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Central Bank Digital Currency (CBDC) is a new form of money, issued by a country's or region's central bank, that can be used for a variety of payment scenarios. Depending on its concrete implementation, there are many participants in a…
With the innovation of distributed ledger technology (DLT), often known as blockchain technology, there has been significant growth of digital tokens in the form of cryptocurrencies, stablecoins, and central bank digital currencies. As the…
Many reports regarding online fraud in varieties media create skepticism for conducting transactions online, especially through an open network such as the Internet, which offers no security whatsoever. Therefore, encryption technology is…
We propose a new free eCommerce platform with blockchains that allows customers to connect to the seller directly, share personal data without losing control and ownership of it and apply it to the domain of shopping cart. Our new platform…
Anonymous cloud architecture provides secure environment for business and also e-commerce approaches. By using this type of architecture, we can propose anonymous online applications. Customers who need secure and reliable online services…
In the present day, the requirement of securing electronic cash flow system are increasing significantly. Todays life is so busy that spending a valuable second cost so much. In, such situation if money flow is possible swiftly by just one…
Humanitarian organizations distribute aid to people affected by armed conflicts or natural disasters. Digitalization has the potential to increase the efficiency and fairness of aid-distribution systems, and recent work by Wang et al. has…
Distributed systems with different levels of dependence to central services have been designed and used during recent years. Pure peer-to-peer systems among distributed systems have no dependence on a central resource. DHT is one of the…
Blockchain, as the backbone technology of the current popular Bitcoin digital currency, has become a promising decentralized data management framework. Although blockchain has been widely adopted in many applications, e.g., finance,…
Digital financial services have catalyzed financial inclusion in Africa. Commonly implemented as a mobile wallet service referred to as mobile money (MoMo), the technology provides enormous benefits to its users, some of whom have long been…
The blockchain ecosystem, particularly with the rise of Web3 and Non-Fungible Tokens (NFTs), has experienced a significant increase in users and applications. However, this expansion is challenged by the need to connect early adopters with…
We proposed a new construction for contract wallets, smart contract applications that allow users to control their crypto assets. Users can manipulate their crypto assets by simply sending emails with no need to manage keys. These emails…
The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the…
The recent proliferation of Electronic Commerce (E-commerce) has been further escalated by multifaceted emerging payment solutions such as cryptocurrencies, mobile, peer-to-peer (P2P) and social media payment platforms. While these…
In this chapter we provide an overview of the concept of blockchain technology and its potential to disrupt the world of banking through facilitating global money remittance, smart contracts, automated banking ledgers and digital assets. In…
The P2P model encompasses a network of equal peers, whether in hardware or software, operating autonomously without central control, allowing individual peer failure while ensuring high availability. Nevertheless, current P2P technologies…
The European Central Bank is preparing for the potential issuance of a central bank digital currency (CBDC), called the digital euro. A recent regulatory proposal by the European Commission defines several requirements for the digital euro,…
In this work, we investigate the structure and evolution of a peer-to-peer (P2P) payment application. A unique aspect of the network under consideration is that the edges among nodes represent financial transactions among individuals who…
Cryptocurrencies redefined how money can be stored and transferred among users. However, independent of the amount being sent, public blockchain-based cryptocurrencies suffer from high transaction waiting times and fees. These drawbacks…
Smart cities are growing significantly due to the growth of smart connected vehicles and Internet of Things (IoT) where a wide range of devices are connected to share data. Online mapping is one of the fundamental services offered in smart…