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The Global ETD Search service is a free service for researchers
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Showing 1 to 3 of 3 (0.06 seconds)Spelling suggestions: "subject:"dobile commerce (mcommerce)"" "subject:"dobile commerce (mscommerce)""
| 1 |
Energy-aware encryption mechanism for m-commerce devicesHamad, F. M. January 2010 (has links)
With the wide spread of mobile phones, PDAs, and Smartphones, M-Commerce has become a major application domain for mobile devices, unlike conventional wired networks, mobile devices allow the user to conduct online transactions regardless of the time and the place as long as there is mobile network coverage. However, online transactions require adequate level of security to insure the confidentiality, the integrity, and the availability of the user’s information. Security measures consume a considerable amount of energy and require more time in processing. The aim of this thesis is to optimise the energy and the resources consumption of mobile phones when applying variant symmetric and asymmetric schemes. This aim can be achieved through developing A System State Security Management Framework, SSSM, which will implement encryption schemes, symmetric and asymmetric, and will provide different options to enable the user to choose the type of encryption, the key size, and number of rounds of computation to optimise the energy consumption level of the mobile phone. This thesis compares the power and the resources consumed by the most commonly used encryption algorithms such as CAST, IDEA, Triple-DES, RSA, and AlGamal. This comparison helps to draw the advantages and disadvantages of each algorithm scheme used in reference to the security level it provides and the power it consumes. Implementing this mechanism will enhance the performance of mobile phones by increasing the security levelsprovided by the encryption schemes and utilising the limited power and resources efficiency. Therefore, confidentiality will be presented in mobile phones and variant encryption schemes, symmetric and asymmetric, and changeable key sizes and rounds, will ensure the authenticity of both senders and recipients depending on their needs as well as resources available. This research makes contributions in two major areas; the first area consists of the novel Energy Aware Encryption polices generated by this work, the second area of contribution is the energy measurements and experimental results which validate the approach presented in the research.
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| 2 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
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.
| vi / Public, Constitutional and International Law / LLD
|
| 3 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
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.
| vi / Public, Constitutional and International Law / LL. D.
|
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