A new untraceable off-line electronic cash system

Eslami, Ziba; Talebi, Mehdi

doi:10.1016/j.elerap.2010.08.002

Cited by 54 publications

(35 citation statements)

References 15 publications

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“…To date, the most detailed academic attention on money, and to a lesser extent digital money, has come from anthropology (Maurer, 2006;Parry & Bloch, 1989), sociology (Dodd, 1994;Simmel, 1990), and history (Eagleton & Williams, 2011;Ferguson, 2012). Other academic attention has either focused on regulatory (Freedman, 2000;Rogers, 2006) or technical (Eslami & Talebi, 2011;Juang, 2007) aspects, or on the social benefits of particular digital money technologies (Jack & Suri, 2011;Morawczynski, 2014). This plethora of differing perspectives, although informative and insightful, does not currently constitute a coherent theoretical basis for research into digital money.…”

Section: Discussionmentioning

confidence: 99%

“…Previous research into mobile money and payments takes a technological systemic approach (Kent, 2012;Mbiti & Weil, 2013;Rochet & Tirole, 2002), as does research into crypto-currencies (Eslami & Talebi, 2011;Juang, 2007). Some scholars have integrated both the technical and broader performance aspects of systems, detailing relevant technical characteristics of a digital money system, such as identifiability of transactions, scalability and consistency, and interoperability, as well as more traditional concerns such as vulnerability, reliability and durability and cost (Misra, Javalgi, & Scherer, 2004).…”

Section: Digital Money Socio-technical Systemmentioning

confidence: 99%

See 1 more Smart Citation

Adoption readiness in service innovation: the case of digital money

Thomas

Vernet

Gann

2016

Industry and Innovation

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One challenge for firms seeking to develop new services is to understand the conditions likely to affect rates of adoption. Understanding relative degrees of "adoption readiness" provides innovators with information to choose market segments and indicates opportunities to influence adoption environments. This paper considers these issues through the case of digital money, a service innovation some claim to have the potential to provide major economic and social benefits. However, there is little research into the adoption readiness of countries upon which firms can base their new service development decisions. Defined as "currency exchange by electronic means", we conceptualize digital money as a socio-technical system, and propose a Digital Money Readiness Index. This composite index integrates institutional, financial, technological, economic, industrial and social attributes to measure adoption readiness. We identify four stages of readiness and systematically analyze the factors that drive under or over adoption of digital money technologies.Key words: Service innovation, digital money, adoption readiness, composite index, cashlessness 3 INTRODUCTIONPerhaps the most influential service innovations shaping history, money has driven wealth creation and socio-economic development. Innovation in the technologies of money has the potential to provide major economic and social benefits. Dodgson, Gann, Wladawsky-Berger, and George (2012) argue that the reduction of time lost in making transactions, or waiting for receipt or confirmation of payments, will improve productivity by removing the "friction" in transactions.Others have emphasized potential social and economic benefits of mobile payments such as M-PESA in developing nations (Jack & Suri, 2011;Morawczynski, 2014). Digital money innovation also offers the possibility of "dis-intermediating" financial systems through removing the requirements for intermediaries to facilitate transactions (Dodgson et al., 2012). The development and adoption of digital money poses a range of questions for innovation studies and for management scholars (Dodgson, Gann, Wladawsky-Berger, Sultan, & George, 2015).A challenge for firms and governments seeking to develop and regulate new service innovations such as digital money is to understand the conditions of adoption in different markets.However, comparisons of service innovation adoption across markets is difficult, as social, economic, political and cultural factors complicate such comparisons (Cooper, 1998;Rogers, 2003). Research comparing service innovations across markets has generally considered firm level new service development rather than national level adoption (see for instance Thakur & Hale, 2013;Yen, Wang, Wei, Hsu, & Chiu, 2012). Digital money adoption probably represents an extreme polar case (Yin, 1984), as the flow of money influences, and is influenced by, a wide range of social and institutional conditions including economic policy, security, ethics, and morality (Eagleton & Williams, 2011;Simmel, 1990)...

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Section: Discussionmentioning

confidence: 99%

Section: Digital Money Socio-technical Systemmentioning

confidence: 99%

Adoption readiness in service innovation: the case of digital money

Thomas

Vernet

Gann

2016

Industry and Innovation

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“…The primitive e-payment system was proposed by Chaum [4], after then many e-payment systems are proposed [3,[5][6][7][8][9][10]. While E-commerce is on its way to make daily life more convenient and easy, the main concerns in any e-payment system are security and privacy of participant and contents.…”

Section: Introductionmentioning

confidence: 99%

A secure and efficient authenticated encryption for electronic payment systems using elliptic curve cryptography

Chaudhry

Farash

Naqvi

et al. 2015

Electron Commer Res

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The use of e-payment system for electronic trade is on its way to make daily life more easy and convenient. Contrarily, there are a number of security issues to be addressed, user anonymity and fair exchange have become important concerns along with authentication, confidentiality, integrity and non-repudiation. In a number of existing e-payment schemes, the customer pays for the product before acquiring it. Furthermore, many such schemes require very high computation and communication costs. To address such issues recently Yang et al. proposed an authenticated encryption scheme and an e-payment scheme based on their authenticated encryption. They excluded the need of digital signatures for authentication. Further they claimed their schemes to resist replay, man-in-middle, impersonation and identity theft attack while providing confidentiality, authenticity, integrity and privacy protection. However our analysis exposed that Yang et al.'s both authenticated encryption scheme and e-payment system are vulnerable to impersonation attack. An adversary just having knowledge of public parameters can easily masquerade as a legal user. Furthermore, we proposed improved authenticated encryption and e-payment schemes to overcome weaknesses of Yang et al.'s schemes. We prove the security of our schemes using automated tool ProVerif. The & Mohammad Sabzinejad Farash improved schemes are more robust and more lightweight than Yang et al.'s schemes which is evident from security and performance analysis.

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“…The blind signatures are timestamped to prevent an attacker from hoarding them for later use [26,30,38]. These timestamps are coarse-grained (e.g., end of the week) to prevent the aggregator from linking signatures to clients.…”

Section: Audit Responsementioning

confidence: 99%

Non-tracking web analytics

Akkuş

Chen

Hardt

et al. 2012

Proceedings of the 2012 ACM Conference on Computer and Communications Security

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Today, websites commonly use third party web analytics services to obtain aggregate information about users that visit their sites. This information includes demographics and visits to other sites as well as user behavior within their own sites. Unfortunately, to obtain this aggregate information, web analytics services track individual user browsing behavior across the web. This violation of user privacy has been strongly criticized, resulting in tools that block such tracking as well as anti-tracking legislation and standards such as Do-Not-Track. These efforts, while improving user privacy, degrade the quality of web analytics. This paper presents the first design of a system that provides web analytics without tracking. The system gives users differential privacy guarantees, can provide better quality analytics than current services, requires no new organizational players, and is practical to deploy. This paper describes and analyzes the design, gives performance benchmarks, and presents our implementation and deployment across several hundred users.

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A new untraceable off-line electronic cash system

Cited by 54 publications

References 15 publications

Adoption readiness in service innovation: the case of digital money

Adoption readiness in service innovation: the case of digital money

A secure and efficient authenticated encryption for electronic payment systems using elliptic curve cryptography

Non-tracking web analytics

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