{"id":"https://openalex.org/W2104948104","doi":"https://doi.org/10.1109/icumt.2009.5345473","title":"Secure and cost effective transaction model for financial services","display_name":"Secure and cost effective transaction model for financial services","publication_year":2009,"publication_date":"2009-10-01","ids":{"openalex":"https://openalex.org/W2104948104","doi":"https://doi.org/10.1109/icumt.2009.5345473","mag":"2104948104"},"language":"en","primary_location":{"id":"doi:10.1109/icumt.2009.5345473","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icumt.2009.5345473","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2009 International Conference on Ultra Modern Telecommunications & Workshops","raw_type":"proceedings-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5076039572","display_name":"Nitin Munjal","orcid":null},"institutions":[{"id":"https://openalex.org/I94234084","display_name":"Indian Institute of Technology Kanpur","ror":"https://ror.org/05pjsgx75","country_code":"IN","type":"education","lineage":["https://openalex.org/I94234084"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Nitin Munjal","raw_affiliation_strings":["Department of Computer Science and Engineering, Indian Institute of Technology, Kanpur, India","Department of Computer Science & Engineering Indian Institute of Technology Kanpur\u2212208016, India"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Indian Institute of Technology, Kanpur, India","institution_ids":["https://openalex.org/I94234084"]},{"raw_affiliation_string":"Department of Computer Science & Engineering Indian Institute of Technology Kanpur\u2212208016, India","institution_ids":["https://openalex.org/I94234084"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5059289976","display_name":"Rajat Moona","orcid":null},"institutions":[{"id":"https://openalex.org/I94234084","display_name":"Indian Institute of Technology Kanpur","ror":"https://ror.org/05pjsgx75","country_code":"IN","type":"education","lineage":["https://openalex.org/I94234084"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Rajat Moona","raw_affiliation_strings":["Department of Computer Science and Engineering, Indian Institute of Technology, Kanpur, India","Department of Computer Science & Engineering Indian Institute of Technology Kanpur\u2212208016, India"],"affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Indian Institute of Technology, Kanpur, India","institution_ids":["https://openalex.org/I94234084"]},{"raw_affiliation_string":"Department of Computer Science & Engineering Indian Institute of Technology Kanpur\u2212208016, India","institution_ids":["https://openalex.org/I94234084"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5076039572"],"corresponding_institution_ids":["https://openalex.org/I94234084"],"apc_list":null,"apc_paid":null,"fwci":0.7403,"has_fulltext":false,"cited_by_count":10,"citation_normalized_percentile":{"value":0.82925299,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":"7813","issue":null,"first_page":"1","last_page":"6"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9937999844551086,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9937999844551086,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10388","display_name":"Advanced Steganography and Watermarking Techniques","score":0.9919999837875366,"subfield":{"id":"https://openalex.org/subfields/1707","display_name":"Computer Vision and Pattern Recognition"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10742","display_name":"Peer-to-Peer Network Technologies","score":0.98580002784729,"subfield":{"id":"https://openalex.org/subfields/1705","display_name":"Computer Networks and Communications"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/service","display_name":"Service (business)","score":0.5942038297653198},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5729353427886963},{"id":"https://openalex.org/keywords/database-transaction","display_name":"Database transaction","score":0.5593628883361816},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.511987030506134},{"id":"https://openalex.org/keywords/transaction-cost","display_name":"Transaction cost","score":0.4863606095314026},{"id":"https://openalex.org/keywords/point","display_name":"Point (geometry)","score":0.48058223724365234},{"id":"https://openalex.org/keywords/service-provider","display_name":"Service provider","score":0.4757896661758423},{"id":"https://openalex.org/keywords/population","display_name":"Population","score":0.468497097492218},{"id":"https://openalex.org/keywords/financial-transaction","display_name":"Financial transaction","score":0.46566203236579895},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.4548724889755249},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.4418150782585144},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.32032424211502075},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.2016104757785797},{"id":"https://openalex.org/keywords/database","display_name":"Database","score":0.13062283396720886}],"concepts":[{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.5942038297653198},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5729353427886963},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.5593628883361816},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.511987030506134},{"id":"https://openalex.org/C98965940","wikidata":"https://www.wikidata.org/wiki/Q877496","display_name":"Transaction cost","level":2,"score":0.4863606095314026},{"id":"https://openalex.org/C28719098","wikidata":"https://www.wikidata.org/wiki/Q44946","display_name":"Point (geometry)","level":2,"score":0.48058223724365234},{"id":"https://openalex.org/C116537","wikidata":"https://www.wikidata.org/wiki/Q2169973","display_name":"Service provider","level":3,"score":0.4757896661758423},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.468497097492218},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.46566203236579895},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.4548724889755249},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4418150782585144},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.32032424211502075},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2016104757785797},{"id":"https://openalex.org/C77088390","wikidata":"https://www.wikidata.org/wiki/Q8513","display_name":"Database","level":1,"score":0.13062283396720886},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/icumt.2009.5345473","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icumt.2009.5345473","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2009 International Conference on Ultra Modern Telecommunications & Workshops","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":13,"referenced_works":["https://openalex.org/W119362848","https://openalex.org/W169051368","https://openalex.org/W1479774102","https://openalex.org/W1545046832","https://openalex.org/W1557583788","https://openalex.org/W1660562555","https://openalex.org/W1892798954","https://openalex.org/W2112327401","https://openalex.org/W2153047060","https://openalex.org/W2165750561","https://openalex.org/W2753555060","https://openalex.org/W4289127653","https://openalex.org/W4300349690"],"related_works":["https://openalex.org/W4247957653","https://openalex.org/W4224058119","https://openalex.org/W2362046489","https://openalex.org/W2899271195","https://openalex.org/W1967476065","https://openalex.org/W2109067458","https://openalex.org/W4388920627","https://openalex.org/W3039516438","https://openalex.org/W324229897","https://openalex.org/W2274503469"],"abstract_inverted_index":{"With":[0],"the":[1,4,27,55,58,75,95,118,129,146,149],"advent":[2],"of":[3,40,97,117,128],"e-commerce,":[5],"it":[6,80],"has":[7],"become":[8],"much":[9],"easier":[10],"for":[11,49],"a":[12,46,64,106],"`data":[13],"bandit'":[14],"to":[15,62,67,94],"sit":[16],"in":[17,81,133],"non":[18],"descriptive":[19],"location":[20],"and":[21,78,113,151],"quietly":[22],"siphon":[23],"away":[24],"money":[25],"from":[26],"service":[28,32,65],"users.":[29],"The":[30],"financial":[31],"outlets":[33],"(e.g.":[34],"automated":[35],"teller":[36],"machine":[37],"(ATM),":[38],"point":[39],"sale":[41],"(PoS)":[42],"terminal)":[43],"have":[44],"been":[45],"soft":[47],"target":[48],"these":[50,111],"bandits":[51],"since":[52],"long.":[53],"In":[54,101,123],"existing":[56],"model,":[57],"users":[59],"are":[60],"forced":[61],"trust":[63],"outlet":[66,72,87],"be":[68],"authentic.":[69],"A":[70],"spoofed":[71],"can":[73,144],"collect":[74],"account":[76],"information":[77],"use":[79],"some":[82],"way":[83],"later.":[84],"Installing":[85],"an":[86,90],"is":[88],"also":[89],"expensive":[91],"affair":[92],"due":[93],"need":[96],"dedicated":[98],"network":[99,140],"connectivity.":[100],"this":[102,142],"paper,":[103],"we":[104],"propose":[105],"model":[107,143],"that":[108],"would":[109],"overcome":[110],"security":[112],"cost":[114],"related":[115],"issues":[116],"conventional":[119],"Financial":[120],"Service":[121],"Model.":[122],"developing":[124],"economies,":[125],"where":[126],"two-third":[127],"population":[130],"still":[131],"lives":[132],"rural":[134],"areas":[135],"with":[136],"limited":[137],"or":[138],"no":[139],"connectivity,":[141],"help":[145],"banks":[147],"reach":[148],"masses":[150],"foster":[152],"economic":[153],"growth.":[154]},"counts_by_year":[{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":3},{"year":2016,"cited_by_count":1},{"year":2015,"cited_by_count":2},{"year":2013,"cited_by_count":1},{"year":2012,"cited_by_count":1}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}