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Showing 1 to 10 of 11 (0.057 seconds)Spelling suggestions: "subject:"autored value"" "subject:"gatored value""
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Theoretical examination and practical implementation on cryptography algorithms, digital money protocols and related applications.January 1998 (has links)
by Shek Wong. / Thesis submitted in: December 1997. / Thesis (M.Phil.)--Chinese University of Hong Kong, 1998. / Includes bibliographical references (leaves 90-[94]). / Abstract also in Chinese. / Chapter 1 --- Introduction --- p.1 / Chapter 1.1 --- Electronic Commerce --- p.3 / Chapter 1.2 --- Electronic Cash --- p.7 / Chapter 1.3 --- What This Report Contains --- p.9 / Chapter 2 --- Cryptographic Background --- p.11 / Chapter 2.1 --- Euler Totient Function --- p.12 / Chapter 2.2 --- Fermat's Little Theorem --- p.12 / Chapter 2.3 --- Quadratic Residues --- p.12 / Chapter 2.4 --- Legendre Symbol --- p.13 / Chapter 2.5 --- Jacobi Symbol --- p.14 / Chapter 2.6 --- Blum Integer --- p.16 / Chapter 2.7 --- Williams Integer --- p.18 / Chapter 2.8 --- The Quadratic Residuosity Problem --- p.19 / Chapter 2.9 --- The Factorization Problem --- p.20 / Chapter 2.10 --- The Discrete Logarithm Problem --- p.20 / Chapter 2.11 --- One-way Functions --- p.21 / Chapter 2.12 --- Blind Signature --- p.22 / Chapter 2.13 --- Cut-and-choose Methodology --- p.24 / Chapter 3 --- Anatomy and Panorama of Electronic Cash --- p.26 / Chapter 3.1 --- Anatomy of Electronic Cash --- p.26 / Chapter 3.1.1 --- Three Functions and Six Criteria --- p.28 / Chapter 3.1.2 --- Untraceable --- p.29 / Chapter 3.1.3 --- Online and Off-line --- p.30 / Chapter 3.1.4 --- Security --- p.32 / Chapter 3.1.5 --- Transferability --- p.33 / Chapter 3.2 --- Panorama of Electronic Cash --- p.34 / Chapter 3.2.1 --- First Model of Off-line Electronic Cash --- p.34 / Chapter 3.2.2 --- Successors --- p.35 / Chapter 3.2.3 --- Binary Tree Based Divisible Electronic Cash --- p.36 / Chapter 4 --- Spending Limit Enforced Electronic Cash --- p.37 / Chapter 4.1 --- Introduction to Spending Limit Enforced Electronic Cash --- p.37 / Chapter 4.2 --- The Scheme --- p.41 / Chapter 4.3 --- An Example --- p.44 / Chapter 4.4 --- Techniques --- p.47 / Chapter 4.5 --- Security and Efficiency --- p.51 / Chapter 5 --- Interest-bearing Electronic Cash --- p.53 / Chapter 5.1 --- Introduction to Interest-bearing Electronic Cash --- p.53 / Chapter 5.2 --- An Example --- p.55 / Chapter 5.3 --- The Scheme --- p.55 / Chapter 5.4 --- Security --- p.57 / Chapter 5.5 --- An Integrated Scheme --- p.58 / Chapter 5.6 --- Applications --- p.59 / Chapter 6 --- Abacus Type Electronic Cash --- p.61 / Chapter 6.1 --- Introduction --- p.61 / Chapter 6.2 --- Abacus Model --- p.63 / Chapter 6.3 --- Divisible Abacus Electronic Coins --- p.66 / Chapter 6.3.1 --- Binary Tree Abacus Approach --- p.66 / Chapter 6.3.2 --- Multi-tree Approach --- p.57 / Chapter 6.3.3 --- Analysis --- p.69 / Chapter 6.4 --- Abacus Electronic Cash System --- p.71 / Chapter 6.4.1 --- Opening Protocol --- p.71 / Chapter 6.4.2 --- Withdrawal Protocol --- p.74 / Chapter 6.4.3 --- Payment and Deposit Protocol --- p.75 / Chapter 6.5 --- Anonymity and System Efficiency --- p.78 / Chapter 7 --- Conclusions --- p.80 / Chapter A --- Internet Payment Systems --- p.82 / Chapter A.1 --- Bare Web FORM --- p.82 / Chapter A.2 --- Secure Web FORM Payment System --- p.85 / Chapter A.3 --- Membership Type Payment System --- p.86 / Chapter A.4 --- Agent Based Payment System --- p.87 / Chapter A.5 --- Internet-based POS --- p.87 / B Papers derived from this thesis --- p.89 / Bibliography --- p.90
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Investigating consumer expectations for a bankcard service in the South African food and retail industry : a servqual applicationHechter, Tremaine 03 1900 (has links)
ENGLISH ABSTRACT: South Africans have over the past few years called for more affordable banking.
Some retailers have looked at the opportunities and entered into the financial services space. The question remains as to why consumers would want to pay bank charges to have a bankcard when the card is actually used to pay for goods at retailers who can deliver the service themselves at a saving to both the customer and the retailer?
The aim of this study was to determine customer expectations for a bankcard service offering in the South African food and retail industry with the emphasis on consumer behaviour and expectations, bankcards, services and SERVQUAL.
This is a SERVQUAL application and a comprehensive literature of this topic is followed with a questionnaire outlining the expectations for such a service. SERVQUAL measures the gap between expectations and perceptions. In this study only expectations are measured as one of South Africa’s major food retailers was used and they do not offer this service at present.
Various hypotheses were constructed to measure the expectations for attributes around this service. The attributes were trust, safety, cost, loyalty, open-loop versus closed-loop and mobile. Customer preference on payment methods was also determined when paying for different basket sizes. The results showed overwhelming evidence in favour of expectations for a bankcard service offering by retailers.
This research can be used to address the major challenge South Africans and retailers face with high banking charges and address the challenge everyone has with regards to the risk associated with cash handling. Education on this topic is paramount and this could further pave the way for mobile phones replacing bankcards in the future which have also been researched as part of this topic.
Further research is necessary to determine the characteristics of a bankcard product in a retail environment.
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The impact of the Octopus system on journey-to-work behaviour of bus passengers /Yu, Chi-ming. January 1999 (has links)
Thesis (M.A.)--University of Hong Kong, 1999. / Includes bibliographical references.
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The impact of the Octopus system on journey-to-work behaviour of bus passengersYu, Chi-ming. January 1999 (has links)
Thesis (M.A.)--University of Hong Kong, 1999. / Includes bibliographical references. Also available in print.
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Moving towards a cashless era in 2000: design a marketing strategy for Mondex, an electronic cash, in Hong Kong.January 1996 (has links)
by Li Chun-Kit Patrick. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1996. / Includes bibliographical references (leaves [87-90]). / ACKNOWLEDGEMENT --- p.ii / ABSTRACT --- p.iii / TABLE OF CONTENTS --- p.vi / LIST OF TABLES --- p.viii / INTRODUCTION --- p.1 / LITERATURE REVIEW - DEVELOPMENT OF SMART CARD --- p.4 / Terminology --- p.4 / General Application of Smart Card --- p.6 / DESCRIPTION OF MONDEX --- p.14 / History of Mondex --- p.14 / Description of Mondex and Its Accessories --- p.16 / Advantages of Mondex --- p.20 / Disadvantages of Mondex --- p.22 / COMPETITOR ANALYSIS --- p.24 / Maestro --- p.25 / Credit Card --- p.27 / Electronic Payment System (EPS) --- p.29 / RESEARCH METHODOLOGY --- p.35 / Research Objective --- p.35 / Research Design and Method --- p.36 / RESEARCH FINDINGS --- p.39 / Data analysis on the Whole Sample Basis --- p.39 / Data Analysis by Type of Adopter --- p.50 / RECOMMENDATION --- p.58 / Characteristics of Potential Adopters --- p.58 / Product --- p.59 / Promotion --- p.63 / LIMITATION --- p.70 / APPENDIX 1: DIAGRAMS / APPENDIX 2: CHINESE QUESTIONNAIRE / APPENDIX 3: ENGLISH QUESTIONNAIRE / APPENDIX 4: FIGURES / APPENDIX 5: TABLES / BIBLIOGRAPHY
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An empirical evaluation of the effectiveness of Octopus implementation.January 1998 (has links)
by Tse Kwong Keung. / Pages 52-56 and 74 in clear holder. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1998. / Includes bibliographical references (leaf 99). / Questionnaries in English and Chinese. / ABSTRACT --- p.ii / TABLE OF CONTENTS --- p.ii / LIST OF ABBREVIATIONS --- p.v / LIST OF APPENDICES --- p.vi / LIST OF TABLES --- p.vii / LIST OF EXHIBITS --- p.ix / PREFACE --- p.x / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Title of the Project --- p.1 / Terms of Reference --- p.1 / Objective --- p.2 / Chapter II. --- BACKGROUND --- p.4 / Overview of the Octopus System --- p.4 / Overview of the Octopus System Bus Equipment --- p.6 / Fare collection system on LRT Feeder and Auxiliary Bus Routes --- p.9 / Pre-Octopus Fare Collection System --- p.9 / New Fare Collection System with the Introduction of Octopus System --- p.10 / Implementation Measures --- p.11 / Implementation Measures to Prepare Passengers to Use Octopus System on Buses --- p.11 / Implementation measures - CSL --- p.11 / Implementation measures - LRT --- p.13 / Implementation Measures to Prepare Staff to Launch Octopus System on Buses --- p.14 / Chapter III. --- METHODOLOGY --- p.16 / Sources of Information --- p.16 / The Questionnaire Surveys --- p.17 / Questionnaire Survey for LRT Bus Passengers --- p.17 / Questionnaire Survey for LRT Bus Traffic Staff --- p.18 / Data Analysis Tools --- p.19 / Chapter IV. --- FINDINGS --- p.20 / Literature Review --- p.20 / The Systems Development Cycle --- p.20 / The Systems Development Cycle of Octopus System in LRT Buses --- p.24 / Systems Implementation Measures Getting People Ready to Use the New System --- p.25 / Measures of gaining acceptance by passengers and staff --- p.26 / Measures of obtaining passengers and staff performance --- p.29 / Education and training --- p.30 / Performance aids --- p.32 / Findings from Questionnaire Survey for LRT Bus Passengers --- p.33 / Demographic Profile --- p.33 / Effectiveness of Promotion Channels on Octopus Card to Passengers --- p.33 / Number of Trips on LRT Buses Per Week by Respondents --- p.34 / Fare Paying Methods of Respondents --- p.34 / Competence of Respondents in Using Octopus Card on Buses --- p.35 / Most Effective Methods to Educate Passengers on Octopus Card Usage --- p.36 / Findings from Questionnaire Survey for LRT Bus Traffic Staff --- p.36 / Demographic Profile --- p.36 / Personal Computer Experience Prior to Octopus Bus Equipment Training --- p.37 / Evaluation of DDU Operations Training Course --- p.37 / Staff Perceived Level of Competence to Operate the DDU During Octopus System Launching --- p.38 / Measures Proposed by Staff to Enhance Competence to Operate the DDU --- p.39 / Evaluation of BDC Operations Training Course --- p.39 / Staff Perceived Level of Competence to Operate the BDC During Octopus System Launching --- p.40 / Measures Proposed by Staff to Enhance Competence to Operate the BDC --- p.41 / Chapter V. --- CONCLUSIONS AND RECOMMENDATIONS --- p.42 / Strengths of Implementation Measures on Passengers --- p.42 / Weaknesses of Implementation Measures on Passengers --- p.43 / Recommendations of Implementation Measures on Customers --- p.44 / Strengths of Implementation Measures on Staff --- p.46 / Weaknesses of Implementation Measures on Staff --- p.47 / Recommendations of Implementation Measures on Staff --- p.48 / APPENDICES 1-11 --- p.50 / TABLES 1-18 --- p.75 / EXHIBITS 1-6 --- p.93 / BIBLIOGRAPHY --- p.99
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| 7 |
The impact of the Octopus system on journey-to-work behaviour of bus passengersYu, Chi-ming., 余志明. January 1999 (has links)
published_or_final_version / Transport Policy and Planning / Master / Master of Arts
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| 8 |
論現金儲值卡之法律架構及問題分析謝馥薇 Unknown Date (has links)
支付系統是經濟體系中經濟金融交易的基礎，隨著電子資金移轉技術的成熟，以及消費者消費習慣之改變，在可預見的未來，電子貨幣將代領人類邁入無現金的社會。由於電子支付系統的快速發展，若未針對相關制度事先做好配套措施，可能危及整體支付系統及金融體系的穩定。本文建議應仿效歐盟之方式，採事先管制之方式，在電子貨幣的發展初期，即擬定完善管理架構，以期在促進經濟效率的同時，維持一穩定之金融環境。
我國目前對於硬體式電子貨幣僅有「銀行發行現金儲值卡許可及管理辦法」可資規範，且適用上產生許多疑義，因此，本文針對電子貨幣之定義、現金儲值卡之定義，現金儲值卡交易關係中各個當事人之角色定位及法律關係，以及我國目前發展現金儲值卡及現行「銀行發行現金儲值卡許可及管理辦法」產生之疑義作一分析。就我國現行法規適用上之疑義，本文建議應釐清現金儲值卡之本質、規範現金儲值卡之發行機構、並應釐清現行「銀行發行現金儲值卡許可及管理辦法」所謂「多用途」之定義、修正現金儲值卡之法律定義、明定結算及清算機構、釐清儲值卡內之資金之性質、提昇「非銀行不得發行現金儲值卡」規範之法律位階、針對發卡機構之資產品質控管、加強消費者保護之相關規範並訂定現金儲值卡定型化契約範本，以完善我國現行之管理規範。
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以電子支付及第三方支付法制論消費者保護與產業發展 / Research on the legal system of electronic payment and third-party payment for consumer protection and industry development吳東益 Unknown Date (has links)
《電子支付機構管理條例》自2015年2月實施後，陸續有相關子法作為補充。2015年底，金管會目標台灣非現金支付要在5年內達到52%，因此2016年被稱為｢支付元年｣。推廣線上支付最重要的除了市場動向外，莫過於法規的設置，因此本文探討目前的法制是否足以因應如此新興產業的需求，從進入門檻監理、消費者保護與產業發展三大個面向討論現行法規，並剖析是否有檢討之處。
由法制面審視我國對支付產業進入門檻的規定，反映了產業的競爭與發展的機會。而消費者的使用經驗是支付產業最佳的廣告，尤其支付系統多由小額且龐雜的交易組成，一旦紛爭發生，使用者大多自認倒楣，因此具有完備的防止糾紛或詐騙機制、資訊安全規範，產業才能永續發展。 / Since the implementation of the《Law on the Administration of Electronic Payment Institutions》in February 2015, the related regulations have been supplemented one after another. By the end of 2015, Financial Supervisory Commission set the target for non-cash payments in Taiwan to reach 52% of the total transaction within 5 years. So 2016 is called "the first year of payment". The most important thing promoting online payment is not only market trends, but also the establishment of legal system. Therefore, this article examines whether the current legal system is sufficient to meet the needs of such emerging industries, From entry barriers and supervision, consumer protection, industrial development, the three-oriented discussion of existing laws and regulations.
From the legal point of view of Taiwanese payment industry entry barriers, it reflects the competition and development opportunities. The consumer experience is the best advertisement of payment industry. Especially the payment system is composed of small amount and complex transactions, once the dispute occurs, most users claim to be unfortunate.
So there is a comprehensive mechanism to prevent disputes or fraud, information security norms, industry will be sustainable.
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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
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