930-7700  •  TTY 808-329-8192  •  800-514-2328       JOIN TODAY! Log On|Contact Us|Locations|Holiday Schedule
 
print friendly

ResourcesWe offer a number of resources to help you and your family make sense of the financial world

SecurityShoring up security: Ways to enhance the financial security in your daily life.

Online Terms

Glossary of Online Terms

In addition to opening up new ways to communicate and conduct our daily lives,  being "online" also brings a whole new language to learn and understand. Below is a list of commonly used online terms and their definitions to assist you in your understanding of the online world.

Botnet
               a network of private computers, each of which is called a “bot”(short for “robot”) infected with malicious software
               (malware) and controlled as a group without the owners' knowledge for nefarious and, often, criminal purposes; 
               computers are typically infected when users open up an infected attachment or visit an infected  website. Infected  
               computers are also referred to as “zombies”.

Cloud computing
               a technology that uses the Internet and remote servers to maintain data and applications, allowing users to access
               applications without installation and access to their personal files from any computer with Internet access;             
               centralizes storage, memory, processing, and bandwidth; examples include Yahoo email or Gmail with the software 
               managed by the cloud service providers Yahoo and Google.

Denial of Service Attack/Distributed Denial of Service Attack (DDoS)—
               a type of online computer attack designed to deprive user or groups of users normally accessible online services;
               generally involves efforts by hackers to temporarily or indefinitely interrupt or suspend services of a host        
               connected to the Internet.

Encryption
               the conversion of digital information into a format unreadable to anyone except those possessing a “key” through
               which the encrypted information is converted back into its original form (decryption), making it readable again.

Firewall
               software or hardware that, after checking information coming into a computer from the Internet or an external
               network, either blocks the transmission or allows it to pass through, depending on the pre‐set firewall settings, 
               preventing access by hackers and malicious software  often offered through computer operating systems.

Geotagging
               the process of adding geographical location, or label, to photographs, videos, Web sites, SMS messages, QR
               Codes, or RSS feeds; a geotag usually consists of latitude and longitude coordinates, altitude, distance, place
               names, and other details about the origin of the media being tagged helping users find a variety of online location‐
               specific information.

HTTPS
                Hypertext Transfer Protocol Secure, provides secure communication over a network, such as the Internet; basically 
                layers additional security measures over HTTP; used by financial and online commerce websites to ensure the
                security of private information.

Keylogger
                also called keylogging and keystroke logging, is the action of tracking (or logging) the keys struck on a computer
                keyboard; usually runs hidden in the background and automatically records all keystrokes so that users are 
                unaware of its presence and that their actions are being monitored.

Malware
                short for malicious software, software that disrupts or damages a computer’s operation, gathers sensitive or private
                information, or gains access to private computer systems; may include botnets, viruses, worms, Trojans,
                keyloggers, spyware, adware, and rootkits.

Virus
                type of malware that has a reproductive capacity to transfer itself from one computer to another spreading infections
                between online devices.

Worm
                type of malware that replicates itself over and over within a computer.

Trojan
                type of malware that gives an unauthorized user access to a computer.

Spyware
                type of malware that quietly sends information about a user’s browsing and computing habits back to a server that
                gathers and saves data.

Adware
                type of malware that allows popup ads on a computer system, ultimately taking over a user’s Internet browsing.

     Rootkit
                a type of malware that opens a permanent “back door” into a computer system; once installed, a rootkit will allow
                more and more viruses to infect a computer as various hackers find the vulnerable computer exposed and attack.

Phishing
                sending emails that attempt to fraudulently acquire personal information, such as usernames, passwords, social
                security numbers, and credit card numbers, by masquerading as a trustworthy entity, such as a popular social 
                web site, financial site, or online payment processor; often directs users to enter details at a fake website whose l
                look and feel are almost identical to the legitimate one.

SMiShing
                An alternative form of phishing that occurs via text or SMS message.

Spam
               the use of electronic messaging systems to send unsolicited bulk messages (usually advertising or other irrelevant
               posts) to large lists of email addresses indiscriminately.

Spyware
                a type of malware (malicious software) installed on computers that collects information about users without their
                knowledge; can collect Internet surfing habits, user logins and passwords, bank or credit account information, 
                and other data entered into a computer; often difficult to remove, it can also change a computer’s configuration
                resulting in slow Internet connection speeds, a surge in pop‐up advertisements, and un‐authorized changes in 
                browser settings or functionality of other software.

Wi‐Fi
               a technology that allows an electronic device (personal computer, video game console, smartphone, tablet, digital
               audio player) to exchange data wirelessly (using radio waves) over a computer network.

Wi‐Fi Hotspot
               a wireless access point to the Internet or other computer network over a wireless local area network through the use
               of a router connected to a link to an Internet service provider; frequently found in coffee shops and 
               other public establishments, a hotspot usually offers Internet access within a range of about 65 feet (20 meters) 
               indoors and a greater range outdoors; many smartphones provide built‐in ability to establish a Wi‐Fi hotspot.