* For information on to generate free adware and spyware blockerstore and is free adware and spyware blockeronly in Decru. It must be at such as online banking system location ie in and you may have already the use of hardware solutions. In modern systems that the status of key server is realized only in Decru. The more icons you can be meaningful use of smart cards as an active.
for details:
"Computer security threads",edit by sssgf3lk453fd,
http://blogs.thesquall.com/computersecuritythreats1/2008/09/08/computer-security-threats-47/
Thursday, September 18, 2008
Why choose ethics,privacy n security?
Why choose ethics,privacy n security?
* The reason why i choose this topic because i think this topic is quite interesting.As we already know,security is very important not only in one's life but also for our favourite gadgets like laptop,handphones n so on.But many of us don't really know how to protect our own gadget n it's really sad right.Having a laptop but don't know how to keep it in a good condition.Because of that,i feel interested to find out a further information related about this topic.Actually,we have several ways to protect our computers.Firstly using antivirus software.When we download data from website,sometimes we actually download file that contains virus.To protect our computer from harm by this virus,we used antivirus software like kaspersky,bitdefender n so on.Second,turn on the firewall in other to protect our computer from online intrusion.Third, have a backup like cd-roms to protect the information n many more..
* The reason why i choose this topic because i think this topic is quite interesting.As we already know,security is very important not only in one's life but also for our favourite gadgets like laptop,handphones n so on.But many of us don't really know how to protect our own gadget n it's really sad right.Having a laptop but don't know how to keep it in a good condition.Because of that,i feel interested to find out a further information related about this topic.Actually,we have several ways to protect our computers.Firstly using antivirus software.When we download data from website,sometimes we actually download file that contains virus.To protect our computer from harm by this virus,we used antivirus software like kaspersky,bitdefender n so on.Second,turn on the firewall in other to protect our computer from online intrusion.Third, have a backup like cd-roms to protect the information n many more..
Identity theft protection
Identity theft protection
1.What can you do to protect your identity?
Some quick and easy things you can do for identity theft protection are:
* Check your credit reports from all three credit bureaus
* Opt out of unsolicited credit card offers
* Put fraud alerts on your credit report
* Buy a shredder and use it
A good solution for many people is to hire professionals to protect their identities. There are many identity theft protection plans to choose from. The best ones give you a guarantee of full-service help if your identity is stolen.
2.Here’s Why I Have Identity Protection
Identity theft has finally started getting the attention it’s been begging for. As people become more aware of this crime, they’ve brought pressure on politicians and the credit reporting agencies to make changes. In the past, every state had their own laws regulating security freezes. On November 1, 2007, everyone can put a security freeze [...]
Read the story »
for details:
Identity 'Protector',"Here's why i have identity protector?,What can you do to protect your identity",
1.What can you do to protect your identity?
Some quick and easy things you can do for identity theft protection are:
* Check your credit reports from all three credit bureaus
* Opt out of unsolicited credit card offers
* Put fraud alerts on your credit report
* Buy a shredder and use it
A good solution for many people is to hire professionals to protect their identities. There are many identity theft protection plans to choose from. The best ones give you a guarantee of full-service help if your identity is stolen.
2.Here’s Why I Have Identity Protection
Identity theft has finally started getting the attention it’s been begging for. As people become more aware of this crime, they’ve brought pressure on politicians and the credit reporting agencies to make changes. In the past, every state had their own laws regulating security freezes. On November 1, 2007, everyone can put a security freeze [...]
Read the story »
for details:
Identity 'Protector',"Here's why i have identity protector?,What can you do to protect your identity",
Preventing computer security attacks
Preventing computer security attacks
* In attempting to protect yourself, you should block not only spyware, but adware and malware, which are similar programs, as well. Online adware and spyware blocker programs are easily available to help in this endeavor. By not only eliminating the current infiltration programs on a computer system, but by preventing any future ones to be unknowingly installed, these blockers live up to their name. Both the individual programs and the computer itself can experience a drastic decline in speed after the computer has been infected with these programs.
for further details :
"Preventing computer security attacks",Tech News,
* In attempting to protect yourself, you should block not only spyware, but adware and malware, which are similar programs, as well. Online adware and spyware blocker programs are easily available to help in this endeavor. By not only eliminating the current infiltration programs on a computer system, but by preventing any future ones to be unknowingly installed, these blockers live up to their name. Both the individual programs and the computer itself can experience a drastic decline in speed after the computer has been infected with these programs.
for further details :
"Preventing computer security attacks",Tech News,
Sunday, September 14, 2008
SuMmaRiZe
As we already know, E -commerce is the selling and buying of goods and services over the network and it can be conducted on the Web or on other network. It is divided into the following major types:
business to consumer, business to business,
consumer to consumer, business to employee and government to citizen.
E-commerce offers many benefits to organization, consumer and also society.
In everyday life, we are dealing with a lot of things to be done. However the emergence of E-commerce can be an advantage for us in completed all of the task. For example, we do not have to go to any of storefront to buy things or what so ever. Instead, we can just sit down in front of our PC and surfing over the Web without any limitation time or restriction.
Furthermore, we are able to have the opportunity to reduce our costs.
The E-commerce makes it easy and convenient to shop around for product and services that may be more cheaper and variety. In E-commerce also, we can have an electronic payment via the Web. By just clicking the ‘pay’ button we are like already sent our payment. For example, like paying Astro bill, electric current bill or telephone bill. These following factors are the main reason why im choosing this topic.
In nutshell, E-commerce is very crucial in our everyday life. The combination of the Web interface and the Internet extension of computer networking have opened new opportunity for E-commerce.
In future, my suggestion companies doing E-commerce, must taken step to reassure consumer that their transaction will be secure and their privacy will be respected. If that happen, I sure that E-commerce will be more successful from now….
business to consumer, business to business,
consumer to consumer, business to employee and government to citizen.
E-commerce offers many benefits to organization, consumer and also society.
In everyday life, we are dealing with a lot of things to be done. However the emergence of E-commerce can be an advantage for us in completed all of the task. For example, we do not have to go to any of storefront to buy things or what so ever. Instead, we can just sit down in front of our PC and surfing over the Web without any limitation time or restriction.
Furthermore, we are able to have the opportunity to reduce our costs.
The E-commerce makes it easy and convenient to shop around for product and services that may be more cheaper and variety. In E-commerce also, we can have an electronic payment via the Web. By just clicking the ‘pay’ button we are like already sent our payment. For example, like paying Astro bill, electric current bill or telephone bill. These following factors are the main reason why im choosing this topic.
In nutshell, E-commerce is very crucial in our everyday life. The combination of the Web interface and the Internet extension of computer networking have opened new opportunity for E-commerce.
In future, my suggestion companies doing E-commerce, must taken step to reassure consumer that their transaction will be secure and their privacy will be respected. If that happen, I sure that E-commerce will be more successful from now….
Comparative evaluation of electronic payment systems
Comparative evaluation of electronic payment systems
In Business to Consumer, B2C, electronic commerce, it is necessary for the merchant to reduce the risk of non-payment by the customer by processing the payment interactively while processing the customer's order. In Business to Business, B2B, e-commerce there is also a rapidly growing interest in processing payments online. Depending on the customer's choice of payment method, this can be done by validating the customer's credit card number or bank checking account number or by clearing digital cash through the issuer of the cash.
Electronic payment systems securely process such payments and can be implemented by merchants themselves on their own web servers or alternatively, they can be provided to merchants by third party e-payment service providers. This paper describes the mode of operation of a broad range of e-payment systems available today in order to provide a comparative evaluation of their advantages and disadvantages. The analysis is presented in terms of the features of each system and discusses the advantages and disadvantages to the customer, the merchant, the e-- payment service provider and the financial institution. This paper updates earlier work on this topic, e.g. [1], [2], [3].
2. ELECTRONIC PAYMENT SYSTEMS
In this section we analyse how payments are processed when a customer visits a merchant's web site and needs to make an electronic payment. Some merchants process the payment on their own web servers, whereas other merchants outsource this function to an electronic payment service provider in order to avoid the security concerns and the additional software, which is necessary in order to process the payments themselves. Outsourcing of information systems functions is part of the trend towards increased use of Application Service Providers, ASPs. Payment processing is an application that an ASP can provide to its customers, which can include both large and small companies. E-payment service providers charge a cost to the merchant, which depends on the number of transactions and is typically a few tens of dollars for a few thousand transactions per month.
There are four advantages to the merchants in outsourcing this function to an electronic payment service provider.
* The merchant does not need to obtain "merchant status" with credit card companies, which can be a costly procedure for small merchants. Instead credit card companies accept the service provider's "merchant status".
* The service provider typically has redundant web servers, redundant power supplies and redundant internet access so that if one unit fails, the backup comes into operation automatically.
* An e-payment service provider can handle focused loads on its web site caused by the merchant running promotional campaigns. The merchants own web server may not be able to handle a large sudden load of customers, whereas an e-payment service provider has a more powerful server, which is capable of handling many customers, from many merchants.
* The cryptography can be handled by hardware acceleration on these large servers, whereas on a regular web server, using software consumes significant processor power.
In Business to Consumer, B2C, electronic commerce, it is necessary for the merchant to reduce the risk of non-payment by the customer by processing the payment interactively while processing the customer's order. In Business to Business, B2B, e-commerce there is also a rapidly growing interest in processing payments online. Depending on the customer's choice of payment method, this can be done by validating the customer's credit card number or bank checking account number or by clearing digital cash through the issuer of the cash.
Electronic payment systems securely process such payments and can be implemented by merchants themselves on their own web servers or alternatively, they can be provided to merchants by third party e-payment service providers. This paper describes the mode of operation of a broad range of e-payment systems available today in order to provide a comparative evaluation of their advantages and disadvantages. The analysis is presented in terms of the features of each system and discusses the advantages and disadvantages to the customer, the merchant, the e-- payment service provider and the financial institution. This paper updates earlier work on this topic, e.g. [1], [2], [3].
2. ELECTRONIC PAYMENT SYSTEMS
In this section we analyse how payments are processed when a customer visits a merchant's web site and needs to make an electronic payment. Some merchants process the payment on their own web servers, whereas other merchants outsource this function to an electronic payment service provider in order to avoid the security concerns and the additional software, which is necessary in order to process the payments themselves. Outsourcing of information systems functions is part of the trend towards increased use of Application Service Providers, ASPs. Payment processing is an application that an ASP can provide to its customers, which can include both large and small companies. E-payment service providers charge a cost to the merchant, which depends on the number of transactions and is typically a few tens of dollars for a few thousand transactions per month.
There are four advantages to the merchants in outsourcing this function to an electronic payment service provider.
* The merchant does not need to obtain "merchant status" with credit card companies, which can be a costly procedure for small merchants. Instead credit card companies accept the service provider's "merchant status".
* The service provider typically has redundant web servers, redundant power supplies and redundant internet access so that if one unit fails, the backup comes into operation automatically.
* An e-payment service provider can handle focused loads on its web site caused by the merchant running promotional campaigns. The merchants own web server may not be able to handle a large sudden load of customers, whereas an e-payment service provider has a more powerful server, which is capable of handling many customers, from many merchants.
* The cryptography can be handled by hardware acceleration on these large servers, whereas on a regular web server, using software consumes significant processor power.
Electronic Payment Systems Can Generate Annual Savings.
Electronic Payment Systems Can Generate Annual Savings.
Electronic-based payment systems can generate annual savings of up to one percent of the gross domestic product (GDP), Bank Negara Malaysia's governor Tan Sri Dr Zeti Akhtar Aziz said Tuesday.
Research showed that electronic-based payment systems could become a catalyst for promoting increased consumption spending while enhancing financial services to the unbanked communities, Zeti said.
"This not only promotes, for instance, the opening of bank accounts among the target group. It also enables them to enjoy a lower cost of financial services and a better means of saving, thus benefiting the economy as a whole," she said in at the opening of Mobile Digital Signature Symposium 2008 here.
The half-day symposium was organised by the Malaysian Communications and Multimedia Commission (MCMC) and themed "Building an Interoperable Platform with a Common Digital Identity for Secure Mobile Transactions in Malaysia".
Zeti said as electronic payment channels become more easily accessible, user-friendly and cheaper, it provided an opportunity to shift the remittance flow from informal to formal channels.
"Being a strategic tool to achieve higher economic growth, electronic payment increases operational efficiency and productivity levels through expedient payments and receipts of funds," she said.
"Accelerating the country's migration to electronic payments has therefore become a part of Malaysia's larger national agenda to increase the efficiency of payment systems and ultimately help improve the competitiveness of the economy."
Cash payments in Malaysia still accounted for a large portion of the number of transactions in the economy, but it is expected that this trend will level off in future and stabilise with the increased use of electronic means of payments, Zeti said.
She said credit cards, ATM (automated teller machine) cards and debit cards, including the e-purse application embedded in the MyKad, were among the card payment possibilities in the country.
"The increased use of cards is an international trend and is expected to gain significance in Malaysia. While considerable progress has been made in promoting the adoption of electronic payment with notable growth registered across all electronic payment methods, paper-based payment still remains the most popular form of payment," she added.
According to Zeti, cheques continued to account for a high percentage of the total non-cash retail payments while currency-in-circulation as a percentage of the GDP remained relatively high at 5.7 percent.
Malaysian consumers on the average made only 0.7 transaction via direct debit and credit transfer and 0.2 transaction through debit card transaction in 2006, she said, adding that this contrasted sharply with 84.7 and 109.5 transactions respectively in Sweden.
In this regard, Bank Negara has formulated an electronic payment roadmap aimed at bringing together relevant stakeholders to address the barriers that have impeded its increased adoption in a comprehensive and strategic
manner.
The roadmap, Zeti said, identified the priority areas requiring attention and collaboration to promote an environment conducive for the greater use of electronic payment in financial transactions.
Oman, Fatah. 2008. Electronic Payment Systems Can Generate Annual Savings.Bernama Capital Tree Sdn Bhd. https://www.money3.com.my/MalaysiaFinancialNews/NewsContent.aspx (accessed 03/06/2008).
Electronic-based payment systems can generate annual savings of up to one percent of the gross domestic product (GDP), Bank Negara Malaysia's governor Tan Sri Dr Zeti Akhtar Aziz said Tuesday.
Research showed that electronic-based payment systems could become a catalyst for promoting increased consumption spending while enhancing financial services to the unbanked communities, Zeti said.
"This not only promotes, for instance, the opening of bank accounts among the target group. It also enables them to enjoy a lower cost of financial services and a better means of saving, thus benefiting the economy as a whole," she said in at the opening of Mobile Digital Signature Symposium 2008 here.
The half-day symposium was organised by the Malaysian Communications and Multimedia Commission (MCMC) and themed "Building an Interoperable Platform with a Common Digital Identity for Secure Mobile Transactions in Malaysia".
Zeti said as electronic payment channels become more easily accessible, user-friendly and cheaper, it provided an opportunity to shift the remittance flow from informal to formal channels.
"Being a strategic tool to achieve higher economic growth, electronic payment increases operational efficiency and productivity levels through expedient payments and receipts of funds," she said.
"Accelerating the country's migration to electronic payments has therefore become a part of Malaysia's larger national agenda to increase the efficiency of payment systems and ultimately help improve the competitiveness of the economy."
Cash payments in Malaysia still accounted for a large portion of the number of transactions in the economy, but it is expected that this trend will level off in future and stabilise with the increased use of electronic means of payments, Zeti said.
She said credit cards, ATM (automated teller machine) cards and debit cards, including the e-purse application embedded in the MyKad, were among the card payment possibilities in the country.
"The increased use of cards is an international trend and is expected to gain significance in Malaysia. While considerable progress has been made in promoting the adoption of electronic payment with notable growth registered across all electronic payment methods, paper-based payment still remains the most popular form of payment," she added.
According to Zeti, cheques continued to account for a high percentage of the total non-cash retail payments while currency-in-circulation as a percentage of the GDP remained relatively high at 5.7 percent.
Malaysian consumers on the average made only 0.7 transaction via direct debit and credit transfer and 0.2 transaction through debit card transaction in 2006, she said, adding that this contrasted sharply with 84.7 and 109.5 transactions respectively in Sweden.
In this regard, Bank Negara has formulated an electronic payment roadmap aimed at bringing together relevant stakeholders to address the barriers that have impeded its increased adoption in a comprehensive and strategic
manner.
The roadmap, Zeti said, identified the priority areas requiring attention and collaboration to promote an environment conducive for the greater use of electronic payment in financial transactions.
Oman, Fatah. 2008. Electronic Payment Systems Can Generate Annual Savings.Bernama Capital Tree Sdn Bhd. https://www.money3.com.my/MalaysiaFinancialNews/NewsContent.aspx (accessed 03/06/2008).
Tuesday, September 2, 2008
Future Gadget
ELECTRONIC GADGET
Handphone
- security - thumbprint censor
- speed detector - alarm when speeding
- sms - without typing, it will tell the content of the sms
current spec:
-3G
-camera
-MMS
-Bluetooth
-WLAN/WIFI
-MP3 player
-application; calculator, dictionary, Quran reciter, Games
-colour display
future spec:
-security - thumbprint censor
-GPS system
-temperature censor
-panic alarm
My opinion about IL
During my final semester at CFS,IIUM, one of the core course that I have to learn is Information of Literacy(IL). I actually have no idea about this subject prior getting into the class. However after several classes, I found that this subject has provided me a lot of information on the current global technology in IT. Thanks to Mdm Ayu Rafikah who has kept her student becoming more interested and understood about the technology needs in he present life.
Since the technology has grown from time to time, the needs for IT workers has also been mushrooming towards the future. In addition, career in IT has a broad scope which creates more opportunities and job options that IT fresh graduates can choose on. This includes programming, data analyst, web designing and others.
Ok, back to the IL class =) The good thing about this class is it will be very useful for the students in their future career. This class has given a good and precise preview on the IT usage and application. Organizing networking and data analyzing are the main subjects that can be applied in the IT career. Therefore, this class is very crucial towards my need. I'm so glad that I choose IT for my tertiary education and career path for its bright future ahead.
Since the technology has grown from time to time, the needs for IT workers has also been mushrooming towards the future. In addition, career in IT has a broad scope which creates more opportunities and job options that IT fresh graduates can choose on. This includes programming, data analyst, web designing and others.
Ok, back to the IL class =) The good thing about this class is it will be very useful for the students in their future career. This class has given a good and precise preview on the IT usage and application. Organizing networking and data analyzing are the main subjects that can be applied in the IT career. Therefore, this class is very crucial towards my need. I'm so glad that I choose IT for my tertiary education and career path for its bright future ahead.
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