It’s Cyber Monday, Y'all!

Cyber Monday credit card security

It’s Cyber Monday, Y'all! Do you know where your credit card is? Of course, you do. It’s in your wallet, or purse, or poised on your keyboard, ready to be put into service. I should have asked do you know where your credit card number is? 

In 2017, according to the National Retail Federation, 81 million people in the U.S. shopped online on Cyber Monday.  About 15 million more than on Black Friday. The only way to snatch up on those cyber deals is to pay with a credit card. And pay we did. Business Insider reported that we spent six and a half billion dollars in 2017. Over $1.5 billion than on Black Friday that same year.

We’ve become trained to look for https or the little padlock to indicate we are dealing with a secure site. And that is true for the transaction. E-commerce is mostly protected by encrypted communications. The security issue here is saving your personal and financial data on the company’s website. Creditcards.com posted a story in 2017 in which they conducted a poll of credit card users. The poll found that 94 million Americans store their card information online

There may be encryption for the transaction but when you store your data you’re giving the site all the information a cyber thief needs. That data sits in a database on the company’s servers for who knows how long. See a previous post on this blog about Cleaning Up Your Online Presence. 

Storing your card information makes it much easier to check out but also exposes your data to hacking. Think about all the stories in the news this year alone about companies getting hacked. And if not directly then through third party vendors. It’s so common that we almost stop paying attention to the reports. If we do feel we’ve been affected, we change our password and move on. It’s become so a part of our lives we’ve become complacent about e-commerce and our privacy.

Tips

·     You have to use plastic to shop online. When you do use credit instead of debit. 

·     Best not to store your information, especially if it’s a little used site or one-time purchase. Type your card in each time. Don’t create accounts. Check out as a guest.

·     Research with whom you’re shopping. The bigger the company the better, to some extent. As opposed to smaller businesses that have less traffic and do not have the resources to support update to date and effective security. 

·     Considering having a card you use specifically for online shopping with a low limit

·     Monitor your accounts. Especially after a shopping spree or big shopping day like Cyber Monday.

Not trying to be Chicken Little. Just trying to remind people to take a beat and check their online shopping practices. Coming back from identity theft or online fraud is not an easy path.

Even though it’s not credit card related here’s another tip that could help protect your card. If you‘re shopping Amazon or looking at reviews on Yelp or TripAdvisor, run the link to the product through a review analytics site like Fakespot. 

The results will give you an idea about how reliable the seller is and if it a reliable company. If using Fakespot, after you find a product on Amazon copy the link from the search bar and past into Fakespot. The results will be a grade regarding the site and advisement on whether you should proceed or not.

Please feel free to share. Visit the blog archive for more posts about Privacy. https://mazzellainvestigations.blogspot.com/search/label/privacy

How secure are apps?

Every business is pushing their mobile apps. Some are highly interactive, giving access to secure accounts. Others are merely informational almost static platforms. Everyday we become more and more dependent on our phones. The Pew Research Center estimates that 77% of Americans have a Smartphone. A conglomerate of different studies from 2017 reported that Americans average five (5) hours a day using mobile devices and of that time 90% is spent using apps. Now when you allow that everything on your phone is an app of some sort it kind of diminishes the 90%, but the point being is that we are on are phones a lot.

Why have an app?

Phones are now like appendages. We are rarely without them. This is a big reason why companies push apps. That and because the phones create a focal point for data collection. Most apps require some sort of registration. That provides a modicum of security but it is mostly for data collection. Location services on smart phones allow app users to be tracked and pinpointed where they are using the app. This let’s the business collect, not only, your personal information but how, why and where you’re using the app, and what you are buying. All of this data is used to target advertising and reshape sales.

Since 2014 mobile Internet use has been more common on mobile devices than desktops. You can accomplish so much on your phone now you probably could go days without turning on a laptop or desktop. Apple has a cute commercial where the camera follows a girl throughout her day using her iPad.

A neighbor asks her what she is doing on her computer. She answers, “What’s a computer?”

The procession to apps began with the advent of online access to accounts and shopping. To encourage electronic account access, some companies even threatened higher fees for receiving paper documents through the mail. Then everything moved to our phones. Businesses lure customers into their apps with rewards or deals for using them. Some put more effort into their apps than their websites.

Secure?

How secure are all these apps we’re either using voluntarily or “forced” to use by companies? The transmission of data between the users phone and the app servers usually has end-to-end encryption. Meaning the data being sent and received is encrypted. The problems arise from the users lack of security awareness and hacks into the apps servers.

A high percentage of our phone use is in public. If you’re concerned about data usage you’re always looking for a WiFi signal. Logging into public WiFi is one of the most unsecure actions a Smartphone user can do. If you don’t inadvertently log into a hackers signal then you’re sending a signal that your phone is publically available. Once a hacker zeros in on your phone they can intercept your transmissions to and from the apps you are using. Intercepting the phone’s connection to the router is commonly known as “man in the middle”. While that is still a popular hack it is time consuming and much more work than going after the bigger treasure. Company servers.

Why is it important to frequently change passwords? And not use the same passwords or login/password pair for more than one account? More sophisticated cyber criminals know where the money is. It’s in the servers of big companies. If not the financial records then the personal data. Recently, Under Armour announced that their app had been breached. They assured users that no financial data had been accessed only user names and emails. While that may give some a sigh of relief there’s still a problem. Hackers will sell those users names, emails, and passwords on the dark web. They’re valuable because many users will use the same login information across many accounts. Hackers can use the data gleaned from one breach to access your other accounts.

Using apps are as safe as the host makes their server data and how you use the app. Most of the security issues are out of your hands. If you are not compromised in public more than likely the company’s servers or app itself will be hacked, exposing your data. All you can do is be as safe and aware as possible on your end. Monitor accounts and change passwords frequently.

Please feel free to share. Check the archives for other posts about privacy and online security.

One born every minute February 2018

Are you being watched? February 2018

Time expired on parking meters November 2017

Cleaning up your online presence September 2018

Public WiFi for dummies July 2017

Keys to the vault August 2015

There’s been a breach February 2015

One born every minute

You are security conscious and know all the Internet do and don’ts, but sometime it is going to happen. You’re going to fall for click bait, open an infected email attachment, or fall for a social media hoax. You’re not dumb. You’re not gullible. You’re not alone. People of all ages, backgrounds, and intelligence will fall for social media hoaxes. Including this writer.

As with any scam, whether it is a criminal affair or a joke, the perpetrators play on our human nature and how we react to stimuli. Must notably anything that threatens our family or personally well being. Fear. As with any con, the perpetrator uses broad, widely known information, with some truth sprinkled in for good measure. Sometimes, as the case with privacy issues, will use functions of the app to make it believable. Instructing the victim to perform a function within the app that produces a result. When the result happens, it further validates the hoax.

The ones that get you are intelligently written in a generic style or tone that could be from any close friend or relative that you would normally trust. They either forward the item to you, or worse, endorse it with a message that reads something like, “Tried it. It works!” or “This is true”. Most people don’t do research. If so and so posted it must be true, and we quickly click ‘share’. After fourteen years, Facebook is still having trust issues with its users. Anything that hints at a privacy scandal runs wild and users react.

Hoaxes, just like malware, circulate, mutate, and resurface, sometimes years after being launched. The one that got me was the ‘Following me’ security check on Facebook. [Spoiler alert-It’s a hoax] You receive a message from someone you trust that reads like the photo heading of this blog post. And trust me, it will read like the above photo because the original language just keeps getting forwarded. Following the steps outlined in the post you’ll find these unknown people “following” you on Facebook. You quickly go to the next step and start deleting all of these unwanted followers. How dare they intrude onto my highly secure and private Facebook page! The nerve.

After testing the theory and seeing that it does indeed reveal hidden followers, you forward the message on with your own endorsement. Because it does work, it must be true. You have to alert all of your friends. I didn’t go that far. But it did give me an idea for a blog post. A couple minutes of research had me SMH. Got me!

Snopes.com addressed this very hoax in a January 2017 article that was updated in September 2017.(Are Facebook users secretlyfollowing you?) Snopes traced the origin to a rumor post being circulated that Facebook security teams were paid to follow individual accounts. The post read similar to the one pictured except the user was instructed to enter ‘Facebook security’ in the block users search box. While this did return a list of people, it was determined to be people who had used ‘Facebook security’ in their profiles. In September 2017, the hoax took on the form we have pictured. However, now following the instructions returns a list of people that have “me” in their profiles.

In fact, the search box reads

So the hoaxers set you up with instructions that return what they want, a list of people you’ve never heard of, which gives validity to the hoax. Which gets it forwarded. And on and on and on it goes.

Please feel free to share. See the blog archive for more posts about privacy.
Are you being watched? February 2018

Time Expired on parking meters November 2017

Cleaning up online presence September 2017

Skimmers August 2017

Public WiFi for dummies July 2017

If you ever want to see your files again… August 2016

What did you say? August 2015

Keys to the vault August 2015

Are you being watched?

Do you feel safe in your home? Your exterior is probably pretty well defended against intruders with metal doors and deadbolts, locking windows, and maybe an alarm system. How about intruders from within?  “…The call is coming from inside the house”, an oft repeated quote from the 1979 movie, When a Stranger Calls, can still make your skin crawl when you’re all alone, think you heard a noise, and then the phone rings. Just the thought of an intruder with you in your home can be terrifying. There may not be physical intruders inside your home at this moment, but someone may be listening or quite possibly watching.

Internet of things

Kevin Ashton of Procter & Gamble first coined “Internet of things” in 1999. It is defined as network of devices, appliances, vehicles, etc. that connect and exchange data through the Internet. It is estimated the Internet of things will be populated with 30 billion devices by 2020.

Technology has always invaded our homes as we excitedly open the boxes to the latest modern conveniences. In the early days of the 1900’s telephones began appearing in homes. The 1950’s saw televisions showing up in living rooms. People started bringing home desktop computers in the 1980’s. Those computers were connected to the Internet in the 1990’s.  Phones went on our belts and into our pockets in the 2000’s and then became handheld computers. The first Internet connected appliance was a LG refrigerator released in 2000. According to Statista.com, there were nearly 36 million smart home devices sold in the U.S. in 2017. Over 40 million smart TV’s were sold in the U.S. in 2016 and 244 million worldwide.

Privacy

The remote accessibility of household devices creates new security issues everyday. As appliances get “smarter” their vulnerability also increases. Smart devices only work to their full capability if they are connected to the Internet. Once that occurs they are searchable and hackable. When the device reaches out to the web it declares itself open for business. Hackers are always looking for unsecure networks and devices to exploit. If not for gain then just because then can.

We first heard about these types of intrusions in 2015 two years after consumers starting bringing home smart TV’s.  Samsung released TV’s in 2013 that could listen to voice commands from their owners. The problem? The TV has to be listening all the time to pick up the commands. What was “heard” was being transmitted via the Internet. Samsung warned consumers, through privacy policies, that spoken words are being captured and transmitted through the voice recognition system. Consumers were further warned not to hold personal conversations in front of the television. But who read or reads the privacy policies, right?

Another popular device entering our homes are web accessible cameras. We set these up to watch the nanny, housekeeper, or house in general. There are even petcams available that not only allow owners to watch their pets but speak to them and deliver treats remotely. The first cameras imbedded in teddy bears, sold as a “nanny cams”, began appearing on the market in 1992. The first cameras to transmit remotely via IP were sold by Axis Communications in 1996. Today, the market is flooded with cameras and phone apps that allow web transmission of live video. It’s fun to watch Mr. Snugglekins romp around the house. But if you can access your webcam remotely, so can someone else.

Hacking

The device most people have heard stories about and are aware is the camera on your computer. Yes, they can be used against you. Unlike the movies, your home computer usually has to be “infected” with malware that you allowed in my clicking on a link or visiting a sketchy website. As with all of your devices, locally, you have to let someone in for them to be monitored. Not to say that you and your devices could not be specifically targeted and intruded. With the effort it could be done. Hackers and, yes, governments have the capability to access the television microphones, computer and remote cameras, turning them on and off and recording at will. However, most likely you’ve been the victim of malware.

The privacy and security issue with smart appliances is the collection and transmission of data. First, your viewing habits, conversations, actions are being collected. Second, the data is being transmitted to the Internet and held on third party servers. All of which can be hacked. So no matter the security measures you take at home, your personal data is vulnerable once it hits the WWW.

The thing is, you allow them into your home with the purchase, unpacking, and setup to connect to your network. Data transmissions you are unaware of because you have most likely allowed the device to set itself up per the manufacturer’s settings. Any warning or setup recommendations were clicked through and unread. Admit it. You’ve done it. Who reads the privacy settings on a new device? Or whenever you allow an update? That’s what the manufacturers are counting on. The key word in the previous paragraph is “allow”. You’re inviting the snooping by purchasing the device, bringing it into your home, and allowing self setup.

Your appliances aren’t the only ones listening. There’s been conspiracies floated the last couple of years that Facebook is listening to your conversations to better target ads. While feasible it is unlikely and has been debunked by several sources. Facebook may not be overhearing conversations but they, as is Google, “listening” by recording your search habits and even communications in messaging and emails apps to better address advertising. Netflix was recently caught by tweeting about the number of times a few viewers had watched one of its programs, trying to be funny. Netflix admitted that it did track viewing habits of subscribers.

Security

When you invite smart appliances into your home you give up your privacy. You have to consider these devices as other persons and guard your privacy accordingly. Take the time to read the manufacturer privacy policies. Read the manual setup instructions and adjust the device settings accordingly. Block cameras in sensitive areas or turn them towards the wall when you’re home.

This reads like an Orwellian or tinfoil hat conspiracy. It wasn’t meant to be or to keep you from enjoying the conveniences of technology. Just be aware of the surroundings you’ve created. Any smart device has to be considered to be listening or watching. Alexa, Siri, Google, they all have to be listening all the time to be able to pick up your commands.

Please feel free to share. Read other posts about security in the blog archive.

Time Expired on parking meters November 2017

Cleaning up online presence September 2017

Skimmers August 2017

Public WiFi for dummies July 2017

If you ever want to see your files again… August 2016

What did you say? August 2015

Keys to the vault August 2015

Cleaning Up Your Online Presence

Ever been asked at checkout for your phone number? You haven’t been in the store for a long time, if ever by your recollection, but the clerk wants to know if you’re in the system. You provide a phone number and surprise surprise you are in there! Phone number, name, and address. It’s probably not a retail conspiracy to create a super database of shared data. What it does reveal is how our lives and personal data are intertwined within the world of information.

When information was written on paper there was less of it and it was more fragile. Tear it up, burn it, poof it’s gone. Carbon paper, mimeographs, and copy machines (Younger readers will have to look those up) changed that. Documents were being copied and filed in triplicate. Computers, of course, made it all easier but it wasn’t until the ol’ World Wide Web came along that hiding in plain sight became difficult.

In the old days it was easy to disappear. You simply moved to another town. Started using a new name and slowly built your new persona. As technology progressed information began being stored on computers. Those computers could be accessed for information stored about you, but only for the specific information the entity had stored. Once computers became connected one entity could access another’s information. Then they began sharing information between each other and saving the data locally. The more digitally involved you are the bigger your online presence. As young people enter adulthood they have little to no digital footprint in the context of financial databases. What they do have is a social footprint, more on that later.

Google yourself

Have you ever searched your name? If not, give it a try. You might be surprised what pops up or how many of you are out there. The more you are in the public eye the more information that is going to be out there and, thus, the harder to clean up your online presence. A regular Joe should have limited occurrences as the result of a search. But even regular Joe’s can have an online presence depending on their interaction with social sites and images associated to their name. And that is what you need to be controlled.

Information for sale

Think about the seed system of a watermelon. You can take out a portion from the middle, but there are going to be all those strands extending throughout the melon. That is how it is in the digital world. Things truly do live forever on the Internet. You can have a record expunged from a database, but any reference to or sharing of that record in other databases is going to give it new life. Data has become a big commodity. Everything is for sale on the Internet. Data is being collected on every interaction you have on the Internet. The data collected by brick and mortar businesses is sought after. Once government databases went online (real estate, court information, etc) information brokers snatched up this data. All of this information is bought and sold and resold. The original purveyor of the data may have deleted it but the new entity has it saved and published it their own way.

Everyone that has data is looking for revenue sources, especially governments. Data mining companies buy data from phone companies (landline and wireless) and the government (real property and court records). The information is legitimately offered for sale on the Internet through pay sites or resold. Ever get those mailings and wonder how Joe Realtor knows how long you’ve lived in your house and what you can sell it for?

Your Job image

Younger people may not be in databases for real estate or financial institutions but they are using social media and sharing the media. Even someone with little life experience will pop up in a simple Google search, most likely under images. This is what haunts the 20-somethings when they start their job searches. Over the last few years’ different surveys have revealed that 40% of college admission offices and 40% of HR professionals research social media regarding applicants. Staying aware of your online presence is especially import when trying for a job.

Cleaning up online presence

You’re first step should be stop the flow of information. Review and change your social media privacy settings. Remove information from online shopping and other accounts that are old or unnecessary.

Whether it’s the garage, the basement, or the Internet before starting any clean up job you have to assess the situation. Start by searching your name and then different variations with your name, town, occupation, and any other identifier that you feel has a strong attachment to your name. Would suggest using Google as it is the most powerful, but using other search engines wouldn’t hurt. You’ll probably get different results.

Make note of the sites in which you pop up and what they are referencing. Find the source of the material you want removed and contact the source directly. Many will want sound reasoning why the post/picture should be removed. May want to read the companies privacy statements before you make the call to know where you stand and/or how to make the request.

Even though the source removes the post once it has been shared it lives on in other sites. You’ll have to track the posts digital trail and contact those companies as well. The tedious part is finding every link that’s associated with your name and going through the process each time. As with any situation where you are fighting an issue Document Document Document. Keep copious notes of your efforts in case you need to prove your attempts later or make subsequent requests.

After all that you are still going to be able to “find yourself” on government public access sites like real property and courts. People search sites and phone number search sites sell the information you are trying to keep private. Matters of public record like newspaper articles in which you’ve been mentioned are going to pop up.

To get your name removed from marketing lists there are organizations that can help. Similar to the national do not call registry, these services allow consumers to opt of marketing offers. You would be adding your name to another database, which may be counterproductive to what you’re trying to accomplish, but it does keep marketers from contacting you. Maybe. Who knows if it really works?

One such service is run by the Direct Marketing Association and allows consumers to have their names and addresses removed from direct marketing mailing lists. There is a fee-$2 for 10 years if you register online. The site can be found at www.dmachoice.org. The second removes the consumer from credit card and insurance offers. The service is provided in a joint venture between Experian, Equifax, Innovis, and Transunion. The site can be found at www.optoutprescreen.com.

You won’t be able to eradicate everything. If you’re serious about removing yourself from the Internet you’ll have to have as much as possible redacted. The rest will have to get buried in the voluminous amount of data filling the Internet. The less that is out there the more specific the search will have to be to find you. Not gone but harder to find.

Your personal information may be in myriad retail databases but at least you can try to keep what others read about you to a minimum. You can’t just completely disappear but can clean up your online presence so that you’re not easily searched.

See our blog archive for more posts about online presence.

Should social media rants get you fired? March 2017

Social media checks July 2016

Convicted? Never convicted October 2014