How to Safeguard Our Personal and Financial Data？

Most of the people will use computers and internet to run their daily activities such as business, internet surfing, internet searching, blogging and so on. However, people may lost out of their information or hacking by hackers during they used the internet. Thus, today we will explain few ways that can safeguard our personal information and financial data from being lost.

Password protect
Usernames and passwords are used to ensure security. Longer passwords provide greater security than shorter ones. Once you select a password, change it frequently. Do not disclose it to anyone.

Install a firewall
Firewall is a software program designed to allow good people in and keep bad people out. Most new computers come with firewalls integrated into their operating systems. If you have an older computer or using dial-up, you may need to buy a firewall separately and install it yourself.
Using biometric device
Biometric devices grant access to programs, computers, or rooms using computer analysis of some biometric identifier. Biometric devices are gaining popularity as a security precaution because they are a virtually foolproof method of identification and authentication.

Install and update antispyware and antivirus programs
Install an antivirus program such as Symantec and Norton antivirus, AVG antivirus or other more in order to protect yourself against viruses and Trojan horses that may steal or modify the data on your own computer . In order for the well protection, you must must sure to keep your virus definitions up to date.

Using encryption techniques
To protect information on the Internet and networks, individuals may use a variety of encrytion techniques to keep data secure and private. Encryption is a process of converting readable data into unreadable characters to prevent unauthorized access.

The threat of online security: How safe is our data?

Nowadays, the technology at internet is continue grow rapidly, so that everyone also can easily to access to the internet. Many people rely on computers to create, store and manage critical information. Most of the companies already used the internet to do their business transaction or sharing the important information. However, the increasingly developed technologies sarcastically increase the risk every computer user faced. Consequently, it is important for users to aware that computer security plays a major role in protecting their data from loss, damage, and misuse. Security has three main concepts: confidentiality, integrity, and availability. Confidentiality allows only authorized parties to read protected information. Integrity ensures data remains as is from the sender to the receiver. Availability ensures you have access and are authorized to resources.


The followings are some of the potential security threats that can be found.

Computer Virus

is the most common of threat is in form of malicious code which is computer virus. It’s a program or a fragment of code that replicates by attaching copies of itself to other programs. There are few main classes of viruses which are file infectors, system or boot-record infectors, macro viruses and multi-part viruses. This type of virus is designed to steal information from your computer without your knowledge.

Online Fraud

is a broad term covering internet transactions that involve falsified information. Some of the most common forms of online fraud are the sale via internet of counterfeit documents, such as fake IDs, diplomas and recommendation letters sold as credential: offers easy money such as work at-home offers that claim to earn individual thousands of dollars got trivial tasks; prank calls, in which dial-up connection lead to expensive long distance charges; and charity facades, where donation are solicited for phony cause.


Accidental Action

Accidental actions contribute to a large number of computer security risks. This category encompasses problems arising from basic lack of knowledge about online security concepts and includes issues suck as poor password choices, accidental or erroneous business transaction, accidental disclosure, and erroneous or outdated software. Related problems occur as a result of misconfigured security products and information leakage resulting from insecure information transfers. Education and prudence should be considered key defenses in limiting the frequency and extent of such events, since this from of cyber vulnerability is largely self-inflicted and avoidable.

In conclusion, risk exposed by computer users is increasing with the increasing developed technology. Therefore, safeguards developed must be always up to date to enhance the defenses against online security threats. In the same time, users must be educated and informed about the crucial damages and loss caused by imposing online security threats.

Revenue Model for Google.com, Amazon.com, e-Bay.com

Revenue model describes as using different kinds of technique in generating from the publisher’s websites. Revenue model can be divides into 5 different kinds of techniques, there are:

Sales: Its include sales of goods, services and also merchandise information that provide in the publisher’s website.

Transaction fees: Company will earn commission from every transaction that have been made or based on the volume of transactions that conduct in the website.

Advertising fees: Publishers would allocate advertisements spaces in their website to let other company to place their advertisement and receive the fees from that company.

Subscription fees: This would charge to the customers who would like to subscribe to contents or services that provided by the website on a monthly or yearly basis.

Affiliate fees: Commissions will be received by company for referring customers to others web sites. It includes CPM (cost per thousand impressions), CPC (cost per click) or CPA (cost per acquisition/action).

Next, we would like to introduce the revenue model of the 3 popular websites which provide e-commerce services. There are Google.Com, Amazon.Com, and eBay.com.

Google’s Revenue Model
The main income of Google.com is generated by the advertising revenue model. Google advertising revenue model includes Google AdWords, Google AdSense and Froogle.Google AdWords is a pay per click advertising program of Google designed to allow the advertisers to present advertisement to people are looking for information related to what the advertiser has to offer. When a user searches Google search engine, ads for relevant words would shown on the screen. Google generate most of the revenue from Google AdWords.
Google AdSense is an ad serving program. Website owners can enroll in this program to enable text, image and, video advertisements on their sites. Mostly the revenue is generated on a per-click or per-thousand-ads-displayed basis and the ads administered by Google.
Froogle is a price engine website launched by Google Inc. It is a service from Google that makes it easy to find information about products for sale online. Advertising space is available for purchases to be displayed in Froogle in the form of an AdWords ad.Currently, Google is testing a new advertising program that pays site owners based on a Cost-Per-Click model, called Cost-Per-Action. It was revealed via an invitation e-mail from Google AdSense team to Web site owners.

Amazon.com Revenue Model
Another e-market web site is Amazon.com which was one of the first major companies to sell goods through the Internet. Amazon generates revenue primarily on selling books, videos, electronics, and kitchen equipment on domestic and international Web sites.
Product Ads is an advertising program that puts products in front of millions of Amazon.com customers. Seller can simply upload their product catalog and set the cost-per-click bids and daily budget. Amazon will then display the ads in highly targeted placements throughout the Amazon.com site. When customers are interested in buying such product, they click through to the website and purchase the product directly from the company.Amazon Marketplace is Amazon.com’s fixed price online marketplace that allows sellers to offer their goods alongside Amazon’s offerings. Buyers can buy items which sold directly by third party through Amazon.com Marketplace. Amazon.com would charges on a commission rate based on the selling price of products or services, transaction fees, and also variable closing fees which this sales strategy and program has give profitable income for Amazon.com.
Besides, Amazon.com also generates their revenue by using Affiliate revenue model. AStore is Amazon.com affiliated product which website owners can use to create an online store on their site. The store does not allow website owners to sell their own products directly to customers. Website owners pick products from Amazon’s store and earn referral fees on the products purchased by their readers. The fee structure is currently the same as for the other affiliate links.

Ebay Revenue Model
Ebay is an online auction and shopping website in which people buy and sell goods and services worldwide. Millions of items bought and sold daily through this website and EBay normally generates revenue from a number of fees which are insertion fees, promotional fees, and final value fees.Insertion fees will be charged when an item listed on Ebay.com and this fee is nonrefundable. However promotional fees is the fees that charged for additional listing options that help to attract attention for the item. While final value fees is the commission that charged to the seller at the end of the auction.

Example of an E-Commerce Failure and Its Causes

An example of ecommerce failure is Nike shoe company. Nike's move to switch to flash for its e-commerce site is a break from traditional methods, with most companies relying on the more straightforward HTML, AdWeek writes. R/GA explained that by switching to flash, Nike is able to improve both user experience and the purchase process by adding a persistent shopping cart, which wouldn't be possible with standard html.

The Flash-based NikeStore.com will replace the seven-year-old NikeTown.com and will carry the same 30,000 pieces of apparel and footwear items as its predecessor.

Forrester Research analyst Peter Kim pointed to increased adoption of broadband and 97 percent consumer penetration rate of Flash in rationalizing the move. "If you tried to do this back in 2000, you'd be dead in the water," he noted to AdWeek. However, in recent years, failing to handle the orders flushed into its website, the company totally lost track of thousands of orders or failed to deliver them on time. The federal commission fined Nike $350000.

The causes of the e-commerce failure-I think part of the problem is when the big company jump into the e-commerce system, they forget some common factors that will affect their company during the holidays. Shipping product takes man power and during the holiday season, it tends to slow the process down simply by the sheer volume of orders of the mail service industry receives in that short period of time. Frankly, not all the companies have the capitol to invest in such a large expansion, if they are going into the e-commerce industry, they can't afford not to put in that investment.

Another failure causes is delivery the stock to customer is not on time. As we should know that, getting customer to the site is one thing, while delivering is another thing. Bricks and mortar retailers have no such problems. Failure to deliver the ordered stock on time to customers and displeased the consumer

Example of an E-Commerce Success and its Causes

Example of an eCommerce success and its causes

E-commerce describes the process of buying, selling, transferring, or exchanging products, services, or information via computer networks. Nowadays, e commerce became more and more crucial in organization, society or even customers. Everyone owns at least one computer at home and online transaction become a popular activity that bring our lives toward e-world. eBay is the example.



Almost everyone who has made a transaction on the Internet has used this global online marketplace that trades just about everything, either for the sale itself or to compare prices. Anything may be offered for sale as long as it is not illegal and does not violate the eBay Prohibited and Restricted Items policy. It had successful it business by enrolled it in this field with good strategic planning. Hence, it leads to this business to a long term growth.


There are several factors cause the successful of eBay as below:-



Variety of goods and services

First of all, eBay offers variety of goods and services. Since eBay is the world’s largest online trading community, it provides a wide range, different category of sales items which consist of collectibles, decor, appliances, computers, furnishings, equipment, vehicles, and other miscellaneous items Besides, it also allows people to connect and share very early childhood memories such as collecting stamps, coins, toy and etc. Moreover, the services provided by eBay include education, e-payment, restaurant and auctions.


Security and trustworthiness

Trust and confidence is one of the most important elements contributing to e-commerce success in eBay. eBay creates an environment of trust and safety that will allow the users to come back after sales. eBay have a strong security to protect the seller and buyer confidential private about their account and password by the federal government such as paypal security key, OnGuard Online and etc. It is make customer more confidence and rely to their product and service. Therefore, all sellers who might start the business in eBay website should have the license follow with the law in their country. It will be make buyer more comfortable and trusty about the seller product during the auction bid started.



Easy and convenient navigation
Last but not least, to creation of eBay homepage make life simply as it provide easy navigation. eBay designs homepage that ease the customers by providing different categories of products as well as new products recommendation. Users just need to select their items purchases, simply clicking on the product, the design of the webpage will bring customer to other sites of the products. Users’ friendly webpage allows customers to view on details and explanation on the products before making purchases.

History and Evolution of E-Commerce

HISTORY OF E-COMMERCE

E-commerce can be defined as the action of selling, buying, transferring or exchanging goods, visuals and services using the Internet. The history of ecommerce dates back to the invention of the very old notion of “sell and buy”, electricity, cables, computers, modems, and the Internet. Originally, electronic commerce meant the facilitation of commercial transactions electronically, using technology such as Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT) which both introduced in 1970s, its allowed businesses to send commercial document like purchase order or invoices electronically. Thousands of businesses have taken up residence at web sites since the e-commerce existed.

EVOLUTION OF E-COMMERCE

E-commerce had been grown to be multi billion industry through out the year.

1984
Electronic data interchange (EDI) was standardized through ASC X12. This guaranteed that companies would able to complete transactions with one another reliably. For example, it allowed business companies and organization send commercial documentation electronically.

1992
In this year, many online retail products were introduced to customer by Compuserve This gives people the first chance to buy things off their computer. Customer can choose and buy based on their preference in Compuserve website: http://webcenters.netscape.compuserve.com/menu/default.jsp

1994
Netscape browser arrived. Netscape allowed users a to surf the Internet and a safe online transaction technology called Secure Sockets Layer. As the time goes on, the browser is upgrading until Nescape Navigator 9 which provide more function to users.

1995
When we talk about e-commerce, we can’t miss up Amazon.com and also eBay.com. The founding father of e-commerce was launched Amazon.com and eBay.com in this year. This two website provides us a lot of thing such as books, cloth, glossary and so on. Besides that, it allows users to bid for the product they need.

1998
DSL, or Digital Subscriber Line, provides fast, always-on Internet service to subscribers across California. This prompts people to spend more time, and money, online.

1999
From the research according to Business.com, retail spending over the Internet reaches $20 billion..

2000
The extended of moratorium on Internet taxes by the U.S government until at least 2005.


Here the video of the evolution of ecommerce:



http://www.youtube.com/watch?v=LW4X3b_j0eE

About ME----->WAI ANN

Hello:

I am Wong Wai Ann currently study at UTAR Sg. Long and taking Bachelor of Commerce (hons) Accounting Year 3 sem 1. With blink of an eye, I had already past 3 year plus in UTAR and stay in KL as well. Still can remember well the day before I moving to KL, I felt very excited and nervous. I am not local people, my hometown is one of the tourist place which had a lot of sand and water so called PORT DICKSON. Every weekend there will be full of people hanging around at the beach there. Besides that, seafood at Port Dickson also very delicious and famous especially the CRAB. Wow.. Yummy Yummy.

Let’s talk about my hobbies. I like to play basketball, computer game, futsal, swimming, play guitar and so on. When I got free time I will go play basketball with friends. Peoples always said that, play basketball will make u become more tall and tall but how come I played so long still so short. T.T


Top 5 website I visited ：
1.http://facebook.com/
This website I almost visited everyday. It is one of the most bigger and famous website. This website can help us make a lot of friend. Besides that, when we feel very stress in doing assignment there will be some game can help us reduce stress. If you don’t have account at facebook please creates one or else you will be outdated.

2.http://youtube.com/
I will be search for some funny video from here. Sometime will looking for mtv and so on.

3.http://hotmail.com/
I will checking mail through this website.

4.http://wikipedia.com/
This website provides me a lot of information. It helps me a lot in my assignment.

5.http://chinapress.com.my/
If I dint buy newspaper, I will surf this website to know what happen in this world.

Top 5 internet activities:
1.chatting with friends using MSN
2.download song and movie
3.biding in lelong.com.my
4.play online game
5.searching for the lyrics of songs


Tat’s all my introduction. Thank you…………… :)

About Me

Hi everyone!!

My name is Mok Tsuey Loong and i'm from Port Dickson, where a place with nothing but a lot of waters and sands. Well, I am just a normal person yet a bit complicated. People in 1st impression for me are funny? Cool? May be! This is because I seldom talk to stranger but when I talk I love to talk craps.
Swimming, playing badminton and futsal will be the sports that I love the most. Besides, surfing internet, listening to song and chit-chatting through msn are the activities that I almost did it everyday. I can spend my whole day by just sitting in front of my PC. I’m kind of person that can't survive without my “darling”- desktop.


The top 5 website I visited the most:

• (www.facebook.com)FACEBOOK- one of the most popular website nowadays. Where allow me to communicate with friends not only in Malaysia but also in the global world. We can update friend’s latest stories by looking their recent picture they uploaded or the recent news they posted. It also includes a lot of applications and interesting games.
• (http://www.hotmail.com/) HOTMAIL- allows me to check my mails on daily basis. I enjoy checking mails, because there are a lot of emails which are meaningful, and funny.
• (http://www.youtube.com/)YOUTUBE- to watch videos such as mtv, funny short video and creative advertisements.
• (http://www.friendster.com/) FRIENDSTER- allow me to make friends and up check out my friend’s latest photos in it
• (http://www.soccernet.com/)SOCCERNET- allows me to update all the latest football news and also information because I am a football fans.

The top 5 internet activities:
• Chatting with my friends via MSN
• Playing online game
• Searching for new songs in the internet as well as the lyrics
• Searching for latest news and information needed
• Downloading movie and song


THE END

About Mun Kien

My name is Wong Mun Kien. I am from ipoh, Perak.Recently, I study at utar, sungai long campus, and the course I am taking is the Bachelor of Commerce (hons)Accounting. My hobbies is swimming and jogging.The important of exercise is it able to help me to release the stress ,meanwhile it’s also help to maintain health.


The top 5 websites I visited the most are Google,Yahoo, Wikipedia,Friendster and Youtube. I will access to the Google or Yahoo website searching useful information for assignment and other purposes.By the ways, I can save time and cost when searching the information from the website. Some websites such as friendster and MSN messenger are playing the important role of part of entertainment to me . It is useful when I manage to meet and communicate with more friends who come from other country, and it is possible for me to keep contact with my old friends as well. I am gaining many benefits by visiting following websites.
http://www.google.com/
http://www.yahoo.com/
http://www.wikipedia.com/
http://www.friendster.com/
http://www.youtube.com/


The top 5 internet activities :I will enter into hotmail, yahoo mail to check my mail, to see whether any important mail. Messenger like MSN is one of my top internet activities and sometimes it help me save money by not sending sms to them.It help save cost,faster, convenient and no matter my friends live at.Furthermore, I assess to baidu website to download favourite songs or searching for latest album.

My Introduction....Mr. Lim Kok Wei

I am Kok Wei, from BAC Y3S1,G13...Well i think more than 10 years i didn't write introduction of myself. Last time i wrote my introduction maybe only 150 words(primary school), but that's 10 years ago...After 10 years, there were a lot of things had changed and a lot of experience i gained in these 10 years. Well, let me simply introduce myself...

I am a Sabahan, borned in my lovely town, Tawau and had my 12 years in my hometown, Semporna. Maybe need to specify something...Semporna is under area of Tawau. I finished my primary school life at Semporna and then move to Tawau to continue my secondary school life. When i was holiday i will back to my hometown and look after my father's business. In my 18th year, I came to Kl for further study in Utar. I remembered got a friend ask me that question.."Are Sabahan live on the tree?" Why? Why only said Sabahan live on tree but didn't ask are Sarawakan live on tree? On that time, i know that what images of my state bring to my friend compare to neighbour state.

Most of my friends said me like a big boss(because of my body size)..so that i was called "Boss" during my secondary school..Even my teachers and principal also knew that there was a student called "Boss". Luckily I came to Kl and no more people called it. hehe....

Erm..i don't have any specify hobbies, but if really want me to list out at least one...maybe watch movie and internet surfing. Sometimes it's quite boring but i really can't find out what i more interesting things to do..maybe call out my friends to have a tea or play mahjong at night. I am a pro master in mahjong. Play mahjong not only depends on luck but also your skills, it needs your knowledge and intelligence. So play mahjong is quite a healthy activities but don't play too much.

When i am free, mostly will surf internet and the most websites i visited are

www.facebook.com

http://www.friendster.com/

http://www.msn.com/

www.utar.edu.my

www.Chinapress.com.my

I like to visit Facebook and friendster because all my friends' networks are here and i can get the latest news of them through these website. Furthermore, i also can make some new friends through these 2 websites. Sometimes, i would go to newspaper website like Chinapress.com and Berita Harian website to see the Malaysia news and international news. Because don't want waste money to buy newspaper and I can get free English newspaper every morning at Utar there. But sometimes also will buy when i was lazy to surf internet. When doing assignments, most of my time will sit in front of computer and search info from the net. Its was the difficult time to pass because have to look all info that maybe useful. While sometimes i will also go to search movies and dramas to download it.

Finally, i think i wrote more than 700 words already and i would stop here first for my intro. Next time i post, will be all related to the assignment works. Haha.