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Newsletter 03 August 2005

User Centred Design of Financial Services Project News Edition 05, August 03, 2005

User Centred Design (UCD) of Financial Services Project News is a fortnightly e-newsletter that keeps you in touch with what is happening in the Banking and E-Commerce streams of the Smart Internet Technology CRC project on Security, Trust, Identity and Privacy. The aim is to stimulate interaction with our wider project team, industry partners and researchers involved with the use and design of financial services.

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In this issue:
1. Responsibility of Website Hosts and ISPs Regarding Authorisation of Copyright Infringement
2. Stories from the field – Callie: Distrusts Internet Banking
3. Upcoming conferences & Useful links
4. Conference reports

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1. Responsibility of Website Hosts and ISPs Regarding Authorisation of Copyright Infringement
The issue of authorisation of copyright infringement by Internet Service Providers (ISP’s) and Web Site Hosts (WSHs) has been considered by a number of courts in some recent decisions in the United Stages and Australia. It is often difficult to identify specific individuals who might be infringing copyright in, say, a music file, so that legal action may be commenced against them, it is not difficult, however to identify those Internet sites which are used by individuals to access copyrightable content, and so copyright owners and suppliers have targeted the controllers of such sites, starting with Napster in 2000.

To prove that an ISP or WSH is authorising copyright infringement, the plaintiff must be able to show that the defendant accused of authorising infringement has the power to either prevent of control the means by which the infringement is occurring, must be in a position to be able to control or prevent the occurrence of the infringement and must have taken reasonable steps to have prevented or avoided the infringement.

The most recent case in Australia is Universal Music Australia Pty Ltd v Cooper [2005] FCA 972. Stephen Cooper, the defendant, operated a website that contained hyperlinks to music files. These hyperlinks were added to Cooper’s website without any direct action or intervention by Stephen Cooper. If a user clicked on a hyperlink, the music file was automatically downloaded to the user’s computer. Cooper placed a disclaimer on the website which stated, inter alia, that:

“….when you download a song, you take full responsibility for doing so. None of the files on this site are stored on our servers. We are just providing links to remote files.”

The Privacy Policy of the site also had a disclaimer which stated that:

“We are not responsible for any damage caused by downloading these files, or any content posted on this website or linked websites.”

Cooper had argued that merely making facilities available to individuals to allow them to communicate to others was not authorisation of infringement. Tamberlin J disagreed. He found that Cooper had actively encouraged users to download infringing material and had designed his website to facilitate this downloading. He also found that the ISP host of the website had also knowingly provided the means of copyright infringement. Both Cooper and the ISP had failed to take reasonable action to prevent the infringements occurring by removing or screening offending hyperlinks.

This decision is a common sense response to the knowing disregard of copyright breaches. It reinforces the expectations of ISPs in particular in respect of copyright. They must have acceptable procedures in place to handle copyright infringements for those activities they do not control, initiate and direct, and must take responsibility for being aware of potential copyright infringements.

Margaret,

Margaret Jackson
Leader, Identity Management & Impact of Changing Roles in E- and M-commerce
Professor of Computer Law
School of Accounting and Law
RMIT University
margaret.jackson@rmit.edu.au

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2. Stories from the field – Callie: Distrusts Internet Banking

Callie is in her late 50’s and is an academic. She has been a TAFE teacher in accounting for many years but successfully applied for a lecturer’s position in 2004. This change meant a drop in salary but opened up opportunities for further advancement.

Callie is a single mother with two daughters, one of whom is at university in her second year.

She has a distrust of online banking because she doubts that banks can guarantee security of their systems. She uses the Internet but wouldn’t buy anything online because of her security concerns.

She banks with a credit union for historical reasons. When she needed child care, she had to pay by cheque and bank fees on cheques were much higher than those of the credit union. She is happy with the credit union and won’t be changing. They have been flexible in their dealings with her in respect of her mortgage and have never been difficult to deal with as a woman.

Callie considers herself to be conservative when dealing with money, a trait she inherited from her parents. She believes her (university) daughter is also tending toward being conservative.

The next major event in Callie’s life will be planning for retirement. She needs to wait until her youngest daughter has left school and then can see a need for information about investments. She will probably research first through the internet and then may seek information from a financial adviser. She will probably sell her house and move to a smaller, more modern place in the same area.

Callie shares information freely with her family and a few close female friends. She has few concerns about privacy. She says that she knows that the Internet is insecure as she has done a lot of study in the IT area, even teaching in it. She says it can't be made secure so she is reluctant to trust it.

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3. Upcoming conferences & Useful links
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Upcoming Conferences
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*DUX2005 - Conference on Designing for User eXperience
November 3-5 2005, Fort Mason Center, San Francisco, CA
www.dux2005.org.au

DUX2005 will gather together researchers and practitioners of all the design disciplines and related fields to share their stories and experiences on how the needs and goals of both users and businesses are met through design.

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*Secure IT 2006
March 21-24 2006, Anaheim, California
http://www.secureitconf.com/index.asp

The Secure IT 2006 Program Committee requests proposals for papers to be presented at the Secure IT 2006 Information Technology and Network Security Conference in March 21-24, 2006 in Anaheim , California. Conference presentations will address the technical, management, and curriculum development aspects of information security and assurance. The deadline for submission of proposals is October 15, 2005.
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Useful Links
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*Australia Card Links
As the debate over the need for a national identity card re-emerges in Australia, we have sourced a number of useful links to give you an overview of the topic. SITCRC will also have some involvement in this area in the near future.
Caslon Analytics: a compilation of resources which considers the 1980s Australia Card and other ubiquitous personal identifier and national registration schemes in Australia.
http://www.caslon.com.au/australiacardprofile.htm

Roger Clarke: ‘Just another piece of plastic for your wallet: the Australia Card scheme’, 1987. Clarke is a prolific privacy commentator, and this paper outlines the original proposal for a national identity card, and comments on its technical features, its economics, and its implications.
http://www.anu.edu.au/people/Roger.Clarke/DV/OzCard.html

Privacy International: a comprehensive guide and FAQ on ID cards worldwide.
http://www.privacy.org/pi/activities/idcard/

The Australian: one of the original news items regarding the 2005 identity card scheme proposals.
http://www.theaustralian.news.com.au/common/story_page/0,5744,15976096%255E2702,00.html

Graham Greenleaf: ‘The Australia Card: towards a national surveillance system’, 1987. Greenleaf is a Lecturer in Law at University of New South Wales and amongst other roles is Co-Director of the Australasian Legal Information Institute.
http://austlii.edu.au/itlaw/articles/GGozcard.html


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4. Conference Reports
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*Human Computer Interaction International at Las Vegas, 22-27 July

The conference attracted over 2000 people from 63 countries. It was the first time there was a program track on Usability and Internationalization. Supriya Singh led a panel on Cross Cultural User-Centred Design. SITCRC was represented in three papers:

*Cultural Barriers in the Adoption of Emerging Technologies
By Jenine Beekhuyzen; Liisa von Hellens; Mark Siedle

Access to communication technology continues to be a global problem. Even in developed countries, minority groups are disadvantaged in terms of technology use because of limited ability to utilize the emerging technologies or access to such technologies. This paper reviews the literature of technology adoption across different national cultures and discusses the technology adoption within small and medium sized enterprises (SME). The Australian situation is compared and contrasted with other countries and a research agenda is suggested.
View paper at: http://www.ucd.smartinternet.com.au/papers.html

*Designing for Money Across Borders
By Supriya Singh

This paper translates the sociological findings of the use of domestic money across cultures, into scenarios for the design of electronic money and banking. This paper draws on qualitative studies in the sociology and anthropology of money, and international payments literature that show people use money differently across cultures in four main ways. These cultural insights into the use and nature of money are translated into scenarios of money transfers in diasporas, group authentication and the use of a mix of traditional and electronic channels for engendering trust.
View paper at: http://www.ucd.smartinternet.com.au/papers.html

*The Mobile Phone as the Globalizing Icon of the Early 21st Century
By Christine Satchell & Supriya Singh

This paper presents the findings from a qualitative study of mobile phones and youth culture in Melbourne, Australia. Mobile facilitated interaction is driving a fundamental change in social mores with respect to engagement and commitment, to notions of fluid time versus fixed time and ultimately to urban mobility. While the results are based on a localized study, it is proposed that this phenomenon is happening across societies and that mobile phones themselves are becoming the globalizing icon of youth culture in the early 21st Century.
View paper at: http://www.ucd.smartinternet.com.au/papers.html

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SIGGRAPH 2005 at Los Angeles

Christine Satchell and the SWARM will be part of the cyber fashion event at SIGGRAPH, with about 15,000 people attending. One of the top LA models is the SWARM girl. Christine writes “She represents the digtial avatar concept. It’s all working well because most of the demos are bringing tech to fashion but I’m trying to bring fashion to technology”.
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