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• Fraud Detection with the SQL Server Suite Part 1

  - by Dejan Sarka

  While working on different fraud detection projects, I developed my own approach to the solution for this problem. In my PASS Summit 2013 session I am introducing this approach. I also wrote a whitepaper on the same topic, which was generously reviewed by my friend Matija Lah. In order to spread this knowledge faster, I am starting a series of blog posts which will at the end make the whole whitepaper. Abstract With the massive usage of credit cards and web applications for banking and payment processing, the number of fraudulent transactions is growing rapidly and on a global scale. Several fraud detection algorithms are available within a variety of different products. In this paper, we focus on using the Microsoft SQL Server suite for this purpose. In addition, we will explain our original approach to solving the problem by introducing a continuous learning procedure. Our preferred type of service is mentoring; it allows us to perform the work and consulting together with transferring the knowledge onto the customer, thus making it possible for a customer to continue to learn independently. This paper is based on practical experience with different projects covering online banking and credit card usage. Introduction A fraud is a criminal or deceptive activity with the intention of achieving financial or some other gain. Fraud can appear in multiple business areas. You can find a detailed overview of the business domains where fraud can take place in Sahin Y., & Duman E. (2011), Detecting Credit Card Fraud by Decision Trees and Support Vector Machines, Proceedings of the International MultiConference of Engineers and Computer Scientists 2011 Vol 1. Hong Kong: IMECS. Dealing with frauds includes fraud prevention and fraud detection. Fraud prevention is a proactive mechanism, which tries to disable frauds by using previous knowledge. Fraud detection is a reactive mechanism with the goal of detecting suspicious behavior when a fraudster surpasses the fraud prevention mechanism. A fraud detection mechanism checks every transaction and assigns a weight in terms of probability between 0 and 1 that represents a score for evaluating whether a transaction is fraudulent or not. A fraud detection mechanism cannot detect frauds with a probability of 100%; therefore, manual transaction checking must also be available. With fraud detection, this manual part can focus on the most suspicious transactions. This way, an unchanged number of supervisors can detect significantly more frauds than could be achieved with traditional methods of selecting which transactions to check, for example with random sampling. There are two principal data mining techniques available both in general data mining as well as in specific fraud detection techniques: supervised or directed and unsupervised or undirected. Supervised techniques or data mining models use previous knowledge. Typically, existing transactions are marked with a flag denoting whether a particular transaction is fraudulent or not. Customers at some point in time do report frauds, and the transactional system should be capable of accepting such a flag. Supervised data mining algorithms try to explain the value of this flag by using different input variables. When the patterns and rules that lead to frauds are learned through the model training process, they can be used for prediction of the fraud flag on new incoming transactions. Unsupervised techniques analyze data without prior knowledge, without the fraud flag; they try to find transactions which do not resemble other transactions, i.e. outliers. In both cases, there should be more frauds in the data set selected for checking by using the data mining knowledge compared to selecting the data set with simpler methods; this is known as the lift of a model. Typically, we compare the lift with random sampling. The supervised methods typically give a much better lift than the unsupervised ones. However, we must use the unsupervised ones when we do not have any previous knowledge. Furthermore, unsupervised methods are useful for controlling whether the supervised models are still efficient. Accuracy of the predictions drops over time. Patterns of credit card usage, for example, change over time. In addition, fraudsters continuously learn as well. Therefore, it is important to check the efficiency of the predictive models with the undirected ones. When the difference between the lift of the supervised models and the lift of the unsupervised models drops, it is time to refine the supervised models. However, the unsupervised models can become obsolete as well. It is also important to measure the overall efficiency of both, supervised and unsupervised models, over time. We can compare the number of predicted frauds with the total number of frauds that include predicted and reported occurrences. For measuring behavior across time, specific analytical databases called data warehouses (DW) and on-line analytical processing (OLAP) systems can be employed. By controlling the supervised models with unsupervised ones and by using an OLAP system or DW reports to control both, a continuous learning infrastructure can be established. There are many difficulties in developing a fraud detection system. As has already been mentioned, fraudsters continuously learn, and the patterns change. The exchange of experiences and ideas can be very limited due to privacy concerns. In addition, both data sets and results might be censored, as the companies generally do not want to publically expose actual fraudulent behaviors. Therefore it can be quite difficult if not impossible to cross-evaluate the models using data from different companies and different business areas. This fact stresses the importance of continuous learning even more. Finally, the number of frauds in the total number of transactions is small, typically much less than 1% of transactions is fraudulent. Some predictive data mining algorithms do not give good results when the target state is represented with a very low frequency. Data preparation techniques like oversampling and undersampling can help overcome the shortcomings of many algorithms. SQL Server suite includes all of the software required to create, deploy any maintain a fraud detection infrastructure. The Database Engine is the relational database management system (RDBMS), which supports all activity needed for data preparation and for data warehouses. SQL Server Analysis Services (SSAS) supports OLAP and data mining (in version 2012, you need to install SSAS in multidimensional and data mining mode; this was the only mode in previous versions of SSAS, while SSAS 2012 also supports the tabular mode, which does not include data mining). Additional products from the suite can be useful as well. SQL Server Integration Services (SSIS) is a tool for developing extract transform–load (ETL) applications. SSIS is typically used for loading a DW, and in addition, it can use SSAS data mining models for building intelligent data flows. SQL Server Reporting Services (SSRS) is useful for presenting the results in a variety of reports. Data Quality Services (DQS) mitigate the occasional data cleansing process by maintaining a knowledge base. Master Data Services is an application that helps companies maintaining a central, authoritative source of their master data, i.e. the most important data to any organization. For an overview of the SQL Server business intelligence (BI) part of the suite that includes Database Engine, SSAS and SSRS, please refer to Veerman E., Lachev T., & Sarka D. (2009). MCTS Self-Paced Training Kit (Exam 70-448): Microsoft® SQL Server® 2008 Business Intelligence Development and Maintenance. MS Press. For an overview of the enterprise information management (EIM) part that includes SSIS, DQS and MDS, please refer to Sarka D., Lah M., & Jerkic G. (2012). Training Kit (Exam 70-463): Implementing a Data Warehouse with Microsoft® SQL Server® 2012. O'Reilly. For details about SSAS data mining, please refer to MacLennan J., Tang Z., & Crivat B. (2009). Data Mining with Microsoft SQL Server 2008. Wiley. SQL Server Data Mining Add-ins for Office, a free download for Office versions 2007, 2010 and 2013, bring the power of data mining to Excel, enabling advanced analytics in Excel. Together with PowerPivot for Excel, which is also freely downloadable and can be used in Excel 2010, is already included in Excel 2013. It brings OLAP functionalities directly into Excel, making it possible for an advanced analyst to build a complete learning infrastructure using a familiar tool. This way, many more people, including employees in subsidiaries, can contribute to the learning process by examining local transactions and quickly identifying new patterns.

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• Fraud Detection with the SQL Server Suite Part 2

  - by Dejan Sarka

  This is the second part of the fraud detection whitepaper. You can find the first part in my previous blog post about this topic. My Approach to Data Mining Projects It is impossible to evaluate the time and money needed for a complete fraud detection infrastructure in advance. Personally, I do not know the customer’s data in advance. I don’t know whether there is already an existing infrastructure, like a data warehouse, in place, or whether we would need to build one from scratch. Therefore, I always suggest to start with a proof-of-concept (POC) project. A POC takes something between 5 and 10 working days, and involves personnel from the customer’s site – either employees or outsourced consultants. The team should include a subject matter expert (SME) and at least one information technology (IT) expert. The SME must be familiar with both the domain in question as well as the meaning of data at hand, while the IT expert should be familiar with the structure of data, how to access it, and have some programming (preferably Transact-SQL) knowledge. With more than one IT expert the most time consuming work, namely data preparation and overview, can be completed sooner. I assume that the relevant data is already extracted and available at the very beginning of the POC project. If a customer wants to have their people involved in the project directly and requests the transfer of knowledge, the project begins with training. I strongly advise this approach as it offers the establishment of a common background for all people involved, the understanding of how the algorithms work and the understanding of how the results should be interpreted, a way of becoming familiar with the SQL Server suite, and more. Once the data has been extracted, the customer’s SME (i.e. the analyst), and the IT expert assigned to the project will learn how to prepare the data in an efficient manner. Together with me, knowledge and expertise allow us to focus immediately on the most interesting attributes and identify any additional, calculated, ones soon after. By employing our programming knowledge, we can, for example, prepare tens of derived variables, detect outliers, identify the relationships between pairs of input variables, and more, in only two or three days, depending on the quantity and the quality of input data. I favor the customer’s decision of assigning additional personnel to the project. For example, I actually prefer to work with two teams simultaneously. I demonstrate and explain the subject matter by applying techniques directly on the data managed by each team, and then both teams continue to work on the data overview and data preparation under our supervision. I explain to the teams what kind of results we expect, the reasons why they are needed, and how to achieve them. Afterwards we review and explain the results, and continue with new instructions, until we resolve all known problems. Simultaneously with the data preparation the data overview is performed. The logic behind this task is the same – again I show to the teams involved the expected results, how to achieve them and what they mean. This is also done in multiple cycles as is the case with data preparation, because, quite frankly, both tasks are completely interleaved. A specific objective of the data overview is of principal importance – it is represented by a simple star schema and a simple OLAP cube that will first of all simplify data discovery and interpretation of the results, and will also prove useful in the following tasks. The presence of the customer’s SME is the key to resolving possible issues with the actual meaning of the data. We can always replace the IT part of the team with another database developer; however, we cannot conduct this kind of a project without the customer’s SME. After the data preparation and when the data overview is available, we begin the scientific part of the project. I assist the team in developing a variety of models, and in interpreting the results. The results are presented graphically, in an intuitive way. While it is possible to interpret the results on the fly, a much more appropriate alternative is possible if the initial training was also performed, because it allows the customer’s personnel to interpret the results by themselves, with only some guidance from me. The models are evaluated immediately by using several different techniques. One of the techniques includes evaluation over time, where we use an OLAP cube. After evaluating the models, we select the most appropriate model to be deployed for a production test; this allows the team to understand the deployment process. There are many possibilities of deploying data mining models into production; at the POC stage, we select the one that can be completed quickly. Typically, this means that we add the mining model as an additional dimension to an existing DW or OLAP cube, or to the OLAP cube developed during the data overview phase. Finally, we spend some time presenting the results of the POC project to the stakeholders and managers. Even from a POC, the customer will receive lots of benefits, all at the sole risk of spending money and time for a single 5 to 10 day project: The customer learns the basic patterns of frauds and fraud detection The customer learns how to do the entire cycle with their own people, only relying on me for the most complex problems The customer’s analysts learn how to perform much more in-depth analyses than they ever thought possible The customer’s IT experts learn how to perform data extraction and preparation much more efficiently than they did before All of the attendees of this training learn how to use their own creativity to implement further improvements of the process and procedures, even after the solution has been deployed to production The POC output for a smaller company or for a subsidiary of a larger company can actually be considered a finished, production-ready solution It is possible to utilize the results of the POC project at subsidiary level, as a finished POC project for the entire enterprise Typically, the project results in several important “side effects” Improved data quality Improved employee job satisfaction, as they are able to proactively contribute to the central knowledge about fraud patterns in the organization Because eventually more minds get to be involved in the enterprise, the company should expect more and better fraud detection patterns After the POC project is completed as described above, the actual project would not need months of engagement from my side. This is possible due to our preference to transfer the knowledge onto the customer’s employees: typically, the customer will use the results of the POC project for some time, and only engage me again to complete the project, or to ask for additional expertise if the complexity of the problem increases significantly. I usually expect to perform the following tasks: Establish the final infrastructure to measure the efficiency of the deployed models Deploy the models in additional scenarios Through reports By including Data Mining Extensions (DMX) queries in OLTP applications to support real-time early warnings Include data mining models as dimensions in OLAP cubes, if this was not done already during the POC project Create smart ETL applications that divert suspicious data for immediate or later inspection I would also offer to investigate how the outcome could be transferred automatically to the central system; for instance, if the POC project was performed in a subsidiary whereas a central system is available as well Of course, for the actual project, I would repeat the data and model preparation as needed It is virtually impossible to tell in advance how much time the deployment would take, before we decide together with customer what exactly the deployment process should cover. Without considering the deployment part, and with the POC project conducted as suggested above (including the transfer of knowledge), the actual project should still only take additional 5 to 10 days. The approximate timeline for the POC project is, as follows: 1-2 days of training 2-3 days for data preparation and data overview 2 days for creating and evaluating the models 1 day for initial preparation of the continuous learning infrastructure 1 day for presentation of the results and discussion of further actions Quite frequently I receive the following question: are we going to find the best possible model during the POC project, or during the actual project? My answer is always quite simple: I do not know. Maybe, if we would spend just one hour more for data preparation, or create just one more model, we could get better patterns and predictions. However, we simply must stop somewhere, and the best possible way to do this, according to my experience, is to restrict the time spent on the project in advance, after an agreement with the customer. You must also never forget that, because we build the complete learning infrastructure and transfer the knowledge, the customer will be capable of doing further investigations independently and improve the models and predictions over time without the need for a constant engagement with me.

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• Possible automated Bing Ads fraud?

  - by Gary Joynes

  I run a website that generates life insurance leads. The site is very simple a) there is a form for capturing the user's details, life insurance requirements etc b) A quote comparison feature We drive traffic to our site using conventional Google Adwords and Bing Ads campaigns. Since the 6th January we have received 30-40 dodgy leads which have the following in common: All created between 2 and 8 AM Phone number always in the format "123 1234 1234' Name, Date Of Birth, Policy details, Address all seem valid and are unique across the leads Email addresses from "disposable" email accounts including dodgit.com, mailinator.com, trashymail.com, pookmail.com Some leads come from the customer form, some via the quote comparison feature All come from different IP addresses We get the keyword information passed through from the URLs All look to be coming from Bing Ads All come from Internet Explorer v7 and v8 The consistency of the data and the random IP addresses seem to suggest an automated approach but I'm not sure of the intent. We can handle identifying these leads within our database but is there anyway of stopping this at the Ad level i.e. before the click through.

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• Fraud and Anomaly Detection using Oracle Data Mining YouTube-like Video

  - by chberger

  I've created and recorded another YouTube-like presentation and "live" demos of Oracle Advanced Analytics Option, this time focusing on Fraud and Anomaly Detection using Oracle Data Mining.  [Note:  It is a large MP4 file that will open and play in place.  The sound quality is weak so you may need to turn up the volume.] Data is your most valuable asset. It represents the entire history of your organization and its interactions with your customers.  Predictive analytics leverages data to discover patterns, relationships and to help you even make informed predictions.   Oracle Data Mining (ODM) automatically discovers relationships hidden in data.  Predictive models and insights discovered with ODM address business problems such as:  predicting customer behavior, detecting fraud, analyzing market baskets, profiling and loyalty.  Oracle Data Mining, part of the Oracle Advanced Analytics (OAA) Option to the Oracle Database EE, embeds 12 high performance data mining algorithms in the SQL kernel of the Oracle Database. This eliminates data movement, delivers scalability and maintains security.  But, how do you find these very important needles or possibly fraudulent transactions and huge haystacks of data? Oracle Data Mining’s 1 Class Support Vector Machine algorithm is specifically designed to identify rare or anomalous records.  Oracle Data Mining's 1-Class SVM anomaly detection algorithm trains on what it believes to be considered “normal” records, build a descriptive and predictive model which can then be used to flags records that, on a multi-dimensional basis, appear to not fit in--or be different.  Combined with clustering techniques to sort transactions into more homogeneous sub-populations for more focused anomaly detection analysis and Oracle Business Intelligence, Enterprise Applications and/or real-time environments to "deploy" fraud detection, Oracle Data Mining delivers a powerful advanced analytical platform for solving important problems.  With OAA/ODM you can find suspicious expense report submissions, flag non-compliant tax submissions, fight fraud in healthcare claims and save huge amounts of money in fraudulent claims  and abuse.   This presentation and several brief demos will show Oracle Data Mining's fraud and anomaly detection capabilities.  

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• Private domain purchase with paypal: how to prevent fraud?

  - by whamsicore

  I am finally going to buy a domain I have been looking at. The domain owner wants me to give him my Godaddy account information and send him the payment via Paypal gift, so that there will be no extra charges. Should this cause suspicion? Does Paypal offer any kind of fraud protection? What is the best way to protect myself from fraud in this situation, without the need for escrow services, such as escrow.com? Any advice welcomed. Thanks.

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• What is the best book on payment fraud analysis, detection and prevention [closed]

  - by Art79

  Hi there Im looking for a good book describing what types of fraud can you come across in online services as well as some techniques of detecting and preventing them. Does not have to be super technical, im more interested in bigger picture than algorithms (maybe even financial or forensic angle) : ) Thanks for help : ) art

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• LexisNexis and Oracle Join Forces to Prevent Fraud and Identity Abuse

  - by Tanu Sood

  Author: Mark Karlstrand About the Writer:Mark Karlstrand is a Senior Product Manager at Oracle focused on innovative security for enterprise web and mobile applications. Over the last sixteen years Mark has served as director in a number of tech startups before joining Oracle in 2007. Working with a team of talented architects and engineers Mark developed Oracle Adaptive Access Manager, a best of breed access security solution.The world’s top enterprise software company and the world leader in data driven solutions have teamed up to provide a new integrated security solution to prevent fraud and misuse of identities. LexisNexis Risk Solutions, a Gold level member of Oracle PartnerNetwork (OPN), today announced it has achieved Oracle Validated Integration of its Instant Authenticate product with Oracle Identity Management.Oracle provides the most complete Identity and Access Management platform. The only identity management provider to offer advanced capabilities including device fingerprinting, location intelligence, real-time risk analysis, context-aware authentication and authorization makes the Oracle offering unique in the industry. LexisNexis Risk Solutions provides the industry leading Instant Authenticate dynamic knowledge based authentication (KBA) service which offers customers a secure and cost effective means to authenticate new user or prove authentication for password resets, lockouts and such scenarios. Oracle and LexisNexis now offer an integrated solution that combines the power of the most advanced identity management platform and superior data driven user authentication to stop identity fraud in its tracks and, in turn, offer significant operational cost savings. The solution offers the ability to challenge users with dynamic knowledge based authentication based on the risk of an access request or transaction thereby offering an additional level to other authentication methods such as static challenge questions or one-time password when needed. For example, with Oracle Identity Management self-service, the forgotten password reset workflow utilizes advanced capabilities including device fingerprinting, location intelligence, risk analysis and one-time password (OTP) via short message service (SMS) to secure this sensitive flow. Even when a user has lost or misplaced his/her mobile phone and, therefore, cannot receive the SMS, the new integrated solution eliminates the need to contact the help desk. The Oracle Identity Management platform dynamically switches to use the LexisNexis Instant Authenticate service for authentication if the user is not able to authenticate via OTP. The advanced Oracle and LexisNexis integrated solution, thus, both improves user experience and saves money by avoiding unnecessary help desk calls. Oracle Identity and Access Management secures applications, Juniper SSL VPN and other web resources with a thoroughly modern layered and context-aware platform. Users don't gain access just because they happen to have a valid username and password. An enterprise utilizing the Oracle solution has the ability to predicate access based on the specific context of the current situation. The device, location, temporal data, and any number of other attributes are evaluated in real-time to determine the specific risk at that moment. If the risk is elevated a user can be challenged for additional authentication, refused access or allowed access with limited privileges. The LexisNexis Instant Authenticate dynamic KBA service plugs into the Oracle platform to provide an additional layer of security by validating a user's identity in high risk access or transactions. The large and varied pool of data the LexisNexis solution utilizes to quiz a user makes this challenge mechanism even more robust. This strong combination of Oracle and LexisNexis user authentication capabilities greatly mitigates the risk of exposing sensitive applications and services on the Internet which helps an enterprise grow their business with confidence.Resources:Press release: LexisNexis® Achieves Oracle Validated Integration with Oracle Identity Management Oracle Access Management (HTML)Oracle Adaptive Access Manager (pdf)

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• Prevent Click Fraud in Advertisement system with PHP and Javascript

  - by CodeDevelopr

  I would like to build an Advertising project with PHP, MySQL, and Javascript. I am talking about something like... Google Adsense BuySellAds.com Any other advertising platform My question is mainly, what do I need to look out for to prevent people cheating the system and any other issues I may encounter? My design concept. An Advertisement is a record in the Database, when a page is loaded, using Javascript, it calls my server which in turn will use a PHP script to query the Database and get a random Advertisement. (It may do kore like get an ad based on demographics or other criteria as well) The PHP script will then return the Advertisement to the server/website that is calling it and show it on the page as an Image that will have a special tracking link. I will need to... Count all impressions (when the Advertisement is shown on the page) Count all clicks on the Advertisement link Count all Unique clicks on the Advertisement link My question is purely on the query and displaying of the Advertisement and nothing to do with the administration side. If there is ever money involved with my Advertisement buying/selling of adspace, then the stats need to be accurate and make sure people can't easily cheat the system. Is tracking IP address really the only way to try to prevent click fraud? I am hoping someone with some experience can clarify I am on the right track? As well as give me any advice, tips, or anything else I should know about doing something like this?

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• Private Investigators Use Facebook To Uncover Insurance Fraud

  Social media and user generated content have become a huge part of the internet and has had a massive impact on the way people surf the internet. Some have described it as a mixed blessing because o... [Author: Conflict International - Computers and Internet - May 15, 2010]

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• Spring security request matcher is not working with regex

  - by Felipe Cardoso Martins

  Using Spring MVC + Security I have a business requirement that the users from SEC (Security team) has full access to the application and FRAUD (Anti-fraud team) has only access to the pages that URL not contains the words "block" or "update" with case insensitive. Bellow, all spring dependencies: $ mvn dependency:tree | grep spring [INFO] +- org.springframework:spring-webmvc:jar:3.1.2.RELEASE:compile [INFO] | +- org.springframework:spring-asm:jar:3.1.2.RELEASE:compile [INFO] | +- org.springframework:spring-beans:jar:3.1.2.RELEASE:compile [INFO] | +- org.springframework:spring-context:jar:3.1.2.RELEASE:compile [INFO] | +- org.springframework:spring-context-support:jar:3.1.2.RELEASE:compile [INFO] | \- org.springframework:spring-expression:jar:3.1.2.RELEASE:compile [INFO] +- org.springframework:spring-core:jar:3.1.2.RELEASE:compile [INFO] +- org.springframework:spring-web:jar:3.1.2.RELEASE:compile [INFO] +- org.springframework.security:spring-security-core:jar:3.1.2.RELEASE:compile [INFO] | \- org.springframework:spring-aop:jar:3.0.7.RELEASE:compile [INFO] +- org.springframework.security:spring-security-web:jar:3.1.2.RELEASE:compile [INFO] | +- org.springframework:spring-jdbc:jar:3.0.7.RELEASE:compile [INFO] | \- org.springframework:spring-tx:jar:3.0.7.RELEASE:compile [INFO] +- org.springframework.security:spring-security-config:jar:3.1.2.RELEASE:compile [INFO] +- org.springframework.security:spring-security-acl:jar:3.1.2.RELEASE:compile Bellow, some examples of mapped URL path from spring log: Mapped URL path [/index] onto handler 'homeController' Mapped URL path [/index.*] onto handler 'homeController' Mapped URL path [/index/] onto handler 'homeController' Mapped URL path [/cellphone/block] onto handler 'cellphoneController' Mapped URL path [/cellphone/block.*] onto handler 'cellphoneController' Mapped URL path [/cellphone/block/] onto handler 'cellphoneController' Mapped URL path [/cellphone/confirmBlock] onto handler 'cellphoneController' Mapped URL path [/cellphone/confirmBlock.*] onto handler 'cellphoneController' Mapped URL path [/cellphone/confirmBlock/] onto handler 'cellphoneController' Mapped URL path [/user/update] onto handler 'userController' Mapped URL path [/user/update.*] onto handler 'userController' Mapped URL path [/user/update/] onto handler 'userController' Mapped URL path [/user/index] onto handler 'userController' Mapped URL path [/user/index.*] onto handler 'userController' Mapped URL path [/user/index/] onto handler 'userController' Mapped URL path [/search] onto handler 'searchController' Mapped URL path [/search.*] onto handler 'searchController' Mapped URL path [/search/] onto handler 'searchController' Mapped URL path [/doSearch] onto handler 'searchController' Mapped URL path [/doSearch.*] onto handler 'searchController' Mapped URL path [/doSearch/] onto handler 'searchController' Bellow, a test of the regular expressions used in spring-security.xml (I'm not a regex speciality, improvements are welcome =]): import java.util.Arrays; import java.util.List; public class RegexTest { public static void main(String[] args) { List<String> pathSamples = Arrays.asList( "/index", "/index.*", "/index/", "/cellphone/block", "/cellphone/block.*", "/cellphone/block/", "/cellphone/confirmBlock", "/cellphone/confirmBlock.*", "/cellphone/confirmBlock/", "/user/update", "/user/update.*", "/user/update/", "/user/index", "/user/index.*", "/user/index/", "/search", "/search.*", "/search/", "/doSearch", "/doSearch.*", "/doSearch/"); for (String pathSample : pathSamples) { System.out.println("Path sample: " + pathSample + " - SEC: " + pathSample.matches("^.*$") + " | FRAUD: " + pathSample.matches("^(?!.*(?i)(block|update)).*$")); } } } Bellow, the console result of Java class above: Path sample: /index - SEC: true | FRAUD: true Path sample: /index.* - SEC: true | FRAUD: true Path sample: /index/ - SEC: true | FRAUD: true Path sample: /cellphone/block - SEC: true | FRAUD: false Path sample: /cellphone/block.* - SEC: true | FRAUD: false Path sample: /cellphone/block/ - SEC: true | FRAUD: false Path sample: /cellphone/confirmBlock - SEC: true | FRAUD: false Path sample: /cellphone/confirmBlock.* - SEC: true | FRAUD: false Path sample: /cellphone/confirmBlock/ - SEC: true | FRAUD: false Path sample: /user/update - SEC: true | FRAUD: false Path sample: /user/update.* - SEC: true | FRAUD: false Path sample: /user/update/ - SEC: true | FRAUD: false Path sample: /user/index - SEC: true | FRAUD: true Path sample: /user/index.* - SEC: true | FRAUD: true Path sample: /user/index/ - SEC: true | FRAUD: true Path sample: /search - SEC: true | FRAUD: true Path sample: /search.* - SEC: true | FRAUD: true Path sample: /search/ - SEC: true | FRAUD: true Path sample: /doSearch - SEC: true | FRAUD: true Path sample: /doSearch.* - SEC: true | FRAUD: true Path sample: /doSearch/ - SEC: true | FRAUD: true Tests Scenario 1 Bellow, the important part of spring-security.xml: <security:http entry-point-ref="entryPoint" request-matcher="regex"> <security:intercept-url pattern="^.*$" access="ROLE_SEC" /> <security:intercept-url pattern="^(?!.*(?i)(block|update)).*$" access="ROLE_FRAUD" /> <security:access-denied-handler error-page="/access-denied.html" /> <security:form-login always-use-default-target="false" login-processing-url="/doLogin.html" authentication-failure-handler-ref="authFailHandler" authentication-success-handler-ref="authSuccessHandler" /> <security:logout logout-url="/logout.html" success-handler-ref="logoutSuccessHandler" /> </security:http> Behaviour: FRAUD group **can't" access any page SEC group works fine Scenario 2 NOTE that I only changed the order of intercept-url in spring-security.xml bellow: <security:http entry-point-ref="entryPoint" request-matcher="regex"> <security:intercept-url pattern="^(?!.*(?i)(block|update)).*$" access="ROLE_FRAUD" /> <security:intercept-url pattern="^.*$" access="ROLE_SEC" /> <security:access-denied-handler error-page="/access-denied.html" /> <security:form-login always-use-default-target="false" login-processing-url="/doLogin.html" authentication-failure-handler-ref="authFailHandler" authentication-success-handler-ref="authSuccessHandler" /> <security:logout logout-url="/logout.html" success-handler-ref="logoutSuccessHandler" /> </security:http> Behaviour: SEC group **can't" access any page FRAUD group works fine Conclusion I did something wrong or spring-security have a bug. The problem already was solved in a very bad way, but I need to fix it quickly. Anyone knows some tricks to debug better it without open the frameworks code? Cheers, Felipe

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• Is my webserver being abused for banking fraud?

  - by koffie

  Since a few weeks i'm getting a lot of 403 errors from apache in my log files that seem to be related to a bank frauding scheme. The relevant log entries look like this (The ip 1.2.3.4 is one I made up, I did not modify the rest of each line) www.bradesco.com.br:80 / 1.2.3.4 - - [01/Dec/2012:07:20:32 +0100] "GET / HTTP/1.1" 403 427 "-" "Mozilla/5.0 (Windows NT 5.1) AppleWebKit/535.11 (KHTML, like Gecko) Chrome/17.0.963.56 Safari/535.11" www.bb.com.br:80 / 1.2.3.4 - - [01/Dec/2012:07:20:32 +0100] "GET / HTTP/1.1" 403 370 "-" "Mozilla/5.0 (Windows NT 5.1) AppleWebKit/535.11 (KHTML, like Gecko) Chrome/17.0.963.56 Safari/535.11" www.santander.com.br:80 / 1.2.3.4 - - [01/Dec/2012:07:20:33 +0100] "GET / HTTP/1.1" 403 370 "-" "Mozilla/5.0 (Windows NT 5.1) AppleWebKit/535.11 (KHTML, like Gecko) Chrome/17.0.963.56 Safari/535.11" www.banese.com.br:80 / 1.2.3.4 - - [01/Dec/2012:07:20:33 +0100] "GET / HTTP/1.1" 403 370 "-" "Mozilla/5.0 (Windows NT 5.1) AppleWebKit/535.11 (KHTML, like Gecko) Chrome/17.0.963.56 Safari/535.11" the logformat I use is: LogFormat "%V:%p %U %h %l %u %t \"%r\" %>s %O \"%{Referer}i\" \"%{User-Agent}i\"" The strange thing is that all these domains are domains of banks and 3 out of the 4 domains are also in the list of the bank frauding scheme described on: http://www.abuse.ch/?p=2925 I would really like to know if my server is being abused for bank frauding or not. I suspect not, because it's giving 403 to all requests. But any extra checks that I can do to ensure that my server is not being abused are welcome. I'm also curious on how the "bad guys" expected my server to behave. I.e. are they just expecting my server to act as a proxy to hide the ip of the fake site, or are they expecting that my server will actually serve the fake banking website? Is the ip 1.2.3.4 more likely to be the ip of a victim or the ip of a bad guy. I suspect a bad guy, because it's quite unlikely that a real person would visit 4 bank sites in a second. If it's from a bad guy I'm very curious at what he is trying to do.

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• How should programmers handle identity theft?

  - by Craige

  I recently signed up for an iTunes account, and found that somebody had fraudulently used MY email to register their iTunes account. Why Apple did not validate the email address, I will never know. Now I am told that I cannot use my email address to register a new iTunes account, as this email address is linked to an existing account. This got me thinking, as developers, database administrators, technical analysts, and everything in between, how should we handle reports of a fraud account? Experience teaches us never to re-assign identifying credentials. This can break things and/or cause mass confusion, especially in the realm of the web. That is, if we are are needing to reassign an identifying user credential we can very likely break a users bookmark by making a page render data that previously did not exist at that location. So if we have been taught not to re-assign details like these, how should we handle such a case where an account is discovered to be a fraud and the owner of the identity (e-mail or user name) wishes to claim this detail for their account?

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• eMail with Conflicting Headers not blocked in MS365

  - by John Meredith Langstaff

  On occasion, a company receives eMail with two header fields (“Received” and “From”) containing data that contradict each other drastically. Should they not expect their anti-spam system to flag or block items with contradictions in these fields? For example, they received an eMail which contained [almost exactly] these two headers: Received: from [107.52.51.26] by web315204.mail.ne1.yahoo.com via HTTP; Mon,28 Oct 2013 04:28:04 PDT From: Barry Smith [email protected] Obviously, eMail from an @att.net address isn’t coming from a server on the domain yahoo.com, and Yahoo isn’t forwarding AT&T’s eMail. There were no other headers indicating that the item was sent “OnBehalfOf”, or “Forwarded-by”, or “By_Proxy” or any other such. Should I write a utility to scan incoming eMail for such conflicts, or look more closely at their spam filtering to block this kind of eMail? Their eMail system is Hosted Exchange on MS-365. My central question is, where specifically do I look in MS-365 to get this type of conflicted eMail blocked?

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• How important is it to use SSL?

  - by Mark

  Recently I installed a certificate on the website I'm working on. I've made as much of the site as possible work with HTTP, but after you log in, it has to remain in HTTPS to prevent session hi-jacking, doesn't it? Unfortunately, this causes some problems with Google Maps; I get warnings in IE saying "this page contains insecure content". I don't think we can afford Google Maps Premier right now to get their secure service. It's sort of an auction site so it's fairly important that people don't get charged for things they didn't purchase because some hacker got into their account. All payments are done through PayPal though, so I'm not saving any sort of credit card info, but I am keeping personal contact information. Fraudulent charges could be reversed fairly easily if it ever came to that. What do you guys suggest I do? Should I take the bulk of the site off HTTPS and just secure certain pages like where ever you enter your password, and that's it? That's what our competition seems to do.

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• How important is it to use SSL on every page of your website?

  - by Mark

  Recently I installed a certificate on the website I'm working on. I've made as much of the site as possible work with HTTP, but after you log in, it has to remain in HTTPS to prevent session hi-jacking, doesn't it? Unfortunately, this causes some problems with Google Maps; I get warnings in IE saying "this page contains insecure content". I don't think we can afford Google Maps Premier right now to get their secure service. It's sort of an auction site so it's fairly important that people don't get charged for things they didn't purchase because some hacker got into their account. All payments are done through PayPal though, so I'm not saving any sort of credit card info, but I am keeping personal contact information. Fraudulent charges could be reversed fairly easily if it ever came to that. What do you guys suggest I do? Should I take the bulk of the site off HTTPS and just secure certain pages like where ever you enter your password, and that's it? That's what our competition seems to do.

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• Where can I learn about security and online privacy?

  - by user278457

  I'd really like to start including shopping cart functionality in my projects. At first im content relying on paypal links, but I really want to be learning about specific security threats and how to combat them. Eventually I want to feel comfortable receiving and sending customer credit card details for ecommerce. Obviously this is a common thing on the net but most tutorials and resources are content to say "it's every web developers responsibility to consider security, but we're not going to cover that here/today/ever." so, my question is, where is a good place to learn? And once I've learned, how do I stay abreast of new vulnerabilities as the web evolves?

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• Is it legal to ask photo ID and credit card copy in the U.S

  - by selim

  I regularly order from online shops around the world and I have not see any case where the company asks for photo ID or credit card copy. Yesterday I make an order from linode.com and my order is on hold because of their "fraud check system". Is it common to ask those info in U.S. where I have never asked such info in here (Istanbul, Turkey). And I already asked what is their motive and legal stand and the reason my order is hold by their fraud system. And I also added whether is because I live in Istanbul, Turkey. Their answer was as following: "We would not be able to disclose specific information related to our fraud system." And I'm asked repeatedly whether I want to cancel my order or not. I dont questioning reputation of linode.com if I think so, I did not make an order. I think asking for photo ID is neither legal nor provide any security.

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• Quand les lois américaines scellent l'avenir des experts en sécurité, la loi CFAA freinerait la traque et la découverte des failles de sécurité

  Quand la loi américaine scelle l'avenir des experts en sécurité le computer fraud and abuse act freinerait la traque et la découverte des failles de sécuritéEntériné en 1986 pour sanctionner juridiquement les cybercriminels, le projet de loi américaine CFAA (Computer Fraud and Abuse Act) est de plus en plus décrié par les experts en sécurité. En cause : le flou entourant la loi en matière d'abus informatiques et la non-distinction entre les chercheurs en sécurité qui traquent les failles et les...

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• OWB/ODI Users: Last Chance to Submit and Vote On Sessions for OpenWorld 2010

  - by antonio romero

  Now is the last chance for OWB and ODI users to propose new ETL/DW/DI sessions for OpenWorld! Oracle OpenWorld 2010 "Suggest a Session" lets members of the Oracle Mix community submit and vote on papers/talks for OpenWorld. The most popular session proposals will be included in the conference program. One promising OWB-related topic has already been submitted: Case Study: Real-Time Data Warehousing and Fraud Detection with Oracle 11gR2 Dr. Holger Friedrich and consultants from sumIT AG in Switzerland built a real-time data warehouse and accompanying BI system for real-time online fraud detection with very limited resources and a short schedule. His presentation will cover: How sumIT AG efficiently loads complex data feeds in real time in Oracle 11gR2 using, among others, Advanced Queues and XML DB How they lowered costs and sped up development, by leveraging the DBs development features including Oracle Warehouse Builder How they delivered a production-ready solution in a few short months using only three part-time developers Come vote for this proposal, on Oracle Mix: https://mix.oracle.com/oow10/proposals/10566-case-study-real-time-data-warehousing-and-fraud-detection-with-oracle-11gr2  I have already invited members of the OWB/ODI Linkedin group (with over 1400 members) to come vote on topics like this one and propose their own. If enough of us vote on a few topics, we are sure to get some on the agenda!  And if you have your own topics, using the Suggest-a-Session instructions here: http://wiki.oracle.com/page/Oracle+OpenWorld+2010+Suggest-a-Session If you propose a topic, don't forget to come to Linkedin and promote it! I have already sent the members of the Linkedin group an email announcement about this, and I will send another in a week, with links to all topics submitted. Thanks, all!

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• Leaving SQL Management open on the internet

  - by Tim Fraud

  I am a developer, but every so often need access to our production database -- yeah, poor practice, but anyway... My boss doesn't want me directly on the box using RDP, and so we decided to just permit MS SQL Management Console access so that I can do my tasks. So right now we have the SQL box somewhat accessible on the internet (on port 1433 if I am not mistaken), which opens a security hole. But I am wondering, how much of an uncommon practice is this, and what defaults should I be concerned about? We use MSSQL2008 and I created an account that has Read-Only access, because my production tasks only need that. I didn't see any unusual default accounts with default passwords on the system, so I would be interested to hear your take. (And of-course, is there a better way?)

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• Is there a Telecommunications Reference Architecture?

  - by raul.goycoolea

  @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Abstract   Reference architecture provides needed architectural information that can be provided in advance to an enterprise to enable consistent architectural best practices. Enterprise Reference Architecture helps business owners to actualize their strategies, vision, objectives, and principles. It evaluates the IT systems, based on Reference Architecture goals, principles, and standards. It helps to reduce IT costs by increasing functionality, availability, scalability, etc. Telecom Reference Architecture provides customers with the flexibility to view bundled service bills online with the provision of multiple services. It provides real-time, flexible billing and charging systems, to handle complex promotions, discounts, and settlements with multiple parties. This paper attempts to describe the Reference Architecture for the Telecom Enterprises. It lays the foundation for a Telecom Reference Architecture by articulating the requirements, drivers, and pitfalls for telecom service providers. It describes generic reference architecture for telecom enterprises and moves on to explain how to achieve Enterprise Reference Architecture by using SOA.   Introduction   A Reference Architecture provides a methodology, set of practices, template, and standards based on a set of successful solutions implemented earlier. These solutions have been generalized and structured for the depiction of both a logical and a physical architecture, based on the harvesting of a set of patterns that describe observations in a number of successful implementations. It helps as a reference for the various architectures that an enterprise can implement to solve various problems. It can be used as the starting point or the point of comparisons for various departments/business entities of a company, or for the various companies for an enterprise. It provides multiple views for multiple stakeholders.   Major artifacts of the Enterprise Reference Architecture are methodologies, standards, metadata, documents, design patterns, etc.   Purpose of Reference Architecture   In most cases, architects spend a lot of time researching, investigating, defining, and re-arguing architectural decisions. It is like reinventing the wheel as their peers in other organizations or even the same organization have already spent a lot of time and effort defining their own architectural practices. This prevents an organization from learning from its own experiences and applying that knowledge for increased effectiveness.   Reference architecture provides missing architectural information that can be provided in advance to project team members to enable consistent architectural best practices.   Enterprise Reference Architecture helps an enterprise to achieve the following at the abstract level:   ·       Reference architecture is more of a communication channel to an enterprise ·       Helps the business owners to accommodate to their strategies, vision, objectives, and principles. ·       Evaluates the IT systems based on Reference Architecture Principles ·       Reduces IT spending through increasing functionality, availability, scalability, etc ·       A Real-time Integration Model helps to reduce the latency of the data updates Is used to define a single source of Information ·       Provides a clear view on how to manage information and security ·       Defines the policy around the data ownership, product boundaries, etc. ·       Helps with cost optimization across project and solution portfolios by eliminating unused or duplicate investments and assets ·       Has a shorter implementation time and cost   Once the reference architecture is in place, the set of architectural principles, standards, reference models, and best practices ensure that the aligned investments have the greatest possible likelihood of success in both the near term and the long term (TCO).     Common pitfalls for Telecom Service Providers   Telecom Reference Architecture serves as the first step towards maturity for a telecom service provider. During the course of our assignments/experiences with telecom players, we have come across the following observations – Some of these indicate a lack of maturity of the telecom service provider:   ·       In markets that are growing and not so mature, it has been observed that telcos have a significant amount of in-house or home-grown applications. In some of these markets, the growth has been so rapid that IT has been unable to cope with business demands. Telcos have shown a tendency to come up with workarounds in their IT applications so as to meet business needs. ·       Even for core functions like provisioning or mediation, some telcos have tried to manage with home-grown applications. ·       Most of the applications do not have the required scalability or maintainability to sustain growth in volumes or functionality. ·       Applications face interoperability issues with other applications in the operator's landscape. Integrating a new application or network element requires considerable effort on the part of the other applications. ·       Application boundaries are not clear, and functionality that is not in the initial scope of that application gets pushed onto it. This results in the development of the multiple, small applications without proper boundaries. ·       Usage of Legacy OSS/BSS systems, poor Integration across Multiple COTS Products and Internal Systems. Most of the Integrations are developed on ad-hoc basis and Point-to-Point Integration. ·       Redundancy of the business functions in different applications • Fragmented data across the different applications and no integrated view of the strategic data • Lot of performance Issues due to the usage of the complex integration across OSS and BSS systems   However, this is where the maturity of the telecom industry as a whole can be of help. The collaborative efforts of telcos to overcome some of these problems have resulted in bodies like the TM Forum. They have come up with frameworks for business processes, data, applications, and technology for telecom service providers. These could be a good starting point for telcos to clean up their enterprise landscape.   Industry Trends in Telecom Reference Architecture   Telecom reference architectures are evolving rapidly because telcos are facing business and IT challenges.   “The reality is that there probably is no killer application, no silver bullet that the telcos can latch onto to carry them into a 21st Century.... Instead, there are probably hundreds – perhaps thousands – of niche applications.... And the only way to find which of these works for you is to try out lots of them, ramp up the ones that work, and discontinue the ones that fail.” – Martin Creaner President & CTO TM Forum.   The following trends have been observed in telecom reference architecture:   ·       Transformation of business structures to align with customer requirements ·       Adoption of more Internet-like technical architectures. The Web 2.0 concept is increasingly being used. ·       Virtualization of the traditional operations support system (OSS) ·       Adoption of SOA to support development of IP-based services ·       Adoption of frameworks like Service Delivery Platforms (SDPs) and IP Multimedia Subsystem ·       (IMS) to enable seamless deployment of various services over fixed and mobile networks ·       Replacement of in-house, customized, and stove-piped OSS/BSS with standards-based COTS products ·       Compliance with industry standards and frameworks like eTOM, SID, and TAM to enable seamless integration with other standards-based products   Drivers of Reference Architecture   The drivers of the Reference Architecture are Reference Architecture Goals, Principles, and Enterprise Vision and Telecom Transformation. The details are depicted below diagram. @font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoCaption, li.MsoCaption, div.MsoCaption { margin: 0cm 0cm 10pt; font-size: 9pt; font-family: "Times New Roman"; color: rgb(79, 129, 189); font-weight: bold; }div.Section1 { page: Section1; } Figure 1. Drivers for Reference Architecture @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Today’s telecom reference architectures should seamlessly integrate traditional legacy-based applications and transition to next-generation network technologies (e.g., IP multimedia subsystems). This has resulted in new requirements for flexible, real-time billing and OSS/BSS systems and implications on the service provider’s organizational requirements and structure.   Telecom reference architectures are today expected to:   ·       Integrate voice, messaging, email and other VAS over fixed and mobile networks, back end systems ·       Be able to provision multiple services and service bundles • Deliver converged voice, video and data services ·       Leverage the existing Network Infrastructure ·       Provide real-time, flexible billing and charging systems to handle complex promotions, discounts, and settlements with multiple parties. ·       Support charging of advanced data services such as VoIP, On-Demand, Services (e.g.  Video), IMS/SIP Services, Mobile Money, Content Services and IPTV. ·       Help in faster deployment of new services • Serve as an effective platform for collaboration between network IT and business organizations ·       Harness the potential of converging technology, networks, devices and content to develop multimedia services and solutions of ever-increasing sophistication on a single Internet Protocol (IP) ·       Ensure better service delivery and zero revenue leakage through real-time balance and credit management ·       Lower operating costs to drive profitability   Enterprise Reference Architecture   The Enterprise Reference Architecture (RA) fills the gap between the concepts and vocabulary defined by the reference model and the implementation. Reference architecture provides detailed architectural information in a common format such that solutions can be repeatedly designed and deployed in a consistent, high-quality, supportable fashion. This paper attempts to describe the Reference Architecture for the Telecom Application Usage and how to achieve the Enterprise Level Reference Architecture using SOA.   • Telecom Reference Architecture • Enterprise SOA based Reference Architecture   Telecom Reference Architecture   Tele Management Forum’s New Generation Operations Systems and Software (NGOSS) is an architectural framework for organizing, integrating, and implementing telecom systems. NGOSS is a component-based framework consisting of the following elements:   ·       The enhanced Telecom Operations Map (eTOM) is a business process framework. ·       The Shared Information Data (SID) model provides a comprehensive information framework that may be specialized for the needs of a particular organization. ·       The Telecom Application Map (TAM) is an application framework to depict the functional footprint of applications, relative to the horizontal processes within eTOM. ·       The Technology Neutral Architecture (TNA) is an integrated framework. TNA is an architecture that is sustainable through technology changes.   NGOSS Architecture Standards are:   ·       Centralized data ·       Loosely coupled distributed systems ·       Application components/re-use  ·       A technology-neutral system framework with technology specific implementations ·       Interoperability to service provider data/processes ·       Allows more re-use of business components across multiple business scenarios ·       Workflow automation   The traditional operator systems architecture consists of four layers,   ·       Business Support System (BSS) layer, with focus toward customers and business partners. Manages order, subscriber, pricing, rating, and billing information. ·       Operations Support System (OSS) layer, built around product, service, and resource inventories. ·       Networks layer – consists of Network elements and 3rd Party Systems. ·       Integration Layer – to maximize application communication and overall solution flexibility.   Reference architecture for telecom enterprises is depicted below. @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoCaption, li.MsoCaption, div.MsoCaption { margin: 0cm 0cm 10pt; font-size: 9pt; font-family: "Times New Roman"; color: rgb(79, 129, 189); font-weight: bold; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Figure 2. Telecom Reference Architecture   The major building blocks of any Telecom Service Provider architecture are as follows:   1. Customer Relationship Management   CRM encompasses the end-to-end lifecycle of the customer: customer initiation/acquisition, sales, ordering, and service activation, customer care and support, proactive campaigns, cross sell/up sell, and retention/loyalty.   CRM also includes the collection of customer information and its application to personalize, customize, and integrate delivery of service to a customer, as well as to identify opportunities for increasing the value of the customer to the enterprise.   The key functionalities related to Customer Relationship Management are   ·       Manage the end-to-end lifecycle of a customer request for products. ·       Create and manage customer profiles. ·       Manage all interactions with customers – inquiries, requests, and responses. ·       Provide updates to Billing and other south bound systems on customer/account related updates such as customer/ account creation, deletion, modification, request bills, final bill, duplicate bills, credit limits through Middleware. ·       Work with Order Management System, Product, and Service Management components within CRM. ·       Manage customer preferences – Involve all the touch points and channels to the customer, including contact center, retail stores, dealers, self service, and field service, as well as via any media (phone, face to face, web, mobile device, chat, email, SMS, mail, the customer's bill, etc.). ·       Support single interface for customer contact details, preferences, account details, offers, customer premise equipment, bill details, bill cycle details, and customer interactions.   CRM applications interact with customers through customer touch points like portals, point-of-sale terminals, interactive voice response systems, etc. The requests by customers are sent via fulfillment/provisioning to billing system for ordering processing.   2. Billing and Revenue Management   Billing and Revenue Management handles the collection of appropriate usage records and production of timely and accurate bills – for providing pre-bill usage information and billing to customers; for processing their payments; and for performing payment collections. In addition, it handles customer inquiries about bills, provides billing inquiry status, and is responsible for resolving billing problems to the customer's satisfaction in a timely manner. This process grouping also supports prepayment for services.   The key functionalities provided by these applications are   ·       To ensure that enterprise revenue is billed and invoices delivered appropriately to customers. ·       To manage customers’ billing accounts, process their payments, perform payment collections, and monitor the status of the account balance. ·       To ensure the timely and effective fulfillment of all customer bill inquiries and complaints. ·       Collect the usage records from mediation and ensure appropriate rating and discounting of all usage and pricing. ·       Support revenue sharing; split charging where usage is guided to an account different from the service consumer. ·       Support prepaid and post-paid rating. ·       Send notification on approach / exceeding the usage thresholds as enforced by the subscribed offer, and / or as setup by the customer. ·       Support prepaid, post paid, and hybrid (where some services are prepaid and the rest of the services post paid) customers and conversion from post paid to prepaid, and vice versa. ·       Support different billing function requirements like charge prorating, promotion, discount, adjustment, waiver, write-off, account receivable, GL Interface, late payment fee, credit control, dunning, account or service suspension, re-activation, expiry, termination, contract violation penalty, etc. ·       Initiate direct debit to collect payment against an invoice outstanding. ·       Send notification to Middleware on different events; for example, payment receipt, pre-suspension, threshold exceed, etc.   Billing systems typically get usage data from mediation systems for rating and billing. They get provisioning requests from order management systems and inquiries from CRM systems. Convergent and real-time billing systems can directly get usage details from network elements.   3. Mediation   Mediation systems transform/translate the Raw or Native Usage Data Records into a general format that is acceptable to billing for their rating purposes.   The following lists the high-level roles and responsibilities executed by the Mediation system in the end-to-end solution.   ·       Collect Usage Data Records from different data sources – like network elements, routers, servers – via different protocol and interfaces. ·       Process Usage Data Records – Mediation will process Usage Data Records as per the source format. ·       Validate Usage Data Records from each source. ·       Segregates Usage Data Records coming from each source to multiple, based on the segregation requirement of end Application. ·       Aggregates Usage Data Records based on the aggregation rule if any from different sources. ·       Consolidates multiple Usage Data Records from each source. ·       Delivers formatted Usage Data Records to different end application like Billing, Interconnect, Fraud Management, etc. ·       Generates audit trail for incoming Usage Data Records and keeps track of all the Usage Data Records at various stages of mediation process. ·       Checks duplicate Usage Data Records across files for a given time window.   4. Fulfillment   This area is responsible for providing customers with their requested products in a timely and correct manner. It translates the customer's business or personal need into a solution that can be delivered using the specific products in the enterprise's portfolio. This process informs the customers of the status of their purchase order, and ensures completion on time, as well as ensuring a delighted customer. These processes are responsible for accepting and issuing orders. They deal with pre-order feasibility determination, credit authorization, order issuance, order status and tracking, customer update on customer order activities, and customer notification on order completion. Order management and provisioning applications fall into this category.   The key functionalities provided by these applications are   ·       Issuing new customer orders, modifying open customer orders, or canceling open customer orders; ·       Verifying whether specific non-standard offerings sought by customers are feasible and supportable; ·       Checking the credit worthiness of customers as part of the customer order process; ·       Testing the completed offering to ensure it is working correctly; ·       Updating of the Customer Inventory Database to reflect that the specific product offering has been allocated, modified, or cancelled; ·       Assigning and tracking customer provisioning activities; ·       Managing customer provisioning jeopardy conditions; and ·       Reporting progress on customer orders and other processes to customer.   These applications typically get orders from CRM systems. They interact with network elements and billing systems for fulfillment of orders.   5. Enterprise Management   This process area includes those processes that manage enterprise-wide activities and needs, or have application within the enterprise as a whole. They encompass all business management processes that   ·       Are necessary to support the whole of the enterprise, including processes for financial management, legal management, regulatory management, process, cost, and quality management, etc.;   ·       Are responsible for setting corporate policies, strategies, and directions, and for providing guidelines and targets for the whole of the business, including strategy development and planning for areas, such as Enterprise Architecture, that are integral to the direction and development of the business;   ·       Occur throughout the enterprise, including processes for project management, performance assessments, cost assessments, etc.     (i) Enterprise Risk Management:   Enterprise Risk Management focuses on assuring that risks and threats to the enterprise value and/or reputation are identified, and appropriate controls are in place to minimize or eliminate the identified risks. The identified risks may be physical or logical/virtual. Successful risk management ensures that the enterprise can support its mission critical operations, processes, applications, and communications in the face of serious incidents such as security threats/violations and fraud attempts. Two key areas covered in Risk Management by telecom operators are:   ·       Revenue Assurance: Revenue assurance system will be responsible for identifying revenue loss scenarios across components/systems, and will help in rectifying the problems. The following lists the high-level roles and responsibilities executed by the Revenue Assurance system in the end-to-end solution. o   Identify all usage information dropped when networks are being upgraded. o   Interconnect bill verification. o   Identify where services are routinely provisioned but never billed. o   Identify poor sales policies that are intensifying collections problems. o   Find leakage where usage is sent to error bucket and never billed for. o   Find leakage where field service, CRM, and network build-out are not optimized.   ·       Fraud Management: Involves collecting data from different systems to identify abnormalities in traffic patterns, usage patterns, and subscription patterns to report suspicious activity that might suggest fraudulent usage of resources, resulting in revenue losses to the operator.   The key roles and responsibilities of the system component are as follows:   o   Fraud management system will capture and monitor high usage (over a certain threshold) in terms of duration, value, and number of calls for each subscriber. The threshold for each subscriber is decided by the system and fixed automatically. o   Fraud management will be able to detect the unauthorized access to services for certain subscribers. These subscribers may have been provided unauthorized services by employees. The component will raise the alert to the operator the very first time of such illegal calls or calls which are not billed. o   The solution will be to have an alarm management system that will deliver alarms to the operator/provider whenever it detects a fraud, thus minimizing fraud by catching it the first time it occurs. o   The Fraud Management system will be capable of interfacing with switches, mediation systems, and billing systems   (ii) Knowledge Management   This process focuses on knowledge management, technology research within the enterprise, and the evaluation of potential technology acquisitions.   Key responsibilities of knowledge base management are to   ·       Maintain knowledge base – Creation and updating of knowledge base on ongoing basis. ·       Search knowledge base – Search of knowledge base on keywords or category browse ·       Maintain metadata – Management of metadata on knowledge base to ensure effective management and search. ·       Run report generator. ·       Provide content – Add content to the knowledge base, e.g., user guides, operational manual, etc.   (iii) Document Management   It focuses on maintaining a repository of all electronic documents or images of paper documents relevant to the enterprise using a system.   (iv) Data Management   It manages data as a valuable resource for any enterprise. For telecom enterprises, the typical areas covered are Master Data Management, Data Warehousing, and Business Intelligence. It is also responsible for data governance, security, quality, and database management.   Key responsibilities of Data Management are   ·       Using ETL, extract the data from CRM, Billing, web content, ERP, campaign management, financial, network operations, asset management info, customer contact data, customer measures, benchmarks, process data, e.g., process inputs, outputs, and measures, into Enterprise Data Warehouse. ·       Management of data traceability with source, data related business rules/decisions, data quality, data cleansing data reconciliation, competitors data – storage for all the enterprise data (customer profiles, products, offers, revenues, etc.) ·       Get online update through night time replication or physical backup process at regular frequency. ·       Provide the data access to business intelligence and other systems for their analysis, report generation, and use.   (v) Business Intelligence   It uses the Enterprise Data to provide the various analysis and reports that contain prospects and analytics for customer retention, acquisition of new customers due to the offers, and SLAs. It will generate right and optimized plans – bolt-ons for the customers.   The following lists the high-level roles and responsibilities executed by the Business Intelligence system at the Enterprise Level:   ·       It will do Pattern analysis and reports problem. ·       It will do Data Analysis – Statistical analysis, data profiling, affinity analysis of data, customer segment wise usage patterns on offers, products, service and revenue generation against services and customer segments. ·       It will do Performance (business, system, and forecast) analysis, churn propensity, response time, and SLAs analysis. ·       It will support for online and offline analysis, and report drill down capability. ·       It will collect, store, and report various SLA data. ·       It will provide the necessary intelligence for marketing and working on campaigns, etc., with cost benefit analysis and predictions.   It will advise on customer promotions with additional services based on loyalty and credit history of customer   ·       It will Interface with Enterprise Data Management system for data to run reports and analysis tasks. It will interface with the campaign schedules, based on historical success evidence.   (vi) Stakeholder and External Relations Management   It manages the enterprise's relationship with stakeholders and outside entities. Stakeholders include shareholders, employee organizations, etc. Outside entities include regulators, local community, and unions. Some of the processes within this grouping are Shareholder Relations, External Affairs, Labor Relations, and Public Relations.   (vii) Enterprise Resource Planning   It is used to manage internal and external resources, including tangible assets, financial resources, materials, and human resources. Its purpose is to facilitate the flow of information between all business functions inside the boundaries of the enterprise and manage the connections to outside stakeholders. ERP systems consolidate all business operations into a uniform and enterprise wide system environment.   The key roles and responsibilities for Enterprise System are given below:   ·        It will handle responsibilities such as core accounting, financial, and management reporting. ·       It will interface with CRM for capturing customer account and details. ·       It will interface with billing to capture the billing revenue and other financial data. ·       It will be responsible for executing the dunning process. Billing will send the required feed to ERP for execution of dunning. ·       It will interface with the CRM and Billing through batch interfaces. Enterprise management systems are like horizontals in the enterprise and typically interact with all major telecom systems. E.g., an ERP system interacts with CRM, Fulfillment, and Billing systems for different kinds of data exchanges.   6. External Interfaces/Touch Points   The typical external parties are customers, suppliers/partners, employees, shareholders, and other stakeholders. External interactions from/to a Service Provider to other parties can be achieved by a variety of mechanisms, including:   ·       Exchange of emails or faxes ·       Call Centers ·       Web Portals ·       Business-to-Business (B2B) automated transactions   These applications provide an Internet technology driven interface to external parties to undertake a variety of business functions directly for themselves. These can provide fully or partially automated service to external parties through various touch points.   Typical characteristics of these touch points are   ·       Pre-integrated self-service system, including stand-alone web framework or integration front end with a portal engine ·       Self services layer exposing atomic web services/APIs for reuse by multiple systems across the architectural environment ·       Portlets driven connectivity exposing data and services interoperability through a portal engine or web application   These touch points mostly interact with the CRM systems for requests, inquiries, and responses.   7. Middleware   The component will be primarily responsible for integrating the different systems components under a common platform. It should provide a Standards-Based Platform for building Service Oriented Architecture and Composite Applications. The following lists the high-level roles and responsibilities executed by the Middleware component in the end-to-end solution.   ·       As an integration framework, covering to and fro interfaces ·       Provide a web service framework with service registry. ·       Support SOA framework with SOA service registry. ·       Each of the interfaces from / to Middleware to other components would handle data transformation, translation, and mapping of data points. ·       Receive data from the caller / activate and/or forward the data to the recipient system in XML format. ·       Use standard XML for data exchange. ·       Provide the response back to the service/call initiator. ·       Provide a tracking until the response completion. ·       Keep a store transitional data against each call/transaction. ·       Interface through Middleware to get any information that is possible and allowed from the existing systems to enterprise systems; e.g., customer profile and customer history, etc. ·       Provide the data in a common unified format to the SOA calls across systems, and follow the Enterprise Architecture directive. ·       Provide an audit trail for all transactions being handled by the component.   8. Network Elements   The term Network Element means a facility or equipment used in the provision of a telecommunications service. Such terms also includes features, functions, and capabilities that are provided by means of such facility or equipment, including subscriber numbers, databases, signaling systems, and information sufficient for billing and collection or used in the transmission, routing, or other provision of a telecommunications service.   Typical network elements in a GSM network are Home Location Register (HLR), Intelligent Network (IN), Mobile Switching Center (MSC), SMS Center (SMSC), and network elements for other value added services like Push-to-talk (PTT), Ring Back Tone (RBT), etc.   Network elements are invoked when subscribers use their telecom devices for any kind of usage. These elements generate usage data and pass it on to downstream systems like mediation and billing system for rating and billing. They also integrate with provisioning systems for order/service fulfillment.   9. 3rd Party Applications   3rd Party systems are applications like content providers, payment gateways, point of sale terminals, and databases/applications maintained by the Government.   Depending on applicability and the type of functionality provided by 3rd party applications, the integration with different telecom systems like CRM, provisioning, and billing will be done.   10. Service Delivery Platform   A service delivery platform (SDP) provides the architecture for the rapid deployment, provisioning, execution, management, and billing of value added telecom services. SDPs are based on the concept of SOA and layered architecture. They support the delivery of voice, data services, and content in network and device-independent fashion. They allow application developers to aggregate network capabilities, services, and sources of content. SDPs typically contain layers for web services exposure, service application development, and network abstraction.   SOA Reference Architecture   SOA concept is based on the principle of developing reusable business service and building applications by composing those services, instead of building monolithic applications in silos. It’s about bridging the gap between business and IT through a set of business-aligned IT services, using a set of design principles, patterns, and techniques.   In an SOA, resources are made available to participants in a value net, enterprise, line of business (typically spanning multiple applications within an enterprise or across multiple enterprises). It consists of a set of business-aligned IT services that collectively fulfill an organization’s business processes and goals. We can choreograph these services into composite applications and invoke them through standard protocols. SOA, apart from agility and reusability, enables:   ·       The business to specify processes as orchestrations of reusable services ·       Technology agnostic business design, with technology hidden behind service interface ·       A contractual-like interaction between business and IT, based on service SLAs ·       Accountability and governance, better aligned to business services ·       Applications interconnections untangling by allowing access only through service interfaces, reducing the daunting side effects of change ·       Reduced pressure to replace legacy and extended lifetime for legacy applications, through encapsulation in services   ·       A Cloud Computing paradigm, using web services technologies, that makes possible service outsourcing on an on-demand, utility-like, pay-per-usage basis   The following section represents the Reference Architecture of logical view for the Telecom Solution. The new custom built application needs to align with this logical architecture in the long run to achieve EA benefits.   Packaged implementation applications, such as ERP billing applications, need to expose their functions as service providers (as other applications consume) and interact with other applications as service consumers.   COT applications need to expose services through wrappers such as adapters to utilize existing resources and at the same time achieve Enterprise Architecture goal and objectives.   The following are the various layers for Enterprise level deployment of SOA. This diagram captures the abstract view of Enterprise SOA layers and important components of each layer. Layered architecture means decomposition of services such that most interactions occur between adjacent layers. However, there is no strict rule that top layers should not directly communicate with bottom layers.   The diagram below represents the important logical pieces that would result from overall SOA transformation. @font-face { font-family: "Arial"; }@font-face { font-family: "Courier New"; }@font-face { font-family: "Wingdings"; }@font-face { font-family: "Cambria"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoCaption, li.MsoCaption, div.MsoCaption { margin: 0cm 0cm 10pt; font-size: 9pt; font-family: "Times New Roman"; color: rgb(79, 129, 189); font-weight: bold; }p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast { margin: 0cm 0cm 0.0001pt 36pt; font-size: 12pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; }ol { margin-bottom: 0cm; }ul { margin-bottom: 0cm; } Figure 3. Enterprise SOA Reference Architecture 1.          Operational System Layer: This layer consists of all packaged applications like CRM, ERP, custom built applications, COTS based applications like Billing, Revenue Management, Fulfilment, and the Enterprise databases that are essential and contribute directly or indirectly to the Enterprise OSS/BSS Transformation.   ERP holds the data of Asset Lifecycle Management, Supply Chain, and Advanced Procurement and Human Capital Management, etc.   CRM holds the data related to Order, Sales, and Marketing, Customer Care, Partner Relationship Management, Loyalty, etc.   Content Management handles Enterprise Search and Query. Billing application consists of the following components:   ·       Collections Management, Customer Billing Management, Invoices, Real-Time Rating, Discounting, and Applying of Charges ·       Enterprise databases will hold both the application and service data, whether structured or unstructured.   MDM - Master data majorly consists of Customer, Order, Product, and Service Data.     2.          Enterprise Component Layer:   This layer consists of the Application Services and Common Services that are responsible for realizing the functionality and maintaining the QoS of the exposed services. This layer uses container-based technologies such as application servers to implement the components, workload management, high availability, and load balancing.   Application Services: This Service Layer enables application, technology, and database abstraction so that the complex accessing logic is hidden from the other service layers. This is a basic service layer, which exposes application functionalities and data as reusable services. The three types of the Application access services are:   ·       Application Access Service: This Service Layer exposes application level functionalities as a reusable service between BSS to BSS and BSS to OSS integration. This layer is enabled using disparate technology such as Web Service, Integration Servers, and Adaptors, etc.   ·       Data Access Service: This Service Layer exposes application data services as a reusable reference data service. This is done via direct interaction with application data. and provides the federated query.   ·       Network Access Service: This Service Layer exposes provisioning layer as a reusable service from OSS to OSS integration. This integration service emphasizes the need for high performance, stateless process flows, and distributed design.   Common Services encompasses management of structured, semi-structured, and unstructured data such as information services, portal services, interaction services, infrastructure services, and security services, etc.   3.          Integration Layer:   This consists of service infrastructure components like service bus, service gateway for partner integration, service registry, service repository, and BPEL processor. Service bus will carry the service invocation payloads/messages between consumers and providers. The other important functions expected from it are itinerary based routing, distributed caching of routing information, transformations, and all qualities of service for messaging-like reliability, scalability, and availability, etc. Service registry will hold all contracts (wsdl) of services, and it helps developers to locate or discover service during design time or runtime.   • BPEL processor would be useful in orchestrating the services to compose a complex business scenario or process. • Workflow and business rules management are also required to support manual triggering of certain activities within business process. based on the rules setup and also the state machine information. Application, data, and service mediation layer typically forms the overall composite application development framework or SOA Framework.   4.          Business Process Layer: These are typically the intermediate services layer and represent Shared Business Process Services. At Enterprise Level, these services are from Customer Management, Order Management, Billing, Finance, and Asset Management application domains.   5.          Access Layer: This layer consists of portals for Enterprise and provides a single view of Enterprise information management and dashboard services.   6.          Channel Layer: This consists of various devices; applications that form part of extended enterprise; browsers through which users access the applications.   7.          Client Layer: This designates the different types of users accessing the enterprise applications. The type of user typically would be an important factor in determining the level of access to applications.   8.          Vertical pieces like management, monitoring, security, and development cut across all horizontal layers Management and monitoring involves all aspects of SOA-like services, SLAs, and other QoS lifecycle processes for both applications and services surrounding SOA governance.     9.          EA Governance, Reference Architecture, Roadmap, Principles, and Best Practices:   EA Governance is important in terms of providing the overall direction to SOA implementation within the enterprise. This involves board-level involvement, in addition to business and IT executives. At a high level, this involves managing the SOA projects implementation, managing SOA infrastructure, and controlling the entire effort through all fine-tuned IT processes in accordance with COBIT (Control Objectives for Information Technology).   Devising tools and techniques to promote reuse culture, and the SOA way of doing things needs competency centers to be established in addition to training the workforce to take up new roles that are suited to SOA journey.   Conclusions   Reference Architectures can serve as the basis for disparate architecture efforts throughout the organization, even if they use different tools and technologies. Reference architectures provide best practices and approaches in the independent way a vendor deals with technology and standards. Reference Architectures model the abstract architectural elements for an enterprise independent of the technologies, protocols, and products that are used to implement an SOA. Telecom enterprises today are facing significant business and technology challenges due to growing competition, a multitude of services, and convergence. Adopting architectural best practices could go a long way in meeting these challenges. The use of SOA-based architecture for communication to each of the external systems like Billing, CRM, etc., in OSS/BSS system has made the architecture very loosely coupled, with greater flexibility. Any change in the external systems would be absorbed at the Integration Layer without affecting the rest of the ecosystem. The use of a Business Process Management (BPM) tool makes the management and maintenance of the business processes easy, with better performance in terms of lead time, quality, and cost. Since the Architecture is based on standards, it will lower the cost of deploying and managing OSS/BSS applications over their lifecycles.

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• Web-Access Device 'Fingerprints' Identify the Bad Guys

  Our colleagues at IT Business Edge speak with Scott Waddell, vice president of technology at iovation, about fraud prevention and risk mitigation.

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• Profit's COLLABORATE 10 Session Selections

  - by Aaron Lazenby

  COLLABORATE 2010 is a mere 11 days away (thanks for the reminder @ocp_advisor). Every year I publish my a list of the sessions I think reflect some of the more interesting people/trends in enterprise IT. I should be at all of these sessions, so drop by for a chat--I'll be the guy tapping out emails on my iPad... Monday, April 19 9:15 a.m. - Keynote: Transforming Customer Value, Delivering Highest Customer Service Location: Keynote Hall I never miss Charles Phillips when he speaks--it's one of the best opportunities to get an update on Oracle product developments and strategy. And there's certainly occasion for an update: this will be Phillips' first big presentation since the Oracle + Sun Strategy Update in late January. Phillips is appearing with Oracle Executive Vice President of Development Thomas Kurian which means there should be some excellent information about how customers are using Oracle's complete software and hardware stack to address enterprise IT challenges. The session should provide some excellent context for the rest of the week's session...don't miss it. 10:45 a.m. - Oracle Fusion Applications: Functional Overview Location: South Seas FI met Basheer Khan at COLLABORATE 08 in Denver and have followed his work ever since. He's a former member of the OAUG Board of Directors, an Oracle ACE, and a charismatic enterprise IT expert. Having worked with the Oracle Usability Advisory Board, Basheer should have some fascinating insights to share about the features and interface of Oracle's Fusine Applications. This session, along with Nadia Bendjedou's "10 Things You Can Do Today to Prepare for the Next Generation Applications" (on Tuesday, April 20 8:00 a.m. in room 3662) should give attendees the update they need about Oracle's next-generation applications.   1:15p.m. - E-Business Suite in the Amazon Cloud Location: South Seas HI did my first full-fledged cloud computing coverage at last year's COLLABORATE show (check out my interview with Oracle's Bill Hodak), where I first learned about Amazon's EC2 offering. I've since talked with several people who have provisioned server space on Amazon's cloud with great results. So I'm looking forward to watching the audience configure an instance of the Oracle E-Business Suite release 12 on the cloud while Chuck Edwards from Blue Gecko drives. This session should take some of the mist and vapor out of the cloud conversation.2:30 p.m. - "Zero Sign-on" to EBS - Enabling 96000 Users to Login to EBS Without User Maintenance Location: South Seas HI'll be sitting tight in South Seas H for the next session on Monday where Doug Pepka, a ten-year veteran of communications giant Comcast, will be walking attendees through a massive single sign-on (SSO) project across the enterprise. I'm working on a story about SSO for the August issue of Profit, so this session has real practical value to me. Plus the proliferation of user account logins--both personal and professional--makes this a critical usability/change management issue for IT leaders planning for successful long-term IT implementations.   Tuesday 8:00 am  - Information Architecture for Men in Kilts Location: SURF AGetting to a 8:00 a.m. presentation is a tall order in Las Vegas, but presenter Billy Cripe will make it worth your effort. Not only is the title of this session great, but the content should appeal to any IT strategist looking to push the limits of Web 2.0 technologies in the enterprise. Cripe is a product management director of Enterprise 2.0 and Enterprise Content Management at Oracle, author of Reshaping Your Business with Web 2.0, and a prolific blogger--he knows how information architecture is critical to and enterprise 2.0 implementation.    10:30a.m. - Oracle Virtualization: From Desktop to Data Center Location: REEF FData center virtualization is still one of the best ways to reduce the cost of running enterprise IT. With the addition of Sun products, Oracle has the industry's most comprehensive virtualization portfolio. I must admit, I'm no expert in this subject. So I'm looking forward to Monica Kumar's presentation so I can get up to speed.   Wednesday 8:00 a.m. - The Art of the Steal Location: Mandalay Bay Ballroom JMany will know Frank Abagnale from Steven Spielberg's 2002 film "Catch Me if You Can." The one-time con man and international fugitive who swindled $2.5 million in forged checks went on to help U.S. federal officials investigate fraud cases. Now the CEO of Abagnale and Associates, he has become an invaluable source to the business world on the subject of fraud and fraud protection. With identity theft and digital fraud still on the rise, this session should be an entertaining, and sobering, education on the threats facing businesses and customers around the world. A great way to start Wednesday.1:00 p.m. - Google Wave: Will it replace e-mail as we know it today? Location: SURF EBy many assessments (my own included), Google Wave is a bit of an open collaboration failure. It may seem like an odd reason for me to be excited about this session, but I'm looking forward to the chance to revisit the technology. Also, this is a great case study in connecting free, available Internet tools to existing enterprise computing environments--an issue that IT strategists must contend with as workers spreads out and choose their own productivity tools.  

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• build a Database from Ms Word list information...

  - by Jayron Soares

  Please someone can advise me how to approach a given problem: I have a sequential list of metadata in a document in MS Word. The basic idea is create a python algorithm to iterate over of the information, retrieving just the name of PROCESS, when is made a queue, from a database. for example. Process: Process Walker (1965) Exact reference: Walker Process Equipment., nc. v. Food Machinery Corp.. Link: http://caselaw.lp.findlaw.com/scripts/getcase.pl?court=US&vol=382&invol= Type of procedure: Certiorari To The United States Court of Appeals for the SeventhCircuit. Parties: Walker Process Equipment, Inc. Sector: Systems is … Start Date: October 12-13 Arguedas, 1965 Summary: Food Machinery Company has initiated a process to stop or slow the entry of competitors through the use of a patent obtained by fraud. The case concerned a patenton "knee ction swing diffusers" used in aeration equipment for sewage treatment systems, and the question was whether "the maintenance and enforcement of a patent obtained by fraud before the patent office" may be a basis for antitrust punishment. Report of the evolution process: petitioner, in answer to respond .. Importance: a) First case which established an analysis for the diagnosis of dispute… There are about 200 pages containing the information above. I have in mind the idea of creating an algorithm in python to be able to break this information sequenced and try to store them in a web database[open source application that I’m looking for] in order to allow for free consultations ...

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• What is the best way to build a database from a MS Word document?

  - by Jayron Soares

  Please advise me on how to approach this problem: I have a sequential list of metadata in a document in MS Word. The basic idea is to create a Python algorithm to iterate over the information, retrieving just the name of the PROCESS, when is made a queue, from a database. Example metadata: Process: Process Walker (1965) Exact reference: Walker Process Equipment., Inc. v. Food Machinery Corp. Link: http://caselaw.lp.findlaw.com/scripts/getcase.pl?court=US&vol=382&invol= Type of procedure: Certiorari to the United States Court of Appeals for the Seventh Circuit. Parties: Walker Process Equipment, Inc. Sector: Systems is ... Start Date: October 12-13 Arguedas, 1965 Summary: Food Machinery Company has initiated a process to stop or slow the entry of competitors through the use of a patent obtained by fraud. The case concerned a patent on "knee action swing diffusers" used in aeration equipment for sewage treatment systems, and the question was whether "the maintenance and enforcement of a patent obtained by fraud before the patent office" may be a basis for antitrust punishment. Report of the evolution process: petitioner, in answer to respond... Importance: a) First case which established an analysis for the diagnosis of dispute… There are about 200 pages containing the information above. I have in mind the idea of implementing an algorithm in Python to be able to break this information sequence and try to store it in a web database (an open source application that I’m looking for) in order to allow for free consultations.

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