The security of access to accounts under the PSD2

The revised Payment Services Directive (‘PSD2’) has been adopted to stimulate the development of an integrated internal market for payment services. In particular, it facilitates payment initiation services and account information services by granting the providers of these services access to the accounts of the payment service users. At the same time, the recitals state that the PSD2 guarantees a high level of consumer protection, security of payment transactions and protection against fraud.This paper answers the following question: To what extent does the access to accounts of the payment initiation service providers and account information service providers balance the development of the market for payment services with the security of the payment account and the privacy of the user? An analysis of the PSD2 shows that the development of the market for payment services has a higher priority. Security and privacy are ultimately subordinate.First, the PSD2 does not adequately protect the personal data of the users. The definition of ‘account information service’ is broad and covers a wide range of services. This allows the payment service providers to circumvent the limitations of the access to accounts.Next, the payment service providers have a ‘fall back option’ that allows ‘screen scraping’ if the dedicated interface is not functioning properly. Although this access is constrained by several safeguards, the fall back option gives the payment services provider unlimited access to the account of the user.Finally, the payment service providers have considerable freedom to arrange their authentication process as they see fit. The banks seem to be required to trust this process. The PSD2 and regulatory technical standards do not demand that a bank is able to verify the authentication or the integrity of the payment order.     

Clinical Challenges in Addressing Intimate Partner Violence (IPV) with Pregnant and Parenting Adolescents

Intimate partner violence (IPV) has been identified as a significant issue for pregnant and parenting adolescents. This study thematically analyzed data from focus groups with service providers (n?=?43) who work with pregnant and parenting adolescents to learn about barriers and strategies for addressing IPV. Service providers described four primary barriers to addressing IPV with their adolescent clients: adolescent clients?? definitions of love, intergenerational relationship patterns, cultural norms about gender and violence, and developmental-contextual considerations. Service providers also indicated that they respond to adolescents?? IPV related concerns by taking steps to identify IPV, building working relationships, and taking appropriate follow-up action. Results suggest that providers can benefit from increased training and skill development in working with IPV, as well as working in interdisciplinary, collaborative teams to increase effectiveness with challenging cases. Programs should consider integrating IPV prevention initiatives that target broader social norms. Future research should pilot and test the effectiveness of targeted IPV training and programmatic interventions with service providers who work with this population.     

Violate, incur sanctions, and exhaust: the steep price of judicial review under Illinois Council

This Article analyzes the decision in Shalala v. Illinois Council on Long Term Care, Inc., in which the Supreme Court held that providers seeking to challenge Medicare regulations must first pursue those challenges through an administrative review process, except when application of this rule would result in "no review at all." In reaching this decision, the five-justice majority rejected the interpretation given to prior holdings by many commentators and circuits, and reasoned that it was appropriate to require providers to exhaust their administrative appeals even though the penalties for the challenged violations would not be stayed during the process. Given the nature of the administrative appeal process and the scope of penalties that may be assessed against Medicare providers, the author argues that the decision in Illinois Council evidences excessive deference towards the agency, or a disinclination on the part of the court towards entertaining Medicare lawsuits, either of which bodes ill for providers seeking judicial relief.     

On-line Citizenship: Consultation and Participation in New Labour's Britain and Beyond

This article looks critically at how the Labour Government in the United Kingdom is using technology to connect with citizens. Although the UK Online and Citizen's Portal initiative may improve the level of service in transactions between government and citizens it is argued that such an approach misses out on the possibilities of using technology to re-invigorate democracy by creating a new public space where participatory decision making can enhance a wider project of democratic renewal. After reviewing briefly the background of government using technology, the article examines ideas of participatory democracy and endorses a normative ideal of democracy as political communication within a model of democratic process where citizens must engage with one another and with government in a genuinely neutral public space. The potential of technology to enhance democratic decision making is reviewed and a model of participatory decision making for computer support is outlined. This is followed by an overview of the range of computer support tools that are available to develop such a model.     

Perceived helpfulness and use of professional services by abused women

Many abused women use professional and community services and begin to talk to professionals about the abuse they have endured. This article presents and discusses results of a study of 270 abused women who used the services of professionals and service agencies. The article presents information on the frequency of contact and the perceived helpfulness of different professions. Also presented are the types of responses which were considered to be useful and ineffective. This study revealed that the most frequently contacted professions were not necessarily perceived to be the most helpful. Further, certain responses of the service providers were more frequently reported to have value.     

Battered Women and the Criminal Justice System: The Service Providers' Perspective

This article reports on a study of the service providers' perspective on what battered women face when entering the criminal justice system. Victim non-co-operation with the system can manifest itself in various ways and at several points in the process. The article begins with a review of the available literature on the criminal justice system's responses to women battering. Then the experiences and perceptions of service providers in Ohio concerning these responses are described, and, consequently, the findings according to factors which may affect service providers responses are analyzed. The article concludes with an assessment of the policy implications of the system's response to women battering.     

Maximizing R&D investments in the Department of Energy's Environmental cleanup program

The investment made in research and development (R&D) by the Department of Energy's (DOE) Environmental Management (EM) program must result in products that will significantly benefit the Department's cleanup efforts. A customer-oriented decision-making process for managing technology development is needed to appropriately link technology development activities with cleanup operations. This paper presents a process for R&D management, which we have named the Technology Investment Decision Model.The model identifies six R&D stages leading to technology implementation. The model incorporates decision points (or “gates”) within the R&D process where projects are selected for funding. The purpose of this “stage-gate” process is to ensure early evaluation of projects against technical and nontechnical criteria in order to ensure that end products will not only provide superior performance, but also meet the acceptance requirements of the intended customers. The model addresses the technology transfer and commercialization factors that must be considered to get technological innovations into the marketplace. The model is now being implemented within the EM technology development program and is providing a common framework to align the Department's environmental R&D activities with its cleanup goals.     

Canada: community stakeholders withdraw from consultation processes with CSC

In November, a group of twelve community-based HIV/AIDS organizations and service providers announced their decision to withdraw from participation in consultation processes and committees of the Correctional Service of Canada (CSC).     

An Innovative Program for Justice-Involved Partner Violence Victims: “No Man is Worth Me Getting Locked Up”

Violence victims who are the primary caregivers for their children sometimes become justice-involved through efforts to protect and defend against intimate partner violence (IPV). Judges often mandate these victims to community-based services, although little is known about these services. Given increasing numbers of such victims, two human service agencies collaborated to create a program for female IPV victims who were their children’s primary caregivers and who were mandated to services for violence against a male partner. Our research team conducted a feasibility study of the program using an exploratory qualitative study design to collect data from program participants (n?=?18) and providers (n?=?7). Analyses determined three key findings: (a) the importance of a welcoming, comfortable environment; (b) the value of certain aspects of the program content; and (c) the importance of support from like others for participant improvement. These findings point to indispensable program elements. Implications for other communities and providers serving justice-involved IPV victims who are also primary caregivers are described.     

Negotiating Citizenship on the Frontlines: How the Devolution of Canadian Immigration Policy Shapes Service Delivery to Women Fleeing Abuse

This article examines how nongovernmental service providers navigate devolutionary trends in Canada, in both immigration control and integration policy, when responding to migrants who come to them for help and support. Drawing upon conceptualizations of citizenship as a “negotiated relationship” ( Stasiulis and Bakan 2003 ), I explore how social service providers, who work amidst a complex interplay of federal, provincial, and local policies, can influence both who is deemed worthy of social membership and what rights an individual can successfully claim from the state. Empirically, this article focuses on observation of community meetings and conversational interviews with service providers in violence against women shelters in Toronto, Ontario, Canada's most populous and diverse city. While service providers navigate different levels of government to advocate for women's rights to seek safety from abuse, I argue that both individual service providers and the organizations in which they work monitor and constrain the degree to which they openly challenge state authority to restrict immigrants' “right to have rights” ( Arendt 1951 [1979] , 296).     

The complexities of managed care: operating a voluntary system

The implementation of state-sponsored voluntary case management programs for public assistance recipients creates provider and recipient recruiting problems that are unique to the state's economic environment, its political climate, its historic relationship with providers, its program goals, and its implementation strategies. This implementation study discusses the factors that influenced the operationalization of the Massachusetts managed care program for AFDC families. The issues of provider recruitment and recipient enrollment are examined in relation to the formal program goals of cost containment and access. The operational and bureaucratic problems the state Medicaid staff has experienced in maintaining the program evokes questions of who should administer the programs, who the best types of providers are in light of program goals, and how recipients can be enrolled in a voluntary program.     

Environmental remediation technology implementation decision patterns

Each year, environmental technology implementation involves many millions of dollars in the United States alone. The economics of making decisions to continue research, to make changes to processes, or to introduce new products is a critical element in the success of organizations. In previous work by Paladino and Longsworth (1996), the importance of economic factors has been postulated to increase according to a set pattern throughout the implementation process. The authors seek to validate this theory and develop a better understanding of decision patterns related to technology implementations in the environmental remediation business area.     

信息网络传播权侵害中的通知与必要措施规则

美国版权法第512条首创的是针对网络接入、系统缓存、信息存储空间、信息定位工具等四类网络服务提供者的通知与必要措施规则。我国《信息网络传播权保护条例》仅不完整地移植和借鉴了美国版权法第512条首创的通知与必要措施规则中的通知与删除规则,从而导致信息存储空间、搜索链接服务提供者之外的网络服务提供者与著作权人利益的失衡。《侵权责任法》第36条第2款恢复了通知与必要措施规则的本来面目,纠正了《信息网络传播权保护条例》的缺陷,并且创造性地将通知与必要措施规则扩大适用于所有网络服务提供者。在涉及侵害信息网络传播权纠纷案件中,除了信息存储空间服务提供者、搜索链接服务提供者的责任规则以及有关通知和反通知的法定要件,应当优先适用《信息网络传播权保护条例》之外,其他种类网络技术服务提供者的责任规则,应当优先适用《侵权责任法》第36条第2款。     

“We Weren’t Ready”: Provider Perspectives on Addressing Intimate Partner Violence Among Refugees and Immigrants in The United States

This study examined organizational factors influencing the availability and accessibility of IPV services for refugee and other vulnerable immigrant women in the U.S. from the perspectives of social service providers. This qualitative study used a purposive sampling approach to recruit 57 social service providers. Researchers analyzed data generated from individual interviews and focus group discussions using a thematic approach. The analysis generated four themes reflective of structural and systemic factors shaping the availability and accessibility of IPV services for immigrant and refugee women in the U.S.: (1) We weren’t ready, (2) No place to go, (3) Time is not on our side, and (4) Can’t do it alone. The analysis illuminated the extent to which service demands outweighed organizational capacities and the rigidity of service timelines that failed to meet needs. A pervasive thread of ethical dilemmas emerged, affecting the availability and accessibility of services. Overall, the findings form a compelling argument for structural shifts in policy and funding, and for fostering strong inter-sectoral coordination to combat barriers to services. The study reiterates the importance of addressing inter-agency collaboration in IPV research, policy, and practice.

     

Collaborations between drug courts and service providers: Characteristics and challenges

Addressing the multiple treatment needs of drug-involved offenders can enhance outcomes including sobriety and recidivism. Meeting drug court offenders' needs requires collaborative linkages between courts and providers of treatment and other services; however, there has been limited research on linkages. Using semi-structured interview data collected from administrators of fourteen drug courts and providers of services to offenders in those drug courts, this study described collaborative linkages and the challenges involved in fostering them. Although results suggest a moderate to strong level of linkage as perceived by both drug court administrators and service providers, services other than substance abuse treatment were sparsely provided through the drug courts. Limitations in funding, management information systems, and staffing were perceived as barriers to linkage. Results offer directions for enhancing linkages between drug courts and service providers and should be of value in improving quality of drug court treatment and offender outcomes.     

Promoting the Safe and Strategic Use of Technology for Victims of Intimate Partner Violence: Evaluation of the Technology Safety Project

The Technology Safety Project of the Washington State Coalition Against Domestic Violence was designed to increase awareness and knowledge of technology safety issues for domestic violence victims, survivors, and advocacy staff. The project used a “train the trainer” model and provided computer and Internet resources to domestic violence service providers in order to (1) increase safe computer and Internet access for domestic violence survivors in Washington; (2) reduce the risk posed by abusers by educating survivors about technology safety and privacy; and (3) increase the ability of survivors to help themselves and their children through information technology. Evaluation of the project suggests that the program is needed, useful, and effective. Consumer satisfaction was high and there was perceived improvement in computer confidence and knowledge of computer safety. Areas for future program development and further research are discussed.     

Internet service providers as law enforcers and adjudicators. A public role of private actors

Private actors have become increasingly involved in the law enforcement process in recent years, taking up more proactive roles and being increasingly engaged in choices between conflicting rights and freedoms. The development and spread of information and communication technology (ICT) created a set of conditions in which the participation of private actors (service providers in this case) appears to be a necessity. These conditions include, for example, a lack of physical borders for ICT technologies, the speed and width of the spread of information on the Internet, as well as the growth of technological behemoths. The resulting reaction can be seen in various sectors, such as combatting illicit content online or gathering digital evidence. While executing these roles they may be compelled – de jure or de facto – to make value judgments which traditionally belong to the public authorities. At the same time the legal framework is either lacking or it does not fully cover the consequences of this fundamental paradigm shift, to the detriment of the authorities, private actors and persons concerned.The objective of this article is to examine the most important features of these developments and analyse resulting key legal problems. The author demonstrates that the legal landscape of cooperation between law enforcement and service providers must be rethought and offers a direction for this reflection.     

A tale of two cultures: examining patient-centered care in a forensic mental health hospital

Several questions remain unanswered regarding the extent to which the principles and practices of patient-centered care are achievable in the context of a forensic mental health hospital. This study examined patient-centered care from the perspectives of patients and providers in a forensic mental health hospital. Patient-centered care was assessed using several measures of complementary constructs. Interviews were conducted with 30 patients and surveys were completed by 28 service providers in a forensic mental health hospital. Patients and providers shared similar views of the therapeutic milieu and recovery orientation of services; however, providers were more likely to perceive the hospital as being potentially unsafe. Overall, the findings indicated that characteristics of patient-centered care may be found within a forensic mental health hospital. The principles of patient-centered care can be integrated into service delivery in forensic mental health hospitals, though special attention to providers' perceptions of safety is needed.     

Using GIS to evaluate post-release prisoner services in Newark, New Jersey

Discharge planning is increasingly prioritized by correctional systems in order to prepare prisoners for their reintegration into society. A goal of discharge planning is to link prisoners with appropriate service providers in the community to meet their needs. A successful discharge plan requires that an optimal level of services exist and work in a coordinated and collaborative way in order to ensure a continuum of care and treatment during the reentry process (Queralt & Witte, 1999). This study utilized Geographic Information System (GIS) to assess the size, demographic characteristics, and needs of the Newark, New Jersey parolee population with the availability, location, and characteristics of health and human service agencies servicing their needs. A random sample of parolees (N = 800) released in 2006 was selected for this study. Social service agency data were obtained from an on-line service agency data base. Results of the analysis include the degree of spatial distribution, accessibility, and availability of services to where the parolees live and the degree of spatial overlap of specific services in an area.     

Rethinking the notion of hosting in the aftermath of Delfi: Shifting from liability to responsibility?

Liability of Internet intermediaries for a third-party content is a complex topic, especially with regards to the storage of illegal or harmful postings offered by portals. The E-Commerce Directive offered a liberal framework for handling such cases, provided that a hosting service provider has not played an active role in content management. Being passive turned out to be the key precondition for immunity under safe harbour provisions. Yet, after the Delfi ruling the legal landscape has changed radically. Although the judgment of the Strasbourg tribunal has been dismissed in some jurisdictions as an error or one-off case, the truth is that it took into account acquis communautaire and imposed liability on the news portal, which followed the guidelines of Google France and eBay rulings. Given the lack of predictability of the current legal framework, the aim of this contribution is to offer a deep-dive into the notion of hosting from a technical perspective in order to better understand why Articles 14–15 of the E-Commerce Directive may require a re-examination. It is also submitted that portals and other online service providers relying on a broad construction of safe harbours should be entitled to Good Samaritan protection akin to section 230 of the American Communications Decency Act in order not to hold them liable for being active in fighting hate speech and other forms of illegal and harmful conduct.