Relevant bibliographies by topics / Payment channels

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Payment channels'

Author: Grafiati
Published: 4 June 2021
Last updated: 25 May 2024

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Journal articles on the topic "Payment channels"

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Guo, Yunwei, Haochen Liang, Liehuang Zhu, and Keke Gai. "Zk-SNARKs-Based Anonymous Payment Channel in Blockchain." Blockchains 2, no. 1 (February 5, 2024): 20–39. http://dx.doi.org/10.3390/blockchains2010002.

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Payment channels serve as an effective solution to the scalability problem of cryptocurrencies, which significantly increase transaction rates by allowing users to conduct large-scale offline transactions off-chain without posting everything to the blockchain. However, the existing payment channels lack privacy protection for the transaction amount and the linking relationship between the two parties to the transaction. Therefore, in order to address the scalability and privacy issues of cryptocurrencies such as Bitcoin, this paper proposes a zk-SNARKs-based anonymous payment channel (zk-APC), which supports an unlimited number of off-chain payments between the payer and the payee and protects the privacy of the participants. Specifically, the proposed scheme achieves relational anonymity and amount privacy for both on-chain and off-chain transactions in the payment channel through utilizing zero-knowledge proof (zk-SNARKs) and commitment schemes. This paper proves that the proposed method is more effective than similar schemes through a performance evaluation.
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Sabara, Edi, and Heriyanto. "SISTEM INFORMASI PEMBAYARAN SPP MENGGUNAKAN VIRTUAL ACCOUNT BERBASIS WEBSITE PADA SEKOLAH IMAM MUSLIM BEKASI." INFOTECH journal 9, no. 1 (February 20, 2023): 62–68. http://dx.doi.org/10.31949/infotech.v9i1.4648.

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Currently, the Imam Muslim School located on Jalan Raya Kranggan Gg Elang IX, Rt 002/Rw 003 Jatiraden, Jatisampurna, Bekasi, is still using manual bookkeeping and payment systems. With payment using a manual system this can make it difficult for students who want to make tuition payments, therefore the author is trying to create an Educational Contribution Payment Information System (SPP) program using a website-based virtual account using the PHP and MySQL programming languages. This system can simplify the process of operational activities in schools in managing tuition payments, reporting and also make it easier for students to make payments. Because payments can be made online through bank channels or modern payment channels such as Indomaret and Alfamart
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Qian, Hangguan, and Lin You. "A Multipath Payment Scheme Supporting Proof of Payment." Wireless Communications and Mobile Computing 2022 (January 4, 2022): 1–7. http://dx.doi.org/10.1155/2022/9911915.

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Blockchain technology has always been plagued by performance problems. Given this problem, many scaling schemes have been put forward. A layer 2 network is a technology that solves the performance problem of blockchain. Connected parties in this network can set up channels to send digital currency to each other. Since the interaction with the blockchain is only required when the channel is established and closed, a large number of transactions do not need to be recorded on the blockchain, thus reducing the blockchain capacity. Due to the special structure of the payment channel, the distribution of funds in the channel is often unbalanced, which limits the route payment to a certain extent. This paper improves the original payment method in the second layer network by introducing new scripts. The new payment scheme supports proof of payment which is integral to the nature of the lightning network and divides the payment into several subpayments, so the large payment can be divided into relatively small payments. Due to the capacity limitation of the payment channel, theoretically, the success rate of the micropayment route is higher. This paper tests the new payment scheme on the simulated network and validates the nature of this solution to have a high routing success rate while supporting proof of payment.
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Gill, Atif Ali, Riaz Hussain Ansari, Zobia Malik, and Muhammad Waseem Tufail. "An Empirical Analysis to Understand Consumer Intention to Use Mobile Payment Platform: The Mediating Role of Trust." Journal of Business and Social Review in Emerging Economies 7, no. 1 (March 31, 2021): 209–17. http://dx.doi.org/10.26710/jbsee.v7i1.1610.

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Money transfer through third-party mobile payment platforms has become common nowadays in western countries. While in developing countries, the adoption of mobile payment channels still at the infancy stage. The current study based on diffusion of innovation theory investigates the antecedents of intention to use mobile payment channels through trust's mediating role. The survey method was used to collect data from the 250 consumers using the mobile payments services of JazzCash and Easypaisa in Pakistan. Partial least square structural equation modeling (PLS-SEM) technique employed to test the collected data statistically. Results found the significant impact of mobility, customization, and security on trust that intends to utilize mobile-payment channels. The current study's findings provide guidelines to the administration of mobile payment systems to improve security features, mobility, and customization that wins customers' trust and is inclined to use mobile payment platform.
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Wu, Banggang, Xiaoyu Deng, and Xuebin Cui. "Cash on delivery or online payment: mobile channel, order size and payment methods." Journal of Contemporary Marketing Science 3, no. 2 (May 26, 2020): 225–42. http://dx.doi.org/10.1108/jcmars-12-2019-0048.

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PurposeThe existing research does not systematically explore customers' option about different payment methods, nor does it analyze how shopping channels and shopping scale affect customers' option about different payment methods. Furthermore, there is a lack of exploration on what the relationship is, and how they are adjusted by customer purchasing experience. The authors’ research questions are: (1) when using different shopping channels in online retailing, whether customers will choose different types of payment methods? (2) Does the purchase amounts affect customers' choice of different payment methods?Design/methodology/approachThis study takes 60,484 customers from JD.com, one of the largest B2C platforms in China, as the research object and collects the purchase data of these customers from October 01, 2012 to December 31, 2013, and analyzes them through panel data models.FindingsBased on their purchase data, the authors find the main results by using panel data model that (1) the use of mobile channel has a positive effect on cash on delivery (COD), implying that when consumers use mobile to purchase, they have a higher possibility to use COD, (2) the order size has a positive effects on COD, that is to say, when the purchase amount increases, the possibility of using COD also increases. (3) Furthermore, when consumers' purchase experience abound, mobile channel's positive effect on COD will be decreased, but it does not affect the positive effect between order size and COD.Originality/valueFrom the aspects of shopping channels, product attributes and customer purchase experience, it fills the gaps in the research on the preselection of payment methods and makes research of payment methods a complete research system. Secondly, this study adds COD to the options of payment method selection. Finally, the moderating effect of customer shopping experience from a dynamic perspective elaborates that customers can learn from multiple purchases and overcome the shopping risks brought by shopping channels, thereby reducing the probability of choosing a COD method.
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Burchert, Conrad, Christian Decker, and Roger Wattenhofer. "Scalable funding of Bitcoin micropayment channel networks." Royal Society Open Science 5, no. 8 (August 2018): 180089. http://dx.doi.org/10.1098/rsos.180089.

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The Bitcoin network has scalability problems. To increase its transaction rate and speed, micropayment channel networks have been proposed; however, these require to lock funds into specific channels. Moreover, the available space in the blockchain does not allow scaling to a worldwide payment system. We propose a new layer that sits in between the blockchain and the payment channels. The new layer addresses the scalability problem by enabling trustless off-blockchain channel funding. It consists of shared accounts of groups of nodes that flexibly create one-to-one channels for the payment network. The new system allows rapid changes of the allocation of funds to channels and reduces the cost of opening new channels. Instead of one blockchain transaction per channel, each user only needs one transaction to enter a group of nodes—within the group the user can create arbitrarily many channels. For a group of 20 users with 100 intra-group channels, the cost of the blockchain transactions is reduced by 90% compared to 100 regular micropayment channels opened on the blockchain. This can be increased further to 96% if Bitcoin introduces Schnorr signatures with signature aggregation.
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Kemal Akkaya, Suat Mercan, and Enes Erdin. "An evaluation of cryptocurrency payment channel networks and their privacy implications." ITU Journal on Future and Evolving Technologies 2, no. 1 (March 15, 2021): 35–44. http://dx.doi.org/10.52953/clbl7402.

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Cryptocurrencies redefined how money can be stored and transferred among users. However, public blockchain-based cryptocurrencies suffer from high transaction waiting times and fees. To address these challenges, the payment channel network concept is touted as the most viable solution to be used for micro-payments. The idea is exchanging the ownership of money by keeping the state of the accounts locally which provides transaction approvals in seconds. Such attention on payment channel networks has inspired many recent studies that focus on how to design them and allocate channels such that the transactions will be secure and efficient. However, as payment channel networks are emerging and reaching a large number of users, privacy issues are becoming more relevant, this raises concerns about exposing not only individual habits but also businesses' revenues. In this paper, we first propose a categorization of the existing payment networks formed on top of blockchain-backed cryptocurrencies. After discussing several emerging attacks on user/business privacy in these payment channel networks, we qualitatively evaluate them based on a number of privacy metrics that relate to our case. Based on the discussions on the strengths and weaknesses of the approaches, we offer possible directions for research for the future of privacy based payment channel networks.
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Delgado-Téllez, Mar, Pablo Hernández de Cos, Samuel Hurtado, and Javier J. Pérez. "The Macroeconomic Impact of Delayed Government Payments: A Case Study." Public Finance and Management 17, no. 2 (June 2017): 152–69. http://dx.doi.org/10.1177/152397211701700203.

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We analyze the impact of a drastic reduction in delayed governments’ payments on private sector activity. We focus on the case of Spain, a country in which a number of policy reforms were implemented to cope with increasing regional and local government payment periods and trade debt. Most noticeably, over 2012–2014 the Spanish central government approved various extraordinary mechanisms for the payment of local and regional government suppliers which have significantly reduced the stock of trade debt and the average supplier payment period of these levels of government. Successive plans have made it possible to unblock payments and channel funds of close to 7% of GDP to the private sector in somewhat less than three years, in a period of economic weakness, fiscal consolidation and tight credit. We explore the variety of channels on which plans of this type may operate through the lens of a macroeconomic model, and present empirical estimates of a positive impact of such policy measures on economic activity.
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Ahmet Kurt, Suat Mercan, Enes Erdin, and Kemal Akkaya. "3-of-3 multisignature approach for enabling lightning network micro-payments on IoT devices." ITU Journal on Future and Evolving Technologies 2, no. 5 (July 23, 2021): 53–67. http://dx.doi.org/10.52953/wzpc8083.

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Bitcoin's success as a cryptocurrency enabled it to penetrate into many daily life transactions. Its problems regarding the transaction fees and long validation times are addressed through an innovative concept called the Lightning Network (LN) which works on top of Bitcoin by leveraging off-chain transactions. This made Bitcoin an attractive micropayment solution that can also be used within certain IoT applications (e.g., toll payments) since it eliminates the need for traditional centralized payment systems. Nevertheless, it is not possible to run LN and Bitcoin on resource-constrained IoT devices due to their storage, memory, and processing requirements. Therefore, in this paper, we propose an efficient and secure protocol that enables an IoT device to use LN's functions through a gateway LN node even if it is not trusted. The idea is to involve the IoT device only in signing operations, which is possible by replacing LN's original 2-of-2 multisignature channels with 3-of-3 multisignature channels. Once the gateway is delegated to open a channel for the IoT device in a secure manner, our protocol enforces the gateway to request the IoT device's cryptographic signature for all further operations on the channel such as sending payments or closing the channel. LN's Bitcoin transactions are revised to incorporate the 3-of-3 multisignature channels. In addition, we propose other changes to protect the IoT device's funds from getting stolen in possible revoked state broadcast attempts. We evaluated the proposed protocol using a Raspberry Pi considering a toll payment scenario. Our results show that timely payments can be sent and the computational and communication delays associated with the protocol are negligible.
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Sopingi, Ety Meikati, and Wijiyanto. "Application of the Rational Unified Process Method in Web Service Development Payment System Integration with Multibank Virtual Accounts." Jurnal E-Komtek (Elektro-Komputer-Teknik) 5, no. 1 (June 29, 2021): 75–88. http://dx.doi.org/10.37339/e-komtek.v5i1.565.

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The Payment System is a series of interconnected components consisting of rules, institutions, and procedures used for money transactions in fulfilling the obligations of economic activities. The Duta Bangsa University of Surakarta is a case study in this research where the student payment system is still a billing system. The faculty finance department gives bills tuition fees to students one by one. Moreover, it determines the bank used for payments. It resulted in quite many queues when filling out the study plan card (KRS) and exams. This research aims to produce a web service application and standardization with good performance in the payment process at Duta Bangsa University through virtual accounts from various banks and payment channels. The method used to achieve the authors' goals in this study is the Rational Unified Process (RUP) method. The research result is a web service application that can make invoices, inquiries, payments, and reversals of various bank payment channels. The User Acceptance Test results show a very agreeable value of 94.17%, so that the web service is feasible for the production version application. While testing the response time to measure performance for 7 (seven) days, the average response time was 0.49809 seconds.
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Dissertations / Theses on the topic "Payment channels"

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Mörtberg, Fredrik. "Evaluation of Payment Channels for Bitcoin Exchange Inflows and Outflows." Thesis, Umeå universitet, Institutionen för datavetenskap, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-149692.

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With increasing popularity, the scalability of blockchain-based crypto-currencies becomes an urgent concern. Bitcoin, among other crypto-currencies, have known limitations in transaction throughput and speedbut no agreed upon solution. Many of the proposals increasing throughput also increase the load on the Bitcoin network. Lightning is a proposal enabling payments to be conducted without affecting the Bitcoin network. Lightning is a protocol using payment channels to enable instant and cheap payments using the blockchain for security. With Lightning, payments can be sent through a network of nodes connected by payment channels. In this thesis, the current state of Lightning is explored and an evaluation for use on Bitcoin exchanges is performed. The usability, privacy and security of Lightning are the topics evaluated. In order to evaluate the usability, an exchange interface application was built allowing deposits and withdrawals using Lightning. The protocol specification and relevant literature are examined in order to evaluate the security and privacy of Lightning. The exchange interface showed that Lightning can be integrated into an exchange and provide a fast and cheap way to deposit and withdraw money for clients. In this paper some integration designs are proposed and ways to improve the client user experience are discussed. The Lightning node implementations need to mature a bit before real usage and there are some security issues that also need to be considered. With monitoring and network analysis the privacy can be compromised.
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Fontes, Rebello Gabriel Antonio. "Payment Channel Networks with Resource-constrained Devices." Electronic Thesis or Diss., Sorbonne université, 2023. http://www.theses.fr/2023SORUS254.

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Les réseaux de canaux de paiement (Payment Channel Networks - PCN) représentent la principale solution pour mettre les paiements basés sur la blockchain à l'échelle des systèmes de paiement centralisés. Cependant, les PCN actuels nécessitent que les nœuds restent en ligne en permanence et disposent de suffisamment de ressources pour exécuter les mécanismes de sécurité des paiements. De telles hypothèses sont difficiles à garantir dans des appareils alimentés par batterie avec des modèles de connectivité intermittente, tels que les téléphones mobiles, les objets connectés et les capteurs. Dans cette thèse, nous abordons le cas des PCN avec des appareils à ressources limitées sur plusieurs fronts. Tout d'abord, nous formalisons un modèle de PCN hybride qui prend en compte les nœuds légers et proposons un mécanisme pour protéger les canaux de paiement avec des appareils à ressources limitées. Nos expériences montrent que le mécanisme proposé est efficace pour les appareils avec une disponibilité élevée et moyenne dans les connexions mobiles à large bande. Ensuite, nous proposons PCNsim, un simulateur qui reproduit les principales fonctionnalités d'un PCN dans le cadre du simulateur de réseaux OMNeT++. PCNsim permet aux chercheurs d'expérimenter avec des paiements dans des conditions de réseau personnalisées représentant des connexions d'appareils à ressources limitées. Les démonstrations de PCNsim montrent qu'il reproduit correctement le comportement d'un PCN sur des canaux de communication peu fiables. Enfin, nous abordons le problème du routage des paiements à partir d'appareils à ressources limitées. Nous présentons un schéma de paiement qui anticipe les confirmations de paiement pour les applications sensibles au temps et deux algorithmes de routage qui routent les paiements en tenant compte des contraintes spécifiques à l'application. Les résultats montrent que nos algorithmes de routage sont efficaces à la fois pour les paiements à un seul chemin et à plusieurs chemins et atteignent leur meilleure performance lorsque les contraintes du problème sont strictes
Payment-channel networks (PCN) represent the leading solution to scale blockchain-based payments to the performance levels of centralized payment systems. However, current PCNs require nodes to stay permanently online and have enough resources to execute payment security mechanisms. Such assumptions are difficult to guarantee in battery-powered devices with intermittent connectivity patterns, such as mobile phones, smart objects, and sensors. In this thesis, we address the case of PCNs with resource-constrained devices on several fronts. First, we formalize a hybrid PCN model that considers light nodes and propose a mechanism to protect payment channels with resource-constrained devices. Our experiments show that the proposed mechanism is efficient for devices with high and medium availability in mobile broadband connections. Next, we propose PCNsim, a simulator that replicates the main functionalities of a PCN in the OMNeT++ framework. PCNsim allows researchers to experiment with payments under custom networking conditions representing resource-constrained devices' connections. PCNsim's demonstrations show that it correctly replicates the behavior of a PCN over unreliable communication channels. Finally, we address the problem of routing payments from resource-constrained devices. We present a payment scheme that anticipates payment confirmations for time-sensitive applications and two routing algorithms that route payments considering application-specific constraints. The results show that our routing algorithms are efficient both for single-path and multi-path payments and reach their top performance when the problem's constraints are tight
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Tallaros, Andrea Elia. "B-Mule: A Blockchain based Secure Data Delivery Service." Master's thesis, Alma Mater Studiorum - Università di Bologna, 2021. http://amslaurea.unibo.it/24899/.

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Trying to modernize rural areas of the globe should be considered an important achievement. Nowadays being able to have an internet connection can prove life-saving. Although technological progress made sure to make the latter accessible to almost anyone, there are places that are hard to reach. The B-Mule project aims to bring messaging services to rural areas that cannot or do not have access to the internet. A data mule that can provide useful and trustworthy services to people inhabiting those areas in order for them to be able to communicate with the outer world without having actual access to the net. The aim of this work is to display the feasibility of creating a data delivery service (MULE) with the aid of blockchain technology. In particular, the ideal goal would be to launch the service on the Ethereum network. The reason for using the aforementioned technology is that we try to take advantage of the fact that data on the blockchain is immutable and thus, creating a delivery service that is natively tamper-proof would have a positive outcome in how data is delivered around the world.
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CONOSCENTI, MARCO. "Capabilities and Limitations of Payment Channel Networks for Blockchain Scalability." Doctoral thesis, Politecnico di Torino, 2019. http://hdl.handle.net/11583/2764132.

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Pietrucci, Giovanni. "Un sistema di micropagamenti su piattaforma Ethereum per il wireless roaming." Bachelor's thesis, Alma Mater Studiorum - Università di Bologna, 2020. http://amslaurea.unibo.it/20608/.

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Questo progetto di tesi tratta le tematiche relative al mondo della blockchain adottato da applicazioni decentralizzate. Nello specifico viene progettato e analizzato un sistema di gestione di microtransazioni applicato a un modello simulato in cui un utente attraverso il proprio device può connettersi a pagamento alla rete Wi-Fi di un router. L'alta richiesta di transazioni mette in luce uno dei problemi principali dei pagamenti decentralizzati tramite criptovalute, ossia il problema della scalabilità relativo al grande numero di transazioni al secondo. Tale progetto propone una soluzione tramite payment channel per ridurre le richieste, spostando queste ultime fuori dalla blockchain adottando un sistema messaggistico a multi firma per proteggere e convalidare i dati tramite algoritmi crittografici. Il sistema viene gestito da smart contracts, ossia dei contratti digitali tra due o più parti che definiscono le clausole da rispettare per la corretta esecuzione del processo.
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"银行卡跨境支付资金清算效率研究." Doctoral diss., 2019. http://hdl.handle.net/2286/R.I.53534.

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abstract: 本论文研究的目的是针对银行卡跨境支付行为，根据不同的跨境支付渠道，结合资金清算的不同模式下的资金清算效率进行研究，并对现有清算系统内，运用理论和模型，对如何提高银行卡跨境资金清算进行阐述分析，力图在现有跨境资金清算金融设施的基础上，对银行卡跨境资金清算的流动性管理、头寸控制、增加清算周期等因素进行研究分析，进而尝试提出清算机制和流程的优化设计，以促进跨境资金提高周转效率，节约社会交易成本和持卡人资金成本。 论文将对相关银行卡跨境支付、清算基本流程、涉及的相关系统进行说明，并对全球和世界主要国家的银行卡市场进行介绍，结合我国银行卡跨境业务的现状、跨境支付清算涉及的主要环节、清算系统，通过不同层次、不同模型的分类比对，提出提高银行卡跨境支付资金清算的关键节点，并加以聚焦、深入测算、推导。研究的最终目的是期望通过对以上的分析，能够对银行卡资金清算参与主体对清算模式的选择、流动性节约、头寸管理等有所帮助，让清算主体能籍此对支付通道、清算模式、账户管理等选择上有所参考，促进卡组织（支付系统）籍此提高清算效率，从而降低整体交易和资金成本，提高支付行业整体资金资源的使用效率。
Dissertation/Thesis
Doctoral Dissertation Business Administration 2019
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Pereira, Rúben Filipe Simões. "Web Channel for a Mobile money system." Master's thesis, 2019. http://hdl.handle.net/10400.8/4632.

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Nowadays, 31% of the population worldwide still classified as Underbanked. These do not have access to mainstream financial services or institutions, and this is a problem that especially haunts the emerging markets. As the mobile phone penetration rate is tremendous, financial companies are investing in the development of mobile banking solutions to solve this issue. M-Pesa is one of those solutions that currently is being developed and deployed in several of these markets as in Tanzania, Mozambique, Democratic Republic of the Congo and others. The appearing of solutions like M-Pesa allowed its users to have an online bank account and perform operations as deposit, transfer or withdraw money. Despite the innovation and these solutions give them the possibility of pay taxes, bills or services, they continue excluded from the online shopping world. This exclusion happens because payment gateways are not prepared to support users that do not use the traditional banking systems. Online Payments platform aims to allow M-Pesa users to shop online. This platform is an online payment gateway that recurring to a third-party payment processor allows M-Pesa users to purchase on online stores. Is part of the prototype a web platform, that is composed by the following portals: i) merchant; ii) developer; iii) checkout; iv) documentation and v) demo and the Android M-Pesa application that was used to add support to new features for the Online Payments platform. This platform is a proof of concept developed during an internship at WIT Software, that is the company responsible for the development process of the M-Pesa mobile applications. Finally, as far as the final phase of the project is concerned, have been obtained proof of concept thought which can see that it is possible to implement it.
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Ping, Lin Shih, and 林詩萍. "The Channel Selection in Purchasing Concerning the Credit Card Payment Service." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/42310748477218684236.

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碩士
國立臺灣科技大學
企業管理系
102
The aim of this paper is to explore the relationship between credit card payment service and consumers’ behavior on purchase channel selection through Pxmart (the biggest supermarket chain in Taiwan) case study, and then see if Pxmart could compete against the other retailers such as hypermarkets or convenient stores by accepting credit card as a payment solution and become one of the main channels that consumers will choose to buy food and daily necessities. This study is made on the basis of The Theory of Planned Behavior (TPB) and taken Pxmart as a case study to analyze consumers’ intention of using credit cards and consumers’ purchasing behavior from aspects of attitude toward behavior, subjective norms, perceived behavioral control, and an individual’s behavioral intentions and behaviors. To collect information for further analysis, a questionnaire constructed by the concept of TPB was randomly given to the 307 consumers who came from urban areas in Northern, Middle, and Southern Taiwan. Finally, all the data were integrated to be mutually supportive and examined through approaches of Descriptive statistics and Partial Least Squares (PLS).
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"Smart Resource Allocation in Internet-of-Things: Perspectives of Network, Security, and Economics." Doctoral diss., 2019. http://hdl.handle.net/2286/R.I.54825.

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abstract: Emerging from years of research and development, the Internet-of-Things (IoT) has finally paved its way into our daily lives. From smart home to Industry 4.0, IoT has been fundamentally transforming numerous domains with its unique superpower of interconnecting world-wide devices. However, the capability of IoT is largely constrained by the limited resources it can employ in various application scenarios, including computing power, network resource, dedicated hardware, etc. The situation is further exacerbated by the stringent quality-of-service (QoS) requirements of many IoT applications, such as delay, bandwidth, security, reliability, and more. This mismatch in resources and demands has greatly hindered the deployment and utilization of IoT services in many resource-intense and QoS-sensitive scenarios like autonomous driving and virtual reality. I believe that the resource issue in IoT will persist in the near future due to technological, economic and environmental factors. In this dissertation, I seek to address this issue by means of smart resource allocation. I propose mathematical models to formally describe various resource constraints and application scenarios in IoT. Based on these, I design smart resource allocation algorithms and protocols to maximize the system performance in face of resource restrictions. Different aspects are tackled, including networking, security, and economics of the entire IoT ecosystem. For different problems, different algorithmic solutions are devised, including optimal algorithms, provable approximation algorithms, and distributed protocols. The solutions are validated with rigorous theoretical analysis and/or extensive simulation experiments.
Dissertation/Thesis
Doctoral Dissertation Computer Science 2019
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Guan-YuLai and 賴冠瑜. "Using Technology Acceptance Model to Explore the Consumers' Using Intention for Mobile Payment in Physical Channel: Using Perceived Risk as a Moderator." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/34q37h.

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Books on the topic "Payment channels"

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Surfing Payment Channels. JDP Enterprises.biz, 2007.

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Akyüz, Yilmaz. Playing with Fire. Oxford University Press, 2017. http://dx.doi.org/10.1093/oso/9780198797173.001.0001.

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From the early 1990s many emerging and developing economies (EDEs) liberalized their capital accounts, allowing greater freedom for international lenders and investors to enter their markets, as well as for their residents to operate in international financial markets. Despite recurrent crises, liberalization has accelerated in the new millennium. Global financial integration of EDEs has been greatly facilitated by progressively looser US monetary policy, notably policies culminating in crises in the US and Europe and the ultra-easy monetary policies adopted in response. Not only have traditional cross-border financial linkages of EDEs deepened and their external balance sheets expanded rapidly, but also foreign presence in their domestic markets and the presence of their nationals in foreign markets have reached unprecedented proportions. As a result new channels have emerged for the transmission of financial shocks from global boom–bust cycles. Almost all EDEs are now vulnerable irrespective of their balance-of-payments, external debt, net foreign assets, and international reserves positions, although these play an important role in the way such shocks could impinge on them. This is a matter for concern since the multilateral system lacks mechanisms to prevent beggar-thy-neighbour policies in major advanced economies that exert strong impact on global economic and financial conditions or for orderly and equitable resolution of financial crises with international dimensions. This volume provides a comprehensive treatment of global financial linkages of EDEs and the vulnerabilities they entail, based on a rich set of data and information that have not been put together so far in the literature.
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Office, Stationery, Great Britain: Parliament: Joint Committee on Statutory Instruments, and George Mudie. Tenth Report of Session 2014-15 : Drawing Special Attention to: National Health Service Regulations 2014 ; Income-Related Benefits and Discretionary Housing Payments Amendment Order 2014 ; Petroleum Licensing Regulations 2014 ; Channel Tunnel (International Ar. Rowman & Littlefield Publishers, Incorporated, 2014.

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Goodhart, William Howard Goodhart, and Great Britain: Parliament: House of Lords: Delegated Powers and Regulatory Reform Committee. 4th report of Session 2007-08 : Channel Tunnel Rail Link Bill; Criminal Justice and Immigration Bill; Crossrail Bill; European Communities Bill; House of Lords Bill ; Sale of Student Loans Bill, Government amendments: Child Maintenance and Other Payments Bill; Children and Young Persons Bill ; Local Transport Bill ; Regulatory Enforcement and Sanctions Bill , Gover. Stationery Office, The, 2008.

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Book chapters on the topic "Payment channels"

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Kumaresan, Ranjit, Duc V. Le, Mohsen Minaei, Srinivasan Raghuraman, Yibin Yang, and Mahdi Zamani. "Programmable Payment Channels." In Applied Cryptography and Network Security, 51–73. Cham: Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-54776-8_3.

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Jourenko, Maxim, Mario Larangeira, and Keisuke Tanaka. "Lightweight Virtual Payment Channels." In Cryptology and Network Security, 365–84. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-65411-5_18.

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Pan, Chen, Shuyang Tang, Zhonghui Ge, Zhiqiang Liu, Yu Long, Zhen Liu, and Dawu Gu. "Gnocchi: Multiplexed Payment Channels for Cryptocurrencies." In Network and System Security, 488–503. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-36938-5_30.

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Avarikioti, Zeta, Eleftherios Kokoris-Kogias, Roger Wattenhofer, and Dionysis Zindros. "Brick: Asynchronous Incentive-Compatible Payment Channels." In Financial Cryptography and Data Security, 209–30. Berlin, Heidelberg: Springer Berlin Heidelberg, 2021. http://dx.doi.org/10.1007/978-3-662-64331-0_11.

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Dong, Yuhao, Ian Goldberg, Sergey Gorbunov, and Raouf Boutaba. "Astrape: Anonymous Payment Channels with Boring Cryptography." In Applied Cryptography and Network Security, 748–68. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-09234-3_37.

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Avarikioti, Zeta, Lioba Heimbach, Yuyi Wang, and Roger Wattenhofer. "Ride the Lightning: The Game Theory of Payment Channels." In Financial Cryptography and Data Security, 264–83. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-51280-4_15.

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Minaei, Mohsen, Panagiotis Chatzigiannis, Shan Jin, Srinivasan Raghuraman, Ranjit Kumaresan, Mahdi Zamani, and Pedro Moreno-Sanchez. "Unlinkability and Interoperability in Account-Based Universal Payment Channels." In Financial Cryptography and Data Security. FC 2023 International Workshops, 367–84. Cham: Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-48806-1_24.

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Zhao, Zhixin, Chunpeng Ge, Lu Zhou, and Huaqun Wang. "Fully Discover the Balance of Lightning Network Payment Channels." In Wireless Algorithms, Systems, and Applications, 159–73. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-85928-2_13.

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van Dam, Gijs, Rabiah Abdul Kadir, Puteri N. E. Nohuddin, and Halimah Badioze Zaman. "Improvements of the Balance Discovery Attack on Lightning Network Payment Channels." In ICT Systems Security and Privacy Protection, 313–23. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-58201-2_21.

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Miller, Andrew, Iddo Bentov, Surya Bakshi, Ranjit Kumaresan, and Patrick McCorry. "Sprites and State Channels: Payment Networks that Go Faster Than Lightning." In Financial Cryptography and Data Security, 508–26. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-32101-7_30.

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Conference papers on the topic "Payment channels"

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Tran, Tuan, Haofan Zheng, Peter Alvaro, and Owen Arden. "Payment Channels Under Network Congestion." In 2022 IEEE International Conference on Blockchain and Cryptocurrency (ICBC). IEEE, 2022. http://dx.doi.org/10.1109/icbc54727.2022.9805547.

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Davies, Jack, and Wei Zhang. "Data Streaming over Bitcoin Payment Channels." In 2022 IEEE Future Networks World Forum (FNWF). IEEE, 2022. http://dx.doi.org/10.1109/fnwf55208.2022.00052.

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Pagani, Alessio. "QUIC Bitcoin: Fast and Secure Peer-to-Peer Payments and Payment Channels." In 2022 IEEE Future Networks World Forum (FNWF). IEEE, 2022. http://dx.doi.org/10.1109/fnwf55208.2022.00107.

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Grundmann, Matthias, and Hannes Hartenstein. "Verifying Payment Channels with TLA+." In 2022 IEEE International Conference on Blockchain and Cryptocurrency (ICBC). IEEE, 2022. http://dx.doi.org/10.1109/icbc54727.2022.9805487.

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Bonisch, Hannes, and Matthias Grundmann. "Decentralizing Watchtowers for Payment Channels using IPFS." In 2022 IEEE 42nd International Conference on Distributed Computing Systems Workshops (ICDCSW). IEEE, 2022. http://dx.doi.org/10.1109/icdcsw56584.2022.00015.

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Ladóczki, Bence, and Zhaojie Luo. "Routing Fee Adjustment Strategies in Payment Channels." In 2023 Fifth International Conference on Blockchain Computing and Applications (BCCA). IEEE, 2023. http://dx.doi.org/10.1109/bcca58897.2023.10338854.

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Hannon, Christopher, and Dong Jin. "Bitcoin Payment-Channels for Resource Limited IoT Devices." In COINS '19: INTERNATIONAL CONFERENCE ON OMNI-LAYER INTELLIGENT SYSTEMS. New York, NY, USA: ACM, 2019. http://dx.doi.org/10.1145/3312614.3312629.

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Ning, Bo, LuJin Ma, Ying Li, and HuaQin Qin. "GIS-based Integrated Management Platform for Electricity Payment Channels." In 2015 3rd International Conference on Machinery, Materials and Information Technology Applications. Paris, France: Atlantis Press, 2015. http://dx.doi.org/10.2991/icmmita-15.2015.349.

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Liu, Bowen, Pawel Szalachowski, and Siwei Sun. "Fail-safe Watchtowers and Short-lived Assertions for Payment Channels." In ASIA CCS '20: The 15th ACM Asia Conference on Computer and Communications Security. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3320269.3384716.

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Xu, Minze, Yuan Zhang, Fengyuan Xu, and Sheng Zhong. "Privacy-Preserving Optimal Recovering for the Nearly Exhausted Payment Channels." In 2021 IEEE/ACM 29th International Symposium on Quality of Service (IWQOS). IEEE, 2021. http://dx.doi.org/10.1109/iwqos52092.2021.9521279.

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Reports on the topic "Payment channels"

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Gandelman, Néstor, Rodrigo Lluberas, Daniel Misail, and Diana Gaitan. The Impact of a Financial Inclusion Program on Household’s Payment Choice, Savings, and Credit. Inter-American Development Bank, March 2023. http://dx.doi.org/10.18235/0004789.

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Uruguay implemented an ambitious financial inclusion program that included a fiscal stimulus through VAT rebates and subsidies for point of sale (POS) adoption. One of its main provisions banned cash payment of wages and social benefits and forced financial institutions to open wage-accounts with extremely beneficial conditions. In the aggregate, the number of debit cards transactions increased sharply. We test the wage-banking channel of the financial program exploiting differences in the treatment intensity between public sector and private sector workers. We find that while the provision of bank accounts increased the number of debit cards, it had modest effects on the probability of payment with cards that are mostly produced by a more intensive use of debit cards by those who already had them before the Financial Inclusion Act went into effect. Thus, the aggregate effects must be produced by the fiscal channel of the financial inclusion program. Finally, we fail to find effects on either access to short-term credit or expenditure or savings.
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Dimaranan, Betina, Thomas Hertel, and Roman Keeney. OECD Domestic Support and the Developing Countries. GTAP Working Paper, January 2003. http://dx.doi.org/10.21642/gtap.wp19.

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This paper aims to shed light on the potential interests of developing countries in reforms to domestic support for agriculture in the OECD economies. In order to accomplish this goal, we begin by reviewing the literature on the impacts of domestic support on key variables, including farm income, in the OECD economies themselves. We then proceed to revise the standard GTAP model of global trade, based on recent work at the OECD, in order to permit it to better capture these impacts. A series of stylized simulations are subsequently offered to illustrate the differential impacts of alternative types of domestic support. These suggest the possibility of policy re-instrumentation, whereby farm income is stabilized in the face of cuts to overall support levels by shifting the mix of subsidies away from the more trade-distorting instruments which also tend to be ineffective tools for boosting farm incomes. We then explore in considerable detail the mechanisms by which OECD agricultural reforms affect developing country welfare. The primary channel for such effects works through the terms of trade which in turn depend in part on whether a country is a net exporter or a net importer of the affected OECD products. Long term support for agricultural program commodities in OECD countries, coupled with relative taxation in many developing countries, has left the latter increasingly dependent on imports of these subsidized products. This has, in turn, made them more vulnerable to agricultural reforms that raise these prices. As a result, we find that an across-the-board, 50% cut in all domestic support for OECD agriculture leads to welfare losses for most of the developing regions, as well as for the combined total group of developing countries. The 50% cut in domestic support also results in large declines in farm incomes in Europe, and, to a lesser degree, North America. This makes such a reform package an unlikely political event. An alternative approach to reforming agricultural policies in the OECD would be to focus on broad-based reductions in market price support. This has already been occurring in the EU, in particular, where domestic support has increasingly replaced border measures. As demonstrated in this paper, the basic economic principles of agricultural support policies suggest that a shift from market price support to land-based payments could generate a “win-win” outcome whereby farm incomes are maintained and world price distortions are reduced. This is the direction charted by the OECD in its recent “Positive Reform Agenda” for agriculture. We formally examine such an agricultural reform scenario, implementing a 50% cut in market price support for OECD agriculture, with a compensating set of land payments designed to maintain farm income in each of the member economies. This comprehensive reform scenario results in increased welfare for most developing countries, with gains on other commodities offsetting the terms of trade losses from higher program crop prices. We conclude that developing countries will be well advised to focus their efforts on improved market access to the OECD economies, while permitting these wealthy economies to continue – indeed even increase – domestic support payments. Provided these increased domestic support payments are not linked to output or variable inputs, the trade-distorting effects are likely to be small, and they can be a rather effective way of offsetting the potential losses that would otherwise be sustained by OECD farmers. This type of policy re-instrumentation will increase the probability that such reforms will be deemed politically acceptable in the OECD member economies, while simultaneously increasing the likelihood that such reforms will also be beneficial to the developing economies.
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Financial Infrastructure Report 2022. Banco de la República, June 2023. http://dx.doi.org/10.32468/rept-sist-pag.eng.2022.

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Banco de la República's monitoring of the local financial market infrastructure is an additional contribution to the country's financial stability. One of the products of that monitoring has been the Payment Systems Report, which is now known as the Financial Infrastructure Report. The change in name, as of this edition, is intended to reflect in a broader way the issues that are addressed in the report. The 2022 edition includes several changes that are the result of a comparative study of financial infrastructure reports prepared by other central banks. These changes seek to make the report more fluid and easier to read, including main points and selected key figures for the different interest groups to which it is addressed. The report shows the financial infrastructure continued to render its services without interruption, with general evidence of good performance in 2021. Additionally, the resilience of the Central Counterparty Risk of Colombia (CRCC) and the Large-value Payments System (CUD) to extreme events was validated, based on stress tests conducted according to international standards (focused on liquidity and credit risk). As for retail payments, transactional information indicates the use of electronic instruments increased in terms of value during 2021 compared to 2020 (credit and debit cards, checks and electronic funds transfers). The use of debit and credit cards in payments rose to levels similar to those reached in the pre-pandemic year. Meanwhile, electronic funds transfers continued to grow. Although the results of the BR 2022 survey show cash continues to be the instrument most used by the public for regular payments (like the situation in other countries), the perception of its use decreased significantly to 75 % (87 % in 2019). Also, in commerce, cash was the preferred instrument for customers. However, in this measurement, several retail channels such as hairdressers, drugstores and restaurants joined the group that has traditionally received electronic payments for a value greater than 10% of their sales (hypermarkets and gas stations). Likewise, for nearly 50% of the population, cash payments are lower than before the pandemic. This is consistent with the transactional increase in electronic payment instruments that was observed in 2021. Banco de la República continues to monitor the technological developments that have expanded and modernized the supply in the international and local payments market, as these are issues of interest to the industry that provides clearing and settlement services. This report outlines the Pix case for instant payments in Brazil, the projects that are underway regarding the possible issue of digital currency by central banks (CBDC) for cross-border payments, as well as an approach to the Fintech ecosystem in Colombia, with an emphasis on companies that provide payment services. Leonardo Villar Governor Main points: 2022 The local financial infrastructure was safe and efficient throughout the year. The services of the financial infrastructure were proved on a continuous basis, showing good performance overall. Less momentum in the large-value payment system CUD activity declined versus the previous year because of fewer government deposits with BanRep. This was offset partially by growth in repos to increase money supply and in retail-value payments (electronic funds transfers, checks and cards). Increased momentum in financial market infrastructures. Larger amounts were cleared and settled through the Central Securities Depository (DCV) due to an increase in the market for sovereign debt. Operations managed by the Central Counterparty Risk of Colombia (CRCC) increased due to inclusion of the foreign exchange segment and the positive evolution in non-delivery forward peso/dollar contracts. Added confidence in the peso/dollar spot foreign exchange market due to CRCC interposition. Number and value of trades grew, mainly due to the adjustment of therisk management model for the FX segment and the increase in the limiton net selling positions in dollars. Stress testing with international standards to validate CRCC and CUD resilience Stress tests conducted independently by the SFC, BanRep and the CRCC, like those done in England and the United States, concluded that the CRCC's risk management model allows it to withstand extreme market events and simultaneous defaults by its main members. Based on the experience of other central banks, BanRep strengthened its intraday liquidity risk stress exercises in the CUD by incorporating temporary payment delays. It calculated that a two-hour delay by a key participant increases the system's liquidity needs by 0.5%. Electronic payments increased during 2021 According to transactional information, all electronic payment instruments increased in value versus 2020 (electronic funds transfers, checks and debit and credit cards). Electronic funds transfers continued to grow (80% from legal entities), with the participation of closed schemes driven particularly by the use of mobile wallets (35% of the number of intra-transfer transactions). The use of debit and credit cards for payments climbed to levels similar to those witnessed in the pre-pandemic year. Cash continues to be the instrument most used by the public for regular payments. The results of the BanRep survey in 2022 show that the perception of the use of cash declined significantly to 75% (87% in 2019), and about 50% of the population perceive their cash payments as being lower than those they made before the pandemic. Electronic funds transfers were second most used instrument, having increased to 15% (3% in 2019). Also, in commerce, cash was the preferred instrument of payment for its customers; however, several commerce channels received more than 10% of the value of their sales in electronic payments (hypermarkets 35%, gas stations 25%, hairdressers 15%, drugstores 14% and restaurants 12%). Continuous technological developments have broadened, and modernized services offered in the payments market. Pix (instant payments in Brazil). The high level of adoption of instant transfers in Brazil motivated a review of its strengths; namely, the possibility of different use cases between individuals, businesses, and government; high participation by financial and payment institutions; free of charge for individuals and the possibility of charging legal entities, and simple user experience. Digital currencies in central banking. Several groups of countries have joined forces to conduct pilot projects with wholesale CBDCs for cross-border payments. Flows generated by international trade, foreign investment and remittances between individuals can be processed more efficiently, transparently, and securely by reducing their cost and increasing their speed. Due to the constant progress being made on this issue, BanRep will continue to monitor all CBDC-related matters. The fintech ecosystem for payments in Colombia. A high percentage of existing FinTech companies in the country are dedicated to offering digital payment services: wallets, payment gateways, mobile devices (point-of-sale terminals) and acquisition. These have driven innovation in payment services.
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International Remittances in Colombia. Inter-American Development Bank, March 2007. http://dx.doi.org/10.18235/0008715.

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Due to the growing importance of family remittance flows in the region, in mid-2004 the Centre for Latin American Monetary Studies (CEMLA) and the Multilateral Investment Fund (MIF) began designing a Project aimed at improving the statistical measurement of these flows. This Report is based on the findings of the Mission that visited Colombia in December 2006, formed by two teams that coordinated their work in the field of international remittances. This report on the remittance market in Colombia includes in depth: the economic context; the institutional and legal framework of this market; characteristics of the issuers, of the recipients and providers of remittances, the means and channels of payment; costs of remittance, disclosure, transparency and consumer protection, as well as the methodology for the measurement of these flows.
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Program for Improving Central Bank Reporting and Procedures on Remittances: Barbados. Inter-American Development Bank, June 2010. http://dx.doi.org/10.18235/0008714.

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The importance of international remittance flows to Latin American and Caribbean economies has increased substantially, both in terms of macroeconomic stability given the magnitude of these capital inflows, and of economic development in view of their impact on financial inclusion and poverty alleviation. The present Report, International Remittances in Barbados, is one of the descriptive documents in the series, and was prepared with the active participation of the Central Bank of Barbados. This report is based on the findings of a mission that visited Barbados in November 2009, comprising two teams that worked jointly. This document describes the remittance market in Barbados, including: the economic context, the institutional and legal framework of this market; characteristics of the issuers, of the recipients and providers of remittances, the means and channels of payment; costs of remittance, disclosure, transparency and consumer protection, as well as the methodology for the measurement of these flows.
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Rethinking the global microscope for financial inclusion: 2021 key findings report. Inter-American Development Bank, December 2021. http://dx.doi.org/10.18235/0003957.

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The Global Microscope is a benchmarking index that has assessed the enabling environment for financial inclusion across 55 countries since 2007. This year, the Economist Impact team conducted an assessment of the index's existing data (2007-20) to understand the relationship between key financial inclusion enablers (i.e. policies, regulation and infrastructure) and financial inclusion outcomes. This report discusses the policies that have driven change, the priorities to keep in mind for the future, the tools that will help achieve these goals and the unique ways these priorities and tools apply across different parts of the financial system. Below we summarize our key findings: - A higher overall Global Microscope score showed a positive relationship with the number of accounts with formal financial institutions and mobile money providers among the population. - The Infrastructure domain had the strongest relation to account ownership, documenting the positive effects on inclusion from policies facilitating the expansion of payment systems, strong digital identification regimes, widespread connectivity, and robust credit information systems. The other four domains are Government and Policy Support, Stability and Integrity, Products and Outlets, and Consumer Protection. - Consumer Protection was also positively linked to the prevalence of bank accounts, underscoring the importance of measures to ensure that financial consumers are treated fairly across the range of distribution channels and products. - The magnitude and quality of regulatory implementation significantly impacts financial inclusion. Larger regulatory improvements were associated with increasingly larger gains in account ownership. * The opinions expressed in this work are those of the authors and do not necessarily reflect the views of the IDB, its Board of Directors or the countries they represent, nor of the MIF Donors Committee or the countries it represents.
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