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Reputation-Based Model for
Decision Making in the Digital Age
Togar M. Simatupang
Institut Teknologi Bandung dan Institut Teknologi Del
27 Desember 2019
Overview
• Reputation Systems
• Scoring with big data
• Database Diagrams
• Consumer Credit Scoring and Reporting
• Social Credit System
• Apps to Track Student Progress
• Public Domain Application
• Concluding Remarks
2
Game of Reputation
• What do other persons or companies want to know?
• You are who you say you are and you are indeed a good person.
• While lack of availability of data.
• The solution may be social listening for credit scores and analytics.
• A credit score is a number which represents an estimate of an individual’s
reputation.
Reputation systems are programs that allow users to
rate each other in online communities in order to build
trust through reputation.
The challenge:
How to attract good individuals, motivate them to
perform good work, and empower them to get to know
and trust one another enough to collaborate toward the
end goals of the community?
3
What's your reputation around the Mojave?
Source: 10:44 AM - 22 Nov 2019 https://twitter.com/XboxGamePass/status/1197948985853411329
Reputation is defined as how
others view something or
somebody: individual, company,
organization, political party,
country, tourist destination, etc.
4
Process of Reputation
Inception Initiation Interaction Insight Expiration
• Goal setting
• Requirements
• Design
• Prototyping
• Testing
• Risk
Mitigation
• Instalment
• Promotion
• Registration and
Identity
• Objectives
• Character
• Competence
• Authentication
• Mechanism:
quantification,
voting, or
monetization
• Manifestation:
• Communication
• Behavior
• Performance
• Feedback collection
• Database and Engine
• Display (reputation
presentation)
• Support
• Maintenance
• Reputation
Analytics
• Reputation
status with
many
stakeholders
• Evaluation
• Renewing
• Termination
5
A reference model for reputation system
• Reputation is defined as ‘‘the
perception that an agent creates
through past actions about its
intentions and norms” (Mui et al.,
2002).
• Reputation is a tool to facilitate
trust between entities, as it
increases the efficiency and
effectiveness of online services and
communities.
Source: “Reputation systems: A survey and taxonomy” by Ferry Hendrikx, Kris Bubendorfer and
Ryan Chard (2015), Journal of Parallel and Distributed Computing, Volume 75, Pages 184-197
https://doi.org/10.1016/j.jpdc.2014.08.004
6
Reputation System Model
Networks of People
Networks of people refer the group of actors with
common interest in providing or receiving services
through their right of association.
A process is a set of recurrent or periodic linked
activities that transform inputs into outputs. These
processes and activities are governed by policies.
Process and Activities
Database system refers to a set of components that
define and control the collection, storage,
management and use of data. Data is collected from
various sources, from the community, opinions of
actors, activities of actors, and government agencies.
Database System
Reputation platform is a computerized system that
allows actor‐to‐actor and actor‐to‐machine interaction
through which data and information is shared or
exchanged to mediate and automate the process of
assessing one’s reputation, i.e. tracking and tracing of
user’s actions and displaying visualizations, formal
reports, dashboard, and ad-hoc analysis.
Reputation Platform
Used by
Monitored on
• Reputation systems are programs that allow actors to rate each other in online communities in order to build trust through reputation.
• A reputation system model describes all of the reputation statements, events, and processes for a particular context.
Reviewed on
Data sources
Informed by
Provides measures of reputation,
trustworthiness or reliability of
entities in the same community
7
Examples of Reputation Systems
Online reputation systems
• E-market places like eBay
• Opinions and activity sharing sites like
Epinions, Del.icio.us, LastFm
• Business/Jobs network sites like Linkedin.com
& Ryze.com
• Social/entertainment sites like Friendster.com
& Facebook
• News site like Kuroshin.org, Slashdot, & Zdnet
• The Web/Semantic Web as for anyone who
publish anything - decentralized way
• P2P networks where peer clients share
opinions about other peers
Collective reputation systems
• Sharing economy
• Reputation Marketing System
• Social Credit Scoring
Source: “Enabling Usage Control through Reputation Objects: A Discussion on e-Commerce and the Internet of Services Environments” by Rehab Alnemr,
Stefan Koenig, Torsten Eymann and Christoph Meinel (2010) Journal of Theoretical and Applied Electronic Commerce Research
ISSN 0718-1876 Electronic Version VOL 5 / ISSUE 2 / AUGUST 2010 / 59-76
https://scielo.conicyt.cl/scielo.php?script=sci_arttext&pid=S0718-18762010000200005 8
Maintaining effective reputation systems
Properties of Effective Reputation
Systems
1. Entities must have a long lifetime and
create accurate expectations of future
interactions.
2. They must capture and distribute feedback
about prior interactions.
3. They must use feedback to guide trust.
Eliciting user feedback can have three
related problems
1. The willingness of users to provide
feedback when the option to do so is not
required.
2. Gaining negative feedback from users.
Many factors contribute to users not
wanting to give negative feedback, the
most prominent being a fear of retaliation.
3. Eliciting honest feedback from users.
Although there is no concrete method for
ensuring the truthfulness of feedback, if a
community of honest feedback is
established, new users will be more likely
to give honest feedback as well.
Source: Josang, Audun (2000). "A survey of trust and reputation systems for online service provision". Decision Support Systems. 45 (2): 618–644.
CiteSeerX 10.1.1.687.1838. doi:10.1016/j.dss.2005.05.019
Keyword:
• Identity
• Data (feedback, sensing)
• Algorithm
9
What is Identity and Access Management?
Sumber: “Open Source Tools for Identity and Access Management” by Subbarao Mohan Ganga
Karuna Surya Talla, October 15, 2019
https://www.innominds.com/blog/open-source-tools-for-identity-and-access-management
• Identity and Access Management
(IAM) is the set of business policies,
processes, and a supporting
infrastructure for managing the
creation, maintenance and use of
digital identities.
• Identity & Access Management is a
framework used to implement an
extra layer of security for enterprise
web applications, APIs, enterprise
user life cycle management and
enterprise applications access
provisioning to external
users/vendors.
10
Digital Identity Model and Services
Digital Identity Model
Source: “Digital Identity Guidelines” by Paul A. Grassi, Michael E. Garcia and James L. Fenton
https://pages.nist.gov/800-63-3/sp800-63-3.html
11
Registration and identity management tools and
applications
Source: “The Population Registration and Identity Management Eco-System (PRIMES)”
https://www.unhcr.org/registration-guidance/chapter3/registration-tools/
12
Electronic Registration Identification (ERI)
• Registrasi dan Identifikasi menurut Perkap No. 5 Tahun 2012:
• Registrasi dan Identifikasi Kendaraan Bermotor yang
selanjutnya disingkat Regident Ranmor adalah fungsi
Kepolisian untuk memberikan legitimasi asal usul dan
kelaikan, kepemilikan serta pengoperasian Ranmor,
fungsi kontrol, forensik Kepolisian dan pelayanan
kepada masyarakat melalui verifikasi, pencatatan dan
pendataan, penomoran, penerbitan dan pemberian
bukti registrasi dan identifikasi Ranmor, pengarsipan
serta pemberian informasi.
• ERI adalah sistem data besar untuk kendaraan bermotor
• ERI diterapkan dengan cara melakukan pemasangan chip
pada STNK, Menempelkan Rapid Stain Identification Series
(RSID) pada nomor kendaraan, atau dengan memasang
Quick Response (QR)
• ERI diperlukan untuk mendukung program-program
elektronik yang diterapkan pemerintah, membantu input
data dan memudahkan program elektonik tilang (e-tilang)
Sumber: http://www.prfmnews.com/berita.php?detail=polri-siap-luncurkan-eri
Note: ISO 24534-1:2010 Automatic Vehicle And Equipment Identification - Electronic
Registration Identification (ERI) For Vehicles - Part 1: Architecture
13
What information should your reputation system focus on?
Source: “Online Reputation Systems: How to Design One That Does What You Need”, by Chrysanthos Dellarocas, Magazine: Spring April 01, 2010.
https://sloanreview.mit.edu/article/online-reputation-systems-how-to-design-one-that-does-what-you-need/ 14
Time-tracking Solutions
Source: “Top Time Tracking Apps For Different Business Sizes And
Needs” June 11, 2019 by Blaž Kos
https://myhours.com/blog/best-time-tracking-apps
15
Design framework of a reputation system
Source: “Introducing a design framework for reputation systems in multi-tier production
communities”, by Pujan Ziaie and Helmut Krcmar in Digital Creativity 23(2) · June 2012
DOI: 10.1080/14626268.2012.709946
16
Reputation Management System with Quality of Experience
(QoE) and DSS interrogation interfaces
Source: “Towards Quality of Experience-based Reputation Models for Future Web Service Provisioning”, Conference
Paper in Telecommunication Systems 51(4) · June 2009
DOI: 10.1007/s11235-011-9435-2
17
Software Service Quality
and Trustworthiness
Source: “Assessing Software Service Quality and Trustworthiness at Selection Time” by Noura
Limam and Raouf Boutaba (2010), published in IEEE Transactions on Software Engineering
DOI:10.1109/TSE.2010.2
https://www.semanticscholar.org/paper/Assessing-Software-Service-Quality-and-at-Selection-
Limam-Boutaba/53fcdf41ec209902e34cdd29983d3600f96cd015
18
Source: “Reputation Marketing”
http://internetmarketerinc.com/
product/reputation-marketing/
Reputation
Marketing
System
19
Challenge:
Scoring with big data
Source: “Scoring with big data” by Tan Zhai Yun, The Edge Malaysia, March 13,
2018 11:30 am +08
https://www.theedgemarkets.com/article/cover-story-scoring-big-data 20
Database Diagrams
21
Source: “Data Lakes in a Modern Data Architecture”
https://www.blue-granite.com/data-lakes-in-a-modern-data-architecture-ebook
Data Lakes in a Modern Data Architecture
22
Source: “Enterprise Data Architecture Framework” by Dmitrii
Kovalchuk
https://hubdesigns.wordpress.com/2015/11/09/transforming-
national-companies-part-2-enterprise-data-architecture-by-
dmitrii-kovalchuk/
http://www.iso-architecture.org/ieee-1471/afs/frameworks-
table.html
Recommended standards/frameworks to
develop this Enterprise Data Architecture
Framework:
• The DAMA Guide to the Data Management
Body of Knowledge (DAMA-DMBOK Guide)
• The Zachman Framework™
• TOGAF®, an Open Group standard
• The Information Framework (SID),
component of Frameworx, the TM Forum
Enterprise Data
Architecture Framework
23
Landscape and categorization of the high
variety of existing database systems
Source: H. Lim, Y. Han, and S. Babu, “How to Fit when No One Size Fits.,” in CIDR, 2013
24
25
Main Phases of Database Design
Source: Fundamentals of Database Systems, by Ramez Elmasri
and Shamkant B. Navathe, Addison-Wesley, 2011.
http://www.cs.montana.edu/~halla/csci440/index.html
26
Nine Interrelated
Diagrams in the
UML (Unified
Modeling
Language)
Source: “Developing Sequence Diagrams in UML”
by Il-Yeol Song (2001) in Computer Science
DOI:10.1007/3-540-45581-7_28 27
General schema of IoT
Source: “An IoT-Based Computational Framework for Healthcare Monitoring in Mobile Environments” by Higinio Mora,
David Gil, Rafael Muñoz Terol, Jorge Azorín and Julian Szymanski in Sensors 2017, 17, 2302; doi:10.3390/s17102302
28
High-level Data Flow in IoT Solutions
Source: “A Survey on Internet of Things From Industrial Market Perspective” in IEEE Access
2:1660-1679 by Charith Perera et al. (January 2015) DOI: 10.1109/ACCESS.2015.2389854
29
IoT network types, data flow in IoT, data flow in IoT
with blockchain technology
Source: “Blockchain technology for security issues and challenges in IoT” in Procedia Computer Science 132:1815–1823 · June 2018 DOI:
10.1016/j.procs.2018.05.140
https://www.researchgate.net/publication/325661355_Blockchain_technology_for_security_issues_and_challenges_in_IoT
30
Reputation Technology
31
Source: “Dean of Big Data Driving the Snakes of Data Science Out of Ireland” Posted by Bill Schmarzo on November 15, 2018
https://www.datasciencecentral.com/profiles/blogs/dean-of-big-data-driving-the-snakes-of-data-science-out-of 32
Consumer Credit Scores
33
34
Source: “Your Credit Score – How Does It Actually Work?”
by Neena Vlamis (2017)
https://www.anmtg.com/mortgage-blog/faqs/credit-score/
How Is Your Credit
Score Calculated?
35
What do Credit Reporting Agencies do?
• A credit score is a
numerical expression
based on the person’s
credit profile analysis,
which indicates the
credibility of the person.
• The credit score is mainly
derived from credit
bureaus based on credit
report information
36
Credit Scoring Models
Sources: “To Analyze The Effect of Credit Scoring on the Capital Structure
Decisions of a Firm: Case of Retail Industry” · July 2017
DOI: 10.13140/RG.2.2.22717.36323 37
Two Major Credit Scoring Models
Source: https://grizzle.com/credit-scoring-models/ 38
Parties Involved in Credit Scoring
39
What do Credit Reporting Agencies do?
40
41
Source: “Scoring with big data” by Tan Zhai Yun, The Edge
Malaysia, March 13, 2018 11:30 am +08
https://www.theedgemarkets.com/article/cover-story-
scoring-big-data
Credit Bureaus:
creating credit scorecards
using non-traditional data
• LenddoEFL (Singapore)
• CredoLab - CredoApp
• Experian (Indonesia)
• FICO (India)
• M-Pesa (Kenya)
• M-Shwari (Tanzania)
• Tala (Kenya)
• Sesame Credit (Alipay)
42
Social Scoring System
43
Citizenship by
Social Credit Scores
Source: “The wrest band – An artifact from the future” by
surayyn.uthaya.selvan
March 18, 2019
http://www.iaacblog.com/programs/wresist-band/
The Social Credit System (Chinese: 社会信用
体系; pinyin: shèhuì xìnyòng tǐxì) is a
national reputation system being developed
by the Chinese.
44
Citizenship by
Social Credit Scores
Source: “The wrest band – An artifact from the future” by
surayyn.uthaya.selvan
March 18, 2019
http://www.iaacblog.com/programs/wresist-band/
45
The Chinese social credit system:
Zhima Credit
• “Social credit” is referred-to by the Chinese government
as a ‘broad range of efforts to improve market security
and public safety by increasing integrity and mutual trust
in society’.
• Main objective of social credit is to ensure compliance
with legal obligations.
• An effort to nudge people towards good social behaviour,
ranging from energy conservation to charity work.
• A social credit score tracks more than just how good you
are with money, it involves a collaboration between the
government and financial institutions which ranks people
based on their everyday actions.
• Appears as an app as part of the extensive Alipay mobile
payments ecosystem: a system that is designed to make
your life easier and seamless.
• Zhima Credit “will ensure the bad people in society don’t
have a place to go, while good people can move freely and
without obstruction”.
• Lucy Peng, CEO of Ant Financial 46
47
48
49
50
51
52
53
54
55
56
Incentives and Penalties
57
58
SA’s New Demerit System
• Each driver will start off with zero points. The maximum permissible number of points is 12.
• Points work on an accumulative basis with a different number of points assigned to specific traffic
infringements, together with a fine.
• If a driver accumulates 12 or more points, their licence will be suspended for a period of three
months.
• Points will be reduced by one point every three months.
• These are the amount of points allocated for various offenses:
• Driving without a licence equals four demerit points;
• Driving under the influence of an intoxicating substance will be six demerit points (determined by court);
• Using and holding cell phone while driving will be one demerit point;
• Speeding can be anywhere from two to six points depending on the speed limit (determined by court);
• Skipping a stop sign (light vehicles) is one demerit point and for buses and trucks it is two points.
• Several European countries already make use of a demerit points system and this has been
adapted for South African road users.
Source: The Administrative Adjudication of Road Traffic Offences (Aarto) Bill 59
Apps to Track Student Progress:
Student achievement tracking system
60
3-Star learning
experiences
Source: Hattie, J., & Timperley, H., (2007). The power of feedback. Review of Educational Research, 77(1), 81-112.
doi: 10.3102/003465430298487
https://3starlearningexperiences.wordpress.com/2018/06/05/no-feedback-no-learning/
61
Four-stage Model of
Self-regulated
Learning
Source: Winne, P. H., & Hadwin, A. F. (1998). Studying as self-regulated
learning. Metacognition in educational theory and practice, 93, 27–30.
62
63
An instructional framework of self-regulated
learning in digital environments
Source: Johnson, G. M., & Davies, S. M. (2014). Self-Regulated Learning in Digital Environments: Theory, Research,
Praxis. British Journal of Research, 68-80.
64
65
Using Webb's Depth of Knowledge (DOK) Levels with
standards-based grading (SBG)
66
How Blockchain Will Transform Education
According to a new report by the Joint Research Centre (JRC), the European Commission's science and knowledge service,
Blockchain will end paper based certificates, automate the award, recognition and transfer of credits, increase learner
ownership and control over their own data, reduce institutional data costs and risk--but only if open standards are adopted.
The JRC report points to likely benefits from blockchain including:
• Self-sovereignty: users identify themselves while maintaining control over the storage and management of their personal data;
• Trust: infrastructure that gives people enough confidence in its operations to carry through with transactions such as payments or the
issue of certificates;
• Transparency: conduct transactions in knowledge that each party has the capacity to enter into that transaction;
• Immutability: records written and stored permanently without the possibility of modification;
• Disintermediation: removal of the need for a central controlling authority to manage transactions or keep records; and
• Collaboration: the ability of parties to transact directly with each other without the need for mediating third parties 67
68
Source: “Adaptive Learning” by Seong Hwang Oct 26, 2015
https://medium.com/blended-learnings/adaptive-learning-e52d53413b3b
Adaptive Learning
69
70
My Study Life-School Planner
Source: “13 Best Apps for College Students” Posted on Thursday July 11, 2019
https://www.redbytes.in/best-apps-for-college-students/
Best for college students, My Study Life-School Planner is a fantastic app to keep the track of everything during
your college time.
71
Docebo:
“Align the training needs of your organization with those of your learners with an LMS that uses learning-
specific artificial intelligence algorithms to produce deeper and more effective learning experiences.”
72
App Gamification
Source: “7 of the Best Examples of App Gamification” by Anjali Jain, June 6, 2018
https://clevertap.com/blog/best-examples-of-app-gamification/
Byju’s – Gamification for Education
• Byju’s uses gamification by allowing students to play games, earn reward
points, and challenge each other through different quizzes and
competitions.
• Competing with each other motivates students to work for better results.
73
Public Domain Applications
74
IoT Applications
Source: J. Gubbi, R. Buyya, S. Marusic, and M. Palaniswami, ‘‘Internet of Things(IoT): A vision, architectural elements, and future directions,’’
FutureGenerat. Comput. Syst., vol. 29, no. 7, pp. 1645–1660, 2013.
75
A system that quantitatively visualizes the actions
of each individual worker
Source: “Hitach Launches "Moving State Management Service' For Construction Workers” posted on March 25, 2017
http://www.asiabiznews.net/asia-tender-business-news/134492-Hitach-Launches-Moving-State-Management-Service-For-Construction-Workers.html
76
Cash Transfer Schemes
• Direct Benefit Cash Transfer or DBT is an anti-poverty program launched by Government of India on 1 January
2013.
• This program aims to transfer subsidies directly to the people living below poverty Line.
• Web portals such as dbtbharat.gov.in, https://dbtdacfw.gov.in/Home.aspx, and
http://dbt.punecorporation.org/app/index.html#!/ have been launched to centralize all the DBT schemes for
easy data access and monitoring.
• INTERNATIONAL PRACTICES:
• Cash Transfer schemes originated in middle-income Latin American countries.
• In Asia, Bangladesh had a Female Stipend Program as early as 1982 followed by a Food for Education
Program in 1993. Food grants were later converted to cash grants in 2002.
• Several countries including Jamaica, Philippines, Turkey, Chile, Mexico, Indonesia, South Africa, Morocco
and United States have adopted this system in the form of Conditional Cash Transfer (CCT) programs.
• The largest and the most successful conditional cash transfer program is the Bolsa Família that provided
100 percent of Brazil's poor in 2007.
77
Source: “Will Direct cash transfer be a better reform than fuel and fertiliser subsidy?” by
Avinash Celestine, ET Bureau: Jul 04, 2011.
https://economictimes.indiatimes.com/news/economy/policy/will-direct-cash-transfer-
be-a-better-reform-than-fuel-and-fertiliser-subsidy/articleshow/9082429.cms
The Cash Transfer System
• Instead of giving the consumer food, LPG, kerosene or
even fertiliser (to farmers), give them cash or special
coupons with which to buy what they need directly from
the market.
• Using the cash, the poor family can then buy the food (or
kerosene) they need from the market — at market prices.
• The incentive problem — the incentive for nonpoor to
declare themselves poor may get bigger under the cash
transfer system.
• “How do you identify the person, or the family, to
give it to?”
78
Source: “All About Direct Benefit Transfer (DBT) Scheme”, February 26, 2018
https://new.ask.careers/blogs/direct-benefit-transfer-dbt-scheme/
http://vikaspedia.in/social-welfare/direct-benefit-transfer/direct-benefit-transfer-of-lpg-dbtl-scheme
The Direct Benefit Transfer
(DBT) Scheme for LPG
• Direct Benefit Transfer for LPG consumer (DBTL) is
the scheme aimed to improve the subsidy
administration of LPD across the country.
• As per this scheme an LPG consumer will get his/her
cylinder at full market price and the differential
between subsidized price and full market price, i.e.
the subsidy will be transferred to his/her bank
account up to a capped limit (9 cylinders in a year).
• The following are the standard steps of DBT:
• Identification of the beneficiaries and updating
their records in a digital database
• Opening the bank accounts of the eligible
beneficiaries
• Enrolling the beneficiaries in Aadhaar
• Linking of beneficiaries’ Aadhaar with their bank
accounts
• Transfer of funds
79
Source: “Case of Oil Subsidies: Are we stealing from future generations?”, Published on May 15, 2014
https://www.slideshare.net/ghouse1508/iim-calcutta-ctown-sleuths
80
Source: “Case of Oil Subsidies: Are we stealing from future generations?”, Published on May 15, 2014
https://www.slideshare.net/ghouse1508/iim-calcutta-ctown-sleuths
81
Source: “Using Blockchain To Transform Direct Benefit Transfer (DBT) in India”, by Shwetank Verma and Subhajit Mandal, February 23, 2018
https://gomedici.com/using-blockchain-transform-direct-benefit-transfer-dbt-india/
The Current system of Direct Benefit Transfer (DBT)
82
Source: “Using Blockchain To Transform Direct Benefit Transfer (DBT) in India”, by Shwetank Verma and Subhajit Mandal, February 23, 2018
https://gomedici.com/using-blockchain-transform-direct-benefit-transfer-dbt-india/
Using Blockchain To Transform Direct Benefit
Transfer (DBT)
83
Which Governments Are Using
Blockchain Right Now?
• Germany
• The Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH established a ‘Blockchain Lab’ to
leverage the potential of blockchain and related technologies in efforts to reach the United Nations
Sustainable Development Goals.
• Malta
• The Malta Business Registry will adopt blockchain technology with an aim to increase efficiency and
modernize business processes.
• Netherlands
• The Netherlands Enterprise Agency in the Municipality of Zuidhorn won the Small Business Innovation
Research (SBIR) competition with a project that brings financial support for children living in poverty.
• United Kingdom
• The U.K.’s Food Standards Agency (FSA) completed a pilot to track the distribution of meat in a cattle
slaughterhouse using blockchain. This trial marked the first time that blockchain technology has been used as
a regulatory tool to ensure compliance in the food industry.
• Tanzania
• Tanzanian government eliminated 10,000 ghost workers from the public sector by utilizing blockchain
technology to audit the public payroll. This step has saved ~4.5 billion Tanzanian shillings (USD 195.4 million),
which are paid on a monthly basis to the ghost workers.
Source: “Which Governments Are Using Blockchain Right Now?”, by ConsenSys, Posted on November 18, 2019
https://consensys.net/blog/enterprise-blockchain/which-governments-are-using-blockchain-right-now/ 84
NaftaPOS - Front-Office Software for Petrol Stations
• Front-Office software "NaftaPOS" is
intended for control over
technological processes,
automated measurement and
commercial account at petrol
stations and storage depots.
• Area of application – petrol stations
for dispensing of light petroleum
products, diesel fuel, liquified
petroleum gas LPG, compressed
natural gas CNG, multifuel petrol
stations, petroleum storage depots.
85
Fuel Station Management Automation Systems
86
Web reporting system and online monitoring for petrol stations
• NaftaPOS software leads a
database, where it stores all the
sales and operations.
• Using its data it is possible to
monitor the petrol station
remotely.
• The web-portal serves to provide:
• formation of reports on operation
of petrol stations in various views
for analytics and statistics of
petrol stations activity to provide
decisions for optimization of
petrol stations operation.
• online monitoring of each petrol
station activity (fuel dispensers
operation, remains and
parameters of fuel in tanks,
current working shift operations)
to provide control over personnel
at petrol station and security.
87
Automatic Vehicle Identification and Cashless Payment Solutions
• EasyFuelPlus utilizes a safe and secure system of RF
tags and transmitters attached to pump nozzles and
vehicles, all designed to meet the requirements for
operating in a hazardous area
• Only when the correct fuel is selected and the nozzle
fully inserted in the fuel tank inlet will the
transaction be approved and fuel dispensed into the
vehicle
• Electronic payment is made automatically and
without any human intervention
• EasyFuelPlus is fully secure, supports advanced
business rules and can imitate traditional fleet/fuel
cards
• EasyFuelPlus can be linked to a bank account or
credit card, replacing the need for consumers to
produce a card on-site
• EasyFuelPlus can operate in conjunction with a
mobile payment program, securing the mobile
payment to the authorized vehicle
Source: “Automated Fuel Management Solutions for Oil Companies, Forecourt Operators and Fleet Managers”
https://www.otipetrosmart.com/solutions/retail-petroleum/?cn-reloaded=1
88
Consortium blockchain-based reputation management
for secure federated learning
Source: “Reliable Federated Learning for Mobile Networks” by Jiawen Kang, Zehui Xiong, Dusit Niyato, Yuze Zou, Yang Zhang, Mohsen Guizani
https://arxiv.org/pdf/1910.06837v1.pdf
89
Delapan (8) Aksi Peningkatan Integrasi Intervensi Gizi pada Rumah
Tangga 1000 HPK
Sumber: “Monitoring pelaksanaan konvergensi intervensi penurunan stunting terintegrasi”
http://aksi.bangda.kemendagri.go.id/
90
Concluding Remarks
91
Concluding remarks
• Reputation system is important to monitor the assessment of actors
in the closed or open digital community.
• It can be embedded as API or part of interaction platform.
• The essential components of a reputation system model are
registration and identification in a network of people, process, data,
and reputation system that consists of reputation algorithm and
visualization.
• Many facets of reputation system appear in digital platform and can
be provide as reputation as a service (raas).
92
Thank You
93

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Reputation based model for decision making in the digital age

  • 1. Reputation-Based Model for Decision Making in the Digital Age Togar M. Simatupang Institut Teknologi Bandung dan Institut Teknologi Del 27 Desember 2019
  • 2. Overview • Reputation Systems • Scoring with big data • Database Diagrams • Consumer Credit Scoring and Reporting • Social Credit System • Apps to Track Student Progress • Public Domain Application • Concluding Remarks 2
  • 3. Game of Reputation • What do other persons or companies want to know? • You are who you say you are and you are indeed a good person. • While lack of availability of data. • The solution may be social listening for credit scores and analytics. • A credit score is a number which represents an estimate of an individual’s reputation. Reputation systems are programs that allow users to rate each other in online communities in order to build trust through reputation. The challenge: How to attract good individuals, motivate them to perform good work, and empower them to get to know and trust one another enough to collaborate toward the end goals of the community? 3
  • 4. What's your reputation around the Mojave? Source: 10:44 AM - 22 Nov 2019 https://twitter.com/XboxGamePass/status/1197948985853411329 Reputation is defined as how others view something or somebody: individual, company, organization, political party, country, tourist destination, etc. 4
  • 5. Process of Reputation Inception Initiation Interaction Insight Expiration • Goal setting • Requirements • Design • Prototyping • Testing • Risk Mitigation • Instalment • Promotion • Registration and Identity • Objectives • Character • Competence • Authentication • Mechanism: quantification, voting, or monetization • Manifestation: • Communication • Behavior • Performance • Feedback collection • Database and Engine • Display (reputation presentation) • Support • Maintenance • Reputation Analytics • Reputation status with many stakeholders • Evaluation • Renewing • Termination 5
  • 6. A reference model for reputation system • Reputation is defined as ‘‘the perception that an agent creates through past actions about its intentions and norms” (Mui et al., 2002). • Reputation is a tool to facilitate trust between entities, as it increases the efficiency and effectiveness of online services and communities. Source: “Reputation systems: A survey and taxonomy” by Ferry Hendrikx, Kris Bubendorfer and Ryan Chard (2015), Journal of Parallel and Distributed Computing, Volume 75, Pages 184-197 https://doi.org/10.1016/j.jpdc.2014.08.004 6
  • 7. Reputation System Model Networks of People Networks of people refer the group of actors with common interest in providing or receiving services through their right of association. A process is a set of recurrent or periodic linked activities that transform inputs into outputs. These processes and activities are governed by policies. Process and Activities Database system refers to a set of components that define and control the collection, storage, management and use of data. Data is collected from various sources, from the community, opinions of actors, activities of actors, and government agencies. Database System Reputation platform is a computerized system that allows actor‐to‐actor and actor‐to‐machine interaction through which data and information is shared or exchanged to mediate and automate the process of assessing one’s reputation, i.e. tracking and tracing of user’s actions and displaying visualizations, formal reports, dashboard, and ad-hoc analysis. Reputation Platform Used by Monitored on • Reputation systems are programs that allow actors to rate each other in online communities in order to build trust through reputation. • A reputation system model describes all of the reputation statements, events, and processes for a particular context. Reviewed on Data sources Informed by Provides measures of reputation, trustworthiness or reliability of entities in the same community 7
  • 8. Examples of Reputation Systems Online reputation systems • E-market places like eBay • Opinions and activity sharing sites like Epinions, Del.icio.us, LastFm • Business/Jobs network sites like Linkedin.com & Ryze.com • Social/entertainment sites like Friendster.com & Facebook • News site like Kuroshin.org, Slashdot, & Zdnet • The Web/Semantic Web as for anyone who publish anything - decentralized way • P2P networks where peer clients share opinions about other peers Collective reputation systems • Sharing economy • Reputation Marketing System • Social Credit Scoring Source: “Enabling Usage Control through Reputation Objects: A Discussion on e-Commerce and the Internet of Services Environments” by Rehab Alnemr, Stefan Koenig, Torsten Eymann and Christoph Meinel (2010) Journal of Theoretical and Applied Electronic Commerce Research ISSN 0718-1876 Electronic Version VOL 5 / ISSUE 2 / AUGUST 2010 / 59-76 https://scielo.conicyt.cl/scielo.php?script=sci_arttext&pid=S0718-18762010000200005 8
  • 9. Maintaining effective reputation systems Properties of Effective Reputation Systems 1. Entities must have a long lifetime and create accurate expectations of future interactions. 2. They must capture and distribute feedback about prior interactions. 3. They must use feedback to guide trust. Eliciting user feedback can have three related problems 1. The willingness of users to provide feedback when the option to do so is not required. 2. Gaining negative feedback from users. Many factors contribute to users not wanting to give negative feedback, the most prominent being a fear of retaliation. 3. Eliciting honest feedback from users. Although there is no concrete method for ensuring the truthfulness of feedback, if a community of honest feedback is established, new users will be more likely to give honest feedback as well. Source: Josang, Audun (2000). "A survey of trust and reputation systems for online service provision". Decision Support Systems. 45 (2): 618–644. CiteSeerX 10.1.1.687.1838. doi:10.1016/j.dss.2005.05.019 Keyword: • Identity • Data (feedback, sensing) • Algorithm 9
  • 10. What is Identity and Access Management? Sumber: “Open Source Tools for Identity and Access Management” by Subbarao Mohan Ganga Karuna Surya Talla, October 15, 2019 https://www.innominds.com/blog/open-source-tools-for-identity-and-access-management • Identity and Access Management (IAM) is the set of business policies, processes, and a supporting infrastructure for managing the creation, maintenance and use of digital identities. • Identity & Access Management is a framework used to implement an extra layer of security for enterprise web applications, APIs, enterprise user life cycle management and enterprise applications access provisioning to external users/vendors. 10
  • 11. Digital Identity Model and Services Digital Identity Model Source: “Digital Identity Guidelines” by Paul A. Grassi, Michael E. Garcia and James L. Fenton https://pages.nist.gov/800-63-3/sp800-63-3.html 11
  • 12. Registration and identity management tools and applications Source: “The Population Registration and Identity Management Eco-System (PRIMES)” https://www.unhcr.org/registration-guidance/chapter3/registration-tools/ 12
  • 13. Electronic Registration Identification (ERI) • Registrasi dan Identifikasi menurut Perkap No. 5 Tahun 2012: • Registrasi dan Identifikasi Kendaraan Bermotor yang selanjutnya disingkat Regident Ranmor adalah fungsi Kepolisian untuk memberikan legitimasi asal usul dan kelaikan, kepemilikan serta pengoperasian Ranmor, fungsi kontrol, forensik Kepolisian dan pelayanan kepada masyarakat melalui verifikasi, pencatatan dan pendataan, penomoran, penerbitan dan pemberian bukti registrasi dan identifikasi Ranmor, pengarsipan serta pemberian informasi. • ERI adalah sistem data besar untuk kendaraan bermotor • ERI diterapkan dengan cara melakukan pemasangan chip pada STNK, Menempelkan Rapid Stain Identification Series (RSID) pada nomor kendaraan, atau dengan memasang Quick Response (QR) • ERI diperlukan untuk mendukung program-program elektronik yang diterapkan pemerintah, membantu input data dan memudahkan program elektonik tilang (e-tilang) Sumber: http://www.prfmnews.com/berita.php?detail=polri-siap-luncurkan-eri Note: ISO 24534-1:2010 Automatic Vehicle And Equipment Identification - Electronic Registration Identification (ERI) For Vehicles - Part 1: Architecture 13
  • 14. What information should your reputation system focus on? Source: “Online Reputation Systems: How to Design One That Does What You Need”, by Chrysanthos Dellarocas, Magazine: Spring April 01, 2010. https://sloanreview.mit.edu/article/online-reputation-systems-how-to-design-one-that-does-what-you-need/ 14
  • 15. Time-tracking Solutions Source: “Top Time Tracking Apps For Different Business Sizes And Needs” June 11, 2019 by Blaž Kos https://myhours.com/blog/best-time-tracking-apps 15
  • 16. Design framework of a reputation system Source: “Introducing a design framework for reputation systems in multi-tier production communities”, by Pujan Ziaie and Helmut Krcmar in Digital Creativity 23(2) · June 2012 DOI: 10.1080/14626268.2012.709946 16
  • 17. Reputation Management System with Quality of Experience (QoE) and DSS interrogation interfaces Source: “Towards Quality of Experience-based Reputation Models for Future Web Service Provisioning”, Conference Paper in Telecommunication Systems 51(4) · June 2009 DOI: 10.1007/s11235-011-9435-2 17
  • 18. Software Service Quality and Trustworthiness Source: “Assessing Software Service Quality and Trustworthiness at Selection Time” by Noura Limam and Raouf Boutaba (2010), published in IEEE Transactions on Software Engineering DOI:10.1109/TSE.2010.2 https://www.semanticscholar.org/paper/Assessing-Software-Service-Quality-and-at-Selection- Limam-Boutaba/53fcdf41ec209902e34cdd29983d3600f96cd015 18
  • 20. Challenge: Scoring with big data Source: “Scoring with big data” by Tan Zhai Yun, The Edge Malaysia, March 13, 2018 11:30 am +08 https://www.theedgemarkets.com/article/cover-story-scoring-big-data 20
  • 22. Source: “Data Lakes in a Modern Data Architecture” https://www.blue-granite.com/data-lakes-in-a-modern-data-architecture-ebook Data Lakes in a Modern Data Architecture 22
  • 23. Source: “Enterprise Data Architecture Framework” by Dmitrii Kovalchuk https://hubdesigns.wordpress.com/2015/11/09/transforming- national-companies-part-2-enterprise-data-architecture-by- dmitrii-kovalchuk/ http://www.iso-architecture.org/ieee-1471/afs/frameworks- table.html Recommended standards/frameworks to develop this Enterprise Data Architecture Framework: • The DAMA Guide to the Data Management Body of Knowledge (DAMA-DMBOK Guide) • The Zachman Framework™ • TOGAF®, an Open Group standard • The Information Framework (SID), component of Frameworx, the TM Forum Enterprise Data Architecture Framework 23
  • 24. Landscape and categorization of the high variety of existing database systems Source: H. Lim, Y. Han, and S. Babu, “How to Fit when No One Size Fits.,” in CIDR, 2013 24
  • 25. 25
  • 26. Main Phases of Database Design Source: Fundamentals of Database Systems, by Ramez Elmasri and Shamkant B. Navathe, Addison-Wesley, 2011. http://www.cs.montana.edu/~halla/csci440/index.html 26
  • 27. Nine Interrelated Diagrams in the UML (Unified Modeling Language) Source: “Developing Sequence Diagrams in UML” by Il-Yeol Song (2001) in Computer Science DOI:10.1007/3-540-45581-7_28 27
  • 28. General schema of IoT Source: “An IoT-Based Computational Framework for Healthcare Monitoring in Mobile Environments” by Higinio Mora, David Gil, Rafael Muñoz Terol, Jorge Azorín and Julian Szymanski in Sensors 2017, 17, 2302; doi:10.3390/s17102302 28
  • 29. High-level Data Flow in IoT Solutions Source: “A Survey on Internet of Things From Industrial Market Perspective” in IEEE Access 2:1660-1679 by Charith Perera et al. (January 2015) DOI: 10.1109/ACCESS.2015.2389854 29
  • 30. IoT network types, data flow in IoT, data flow in IoT with blockchain technology Source: “Blockchain technology for security issues and challenges in IoT” in Procedia Computer Science 132:1815–1823 · June 2018 DOI: 10.1016/j.procs.2018.05.140 https://www.researchgate.net/publication/325661355_Blockchain_technology_for_security_issues_and_challenges_in_IoT 30
  • 32. Source: “Dean of Big Data Driving the Snakes of Data Science Out of Ireland” Posted by Bill Schmarzo on November 15, 2018 https://www.datasciencecentral.com/profiles/blogs/dean-of-big-data-driving-the-snakes-of-data-science-out-of 32
  • 34. 34
  • 35. Source: “Your Credit Score – How Does It Actually Work?” by Neena Vlamis (2017) https://www.anmtg.com/mortgage-blog/faqs/credit-score/ How Is Your Credit Score Calculated? 35
  • 36. What do Credit Reporting Agencies do? • A credit score is a numerical expression based on the person’s credit profile analysis, which indicates the credibility of the person. • The credit score is mainly derived from credit bureaus based on credit report information 36
  • 37. Credit Scoring Models Sources: “To Analyze The Effect of Credit Scoring on the Capital Structure Decisions of a Firm: Case of Retail Industry” · July 2017 DOI: 10.13140/RG.2.2.22717.36323 37
  • 38. Two Major Credit Scoring Models Source: https://grizzle.com/credit-scoring-models/ 38
  • 39. Parties Involved in Credit Scoring 39
  • 40. What do Credit Reporting Agencies do? 40
  • 41. 41
  • 42. Source: “Scoring with big data” by Tan Zhai Yun, The Edge Malaysia, March 13, 2018 11:30 am +08 https://www.theedgemarkets.com/article/cover-story- scoring-big-data Credit Bureaus: creating credit scorecards using non-traditional data • LenddoEFL (Singapore) • CredoLab - CredoApp • Experian (Indonesia) • FICO (India) • M-Pesa (Kenya) • M-Shwari (Tanzania) • Tala (Kenya) • Sesame Credit (Alipay) 42
  • 44. Citizenship by Social Credit Scores Source: “The wrest band – An artifact from the future” by surayyn.uthaya.selvan March 18, 2019 http://www.iaacblog.com/programs/wresist-band/ The Social Credit System (Chinese: 社会信用 体系; pinyin: shèhuì xìnyòng tǐxì) is a national reputation system being developed by the Chinese. 44
  • 45. Citizenship by Social Credit Scores Source: “The wrest band – An artifact from the future” by surayyn.uthaya.selvan March 18, 2019 http://www.iaacblog.com/programs/wresist-band/ 45
  • 46. The Chinese social credit system: Zhima Credit • “Social credit” is referred-to by the Chinese government as a ‘broad range of efforts to improve market security and public safety by increasing integrity and mutual trust in society’. • Main objective of social credit is to ensure compliance with legal obligations. • An effort to nudge people towards good social behaviour, ranging from energy conservation to charity work. • A social credit score tracks more than just how good you are with money, it involves a collaboration between the government and financial institutions which ranks people based on their everyday actions. • Appears as an app as part of the extensive Alipay mobile payments ecosystem: a system that is designed to make your life easier and seamless. • Zhima Credit “will ensure the bad people in society don’t have a place to go, while good people can move freely and without obstruction”. • Lucy Peng, CEO of Ant Financial 46
  • 47. 47
  • 48. 48
  • 49. 49
  • 50. 50
  • 51. 51
  • 52. 52
  • 53. 53
  • 54. 54
  • 55. 55
  • 56. 56
  • 58. 58
  • 59. SA’s New Demerit System • Each driver will start off with zero points. The maximum permissible number of points is 12. • Points work on an accumulative basis with a different number of points assigned to specific traffic infringements, together with a fine. • If a driver accumulates 12 or more points, their licence will be suspended for a period of three months. • Points will be reduced by one point every three months. • These are the amount of points allocated for various offenses: • Driving without a licence equals four demerit points; • Driving under the influence of an intoxicating substance will be six demerit points (determined by court); • Using and holding cell phone while driving will be one demerit point; • Speeding can be anywhere from two to six points depending on the speed limit (determined by court); • Skipping a stop sign (light vehicles) is one demerit point and for buses and trucks it is two points. • Several European countries already make use of a demerit points system and this has been adapted for South African road users. Source: The Administrative Adjudication of Road Traffic Offences (Aarto) Bill 59
  • 60. Apps to Track Student Progress: Student achievement tracking system 60
  • 61. 3-Star learning experiences Source: Hattie, J., & Timperley, H., (2007). The power of feedback. Review of Educational Research, 77(1), 81-112. doi: 10.3102/003465430298487 https://3starlearningexperiences.wordpress.com/2018/06/05/no-feedback-no-learning/ 61
  • 62. Four-stage Model of Self-regulated Learning Source: Winne, P. H., & Hadwin, A. F. (1998). Studying as self-regulated learning. Metacognition in educational theory and practice, 93, 27–30. 62
  • 63. 63
  • 64. An instructional framework of self-regulated learning in digital environments Source: Johnson, G. M., & Davies, S. M. (2014). Self-Regulated Learning in Digital Environments: Theory, Research, Praxis. British Journal of Research, 68-80. 64
  • 65. 65
  • 66. Using Webb's Depth of Knowledge (DOK) Levels with standards-based grading (SBG) 66
  • 67. How Blockchain Will Transform Education According to a new report by the Joint Research Centre (JRC), the European Commission's science and knowledge service, Blockchain will end paper based certificates, automate the award, recognition and transfer of credits, increase learner ownership and control over their own data, reduce institutional data costs and risk--but only if open standards are adopted. The JRC report points to likely benefits from blockchain including: • Self-sovereignty: users identify themselves while maintaining control over the storage and management of their personal data; • Trust: infrastructure that gives people enough confidence in its operations to carry through with transactions such as payments or the issue of certificates; • Transparency: conduct transactions in knowledge that each party has the capacity to enter into that transaction; • Immutability: records written and stored permanently without the possibility of modification; • Disintermediation: removal of the need for a central controlling authority to manage transactions or keep records; and • Collaboration: the ability of parties to transact directly with each other without the need for mediating third parties 67
  • 68. 68
  • 69. Source: “Adaptive Learning” by Seong Hwang Oct 26, 2015 https://medium.com/blended-learnings/adaptive-learning-e52d53413b3b Adaptive Learning 69
  • 70. 70
  • 71. My Study Life-School Planner Source: “13 Best Apps for College Students” Posted on Thursday July 11, 2019 https://www.redbytes.in/best-apps-for-college-students/ Best for college students, My Study Life-School Planner is a fantastic app to keep the track of everything during your college time. 71
  • 72. Docebo: “Align the training needs of your organization with those of your learners with an LMS that uses learning- specific artificial intelligence algorithms to produce deeper and more effective learning experiences.” 72
  • 73. App Gamification Source: “7 of the Best Examples of App Gamification” by Anjali Jain, June 6, 2018 https://clevertap.com/blog/best-examples-of-app-gamification/ Byju’s – Gamification for Education • Byju’s uses gamification by allowing students to play games, earn reward points, and challenge each other through different quizzes and competitions. • Competing with each other motivates students to work for better results. 73
  • 75. IoT Applications Source: J. Gubbi, R. Buyya, S. Marusic, and M. Palaniswami, ‘‘Internet of Things(IoT): A vision, architectural elements, and future directions,’’ FutureGenerat. Comput. Syst., vol. 29, no. 7, pp. 1645–1660, 2013. 75
  • 76. A system that quantitatively visualizes the actions of each individual worker Source: “Hitach Launches "Moving State Management Service' For Construction Workers” posted on March 25, 2017 http://www.asiabiznews.net/asia-tender-business-news/134492-Hitach-Launches-Moving-State-Management-Service-For-Construction-Workers.html 76
  • 77. Cash Transfer Schemes • Direct Benefit Cash Transfer or DBT is an anti-poverty program launched by Government of India on 1 January 2013. • This program aims to transfer subsidies directly to the people living below poverty Line. • Web portals such as dbtbharat.gov.in, https://dbtdacfw.gov.in/Home.aspx, and http://dbt.punecorporation.org/app/index.html#!/ have been launched to centralize all the DBT schemes for easy data access and monitoring. • INTERNATIONAL PRACTICES: • Cash Transfer schemes originated in middle-income Latin American countries. • In Asia, Bangladesh had a Female Stipend Program as early as 1982 followed by a Food for Education Program in 1993. Food grants were later converted to cash grants in 2002. • Several countries including Jamaica, Philippines, Turkey, Chile, Mexico, Indonesia, South Africa, Morocco and United States have adopted this system in the form of Conditional Cash Transfer (CCT) programs. • The largest and the most successful conditional cash transfer program is the Bolsa Família that provided 100 percent of Brazil's poor in 2007. 77
  • 78. Source: “Will Direct cash transfer be a better reform than fuel and fertiliser subsidy?” by Avinash Celestine, ET Bureau: Jul 04, 2011. https://economictimes.indiatimes.com/news/economy/policy/will-direct-cash-transfer- be-a-better-reform-than-fuel-and-fertiliser-subsidy/articleshow/9082429.cms The Cash Transfer System • Instead of giving the consumer food, LPG, kerosene or even fertiliser (to farmers), give them cash or special coupons with which to buy what they need directly from the market. • Using the cash, the poor family can then buy the food (or kerosene) they need from the market — at market prices. • The incentive problem — the incentive for nonpoor to declare themselves poor may get bigger under the cash transfer system. • “How do you identify the person, or the family, to give it to?” 78
  • 79. Source: “All About Direct Benefit Transfer (DBT) Scheme”, February 26, 2018 https://new.ask.careers/blogs/direct-benefit-transfer-dbt-scheme/ http://vikaspedia.in/social-welfare/direct-benefit-transfer/direct-benefit-transfer-of-lpg-dbtl-scheme The Direct Benefit Transfer (DBT) Scheme for LPG • Direct Benefit Transfer for LPG consumer (DBTL) is the scheme aimed to improve the subsidy administration of LPD across the country. • As per this scheme an LPG consumer will get his/her cylinder at full market price and the differential between subsidized price and full market price, i.e. the subsidy will be transferred to his/her bank account up to a capped limit (9 cylinders in a year). • The following are the standard steps of DBT: • Identification of the beneficiaries and updating their records in a digital database • Opening the bank accounts of the eligible beneficiaries • Enrolling the beneficiaries in Aadhaar • Linking of beneficiaries’ Aadhaar with their bank accounts • Transfer of funds 79
  • 80. Source: “Case of Oil Subsidies: Are we stealing from future generations?”, Published on May 15, 2014 https://www.slideshare.net/ghouse1508/iim-calcutta-ctown-sleuths 80
  • 81. Source: “Case of Oil Subsidies: Are we stealing from future generations?”, Published on May 15, 2014 https://www.slideshare.net/ghouse1508/iim-calcutta-ctown-sleuths 81
  • 82. Source: “Using Blockchain To Transform Direct Benefit Transfer (DBT) in India”, by Shwetank Verma and Subhajit Mandal, February 23, 2018 https://gomedici.com/using-blockchain-transform-direct-benefit-transfer-dbt-india/ The Current system of Direct Benefit Transfer (DBT) 82
  • 83. Source: “Using Blockchain To Transform Direct Benefit Transfer (DBT) in India”, by Shwetank Verma and Subhajit Mandal, February 23, 2018 https://gomedici.com/using-blockchain-transform-direct-benefit-transfer-dbt-india/ Using Blockchain To Transform Direct Benefit Transfer (DBT) 83
  • 84. Which Governments Are Using Blockchain Right Now? • Germany • The Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH established a ‘Blockchain Lab’ to leverage the potential of blockchain and related technologies in efforts to reach the United Nations Sustainable Development Goals. • Malta • The Malta Business Registry will adopt blockchain technology with an aim to increase efficiency and modernize business processes. • Netherlands • The Netherlands Enterprise Agency in the Municipality of Zuidhorn won the Small Business Innovation Research (SBIR) competition with a project that brings financial support for children living in poverty. • United Kingdom • The U.K.’s Food Standards Agency (FSA) completed a pilot to track the distribution of meat in a cattle slaughterhouse using blockchain. This trial marked the first time that blockchain technology has been used as a regulatory tool to ensure compliance in the food industry. • Tanzania • Tanzanian government eliminated 10,000 ghost workers from the public sector by utilizing blockchain technology to audit the public payroll. This step has saved ~4.5 billion Tanzanian shillings (USD 195.4 million), which are paid on a monthly basis to the ghost workers. Source: “Which Governments Are Using Blockchain Right Now?”, by ConsenSys, Posted on November 18, 2019 https://consensys.net/blog/enterprise-blockchain/which-governments-are-using-blockchain-right-now/ 84
  • 85. NaftaPOS - Front-Office Software for Petrol Stations • Front-Office software "NaftaPOS" is intended for control over technological processes, automated measurement and commercial account at petrol stations and storage depots. • Area of application – petrol stations for dispensing of light petroleum products, diesel fuel, liquified petroleum gas LPG, compressed natural gas CNG, multifuel petrol stations, petroleum storage depots. 85
  • 86. Fuel Station Management Automation Systems 86
  • 87. Web reporting system and online monitoring for petrol stations • NaftaPOS software leads a database, where it stores all the sales and operations. • Using its data it is possible to monitor the petrol station remotely. • The web-portal serves to provide: • formation of reports on operation of petrol stations in various views for analytics and statistics of petrol stations activity to provide decisions for optimization of petrol stations operation. • online monitoring of each petrol station activity (fuel dispensers operation, remains and parameters of fuel in tanks, current working shift operations) to provide control over personnel at petrol station and security. 87
  • 88. Automatic Vehicle Identification and Cashless Payment Solutions • EasyFuelPlus utilizes a safe and secure system of RF tags and transmitters attached to pump nozzles and vehicles, all designed to meet the requirements for operating in a hazardous area • Only when the correct fuel is selected and the nozzle fully inserted in the fuel tank inlet will the transaction be approved and fuel dispensed into the vehicle • Electronic payment is made automatically and without any human intervention • EasyFuelPlus is fully secure, supports advanced business rules and can imitate traditional fleet/fuel cards • EasyFuelPlus can be linked to a bank account or credit card, replacing the need for consumers to produce a card on-site • EasyFuelPlus can operate in conjunction with a mobile payment program, securing the mobile payment to the authorized vehicle Source: “Automated Fuel Management Solutions for Oil Companies, Forecourt Operators and Fleet Managers” https://www.otipetrosmart.com/solutions/retail-petroleum/?cn-reloaded=1 88
  • 89. Consortium blockchain-based reputation management for secure federated learning Source: “Reliable Federated Learning for Mobile Networks” by Jiawen Kang, Zehui Xiong, Dusit Niyato, Yuze Zou, Yang Zhang, Mohsen Guizani https://arxiv.org/pdf/1910.06837v1.pdf 89
  • 90. Delapan (8) Aksi Peningkatan Integrasi Intervensi Gizi pada Rumah Tangga 1000 HPK Sumber: “Monitoring pelaksanaan konvergensi intervensi penurunan stunting terintegrasi” http://aksi.bangda.kemendagri.go.id/ 90
  • 92. Concluding remarks • Reputation system is important to monitor the assessment of actors in the closed or open digital community. • It can be embedded as API or part of interaction platform. • The essential components of a reputation system model are registration and identification in a network of people, process, data, and reputation system that consists of reputation algorithm and visualization. • Many facets of reputation system appear in digital platform and can be provide as reputation as a service (raas). 92