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FAQs
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Can online phishing websites fake encryption certificates?
Well SSL has nothing to do with detection of a phishing website nothing at all.SSL (newer version of ssl is called tls) simply ensures safe or encrypted connection between client (your browser) and the server (the website you are visiting). I said encrypted “connection” i did not say anything about how that website is actually storing the data whether its storing the data in a plain text or encrypted text.Well people are mainly confused with the word encryption …. encryption could be reversible as well as irreversible . When we talk about communication between two systems its reversible encryption that is gets encrypted on one system and gets decrypted on the other system (so that they can understand each other). I don’t wanna complicate this thing more , you can raise a different question to understand how encryption and decryption words (using symmetric keys or assymetric keys). When i talk about data storage the fields like passwords , credit card infos etc are stored after encrypting with one way function or encryption that is irriversible.So in short basically when you use SSL the data encrypted by SSL at your browsers end will get decrypted by server (server has a key called private key which will do that) so it will again convert to the form you initiated from the browser. That is you from browser it started as plain text after signNowing to server it will be plain again . Who can tell whether server is using some method to hash this data or storing it plain in its database ? SSL only tells us that a third person won’t be able to know what communication your browser is having with server. That’s it .Your bank must have told you to use credit card info on https websites the reason being that a third person wont be able to get that data. Other major fact is that when Https was launched it was assumed that only reputated firms or websites will get HTTPS and domain names will be checked before alloting SSL to a website. But in practical things changed a lot. Many websites give SSL trial of 30 days and 90 days nowadays and thats what phishers needed. There is a huge competetion between websites to sell their SSL certificates which is ruining down the situation. Nowadays any website gets SSL , no one cares , even cases came where websites with name similar to paypal and bank names were given SSL. Also SSL can be compromised . That is first create a reputated website take SSL and use same SSL for malicious websites.I repeat again SSL is for “encrypted connection” between client and server not for ensuring “encrypted storage” of your data in the database of website (in case its using a database which most sites do nowadays).
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How does encryption work?
To explain “encryption in transit”, I will walk you through a story about two people on separate islands, who want to share sensitive information. These people represent the web browser on your PC, and a website. The sensitive information could be financial information, customer information, etc.Before starting the story, please note that I will refer to 2 types of padlocks. The differences between each are important:A combination padlock which is unlocked using a code instead of a key. Anyone who knows the code can unlock the combination padlock.A key-based padlock where only one unique key exists. Only the person with the one unique key can unlock the key-based padlock.So here starts the storyImagine we have two people who want to exchange sensitive information. More specifically a lady on an island, would like to securely share a treasure map, with a man on a different island.To share the treasure map, the lady secures it in a chest, using a combination padlock.A man with a boat then transports the chest, with treasure map locked within, to the man on the other island.The man on the island, unlocks the combination padlock, using the code that he already knows.The man on the island, can securely send a treasure map back to the lady on the other island, using the same chest, and the same combination padlock, and the same man with a boat.The lady on the island, unlocks the combination padlock, using the code that she already knows.The story so far describes secure information sharing between the lady and the man. Simple right?But how did both the lady and the man know the code to the combination lock? Or to rephrase, how was the code securely shared between the lady and the man to begin with?Well, earlier, the lady on the island, sent the code to the combination padlock in a chest that was secured with a key-based padlock (note, the lady used a key-based padlock rather than a combination padlock).The chest was locked with the key-based padlock, with the code to the combination lock secured within, and a man in a boat transported the chest to the man on the other island.The man on the island, used the one unique key to open the key-based padlock on the chest, and retrieve the code to the combination lock.Now both the lady and the man know the code to the combination lock.Secure sharing using the combination lock can commence!But wait! How did the man on the island get the one unique key for the key-based padlock that the lady on the island used?Well, earlier, the man on the island had both the key-base padlock and the one unique key.The man on the island sent the key-based padlock to the lady on the island, already unlocked, using the man with the boat.A suspicious mind may ask, “How can the lady on the island be certain that the unlocked key-based padlock is actually from the man on the island?”To rephrase the above question, “how can the lady on the island know that the man on the boat hasn’t just swapped out the unlocked key-based padlock, with one that he has the unique key for?”In this case, the man on the boat could retrieve the code to the combination lock that will be shared soon after. In turn, this would then allow the man in the boat to retrieve the treasure map sent by the lady on the island, that is intended for the man on the island. Disaster!Well, in order the prove the authenticity of the unlocked padlock, the man on the island sent a sealed envelope, together with the unlocked padlock, to the lady on the island. The sealed enveloped uniquely described the unlocked padlock, so as to satisfy the lady on the island that the padlock is authentic. Naturally, if the seal on the envelope had been broken, the lady on the island would know not to trust the padlock description, as it may have been altered.A really suspicious mind may not be satisfied, “how does the lady on the island know the seal on the envelope is from the man on the island?” What is stopping the man on the boat swapping both the padlock and the sealed envelope for his own?Well, fortunately there are trusted 3rd parties, who can verify the seals used on the envelope as genuine. The lady on the island can use the trusted 3rd party to be confident the sealed letter is from the man on the island, and in turn, use the sealed letter to verify the unlocked padlock as genuine.At this point you may ask, “Really? A trusted 3rd party verifies the seal on the envelope as genuine? What stops a counterfeit of the seal being produced?”This is where we signNow the crux of the security in our story.A seal is made using a seal stamp. To replicate a seal, you need to replicate the seal stamp.The seal stamp was made using a unique process that makes replication of the seal stamp practically impossible. It is akin to forging a famous artwork, while it is not impossible, for all intents and purposes, it may as well be.For the purposes of this story, the seal stamp was made by a “trusted artist”.A rapid recapSo, a rapid recap, in order of the actual events:1. A trusted artist produces a unique seal stamp that can be used by the man on the island to produce unique seals.2. The man on the island sends an unlocked key-based padlock, together with a sealed letter, to the lady on the other island. The seal letter describes the unlocked key-based padlock. The man on the island keeps the unique key to the unlocked key-based padlock.3. The lady on the island receives the unlocked key-based padlock, together with the sealed letter, and verifies the seal is genuine with a trusted 3rd party.4. The lady on the island then sends the code to a combination padlock, secured in a chest with the key-based padlock, to the man on the other island.5. The man on the island then unlocks the key-based padlock, using the unique key that he kept, revealing the code to the combination padlock.6. The man and the lady can now securely share their treasure maps, using the chest secured with the combination padlock, and the same man with a boat. Hope that helps explain it!For a translation to the real world terms and for some "not so frequently asked questions", see some foot notes at: Tech Primer: Online services and encryption, part 1
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What is the best alternative to Zoom Cloud Meetings?
1. ezTalks Cloud MeetingezTalks Cloud Meeting is arguably one the the best video conferencing apps and the alternatives to Zoom Cloud Meeting on the market. This is certainly not a matter of opinion, but rather one that is actually factual. To prove it, one only has to look at the many features that the software has. These include:●As many as 100 participants for free at a time●As many meetings as users please●HD video and udio experience●Screen sharing and co-annotation●Recording meetings and interactive whiteboard●More fairly pricing●Easy to register and operate2. SkypeSkype is one of the oldest names in video conferencing. It has been in existence for a long time now, and it has built itself a solid reputation over those years. Some of the most appealing features of the software include:●One to one video calls●Instant messaging●Screen sharing●File sharing●Redirecting messages to the emails of participants who are offline●Free group calls●Group chatsOn the flipside however, Skype only allows for up to ten participants at a time. This may make it impractical to use for large organizations, but the free group calls make it immensely popular for small organizations and businesses.3. Free Screen Sharing, Online Meetings & Web ConferencingThis is yet another video conferencing app worth your attention. It may be little known, but that has absolutely no bearing on its quality. Some of its best features include:●Free for beginners●Multi- lingual- up to six languages●Easy to operate●Has a knowledge base●Whiteboards●Scheduling4. GoToMeetingGoToMeeting is a somewhat popular video conferencing software. Some of the reasons for its popularity include:●Up to 100 participants at a time●HD images and voice●Screen sharing feature●File sharing feature●It is easy to invite participants- using links●Supported on many operating systems5. signNow ConnectAnother video calling app worth your attention is signNow Connect. Some of the best features of the software include:●Whiteboards●VoIP technology●File sharing●Screen sharing●Users are categorized into hosts, presenters and participants- goof organization●Comes with accessories; microphones and webcamshttps://added.tech/
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What is the business model of Apple Pay? Being that the payment industry is so complex, with the margins so thin, I've always be
All Roads Lead Back To The Card Issuing Bank To present a cogent insight on this subject, I will need to present an overview how the Interchange system actually works. This is just a simplistic presentation so as to develop a background on how Apple may be profiting.In a typical traditional merchant account transaction a merchant pays a Discount Rate(s) and Transaction Fee, many merchants, especially the very large merchants have the rates directly tied to the wholesale Interchange Rates [1] published by the payment card companies. A vast majority, over ~85% of the Discount Rate and Transaction Fee collected actually is paid to the Bank that issued the customer’s credit card. This means that about ~85% of the component that makes the Discount Rate a merchant will pay, is actually Interchange and is not under the control of the company offering a merchant account. It is a rate that just about 99.99% of all merchants will pay, it is generally not negotiable. Hiding The Complexity Companies like PayPal and Square hide all of this complexity and wrap the Discount Rate into a flat fee. The upside to a small merchant is simplicity, the down side to a large merchant is a rather large cost penalty for this simplicity and it is why most medium and large merchants do not pay flat fees and pay Interchange Plus rates. Remember the payment card issuing banks will still get the ~85% and thus there has never been a tremendous amount of profit left after processor, brand usage fees and other dues paid directly to the payment card companies are factored.The Apple iWallet Revenue SystemIt is clear that the details of the negotiations Apple held directly with about 20 banks along with direct negotiations with Visa, MasterCard, American Express, Discover, China Union Pay and others will never be open public knowledge. The best one can do is to use domain experience and form a postulation. Apple is building a mobile wallet and will use a technology called Host Card Emulation housed in the Secure Enclave of the ARM processor found on the iOS device that will be used for the NFC based transaction. Under current card company (Interchange) rules these cards are considered “Card Present” transactions. The Card Present Interchange has always been the lowest cost because in practicality when a payment card is in the hand of a consumer and is swiped through a payment card terminal, the fraud and losses are signNowly lower. The “Card Not Present” fees are always higher because a stolen payment card is far easier to use when just the numbers are required and thus the Interchange is higher.It was never a debate that Apple’s NFC system would be deemed as Card Present. The negotiations with top banks and then the payment card companies were produce a consensus with all parties that there is a foundational basis for Apple to earn some portion of the Interchange. This would amount to a rebate to Apple paid directly from the banks, via the payment card companies for transactions concluded via the iWallet. One primary reason for the Apple rebate would be based on the fact that the card is more secure in the Secure Enclave, it is in most embodiments, one use tokens with the transmission system via some Verifone terminals afforded end to end encryption. thus could never be a part of any useful hack.Apple will also have a unique way to send a payment card to an App and in do this in such a manner that the transaction may qualify as a Card Present transaction. This would be accomplished through an API of sorts. There are a number of very logical use cases for this system and it will be a featured part of the Apple payments model. This system will not use NFC directly. Traditionally this would be considered a card not present transaction, however Apple’s extended negotiations may have changed this classification. There are a few other additional premises on why Apple established a rebate from the Interchange. One really important consideration to all involved on the other side of the table is the fact that Apple has a tremendous number of payment cards on file, nearly 1 billion. This could in theory make it very easy for Apple to create a new payment system and challenge all the parities. Of course Apple does not really want this and certainly the other side of the table would not want this.In the next phases of the iWallet system, Apple will send location data and other identity data to the card issuing banks to assure them that they can crosse reference the exact location of the transaction and the iOS device. This is a huge anti-fruad feature that no payment card currently offers.So as it stands today Apple is highly likely to have agreements that pass a rebate back to Apple for any iWallet transactions. There may also be a fixed amount paid to Apple fro every card loaded into the Secure Enclave.The resulting revenues can look like this:Interchange = 1.50% (assumed) Apple Rebate = 0.20% (assumed) A $100 hypothetical iWallet transactionApple iWallet revenue = $100 x 0.20% = 20¢ No Need To Change Merchant Accounts No Costs For iWallet EquipmentTo be very clear, merchants and consumers would not see any cost increases at all. Merchants do not need to sign up to any particular provider and likely pay $0 for the NFC upgrades since no payment company wants to lose a merchant over a $50 device. This is in deep contrast to companies like Square, with the now canceled Square Wallet, which required the merchant to sign up to have a Square merchant account to be a part of the closed Square wallet system. This was a huge flaw in the business premise of the Square Wallet that guaranteed a limited signNow. Apple wants the widest number of merchants and frankly knows that merchant accounts are not a business they want to be in and will never scale to the adoption level they need. Additionally, the method Square used, pay with your name, was not considered a “Card Present” transaction by the banks and thus Square absorbed higher fees for this method. This just about guaranteed the service would lose money no matter how fast or far it scaled. Apple’s brilliance is in the fact they chose to work with, rather then against, all existing relationships and procedures. They add signNow value to all participants and are being paid a reasonable amount accordingly. When the dust settles these negotiations will be recorded in business history as being a masterstroke in the same league of the negotiation Apple had with record labels and cellular companies.You and I will not need to be concerned with all of this detail, the iWallet will just work. ___[1] Interchange fee
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What is Apple Pay and why is it important?
What is ApplePay and why is it important? "It is the mark of a good action that it appears inevitable in retrospect" -Robert Louis StevensonThe Long Journey Of Apple PayInvented in the early days of 1960, the magnetic stripe payment card was almost and accidental invention with a very colorful history. It was never even conceived in the original form to do more then open a locked door. The technology was adapted and adopted along the way. On September 9th, 2014 a baton was passed from the reliable magnetic stripe payment card on to the next generation and history will record that the company that went about creating the f...
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How can we protect the right to privacy?
You're right to want to protect your privacy… you really are being watched, and a lot closer than you think!So are your children. And your parents. And everyone else you care about.It's not being done by strangers in a van peering through binoculars, no. What's actually happening is far more intrusive than what's visible through glass lenses.You probably know that vast amounts of information about you is being collected electronically, but beyond encountering eerily specific targeted ads, it's difficult for most people to grasp what's going on behind the scenes, let alone understand the present and future implications.Fortunately, just as you don't need to be a mechanic to recognize that your car's broken……you also don't need to understand the intricacies of mass data collection to know that there's big trouble brewing.Solving the problemHow do you protect yourself from hackers and mass surveillance? What approaches yield the best results? What's the best way to safeguard your digital life…?Philosophically these questions are simple because there are only two basic approaches, you can go "bright" or you can go "dark".Going bright is accomplished by generating large amounts of meaningless information, thus creating enough 'noise' that analysis systems generate nonsensical results. Broadly this is known as obfuscation. It can be very effective, but it takes a tremendous amount of work.Going dark is accomplished by using high-grade protection of both your data and the metadata about it.Both approaches can be very effective, but one is far easier than the other. What doesn't work are half-measures: you can't do just a little… to be useful these must be close to 'all or nothing' solutions.Going Bright: Generating MisinformationGoing bright means embedding your electronic activity within vast amounts of irrelevant information. The technique is simple but exceptionally time-consuming: you intentionally generate a lot of important-looking yet meaningless digital noise.The effect is to overwhelm the nasty government and corporate algorithms that parse your life to discern patterns or draw conclusions about you.That takes the form of searching topics of no consequence to you, clicking on all the ads you see, semi-random movements with your electronic devices, making random website visits, and much more.The more of this digital smoke you can generate, the better, as described in great detail in the book Obfuscation: A User’s Guide for Privacy and Protest by Finn Brunton and Helen Nissenbaum, published by the Massachusetts Institute of Technology (MIT) University press.There are even services on the internet specifically aimed at generating a huge amount of digital fog, including the aptly named RuinMySearchHistory, among others. However, these are the nuclear weapons of obfuscation, and may be a bit more powerful than most people find appropriate, with perhaps unintended side effects.All in all, rather than blinding those who spy on you like a over-wattage bulb, it's probably easier to do the opposite, by going dark…Going DarkThe cornerstones of "going dark" are anonymity and encryption.One common way of achieving anonymity on the internet is by using something called a virtual private network (or VPN, read here for a basic introduction).Instead of talking to the internet directly, your device connects to a server operated by the VPN company, and it interacts with web sites and other services on your behalf, along with hundreds or thousands of other people also using the VPN service.Therefore to a nosy website, your location on the internet is hidden because you appear to be the VPN company.Of course, if you sign into an account in such a way that you identify yourself (your bank's website, for example), they will know who you are but still won't know where you are. But if you're just casually browsing you will remain mostly anonymous.We say "mostly" anonymous because using a VPN is not enough on account of something called browser fingerprinting, and also because of something called WebRTC, which if not disabled can render your VPN useless.But if you attend to those details, a VPN can be a very effective shroud for who and where you are. But not what you say. For that you also need end-to-end encryption.EncryptionEncryption is the process of encoding information so only authorized parties can access it.Modern encryption algorithms are now so strong that when properly implemented they're secure enough to protect everything from ATM machines to government top secrets.It works so well, in fact, that it has sparked numerous debates between a government's "need to know" and individual's "right to privacy".Unfortunately, encryption isn't easy for most people to implement. And even when they can, it doesn't cover everything people do with their devices. Still, it's better than nothing. A lot better."Just because a burglar could gain access to your house by breaking a window doesn't mean you should shrug your shoulders and leave the front door unlocked at night".With products like VeraCrypt you can encrypt your files or entire disk drives, and with things like GPG you can encrypt your emails (provided those you communicate with also use it). With apps like qTox you can enjoy encrypted text and voice calls (impressively good voice quality, btw), and with a good password manager you can encrypt all your credentials (login IDs and passwords).The problem is, all this stuff is very 'techie'. It's just too challenging for an ordinary consumer to implement much of it, but at the moment these are the only choices you have.Fortunately, products that solve these problems are in development, so the landscape will change soon. In the interim, decide if you want to protect your privacy by going bright, or going dark.
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How can we be certain that Let's Encrypt does not share its root certificates with the government?
You can't. However that's no worse than any other SSL certificate. You can watch for an active attack though. Just keep watch on your SSL certificate. If the finger print changes and you didn't get a new cert than someone with the root cert issues a new one.Google chrome helps minimize this for google, it pins the google cert. So when some random CA issues a new cert and tries to trick google chrome it raises a warning. Yes this has happened more than once.
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