Payment tokenization is a data security process that replaces sensitive payment information, such as credit card numbers, with a unique identifier or "token." This token can be used in place of actual data during transactions but has no exploitable value if breached, thereby reducing the risk of data theft and fraud. == Overview == Payment tokenization is generally categorized into two types: security tokens and payment tokens. Security tokens, also known as post-authorization tokens, are used to replace sensitive information like Primary Account Numbers (PANs), such as credit card numbers either after a payment is authorized or for storing data securely (data-at-rest), such as in merchant databases. These models have been in use since the mid-2000s, following the introduction of the Payment Card Industry Data Security Standard in 2004, which established standards for safeguarding cardholder data. The Payment Card Industry Security Standards Council's 2011 Tokenization Guidelines and the proposed American National Standards Institute X9 standards emphasize using tokens primarily to secure sensitive information, not as replacements for payment credentials processed over financial networks. Traditionally, merchants stored PANs to support backend operations such as settlements, reconciliations, chargebacks, loyalty programs, and customer service. However, with the adoption of security tokenization, merchants can substitute PANs with tokens in their systems. This not only reduces their exposure to fraud but also helps minimize the scope and cost of PCI-DSS compliance, offering a more secure and efficient way to manage cardholder data. == Applications == Payment tokenization is widely used by mobile wallets such as Apple Pay, Google Pay, and Samsung Pay use tokenization to safely store card data on devices. E-commerce platforms rely on it to securely retain customer payment details for recurring purchases. At the physical point of sale, EMV-enabled systems use tokenization to protect card information during in-store transactions. Also, subscription billing services implement tokenization to manage and safeguard payment credentials for ongoing charges.
Visual hull
A visual hull is a geometric entity created by shape-from-silhouette 3D reconstruction technique introduced by A. Laurentini. This technique assumes the foreground object in an image can be separated from the background. Under this assumption, the original image can be thresholded into a foreground/background binary image, which we call a silhouette image. The foreground mask, known as a silhouette, is the 2D projection of the corresponding 3D foreground object. Along with the camera viewing parameters, the silhouette defines a back-projected generalized cone that contains the actual object; this cone is called a silhouette cone. The intersection of the two silhouette cones defines a visual hull. which is a bounding geometry of the actual 3D object. When the reconstructed geometry is only used for rendering from a different viewpoint, the implicit reconstruction together with rendering can be done using graphics hardware. == In two dimensions == A technique used in some modern touchscreen devices employs cameras placed in the corners situated opposite infrared LEDs. The one-dimensional projection (shadow) of objects on the surface may be used to reconstruct the convex hull of the object. Visual hull generation method has also been used within experimental tele-meeting systems that aim to allow a user in a remote location to interact with virtual objects. The method uses multiple cameras to capture the real-world movements and interactions of the "sender", employing hardware-accelerated volumetric visual hull representation to create 3D volume from 2D multi-view images. Its ultimate aim is to allow 3D collaboration between the two users in the virtual realm, with the visual hull technique reducing the computational power required to allow this type of interaction and enabling the use of consumer goods such as the Wii Remote as a tool for interaction.
Cover-coding
Cover-coding is a technique for obscuring the data that is transmitted over an insecure link, to reduce the risks of snooping. An example of cover-coding would be for the sender to perform a bitwise XOR (exclusive OR) of the original data with a password or random number which is known to both sender and receiver. The resulting cover-coded data is then transmitted from sender to the receiver, who uncovers the original data by performing a further bitwise XOR (exclusive OR) operation on the received data using the same password or random number. ISO 18000-6C (EPC Class 1 Generation 2) RFID tags protect some operations with a cover code. The reader requests a random number from the tag, and the tag responds with a new random number. The reader then encrypts future communications with this number, using bitwise XOR, to the data it sends. Cover coding is secure if the tag signal can't be intercepted and the random number is not re-used. Compared to the loud transmissions from the reader, tag backscatter is much weaker and difficult -- but not impossible -- to intercept.
Internet
The Internet (or internet) is the global system of interconnected computer networks that uses the Internet protocol suite (TCP/IP) to communicate between networks and devices. It is a network of networks that comprises private, public, academic, business, and government networks of local to global scope, linked by electronic, wireless, and optical networking technologies. The Internet carries a vast range of information services and resources, such as the interlinked hypertext documents and applications of the World Wide Web (WWW), electronic mail, discussion groups, internet telephony, streaming media and file sharing. Most traditional communication media, including telephone, radio, television, paper mail, newspapers, and print publishing, have been transformed by the Internet, giving rise to new media such as email, online music, digital newspapers, news aggregators, and audio and video streaming websites. The Internet has enabled and accelerated new forms of personal interaction through instant messaging, Internet forums, and social networking services. Online shopping has also grown to occupy a significant market across industries, enabling firms to extend brick and mortar presences to serve larger markets. Business-to-business and financial services on the Internet affect supply chains across entire industries. The origins of the Internet date back to research that enabled the time-sharing of computer resources, the development of packet switching, and the design of computer networks for data communication. The set of communication protocols to enable internetworking on the Internet arose from research and development commissioned in the 1970s by the Defense Advanced Research Projects Agency (DARPA) of the United States Department of Defense in collaboration with universities and researchers across the United States, United Kingdom and France. The Internet has no single centralized governance in either technological implementation or policies for access and usage. Each constituent network sets its own policies. The overarching definitions of the two principal name spaces on the Internet, the Internet Protocol address (IP address) space and the Domain Name System (DNS), are directed by a maintainer organization, the Internet Corporation for Assigned Names and Numbers (ICANN). The technical underpinning and standardization of the core protocols is an activity of the non-profit Internet Engineering Task Force (IETF). == Terminology == The word internetted was used as early as 1849, meaning interconnected or interwoven. The word Internet was used in 1945 by the United States War Department in a radio operator's manual, and in 1974 as the shorthand form of Internetwork. Today, the term Internet most commonly refers to the global system of interconnected computer networks, though it may also refer to any group of smaller networks. The word Internet may be capitalized as a proper noun, although this is becoming less common. This reflects the tendency in English to capitalize new terms and move them to lowercase as they become familiar. The word is sometimes still capitalized to distinguish the global internet from smaller networks, though many publications, including the AP Stylebook since 2016, recommend the lowercase form in every case. In 2016, the Oxford English Dictionary found that, based on a study of around 2.5 billion printed and online sources, "Internet" was capitalized in 54% of cases. The terms Internet and World Wide Web are often used interchangeably; it is common to speak of "going on the Internet" when using a web browser to view web pages. However, the World Wide Web, or the Web, is only one of a large number of Internet services. It is the global collection of web pages, documents and other web resources linked by hyperlinks and URLs. == History == === 1960s === In the 1960s, computer scientists began developing systems for time-sharing of computer resources. J. C. R. Licklider proposed the idea of a universal network while working at Bolt Beranek & Newman and, later, leading the Information Processing Techniques Office at the Advanced Research Projects Agency (ARPA) of the United States Department of Defense. Research into packet switching, one of the fundamental Internet technologies, started in the work of Paul Baran at RAND in the early 1960s and, independently, Donald Davies at the United Kingdom's National Physical Laboratory in 1965. After the Symposium on Operating Systems Principles in 1967, packet switching from the proposed NPL network was incorporated into the design of the ARPANET, an experimental resource sharing network proposed by ARPA. ARPANET development began with two network nodes which were interconnected between the University of California, Los Angeles and the Stanford Research Institute on 29 October 1969. The third site was at the University of California, Santa Barbara, followed by the University of Utah. === 1970s === By the end of 1971, 15 sites were connected to the young ARPANET. Thereafter, the ARPANET gradually developed into a decentralized communications network, connecting remote centers and military bases in the United States. Other user networks and research networks, such as the Merit Network and CYCLADES, were developed in the late 1960s and early 1970s. Early international collaborations for the ARPANET were rare. Connections were made in 1973 to Norway (NORSAR and, later, NDRE) and to Peter Kirstein's research group at University College London, which provided a gateway to British academic networks, the first internetwork for resource sharing. ARPA projects, the International Network Working Group and commercial initiatives led to the development of various protocols and standards by which multiple separate networks could become a single network, or a network of networks. In 1974, Vint Cerf at Stanford University and Bob Kahn at DARPA published a proposal for "A Protocol for Packet Network Intercommunication". Cerf and his graduate students used the term internet as a shorthand for internetwork in RFC 675. The Internet Experiment Notes and later RFCs repeated this use. The work of Louis Pouzin and Robert Metcalfe had important influences on the resulting TCP/IP design. National PTTs and commercial providers developed the X.25 standard and deployed it on public data networks. === 1980s === The ARPANET initially served as a backbone for the interconnection of regional academic and military networks in the United States to enable resource sharing. Access to the ARPANET was expanded in 1981 when the National Science Foundation (NSF) funded the Computer Science Network (CSNET). In 1982, the Internet Protocol Suite (TCP/IP) was standardized, which facilitated worldwide proliferation of interconnected networks. TCP/IP network access expanded again in 1986 when the National Science Foundation Network (NSFNet) provided access to supercomputer sites in the United States for researchers, first at speeds of 56 kbit/s and later at 1.5 Mbit/s and 45 Mbit/s. The NSFNet expanded into academic and research organizations in Europe, Australia, New Zealand and Japan in 1988–89. Although other network protocols such as UUCP and PTT public data networks had global reach well before this time, this marked the beginning of the Internet as an intercontinental network. Commercial Internet service providers emerged in 1989 in the United States and Australia. The ARPANET was decommissioned in 1990. === 1990s === The linking of commercial networks and enterprises by the early 1990s, as well as the advent of the World Wide Web, marked the beginning of the transition to the modern Internet. Steady advances in semiconductor technology and optical networking created new economic opportunities for commercial involvement in the expansion of the network in its core and for delivering services to the public. In mid-1989, MCI Mail and Compuserve established connections to the Internet, delivering email and public access products to the half million users of the Internet. Just months later, on 1 January 1990, PSInet launched an alternate Internet backbone for commercial use; one of the networks that added to the core of the commercial Internet of later years. In March 1990, the first high-speed T1 (1.5 Mbit/s) link between the NSFNET and Europe was installed between Cornell University and CERN, allowing much more robust communications than were capable with satellites. Later in 1990, Tim Berners-Lee began writing WorldWideWeb, the first web browser, after two years of lobbying CERN management. By Christmas 1990, Berners-Lee had built all the tools necessary for a working Web: the HyperText Transfer Protocol (HTTP) 0.9, the HyperText Markup Language (HTML), the first Web browser (which was also an HTML editor and could access Usenet newsgroups and FTP files), the first HTTP server software (later known as CERN httpd), the first web server, and the first Web pages that described the project itself. In 1991 the
Storyful
Storyful (stylized as storyful.) is a social media intelligence company headquartered in Dublin, Ireland that is a subsidiary of News Corp, offering services such as social news monitoring, video licensing, and reputation risk management tools for corporate clients. The startup was launched as the first social media newswire, a content aggregator, verifying news sources and online content in Dublin in 2010 by Mark Little, a former journalist with RTÉ News. Storyful was acquired by News Corp in 2013 for USD$25 million. == Background == Mark Little, who had worked as a television journalist for RTÉ One, founded startup Storyful in Dublin, Ireland, in 2010, as a service that "verified news sources and online content". According to Nieman Lab, Storyful had a reputation for content aggregation as a social news agency—finding, verifying, distributing, licensing, and commercializing user-generated content, social media and online content from social networking services, including videos about stories in the news, such as the Syrian Civil War, Arab Spring protests, as well as "smaller viral moments". Storyful aimed to provide authority through its verification and monitoring tools while providing authenticity through user-generated content. On 20 December 2013 News Corp purchased Storyful for US$25 million and opened a New York office in the same building as Fox News' main studios. Little left Storyful in 2015 and Gavin Sheridan, Storyful's director of innovation left in 2014. News Corp CEO Robert Thomson said that through Storyful, News Corp would "define the opportunities that the digital landscape presents, rather than simply adapt to them." After the acquisition, the company expanded its service to include "commercial and creative work". After Murdoch acquired the company, from 2014 through to February 2018, losses "swelled", requiring a series of cash injections from News Corp. During that time the company expanded aggressively globally with a staff of about 200 worldwide up from about 30 in 2014. According to The Guardian, in 2016, journalists were encouraged by Storyful to use the social media monitoring software called Verify developed by Storyful. By installing Verify's web browser extension on their computers, Verify would inform the journalists when social media content had been "verified and cleared". The Guardian revealed that through the Verify plugin, dozens of staff in four offices had access to the journalists browsing activity without them knowing. This data allowed Storyful to actively monitor its own clients' activities on social media and to "turn it into an internal feed" at Storyful that "updates in real time". In November 2018, when a video circulated by Infowars' Paul Joseph Watson appeared to prove that CNN's Jim Acosta's contact with a White House intern was a physical blow, Storyful was able to prove that the 15-second-long clip had been doctored. According to a 21 January 2019 article in CNN Business, Rob McDonagh, the editor of Storyful's U.S. news team, had proven that one of the viral videos that served as catalysts in the January 2019 Lincoln Memorial confrontation at 18 January 2019 Indigenous Peoples March, was posted by a suspicious account, under the handle @2020fight. McDonagh's team validates videos and posts before adding them to their "digest", distinguishing true stories from those that are not. Storyful attempts to validate each post or video before including it in its digest. McDonagh reviewed previous content from @2020fight's account, and found it suspicious because it had a high follower count, a "highly polarized and yet inconsistent political messaging", an "unusually high rate of tweets", and "the use of someone else's image in the profile photo." reporter Donie O'Sullivan said that the @2020fight video that had been posted on 18 January, which had 2.5 million views by 22 January, was the one that "helped frame the news cycle". Currently the website offers a service by which video can be commercially brokered. == Services == Services include a newswire service—one of their "core pillars"—and social news monitoring. By February 2018, Storyful was developing "risk and reputation monitoring" services through which they would source and verify social news, fact-checking it and contextualising it for corporate clients. They were "developing tech tools" to "explore obscure or closed networks" for their intelligence team. can use to explore obscure or closed networks. They "track deviations in social conversations around brands and organisations and catch potential risks before they blow up. Like an alerts system." The company "released a re-booted version of its Newswire platform in 2018. According to FORA, Storyful was developing new tools to combat fake news online. == Clients == When Storyful was acquired by News Corp in 2013, the company already had the Wall Street Journal, the BBC, New York Times, YouTube, ITN and Channel 4 News as clients. By 2018 their clients included CNN, ABC News and Fox News, The New York Times, the Washington Post, in the United States, the Australian Broadcasting Corporation and all of News Corp’s own publications. Most of their "reputation-conscious corporate customers" clients prefer to not be named.
Fluency Voice Technology
Fluency Voice Technology was a company that developed and sold packaged speech recognition solutions for use in call centers. Fluency's Speech Recognition solutions are used by call centers worldwide to improve customer service and significantly reduce costs and are available on-premises and hosted. == History == 1998 – Fluency was created as a spin-off from the Voice Research & Development team of a company called netdecisions. This R&D operation was established in Cambridge UK. The focus of the development was speech recognition systems based on the VXML standard. 2001 – Fluency became a separate entity in May 2001. Fluency began the creation of a software development platform specifically aimed at automating call center activities. This platform became Fluency's VoiceRunner. 2002 to 2004 – Fluency establishes accomplishes many successful deployments in customer sites such as National Express and Barclaycard. 2003 – Fluency expanded into the USA. Fluency also acquires Vocalis of Cambridge, UK in August 2003. 2004 – Fluency receives £6 million investment from leading European Venture Capitalists and establishes a global OEM partnership with Avaya, and the acquisition of SRC Telecom. 2008 – Fluency is acquired by Syntellect Ltd == Customers == Call Centers around the world use Fluency to improve service and reduce costs. They include Travelodge, Standard Life Bank, Sutton and East Surrey Water, Pizza Hut, CWT, Barclays, Powergen, First Choice, OutRight, J D Williams, Capital Blue Cross, Chelsea Building Society, EDF, bss, TV Licensing and Capita Software Services.
Human rights and encryption
Human rights and encryption refers to the ways in which digital encryption affects human rights. Encryption can be used as both a detriment and a boon to human rights; for example, encryption can be used to enforce digital rights management for video games. This kind of video game licensing can render software unusable long term and represents the erosion of consumer rights. At the same time, encryption is fundamental part of internet security. Asymmetrical encryption is used extensively online for authentication, providing users confidence their internet traffic is not being misdirected. Encryption is also used to obfuscate information as it travels from end-to-end over the internet, preventing eavesdropping and tampering. Encryption can also provide anonymity, which is an important consideration for freedom of expression. Despite its drawbacks, encryption is essential for a free, open, and trustworthy internet. == Background == === Human rights === Human rights are moral principles or norms for human behaviour that are regularly protected as legal rights in national and international law. They are commonly understood as inalienable, fundamental rights "to which a person is inherently entitled simply because they are a human being". Those rights are "inherent in all human beings" regardless of their nationality, location, language, religion, ethnic origin, or any other status. They are applicable everywhere and at every time and are universal and egalitarian. === Cryptography === Cryptography is a long-standing subfield of both mathematics and computer science. It can generally be defined as "the protection of information and computation using mathematical techniques." Encryption and cryptography are closely interlinked, although "cryptography" has a broader meaning. For example, a digital signature is "cryptography", but not technically "encryption". == Overview == Under international human rights law, freedom of expression is recognized as a human right under Article 19 of the Universal Declaration of Human Rights (UDHR) and the International Covenant on Civil and Political Rights (ICCPR). In Article 19 of the UDHR states that "everyone shall have the right to hold opinions without interference" and "everyone shall have the right to freedom of expression; this right shall include freedom to seek, receive and impart information and ideas of all kinds, regardless of frontiers, either orally, in writing or in print, in the form of art, or through any other media of his choice". Since the 1970s, the availability of digital computing and the invention of public-key cryptography have made encryption more widely available. (Previously, encryption techniques were the domain of nation-state actors.) Cryptographic techniques are also used to protect the anonymity of communicating actors and privacy more generally. The availability and use of encryption continue to lead to complex, important, and highly contentious legal policy debates. Some government agencies have made statements or proposals to lessen such usage and deployment due to hurdles it presents for government access. The rise of commercial end-to-end encryption services have pushed towards more debates around the use of encryption and the legal status of cryptography in general. Encryption, as defined above, is a set of cryptographic techniques to protect information. The normative value of encryption, however, is not fixed but varies with the type and purpose of the cryptographic methods used. Traditionally, encryption (cipher) techniques were used to ensure the confidentiality of communications and prevent access to information and communications by others and intended recipients. Cryptography can also ensure the authenticity of communicating parties and the integrity of communications contents, providing a key ingredient for enabling trust in the digital environment. There is a growing awareness within human rights organizations that encryption plays an important role in realizing a free, open, and trustworthy Internet. UN Special Rapporteur on the promotion and protection of the right to freedom of opinion and expression David Kaye observed, during the Human Rights Council in June 2015, that encryption and anonymity deserve a protected status under the rights to privacy and freedom of expression: "Encryption and anonymity, today's leading vehicles for online security, provide individuals with a means to protect their privacy, empowering them to browse, read, develop and share opinions and information without interference and enabling journalists, civil society organizations, members of ethnic or religious groups, those persecuted because of their sexual orientation or gender identity, activists, scholars, artists and others to exercise the rights to freedom of opinion and expression." == Encryption in media and communication == In the context of media and communication, two types of encryption in media and communication can be distinguished: It could be used as a result of the choice of a service provider or deployed by Internet users. Client-side encryption tools and technologies are relevant for marginalized communities, journalists and other online media actors practicing journalism as a way of protecting their rights. It could prevent unauthorized third party access, but the service provider implementing it would still have access to the relevant user data. End-to-end encryption is an encryption technique that refers to encryption that also prevents service providers themselves from having access to the user's communications. The implementation of these forms of encryption has sparked the most debate since the start of the 21st century. === Service providers deployed techniques to prevent unauthorized third-party access. === Among the most widely deployed cryptographic techniques is the securitization of communications channel between internet users and specific service providers from man-in-the-middle attacks, access by unauthorized third parties. Given the breadth of nuances involved, these cryptographic techniques must be run jointly by both the service user and the service provider in order to work properly. They require service providers, including online news publisher(s) or social network(s), to actively implement them into service design. Users cannot deploy these techniques unilaterally; their deployment is contingent on active participation by the service provider. The TLS protocol, which becomes visible to the normal internet user through the HTTPS header, is widely used for securing online commerce, e-government services and health applications as well as devices that make up networked infrastructures, e.g., routers, cameras. However, although the standard has been around since 1990, the wider spread and evolution of the technology has been slow. As with other cryptographic methods and protocols, the practical challenges related to proper, secure and (wider) deployment are significant and have to be considered. Many service providers still do not implement TLS or do not implement it well. In the context of wireless communications, the use of cryptographic techniques that protect communications from third parties are also important. Different standards have been developed to protect wireless communications: 2G, 3G and 4G standards for communication between mobile phones, base stations and base stations controllers; standards to protect communications between mobile devices and wireless routers ('WLAN'); and standards for local computer networks. One common weakness in these designs is that the transmission points of the wireless communication can access all communications e.g., the telecommunications provider. This vulnerability is exacerbated when wireless protocols only authenticate user devices, but not the wireless access point. Whether the data is stored on a device, or on a local server as in the cloud, there is also a distinction between 'at rest'. Given the vulnerability of cellphones to theft for instance, particular attention may be given to limiting service provided access. This does not exclude the situation that the service provider discloses this information to third parties like other commercial entities or governments. The user needs to trust the service provider to act in their interests. The possibility that a service provider is legally compelled to hand over user information or to interfere with particular communications with particular users, remains. === Privacy-enhancing Technologies === There are services that specifically market themselves with claims not to have access to the content of their users' communication. Service Providers can also take measures that restrict their ability to access information and communication, further increasing the protection of users against access to their information and communications. The integrity of these Privacy Enhancing Technologies (PETs), depends on delicate design decisions as well as the