Long an obsession of science fiction writers, "artificial intelligence" in the modern era of fast-paced technological innovation is a term that is as ubiquitous as it is nebulous. For the payments technology industry, however, the term describes advanced analytical technology that has an outsized potential to improve the payments ecosystem for banks, payments processors, merchants and consumers.

Consumers are becoming increasingly concerned about the hacking of their devices and data as they hear about more data breaches and have their own experiences with issues such as ransomware, identity theft and botnet attacks. Concerns about data security also have been shown to increase with ownership of more connected devices. Currently, U.S. broadband households own an average of 10.4 connected devices.

An advocacy organization formed by cybersecurity professionals has joined the fight for "right to repair" legislation, which would allow consumers and third parties to repair electronic equipment without voiding manufacturers' warranties. Legislators in about 20 states have been working on some form of this legislation, but they have been stymied by a number of tech companies and industry groups.

Almost two years after the infamous Equifax breach, many organizations still struggle to identify and manage open source risk across their application portfolios. Meanwhile, the latest report tracking open source security shows a 40 percent rise in the average number of open source components detected in each codebase analyzed. The scanned software includes commercial applications.

A new method for hiding the true location of a website from users of the mobile Chrome Web browser has come to light. Phishers can trick users into revealing their credentials for a legitimate website to operators of a malicious one, security researcher James Fisher reported. Scammers can exploit mobile Chrome's feature that hides the address bar when users are scrolling on a Web page.

Tesla sure didn't have a good week last week, given the kind of press coverage it got. I'm not that worried about Tesla going away, though, as its products are far too popular for it to disappear. On the other hand, management clearly needs to be fixed. What got me started looking at Tesla last week was that it pretty much announced that Nvidia was its Kryptonite.

Apriva has announced partnerships with AveriGo and Vagabond to offer innovative mobile shopping and payment solutions. Apriva offers an adaptive platform for secure mobile communications and omnichannel payments. Both its new partners are in the vending and F&B service industries. AveriGo offers the Averiware business platform. Vagabond offers technologies for the convenience services industry.

The European Parliament overwhelmingly approved two measures that would integrate the region's fragmented law enforcement and home affairs databases into a centralized one that would include biometric information on some 350 million EU and non-EU citizens. It approved creation of the new system on two votes -- one to merge border control systems, and one to merge law enforcement systems.

Hackers piggybacked onto a Microsoft customer support portal between Jan. 1 and March 28 to gain access to the emails of noncorporate account holders on webmail services Microsoft manages, including MSN.com, Hotmail.com and Outlook.com. Microsoft has confirmed that a "limited" number of customers who use its Web service had their accounts compromised.

Mark Zuckerberg's most recent effort to change the conversation about Facebook seems like just another attempt at self-justification. In a recent op-ed, he places the onus squarely on the shoulders of government to regulate how social media works. "I believe we need new regulation in four areas: harmful content, election integrity, privacy and data portability," Zuckerberg wrote.

Facebook CEO Mark Zuckerberg called for greater government oversight and even regulation of the Internet in an op-ed piece published last weekend. Zuckerberg, who famously built the social network by playing by his own rules, said it was time for government and regulators around the world to step up and help rein in the Internet. The main point was to regulate what he called "harmful content."

No one knows for sure how many "things" are connected to the Internet, but the Federal Trade Commission reported last year that it was more than 8 billion, and that it would exceed 20 billion by the end of 2020! Astonishing as it seems, it turns out that U.S. privacy laws do not apply to all of those devices and the data they collect. So, for the third time in three years, the Senate has proposed a new law.

The United States Federal Trade Commission has announced an investigation into the privacy policies, procedures and practices of seven Internet broadband providers and related entities: AT&T Inc., AT&T Mobility LLC, Comcast Cable Communications doing business as Xfinity, Google Fiber Inc., T-Mobile US Inc., Verizon Communications Inc., and Cello Partnership dba Verizon Wireless.

Telegram Messaging has introduced a new feature that allows user to delete not only their own comments, but also those of all other participants in the message thread on all devices that received it. Although the move is meant to bolster privacy, it's likely to spark some controversy. Telegram, a cloud-based instant messaging and VoIP service, is similar to WhatsApp and Facebook Messenger.

Cybersecurity experts at Microsoft's Windows Defender Security Intelligence Team this week reported their discovery of two new email-based phishing campaigns. One targets Amex users while the other targets Netflix customers. Both campaigns reportedly are very well-crafted, featuring legitimate logos and even fill-in forms that closely mimic those on the respective company's own websites.

The good news is that of the many troubles Facebook has, privacy seems to be front and center for both CEO Mark Zuckerberg and COO Sheryl Sandberg. The question is, will the actions they take to address the company's privacy issues be enough? If not, this is the kind of problem that can and will cause long-term damage to the Facebook brand. Its leaders need to come up with an immediate fix.

Mozilla has announced Firefox Send, a free encrypted file-sharing service that works in any browser. To share a file, you simply visit the Send site and drag your file to a box on the Web page. Unregistered users may upload up to 1 gigabyte in files, while registered users have a 2.5 GB allowance. After uploading your files, you choose an expiration time for the link used to share them.

Plans to bring facial recognition to major U.S. airports by 2021 are on a fast flight path, despite concerns about the new technology's readiness. President Trump in 2017 issued an executive order expediting the deployment of biometric verification of the identities of all travelers crossing U.S. borders. It stipulates that facial recognition identification be used in the top 20 U.S. airports.

Microsoft has been urging customers to upgrade from its Windows 7 operating system, while attempting to ease the transition with several options for extended support. It will stop providing routine fixes and security patches effective January 2020. Regular support for Windows Server 2008 also will end at that time. Windows 7 enterprise customers can subscribe to Extended Security Updates.

The August View is a wireless doorbell that can stream sharp 1440p HD video. It supports two-way audio, so you can talk to guests via an Internet connection. The View can be paired with August and Connected by August smart locks. That means you not only can speak to visitors remotely, but also can let them into your house. That functionality can be handy for accepting package deliveries.

Following a natural disaster that causes property damage to businesses and homes -- say a hurricane, fire or flood -- how often do you hear suggestions that the victims were at fault for their misfortune, or that they could have done something to prevent the event from occurring in the first place? Not often, right? We all know that events like that are possible. We plan around those possibilities, and we don't blame the victims.

Facebook has undermined privacy on its network by exposing mobile phone numbers provided to secure user accounts through two-factor authentication. That's because anyone can use the numbers to look up a user's account. One doesn't even have to be a Facebook member to do so. Moreover, there's no way to opt out of the setting, although it can be limited to "friends" only.

A new cryptovirus called "B0r0nt0K" has been putting Linux and possibly Windows Web servers at risk of encrypting all of the infected domain's files. The new ransomware threat and the ransom of 20 bitcoins -- about $75,000 -- first came to light last week in a forum post. A client's website had all its files encrypted and renamed with the .rontok extension appended to them, the forum user indicated.

The FIDO Alliance hammered another nail into the passwords coffin with the announcement that devices running Android 7.0 or higher will be compatible with FIDO2, the latest version of its authentication solution. Certification of Android 7.0+ means devices running those versions of Google's mobile operating system will support FIDO2 out of the box or through a software update.

JPMorgan Chase on Thursday announced that it has created and successfully tested a digital coin. Each JPM Coin represents $1 in funds held in designated accounts at JPMorgan Chase N.A. The token was created using Quorum, a variant of Ethereum developed by JPMorgan Chase, to enable instantaneous payment transfers between its clients' institutional accounts.

AT&T, T-Mobile and Sprint have sold access to subscribers' real-time location data to aggregators, which in turn have sold it to about 250 bounty hunters and related businesses, according to a report. In some cases, the data allowed users to track individuals to their specific locations inside a building. Some companies made thousands of location requests to data brokers.

The e-ticketing systems of eight airlines, including Southwest Airlines and Dutch carrier KLM, have a vulnerability that can expose passengers' personal data, mobile security vendor Wandera has reported. They use unencrypted links that hackers can intercept easily. The hackers then can view and, in some cases, even change the victim's flight booking details, or print their boarding passes.

Musing about Facebook's first 15 years, CEO Mark Zuckerberg positioned it as a David confronting a Goliath composed of hierarchical institutions. Facebook gives the masses a voice, he wrote. It brings communities together and provides businesses with low-cost outreach. Progress has been made in addressing the new social and ethical issues raised, including protection of privacy, he said.

Apple has blocked a Facebook app that paid users for total access to all network data. The controversy over use of the Facebook Research app erupted earlier this week, with a report that revealed Facebook was paying users $20 a month for root network access to their phones. Facebook was on-boarding users of the program, which included teenagers, through Apple's Enterprise system.

The social media model has come under increased scrutiny following revelations of data misuse and news of executives reneging on some security commitments. People expecting to change the situation will need to address how social media works. This means changing not just the business model, which describes how a social media business makes money, but the fundamental technology model too.