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Online Security and Payment Systems

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    Online Security and Payment Systems It is undeniable that online payment systems are on the upswing in today’s society, the USA and the world. Electronic payments are now being used by government agencies for direct deposit tax refunds and to pay government benefit via the use of debit cards. Individuals are also using electronic payments to settle financial transactions without the use of checks or cash. These electronic funds transfers can actually make currency conversions, if necessary.

    Further, companies are giving discounts on services if they are allowed to electronically draft an account (demand or credit card). With this increase in ecommerce transactions, it is reasonable to expect an increase in cybercrime. Therefore, as a consumer a major concern is the protection of identities, especially mine. The online security issues relating to the dimensions of ecommerce security stood out the most because it deals with identity and information protection. Specifically, possessing the integrity to secure and protect privacy, confidentiality and availability of personal information, is of major concern.

    The ability to protect and an individual’s identity and privacy is difficult to secure in an ecommerce society because individual integrity cannot be policed, “public record” is available to anyone who looks for it, and people’s lack of computer knowledge. Establishing ethical standards (standards of behavior or integrity) does not guarantee the protection of an individual’s identity and privacy because the integrity of people cannot be policed. Ethics refers to standards or laws of behavior that dictates how human beings ought to act in given situations.

    A person’s behavior may not follow the law. Behaviors are influenced by feelings and feelings impact ethical choices. If a person feels hate, their choices and actions may be that of hatred. There is no standard or law to police the way a person feels. Morris Massey in the video, “What You Are is Where You Were When” (Massey, 1986) shows that behaviors are based on values, norms, and the time and place you were located when they were established. Therefore, behaviors cannot be policed by laws and likewise my identity and information cannot be fully protected.

    An individual’s identity and privacy is difficult to maintain because “public record” make personal indentifying information available to anyone who is willing to look for it. Public record is information that has been filed or recorded by local, state, federal or other government agencies. These public records can include addresses, birth and death certificates, marriage licenses, immigration records, real estate records, driving records, criminal records, property ownership, and possibly a person’s salary and much more.

    All of this information provides very personal indentifying information that can compromise a person’s security and privacy. An individual’s identity and privacy is difficult to maintain because of people’s lack of computer knowledge. The National Cyber Security Alliance (NCSA) announced study findings that 71 percent of consumers lack the knowledge on cyber criminals’ weapon of choice and the Internet’s fastest growing threat — botnets. (National Cyber Security Alliance, 2008) Botnets are a collection of compromised computers to form robot networks.

    These networks can be controlled from a single computer to launch viruses and cyber attacks. Further review of the article reveals that people lack basic knowledge on how to protect themselves in the cyber world and that they are not sure what to do if they became a victim of a cyber crime. This lack of knowledge on behalf of individuals makes it difficult to maintain individual privacy and security. In conclusion, information is made available to the general public by the management of the USA companies and our government. Additionally, the uses of technology by consumers that lack computer knowledge are increasing.

    Coupling these things with the understanding that ethical behavior and the use of information cannot be legislated and policed supports the premise that an individual’s identity and privacy is difficult to secure in an ecommerce society. Works Cited Massey, M. (1986). What You Are Is Where You Were When. Retrieved February 01, 2010, from The Richardson Company: http://www. rctm. com/5712. htm National Cyber Security Alliance. (2008, 04 10). Techshow Wire. Retrieved 11 07, 2009, from RSA 2008: Seventy-One Percent of Consumers Lack Knowledge on the Internet’s Fastest Growing Cyber Crime Threat, ‘Botnets’:

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