Merlin1047 said:
Fuzzy and Karl - apparently neither of you have ever been the victim of identity theft or you would not be such fans of self check-out. Last year some slimeball appropriated my wife's identity and used it to get credit cards. Then she (we found out it was a woman) promptly ran up several thousand dollars in purchases. Fortunately the credit card company picked up the unusual spending pattern and called us. We were out only fifty bucks, but the aggravation of countless police reports, dealing with several stores, credit bureaus etc etc was a horrendous headache.
Every time a merchant accepts your credit card without verifying your identification, that merchant is making it easy for criminals to perpetrate this type of fraud. Do-it-yourself checkout makes this kind of fraud laughably easy. Again, Wal Mart is NOT doing you a favor by failing to ask for ID when you make a purchase with a credit card. Self check out may seem convenient but on average it's slower than if the process was handled by a clerk. You don't notice the extra time because you're busy checking yourself out. Compare the lines sometime and see which moves faster. But Wal Mart doesn't provide self check-out for speed or convenience. They do that because it's cheaper for the store to let you check yourself out than to hire a clerk. And when you pay using your credit card, Wal Mart couldn't possibly care less if you are the proper owner of that credit card or if someone else is using your name.
Good points.... but come to think of it... I have never been asked for ID whenever I used a credit card... ever.
I think that your idea is a very good one and would help to cut down on credit card theft immensely. Another, would be to have a photograph of the user on credit cards, Still another one would be to have a PIN on credit cards, so that even if they are stolen, they would be of little use.
I took a class on web security a few weeks ago. The fellow who taught it is a web security consultant plus a former employee of the NSA (National Security Agency), so I think that he knew what he was talking about.Apart from the technical stuff here is what I learned.
1. Online credit card transactions online are pretty much secure IF you see the "lock" icon at the bottom right hand corner of your browser (if you use Internet Explorer put your cursor on it and it should say "
SSL Secured (128 bit)" . Mozilla Firefox will show a lock icon, too). Never, ever, ever do a credit card transaction without it. Stick with the big sites e.g. amazon.com and so forth, because they are pretty good about keeping your credit card number secure once they get them, but stay away from "mom and pop" websites. Apparently some of the smaller outfits will transmit your credit card number once they get them without bothering to encrypt the messages.
2. PayPal is pretty secure too and he seemed to think that was a good way of transmitting money in a secure fashion.
3. If you have Windows XP, upgrade to Service Pack 2. It has a lot of security features built in e.g. a firewall etc.
4. If you do online banking, or shopping, consider changing your passwords on a fairly regular basis (at least once a year). Good passwords are at least 6 characters long and combine letters with numbers. Don't use obvious ones like your user ID, girlfriend's name etc. I prefer to use a password generator to pick my passwords (a password generator is a program or website which generates a password for you, rather than having you pick one yourself). You might also want to stay away from using other obvious ones such as IAM2SEXY, too. If you've thought of it, chances are hackers already know about it.
5. I'm going to state the obvious here, if you don't have antivirus protection on your machine (and don't keep it up to date with regular upgrades).... you are asking for trouble. Consider it an insurance policy.
6. Keep up with the latest patches for your computer. Windows XP has a feature that does auto updates for you. Many times, hackers are able to break into your machine by exploiting flaws in your computer's operating system software. Flaws, which, have usually been fixed by patches.
7. One last thing... this is one of my suggestions. IMHO... Those free screensavers... stay away from them too. Many times they are full of spyware which tracks where you go on the web then transmits the information to third parties. The entire reason that they are free is because... well, they're invading your privacy for someone else's economic gain.