Transaction Information Research Articles

Tindak Pidana Pengancaman dan Pemerasan dalam Penanganan Kasus Pinjaman Online

Advancements in technology have simplified various daily activities. However, this progress has also been exploited by illegal online loan services (pinjol) offering loans to people with low financial literacy, making it difficult to distinguish between legal and illegal services. Technologically-based loan solutions, originally intended to meet the community's urgent and long-term needs, have now been misused. This development has led to many risks and has given rise to various criminal acts, including fraud, extortion, and threats related to information and technology. The purpose of this study is normative juridical, using secondary data with qualitative data analysis methods. In Criminal Decision Number 438/Pid.Sus/2020/PN Jkt Utr, there is an explanation regarding legal protection for online loan borrowers against extortion or threats by debt collectors through electronic media. The judge decided on the second alternative accusation in the name of the defendant, Dede Supardi Bin H.Supriadi, based on Article 45, paragraph (4) Jo. Article 27, paragraph (4) of the Law of the Republic of Indonesia No. 19 of 2016 is an amendment of Law No. 11 of 2008 on Information and Electronic Transactions and Law No. 8 of 1981 on Criminal Procedure Law. Criminal charges can be imposed on the debt collectors involved in this case.

Tindak Pidana Pembobolan Rekening Via Online Berkedok Link (Suatu Kajian terhadap Perundang-Undangan Informasi dan Transaksi Elektronik)

Along with the development of technology, the use of which is increasingly massive in society, especially the use of online systems in financial traffic through electronic transactions, has given rise to evil intentions from people who have expertise in the field of information and electronics. One of them is hacking online accounts by hackers using fraudulent mode under the guise of a link sent via short message to the target and if the link is accepted and opened by the target, the hacker will easily carry out the action of draining the account. Viewed from a normative aspect, the Republic of Indonesia has actually provided protection to the public by passing various laws, for example in the scope of information and electronic transactions through Law Number 19 of 2016, an amendment to Law Number 11 of 2008 concerning information and electronic transactions. which threatens anyone who has committed a criminal act of breaking into another person's account via an electronic system with imprisonment, but this threat is not enough to provide a deterrent to the perpetrators, even though on the other hand the victims of this crime experience quite large losses and cause anxiety in society which is quite high in the security of their accounts. So this is quite interesting to research, especially from the normative aspect of the legislation. This research uses a normative type of research with a legal approach, with this research it is hoped that it can provide a clear picture of the criminal sanctions threatened by perpetrators of online account hacking under the guise of links, and it is also hoped that it will further provide an understanding of the importance of legal protection. against the account holders of the actions of the perpetrators of this crime.

KAJIAN HUKUM DAN REGULASI TERKAIT SERANGAN HACKING PADA PLATFORM DIGITAL DI INDONESIA

Hacking is a technique carried out by someone (hacker, cracker, intruder, or attacker) to attack a system, network, and application by exploiting weaknesses with the intention of gaining access rights to data and systems. Currently, the development of Information and Communication Technology (ICT) is experiencing very rapid growth. The development of information technology, especially the internet, has provided many positive benefits for its users. However, the use of internet technology also has negative impacts that cannot be ignored. The increase in Cybercrime cases in Indonesia is also caused by the impact of advances in Information Technology. Based on this explanation, the aim of this research is to find out how to study law enforcement procedures for hacking victims on digital platforms and how to ensure that digital platform users are more regulated regarding cyber security. The research method used is a descriptive analytical method. The results and discussion in this research are that handling crime cases in the field of information and electronic transactions is a responsibility that has been established for investigators, especially cyber patrols, to investigate and uncover these crimes. The investigation process has a very important and strategic role in determining the success of criminal law enforcement. The quality of a good investigation greatly determines the possibility of success in the prosecution process and makes it easier to reveal material truths during the trial. In order to prevent cybercrime, it is important for individuals and governments to have a deep understanding of crime patterns in the digital realm as well as current and ongoing internet trends and behavior carried out by perpetrators of these crimes. Keywords : Hacking, cyber, digital platform

The Validity of Signing an Authentic Deed by a Notary Virtually in the Covid-19 Pandemic

The purpose of this writing is to find out the legal consequences carried out by Notaries who are signing the deeds virtually in the Covid-19 pandemic situation and to find out the urgency of changes that occur regarding authentic deeds that virtually will obtain certainty, benefit and legal protection not only for notaries but also for the community. The results of the research and analysis in this writing are that electronic signatures have actually been regulated in Indonesia in Law Number 19 of 2016 concerning Information and Electronic Transactions. It's just that virtual signing of deeds using electronics has not yet obtained a strong legal basis in Indonesia. Legal certainty also cannot be achieved because there are still conflicting provisions in Law Number 2 of 2014 concerning the Office of a Notary. During the Covid-19 pandemic, many professions were able to carry out their duties by utilizing electronics but notaries were excluded because there were no specific rules that clearly regulated it and there were various legal consequences which resulted in uncertainty, injustice and no legal protection for notaries. Therefore, changes to laws and regulations or legal products are needed in order to achieve legal synchronization and harmonization. The government needs to increase the role of the notary in accordance with the times and regulate the legal force and data authenticity as well as the power of electronic deeds in proof which have been an obstacle so far.

Analysis of Hate Speech in the Perspective of Changes to the Electronic Information and Transaction Law

This study aimed to assess the effectiveness of hate speech rules concerning changes in electronic transaction information policies. It further used normative legal study which included the process of identifying legal rules, principles, and doctrines to address the constitutional issues. The results showed that the amendments from the 2008 ITE Law to the 2016 ITE Law did not adequately the basic problems. Furthermore, certain forms of hate speech rules were observed in the ITE Law, particularly in Article 27 paragraph (3) and Article 28 paragraph (2). These rules were unclear benchmarks used in assessing social media posts as hate speech, defamation, or criticism and opinion from an individual about a problem. Therefore, making improvements through legal reform was essential to ITE Law, specifically Article 27 paragraph (3) and Article 28 paragraph (2). The amendments were necessary to develop good legal certainty for the community. The government should further make legal comparisons with other countries to identify the best regulatory framework for the community.

PERANCANGAN E - TRANSAKSI PEMBAYARAN INTERNET SERVICE PROVIDER PADA PT DIGITAL NETWORK ANTANUSA (DNA.NET) KOTA JAMBI

PT Digital Network Antanusa (DNA.Net) Jambi City is an internet service provider network service company in the city of Jambi. DNA.Net operates using cable and wireless network technology (wireless). DNA.Net is not a cellular or satellite service, but something new, much better and much faster to connect to the internet and provide to homes or companies. However, there are still problems with processing, paying and checking internet bills, therefore errors and files are often lost when processing payment transaction data. These include frequent errors in internet registration data information and lost documents, delays in transactions or transactions taking too long, and even making payment reports is still not neat. This method used is the UML (Unified Modeling Language) method which describes the system model including use cases, use case specifications, activities and class diagrams and the designs used by researchers are prototypes. Therefore, the researcher aims to analyze and design an internet service provider payment transaction information system so that a computerized payment system is more flexible and efficient so that problems at PT Digital Network Antanusa can be resolved so that the obstacles currently faced can be resolved and run very well. . The final result of the analysis and design produces a maturity system. This is done to make the system more effective and efficient and of course to make the bill payment process easier

ОСОБЛИВОСТІ ВИКОРИСТАННЯ ТЕХНОЛОГІЇ БЛОКЧЕЙН У СФЕРІ УПРАВЛІННЯ ІНТЕЛЕКТУАЛЬНОЮ ВЛАСНІСТЮ

The article discusses the current view on the use of blockchain technology in the field of intellectual property management. Today, blockchain is actively used in various business areas, mainly to improve business processes and reduce costs. The main advantages of blockchain are related to the elimination of intermediaries, data reliability, trust and transparency. Storing transaction information without the need for third-party involvement allows transactions to be completed faster and at lower costs. In today's intellectual property system, licensing, identification of the right holder, investigation of intellectual property rights infringements, and other actions related to the management of intellectual property rights are mostly performed by third parties. Blockchain eliminates the need for such intermediaries, which reduces the cost of managing intellectual property rights. In addition to all of the above, there are a number of potential problems associated with the technical specifics of the blockchain: immutability of the entered data; blockchain is the subject of controversy due to high energy consumption associated with "mining"; most of the existing publicly available consensus mechanisms in blockchain systems rely on the presence of cryptocurrency in the system, which makes it difficult to develop applications not related to the concept of cryptocurrency; the lack of cryptocurrency-independent consensus mechanisms for public blockchains makes it difficult to separate them from "digital coins". There are also problems with using blockchain that are not specific to the intellectual property sector: the speed of processing blockchain transactions is significantly slower than traditional transaction platforms such as VISA or PayPal); lack of proper regulatory support in the blockchain sector; lack of planning for legal requirements on early blockchain platforms.

Kebijakan Penegakan Hukum Pidana dalam Penanggulangan Perjudian Online Ditinjau dari Undang–Undang Republik Indonesia No.19 Tahun 2016 tentang Informasi dan Transaksi Elektronik

This journal is titled Criminal Law Enforcement Policies in Combating Online Gambling Reviewed from the Republic of Indonesia Law Number 19 of 2016 concerning Information and Electronic Transactions. The rapid technological advancements today provide a great opportunity for criminals to commit crimes. Online gambling offenses have now entered the Internet world, known as online gambling. To reduce the level of criminality in online gambling, it is necessary to understand the law enforcement policies in combating online gambling offenses and the obstacles law enforcement face in addressing these crimes. This journal uses a descriptive normative legal research method, which aims to describe rather than test hypotheses. There are two approaches to combating online gambling: preventive measures involve providing warnings and monitoring the online world using the Internet, while the second approach, repressive measures, involve capturing, processing, taking to court, and imposing criminal sanctions in accordance with Article 45 paragraph (2) of the ITE Law, Article 303, and Article 303 bis of the Criminal Code. Based on the research findings, the author suggests: 1. The need to enhance law enforcement capabilities by upgrading IT-based technological knowledge. 2. Law enforcement officials are encouraged to be more proactive in combating online gambling offenses. In the case of online gambling, authorities can potentially block online gambling sites on a large scale, which would help minimize existing issues.

Research on Blockchain Transaction Privacy Protection Methods Based on Deep Learning

To address the challenge of balancing privacy protection with regulatory oversight in blockchain transactions, we propose a regulatable privacy protection scheme for blockchain transactions. Our scheme utilizes probabilistic public-key encryption to obscure the true identities of blockchain transaction participants. By integrating commitment schemes and zero-knowledge proof techniques with deep learning graph neural network technology, it provides privacy protection and regulatory analysis of blockchain transaction data. This approach not only prevents the leakage of sensitive transaction information, but also achieves regulatory capabilities at both macro and micro levels, ensuring the verification of the legality of transactions. By adopting an identity-based encryption system, regulatory bodies can conduct personalized supervision of blockchain transactions without storing users’ actual identities and key data, significantly reducing storage computation and key management burdens. Our scheme is independent of any particular consensus mechanism and can be applied to current blockchain technologies. Simulation experiments and complexity analysis demonstrate the practicality of the scheme.

Application of deep learning algorithms in predicting the exchange rate of Chinese yuan against the US dollar

This paper mainly studies the feasibility of using deep learning algorithms to predict the exchange rate between the Chinese yuan and the US dollar. Firstly, this study chooses the Long Short Term Memory Network (LSTM) as the main algorithm, which is a deep learning model suitable for processing time series data. Then, the study collects a large amount of data, including historical exchange rate data, macroeconomic indicators, and political events that may affect exchange rates. These data provide sufficient information for the model to learn and predict exchange rate fluctuations. The study found that the deep learning model can accurately predict the volatility of the RMB US dollar exchange rate by contrasting the calculated results of the pattern with effective exchange rate record, and its predicted results have high stability. Deep learning has great potential in the field of exchange rate forecasting, providing more accurate predictive information for financial transactions.

Carding Crime in Makassar City: Juridical Review As an Issues of Cybercrime

This study analyzes the juridical review of carding crime in Makassar City as part of cybercrime. The purpose of this study is to provide scientific benefits in the field of legal studies as well as provide practical and academic input for authors and interested parties to understand the criminal law arrangements against carding crimes and countermeasures. The research method used is the method of normative juridical literature, referring to legal norms in legislation, literature, expert opinions, and papers. The results showed that the laws that are the focus of the study are Law No. 19 of 2016 on amendments to Law No. 11 of 2008 on information and electronic transactions, as well as the Criminal Code (KUHP).

Application of Criminal Offenders Misuse of National Identification Numbers for Phone Card Registration in Makassar City

The research aims to investigate the protection of privacy rights for SIM card users under the registration system and identify obstacles faced by individuals misusing others' National Identification Numbers (NIK) without consent. This study employs a combination of normative legal research and empirical legal research, focusing on telecommunications businesses in Makassar City, South Sulawesi Province. Data collection involves primary and secondary sources. The findings indicate that despite the absence of specific laws on starter pack registration, Indonesian citizens are protected by constitutional, administrative, ITE (Information and Electronic Transactions), and personal data protection laws. However, obstacles exist in enforcing criminal offenses related to NIK misuse, including outlet registration by actors lacking buyer identities due to fierce competition and public preference for instant solutions without considering the consequences of using others' NIK for SIM card registration.

Implementation of SKB Number 229 of 2021, Number 154 of 2021, Number KB/2/VI/2021 against ITE Delik Article 27 Paragraph (3) of Law Number 11 of 2008

Defamation through social media is regulated in Article 27 Paragraph (3) of Law Number 11 of 2008 concerning Electronic Information and Transactions as amended by Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Electronic Information and Transactions. In fact, the article seems to be a rubber article because it can easily be applied, especially to events that actually fall within the scope of ordinary disputes between individuals through social media or limited to reality stories that then make personal offenses that are considered an attack on honor / good name. This then became a polemic in itself in the community because of the application of articles that are multiinterpretive without paying attention to the scope of events. The problem examined in this study is how the criminal provisions according to Article 27 (3) of the ITE Law and the limitations of the application of article 27 paragraph (3) of the ITE Law. As a form of problem solving for the polemic that continues to occur, on June 23, 2021, the government issued a Joint Decree of Criteria Guidelines. Implementation of the Law on Information and Electronic Transactions (SKB UU ITE). This decree was signed by the Minister of Communication and Information, the Attorney General and the Chief of the National Police of the Republic of Indonesia, which is expected to be a law enforcement guideline so that there is no multiinterpretation of the implementation of the ITE Law which previously became a rubber article.

Cyber-Sabotage from The Perspective of Information and Electronic Transactions Regulation

Most cyber criminals on the internet will be ensnared by Law Number 11 of 2008 concerning Electronic Information and Transactions. The law should offer protection to internet users with good intentions, and provide strict action for cybercrime, especially cyber sabotage actors who disrupt electronic systems and even cause electronic systems to not work properly. Similarly, in Article 5, namely obtaining evidence, there are many obstacles, especially against perpetrators of crimes in Article 33 of Law Number 11 of 2008. Based on the results of the study, it can be concluded that in addition to creating good laws, it also builds the skills of law enforcers to especially find evidence of cybercrime (cybercrime) which is not easy because the crime is in cyberspace by sabotaging the electronic system. In addition, the perpetrators of crimes also hide their identity and the actions they take in cyberspace which is a form of protection.

Encryption of Card Details Using AES with a 128-bit Key a Secure Approach to Data Protection

Data security is a critical concern in today's digital age, particularly regarding the protection of sensitive information such as cardholder data. This research paper explores the implementation of Advanced Encryption Standard (AES) encryption with a 128-bit key as a means of safeguarding card details. The project demonstrates the encryption and decryption process, ensuring data confidentiality and integrity. Utilizing the pycryptodome library in Python, the AES encryption technique is applied to encrypt card details, offering a secure approach to data protection. The methodology section outlines the AES encryption process, emphasizing key generation, encryption, and decryption. A detailed explanation of the Python implementation highlights the importance of key length and randomness in the encryption process. The results section presents the outcomes of encrypting and decrypting card details using AES encryption, analyzing the efficiency and security of the encryption process. Additionally, potential vulnerabilities and challenges encountered during implementation are discussed, along with their resolutions. In the discussion section, the research findings are interpreted in the context of data security and encryption standards. A comparison between AES encryption and other encryption algorithms is provided, evaluating performance and security aspects. Consideration is given to future research directions in the field of data encryption and security. Overall, this research paper underscores the significance of AES encryption with a 128-bit key for protecting cardholder information. By implementing AES encryption, organizations can enhance data security measures, ensuring the confidentiality and integrity of sensitive data in digital transactions. This abstract provides a concise overview of the research paper, summarizing the objectives, methodology, results, and implications of implementing AES encryption for card data protection. It highlights the importance of data security and encryption techniques in safeguarding sensitive information in digital transactions. Tokenizing cards enhances security, ensures regulatory compliance, boosts customer trust, and streamlines payment processes while reducing liability for organizations. Future developments may involve tokenizing cards even without customer consent. Keywords: Tokenization, Payment systems, Encryption, Fraud prevention

A Novel Money Laundering Prediction Model Based on a Dynamic Graph Convolutional Neural Network and Long Short-Term Memory

Money laundering is an illicit activity that seeks to conceal the nature and origins of criminal proceeds, posing a substantial threat to the national economy, the political order, and social stability. To scientifically and reasonably predict money laundering risks, this paper focuses on the “layering” stage of the money laundering process in the field of supervised learning for money laundering fraud prediction. A money laundering and fraud prediction model based on deep learning, referred to as MDGC-LSTM, is proposed. The model combines the use of a dynamic graph convolutional network (MDGC) and a long short-term memory (LSTM) network to efficiently identify illegal money laundering activities within financial transactions. MDGC-LSTM constructs dynamic graph snapshots with symmetrical spatiotemporal structures based on transaction information, representing transaction nodes and currency flows as graph nodes and edges, respectively, and effectively captures the relationships between temporal and spatial structures, thus achieving the dynamic prediction of fraudulent transactions. The experimental results demonstrate that compared with traditional algorithms and other deep learning models, MDGC-LSTM achieves significant advantages in comprehensive spatiotemporal feature modeling. Specifically, based on the Elliptic dataset, MDGC-LSTM improves the Macro-F1 score by 0.25 compared to that of the anti-money laundering fraud prediction model currently considered optimal.

Combination of AES (Advanced Encryption Standard) and SHA256 Algorithms for Data Security in Bill Payment Applications

In the era of information technology development, digital payments and e-payments are becoming a dominant trend, supported by the crucial role of payment gateways such as Midtrans. Midtrans uses APIs to facilitate various online transactions, including debit cards. In this research, two cryptographic algorithms will be combined, namely Advance Encryption Standard (AES) with 256 bits and Secure Hash Algorithm (SHA) with 256 bits. The importance of data security in e-payments is recognized, with the application of cryptographic algorithms to protect sensitive transaction information. Yayasan Antero Prosesi Edukasi (YAPE) as an educational marketing consultant faced the challenge of time-consuming and inefficient manual payments. In an effort towards efficiency and security, YAPE plans to develop an online payment application with Midtrans Payment Gateway and the use of AES-256 and SHA-256 cryptographic algorithms. This step is expected to help the foundation keep up with technological developments, provide ease of payment, and achieve computerized efficiency. The results showed that the use of a combination of AES 256 bit and SHA256 encryption significantly increased security, making hacking attempts ineffective because encrypted data could not be accessed, with quite complicated calculation stages.

Continuous auction mechanism model for safety electric energy market transaction

With the rapid development of microgrid in the electric power industry, the microgrid electric energy transaction has begun to be marketized, and the research on the microgrid electric energy trusted transaction has important theoretical research value and social value. The existing blockchain-based microgrid electric energy trusted transaction models mostly focus on energy management and scheduling control between microgrids when conducting electric energy transactions, and do not fully consider the bidding problems in the market-based transaction of microgrid electric energy, resulting in trading strategies are difficult to adapt to new market changes. In response to this problem, this paper proposes a reliable transaction approach for microgrid electric energy based on a continuous two-way auction mechanism. The proposed strategy accounts for the volatility of electricity prices in the microgrid trading market and employs the continuous two-way auction mechanism to evaluate the microgrid electricity trading tactics. In the microgrid electric energy transaction, the self-adaptive learning theory is applied to adjust the quotations of both parties, so that both parties can make reasonable quotations according to the market environment. By simulating experimental data, the findings indicate that the continuous two-way auction mechanism transaction strategy enables both parties to modify their quotations based on market transaction information, thereby displaying a high degree of flexibility in microgrid electricity’s market-oriented trading.

PEMIDANAAN TERHADAP PELAKU TINDAK PIDANA PEMALSUAN KARTU KREDIT (STUDI PUTUSAN No.345/PID.SUS/2021/PNY-YK)

The crime of credit card forgery committed by Faisal Umar Firmansyah Bin Farid Firmansyah, namely the act of buying another person's CC (Credit Card) without the knowledge of the owner at a price of IDR 80,000 per credit card and purchasing 9 (nine) cellphones by checking whether registered in the KLARNA application and if registered and have a balance then the purchase will continue and if there is no balance in the KLARNA application then fill it in advance for every $1000 USA at a price of IDR 3,000,000 to IDR 5,000,000 .Research with Decision Study No.345/Pid.sus/2021/Pn.Yyk. and there is a formulation of the problem: 1. Is the court's decision against the convict's actions Credit Card Counterfeiting according to Ps. 32 paragraph (1) jo. Ps 48 paragraph (1) Law no. 19 of 2016 concerning Amendments to Law no. 11 of 2008 concerning Electronic Information and Transactions? This study uses a normative research type that is descriptive analytical, using literature or secondary data which consists of primary legal materials and secondary legal materials obtained from literature studies and analyzed qualitatively using deductive logic, as well as drawing conclusions. The conclusions from this study are that 1. The Court's decision given to the Defendant of the Crime of Credit Card Counterfeiting is not appropriate based on Article 32 paragraph (1) jo. Ps 48 paragraph (1) Law no. 19 of 2016 concerning Amendments to Law no. 11 of 2008 concerning Information and Electronic Transactions, and 2. Judge's Decision No. 345/Pid.Sus/2021/PN Yyk which imposes a criminal sanction of 6 (six) months in prison is not in accordance with the purpose of sentencing.

Law Enforcement Effectiveness on Copyright Piracy: Case of Indonesia

Piracy, which is still a phenomenon in society, has even grown so rapidly that it has become a trend to produce and enjoy your own pirated films. learn how Indonesian law addresses cyber piracy of national films and how national film copyright protection works. The research method used in this article is doctrinal legal research. The legal rules used to reduce copyright piracy are in the form of the Copyright Law, Information and Electronic Transactions Law, Regulations of the Ministry of Law and Human Rights, and Regulations of the Minister of Communication and Information which are repressive, namely civil, administrative and criminal as well as preventive in nature. Law enforcement in Indonesia is still not effective because the level of public awareness and legal compliance is still not optimal, which is the main factor in the success of legal regulations.