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 : NCIDQ
Exam Name : National Council for Interior Design Qualification
Vendor Name : CIDQ
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NCIDQ exam Format | NCIDQ Course Contents | NCIDQ Course Outline | NCIDQ exam Syllabus | NCIDQ exam Objectives


The exam includes 100 scored questions and 25 unscored pilot questions. The IDFX addresses the content areas of Building Systems and Construction, Programming and Site Analysis, Human Behavior and the Designed Environment, Construction Drawing and Specifications, among others. Candidates have three hours to complete the IDFX. Available to approved candidates with their education and work experience requirements, and new interior design graduates and students in the last year of a Bachelor or Master Degree-Seeking interior design program who have not yet completed their work experience.



IDPX computerized multiple choice exam

The Interior Design Professional exam (IDPX) is available to approved candidates who have completed both their education and the required amount of work experience. The exam consists of 150 scored questions and 25 unscored pilot questions. The IDPX addresses the content areas of Codes and Standards, Building Systems and Integration, Project Coordination, Professional and Business Practices, among others. Candidates are given four hours to complete the IDPX.



PRAC computerized interactive exam

The Interior Design Practicum exam (PRAC) is available to approved candidates who have completed both their education and the required amount of work experience. PRAC utilizes three (3) CIDQ case studies: large commercial, small commercial, and multi-family residential, to assess a candidates ability to synthesize information related to the design process and make a judgment using the resources provided.



Interior design is a distinct profession with specialized knowledge applied to the planning and design of interior environments that promote health, safety, and welfare while supporting and enhancing the human experience. Founded upon design and human behavior theories and research, interior designers apply evidence-based methodologies to identify, analyze, and synthesize information in generating holistic, technical, creative, and contextually-appropriate design solutions.



Interior design encompasses human-centered strategies that may address cultural, demographic, and political influences on society. Interior designers provide resilient, sustainable, adaptive design and construction solutions focusing on the evolution of technology and innovation within the interior environment. Qualified by means of education, experience, and examination, interior designers have a moral and ethical responsibility to protect consumers and occupants through the design of code-compliant, accessible, and inclusive interior environments that address well-being, while considering the complex physical, mental, and emotional needs of people.



Interior designers contribute to the interior environment with knowledge and skills about space planning; interior building materials and finishes; casework, furniture, furnishings, and equipment; lighting; acoustics; wayfinding; ergonomics and anthropometrics; and human environmental behavior. Interior designers analyze, plan, design, document, and manage interior non-structural/non-seismic construction and alteration projects in compliance with applicable building design and construction, fire, life-safety, and energy codes, standards, regulations, and guidelines for the purpose of obtaining a building permit, as allowed by law.



​Every PRAC question will be attached to a case study which will include various resources surrounding the design scenario. CIDQ case studies include: a project scenario, universal codes, a plan and other resources that might be needed to answer a question correctly. As with the multiple choice exams, all PRAC questions are worth one point and the question must be answered in its entirety. No partial credit will be given. Candidates are given 4 hours to complete the PRAC Exam.



Interior design includes a scope of services which may include any or all of the following tasks:

Project Management: Management of project budget, contracts, schedule, consultants, staffing, resources, and general business practices. Establish contractually independent relationships to coordinate with, and/or hire allied design professionals and consultants.



Project Goals: Understand, document, and confirm the clients and stakeholders goals and objectives, including design outcomes, space needs, project budget, and needs for specific or measurable outcomes.



Data Collection: Collect data from client and stakeholders by engaging in programming, surveys, focus groups, charrette exercises, and benchmarking to maximize design outcomes and occupant satisfaction.



Existing Conditions: Evaluate, assess, and document existing conditions of interior environments.



Conceptualization: Application of creative and innovative thinking that interprets collected project data and translates a unique image or abstract idea as a design concept, the foundation of a design solution. The concept is then described using visualization and communication strategies.



Selections and Materiality: Selection of interior building products, materials, and finishes; furniture, furnishings, equipment, and casework; signage; window treatments, and other non-structural/non-seismic interior elements, components, and assemblies. Selections shall be made based on client and occupant needs, project budget, maintenance and cleaning requirements, lifecycle performance, sustainable attributes, environmental impact, installation methods, and code-compliance.



Documentation: Develop contract documents for the purposes of communicating design intent and obtaining a building permit, as allowed by law. Documentation by phases may include schematic, design development, and construction drawings and specifications. Drawings may consist of floor plans, partition plans, reflected ceiling plans, and finish plans; furniture, furnishings, and equipment plans; wayfinding and signage plans; code plans; coordination plans; and elevations, sections, schedules, and details illustrating the design of non-load-bearing / non-seismic interior construction and/or alterations.



Coordination: Overseeing non-structural/non-seismic interior design scope in concert with the scope of allied design professionals and consultants, including, but not limited to, the work of architects, mechanical, electrical, plumbing, and fire-protection engineers and designers, and acoustical, audio-visual, low-voltage, food service, sustainability, security, technology, and other specialty consultants. Coordination can include, but is not limited to:



Placement, style and finish of mechanical, electrical, plumbing, and fire-protection devices, fixtures, and appurtenances (i.e., accessories) with the design of the interior environment.



Ceiling materials and heights; interior partition locations.



Acoustical appropriateness of spatial arrangements, construction, and finish materials.



Working closely with contractors to respect budgetary constraints and contribute to value engineering efforts.



Contract Administration: Administration of the contract as the owners agent, including the distribution and analysis of construction bids, construction administration, review of contractor payment applications, review of shop drawings and submittals, field observation, punch list reports, and project closeout.



Pre-Design and/or Post-Design Services: Tasks intended to measure success of the design solution by implementing various means of data collection, which may include occupant surveys, focus groups, walkthroughs, or stakeholder meetings. Collection and reporting findings can range from casually to scientifically gathered, depending on the projects scope and goals.



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CIDQ for exam syllabus

 

Syllabus and Course Development

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  • The Teaching and Learning Center (TLC) supports Drexel University instructors in course development, including the development of course learning goals and the design of exams and learning activities to meet those goals. This site provides links to a number of resources that can assist instructors in that process, as well as links to important policies and information that instructors at Drexel should use in the creation of their syllabi. In addition to these resources, TLC consultants are available for individual consultations at any stage of the course and syllabus development process.

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    Final exam Schedule

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    Primary Navigation Final exam Schedule 2023-2024 Final exam Management
  • No final exams shall be held on Fridays during Spring terms due to conflicts with Commencement.
  • Consult the course syllabus for the final exam date and time or one day courses not listed above, all summer courses, courses with special session dates, and courses without room assignments.
  • Final exams for one day courses, not listed above, will follow the final exam schedule unless the course syllabus states otherwise.
  • Classes that start within the day(s) and start hours listed above, but before the next class start time group will hold their final exam on the relevant exam date and time.
  • For example, a class start time on MWF or MW, 7:00 a.m. through 7:59 a.m. will hold their final exam on the relevant Monday exam date, 8:00 a.m. to 10:00 a.m.; the MWF class start time from 9:00 a.m. through 9:59 a.m. will hold their final exam on the relevant Wednesday, 8:00 a.m. to 10:00 a.m., and so on.
  • All Saturday only afternoon classes will follow the 12:00 p.m. final exam schedule.
  • Classes meeting four or five days a week will follow the MWF schedule.
  • Exam hours for classes involving lecture and laboratories or quiz sections are determined by the hours scheduled for the lecture.
  • Final exams, including major section exams offered in lieu of a final exam, may not be scheduled during the last week of classes.
  • However, quizzes, lab exams, and other academic assignments may be scheduled for the last week of classes, provided they are specified on the course syllabus.
  • No unscheduled (i.e. not included in the course syllabus) or additional requirements may be imposed on students during the last week of classes.
  • Any exceptions that necessitate giving a final prior to final exam week must be stated on the course syllabus and shall require prior approval of the dean.
  • Contact the Office of Space Management at (916) 278-6507 or spacemgt@csus.edu concerning final exam schedules and requests for room reservations for final exams. If a faculty conflict with a regular exam date and time occurs, the department office shall contact Space Management to schedule a room according to the conflict exam date and time listed in the Exceptions section above.


    GATE 2024 (Graduate Aptitude Test in Engineering, 2024)

    Name of the degree and its code  Sections 

    Mechanical Engineering (ME)

    Engineering Mathematics

    Applied Mechanics and Design

    Fluid Mechanics and Thermal Science

    Material, Manufacturing and Industrial Engineering

    Biomedical Engineering

    Engineering Mathematics

    Electrical Circuits

    Analog and Digital Electronics

    Signals and Systems

    Measurement and Digital Electronics

    Sensors and Bioinstrumentations

    Medical Imaging System

    Biomaterials

    Human Anatomy and Physiology

    Biomechanics

    Aerospace Engineering

    Engineering Mathematics

    Flight Mechanics

    Space Dynamics

    Aerodynamics

     Structures

    Propulsion 

    Agriculture Engineering 

    Engineering Mathematics

    Farm Machinery 

    Farm Power

    Soil and Water Conservation Engineering 

    Irrigation and Drainage Engineering

    Agricultural Processing Engineering

    Dairy and Food Engineering

    Architecture & Planning

    Architecture and Design 

    Building Materials, Construction and Management

    Building and Structures

    Environmental Planning and Design

    Urban Design

    Urban Planning and Housing

    Planning Techniques and Management

    Services, Infrastructure and Transportation

    Biotechnology

    Engineering Mathematics

    General Biotechnology

    Recombinant DNA Technology

    Plant and Animal Biotechnology

    Bioprocess Engineering and Process Biotechnology

    Civil Engineering

    Engineering Mathematics

    Structural Engineering

    Geotechnical Engineering

    Water Resources Engineering

    Environmental Engineering

    Transportation Engineering

    Geomatics Engineering

    Chemical Engineering

    Engineering Mathematics

    Process Calculations and Thermodynamics 

    Fluid Mechanics and Mechanical Operations 

    Heat Transfer 

    Mass Transfer 

    Chemical Reaction Engineering 

    Instrumentation and Process Control 

    Plant Design and Economics 

    Chemical Technology 

    Computer Science and Information Technology

    Engineering Mathematics

    Digital Logic 

    Computer Organization and Architecture

    Programming and Data Structures 

    Algorithms 

    Theory of Computation 

    Compiler Design  

    Operating System 

    Databases 

    Computer Networks 

    Chemistry

    Physical Chemistry

    Organic Chemistry

    Inorganic Chemistry

    Electronics and Communication Engineering

    Engineering Mathematics

    Networks, Signals and Systems

    Electronic Devices

    Analog Circuits

    Digital Circuits

    Control System

    Communication

    Electromagnetics

    Electrical Engineering

    Engineering Mathematics

    Electrical Circuits

    Electromagnetic Fields

    Signals and Systems

    Electrical Machines

    Power Systems

    Control Systems

    Electrical and Electronic Measurements

    Analog and Digital Electronics

    Power Electronics

    Ecology and Evolution

    Ecology

    Evolution

    Mathematics and Quantitative Ecology

    Behavioral Ecology  

    Geology And Geophysics

    Geology

    Geophysics

    Instrumentation Engineering

    Engineering Mathematics

    Control Systems

    Electrical Circuits

    Analog and Digital Electronics

    Signals and Systems

    Measurements

    Sensors and Industrial Instrumentation

    Communication and Optical Instrumentation

    Mathematics

    Calculus

    Linear Algebra

    Rear Analysis

    Complex Analysis

    Ordinary Differential Equations

    Algebra

    Functional Analysis

    Numerical Analysis

    Partial Differential Equations

    Topology

    Linear Programming

    Mechanical Engineering

    Engineering Mathematics

    Applied Mechanics and Design

    Fluid Mechanics and Thermal Science

    Material, Manufacturing and Industrial Engineering

    Mining Engineering 

    Engineering Mathematics

    Mine Development Surveying

    Geomechanics and Ground Control

    Mining Methods and Machinery

    Surface Environment, Mine Ventilation and Underground Hazards

    Mine Economics, Mine Planning, System Engineering

    Metallurgical Engineering

    Engineering Mathematics

    Thermodynamics and Rate Process

    Extractive Metallurgy

    Physical Metallurgy

    Mechanical Metallurgy

    Manufacturing Process

    Physics

    Mathematical Physics

    Classical Mechanics

    Electromagnetic Theory

    Quantum Mechanics

    Thermodynamics and Statistical Physics  

    Atomic and Molecular Physics

    Solid State Physics and Electronics

    Nuclear and Particle Physics

    Production and Industrial Engineering

    Engineering Mathematics

    General Engineering

    Manufacturing Processes

    Quality and Reliability

    Industrial Engineering

    Operation Research an Operational Management

    Textile Engineering

    Engineering Mathematics

    Textile Engineering and Fibre Science

    Naval Architecture and Marine Engineering

    Engineering Mathematics

    Naval Architecture and Ocean Engineering

    Applied Mechanics and Structures

    Thermodynamics and Marine Engineering

    Fluid Mechanics and Marine Hydrodynamics

    Geomatics Engineering 

    PART A: Common - Engineering Mathematics and Basic Geomatics

    PART B: Section I - Surveying and Mapping 

    PART B: Section II - Image Processing and Analysis

    XE A (Engineering Mathematics)

    Linear Algebra 

    Calculus

    Vector Calculus 

    Ordinary Differential Equations 

    Partial Differential Equations 

    Complex variables 

    Probability and Statistics 

    Numerical Methods 

    XE B (Fluid Mechanism)

    Flow and Fluid Properties 

    Kinematics 

    Integral analysis  

    Differential Analysis 

    Inviscid flows  

    Dimensional analysis 

    Internal flows  

    Prandtl boundary layer equations 

    XE C (Material Sciences)

    Processing of Materials

    Characterisation Techniques: 

    Structure and Imperfections

    Thermodynamics and Kinetics

    Properties of Materials

    Material types 

    Environmental Degradation

    Elements of Quantum Mechanics and Mathematics

    XE F (Thermodynamics)

    Basic Concepts

    Law of Thermodynamics

    Thermodynamics Cycle

    Thermodynamics Relations

    Ideal Gas Mixtures

    XE F (Polymer Science and Engineering)

    Chemistry of high polymers

    Polymer Characterization

    Synthesis and properties

    Polymer blends and composites

    Polymer Technology

    Polymer rheology

    Polymer processing

    Polymer testing

    XE G (Food Technology)

    Food Chemistry and Nutrition

    Food Microbiology

    Food Products Technology

    Food Engineering

    XL P (Chemistry)

    Atomic Structure and Periodicity

    Structure and Bonding

    s, p and d Block Elements

    Chemical Equilibria

    Electrochemistry

    Reaction Kinetics

    Thermodynamics

    Structure-Reactivity Correlations and Organic Reaction Mechanisms

    XL R (Botany)

    Plant Systematics

    Plant Anatomy

    Morphogenesis & Development

    Physiology and Biochemistry

    Genetics

    Plant Breeding and Genetic Modification

    Economic Botany

    Plant Pathology

    Ecology and Environment

    XL S (Microbiology)

    Historical Perspective

    Methods in Microbiology

    Microbial Taxonomy and Diversity

    Prokaryotic and Eukaryotic Cells: Structure and Function

    Microbial Growth

    Control of Micro-organisms

    Microbial Metabolism

    Microbial Diseases and Host-Pathogen Interaction

    Chemotherapy/Antibiotics

    Microbial Genetics

    Microbial Ecology

    XL T (Zoology)

    Animal world

    Genetics

    Evolution

    Biochemistry and Molecular Biology

    Cell Biology

    Gene expression in Eukaryotes

    Animal Anatomy and Physiology

    Parasitology and Immunology

    Development Biology

    Ecology

    Animal Behavior


     




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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