Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Exam Name : Planning & Scheduling Professional?
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AACE Scheduling course outline


Banner 9 Course Schedule

On This Page

View the Course Schedule

Next-Generation Course Schedule

The Banner 9 schedule of classes, which has been in preview for the last year, will become the primary schedule on March 9. The new Banner 9 schedule of classes provides a series of new features, a modern web experience, and delivers fast, real time search results.  Among the new features, you will find:

  • advanced course details
  • search-as-you-type results
  • keyword searching
  • historical schedule searches
  • link and lab detail
  • day/hour filtering
  • searching by instructor (when logged in)
  • location and building search filters
  • Using the Course Schedule (Schedule of Classes)

    Students, faculty and staff can access the new schedule of classes using this direct link, or by selecting the "Course Schedule" link the Registrar channel within myRedDragon. 

    1 - Select a Term

     Select a term using the drop, or filter the results by typing into the text field.Screen Shot of the Term Search Field

    2 - Select or Enter Search Terms

    After selecting a term, you will be presented with the schedule search page.  From here, you can search all published courses. Use the basic search, or click the advanced search link to perform a more complex search.

    Screen Shot of Basic Search Fields

    When performing a search, you can select from the drop down fields or type in the text field. You can select multiple search items in each field.

    Search Field With Multiple Selections

    When searching for any value, you may use the percent sign (%) as a wildcard.  For example, you can search for all 100 level courses by typing "1%".

    Wildcard Searching Example

    3 - Filter and Review the Search Results

    After you select your search items, you will be presented with the search result table.  The new result table allows you to review advanced course information quickly, without leaving the page.

    Example of the Schedule Result

    You can tailor your view of the page by clicking the settings gear in the top right corner.  Click on the checkboxes to show or hide columns. 

    Filter View Pane           

    To sort a column in ascending or descending order, click the text in the column header.

    Sort Column

    You can also select the number of results per page and navigate between result pages.

    Display Amount

    To view advanced course details, click on the course title on the results table. A smaller window will appear that provides access to all of the course details and advanced details. Click the menu items on the left hand side to review specific course details.

    Course Details

    Additional Details and New Features Notes, Requirements and Course Details

    With the new schedule of classes, departments may include additional course details, links and syllabus information.  Click "Requirements and Notes" to view section notes and notices (see below).

    Special Course Details

    Linked Sections and Co-Requisites

    The Banner 9 schedule of classes provides an easy-to-read listing of linked courses. Linked course may include labs, recitations and co-requisite courses.  To view linked or associated sections, click the "Linked" menu item and/or the "Co-requisites" menu item in the course detail window.

    Linked Courses

    Co-Req Courses

    In addition to seeing this information in the course detail pane, linked courses are very clearly marked on the search results page. 

    Linked Visibility

    Clicking the [View Linked] button opens a detailed display window, which shows linked courses.Detailed Link Window

    Frequently Asked Questions

    Why is the schedule changing?

    The schedule is part of the modern Banner 9 web interface that is already in use in other areas of the system. This is part of the ongoing conversion to new tools, as older Banner 8 features and services are retired and updated to work with Banner 9.  

    Is this schedule public, or is it just for students and faculty?

    The schedule of classes is available to the public. When students, faculty and staff are logged in, they will have access to additional search features.

    Will I use this when I register?

    Yes. The public schedule is a variant of the schedule used when adding and dropping courses. This means, you will have a seamless registration experience and will not be required to view different versions of the schedule. They anticipate rolling out improved registration features for the Fall 2020 pre-registration window.

    Is the schedule real time?

    Yes. The schedule is real time and any changes that occur in registration will be immediately reflected on the schedule. In addition the schedule uses term and catalog-appropriate course descriptions and information.

    Can I still see "class notes" and special notices?

    Yes. You can view class notes for courses - without leaving the page - by clicking the course title within search results. Select "Requirements and Notes". Class notes have also been expanded to include additional information such as required materials and web links.

    Will I still be able to access textbook information?

    Yes. The schedule of classes still includes a link to the College's textbook lookup tool. Simply click on the "Textbook Information" link in the course details.

    Will this work on my phone and tablet?

    Yes. A major reason for moving to new services is that they are designed to work with a broad array of screens and devices. The new schedule is mobile-friendly and responsive.

    Can I view past terms?

    Yes. The schedule will supply you the ability to look at past terms and course descriptions. Simply select the term you would like to view on the term selection page.

    When searching for departments or subjects, the full title is shown. Do I search by title or code?

    Either will work. The schedule searches for codes (prefixes) and the formal name when filtering. You can search using any combination, and you can select multiple departments and subjects when searching.

    Can I search by keyword?

    Yes. The schedule lets you search for keywords using an exact phrase, all of the text entered, or just a portion of text. The keyword options search within the course description, title, subject and associated notes and information.

    Will I still be able to use the former course schedule?

    Yes. The former schedule will remain online through Spring 2020 to allow users to transition, and to supply the campus an opportunity to update web pages, documents, instructions and guidance. It will be retired in early June 2020.

    Course Information & Schedule

    The Course Information and Schedule in Agora Portal includes course descriptions, faculty, meeting times, and room assignments. You may search by term, school, keyword, and subject code (required for MCAS courses).

    You can customize your search by using filters to select course number ranges, course levels, meeting days and times, credit hours, and open or closed courses. Remember to clear your filters or Start Over when you begin a new search.

    To expand information about a course, click on More Detail to view the short course description. Click on the course title to view a more detailed course description, including any course pre- or corequisites and Core requirements, and links to syllabi, course evaluations, and textbook information, if available. Access to course evaluation surveys and syllabi are also available from the Course Information and Schedule landing page.

    Course Information and Schedule is limited to members of the BC community, so you must authenticate by logging into www.bc.edu/myservices. A more restrictive view is available to the public.

    Office of the Registrar

  • All course scheduling is done through the Google Drive system.
  • Course schedule changes requested stated deadlines are to be submitted to the Office of the Registrar.
  • Please note that New York state education regulations require that all faculty members who teach in graduate degree programs possess relevant doctoral or other terminal degrees in the fields in which they teach. Alternatively, faculty members can be selected to teach in graduate degree programs if they have other special competences that qualify them to teach at the graduate level. 
  • View Current Course Schedule


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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen


    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten


    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug