The enemy within:

Stop students from bypassing your defenses

The threat of the web

The web has replaced email as the primary entry point for malware into a network, with a brand new infected webpage discovered approximately every 4.5 seconds1. The majority of these are legitimate sites â?? government agencies, Google, MySpace, Facebook, the Cambridge Dictionary, BusinessWeek, and many more have all fallen victim to hackers. Clicking on such pages poses a multitude of risks to networks, including the loss of confidential information, virus and spyware infection and botnet recruitment.

Schools in the front line

K-12 schools are particularly at risk from web-delivered malware â?? and it is often introduced by the very people they need to protect: students. Not only are many children extremely technically skilled, but they have ample opportunity to work unobserved in internet-connected computer labs and libraries, which are used by hundreds of different students every day.

Unlike corporate environments, where adult users have jobs, salaries and reputations to worry about, K-12 students often donâ??t know or donâ??t care about the consequences of their actions to the school network. Bypassing network controls to access restricted websites is usually just considered an entertaining challenge, or a way to burnish an anti-establishment image. However, in addition to ensuring their own network security, schools are held responsible by parents and state and federal laws â?? such as the Childrenâ??s Internet Protection Act (CIPA) â?? with protecting young, impressionable minds from web predators and harmful content. One example of a student bypassing a schoolâ??s web filters involved an eighth grader in Texas who downloaded pornography during a study group2.

Bypassing web filters

Students across North America are increasingly turning to anonymizing proxies to bypass their schoolâ??s web filters to view pornography or access banned social networking sites. Anonymizing proxies are widespread, with several hundred new proxies published daily. Easy to access and difficult for traditional security software to detect, anonymizing proxies are web sites that trick an organizationâ??s web filter into thinking the user is browsing legitimate content. The user visits the anonymizing site first and enters their intended URL, and the proxy then opens a portal to the studentâ??s desired destination. Traditional web filters only identify the anonymizing proxy URL, not the destination URL, and as such often allow the request. In some cases, the student simply configures his or her web browser to point automatically to the anonymizing proxy, ensuring that all web activity is hidden.

K-12 schools are particularly at risk from web-delivered malware â?? and it is often introduced by the very people they need to protect: students.

Aside from disguising banned content, anonymizing proxies change constantly, with scores of new ones appearing daily. K-12 school IT administrators spend hours each week tracking down and blocking anonymizing proxies, significantly affecting resources and overheads.

Many web sites also offer daily updated lists of anonymizing proxies. A quick Google search will produce hundreds of anonymizing proxy sites. There are even video instructions on YouTube that show students how to construct one. It is also not difficult for computer savvy students to set up their own anonymizing proxies at home, using one of the many free utilities available online.

Defeating anonymizing proxies

There are a number of ways that schools can complement their existing web filtering technology to identify and block anonymizing proxies:

Reputation detection services��

Real-time proxy detection��

User education��

Reputation detection services

Reputation detection services constantly track publicly known anonymizing proxy sites and the forums3 that exchange their details. They are then able to update a schoolâ??s web filters â?? ideally every 15 minutes or faster â?? to ensure that the web gateway security solution stays ahead of the student grapevine. Reducing the amount of time an anonymizing proxy is available to a student provides a major inconvenience to their ability to track and use such services.

Real-time proxy detection

Some anonymizing proxies are kept a closely guarded secret, or built at home for the exclusive use of one person. Because their details are not shared they are immune to reputation detection services and must be tracked in real time.

Real-time detection monitors and analyzes all web requests and responses for signs that traffic is being routed through an anonymizing proxy. If one is detected, the request can be blocked. Signs that a student is using an anonymizing proxy include URL strings hidden within other URLs, and partially encrypted URLs. Real-time detection relies on strong decryption capabilities, as many proxies use encryption to hide their actions.

Anonymizing proxies are widespread, with several hundred new proxies published daily.

User education

User education is always a central pillar of enforcing a web acceptable use policy (AUP), and many schools require students and their parents to formally sign their acceptance of such policies and ensure that they are aware of the consequences of violating them. AUPs should always contain a clause forbidding the use of anonymizing proxies, and state that controls are in place to monitor and detect their use. Formal AUPs do deter many students from trying to get around the rules, particularly if that information is part of a memo sent to parents.

Many schools also run internet safety classes as part of their computer curriculum, which can be utilized to explain more fully the dangers of anonymizing proxies and the thinking behind the AUP.

Summary

Anonymizing proxies allow students to bypass their schoolâ??s web filters to access inappropriate and blocked content. Their large and ever-changing numbers and ease-of-use make them difficult to block, and schools can find themselves legally liable if minors are accessing pornography and other sites from within the network. However, reputation and real-time detection will identify and block anonymizing proxies, and user education will ensure that students and parents are aware of the risks in bypassing web filters.

Enabling a safer internet: The positive approach to

web security

a safer internet: the positive approach to web security

One newly infected webpage is discovered every 4.5 seconds.

Web-based malware: the new weapon

With one new web page infected every 4.5 seconds,1 the web is now the number one vector of attack for cybercriminals. Taking advantage of web infrastructure vulnerabilities, particularly the ever-increasing

capability for user-submitted content, hackers are able to covertly inject malicious code into

more and more legitimate sites. This web-based malware is then able to exploit social engineering

tactics or browser vulnerabilities to infect visitors, the intention being to surreptitiously steal

confidential information directly, install further malicious code or, worse, silently recruit the host

system into a botnet – a network of hijacked computers for distributing further malware,

spyware, or spam.

Thousands of systems are infected in this way every day and the activity is particularly lucrative

for the criminals – a single compromised computer can give access to thousands of confidential

records. This significant security risk can be extremely costly to businesses, with some

estimates for a data breach estimated at millions, and even billions, of dollars.

In addition to significant security and financialrisks, organizations are having to deal with the legal implications of security breaches. Organizations can be legally liable if their computers are used to view pornography or hate material or to incite illegal behavior. There are also ramifications if users violate third-party licenses through illegal MP3, film and software downloads.

At the same time uncontrolled web browsing can have serious productivity implications with unauthorized surfing potentially causing network slowdown, staff inefficiency and further security (and legal) risk if sensitive company or personal data is posted online.

Exploiting legitimate, trusted brands

Hackers don’t tend to discriminate between websites. Large, more established brands with high traffic volumes are very attractive to cybercriminals but smaller organizations are equally likely to fall victim. The only criterion is

that the website has vulnerabilities that the hacker can exploit. The techniques used continue to evolve rapidly and this paper now looks at what the hackers are up to today.

Enabling safer surfing: The positive approach to

web security

Enabling a safer internet: the positive approach to web security

Infecting trusted sites with SQL injection attacks

One of the main threats comes from SQL injection attacks. Such attacks exploit security vulnerabilities

and insert malicious code (in this case script tags) into the database running a site. When user input,

for instance via a web form, is not correctly filtered or checked, the code peppers the database with

malicious instructions.

Websites that have been attacked in this way include:

BusinessWeek magazine – one of the 1000 busiest websites – which attempted to download malware from a Russian-based server.

An area of the Adobe website designed to offer support to video bloggers, which tried to

download spyware.

Sony’s US PlayStation website, putting visitors at risk from a scareware attack.

Recovery from a SQL injection attack can be difficult, and there are numerous cases of website

owners cleaning up their database only to be hit again a few hours later.

New gateways for cybercrime

The new freedoms opened up by the web, blurring the lines between work and social interaction and

offering easy ways to share information, have opened up new loopholes for cybercriminals to

exploit.

Social networking sites

A favorite target for today’s hackers are social networking websites. People who have learned to

be suspicious of email links are on the whole less savvy about links posted on Facebook and the

like. Hackers have found value in compromising Facebook accounts, stealing usernames and

passwords, and then using the profiles as a launching pad for mass-distributing malware

attacks and spam.

In August 2008, Facebook admitted that up to 1800 users had had their profiles defaced by an attack that secretly installed a Trojan while displaying an animated graphic of a court jester blowing a raspberry.7

One particularly active threat is Koobface, a family of worms, and its rapid evolution demonstrates

the wide range of social networks that are vulnerable. Initially targeting Facebook and MySpace, Koobface now targets a more diverse set of social networks, including MySpace, Bebo, hi5, GeoCities, Friendster and Tagged.

The malware works by directing your “friends” on your social networking site to click on a link to another site

purporting to contain a video clip. If they are tricked into downloading an executable to watch the video at the third-party website, a message is displayed: “Error installing Codec. Please Contact Support”. The malware then accesses Facebook/MySpace/etc to spread itself further.

The websites to which victims are directed use a script to check which of these social networking

sites has sent them there. The aim is to serve up malware specifically tailored to the networks of which you’re known to be a member (though in fact to date these links all result in the same executable).

Blogs, micro-blogs and hackers

Hackers are also targeting other social media such as blogs. In much the same way that they set up malicious pages on fake websites and then use social engineering techniques to lure visitors to them, they are using free blogging services to infected blogs. Unsuspecting victims then receive emails with links to the blog, from which

malicious software is downloaded.

A Sophos white paper Enabling a safer internet: the positive approach to web security

At the same time, vulnerabilities in common legitimate blogging platforms – just like any other platform – can be, and are, exploited by criminals.

Of note is the micro-blogging site, Twitter, which has begun to be targeted. In January 2009, Twitter’s internal systems were hacked and the accounts of Britney Spears, Fox News and Barack Obama, among others, were broken into.11 Two months later hundreds of Twitter users were hit when messages were sent from compromised

accounts trying to drive traffic to a pornographic website.

The spread of the phishing net

Phishing attacks – whereby unsuspecting users are directed to to a bogus login page which requests

their username and password – continue to be a significant threat.

A common misconception is that phishing is just a banking problem. It remains, of course, a banking

problem but it is now also a problem for social networking sites, such as MySpace, Facebook, Bebo and a wide range of other networks and

enterprises.

A handful of examples from February and March 2009 alone demonstrate the scale of the problem.

Google A phishing campaign spread via the Google Talk chat system.13

iStockphoto a phishing attack was perpetrated across iStockphoto’s online forums and via the

site’s mail system.14

Gaming community The Valve Steam network was targeted by a phish offering add-ons for the

new zombie shooter Left 4 Dead.15

Paypal An unusual type of phishing attack spammed out malware within a RAR attachment.16

HMRC The passing of the deadline for submitting tax returns to HM Revenue & Customs in the UK prompted a phish.17

The risks posed by anonymizing proxies

Many organizations have responded to the growing web threat by using URL filtering to curtail

internet browsing. This has motivated many users to respond by using anonymizing proxies which disguise the true nature of a website in order to trick an organization’s web filter into allowing access.

Anonymizing proxies are big business in the underground economy, driven by advertising revenues and subscription fees. Hundreds of new anonymizing proxies are created daily and distributed via blogs, forums, and dedicated

websites. There is also a growing number of unknown private anonymizing proxies setup and maintained by individuals or small groups for their own use. This makes it extremely easy for users to access any site they want through an anonymizing proxy, but a difficult, tedious, and time-consumingtask for administrators to track and block them.

Anonymizing proxies hold significant risks for organizations:

Security: If users are browsing via anonymizing proxies, then in addition to bypassing URL filtering, they might also be circumnavigating content scanning at the perimeter, which dramatically increases the chance of infection.

There are even anonymizing proxies that are themselves, either accidentally or deliberately,

infected with malware.

Anonymizing proxies bypass URL filtering and create enormous security vulnerabilities.

a safer internet: the positive approach to web security

Liability: Unrestricted access to inappropriate

material or illegal downloads could have

serious legal ramifications for an organization,

as could the sharing of confidential information

over the internet.

Productivity: The ability for users to bypass

their organization’s web filter means they

could spend all day on, for example, social

networking sites rather than working, and

consume valuable network bandwidth.

The three pillars of modern web protection

Internet access creates a dilemma for network administrators – on the one hand, the risks presented by allowing unfettered access to the web are enormous, yet the internet is undeniably becoming a mission-critical business tool. Social networking sites, blogs, forums and media portals have all become important instruments for employee recruitment, viral marketing, public relations, customer interaction, and research – they cannot be blocked without seriously impacting business productivity and effectiveness.

A new approach to web security and control is required that fully supports the needs of business,

equipping users with the tools they need to be more effective while eliminating the associated risks of potential infection from trusted legitimate sites. In addition to good preventive practices, such as rigorous patching and educating users about the risks of browsing, it is vital that organizations implement a comprehensive web

security solution, comprising three key pillars of protection:

Reputation-based filtering

Real-time predictive malware filtering

Content-based filtering.

Reputation-based filtering

Reputation-based filters are the first critical component in the fight against web-based threats.

They prevent access to a catalog of sites that are known to have hosted malware or other

unwanted content, by filtering URLs based on their reputation as “good” or “bad”, and are

an established and proven tool for successfully protecting against already known and located

web-based threats. As well as providing this basic form of preventive protection, they help optimize

network performance and staff productivity by blocking access to illegal, inappropriate or nonbusiness-

critical web content.

Although traditional URL filters often connect to vast, regularly updated databases of sites known to host malware or suspicious content, they have several significant shortcomings. In particular, they offer no protection against malware hosted on legitimate, previously safe, sites that have become hijacked. Neither do they protect against malware

on newly created websites. Cybercriminals are well aware of, and readily exploit, the fact that traffic from these sites is not blocked and that malware, whether new or old, will be allowed into an organization.

Another significant shortcoming of traditional URL filters is that they often lack an effective solution

to deal with the enormous issue of anonymizing proxies. To prevent users from bypassing filtering

controls, the following two components are critical in forming a defense against anonymizing proxy use:

A reputation-based service that actively seeks out new anonymizing proxies as they are

published and updates the filtering database at frequent, regular intervals

A real-time proxy detection engine that automatically inspects traffic for signs that it’s being routed through a proxy, effectively closing the door on private proxies or other proxies not identified through the reputation service.

A Sophos white paper Enabling a safer internet: the positive approach to web security

Real-time predictive malware filtering

Real-time predictive malware filtering goes a long way to closing the gap left by reputationbased filters. All web traffic passes through a scanner designed to identify both known and newly emerging zero-day malware. The malware

engine is optimized for low-latency scanning and whenever a user accesses a website, irrespective

of its reputation or category, the traffic is scanned using a combination of signatures and behaviorbased

technologies.

It is worth noting that this type of real-time scanning has a further advantage over traditional URL filters, in that the filtering is, almost by definition, bi directional – both the user request to, and information returning from, the web server are scanned. In addition to detecting known malware as it moves across legitimate sites, this

bi-directional filtering can also provide protection against new threats regardless of where they are

hosted.

The use of real-time predictive threat filtering remains uncommon amongst many of the leading web filtering security solutions in the market today. Many security vendors are currently relying on signatures alone. Others who are fairly recent entrants to the market claim comprehensive solutions but lack the evidence to prove they are

delivering fully proactive protection.

Content-based filtering

Content-based filtering analyzes all web traffic on the network to determine the true filetype of content coming back from a website and can allow or disallow this traffic, based on corporate policy.

Key questions to ask a prospective vendor

Does the URL database used for your reputation-based filtering have global

coverage?

How frequently is your product updated to cover new threats?

How many new threat-hosting sites are identified daily?

Do you scan all incoming traffic for malware in real-time?

Do you use your own technology for malware scanning or rely on third-parties?

Is your malware scanning engine signature-based or does it use behavioral analysis?

Is there an additional cost for real-time malware filtering?

Is there a performance impact for real-time malware filtering?

How many anonymizing proxies do you catalog daily?

Does your solution identify anonymizing proxy use in real time?

Do you analyze the true content of files, or rely on the extension or the MIME-type?

Do you scan HTTPS-encrypted traffic?

Can you demonstrate real research expertise in web threats?

Do you have independent statistics of your proactive web threat detection rates?

Can I see a demo of the admin console to see how easy it is to use?

Are there on-board monitors to track software, hardware and traffic health?

How are issues reported to the administrator? Via email? Via phone call?

Do you provide real-time uptime monitoring to assure the system is available 24/7?

Conclusion

Every minute of every day, cybercriminals are looking to exploit web traffic for commercial

gain, and since web browsing is integral to most businesses’ day-to-day activities, the web gateway

must be equipped with a security solution that enables business and users to be productive while

providing the security essential to ensure a risk-free experience.

Organizations looking to protect against the growing threat of web-based malware need a

solution that above all demonstrates its security attributes and combines powerful site and content

controls with low-impact, effective administration.

At the same time end-user expectations and requirements for speed, efficiency, and open access to the tools and sites they need must be met. Solutions which fail to meet these demands for security, control, performance, and accessibility will ultimately fail the organization.

Content filters scan the actual content of a file, rather than simply looking at the file extension or

the MIME-type reported by the web server, and so can identify and block files that are masquerading

as innocent/allowed filetypes but really contain unauthorized content. A file might, for example,

have a .TXT extension but in fact be an executable file.

By enabling enforcement of only business type content, this pillar of protection enables organizations to create policies around a variety of content types that can be used to send malware, thereby reducing the risks of infection.

For example Windows executables or screensavers might be disallowed. Content-based filtering also improves

bandwidth optimization by blocking large or resource-hungry content, such as streaming video.

User education as a tool for defense

Many businesses have successfully educated users about how to spot email-borne threats, and while

the fight against web-based threats relies much more heavily on sophisticated technology, users can and should be engaged in the fight.

Many firms already have procedures in place that define which websites are considered appropriate, but few have updated these to include guidance on how to avoid infection whilst surfing the net.

A good policy will dictate that:

Employees must never open spam emails

Employees must never click on links included in emails sent from unknown senders

IT must ensure that the organization’s web browsers are patched at all time

Employees should minimize their non work-related browsing for both security and productivity reasons.

Ensuring staff productivity and legal compliance

Regulating internet access in the workplace is a delicate balancing act. The web provides employees with valuable information and tools that enhance productivity and competitive advantage, but it can also devastate business productivity with its endless supply of games, downloads, webmail, community sites and online retailers.

The evidence of web abuse is dramatic. Over half of respondents to an America Online and Salary. com survey cited web surfing as their biggest work distraction. While another survey revealed inside abuse of web access as the most prevalent security problem.

The risks

Wasted time and productivity are two obvious risks of web abuse, but they are not the only hazards.

Lawsuits

Employees surfing pornography sites at work can create the perception of sexual harassment and a hostile work environment. In some cases pornography has led to organizations being prosecuted, while the legal implications of viewing child pornography are even more serious. Other legal risks can come from:

Downloading pirated content and using social networking sites

Using web-based email or blogs to reveal sensitive personal or company information or to damage another employee’s reputation.

Resource abuse

Overuse of video feeds, music downloads, gaming, and other high-bandwidth applications can affect organizations in two ways:

Network performance is significantly slower

Desktop and server hard disk space is filled, resulting in unnecessary technology expenditure.

Effective web policies: ensuring staff productivity and legal compliance

Malware

As companies have become more effective at blocking email-borne viruses, hackers have increasingly turned to websites as a vehicle for infecting users with malware that steals confidential information or which builds botnets (networks of hijacked computers used to distribute spyware and viruses). In early 2008 it was estimated that webpages were becoming infected at the rate of 6000 per day, or one every 14 seconds.

Complex challenges

Internet access at work is both a blessing and a curse, and creating a web usage policy is not straightforward. Employees expect to use the web for personal use, while employers need to enforce some browsing constraints to prevent abuse and ensure productivity. Simply publishing a blanket policy for the entire organization based on generic definitions and lists of banned sites is likely to run into resistance from a disgruntled work staff. Why?

Defining abuse

Many organizations find the line between appropriate and inappropriate web use difficult to define. What is acceptable business use for one employee may be completely unacceptable for another. For example, marketing departments have had great success in harnessing social networking sites such as Facebook and MySpace to monitor markets and build relationships with current and potential customers. Several companies, including IBM and Circuit City, have even established a presence on virtual environments such as Second Life. A blanket ban of such sites could, therefore, be counterproductive to wider business interests, as could granting blanket access to them.

Work/personal life overlap

As work becomes increasingly mobile, the separation between work and personal life is less rigid. Employees expect some personal flexibility at the office in exchange for the expectation that they work longer hours, take work home and stay in touch during weekends and vacations. Indeed, many companies use such flexibility as a hiring incentive. Excessive regulation of personal internet use can become a recruitment barrier, breed low morale, both of which can lead to reduced competitiveness.

Building a workable policy

Technology awareness varies greatly in most organizations, as does understanding the business impact of internet abuse. Most employees know instinctively that watching YouTube during working hours wastes time, but many will not understand its true security, productivity, bandwidth and legal implications.

Communication

The first step in creating an effective web usage policy is educating employees about the effects web abuse can have on an organization. Communication should include HR and senior management in addition to IT. It should also be two way, with staff and business units encouraged to identify applications or websites that assist them achieve their goals.

Employees expect some personal flexibility at the office in exchange for the expectation that they work longer hours.

Effective web policies: ensuring staff productivity and legal compliance

Match policy to philosophy

A web usage policy should match an organization’s overall goals and philosophy. Organizations that provide employees with leeway in how they do their jobs will be better served by a policy that sets expectations and outcomes, emphasizing their spirit and the reasons behind them. On the other hand, organizations that operate a top-down management structure that defines tasks granularly will benefit from clear rules and regulations.

Many organizations lie somewhere in between, while some vary according to management level or business unit, and a policy needs to mirror these differences.

Keep it simple

Regardless of the organizational philosophy, the policy should be written in a concise and easy to follow fashion. Language should be simple and the concepts relevant to each different department. It can also be useful to lay out a series of broad principles before concentrating on the finer details.

Enforcing the policy

Even organizations with an informal culture will need to enforce their web usage policy, which they can do through web filtering controls. Monitoring systems should employ screen alerts that inform employees if they are accessing a prohibited website or undertaking an unauthorized

An effective web usage policy should…

Contain a general definition and listing of appropriate internet uses, such as work-related communication, educational and professional development.

Contain a general definition of inappropriate internet uses that violate company, local, state, and

Federal laws, any contracts the company has signed, and that interferes with the productivity and internet use of other users.

Permit personal browsing of acceptable websites during personal hours and define a certain level

of acceptable use outside these hours, on condition that it doesn’t affect a user’s productivity.

List inappropriate websites where access is prohibited (unless used for legitimate business reasons), such as those that contain or promote pornography, violence and criminal activity.

Prohibit access to websites and services offering illegal downloads. Even legal downloads from sites such as iTunes can infringe copyright if they are downloaded or copied to company networks.

Offer guidelines on the use of blogs, social networking, webmail and other Web 2.0 applications.

Access can be prohibited or restricted to personal hours, and harassment clearly outlawed.

Prohibit participation in any peer-to-peer networks without prior approval by management.

Specify how users can access bandwidth-hungry content, such as streaming audio and video and large file downloads. Employees could be encouraged to bring their own audio players to work.

Allow a select group of individuals, such as IT staff, senior management and developers to download applications and large file types, when relevant to their job responsibilities.

Restrict or prohibit access to websites known as proxies or translators. These sites are designed to bypass web filters by allowing access from within other websites.

Allow transactions only with legitimate, authenticated websites and organizations that encrypt data. This reduces the risk of data leakage and prevents employees from accessing blocked sites through legitimate ones. Auditing and reporting tools will be needed to deal with any incidents, with enforcement following a tiered approach: verbal warning, monitoring, retraining, written warning, dismissal, potential legal action.

However, a well formulated policy will usually eliminate any temptation to violate it.

Regular reviews

Organizations will need to review and adapt their web usage policy at regular intervals to ensure that it is not impinging on legitimate internet use and is effectively supporting business goals. Some users may find that they need to access temporarily a prohibited site, and the policy needs to be flexible enough to allow that.

Policies should be able to be modified by category, website, time of day, user or group. Such exceptions should automatically dissolve after a pre-defined period of time, ensuring that temporary privileges remain temporary and avoid the need for manual cleanup, which can be time-consuming and error-prone.

These periodic reviews allow organizations to react to the evolving nature of the web. Uses that are unacceptable today may become acceptable tomorrow, and web usage policies need to reflect this to ensure that they do not stop employees working effectively.

Summary

Implementing a web usage policy is a balance between protecting the organization and avoiding measures that alienate employees or stop them performing legitimate business tasks. A policy should not just concentrate on monitoring and punishment, but should educate users and actively involve them in its evolution. This will minimize the need to take drastic measures and allow organizations to address the continuous change in internet technologies and services.

Content

1. Basic Knowledge of Virtual Credit Cards You Need To Know
2. FAQ and Things To Avoid
3. Where To Get Virtual Credit Cards Cheap(Very)

Basic Knowledge of Virtual Credit Cards You Need To Know

Virtual card, also known as virtual credit card or “VCC”, works like a normal card but to be use only for making payment on the internet. As it name suggest, it will come in “virtual form”. It consists of a set of number; 16-digits card account number, 3-digits card security code known as CVV/CVV2 and the expiration date for the card e.g. 12/2010.

The card in actual fact, is not a type of credit card. You will NOT be grants a line of credit from which you can borrow money to be use for payment at online merchant.  It is a type prepaid card similar to a debit card where user need to deposit fund into the card before any purchase can be made.

Other thing that differ prepaid card with a credit/debit card is that credit/debit card are usually issued in the name of individual account holder while virtual prepaid card are usually anonymous. You should be able to use any name or address when doing checkout at online merchant.

The advantage of using virtual card is you can avoid overspending since the card will only come in a fixed preloaded amount similar to a debit card.

Most people use virtual card on the Internet as a medium of payment. It can be use where Visa card(the brand we provide) is accepted online. Make a payment through PayPal, make a purchase on Amazon, pay for Hostgator monthly subscription buy domain name at GoDaddy and much more.
FAQ and Things To Avoid

They are accepted anywhere VISA is accepted. (Online stores, Adwords, Paypal, Amazon…)

Can I apply for a card? There is no application you simply buy it using liberty reserve no matter where you live.

You Can open a liberty reserve account here

Can I use it from my country? Yes unless the merchant blocks your ip in that case you will need to use a proxy server.

What exactly is a virtual credit card? Virtual Credit Card is a prepaid & non-reloadable card that works like a real credit card. It can be used at web sites, online merchants, internet shops & web stores over the internet where payment by credit card is accepted.

Do I need to use my correct name and address?  No, the credit card has no name but if you buy physical goods you must provide an address for delivery. That being said you are responsible for any illegal use.

Do you provide verification? Yes, some companies require you to verify ownership of the credit card, they do this by authorizing a a small amount like $1.43 and asking you to verify it, we provide this information for free simply include the card number and your email (do not include CVV2/CVC2).

I want a lot of credit cards can I get special pricing? Yes, for large or recurrent deals, resellers or other business proposals email us

Other Key Things To Know

(1) Non-reloadable Visa Virtual Prepaid Card: Fees will depend on selected payment mode. Check  for current pricing for card with 1.00USD, 5.00USD, 10.00USD, 15.00USD, 20.00USD, 25USD, 30.00USD, 35.00USD, 40.00USD, 45.00USD and 50.00USD balance.

(2) Virtual Visa for Facebook advertising account activation

(3) Virtual Visa for PayPal account verification:

Where To Get Virtual Credit Cards Cheap(Very)

There are many VCC providers out there, but few questions you are to ask are

1. Are they cheap?

2. Are they reliable?

3. Any Good Customer Care?

4. What more that will qualify a good service provider.

I will tell you of a truth they are VERY few, but the good news is that we are one of the
best

http://cheapvirtualcreditcard.blogspot.com/

You are welcome to check out our incredibly cheap and reliable service anyday anytime

It is likely that everyone would agree that 2009 was a tumultuous year and that we will forever be changed because of it. While politically and economically it’s been a rollercoaster, lets take a quick look back at those events that had (and will have) a pronounced affect on employee incentive plans.

Economic Downturn – With stock prices across the board plunging to new lows, a huge percentage of the workforce watched their stock options go underwater. This led to many corporations revamping their compensation policies and pay structures. The full impact of the economic downturn isn’t yet clear, or completely over.

Shift to Restricted Stock and Performance-based compensation – Corporate responses to #1 above included the repricing of existing underwater awards and a deliberate shift towards RS/RSU and/or PS/PSU (performance) awards, from the more traditional Stock Option awards that were very common before.

Risk analysis and Executive Compensation – The analysis of risky behavior and how that had a hand in the shift towards long-term incentives, restructuring of corporate compensation policies and new rules for proxy disclosures. The behind-closed-doors boardroom meetings of the past have been exchanged for ‘open boardroom doors’ and corporate discussions more transparent to corporate shareholders.

Shareholder Say on Pay – Compensation and stock awards are no longer strictly an internal discussion. While not required by federal law (yet), at least 38 US companies have pledged to hold voluntary say on pay votes in the spring of 2010. Included is Goldman Sachs who, after the public outrage over the bonuses received last year, are revamping the compensation plans for their executives by giving options with a vigorous 5-year vest schedule and classifying them as “Shares at Risk”, meaning they can be forfeited if evidence of fraud or malfeasance is uncovered.

Rise and fall of IFRS – While IFRS could have been the most talked about change in the equity and general financial reporting planning sessions during 2009, it took a backburner for most of the year due to many pressing other topics on the agenda. As we head into 2010 it’s likely to get back on the radar or be in the forefront of conversation circles again in the very near term. A solidified timetable should be released by the SEC early in 2010 with the final decision on whether or not the US will adopt it is scheduled for 2011.

Madoff Scandal – While not directly affecting incentive stock plans, the SEC’s oversight of the Madoff Ponzi scheme will likely lead to heightened scrutiny on all levels. In response, the SEC passed a rule for surprise audits of some investment advisors on December 17th.

Options back-dating scandals and trails – the media had many opportunities to report on many options back-dating allegations and the subsequent related trails of corporate executives from Broadcom, Comverse, Monster and several other large, publicly traded corporations.

The end of FAS 123R – While not a change in policy, the re-organization of over 20 sources of GAAP literature into the single source of FASB Accounting Standards Codification™ marks a significant shift in the terminology we’ve been using for five years. ASC Topic 718 replaces FAS 123r.
The Inauguration of Barack Obama – With a new president comes a new era, new leadership and new ideas. Even with his inauguration speech on Jan. 20th, Obama addressed the fact that 2009 needed to be a year of change “Starting today, we must pick ourselves up, dust ourselves off, and begin again the work of remaking America.” Part of that plan was the $787billion American Recovery and Reinvestment Act which has created a reported 640,000 jobs and the appointment of Mary L. Schapiro to chair of the SEC with a focus on protecting investors and vigorously enforce SEC’s rules.
The explosion of Social Media – 2009 saw the global economy becoming even ‘smaller’ as corporations and private individuals started creating Facebook, Twitter, LinkedIn and similar pages/accounts in order to communicate with one another. Who would have thought – a couple of years ago anyway – that people would be adding e.g. NASDAQ as a ‘friend on Facebook’?

Social Networking sites like those of MySpace, Facebook, and YouTube are the latest trend out there. Ebay and Google are no longer the sites that get the most visits on a daily basis. Using the features on a site like MySpace can be daunting though. MySpace has shut down several US based third party developers of MySpace Bots.

The most basic function on MySpace is the ability to invite friends to be your friends. MySpace will allow you to request 50 friends per day without having to bypass CAPTCHA. A good friend adder can be just one of those sites that allow you too add 1,000’s of friends at a time.

I have tried to use the MySpace profile updater but this thing on MySpace takes easy and makes it impossible. I, today, tried to add my graduating high school to my MySpace profile and tried over 4 times and each time it still asked me to add my high school. Somebody has told me that it can take a few days for the changes I requested to actually take place. To get around this headache you need to look for a Bot with a Profile Updater.

MySpace now allows every profile to have their own blog. With the introduction of Web 2.0 a blog has been one of the fastest growing trends. I have used Wordpress, Drupal, and Google’s Blogger to create blogs in but being able to have one on your MySpace profile is awesome. To stay with the latest trends you need to find a MySpace Bot that has a blog poster function.

Let’s say you are a member of a sorority and each student has a MySpace profile. Now to use the MySpace site each student would have to log onto their profile individually but some of these Bots allow you to do account chaining which means that if your group has 50 Profiles and you want to send a message to each profiles friends you can chain them all together so that the sending of messages is much faster and a lot less time consuming.

If you want a MySpace layout you can buy them on a site like Ebay. Do a search for MySpace layouts on your favorite search engine, look at all the results that come up. Do a search on MySpace or browse some of the users layouts and you will see a lot of great designs What if you could grab some of these profiles to use? Look for a MySpace Bot with a Profile Grabber which will automatically download it for you plus it might even help you use it yourself for your own profiles.

If you want to use a site like MySpace for marketing then you need a profile that will capture the attention of visitors, right? I am a 41 year old Man and my middle has started expanding a little more than I like to admit. Now the profile of a 26 year old lady lying by the pool I guarantee will be much more attention grabbing than my own profile. A picture is worth a thousand words they say so I bet the profile of the 26 year old female is worth much more than that. Look at one of the Bots out there that has an account creator.

If you have like 50 accounts and want to send a message to all of the friends for these 50 profiles then you need to make sure that each profile sends out a different message otherwise your profile may get deleted by MySpace. A message randomize can be a great tool because you will never have to worry about the same message being sent out over and over again.

MySpace as well as a lot of the other Social Networking sites now use what is referred to as a CAPTCHA code for the creating of accounts and some of them have this for message sending. A CAPTCHA code is a series of letters and/or numbers that appear on a small image. A person then needs to add the sequence of letters and numbers into the space provided in order to continue what they were doing. Some of the Bots used to have CAPTCHA bypass functions which were great because entering in these CAPTCHA’s can be time consuming. Nowadays it is hard to find a bot that offers this and the ones that do charge a premium for this feature.

A Proxy Randomizer is the last feature that you may need. If one of these social networking sites sees that a lot of accounts are being logged into from one IP address then they are going to flag anybody from that IP address. I have done some research on this and I have found that there is some software that randomizes proxy addresses so that each time you log into an account a different IP address is used.

Social Networking sites like those of MySpace, Facebook, and YouTube are the latest trend out there. Ebay and Google are no longer the sites that get the most visits on a daily basis. Using the features on a site like MySpace can be daunting though. MySpace has shut down several US based third party developers of MySpace Bots.

The most basic function on MySpace is the ability to invite friends to be your friends. MySpace will allow you to request 50 friends per day without having to bypass CAPTCHA. A good friend adder can be just one of those sites that allow you too add 1,000’s of friends at a time.

I have tried to use the MySpace profile updater but this thing on MySpace takes easy and makes it impossible. I, today, tried to add my graduating high school to my MySpace profile and tried over 4 times and each time it still asked me to add my high school. Somebody has told me that it can take a few days for the changes I requested to actually take place. To get around this headache you need to look for a Bot with a Profile Updater.

MySpace now allows every profile to have their own blog. With the introduction of Web 2.0 a blog has been one of the fastest growing trends. I have used Wordpress, Drupal, and Google’s Blogger to create blogs in but being able to have one on your MySpace profile is awesome. To stay with the latest trends you need to find a MySpace Bot that has a blog poster function.

Let’s say you are a member of a sorority and each student has a MySpace profile. Now to use the MySpace site each student would have to log onto their profile individually but some of these Bots allow you to do account chaining which means that if your group has 50 Profiles and you want to send a message to each profiles friends you can chain them all together so that the sending of messages is much faster and a lot less time consuming.

If you want a MySpace layout you can buy them on a site like Ebay. Do a search for MySpace layouts on your favorite search engine, look at all the results that come up. Do a search on MySpace or browse some of the users layouts and you will see a lot of great designs What if you could grab some of these profiles to use? Look for a MySpace Bot with a Profile Grabber which will automatically download it for you plus it might even help you use it yourself for your own profiles.

If you want to use a site like MySpace for marketing then you need a profile that will capture the attention of visitors, right? I am a 41 year old Man and my middle has started expanding a little more than I like to admit. Now the profile of a 26 year old lady lying by the pool I guarantee will be much more attention grabbing than my own profile. A picture is worth a thousand words they say so I bet the profile of the 26 year old female is worth much more than that. Look at one of the Bots out there that has an account creator.

If you have like 50 accounts and want to send a message to all of the friends for these 50 profiles then you need to make sure that each profile sends out a different message otherwise your profile may get deleted by MySpace. A message randomize can be a great tool because you will never have to worry about the same message being sent out over and over again.

MySpace as well as a lot of the other Social Networking sites now use what is referred to as a CAPTCHA code for the creating of accounts and some of them have this for message sending. A CAPTCHA code is a series of letters and/or numbers that appear on a small image. A person then needs to add the sequence of letters and numbers into the space provided in order to continue what they were doing. Some of the Bots used to have CAPTCHA bypass functions which were great because entering in these CAPTCHA’s can be time consuming. Nowadays it is hard to find a bot that offers this and the ones that do charge a premium for this feature.

A Proxy Randomizer is the last feature that you may need. If one of these social networking sites sees that a lot of accounts are being logged into from one IP address then they are going to flag anybody from that IP address. I have done some research on this and I have found that there is some software that randomizes proxy addresses so that each time you log into an account a different IP address is used.

Depending on which region you reside in, there’s a large amount of Internet censorship stemming inside the Middle East. Though it has looked to get much less serious within many parts within the last several months, you can still find a lot of places, such as Facebook, Hulu, or even certain policially leaning forums and chatrooms, which are not allowed for a heavy share of the areas.

If you live within in any of these countries that tend to censor the things you are allowed to look at and read, you should recognize that there are plenty of ways to connect to the Internet without learning a lot of confusing bypass codes, or possibly taking a chance of legal backlashes. Set at the close of the article, you will discover a number of links that can help you to free different internet sites, or show you to available proxies that aren’t banned inside your country.

Come on, no one enjoys having their individual rights trodden on on, especially the right to communicate with the people we choose, or look at what we wish. Even though the authorities within your region might still be pushing to hold you from a lot of the international Internet, there is a way to get around it. It merely needs a small amount time, and a little knowledge. With the best proxies, sites, and many tools, you can release any site that has been banned inside the Middle East. This surely includes internet sites limited in areas that are barely now beginning to open up to the curiosities of the net.

You dont have to be chained to anyone else’s measures when it comes to your own morals, Check the sites shown at the bottom of this page, and watch how you can bypass Middle Eastern censored places, without being forced to worry over the outcomes.

VoIP Anti blockage SIP softphone/Dialer —- VGCommunicator

Fully SIP based PC softphone service.

Features:

Supports branding with custom skin and logo Compatible with Windows 98/Me/2000/XP/2003/Vista NAT/Firewall traversal support Work with any 3rd party SIP Server SIP outbound proxy support Display caller account balance Display call credit time Embed Flash advertisements DTMF tones can be integrated with voice mail or other tone driven systems Multilanguage user interface Integration with customer website Voice Activity Detection Automatic Echo Cancellation Automatic jitter buffer adjustment Last number Redial History of 10 last dialed numbers Quick dial list Quick provision for customers, only user name and password required Auto software update VoiceGuard™ VoIP anti-blocking engine embedded, widely used in UAE , Asia & Africa ISP blocking VoIP market

And we provide customzation Softphone/Dialer service to the VoIP providers.

Other members of VoiceGuard for VoIP anti-blocking as follows:

VoiceGuard™ Standalone Client(VGSC) for Windows – Perform encryption for  any brands of ATA/Softphone, such as Linksys PAP2 & X-lite VoiceGuard™ Client SDK(VGSDK) – Incorporate voip anti-blocking capability into existing legacy softphone and dialer running on Windows(Softphone/Dialer customization service is also available with VGSDK)  VoiceGuard™ SPE VoIP Adapter(VGSPE) – VoIP anti-blocking ATA device which is available in 1 – 4 FXS & FXO ports VoiceGuard™ Border Controller(VGBC) – Support any brands of ATA/Softphone for existing legacy ATAs, such as Linksys PAP2

 VGSCLite released for VoIP Anti-Blockade, get free trial   

SpeedVoIP Debuts VoIP Anti-Blocking.

For political & economic reasons, ISP may block VoIP in your country. To protect your VoIP business & profit, SpeedVoIP Communication Technology Co., Ltd. is providing Security VoIP software solution, VGSCLite, which installed on the PC at the client side. And it’s specifically for softphone such as X-Lite.

Key Features:

Maximum call completion rate and maximum voice service duration

SIP core standards and a variety of drafts supported

Proprietary link layer protocol for controlling

Any 3rd-party Softphone/ATA/Gateway/IPPhone/IAD and SIP Proxy/Registrar/SBC supported

The most comprehensive codec including g.711/g.723/g.729ab/iLBC/gsm/speechX supported

Bypassing Narus and Verso platform detection

Flexible user-customized encryption policy driven

Strict call path protection and security up to termination

Only simultaneous signaling/media/T.38 fax packet support across any firewall.

No network or firewall modification is required.

Excellent voice quality without any latency and performance compromise

Small footprint terminal SDK

Available on all major platforms.

Cindy

Email:cindy@speed-voip.com

MSN: svoipsalessilver@hotmail.com

Skype: svoipsalessilver

Gtalk:speedvoip.cindy@gmail.com

http://twitter.com/cindyvoip 

http://www.facebook.com/profile.php?id=1850236815

Youtube jumpstart is a software you can use to raise your youtube views. If you have had problem of increasing your youtube video, then a better solution is to use youtube jumpstart. Since google put in place a new algorithm to stop phony views which are gotten with the aid of proxies, getting better youtube views have been difficult. With the introduction of jumpstart, the way to raise your YT views organically is no longer a hindrance.

Jumpstart does not make use of a proxy program; rather it makes use of a unique method to boost your youtube views from time to time. This software will not require you to put on your computer on throughout the night or even day because of youtube view increment. This system will not get either your videos or account suspended. The jumpstart system is an organic viewing program which will generate steady streams of unique and quality views to your youtube views second by second.

This system can help your youtube videos reach at the top of the category where your video is listed. The system it will use to boost your videos will get real people viewing them and not artificial viewers.

How it works

Jumpstart makes use of modern viewing system which will not breach the terms of service of youtube. The views it generate are genuine and it will be viewed by real persons who are signed to youtube or from other sources.

The stream of traffic to your videos will come from embedded sites like twitter, facebook, youtube visitors and many other high traffic sites. This traffic can be tracked using the “came from” tools on youtube. The way Jumpstart works is by forwarding your url to their server which then forwards visitors to your youtube video through varieties of sources.