Biblio

Cybersecurity is important in the field of information technology. One most recent pressing issue is information security. When we think of cybersecurity, the first thing that comes to mind is cyber-attacks, which are on the rise, such as Ransomware. Various governments and businesses take a variety of measures to combat cybercrime. People are still concerned about ransomware, despite numerous cybersecurity precautions. In ransomware, the attacker encrypts the victim’s files/data and demands payment to unlock the data. Cybersecurity is a collection of tools, regulations, security guards, security ideas, guidelines, risk management, activities, training, insurance, best practices, and technology used to secure the cyber environment, organization, and user assets. This paper analyses ransomware attacks, techniques for dealing with these attacks, and future challenges.

Financial technology (Fintech) is an amalgamation of financial management using a technology system. Fintech has become a public concern because this service provides many service features to make it easier from the financial side, such as being used in cooperative financial institutions, banking and insurance. This paper will analyze the opportunities and challenges of Fintech sharia in Indonesia. By exploring the existing literature, this article will try to answer that question. This research is carried out using a literature review approach and comparative qualitative method which will determined the results of the SWOT analysis of sharia financial technology in indonesia. It is needed to mitigate risk of funding in a peer to peer method in overcoming the security of funds and data from investors, firstly companies can perform transparency on the clarity of investor funds. This is done as one of the facilities provided to investors in the Fintech application. In the future, it is hoped that in facing competition, sharia-based fintech companies must be able to provide targeted services through the socialization of sharia fintech to the public, both online and offline. Investors are expected to be more careful before investing in choosing Fintech Peer to Peer (P2P) Lending services by checking the list of Fintech lending and lending companies registered and found by the Financial Services Authority (OJK).

Cybersecurity insurance is one of the important means of cybersecurity risk management and the development of cyber insurance is inseparable from the support of cyber risk assessment technology. Cyber risk assessment can not only help governments and organizations to better protect themselves from related risks, but also serve as a basis for cybersecurity insurance underwriting, pricing, and formulating policy content. Aiming at the problem that cybersecurity insurance companies cannot conduct cybersecurity risk assessments on policyholders before the policy is signed without the authorization of the policyholder or in legal, combining with the need that cybersecurity insurance companies want to obtain network security vulnerability risk profiles of policyholders conveniently, quickly and at low cost before the policy signing, this study proposed a non-intrusive network security vulnerability risk assessment method based on ensemble machine learning. Our model uses only open source intelligence and publicly available network information data to rate cyber vulnerability risk of an organization, achieving an accuracy of 70.6% compared to a rating based on comprehensive information by cybersecurity experts.

The Network Security and Risk (NSR) management team in an enterprise is responsible for maintaining the network which includes switches, routers, firewalls, controllers, etc. Due to the ever-increasing threat of capitalizing on the vulnerabilities to create cyber-attacks across the globe, a major objective of the NSR team is to keep network infrastructure safe and secure. NSR team ensures this by taking proactive measures of periodic audits of network devices. Further external auditors are engaged in the audit process. Audit information is primarily stored in an internal database of the enterprise. This generic approach could result in a trust deficit during external audits. This paper proposes a method to improve the security and integrity of the audit information by using blockchain technology, which can greatly enhance the trust factor between the auditors and enterprises.

How can high-level directives concerning risk, cybersecurity and compliance be operationalized in the central nervous system of any organization above a certain complexity? How can the effectiveness of technological solutions for security be proven and measured, and how can this technology be aligned with the governance and financial goals at the board level? These are the essential questions for any CEO, CIO or CISO that is concerned with the wellbeing of the firm. The concept of Zero Trust (ZT) approaches information and cybersecurity from the perspective of the asset to be protected, and from the value that asset represents. Zero Trust has been around for quite some time. Most professionals associate Zero Trust with a particular architectural approach to cybersecurity, involving concepts such as segments, resources that are accessed in a secure manner and the maxim “always verify never trust”. This paper describes the current state of the art in Zero Trust usage. We investigate the limitations of current approaches and how these are addressed in the form of Critical Success Factors in the Zero Trust Framework developed by ON2IT ‘Zero Trust Innovators’ (1). Furthermore, this paper describes the design and engineering of a Zero Trust artefact that addresses the problems at hand (2), according to Design Science Research (DSR). The last part of this paper outlines the setup of an empirical validation trough practitioner oriented research, in order to gain a broader acceptance and implementation of Zero Trust strategies (3). The final result is a proposed framework and associated technology which, via Zero Trust principles, addresses multiple layers of the organization to grasp and align cybersecurity risks and understand the readiness and fitness of the organization and its measures to counter cybersecurity risks.

In recent years, new cyber attacks such as targeted attacks have caused extensive damage. With the continuing development of the IoT society, various devices are now connected to the network and are being used for various purposes. The Internet of Things has the potential to link cyber risks to actual property damage, as cyberspace risks are connected to physical space. With this increase in unknown cyber risks, the demand for cyber insurance is increasing. One of the most serious emerging risks is the silent cyber risk, and it is likely to increase in the future. However, at present, security measures against silent cyber risks are insufficient. In this study, we conducted a risk management of silent cyber risk for organizations with the objective of contributing to the development of risk management methods for new cyber risks that are expected to increase in the future. Specifically, we modeled silent cyber risk by focusing on state transitions to different risks. We newly defined two types of silent cyber risk, namely, Alteration risk and Combination risk, and conducted risk assessment. Our assessment identified 23 risk factors, and after analyzing them, we found that all of them were classified as Risk Transference. We clarified that the most effective risk countermeasure for Alteration risk was insurance and for Combination risk was measures to reduce the impact of the risk factors themselves. Our evaluation showed that the silent cyber risk could be reduced by about 50%, thus demonstrating the effectiveness of the proposed countermeasures.

The advancement of Information and Communication Technologies has brought numerous facilities and benefits to society. In this environment, surrounded by technologies, data, and personal information, have become an essential and coveted tool for many sectors. In this scenario, where a large amount of data has been collected, stored, and shared, privacy concerns arise, especially when dealing with sensitive data such as health data. The information owner generally has no control over his information, which can bring serious consequences such as increases in health insurance prices or put the individual in an uncomfortable situation with disclosing his physical or mental health. While privacy regulations, like the General Data Protection Regulation (GDPR), make it clear that the information owner must have full control and management over their data, disparities have been observed in most systems and platforms. Therefore, they are often not able to give consent or have control and management over their data. For the users to exercise their right to privacy and have sufficient control over their data, they must know everything that happens to them, where their data is, and where they have been. It is necessary that the entire life cycle, from generation to deletion of data, is managed by its owner. To this end, this article presents an Information Chain of Custody Model based on Blockchain technology, which allows from the traceability of information to the offer of tools that will enable the effective management of data, offering total control to its owner. The result showed that the prototype was very useful in the traceability of the information. With that it became clear the technical feasibility of this research.

Data generated from various dynamic applications of Internet of Things (IoT) based healthcare technology is effectively used for decision-making, providing reliable and smart healthcare services to the elderly and patients with chronic diseases. Since these precious data are susceptible to various security attacks, continuous monitoring of the system's compliance and identification of security risks in IoT data propagation is essential through potentially several layers of applications. This paper pinpoints how security-aware data provenance graphs can support compliance checking and risk estimation by including sufficient information on security controls and other security-relevant evidence. Real-time analysis of these security evidence to enable a step-wise validation and providing the evidence of this validation to end-users is currently not possible with the available data. This paper analyzes the security concerns in different phases of data propagation in a designed IoT-health scenario and promotes step-wise validation of security evidence. It proposes a system model with a novel protocol that documents and verifies evidence for security controls for data-object relations in data provenance graphs to assist compliance checking of security regulation of healthcare systems. With this regard, this paper discusses the proposed system model design with the requirements for technical safeguards of the Health Insurance Portability and Accountability Act (HIPAA). Based on the verification output at each phase, the proposed protocol reports this chain of verification by creating certain security tokens. Finally, the paper provides a formal security validation and security design analysis to show the applicability of this step-wise validation within the proposed system model.

In this paper, we present FireBugs for Finding and Repairing Bugs based on security patterns. For the common misuse patterns of cryptography APIs (crypto APIs), we encode common cryptography rules into the pattern representations for bug detection and program repair regarding cryptography rule violations. In the evaluation, we conducted a case study to assess the bug detection capability by applying FireBugs to datasets mined from both open source and commercial projects. Also, we conducted a user study with professional software engineers at Mutual of Omaha Insurance Company to estimate the program repair capability. This evaluation showed that FireBugs can help professional engineers develop various cryptographic requirements in a resilient application.

mHealth apps have a vital role in facilitation of human health management. Users have to enter sensitive health related information in these apps to fully utilize their functionality. Unauthorized sharing of sensitive health information is undesirable by the users. mHealth apps also collect data other than that required for their functionality like surfing behavior of a user or hardware details of devices used. mHealth software and their developers also share such data with third parties for reasons other than medical support provision to the user, like advertisements of medicine and health insurance plans. Existence of a comprehensive and easy to understand data privacy policy, on user data acquisition, sharing and management is a salient requirement of modern user privacy protection demands. Readability is one parameter by which ease of understanding of privacy policy is determined. In this research, privacy policies of 27 free Android, medical apps are analyzed. Apps having user rating of 4.0 and downloads of 1 Million or more are included in data set of this research.RGL, Flesch-Kincaid Reading Grade Level, SMOG, Gunning Fox, Word Count, and Flesch Reading Ease of privacy policies are calculated. Average Reading Grade Level of privacy policies is 8.5. It is slightly greater than average adult RGL in the US. Free mHealth apps have a large number of users in other, less educated parts of the World. Privacy policies with an average RGL of 8.5 may be difficult to comprehend in less educated populations.

In smart cities, data privacy and security issues of Electronic Health Record(EHR) are grabbing importance day by day as cyber attackers have identified the weaknesses of EHR platforms. Besides, health insurance companies interacting with the EHRs play a vital role in covering the whole or a part of the financial risks of a patient. Insurance companies have specific policies for which patients have to pay them. Sometimes the insurance policies can be altered by fraudulent entities. Another problem that patients face in smart cities is when they interact with a health organization, insurance company, or others, they have to prove their identity to each of the organizations/companies separately. Health organizations or insurance companies have to ensure they know with whom they are interacting. To build a platform where a patient's personal information and insurance policy are handled securely, we introduce an application of blockchain to solve the above-mentioned issues. In this paper, we present a solution for the healthcare system that will provide patient privacy and transparency towards the insurance policies incorporating blockchain. Privacy of the patient information will be provided using cryptographic tools.

The insurance business plays a quite significant role in people's lives, but in the process of claim settlement, there are still various frauds such that the insurance companies' refusal to compensate or customers' malicious fraud to obtain compensation. Therefore, it is very important to ensure fair and just claims. In this paper, by combining the blockchain technology and the ciphertext-policy attribute-based encryption system, we build a scheme for secure storage and update for insurance records under the InterPlanetary File System (IPFS) storage environment in the insurance system. In this scheme, we use the fog node to outsource encryption of insurance records to improve the efficiency of the staff; In addition, we store encrypted insurance records on IPFS to ensure the security of the storage platform and avoid the single point failure of the centralized mechanism. In addition, we use the immutability of the blockchain to achieve the non-repudiation of both insurance companies and the client. The security proof shows that the proposed scheme can achieve selective security against selected keyword attacks. Our scheme is efficient and feasible under performance analysis and real data set experiments.

With the increasing application of Information and Communication Technologies (ICTs), cyberattacks have become more prevalent against Cyber-Physical Systems (CPSs) such as the modern power grids. Various methods have been proposed to model the cybersecurity threats, but so far limited studies have been focused on the defensive strategies subject to the limited security budget. In this paper, the power supply reliability is evaluated considering the strategic allocation of defense resources. Specifically, the optimal mixed strategies are formulated by the Stackelberg Security Game (SSG) to allocate the defense resources on multiple targets subject to cyberattacks. The cyberattacks against the intrusion-tolerant Supervisory Control and Data Acquisition (SCADA) system are mathematically modeled by Semi-Markov Process (SMP) kernel. The intrusion tolerance capability of the SCADA system provides buffered residence time before the substation failure to enhance the network robustness against cyberattacks. Case studies of the cyberattack scenarios are carried out to demonstrate the intrusion tolerance capability. Depending on the defense resource allocation scheme, the intrusion-tolerant SCADA system possesses varying degrees of self-healing capability to restore to the good state and prevent the substations from failure. If more defense resources are invested on the substations, the intrusion tolerant capability can be further enhanced for protecting the substations. Finally, the actuarial insurance principle is designed to estimate transmission companies' individual premiums considering correlated cybersecurity risks. The proposed insurance premium principle is designed to provide incentive for investments on enhancing the intrusion tolerance capability, which is verified by the results of case studies.

Cyber attacks and the associated costs made cybersecurity a vital part of any system. User behavior and decisions are still a major part in the coping with these risks. We developed a model of optimal investment and human decisions with security measures, given that the effectiveness of each measure depends partly on the performance of the others. In an online experiment, participants classified events as malicious or non-malicious, based on the value of an observed variable. Prior to making the decisions, they had invested in three security measures - a firewall, an IDS or insurance. In three experimental conditions, maximal investment in only one of the measures was optimal, while in a fourth condition, participants should not have invested in any of the measures. A previous paper presents the analysis of the investment decisions. This paper reports users' classifications of events when interacting with these systems. The use of security mechanisms helped participants gain higher scores. Participants benefited in particular from purchasing IDS and/or Cyber Insurance. Participants also showed higher sensitivity and compliance with the alerting system when they could benefit from investing in the IDS. Participants, however, did not adjust their behavior optimally to the security settings they had chosen. The results demonstrate the complex nature of risk-related behaviors and the need to consider human abilities and biases when designing cyber security systems.

Tremendous amount of research is going on in the field of Intelligent vehicles (IVs)in industries and academics. Although, IV supports a better convenience for the society, but it also suffers from some concerns. Security is the major concern in Intelligent vehicle technology, due to its high exposure to data and information communication. The environment of the IV communication has many security vulnerabilities, which cannot be solved by Traditional Security approaches due to their fixed capabilities. Among security, trust, data accuracy and reliability of communication data in the communication channel are the other issues in IV communication. Blockchain is a peer-to-peer, distributed and decentralized technology which is used by the digital currency Bit-coin, to build trust and reliability and it has capability and is feasible to use Blockchain in IV Communication. In this paper, we propose, Blockchain based crypto Trust point (cTp) mechanism for IV communication. Using cTp in the IVs communication environment can provide IV data security and reliability. cTp mechanism accounts for the legitimate and illegitimate vehicles behavior, and rewarding thereby building trust among the vehicles. We also propose a reward based system using cTp (exchange of some cTp among IVs, during successful communication). We use blockchain technology in the Intelligent Transportation System (ITS) for the data management of the cTp. Using ITS, cTp details of every vehicle can be accessed ubiquitously by IVs. We evaluation, our proposal using the intersection use case scenario for intelligent vehicles communication.

In recent years, data published and shared with third parties to develop artificial intelligence (AI) tools and services has significantly increased. When there are regulatory or internal requirements regarding privacy of data, anonymization techniques are used to maintain privacy by transforming the data. The side-effect is that the anonymization may lead to useless data to train and test the AI because it is highly dependent on the quality of the data. To overcome this problem, we propose a test-driven anonymization approach for artificial intelligence tools. The approach tests different anonymization efforts to achieve a trade-off in terms of privacy (non-functional quality) and functional suitability of the artificial intelligence technique (functional quality). The approach has been validated by means of two real-life datasets in the domains of healthcare and health insurance. Each of these datasets is anonymized with several privacy protections and then used to train classification AIs. The results show how we can anonymize the data to achieve an adequate functional suitability in the AI context while maintaining the privacy of the anonymized data as high as possible.

The article focuses on Personal Data Cyber Security Systems. These systems are the critical components for Health Information Management Systems of Public Health enterprises. The purpose of this article is to inform and provide the reader with Personal Data Cyber Security Legislation and Regulation in Public Health Sector and enlighten him with the Information Systems that were designed and implemented for Personal Data Cyber Security in Public Health.

Blackboxes are being increasingly used in the vehicular context to store and transmit information related to safety, security and many other applications. The plethora of sensors available at the different parts of the vehicle can provide enriched gathering of the data related to these applications. Nonetheless, to support multiple use cases, the blackbox must be accessible by various actors (e.g. vehicle owner, insurance company, law enforcement authorities). This raises significant challenges regarding the privacy of the data collected and stored in the blackbox. In fact, these data can often lead to tracing back accurate facts about the behaviour of the owner of the vehicle. To cope with this problem, we propose a new blackbox architecture supporting searchable encryption. This feature allows multiple users who are not able to decipher the content of the blackbox to validate properties such as path traceback and velocity. To illustrate the implementation of the proposed technique in practice, we discuss a case study related to post-accident processing by insurance companies.

Cyber insurance is a viable method for cyber risk transfer. However, the cyber insurance faces critical challenges, the most important of which is lack of statistical data. In this paper, we proposed an incentive model considering monitoring signals for cybersecurity information haring based on the principal-agent theory. We studied the effect of monitoring signals on increasing the rationality of the incentive contract and reducing moral hazard in the process of cybersecurity information sharing, and analyzed factors influencing the effectiveness of the incentive contract. We show that by introducing monitoring signals, the insurer can collect more information about the effort level of the insured, and encourage the insured to share cybersecurity information based on the information sharing output and monitoring signals of the effort level, which can not only reduce the blindness of incentive to the insured in the process of cybersecurity information sharing, but also reduce moral hazard.

The following topics are dealt with: security of data; risk management; decision making; computer crime; invasive software; critical infrastructures; data privacy; insurance; Internet of Things; learning (artificial intelligence).

With the capability of support mobile computing demand with small delay, fog computing has gained tremendous popularity. Nevertheless, its highly virtualized environment is vulnerable to cyber attacks such as emerging Advanced Persistent Threats attack. In this paper, we propose a novel approach of cyber risk management for the fog computing platform. Particularly, we adopt the cyber-insurance as a tool for neutralizing cyber risks from fog computing platform. We consider a fog computing platform containing a group of fog nodes. The platform is composed of three main entities, i.e., the fog computing provider, attacker, and cyber-insurer. The fog computing provider dynamically optimizes the allocation of its defense computing resources to improve the security of the fog computing platform. Meanwhile, the attacker dynamically adjusts the allocation of its attack resources to improve the probability of successful attack. Additionally, to prevent from the potential loss due to attacks, the provider also makes a dynamic decision on the purchases ratio of cyber-insurance from the cyber-insurer for each fog node. Thereafter, the cyber-insurer accordingly determines the premium of cyber-insurance for each fog node. In our formulated dynamic Stackelberg game, the attacker and provider act as the followers, and the cyber-insurer acts as the leader. In the lower level, we formulate an evolutionary subgame to analyze the provider's defense and cyber-insurance subscription strategies as well as the attacker's attack strategy. In the upper level, the cyber-insurer optimizes its premium determination strategy, taking into account the evolutionary equilibrium at the lower-level evolutionary subgame. We analytically prove that the evolutionary equilibrium is unique and stable. Moreover, we provide a series of insightful analytical and numerical results on the equilibrium of the dynamic Stackelberg game.

Recently, digital transactions in real estate, insurance, etc. have become popular, and researchers are actively studying digital signatures as a method for distinguishing individuals. However, existing digital signature systems have different methods for making signatures depending on the platform and device, and because they are used on platforms owned by corporations, they have the disadvantage of being highly platform-dependent and having low software extensibility. Therefore, in this paper we have analyzed existing digital signature systems and designed a heterogeneous integrated digital signature system which has per-user contract management features and can guarantee platform independence and increase the ease of software extension and maintenance by using a browser environment.

Several defect prediction models proposed are effective when historical datasets are available. Defect prediction becomes difficult when no historical data exist. Cross-project defect prediction (CPDP), which uses projects from other sources/companies to predict the defects in the target projects proposed in recent studies has shown promising results. However, the performance of most CPDP approaches are still beyond satisfactory mainly due to distribution mismatch between the source and target projects. In this study, a credibility theory based Naïve Bayes (CNB) classifier is proposed to establish a novel reweighting mechanism between the source projects and target projects so that the source data could simultaneously adapt to the target data distribution and retain its own pattern. Our experimental results show that the feasibility of the novel algorithm design and demonstrate the significant improvement in terms of the performance metrics considered achieved by CNB over other CPDP approaches.

Android "Health-DR." is innovative idea for ambulatory appliances. In rapid developing technology, we are providing "Health-DR." application for the insurance agent, dispensary, patients, physician, annals management (security) for annals. So principally, the ample of record are maintain in to the hospitals. The application just needs to be installed in the customer site with IT environment. Main purpose of our application is to provide the healthy environment to the patient. Our cream focus is on the "Health-DR." application meet to the patient regiment. For the personal use of member, we provide authentication service strategy for "Health-DR." application. Prospective strategy includes: Professional Authentications (User Authentication) by doctor to the patient, actuary and dispensary. Remote access is available to the medical annals, doctor affability and patient affability. "Health-DR." provides expertness anytime and anywhere. The application is middleware to isolate the information from affability management, client discovery and transit of database. Annotations of records are kept in the bibliography. Mainly, this paper focuses on the conversion of E-Health application with flexible surroundings.