Get Ready to Expose Yourself: Deep Packet Inspection is Back
According to the Wall Street Journal, profiling methods for Internet users are coming back and are more intrusive than ever. Advertisers may begin to use a technology known as “deep packet inspection,” which reads and analyzes the raw packets of your personal data that travel across the internet.
These packets contain all of your online activity – not just your web browsing – and therefore can be more dangerous than “cookies”. With the information they gather online, advertisers target ads directly to you based on your online history. Have you ever felt like all the advertisements on sites were for services you have used or would use? Well they often are, and with deep packet inspection, they will be even more specific! The use of this technology gives advertisers the ability to show you ads based on extremely detailed information. It is so specific that they could theoretically tell if you are online for work or for fun, though they don’t necessarily distinguish on this trait when serving up ads. They can also tell the difference between your usage style and that of your spouse or kids. Thanks to the WSJ for this simple graphic of how deep packet inspection can work:
The Top 12 Ways Victims Detect Identity Theft
There are many signs that your identity has been stolen, even if you haven’t started to feel the real pain yet. If you detect these signs early, it probably isn’t too late to keep the damage to a minimum if you act quickly. Unless you are already at number 12…
- Your bills or statements are not arriving in your mail on time.
- You notice unauthorized charges on your credit card bill.
- You notice new accounts or erroneous information on your credit report.
- You are denied credit for a large purchase.
- You receive credit card bills from cards you don’t own.
- You are contacted by a collection agency on an item you didn’t purchase.
- You receive bills for unknown purchases.
- You are unable to set up new banking,loan or brokerage accounts.
- You notice withdrawals on your checking or savings account that you didn’t make.
- The checks listed on your bank statements don’t reconcile with those listed in your check register. Many times these checks are made out to “Cash.”
- You notice a downward trend in benefits on your annual Social Security Statement.
- The police show up at your door.
Cyber Theft on Cyber Monday
Don’t let a Cyber Scrooge Spoil Your Holidays!
Although most shoppers gear up and focus on Black Friday, Cyber Monday offers tons of hot deals to online shoppers. It began in 2005 and quickly became one of the biggest online shopping days of the year. On average, online shopping increases by 16% (worth more than $760 million dollars) on this one day alone!
Shoppers find the appeal in avoiding parking lots at malls, bustling stores and frantic holiday crowds. While it is very convenient, you can also be putting yourself at greater risk for identity theft and credit card fraud if you are not careful. In any situation there are steps you can take to protect yourself and make it easier to detect fraud if you become a victim. If you protect yourself, I feel that you are safer shopping online than in person (where about 15% of identity theft takes place).
Protect Yourself Online on Cyber Monday
Here are a few steps to take to protect yourself on Cyber Monday:
- Never Shop on a Public Wi-Fi Connection - Although you may trust the baristas at your local coffee shop, you can’t always trust the person sitting next to you. Hackers can easily tap into Wi-Fi connections at public hot spots to steal your identity information. This can be especially dangerous when you are making purchases with your credit card on unsecured connections. Always wait until you are on a land line (Ethernet cable) at a location you trust – I recommend making purchases at home.
Identity Theft Prevention this Holiday Season
AAA Hawaii’s Annual Holiday Season Travel and Shopping Poll of 250 local residents reveals that 76% plan to primarily shop this holiday with credit or debit cards. However, almost four in ten of surveyed shoppers have little or no concern about identity fraud happening to them this holiday shopping season! Identity theft is rampant throughout the holiday season. Over the past 3 years stolen data being used in less than one week jumped from 33% to 71%, meaning that they steal today and shop today. Identity thieves count on our lackadaisical attitude toward monitoring our wealth.
Not only does legitimate business pick up during the holiday season, but Identity theft and fraudulent Business seems to be on the rise as well. Especially during these hard economic times Identity thieves are on the prowl more than ever looking for a quick fix to their financial problems. It is just not possible to observe and ward off every threat to our identity. There will be documents that you forget to destroy or lock up, accounts that you won’t cancel, checks that you will mail, and waiters that will disappear with your credit card. It is not practical to think that we can cover every situation that threatens the safety of our identity. But we are not helpless in these situations.
Identity Theft Statistics & Holiday Shopping
Identity theft statistics, dry as melba toast, have something to teach us about shopping this Holiday season. Listening to the media, you would think that the Internet and cybercrime are to blame for most cases of identity theft. They are biased toward technology stories because they are new and interesting (actually, they are starting to get old). If it’s not hackers and phishers, then its war driving and key logging.
But their technological bias is Wrong.
Cybercrime only accounts for 11% of actual identity fraud cases in the latest Javelin study and online shopping accounts for a meager 1%!
When it comes to victims having their identity stolen while making in-store purchases, women have a 94% incident rate and men only 43%. Women tend to shop more in stores, men online.
There is an important lesson in this confusion between reality and perception: don’t automatically believe everything you hear, especially in the media. It’s sexy to write about cybercrime, but the disproportionate amount of attention it receives gives us a false sense that it is the leading cause of identity theft. As you start your holiday shopping, don’t be afraid to shop online, but only if you have protected your computer and internet connection properly.
Here’s what you need to know:
- Technology plays a smaller role in identity theft than we perceive
Facebook Email: Putting Every Last Egg in One Basket
Facebook wants a piece of every social interaction you have, which is why they are poised to offer you a free email account, just like Gmail or Hotmail.
Facebook’s newest features (email and eventually a built-in search engine) are aimed at making their website your one-stop shop for all things internet. Rumor has it that at 10:30am PT, Facebook will offer their existing users email addresses. And millions of existing users will take them up on their offer because it will be cool to have a Facebook email account and because we are all in short supply of email accounts to check 24/7. Other sources are saying that Facebook will soon be offering a search engine as well.
As of December 2009, Gmail had over 1.8 million monthly users. Facebook currently has more than 500 million active users – even if a fraction of them use Facebook’s webmail in place of Gmail, it will significantly decrease Google’s hold on the industry. And Hotmails, and Yahoo’s. Why check 3 sources of information (mail, social networking, search) when you can simply check one?
Fired Over Facebook Post
Can your Facebook status messages get you fired?
After a ruling on a current legal battle, they may! In a recent ground-breaking case involving social media usage by employees, specifically Facebook, one woman is challenging the cause of being fired. The National Labor Relations Board has brought a case against a Connecticut ambulance service, American Medical Response, for firing an employee after she used Facebook to vent her work frustrations. The employer accused the employee of violating their privacy policy by posting a disparaging remark that read, “love how the company allows a 17 to become a supervisor” – a 17 is the term they use for a psychiatric patient.
The Labor Regulations Board claims that the company’s privacy policy is too broad and interferes with an individuals right to free speech. They believe that posting such a message on your Facebook is no different than gossiping with a co-worker around the water cooler. On the other hand the company believes that these remarks are not protected under the law and were negative personal attacks on the supervisor. This suit could set a precedent for other cases involving termination due to social media. There is a lack of legislation in place to protect both employers and employees from open social media forums. Other cases have been cited, but none have set precedent.
Facebook Offers New Deals: The Cost is Your Privacy
According to TIME Newsfeed, Facebook is taking on a new marketing giant – Groupon. Groupon.com has gained popularity extremely fast due to the huge discounts they offer users on a daily basis. Their average discount ranges from 50% to 80% off of food, services, shops and entertainment. They boast over 18 million subscribers and have sold over 12 million deals. It is no wonder that Facebook would want a piece of the action — when Groupon featured clothing giant GAP on their site, they sold 400,000 deals, making them $11 million.
But there is a catch: Facebook Deals only goes hand in hand with Facebook Places. In order to receive the promotions, you have to use their location sharing app and “check in” to get the deal. In other words, to gain the benefits offered by Facebook Deals, you have to sacrifice more privacy. Groupon only asks users for their city location in order to tailor deals to their area. To take advantage of a deal, you must share your address and billing information, and that is done on their secure checkout site.
Celebrity Identity Theft – Fraud from the Inside
This morning, I delivered a fraud training speech in Beverly Hills. As you can imagine, the famous and the wealthy tend to suffer more than the average person from information overexposure and fraud. They are, after all, public figures, worth a great deal, and the focus of over-zealous fans and media. The rich and famous are the perfect storm for information abuse, and we have much to learn from the way they protect their privacy. Dishonest people want to be them, at least long enough to drain their sizable resources, and their family and friends aren’t often far behind. Identity theft and other types of fraud, unfortunately, allow this fantasy to become a reality in the hands of a clever impostor.
The rich and famous are the perfect storm for information abuse, and we have much to learn from the way the protect their privacy.
Oddly, many cases of celebrity identity theft or privacy exposure I come across are committed by acquaintances of the star. It’s the brother-in-law of the franchise quarterback who feels like they deserve a cut of the action. It’s the movie star’s house guest who justifies pilfering financial assets using virtual methods (electronic bank transfers, credit card theft, investment fraud, medical insurance fraud, data resale). Or it’s the medical facility treating an ailing actress that sells information to the paparazzi. But no one, including the most self-absorbed celebrity or athlete, deserves to lose their privacy, their data or their wealth at the hands of a thief. Wealth and status do not exempt the famous from the violative consequences of these crimes.
Sileo In the Media
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