Sistemas de pago emergentes con móvil

Los sistemas de pago con móvil son una alternativa de pago a los medios de pago electrónicos tradicionales que están siendo cada vez más utilizados en nuestra sociedad. Son varios los factores que han llevado a la utilización de esta forma alternativa de pago. Los terminales móviles se han convertido en una herramienta casi vital para la sociedad, lo cual ha contribuido a una gran aceptación y desarrollo de los terminales móviles que cada vez cuentan con más funcionalidades. Gracias a esto, las comunicaciones móviles también están en constante evolución y ello ha influido notablemente para que se puedan desarrollar nuevos servicios e implementar nuevas funcionalidades en los terminales móviles. Por otro lado, la tendencia de los usuarios a usar cada día más los sistemas de pago electrónicos, intentando en la medida de lo posible prescindir del dinero en efectivo, también es un factor que ha permitido impulsar el desarrollo de este tipo de sistema de pagos emergentes. En el otro lado se encuentra el mundo empresarial, donde por un lado están las empresas de telecomunicaciones que no quieren dejar escapar esta oportunidad de negocio y están invirtiendo dinero para desarrollar nuevas infraestructuras que permitan el pago con móvil, y por otro lado se encuentran las entidades financieras que son necesarias para poder llevar a cabo los pagos a través del móvil, y por tanto tienen que formar parte de la solución llegando a los acuerdos necesarios con los proveedores de servicios. En este trabajo se realiza un análisis de las diferentes plataformas de pago por móvil existentes en la actualidad, prestando especial atención a los aspectos que tienen que ver con la seguridad y la disponibilidad y acceso de la información bancaria del usuario. Asimismo también se analiza la arquitectura de cada plataforma como su funcionamiento, aclarando la interacción y el papel que juegan las diferentes partes implicadas. Para ello hay un capítulo dedicado a la seguridad donde se presentan conceptos y protocolos que son aplicados en las soluciones de pagos electrónicos, y una descripción de los sistemas de pago electrónicos más usados actualmente, los cuales presentan muchas similitudes con los sistemas de pago con móvil. Por último se recogen diferentes experiencias llevadas a cabo en nuestro país de pagos con móvil, destacando la experiencia de los usuarios así como el método empleado. ABSTRACT. Mobile payment systems are payment methods alternative to traditional electronic payment ones that are being increasingly used in our society. Several factors have led to the use of this alternative form of payment. Mobile terminals have become almost a vital tool for society, which has contributed to a wide acceptance and development of mobile terminals that are getting more features all the time. As a result, mobile communications are also evolving and they have had such a great influence that they have developed new services and implemented new features in mobile terminals. What is more, the growing tendency among users to use electronic payment systems, trying to make their payments whithout cash as often as possible, is also a factor that has allowed the boost the development of such emerging payment systems. The other partner of these systems is the business world, where on one hand, the telecommunication companies that do not want to miss this business opportunity are investing funds to develop new infrastructures which enable the mobile payment, and on the other hand, the financial institutions that are necessary to carry out payments via mobile, and therefore need to be part of the solution reaching the necessary agreements with service providers, want their own saying and their own share of the potential profits. This report is an analysis of the different mobile payment platforms existing today, with particular attention to the aspects that have to do with security and the availability and acces of user’s bank information. Likewise, it also analyzes the architecture of each platform and its operation and interaction procedures, clarifying the role of the different parties involved. Previously there is a chapter that presents security concepts and protocols that are applied in electronic payment solutions, and a description of the electronic trade systems most widely used currently, which have many similarities with mobile payment systems. Finally, it shows different experiments carried out in our country of mobile payments, highlighting the experience of users as well as the method used.

Ion-beam damage induced in SiO2: Excitonic mechanisms under heavy electronic excitation

The Centro de Micro-Análisis de Materiales (CMAM) in the Universidad Autónoma de Madrid is carrying out an extensive research program on the processes induced by high energy heavy mass ions (SHI) on dielectric materials and their photonic applications [1?21]. A significant part of this activity constitutes a relevant contribution to the scientific program associated to the TECHNOFUSION project. It is performed in collaboration with the Instituto de Fusion Nuclear at the UPM, the CIEMAT, the Departamento de Física de Materiales at UAM and several other national institutions (INTA) and international laboratories (GANIL, France), Legnaro Italy, Grenoble?. The program has led to a large number of publications in reputed international journals.

Electronic damage in quartz (c-SiO2) by MeV ion irradiations: Potentiality for optical waveguiding applications

The damage induced on quartz (c-SiO2) by heavy ions (F, O, Br) at MeV energies, where electronic stopping is dominant, has been investigated by RBS/C and optical methods. The two techniques indicate the formation of amorphous layers with an isotropic refractive index (n = 1.475) at fluences around 1014 cm−2 that are associated to electronic mechanisms. The kinetics of the process can be described as the superposition of linear (possibly initial Poisson curve) and sigmoidal (Avrami-type) contributions. The coexistence of the two kinetic regimes may be associated to the differential roles of the amorphous track cores and preamorphous halos. By using ions and energies whose maximum stopping power lies inside the crystal (O at 13 MeV, F at 15 MeV and F at 30 MeV) buried amorphous layer are formed and optical waveguides at the sample surface have been generated.

Comparative study of ion beam-irradiation effects on silica and α-quartz: evidences for excitonic mechanisms

Introduction - SiO 2 •Simple composition and structure; Crystalline and amorphous phases •Adequate for atomistic simulations •Abundant in nature. Relevant for many technologies -Irradiation with swift heavy ions: •They provide EXTREME physical conditions •Very high excitation densities similar to high power lasers •Very high local temperatures •By playing with high energy and heavy mass (SHI) : •One can go from low electronic excitations (collisions regime) to high electronic excitations (electronic regime

Application of the agency theory for the analysis of performance-based mechanisms in road management

El WCTR es un congreso de reconocido prestigio internacional en el ámbito de la investigación del transporte, y aunque las actas publicadas están en formato digital y sin ISSN ni ISBN, lo consideramos lo suficientemente importante como para que se considere en los indicadores. This paper develops a model based on agency theory to analyze road management systems (under the different contract forms available today) that employ a mechanism of performance indicators to establish the payment of the agent. The base assumption is that of asymmetric information between the principal (Public Authorities) and the agent (contractor) and the risk aversion of this latter. It is assumed that the principal may only measure the agent?s performance indirectly and by means of certain performance indicators that may be verified by the authorities. In this model there is presumed to be a relation between the efforts made by the agent and the performance level measured by the corresponding indicators, though it is also considered that there may be dispersion between both variables that gives rise to a certain degree of randomness in the contract. An analysis of the optimal contract has been made on the basis of this model and in accordance with a series of parameters that characterize the economic environment and the particular conditions of road infrastructure. As a result of the analysis made, it is considered that an optimal contract should generally combine a fixed component and a payment in accordance with the performance level obtained. The higher the risk aversion of the agent and the greater the marginal cost of public funds, the lower the impact of this performance-based payment. By way of conclusion, the system of performance indicators should be as broad as possible but should not overweight those indicators that encompass greater randomness in their results.