The application of third party cerification programme in Malaysia

What is Third Party Certification?

Third Party Certification is act as a certificate authorities (CAs), who issue digital certificate to provide verification that your website does indeed represent your company.It used to provide the trust on your web pages and provide security measurement purpose. Data is restricted only to authorized individuals in conformity with its disclosed security.

Malaysia also have it own third party certification company,which is MSC Trustgate.com Sdn Bhd.MSC Trustgate was incorporated in 1999 to meet the growing need for secure open network communications and become the catalyst for the growth of e-commerce, both locally and across the ASEAN region.Trustgate is licensed under the Digital Signature Act 1997 (DSA),which it was required by Malaysia Law .

Trustgate’s core business is to provide digital certification services, including digital certificates, cryptographic products, and software development.This services is mention for individuals, organizations, government, and e-commerce service providers.

The product that also been offered by MSC Trustgate is SSL Certificate,Managed PKI, Personal ID,My TRUST,MyKAD ID,SSL VPN,Managed Security Services VeriSign Certified Training and Application Development.

Why the Third Party Certificate is needed?

The reason behind of it is, there are threats of internet security happen each day. Example for the biggest threat is happen in Y2K. It been affected the computer database from around the world, and reported cost the effected company Millon of Dollars in businesses.With the exist of this certificate user will be able to make transaction online without worried feared that their particular such as ID, Password, and private imformation been will been stolen by other unresponsible party.

In conclusion, third party certification program is important to the internet user to secure their privacy , prevent the confidential information or personal data being stolen during the transaction on Internet.

Phishing: Examples and its prevention methods

What is Phishing?

Phishing is a fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication.

Examples of Phishing
1. eBay:

On 17 November 2003, many eBay customers received email notified that their accounts had been compromised and were being restricted. After clicking the hyperlink provided in the email, a web page which just looked like the same as eBay’s home page appeared. To re-register, the customer were told to provide credit card data, ATM personal identification numbers, Social Security number, date of birth and their mother’s maiden name. However, the problems was eBay did not send the email and the webpage did not belong to eBay.



2. Citibank:

The "From Field" appears to be from the legitimate company mentioned in the e-mail. However, that it is very simple to change the "from" information in any e-mail client. The e-mail will usually contain logos or images that have been taken from the Web site of the company mentioned in the scam e-mail.

The e-mail will contain a clickable link with text suggesting you use the inserted link to validate your information. In the image you will see that once the hyperlink is highlighted, the bottom left of the screen shows the real Web site address to which you will go. Note that the hyperlink does NOT point to the legitimate Citibank Web site URL.

In this instance, the text you click is "here". However, this may also state something like "Log-in to Citibank" or "www.citibank.com/secure" to be even more misleading. This clickable area is only text and can be changed to anything the sender wants it to read.

Additionally, you may spot some of these elements that did not appear in this particular scam:
Logos that are not an exact match to the company's logo, spelling errors, percentage signs followed by numbers or @ signs within the hyperlink, random names or e-mail addresses in the body of the text, or even e-mail headers which have nothing to do with the company mentioned in the e-mail.

How to prevent it?

1. Never click directly on any link from your e-mail. Be suspicious when you have come to a message that requires account verification.
2. Use strong password and do not use the same password for more than one site. Change it frequently.
3. Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly.

4. Review credit card and bank account statements as soon as you receive them to check for unauthorized charges.

5. Stay alert and be cautious with the e-mail and on Websites.

Hopefully all this information can help all the users to be alert from the phishers.

Identify and compare the revenue model for Google, Amazon.com and eBay.

Do you know what is Revenue Model is??
Revenue Model is a description of how the organization or e-commerce companies will earn revenue, generate profits, and produce a superior return on invested capital. The FIVE (5) major revenue models are sales, transaction fees, subscription fees, advertising fees, affiliate fees, and other revenue sources.

So do you know what the revenue model is for Google, amazon.com and eBay?

Google's which is more recognized for its world's largest search engine and the mission to organize the world's information and make it universally accessible and useful. In a fraction of seconds it provides easy-to-use free service that usually returns relevant results. However, although Google is providing free services, they generate profit through advertising. Their profit from advertisement is through two type of revenue model which are “pay-per-click advertisement” and “per-thousand-ads-displayed”.

Pay-per-click advertisement is a model that charges the advertiser in Google whenever their ads are being click. Moreover the fees is set by the amount that the advertiser willing to pay. Google will accumulate the amount of click on the advertisement and only will charge the advertiser when the amount reaches a certain sum. The “per-thousand-ads-displayed" for instance will help Google to charge the advertiser for every thousand advertisement that appear on the website.

To fully put the two revenue models into action, Google with the assistance of two programmes, the AdWords and AdSense. This two programmes helps Google generates revenue by providing advertisers with the opportunity to deliver measurable, cost-effective online advertising that is relevant to the information displayed on any given page. This makes the advertising useful to you as well as to the advertiser placing it. Thousands of advertisers use Google AdWords program to promote their products and services on the web with targeted advertising and almost 90% of the Google revenue is generated from AdWords programme. In addition, thousands of web site managers take advantage of our Google AdSense program to deliver ads relevant to the content on their sites, improving their ability to generate revenue and enhancing the experience for their users.

For more information, please refers to:
Google about me
Google's Revenue Model

Amazon.com, a Fortune 500 company based in Seattle, Washington, is the global leader in e-commerce with offers everything from books and electronics to tennis rackets and diamond jewelry at even lower prices. Moreover, Amazon.com are more conveniently and offering customers with more types of products, several community features like Listmania and Wish Lists that help customers to discover new products and make informed buying decisions. Amazon generates its revenue through:


Transaction fees - $ 0.99 (per-transaction)
Commission - the rate of commission is vary on different types of merchandise
Variable closing fee - the price is vary from different type of merchandise



Amazon will helps the collect money from the buyer and commission will be taken from the money collected and other feels will be charged on the seller account. Thus, amazon is actually a third party between seller and buyer that help them meet and close transaction and amazon collect commission from and some fees.

For more information, please refers to:
About Amazon
Fees and Pricing

Ebay is the world's largest online marketplace where practically anyone can sell practically anything at any time. It's an idea that BusinessWeek once called "nothing less than a virtual, self-regulating global economy." Ebay generate their revenue through fees charged on the seller which include insertion fees and final value fees.

Ebay will charge the seller insertion fees which is also called listing fees is fees when seller list their item for sales and this fee is charged at the time of listing. In addition, this fees is not refundable even the item until the expiry of listing date is still unable to be sold. On the other hand, final value fees are also transaction fees, when the item listed successfully bid, Ebay will charged on a certain rate against the final value of the bid to the seller’s account as a commission fees. The rate for the final value fees vary according to the type of product that are list for bid.

For more information, please refers to:
About eBay
Ebay.com listing fees
Insertion Fees
Final Value Fees

The successful e-commerce company such as Google, amazon.com and Ebay are prospering in this technology and online world. Each of this company is having their own revenue model that suits the environment and business nature in order to generate profit. However, each of this revenue models might not or could not work on another company. For example, Google which is earns their through advertising are unlikely to be usable for amazon.com and Ebay which their nature of business are skewed towards transaction. For Ebay, their revenue model is different from amazon.com in terms of fees charges that they incurred on the seller. As Ebay is an online auction company, they charge the seller for listing their merchandise. On the other hand, amazon.com which is dealing with business transactions, would need to charge their seller for successful business transaction.

The history and evolution of Ecommerce

History of ecommerce dates back to the invention of the very old notion of “sell and buy”, electricity, cables, computers, modems, and the Internet. At first, the term ecommerce meant the process of execution of commercial transactions electronically with the help of the leading technologies such as Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT) for users to exchange business information and do electronic transactions. The ability to use these technologies appeared in the late 1970s and allowed business companies and organizations to send commercial documentation electronically. After that, the credit cards, automated teller machines (ATM), online airline reservation, and telephone banking in the 1980s were also known as types of electronic commerce. From the 1990s onwards, electronic commerce would additionally include enterprise resource planning systems (ERP), data mining and data warehousing. Online shopping was invented in the UK in 1979 by Michael Aldrich and during the 1980s it was used extensively particularly by auto manufacturers such as Ford, Peugeot-Talbot, General Motors and Nissan.

Although the Internet began to advance in popularity among the general public in 1994, it took approximately four years to develop the security protocols (for example, HTTP) and DSL which allowed rapid access and a persistent connection to the Internet. In 2000 a great number of business companies in the United States and Western Europe represented their services in the World Wide Web. People began to define the term ecommerce as the process of purchasing of available goods and services over the Internet using secure connections and electronic payment services. Amazon and Ebay were among the first Internet companies to allow electronic transactions. Currently there are 5 largest and most famous worldwide Internet retailers: Amazon, Dell, Staples, Office Depot and Hewlett Packard.

The growth of Internet has a special significance in the growth of e-commerce. It has the potential to involve general people into the process, thereby increasing its reach far beyond large companies.