Business Commons^™

Multi-Step Tokenization Of Automated Clearing House Payment Transactions, Privin Alexander

USF Tampa Graduate Theses and Dissertations

Since its beginnings in 1974, the Automated Clearing House (ACH) network has grown into one of the largest, safest, and most efficient payment systems in the world. An ACH transaction is an electronic funds transfer between bank accounts using a batch processing system.

Currently, the ACH Network moves almost $43 trillion and 25 billion electronic financial transactions each year. With the increasing movement toward an electronic, interconnected and mobile infrastructure, it is critical that electronic payments work safely and efficiently for all users. ACH transactions carry sensitive data, such as a consumer's name, account number, tax identification number, account holder …

Enhancing The Internet Of Things Architecture With Flow Semantics, Allen Ronald Deserranno

USF Tampa Graduate Theses and Dissertations

Internet of Things (‘IoT’) systems are complex, asynchronous solutions often comprised of various software and hardware components developed in isolation of each other. These components function with different degrees of reliability and performance over an inherently unreliable network, the Internet. Many IoT systems are developed within silos that do not provide the ability to communicate or be interoperable with other systems and platforms. Literature exists on how these systems should be designed, how they should interoperate, and how they could be improved, but practice does not always consult literature.

The work brings together a proposed reference architecture for the IoT …

Modeling In Finance And Insurance With Levy-It'o Driven Dynamic Processes Under Semi Markov-Type Switching Regimes And Time Domains, Patrick Armand Assonken Tonfack

USF Tampa Graduate Theses and Dissertations

Mathematical and statistical modeling have been at the forefront of many significant advances in many disciplines in both the academic and industry sectors. From behavioral sciences to hard core quantum mechanics in physics, mathematical modeling has made a compelling argument for its usefulness and its necessity in advancing the current state of knowledge in the 21rst century. In Finance and Insurance in particular, stochastic modeling has proven to be an effective approach in accomplishing a vast array of tasks: risk management, leveraging of investments, prediction, hedging, pricing, insurance, and so on. However, the magnitude of the damage incurred in recent …