Archive for the 'non-bank payments' Category


Also see the non-bank payments category on the Blindside Wiki

Bullet Points v2

* BOSTON - Dominated by home-cleaning gadgets, the consumer robotics market is expanding with the arrival of ‘bots that can spy inside your home when you’re away or arrange virtual meetings of family or friends.

* TOKYO, Japan (AP) — Orderly, pornography-free and safe for children, “meet-me,” an online interactive virtual Tokyo, is Japan’s answer to “Second Life.”

* WASHINGTON (CNN) — Using a Facebook profile, police arrested a suspect in an attack on the Georgetown University campus.

* SAN MIGUEL, Philippines - It’s Thursday, so 18-year-old Dennis Tiangco is off to a bank to collect his weekly allowance, zapped by his mother — who’s working in Hong Kong — to his electronic wallet: his cell phone.

* SAN FRANCISCO - A thief stole a laptop computer containing unencrypted personal information of 800,000 people who applied for jobs at Gap Inc., the clothing retailer announced Friday.

* TOKYO (AFP) - A research group will be set up in Japan to develop optical technology that will replace the Internet Protocol as the global standard in communications, a report said Sunday.

* (As noted by Wendy below) SEATTLE - Microsoft Corp.’s Excel 2007 spreadsheet program is going to have to relearn part of its multiplication table.

* (It’s not just the UK): FBI’s cybercrime efforts lagging: The growing problem of cybercrimes used by both scofflaws and hostile governments was given the No. 3 priority status by the FBI, but the Washington Post reports that few dollars and agents are assigned to its prevention.

* An online malware measuring tool has unexpectedly rated U.K. PCs as having the lowest level of infection in Europe.

The emerging issues and their impact - a preliminary assessment

Here’s our preliminary assessment of the main categories of emerging technology issues, along with an impact rating. Each is discussed in more preliminary detail on the Blindside Wiki. We will be reporting to the Cabinet Office in mid-July on those that assessed as having an impact level of 3, and need full expert descriptions by that date.

This is your chance to tell us we’re on the wrong track: to add stuff; to argue that somethings missing, over-rated or under-rated. Don’t miss it!

Category Impact (from 3/high to 1/low)
————————
CCTV 3
Convergence 3
Location-based services 3
Mobile and Pervasive Computing 3
Open Standards 3
Anonymity 3
Data breaches 3
E-Voting 3
Human rights (intersection with emerging technology) 3
Identity management 3
NHS IT 3
Non-bank payment service providers 3
People and IT 3
Mission Critical Legacy Systems 3
Rampancy: AI gone wrong 3
Surveillance society effects 3
Semantic Web 3
Self-reproducing technologies: the “GRINs” 3
- *Geno- 3
- *Robo- 3
- *Info- 3
- *Nano- 3
Social media 3
APIs 2
Bandwidth - massive wireless and cable bandwith to the home 2
Shared Service Management 2
Ultraportable devices 2
Automated number-plate recognition (ANPR) 2
Bad sysadmin procedures 2
Bad procedures - other 2
Changes to daylight saving time in the US 2
Public sector databases on children 2
Keyloggers 2
Phishing 2
Phones as bugs 2
Technologies for Non-Repudiation 2
Underground economy servers 2
Unencrypted email 2
Biometrics - unencrypted 2
Windows Vista and other operating systems 2
Government IT projects 2
DNA terrorism 2
On demand computing (ODC) 2
Grid Computing 2
Quantum Computing 2
plus in the lower impact categories (please use the search box if you want to add to these):
Aeronautical cabin services 1
OpenDocument 1
Service-oriented architecture 1
APIs that change without warning 1
Cybercrime 1
Electronic banking 1
Fraud Websites 1
Search Engine Logs 1
Spam 1
Computing Monoculture 1
DRM and its side-effects 1
Environmental side-effects 1
Exploding Batteries 1
Optical Computing 1
User-generated content 1
Virtualisation 1
Generation C - the knowledge nomads 0

Thank you for any help, comments, suggestions.

This royal throne of kings, this sceptred isle, this… Heathrow

The chaotic present and hopeful future of information systems exists in a microcosm about 30 minutes by tube from my flat, and I daily watch a stately procession of airliners descending to Heathrow Airport, a beautiful, if not quite silent, parade. It is at Heathrow airport that the current need for better performance on every topic covered in this blog is demonstrated. It is a non-sterile testing environment and the ultimate pilot project to test the ability of information systems and information assurance to integrate modern technology to meet the needs of a mass public. You may have noticed that I ticked every category we use in assigning this blog post its proper place in our own information hierarchy. It’s not a coincidence.

Let’s walk through the daily issues faced at Heathrow from an information standpoint:

1. About half of all tickets to fly are booked via the Internet, and that information must be completely available to several very different systems immediately and be perfectly accurate.
2. Parking systems must provide availability, administrative and financial information.
3. Public transportation systems must send and receive useful information about current operations and schedule changes, and receive and use similar information from several different airport systems.
4. The logistics of welcoming, feeding, watering and moving 67.7 million people per year (and taking care of 70,000 employees) are an interesting challenge, as is maintaining 48,000 square metres of retail space. Private security, first aid, tourist information, all of these have information issues attached.
5. Oh yes–core business–mustn’t forget–90 airlines, 186 destinations, 469,000 ‘air transport movements’ (er, would that translate to flights in English?) annually. Information requirements include weather at each destination, status of all airports and traffic, passenger information (but more on that below…)
6. On-time status of flights relating to connecting flights.
7. Correlating information from HMRC (well, more the C part than the R) with the Home Office (now with both parts of the newly divorced members of what was once one) and probably discreet communications with agencies using numbers as well as initials.
8. Communicating with the Civil Aviation Authority, National Air Transport System, HM Immigration–of course I’m sure they all use the same electronic forms that grab data smoothly from Heathrow systems… right?
9. Communicating with the media–and having the capability of communicating with international media
10. Having co-ordinated disaster preparedness programmes that are up to date as well as up to snuff.

Probably missed half a dozen supremely vital information systems there… but it’s Sunday morning, so it’s okay. (Did somebody say baggage?)

Lots of things to go wrong there. Amazingly, not much does. (Did somebody say baggage–again?) That’s why when things do go wrong it’s news.

Notice they don’t have an uber-contractor trying to integrate all systems and dictate technology standards and usage. Strange, that. And I’ll bet they often use trainer-net(where some employee puts on trainers and walks information to diverse destinations). But that’s how functional communities develop–and despite grumbling and glitches, Heathrow functions as an information community: People get to destinations, planes don’t fall out of the sky. Successful information communities do seem to develop from the ground up, not the top down.

I guess the point I’m trying to make is that information systems and information assurance issues develop in an ecosystem not a vacuum. Complexity in information management is probably a geometric rather than arithmetic function relating to the number of actors involved. And yet don’t we often see government requirements for information systems that are internally oriented and indeed self-referential? The box must be this big with holes here and here, and those holes must be guarded in this way. I think more than anything else, government’s inability to get value for money from IT investment is based on this issue.

Please feel free to contribute complaints about Heathrow in the comments–I’ve suffered there myself. My praise is directed at a higher level, at finding a community that functions. Your nominations?

Ross Anderson argues for less ID management and more traceable money

Posted by William Heath in Humanity nature and activity, non-bank payments at May 12th, 2007

Ross Anderson posts a terrific paper he’s done for the Fed, arguing we should spend less effort tracking people and more effort tracking money (see Light Blue Touchpaper).

He points out the dangers and irritations of the post-9-11 switch from thoughtful risk management to a mechanical due diligence:

Thanks to pressure from the Financial Action Task Force (FATF), bank customers worldwide have become familiar with an ‘identity circus’ over the last few years – where even private bankers feel driven to write to customers of thirty years’ standing asking them for utility bills as proof of address. This is not merely ridiculous, as private bankers know their customers far better than the gas company does; it is a classic example of risk management having been displaced by due diligence, which in turn creates moral hazard. A corrupt bank manager may reckon he can get away with opening accounts for a money launderer so long as he has a bundle of gas bills filed away. Gas bills are easy enough for the wicked to forge, especially now that the UK has over 400 gas companies, many ofwhich supply bills online. But the regulations are oppressive to many groups of law-abidingpeople, such as married women whose household bills are addressed to their husbands, and students arriving at university from overseas. The worst hit are people in the third world; there are millions of people living in huts in Africa with no addresses and no utilities but who need financial services as part of their route out of poverty.