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 Number : BCP-521
Exam Name : Integrating the BlackBerry MVS SIP Gateway Solution
Vendor Name : BlackBerry
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BCP-521 exam Format | BCP-521 Course Contents | BCP-521 Course Outline | BCP-521 exam Syllabus | BCP-521 exam Objectives


Exam: BCP-521 Integrating the BlackBerry MVS SIP Gateway Solution

Exam Details:
- Number of Questions: The exam consists of approximately 40 multiple-choice questions.
- Time: Candidates are given 90 minutes to complete the exam.

Course Outline:
The Integrating the BlackBerry MVS SIP Gateway Solution course is designed to provide professionals with the knowledge and skills required to integrate the BlackBerry Mobile Voice System (MVS) SIP Gateway solution into an existing telecommunications infrastructure. The course covers the following topics:

1. Introduction to BlackBerry MVS SIP Gateway
- Overview of BlackBerry MVS SIP Gateway solution and its benefits
- Understanding the components and architecture of BlackBerry MVS SIP Gateway
- Integration requirements and considerations
- Navigating BlackBerry MVS SIP Gateway administration interfaces

2. BlackBerry MVS SIP Gateway Architecture
- BlackBerry Enterprise Server and BlackBerry MVS SIP Gateway components
- Integration with SIP-based PBX and IP-PBX systems
- Configuration of BlackBerry MVS SIP Gateways and trunks
- High availability and redundancy options

3. BlackBerry MVS SIP Gateway Deployment
- Pre-deployment planning and exam
- Installation and configuration of BlackBerry MVS SIP Gateway components
- Integration with telephony infrastructure
- Provisioning BlackBerry MVS SIP Gateway users and devices

4. BlackBerry MVS SIP Gateway Features and Functionality
- Making and receiving calls using BlackBerry MVS SIP Gateway
- Voicemail integration and call handling options
- Mobile unified communications features
- Troubleshooting common BlackBerry MVS SIP Gateway issues

Exam Objectives:
The exam aims to assess candidates' understanding and proficiency in the following areas:

1. Knowledge of BlackBerry MVS SIP Gateway solution and its benefits
2. Understanding of BlackBerry MVS SIP Gateway architecture and components
3. Competence in integrating BlackBerry MVS SIP Gateway with SIP-based PBX and IP-PBX systems
4. Proficiency in deploying and configuring BlackBerry MVS SIP Gateway components
5. Familiarity with BlackBerry MVS SIP Gateway features and functionality

Exam Syllabus:
The exam syllabus covers the following topics:

- Introduction to BlackBerry MVS SIP Gateway
- BlackBerry MVS SIP Gateway solution overview and benefits
- Components and architecture of BlackBerry MVS SIP Gateway

- BlackBerry MVS SIP Gateway Architecture
- BlackBerry Enterprise Server and BlackBerry MVS SIP Gateway components
- Integration with SIP-based PBX and IP-PBX systems
- Configuration of BlackBerry MVS SIP Gateways and trunks

- BlackBerry MVS SIP Gateway Deployment
- Planning and exam
- Installation and configuration of BlackBerry MVS SIP Gateway components
- Integration with telephony infrastructure

- BlackBerry MVS SIP Gateway Features and Functionality
- Making and receiving calls using BlackBerry MVS SIP Gateway
- Voicemail integration and call handling
- Mobile unified communications features
- Troubleshooting BlackBerry MVS SIP Gateway issues

Candidates are expected to have a comprehensive understanding of these syllabus to successfully pass the exam and demonstrate their proficiency in integrating the BlackBerry MVS SIP Gateway solution into an existing telecommunications infrastructure.



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2023 exam information - GCSEs and Highers

GCSE examinations in 2023 will mainly return to pre-pandemic arrangements, after several years of disruption due to Covid-19.

Dr Jo Saxton from Ofqual said "I can confirm that, in 2023, they will return to pre-pandemic grading as the next step in getting back to normal.

"But giving the 2023 cohort some protection against any impact of COVID-19 disruption is the right thing to do.

"Students in the 2023 cohort have not experienced national school and college closures during their 2-year courses of study, but they know they have experienced some disruption.

“That’s why we’re putting in place some protection for this cohort.”

Return to full curriculum

Grade boundaries for 2023 examinations will be guided by the grades achieved by cohorts of students in pre-pandemic years, alongside prior attainment data. Dr Saxton said this “means the 2023 cohort will be protected in grading terms if their exam performance is a little lower than before the pandemic.”

In May the Department for Education confirmed that there would be a return to full curriculum coverage in examinations for all GCSE subjects.

Advance information of exam content will no longer be provided, but students taking GCSE maths, physics and combined science will have formulae and equation sheets.


 




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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

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.

Erpressung

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:

Cyber-Kosten:

  • 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

Cyber-Eigenschäden:

  • 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