A low-cost contactless micro-payment framework
- Authors: Grimm, Nicholas Justin
- Date: 2014-06-30
- Subjects: Taxicab industry , Payment , Electronic funds transfers , Mobile commerce , Global positioning system , Near field communication
- Type: Thesis
- Identifier: http://ujcontent.uj.ac.za8080/10210/366994 , uj:11622 , http://hdl.handle.net/10210/11335
- Description: M.Com. (Informatics) , This research has the aim of creating a low-cost, contactless, micro-payment framework to support micro-payments for the informal taxi industry in South Africa. The informal taxi industry is a prime example of an industry that needs simple and effective payments for low-cost services where the primary medium of payment is currently cash. Challenges of currently used are the security of cash, the difficulty for the taxi driver to collect cash, and the auditability of cash from the perspective of the taxi owner. Furthermore, the taxi owner does not know the routes the taxi travels or the petrol that is used by the taxi. Micro-payment transaction volumes are rapidly increasing due to consumer need for simple and effective payments for low-cost items and services. Micro-payment technologies are rapidly growing in popularity and demand, prompting the need for financial institutions to consider investment in the technology. Contactless technology, specifically near-field communication (NFC), is contributing to the exponential growth of micro-payments. Increasingly, consumers are not required to enter security information in order to perform transactions. By bringing a compatible card within range of a suitable reader, a transaction takes place with immediate effect, with little or no involvement from payment providers and financial institutions. Complementary wireless technologies such as GPS enable a multitude of applications by offering positional and speed information. Combining GPS technology with NFC enables contactless positional payment information to be accessible, to present a unique micro-payment concept. This dissertation presents M-Thinta, a low-cost contactless micro-payment model. The M-Thinta prototype demonstrates the real-world operation of the M-Thinta model. The prototype demonstrates that it is possible to create a functional low-cost, contactless micro-payment platform by combining a number of standard low-cost components.
- Full Text:
- Authors: Grimm, Nicholas Justin
- Date: 2014-06-30
- Subjects: Taxicab industry , Payment , Electronic funds transfers , Mobile commerce , Global positioning system , Near field communication
- Type: Thesis
- Identifier: http://ujcontent.uj.ac.za8080/10210/366994 , uj:11622 , http://hdl.handle.net/10210/11335
- Description: M.Com. (Informatics) , This research has the aim of creating a low-cost, contactless, micro-payment framework to support micro-payments for the informal taxi industry in South Africa. The informal taxi industry is a prime example of an industry that needs simple and effective payments for low-cost services where the primary medium of payment is currently cash. Challenges of currently used are the security of cash, the difficulty for the taxi driver to collect cash, and the auditability of cash from the perspective of the taxi owner. Furthermore, the taxi owner does not know the routes the taxi travels or the petrol that is used by the taxi. Micro-payment transaction volumes are rapidly increasing due to consumer need for simple and effective payments for low-cost items and services. Micro-payment technologies are rapidly growing in popularity and demand, prompting the need for financial institutions to consider investment in the technology. Contactless technology, specifically near-field communication (NFC), is contributing to the exponential growth of micro-payments. Increasingly, consumers are not required to enter security information in order to perform transactions. By bringing a compatible card within range of a suitable reader, a transaction takes place with immediate effect, with little or no involvement from payment providers and financial institutions. Complementary wireless technologies such as GPS enable a multitude of applications by offering positional and speed information. Combining GPS technology with NFC enables contactless positional payment information to be accessible, to present a unique micro-payment concept. This dissertation presents M-Thinta, a low-cost contactless micro-payment model. The M-Thinta prototype demonstrates the real-world operation of the M-Thinta model. The prototype demonstrates that it is possible to create a functional low-cost, contactless micro-payment platform by combining a number of standard low-cost components.
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PerTrust : leveraging personality and trust for group recommendations
- Authors: Leonard, Justin Sean
- Date: 2014-07-01
- Subjects: Recommender systems (Information filtering) , Information filtering systems
- Type: Thesis
- Identifier: uj:11648 , http://hdl.handle.net/10210/11364
- Description: M.Sc. (Information Technology) , Recommender systems assist a system user to identify relevant content within a specific context. This is typically performed through an analysis of a system user’s rating habits and personal preferences and leveraging these to return one or a number of relevant recommendations. There are numerable contexts in which recommender systems can be applied, such as movies, tourism, books, and music. The need for recommender systems has become increasingly relevant, particularly on the Internet. This is mainly due to the exponential amount of content that is published online on a daily basis. It has thus become more time consuming and difficult to find pertinent information online, leading to information overload. The relevance of a recommender system, therefore, is to assist a system user to overcome the information overload problem by identifying pertinent information on their behalf. There has been much research done within the recommender system field and how such systems can best recommend items to an individual user. However, a growing and more recent research area is how recommender systems can be extended to recommend items to groups, known as group recommendation. The relevance of group recommendation is that many contexts of recommendation apply to both individuals and groups. For example, people often watch movies or visit tourist attractions as part of a group. Group recommendation is an inherently more complex form of recommendation than individual recommendation for a number of reasons. The first reason is that the rating habits and personal preferences of each system user within the group need to be considered. Additionally, these rating habits and personal preferences can be quite heterogeneous in nature. Therefore, group recommendation becomes complex because a satisfactory recommendation needs to be one which meets the preferences of each group member and not just a single group member. The second reason why group recommendation is considered to be more complex than individual recommendation is because a group not only includes multiple personal preferences, but also multiple personality types. This means that a group is more complex from a social perspective. Therefore, a satisfactory group recommendation needs to be one which considers the varying personality types and behaviours of the group. The purpose of this research is to present PerTrust, a generic framework for group recommendation with the purpose of providing a possible solution to the aforementioned issues noted above. The primary focus of PerTrust is how to leverage both personality and trust in overcoming these issues.
- Full Text:
- Authors: Leonard, Justin Sean
- Date: 2014-07-01
- Subjects: Recommender systems (Information filtering) , Information filtering systems
- Type: Thesis
- Identifier: uj:11648 , http://hdl.handle.net/10210/11364
- Description: M.Sc. (Information Technology) , Recommender systems assist a system user to identify relevant content within a specific context. This is typically performed through an analysis of a system user’s rating habits and personal preferences and leveraging these to return one or a number of relevant recommendations. There are numerable contexts in which recommender systems can be applied, such as movies, tourism, books, and music. The need for recommender systems has become increasingly relevant, particularly on the Internet. This is mainly due to the exponential amount of content that is published online on a daily basis. It has thus become more time consuming and difficult to find pertinent information online, leading to information overload. The relevance of a recommender system, therefore, is to assist a system user to overcome the information overload problem by identifying pertinent information on their behalf. There has been much research done within the recommender system field and how such systems can best recommend items to an individual user. However, a growing and more recent research area is how recommender systems can be extended to recommend items to groups, known as group recommendation. The relevance of group recommendation is that many contexts of recommendation apply to both individuals and groups. For example, people often watch movies or visit tourist attractions as part of a group. Group recommendation is an inherently more complex form of recommendation than individual recommendation for a number of reasons. The first reason is that the rating habits and personal preferences of each system user within the group need to be considered. Additionally, these rating habits and personal preferences can be quite heterogeneous in nature. Therefore, group recommendation becomes complex because a satisfactory recommendation needs to be one which meets the preferences of each group member and not just a single group member. The second reason why group recommendation is considered to be more complex than individual recommendation is because a group not only includes multiple personal preferences, but also multiple personality types. This means that a group is more complex from a social perspective. Therefore, a satisfactory group recommendation needs to be one which considers the varying personality types and behaviours of the group. The purpose of this research is to present PerTrust, a generic framework for group recommendation with the purpose of providing a possible solution to the aforementioned issues noted above. The primary focus of PerTrust is how to leverage both personality and trust in overcoming these issues.
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TrustCV : supporting reputation-based trust for collectivist digital business ecosystems
- Authors: Isherwood, Donovan Anthony
- Date: 2014
- Subjects: Software ecosystems - Africa , Small business - Africa , Trust , Reputation , Social networks
- Type: Thesis
- Identifier: uj:11706 , http://hdl.handle.net/10210/11427
- Description: M.Sc. (Information Technology) , In Africa, the economy is largely dominated by SMMEs that represent 90% of private businesses and contribute to more than 50% of employment and GDP. However, these SMMEs struggle to sustain their businesses in the current economic climate. To address this, advancements in mobile and cloud technology introduce new possibilities such as digital business ecosystems to support environment where small, micro, and medium enterprises can interoperate. The fundamental challenge for SMMEs in a digital business ecosystem is the selection of transaction partners. SMMEs are interested to transact with other SMMEs that will benefit their business through successful transactions. This leads to the sustainability and growth of SMMEs and consequently the economy. However, not all SMMEs behave as predicted and therefore, being able to trust another SMME in the digital business ecosystem is important. Trust is an essential part of business and personal life. The social nature of trust makes trust very personalised and for each individual, trust is interpreted, understood and perceived according to past experience and social behaviour. These factors are largely influenced by cultural norms and behaviours that individuals conform to. In African and some other regions, collectivist cultural norms and behaviours are common whereas in Westernised regions, individualist cultures are common. Therefore, it is not enough to just consider trust from a technical perspective but also from a cultural perspective. For small businesses in Africa and other regions in the world, this is especially true. Compared to larger companies in developed economies, SMMEs in Africa are more informal and operate in a more personal manner. This implies that trust decisions are largely influence an owner or employee’s cultural norms and behaviour. The research conducted in this dissertation proposes a trust model, known as Trustcv that supports the cultural norms and behaviours of collectivist cultures for trust in a digital business ecosystem. Digital business ecosystems, trust, culture and social network analysis provide the literature foundation for Trustcv. The effectiveness of Trustcv is measured through simulations of a digital business ecosystem in Africa, which provides interesting results compared to an existing trust model. The results indicate that Trustcv could be used to support trust in collectivist digital business ecosystems used by collectivist cultural SMMEs.
- Full Text:
- Authors: Isherwood, Donovan Anthony
- Date: 2014
- Subjects: Software ecosystems - Africa , Small business - Africa , Trust , Reputation , Social networks
- Type: Thesis
- Identifier: uj:11706 , http://hdl.handle.net/10210/11427
- Description: M.Sc. (Information Technology) , In Africa, the economy is largely dominated by SMMEs that represent 90% of private businesses and contribute to more than 50% of employment and GDP. However, these SMMEs struggle to sustain their businesses in the current economic climate. To address this, advancements in mobile and cloud technology introduce new possibilities such as digital business ecosystems to support environment where small, micro, and medium enterprises can interoperate. The fundamental challenge for SMMEs in a digital business ecosystem is the selection of transaction partners. SMMEs are interested to transact with other SMMEs that will benefit their business through successful transactions. This leads to the sustainability and growth of SMMEs and consequently the economy. However, not all SMMEs behave as predicted and therefore, being able to trust another SMME in the digital business ecosystem is important. Trust is an essential part of business and personal life. The social nature of trust makes trust very personalised and for each individual, trust is interpreted, understood and perceived according to past experience and social behaviour. These factors are largely influenced by cultural norms and behaviours that individuals conform to. In African and some other regions, collectivist cultural norms and behaviours are common whereas in Westernised regions, individualist cultures are common. Therefore, it is not enough to just consider trust from a technical perspective but also from a cultural perspective. For small businesses in Africa and other regions in the world, this is especially true. Compared to larger companies in developed economies, SMMEs in Africa are more informal and operate in a more personal manner. This implies that trust decisions are largely influence an owner or employee’s cultural norms and behaviour. The research conducted in this dissertation proposes a trust model, known as Trustcv that supports the cultural norms and behaviours of collectivist cultures for trust in a digital business ecosystem. Digital business ecosystems, trust, culture and social network analysis provide the literature foundation for Trustcv. The effectiveness of Trustcv is measured through simulations of a digital business ecosystem in Africa, which provides interesting results compared to an existing trust model. The results indicate that Trustcv could be used to support trust in collectivist digital business ecosystems used by collectivist cultural SMMEs.
- Full Text:
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