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[GNUnet-SVN] [taler-marketing] 01/02: rb
From: |
gnunet |
Subject: |
[GNUnet-SVN] [taler-marketing] 01/02: rb |
Date: |
Fri, 19 Jan 2018 22:52:50 +0100 |
This is an automated email from the git hooks/post-receive script.
grothoff pushed a commit to branch master
in repository marketing.
commit 25abb6956853c195fc819c5370aa0f256d510771
Author: Christian Grothoff <address@hidden>
AuthorDate: Fri Jan 19 22:52:42 2018 +0100
rb
---
presentations/politics/e-krona.pdf | Bin 0 -> 1139369 bytes
presentations/politics/riksbank.tex | 559 ++++++++++++++++++++++++++++++++++++
2 files changed, 559 insertions(+)
diff --git a/presentations/politics/e-krona.pdf
b/presentations/politics/e-krona.pdf
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diff --git a/presentations/politics/riksbank.tex
b/presentations/politics/riksbank.tex
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+++ b/presentations/politics/riksbank.tex
@@ -0,0 +1,559 @@
+\documentclass[c]{beamer}
+
+%\usepackage{helvet}
+\usepackage{calc}
+\usepackage[utf8]{inputenc} % set your input encoding differently, if you want
+\usepackage[english]{babel}
+
+\usepackage{enumitem}
+\usepackage{eurosym}
+\usepackage{tikz}
+\usepackage{pgfgantt}
+\usepackage{amsmath,amssymb}
+\usetikzlibrary{shapes,arrows}
+\usetikzlibrary{positioning}
+\usetikzlibrary{calc}
+\usepackage[absolute,overlay]{textpos}
+
+%\setbeameroption{show notes}
+
+\setlist[itemize]{label=$\bullet$}
+
+
+\def\checkmark{\tikz\fill[scale=0.4](0,.35) -- (.25,0) -- (1,.7) -- (.25,.15)
-- cycle;}
+
+\setbeamertemplate{navigation symbols}{}
+%\setbeamercovered{transparent=10}
+\setbeamertemplate{navigation symbols}{\url{taler.net}}
+%\setbeamertemplate{section in toc}[sections numbered]
+
+% Adapt title information
+% =======================
+\title{GNU Taler \\ Payments for the Common Good}
+\institute{Taler Systems SA}
+\author{Dr. Christian Grothoff \& Leon Schumacher}
+\date{22.2.2018}
+
+% Some common packages
+% ====================
+\usepackage{units}
+\usepackage{amsbsy}
+\usepackage{amsmath}
+\usepackage{amssymb}
+\usepackage{graphics}
+\usepackage{epsf}
+\usepackage{epsfig}
+\usepackage{fixmath}
+\usepackage{wrapfig}
+
+
+ \usetikzlibrary{snakes}
+
+
+\begin{document}
+
+\begin{frame}
+ \begin{center}
+ GNU Taler: Payments for the Common Good
+
+% \includegraphics[width=0.66\textwidth]{logo-2017-fr.pdf}
+ \includegraphics[width=0.66\textwidth]{taler-logo-2017.pdf}
+ \end{center}
+\begin{textblock*}{4cm}(.5cm,7.5cm) % {block width} (coords)
+ {\Large {\bf \url{taler.net}} \\
+% IRC{\bf \#taler} \\
+% {\small (on freenode)} \\
+ address@hidden \\
+ address@hidden }
+\end{textblock*}
+
+ \begin{textblock*}{4cm}(10cm,7.5cm) % {block width} (coords)
+ \includegraphics[width=2cm]{ashoka.png}
+\end{textblock*}
+\end{frame}
+
+
+% ORganization / Supplier
+\begin{frame}
+\frametitle{Dr. Christian Grothoff}
+\begin{itemize}
+\item Co-founder of Taler Systems SA
+\item 16+ years of experience in network security and privacy
+\item Software deployed in millions of computers and devices
+\item PhD in Computer Science, from UCLA, degrees in Mathematics and Chemistry
+\item GNU maintainer, GNU advisory board member
+\item Ashoka fellow, former Emmy-Noether scholar
+\item Lived and worked in USA, Germany, France and Switzerland
+\item Professor for network security at University of Applied Sciences, Bern
+\end{itemize}
+\end{frame}
+
+
+\begin{frame}
+\frametitle{Leon Schumacher}
+\begin{itemize}
+\item Co-founder of Taler Systems SA
+\item
+\item
+\item
+\item
+\item
+\item
+\item
+\end{itemize}
+\end{frame}
+
+
+\begin{frame}
+ \frametitle{Senior Team \hfill \& \hfill advisory board \hfill}
+ \begin{minipage}{5cm}
+ \setlist[description]{leftmargin=1cm,labelindent=0cm}
+ \begin{description}
+ \item[Leon Schumacher]\ \\ co-founder
+ \item[Dr. Christian Grothoff]\ \\ co-founder
+ \item[Michael Widmer]\ \\ Jurist
+ \item[Dr. Jeff Burdges]\ \\ PostDoc
+ \item[Florian Dold]\ \\ PhD Student
+ \end{description}
+
+\end{minipage}
+ \begin{minipage}{5.5cm}
+ {\tiny
+\begin{description}
+ \item[Prof. Mikhail Atallah] \ \\
+ Cryptographer, co-founder
+ Arxan Technologies Inc.
+ \item[Prof. Roberto Di Cosmo] \ \\
+ Director IRILL
+ \item[Greg Framke] \ \\
+ CIO Manulife, \\
+ former COO Etrade
+ \item[Ante Gulam] \ \\
+ Global Head of Information Security --- CISO \\
+ MetaPack Group
+ \item[Dr. Richard Stallman]\ \\
+ Founder of the \\ \mbox{Free Software movement}
+ \item[Chris Pagett] \ \\
+ former Group Head Security/ \ \\
+ Fraud/Geo Risk HSBC
+ \item[Prof. Alex Pentland] \ \\
+ MIT Media Lab
+\end{description}
+}
+\end{minipage}
+\vfill
+\includegraphics[height=0.1\textwidth]{team-images/leon-schumacher.jpg}
\hfill
+\includegraphics[height=0.1\textwidth]{team-images/christian-grothoff.jpg}\hfill
+\includegraphics[height=0.1\textwidth]{team-images/michael-widmer.jpg}\hfill
+\includegraphics[height=0.1\textwidth]{team-images/jeff-burdges.jpg}\hfill
+\includegraphics[height=0.1\textwidth]{team-images/florian-dold.jpg}\hfill
+\includegraphics[height=0.1\textwidth]{board-images/mja.jpg} \hfill
+\includegraphics[height=0.1\textwidth]{board-images/roberto-di-cosmo.jpg}
\hfill
+\includegraphics[height=0.1\textwidth]{board-images/greg-framke.jpg} \hfill
+\includegraphics[height=0.1\textwidth]{board-images/ante-gulam.jpg} \hfill
+\includegraphics[height=0.1\textwidth]{board-images/alex-pentland.jpg}
+%\note{Advisory board still under construction.}
+\end{frame}
+
+
+\begin{frame}
+\frametitle{History of Taler Systems SA}
+\begin{itemize}
+\item Software development started at TU Munich (2013)
+\item Grant from Renewable Freedom Foudation to develop core system (2014-2017)
+\item Inria decision to create startup in (2015)
+\item Company founded 2016 by Dr. Christian Grothoff and Leon Schuhmacher
+\item Copyright agreement with Inria, GNUnet e.V. and other stakeholders (2017)
+\item Swedish community member informs us about e-Krona project (9'2017)
+\item First hire from former Inria team (2018)
+\item Core team assisted by many volunteers ($\Rightarrow$ easy to grow)
+\end{itemize}
+\end{frame}
+
+
+% ``References and experience within the field''
+\begin{frame}
+\frametitle{Strategic partners}
+\begin{itemize}
+\item GNU Taler: We are a GNU package within the GNU project
+\item Hacker community: good connections to CCC, Tor project, Enigmail, GnuPG,
Nitrokey, etc.
+\item Ashoka: Prof. Grothoff is part of a global network of social
entrepreneurs
+\item p$\equiv$p: Taler partners with pEp for e-mail integration
+\item Roots in academia: partners at TUM (I8), Inria (TAMIS team), ETH Zurich
(Helbing) and MIT (Media Lab)
+\item Roots in industry: Leon Schumacher FIXME
+\item Roots in banking: Michael Widmer FIXME
+\end{itemize}
+\end{frame}
+
+
+\section{What is GNU Taler?}
+\begin{frame}{What is GNU Taler?}
+ \vfill
+ \begin{center}
+GNU Taler is an electronic instant payment system.
+ \end{center}
+ \begin{itemize}
+ \item Uses electronic coins stored in {\bf wallets} on customer's device
+ \item Think electronic {\bf cash}, with a few twists
+ \item Pay in {\bf existing currencies} (i.e. EUR, USD, BTC)
+% or use it to create new regional currencies
+ \end{itemize}
+ \vfill
+ \begin{center}
+ Taler is {\bf not} a cryptocurrency.
+ \end{center}
+\end{frame}
+
+
+\begin{frame}
+\frametitle{GNU Taler Overview}
+\begin{center}
+\begin{tikzpicture}
+ \tikzstyle{def} = [node distance= 5em and 6.5em, inner sep=1em, outer
sep=.3em];
+ \node (origin) at (0,0) {};
+ \node (exchange) [def,above=of origin,draw]{Exchange};
+ \node (customer) [def, draw, below left=of origin] {Customer};
+ \node (merchant) [def, draw, below right=of origin] {Merchant};
+ \node (auditor) [def, draw, above right=of origin]{Auditor};
+
+ \tikzstyle{C} = [color=black, line width=1pt]
+
+ \draw [<-, C] (customer) -- (exchange) node [midway, above, sloped]
(TextNode) {withdraw coins};
+ \draw [<-, C] (exchange) -- (merchant) node [midway, above, sloped]
(TextNode) {deposit coins};
+ \draw [<-, C] (merchant) -- (customer) node [midway, above, sloped]
(TextNode) {spend coins};
+ \draw [<-, C] (exchange) -- (auditor) node [midway, above, sloped] (TextNode)
{verify};
+
+\end{tikzpicture}
+\end{center}
+\end{frame}
+% Demo here
+
+
+\begin{frame}
+\frametitle{Components in Depth}
+\begin{itemize}
+\item Exchange: payment service provider
+ \begin{itemize}
+ \item Wire plugins: integration with register based system
+ \item Database plugins: persist cryptographic proofs
+ \item Auditor: verifies correct operation
+ \end{itemize}
+\item Wallet: customer user interface
+ \begin{itemize}
+ \item Browser extension
+ \item E-mail client integration (future work)
+ \item NFC payments (future work)
+ \end{itemize}
+\item Merchant: shop
+ \begin{itemize}
+ \item Front end (custom)
+ \item Backend (RESTful service, performs cryptography)
+ \item Backend database: persists cryptographic proofs
+ \item Back office Web service: access to buisness data
+ \end{itemize}
+\item Protocol specification (generally JSON-based)
+\end{itemize}
+\end{frame}
+
+
+
+% ``References and experience within the field''
+\begin{frame}{Hardware requirements}
+\begin{itemize}
address@hidden Exchange:
+ \begin{itemize}
+ \item high-availablility data center (with replicated database),
+ \item expected amortized average transaction costs $\approx$ \EUR{0.000001}
+ \item transaction latency $\approx$ network RTT
+ \end{itemize}
address@hidden Merchant:
+ \begin{itemize}
+ \item database to store contracts and cryptographic proofs
+ \item minimal CPU, hardware and bandwidth requirements
+ \item integration cost small due to reusable backend and backoffice
components
+ \end{itemize}
address@hidden Customer:
+ \begin{itemize}
+ \item database (IndexedDB) to store coins, contracts and cryptographic proofs
+ \item minimal CPU, hardware and bandwidth requirements
+ \item DesignShift estimated \EUR{300,000} cost for design of
+ mass production ready \EUR{10} NFC hardware wallet in CC format
+ \end{itemize}
+\end{itemize}
+\end{frame}
+
+
+% ``References and experience within the field''
+\begin{frame}{Availability / Reliability / Off-line transactions}
+
+ {\bf CAP theorem:}
+\begin{center}
+ Consitency, Availability, Partition-Tolerance: pick two!
+\end{center}
+\vfill
+\begin{itemize}
+\item By default, Taler focuses on consistency and detects double-spending
online \\
+ $\Rightarrow$ Network partitions impact availability
+\item Sharing coins via NFC while offline in principle possible \\
+ $\Rightarrow$ Double spending detected late, receiver may be defrauded
+\end{itemize}
+\vfill
+\end{frame}
+
+
+\begin{frame}{Security}
+\begin{itemize}
+\item Each party must keep their private keys secure
+%\item Private keys are never disclosed by the protocol (not even during
payments)
+\item Losses are by design with party where keys were compromised
+\item Losses are bounded to:
+\begin{itemize}
+\item amount of coins carried in wallet (for consumer)
+\item volume of transactions during compromise (for merchant)
+\item amount of coins in circulation (for exchange)
+\end{itemize}
+\item Denomination key expiration used to limit risk
+\item Exchange operator typically has escrow account matching issued coins
+\end{itemize}
+\end{frame}
+
+
+\begin{frame}{Scalability}
+ \begin{block}{By design}
+ For exchange operator:
+ \begin{itemize}
+ \item linear scalability (via sharding) of database
+ \item linear scalability of cryptographic operations
+ \end{itemize}
+ System also supports having multiple exchange operators.
+ \end{block}
+ \begin{block}{Implementation limitations}
+ \begin{itemize}
+ \item Auditor implementation is currently sequential
+ \end{itemize}
+ \end{block}
+ All components are {\em free software} with {\em public specifications}.
+\end{frame}
+
+
+\begin{frame}{Interoperability}
+ \begin{itemize}
+ \item Database layer abstracted via interface
+ \item Wire transfer layer abstracted via interface
+ \item Open protocol specification
+ \item RESTful JSON-based APIs
+ \item Designed to operate well with HTTP(S)
+ \item Recent changes to better support Apps and non-WebExtension compatible
browsers
+ \item Core logic implemented in portable C code (exchange, merchant backend)
+ \item Wallet-specific logic implemented in TypeScript \\
+ ($\Rightarrow$ WebExtensions, React)
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{Reliability}
+ \begin{itemize}
+ \item Cryptographic constructions are well-understood
+ \item Cryptographic primitives are state-of-the art
+ \item Protocols have been peer-reviewed by various cryptographers
+ \item State-of-the-art secure software development process
+ \item Implementation has been (partially) subjected to security audits, more
planned
+ \item World-class information security team
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{Anonymous transactions}
+\begin{itemize}
+\item Customer must identify when withdrawing via register system (KYC)
+\item Merchant must identify to receive via register system (AML)
+\item Merchant can be compelled to disclose terms of contract
+\item Customer can be {\em anonymous} when paying
+\item Multiple transactions of same customer are {\em unlinkable}
+\item Customer has proof of purchase
+\item Customer can voluntarily disclose identity, but not be compelled
+\item Exchange operator must be well-known and certified by auditor
+\item Auditor keys usually hard-coded in customer and merchant software
+\end{itemize}
+\end{frame}
+
+
+\begin{frame}{Identity Management}
+ \begin{itemize}
+ \item Taler provides electronic cash on top of register-based system
+ \item Typically, customer and merchants have accounts in register-based
system \\
+ $\Rightarrow$ Identification piggy-backs on register-based system
+ \item Customer's wallets have a key to identify them
+ \item Possible to send electronic coins to customer based on wallet key \\
+ $\Rightarrow$ Possible to provide {\em welfare} to unbanked individuals
+ \item Receiving Taler payments requires account in register (for taxability)
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{Accessibility}
+ \begin{itemize}
+ \item Anyone can customize wallet, as {\em protocols} enforce security!
+ \item Wallets (HW, SW) will be customized to
+ match accessibity requirements (children, disabled, elderly)
+ \item Prototype was publicly demonstrated and explained by 10 year
+ old kid at hacker conferences (videos available)
+ \item Transaction speed is one click plus network RTT
+ \item Avoiding customer authentication improves privacy and usability!
+ \item Advisory board voiced ethical concerns with payments becoming
+ too easy and need to integrate financial education with wallet.
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{Social Impact of Taler}
+ \begin{center}
+ \includegraphics[height=0.8\textheight]{social-impact.pdf}
+ \end{center}
+\end{frame}
+
+
+\begin{frame}
+ \frametitle{Possible outcomes (optimistic)}
+ \begin{itemize}
+ \item{Replace Mastercard/Visa/Paypal online} \\
+ $\Rightarrow$ Cheaper transactions $\equiv$ 3\% reduction in VAT
+ \item{Replace cash and credit cards} \\
+ $\Rightarrow$ Faster business transactions in stores
+ \item{Income via Taler is easily tracked by the government} \\
+ $\Rightarrow$ Less corruption, less tax evasion
+ \item{Banks \& spy agencies can no longer track how you spend your
money} \\
+ $\Rightarrow$ Privacy for citizens! \\
+ $\Rightarrow$ Industrial espionage defense for business!
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{}
+ \vfill
+ \begin{center}
+ {Why should {\em Riksbank} be interested?}
+ \end{center}
+ \vfill
+ \begin{center}
+ \includegraphics[height=3cm]{illustrations/usmint.jpeg}
+ \end{center}
+ \vfill
+ \begin{center}
+ {Why not do {\em online} what they do {\em offline}?\footnote{Just better:
you can anonymously receive cash, but not Taler coins.}}
+ \end{center}
+\end{frame}
+
+
+\begin{frame}{Greates challenges for Taler Systems SA}
+ \begin{itemize}
+ \item Banking license \& integration with register-based system
+ \item Funding for non-proprietary (FLOSS) software to establish a
+ payment systems commons without patents
+ \end{itemize}
+\end{frame}
+
+
+\begin{frame}{PoC project}
+ \begin{itemize}
+ \item Taler Systems SA as technological solution provider (expertise)
+ \item Riksbank as operator (escrow account, data center, RIX link)
+ \item Key steps:
+ \begin{itemize}
+ \item Agreement on costs and responsibilities (1-3 M)
+ \item Satisfy Riksbank technical security and performance requirements for
integration (6-12 M)
+ \item Identification of niche market and partners for PoC launch (4-6 M)
+ \end{itemize}
+ \end{itemize}
+\end{frame}
+
+
+
+\begin{frame}
+ \begin{center}
+% \includegraphics[width=0.66\textwidth]{logo-2017-fr.pdf}
+ \includegraphics[width=0.66\textwidth]{taler-logo-2017.pdf}
+ \end{center}
+ \vfill
+ \hfill A GNU package
+\end{frame}
+
+\end{document}
+
+
+\section{Comparison}
+\begin{frame}{Comparison}
+ \begin{center} \small
+ \begin{tabular}{l||c|c|c|c|c}
+ & Cash & Bitcoin & ZCash & Creditcard & GNU Taler \\ \hline
\hline
+ Online &$-$$-$$-$ & ++ & ++ & + & +++ \\
\hline
+ Offline & +++ & $-$$-$ & $-$$-$ & + & $-$$-$
\\ \hline
+ Trans. cost & + & $-$$-$$-$ & $-$$-$$-$ & $-$ & ++ \\
\hline
+ Speed & + & $-$$-$$-$ & $-$$-$$-$ & o & ++ \\
\hline
+ Taxation & $-$ & $-$$-$ & $-$$-$$-$ & +++ & +++ \\
\hline
+ Payer-anon & ++ & o & ++ & $-$$-$$-$ & +++ \\ \hline
+ Payee-anon & ++ & o & ++ & $-$$-$$-$ & $-$$-$$-$ {\bf
(*)} \\ \hline
+ Security & $-$ & o & o & $-$$-$ & ++ \\
\hline
+ Conversion & +++ & $-$$-$$-$ & $-$$-$$-$ & +++ & +++ \\
\hline
+ Libre & $-$ & +++ & +++ & $-$ $-$ $-$ & +++ \\
+ \end{tabular}
+ \end{center}
+ {{\bf (*)} Not having payee-anonymity is a good thing as otherwise money
laundering
+ becomes a real problem.}
+\end{frame}
+
+
+
+
+\section{The Problem}
+\begin{frame}{The Problem}
+
+ 3D secure (``verified by visa'') is a nightmare:
+ \begin{minipage}{5cm}
+ \begin{itemize}
+ \item Complicated process
+ \item Shifts liability to consumer
+ \item Significant latency
+ \item Can refuse valid requests
+ \item Legal vendors excluded
+ \item No privacy for buyers
+ \end{itemize}
+ \end{minipage}
+ \begin{minipage}{5cm}
+ \includegraphics[width=\textwidth]{illustrations/cc3ds.pdf}
+ \end{minipage}
+ \vfill
+ Online credit card payments will be replaced, but with what?
+\end{frame}
+
+
+\begin{frame}{The Problem}
+\vfill
+ \begin{textblock*}{12cm}(0.5cm,1cm) % {block width} (coords)
+ \begin{itemize}
+ \item Global tech companies push oligopolies
+ \item Privacy and federated finance are at risk
+% \item 30\% fees are conceivable
+ \item Economic sovereingity is in danger
+ \end{itemize}
+\end{textblock*}
+\begin{textblock*}{4cm}(3.5cm,5.2cm) % {block width} (coords)
+ {\includegraphics[width=\textwidth]{competitor-logos/amazon.png}}
+\end{textblock*}
+\begin{textblock*}{2cm}(7cm,3cm) % {block width} (coords)
+ {\includegraphics[width=\textwidth]{competitor-logos/alipay.jpeg}}
+\end{textblock*}
+\begin{textblock*}{2cm}(3cm,3.5cm) % {block width} (coords)
+ {\includegraphics[width=\textwidth]{competitor-logos/paypal.jpeg}}
+\end{textblock*}
+\begin{textblock*}{2cm}(9cm,5cm) % {block width} (coords)
+ {\includegraphics[width=\textwidth]{competitor-logos/applepay.jpeg}}
+\end{textblock*}
+\begin{textblock*}{2cm}(7.5cm,5.9cm) % {block width} (coords)
+ {\includegraphics[width=\textwidth]{competitor-logos/samsungpay.jpeg}}
+\end{textblock*}
+\begin{textblock*}{1cm}(9.5cm,6.3cm) % {block width} (coords)
+ {\includegraphics[width=\textwidth]{competitor-logos/android_pay.png}}
+\end{textblock*}
+\vfill
+\end{frame}
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