Attention!!!

This is Skywaylenders Investments Company an online shares and loan financing firm

We offer you Quik and easy oppurtuninty to asses Loan online with our Fast Trading Option
which is as low as 3 percent on payable interest . We believe that you can asses funds quickly and affordable without going through the usual stress of the other financial Institutions.

Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that we render reliable beneficiary assistance and we'll be glad to offer you a loan based on the international monetary funds accredited terms of online transaction.

 Our Services Rendered include;

*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans

We also offer  First Morgage and Car loans but this is in collaboration with your employee or Bank.

We are aware of the risk of online business transaction and we hope that you will be a legitimate borrower as we assure you of our sincere business dealings.

NOTE: YOU HAVE THE RIGHT TO QUESTION OUR LEGITIMACY SO DO NOT HESSITATE TO DO SO IF AND WHEN YOU ARE IN DOUBT

Please write back if interested. Upon Response, you'll be mailed a Loan application form to fill

We will be happy to send you our e-funding online manual at no extra cost to you.

Contact us via email== skywaylenders@gmail.com or contact Mr Anthony Briggs== anthony.briggs080@gmail.com

.We Look forward to doing profitable business with you

Sincerely,

Mr Anthony Briggs
Skywaylenders Investment Company

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Online FRAUD The Not-So-Subtle Menace of Brandjacking

Regardless of the size of a business, the level of consumer confidence and trust in its brand is critical-especially on the Internet where a company's reputation is often in direct correlation to their share of the market. So says Portland, Oregonbased iovation, Inc., when referring to recent studies that found consumers bought more from online sellers with a good brand reputation. Brand confidence is so compelling that customers are increasingly willing to buy from unproven sources in order to obtain discounted rates on their favorite brands. Unfortunately, this loyalty has led to a counterfeit pandemic that includes everything from stocks and bonds to dangerous, uncertified, pharmaceuticals.

What is Brandjacking?

Brandjacking, as defined by MarkMonitor, Inc., is the criminal act of hijacking strong brands for profit. Brandjackers know the rules of online marketing and areexploiting them to their own advantage, at the expense of the true brand owners. As a result, brand owners constantly face threats to their reputations, customer relationships, and, ultimately, their revenues.

In order to shed light on the brandjacking phenomenon, MarkMonitor created the Brandjacking Index, a quarterly report that measures the effect of online threats to brands. In its Q1 2007 Brandjacking Index, the company found over 286,000 instances of cybersquatting-the practice of registering, trafficking in, or using a domain name with bad-faith intent to profit from the goodwill of a legitimate trademark. The study found that both traditional and Internet-based media are especially attractive targets, drawing 31 percent of brand abuse. Since these brands' Web properties are some of the most heavily trafficked Internet sites, they draw the most abuse in the form of cybersquatting and false associations-resulting in lost revenue and wasted advertising costs. "Media is unsurprisingly one of the largest targets for brand abuse," said John LaCour, director of product management for antiphishing solutions at MarkMonitor.

The study also found that phishing continues to be a significant problem, with a 104 percent jump in annual attacks in Q1-07. Phishers actively avoided browser- based consumer protection technology evidenced by the more than 300,000 unique URLs used in phishing attacks. The findings suggest that brandjackers employ elaborate, multi-pronged assaults on the most recognized companies and their associated brands.

Brandjacking and Phishing

In 2006 the Anti-Phishing Working Group (APWG) reported more than 200,000 unique phishing websites set up to attack unsuspecting consumers. "In the online environment, brandjacking is perpetrated through phishing," says Jon Karl, founder and vice president of business development for iovation. "Financial institutions and major eCommerce sites are often the primary victims. Customers are lured to fake sites where they provide their login credentials. It is difficult to determine if these sites are real or bogus, unless the site has provided some form of authentication that allows the consumer to lock their account."

Richi Jennings, lead analyst of email security practice for Ferris Research, notes that phishers target businesses of all sizes. "While indiscriminate, bulk attacks work best against large targets (e.g. Bank Of America), more targeted attacks can get results against smaller targets."

iovation offers solutions to help online businesses protect their customers and their own brand's reputation from abusive behavior. According to Karl, fraud is any form of abusive behavior and can include consumer credit and eCommerce fraud, identity theft, and click fraud. Click fraud is a type of Internet crime that occurs when a person, automated script, or computer program imitates a legitimate user clicking on an online ad for the purpose of generating a charge per click, without having any real interest in the site, products, or services. Click fraud abuse has become so prevalent that it is the subject of increasing litigation and has become a felony in many jurisdictions. For example, in California it is covered by Penal code 502 and in the United Kingdom, under the Computer Misuse Act 1990.

Aimed at preserving sender reputation, iovation offers Reputation-Manager, a solution that combines iovation's device identification and reputation management platform designed to protect online businesses against fraud and abuse. ReputationManager works by exposing criminals by uncovering hidden associations, such as multiple devices accessing a common account or a single device used to access multiple accounts. Once uncovered, if a device or account is flagged as engaging in fraudulent activity, all associated devices and accounts are flagged. Once the device has been associated with fraud or abuse in iovation's system, it becomes blacklisted.

Karl believes that consumers care a great deal about buying from reputable sources with honorable reputations, noting that companies worldwide need to implement effective solutions to preserve them. He adds, "Providing a solution that gives consumers this assurance is needed. Organizations outside of the U.S. have long known the importance of this type of technology, but recently, interest in the U.S. is picking up, which is very good news for consumers. I think this is an indicator that organizations across the board are beginning to connect the dots with protecting both consumers and the reputations of their brands."

In its Q1 2007 Brandjacking Index, MarkMonitor found over 286,000 instances of cybersquatting-the practice of registering, trafficking in, or using a domain name with bad-faith intent to profit from the goodwill of a legitimate trademark.

Threat vs. Response

MarkMonitor believes that successful brand protection requires a broad-based approach as opposed to piecemeal solutions. "The growing scale and diversity of Internet exploits requires an integrated, end-to-end full lifecycle approach to online brand protection management," explains LaCour, who ranks the following as key to online fraud prevention:

• Securing domain names relevant to a company's name and products
• Monitoring the use of trademarks online
• Identifying gray market channels where counterfeiters sell knockoffs
• Countering the threat of phishing

Jennings explains that managing domain names is about much more than securing the .com associated with an organization. He points to the Domain Assurance Council (DAC), a trade body representing organizations that certify or accredit email sending organizations and customers of those organizations. Examples of such organizations include Habeas Inc. and Goodmail Systems, whose customers are typically ISPs and spam control technology vendors.

certify or accredit email sending organizations and customers of those organizations. Examples of such organizations include Habeas Inc. and Goodmail Systems, whose customers are typically ISPs and spam control technology vendors.

The standard developed by DAC will be known as Vouch By Reference (VBR). Using VBR, a receiving system would be able to look up the domain of the sender and decide if it wishes to receive an incoming message. As Jennings explains, VBR could also allow organizations within vertical industries to vouch for other organizations in the same industry (e.g., the pharmaceutical industry). The theory is that organizations in vertical markets know each other so that if one is sending spam, then its competitors are likely the first to find out about it. VBR will create a market for organizations that vouch for domains, allowing its members to compete with minimum friction. "That's because VBR will also allow customers to switch providers, i.e., there will be no lock-in to a proprietary provider," Jennings concludes.

Brand Protection

According to MarkMonitor, a successful brand protection program requires that companies establish strong identity ownership rights globally; monitor broadly for brand abuse across all Internet media; implement solutions that detect and prioritize the most serious abuse; and respond rapidly, appropriately and cost-effectively to each type of abuse. MarkMonitor's suite of online brand protectionsolutions is designed to automate the workflow and assist corporations in creating, monitoring, and protecting their brands wherever they may appear on the Internet.

LaCour points out that the best and most frequently updated vendor solutions will offer a level of defense against online crime. The sheer number of avenues available for exploitation shows that brand often puts criminals ahead in the game of threat vs. response. Because brandjackers find the economic incentives to target large companies are substantial, LaCour believes, "Brand owners have to rely on themselves for enforcement, because regulation by government and non-governmental organizations is insufficient to protect companies and their customers."

Larry Clinton, president of the Internet Security Alliance (ISA) adds that technology alone will not solve our online woes and feels that it all begins with making online crime unattractive to criminals. "Technology is not enough to bring security and trust to electronic transactions. We need good global laws and regulations. Criminals need to know they can be extradited from any country where they break the law. For global e-commerce to flourish, we need to know that the availability and integrity of information provided by businesses is maintained at the highest levels, no matter where it's created." MB/TMP

Four Tips to Combat Online Fraud

1. Have an online marketing policy. Organizations should implement online marketing and channel initiatives in a consistent manner to enforce the brand and help expose brand abuses. These policies should also be communicated and enforced with business partners too.
2. Have a clear and consistent domain name strategy. Implement defensive domain name registrations to prevent improper use. Register obvious variations of your company and/or brand name. For example: paypal-service, paypal_support, apple_store, appleitunes, etc.
3. Protect the email channel. Implement a solution such as Domain Keys Identified Mail (DKIM) and/or Sender-ID. This will mitigate phishing and unauthorized email solicitations.
4. Within the organization, establish a program and function dedicated to combating online fraud. The program should include proactive detection of fraud and appropriate response plans. MB/TMP

Source: MarkMonitor

Protecting Your Business Against Online Fraud: Things to Know

Successful brand protection requires constant care. "Given ever-changing online fraud techniques, staying ahead of fraudsters without impacting legitimate customers can be an on-going challenge," warns Jon Karl, founder and vice president of business development for iovation. When using device identification and reputation technologies to fight online fraud, Karl believes that organizations should ask the following questions:

• Does it work well as a stand-alone solution, yet also complement existing tools?
• Does it scale for real-time fraud prevention?
• Does it offer forensic analysis and reporting, including velocity and suspicious activity reports?
• Does it have the ability to efficiently expose and shut down entire fraud rings?
• Does it have proven accuracy in its underlying device identification technology?
• Does it provide a range of device identification options to address differences in client environments?
• Does it have a proven fraud prevention track record and negligible false positives?
• Does it have the ability to maintain the reputation of known devices and accounts?
• Can it share fraud information across multiple subscribers' Web sites and applications?
• Does it offer high resistance to attacks?
• Does it provide flexible integration options for supporting online processes and workflows? MB/TMP

What precautions should be made while doing online transaction through the Internet?

1. Misuse of Internet Access Accounts

   It is quite common for criminals to get hold of other users' accounts on the Internet. The main purpose is to avoid billing or to act with other people's identity for different reasons, such as :

   • Abuse of Internet Service (Identity / Password Theft)
   • Abuse of Online Game Service

   In Hong Kong, the popularity of online PC games has increased tremendously over the past year, especially amongst youngsters whose security awareness on the use of Internet is relatively low. This increase in the use of Internet and the poor security awareness have lead to the increase of abusive use of the on-line game services.

   Safety Tips

   • Password Control:-
     • Do choose a password of length more than 6 characters. Mixing letters and numbers in a random manner is a good idea.
     • Do change your password periodically to prevent password hacking. Default passwords and passwords generated by others should be changed promptly.
     • Do remember to log off system when you leave or finish with the Internet in public places, such as school, library, or cafe.
     • Don't disclose your user ID or password.
     • Don't share account with others.
     • Don't use your personal information for your password, e.g. your name, address, birthday, etc.
     • Don't give away your user ID or password when completing an on-line form.
     • Don't store your password in the browser, or leave it around, in particular near the computer.
     • Don't reuse passwords.
   • You can't be sure what your kids and their friends are doing. This is very important if you are using Internet banking. If something goes wrong, your bank will probably not accept losses if you share your password with someone else, even if it is a family member.
   1. Online Theft

      As a result of advances in technology, stealing of information stored in computer has become an increasingly popular method for criminals to make money, such as cash in your e-banking account, on-line game tokens or points which you have attained when playing online games etc. The following criminal activities are commonly encountered:

   2. Abusive Use of Password (Theft of Personal Identity Number(PIN))

      Identity theft involves stealing or hijacking of the Internet identity (password) of another person - or in some cases of a business ¡V for the purpose of illegal use of Internet service or to impersonate for commission of other crimes.

      Besides, the thief of password, especially for those who use one password for all their Internet services, can lead to the taking over of the victim's financial accounts, open new bank accounts, transfer bank balances, apply for loans, credit cards and other services, purchase vehicles, take luxury vacations, which leads to various offences such as fraud, theft and others.

      Safety Tips

      Review and remember the following points to avoid becoming an easy target:

      • Sign all credit cards when you receive them
      • Never loan your credit cards to anyone
      • Cancel credit cards you do not use and keep a list of the ones you use regularly
      • Immediately report lost or stolen credit cards and any discrepancies in your monthly statements to the issuing credit card company
      • Never leave receipts at bank machines, bank wickets, in trashcans, or at unattended gasoline pumps; ensure you destroy paperwork you no longer need
      • Never provide personal information such as SIN, date of birth, credit card numbers, or PIN over the telephone unless you initiate the call
      • Remove mail from your ¡¥secure' mailbox after delivery and do not leave pieces of mail lying around your residence or work site
      • Shred or otherwise destroy pre-approved credit card applications, credit card receipts, bills and related information when no longer needed
      • Avoid keeping a written record of your bank PIN number(s) and other passwords, and never keep this information in your wallet or hand bag

   3. Online Games Theft (Theft of virtual Property)

      In Hong Kong, the popularity of online PC games has increased tremendously over the past year, especially amongst youngsters whose security awareness on the use of Internet is relatively low. Many of the games offer virtual weapons which can be purchased by players. The higher level you attained in the game with your virtual weapon, the more monetary value your weapon is worth.

      Recently, there are increasing number of complaints regarding virtual weapons being stolen from online game players' account. Some complaints also refer to online gaming accounts being misused thus accumulating large sums to the victims' monthly bills. From the Police's enquiry, there are several ways in which the culprits could have stolen the virtual weapons or misuse the accounts:-

      • Social Engineering - victims could have revealed their user ID or passwords to their online game partners or even to close friends thus allowing their accounts to be abused by the culprits
      • Plug-ins - Some victims revealed that they have downloaded plug-in programs for online games so that the game can be set at "auto play" mode. These plug-ins are often downloaded from unknown sources and some may contain hacking program such as Trojan Horse.

      Safety Tips

      • Password control
      • Never download software from unknown sources

   4. Theft of Corporate Information

      The advance of technology has created a paperless environment in most offices with most of the corporate information such as staff details, accounting information, confidential projects etc. stored in the companies computer systems. Recently, there have been complaints from employers that their ex-employees have taken corporate information when they left the company. There have also been cases where ex-employees have hacked into the companies' computer systems to look at the boss's e-mails. To prevent this from happening, implementing a set of information security policy is essential.

      Safety Tips

      • Upgrade anti-virus protection at least every two weeks
      • Classify all essential information
      • Upgrade all operating systems and applications files frequently, using the security patches provided by the developers
      • Back up all data files regularly and store the backup files in a secure location off-site
      • Provide security training for all personnel who use workstations or deal with sensitive paper files
      • Shred all sensitive paper documents (anything containing payroll, personnel, financial or corporate data) before recycling or disposing

   5. Internet Banking Theft

      Since the launch of Internet banking services in Hong Kong, there have been several cases of Internet banking theft where money was stolen from victims¡¦ Internet banking account. Similar to Internet shopping, Internet banking is safe providing the end-user security is up to standard. In most of the Internet banking theft, the end-user¡¦s bank PIN or password have been stolen by the culprits through social engineering processes such as picking of bank document from letter box, victim wrote down his bank particulars with PIN in his notebook that is later lost and picked by culprit, or victim receiving phone calls from culprit claiming to be bank staff and victim disclosed his PIN to the culprit over the phone, etc. In some overseas countries, victim¡¦s computer system was being infected by Trojan Horse programs thus allowing culprits to capture the user IDs and passwords, however, this has not been surfaced in Hong Kong.

      Safety Tips

      • Click here

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Hello

This is a great offer from Skyway Lenders.

We offer you the opportunity to asses  funds  for  any of your academic Programs.

Do you want to pay your fees, buy some really  expensive  academic material, or  take that
long anticipated  academic vacation, excursion  or  research.

You do not need credit cards, collateral, or bank statement. What we require  is just your  school registration  number

GREAT isn't  it

Well you may be wondering how this can be possible.

Its simple. We pay you  now what  your  government  will  pay you later.

If you are interested please mail your interest to  Skywaylenders@gmail.com