Digital Commons Network^™

Deep Learning Approaches For Anti-Money Laundering On Mobile Transactions: Review, Framework, And Directions, Jiani Fan, Lwin Khin Shar, Ruichen Zhang, Ziyao Liu, Wenzhuo Yang, Dusit Niyato, Kwok-Yan Lam

Research Collection School Of Computing and Information Systems

Money laundering is a financial crime that obscures the origin of illicit funds, necessitating the development and enforcement of anti-money laundering (AML) policies by governments and organizations. The proliferation of mobile payment platforms and smart IoT devices has significantly complicated AML investigations. As payment networks become more interconnected, there is an increasing need for efficient real-time detection to process large volumes of transaction data on heterogeneous payment systems by different operators such as digital currencies, cryptocurrencies, and account-based payments. Most of these mobile payment networks are supported by connected devices, many of which are considered loT devices in the FinTech …

User Privacy In The Digital Playground: An In-Depth Investigation Of Facebook Instant Games, Sideeq Bello

LSU Master's Theses

Amid growing concerns over data privacy in web and mobile applications, this study aims to assess the privacy mechanisms in instant games on Facebook, a platform with approximately 3.03 billion monthly active users and a substantial repository of personal data. Instant Games have become increasingly popular due to their ease of access and social integration features. Investigating these games can provide insights into privacy mechanisms and practices, thereby informing the development of more fair, compliant, and user privacy-centric gaming experiences. Thus, this study proposes an integrated analytical framework that leverages a combination of descriptive, memory, and network analysis techniques to …

Bridging The Protection Gap: Innovative Approaches To Shield Older Adults From Ai-Enhanced Scams, Ld Herrera, London Van Sickle, Ashley L. Podhradsky

Research & Publications

Artificial Intelligence (AI) is rapidly gaining popularity as individuals, groups, and organizations discover and apply its expanding capabilities. Generative AI creates or alters various content types including text, image, audio, and video that are realistic and challenging to identify as AI-generated constructs. However, guardrails preventing malicious use of AI are easily bypassed. Numerous indications suggest that scammers are already using AI to enhance already successful scams, improving scam effectiveness, speed and credibility, while reducing detectability of scams that target older adults, who are known to be slow to adopt new technologies. Through hypothetical cases analysis of two leading scams, the …

Privacy Perceptions On Personal Data And Data Breaches In South Africa, Phillip Nyoni, Mthulisi Velempini, Nehemiah Mavetera

The African Journal of Information Systems

Research shows that data breaches often occur when organizations fail to protect users’ personal data sufficiently well. Many devices are connected to the Internet such as mobile phones, smart cars, wearables and ‘Things’ which increase the number of potential entry points into data stores. This paper discusses the potential data privacy risks that users face online. The study used online content analysis and surveys to establish the privacy perceptions of users and trends of data breaches in South Africa. The findings reveal that users have a positive perception of data managers and view them as knowledgeable in data protection. Nevertheless, …

Federated Graph Anomaly Detection Via Contrastive Self-Supervised Learning, Xiangjie Kong, Wenyi Zhang, Hui Wang, Mingliang Hou, Xin Chen, Xiaoran Yan, Sajal K. Das

Computer Science Faculty Research & Creative Works

Attribute graph anomaly detection aims to identify nodes that significantly deviate from the majority of normal nodes and has received increasing attention due to the ubiquity and complexity of graph-structured data in various real-world scenarios. However, current mainstream anomaly detection methods are primarily designed for centralized settings, which may pose privacy leakage risks in certain sensitive situations. Although federated graph learning offers a promising solution by enabling collaborative model training in distributed systems while preserving data privacy, a practical challenge arises as each client typically possesses a limited amount of graph data. Consequently, naively applying federated graph learning directly to …

Optimizing E-Payment Applications For Older Adults: User-Centered Solutions To Improve Security, Privacy, Usability, And Accessibility, Urvashi Kishnani

Electronic Theses and Dissertations

In an increasingly digital world, older adults are rapidly becoming a vital demographic in the realm of electronic financial transactions. It is imperative to address their unique needs and challenges to ensure their financial well-being. Older adults can be more vulnerable to various online threats, making security and privacy paramount. As they adapt to the digital age, understanding their specific privacy concerns and preferences is crucial for creating trustworthy e-payment systems. Moreover, enhancing the usability of e-payment applications for older adults promotes financial independence and inclusion, contributing to their overall quality of life. By focusing on these critical dimensions, we …

Standing Up To Hackers: Article Iii Standing For Victims Of Data Breaches, Kendall Coffey

University of Miami Law Review

Despite the increasing amount of data breaches, there is no liability for parties who do not adequately protect victim’s information. In federal court, plaintiffs must show that their injury was concrete, particularized, and imminent. But, when plaintiffs’ information has been stolen, but not yet criminally used, they may be unable to establish a right to relief. Victims face challenges when seeking damage for this future harm, because despite their destroyed privacy, they may not have evidence of a perpetrator’s actual misuse of purloined data. This Article analyzes multiple court decisions, generally in the setting of class-actions, and discusses outcomes of …

Ip Addresses And Expeditious Disclosure Of Identity In India, Prashant Iyengar

Indian Journal of Law and Technology

Concomitant with the proliferation of cybercrime in India has been the use of Internet Protocol (IP) addresses by law enforcement agencies to track down criminals. While useful in many situations, the potential for misuse of this information raises important concerns for the privacy of individuals online. This note reviews the statutory mechanisms regulating the retention and disclosure of IP addresses by internet companies in India. It identifies and analyses the four broad sources to which the regime of IP Address disclosure by Internet Service Providers (ISP) may be traced: under the (i) operating licenses issued under the Telegrah Act, 1885, …

Emerging Internet Technologies And The Regulation Of User Privacy, Phil Nyoni, Mthulisi Velempini, Nehemiah Mavetera

The African Journal of Information Systems

Modern Internet-based technologies pose a threat to privacy, as they possess multiple sensors or features that collect data about users. There is a need to determine the privacy risks that affect users in South Africa as there are a few studies on the subject. A qualitative study was done which involved interviewing seven experts and a survey consisting of 101 respondents. The results show that regulators view emerging technologies as potentially risky and are motivated by public interest to develop protective laws. It therefore is necessary that regulators develop robust laws to help prevent privacy violations. Furthermore, this paper proposes …

Protection Of Privacy And Banking Secrecy In Swiss Banking, Bashkim Nuredini, Vesna Paunkoska Dodevska

UBT International Conference

Despite being one of the most developed and regulated countries in the world, Switzerland is also considered to be the leading financial center in the world. Everyone agrees with the fact that banking is one of the most recognizable activities in Switzerland, and also places it among the most important international financial centers with a long tradition, stretching back to medieval times.

Swiss banking is a synonym for a banking system in which the principle of secrecy in banking is widely used. Banking secrecy as an established practice is based on the fact that customer data is kept secret for …

Weaponizing Twitter Litter: Abuse-Forming Networks And Social Media, Hal Berghel

Computer Science Faculty Research

Instead of liberating us from the biases of the educated among us, the Internet has saddled us with the biases of the unreasoned among us.

Risk And Anxiety: A Theory Of Data Breach Harms, Daniel Solove, Danielle K. Citron

Faculty Scholarship

In lawsuits about data breaches, the issue of harm has confounded courts. Harm is central to whether plaintiffs have standing to sue in federal court and whether their claims are viable. Plaintiffs have argued that data breaches create a risk of future injury from identity theft or fraud and that breaches cause them to experience anxiety about this risk. Courts have been reaching wildly inconsistent conclusions on the issue of harm, with most courts dismissing data breach lawsuits for failure to allege harm. A sound and principled approach to harm has yet to emerge, resulting in a lack of consensus …

Protecting Personal Information: Achieving A Balance Between User Privacy And Behavioral Targeting, Patrick Myers

University of Michigan Journal of Law Reform

Websites and mobile applications provide immeasurable benefits to both users and companies. These services often collect vast amounts of personal information from the individuals that use them, including sensitive details such as Social Security numbers, credit card information, and physical location. Personal data collection and dissemination leave users vulnerable to various threats that arise from the invasion of their privacy, particularly because users are often ignorant of the existence or extent of these practices. Current privacy law does not provide users with adequate protection from the risks attendant to the collection and dissemination of their personal information. This Note advocates …

Risk Processing, Affect, And Efficacy In Online Privacy Behavior, Michael Shreeves

Theses

Cybersecurity research has indicated that people use simple heuristics to assess online privacy risk. Online warnings typically operate by encouraging systematic risk processing. A review of the literature on risk perception suggested that negative emotional affect produced by risk descriptions can both increase systematic processing and independently increase perceived risk. A review of fear appeals in health behavior research suggested that risk communications that produce fear will be rejected if an effective behavioral response recommendation is not provided. This study investigated the (a) impact of emotional vividness in warning descriptions and (b) response information presence on disclosure of a single …

Unfair Warning: Breach Notification In The Fcc’S Enhanced Telephone Records Safeguards, Stephen L. Markus

Cornell Journal of Law and Public Policy

No abstract provided.

Public Courts Versus Private Justice: It's Time To Let Some Sun Shine In On Alternative Dispute Resolution, Laurie Kratky Dore

Chicago-Kent Law Review

In her article, Public Courts versus Private Justice: It's Time to Let Some Sun Shine in on Alternative Dispute Resolution, Professor Laurie Doré explores the divergent attitudes toward confidentiality in litigation and confidentiality in alternative dispute resolution. In adjudicating even seemingly private disputes, a court balances the legitimate need for confidentiality against any countervailing public interest in disclosure. A strong presumption of public access attaches to judicial records and proceedings and good cause must support any protective, sealing, or confidentiality order of a court. Today, however, an increasing number of disputes that would otherwise be litigated before a judge …

Human Identification Theory And The Identity Theft Problem, Lynn M. Lopucki

UF Law Faculty Publications

This paper builds on the theory of human identification proposed by Professor Roger Clarke and uses the product as the basis for a proposed solution to the identity theft problem. The expanded theory holds that all human identification fits a single model. The identifior matches the characteristics of a person observed in a first observation with the characteristics of a person observed in a second observation to determine whether they are the same person. From the theory it follows that a characteristic used for identification in the credit reporting system, such as social security number, mother's maiden name and date …

Access And Aggregation: Privacy, Public Records, And The Constitution, Daniel J. Solove

GW Law Faculty Publications & Other Works

In this article, Professor Solove develops a theory to reconcile the tension between transparency and privacy in the context of public records. Federal and state governments maintain public records containing personal information spanning an individual's life from birth to death. The web of state and federal regulation that governs the accessibility of these records generally creates a default rule in open access to information. Solove contends that the ready availability of public records creates a significant problem for privacy because various bits of information when aggregated paint a detailed portrait of a person's life that Solove refers to as a …

Legislating U.S. Data Privacy In The Context Of National Identification Numbers: Models From South Africa And The United Kingdom, R. Brian Black

Cornell International Law Journal

No abstract provided.

Protecting Privacy With Deceptive Trade Practices Legislation , Jeff Sovern

Fordham Law Review

No abstract provided.

Privacy And Power: Computer Databases And Metaphors For Information Privacy, Daniel J. Solove

GW Law Faculty Publications & Other Works

Journalists, politicians, jurists, and legal academics often describe the privacy problem created by the collection and use of personal information through computer databases and the Internet with the metaphor of Big Brother - the totalitarian government portrayed in George Orwell's Nineteen Eighty-Four. Professor Solove argues that this is the wrong metaphor. The Big Brother metaphor as well as much of the law that protects privacy emerges from a longstanding paradigm for conceptualizing privacy problems. Under this paradigm, privacy is invaded by uncovering one's hidden world, by surveillance, and by the disclosure of concealed information. The harm caused by such invasions …

Principles Of Internet Privacy, Fred H. Cate

Articles by Maurer Faculty

The definition of privacy developed by Brandeis and Warren and Prosser, and effectively codified by Alan Westin in 1967 - the claim of individuals, groups, or institutions to determine for themselves when, how, and to what extent information about them is communicated to others - worked well in a world in which most privacy concerns involved physical intrusions (usually by the government) or public disclosures (usually by the media), which, by their very nature, were comparatively rare and usually discovered.

But that definition's exclusive focus on individual control has grown incomplete in a world in which most privacy concerns involve …

Privacy Protection For Consumer Transactions In Electronic Commerce: Why Self-Regulation Is Inadequate, Mark E. Budnitz

South Carolina Law Review

No abstract provided.