Scared Stiff: Identity Bedrageri og Internettet

LocutusJohn Stossel of ABC's 20/20 had a fantastisk show i sidste uge, Bange stive: Bekymre dig i Amerika. He provided solid data speaking to the media's impact in our lives and how it affects the public and its fear.

(Han havde også Stephen Dubner fra Freakonomics på showet, så jeg måtte se det!)

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 har ret. Denne frygtforvirring fra erhvervslivet og medierne er absolut ude af kontrol. Faktum er, at virksomhed 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 ondt Internet and we're soon all to be assimilated. There's no stopping it. We're done. The world is ending.

Eller er det?

Ifølge statistik69.4% af alle amerikanske husstande bruger nu Internettet. En forbløffende 210,000,000 amerikanere er på Internettet nu. Og det samme gælder deres kreditkortoplysninger, deres kredithistorik, kort over deres kvarterer, deres sociale sikringsoplysninger, deres virksomhedsfordele, deres investeringer og endda deres (tæt bevogtede) medicinske historier.

Wow ... med disse slags numre skal der være millioner af mennesker, der er ramt af identitetstyveri, ikke? Nå ... nej.

Ifølge 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 ved kilden, hvor det store flertal sker i finansielle institutioner og også stjæles fysisk, ikke elektronisk.

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. Ikke en eneste klage.

Stadig bange? Dit odds for at blive myrdet eller dø af et fald eller dø af et bilulykke eller endda af et selvforskyldt sår er større end dine odds for at blive offer for identitetssvig på Internettet. Faktisk er chancerne for, at Jorden bliver ramt af en asteroide i det næste århundrede større, end at du er offer for identitetssvig på Internettet.

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.

Hvorfor ikke? Der er et par grunde, men den vigtigste er, at så godt som Internettet er ved at gemme dine data, 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).

Og hvis du tilfældigvis er offer for ethvert identitetsbedrageri, here's some rådgivning.

3 Kommentarer

  1. 1

    Fantastisk indlæg. Jeg forstår ikke, hvorfor folk er paranoide over at lægge grundlæggende oplysninger om sig selv på Internettet, især da meget af det kan findes på ikke-elektroniske måder. For det meste kan jeg få folks adresser, telefonnumre, bryllupsdatoer, børns fødselsdage og i nogle tilfælde deres lønninger - alt uden at få adgang til en computer (selvom det kan kræve lidt benarbejde). At sende et billede af dig selv online er intet som at sende dit SSN.

    Jeg tror, ​​at paranoia overføres til, hvordan virksomheder prioriterer sikkerhed (eller måske er statistikkerne på den måde på grund af det). Virksomheder bruger pengene på et SSL-certifikat og firewall, men de oplysninger, de fanger, udskrives og arkiveres i et ulåst kabinet et eller andet sted, som alle kan få adgang til. Selvfølgelig er der mange virksomheder, der håndterer selv internetsikkerhed dårligt, men jeg vil vædde på, at den gennemsnitlige lille virksomhed har relativt dårligere sikkerhed end at sige, en bank, når det kommer til deres fysiske kontor end deres websted.

  2. 2

    Det lader til TJX kan bevise mig forkert... de fulgte ikke kreditkortselskabernes råd om, hvordan man beskytter data, så deres system blev hacket og kreditkortsdataene blev stjålet. Ingen idé om virkningen af ​​dette tyveri endnu, men det kan være det største hack af kreditkortdata i vores internethistorie!

  3. 3

    Hej Doug, tak for den informative artikel. Jeg havde ikke indset, hvor overoppustede fakta var, før dine statistikker sætter det hele i perspektiv. Jeg tror, ​​det stadig hjælper, at folk er forsigtige med deres information uanset. Små ting som at se på webadressen kan hjælpe med at afskrække phishing (som en e-mail med PayPal, der fortæller dig at give dem dine kreditkortoplysninger, men adressen ovenfor har ikke "paypal" nogen steder i navnet). Lidt sund fornuft og forsigtighed går stadig langt.

    Landsdækkende VPN

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