Information Technology Act 2000 | IBPS PO Prelims & Mains Preparation - Bank Exams PDF Download

Introduction

Information Technology Act 2000 is an enacted to the whole of India. The Act has been drawn from the Model Law on Electronic Commerce adopted in 1996 by UN Commission on International Trade Law (UNCITRAL). The Information Technology Act is also called as Cyber Law.

Major Provisions of Act

The act has been grouped under various provisions which are as follows:

1. Electronic Records or Contracts 
   • The provision electronic records help to maintain the records in an electronic form rather than the traditional method of paper based and oral testimony.
2. Electronic Form
   • It means information generated sent, received or stored in media, magnetic, optical, computer memory, micro film.
3. Digital Signature
   • It is defined as “authentication of an electronic record by a subscriber by means of an electronic method or procedure, in accordance with the provisions of Act”.
   • It means that any information which has to be affixed by a signature is linked to the digital form so their authentication can be verified.
4. Submission Of Information 
   • Customers can submit their record their information to banks in digital form so that they can open an account or for other transactions.
5. Payment Charges Through Electronic Means
   • Banks can make payment or receive payments or other charges by way of electronic means.
6. Publication of Rules in Electronic Form
   • Rules, regulations, orders, bye-laws or notifications can be issued or published in electronic form.
7. Issue of Digital Certificate
   • When a person wants a digital certificate, it makes an application to a Certifying Authority (CA) for issue of the certificate.
8. Retention of Electronic Records
   • The requirement of any law prescribing retention of records for a particular period, shall considered to be met, when the records are kept in electronic form.

Computer Crimes or Cyber Crimes

• A person is said to have committed a cyber crime when,
• He secures access to a computer system
• Where he downloads or copies data base or information from computer system
• He introduces virus into a computer system
• He damages computer system
• He disrupts a computer system
• He causes denial to a computer system to any authorized person
• Where a person discloses electronic records which are kept
• Charges for tampering with or manipulating any computer system