Ying Sai has been a finance professor at Loyola Marymount University since 2002 where she is an expert in internet security research direction and E-commerce. She previously worked in web design and website database development, online advertising, tax reporting, and computer graphic and image processing. Some of her career achievements include the design of a novel fund-item exchange mechanism called “Transparent Safe” for online auction which significantly reduces the chance of auction fraud in the settlement process, and it is free from human intervention; the introduction of an online user verification protocol called “I-Ticket Booth,” which provides online auctions with two levels of protection and improves the security of online auction in many aspects, including user registration, reputation rating systems, fraud prevention, and secured settlement process; and introduced the “singing lottery ticket” incentive scheme for pricing digital products and services which compares most pricing mechanisms of knowledge intensive, content based online products and services.