Summary of Malcolm X Article Example | Topics and Well Written Essays - 250 words

Summary of Malcolm X - Article Example He remembers that when he was hustling on the street, he was the most influential speaker around. The problem now, is his only means of communicating with the world outside the prison is through writing. So he decided to become a better writer. Malcolm X began by getting a copy of the dictionary and a few blank tablets. He started to copy each page of the notebook until he had copied the entire A section. This exercise taught him new words and kept him busy so he did not dwell on being in prison. He also said that his handwriting improved greatly while doing these exercises. As a result of this new educational regimen, Malcolm X was soon able to be more articulate in his written language. This allowed him to write with confidence. He now was able to write just as powerfully as he could speak. Malcolm X said, â€Å"months passed without my even thinking about being imprisoned. In fact, up to then, I never had been so truly free in my life.† I like this quote because it shows how liberating education can

Representations of Women in Early Irish and Welsh Literature Essay Example for Free

Representations of Women in Early Irish and Welsh Literature Essay Although there are parallels between Irish and Welsh sagas of elopement, the powerful self confident women depicted in these narratives do not represent the real women of Medieval Ireland and Wales. Proinsias Mac Cana has suggested that the dominant roles of Deirdre and Grainne in their respective tales (Longes mac nUislenn and Toruigheacht Dhiarmada agus Ghrainne) are ‘literary variations on the exemplar of the sovereignty goddess’ (Doan, 1985: 90). Bitel (1996: 2) asserts that Celticists have been seduced by these dominant female characters viewing them as representative of real women with considerable power over men, a depiction which if true should be reflected in the law tracts or ‘custom in action’(Stacey, 2002: 1107). This paper will argue that the ecclesiastical and legal tracts of both Ireland and Wales offer many images of women, judgements about women, and regulations for women. They do not however present the stereotypical medieval woman as the sovereignty goddess depicted in the secular sagas. Because women left no written records, we are dependent on male literature (probably all of the texts written in early Ireland and Wales) for a definition of woman and her cultural role. These male authors wrote of women in: ‘saint’s lives; poems; sagas and myths; gnomic texts; histories; chronicles; genealogies; folktales; theological tracts; and extensive ecclesiastical tracts; and secular laws’ (Bitel, 1996: 12). Although these texts offer insights on women they must be viewed through the hermeneutical lens of the socio-historical context of the era in which they were written. Early medieval Ireland was a patriarchal society and a woman’s role and identity was determined by patriarchal norms and conventions. The literati of this era did not define woman as an independent individual. Women existed only in relation to men and therefore their representation in literature was not entirely objective or according to Bitel consistent. Tensions exist between various texts. The portrayal of women as ‘capricious beasts’ (Bitel, 1995:137) presented in the eighth century wisdom text Tecosca Cormaic contrasts sharply with the recognition of a woman as home-maker and wife with limited recourse to the law depicted in Cain Lanamna or the law of couples (O Croinin, 1995: 127) . The majority of the extant Irish law books were composed between the seventh and ninth centuries. At this stage the Irish literati were members of the nobility educated in monastic communities. Many were monks but this elite group also included jurists, historians, poets and story tellers. Mc Cone has suggested that these learned elite produced literature for the monastery which was heavily influenced by Biblical texts (Bitel, 1996: 14). Donnchadh O Corrain, Liam Breatnach and Aidan Breen have argued that there exists a close connection between ecclesiastical law and Irish vernacular law (Stacey, 2002: 1108). Stacey asserts that although the legal sources from Wales (compiled in the twelfth and thirteen centuries) are later than the Irish sources there is also a significant link between ‘legal, poetic and ecclesiastical learning’ (2002: 1108). The Irish penitential books written between the sixth and the ninth centuries reveal conflict between the ideals of Christian leaders and the customs of early Irish communities. These penitentials were designed as moral guides for confessors in attributing penance in the rite of confession (Gula, 1989: 25). According to Bitel, Christian clergy were intent on transferring social control of sex from the kin group to the individual Christian (1987: 67). Fox concurs with Bitel, asserting that by liberating the individual from the bonds of clan and family, the church was attempting to reduce kinship to ‘its lowest common denominator [the nuclear family: the lowest kinship group that is compatible with reproduction] while appearing to support basic kinship values’ (1993: 109-110). The Clergy in promoting Christian morality for the individual attempted to reorganize Early Irish society. According to Bitel, the kin group were influential in controlling sexual activity. This was necessary to ensure the survival of the community as an interdependent group. Archaeological evidence suggests that houses consisted of one room. This allowed for little individual privacy and sex was a natural and visible part of family life. Illicit encounters had to take place outside of the home, and even then they were monitored by the community. Any kind of sexual relationship that had to be conducted in secrecy was considered dangerous. The survival and welfare of the clan depended on social stability and this principle determined the attitude of the pre-Christian Irish toward sexuality. Sex in itself however was not considered immoral. Celibacy was not portrayed as a virtue in the secular literature. Cu Chulainn’s sexual exploits are recorded in the sagas; however his casual encounters did not threaten the community (Bitel, 1987: 70-71). Bitel asserts that ‘the tension between individual desire and community need had always to be resolved in favour of the community’ (1987: 72), and herefore marriage was a contractual arrangement determined not by romance or love but by the necessity of producing children and the survival of the kin group. Woman’s reproductive capacities themselves are integrated into the economic life of the society. The image of woman depicted in Cain Lanamna is a woman whose social emotional and economic orientation is directed towards the family and home. Early Irish Law, commonly known as Brehon Law was a series of civil laws which governed every aspect of daily life including marriage and divorce. Marriage and divorce were interlinked by virtue of a contract agreed and a contract dissolved. Under the Brehon system, women were free to marry in one of nine ways, although the primary type of marriage, lanamnas comthinchuir was the most common. Both partners enter this marriage with equal financial resources. In the second type of marriage, lanamnas for ferthinchur, the woman contributes little or no financial assets to the marriage. In the third category, lanamnas for bantinchur, the woman contributes the greater share of the marriage assets. These three categories required formal pre-nuptial agreements. With the remaining six types of marital union (including cohabitation with a woman with family consent, voluntary eloping without family consent, voluntary abduction without family consent, illicit rendezvous, marriage by rape and marriage of two insane people) marriage entailed the assumption of financial responsibility for child rearing (O Croinin, 1995: 128). Corresponding to the wide variety of marriages recognized by law, there were many grounds for divorce. A woman might divorce a man who failed to satisfy her sexual needs because he was sterile, impotent, bisexual or homosexual. In this instance she was entitled to be paid her coibche in addition to a fine in compensation. A woman could divorce her husband on the grounds of indiscretion should he discuss intimate details of their marriage outside of the home. A woman could also divorce her husband should he abandon her either for the church or for a life on the road as he would no longer be in a position to maintain her. Physical abuse was also considered legitimate grounds for divorce. Even if the original blemish disappeared, a woman was entitled to the equivalent of her bride price as compensation. The laws are quite clear about the validity of female testimony in matters concerning consummation of marriage. This testimony is verified by a physical examination of the woman by female dignitaries. In a case where a woman refuses her husband his conjugal rights either because of a problem pregnancy or her menstrual cycle, the law regarded her objections as valid. A woman could also choose to divorce on grounds of infidelity although extra marital relations were recognized by law (O Croinin, 1995: 129). O Croinin suggests that in general terms many women were recognized by the law in ‘their capacity as wives and in their own right as individuals’ (1995: 133) Law texts are clear that a woman’s rights in divorce are specific to each type of marriage and related marriage contract. Lanamnas Comthinchuir was regarded as the most common type of marriage at this time. It was a dignified state for the wife, she was known as a be cuitchernsa, literally ‘a woman of joint dominion, a woman of equal lordship’ (O Croinin. 1995: 128). If this category of marriage ended in divorce, the woman received what she had initially contributed to the marriage in addition to a share of the profit accrued from the couple’s joint activities during the marriage period. O Croinin records that the division of property was in accordance with fixed proportions: ‘one third went to the partner who provided the land; one third to the partner who provided the stock; and one third to the partner who provided the labour’ (1995: 128). This last provision recognized the woman’s work in the home and on the farm. The second type of marriage lanamnas for ferthinchur represented a different kind of divorce settlement. Since the woman provided neither land nor stock, she was entitled to half of her own handiwork and one sixth of the dairy produce in store. If she had worked diligently on the farm and in the home she took one ninth of the corn and cured meat in store. She also received a sack of corn for a specified time. Divorce in the third category of marriage, lanamnas for bantinchur, ensured that the woman retained a life interest in the farm. She could not however transfer any rights to the estate to her children. She could however marry one of the heirs to the property and preserve her children’s right to inherit. Although the Irish lawyers appealed to Scripture, particularly to Leviticus to justify parallel cousin marriages, church law declared parallel cousin marriages incestuous (O Corrain, 1985). The Welsh tractate ‘the laws of women’ contains rules governing marriage and division of property in medieval Wales. There are four redactions of Welsh law manuscripts: the Cyfnerth and the Blegywryd redactions both derive from south Wales; Iorwerth is classed as a north Wales redaction; and finally the Latin manuscripts (there are similarities between the Latin laws and the Welsh redactions). Although the sources from Wales are dated to the twelfth and thirteenth centuries, women in the Welsh tractate like women in Cain Lanamna are portrayed as wives and home-makers (Roberts, 2008: 58-59). Stacey asserts that the most ‘striking’ passage of the ‘Laws of Women’ outlines the domestic and agricultural goods granted to each partner in cases where the marriage had lasted longer than seven years (2002: 1109). This passage is common to each of the Welsh redactions of the law books and can also be found in four of the five Latin compilations. The couple must divide their possessions equally, the pigs become the property of the man and the woman takes ownership of the sheep. If there are only sheep and goats, the sheep go to the man and the goats to the woman. The children are also divided between the couple ‘two parts go to the father, the eldest and the youngest, and the middle to the mother’ (Stacey, 2002: 1111). The division of household goods is itemised: all milk vessels, except for one pail and one dish becomes the property of the woman. The man is entitled to all of the drinking vessels and the riddle while the woman is entitled to the sieve. The man is entitled to the upper stone of the quern and the woman to the lower stone. The bed clothes which cover the couple becomes the property of the woman while the clothes which they lay on belong to the man. The man receives the cauldron and the blanket and the pillows from the bed together with the wood axe, coulter and all the sickles except for one which the woman obtains. The woman is granted the pan, the broad axe, the bill hook and all of the flax, linseed and wool. She also receives the plowshare. Any gold or silver is divided equally between the couple. The man is entitled to the corn above and below the ground, all of the hens and one cat. The remaining cats become the property of the woman. The woman receives the salted meat but if it is hung it becomes the property of the man. The woman is also granted as much flour as she can carry along with the cut meat and the partly used cheese. They each retain their own clothes except for their cloaks which must be divided equally. Any balls of wool in stock become the property of the sons (Stacey, 2002: 1111). Like Irish Marriage Law, the Welsh Laws of Women attempted to secure a measure of financial independence for each partner in the event of divorce . Unlike Irish marriage law however which divided property according to specific marriage contracts, some rovisions in the Welsh divorce law appear illogical. Jenkins suggests that the Welsh division of property on divorce, attempts to ensure that each partner has the necessary provisions to survive but he asserts that the division of the quern stones is ‘curious’ since they cannot be used independently (Stacey, 2002: 1111). Similarly the coulter is granted to the man while the plowshare is received by the woman. Since both blades would have been required for planting this division appears to make little logical or practical sense. Stacey also points out that the man receives all of the corn and hens but only one cat to protect them from vermin while the woman receives the remaining cats although she has no grain or hens to protect (Stacey, 2002: 1113-1116). Welsh divorce law does not seem to be based on the wealth brought to the marriage by each party or indeed on the status of the marriage. In Irish Law the apportionment of property is determined by both of these factors (Stacey, 2002: 1113). Stacey suggests that the division of property in a Welsh divorce is symbolic of the destructiveness of divorce and failed marriage. He asserts that this was a secular ‘homily’ on the improvident nature of divorce (2002: 1124). Although the marriage property is divided the woman ultimately is disadvantaged because under Welsh Law, she has no claim to land and must be satisfied with portable goods. Although women under Welsh law were afforded the opportunity to divorce their husbands due to his impotency, leprosy or bad breath (Roberts, 2008: 63), Nerys Patterson suggests that the woman was further disadvantaged in the wake of marital separation: female virginity was highly valued and her loss of virginity would affect her chances of remarriage (2002: 1121). These medieval divorce laws clearly situate the woman in the home, rearing children, cooking, spinning wool and working on the farm. It is tempting to view these laws as depictions of a progressive egalitarian society, however the political and social realities of a woman’s life suggest otherwise. A woman’s legal definition derived from that of her father, brother or her legal husband. A legal tract on honour price (dire) defined women’s legal and social position ‘her father had charge over her when she is a girl, her husband when she is a wife, her sons when she is a [widowed] woman with children . . the Church when she is a woman of the Church [i. e. , a nun]. She is not capable of sale or purchase or contract or transaction without the authorization of one of her superiors’ (Bitel, 1996: 8). According to Bitel, these legally and socially incapacitated women were the real Medbs of medieval Ireland. When measuring a woman’s status, the laws measured women against the legal norm of the free adult male and as such a woman’s worth remained only half that of her male guardians honour price. The Irish literati along with many medieval authors considered female bodies as ‘less valuable copies of mens’ (Bitel, 1996: 19). This principle is reflected in the only extant Irish medico-legal tracts namely Bretha Crolige and Bretha Dein Checht which accorded women less medical attention and food rations than men (Bitel, 1996: 21). Women therefore were considered physically and psychologically less than man, less than human (Bitel, 1996: 23). The ninth century Triads text, Trecheng Breth Fene unveiled some basic assumptions about the nature of woman. The Triads suggested that ‘the three drops of a wedded woman’ were drops of blood (a good wife was a virgin at marriage); sweat; and tears (a good wife should be willing to suffer hardship to support her husband and children). One of the three misfortunes of a man was proposing marriage to a bad woman. According to the Triads, women were their husband’s property and were akin to animals. ‘When a man loaned either a woman or a horse, he had to expect it to be used by the borrower’ (Bitel, 1996: 23). The wisdom text also suggested that ‘like a cow’s udder, women through her womb, was one of the three renovators of the world’ (Bitel, 1996: 24). Another wisdom text Tecosca Cormaic suggested that women ‘should be feared like beasts’ because they were ‘capricious beasts’ (Bitel, 1996: 24). A woman’s physical characteristics and fertility therefore were animal like and unreliable. The eighth or ninth-century wisdom text Senbriathra Fithail considered the characteristics of ‘a good wife’ (Bitel, 1996: 27). Advising his pupil Cormac mac Airt, Fithal (a druid) asserted that a good woman had ‘common sense, prudence, modesty, excellent Irish, delicacy, mildness, honesty, wisdom, purity and intelligence’ (Bitel, 1996: 28). All of these attributes according to Fithal were necessary for a woman to become a desirable wife. A bad wife on the other hand was characterised by ‘wretchedness, stinginess, vanity, talkativeness, laziness, indolence, noisiness, hatefulness avarice, visiting, thieving, keeping trysts, lustfulness, folly and treachery’ (Bitel, 1996: 28). Fithal asserted that it was possible to detect a woman’s character based on her physical appearance. He suggested that Cormac should avoid: ‘the fat short one’; ‘the slender short one with curling hair’; the fair tall one’; ‘the dark-limbed, unmanageable one’; ‘the dun coloured yellow one’; and ‘the slender prolific one who was lewd and jealous’ (Bitel, 1996: 28). Fithal determined that the worst wife was a be cairn or a whore. A successful marriage however could be assured by a union with the ‘tall, fair, very slender ones’ (Bitel, 1996: 28). Fithal admitted to Cormac however that the ideal woman may not exist and that most women had character flaws. The author of Tecosca Cormaic was adamant that all women were ‘chronically dissatisfied, bad tempered, untrustworthy, wanton, manipulative, ambitious, greedy, arrogant whiners’ (Bitel, 1996: 29). Bitel suggests that the real problem with women is that they were not men and the writers of the gnomic tracts could only define them by their many indefinable natures: they had similar physical bodies to men but were not men; they had reproductive characteristics and temperaments similar to animals but were not animals. The only certainty appeared to be was that women must be controlled and her inferior position in society maintained (Bitel, 1996: 30). The writers of ecclesiastical canons suggested that women could only be redeemed by denying their female characteristics and their female sexuality. Bitel argues that canonists established a ‘gender hierarchy’ (Bitel, 1996: 32). Unlike the typologies found in secular and wisdom texts, the cannon scribes attributed a moral value to virginity and abstinence. Nuns were accorded a high moral value as were ‘widows who took the veil’ (Bitel, 1996: 32). Thomas O’ Loughlin suggests that the Collectio canonum hibernesis, a systematic collection of law, codified certain patristic theories producing an understanding of marriage ‘as a state secondary to virginity’ (1997: 188). The canonists justify their position by quoting Jerome who asserts that ‘virginity follows the lamb wherever he goes’ (O’Loughlin, 1997: 192). Jerome expands on this theme suggesting that ‘earth is populated by marriage, so heaven is by virginity’ (O’Loughlin, 1997: 192). The underlying concept is clear, virginity is exemplified and sexuality creates problems. According to O’Loughlin this principle was the basis of ecclesiastical thinking on marriage throughout the middle ages and Jerome’s opinion that sexual activity was ‘inferior and earthy’ in comparison to virginity which was ‘noble and superior’ has been held responsible for the cult of virginity and celibacy in the Latin church (O’Loughlin, 1997: 193). Augustine also considered sexuality dangerous but (quoting Paul in 1 Corinthians 7) asserted that while celibacy was the desired state, ‘lawful marriage is to be preferred to burning with desire and fornication’ (O’Loughlin, 1997: 193). The dangers of sexuality therefore were to be contained within the institution of marriage. Although canonists admitted that clerics could fall to sexual temptation, the general consensus was that women as the weaker sex were more likely to succumb to sexual temptation.

History Of Mobile Banking

History Of Mobile Banking Mobile banking is known as M-banking or SMS Banking. The european company called PayBox supported financially by Deutsche Bank, in 1999 started mobile banking.  [i]  SMS was the earliest mobile banking service offered. It is an emerging field in the banking segment. However, older phones had limited functionality. Mobile phones, palm PCs and PDAs were lacking hardware and software support. The higher cost of data plans and the slower network speed were also limiting factors in the growth of mobile banking. It has been improved with the advancement of the technology, the hardware and software. The cost of mobile devices has been reduced drastically and is still reducing. Network speed is much better than before and data plans are not as costly. All of these changes have provided necessary raw materials for the growth of mobile banking and the numbers of people using mobile banking is increasing day by day. Users, who were using computers/laptops for online banking, are moving towa rds mobile banking because of ease of use and fast access. In the USA, mobile banking was introduced in 2006 by Wachovia bank.  [ii]  In Sep 2007, Aite group predicted the mobile banking users in the United States would reach 1.6 million by the end of the year 2007 and will rapidly increase to 35 million by the year 2010.  [iii]  The report indicated the growth potential for mobile banking. However, the security issues are the major concerns for mobile banking service providers and the users. As mobile banking systems mature, more users will start using mobile banking, which will draw the attention of the hacker community to target mobile banking customers mostly for financial gain. Safety and security of the personal and financial information stored and managed in the devices are the key factors for users, banking organization and the security community. The purpose of this paper is to gain basic knowledge of mobile banking, explain the different kinds of architecture used in mobile banking and identify the different security attacks and its countermeasures. Mobile banking in US compare to other countries Wachovia bank was the first to announce mobile banking services to their customers in Sep 2006 and re-launched in March 2007 followed by a few other banks.  [iv]  They developed their own banking product with ATT. Bank of America started mobile banking services in March 2007 in collaboration with four major wireless carriers, which reported 500,000 users within the first 6 months. Initially, the services offered were funds transfer, bill payment, branch and ATM locations, account balance, etc. Since then there has been huge progress in mobile banking services. In 2009 and 2010 respectively, San Antonio, Texas-based USAA launched their new application for the iPhone and Android platform that is capable of remote deposit capture allowing users to take a photo of the check and deposit electronically.  [v]  In the middle of 2010 Chase bank also introduced the mobile RDC application for the iPhone.  [vi]  In Nov 2010, U.S. Bank and Visa announced a mobile payment system for th eir customers.  [vii]  They offer the service via use of the MicroSD card, which fits in most existing mobile devices. A month before that, U.S. bank launched a full suite mobile banking solution for prepaid cardholders with bill pay capabilities. Even though the US based banks provide different kinds of mobile banking services, they are still far behind of their counter parts in the world. 7Many banks in the world have offered mobile banking and financial services for years. European and Asian countries have been offering mobile banking services for years that vary for banking related services to the mobile proximity payments. Japan and South Korea are the world leaders in adopting mobile banking technology. Before 2004, the Internet was the only way of using mobile banking in Japan, which enabled customers to browse the merchant website through a web browser. However, customers still had to use their credit/debit cards for payments. In 2004, NTT DoCoMo started using FeliCa contactless IC chips developed by Sony for mobile devices, which can carry personal and financial information that facilitated remote payments and substituted mobile devices for cash and cards at merchants points of sale. In 2005, KDDI and Vodafone also adopted FeliCa. 7In 2002, SK Telecom and KTF launched their proximity payment programs in South Korea, which used an infrared technology. These prog rams were not successful because of number of reasons. In 2003, LG Telecom started South Koreas first IC chip based mobile banking service, which significantly increased the market share of LG Telecom. The other carriers also adopted IC chips following the success of LG Telecom. Also, Visa and MasterCard have successfully operated in South Korea since 2006. Since then mobile banking services have come a long way in other countries of the world. Difference between mobile banking and online banking/credit/debit card banking At present, mobile banking provides almost the same kind of services as online, credit/debit card banking. When mobile banking services first started, the mobile devices were not able to support all mobile banking services and they were lacking hardware and software support. The initial mobile banking service offered was the SMS banking; while online banking was very well developed and was offering all kinds of banking services. Credit/debit card systems are also fully developed and people were able to use their cards at merchants point of sale and online for payments. However, technological advancements in mobile devices have enabled users to use mobile banking related services via SMS, web browser and mobile web applications. Currently available mobile devices have the same processing power as computers and they are still evolving. In some countries, mobile banking was started in the early 90s and now offer a full suite mobile banking solution, which has features of online banking and credit/debit card banking. People are using their mobile devices to replace cash and cards. However, mobile banking services in the USA were started at the end of 2006. Most USA banks are still not offering full mobile banking solutions to their customers. U.S. banks recently announced proximity payment systems in 2010, which has been in use for a long time in other countries. Some of the features of online banking and credit/debit card banking are not available for mobile banking systems. So mobile banking systems in the US are less developed compared to online, credit/debit card banking in terms of services. However, as number of people enrolled in mobile banking increases and banks offer more services with a full range of solutions in the US, the line between mobile banking and online/credit/debit card banking will get thinner and, in the future, mobile banking will provide a combination service of online and credit/debit card banking in the US. In terms of security, mobile banking is as secure as online banking and offers the same security features and protections. However, there is less number of users for mobile banking than online/credit/debit card banking, which reduces the risk of security threats. The hacking community is more targeted towards the online/credit/debit card banking for financial gain. A large number of antivirus, antimalware/spyware etc. available for online banking are not widely available for mobile banking. But with the increase in number of users for mobile banking, these software are also increasing. Mobile banking also carries the risk of some attacks called Vishing, SMishing and spoofing that are only possible in mobile devices. The security features and countermeasures for them differ from online banking. However, mobile banking provides the same security protections as the online banking, as most of them are derived from the experience with online banking. Mobile banking services 5Mobile banking systems allow users to perform bank related transactions like balance checks, account transactions, bill payments, fund transfers, credit/debit card management, etc. through mobile telecommunication devices like mobile phones or PDAs (personal digital assistants). Mobile banking can be divided in three different concepts based on an academic model: (1) Mobile accounting, (2) Mobile brokerage and (3) Mobile financial information services. 6Mobile accounting services can be divided into account operations and account administration. Account operations include fund transfers, bill payments, etc. and account administration includes ordering checks, updating profiles and personal information, managing lost or stolen cards, etc. Mobile brokerage is related to buying and selling of stocks, securities, and obtaining current information about securities. Mobile financial information divides into account information and market information. Account information includes informati on on branch and ATM locations, credit/debit cards, statements, alerts, balance inquiries, etc., while market information includes products and services, currency exchanges, interest rates, etc. Mobile banking advantages disadvantages Mobile banking offers many advantages to both, users and service providers. It is fast and easy to use and saves time. For online banking, an internet connection is an essential which is a major problem in developing countries. However, many individuals can find mobile connectivity at places where internet connection cannot be found. Mobile banking is cost effective for providers as cost of mobile banking is much less compared with onsite banking. Various kinds of banking services and transactions can be performed with mobile banking. However, mobile banking has many disadvantages too. Security issues are the major concern. Phishing scams, viruses and Trojans and physical loss of the mobile device are some of the security issues that affect mobile banking. The cost of the mobile devices, which are compatible with the mobile banking application and still quite high. Mobile requires a data plan and text messaging services, which is an added cost to the user. Some providers charge for s oftware and mobile banking services as well. Different types of mobile banking architecture 5There are three types of architectures available for mobile phones to enable mobile banking. Up until 2010 most of the mobile banking was performed by SMS or mobile web. With the advancement in mobile phones and following the success of Apples iPhone and other operating system based phones, mobile banking is increasing through the special client applications. These different architectures are further discussed below: SMS or MMS based mobile banking Mobile website Mobile client application SMS or MMS based mobile banking architecture SMS based mobile banking was the first mobile banking service offered. It is based on plain text message interaction. 6,11SMS banking works in two different modes. Pull mode and push mode. Pull mode is a one-way text message system where the bank sends a text message to the users informing them about certain account situations. It can be used to promote other mobile banking services. Push mode is a two-way message system where users send text messages to the bank requesting specific transactions or services with predefined request codes and the bank replies with specific information pertaining to the transactions or services through plain text messages. 6,11There are two different kinds of text messaging systems: SMS and MMS. SMS is a short form of short message service, which includes sending or receiving plain text messages from the bank. It has a limitation on the number of characters can be included in a message. MMS, known as multimedia messaging service, is the second type of messaging service, which can carry larger text messages and works on the same platform as SMS. To use message based mobile banking, a customer has to enroll his/her cell phone to the bank and the bank sends a text massage with a onetime password. Each bank has its own SMS banking number and commands for mobile banking. The message based system has some advantages. It is cost effective and familiar technology, virtually available in each and every cell phone regardless of manufacturer, model or carrier. It provides two-way communication between the bank and the user, so either the bank or the customer can initiate communication. It does not transmit or sto re the confidential information in the mobile device. However, SMS cannot carry a larger message and account information. SMS has to be limited to certain number of characters which limits its use. Mobile website based mobile banking architecture 6,11This architecture includes the use of the internet browser of the mobile device to access the banks internet banking website. Users can connect to the internet via a wireless network or their carriers internet service. The biggest advantage of this architecture is most of the processing is done at a remote server at the bank and much less information is stored in the mobile device. On the other hand, it doesnt require the installation of special software and most of the phones today are capable of using an internet browser. 6,11WAP (wireless access protocol) was created in 1999 and made internet access possible through mobile devices. WAP is an industry standard for wireless applications for mobile devices. It provides the same kind of user experience to the customer as the Internet banking and it does not require the installation of a special mobile banking application. However, it has some disadvantages also. Banks have to create mobile websites that are mobile friendly and can be accessed through the small screen of mobile device. It does not work with all kinds of phones and requires smart or PDA phones. There is an added cost for data plans and only customers can initiate communication. This system is more prone to attack as mobile devices are not capable of running firewalls or antivirus protections. Mobile client application based mobile banking architecture 6,11This architecture requires the download and installation of a mobile client application to the mobile device. With the help of the application a bank can provide a wide range of services to their customers. Although this approach has some advantages and some disadvantages. First of all, users have to learn a new application. The application has to be customized to different phones which increases the development cost to the banks. The applications are also susceptible to attacks and only customers can initiate communication. The older phones are not capable of running this application because of technical limitations. The use of internet requires a data plan that increases the cost on the part of customers. (A data plan requires to use client application based mobile banking architecture, which increases the cost on the part of customer.) Some of the banks charge an initial fee for downloading and installing the mobile client application. Mobile banking security requirements Confidentiality Authentication integrity non-repudiation Security attacks/threats Mobile banking is an emerging technology and the number of mobile banking subscribers increases day by day. With the increase in number of users, the concerns for security also rise. Different kinds of security attacks are as follows: What kinds of attacks are more on which types of architecture model? Vishing12 Vishing is a social engineering attack over the telephone system. It is a type of phishing and it is a combination term of voice and phishing. Mostly it uses features facilitated by Voice over IP (VOIP), to gain access to private, personal and financial information from the public (information of the users). It is used to get the authentication information of the user mostly for financial gain. 13Phishing Phishing is an another kind of social engineering attack in an electronic communication to acquire sensitive information like usernames, passwords and credit card details by redirecting unsuspecting users to a fake website with the use of an authentic looking email. It can also be carried out by instant messages. 14Smishing Smishing is also a social engineering attack similar to phishing. The name is derived from SMs phiSHING. It uses the text message system of the phone to get private, personal, and financial information of the user. A web site URL embedded in the text message may act as a hook. However, the phone number that connects to the automated voice response system has become more common. 15,16Spoofing Spoofing is an attack where a person or program successfully masquerades as another with falsifying data. A spoofing attack causes the telephone network to display a number on the recipients caller-id-display. This number is familiar and looks like it came from a legitimate source, which is not an origination source actually. 6Lost and stolen phones This is one the biggest threats for mobile banking. Mobile phones are small and portable and could be easily lost or stolen. Authentication, authorization and confidentiality are the areas to be considered when mobile devices are lost or stolen. 19In 2001, 1.3 million devices were lost or stolen in the UK. 17In 2006, over 1 billion phones were sold worldwide. Of those 80 million were smartphones, which have operating system and can store all kinds of information. 18A survey found that 34% users didnt even use a PIN. This threat increases with the increase in the number of phones. 6Cracking and Cloning Cracking a mobile device means modifying its software to gain control of that particular mobile device. Attackers find the ways to break or crack the software and once cracked the attacker has the access to the data stored in the device. An IPhone cracked by an ISE is an example of phone cracking. Attacker found an exploit in the iPhones web browser, deployed a fussing attack and injected invalid data into a program looking for the buffer overflow. With cracking, the software attacker can also view SMS logs, call history, etc. or send that data to their machine. Bluetooth is also vulnerable to phone crack attack. 17If Bluetooth is on, any Bluetooth device can connect to the phone within a 30 foot range. An attacker can use bluesnarfing and download, upload or edit files on a device without the owners permission. Default setting can be change by attacker.(Even once a Bluetooth device connected with phone, attacker can change the default setting also.) 20One survey in London found that 379 out of 943 phones had their default setting on and 138 out of 379 were vulnerable to attack. Making identical copies of anything is known as cloning. Cloning of a mobile device creates a second device, which has the same identical information as the original device. Cloning new phones is difficult while older phones were easy to clone with some basic equipment. 17Cloning of GSM phones is much more difficult in comparison to cloning of CDMA phones. Cloning of CDMA phones only requires a phones electronic serial number and mobile identification number. A few ALLTEL customers had their phones cloned during their visit to different places. Cloning can affect all carriers and all kinds of phones if they are left on. 21With less than $2000, any attacker can build a cloning device that can capture the signals from a mobile device. It can capture the signals sent out by the phone from up to a mile away and get the codes that identify the phone. Cracking and cloning are active threats to mobile banking. Cracking can be used to get sensitive data from the phone or to install malware w hile cloning can duplicate all information from the phone and an attacker can get about half of the information to identify the phone. 6,22Man-In-the-Middle attack(MIM) MIM is considered a threat to the confidentiality and integrity of people. It is a form of active eavesdropping in which attacker makes independent connections to victims by positioning him/herself in between two victims to take control of communication between them with the intention of interception and alteration of information and relays it to others, making them believe that it came from the other person and not from the attacker. The attacker must be able to intercept all messages and alter them while it is transit. It is also known as active wiretapping or traffic intercepting. The chances of this kind of attack increases with the use of wireless connection compared to other more secured connections. Viruses, malware and malicious code 24Malicious code is a software in the form of viruses, malware or worms. These kinds of software can be inserted into a system without the knowledge of the user. The primary intent of inserting the software is to gain private personal and financial information of the user and compromise the integrity and confidentiality of the system. It affects the victims private data, applications, operating systems or sometimes just annoys the users. 23Mobile browsers are susceptible to the same kind of security risks as home or office computers. Mobile browsers are little safer at this point compared to computers. With the increase of mobile banking, the numbers of these kinds of software will increase. However, at present, the increasing number of viruses and Trojan horses is the biggest concern to mobile banking security. 25The mobile devices running windows operating system are a favorite target for the hacker community. 26The first generation viruses were proof-of-concept viruses. The Commwarrior virus spreads over Bluetooth and MMS. SymbOS.skulls is a Trojan horse that affects symbian phones and changes all the application icons to skull icons. In 1994, the Cabir worm spread as an infected SIS package called caribe.sis. It spread via open Bluetooth connections and affected Symbian Series 60 phones. Timifonica virus infected PCs in 2000 and sent harmless text messages to cell phones. There are also software that infect mobile devices and look for personal information like stored password or other sensitive information. Some Trojans can steal address book information and send that information to hackers via SMS or MMS. 6Bluetooth can be used easily to spread these viruses. Most digital phones available today are Bluetooth enabled and any Bluetooth device can be infected within range. In Finland, a mobile malware was spread from Bluetooth to Bluetooth device during a soccer game. However, while Blueto oth is the easiest way to spread viruses it is not the only way. Malware have been written that use Internet and cellular networks to spread. SMS and MMS can also be used to spread viruses and malware. Therefore, this threat is a recent major concern for banks and users. Vast number of attacks can be launched with use of viruses and malware. Security countermeasures Security of mobile banking is an important and a crucial issue. In addition to that, wireless communication increases the vulnerability of the system. Therefore, more robust security system is necessary to protect the private personal and financial information of the users. Following are some of the countermeasures discussed in the paper. What kinds of countermeasures are more required and more available for which types of architecture model? User authentication 27Authentication is process of identification of something or someone as authentic. There are three different ways by which someone can be authenticated. These three categories are based on the factors of authentication: what you know, what you have or what you are. Each of these factors have a range of elements. Research has suggested that for better security at least two or preferably three factors be verified. If two elements are required for authentication it is called as two-factor authentication while two or more than two factors authentication is known as multi-factor authentication. 6FFIEC requires banks to use multiple forms of authentication for electronic banking. All mobile banking systems need to use at least two-factor authentication for user identification. 6Authentication techniques based on what user knows including a combination of the pin number, the username, the password and the onetime password for mobile banking. Research has shown security concerns with this technique as users use weak passwords, write it down or share with others. 28Therefore, to increase the protection of the mobile device pin protection or distributed pin verification scheme has been suggested in which one-half of the pin is stored in the mobile device and rest of the half is stored in a remote machine in the network. So the attacker can get only half of the pin from the phones memory. 6Another technique uses what user has. This includes ID card, cell phone, credit card etc. Use of any of the above forms is not a reliable technique as the user must have the physical possession of them. 6Biometrics is an another form of authentication that includes face, voice, fingerprint, DNA sequence etc. 18Clarke and Furnell found in a survey that 83% of populations were in favor of using biometric system for authentication. 29A report on biometric security for mobile banking in March 2008 discusses the different issues of the mobile banking and suggests use of biometric system for more robust security with the help of a users fingerprint as a biometric element. 6Behavior analysis can also be used as a security measure where users are granted or denied access based on their previous behavior. A robust system uses multiple forms of identification before and during use of an application and if necessary asks for more accurate form of identification. If the user fails they are locked out. Encryption 30Encryption means changing or transforming the information in an unreadable form to anyone with the help of algorithm. A key is required to make the information readable again. This process is called decryption. Encryption addresses the confidentiality issue. Encryption can be used to protect data at rest and in transit. There are vast numbers of incidents reporting data interception in transit. 6There are two different ways to protect the data on the phone. (1) Encryption of information stored in the phone and (2) Encryption of the information during communication. 31The current encryption technique is AES and ECC. The wireless data is encrypted with AES and the encryption key uses ECC to encrypt this data. They increase the speed of encryption and decryption and currently they are the most powerful technology available for encryption. 6CellTrust uses AES and micro clients to protect the SMS messages and send encrypted SMS messages. ClairMail recommends the use of SSL and HTTPS during communication. TPM is another tool that can help with encryption and protection of mobile devices. It is an embedded chip in the motherboard that can work with mobile devices or security smartcards. It can store keys, passwords, digital signature and certificates. 32TPM chip has a unique RSA key embedded in it during production. So it can be used to perform platform authentication. For example , to verify mobile devices seeking access for mobile banking. Digital signature 33Digital signature is an electronic signature that can be used to identify the authenticity of the message of the document. It is also known as digital cryptographic signature. It can be used with encrypted or unencrypted message. A valid digital signature indicates that the message or document was sent by a known person and it was not altered in transit. Digital signature also represents non-repudiation. Therefore, ones the message has been sent and digitally signed, the signer cannot deny that he/she did not sign a message. 6With the help of Digital signatures customer can sign the document and does not have to visit branch office. In mobile banking, adding a digital signature to the transaction proves that a customer authorized the transaction. 31At present digital signature technology uses RSA algorithm and ECC algorithm. Because of higher security level, low calculating processing speed, small storage space and low band-width requirement ECC will be more suitable for mobile banking. WPKI technology 34PKI (public key infrastructure) is a security mechanism for wireless internet and uses public key cryptography and certificate management for communications. It provides all four of the security feature for e-commerce: confidentiality, integrity, non-repudiation and authentication. 35WAP (wireless access protocol) is developed by WAP forum to provide a common format for internet transfers for mobile devices. The WAP stack includes five layers: WAE, WSP, WTP, WDP and WTLS. WAP consists of WIM, WTLS, WMLScrypt and WPKI. 31Wireless application protocol PKI is an extension of traditional IETF PKI standards used in wired network. It is mainly used in wireless network. WPKI applications have to work in a restricted environment like less powerful CPUs, less memory, less storage space, small displays etc. Therefore, WPKI must be optimized like the other security and application services within WAP environment. WPKI uses a public key system based on ECC algorithm for encryption and decryption. With the help of this system the information can safely reach to its destination. In the presence of other security protocols like WIM, WTLS and WMLScrypt of WAP, WPKI can fulfill all four security requirements for mobile banking: confidentiality of data, identity and authentication, integrity and non-repudiation. Conclusion The number of people use mobile devices is rising rapidly. Advanced technology in mobile device field has overcome the limitations of the older phones. Newer phones have a wide range of functions and improvement in hardware and software support, which enabled users to use mobile devices as substitute for computers. These mobile devices are capable of performing complex functions, which enabled users to manage their finances through mobile devices. There are three different kinds of architecture for mobile banking. SMS based system works in almost any mobile device. Web based systems are similar to internet system and they are more popular in the USA. The client application system offers robust solution to mobile banking. However, all of these systems have security issues those need to identified and addressed in a proper fashion. Confidentiality, authentication, integrity and non-repudiation are the most important security requirements for any mobile banking system. Authentication of the user and encryption of the data presents serious challenges to the mobile banking system. Implementing the various types of authentication and encryption technology can improve the mobile banking security, which reduces customers fear against security issues and increase

Cival Rights Act 1964 :: essays research papers fc

When the Government Stood Up For Civil Rights "All my life I've been sick and tired, and now I'm just sick and tired of being sick and tired. No one can honestly say Negroes are satisfied. We've only been patient, but how much more patience can we have?" Mrs. Hamer said these words in 1964, a month and a day before the historic Civil Rights Act of 1964 would be signed into law by President Lyndon B. Johnson. She speaks for the mood of a race, a race that for centuries has built the nation of America, literally, with blood, sweat, and passive acceptance. She speaks for black Americans who have been second class citizens in their own home too long. She speaks for the race that would be patient no longer that would be accepting no more. Mrs. Hamer speaks for the African Americans who stood up in the 1950's and refused to sit down. They were the people who led the greatest movement in modern American history - the civil rights movement. It was a movement that would be more than a fragment of history, it was a movement that would become a measure of our lives (Shipler 12). When Martin Luther King Jr. stirred up the conscience of a nation, he gave voice to a long lain dormant morality in America, a voice that the government could no longer ignore. The government finally answered on July 2nd with the Civil Rights Act of 1964. The Civil Rights Act of 1964 is historically significant because it stands as a defining piece of civil rights legislation, being the first time the national government had declared equality for blacks. The civil rights movement was a campaign led by a number of organizations, supported by many individuals, to end discrimination and achieve equality for American Blacks (Mooney 776). The forefront of the struggle came during the 1950's and the 1960's when the feeling of oppression intensified and efforts increased to gain access to public accommodations, increased voting rights, and better educational opportunities (Mooney). Civil rights in America began with the adoption of the 13th, 14th, and 15th amendments to the Constitution, which ended slavery and freed blacks in theory. The Civil Rights Acts of 1866 and 1875 were passed, guaranteeing the rights of blacks in the courts and access to public accommodation. These were, however, declared unconstitutional by the Supreme Court, who decided that the fourteenth did not protect blacks from violation of civil rights, by individuals.

Definition of Bail

Bail is the form of pledging property or money to a court in exchange for the release of prisoner from jail (Lectric Law Library, 2008). Usually, bail is done with the understanding that the person suspected of committing a crime will appear for trial or else for he or she will forfeit the bail and become guilty of another crime which is failure to appear before court. In most instances, if the suspect appears in court in all the days he or she is required to do so, the court will return to him or her the bail money after the trial has ended, whether or not the suspect is handed down a guilty verdict.In short, the main purpose of bail is to the provide the court some form of assurance that the suspect will not flee from the crime he or she is accused of and will appear in his or her trials when he or she is commanded to do so. Moreover, bail also has humanitarian purposes. For example, in most cases, the trial of a suspect would begin after weeks or months upon his or her arrest. Sin ce he or she is still a suspect and not yet proven guilty, he or she is entitled to bail before the trial commences in order for him not to miss occasions such as family gatherings and holidays, among others.Furthermore, there are several types of bail. These include the cash bail, release on citation or cite out, property bond, release on own personal recognizance, and surety bond (Silverman, 2008). The cash bail is one of the most commonly used types of bail. As its name implies, it involves the suspect paying the bail in full amount using cash. However, there are certain times that the court may also accept credit cards and checks.Cite out is when the arresting office does not book a suspect and instead gives him or her a citation that states that the accused must show up in court (Silverman, 2008). This is usually done so that the officer can focus on arresting more serious violators of the law. On the other hand, property bond is when the accused can present his or her property to serve as a bond (Silverman, 2008). In this case, the court then obtains a lien or legal claim on the suspect’s property in the bail’s amount.If the suspect fails to go to his or her required court appearances, the court can decide to shut out the property in order to retrieved the forfeited bail (Silverman, 2008). Release on own personal recognizance is when a judge decides to release the accused based on his personal recognizance, which means that he or she does not have to pay bail but is solely responsible for his or her appearing in court at the required dates (Silverman, 2008). Finally, surety bond or bail bond is when another party lawfully agrees to pay the debt of the suspect.This is usually performed by a bail bondsman, who will receive 10 per cent of the amount of bail payment required and will keep the amount for himself or herself even if the defendant fails to show up in court (Silverman, 2008). In the United States, the bail law was mainly based on a system implemented in England in 1677 (Silverman, 2008). During that year, the English parliament created the Habeas Corpus Act and one of its provisions enabled magistrates to set bail terms.In addition, the 1689 English Bill of Rights restricted excessive bail, which was also used in the constitution of the state of Virginia and United States Constitution’s Eighth Amendment (Silverman, 2008). However, in essence, the bail is provided under the Sixth Amendment to the US Constitution which states that all people who are arrested must be â€Å"informed of the nature and cause of the accusation† (Silverman, 2008) they are charged with. In addition, the Sixth Amendment also enables a suspect to ask for bail if he or she is accused of a bailable crime.Moreover, at present, the terms and conditions of bail in the United State are contained in the 1984 Bail Reform Act that replaced the 1966 Bail Reform Act, which in turn, repealed the Judiciary Act of 1789 (Silverman, 2008). However, although bail is provided under the Sixth Amendment and in other US laws, it does not necessarily guarantee that everyone accused of a crime has a right to post bail. Under the current law, defendants who pose a great danger to society are held in prison without bail until their trial starts.Other suspects that cannot post bail include those who have committed serious crimes and capital offenses, repeat criminals or offenders, and those who may be at flight risk (Silverman, 2008). References Lectic Law Library. (2008). Bail. Retrieved September 29, 2008 from http://www. lectlaw. com/def/b004. htm. Silverman, J. (2008). How Bail Works. How Stuff Works. Retrieved September 29, 2008 from http://people. howstuffworks. com/bail. htm.

Health Essay

I do agree with this week’s speaker Sarah Lightheart one-hundred percent; I think that health is so hard to define because of the fact, there are so many different aspects of health. Health is not just eating right, exercising, and being social every now and again. There are six different dimensions of health that need to have some sort of balance in order to achieve the optimal level of health in oneself to in turn be healthy. To me, health does not mean that it you are lacking a little in one area of the six aspects of health that you are an unhealthy person, I feel that there needs to be more of a balance within all six dimensions. In addition, every aspect does not need to be at a maximum level for a person to be healthy; I personally focus more on the emotional, physical, spiritual, and social aspects of health and the rest just fall into place for me. With the exception of environmental health aspect, I do want I can but, I do not go out of my way to be more healthy in the environmental dimension, in which I do need to find more of a balance. In conclusion, the definition of health to me is a balance of all six dimensions of health I believe that each person has their own personal levels they need to maintain to be healthy, Every human has their own individual traits to be healthy, and what makes one person healthy may not do the same for another.

Influence of the Declaration of Independence essays

Influence of the Declaration of Independence essays The Declaration of Independence has served many purposes throughout the last two and a half centuries. It is a foundation for new ideas such as civil rights. The phrase "All men are created equal" is a legacy that our country pursues daily. The Declaration of Independence is a strong national symbol; it is something that makes our country what it is. Little did Jefferson know the effect his words would have on the country, even hundreds of years later. The Declaration of Independence served its purpose well to Jefferson as a propaganda piece, helping to spread ideas and implore the people to think of freedom as a necessity. The Declaration was originally intended as a propaganda piece. Thomas Jefferson, as well as the other Patriot colonists, felt mature enough in their colonization to survive on their own. They felt that it would be more beneficial to the colonies as a whole to break free of the mother country. England was no longer necessary for the survival and prosperity of New England. However, they could not gain independence on their own. They needed the help of the other American colonies, knowing that strength lies in numbers, and also that they would need sources of trade to achieve long-term success. "An inspirational appeal was also needed to enlist other English colonies in the Americas, to invite assistance from foreign nations, and to rally resistance at home" (American Pageant 147). The patriots needed their voice to be heard if they intended to take action. Jefferson was able to voice it in a way that made it appealing to the majority. He tied it personally to the colonists by remi nding them that they were subject to persecution by the English monarch, King George III. "He has refused to assent to laws, the most wholesome and necessary for the public good" (American Pageant A1). "He has erected a multitude of new officers and sent hither swarms of officers to harass our people and eat out their substance" (Ame...