• Title/Summary/Keyword: Account Vulnerability

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Socio-Economic and Demographic Determinants of Financial Inclusion in Underdeveloped Regions: A Case Study in India

  • KANDARI, Prashant;BAHUGUNA, Uma;SALGOTRA, Ajay Kumar
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.3
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    • pp.1045-1052
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    • 2021
  • The main purpose of this paper is to explore the relationship between financial inclusion and socio-economic and demographic factors. Ownership of bank accounts, availing of credit facility, and use of mobile banking were considered the major indicators of financial inclusion. To achieved this objective, the present study was conducted in the rural regions of three hill districts of Uttarakhand. 780 rural households were selected by using stratified and judgment sampling technique. To measure the association between the variables, binary logistic regression model was employed. The findings of the study revealed that there is a significant association of socio-economic variables with financial inclusion. The overall analysis of the study indicates that the likelihood of having bank account, usage of mobile banking facility, and availing credit facility increases with the increase in the financial literacy of an individual in hill rural regions of the state. Further, the study also indicates the vulnerability of women relative to that of men in both cases of mobile usage and availing credit. The findings of the study suggest to target the economically vulnerable section of population (as identified in case of having low financial inclusion) and enhancing the financial literacy in these regions.

String analysis for detection of injection flaw in Web applications (웹 응용프로그램의 삽입취약점 탐지를 위한 문자열분석)

  • Choi, Tae-Hyoung;Kim, Jung-Joon;Doh, Kyung-Goo
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.17 no.6
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    • pp.149-153
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    • 2007
  • One common type of web-application vulnerabilities is injection flaw, where an attacker exploits faulty application code instead of normal input. In order to be free from injection flaw, an application program should be written in such a way that every potentially bad input character is filtered out. This paper proposes a precise analysis that statically checks whether or not an input string variable may have the given set of characters at hotspot. The precision is accomplished by taking the semantics of condition into account in the analysis.

A study on the vulnerability of OTP implementation by using MITM attack and reverse engineering (MITM 공격과 리버스 엔지니어링을 이용한 OTP 적용환경의 취약점 연구)

  • Kang, Byung-Tak;Kim, Huy-Kang
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.21 no.6
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    • pp.83-99
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    • 2011
  • OTP (One Time Password) is widely used for protecting accounts on Internet banking, portal services and online game services in Korea. OTP is very strong method for enforcing account security but there are several ways for exploiting vulnerabilities caused by implementation errors. These attacks can work because of the weakness from OTP enabled system's vulnerabilities, not for OTP's algorithm itself. In this paper, we present the known attack scenarios such as MITM (Man-in-the-Middle) attack and various reverse engineering techniques; also, we show the test result of the attacks and countermeasures for these attacks.

Effect of sequential earthquakes on evaluation of non-linear response of 3D RC MRFs

  • Oggu, Praveen;Gopikrishna, K.
    • Earthquakes and Structures
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    • v.20 no.3
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    • pp.279-293
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    • 2021
  • Most of the existing seismic codes for RC buildings consider only a scenario earthquake for analysis, often characterized by the response spectrum at the specified location. However, any real earthquake event often involves occurrences of multiple earthquakes within a few hours or days, possessing similar or even higher energy than the first earthquake. This critically impairs the rehabilitation measures thereby resulting in the accumulation of structural damages for subsequent earthquakes after the first earthquake. Also, the existing seismic provisions account for the non-linear response of an RC building frame implicitly by specifying a constant response modification factor (R) in a linear elastic design. However, the 'R' specified does not address the changes in structural configurations of RC moment-resisting frames (RC MRFs) viz., building height, number of bays present, bay width, irregularities arising out of mass and stiffness changes, etc. resulting in changed dynamic characteristics of the structural system. Hence, there is an imperative need to assess the seismic performance under sequential earthquake ground motions, considering the adequacy of code-specified 'R' in the representation of dynamic characteristics of RC buildings. Therefore, the present research is focused on the evaluation of the non-linear response of medium-rise 3D RC MRFs with and without vertical irregularities under bi-directional sequential earthquake ground motions using non-linear dynamic analysis. It is evident from the results that collapse probability increases, and 'R' reduces significantly for various RC MRFs subjected to sequential earthquakes, pronouncing the vulnerability and inadequacy of estimation of design base shear by code-specified 'R' under sequential earthquakes.

Seismic Fragility Analysis of Container Crane Considering Far-Fault and Near-Fault Ground Motion Characteristics (원거리와 근거리 지진파의 특성을 고려한 항만 컨테이너 크레인의 지진취약도 분석)

  • Park, Ju-Hyun;Min, Jiyoung;Lee, Jong-Han
    • Journal of the Earthquake Engineering Society of Korea
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    • v.27 no.2
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    • pp.83-90
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    • 2023
  • The recent increase in earthquake activities has highlighted the importance of seismic performance evaluation for civil infrastructures. In particular, the container crane essential to maintaining the national logistics system with port operation requires an exact evaluation of its seismic response. Thus, this study aims to assess the seismic vulnerability of container cranes considering their seismic characteristics. The seismic response of the container crane should account for the structural members' yielding and buckling, as well as the crane wheel's uplifting derailment in operation. The crane's yielding and buckling limit states were defined using the stress of crane members based on the load and displacement curve obtained from nonlinear static analysis. The derailment limit state was based on the height of the rail, and nonlinear dynamic analysis was performed to obtain the seismic fragility curves considering defined limit states and seismic characteristics. The yield and derailment probabilities of the crane in the near-fault ground motion were approximately 1.5 to 4.7 and 2.8 to 6.8 times higher, respectively, than those in the far-fault ground motion.

Efficient Coverage Guided IoT Firmware Fuzzing Technique Using Combined Emulation (복합 에뮬레이션을 이용한 효율적인 커버리지 가이드 IoT 펌웨어 퍼징 기법)

  • Kim, Hyun-Wook;Kim, Ju-Hwan;Yun, Joobeom
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.30 no.5
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    • pp.847-857
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    • 2020
  • As IoT equipment is commercialized, Bluetooth or wireless networks will be built into general living devices such as IP cameras, door locks, cars and TVs. Security for IoT equipment is becoming more important because IoT equipment shares a lot of information through the network and collects personal information and operates the system. In addition, web-based attacks and application attacks currently account for a significant portion of cyber threats, and security experts are analyzing the vulnerabilities of cyber attacks through manual analysis to secure them. However, since it is virtually impossible to analyze vulnerabilities with only manual analysis, researchers studying system security are currently working on automated vulnerability detection systems, and Firm-AFL, published recently in USENIX, proposed a system by conducting a study on fuzzing processing speed and efficiency using a coverage-based fuzzer. However, the existing tools were focused on the fuzzing processing speed of the firmware, and as a result, they did not find any vulnerability in various paths. In this paper, we propose IoTFirmFuzz, which finds more paths, resolves constraints, and discovers more crashes by strengthening the mutation process to find vulnerabilities in various paths not found in existing tools.

District-Level Seismic Vulnerability Rating and Risk Level Based-Density Analysis of Buildings through Comparative Analysis of Machine Learning and Statistical Analysis Techniques in Seoul (머신러닝과 통계분석 기법의 비교분석을 통한 건물에 대한 서울시 구별 지진취약도 등급화 및 위험건물 밀도분석)

  • Sang-Bin Kim;Seong H. Kim;Dae-Hyeon Kim
    • Journal of Industrial Convergence
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    • v.21 no.7
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    • pp.29-39
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    • 2023
  • In the recent period, there have been numerous earthquakes both domestically and internationally, and buildings in South Korea are particularly vulnerable to seismic design and earthquake damage. Therefore, the objective of this study is to discover an effective method for assessing the seismic vulnerability of buildings and conducting a density analysis of high-risk structures. The aim is to model this approach and validate it using data from pilot area(Seoul). To achieve this, two modeling techniques were employed, of which the predictive accuracy of the statistical analysis technique was 87%. Among the machine learning techniques, Random Forest Model exhibited the highest predictive accuracy, and the accuracy of the model on the Test Set was determined to be 97.1%. As a result of the analysis, the district rating revealed that Gwangjin-gu and Songpa-gu were relatively at higher risk, and the density analysis of at-risk buildings predicted that Seocho-gu, Gwanak-gu, and Gangseo-gu were relatively at higher risk. Finally, the result of the statistical analysis technique was predicted as more dangerous than those of the machine learning technique. However, considering that about 18.9% of the buildings in Seoul are designed to withstand the Seismic intensity of 6.5 (MMI), which is the standard for seismic-resistant design in South Korea, the result of the machine learning technique was predicted to be more accurate. The current research is limited in that it only considers buildings without taking into account factors such as population density, police stations, and fire stations. Considering these limitations in future studies would lead to more comprehensive and valuable research.

A Study on the Road Facilities Use Characteristics of the Transportation Vulnerable by AHP Analysis (AHP분석을 통한 교통약자의 도로시설 이용특성에 관한 연구)

  • KIM, Min Je;LEE, Young Woo
    • Journal of Korean Society of Transportation
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    • v.33 no.3
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    • pp.276-283
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    • 2015
  • Pedestrians have been exposed to dangerous traffic environments, in which walking spaces in a city decrease without improved facilities even though cars increase. Such poor walking environments are deadly dangerous to the vulnerable as well as the non-vulnerable. This study analyzed the road facilities use characteristics according to a type of vulnerability in order to improve traffic safety and walking environment for vulnerable pedestrians. This study surveyed the vulnerable in terms of issues that they encountered on existing walkways and conducted the analytic hierarchy process (AHP), which took all quantitative and qualitative variables into account. The results of Level-3 analysis were showed that the elderly and the disabled were partially similar; both felt most inconvenient at enter-exit sections, steep walkway and bad paved walkway. Unlike those results, people with children and/or infants answered that overpass or underpass walkways without lifting facilities were most inconvenient walking environments.

Urban Regeneration Considerated on Safety Vulnerability of Port Hinterland Residential Area - Focused on Dong-Gu and Nam-Gu of Busan Metropolitan City - (항만배후 주거지역의 안전 취약성을 고려한 도시재생 - 부산광역시 동구와 남구를 대상으로 -)

  • Park, Kang Ah;Kim, Jong Gu;Park, Min Ah
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.38 no.5
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    • pp.761-769
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    • 2018
  • Urban safety has not been substantially considered in urban regeneration projects, although there is increasing interest in safety issues lately. However, there is limited research on the safety of port hinterland residential areas. Therefore, this study 1)selects appropriate safety indicators, and 2)identifies the most vulnerable sites in Dong-gu and Nam-gu in Busan using ArcGIS. 3)Lastly, our study asks residents of the selected sites to examine their awareness of the urban regeneration projects occurring in the vicinity. The respondents are fairly well aware of the ongoing urban regeneration projects, the effect of which on the improvement of safety are thought to be negative. The weakest point they indicated was accidents regarding aged buildings, and they also care more about life safety than natural hazard. These findings must be taken into account in the next urban regeneration projects in the Dong-gu and Nam-gu area.

Seismic vulnerability of reinforced concrete building structures founded on an XPS layer

  • Koren, David;Kilar, Vojko
    • Earthquakes and Structures
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    • v.10 no.4
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    • pp.939-963
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    • 2016
  • According to the new directives about the rational and efficient use of energy, thermal bridges in buildings have to be avoided, and the thermal insulation (TI) layer should run without interruptions all around the building - even under its foundations. The paper deals with the seismic response of multi-storeyed reinforced concrete (RC) frame building structures founded on an extruded polystyrene (XPS) layer placed beneath the foundation slab. The purpose of the paper is to elucidate the problem of buildings founded on a TI layer from the seismic resistance point of view, to assess the seismic behaviour of such buildings, and to search for the critical parameters which can affect the structural and XPS layer response. Nonlinear dynamic and static analyses were performed, and the seismic response of fixed-base (FB) and thermally insulated (TI) variants of nonlinear RC building models were compared. Soil-structure interaction was also taken into account for different types of soil. The results showed that the use of a TI layer beneath the foundation slab of a superstructure generally induces a higher peak response compared to that of a corresponding system without TI beneath the foundation slab. In the case of stiff structures located on firm soil, amplification of the response might be substantial and could result in exceedance of the superstructure's moment-rotation plastic hinge capacities or allowable lateral roof and interstorey drift displacements. In the case of heavier, slenderer, and higher buildings subjected to stronger seismic excitations, the overall response is governed by the rocking mode of oscillation, and as a consequence the compressive strength of the XPS could be insufficient. On the other hand, in the case of low-rise and light-weight buildings, the friction capacity between the layers of the applied TI foundation set might be exceeded so that sliding could occur.