Search results for: Consumer protection
Commenced in January 2007
Frequency: Monthly
Edition: International
Paper Count: 888

Search results for: Consumer protection

768 Improve of Evaluation Method for Information Security Levels of CIIP (Critical Information Infrastructure Protection)

Authors: Dong-Young Yoo, Jong-Whoi Shin, Gang Shin Lee, Jae-Il Lee

Abstract:

As the disfunctions of the information society and social development progress, intrusion problems such as malicious replies, spam mail, private information leakage, phishing, and pharming, and side effects such as the spread of unwholesome information and privacy invasion are becoming serious social problems. Illegal access to information is also becoming a problem as the exchange and sharing of information increases on the basis of the extension of the communication network. On the other hand, as the communication network has been constructed as an international, global system, the legal response against invasion and cyber-attack from abroad is facing its limit. In addition, in an environment where the important infrastructures are managed and controlled on the basis of the information communication network, such problems pose a threat to national security. Countermeasures to such threats are developed and implemented on a yearly basis to protect the major infrastructures of information communication. As a part of such measures, we have developed a methodology for assessing the information protection level which can be used to establish the quantitative object setting method required for the improvement of the information protection level.

Keywords: Information Security Evaluation Methodology, Critical Information Infrastructure Protection.

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767 Privacy Protection Principles of Omnichannel Approach

Authors: Renata Mekovec, Dijana Peras, Ruben Picek

Abstract:

The advent of the Internet, mobile devices and social media is revolutionizing the experience of retail customers by linking multiple sources through various channels. Omnichannel retailing is a retailing that combines multiple channels to allow customers to seamlessly leverage all the distribution information online and offline while shopping. Therefore, today data are an asset more critical than ever for all organizations. Nonetheless, because of its heterogeneity through platforms, developers are currently facing difficulties in dealing with personal data. Considering the possibilities of omnichannel communication, this paper presents channel categorization that could enhance the customer experience of omnichannel center called hyper center. The purpose of this paper is fundamentally to describe the connection between the omnichannel hyper center and the customer, with particular attention to privacy protection. The first phase was finding the most appropriate channels of communication for hyper center. Consequently, a selection of widely used communication channels has been identified and analyzed with regard to the effect requirements for optimizing user experience. The evaluation criteria are divided into 3 groups: general, user profile and channel options. For each criterion the weight of importance for omnichannel communication was defined. The most important thing was to consider how the hyper center can make user identification while respecting the privacy protection requirements. The study carried out also shows what customer experience across digital networks would look like, based on an omnichannel approach owing to privacy protection principles.

Keywords: Personal data, privacy protection, omnichannel communication, retail.

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766 The Implementation of Anti-Circumvention Legislations in Thai Copyright System

Authors: Chuencheewin Yimfuang

Abstract:

The WIPO copyright treaty (WCT) was established by the World Intellectual Property Organisation (WIPO). This agreement required the contracting nations to provide adequate protection to technological measures to prevent massive copyright infringement in the internet system. Thailand had to implement the anti-circumvention rules into domestic legislation to comply with this international obligation. The purpose of this paper is to critically discuss the legislative standard under the WCT. It also aims to examine the legal development of technological protection measures in Thailand and demonstrate that the scope of prohibitions under the copyright Act 2022 (NO.5) is similar to the Digital Millennium Copyright Act 1998 (DMCA) of the United States (US). It could be found that the anti-circumvention laws of Thailand prohibit the circumvention of access-control technologies, and the regulation on trafficking circumvention devices has been added to the latest version of the Thai Copyright Act. These legislative evolutions have revealed the attempt to reinforce the legal protection of technological measures and copyright holders in order to be in line with global practices. However, the amendment has problems concerning the legal definitions of effective technological measure and the prohibited act of circumvention. The vagueness might affect the scope of protection and the boundary of prohibition. With this aspect, the DMCA will be evaluated and compared to gain guidelines for interpretation and enforcement in Thailand. The lessons and experiences learned from this study might be useful to correct the flaws or at least clarify the ambiguities embodied in Thai copyright legislation.

Keywords: Legal Development Technological Protection Measure, prohibition, circumvention, Thailand.

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765 Consumer Market for Mineral Water and Development Policy in Georgia

Authors: G. Erkomaishvili

Abstract:

The paper discusses mineral water consumer market and development policy in Georgia, the tools and measures, which will contribute to production of mineral waters and increase its export. The paper studies and analyses current situation in mineral water production sector as well as the factors affecting increase and reduction of its export. It’s noted that in order to gain and maintain competitive advantage, it’s necessary to provide continuous supply of high quality goods with modern design, open new distribution channels to enter new markets, carry out broad promotional activities, organize e-commerce. Economic policy plays an important role in protecting markets from counterfeit goods. The state also plays an important role in attracting foreign direct investments. Stable business environment and export oriented strategy is the basis for the country’s economic growth. Based on the research, the paper suggests the strategy for improving competitiveness of Georgian mineral waters; relevant conclusions and recommendations are provided.

Keywords: Mineral waters, consumer market for mineral waters, export of mineral waters, mineral water development policy in Georgia.

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764 Simulation of Hamming Coding and Decoding for Microcontroller Radiation Hardening

Authors: Rehab I. Abdul Rahman, Mazhar B. Tayel

Abstract:

This paper presents a method of hardening the 8051 micro-controller, able to assure reliable operation in the presence of bit flips caused by radiation. Aiming at avoiding such faults in the 8051 micro-controller, Hamming code protection was used in its SRAM memory and registers. A VHDL code has been used for this hamming code protection.

Keywords: Radiation, hardening, bitflip, hamming code.

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763 Consumer Perception of 3D Body Scanning While Online Shopping for Clothing

Authors: A. Grilec, S. Petrak, M. Mahnic Naglic

Abstract:

Technological development and the globalization in production and sales of clothing in the last decade have significantly influenced the changes in consumer relationship with the industrial-fashioned apparel and in the way of clothing purchasing. The Internet sale of clothing is in a constant and significant increase in the global market, but the possibilities offered by modern computing technologies in the customization segment are not yet fully involved, especially according to the individual customer requirements and body sizes. Considering the growing trend of online shopping, the main goal of this paper is to investigate the differences in customer perceptions towards online apparel shopping and particularly to discover the main differences in perceptions between customers regarding three different body sizes. In order to complete the research goal, the quantitative study on the sample of 85 Croatian consumers was conducted in 2017 in Zagreb, Croatia. Respondents were asked to indicate their level of agreement according to a five-point Likert scale ranging from strongly disagree (1) to strongly agree (5). To analyze attitudes of respondents, simple and descriptive statistics were used. The main findings highlight the differences in respondent perception of 3D body scanning, using 3D body scanning in Internet shopping, online apparel shopping habits regarding their body sizes.

Keywords: Consumer behavior, online shopping, 3D body scanning.

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762 Adaptive Envelope Protection Control for the below and above Rated Regions of Wind Turbines

Authors: Mustafa Sahin, İlkay Yavrucuk

Abstract:

This paper presents a wind turbine envelope protection control algorithm that protects Variable Speed Variable Pitch (VSVP) wind turbines from damage during operation throughout their below and above rated regions, i.e. from cut-in to cut-out wind speed. The proposed approach uses a neural network that can adapt to turbines and their operating points. An algorithm monitors instantaneous wind and turbine states, predicts a wind speed that would push the turbine to a pre-defined envelope limit and, when necessary, realizes an avoidance action. Simulations are realized using the MS Bladed Wind Turbine Simulation Model for the NREL 5 MW wind turbine equipped with baseline controllers. In all simulations, through the proposed algorithm, it is observed that the turbine operates safely within the allowable limit throughout the below and above rated regions. Two example cases, adaptations to turbine operating points for the below and above rated regions and protections are investigated in simulations to show the capability of the proposed envelope protection system (EPS) algorithm, which reduces excessive wind turbine loads and expectedly increases the turbine service life.

Keywords: Adaptive envelope protection control, limit detection and avoidance, neural networks, ultimate load reduction, wind turbine power control.

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761 Analyzing Current Transformers Saturation Characteristics for Different Connected Burden Using LabVIEW Data Acquisition Tool

Authors: D. Subedi, S. Pradhan

Abstract:

Current transformers are an integral part of power system because it provides a proportional safe amount of current for protection and measurement applications. However, when the power system experiences an abnormal situation leading to huge current flow, then this huge current is proportionally injected to the protection and metering circuit. Since the protection and metering equipment’s are designed to withstand only certain amount of current with respect to time, these high currents pose a risk to man and equipment. Therefore, during such instances, the CT saturation characteristics have a huge influence on the safety of both man and equipment and on the reliability of the protection and metering system. This paper shows the effect of burden on the Accuracy Limiting factor/ Instrument security factor of current transformers and the change in saturation characteristics of the CT’s. The response of the CT to varying levels of overcurrent at different connected burden will be captured using the data acquisition software LabVIEW. Analysis is done on the real time data gathered using LabVIEW. Variation of current transformer saturation characteristics with changes in burden will be discussed.

Keywords: Accuracy limiting factor, burden, current transformer, instrument security factor, saturation characteristics.

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760 Assessment of Pollution Reduction

Authors: Katarzyna Strzała-Osuch

Abstract:

Environmental investments, including ecological projects, relating to the protection of atmosphere are today a need. However, investing in the environment should be based on rational management rules. This comes across a problem of selecting a method to assess substances reduced during projects. Therefore, a method allowing for the assessment of decision rationality has to be found. The purpose of this article is to present and systematise pollution reduction assessment methods and illustrate theoretical analyses with empirical data. Empirical results confirm theoretical considerations, which proved that the only method for judging pollution reduction, free of apparent disadvantages, is the Eco 99-ratio method. To make decisions on environmental projects, financing institutions should take into account a rationality rule. Therefore the Eco 99-ratio method could be applied to make decisions relating to environmental investments in the area of air protection.

Keywords: Assessment of pollution reduction, costs of environmental protection, efficiency of environmental investments.

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759 A Biometric Template Security Approach to Fingerprints Based on Polynomial Transformations

Authors: Ramon Santana

Abstract:

The use of biometric identifiers in the field of information security, access control to resources, authentication in ATMs and banking among others, are of great concern because of the safety of biometric data. In the general architecture of a biometric system have been detected eight vulnerabilities, six of them allow obtaining minutiae template in plain text. The main consequence of obtaining minutia templates is the loss of biometric identifier for life. To mitigate these vulnerabilities several models to protect minutiae templates have been proposed. Several vulnerabilities in the cryptographic security of these models allow to obtain biometric data in plain text. In order to increase the cryptographic security and ease of reversibility, a minutiae templates protection model is proposed. The model aims to make the cryptographic protection and facilitate the reversibility of data using two levels of security. The first level of security is the data transformation level. In this level generates invariant data to rotation and translation, further transformation is irreversible. The second level of security is the evaluation level, where the encryption key is generated and data is evaluated using a defined evaluation function. The model is aimed at mitigating known vulnerabilities of the proposed models, basing its security on the impossibility of the polynomial reconstruction.

Keywords: Fingerprint, template protection, bio-cryptography, minutiae protection.

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758 Role of Social Capital on Consumer Attitudes, Peer Influence and Behavioral Intentions: A Social Media Perspective

Authors: Qazi Mohammed Ahmed, Osman Sadiq Paracha, Iftikhar Hussain

Abstract:

The study aims to explore the unaddressed relationship between social capital and consumers’ underlying behavioral intentions. The study postulates that this association is mediated by the role of attitudes and peer influence. The research attains evidence from a usable sample of 673 responses. The majority consists of the young and energetic social media users of Pakistan that utilize virtual communities as a way of life. A variance based structural equation modeling has been applied through SmartPLS 3. The results reveal that social capital exerts a statistically supportive association with both attitudes and peer influence. Contrastingly, this predictor variable shows an insignificant linkage with behavioral intentions but this relationship is fully mediated by consumer attitudes and peer influence. The paper enhances marketing literature with respect to an unexplored society of Pakistan. It also provides a lens for the contemporary advertisers, in terms of supporting their social media campaigns with affiliative and cohesive elements. The study also identifies a series of predictor variables that could further be tested with attitudes, subjective norms and behavioral responses.

Keywords: Behavioral intentions, consumer attitudes, peer influence, social capital.

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757 Study on Status and Development of Hydraulic System Protection: Pump Combined With Air Chamber

Authors: I. Abuiziah, A. Oulhaj, K. Sebari, D. Ouazar, A. A. Saber

Abstract:

Fluid transient analysis is one of the more challenging and complicated flow problems in the design and the operation of water pipeline systems (wps). When transient conditions "water hammer" exists, the life expectancy of the wps can be adversely impacted, resulting in pump and valve failures and catastrophic pipe ruptures. Transient control has become an essential requirement for ensuring safe operation of wps. An accurate analysis and suitable protection devices should be used to protect wps. This paper presents the problem of modeling and simulation of transient phenomena in wps based on the characteristics method. Also, it provides the influence of using the protection devices to control the adverse effects due to excessive and low pressure occur in the transient. The developed model applied for main wps: pump combined with closed surge tank connected to a reservoir. The results obtained provide that the model is an efficient tool for water hammer analysis. Moreover; using the closed surge tank reduces the unfavorable effects of transients.

Keywords: Flow Transient, Water hammer, Pipeline System, Closed Surge Tank, Simulation Model, Protection Devices, Characteristics Method.

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756 Use of Vegetation and Geo-Jute in Erosion Control of Slopes in a Sub-Tropical Climate

Authors: Mohammad Shariful Islam, Shamima Nasrin, Md. Shahidul Islam, Farzana Rahman Moury

Abstract:

Protection of slope and embankment from erosion has become an important issue in Bangladesh. The constructions of strong structures require large capital, integrated designing, high maintenance cost. Strong structure methods have negative impact on the environment and sometimes not function for the design period. Plantation of vetiver system along the slopes is an alternative solution. Vetiver not only serves the purpose of slope protection but also adds green environment reducing pollution. Vetiver is available in almost all the districts of Bangladesh. This paper presents the application of vetiver system with geo-jute, for slope protection and erosion control of embankments and slopes. In-situ shear tests have been conducted on vetiver rooted soil system to find the shear strength. The shear strength and effective soil cohesion of vetiver rooted soil matrix are respectively 2.0 times and 2.1 times higher than that of the bared soil. Similar trends have been found in direct shear tests conducted on laboratory reconstituted samples. Field trials have been conducted in road embankment and slope protection with vetiver at different sites. During the time of vetiver root growth the soil protection has been accomplished by geo-jute. As the geo-jute degrades with time, vetiver roots grow and take over the function of geo-jutes. Slope stability analyses showed that vegetation increase the factor of safety significantly.

Keywords: Erosion, geo-jute, green technology, vegetation.

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755 Protection of Floating Roof Petroleum Storage Tanks against Lightning Strokes

Authors: F. M. Mohamed, A. Y. Abdelaziz

Abstract:

The subject of petroleum storage tank fires has gained a great deal of attention due to the high cost of petroleum, and the consequent disruption of petroleum production; therefore, much of the current research has focused on petroleum storage tank fires. Also, the number of petroleum tank fires is oscillating between 15 and 20 fires per year. About 33% of all tank fires are attributed to lightning. Floating roof tanks (FRT’s) are especially vulnerable to lightning. To minimize the likelihood of a fire, the API RP 545 recommends three major modifications to floating roof tanks. This paper was inspired by a stroke of lightning that ignited a fire in a crude oil storage tank belonging to an Egyptian oil company, and is aimed at providing an efficient lightning protection system to the tank under study, in order to avoid the occurrence of such phenomena in the future and also, to give valuable recommendations to be applied to floating roof tank projects.

Keywords: Crude oil, fire, floating roof tank, lightning protection system.

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754 BIP-Based Alarm Declaration and Clearing in SONET Networks Employing Automatic Protection Switching

Authors: Vitalice K. Oduol, C. Ardil

Abstract:

The paper examines the performance of bit-interleaved parity (BIP) methods in error rate monitoring, and in declaration and clearing of alarms in those transport networks that employ automatic protection switching (APS). The BIP-based error rate monitoring is attractive for its simplicity and ease of implementation. The BIP-based results are compared with exact results and are found to declare the alarms too late, and to clear the alarms too early. It is concluded that the standards development and systems implementation should take into account the fact of early clearing and late declaration of alarms. The window parameters defining the detection and clearing thresholds should be set so as to build sufficient hysteresis into the system to ensure that BIP-based implementations yield acceptable performance results.

Keywords: Automatic protection switching, bit interleaved parity, excessive bit error rate

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753 Safety of Industrial Networks

Authors: P. Vazan, P. Tanuska, M. Kebisek, S. Duchovicova

Abstract:

The paper deals with communication standards for control and production system. The authors formulate the requirements for communication security protection. The paper is focused on application protocols of the industrial networks and their basic classification. The typical attacks are analysed and the safety protection, based on requirements for specific industrial network is suggested and defined in this paper.

Keywords: Application protocols, communication standards, industrial networks.

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752 Competitive Advantage on the Road Again: Exploring Nuances through a Conceptual Review and Future Research Avenues

Authors: Abdolali Mortazavi, Faegheh Taheran

Abstract:

By giving an overview of previous arguments and findings concerned with the concept of competitive advantage, first, we define the overall concept of competitive advantage and discuss nuances of understanding such an important and strategic idea. Finally, by considering the major concerns of marketing academia, including globalization, Artificial Intelligence (AI)-based technologies, consumer well-being, and internal coopetition between a firm’s units, fruitful avenues to be explored by future studies are presented in the form of research propositions. In the end, relevant gaps mentioned by numerous studies that are worth investigating are demonstrated.

Keywords: Artificial Intelligence, competitive advantage, consumer well-being, coopetition, globalization, literature review, temporary competitive advantage.

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751 Impact of Electronic Word-of-Mouth to Consumer Adoption Process in the Online Discussion Forum: A Simulation Study

Authors: Aussadavut Dumrongsiri

Abstract:

Web-based technologies have created numerous opportunities for electronic word-of-mouth (eWOM) communication. There are many factors that affect customer adoption and decisionmaking process. However, only a few researches focus on some factors such as the membership time of forum and propensity to trust. Using a discrete-time event simulation to simulate a diffusion model along with a consumer decision model, the study shows the effect of each factor on adoption of opinions on on-line discussion forum. The purpose of this study is to examine the effect of factor affecting information adoption and decision making process. The model is constructed to test quantitative aspects of each factor. The simulation study shows the membership time and the propensity to trust has an effect on information adoption and purchasing decision. The result of simulation shows that the longer the membership time in the communities and the higher propensity to trust could lead to the higher demand rates because consumers find it easier and faster to trust the person in the community and then adopt the eWOM. Other implications for both researchers and practitioners are provided.

Keywords: word of mouth, simulation, consumer behavior, ebusiness, marketing, diffusion process.

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750 Fuzzy Neuro Approach to Busbar Protection; Design and Implementation

Authors: M. R. Aghaebrahimi, H. Khorashadi Zadeh

Abstract:

This paper presents a new approach for busbar protection with stable operation of current transformer during saturation, using fuzzy neuro and symmetrical components theory. This technique uses symmetrical components of current signals to learn the hidden relationship existing in the input patterns. Simulation studies are preformed and the influence of changing system parameters such as inception fault and source impedance is studied. Details of the design procedure and the results of performance studies with the proposed relay are given in the paper. An analysis of the performance of the proposed technique during ct saturation conditions is presented. The performance of the technique was investigated for a variety of operating conditions and for several busbar configurations. Data generated by EMTDC simulations of model power systems were used in the investigations. The results indicate that the proposed technique is stable during ct saturation conditions.

Keywords: Busbar protection, fuzzy neuro, Ct saturation.

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749 Modeling and Simulation of Overcurrent and Earth Fault Relay with Inverse Definite Minimum Time

Authors: Win Win Tun, Han Su Yin, Ohn Zin Lin

Abstract:

Transmission networks are an important part of an electric power system. The transmission lines not only have high power transmission capacity but also they are prone of larger magnitudes. Different types of faults occur in transmission lines such as single line to ground (L-G) fault, double line to ground (L-L-G) fault, line to line (L-L) fault and three phases (L-L-L) fault. These faults are needed to be cleared quickly in order to reduce damage caused to the system and they have high impact on the electrical power system equipment’s which are connected in transmission line. The main fault in transmission line is L-G fault. Therefore, protection relays are needed to protect transmission line. Overcurrent and earth fault relay is an important relay used to protect transmission lines, distribution feeders, transformers and bus couplers etc. Sometimes these relays can be used as main protection or backup protection. The modeling of protection relays is important to indicate the effects of network parameters and configurations on the operation of relays. Therefore, the modeling of overcurrent and earth fault relay is described in this paper. The overcurrent and earth fault relays with standard inverse definite minimum time are modeled and simulated by using MATLAB/Simulink software. The developed model was tested with L-G, L-L-G, L-L and L-L-L faults with various fault locations and fault resistance (0.001Ω). The simulation results are obtained by MATLAB software which shows the feasibility of analysis of transmission line protection with overcurrent and earth fault relay.

Keywords: Transmission line, overcurrent and earth fault relay, standard inverse definite minimum time, various faults, MATLAB Software.

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748 Fault and Theft Recognition Using Toro Dial Sensor in Programmable Current Relay for Feeder Security

Authors: R. Kamalakannan, N. Ravi Kumar

Abstract:

Feeder protection is important in transmission and distribution side because if any fault occurs in any feeder or transformer, man power is needed to identify the problem and it will take more time. In the existing system, directional overcurrent elements with load further secured by a load encroachment function can be used to provide necessary security and sensitivity for faults on remote points in a circuit. It is validated only in renewable plant collector circuit protection applications over a wide range of operating conditions. In this method, the directional overcurrent feeder protection is developed by using monitoring of feeder section through internet. In this web based monitoring, the fault and power theft are identified by using Toro dial sensor and its information is received by SCADA (Supervisory Control and Data Acquisition) and controlled by ARM microcontroller. This web based monitoring is also used to monitor the feeder management, directional current detection, demand side management, overload fault. This monitoring system is capable of monitoring the distribution feeder over a large area depending upon the cost. It is also used to reduce the power theft, time and man power. The simulation is done by MATLAB software.

Keywords: Current sensor, distribution feeder protection, directional overcurrent, power theft, protective relay.

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747 Application of Voltammetry to Study Corrosion of Steel Buried in Unsaturated Soil in the Presence of Cathodic Protection

Authors: Mandlenkosi George Robert Mahlobo, Peter Apata Olubambi, Philippe Refait

Abstract:

The aim of this study was to use voltammetry as a method to understand the behavior of steel in unsaturated soil in the presence of cathodic protection (CP). Three carbon steel coupons were buried in artificial soil wetted at 65-70% of saturation for 37 days. All three coupons were left at open circuit potential (OCP) for the first seven days in the unsaturated soil before CP which was only applied on two of the three coupons at the protection potential -0.8 V vs. Cu/CuSO4 for the remaining 30 days of the experiment. Voltammetry was performed weekly on the coupon without CP while electrochemical impedance spectroscopy (EIS) was performed daily to monitor and correct the applied CP potential from ohmic drop. Voltammetry was finally performed the last day on the coupons under CP. All the voltammograms were modeled with mathematical equations in order to compute the electrochemical parameters and subsequently deduce the corrosion rate of the steel coupons. For the coupon without CP, the corrosion rate was determined at 300 µm/y. For the coupons under CP, the residual corrosion rate under CP was estimated at 12 µm/y while the corrosion rate of the coupons, after interruption of CP, was estimated at 25 µm/y. This showed that CP was efficient due to two effects: a direct effect, from the decreased potential, and an induced effect, associated with the increased interfacial pH that promoted the formation of a protective layer on the steel surface.

Keywords: Carbon steel, cathodic protection, voltammetry, unsaturated soil, Raman spectroscopy.

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746 Toward a Risk Assessment Model Based On Multi-Agent System for Cloud Consumer

Authors: Saadia Drissi, Siham Benhadou, Hicham Medromi

Abstract:

The cloud computing is an innovative paradigm that introduces several changes in technology that have resulted a new ways for cloud providers to deliver their services to cloud consumers mainly in term of security risk assessment, thus, adapting a current risk assessment tools to cloud computing is a very difficult task due to its several characteristics that challenge the effectiveness of risk assessment approaches. As consequence, there is a need of risk assessment model adapted to cloud computing. This paper requires a new risk assessment model based on multi-agent system and AHP model as fundamental steps towards the development of flexible risk assessment approach regarding cloud consumers.

Keywords: Cloud computing, risk assessment model, multi-agent system, AHP model, cloud consumer.

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745 Deposit Guarantee Fund: One Perspective

Authors: Rute Abreu, Fátima David, Liliane Cristina Segura

Abstract:

The Deposit Guarantee Fund (DGF) and its communication with the Society, in general, and with the deposit client of Financial Institutions, in particular, is discussed through the challenges of the accounting and financial report. The Bank of Portugal promotes the Portuguese Deposit Guarantee Fund (PDGF) as a financial institution that enhanced the market confidence and stability on the deposit-insurance system. Due to the nature of their functions, it must be subject to regulation and supervision that provides a first line of defense against adversely affect confidence on the Portuguese financial market. First, this research provides evidence of the effectiveness of the protection mechanisms on the deposit insurance system, which provides high and equal protection to all stakeholders. Second, it emphasizes the need of requirements of rigorous accounting process and effective financial report to reduce the moral hazard implications. Third, this research focuses on the need of total disclosure of the financial information which gives higher transparency and protection to deposit client of financial institutions.

Keywords: Deposit Guarantee Fund, Portugal, Accounting, Financial Report.

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744 Insights into Smoothies with High Levels of Fibre and Polyphenols: Factors Influencing Chemical, Rheological and Sensory Properties

Authors: Dongxiao Sun-Waterhouse, Shiji Nair, Reginald Wibisono, Sandhya S. Wadhwa, Carl Massarotto, Duncan I. Hedderley, Jing Zhou, Sara R. Jaeger, Virginia Corrigan

Abstract:

Attempts to add fibre and polyphenols (PPs) into popular beverages present challenges related to the properties of finished products such as smoothies. Consumer acceptability, viscosity and phenolic composition of smoothies containing high levels of fruit fibre (2.5-7.5 g per 300 mL serve) and PPs (250-750 mg per 300 mL serve) were examined. The changes in total extractable PP, vitamin C content, and colour of selected smoothies over a storage stability trial (4°C, 14 days) were compared. A set of acidic aqueous model beverages were prepared to further examine the effect of two different heat treatments on the stability and extractability of PPs. Results show that overall consumer acceptability of high fibre and PP smoothies was low, with average hedonic scores ranging from 3.9 to 6.4 (on a 1-9 scale). Flavour, texture and overall acceptability decreased as fibre and polyphenol contents increased, with fibre content exerting a stronger effect. Higher fibre content resulted in greater viscosity, with an elevated PP content increasing viscosity only slightly. The presence of fibre also aided the stability and extractability of PPs after heating. A reduction of extractable PPs, vitamin C content and colour intensity of smoothies was observed after a 14-day storage period at 4°C. Two heat treatments (75°C for 45 min or 85°C for 1 min) that are normally used for beverage production, did not cause significant reduction of total extracted PPs. It is clear that high levels of added fibre and PPs greatly influence the consumer appeal of smoothies, suggesting the need to develop novel formulation and processing methods if a satisfactory functional beverage is to be developed incorporating these ingredients.

Keywords: Apple fibre, apple and blackcurrant polyphenols, consumer acceptability, functional foods, stability.

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743 Evaluation Method for Information Security Levels of CIIP (Critical Information Infrastructure Protection)

Authors: Soon-Tai Park, Jong-Whoi Shin, Bog-Ki Min, Ik-Sub Lee, Gang-Shin Lee, Jae-Il Lee

Abstract:

As the information age matures, major social infrastructures such as communication, finance, military and energy, have become ever more dependent on information communication systems. And since these infrastructures are connected to the Internet, electronic intrusions such as hacking and viruses have become a new security threat. Especially, disturbance or neutralization of a major social infrastructure can result in extensive material damage and social disorder. To address this issue, many nations around the world are researching and developing various techniques and information security policies as a government-wide effort to protect their infrastructures from newly emerging threats. This paper proposes an evaluation method for information security levels of CIIP (Critical Information Infrastructure Protection), which can enhance the security level of critical information infrastructure by checking the current security status and establish security measures accordingly to protect infrastructures effectively.

Keywords: Information Security Evaluation Methodology, Critical Information Infrastructure Protection.

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742 Privacy vs. National Security: Where Do We Draw the Line?

Authors: Nooraneda Mutalip Laidey

Abstract:

Privacy is sacred and would normally be expected and preserved by an individual. Online privacy is no longer about the right to be left alone, but also includes the right not to be monitored. However, with the revelations made by United States National Security Agency former employee Edward Snowden that the government is spying on internet communications, individuals’ privacy can no longer be expected. Therefore, this paper is intended to evaluate law related to privacy protection in the digital domain, who should govern it and whether invasion to a person’s privacy is a necessary justification to preserve national security.

Keywords: Cyberspace, data protection, national security, privacy.

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741 A Group Setting of IED in Microgrid Protection Management System

Authors: Jyh-Cherng Gu, Ming-Ta Yang, Chao-Fong Yan, Hsin-Yung Chung, Yung-Ruei Chang, Yih-Der Lee, Chen-Min Chan, Chia-Hao Hsu

Abstract:

There are a number of Distributed Generations (DGs) installed in microgrid, which may have diverse path and direction of power flow or fault current. The overcurrent protection scheme for the traditional radial type distribution system will no longer meet the needs of microgrid protection. Integrating the Intelligent Electronic Device (IED) and a Supervisory Control and Data Acquisition (SCADA) with IEC 61850 communication protocol, the paper proposes a Microgrid Protection Management System (MPMS) to protect power system from the fault. In the proposed method, the MPMS performs logic programming of each IED to coordinate their tripping sequence. The GOOSE message defined in IEC 61850 is used as the transmission information medium among IEDs. Moreover, to cope with the difference in fault current of microgrid between grid-connected mode and islanded mode, the proposed MPMS applies the group setting feature of IED to protect system and robust adaptability. Once the microgrid topology varies, the MPMS will recalculate the fault current and update the group setting of IED. Provided there is a fault, IEDs will isolate the fault at once. Finally, the Matlab/Simulink and Elipse Power Studio software are used to simulate and demonstrate the feasibility of the proposed method.

Keywords: IEC 61850, IED, Group Setting, Microgrid.

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740 Vr-GIS and Ar-GIS In Education: A Case Study

Authors: Ilario Gabriele Gerloni, Vincenza Carchiolo, Alessandro Longheu, Ugo Becciani, Eva Sciacca, Fabio Vitello

Abstract:

ICT tools and platforms endorse more and more educational process. Many models and techniques for people to be educated and trained about specific topics and skills do exist, as classroom lectures with textbooks, computers, handheld devices and others. The choice to what extent ICT is applied within learning contexts is related to personal access to technologies as well as to the infrastructure surrounding environment. Among recent techniques, the adoption of Virtual Reality (VR) and Augmented Reality (AR) provides significant impulse in fully engaging users senses. In this paper, an application of AR/VR within Geographic Information Systems (GIS) context is presented. It aims to provide immersive environment experiences for educational and training purposes (e.g. for civil protection personnel), useful especially for situations where real scenarios are not easily accessible by humans. First acknowledgments are promising for building an effective tool that helps civil protection personnel training with risk reduction.

Keywords: Education, virtual reality, augmented reality, civil protection.

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739 Consumer Adoption - Risk Factor of Mobile Banking Services

Authors: Esad Kadušić, Petar Bojović, Amela Žgalj

Abstract:

Mobile banking services present a unique growth opportunity for mobile operators in emerging markets, and have already made good progress in bringing financial services to the previously unbanked populations of many developing countries. The potential is amazing, but what about the risks? In the complex process of establishing a mobile banking business model, many kinds of risks and factors need to be monitored and well-managed. Risk identification is the first stage of risk management. Correct risk identification ensures risk management effectiveness. Keeping the risks low makes it possible to use the full potential of mobile banking and carry out the planned business strategy. The focus should be on adoption of consumers which is the main risk factor of mobile banking services.

Keywords: Consumer Adoption, Mobile Banking, Risk

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