Prototyping Web-Based SmartFlow Multi-Application System Using Smart Card Technology

Smart cards can be used in electronic commerce for providing personal security, stored value and mobility. This paper explores the areas where smart cards are becoming a critical enabler for electronic commerce, and also discusses the short-term barriers to the widespread adoption of smart cards. The important influences in terms of standards, working groups and the actions of major players in the smart card arena are also highlighted.

"Simple" electronic commerce applications, such as online ordering of books, online scheduling and booking of flights, and online banking have found widespread deployment and acceptance. More complex electronic commerce applications, however, such as the online use of highly specialized computational packages and online cooperative design are not gaining market momentum yet. We attribute this to the lack of a common computational infrastructure specifically targeting the integration of heterogeneous information services that specifically address the requirements of evolving electronic commerce applications. We have built a computational infrastructure to address these issues and present a thorough account of the lessons learned from the design, the implementation, and the deployment of this infrastructure for several online applications.

While the emergence of the digital economy is undoubtedly creating exciting opportunities for Asian countries and it is a popular prediction that smart cards would be the next technological transition, the upheaval associated with them is producing profound changes and challenges. Attracted either by business reasons or mass dataveillance efficiency, some Asian countries, including South Korea and Taiwan, have initiated governmental projects to implement full scale smart card based national ID schemes for the past several years. For the present these governmental projects have either been delayed or canceled.Based upon an account as to how the smart card based national ID system projects in Taiwan and South Korea failed to succeed under strong protests, this paper elaborates why the scheme seems to become a particularly favored strategy for some Asian governments, especially those who already have national ID card systems in place for several decades, to adopt in vitalizing or escalating their electronic commerce. It is followed by an analysis on how this kind of projects could be examined through the lens of achieving long-term success of digital economy and preserving online privacy. We conclude that before we have a sensible argument about the future technological and legal architecture of electronic commerce, public values such as privacy protection should be preserved, as they contribute to electronic commerce significantly in the long run.

Due to the technological revolution in financial sector, the transactions in banking system have undergone a tremendous change. Customers have showed their preference over the usage of the plastic money generally over a period of time. Plastic money is an alternative to the cash or the standard 'money'. Plastic money refers to the credit cards or the debit cards that is used to make purchases .Various other types of plastic cards provided by banks in Bangladesh are ATM cards, Smart cards. The current study presents an overview of the development of banking in the plastic cards usage trends since these have been introduced in Bangladeshi banking sector. The study also highlights the problems faced by the users of these cards as electronic payment tool. The Study is been carried out by taking a survey of 68 respondents by non probabilistic convenience sampling method from the city of Dhaka by using structured questionnaire and interview technique. The factors for adoption of plastic money in replacement of cash and paper money have been identified which shows the preference of the customers for plastic cards over the cash and paper money. Some future plans made by various banks and institutions for avoiding the frauds arisen due to the credit and debit cards are also been discussed in a way that it depicts the picture of its future growth and prospects in Bangladesh.

In the latter, each receiver owns a secret private key and a publishable public key. In public-key cryptography, the sender finds the receiver's public key and uses it to encrypt the message, where as the receiver uses the private key to decrypt the message. Non-electronic payment methods (such as, using cash, writing a cheques, sending a money order, or giving your credit card number over the telephone) have several limitations in e-commerce environment. First, cash cannot be used for transactions because there is no face-to-face contact. They may be physically stolen or someone may steal our credit card number (from a receipt, over the phone, or from a Web site) and use our card to rack up debts. Credit cards can make life easier and be a great tool, but if they aren't used wisely they can become a huge financial burden. In this case, customer uses website provided by the bank. Customer logins to the bank's website and registers another bank account. He/she then places a request to transfer certain amount to that account. Online debit cards are considered superior because the PIN system has more security than signature system, which is used in offline debit cards. Smart cards are similar to credit cards and debit cards, except they store information on an embedded chip instead of on a magnetic strip on the back. Although credit cards dominate online payments today, electronic cash shows promise for the future.

WWW+smart card: towards a mobile health care management system

Electronic Commerce (EC) signifies a fundamental shift in how organizations operate, interact, and compete. Decision making is a common thread underlying all EC transactions, shaping all activities in a value chain/supply chain, and feeding off of EC information exchanges. Supporting this decision-making is an important aspect of EC. The overwhelming success of the Internet has opened uncharted opportunities for all organizations to use this technology as a basis for Web-oriented decision support systems(WODSSs). Here, we explore decision support applications that are emerging all along the EC frontier, focusing on those that are delivered across the WWW. This includes the positioning of decision support within the EC realm, a survey of decision support initiatives on the WWW, and the introduction of three taxonomies for guiding study and research: a Subject-Oriented Taxonomy for studying WODSSs used in EC in terms of the subjects about which they can provide knowledge; a Technique-Oriented Taxonomy by which a WODSS is viewed in terms of the knowledge-management technique employed to implement it; and a Coordination-Oriented Taxonomy which deals with the coordination of distributed components of a WODSS. In conclusion, we present some observations about avenues for future research and development of decision support applications in EC.

The paper aims at investigating the interplay existing between Electronic Commerce (EC) technologies, knowledge and Knowledge Management (KM), an issue that has raised attention in the academic and professional literature in recent times. To this end, a careful examination of the logic and working mechanisms of MOMIS is conducted, a semi-automatic framework for integrating information coming from heterogeneous sources that is under development at the Department of Information Engineering of the University of Modena e Reggio Emilia. In particular, the use of MOMIS to create virtual catalogues (i.e. EC instruments that dynamically retrieve information from multiple heterogeneous sources) is discussed in depth from a knowledge-based point of view. The analysis seems to confirm that EC and KM are not unrelated managerial issues, but rather that they can (and must) be beneficially integrated. More specifically, it seems possible to state that a better and more accurate understanding of knowledge management processes are essential to design and realise more effective EC applications.

Ting-Peng Liang is National Chair Professor in Information Systems and Director of the Electronic Commerce Research Center of National Sun Yat-sen University in Taiwan. He received his Ph.D. from the Wharton School of the University of Pennsylvania. Prior to joining his current university in 1 993, he taught at the University of Illinois and Purdue University. At National Sun Yat-sen University, he has served as the Dean of the College of Management (1994-97) and University Provost (1999-2002). His research has been published in Journal of Management Information Systems, MIS Quarterly, Management Science, Operations Research, Decision Support Systems, Information and Management, and many other academic journals. Professor Liang's primary research interests include electronic commerce, knowledge management, intelligent systems, and strategic applications of information systems. He has served on the editorial boards of several journals, including Decision Support Systems, International Journal of Electronic Commerce, Industrial Management and Data Systems, and Electronic Commerce Research and Applications, among others. He is a fellow of the AIS and a member of ACM, INFORMS, and IEEE Computer Society.

People use their personal computers, laptops, tablets and smart phones to digitally sign documents in company’s websites and other online electronic applications, and one of the main cybersecurity challenges in this process is trusted digital signature. While the majority of systems use password-based authentication to secure electronic signature, some more critical systems use USB token and smart card to prevent identity theft and implement the trusted digital signing process. Even though smart card provides stronger security, any weakness in the terminal itself can compromise the security of smart card. In this paper, we investigate current smart card digital signature, and illustrate well-known basic vulnerabilities of smart card terminal with the real implementation of two possible attacks including PIN sniffing and message alteration just before signing. As we focus on second attack in this paper, we propose a novel mechanism using time-based digital signing by smart card to defend against message alteration attack. Our prototype implementation and performance analysis illustrate that our proposed mechanism is feasible and provides stronger security. Our method uses popular timestamping protocol packets and does not require any new key distribution and certificate issuance.

Electronic commerce on the Internet has become exceedingly dynamic and inter-organizational in recent times. Interorganizational workflow management system has become an important paradigm for business-to-business electronic commerce applications. The modeling of interorganizational business processes is a challenging task, due to the high degree of autonomy and heterogeneity of the cooperative organizations. A number of standardization initiatives are working on standards for modeling languages that can be employed under interorganizational environments. This paper presents a formal specification methodology for interorganizational workflow modeling which is founded upon the pi-calculus process algebra. This method works well for characterizing the behaviors and interactions of the workflow processes that belong to different organizations in terms of the semantics of pi-calculus. Experimental results show that the proposed method works well for the modeling of electronic commerce systems under interorganizational environments.

E-banking services are replacing traditional services and creating a new scale in transformation. The different e-channels like ATMs, Credit & Debit Cards, Tele-banking, Mobile-banking, Online-banking, Smart Cards etc., are changing the face of the Indian banks. In the post-reforms period, Indian banking is passing through crucial stages. There is a paradigm shift in different parameters of transformation. Banks are on the verge of major changes,and the single largest force behind this transformation is Information Technology (IT). IT further intensifies competition, ensures better efficiency of operations, risk management etc. The first and foremost set of application of IT that could benefit from technology advances, relates to payment system. Due to the technology advancements, efficiency of the banks has improved especially with respect to quality, timely delivery of services at affordable cost. In a study it is examined that retail banking and ATMs are improving the efficiency of banks. (Justin Paul 2006).

Relational Transducers for Electronic Commerce

Identity authentication has become an essential component for access control in the Internet of Things (IoT) environment. To overcome the inherent weakness of password-based authentication, many present IoT devices (e.g., commercial banking smart cards) are equipped with the fingerprint authentication mechanism. However, due to the resource constraints of IoT devices, oversimplified authentication schemes are deployed, which compromise system performance significantly. Moreover, fingerprint templates in these existing schemes are unprotected. To address these issues, we propose an IoT-oriented privacy-preserving fingerprint authentication system. The proposed system is composed of four main components: 1) minutiae extraction; 2) the minutia cylinder-code (MCC)-based cancelable binary template, generated by the proposed normalized random projection; 3) the lightweight, privacy-preserving template, built by novel pairwise Boolean operations; and 4) fingerprint matching. Our system can effectively mitigate preimage and hill-climbing attacks. A prototype of the proposed system is developed using a popular open-source platform (i.e., Open Virtual Platforms). Comprehensive experimental results on eight benchmark data sets validate the effectiveness of the proposed IoT-oriented fingerprint authentication system. Our system also achieves equivalent authentication accuracy to that of the unprotected fingerprint authentication systems deployed in the resource-rich, non-IoT environment. More importantly, our system prototype is deployable to commercially available low-cost smart cards, such as Atmel AT24C256C Memory Smart Card 256K Bits. To the best of our knowledge, the proposed system is the first privacy-preserving, cancelable fingerprint authentication system developed in such a resource-constrained IoT setting.

Combating Cyber-Fraud in a Cashless Economy: The Role (Relevance) of Biometric System