2.4 Additional Dimensions

Next to the dimensions discussed above, there are other ones, which have an effect on security in an EBP. Manchala identifies the monetary height of the transaction and the shopping history of the consumer as factors relevant for trust in e-commerce. Clearly, these factors are possible dimensions for our framework, too. A company might activate additional security mechanisms for a customer if this customer has had problems with paying goods in the past or if the customer orders goods of an exceptionally high value. Alternatively, if the shopping history of a customer has shown his trustworthiness the security mechanisms may be lowered.

Also, customers might be concerned about paying a company if there are rumors about bankruptcy. Additionally, the different sites of an EBP can be used as another dimension. The following three sites are typical for a simple EBP because of its distributed nature:

– merchant’s site,

– customer’s site, and

– transmission way (the Internet).
Fig2Accountability As An_decrypted
Figure 2 gives an (incomplete) overview of security mechanisms that may be used in the four different phases

This distinction has been used and analyzed in and. The security requirements on the transmission way may vary, e.g. the delivery of an electronic document is less demanding concerning the availability of the Internet than the broadcast/streaming of a movie or concert. Nevertheless, a customer or merchant will typically not have the means to change the structure of security mechanisms outside their domains – especially since many other parties such as network providers, telecommunication companies, hardware and software companies, etc. may be involved in between.

The physical location (such as address and country) of customer and merchant might be of interest, too. On the one hand an Internet user might have objections ordering goods from specific countries. On the other hand, an online dealer might not be allowed to deliver goods to certain countries because of trade regulations.

The type of process has great impact on security requirements. The process of filling out an online questionnaire to obtain a free homepage raises less security questions than an online banking transaction such as a money transfer or the purchase of shares. Our framework is capable of structuring such differences.

Clearly, the type of product changes the security requirements. As we will show in the sample process, a book and online-video require different security mechanisms during the delivery phase.

To be precise, another dimension – the data ownership dimension -should be included in our framework. When talking about security objectives (e.g. confidentiality) at a specific party (e.g. merchant) it is not a priori clear whose data are under consideration. It could be the merchant’s as well as the customer’s data.

Nevertheless, usually the customer will give sensitive information such as credit card number and address to the merchant. In the remainder of this paper – especially in the sample scenario – we will restrict ourselves to the discussion of the three major dimensions security objective, party, and phase in order to keep the granularity of the framework on a manageable level. Other dimensions, which have been topic of this section, will be mentioned but not discussed in depth.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

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