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The IUP Journal of Cyber Law

November' 08

Focus

Internet governance comprises three `layers' of governance—the layer of `physical infrastructure' through which information travels, the `code' or `logical' layer that controls the infrastructure, and the `content' layer which comprises the information that is transmitted through the network.

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Electronic State Sovereignty
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An Avatar's Day in Court: A Proposal for Obtaining Relief and Resolving Disputes in Virtual World Games

--Farnaz Alemi, Esq.

Virtual world games are a hub for worldwide entertainment, social networking and financial gain. They have also become a venue for criminal and tortious activities. Human players are using their in-game players or avatars to steal, defame, mutilate, defraud, emotionally wreak havoc and disrupt other avatars' game-play. Not only has this resulted in emotional detriment to players, but also in property and financial damage. Though such cruel acts are routinely brushed aside, critics, players and scholars are increasingly attaching real-life consequences to in-game activities. Despite the harm, victims are often unable to seek redress, leading to a negative game-playing experience, potentially driving away business for game developers. Though the real world is attempting to recognize in-game property rights to provide relief, some may think that it is not a viable solution. As this paper demonstrates, parties face major obstacles in the real world, attempting to resolve in-game disputes. Thus, a two-tiered justice system has been proposed here—the In-Game Justice System (IGJ) and the Real World Justice System (RWJ)—to provide a potential means of resolving in-game disputes using various real world theories of law and judicial proceedings. More importantly, real world courts would now be sought as a venue of last resort only if the aggrieved players have Pierced the Virtual Veil (PVV). This proposal intends to provide justice and relief to victims of virtual worlds, and hopefully a means towards understanding the interplay between the virtual and the real worlds.

Electronic State Sovereignty

--Georgios I Zekos

The paper aims at investigating the fact that cyberspace has affected state sovereignty with the creation of electronic state sovereignty. In instances where the state has to take control of such electronic state sovereignty, it creates problems of conflict with other states' electronic sovereignty, in case of intrusion. Cyberspace is a network, which grew, suddenly, into a global network of networks, challenging the State's capacity to govern. The State, with its exclusive sovereign powers, finds the electronic way to monitor closely and legally the developments in cyberspace, and intervenes in the case of non-compliance with the principles of human rights or public policy matters. The State, as a regulator, constitutes a system of rules that are intended to resolve the conflicting interests for the protection of rights or policy objectives through the legal system. The paper further considers that present regulations of electronic transactions show that states regard cyberspace sovereignty as part of their own sovereignty, since electronic actions affect their own territory.

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Spamming: Trespass or Nuisance?

--Tarun Jain

E-mail has become a popular means of soliciting business—especially with the cost involved being minimal—as a medium to promote undesirable and obnoxious practices amongst targeted sections or public at large. All these unwarranted and unsolicited transactions received by e-mail account holders are collectively referred to as spam e-mail, or simply spam, and this process of sending and receiving spam is called `spamming'. To tackle this menace of spamming, various steps were implemented at the industrial and legislative levels. While the practical solutions were quite similar across different geographical boundaries, the legislations brought forth differed substantially in spirit. This paper traces the attempts made in different jurisdictions to curb spamming.

Finality Rules Within the Law of Domestic Large Value Renminbi Electronic Funds Transfers in China

--Wen Li

Global Executive Summaries

  • Geo-Identification and the Internet: A New Challenge for Australia's Internet Regulation
    Full text: https://elaw.murdoch.edu.au/issues/2007
    /2/Elaw_geoidentification_internet.pdf
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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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