How to safeguard our personal and financial data?

Nowadays, the popularity of using computer are increasing especially for the personal and financial data. Unfortunately, the hacker who is break into computer for the threat and fraud also increase. So as a user of computer need to safeguard our own personal and financial data so that their personal data will not give the hacker an opportunity to hack especially use for criminal use and not be a victim.

The steps to safeguard our personal and financial data are:


Password are the key for us to acess our personal data information that we would not wish to give other to acess it. We need to create a strong password and keep them well protected so that other will not easily steal our personal and financial data. Example of strong password are make it lengthy, combine letters, numbers, and symbols which are use the entire keyboard. Remember that never use sequences or repeated character or other information that easily guess by others as our password.


Private and Confidential mean that never disclosure our personal information and financial data to others especially our password. Always must keep our passwords hidden from friends or family member especially children that who could pass them to other less thrustworthy individuals. We also need to avoid accessing financial information in public which place that provide wireless connection because we never know that firewall are provide or not.It also encourage hackers to hack into our confidential data and steal information from the wireless connectioan area.


Firewalls are frequently used to prevent unauthorized Internet users from accessing private networks connected to the Internet, especially intranets. All messages entering or leaving the intranet pass through the firewall, which examines each message and blocks those that do not meet the specified security criteria. When we access internet we must make sure that the computer is provide this software program.

Anti-virus software is used to prevent, detect, and remove malware, including computer virus, worms and trojan horses that may steal or modify the data on our own computer and leave our vulnerable . Besides install anti-virus software we need constantly update the anti-virus program so that can detect the latest malware and to avoid the attackers take the advantage of the outdated anti-virus software.

The important thing that we must always remember that have a habit to log out before we close our browser which contains our personal information. There will no reputable company will ask for your password, account number, or other log-in information via e-mail or instant message. Last but not least, never open an attachment or click on a link sent to you by an unknown person. Because the attachments can contain viruses and links that can lead unsuspecting users to dummy sites where they are asked to input financial information.

Conclusion it is very important for everbody to taken an appropriate safeguard to protect our personal and financial data.

References:
http://www.microsoft.com/protect/yourself/password/create.mspx

http://en.wikipedia.org/wiki/Firewall

http://en.wikipedia.org/wiki/Antivirus

http://images.google.com.my/imghp?hl=en&tab=wi

Password: An Internet Security

Obviously, the most common internet protection used by users is password. It is a secret word or series of characters that used for authentication, to prove identity or to access to the resources required. Whenever user login to the computer account, retrieving e-mail, accessing some database, network, accessing programs and even booking ticket online, users are required to enter the password. The common use of password resulted by its characteristic of short enough for memorized and easy to type.

The next thing we try to discuss here is the extent of which the password is able to secure. Basically, password has some significance disadvantages. It can easily be stolen or forgotten. Even if it is not being stolen, the common available password is easily and efficiently be guessed by attacker. Therefore, the availability of system that impose time-out of several seconds after a small number of failed password entry attempts can prevent from unauthorization access. Another issue is that an individual might distribute his or her password intentionally to friends. This type of authentication becomes useless as anyone can access easily.

Formation of different types of password itself is important to secure the internet access. There are several types of password. For instance, password that formed by the multiple words is called as passphrase while the secret information that formed by purely numeric is called as passcode. According to the research done by Information Week, almost 16% of online users used passphrase of their own, spouse or child name as password. This might because such passphrase will not be forgotten. 14% of users used “1234” or “12345678” as passcode. This type of passcode is easy and nice. 4% of users used “password” as password. These three types of password are easy to guess and unsecured.

Thus, some web security suggests a better protection by choosing a password that consists of at least 8 characters or more include one capital letter and symbol, and, the most important thing to remember : Do not simply give your friends your password.

Reference:
http://ecommerze.blogspot.com/search/label/Internet%20Security
http://en.wikipedia.org/wiki/Password

Revenue model for Google, Amazon.com and eBay

Revenue model can be defined as the technique or method that is adopted by the e-commerce company in generating the business revenue from its website.

Basically, there are five types of revenue model which are stated as below:

(1) Sales revenue - Revenue generated by selling of goods, services, and merchandise information provided in the publisher's website.
(2) Transaction fee - Commission earned by the company based on either the volume of successful transaction or fixed fee per transaction successful conducted.
(3) Advertising fee - Fee that is charged by the web publisher company to advertiser, by letting the space in publisher's website to advertise the product in different form of advertisement.
(4) Subscription fee - The users have to pay a fixed amount of fees for subscription of contents or services provided by the website.
(5) Affiliate fee - Fee that earned by the company for referring customers to other websites.

Now we will identify and compare the revenue model for Google, Amazon.com and eBay respectively.

-Google-

Google is the most widely-used web search engine in the world. There are thousands million of internet users all around the world search information via Google search engine everyday. Besides that, it also provides a variety of free of charge internet services such as Blogger (web log), Google Mail (electronic mail) and etc.

Google does not charge any fee on the internet services that it provided for example Gmail, G-talk, but how does it gain huge profit every year? In fact, its revenue model mainly from advertising fee related to its internet services. This consists of about 99 percent of overall revenue. Besides that, Google also earns revenues from sale of its advertising-free version of the internet services. The advertising fees of Google mainly consist of Google Adwords and Google Adsense.
Google Adwords is the main revenue source of Google. It offers pay-per-click (PPC) advertising, and site-targeted advertising for both banner ads and text. Pay-per-click (PPC) advertising means that the advertisers need to pay to Google every time the advertisement received a click. The advertisement is designed to appear beside the search result pages of the Google seach engine in text form. It allows the advertisers to present advertisements to users when the users are searching for information related to what the advertisers have to offer.

Google Adsense is another advertising method adopted by Google. The difference of it is that the website owners (including blogs) can display Google advertisements on their websites and they are able to earn the revenue with Google every time the ads are clicked by visitors while Google Adwords only appear in Google website and the ads-clicked only earned by Google. Website owners of Google Adsense service have the opportunity to display the ads in their websites in various forms such as text, image and video. These ads can generate revenue on either a per-click or per-thousand-impressions basis. However, all the Google Adsense ads are administered by Google.

-Amazon.com-

Amazon.com is a marketplace where allows sellers to offer their good alongside Amazon's offerings. A website can use a combination of revenue models to generate revenue. Amazon.com is a prime example of the e-commerce model or e-tailing. Amazon generates revenue primarily by selling books, videos, electronics, and kitchen equipment on domestic and international website, such as Amazon Marketplace. However, Amazon is also a pioneer in affiliate partnership marketing. An Amazon partner website can display Amazon books ( and review etc.) directly on their website, and sends customers to the Amazon's website when the visitor is ready to buy it. In turn, Amazon pays a commission for the sale to the site owner.

An e-commerce model is the most well known revenue stream where the website sells products or services online. Every e-commerce entity on the internet should have a business model that performs on the internet.

E-Tailing (electronic retailing) is the selling of retail goods on the internet. E-tailing is synonymous with business-to-consumer (B2C) transaction.

Besides sale of goods, Amazon.com also generates revenue through sale of web services, for example Amazon Simple Storage Services (S3), Amazon Elastic Compute (EC2) and etc. Amazon S3 is an online storage web service that provides unlimited storage through a simple web services interface. Amazon EC2 is a commercial web service that allows customers to rent computers on which to run their own computer applications.

Advertising fee is also one of the revenue sources for Amazon.com. It offers a suite of advertising channels for advertisers including online products ads, online display advertising, and Clickriver ads, which ads promote services alongside with Amazon's products.



-eBay-
EBay is an online aution and shopping website. It provides an electronic marketplace for people to buy amd sell various merchandise and servise worldwide. It has millions of transactions listed, bought and sold daily, the items sold including collectibes, decor, appliances, computers, furnishings, equipment, vehicles and others. It has set up localized websites in about thirty countries including Malaysia.
EBay generates revenue by of various fees nand commissions such as insertion fees, promotional fees and final value fees. To start with, eBay charged an insertion fees based on the openning price of the merchandise.

-Insertion fees ~ when an item listed on eBay, this nonrefundable fee is charged.
-Promotional fees ~ an extra fee that charged for additional listing options which can enhance the advertising and promotion of an item, such as highlighted or bold listings.
-Final value fees ~ the commissions that charged to the seller at the end of the auction.

Besides that, eBay earns transaction fee from owning paypal, an online paying service system for users to buy items online more conveniently. Ebay also gains sales from the service of listing customer's product to be sold to other users as well as some advertisement fee. Ebay's revenue increases with seller surplus. Its liquidity promotes a lock in, which keeping current customers happy and acquires new customers.

In conclusion, Goodle, Amazon.com and eBay have proved that every e-commerce comany would adopt different method of revenue models in its own way. Gogle relies mostly on advertising fees and small portion of sales. Amazon.com gains mostly on sale of products and services and relatively small amount in advertising and transaction fees while eBay mainly on transaction fees.

References:
http://en.wikipedia.org/wiki/Adsense
http://en.wikipedia.org/wiki/Amazon_Marketplace
http://en.wikipedia.ord/wiki/Ebay

The History and Evolution of E-Commerce

What is E-commerce?



In this 21st century, one of the most popular activities to do through the internet is online shopping. Why it say so? This is because it is easy and convenient. You can shop anytime, anywhere that you want and u can also never have to change out of your pajamas if u don't want to do so. All of the product u can possibly imagine or can't imagine are available in the internet. So, this popular activities is called as Electronic Commerce.

Electronic commerce, commonly known as e-commerce, consists of the buying and selling of product and services over electronic system such as Internet and other computer networks. For the broader definition, not just the buying and selling of goods and services, but also servicing customers, collaborating with business partners and conducting electronic transaction within an organization.

History of E-commerce



History of e-commerce dates back to the invention of very old notion of 'sell and buy', electricity, cables, computers, modems, and the internet. E-commerce became possible in year 1991 when the internet was opened to commercial use. Since that date, thousand of businesses have taken up residence at web sites.

Primarily, e-commerce meant the facilitation of commercial transactions electronically, using technology such as Electronic data Interchange (EDI) and Electronic Funds Transfer (EFT). Both of them were introduced in the late 1970s. It gave an opportunity for users to exchange business information and do electronic transactions. Besides that, it also allowed business companies and organizations to send commercial documents electronically. The growth and acceptance of credit cards, automated teller machines (ATM) and telephone banking in the 1980s were also forms of e-commerce.

Although the internet began popular among the worldwide in year 1994, it took approximately 5 years to develop the security protocols and DSL which allowed rapid access and connection to the internet. Since then people began to associate a word 'e-commerce' with the ability of purchasing various types of goods through the internet using secure protocols and electronic payment services.

Evolution of E-Commerce

Since 1995, many innovative applications ranging from direct online sales to e-learning experiences had been developed. Almost every existing organization in the world has their own website. The liberalization of the telecommunications sector and innovations such as optic fiber and DSL which has helped to expand the volume and capacity of communications that helped in the process of rapid growth. As a result, the barriers to entry and engage in e-commerce have fallen rapidly.

Here are the summary of years and trends for the evolution of e-commerce.....

* 1984- Electronic Data Interchange or EDI was standardized through ASCX12. This guaranteed that companies would be able to complete transactions with one another reliably.

* 1992- Compuserve offers online retail products to its customers. This gives people the first chance to buy things off their computer.

* 1994- Netscape arrived. Providing users a simple browser to surf the internet and a safe online transaction technology called as Secure Sockets Layer.

* 1995- Amazon and Ebay were the 1st international companies that implemented electronic transactions.

* 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 to online.

* 1999- Retail spending over the internet reaches $20billion according to the Business.com

* 2000- The US government exended the moratorium on internet taxes until at least 2005.

References :

http://newmedia.medill.northwestern.edu/courses/nmpspring01/brown/Revstream/history.htm

http://www.ecommerce-land.com/history_ecommerce.html

http://en.wikipedia.org/wiki/E-commerce

Google is Changing Everything

Google is now becoming more popular and it has evolved to become an essential part of our life. Almost everyone in the world knows about Google. It not only serve as a search engine, but also provides a lots of web services such as GMail, Google Desktop, Blogger, Picasa, Google Talk, Google Mobile and Google Map.

Google Search Engine

Google is changing everything. When it is entered into the search engine market, it has change the face of the market. Obviously, it has become an undisputed king of search engines. This can be best explained by Google that has currently control over 60% of search engine market. Effectiveness is one of the reasons that made Google successful in control the major of search engine market. For instance, it use less than 60 seconds to search almost 100 million websites.

Google Maps

I guess most of the time spent by residents who staying in Kuala Lumpur is travelling. This is because the route in KL is quite confusion. Therefore, with the help of Google Maps, we are able to search for the destination and the most appropriate route to that particular destination easily. Google Maps is one of the web service provide high resolution satellite image for the cities in all the countries. With the single type of name of the place where user want to search, Google Maps provide ability to see where the business located and what's near by. Besides, it also allows users to get contact information, price and hours take to travel from one place to another. Google Maps has created convenient for all the users.

Google Tools : Chrome Browser

Recently, Google has invented a modern platform for web page called Chrome Browser where the links that previously accessed will be displayed on the search page. It is user-friendly application and quite stable as Google has keeping each tab in an isolated “sandbox” and able to prevent from crashing with another. It has also improved the speed and responsiveness across the board.

In conclusion, Google not only invent application and web services that is user-friendly, but also drive innovation on the web.

Reference:

http://www.seochat.com/c/a/Website-Promotion-Help/Google-Changes-Everything-Again/
http://iwarrior.uwaterloo.ca/?module=displaystory&story_id=2342&format=html&edition_id=58

An example of an E-commerce success and its cause

AirAsia airline is the second Malaysian National Airline.
It was established in 1993 and started operation on 18 Nov 1996. But Air Asia just expanding rapidly from 2001. Their vision is to be the largest low cost airline in Asia so that everyone can fly with AirAsia.

AirAsia is the first airline using E-commerce which the travellers can online buying E-ticket and first airline in the region implement fully ticketless travel and unassigned seats. Since 5 Feb 2009, AirAsia is started implement allocated seatings to all the traveller. On 12 Nov 2008 AirAsia is doing claimed to be the first airline in the world to abolish fuel surcharges. As a result, AirAsia had flown 55million cumulative passenger.

Why Airasia.Com is success?

1. AirAsia is providing attractive ticket price by focusing on online booking. They sell the ticket through their own counter or through their website(airasia.com). However, only online booking service provides its passengers a chance to buy more cheaper ticket.

2. AirAsia website is providing the lastest information regarding promotion compare to others media such as radio, newspaper, email and etc. This is because the catalog is more easy to modified than others media. Thus, travellers are able to get lastest information about promotion of AirAsia so that they can decide quickly and buy cheaper ticket.

3. AirAsia.com also provide other services to the travellers through online. For instance, travellers can book Tune Hotel for 5star sleeping experience at 1star price or get other hotels' information. Besides, travellers can travel from KL Sentral to Low Cost Carrier Terminal (LCCT) or vice versa by purchasing low-cost air bus ticket online and meals are selling lower price for those who booked ticket online.

4. It is easy to access website of airasia.com because it used the user-friendly application. The travellers easy and able to search the information from the webpage especially the information for holiday or know more about AirAsia.

As a conclusion, the main reason where AirAsia become one of the most popular airline in the world is due to the adoption of e-commerce method--AirAsia.com.

References:
www.airasia.com
www.wikipedia.com

LiPi's Profile

Hi everybody,welcome to our Pinky Girls' blog. One of the member is LiPi,that is me! Although I have many nick name from my friend but I still like to use my chinese nick name to introduce me that is "beautiful wall". Currently I study at UTAR,Sg long (Bachelor of Commerce (Hons) Accounting, Year 3 Trimester 1). Before that I'm a KTARian after graduate in diploma I just join in UTAR.

I come from a beautiful island that is Langkawi. When my friend know where I from they look like very interest with the island than me. But i still proud with where I from because Langkawi really nice,peace,fresh air place to live. The things that make me happy in UTAR is have a chance in T4 because all classmate very nice,funny,work together when held some event and held class trip in Langkawi.

I'm a girl that interest in many things and like to challenge. One of my interest is acting so last time i very active with the drama show but now is no chance for me to do that. So now i like to disturb and make fun with my friend or do some crazy thing with my friend. I also like to shopping eventhough i don't have money but i still will go for shopping don't know when i just can change this bad habit. When i back from shopping my housemate sure will aks me :"What you buy today? How much do you spend today?"

The top5 websites that I most visit are
1. http://www.facebook.com : This website is for me keep in touch with my friend and know recently what they are busy through the photo album and online chatting. Besides that i also can play some mini games that this website provide.

2. http://www.blogspot.com : This website is for me to release my feeling and would like to share with everybody. I also can know what my friend is feeling in recently or anything they would like to introduce to other.

3. http://www.google.com : This website is for me to search the infomation that i needed especially while doing assignment.

4. http://www.youtube.com : This website is for me entertaiment because from here i can watch the movie,show and MTV that i wish to see.

5. http://www.msn.com : This website is for me to contact with my friend. Sometime also use it for discuss assignment with group member when can't meet each other.

Ying's Profile

Hi guys.. I am Shu Ying, you can call me Agnes or whatever nick name you like, i will respond perhaps :-). Currently I am studying accounting course year 3 trimester 1 in UTAR. I am from tutorial group 4. I do love all my classmates. They have treated me so good although I am Ktarian before that. They have given me an unforgettable university life. Yes.. I join Utar after taken my diploma in KTAR.

I come from Setapak, such a hot temperature city. Classmate in UTAR always call me little mouse, just because my size is so small. Perhaps my voice is too low until i need to shout in class when talking, suffer =.= That's why i will be quite most of the time. When i joining UTAR, first met with classmate always give them a bad impression that i'm cool. What to do? I just feel shy to talk with them. Haha..

I like to sing karaoke. However, you might hard to hear my voice although I'm using mic. :) Besides, I also love to watch drama especially hong kong and singapore drama. Their acting are so nice until people are involve deeply and unknowingly into those characters.

Here are some of the website that i surfing most of the time:

1. http://www.msn.com/ : Much of my time spend on it because this website provide me feature of real-time online chatting. This explained the way that i contact with my friends.

2. http://www.facebook.com/ : This website provide some mini games and allowed me to know most recent news of my friends.

3. http://www.blogspot.com/ : through this website, I know what my friends' thoughts and feelings.

4. http://www.google.com/ : As a student, this website is the most important website where all information needed for our assignment will be found with just a single type of keywords.

5. Last but not least, http://www.utar.edu.my/ : Of course, we will visit this website frequently as this is where student contact with lecturer or tutor.

San's Profile

Hey!!!Hey!!!Hey!!! It's me!!! Wong Fei San here!!! You can call me Fei San, Sansan, whatever you like. Currently I am studying Accounting Course year 3 trimester 1 in UTAR that located at Sungai Long, Kajang. There are 4 faculties of UTAR. I think that this faculty is too far from KL.It may need 2 hours to KL by bus. This really bring a lot of unconvenient for me especially I'm a shopaholic.Hee.......

Where i come from??? Mmm.......This is a good question to me. Actually it's a little bit complex. I come from Jerantut, Pahang. It is just a 'daerah' and people rarely know about it. But it's so lucky that it still can be found in the Malaysia's Map. If I ask where is Taman Negara, people may know where it is. That's right!!! It's nearby Jerantut. It only takes 45 minutes from Jerantut to Taman Negara. Although Taman Negara is very nearby my home, but i never go there before. Hee..... If you want to go Taman negara, remember to ask me to join. I have stayed at KL since i was graduated from primary school. So i think that I can be categorized as "half KL citizen". That is why I'm not familiar with my hometown, Jerantut.

I think that I'm a gentle and soft person but does not mean that you can bully me. I'm ordinary person , but sometimes I like to try something new and special. I'm optimistic, I hope to have happy mood everyday. I'm outgoing, I hope to know more friends who have same interests with me.

I like to shopping very much. I like to see somethings which are beautiful and know about which are the latest fashion. This really can make me happy. I also interested in doing research about skin care and make up. If you know about the most popular taiwan programme that called 'Beauty Woman', then you must be known that the four teachers. Among the teachers, 'Mr Neo' is my idol. I admire his knowledge about skin care and I hope to meet him once day.I like to read novel. There may include different types of books such as philosophy, love...... Reading novel gives me a wide space of imagination. I really enjoy the process.

Here are some of the websites that I visit frequently:
1. http://www.facebook.com/
It's a medium that I can know about how is the life of my friends espeacially some of them study oversea. I'll post some photos and write blog to share my life with them.

2. http://www.msn.com/
For me, it's really important for me. It's not only a medium that i maintain relationships with my friends, but also can make new friends that come from foreign country. I also discuss assignment with my groupmates through msn.

3. http://www.hotmail.com/
I can get many information from this website. It's not only for doing assignment purpose, it also a medium to exchange information with my friends.

4. http://www.sinchew.com/
Buying newspaper wastes your money??? It's not excuse anymore with this website. I can read any latest news and currrent issues that happen in our country and foreign country through this website.

5. http://www.xs8.cn/
This is website that I read novel. When I feel depressed or stressed, I 'll read novel to help me release stress.

Ketty's Profile

Hai....everyone!! Nice to meet u all. My name is Pei Xin or you can call me Ketty. Currently,i`m taking Accounting course (Year 3 Trimester 1) in UTAR located at Sungai long,Kajang.
LABUAN
I come from a small island in Malaysia,that is Labuan F.T. Most of the people from west M'sia don't know where is Labuan located.They will keep asking me where is the place and ask me whether my house is built on the tree.Oh My God,i really dunno how to answer this question.Mostly,they only know Sabah and Sarawak.So,sometimes i`m very lazy to explain with them..and i will say Labuan near Sabah. Labuan is known as 'duty free zone'. Due to the cheapest price of cigarette and beer,my friend like to ask me to help them buy 'Dunhill','Chivas' or something else.

Err...my hobbies quite a lot.Mostly,i love to cook and i can stay in the kitchen whole day to cook something special food when i was in my hometown.But now,i no have so much time to cook for myself becuz busy with my university life and also lack of kicthen utensils. Besides that,i like to watch drama. When i feel boring,watching drama is my first choice.

Here are the some website that i frequently searching ......
1.http://www.facebook.com/
Facebook have a lot of quiz and mini game to play.It also become a medium that i can keep in touch with my fren even after graduation.

2. http://www.hotmail.com/
When i was free, i will check mail through this website. Some of the important information will also send by my groupmates for doing assignment purpose.

3. http://www.airasia.com/
Log in to Airasia website to know about the latest ticket price. This enable me to buy the cheapest ticket and i can fly back to my hometown during my holiday.

4. http://www.sinchew.com.my/
Reading online newspaper can let me know the latest news and current issues that happen in our country or in this world.

5. http://www.sogou.com/
Listen to the music is also part of my hobbies. So, i will download the latest song through this website.