Master's thesis is devoted to the analysis of revocation of licenses from commercial banks. The purpose of writing a master's thesis is to analyze the state of the banking sector from the perspective of reducing the number of valid licenses, suggest possible approaches to determining whether there is evidence of a possible revocation of a license from a credit institution and provide a forward-looking estimate of the further development of the banking sector. During the work, an analysis was made of the state of the banking sector of the country when revoking the license; identified and identified signs that can warn banks from the ban on the conduct of banking operations on the basis of the seven banks in the country, which allowed to assess the impact of revocation of a license for the development of the banking system of the Russian Federation. / Магистерская диссертация посвящена вопросам анализа отзыва лицензий у коммерческих банков. Цель написания магистерской диссертации – на основе анализа состояния банковского сектора с позиции сокращения количества действующих лицензий, предложить возможные подходы к определению наличия признаков возможного отзыва лицензии у кредитной организации и дать прогнозную оценку по дальнейшему развитию банковского сектора. В ходе работы был проведен анализ состояния банковского сектора страны при отзыве лицензии; выявлены и определены признаки, способные предостеречь банки от запрета на осуществление банковских операций на основе рассмотренных 7 банков страны.

The MA thesis "Minimum Legal Drinking Age in the U.S.: A Reasonable Exception to Age of Majority?" examines the U.S. legal limit for consumption of alcohol from the perspective of policies aimed at controlling drunk driving because the minimum drinking age was set to twenty-one - higher than the age of majority - in order to reduce drunk-driving fatalities. The thesis analyzes different aspects of this issue and concludes that the high minimum legal drinking, which constitutes a severe limitation of personal freedom of those aged eighteen to twenty, did not fulfill the expectations with which it was introduced in 1984. The thesis suggests alternatives to the high age limit, and examines how and if they are implemented or what prevents their frequent use. The thesis has four parts: one provides basic facts about drinking, driving, and drunk driving in the U.S. society including the attitudes of the public toward the issue. The following part looks into the legal developments of the drinking age limits and legal challenges to the law arranging the age limit for its supposed unconstitutionality. The third chapter looks at the results of scientific research and suggests ways to deal with drunk driving more efficiently. The last part examines what prevents these more effective measures from being widely...

Consumers of digital contents are empowered with numerous technologies allowing them to produce perfect copies of these contents and distribute them around the world with little or no cost. To prevent illegal copying and distribution, a technology called Digital Rights Management (DRM) is developed. With this technology, consumers are allowed to access digital contents only if they have purchased the corresponding licenses from license issuers. The problem, however, is that those consumers are not allowed to resell their own licenses- a restriction that goes against the first-sale doctrine. Enabling a consumer to buy a digital license directly from another consumer and allowing the two consumers to fairly exchange the license for a payment are still an open issue in DRM research area. This thesis investigates existing security solutions for achieving digital license reselling and analyses their strengths and weaknesses. The thesis then proposes a novel Reselling Deal Signing (RDS) protocol to achieve fairness in a license reselling. The idea of the protocol is to integrate the features of the concurrent signature scheme with functionalities of a License Issuer (LI). The security properties of this protocol is informally analysed and then formally verified using ATL logic and the model checker MOCHA. To assess its performance, a prototype of the RDS protocol has been developed and a comparison with related protocols has been conducted. The thesis also introduces two novel digital tokens a Reselling Permission (RP) token and a Multiple Reselling Permission (MRP) token. The RP and MRP tokens are used to show whether a given license is single and multiple resalable, respectively. Moreover, the thesis proposes two novel methods supporting fair and secure digital license reselling. The first method is the Reselling Deal (RD) method which allows a license to be resold once. This method makes use of the existing distribution infrastructure, RP, License Revocation List (LRL), and three protocols: RDS protocol RD Activation (RDA) protocol, and RD Completion (RDC) protocol. The second method is a Multiple License Reselling (MLR) method enabling one license to be resold N times by N consumers. The thesis presents two variants of the MLR method: RRP-MR (Repeated RP-based Multi-Reselling) and HC-MR (Hash Chain-based Multi-Reselling). The RRP-MR method is designed such that a buyer can choose to either continue or stop a multi-reselling of a license. Like the RD method, the RRP-MR method makes use of RP, LI, LRL, and the RDS, RDA, and RDC protocols to achieve fair and secure reselling. The HC-MR method allows multiple resellings while keeping the overhead on LI at a minimum level and enable a buyer to check how many times a license can be further resold. To do so, the HC-MR utilises MRP and the hash chain cryptographic primitive along with LRL, LI and the RDS, RDA and RDC protocols. The analysis and the evaluation of these three methods have been conducted. While supporting the license reselling, the two methods are designed to prevent a reseller from (1) continuing using a resold license, (2) reselling a non-resalable license, and (3) reselling one license a unauthorised number of times. In addition, they enable content owners of resold contents to trace a buyer who has violated any of the usage rights of a license bought from a reseller. Moreover, the methods enable a buyer to verify whether a license he is about to buy is legitimate for re-sale. Furthermore, the two methods support market power where a reseller can maximise his profit and a buyer can minimise his cost in a reselling process. In comparison with related works, our solution does not make use of any trusted hardware device, thus it is more cost-effective, while satisfying the interests of both resellers and buyers, and protecting the content owner's rights.