônicas desses países, no período entre 2002 e 2016. Os resultados obtidos com o modelo de efeitos fixos permitem concluir que as variáveis socioeconômicas PIB Per Capita e Índice de Gini têm significância estatística e afetam o crescimento das transações com cartões de pagamento nos países aqui estudados, porém as variáveis institucionais “Liberdade Econômica (EF)”, “Regulação Governamental (REG), não apresentam nenhum efeito sobre o crescimento das transações com cartões de pagamento nos países estudados durante o período considerado nessa análise.

Made available in DSpace on 2014-12-17T15:46:59Z (GMT). No. of bitstreams: 1 BrunoEGG_TESE.pdf: 2215931 bytes, checksum: 5d86c012a04f884e6dec73c92c1d88ef (MD5) Previous issue date: 2012-06-01 / Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior / Smart card applications represent a growing market. Usually this kind of application manipulate and store critical information that requires some level of security, such as financial or confidential information. The quality and trustworthiness of smart card software can be improved through a rigorous development process that embraces formal techniques of software engineering. In this work we propose the BSmart method, a specialization of the B formal method dedicated to the development of smart card Java Card applications. The method describes how a Java Card application can be generated from a B refinement process of its formal abstract specification. The development is supported by a set of tools, which automates the generation of some required refinements and the translation to Java Card client (host) and server (applet) applications. With respect to verification, the method development process was formalized and verified in the B method, using the Atelier B tool [Cle12a]. We emphasize that the Java Card application is translated from the last stage of refinement, named implementation. This translation process was specified in ASF+SDF [BKV08], describing the grammar of both languages (SDF) and the code transformations through rewrite rules (ASF). This specification was an important support during the translator development and contributes to the tool documentation. We also emphasize the KitSmart library [Dut06, San12], an essential component of BSmart, containing models of all 93 classes/interfaces of Java Card API 2:2:2, of Java/Java Card data types and machines that can be useful for the specifier, but are not part of the standard Java Card library. In other to validate the method, its tool support and the KitSmart, we developed an electronic passport application following the BSmart method. We believe that the results reached in this work contribute to Java Card development, allowing the generation of complete (client and server components), and less subject to errors, Java Card applications. / As aplica??es para smart cards representam um mercado que cresce a cada ano. Normalmente, essas aplica??es manipulam e armazenam informa??es que requerem garantias de seguran?a, tais como valores monet?rios ou informa??es confidenciais. A qualidade e a seguran?a do software para cart?es inteligentes pode ser aprimorada atrav?s de um processo de desenvolvimento rigoroso que empregue t?cnicas formais da engenharia de software. Neste trabalho propomos o m?todo BSmart, uma especializa??o do m?todo formal B dedicada ao desenvolvimento de aplica??es para smart cards na linguagem Java Card. O m?todo descreve, em um conjunto de etapas, como uma aplica??o smart card pode ser gerada a partir de refinamentos em sua especifica??o formal. O desenvolvimento ? suportado por um conjunto de ferramentas, automatizando a gera??o de parte dos refinamentos e a tradu??o para as aplica??es Java Card cliente (host) e servidora (applet). Ressalta-se que o processo de especifica??o e refinamento descrito no m?todo foi formalizado e verificado utilizando o pr?prio m?todo B, com o aux?lio da ferramenta Atelier B [Cle12a]. Destaca-se que a aplica??o Java Card ? traduzida a partir do ?ltimo passo de refinamento, denominado de implementa??o. A especifica??o dessa tradu??o foi feita na linguagem ASF+SDF [BKV08]. Inicialmente, descreveu-se as gram?ticas das linguagens B e Java (SDF) e, em uma etapa posterior, especificou-se as transforma??es de B para Java Card atrav?s de regras de reescrita de termos (ASF). Essa abordagem foi um importante aux?lio durante o processo de tradu??o, al?m de servir ao prop?sito de document?lo. Cumpre destacar a biblioteca KitSmart [Dut06, San12], componente essencial ao m?todo BSmart, que inclui modelos em B de todas as 93 classes/interfaces da API Java Card na vers?o 2:2:2, dos tipos de dados Java e Java Card e de m?quinas que podem ser ?teis ao especificador, mas que n?o est?o presentes na API padr?o. Tendo em vista validar o m?todo, seu conjunto de ferramentas e a biblioteca KitSmart, procedeu-se com o desenvolvimento, seguindo o m?todo BSmart, de uma aplica??o de passaporte eletr?nico. Os resultados alcan?ados neste trabalho contribuem para o desenvolvimento smart card, na medida em que possibilitam a gera??o de aplica??es Java Card completas (cliente e servidor) e menos sujeitas a falhas.

This thesis presents the work of developing and testing a programming tool specially designed for children. The purpose of this tool is to make children capable of creating visual simulations and games that consist of actors interacting in a virtual world. The name of the programming tool is Behavior Cards, which comes from the fact that actors are programmed by giving them cards representing different kinds of behaviors. Behaviors are to some extent pre-programmed and can include general events specifying how the actors should act in different situations, in contrast to specifying every possible situation that can occur. The idea is that Behavior Cards should be easier to use than a more traditional text based programming tool, but it should also be expressive within the domain of visual games. These goals can be accomplished by using different types of representations – such as icons, symbols and text – combined with an interaction technique based on direct manipulation of objects. Two versions of Behavior Cards have been developed and tested together with 11-year-old children. The results show that behaviors were useful for programming relatively advanced visual programs in a quick and effective manner, and that the children were able to learn and use the concept for creating simple programs. Further studies are needed to examine if children also can analyze and solve more complex programming problems. / Arbetet som den här uppsatsen beskriver omfattar utveckling och testning av ett programmeringsverktyg för barn. Syftet med verktyget är att barn ska kunna skapa visuella simulationer och spel genom att programmera aktörer som agerar och interagerar med varandra i en värld. Programmeringsverktygets namn är Behavior Cards, vilket kommer av att aktörernas agerande programmeras genom att tilldela dem kort som representerar olika typer av beteenden. Beteenden är till viss del förprogrammerade och kan innehålla generella händelser för hur aktörer ska agera i olika situationer, i motsats till att definiera varje tänkbar situation som kan uppkomma. Tanken är att programmerandet ska vara enklare än med traditionella, textbaserade, programmeringsspråk, men samtidigt kraftfullt inom den specifika domänen. Detta kan åstadkommas genom att använda olika typer av representationer – såsom ikoner, symboler och text – i kombination med en interaktionsteknik baserad på direktmanipulation av objekt. Två prototyper av programmeringsverktyget har utvecklats och testats på barn i 11-årsåldern. Resultaten visar att beteenden är tillämpbart för att programmera relativt avancerade visuella program på ett snabbt och effektivt sätt, och att barnen kunde lära sig och använda konceptet för att skapa enkla program. Det krävs dock fördjupade studier för att ta reda på om barn kan analysera samt lösa mer komplexa programmeringsproblem.