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See Full StoryUndaunted by consistent reports of hackers, consumer data being compromised online, and
technological loopholes, my credit-card numbers are all over the Internet.
I shop regularly at the Web sites of a number of small merchants, as well as those of
mega-stores. Clothes, books, luxury gifts -- I've bought them all, and with various credit cards.
I even bought a new car on the Internet. But the more I shop on the Internet, the greater
my chances are of having my consumer data exposed. Exposure is the word e-tailers and
online shoppers fear the most.
Is it not true that Visa now has a "no-fault" clause to the consumer who is inadvertently or accidentally charged something to their credit card, especially if the credit card holder didn't actually make that online purchase their card was charged for??
Absolutely, I agree. Of special note would be the last sentence "perceived security of Brick and Mortar." That's all there is to it, a perception.
When you charge something at a mall the transaction is stored on a computer somewhere or, better yet, uploaded to the main server for the company. Computers are used every day in Brick-and-Mortar companies. These have connections to the Internet, and hackers use these to get access. It is not exclusive to E-business.
There's also the debacle of throwing away hard copies of slips into dumpsters. Every employee has access to your personal information. There is no encryption; the information sits right in front of them.
The Internet is receiving more than its fair share of exposure, but criminals are criminals. We have to work diligently to stop ALL criminals from stealing our personal information. The process should start with simple common sense; let's make sure our security protocols, software, and hardware all stack up to the worst, most common of threats. This should also apply to Brick-and-Mortar establishments. Then we can "cry havoc" if our defenses don't work.
If we can eliminate the simple mistakes, we will be making huge inroads towards TRUE secure electronic transactions.
When you charge something at a mall the transaction is stored on a computer somewhere or, better yet, uploaded to the main server for the company. Computers are used every day in Brick-and-Mortar companies. These have connections to the Internet, and hackers use these to get access. It is not exclusive to E-business.
There's also the debacle of throwing away hard copies of slips into dumpsters. Every employee has access to your personal information. There is no encryption; the information sits right in front of them.
The Internet is receiving more than its fair share of exposure, but criminals are criminals. We have to work diligently to stop ALL criminals from stealing our personal information. The process should start with simple common sense; let's make sure our security protocols, software, and hardware all stack up to the worst, most common of threats. This should also apply to Brick-and-Mortar establishments. Then we can "cry havoc" if our defenses don't work.
If we can eliminate the simple mistakes, we will be making huge inroads towards TRUE secure electronic transactions.
-Trentin
Amen! As a Credit Card Fraud Professional, i.e. I work for a large issuing bank, I agree 100%!
The first comment out of the customers' mouth when we contact them is: "You, BANK XYZ must have compromised our data......"
So, we direct them to the news story!
