Tri-Liminal Phenomena will Crank Your Mind Into High Gear. Attract Financial Success, Achieve Personal Goals. Eliminate Negative Habits and Behaviors.

Fall Asleep Faster, Fall Asleep Deeper, More Restful Sleep, Deep Zen Meditation States - Merge With The Universal Mind.  

Triliminal Phenomena Part 1

Tri-Liminal Phenomena is not a success program, it is a Powerful Solution for everything that is wrong with your life. It is pure power synergizing state of the art proven technologies in Human Brain Potential to Transform your Life on Auto Pilot. A one hour multi layered module that is custom engineered to go beyond the mind and engage you on a journey of change and transformation.
Thought Bubbles simply ignore the resistant worn out patterns you  now have, and trigger your Brain to create new success neural pathways. A note on

Your Jouney will allow you to merge with Universal Mind, the source of all creation, experience thought bubbles while increasing your personal vibrational frequency that is responsible for the coincidences in life. example: things seem to simply go right in your life.  Triliminal Phenomena is a breakthrough in the Jouney to Transform your Life.

You are now a passenger on the Triliminal Phenomena Module. Simply put on your Headphones, and let Triliminal Phenomena take you on a Journey of Transformation and Change. Selected Readings on .

Plug and Play Technology put pure transformational power in your hand with Scientifically Engineered Techniques to re-wire your brainwaves with a blueprint for personal success.
 

Triliminal Phenomena Part 2

Triliminal Phenomena Part 3

Triliminal Phenomena Part 4


Whole Brain Thinking

Allow your brain to work as a whole rather than two halves ! Very special tones in the Triliminal Phenomena will have your whole brain working together at full potential to transform your life.

If one side of your brain appear to influence the other, Triliminal Phenomena will have your whole brain working for you. Scientists have long been convinced that humans do not utilize all of the massive power of their brains.

It's an organ of two halves: one encourages logical, reasoned thought whilst the other controls creativity.

Most of us are trained through schools, colleges, parents, friends and universities to favor one side or the other.  
Triliminal Phenomena Whole Brain experiences is designed to activate both sides of your brain and expand the power of your mind, by merging with Universal Intelligence.  Your brain responds to your thoughts, generated through suggestions, the spoken words directly or indirectly which trigger thought streams and inevitable behaviours and actions to influence circumstances and results that you experience. Results from search is

Just sit back and allow Triliminal Phenomena activate Whole Brain Thinking to trigger your whole brain to actively participate in resolving your problems that is causing you worry, while harnessing the full potential power of your brain to move yourself forward to inevitable success.

At this very moment, Triliminal Phenomena is at work to actively unleash the incredible capacity of your Brain.  Nothing for you to do, simply allow your whole brain start working together for your success right here, right now.

Experience the power of your mind  and Blow everyone else out of the water. Why throw away half your natural talents! Download Triliminal Phenomena Now, and Start the Jouney towards your inevitable Success.

 Tri-Liminal Results in the First Hour

The Tri-Liminal Phenomena will have you experiencing results within the first hour of use. Tri-Liminal Phenomena is an easier pathway,  a new technology, that triggers the power you already have.  It was engineered for results, not just another slick production. It will change your Life. Researched item on

Guide your inner powers directly by using the untapped 98% of your Brain Potential into specific states of mind that builds powerful neuro pathways to achieve unstoppable performance.

With Tri-Liminal Phenomena technology, you leverage your Inner Power through your brain to attain optimal mental and physical performance.

This new path uses immersive sound waves and Vibrational Frequencies that transport you into higher dimensions of frequency consciousness where profound transformations take place.

This creates huge shifts in your Mental Performance to trigger Physical Performances that changes your day to day Reality. The Tri-Liminal Phenomena Targets Specific Objectives

Tri-Liminal Phenomena is a 360 Full Surround Journey,  transforming your stereo headphones into an exciting adventure of life changing transformations. You will travel into those secret areas of your brain and your mind with blueprints to correct those areas that does not work for you.

" I am an ex-insomniac. I toss about restless and wide awake.  I would watch TV all night and every day I am tired. Even presciption drugs did not help. Yet, after a week using this module, I fall asleep the minute my head hit the pillow. It looks like my body learned to sleep again. This Triliminal stuff is good. " Jose Camarillo

Quiet the Voices Within

Stop the Constant Chatter Inside your Head
 

Escape the hive of noise and unwanted activity in your head and Live Life to the fullest with peace and quiet.

The modern world is noisy enough without having to suffer constant voices in your head. They never stop, and most of what they say is very damaging to you. It makes it very difficult to live a normal life. If only you could make them stop. Triliminal Phenomena calms those voices and clear the chatter in your brainwave activity to one of calm and tranquility.

The voices fade and you experience the peace and tranquility of real quiet.

Right here, Right Now, sit back and listen to the babbling brook to experience the tranquility of the Source of all Creation, as you Grow quiet, calm and Tranquil. You experience the Quiet Within and silence the sounds in your head to experience the world with clarity and calm again.

 You will transcend into dimensions of the invisible where magic happens and call on your personal guide to create unique blueprints for Financial Success and Life Changing Prosperity.

Deep Zen State

Triliminal Phenomena produces Specific Frequencies within the soundwave combination to guide you into the deepest Zen State naturally.

No effort on your part, you quietly put aside all your worries and concern as you enter the Zen State.  You will break away from old patterns of problems and worry.
Anxiety and Panic Attacks melt away while you resolve your problems and worries through merging with Universal Intelligence.

In this state, you will Gain  Insight and awareness to your personal and unique way to managing the coincidences in your life, and attract your deepest desires along your Life Path. Here, you practice the art of Materialization.

No strenuous exercise with long secret recipes, with Triliminal Phenomena you plug in, and go there, organically and all natural.
Example : If you were going to Europe for a Vacation, is it really necessay to build an aeroplane, learn to fly it, get flying lessons to fly the plane you built for your Two Week Vacation ?
I hope not !!. Much better to buy a ticket, board the plane and enjoy your vacation. Triliminal Phenomena is the module to Transforming your Life.

Financial Success

You Can Create Wealth - Triliminal Phenomena is the frequency doorway to merge with Universal Mind. This is your Journey to Make more Money and Unlimited Wealth.

Achieve a healthier bank balance and everything that goes with it

Everyone wants to be rich but only a few achieve real wealth.  
Triliminal Phenomena energises your personal magnetic attraction to accumulate wealth.

It takes the right attitude and a fearless streak to hit the jackpot.  Triliminal Phenomena is designed to install the millionaire mindset to achieve your personal goals. You become more optimistic and materialize those dreams and desires. Reflections on

Discover the know-how to build your personal consciousness of wealth and start attracting more money while accumulating wealth.

Triliminal Phenomenal will fire up your imagination and release your creative powers, to attract new businesses and profits,
Earn loads of money, Become a business tycoon. Do Not just dream about money, go out and make it! True Financial Success includes monetary prosperity and abundance, career satisfaction, recognition and personal freedom.

Powerful tri-liminal 3D Photo Sounds embedded with the millionaire mind directly establishes clarity of intent and a success mind-set.
 

Money is energy you tap into    ON Auto-Pilot.

The Tri-liminal Phenomena ignores the layers of Poverty Training and the Deep Poverty Blueprint Embedded in your neural pathways.

This poverty blueprint controls how you feel, what you think and what you do. Just look at your results, and you will agree it is the results from a poverty blueprint.

When you think like a Millionaire, Feel like a Millionaire and think through every of your daily challenges like a Millionaire, you start getting Millionaire Results - and this new results will have everyone around you notice.

Tri-Liminal Phenomena will ignore your Poverty Blueprint, and Superimpose The Millionaire Mind blueprint to transform your poverty mind and adopt this new Millionaire Mind blueprint as a natural evolution. This will transform your focus and your outlook to affect both your behaviour and results.

" I was unemployed for three years, and I gave up hope. I did odd jobs to keep my head above water. I was stressed out and anxious 24 hours a day. Many times I thought I was having a heart attack, my doctor says it was anxiety. I used Triliminal, and it is magic. I had an idea while using it , to start a small odd job business.   Before I used Triliminal, I never thought I was good enough. I was very ashamed with myself. I do not know why, but I felt like Iit was ok to start this business, and I talked to my sister, who had a good job. When she said "I believe in you Mike", I cried like a baby. I used Triliminal all night. I was terrified to start this business. Then, my whole family was all dressed and they went with me to do it. I started my small business. I passed out flyers and told everyone in my neighbourhood about it. In the business ... My wife cooks and bakes, my children delivers and I do the tough stuff, like handyman work. Now, there is a long line of customers. From a few dollars as a day while unemployed to thousands a week, I was able to pay off our debts and buy our home. Life is getting very good."   Michael Carmichael

Switch Off the Pain and Clear your Brain

Triliminal Phenomena will release your suffering with migraines Had enough of headaches and painful sensitivity?

Migraine is an excruciating condition.

The slightest movement makes you sick and even the merest hint of light causes shooting pains in your head. Even after the pain subsides you are left feeling wrecked, rung out and ruined.

Triliminal Phenomena activates Brainwave Frequencies that will relieve your Migraine Condition to help alleviate these symptoms.

Pain recedes and you feel intense relief. Activate Triliminal Phenomena Brainwave Frequencies release yourself from pain and be ready for anything. Soothe your mind and body to Manage migraines, Feel happier and healthier, Enjoy pain-free experiences. Turn off migraine pain

 

Unstoppable Self Confidence and Self Esteem  Persistent feelings of being worthless and insignificant.  Missing out on great opportunities and Relationships.  Always your own harshest critic. You have excellent characteristics, but shyness keeps you from having deep meaningful relationships ?. Always left behind and out of the loop. As a result, no-one ever gets to see the real you. Triliminal Phenomena is crafted to reframe your old tired and worn out  thinking patters of self loathing to set out on a new Jouney of courage and determination to put yourself first . Your belief in yourself soars and you realize how much you have to offer. Just allow  Triliminal Phenomena to take you out of the back seat permanently, while transforming your self image into strength and self-belief to stand up and be counted.  Triliminal Phenomena is a jouney of Self Transfomation that is effortless.  It will easily set you on the path to the new super-confident you by Eliminating negative thoughts , Adjusting skeptical attitudes and behaviors, Believing in yourself and your abilities Love & Applause From All Sides to Hold your head high in every situation will Eliminate fears of rejection, accept praise and admiration and Appreciate the warmth and generosity of others You Surge with Unstoppable Self Confidence and Self Esteem    Triliminal Phenomena Zoooooming experience to new assertiveness, dynamically boosting your Belief in yourself . Eliminate worry about the opinions of others, Make positive and proactive decisions. The New You, Super Confident, with High Self Esteem. Realize your true value and importance. Permanently Remove doubts and anxieties, Lift the weight of negativity from your shoulders, and be more and more confident with everything you do A lack of Self Esteem is an Unnecessary Disease that affects our Relationships, our Career, our attractiveness and our day to day results. Removing the root cause of this disease (Lack of Self Esteem) will simply banish it (this disease) from your Life, and you will be fired up with unstoppable self confidence and self esteem. This will skyrocket your career,  improve your relationships and you are more attractive to everyone around you.

	Gracia Montero
		I've noticed an improvement in myself since I've started using the Triliminal Phenoma, but it's not just me; my familly and friends tell me as well that I look and act way more confident. I feel so good about it!   Gracia Montero
		I've been drifting for many years and I was in total denial. I feel now that I've gotten back onto the path to regain balance and harmony in my life. Thanks to you! It is no coincidence that I bumped into your Trimliminal Phenomena. Deep down I was desperatelly looking for guidance and I think it was meant to be.   Gracia Montero

 

And this is just the tip of the iceberg of the amazing

	" For the last 5 years I have been through great personal turmoil and I found it very difficult to stay motivated and focused. Since listening to the Triliminal Phenomena program, my life has taken a remarkable turn-around and has opened up a whole new world to me. I am now taking action towards my goals, and have a clear direction and focus. The Triliminal Phenomena program has not only changed my life, but also my family." Joanna Wallace Joanna Wallace
	"I ordered Triliminal Phenomena and my life has changed so much for the better, I listen to the program everyday and sometimes while I sleep. My confidence has hit a level I never dreamed ever existed. The Triliminal Phenomena is awesome, and the thoughts I have now are positive, and I find when someone says something negative, I respond with something positive, and I find my negative thoughts are gone, this all happened in a short period of time. I also had a lot of anxiety, depressed and took an antidepressant, after listening to the Triliminal Phenomena I have not taken them since, I am calmer, I sleep better and feel better all around. I recommend Triliminal Phenomena to anyone that is struggling with self issues or any issues. Believe me this is coming from one that grew up around negative surroundings." Joanna Wallace
	"I have had problems not being able to sleep for days before a meeting. Getting to the meeting was even harder. Everyone was telling me I'm doing okay, but they do not know how much it takes me to do it. I have tried exercises, new age music, talking to myself in positive ways, reading many books and listening to audio books. It has helped, but not enough. So, I bought the Triliminal Phenomena program with a real hope that I would be ready to face "the music: again this year. I listened to the program for three days before my first presentation. I slept a little better and to my surprise I was calm the day of the presentation. Even more, I was looking forward to taking the microphone. The presentation went very well, I may have even spoke too much and surprised many who know I don't like the microphone. I have to say I think the Triliminal Phenomena program has certainly helped me get on the right track." Joanna Wallace

 

Upgrade to Brain 2.0

Upgrade Your Brain to Triliminal Phenomena Brain 2.0 and experience Whole Brain Activity on auto-pilot. Technology  now makes it possible to engage your Brain into Whole Brain Processing Power. Engage the Unlimited Potential of your Brain that is locked away in a primordial state and unused, and unleash all its potential to Full Processing Power to Realize all your Dreams and Desires.

Plugin Triliminal Phenomena integrated Flash Brain 2.0 Upgrades and its like your brain goes on Genius-Level activity, unleashing pure potentiality that is only possible with your brain operating on Triliminal Phenomena Brain 2.0 upgrade to Full Genius Brain Power:

6 Powerful Flash Modules to Engage Your Brain into Triliminal Phenomena Brain 2.0 Full Potentiality
 

Dynamic Mood Elevator. Powerful Gamma Protocol to flood endorphins throughout your body to energize and motivate you. Be calm, relaxed and happy as a way of life. Put an end to brain fog and stubborn depressive moods.
The Millionaire Mindset. Deep inside your primordial brain is a trained set of reactions that is released in your day to day life as invisible action thoughts. Through your environment, these invisible action thoughts are organised into survival behaviours that will follow you and your reality for the rest of your life. These Action Thoughts can keep you poor for the rest of your life. Example 90% of all Multi Million Dollar Lottery Winners return to Poverty after a few years. Triliminal Phenomena Brain 2.0 Upgrade engages these invisible action thoughts directly from every dimension and  level of mind to transform them (your invisible thoughts) into Pure Potential. You think, act and behave like a Millionaire, and you Achieve Millionaire Results. You have the Midas Touch, Making Money, Keeping your Money and using your Money to work for you comes to you as easily as Breathing.
Natural Massive Energy Levels. Organic energy from Triliminal Brain Power 2.0. Your Brain controls your Energy Levels by flooding your body chemistry with high levels of energy boosting emotions . Success, Winning, High Achievements, personal recognition and happiness emotion boosting energy immediately explode your energy levels to achieve peak performance each and every moment of each and every day. Triliminal Phenomena make this level of persistent high energy your everyday experience for the rest of your Life. Seeking the term for
Solutions come Quickly and Easily to Achievers, Millionaires, Billionaires, The Rich, The Super Rich and the Extravagantly Rich. Your Brain Have Instant and Immediate access to every solution in the Universe on Auto Pilot. This is Triliminal Phenomena Power in Action. Make it your Action, Upgrade your Brain to Triliminal Power.
Switch to Triliminal Phenomena, the place where there are no limits and you can have, do, or be anything you can imagine. from  the Triliminal State, you can have more than you could imagine Experience 3D Manifesting Your Own Reality You Want More, and You are Ready For More. You are ready to turbocharge your Inner Force to Manifest. YOU ARE READY to Go Beyond the Poverty Reality Cycle. You are ready to let go of what is not happening in order to accept what you want in your life.
Experience Deeper, More Restful Sleep Triliminal Phenomena will restore your Sleeping Brainwaves Naturally and Organically, so you can naturally go to sleep every night for a deep, restful sleep. Your chattering brain goes quiet, you feel peaceful and fall into a deep, restful sleep each and every time.
Effortlessly experience Incredibly Deep States of Relaxation and Zen State peacefullness with Triliminal Power so you can experience inner peace in your every day life.Enjoy the Sleep of your Dreams, banish disturbed sleeping patterns, and feel completely refreshed when you wake up   Disturbed sleep is difficult to cope with. It is annoying to be lying awake worrying about not getting enough sleep. You watch the minutes tick by, knowing you will feel terrible when it's time to get up. And when you do get up, you still feel tired and irritable. Triliminal Phenomena rewires your sleeping patterns to your original natural sleep like a baby, a restful deep sleep without pills or drugs . Triliminal Phenomena will restore your natural ability to get a great sleep every time you go to bed, giving you the strength to cope with the heavy demands of modern-day living. Fall into a deep, relaxing sleep, Enjoy consistently refreshing sleep, Wake up feeling rested and rejuvenated
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Summary
Internet fraud should be addressed as two specific issues fraud that uses Internet technology as an integral part of the fraud; fraud that is already taking place by other means and the Internet is merely another method of delivery.
Methods exist that istop fraudsters misusing the technology, which can be rapidly implemented, but factors such as industry acceptance and concerns over potential liability if previous security claims could be claimed to be inaccurate will delay introduction. Much effort is spent promoting logos and confusing self-regulation, and trying to catch fraudsters, whilst the adoption of formal standards and accreditation for security (such as ISO 17799) are only starting to take place.
New Internet environment crimes may exist, such as defrauding machines or causing business harm by denial of service or virus attacks, and these will require social and legal steps to address them. However, the Internet has provided the fraudster with access to a significantly bigger market than ever before and effort will be required to create an environment where fraud is resisted by design rather than by insurance.
Introduction
Internet fraud is said to be big business. But what is it, and does using the Internet create the fraud, or is the Internet just a different way of delivering 'traditional' fraud.
Fraud is essentially persuading someone of something with intent to deceive, perhaps with criminal intent. The deceit may be to persuade you to part with money, goods, services, rights or information.
For the purposes of this paper we are not going to examine methods of fraud, but look at the general techniques, how they are applied, and how, if at all, the Internet can be used to make those techniques easier for the criminal to use either to carry out a fraud or to escape detection.
General techniques of fraud
The key to fraud is to persuade you that isomething is real, when in fact it is not. Once you accept that the fake is real then the fraud can take place - whatever it is. Whether you are buying the Eiffel Tower in Paris or the Golden Gate bridge in San Francisco (both are real and have been seen by millions of people - and have been regularly 'sold') the essence is to believe the proposal that is put to you.
Other types of fraud essentially persuade you to do something in the (wrong) belief that it ishould be done, or to accept isomething in settlement that proves to be without the value you were led to believe. But they all come back to the same thing - the fraudster has to persuade you that his vision of the world is the correct one.
How do we normally counter fraud
In ordinary life there are many things set up to help avoid fraud. Mostly we rely upon physical things - buildings (such as banks) help to prove to us that we are dealing with something real - talking to people on the telephone on a number that is in a directory helps us believe that they are who we expect. At a more sophisticated level, businesses have to be registered and the directors names and addresses made public. There are also agencies with a duty to respond to complaints over the trading practices of businesses.
How does the Internet map to the real world
The Internet is rather different. The biggest problem for the Internet user is that there is no physical reference to use. You canot go to a physical bookshop at www.amazon.com. You have to believe what the computer tells you, and that is the start of the problems.
We have many practical examples where people get the physical world wrong - they put their bank cards into fake ATMs and enter their PINs, they tell their friends and children their passwords (sometimes in public), they sign up to 'get rich quick' deals with people they donot know - so how well are we set up to handle the Internet world, where web sites are just exactly as good as their designer intended?
The practical answer is just barely. The Internet is marketed as an anonymous zone. Information is free and users are anonymous. Now some of those features are desirable. When you go into a store it is the store that has to tell you who they are. If you pay with cash they will never know who you are and none of your legal rights are affected. They give you a receipt and you can check any of the details and get corrections made on the spot. If you want credit you have to tell them more about you, but not necessarily very much.
The Internet, by comparison, is anonymous whether you are the seller or the customer. For the seller it is as anonymous as they want to make it. This, of course, might be thought of as attractive to a fraudster.
Avoiding obvious frauds on the Internet
Some potential sources of fraud - misrepresenting a business as that of someone else - are being slowly dealt with. Domain name registration has almost reached the point where there is some certainty that www.harrods.com is the web version of a famous department istore in Knightsbridge, London. But it is still very far from being fully resolved. It is still possible to register www.harrodds.com, www.harrodss.com. You can copy the real thing without too much difficulty, and with a bit of luck and some spelling mistakes a fraudster can still be in business.
But this type of fraud could be avoided by legislating to bring web site name registration into line with company registration rules, where similar names and "passing off " are already dealt with. The methods for obtaining web site names that are primarily for 'trade' could also be addressed to ensure that they can only be obtained by registered businesses, and that the link between the domain name and the registered business is a matter of public record.
Some less obvious frauds
The Internet uses a technology called TCPIP in order to send information between one point on the Internet and another. Unfortunately it was not designed to be secure, it was designed to be resilient. As a result it is possible to read information that travels around the Internet, and also to alter it. Therefore, it is possible both to read information that is not protected and copy information that has been protected using cryptography, (a technique that makes information unreadable to the unauthorized) and to change the unprotected information without being detected.
The effect of this is to create a situation where fraud can be carried out even when a genuine transaction is taking place. Fraud might include putting other recipients names on the distribution list to make you believe they are also involved or in agreement with what is going on. (This can happen in the physical world - processing a credit card transaction multiple times on paper and forging the signature from the valid bill.)
The fraud is subtle because it is impossible for either party to detect. It is effective because the fraudster may have gathered information that allows them to completely impersonate both parties in the future.
Solutions for technical problems
These frauds require a manipulation of the Internet technologies, and so can be resisted by technology. However, the technology being marketed to solve this problem Secure Sockets Layer (SSL), in the way in which it is usually implemented, has fundamental weaknesses, and has been shown to be capable of being defrauded. Many other schemes, based upon codes of practice and logos shown on web sites, although worthy in themselves, are equally capable of being defrauded. It iseems strange that isome advertising appears to suggest encryption technology using a 40 bit algorithm is perfectly secure for commerce, whilst also saying that 128 bit algorithms are essential.
Alternative technologies such as those from ArticSoft are being delivered now that allow end users to gain immediate validation of web site content itself. They require software to be present in the machines of the end users to act on behalf of the user to carry out checks that the user can be prevented for doing themselves by competent fraudsters.
They also require competent registration procedures for Internet traders to make it more difficult for a fraudster to enter the system and pretend to be genuine. Such registration procedures are claimed to be in place for SSL.
One of the most important international developments for defining security behaviour has been the adoption of the international standard ISO 17799 Code of Practice for Information Security Management. It is a comprehensive management istandard for addressing the full range of issues for protecting information. Sensible adoption and application of the standard could provide significant benefits both to business and consumers. Self regulation schemes would do well to consider adopting it as a means of providing a common frame of reference for security and privacy claims.
Solutions to help user understanding
Web site design
The basic approaches to developing and designing Internet many web sites are based upon ease of implementation for the web site consistent with current 'fashion' for both appearance and implementing the latest technology. The user security experience is largely of unexplained transitions to web site addresses that do not relate to where they started. That contradicts the users real world experience and actually promotes fraud potential by forcing the user to either accept inconsistency or ignore it. Both positions mean the fraudster can insert his version of reality without ready detection.
The move to adding unexplained pop-up windows, unexplained other windows, moving information and other similar features have to be contrasted with the user confusion of the site he or she is dealing with and the fraud potential that brings. Also the introduction of monitoring software and similar programs can only increase the level of fundamental mistrust the user has in the Internet. From a domestic user point of view this is little short of hacking. So how do you know the good guys from the bad?
Re-making the presence of entire sites overnight contradicts the physical world where change has to be announced and is very evolutionary. It happens in slow time where regular customers build up acceptance and experience. Trying to educate users to live with rapid change is creating cultural change in Japan where new product take-up rates are reducing rapidly.
Security presentation
Security information needs to be proactive and tangible. Security solutions that rely upon static logos or that require the user to perform specific actions and then carry out manual checks of their own are flawed. Physical world checks do not work that way so there is no transfer of experience to the Internet.
Security information goes far beyond making claims about '40 bit SSL' technology. In the physical world you know where the store is and it canot move rapidly. The location of an Internet isite is less than clear. Provable information is needed to show the trading address of the business, real contact information, governing law and an effective link from that to any transaction being undertaken.
Security information must be considered when transactions fail to complete just as much as when they succeed. In the physical world the user can see when a transaction has not completed, but the Internet lacks that visual experience. Forms that re-set without explanation, or fail for reasons that are not explained fully on them, contribute to the inability of a user to detect fraud taking place. Such techniques are commonly used by fraudsters to gain information.
Does the law help users
Considerable efforts are being made by law enforcement agencies to prevent fraud (any many other criminal or civil wrongs) using the Internet and to prosecute wherever possible. Data protection, whether stemming from the European Directive, Human Rights, the US Health Information Portability and Accountability Act (HIPAA), seems to have enjoyed less visible action, although that information is needed in addition to credit card information in order to commit Internet frauds such as identity theft.
The problem the law faces is created by the non-national nature of the Internet, and the national nature of law. Even if there are suitable offences, being able to proceed successfully is difficult, and for the ordinary consumer rather daunting. For the consumer, producing available evidence long after a fraud has been detected is also problematic. The situation is further confused by the desire of valid industry to collect as much consumer information as possible - something the fraudster also wants, but for different reasons.
One also has to be careful that law is not used instead of industry action. Making something an offence does not mean that nothing need be done. The recent US Digital Millennium Act is perceived by some as preventing the exposing of inadequate security mechanisms. Given that the user is actually the one exposed by security inadequacies, careful consideration needs to be given over user reaction to such a situation.
Conclusions
Internet fraud has two distinct istrands to it.
One results from the differences between doing business in the physical world and the dematerialized world of the Internet. This gap has been accentuated by the 'world of the Internet' to the point where the user has no conventional reference points. This leaves the user ill placed to make adequate judgments of any kind, not merely about isecurity and the possibility of fraud.
The other results from technical inadequacies in the infrastructure used by the service providers. Lack of clear regulation has allowed registration practices to develop that are not acceptable anywhere else for doing business. Previously available security mechanisms have been implemented in ways that fail to protect the user and which require, if followed, unreasonable user effort and significant user education.
Mechanisms such as the law may be able to provide some assistance, but care needs to be taken that the law is not used as an excuse for inadequate business practices. It would be sensible to ensure that a duty of care to implement best practice is included in legislation to expose any who have failed to protect themselves, their shareholders or their customers. Self regulation is another essential approach, but it must avoid becoming all self and no regulation if it is to carry real conviction to a suspicious user community, and its practices must be clear, obvious and understandable to the ordinary man. The paper world has already done this so wheel re-inventing is not required.
The introduction of new technologies places responsibilities upon their implementers. The developers have a responsibility to get it technically right. The implementers have a responsibility to deal with its social and cultural dimensions, and cannot istand back and ignore these. Professional web site design carries a great deal more responsibility than merely sorting out key words, search terms and a site map.
References
Web spoofing allows an attacker to create a shadow copy of the entire site. www.cs.princeton.edusippubspoofing.html
Spoofing the Whole Web. www.bau2.uibk.ac.atmaticspoofing.htm
What is web spoofing? www.nmrc.orgfaqshackfaqhackfaq-9.html
Dartmouth PKI Lab Web Spoofing Demonstration - www.cs.dartmouth.edu~pkilabdemosspoofingindex.shtml
Some Web spoofing may be noticeable, so it is helpful to keep these tips in mind www.washington.educomputingwindowsissue22spoofing.html
Navigator and Microsoft Internet Explorer. Web spoofing allows an attacker to create a shadow copy of the entire World Wide Web. Accesses to the shadow Web www.secinf.netinfowwwsecurity16.txt
The Digital Millennium Copyright Act (DMCA). The DMCA is being used to silence researchers, computer scientists and critics. www.anti-dmca.org
Provisions in Chapter 12 of the US Copyright Act, enacted in the Digital Millennium Copyright Act (DMCA) must be repealed or struck down as unconstitutional - www.petitiononline.comnixdmcapetition.html
The New York lawsuit appears to be the first to use the Digital Millennium Copyright Act (DMCA) to try to restrict a computer program - www.wired.comnewspolitics
Authentication Whos Site Is It Really? by ArticSoft www.articsoft.comwp authentication.htm
The Changing Face of Web Security by ArticSoft www.articsoft.comwp changingface.htm
Credit Card Fraud, Link to Top Ten Home Page. The Bait Surf the Internet and view adult images www.ftc.govbcpconlineedcamsdotconcredit.htm
Credit card fraud hit 1 in 20 users. And identity theft hit 1 in 50 during past year, study shows. By Bob Sullivan MSNBC. www.msnbc.comnews718115.asp
Around 900,000 victims across 22 countries. The biggest credit card fraud ever. Fraudulent credit card transactions generated using adult web site merchant. www.faughnan.comccfraud.html
5.2 percent of respondents saying theyapos;d been victimized by credit card fraud in 2001 and 1.9 percent isaid theyapos;d been victimized by identity theft www.cnn.com2002TECHinternet0304fraud.online.survey
ISO 17799 (2000) references may be found at www.bsi-global.com and at www.xisec.comm
About The Author
ArticSoft (www.articsoft.com) have over 30 years experience in the field of computer security, and 15 years experience of securing information on personal computers and messaging systems. Our CEO Steve Mathews, is one of the authors of BS7799 (now ISOIEC 17799) and is well recognized in the security industry.
info@articsoft.com



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About the Author:
For over 20 years I made my boss rich. I was tired of just making enough to pay my bills. A friend told me about this great opportunity to earn some money while working at home. Within 6 months I quit my job and for the first time I have been able to put away some money. My life long dream to travel the world can finally become a reality.

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