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Online Payment systems

Some online payment systems include..

- PayPal [increased security, less forms to fill out when buying things online]

-Credit/Debit cards

-Dogecoin

Difference between credit and debit cards

Debit cards deduct money straight from your bank account however credit cards are a loan that you can pay off at the end of each month depending on how much you've spent.

What is SSL

SSL is the encryption of the internet.

The owner of the certificate [The website] Will have the private key, and the user get their own randomly generated public key, to view their own data.

This method, the most common method of encrypted data transfer, means that only the people who have a key can access the plain text therefor keeps it safe.

How do you know if a website uses SSL encryption?

-The padlock on the address bar

- The 'https' at the start of a web address the 's' stands for secure

-Your browser should give you the option to view a security certificate

What is a CCV number

It's a 3 didget code which is used as a security feature which is used when buying things online or over the phone.

How to protect yourself when paying online

- Making sure the website is reputable, using things like "Sellers Choice"

-Make sure the website has an updates SSL certificate

-Try to pay via trusted payment methods online

Threats and security

Encryption - The scrambling of data for security purposes. Only the computer with the key can decrypt it so you can safely send personal data over the internet.

Mobile phone and tablet shopping

Security on Phones + Tablets isn't as good as computers

Tips to staying safe online

- When you're on a webpage make sure its secure by seeing if the URL changes from http to https the S standing for secure

-Make sure the address bar changes to green and has a padlock symbol infront of the address

Spam

Spam is a type of email which is an unsolicited junk email send in bulk. Most are trying to get you to spend money on something from their company.

Viruses

Programs designed to cause damage to your computer, they can can disrupt the performance. Viruses can enter the computer by

-The downloading then opening of an infected email attachment

-Through the downloading of other useful software eg. Games

Ways to not fall prey to viruses

-Don't open unknown email attachments

-Update your virus software up to date

-keep a backup of your data

-Contact an expert if it happens to you

Hacking

Hackers try and successfully access your data without permission to your PC, tablet or any other device

To prevent this..

-Keep your virus up to date and use a firewall

Phishing

Aim to persuade you to give away your personal details to then commit fraud.

How to know if its a phishing email..

-No 'dear customer'/ your name

-Soelling/grammer mistakes

Spyware

Programs that secretly record what youre doing on your PC.

Worms

worms are like viruses but can spread independently.

Cookies

Cookies are a small text file placed on your hard drive by a web page server. The main purpose of cookies is to identify users and possibly prepare login details for you as well as remembering what you did last.

Session cookies: These remember your visits but as soon as you close your browser they are deleted

Persistant cookies: They do not go away till they expire, they also contain certain info such as logins and user names,

Third party cookies: When you visit a website you recieve a cookie from another webpage.

The cookie law is a peice of legislation which requires websites to inform users about their cookies, it was design to protect your online privacy.

Transational data means companies can tract what youve previously brought and the type of things you buy,

Advantages: Saves time because you dont have to put in your full logon when revisiting the webpage, occupies less memory.