credit card numbers

The BBC is reporting that 25 million Britains were exposed to the threat of identity theft when the HM Revenue & Customs (similar to the IRS in the U. S.) lost a CD containing personal data. This has to be one of the worst data breaches ever since the CD was not encrypted (just password protected) and the data included: In case you’re not familiar with that last item it’s similar to the Social Security Number here in the U. S. What else could a potential thief want? The CD with the data was sent to another HMRC location by a lower level employee via regular mail instead of using an encrypted network connection or some other secure method. The CD never showed up at the other office and officials are now trying to determine if it was stolen or just lost. “The data lost - bank account numbers names and addresses - represents a gold mine for the thieves and is much more valuable to them than credit card numbers or taxpayer id numbers,” said Gartner analyst Avivah Litan. “In fact in the black market bank account numbers sell for the highest price or between $30 and $400 (£15 to £200) which is significantly more than the fifty cents to five dollars that criminals pay for credit cards.” This disaster has already forced the resignation of HMRC’s chairman - Paul Gray. I’m guessing the employee involved was also “sacked,” as the Brits like to put it. Let’s hope so. I’ve recently had a credit card “fraudomized” and all the odd charges came from the UK. I’ve not been to the UK in five years or more so it’s really surprising - it must be some criminal org located in the UK. IDAvenger offers a great product to help protect against identity theft and provide attorney services in the event your ID is stolen!!

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Related article:
http://fightidentitytheft.com/blog/identity-theft/25-million-brits-exposed-to-identity-theft/

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I thought this post would be timely just before color Friday and Cyber Monday. I run into a lot of populate that worry using their credit card on the web. It's a valid concern whether it's an established big affiliate website or a small start-up. The reality is that your credit card is also vulnerable in a retail setting (or anywhere else). Credit cards are still being handled by populate. change surface on the Internet in most cases at some point your card information is handled by a 'real person'. In a sell store you may be swiping but you're also signing an electronic pad. (Just imagine how many computers undergo your signature!.)The reality is even with the addition of the 'cvv security code' on the back your credit card is always at some level of risk. Nobody really wants to evaluate about it and this piece isn't to meant to affright anyone. To some degree using a credit card can be safer than a analyse. Check your credit card statements every month. See something suspicious? Just label the 800 number on the back. The good news (and I've had recent experience with this) is that the banks are getting much better at quickly identifying potential credit card fraud. I received a phone call from a credit card provider a few months ago. I verified that it was the issuing bank first and then went on to investigate what they were calling about. It was real. They caught it the day it happened reversed the charges and issued a new card. So undergo some fun shopping for your friends and loved ones and pin this affix to your desk to remember to check those tip and credit card statements. It only takes a few minutes each month.

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Related article:
http://anzman.blogspot.com/2007/11/credit-card-security-on-web.html

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I thought this post would be timely just before color Friday and Cyber Monday. I run into a lot of populate that mind using their credit card on the web. It's a valid concern whether it's an established big company website or a small start-up. The reality is that your credit card is also vulnerable in a retail setting (or anywhere else). Credit cards are still being handled by populate. change surface on the Internet in most cases at some inform your card information is handled by a 'real person'. In a sell store you may be swiping but you're also signing an electronic pad. (Just imagine how many computers have your signature!.)The reality is change surface with the addition of the 'cvv security code' on the back your credit card is always at some level of risk. Nobody really wants to think about it and this piece isn't to meant to affright anyone. To some degree using a credit card can be safer than a analyse. analyse your credit card statements every month. See something suspicious? Just label the 800 be on the approve. The good news (and I've had recent undergo with this) is that the banks are getting much better at quickly identifying potential credit card fraud. I received a phone call from a credit card provider a few months ago. I verified that it was the issuing tip first and then went on to explore what they were calling about. It was real. They caught it the day it happened reversed the charges and issued a new card. So have some fun shopping for your friends and loved ones and pin this affix to your desk to bequeath to analyse those tip and credit card statements. It only takes a few minutes each month.

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Related article:
http://anzman.blogspot.com/2007/11/credit-card-security-on-web.html

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I thought this affix would be timely just before Black Friday and Cyber Monday. I run into a lot of populate that worry using their credit card on the web. It's a valid concern whether it's an established big affiliate website or a small start-up. The reality is that your credit card is also vulnerable in a retail setting (or anywhere else). Credit cards are comfort being handled by people. change surface on the Internet in most cases at some inform your card information is handled by a 'real person'. In a retail hold on you may be swiping but you're also signing an electronic pad. (Just create by mental act how many computers undergo your signature!.)The reality is even with the addition of the 'cvv security code' on the back your credit card is always at some level of assay. Nobody really wants to think about it and this conjoin isn't to meant to alarm anyone. To some degree using a credit card can be safer than a check. analyse your credit card statements every month. See something suspicious? Just call the 800 number on the approve. The good news (and I've had recent undergo with this) is that the banks are getting much better at quickly identifying potential credit card fraud. I received a phone call from a credit card provider a few months ago. I verified that it was the issuing bank first and then went on to investigate what they were calling about. It was real. They caught it the day it happened reversed the charges and issued a new card. So undergo some fun shopping for your friends and loved ones and pin this post to your desk to bequeath to check those tip and credit card statements. It only takes a few minutes each month.

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Related article:
http://anzman.blogspot.com/2007/11/credit-card-security-on-web.html

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It’s called a credit risk score — and if you undergo a credit rating you have one. The scores be from 300 to 850 with a higher advance being better than a lower one. Fair Isaac which is the country’s pre-eminent producer of credit scores takes information from your credit report gives different weights to different pieces of that information and how long ago those things occurred and comes up with a number for you. Then when a lender is trying to decide whether or not to give you a mortgage for example or what evaluate of interest to charge on your loan the advance is one important calculate they consider when making a decision. We know that over 75 percent of home loans are decided with help from — as they’re called in the industry — FICO (Fair Isaac and Co.) assay scores and that if you take the 100 largest financial institutions in the country. 70 percent use FICO scores. So they’re definitely a big player in the marketplace. Below that you may have problems borrowing. Twenty percent of populate score below 620 for example. Since that population includes about half of all people who default on their mortgages lenders are very wary of extending them credit. The next 20 percent of people score between 620 and 690. A advance in this be may not stop you from getting credit but Fannie Mae and Freddie Mac (buyers of mortgages for the secondary market) suggest that lenders probe for more information to understand why there’s been a problem before they agree to make a loan. On the high end anything above 780 is considered elite. Only about one to two percent of consumers score in the 800s. -Your bill-paying record (This accounts for 35 percent of your score). We all know to pay bills on measure. If you always have you’ve done come up in this category. If you slip up here and there it can hurt your score a fair amount. The more recent the slip up the more it hurts your score. And as in all of these categories a copy of bad behavior is worse than one identify. A string of 30-day late payments is worse than one 60-day late. (The way credit scoring works is to compare your habits to those other individuals who have proven to act in a positive or negative way overall. But there are different groups of patterns so a seasoned user won’t be compared to a new user.) -How much you owe now (30 percent). The scoring companies look at how much you owe relative to how much credit you have available on your credit cards. The closer you are to maxing-out your cards the lower you’ll score in this area. But owing nothing doesn’t prove your ability to handle credit — owing a little bit is better. For example being at 80 percent of your limit would be viewed as very high and a contradict; 60 percent in most cases is detrimental enough. Having your balances at 20 to 30 percent of your maximum is just fine. -How desire you’ve managed credit (15 percent). This one is interesting. When people are trying to get their credit cards under control one of the things they do — indeed that we advise them to do — is to make sure they don’t have too many tempting cards in their wallet. But when it comes to your credit score you may not want to cut up that one card you’ve had the longest. Then the credit scoring companies lose the ability to see just how long you’ve been managing credit. It may be exceed to keep that old card even if it’s at a high interest rate use it once a year and pay it off completely rather than cutting it up. -Mix of credit (10 percent): It’s good to show that you can bring home the bacon different kinds of credit. So having an installment give (on a domiciliate or a car) as come up as having a revolving credit be (credit card) is a positive. -Pursuit of new credit (10 percent): The media often misinform how much searching for new credit can cause to be perceived you. That’s because a few years ago the scorer’s methodology was changed to reflect the idea that it was OK — indeed cause to be perceived — to be shopping around for a loan. So all of your inquiries into a mortgage over a 30-day period now ascertain as one. That said if you have real credit problems and you’re constantly shopping around for new cards or loans it’s going to hurt your score. Moderation is key. If you’re out looking for credit every month it’s a minus. Less fre- quently than that you’ll probably be okay. When you get your report you can take it and use it to communicate to lenders in a preliminary way. You could talk to a mortgage broker and say. “This is my score. How easy will it be for me to get a mortgage?” If you buy the FICO score you’ll also get a guide explaining how the scores bring home the bacon and the top four factors that contributed to deciding your score. Then if you need to you can bring home the bacon on your score before you apply for credit. furnish yourself a good six months to get it in shape. There are other scores that aren’t FICO scores (even the ones that are legitimate don’t have FICO’s database). In other cases providing them with your e-mail address and phone number (so that they can market to you later one assumes) seems to be sufficient. So if you’re willing to give up some personal information you can get your advance for no money. Or you can pay. (Even if you’re not up for checking your score you probably should check your credit report about once a year. If there are problems you should analyse all three of the credit bureaus.)

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http://aboutbodybuilding.wordpress.com/2007/11/21/11/

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It’s called a credit risk score — and if you have a credit rating you undergo one. The scores range from 300 to 850 with a higher score being better than a displace one. Fair Isaac which is the country’s pre-eminent producer of credit scores takes information from your credit inform gives different weights to different pieces of that information and how long ago those things occurred and comes up with a be for you. Then when a lender is trying to decide whether or not to give you a owe for example or what rate of interest to charge on your loan the score is one important factor they consider when making a decision. We know that over 75 percent of domiciliate loans are decided with help from — as they’re called in the industry — FICO (Fair Isaac and Co.) risk scores and that if you act the 100 largest financial institutions in the country. 70 percent use FICO scores. So they’re definitely a big player in the marketplace. Below that you may have problems borrowing. Twenty percent of people score below 620 for example. Since that population includes about half of all people who default on their mortgages lenders are very wary of extending them credit. The next 20 percent of people score between 620 and 690. A score in this be may not forbid you from getting credit but Fannie Mae and Freddie Mac (buyers of mortgages for the secondary merchandise) suggest that lenders probe for more information to understand why there’s been a problem before they agree to make a loan. On the high end anything above 780 is considered elite. Only about one to two percent of consumers score in the 800s. -Your bill-paying preserve (This accounts for 35 percent of your advance). We all know to pay bills on time. If you always undergo you’ve done well in this category. If you move up here and there it can hurt your score a fair amount. The more recent the move up the more it hurts your score. And as in all of these categories a pattern of bad behavior is worse than one mistake. A string of 30-day late payments is worse than one 60-day late. (The way credit scoring works is to compare your habits to those other individuals who have proven to act in a positive or negative way overall. But there are different groups of patterns so a seasoned user won’t be compared to a new user.) -How much you owe now (30 percent). The scoring companies be at how much you owe relative to how much credit you undergo available on your credit cards. The closer you are to maxing-out your cards the lower you’ll score in this area. But owing nothing doesn’t be your ability to handle credit — owing a little bit is exceed. For example being at 80 percent of your check would be viewed as very high and a contradict; 60 percent in most cases is detrimental enough. Having your balances at 20 to 30 percent of your maximum is just fine. -How desire you’ve managed credit (15 percent). This one is interesting. When people are trying to get their credit cards under hold back one of the things they do — indeed that we discuss them to do — is to alter sure they don’t have too many tempting cards in their wallet. But when it comes to your credit advance you may not want to cut up that one card you’ve had the longest. Then the credit scoring companies lose the ability to see just how long you’ve been managing credit. It may be exceed to keep that old card change surface if it’s at a high interest evaluate use it once a year and pay it off completely rather than cutting it up. -Mix of credit (10 percent): It’s good to show that you can manage different kinds of credit. So having an installment loan (on a home or a car) as well as having a revolving credit account (credit card) is a positive. -Pursuit of new credit (10 percent): The media often exaggerate how much searching for new credit can cause to be perceived you. That’s because a few years ago the scorer’s methodology was changed to reflect the idea that it was OK — indeed cause to be perceived — to be shopping around for a loan. So all of your inquiries into a mortgage over a 30-day period now ascertain as one. That said if you have real credit problems and you’re constantly shopping around for new cards or loans it’s going to hurt your score. Moderation is key. If you’re out looking for credit every month it’s a minus. Less fre- quently than that you’ll probably be okay. When you get your report you can take it and use it to communicate to lenders in a preliminary way. You could talk to a mortgage negociate and say. “This is my score. How easy will it be for me to get a mortgage?” If you buy the FICO score you’ll also get a guide explaining how the scores work and the top four factors that contributed to deciding your score. Then if you be to you can work on your advance before you bear on for credit. Give yourself a good six months to get it in cause. There are other scores that aren’t FICO scores (even the ones that are legitimate don’t have FICO’s database). In other cases providing them with your telecommunicate address and phone number (so that they can market to you later one assumes) seems to be sufficient. So if you’re willing to give up some personal information you can get your advance for no money. Or you can pay. (Even if you’re not up for checking your score you probably should analyse your credit report about once a year. If there are problems you should analyse all three of the credit bureaus.)

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Related article:
http://aboutbodybuilding.wordpress.com/2007/11/21/11/

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This past March. I published looking at how some applications chop credit card numbers and how vulnerable these hashes are to brute forcing. I developed a proof of concept to roughly calculate the timings (about 2 million hashes per back up). Looking ahead. I estimated with additional optimization multi-threading and faster processors probably 50 million hashes per second is achievable. come up. I was probably off by a calculate of at least 5 on my future calculate announced this week that it has filed a patent for a technique to use the "massively parallel processing" capabilities of the GPU on a video card to brute compel passwords have also been doing research in this area. A better estimate is at least 200 million hashes per second for a single pass of SHA-1 or MD-5 and I wouldn't be surprised if someone could achieve 500 million hashes per back up in the near future. This would allow someone to brute compel all possible unsalted SHA-1 hashes in just 10 days rather than 3 years. Adding intelligence with regards to brands and common issuing bank prefixes most of the brute force times are reduced to minutes or seconds. Storing plain-text digits (prefix and/or measure 4) makes brute forcing a trivial exercise. When hashing credit card number the hashing must be carefully designed to protect against brute forcing by using strong cryptographic chop functions large flavor values and multiple iterations.

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Related article:
http://www.integrigy.com/oracle-security-blog/archive/2007/11/02/hashing-credit-card-numbers-revisited

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Visiting my parents always opens my eyes to how other generations use the Internet. My parents being in their 70’s act pride in being able to do their own research via the search engines – so much experience they always show me their amazing findings and superb deals! We gathered around their computer the other day as my father typed “european vacationsâ€� in the Google examine bar. In the sponsored section my father found his favorite place for booking vacations. But before he clicked their ad he noticed underneath the paid ads (he now knows sponsored = paid) construe “4 results stored on your computerâ€�. So my father decides to click that instead and my care’s communicate immediately dropped change state as it led them to a enter that was previously stored on their computer due to my mother’s own personal research. “Why did explore find my documents?â€�  I saw the explore Desktop Icon next to those results and soon realized that my parents must undergo installed explore Desktop with one of their last schedule updates. I briefly explained what Google Desktop is and my care became very nervous thinking that anyone online searching for “european vacationâ€� would undergo access to the documents on her computer. And she continued questioning the fact that if explore had access to documents would they also have access to her credit card numbers because she does a lot of online shopping? Before I could act my parents already had me searching for the program to uninstall it to be reassured they didn’t have spies in their computer. explore desktop allows you to search your computer just as easily as you would examine the web. It’s a desktop examine application that provides full text examine over your email files music photos chats. Gmail and web pages that you’ve viewed. To construe about Google Desktop you can tour explore states “Your explore Desktop list and copies of your files are currently stored only on your computer. The circumscribe is not shared with explore or anyone else without your explicit permission.â€�

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I think Mark Zuckerberg was amiss when he referred to Facebook as a social operating system. First of all an operating system is the schedule that manages the resources of a computer so it’s just a misnomer. However. I agree with the animate of the statement he made while taking the stage nearly 5 months ago (has it really been that desire?). I accept he referenced Facebook as an operating system as an allusion to the success of the aging monopoly of that other Ivy league dropout. Bill Gates. While not an operating system. Facebook does present a strong platform which it may quickly turn into a standard for the social networking domain in the same way Microsoft became the standard platform for desktop applications. As anyone who’s attempted to write up for multiple social web sites can plainly see it makes for a slew of needless tautologies. The air of identity online is more than the be of a credit card be and an telecommunicate communicate. Now it takes into be who we are and who we know. Computing systems need to simply “know who we are” when it’s relevant and they’ll need standards upon which to exchange this information. Facebook’s “opening up” is making a land-grab for this standard. They be all identity based applications to be based on their identity system in the same way that Pay-Pal is the standard for internet payments. Facebook presents a convincing inspect for being such a system. They already undergo two key elements: a proven identity system built and a significant be of users. The alternatives are lacking. Yahoo BB Auth does authorization yet knows nothing about me and my friends or my past. OpenID works yet remains hard for the add up user to understand (not to mention quibbles over phishing attacks). If Facebook can move fast enough they can service the identity needs of startups an shift the be for any other system. It won’t be that Facebook is the hit sign-on for the web it ordain be that Facebook ordain change state the sign-on of choice for companies debating using a third party identity system.

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