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Instant messaging services are quickly becoming the most dominant form of communication among consumers around the world. Apple iMessage, for example, handles over 2 billion message each day, while WhatsApp claims 16 billion messages from…
Buy Now Pay Later (BNPL) is a rapidly proliferating e-commerce model, offering consumers to get the product immediately and defer payments. Meanwhile, emerging blockchain technologies endow BNPL platforms with digital currency transactions,…
In the current era of digitization, online payment systems are attracting considerable interest. Improving the efficiency of a payment system is important since it has a substantial impact on revenues for businesses. A gateway is an…
A decentralized application (dapp for short) refers to an application that is executed by multiple users over a decentralized network. In recent years, the number of dapp keeps fast growing, mainly due to the popularity of blockchain…
An option is a financial agreement between two parties to trade two assets. One party is given the right, but not the obligation, to complete the swap before a specified termination time. In todays financial markets, an option is considered…
In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…
Recommendation system is such a platform that helps people to easily find out the things they need within a few seconds. It is implemented based on the preferences of similar users or items. In this digital era, the internet has provided us…
Blockchain technology is an interlinked systematic chain of blocks that contains transaction history and other user data. It works under the principle of decentralized distributed digital ledger. This technology enables cryptographically…
In this paper an attempt is made to review technological, economical and legal aspects of the spam in detail. The technical details will include different techniques of spam control e.g., filtering techniques, Genetic Algorithm, Memory…
Software-as-a-Service (SaaS) is a form of cloud computing that relieves the user from the concern of hardware, software installation and management. It is an emerging business model that delivers software applications to the users through…
In this paper, we present a new framework that links the two worlds of wired and cellular users sharing systems. The approach is to propose an easy gateway that enables the use of cellular networks based services by wireline users and…
We present a scalable architecture for electronic retail payments via central bank digital currency and offer a solution to the perceived conflict between robust regulatory oversight and consumer affordances such as privacy and control. Our…
Many of today's online services provide personalized recommendations to their users. Such recommendations are typically designed to serve certain user needs, e.g., to quickly find relevant content in situations of information overload.…
Digital currencies represent a new method for exchange and investment that differs strongly from any other fiat money seen throughout history. A digital currency makes it possible to perform all financial transactions without the…
Over the last 25 years four million e-mail addresses have accumulated in the PGP web of trust. In a study each of them was tested for vitality with the result of 40% being unreachable. Of the mailboxes proven to be reachable, 46.77% turn…
With blockchain technology, information is recorded in a permanent distributed ledger that is maintained by multiple computers in a peer-to-peer network. There is no central authority that can alter records or change network consensus…
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…
Sending money in cryptocurrencies is majorly based on public keys or their hashed forms -- "addresses." These long random-looking strings are user unfriendly for transferring by other means than via copy-and-paste or QR codes. Replacing…
Individual business processes have been changing since the Internet was created, and they are now oriented towards a more distributed and collaborative business model, in an e-commerce environment that adapts itself to the competitive and…
Web services are widely used in many areas via callable APIs, however, data are not always available in this way. We always need to get some data from web pages whose structure is not in order. Many developers use web data extraction…