Biometric Passport Crack: Privacy, Security Threat
Privacy Issues - Identity Theft, Data Security, Financial & Medical Privacy Matters
These "e-discovery services" not only mine vast data stores from corporate computer networks and crunch it for evidence of wrongdoing, but they then store that data and retain it for their clients in vast storage computers. This information trove contains employee emails, word documents and any company generated information retrieved from electronic devices involved in compliance issues or litigation.
The data is then made available online over secure networks to legal teams to review, mark up, edit into legal documents and mine for new data. Security in this arena must surely be a minefield as legal opponents and corporate cybersleuths - even hackers and internal moles - would probably like access to undermine competitors or seek insider trading information on active cases.
Data has become more valuable than could have previously been imagined. New businesses are being founded to re-mine that data for myriad purposes and store it securely. Privacy issues will emerge from within this morass of data as external emails from employees or personal documents retrieved from computers during lunchtime activity by secretaries are sucked into this data pit.
This story outlines how our laziness when it comes to filling out forms means that we are willing to sell our information to companies doing business with middleware firms to store that data for us. The latest development in this line is called AttentionTrust, which is being touted as a way to share your informtion with online companies through a supposedly trusted third party site.
Trust is the big thing we have to swallow here. No matter who we turn over information to, we must assign huge doses of trust that they will treat our data with care, protect it from both internal and external bad guys and never sell it or provide it to any source without our explicit permission.
Unfortunately estimates of the number of people who actually read web site privacy policies range from as much as half of all site visitors (extremely doubtful) to about 3% (probably still optimistic). We don't want to be bothered to take the time, even though the data we willingly provide is often sensitive info like credit card numbers, phone numbers, email addresses and street addresses.
We must be aware that all information given to any web site is then considered their property to do with as they wish. Many times that means selling to affiliated web sites or business partners, vendors and advertisers. We are much too lax with our sensitive information. This is the reason that so many are duped by spoofed emails appearing to come from their financial institutions or from PayPal.
People will give away far too much information in order to have the CHANCE of winning a prize and retailers and marketers are painfully aware of this. The reason for giveaways and promotions is simply to gather this valuable information and either USE it to sell things to participants or to sell it to marketing firms and the like. People need to learn to keep hold of their information without giving in to the temptation toward laziness for filling out forms (Claria's Gator) or giving it away to gain the CHANCE for a prize on every web site or giveaway in the mall.
One more commercial database established to profit from selling data that opens the door to mistaken criminal identity of those cleaning out their garage on a weekend. This also creates a burden on business to keep extensive records on the goods they purchase and spend daily time reporting to police.
The concept is being promoted as a way to gain access and control the information gathered (by users of the browser extension) during surfing online.
But the water is muddied here by combining the Attention Trust, which may have laudable goals, with Root Vault, which is purely a data brokerage. A visit to the Root Vault site clarifies that it is purely a commercial enterprise seeking control of user information in order to become the broker of that information to advertisers, web site owners and email lists. There are currently four buttons on the site with only one for consumers and three for potential purchasers of member information.
Currently, support is coming from entrepreneurs and investors, and based on the angle and tone of the CNN story, it appears that they may also be early investors in Root Vault by referencing AttentionTrust.
The first place to visit upon visiting the Root Vault is the "Privacy Policy" to see that users are agreeing to provide ALL of their surfing information to the Root Vault web site and company and that major "clients" of the site are financial institutions, made very clear in this excerpt from that privacy policy:
Our product and service providers, which primarily are banks, mortgage lenders and brokers, have entered into agreements with us, and they are required to comply with the Root Markets Code of Conduct, which incorporates, among other things, the federal and state privacy regulations. Those product and service providers may contact you by telephone or e-mail or postal mail directly after they receive your information even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company.
The apparent attraction to consumers interested in AttentionTrust is the ability to access, edit and control their own information, when in fact, they are providing extensive surfing and online behavior information about themselves to buyers of that information through the Root Vault service and giving up privacy they had previously, including "Do Not Call" list protections. Root Vault suggests that users will have complete control through AttentionTrust, but that control is limited to information that has not been released or sold already.
This Root Vault service appears upon even casual review, to be a wolf in sheeps clothing and a fairy tale about privacy protection which is lent by affiliation with AttentionTrust. Users will be spying on themselves with AttentionTrust browser plug-ins and providing all data gathered to make money for a third party broker (Root Vault) of information working for financial institutions and loan brokers seeking leads. It is inevitable that data aggregation achieved through the AttentionTrust MyWare browser extension, when coupled with any data brokerage services, will do more to erode and reduce online privacy of users than to protect it.
Attention Trust is threatening any potential good they might do for privacy protection by very early affiliation with data brokers and aggregators like Root Vault. This murky pond combines good (control and access of personally identifiable information) with bad (data brokers and email spammers seeking that information) and confuses privacy protection with data sales. If AtttentionTrust hopes to gain traction at this early stage of development of such a platform, it will have to studiously avoid any implied connection to or support of data brokerages.
The best news in the C|Net news story linked above are the suggestions being made by the Electronic Privacy Information Center (EPIC). Quoted from the C|Net story:
... limiting retention of records that are no longer needed for billing purposes, encrypting data stored by phone service providers, allowing customers to set passwords on their accounts, issuing notifications if any security breach occurs, and supplying "audit trails" that record whenever a customer's record is accessed.Three cheers for EPIC! Congratulations to the politicians who finally see the concerns of their constituents about privacy, data security and public disclosure are very real and require attention and serious legislation.
Seems a bit backwards - shouldn't consumers get more than the FTC? What does FTC do with that money? Does it go to further safeguard consumers private financial information held by data brokers? My bet is that it is funneled to government programs with budget shortfalls or even handed back to ChoicePoint once the furor has died down.
First reactions are positive toward FTC for "Sticking it to" ChoicePoint.
Once again demonstrating that if information exists, that data will be mined for revenue enhancement, theft or law enforcement. Wal-Mart and Costco's goal is revenue enhancement gained by reduced costs of payment processing and speedier checkouts.
The threat of theft via dishonest employees, hackers or others with data access becomes a looming monster over valuable fingerprint records of customers combined with other personally identifiable data, making protection of that data another critical cost center that may be ignored by the giant retailers. There is little profit in proactively protecting customer data - it becomes an afterthought when data leaks or thefts or warrants lead to unwanted negative publicity.
Finally, once government and law enforcement know of the existence of the fingerprint databases at Costco and Wal-Mart, they will subpoena and seek by warrant, any data they can convince a judge they need.
The value of the information held by retailers is already huge. I was surprised recently when returning a product to Staples that they required my driver license and address information to complete the return. When asked why, I was told it was to flag frequent returned items tied to specific individuals who abuse that priviledge. Here is a San Francisco Chronicle story detailing the customer returns database practice and the company mentioned in that story, called "Return Exchange, Inc." based in Southern California.
More new companies are being launched daily to gather and share different types of information with retailers. Who is to say which of those companies Wal-Mart and Costco will share those customer fingerprints with - fingerprints linked to financial information required to process biometric payments? Who has access internally and externally to that financial and fingerprint data held by those retailers and how is that precious data protected?
This outlines SSN history, legalities and how to avoid giving the number to those who have no true need for it. Businesses and especially low level individuals (clerks, registration desk staff) representing non-governmental or non-employment sources should be refused when they request your social security number.
I had been warned about this before taking a trip to Jamaica and had actually started to give my SSN to a tourist attraction registration desk clerk when I stopped myself and refused it. I saw a fake charge on my debit card when I returned home and got it removed and then had the card voided and replaced by my bank. I imagine that giving the SSN would have subjected me to far worse financial perils if I'd given it to that clerk when asked. How many unsuspecting tourists fall for that ruse?
I once refused to give my SSN to a YMCA to use their swimming pool. The clerk dutifully got the manager for me after insisting, "It's our policy". The manager agreed and apologized, asking me to leave if I wouldn't provide the SSN for their records! Do they protect those user SSN numbers from internal abuse or theft by employees? I doubt it and left the pool rather than providing that valuable number to an organization that had no legitimate need for it.
Don't volunteer your SSN to those who have no real need for that information. Legitimate needs would be for loan documents, tax information, employment purposes or banking uses.
This issue is a standard battle anywhere between border towns with no tax beside towns or counties / provinces with higher sales taxes. Sales will always be higher in the lower taxation zones.
But this long running battle between Alberta and British Columbia underscores a privacy issue in dramatic form. Wherever data exists, government will attempt to demand access to that data for law enforcement and revenue enhancement. The BC government saw customer data at Costco as a rich source of income. Just look for BC residence addresses in the database and collect provincial sales tax from their purchases in Alberta.
Costco rightly refused to hand over member information and the BC government backed down - but the scuffle highlights an issue of privacy which will not easily go away. Anywhere information exists, some entity will want access to that information. This was highlighted last week when the US Justice Department demanded a million random web sites from Google's database, along with a week worth of search queries.
Google refused and claimed the demand was "overreaching" and "burdensome" as well as threatening the privacy of their users. I've stated elsewhere that no private user information was demanded or delivered by the other three search engines when they complied with similar DOJ demands. I believe the privacy issue is a moot point in that story.
But I believe strongly that where information exists, someone is going to want access to it - be it Government, law enforcement, hackers, criminals or nosy neighbors. Because businesses are demanding more information from customers, and storing more information from transactions, including credit card information and other personally identifiable data on each individual transaction - customers rightly demand that those businesses will protect that information.
Google has been publicly supported by the national press in the US on it's decision to fight the feds on those demands for random search queries and web site lists from the Google database. Costco is now taking the correct stand in protecting British Columbia residents from unreasonable access to customer data by government.
Businesses should continue to take this stance worldwide and continue to protect user data from unreasonable access to private financial data by any entity, including bad guy hackers seeking credit card and other sensitive info, governments seeking transactional data or tracking financial activity, or nosy neighbors seeking juicy gossip. Those businesses holding substantial sensitive information on customers owe it to those customers to prevent access to that information by any source.
How to get that information to sell it? Lie. Call up phone company employees pretending to be another phone company employee in a "Special Needs Office" pretending to be representing voice handicapped customers and simply ask for their cell phone records. Bingo, nobody wants to deny "Special Needs" customers their right to their records - so just give them up, without checking any further!
This is an internal cell phone provider problem that they have tried to pass off by suing those who have done the pretexting in civil courts, since it is not yet illegal to do this devious deed. This is how the now infamous LocateCell.com has been getting phone records and selling them for $110 per monthly phone bill - by lying to phone reps who don't know better because they have not been briefed by their employer about the scam.
Phone companies bear responsibility for lax internal privacy policies and failure to warn call center employees of this problem. Instead they simply go to court to stop the bad guys from calling? Just tell employees NOT to give those records to anyone but the customer! Bizarre.