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arXiv 1107.4785cs.CR
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一种新型的网络安全保险

A Novel Cyber-Insurance for Internet Security

Ranjan Pal, Leana Golubchik, Konstantinos Psounis

摘要:

个人和组织等互联网用户受到蠕虫、病毒和僵尸网络等不同类型的流行病风险的影响。为了降低风险的可能性,互联网用户通常投资于自我防御机制,如防病毒和反垃圾邮件软件。然而,这种软件并不能完全消除风险。最近的工作已经考虑了通过提出网络保险的想法来消除剩余风险的问题。实际上,互联网用户面临由于安全攻击的风险以及由于非安全相关故障(例如,硬件崩溃、缓冲区溢出等形式的可靠性故障).这些风险类型通常是无法区分的一个天真的用户。然而,网络保险机构很可能只为安全攻击带来的风险提供保险。在这种情况下,对于互联网用户来说,选择正确类型的网络保险合同作为标准最优合同,即,仅在安全攻击下的合同,可能证明对他自己来说是次优的。在本文中,我们解决的问题,分析网络保险解决方案时,用户面临的风险,由于这两个,安全以及非安全相关的故障。我们提出了\emph{Aegis},一种新的网络保险模型,在该模型中,用户接受自己的损失恢复的一小部分\emph{(strictly positive)},并将损失恢复的其余部分转移到网络保险机构。我们从数学上表明,在所有保费类型下,互联网用户都更喜欢Aegis合同而不是传统的网络保险合同。这一结果坚定地证明,当向用户提供Aegis合同时,传统的网络保险市场不存在。

英文摘要:

Internet users such as individuals and organizations are subject to different types of epidemic risks such as worms, viruses, and botnets. To reduce the probability of risk, an Internet user generally invests in self-defense mechanisms like antivirus and antispam software. However, such software does not completely eliminate risk. Recent works have considered the problem of residual risk elimination by proposing the idea of cyber-insurance. In reality, an Internet user faces risks due to security attacks as well as risks due to non-security related failures (e.g., reliability faults in the form of hardware crash, buffer overflow, etc.) . These risk types are often indistinguishable by a naive user. However, a cyber-insurance agency would most likely insure risks only due to security attacks. In this case, it becomes a challenge for an Internet user to choose the right type of cyber-insurance contract as standard optimal contracts, i.e., contracts under security attacks only, might prove to be sub-optimal for himself. In this paper, we address the problem of analyzing cyber-insurance solutions when a user faces risks due to both, security as well as non-security related failures. We propose \emph{Aegis}, a novel cyber-insurance model in which the user accepts a fraction \emph{(strictly positive)} of loss recovery on himself and transfers rest of the loss recovery on the cyber-insurance agency. We mathematically show that given an option, Internet users would prefer Aegis contracts to traditional cyber-insurance contracts, under all premium types. This result firmly establishes the non-existence of traditional cyber-insurance markets when Aegis contracts are offered to users.

机构、总结、中文摘要均由AI分析而来,可能存在错误,请以论文正文为准。

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