...information transmitted digitally and to reduce the amount of paperwork. In this paper, the Fair Credit Reporting Act of 1970 and the Do Not Call Implementation Act of 2003 will be highlighted. The ethical issues surrounding the creation of these acts due to the advances in information technology that let to these acts will be highlighted. Fair Credit Reporting Act, 1970 Due to our ability to house and store and control vast amounts of data with our computers, manipulate large amounts, there lies both social ethical implications with the use of these said computers. It is very easy to experience many right or wrong methods in using computers to access data and what can possibly be done with this information to use to our advantage. Cyber-crimes are committed every ten seconds and in order to combat it and to protect ourselves from it, laws, acts and amendments must be created and regulated by Congress to protect consumer’s rights. We make ourselves vulnerable on a daily basis to identity theft. Our privacy can be invaded very easily and is an extremely fast growing crime that leads to ruined credit, a lot of pain and requires years of hard work to repair it. Because computers are able to store huge amounts of information, the wrong person can gain access and use this information to make fraudulent purchases or gain loans deceptively. Just think about how vulnerable we become when we...
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...academic essays. The system embeds comments into your paper and suggests possible changes in grammar and style. Please evaluate each comment carefully to ensure that the suggested change is appropriate for your paper, but remember that your instructor's preferences for style and format prevail. You will also need to review your own citations and references since WritePoint capability in this area is limited. NOTE: WritePoint comments are computer-generated writing and grammar suggestions inviting the consideration and analysis of the writer; they are not infallible statements of right/wrong, and they should not be used as grading elements. Also, at present, WritePoint cannot detect quotations or block-quotes, so comments in those areas should be ignored. Please see the other helpful writing resources in the Tutorials and Guides section of the Center for Writing Excellence. Thank you for using WritePoint. Although many Americans may believe that marketing credit cards to college students on campus is setting the student up for financial suicide. There are ["There are" is an awkward phrase if "there" is not clearly a location] many advantages to students whom obtain them. I. Obtaining credit cards helps students build credit. A. Your [Eliminate second person (you, your) in academic documents and avoid addressing the reader directly. Use third-person pronouns (he, she, it, they)] college...
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...How do you feel about your pizza delivery person knowing your personal information Would you order pizza from this restaurant? nowadays most people ordering food or other stuff by using Internet . in this process they provide personal information like Address , Phone number and credit card detail . because of hacking and other stuff their is possible way that our personal information will be leaked and can be use by criminal or for crime. and pizza is the product that most people ordering from home and give personal detail , so chances of misleading personal information. and that arise question on personal security. so to avoid this my suggestion is to visit near by shop or restaurant and buy require stuff. Is the way this pizza shop is using information ethical or unethical? Personal information about me and my health related information is the business of me and my doctor or healthcare server. Same goes with my credit information and my banking transaction or online purchases.The way this pizza shop is handling personal information can lead to information security breaches anytime and is unethical. Information security breaches may cause real harm and distress to the individuals they affect such as serious embarrassment or inconvenience, identity fraud, lives may even be put at risk. Even if privacy is not in itself a fundamental right, it is necessary to protect other fundamental rights. 3) What role does information security play in this scenario? Information Security...
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...product the demand for that product will increase. In the case of the Subway people didn’t purchase the product during weekends because it might have been expensive. 2. What does a price represent to the customer? Why is a customer orientation to pricing important? Price is the monetary value of a good or service. It is a measure of what a customer is required to give up in obtaining these goods or services. For an individual, price is a reflection of value. We, as individuals, may tend to pay no more than what we believe the good or service is worth. In the total marketplace, all potential customers evaluate the availability goods and services and therefore establish the demand for each. Value, like beauty, is in the eye of the beholder. When setting price for any good or service, it must involve an analysis of how the market views the value of that product or service. Entrepreneurs must develop a keen sensitivity to the psychological and economic thinking of their customers if they want to be successful. Without being “in tune” to the customer’s psychological and economic motivators and the resultant most likely buying behaviour, it is possible to price the good...
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...helps towards our goal in paying off our student loans. 2. How does what you learned or realized relate to or impact your personal, educational, and career goals? What I learned and realized that education is important. We can’t avoid not having student loans ,but we can try to use as much as grants and scholarship as we can. We also need to keep in mind that we need to learn how to budget ourselves because we don’t want to end up paying high amount of payment every month. We need to save up and use our money wisely for necessities and not material things. When we finish school, we can then apply for jobs that is well in pay and can afford our everyday living. 3. Do you feel prepared to enter student loan repayment and understand how to get started? So far, I’ve been saving up money and putting aside extra income I receive from my paycheck. This also includes any refund I receive from my school and will use it to repay for my student loans. I am aware of how much interest there is to pay for my student loans and I know that I can begin repaying after 6 months I graduate, which is fair enough for me to find a job and get paid enough to pay for my student loan. 4. What money-related questions do you still have? How will you get the answers you need? So far, I don’t have money-related questions but I do know that I can reach and contact my financial advisor for any financial matters regarding my schooling. 5. How will you apply the lessons of this...
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...that their confidential data and financial assets such as Credit-card information; one must implement security measures that will protect the network through a vulnerable wireless connection within the organization, while also providing a security plan that will protect against weak access-control policies within the organization. The first step of protecting against Credit-card information through a vulnerable wireless connection within the organization would be to first protect your wireless broadband from cyber-attacks, which don’t involve any costly measures. One must always remember to lock down the wireless network. By default the password for your panel is often a standard one set-up by the manufacturer (for example ‘admin’). It’s very important that you change this as soon as possible, because it would me that many hackers would already have the password for it. When picking a strong password use a case sensitive combination of alphabets and numbers, six characters and more. Also remember to make it something unique and not the same as something else like your Facebook or Twitter password. Next too consider is the fact that most routers come with a WEP or WPA key built in for good measure, and each router has a different code so there is no need to stress when it comes to this aspect. Since it is all about security I would consider the use of a DMZ at this point. A DMZ is an added firewall that’s placed between your LAN (Local Area Network) and wireless network. It can stop...
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...and condiments. They have expanded their business to three locations, La Jolla, Encinitas and Del Mar. The company was founded by Kathy Kudler in 1998 who strives to enhance and simplify her business needs. It was noted that she is in need of a new accounting system to facilitate the expanding success of her company. This proposal will feature options that will efficiently accommodate these needs. New Accounting System There are six major components of an Accounting Information System (AIS). • Employees • Procedure and Instructions • Data • Software • Information Infrastructure • Internal Controls. Employees The new Accounting Information System will assist all departments to work in unison. Management can establish sales goals so staff will know how much inventory to order, inventory will notify accounting of the new payable and invoice customer, sales can enter the order, warehouse can package order and shipping department can ship it out. The customer service department can track shipping. The AIS is designed to be user friendly and meet all needs. Authorized personnel can access the same system and share the same information. Procedure and Instructions Processing data will be achieved by both manual input and automated in collecting, retrieving and storing data. Procedures and instructions must be followed consistently to be effective. Datastructured query language (SQL) is the choice of processing database. Data The new AIS solely depends on accurate and...
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...and a browser; or a mail server and a mail client (e.g., Outlook). SSL allows sensitive information such as credit card numbers, social security numbers, and login credentials to be transmitted securely. Normally, data sent between browsers and web servers is sent in plain text—leaving you vulnerable to eavesdropping. If an attacker is able to intercept all data being sent between a browser and a web server they can see and use that information. More specifically, SSL is a security protocol. Protocols describe how algorithms should be used; in this case, the SSL protocol determines variables of the encryption for both the link and the data being transmitted. SSL secures millions of peoples’ data on the Internet every day, especially during online transactions or when transmitting confidential information. Internet users have come to associate their online security with the lock icon that comes with an SSL-secured website or green address bar that comes with an extended validation SSL-secured website. SSL-secured websites also begin with https rather than http. All browsers have the capability to interact with secured web servers using the SSL protocol. However, the browser and the server need what is called an SSL Certificate to be able to establish a secure connection. SSL Certificates have a key pair: a public and a private key. These keys work together to establish an encrypted connection. The certificate also contains what is called the “subject,” which is the identity...
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...Internet Privacy Abstract As more and more people continue to use the Internet and disclose their personal information, privacy concerns are paramount. Marketing companies are fiercely competing for their share of the booming e-commerce industry estimated at 75 billion dollars in 2010. Government agencies after 9/11 are using personal communications such as e-mail and social networking sites to scrutinize and evaluate potential threats to the United States. Legislation including the Patriot Act has empowered a new generation of public officials with information gathering capabilities on demand. In some cases a court order is not needed to inspect all of a person’s electronic communications. Exploitation of highly sensitive personal information is a reality as companies routinely sell this information to third parties without an individual’s consent. Opting out is a disclaimer written into privacy statements on websites that are often buried in the fine print. Many Americans assume that privacy is included in the operating system they purchase. It is the collating of personal information from multiple data sources on the Internet that remains a key point of contention among those who view privacy as fundamental American right implicit in the Constitution. In this sense, privacy is deeply personal to the dignity and respect of our society. Yet, the relevance of security issues must seek a balance and address the notion of the possibility of abuse. One significant...
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...can be encountered over the net are spam, fraud, cyber terrorism and so on. Whether for individuals, companies or governments, cybercrime has become a big problem. Spam is defined as unsolicited junk e-mail. It is used by chain mailers, forger and some others who selling dubious products. “The Federal Trade Commission (FTC) has identified 12 types of scams that are most likely to arrive in consumers’ e-mail boxes. The “dirty dozen” are: business opportunities, bulk e-mail, work at home schemes, health and diet scams, effortless income, free goods, investment opportunities, cable descrambler kits, guaranteed loans or credit on easy terms, credit repair, and vacation prize promotions”(Phommalinh). Meanwhile, the most common type of cybercrimes occurred in spam is virus which spread by e-mails. When one receive an e-mail with a virus, the default settings of your computer do not have any action required to resist virus. At that point, virus can follow instructions and does anything whatever the programmer wants it to do. The typical action that virus does is installing itself in one’s computer’s system, infecting critical operating files, searching cached HTML and mailing them to others. Computer fraud refers to the fallacious misrepresentation of fact that conveys with an intention of inducing another to do or refrain from doing something that will ultimately lead to some...
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...successful organizations everywhere. The Threat of Fraud Introduction Corporate fraud and executive identity theft are crimes that are on the rise. I don’t think corporations understand the impact this crime can have on their business. It only takes a few measures to ensure that the company is protecting against someone being able to access information that could bring the entire corporation to the ground. It can takes years to establish credit, build clientele and provide a service to the country or a community, however, it can only take the click of a mouse, that one email attachment or that one dishonest employee and your entire businesses financial data has been obtained, used or sold for the sole purpose of financial gain. Therefore, to protection your organization’s personal information. Well, it’s time to get the facts, take the necessary precautions, and start the process for what could be the first steps in protecting your organization from financial ruin. Fraud The word fraud can be defined as a person who intentionally uses deceit, provides misleading or false information in an attempt to attain someone’s money or to scam someone into buying or selling property (Hill & Hill, 2005). Fraud can also be the acts committed on behalf of an organization like padding financial records to make the company’s profits/earnings...
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...Digital Privacy in the IT age is almost extinct. The World Wide Web houses information about anything and everyone. People use the digital technology everyday with the impression that what they are doing is protected from others, unless they chose. While few consumers are fully aware of how their data is being used and even fewer are capable of actively managing it, most individuals expect their digital identity to be treated responsibly and openly: 79%, for example, said companies should be more transparent about use of personal data. There are systems and technologies that people use to gain access to a person’s information. The information obtained can be an advantage or disadvantage. The government has implemented laws for years to try to establish some controls There are many technologies that will allow an individual to research citizens, but the three that will be discussed are Facebook, Intellus, and Google. Facebook is a web based social app use to contact friends. A person can either download for free or buy “apps” for a small amount of money. Apps are games, quizzes and sharing services. These “apps” are consists a host of personal information which includes emails, current locations, sexual preferences of “app” users and their friends. Intelius allows people to access personal records by name, social security number or phone number. People use this system to find family or do background checks on others. Intellius will show you where a person lives and his/her family...
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...3. What are some activities an organization could perform for the security practice of Threat Assessment? a. Identify threats and establish responses to these threats. 4. What are the two recommended assessment styles for SAMM, and how are they used? a. Processes handling vulnerability reports and operational incidents 5. What are the three main objectives of the OWASP Application Security Verification Standard (ASVS) Project? a. Understand, establish and compliance 6. Identify the four levels used for ASVS. a. Automated verification, manual verification, design verification, and internal verification 7. According to the OWASP development guide, what are some guidelines for handling credit cards on Web sites? a. Use compliant equipment, maintain security, and unique keys 8. What are the four known data-validation strategies? a. Constrain, accept, reject, and sanitize 9. When should the testing process be introduced in the Software Development Lifecycle (SDLC)? a. Prototype development 10. What is black-box testing? a. A method of software testing that examines the functionality of an application without peering into its internal structures. 11. According the OWASP Development guide, what are some basic best practices for handling authentication when designing and developing Web-based software? a. Protect brand, know your business,...
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...………………………………………………………………………. 25 9. Works Cited ……………………………………………………………………….. 31 10. Contract…………………………………………………………………………… 32 2 1. Executive summary This paper will study a contract, common in business law; but more specifically, this report will analyze a credit card agreement from CIBC Visa. In studying this contract, it will show what a contract is and the legal framework that it implies. In studying the clauses of this contract, one will familiarize oneself with the legal terms and jargon that all contracts consist of. In explaining these clauses, one might be able to divide them into twelve main principles that a contracting agreement should consist of. This paper will then analyze the clauses and any potential flaws or problems, and later suggest changes that should be applied. These can be considerable change, for instance, adding or removing clauses or can be simply a small change, such as changing a few words in a clause or fixing a spelling error. This report will then move on to challenge the legal reasoning of the contract and finally explain the legal corrective measures that are identified at the end of this paper. All of these things will be tied into the general foundation of business law and how they all...
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...Cited ……………………………………………………………………….. 31 10. Contract…………………………………………………………………………… 32 1. Executive summary This paper will study a contract, common in business law; but more specifically, this report will analyze a credit card agreement from CIBC Visa. In studying this contract, it will show what a contract is and the legal framework that it implies. In studying the clauses of this contract, one will familiarize oneself with the legal terms and jargon that all contracts consist of. In explaining these clauses, one might be able to divide them into twelve main principles that a contracting agreement should consist of. This paper will then analyze the clauses and any potential flaws or problems, and later suggest changes that should be applied. These can be considerable change, for instance, adding or removing clauses or can be simply a small change, such as changing a few words in a clause or fixing a spelling error. This report will then move on to challenge the legal reasoning of the contract and finally explain the legal corrective measures that are identified at the end of this paper. All of these things will be tied into the general foundation of business law and how they all connect. 2. Introduction This paper is designed to explain a typical credit card agreement; first, it will explain all clauses...
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