So what is the Dark Web?
We have all heard of the dark web but it is unlikely that we actually know what it is…..
The Dark Web is part of the world wide web and requires specific software in order for it to be accessed, once this is in place its websites and other services can be readily accessed. Not all sites are visible and can be hidden because they have not been indexed by a search engine and can only be accessed if the precise address of the website is known.
The dark web sits below the “Surface Web” i.e.Google and Yahoo and the “Deep Web” which includes scientific and government reports and subscription-only information.
Certain markets operate within the dark web and are known as “darkest markets”which tend to sell illegal goods such as drugs and firearms, the currency of which is bitcoin where it is difficult to trace the source of the recepient.
Individuals and groups can seek total anonymity as these are generally groups who wish to stay hidden on line from the police and governments.
Let’s go Dark….
This is possible by downloading software such as Tor known as the “Onion Router” where users can be idenitified by the domain name “onion” and focus in providing anonymous access for users. Whilst 12P the “Invisible Internet Project” permits the anonymous hosting of websites. It is not possible to identify the IP address and track dark net users due to the layered encryption systems that are in place. Intermediate servers are also used which helps in making identification impossible.
The Dark Side
Hackers exist here to sell their services offering services such as :-
- Tools for DDoS attacks
- Fraud services
- Phishing of websites
- The recruitment of hackers
The Impact on Cyber Insurance
The insurance industry focuses on loss prevention and it is important therefore that they are alive to new and developing threats which can in the first instance be discovered on the dark web.
Stolen data can appear in the dark web which can include for example names , addresses, credit card and bank account details rails and medical records, these will be for sale from various sources.
An innovative step by CFC Underwriting Limited has been launched with RepKnight whereby they offer a dark web monitoring tool called BreachAltert for its policyholders that provides alerts in real time should their data become exposed on the dark web. This can be configured for e-mail domains server IP addresses, employee login credentials and lists of clients and employees. This will enable policyholders to be the first to know if their information has been leaked.
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