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68-701: Virgin Money may refer to: Virgin Money (brand) , a financial services brand owned by Virgin Group Virgin Money UK , a British banking and financial services company Virgin Money Australia , an Australian banking and financial services company owned by the Bank of Queensland Virgin Money US , a former US loans company Topics referred to by

136-672: A content-addressable , peer-to-peer method of storing and sharing hypermedia distribution protocol, with nodes in the IPFS network forming a distributed file system . Jami is a peer-to-peer chat and SIP app. JXTA is a peer-to-peer protocol designed for the Java platform . Netsukuku is a Wireless community network designed to be independent from the Internet. Open Garden is a connection-sharing application that shares Internet access with other devices using Wi-Fi or Bluetooth. Resilio Sync

204-614: A server experiences an increase in load it redirects incoming peers to other peers who have agreed to mirror the content, thus off-loading balance from the server. All of the information is retained at the server. This system makes use of the fact that the bottleneck is most likely in the outgoing bandwidth than the CPU , hence its server-centric design. It assigns peers to other peers who are 'close in IP ' to its neighbors [same prefix range] in an attempt to use locality. If multiple peers are found with

272-498: A P2P network are more stable and available than files on central networks. In a centralized network, a simple loss of connection between the server and clients can cause a failure, but in P2P networks, the connections between every node must be lost to cause a data-sharing failure. In a centralized system, the administrators are responsible for all data recovery and backups, while in P2P systems, each node requires its backup system. Because of

340-534: A P2P network requires that at least one node in the network has the requested data, and that node must be able to connect to the node requesting the data. This requirement is occasionally hard to meet because users may delete or stop sharing data at any point. In a P2P network, the community of users is entirely responsible for deciding which content is available. Unpopular files eventually disappear and become unavailable as fewer people share them. Popular files, however, are highly and easily distributed. Popular files on

408-409: A centralized functionality but benefit from the decentralized aggregation of nodes provided by unstructured networks. CoopNet (Cooperative Networking) was a proposed system for off-loading serving to peers who have recently downloaded content, proposed by computer scientists Venkata N. Padmanabhan and Kunwadee Sripanidkulchai, working at Microsoft Research and Carnegie Mellon University . When

476-602: A combination of peer-to-peer and client–server models. A common hybrid model is to have a central server that helps peers find each other. Spotify was an example of a hybrid model [until 2014]. There are a variety of hybrid models, all of which make trade-offs between the centralized functionality provided by a structured server/client network and the node equality afforded by the pure peer-to-peer unstructured networks. Currently, hybrid models have better performance than either pure unstructured networks or pure structured networks because certain functions, such as searching, do require

544-675: A given time. Trustworthiness of sources is a potential security threat that can be seen with peer-to-peer systems. A study ordered by the European Union found that illegal downloading may lead to an increase in overall video game sales because newer games charge for extra features or levels. The paper concluded that piracy had a negative financial impact on movies, music, and literature. The study relied on self-reported data about game purchases and use of illegal download sites. Pains were taken to remove effects of false and misremembered responses. Peer-to-peer applications present one of

612-460: A hybrid between the two). Unstructured peer-to-peer networks do not impose a particular structure on the overlay network by design, but rather are formed by nodes that randomly form connections to each other. ( Gnutella , Gossip , and Kazaa are examples of unstructured P2P protocols). Because there is no structure globally imposed upon them, unstructured networks are easy to build and allow for localized optimizations to different regions of

680-559: A meme refers to the egalitarian social networking that has emerged throughout society, enabled by Internet technologies in general. While P2P systems had previously been used in many application domains, the concept was popularized by file sharing systems such as the music-sharing application Napster . The peer-to-peer movement allowed millions of Internet users to connect "directly, forming groups and collaborating to become user-created search engines, virtual supercomputers, and filesystems". The basic concept of peer-to-peer computing

748-807: A more psychological and information-processing direction. Some peer-to-peer networks (e.g. Freenet ) place a heavy emphasis on privacy and anonymity —that is, ensuring that the contents of communications are hidden from eavesdroppers, and that the identities/locations of the participants are concealed. Public key cryptography can be used to provide encryption , data validation , authorization, and authentication for data/messages. Onion routing and other mix network protocols (e.g. Tarzan) can be used to provide anonymity. Perpetrators of live streaming sexual abuse and other cybercrimes have used peer-to-peer platforms to carry out activities with anonymity. Although peer-to-peer networks can be used for legitimate purposes, rights holders have targeted peer-to-peer over

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816-446: A more simplistic rendering of the company name, in white on top of a red rectangle with a semicircle attached on the left side. Peer-to-peer Peers make a portion of their resources, such as processing power, disk storage, or network bandwidth , directly available to other network participants, without the need for central coordination by servers or stable hosts. Peers are both suppliers and consumers of resources, in contrast to

884-477: A peer-to-peer network in conjunction with streaming servers to stream audio and video to their clients. Peercasting is employed for multicasting streams. Additionally, a project called LionShare , undertaken by Pennsylvania State University , MIT, and Simon Fraser University , aims to facilitate file sharing among educational institutions globally. Another notable program, Osiris , enables users to create anonymous and autonomous web portals that are distributed via

952-464: A peer-to-peer network. Dat is a distributed version-controlled publishing platform. I2P , is an overlay network used to browse the Internet anonymously . Unlike the related I2P, the Tor network is not itself peer-to-peer ; however, it can enable peer-to-peer applications to be built on top of it via onion services . The InterPlanetary File System (IPFS) is a protocol and network designed to create

1020-449: A proprietary peer-to-peer technology called "Delivery Optimization" to deploy operating system updates using end-users' PCs either on the local network or other PCs. According to Microsoft's Channel 9, this led to a 30%-50% reduction in Internet bandwidth usage. Artisoft's LANtastic was built as a peer-to-peer operating system where machines can function as both servers and workstations simultaneously. Hotline Communications Hotline Client

1088-693: Is a directory-syncing app. Research includes projects such as the Chord project , the PAST storage utility , the P-Grid , and the CoopNet content distribution system . Secure Scuttlebutt is a peer-to-peer gossip protocol capable of supporting many different types of applications, primarily social networking . Syncthing is also a directory-syncing app. Tradepal l and M-commerce applications are designed to power real-time marketplaces. The U.S. Department of Defense

1156-552: Is also known to have uploaded fake music and movies to P2P networks in order to deter illegal file sharing. Consequently, the P2P networks of today have seen an enormous increase of their security and file verification mechanisms. Modern hashing , chunk verification and different encryption methods have made most networks resistant to almost any type of attack, even when major parts of the respective network have been replaced by faked or nonfunctional hosts. The decentralized nature of P2P networks increases robustness because it removes

1224-697: Is conducting research on P2P networks as part of its modern network warfare strategy. In May 2003, Anthony Tether , then director of DARPA , testified that the United States military uses P2P networks. WebTorrent is a P2P streaming torrent client in JavaScript for use in web browsers , as well as in the WebTorrent Desktop standalone version that bridges WebTorrent and BitTorrent serverless networks. Microsoft , in Windows 10 , uses

1292-482: Is designed around the notion of equal peer nodes simultaneously functioning as both "clients" and "servers" to the other nodes on the network. This model of network arrangement differs from the client–server model where communication is usually to and from a central server. A typical example of a file transfer that uses the client-server model is the File Transfer Protocol (FTP) service in which

1360-710: Is different from Wikidata All article disambiguation pages All disambiguation pages Virgin Money (brand) Virgin Money is a financial services brand used by two independent brand-licensees worldwide from the Virgin Group . Virgin Money branded services are currently available in Australia and the United Kingdom. The brand formerly operated in South Africa and the United States. Each Virgin Money branded entity acts independently from

1428-409: Is high. Therefore, the community should work together to get these features in open-source software. This would reduce the need for custom simulators, and hence increase repeatability and reputability of experiments." Popular simulators that were widely used in the past are NS2, OMNeT++, SimPy, NetLogo, PlanetLab, ProtoPeer, QTM, PeerSim, ONE, P2PStrmSim, PlanetSim, GNUSim, and Bharambe. Besides all

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1496-460: Is strictly a client-server relationship. In May 1999, with millions more people on the Internet, Shawn Fanning introduced the music and file-sharing application called Napster. Napster was the beginning of peer-to-peer networks, as we know them today, where "participating users establish a virtual network, entirely independent from the physical network, without having to obey any administrative authorities or restrictions". A peer-to-peer network

1564-514: Is that peer-to-peer applications act as servers as well as clients, meaning that they can be more vulnerable to remote exploits . Since each node plays a role in routing traffic through the network, malicious users can perform a variety of "routing attacks", or denial of service attacks. Examples of common routing attacks include "incorrect lookup routing" whereby malicious nodes deliberately forward requests incorrectly or return false results, "incorrect routing updates" where malicious nodes corrupt

1632-416: Is that results must be reproducible so that other researchers can replicate, validate, and extend existing work." If the research cannot be reproduced, then the opportunity for further research is hindered. "Even though new simulators continue to be released, the research community tends towards only a handful of open-source simulators. The demand for features in simulators, as shown by our criteria and survey,

1700-509: The RIAA , MPAA , and entertainment industry to filter out copyrighted content. Although server-client networks are able to monitor and manage content availability, they can have more stability in the availability of the content they choose to host. A client should not have trouble accessing obscure content that is being shared on a stable centralized network. P2P networks, however, are more unreliable in sharing unpopular files because sharing files in

1768-475: The YaCy . Some prominent research projects include the Chord project , Kademlia , PAST storage utility , P-Grid , a self-organized and emerging overlay network, and CoopNet content distribution system . DHT-based networks have also been widely utilized for accomplishing efficient resource discovery for grid computing systems, as it aids in resource management and scheduling of applications. Hybrid models are

1836-488: The application layer peers can communicate with each other directly, via the logical overlay links (each of which corresponds to a path through the underlying physical network). Overlays are used for indexing and peer discovery, and make the P2P system independent from the physical network topology. Based on how the nodes are linked to each other within the overlay network, and how resources are indexed and located, we can classify networks as unstructured or structured (or as

1904-422: The single point of failure that can be inherent in a client–server based system. As nodes arrive and demand on the system increases, the total capacity of the system also increases, and the likelihood of failure decreases. If one peer on the network fails to function properly, the whole network is not compromised or damaged. In contrast, in a typical client–server architecture, clients share only their demands with

1972-598: The "freeloader problem"). Freeloading can have a profound impact on the network and in some cases can cause the community to collapse. In these types of networks "users have natural disincentives to cooperate because cooperation consumes their own resources and may degrade their own performance". Studying the social attributes of P2P networks is challenging due to large populations of turnover, asymmetry of interest and zero-cost identity. A variety of incentive mechanisms have been implemented to encourage or even force nodes to contribute resources. Some researchers have explored

2040-531: The 365 different computer viruses that were tested for. Corrupted data can also be distributed on P2P networks by modifying files that are already being shared on the network. For example, on the FastTrack network, the RIAA managed to introduce faked chunks into downloads and downloaded files (mostly MP3 files). Files infected with the RIAA virus were unusable afterwards and contained malicious code. The RIAA

2108-642: The Internet, and direct people towards a client–server -based application architecture. The client–server model provides financial barriers-to-entry to small publishers and individuals, and can be less efficient for sharing large files. As a reaction to this bandwidth throttling , several P2P applications started implementing protocol obfuscation, such as the BitTorrent protocol encryption . Techniques for achieving "protocol obfuscation" involves removing otherwise easily identifiable properties of protocols, such as deterministic byte sequences and packet sizes, by making

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2176-717: The US after the Virgin Group made a majority stake investment in CircleLending, a company that facilitated peer-to-peer loans. Virgin Money USA entered into dissolution on 1 November 2010, and is no longer listed as a Virgin property on the Virgin Money home page; the Virgin Money US site itself was also dismantled. Virgin Money subsequently withdrew entirely from the US market and its social lending servicing

2244-500: The United States, over conflicts with copyright law. Two major cases are Grokster vs RIAA and MGM Studios, Inc. v. Grokster, Ltd. . In the last case, the Court unanimously held that defendant peer-to-peer file sharing companies Grokster and Streamcast could be sued for inducing copyright infringement. The P2PTV and PDTP protocols are used in various peer-to-peer applications. Some proprietary multimedia applications leverage

2312-527: The answered download requests on the gnutella network contained some form of malware, whereas only 3% of the content on OpenFT contained malware. In both cases, the top three most common types of malware accounted for the large majority of cases (99% in gnutella, and 65% in OpenFT). Another study analyzing traffic on the Kazaa network found that 15% of the 500,000 file sample taken were infected by one or more of

2380-447: The availability of files being shared. If the administrators decide to no longer distribute a file, they simply have to remove it from their servers, and it will no longer be available to users. Along with leaving the users powerless in deciding what is distributed throughout the community, this makes the entire system vulnerable to threats and requests from the government and other large forces. For example, YouTube has been pressured by

2448-445: The benefits of enabling virtual communities to self-organize and introduce incentives for resource sharing and cooperation, arguing that the social aspect missing from today's P2P systems should be seen both as a goal and a means for self-organized virtual communities to be built and fostered. Ongoing research efforts for designing effective incentive mechanisms in P2P systems, based on principles from game theory, are beginning to take on

2516-503: The cases the file sharing technology was ruled to be legal as long as the developers had no ability to prevent the sharing of the copyrighted material. To establish criminal liability for the copyright infringement on peer-to-peer systems, the government must prove that the defendant infringed a copyright willingly for the purpose of personal financial gain or commercial advantage. Fair use exceptions allow limited use of copyrighted material to be downloaded without acquiring permission from

2584-407: The client and server programs are distinct: the clients initiate the transfer, and the servers satisfy these requests. Peer-to-peer networks generally implement some form of virtual overlay network on top of the physical network topology, where the nodes in the overlay form a subset of the nodes in the physical network. Data is still exchanged directly over the underlying TCP/IP network, but at

2652-473: The content (especially with protocols such as Bittorrent that require users to share, refer a performance measurement study ). This property is one of the major advantages of using P2P networks because it makes the setup and running costs very small for the original content distributor. Peer-to-peer file sharing networks such as Gnutella , G2 , and the eDonkey network have been useful in popularizing peer-to-peer technologies. These advancements have paved

2720-405: The content managed by it, there is no guarantee that flooding will find a peer that has the desired data. Popular content is likely to be available at several peers and any peer searching for it is likely to find the same thing. But if a peer is looking for rare data shared by only a few other peers, then it is highly unlikely that the search will be successful. In structured peer-to-peer networks

2788-504: The core issues in the network neutrality controversy. Internet service providers ( ISPs ) have been known to throttle P2P file-sharing traffic due to its high- bandwidth usage. Compared to Web browsing, e-mail or many other uses of the internet, where data is only transferred in short intervals and relative small quantities, P2P file-sharing often consists of relatively heavy bandwidth usage due to ongoing file transfers and swarm/network coordination packets. In October 2007, Comcast , one of

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2856-474: The data look as if it were random. The ISP's solution to the high bandwidth is P2P caching , where an ISP stores the part of files most accessed by P2P clients in order to save access to the Internet. Researchers have used computer simulations to aid in understanding and evaluating the complex behaviors of individuals within the network. "Networking research often relies on simulation in order to test and evaluate new ideas. An important requirement of this process

2924-423: The involvement with sharing copyrighted material. Peer-to-peer networking involves data transfer from one user to another without using an intermediate server. Companies developing P2P applications have been involved in numerous legal cases, primarily in the United States, primarily over issues surrounding copyright law. Two major cases are Grokster vs RIAA and MGM Studios, Inc. v. Grokster, Ltd. In both of

2992-402: The lack of central authority in P2P networks, forces such as the recording industry, RIAA , MPAA , and the government are unable to delete or stop the sharing of content on P2P systems. In P2P networks, clients both provide and use resources. This means that unlike client–server systems, the content-serving capacity of peer-to-peer networks can actually increase as more users begin to access

3060-427: The largest broadband Internet providers in the United States, started blocking P2P applications such as BitTorrent . Their rationale was that P2P is mostly used to share illegal content, and their infrastructure is not designed for continuous, high-bandwidth traffic. Critics point out that P2P networking has legitimate legal uses, and that this is another way that large providers are trying to control use and content on

3128-489: The logo use a plain red circle, such as the variant used frequently in South Africa. Virgin Money's older logo was the word 'Virgin' in a red rounded skew rectangle, similar in shape to a credit card , followed by the word 'Money'. This logo remains in use in South Africa. The previous logo had used a red logo with the word 'Virgin' in a large circle and three smaller circles above the word 'Money'. Virgin Direct's logo had been

3196-495: The near term". Virgin Money's shareholders approved the deal on 21 March and it is expected to complete by the end of the year. Virgin Money had operations in South Africa. In 2006, Virgin Money South Africa launched with a credit card initially in a partnership with ABSA worth $ 33 million. In August 2020, it was announced that the company would be rebranding to Spot Money . In 2007, Virgin Money launched in

3264-529: The network using a hash table : that is, ( key , value ) pairs are stored in the DHT, and any participating node can efficiently retrieve the value associated with a given key. However, in order to route traffic efficiently through the network, nodes in a structured overlay must maintain lists of neighbors that satisfy specific criteria. This makes them less robust in networks with a high rate of churn (i.e. with large numbers of nodes frequently joining and leaving

3332-561: The network). More recent evaluation of P2P resource discovery solutions under real workloads have pointed out several issues in DHT-based solutions such as high cost of advertising/discovering resources and static and dynamic load imbalance. Notable distributed networks that use DHTs include Tixati , an alternative to BitTorrent's distributed tracker, the Kad network , the Storm botnet , and

3400-399: The network, the search query must be flooded through the network to find as many peers as possible that share the data. Flooding causes a very high amount of signaling traffic in the network, uses more CPU /memory (by requiring every peer to process all search queries), and does not ensure that search queries will always be resolved. Furthermore, since there is no correlation between a peer and

3468-477: The others, thus the products vary from country to country. Virgin Money currently has operations in Australia with 150,000 customers and is owned by Bank of Queensland . Virgin Money currently has operations in the United Kingdom, the company was initially established as a personal finance company under the name of Virgin Direct in 1995, and the Virgin Money brand itself was introduced in 2000. Virgin Money vastly increased its size and customer base in 2012 with

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3536-437: The overlay is organized into a specific topology, and the protocol ensures that any node can efficiently search the network for a file/resource, even if the resource is extremely rare. The most common type of structured P2P networks implement a distributed hash table (DHT), in which a variant of consistent hashing is used to assign ownership of each file to a particular peer. This enables peers to search for resources on

3604-409: The overlay. Also, because the role of all peers in the network is the same, unstructured networks are highly robust in the face of high rates of "churn"—that is, when large numbers of peers are frequently joining and leaving the network. However, the primary limitations of unstructured networks also arise from this lack of structure. In particular, when a peer wants to find a desired piece of data in

3672-602: The purchase of the so-called 'good bank' portion of the nationalised Northern Rock bank. In 2018, the entire UK operation of Virgin Money was sold to CYBG plc in a £1.7bn all-share deal which made the group the sixth-largest bank in the UK. On 31 October 2019 CYBG plc changed its name to Virgin Money UK plc . On 7 March 2024 Nationwide Building Society , the UK's largest building society , announced that they had made an offer to buy Virgin Money UK plc for £2.9 billion. Under

3740-401: The rights holders. These documents are usually news reporting or under the lines of research and scholarly work. Controversies have developed over the concern of illegitimate use of peer-to-peer networks regarding public safety and national security. When a file is downloaded through a peer-to-peer network, it is impossible to know who created the file or what users are connected to the network at

3808-455: The routing tables of neighboring nodes by sending them false information, and "incorrect routing network partition" where when new nodes are joining they bootstrap via a malicious node, which places the new node in a partition of the network that is populated by other malicious nodes. The prevalence of malware varies between different peer-to-peer protocols. Studies analyzing the spread of malware on P2P networks found, for example, that 63% of

3876-441: The same file it designates that the node choose the fastest of its neighbors. Streaming media is transmitted by having clients cache the previous stream, and then transmit it piece-wise to new nodes. Peer-to-peer systems pose unique challenges from a computer security perspective. Like any other form of software , P2P applications can contain vulnerabilities . What makes this particularly dangerous for P2P software, however,

3944-421: The same term [REDACTED] This disambiguation page lists articles associated with the title Virgin Money . If an internal link led you here, you may wish to change the link to point directly to the intended article. Retrieved from " https://en.wikipedia.org/w/index.php?title=Virgin_Money&oldid=1236035824 " Category : Disambiguation pages Hidden categories: Short description

4012-415: The system, but not their resources. In this case, as more clients join the system, fewer resources are available to serve each client, and if the central server fails, the entire network is taken down. There are both advantages and disadvantages in P2P networks related to the topic of data backup , recovery, and availability. In a centralized network, the system administrators are the only forces controlling

4080-480: The terms of the deal the resulting company would be rebranded under the Nationwide banner over the next 6 years with the Virgin Money brand eventually disappearing. Nationwide intends to remain as a building society and for the "medium-term" the Virgin Money business would remain its own legal entity with its own banking licence. Nationwide aims to not make any material changes to Virgin Money's 7,300 employees "in

4148-640: The traditional client–server model in which the consumption and supply of resources are divided. While P2P systems had previously been used in many application domains , the architecture was popularized by the Internet file sharing system Napster , originally released in 1999. P2P is used in many protocols such as BitTorrent file sharing over the Internet and in personal networks like Miracast displaying and Bluetooth radio. The concept has inspired new structures and philosophies in many areas of human interaction. In such social contexts, peer-to-peer as

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4216-450: The user or client perspective that offers a self-organizing approach to newsgroup servers. However, news servers communicate with one another as peers to propagate Usenet news articles over the entire group of network servers. The same consideration applies to SMTP email in the sense that the core email-relaying network of mail transfer agents has a peer-to-peer character, while the periphery of Email clients and their direct connections

4284-554: The way for Peer-to-peer content delivery networks and services, including distributed caching systems like Correli Caches to enhance performance. Furthermore, peer-to-peer networks have made possible the software publication and distribution, enabling efficient sharing of Linux distribution and various games though file sharing networks. Peer-to-peer networking involves data transfer from one user to another without using an intermediate server. Companies developing P2P applications have been involved in numerous legal cases, primarily in

4352-601: Was built with decentralized servers and tracker software dedicated to any type of files and continues to operate today. Cryptocurrencies are peer-to-peer-based digital currencies that use blockchains Cooperation among a community of participants is key to the continued success of P2P systems aimed at casual human users; these reach their full potential only when large numbers of nodes contribute resources. But in current practice, P2P networks often contain large numbers of users who utilize resources shared by other nodes, but who do not share anything themselves (often referred to as

4420-464: Was envisioned in earlier software systems and networking discussions, reaching back to principles stated in the first Request for Comments , RFC 1. Tim Berners-Lee 's vision for the World Wide Web was close to a P2P network in that it assumed each user of the web would be an active editor and contributor, creating and linking content to form an interlinked "web" of links. The early Internet

4488-430: Was more open than the present day, where two machines connected to the Internet could send packets to each other without firewalls and other security measures. This contrasts with the broadcasting -like structure of the web as it has developed over the years. As a precursor to the Internet, ARPANET was a successful peer-to-peer network where "every participating node could request and serve content". However, ARPANET

4556-407: Was not self-organized, and it could not "provide any means for context or content-based routing beyond 'simple' address-based routing." Therefore, Usenet , a distributed messaging system that is often described as an early peer-to-peer architecture, was established. It was developed in 1979 as a system that enforces a decentralized model of control. The basic model is a client–server model from

4624-522: Was transferred to its servicing partner, Graystone Solutions, which continues to service the social loans under its own brand. Virgin Money's logo is focused around the main logo of Virgin Group , which is an underlined word 'Virgin' in a red and magenta gradient coloured circle. This logo was introduced in January 2012 to signify the purchase of Northern Rock, which used a magenta logo. Some versions of

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