005 Computerprogrammierung, Programme, Daten
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Is It Really You Who Forgot the Password? When Account Recovery Meets Risk-Based Authentication
(2024)
Although climate-induced liquidity risks can cause significant disruptions and instabilities in the financial sector, they are frequently overlooked in current debates and policy discussions. This paper proposes a macro-financial agent-based integrated assessment model to investigate the transmission channels of climate risks to financial instability and study the emergence of liquidity crises through interbank market dynamics. Our simulations show that the financial system could experience serious funding and market liquidity shortages due to climate-induced liquidity crises. Our investigation contributes to our understanding of the impact - and possible solutions - to climate-induced liquidity crises, besides the issue of asset stranding related to transition risks usually considered in the existing studies.
Risikobasierte Authentifizierung (RBA) ist ein adaptiver Ansatz zur Stärkung der Passwortauthentifizierung. Er überwacht eine Reihe von Merkmalen, die sich auf das Loginverhalten während der Passworteingabe beziehen. Wenn sich die beobachteten Merkmalswerte signifikant von denen früherer Logins unterscheiden, fordert RBA zusätzliche Identitätsnachweise an. Regierungsbehörden und ein Erlass des US-Präsidenten empfehlen RBA, um Onlineaccounts vor Angriffen mit gestohlenen Passwörtern zu schützen. Trotz dieser Tatsachen litt RBA unter einem Mangel an offenem Wissen. Es gab nur wenige bis keine Untersuchungen über die Usability, Sicherheit und Privatsphäre von RBA. Das Verständnis dieser Aspekte ist jedoch wichtig für eine breite Akzeptanz.
Diese Arbeit soll ein umfassendes Verständnis von RBA mit einer Reihe von Studien vermitteln. Die Ergebnisse ermöglichen es, datenschutzfreundliche RBA-Lösungen zu schaffen, die die Authentifizierung stärken bei gleichzeitig hoher Menschenakzeptanz.
There has been a growing interest in taste research in the HCI and CSCW communities. However, the focus is more on stimulating the senses, while the socio-cultural aspects have received less attention. However, individual taste perception is mediated through social interaction and collective negotiation and is not only dependent on physical stimulation. Therefore, we study the digital mediation of taste by drawing on ethnographic research of four online wine tastings and one self-organized event. Hence, we investigated the materials, associated meanings, competences, procedures, and engagements that shaped the performative character of tasting practices. We illustrate how the tastings are built around the taste-making process and how online contexts differ in providing a more diverse and distributed environment. We then explore the implications of our findings for the further mediation of taste as a social and democratized phenomenon through online interaction.
This open access book brings together the latest developments from industry and research on automated driving and artificial intelligence.
Environment perception for highly automated driving heavily employs deep neural networks, facing many challenges. How much data do we need for training and testing? How to use synthetic data to save labeling costs for training? How do we increase robustness and decrease memory usage? For inevitably poor conditions: How do we know that the network is uncertain about its decisions? Can we understand a bit more about what actually happens inside neural networks? This leads to a very practical problem particularly for DNNs employed in automated driving: What are useful validation techniques and how about safety?
This book unites the views from both academia and industry, where computer vision and machine learning meet environment perception for highly automated driving. Naturally, aspects of data, robustness, uncertainty quantification, and, last but not least, safety are at the core of it. This book is unique: In its first part, an extended survey of all the relevant aspects is provided. The second part contains the detailed technical elaboration of the various questions mentioned above.
Login Data Set for Risk-Based Authentication
Synthesized login feature data of >33M login attempts and >3.3M users on a large-scale online service in Norway. Original data collected between February 2020 and February 2021.
This data sets aims to foster research and development for <a href="https://riskbasedauthentication.org">Risk-Based Authentication (RBA) systems. The data was synthesized from the real-world login behavior of more than 3.3M users at a large-scale single sign-on (SSO) online service in Norway.
For most people, using their body to authenticate their identity is an integral part of daily life. From our fingerprints to our facial features, our physical characteristics store the information that identifies us as "us." This biometric information is becoming increasingly vital to the way we access and use technology. As more and more platform operators struggle with traffic from malicious bots on their servers, the burden of proof is on users, only this time they have to prove their very humanity and there is no court or jury to judge, but an invisible algorithmic system. In this paper, we critique the invisibilization of artificial intelligence policing. We argue that this practice obfuscates the underlying process of biometric verification. As a result, the new "invisible" tests leave no room for the user to question whether the process of questioning is even fair or ethical. We challenge this thesis by offering a juxtaposition with the science fiction imagining of the Turing test in Blade Runner to reevaluate the ethical grounds for reverse Turing tests, and we urge the research community to pursue alternative routes of bot identification that are more transparent and responsive.
The corporate landscape is experiencing an increasing change in business models due to digitization. An increasing availability of data along the business processes enhance the opportunities for process automation. Technologies such as Robotic Process Automation (RPA) are widely used for business process optimization, but as a side effect an increase in stand-alone solutions and a lack of holistic approaches can be observed. Intelligent Process Automation (IPA) is said to support more complex processes and enable automated decision-making, but due to the lack of connectors makes the implementation difficult. RPA marketplaces can be a bridging technology to help companies implement Intelligent Process Automation. This paper explores the drivers and challenges for the adoption of RPA marketplaces to realize IPA. For this purpose, we conducted ten expert interviews with decision makers and IT staff from the process automation sector.
AI (artificial intelligence) systems are increasingly being used in all aspects of our lives, from mundane routines to sensitive decision-making and even creative tasks. Therefore, an appropriate level of trust is required so that users know when to rely on the system and when to override it. While research has looked extensively at fostering trust in human-AI interactions, the lack of standardized procedures for human-AI trust makes it difficult to interpret results and compare across studies. As a result, the fundamental understanding of trust between humans and AI remains fragmented. This workshop invites researchers to revisit existing approaches and work toward a standardized framework for studying AI trust to answer the open questions: (1) What does trust mean between humans and AI in different contexts? (2) How can we create and convey the calibrated level of trust in interactions with AI? And (3) How can we develop a standardized framework to address new challenges?
Regions and their innovation ecosystems have increasingly become of interest to CSCW research as the context in which work, research and design takes place. Our study adds to this growing discourse, by providing preliminary data and reflections from an ongoing attempt to intervene and support a regional innovation ecosystem. We report on the benefits and shortcomings of a practice-oriented approach in such regional projects and highlight the importance of relations and the notion of spillover. Lastly, we discuss methodological and pragmatic hurdles that CSCW research needs to overcome in order to support regional innovation ecosystems successfully.
Who do you trust: Peers or Technology? A conjoint analysis about computational reputation mechanisms
(2020)
Peer-to-peer sharing platforms are taking over an increasingly important role in the platform economy due to their sustainable business model. By sharing private goods and services, the challenge arises to build trust between peers online mostly without any kind of physical presence. Peer rating has been proven as an important mechanism. In this paper, we explore the concept called Trust Score, a computational rating mechanism adopted from car telematics, which can play a similar role in carsharing. For this purpose, we conducted a conjoint analysis where 77 car owners chose between fictitious user profiles. Our results show that in our experiment the telemetric-based score slightly outperforms the peer rating in the decision process, while the participants perceived the peer rating more helpful in retrospect. Further, we discuss potential benefits with regard to existing shortcomings of user rating, but also various concerns that should be considered in concepts like telemetric-based reputation mechanism that supplements existing trust factors such as user ratings.
New cars are increasingly "connected" by default. Since not having a car is not an option for many people, understanding the privacy implications of driving connected cars and using their data-based services is an even more pressing issue than for expendable consumer products. While risk-based approaches to privacy are well established in law, they have only begun to gain traction in HCI. These approaches are understood not only to increase acceptance but also to help consumers make choices that meet their needs. To the best of our knowledge, perceived risks in the context of connected cars have not been studied before. To address this gap, our study reports on the analysis of a survey with 18 open-ended questions distributed to 1,000 households in a medium-sized German city. Our findings provide qualitative insights into existing attitudes and use cases of connected car features and, most importantly, a list of perceived risks themselves. Taking the perspective of consumers, we argue that these can help inform consumers about data use in connected cars in a user-friendly way. Finally, we show how these risks fit into and extend existing risk taxonomies from other contexts with a stronger social perspective on risks of data use.