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 : OMG-OCUP-300
Exam Name : OMG-Certified UML Professional Advanced (OMG-OCUP2-ADV300)
Vendor Name : OMG
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OMG-OCUP-300 exam Format | OMG-OCUP-300 Course Contents | OMG-OCUP-300 Course Outline | OMG-OCUP-300 exam Syllabus | OMG-OCUP-300 exam Objectives


Exam Number: OMG-OCUP-300
Duration: 90 minutes for residents of English-speaking countries; 120 minutes for all others
Number of questions: 58
Minimum Passing Score: 29

The UML 2 Advanced certification exam tests an individual's knowledge on the complete UML palette of elements and attributes available for modeling structure and behavior in up to the largest of system models as well as metamodeling based on other specifications in the UML family (Alf, fUML and MOF). With a UML 2 Advanced certification, a model builder is the company UML guru at the highest level of technical management, leading workgroups and presentations, making decisions on analysis, design and development proposals and evaluating their results.

Common Structure 21%
Classification 14%
The MOF & Metamodeling 12%
Activities 9%
Interactions 9%
Structured Classifiers 8%
Actions 7%
Alf 6%
fUML 6%
StateMachines 5%
Common Behavior 3%

- Classifiers
- Classifier Templates
- Features
- Generalization Sets
- Operations
- Properties
- Information Flows
- Name Expression
- Profiles
- Realization
- Templates
- Associations
- Collaborations
- Components
- String Expression
- Values
- Artifacts
- Deployments
- Alf
- Integration with UML Models
- Lexical Structure
- Scope
- Semantic Conformance
- BEHAVIORAL DIAGRAMS
- ACTIONS ACTIVITIES COMMON
- BEHAVIOR
- INTERACTIONS STATE MACHINES fUML
- Behavioral Semantics
- Overviews of Abstract Syntax
- and Execution Model
- Scope
- Terms and Definitions
- AcceptEventActions
- Invocation Actions
- Structured ActionsRaisedExceptionActions
- Object ActionsValueSpecificationActions
- Activities
- Activity Groups
- Control Nodes
- Exception
- Executable Nodes
- Object Nodes
- Behaviors-Reentrant
- Events-Event Pool
- FunctionBehavior
- Fragments
- Interaction Overview
- Interactions
- Interaction Uses
- Lifelines
- Messages
- Occurrences
- Behavior StateMachines
- Protocol StateMachines
- StateMachine Redefinition

Backus-Naur Form (BNF)
• This exam uses BNF where appropriate to specify textual notation, similar to the way it is used in the UML
specification itself. BNF is defined in Ch. 6 on page 9 (UML 2.5 Specification, Beta 1). Also in Ch. 6 is a
(very!) brief description of execution scope, a term that will be used later in several contexts.
Abstract Syntax
• Every first-level subsection of the UML specification starts with a UML diagram labeled Abstract Syntax.
The OCUP 2 exams do not ask about these diagrams explicitly, but they are good examples of the
language you're studying(!) and represent the relationships linking the elements to be presented in the
sections that follow in a particularly clear and concise way. As an Advanced candidate, you presumably
know how to read these diagrams and use the information they display. If you don't have this skill, you
should develop it. It will provide an advantage to your study, and your work in the field at this level.
CHAPTER 7: COMMON STRUCTURE
• 7.3 Templates -
o Add Templates. Postponed until now, Templates and the many elements that support them are
covered at this Advanced level. Coverage is fairly complete, encompassing elements and
attributes defined for Templates here in Section 7.3 and later on (String Expressions and Name
Expressions, e.g.; most have "Template" somewhere in their names). There are many of these
scattered throughout the specification but they will not point out, for each, that it is now included.
We will, however, specifically mention the following:
o Add Template Signatures, Template Bindings, Bound Element Semantics, and Template Notation
• 7.4 Namespaces - Add:
o NamedElement association with StringExpression, and having both a name and a
nameExpression.
• 7.7 Dependencies - Add:
o Realization
CHAPTER 8: VALUES
• 8.3 Add: String Expressions
CHAPTER 9: CLASSIFICATION
• 9.2 Classifiers
o Classifiers: Add Classifier may own CollaborationUses and UseCases
o Generalization:AddSubstitutability
o Redefinition:AddredefinitionContext
o Substitution: All
• 9.2.4 Notation: NOTE: UML allows a conforming tool to suppress the drawing of individual compartments
or features of a classifier. Scenarios in this examination may use this ability.
• 9.3 Classifier Templates:All
• 9.4 Features:Add: concurrency property, effect property, notation of feature redefinitions
• 9.5 Properties: Add: Note the reference to qualifiers. Add ternary and higher-order associations,
redefinition, composition and transitive deletion, subsettedproperty, isDerivedUnion.
• 9.6 Operations: AddfeaturingClassifier, isQuery, owning classifier context
• 9.7 Generalization Sets - Add: powertypes
CHAPTER 11: STRUCTURED CLASSIFIERS
• 11.2 Structured Classifiers: Add: contracts, n-ary Connectors
• 11.4 Classes: Add: the stereotype «Metaclass»
• 11.5 Associations:Add: n-ary Associations (n>2), Subsetting, Specialization, qualifiers and qualified
Association end, derivation of an Association, navigability via Class:ownedAttribute and
Association:ownedEnd
• 11.6 Components:Add:Profiles based around components, wiring dependency, details of the "white-box"
view beyond the treatment at Intermediate level, execution time semantics of a Connector, and
«Specification» and «Realization» stereotypes
• 11.7 Collaborations:Add:extension of collaborationRole in a specialization
CHAPTER 12: PACKAGES
• 12.3 Profiles:Includes All exceptMOF-equivalent semantics and non-UML metamodels. Also exclude XMI
Serialization.
CHAPTER 13: COMMON BEHAVIOR
• 13.2 Behaviors Add:reentrant Behavior, Function Behavior, Behavior owned as a nestedClassifier
• 13.3 Events Add: Event handling by context object, event pool, wait point, SignalBroadcastAction
CHAPTER 14: STATEMACHINES
• 14.2 Behavior StateMachines: Add:event pool
• 14.3 StateMachine Redefinition: All
• 14.4 Protocol StateMachines:Add: Declarative and Executable ProtocolStateMachines, use of
sophisticated forms of modeling as detailed in the section, multiple ProtocolStateMachines per Classifier,
use of other types of events, ProtocolStateMachine refinement, Protocol Conformance. NOTE:
Unexpected trigger reception and unexpected behavior will not be covered in OCUP 2.
CHAPTER 15: ACTIVITIES
• 15.2 Activities:
o Activities and Activity Nodes:Add: isControlType
o Activity Edges: Add:Object tokens flowing over ControlFlow edges, object tokens accepted by
ExecutableNodes, managing contention between multiple nodes, the weight property
o Object Flows: Add:remainder of subsection. (Basic definition and null token already covered.)
o Variables: All Exceptthe discussion of variable setting in the Note paragraph.
o Activity Execution:Add:remainder of subsection. (Material preceding isSingleExecution has
already been covered.)
o Activity Generalization:All.
• 15.3 Control Nodes
o Decision Nodes:Add: decisionInput behavior, Parameters, and guards on multiple outgoing
edges.
• 15.4 Object Nodes
o Object Nodes:AddupperBound, ordering, selection Behavior
o Activity Parameter Nodes:Add:effect of ordering
o Data Store Nodes:Add: selection and transformation
• 15.5 Executable Nodes
o Executable Nodes:Add: concurrent execution
o Exceptions and Exception Handlers: All
• 15.6 Activity Groups
o Activity Partitions:Add:the descriptive text about preparation of descriptive models for review
o Interruptible Activity Regions:Add: isSingleExecution
CHAPTER 16: ACTIONS
• 16.1 Summary: Add dependence of Actions on Activities, basic definition of concrete syntax, and of
execution engine
• 16.2 Actions:
o Actions: Add isLocallyReentrant and isReentrant.
o Pins: Add ordering and isOrdered, token behavior on StructuredActivityNodes, fromActions
o Actions and Pins in Activities:Add:disallowing of acceptance of more tokens than will be
consumed by one execution of an Action, isLocallyReentrant, isControl, isControlType.
• 16.3 Invocation Actions
o Call Actions: AddStartObjectBehaviorAction, classifierBehavior, non-reentrant and reentrant
Behavior, matching owned Parameters to Pins by ordering
o Send Actions: BroadcastSignalAction, SendObjectAction, ordering of owned and inherited
Properties of a Signal, effects of local or remote target object.
o Invocation Actions and Ports:All
• 16.4 Object Actions
o Summary: All
o ValueSpecificationAction: All
• 16.5 - 16.9: Material in these sections is not covered in OCUP 2.
• 16.10 Accept Event Actions
o Accept Call Actions: Add triggering by an asynchronous call, method behavior caveat
o Reply Actions:All
• 16.11 Structured Actions
o Structured Activity Nodes:Add: Variables, semantics of activity edge when contained or not
contained by a StructuredActivityNode
o Isolation: All
• 16.13 Other Actions
o Raise Exception Actions:All
CHAPTER 17: INTERACTIONS
• 17.1 Summary
o Interactions in detailed design phase, all discussion of role of interactions, interleaving
o NOTE THATALL discussion of disallowed or invalid traces in this chapter is included. This
Coverage Map does not list specific references to disallowed or invalid traces.
o Interaction Diagram Variants: Add Interaction Overview Diagram
• 17.2 Interactions
o Add Specializing and redefining an Interaction
• 17.3 Lifelines
o Add coregion
• 17.4 Messages
o Add representation of ConnectableElement with a Type, wildcard argument
o Messages: Add assignment-target, value-specification
o Notation: As in all other sections, notation of covered elements is included automatically. For this
subsection, which includes some notation for elements not mentioned previously, they point out
that All of the notation section is included.
• 17.5 Occurrences
o General Orderings:All
• 17.6 Fragments
o Consider Ignore Fragments:All
o Continuations:All
o Negative: All
o Critical Region:All
o Ignore/Consider: All
o Assertion:All
• 17.7 Interaction Uses
o Notation: InteractionUse, CollaborationUse, strict, and return value
• 17.8 Sequence Diagrams
o Sequence Diagram Notation:AddContinuation, coregion
o Graphic Paths: Add GeneralOrdering
• 17.9 Communication Diagrams
o Sequence expression:Additeration notation for concurrent execution
• 17.10 Interaction Overview Diagrams: All
CHAPTER 18: USE CASES
18.1 UseCases
• 18.1.3 Semantics
o Use Cases and Actors:Adddescription through a Collaboration; being owned by a Classifier.
CHAPTER 19: DEPLOYMENTS
• 19.1 Summary: Add:extending the package
• 19.2 Deployments Add: extending in profiles, Property and InstanceSpecification as targets
• 19.3 Artifacts Add: organizing into composition hierarchies, extending especially as profiles
CHAPTER 20: INFORMATION FLOWS
• 20.1 InformationFlows
o Add InformationFlow sources and targets, channels, InformationItems
COVERAGE OF METAMODELING INCLUDES THESE TOPICS:
Our coverage of metamodeling and the functionality that it enables (executable UML, e.g.) is intended as a survey,
and the experts who wrote the exam questions did not expect you to study these specifications in enough depth to
be able to work with the language. Learn the basics of these subjects well and try to retain this knowledge as your
modeling work evolves so that, when you come to a point in a project that calls for metamodeling or generating a
UML model intended for execution, you know where to look for solutions.



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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