Scared Stiff: fraude de identidade e Internet

LocutoJohn Stossel of ABC's 20/20 had a espectáculo fantástico a semana pasada, Scared Stiff: preocupación en América. He provided solid data speaking to the media's impact in our lives and how it affects the public and its fear.

(Tamén o tiña Stephen Dubner de Freakonomics no programa, así que tiven que velo!)

The problem he identified is that most of the things we worry about aren't really risks at all. One startling example is a comparison of having a loaded gun or a swimming pool… pools kill many more children than loaded guns. For some reason, we're not afraid of sending our kids off to a home with a pool… but we'd never send them to a home with a loaded gun.

This week, the fear hit home with me. I'll spare the gory details, but I joined a social networking site that had some fantastic tools for building your family relationships and having your ‘network' take off and grow on your own. The trick to the site was that you enter all of your family and their relations to you… the application does the rest… contacting each of them to login and continue building the family. It's an awesome application with all the right features… a viral component, a tool, a contact database, all in one spiffy little Web 2.0 package.

Here's the rub… you enter your family's information. I made the insanely dumb move of kicking the whole party off and putting my family's data in there. The application then contacted each member of my family. The young folks caught right on and started building their networks. It was a different story with the older folks. You would have thought I posted my family's passports and credit cards online for the taking! They were absolutely horrified that I would do such a thing. Horrified!

Identity theft, identity theft!!! My sanity, intelligence, and – most of all my trust – were immediately put into question. Flaming emails followed flaming emails… educating me on this incredible threat and how careless I was to put my family at risk. Though I wasn't concerned with Identity Theft, I quickly made tracks to the company to get the data in question… and any related data… taken down immediately. That didn't stop the scolding. I have to tell you… at 38 years old and having a decade behind me in the Industry, you would have thought I was the worst thing to happen to the net since SPAM.

I'll be in trouble for this post as well… it's not over anytime soon. If the case were adjudicated and ended in a public flogging, it still wouldn't save me. I think I'm off all the wills.

John Stossel ten razón. Esta falsificación do medo por parte dos negocios e dos medios de comunicación está absolutamente fóra de control. O caso é que o empresa of identity theft will exchange infinitely more money than actual identity theft. But it's got the attention of creditors, government, and media so it's going to be in the spotlight for a while. All of our data has been exposed in this mal Internet and we're soon all to be assimilated. There's no stopping it. We're done. The world is ending.

Ou é?

Dacordo con estatística, O 69.4% de todos os fogares estadounidenses están a usar Internet. Un sorprendente 210,000,000 de estadounidenses están agora en Internet. Así é a información da súa tarxeta de crédito, o seu historial de crédito, os mapas dos seus barrios, a súa información de seguridade social, os beneficios da súa empresa, os seus investimentos e incluso os seus antecedentes médicos (moi vixiados).

Vaia ... con ese tipo de números, debe haber millóns de persoas afectadas polo roubo de identidade, non? Ben ... non.

De acordo coa FTC, there were a 246,000 cases of identity theft complaints were reported in 2006 (DOWN from 255,000 in 2005). Well that's 1 in every 1,000 Internet Users, right?

Nope.

According to the FTC, only 1.9% of all Identity Theft complaints were made against the Internet. 4,674 people. So 98.1% of all Identity Theft complaints were not related to the Internet. Let's do some math…. that's 0.0022% chance of getting your Identity stolen from the Internet. Or 1 in every 45,000 people. 3 to 6% of Identity Theft happened due to data breaches na fonte, coa gran maioría acontecida nas institucións financeiras e tamén roubada de forma física, non electrónica.

I could not find a single complaint in all of the data I reviewed where the victim's data was hacked electronically from a third party web site. Nin unha soa queixa.

Aínda asustado? O teu probabilidade de ser asasinado ou morrer por unha caída ou morrer por un accidente de coche ou incluso por unha ferida autoinfligida son maiores que as probabilidades de ser vítima de fraude de identidade en Internet. De feito, as posibilidades de que a Terra sexa golpeada por un asteroide no século seguinte é maior que vostede ser vítima de fraude de identidade en Internet.

With that in mind, I would add that all, if not most, of those Internet Identity Fraud cases happened because of a phishing scheme… where a user logged into a fake site that was put there for the sole purpose of stealing your identity. They didn't come from legitimate sites where people's identities were stolen.

Por que non? Hai algúns motivos, pero a clave é que o aforro de Internet é tan bo os teus datos, it's also great at recording every single packet of information that runs through it. Have you ever noticed how quickly people get tracked down after a child pornography roundup? It's a lot easier for someone to steal some paperwork from your local financial institution than it ever would be to try to retrieve it from the web.

To conclude… stop worrying. To the security and media companies… stop all the fear mongering! Of course I'm not advising you to use your first name as a password and leave your credit card info in your profiles, but you also don't have to fear logging into a legitimate site and finding your bank accounts emptied the next day. It just doesn't happen that way. There's more important things to worry about (like having a healthy, trusting relationship with your family).

E se é vítima de calquera fraude de identidade, here's some consello.

3 Comentarios

  1. 1

    Estupendo post. Non entendo por que a xente está paranoica de poñer información básica sobre si mesma en Internet, especialmente porque boa parte diso se pode atopar a través de medios non electrónicos. Na meirande parte, podo obter enderezos das persoas, números de teléfono, datas de voda, aniversarios dos nenos e, nalgúns casos, os seus salarios, todo sen acceder a un ordenador (aínda que podería requirir un pouco de traballo). Publicar unha foto de ti en liña non é nada como emitir o teu SSN.

    Creo que a paranoia continúa en como as empresas priorizan a seguridade (ou quizais as estatísticas sexan así por mor diso). As empresas gastarán o diñeiro nun certificado SSL e nun cortalumes, pero a información que capturan está impresa e arquivada nun armario desbloqueado nalgún lugar ao que calquera pode acceder. Por suposto, hai moitas empresas que manexan incluso a seguridade de Internet mal, pero apostaría por que a pequena empresa media ten unha seguridade relativamente peor que a dun banco, cando se trata da súa oficina física que do seu sitio web.

  2. 2

    Aparece TJX pode revelarme equivocado... non seguiron o consello das compañías de tarxetas de crédito sobre como protexer os datos polo que se piratearon o seu sistema e roubáronse os datos da tarxeta de crédito. Aínda non teño idea do impacto deste roubo, pero podería ser o maior pirateo de datos de tarxetas de crédito do noso historial de Internet.

  3. 3

    Ola Doug, grazas polo artigo informativo. Non me dera conta do inundados que eran os feitos ata que as túas estatísticas o puxeron todo en perspectiva. Creo que aínda axuda a que a xente teña coidado coa súa información independentemente. Pequenas cousas como mirar o enderezo web poden axudar a disuadir do phishing (como un correo electrónico con paypal que lle indica que lle dea a información da súa tarxeta de crédito, pero o enderezo anterior non ten "paypal" en ningún lugar do nome). Un pouco de sentido común e precaución van aínda moito.

    VPN a nivel nacional

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