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Online Trust Failing Overall

twitter writes "The BBC and ZDNet are reporting on an RSA poll of 1,000 users about failing confidence in ecommerce. 43% of respondents were reluctant to give details to online sites and 70% said that firms were not doing enough to keep their data secure. The BBC goes on to quote experts who back up the perception, ZDNet claims that action is being taken and is well."

197 comments

  1. Is well what? by WVDominick · · Score: 3, Funny

    ZDNET is well?

    1. Re:Is well what? by SmokeHalo · · Score: 2, Funny

      They just wanted to let you know, in case you were worried.

      --
      I'm not good in groups. It's difficult to work in a group when you're omnipotent. - Q
    2. Re:Is well what? by ggvaidya · · Score: 1

      Editors messed up the punctuation, as usual. It's supposed to be "ZDNet is, well ..." with a significant silence at the end.

  2. I dont mind by Anonymous Coward · · Score: 3, Funny

    I was born in 1984, a body builder making over 250k a year. Female and my occupation is the fist item in the drop down list. Whats the problem you guys have?

    1. Re:I dont mind by Anonymous Coward · · Score: 0

      The "fist" item? I think that we've got the problem right there.

    2. Re:I dont mind by bradkittenbrink · · Score: 3, Funny
      Female and my occupation is the fist...

      I stopped reading right there, start over please?

    3. Re:I dont mind by Anonymous Coward · · Score: 0

      Stoopid. you were supposed to wait until it got modded funny to catch that.

    4. Re:I dont mind by Anonymous Coward · · Score: 2, Funny

      I should wait for the crackheads to find it first? It'd probably get a couple of Insightfuls and a Flamebait, then some chickenshit would chip in an Overrated, and it would be right back to where it started. Depend on the moderators? Have you gotten into their crack supply?

    5. Re:I dont mind by nacturation · · Score: 2, Funny

      Female and my occupation is the fist item in the drop down list.

      So... you're "Flat"? Perhaps "-1: 40 comments"? Or would you rather be "Oldest Fist"?

      --
      Want to improve your Karma? Instead of "Post Anonymously", try the "Post Humously" option.
    6. Re:I dont mind by Tackhead · · Score: 1
      > > Female and my occupation is the fist item in the drop down list.
      >
      >So... you're "Flat"? Perhaps "-1: 40 comments"? Or would you rather be "Oldest Fist"?

      I was going to pay homage to Hunter S. Thompson by writing an article on the fist post phenomenon. I started with a Google Image Search for "gonzo fist".

      Heh. Not quite what I was expecting. But it'll do.

  3. Sheesh... by 14erCleaner · · Score: 5, Insightful

    Most people who distrust internet commerce will gladly hand their credit card over to minimum-wage waiters, who disappear into the back room of the restaurant with it for ten minutes. It's all a matter of image and perception.

    --
    Have you read my blog lately?
    1. Re:Sheesh... by Tony+Hoyle · · Score: 3, Insightful

      In any good restaraunt this does not happen. You are invited to follow the waiter to the till whereupon he swipes the card and invites you to sign for it.

      I'm not sure I'd want to eat at a place where the waiters were allowed to disappear with credit cards for several minutes - they should be in view at all times.

    2. Re:Sheesh... by BitwiseX · · Score: 5, Insightful

      You beat me to this one. I would GLADLY use my CC over the internet before I would give it to a waiter, cashier, etc. There is little or no difference. Do you have any idea of knowing what happens to those CC slips your local Mom & Pop restaurant process daily? About as much as you have of knowing what happens to your CC# once you buy something at amazon.com. Why all the paranoia? 6 of 1, half a dozen of the other. Put your faith in your CC company and their fraud prevention.

    3. Re:Sheesh... by Anonymous Coward · · Score: 0

      I don't know where you live, but I've NEVER ate at a restaurant where I was invited to follow the waiter / waitress.

    4. Re:Sheesh... by donnyspi · · Score: 2, Informative

      In most restaurants, even nice 4 and 5 star ones, they disappear with your CC. I have never seen people get up after putting their CC in the black leather folder thingy and follow the waiter to the register. I'm sure you are legally allowed to, but never really invited to.

    5. Re:Sheesh... by ArmchairGenius · · Score: 4, Insightful
      Very good point. The credit card companies are responsible for fraud, so while I obviously am careful about who I give my CC info to, I am not all that worried about it being on some company's database out there in cyberspace.

      Everyone should look at their monthly bills and notify the CC company of any erroneous/fraudulent charges. Then the CC company can take that up with the vendor that made the charge. It's the beauty of using a credit card.

    6. Re:Sheesh... by DrinkingIllini · · Score: 1

      Where are you going to eat then? I don't think I've ever been to a restaurant where you follow the server. Oh and what about gas stations? The one I worked for printed the full account number right on the receipt, so I could have taken about 50 or 60 account numbers a day if I really wanted to, not to sure what I'd do with them though.

    7. Re:Sheesh... by blowdart · · Score: 1

      Actually in the UK now they have wireless machines into which you slot your card, the chip in the card authorises itself and the machine, then you type in a pin after confirming the amount.

    8. Re:Sheesh... by gambit3 · · Score: 2, Informative

      I agree. I also think of all those times people give their SSN to work-study college students because that's what the university uses as ID. I know some of that is changing, but in some places it is still widely in use.

      Like the parent poster said.. it's all a matter of perception.

    9. Re:Sheesh... by Anonymous Coward · · Score: 1, Insightful

      An excellent point, however there's a fine disctinction to be made here. If a local waiter lifts your card number, said person is probably going to be a lot easier to track down and deal with than if some script on a webserver harvests your number and emails it to who-knows-where.

      Don't get me wrong, I use my card on the net with condifence all the time - but the fact still remains, that there is a difference.

    10. Re:Sheesh... by Scoria · · Score: 1

      You're right. On a related note, the better Web interfaces can also ensure trust. This trust, I believe, is often false; unfortunately, as a general rule, card numbers that are being "remembered" by the transaction server are being "remembered" insecurely. Although Verisign would have you believe otherwise, the transaction information must be decrypted at some point. In this case, the chain really is only as strong as its weakest link.

      --
      Do you like German cars?
    11. Re:Sheesh... by Anonymous Coward · · Score: 0

      What exactly can someone do with your ssn? Applications and forms are the only place I've ever used mine. I guess some places use it as a secondary form of id (like web sites asking for your last 4 digits). What else could someone do with it?

    12. Re:Sheesh... by Ford+Prefect · · Score: 1

      Actually in the UK now they have wireless machines into which you slot your card, the chip in the card authorises itself and the machine, then you type in a pin after confirming the amount.

      It's still possible to get by with just a signature, as before - I only know this because I can never remember my PIN.

      Still works in continental Europe as well, fortunately, where they've had the PIN system for a while. :-)

      --
      Tedious Bloggy Stuff - hooray?
    13. Re:Sheesh... by nacturation · · Score: 4, Insightful

      You beat me to this one. I would GLADLY use my CC over the internet before I would give it to a waiter, cashier, etc.

      Same here. I think for most people, though, it's really just a fear of the unknown. Their credit card gets whisked off to some magical technological storage and they can't see what's happening. Even though they don't understand what really happens, their concerns are somewhat justified. There's a different scale of fraud possible when your credit card number gets stored in an online database vs. a waiter writing down the number.

      In the case of a waiter, barring organized crime rings, your card might get used to order a couple of items and that's about it. With an online database, if that site gets hacked your number is now likely circulating amongst various hacker groups and could easily be used to rack up a lot of charges.

      However, in either case your remedy is the same. Contact your credit card issuer, dispute the charges, then they go after the merchants who have to prove that a transaction was made by the owner. If they haven't swiped your card through their terminal and obtained your signature, then the merchant loses that money. Unfortunately, it's always the merchants who take the largest risk in accepting credit card payments.

      --
      Want to improve your Karma? Instead of "Post Anonymously", try the "Post Humously" option.
    14. Re:Sheesh... by Anonymous Coward · · Score: 0

      you can follow them sure, but that doesnt mean they wont swipe it on that premise.

      they have automatic readers, battery operated that will storethe info pretty much instantly. how do you know they dont have one of those under their appron./

    15. Re:Sheesh... by nsasch · · Score: 1

      I keep track of all CC receipts seperately from all other receipts. Then, when the bill comes in, I carefully require each receipt to match up perfectly with the itemized bill.

      --
      Make your computer faster: rm -rf /mnt/windows/
    16. Re:Sheesh... by Anonymous Coward · · Score: 0

      In a really good restaurant, you're invited to the back room for an after-dinner blowjob.

    17. Re:Sheesh... by nacturation · · Score: 1

      In any good restaraunt this does not happen. You are invited to follow the waiter to the till whereupon he swipes the card and invites you to sign for it.

      I've never seen this, and I've eaten at some very expensive places. What restaurants have you been to that do this?

      At any rate, I can see this being a benefit to the customer. Not only can they verify that the waiter isn't going to copy down the number or scan the front and back of your credit card (even though it's still possible to write down the info from the store's copy of the receipt) but it also has the side benefit that if you're near your limit and the charge gets declined, you can use another card or payment method without the waiter having to come back and embarass you with "Uh, sir... your card wasn't accepted". You can run down the road, hock your boss's laptop at the pawn shop, and then pay the bill in cash without any embarassment at all.

      --
      Want to improve your Karma? Instead of "Post Anonymously", try the "Post Humously" option.
    18. Re:Sheesh... by jacquesm · · Score: 1
      yep, you're on the money.


      The rules and regulations an IPSP has to put up with border on the draconian, whereas a department store has as much or more vulnerable information lying around and don't even have minimum oversight.


      It's interesting to see VISA and Mastercard do everything they can to push responsibility away from themselves whereas they are the *only* party that has the information to stop online fraud in its tracks.

    19. Re:Sheesh... by Anonymous Coward · · Score: 0

      I agree. The waitresses should be in view at all times. In fact, they should be naked, so that we can be sure that they're not hiding a card-swiping machine under their clothes. Women are so sneaky!

    20. Re:Sheesh... by D-Cypell · · Score: 1

      Unfortunately, it's always the merchants who take the largest risk in accepting credit card payments.

      Not so anymore. At least not in the UK. There are schemes in place that will move the vast majority of fraud liability on to the card issuers. It will mean a few more hoops for e-commerce transactions (specifically the entering of a password by the card holder) but I can tell you that there is a LOT of interest in this scheme.

    21. Re:Sheesh... by qray · · Score: 1

      And even if you walk back there, how do you know the thing that's reading your card is on the up and up? Is it really calling a real clearing house? You've been living under a false sense of security if you believe watching everything makes it more secure. Do you believe magicians really saw people in half?

      --
      troctu nustric motrim grocknor

    22. Re:Sheesh... by nine-times · · Score: 4, Insightful
      I can think of one difference: I know that the restaurant I'm in is the restaurant I mean to be in. As far as I know, there hasn't been much reason to worry about "fake" restaurants that take your credit card numbers and then don't bring you food, and when you call the authorities, the storefront evaporates. I guess someone could try a scam like that, but I haven't heard of it being much of a problem.

      But web pages? Most people can't really tell the difference between a real store's site and a fake page designed to look like a real store's site. Plus the ettiquite of net behavior isn't as firmly set in people's mind. If the waiter from the restaurant shows up on your doorstep saying, "Ummm.... yeah, I'm gonna need your credit card for a few more minutes, for the restaurant, I mean," you'd know it was fishy. But a convincing-looking e-mail claiming to be from ebay, people don't know the difference between that and a real e-mail from ebay.

    23. Re:Sheesh... by MindStalker · · Score: 1

      You can apply for a credit card with it, and if you really know the system you can get a valid drivers license and other forms of ID and litterly become that other person. Its called identity theft, generaly its done with SSN.

    24. Re:Sheesh... by Tony+Hoyle · · Score: 1

      I've *never* seen the waiter disappear with my card. I wouldn't allow them to if they tried.

      Maybe it's different in the US.. there's probably some kind of law about it here (lots of laws dealing with credit cards here.. far too many for some - it's still not unusual to find that they're not accepted - eg. my favourite eatery is cash/cheque only).

    25. Re:Sheesh... by Tony+Hoyle · · Score: 1

      Yes a lot of places stil print the full CC number - even large stores (although it's getting fewer than it used to be). Of course they don't print the expiry or CVE so you're still relatively safe.

      I generally don't shop in such places (I usually make a point of complaining when it happens. If enough people do that the stores can - and do - change).

    26. Re:Sheesh... by Seumas · · Score: 2, Insightful

      Who are these idiots that are being ripped off? I just don't get it. They are basing their belief on nothing but fear-mongering media reports. I do tens of thousands of dollars of business online every year - from groceries and paying bills to buying computer equipment, sending flowers and making donations.

      I have never been ripped off in any way whatsoever and the few times I've had problems with a party, VISA has been quick to handle it for me.

      Yeah, if you buy stuff on an auction site from a guy in Norway selling laptops through Western Union, you're probably going to get ripped off. But do you really think that Safeway.com, Amazon.com, CDBaby.com or your power and cable company are going to rip you off?!

      Keep track of what you buy and keep an eye on your online statements every week and you should be fine. Honestly, it isn't that damn difficult.

    27. Re:Sheesh... by Tony+Hoyle · · Score: 1

      They're not wireless - at least not the ones I've seen anyway (just after launch a friend managed to pull the wire too far on one and it sprung back, taking the carefully laid out display with it... Broke it, too).

      If they were I *definately* wouldn't use one without some proof the encryption was damned good.

      I currently don't because the design of the machines is total crap - there's no privacy when you type in your pin so everyone around can see what it is... which ends up being *less* secure than signatures. There's also the small matter of the shift in liability - if someone gets your PIN and spends money *you* are liable not the CC company or retailer any more.

    28. Re:Sheesh... by robertjw · · Score: 1

      They can pay your taxes. That's why I give my SSN out to everyone I possibly can.

    29. Re:Sheesh... by ricka0 · · Score: 1

      Yep... I watched someone do it once. It was a new art place that was there one day and gone the next. The guy swiped the card in a fanny pouch type thing as he was walking to the register. I was with 4 other people and no one else noticed what he did. I had my friend cancel the transaction and went to the car and called the police and had him call his CC company to immediatly cancel it as well. It was a big issue in the city I was in and although all my friends knew about the issue none of them caught it.

    30. Re:Sheesh... by Tony+Hoyle · · Score: 1

      ..and do you know Amazon are using a real clearing house? Are you sure your ISP isn't capturing all your traffic and grepping for numbers? When you put money in the bank are you *really* sure the cashier is putting the money in and not pocketing it?

      FFS you have to trust at some point. Observing reduces the scope for fraud (also a reason why the cash tills are always out in the open and viewable by several members of staff simultaneously)... it doesn't remove it, but you have then done the best you can.

      I also always check the bills and match against receipts - have caught at least one place trying to double charge before now. It's really bad news for the store when that happens... the CC companies will remove their right to take CC if they are seen to do that too often (seen it happen.. it's not pretty).

    31. Re:Sheesh... by QMO · · Score: 1

      Someone that answered phone sales calls for Sears, before they got rid of their catalog business, was fired for copying down customer credit card numbers and purchasing stuff for themself with them.

      --
      Exam 4/C again. Maybe I'll do better this time.
    32. Re:Sheesh... by kamileon · · Score: 1

      It is vastly different in the US. It would be considered rude for the waiter to ask you to do any work towards signing the check. They pick up the card, whisk it away, and return with the receipt for you to sign, generally while you're polishing off dessert or drinks. You're expected to sit and relax.

      The only restaurants in the US that have you go to the till to pay are really cheap nasty diners.

      --
      To truly understand recursion, you must first truly understand recursion.
    33. Re:Sheesh... by rbanffy · · Score: 2, Insightful

      I was discussing this with my mother yesterday. She doesn't trust computers to the measure she goes to the bank to pay her bills and is horrified that I pay almost all my bills without leaving my chair (Brazil has an excellent banking system, with all banks connected to each other since early 70s and able to conduct to-the-minute money tranfers very easily). To her, my advice was "know the tools you are using". If you have no idea of what a post card looks like or how it works, you may think that a secret written on one is safe.

    34. Re:Sheesh... by qray · · Score: 1

      Observing reduces the scope for fraud (also a reason why the cash tills are always out in the open and viewable by several members of staff simultaneously)... it doesn't remove it, but you have then done the best you can

      Well it does eliminate one failure point. I've never actually seen anyone do this, nor has anyone at a restaurant made such an offer to me. But I still don't think it would make me feel any safer.

      At least with the credit card companies coming down hard on vendors it makes it more worth their effort to police their own employees.

      --
      grosnick pardrock nadorf tugro

    35. Re:Sheesh... by cayenne8 · · Score: 1
      "I keep track of all CC receipts seperately from all other receipts. Then, when the bill comes in, I carefully require each receipt to match up perfectly with the itemized bill."

      Wow...that MUCH better than I do...hell, I haven't opened a bank statement or balanced my checkbook in about 4 years...

      ...much less open a charge bill and compare it. I phone in for my balance right before I start paying bills (all but 3 online)...and subtract as I pay from that total bank told me I had. I supposed if one of the CC bills sounded really high, I'd look at the monthly details, but, otherwise, I rarely look at the charges...

      I keep a running total in my head usually...so I know about how much each should be..

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    36. Re:Sheesh... by swv3752 · · Score: 1

      That happens in lots of places, but it is most common with restaurants.

      The on time this happened to me, it was traced back to using my card at a Restaurant. Seeing how it was a debit card never used online, it had to be a brick and mortar store. Fortunately, Visa Fraud Prevention caught it and the only inconvience to me was waiting a week for a new card. It's happened to over half my acquaintances this way.

      There is or was an organized crime ring out in Miami that was encoding thier own CC with the stolen numbers. One of the big scams was using them at gas stations.

      --
      Just a Tuna in the Sea of Life
    37. Re:Sheesh... by iminplaya · · Score: 1

      Put your faith in your CC company and their fraud prevention.

      Oh yeah. That makes me feel a whole lot safer. Maybe Paymaxx and Choice(what?) are even more trustworthy. I'll put my faith in the wad of cash I have in the safe, thanks. If I need something from the net, I'll call a friend and let him use his card. When we can use phone cards to make payments, I might pick up some of that faith. That way no ID thief that can mess with my (no)credit rating.

      --
      What?
    38. Re:Sheesh... by gg3po · · Score: 1

      I invariably hear this argument brought out whenever the security of online purchases is brought into question. The response I'm supposed to have runs along the lines of: "Oh, yeah, you're right... the restaurant is just as insecure... I guess that means I can buy stuff on the internets, again!". To me this logic is flawed. First of all, it is assumed that I am already paying via CC when I eat out (I always pay with cash for this very reason). Such an argument doesn't convince me that the internet is any safer, but rather seems to be an admission of it's insecurity, as well as that of the restaurant waiter scenario. Rather than running out and buying things on the web, I'm more reinforced in my decision to just pay with cash at restaurants, *and* maintain abstinence from online purchases.

      --
      ---
    39. Re:Sheesh... by JThundley · · Score: 1

      The difference is that the waiter is in the room with you, and is on file as working with that restaurant. Purchasing online may take place in another country where you cannot persue your defrauder.

    40. Re:Sheesh... by Anonymous Coward · · Score: 0

      "I can think of one difference: I know that the restaurant I'm in is the restaurant I mean to be in. As far as I know, there hasn't been much reason to worry about "fake" restaurants that take your credit card numbers and then don't bring you food, and when you call the authorities, the storefront evaporates."

      True, but did you really order the 70" plasma TV, the 20" high-powered dildo and the walrus polishing kit (cleans even the trickiest of seabound mammals)?

      Fine, so you got your food and you paid your money. Who's to say that they didn't also copy your name, cc#, expiration date and the security code on the back while they were ringing up your bill? Your credit card was out of your hands and out of your sight for a while. That doesn't exactly seem any more secure than ordering from Amazon, etc.

      If people are going to be paranoid about using their cards online, then they really should be paranoid about that sort of thing, too...

    41. Re:Sheesh... by jfsather · · Score: 1

      Exactly. McDonalds does it as I'm stading right there. Of course they swipe it before I've even gotten my food, but they _are_ only a moderately good restaraunt.

      -J

    42. Re:Sheesh... by kaiidth · · Score: 1

      A lot of companies now refuse to take a signature on UK cards. Which irritates the living daylights out of me, although on the plus side it has done great things for my credit card bill and incidental spending problem, because my credit card PIN is one thing I have never been able to remember. They shouldn't refuse the signature, by the way; according to the Chip and Pin website, You can continue to use non-chip and PIN cards in all outlets, and you will be asked to sign for goods, just as you always have done...If you have had a problem using your card, and perhaps not been permitted to sign, please let your card issuer know.

      A good trick is to learn to type your PIN with one hand whilst actually holding your other hand over the keypad. One ought to do this at cash machines anyway, given the high incidence of suspect devices, card number skimming devices and so on; most of them depend on a camera of some kind to gain your PIN. Or so I am told.

      My personal reason for loathing the system is the confusion it seems to cause to shop assistants at the till, each of whom seems to have a very different idea about which part of the transaction is the customer's job. If you slot the card into the machine yourself, one chance in two you'll get a frown from the till person as if to indicate that you're taking away his or her glory. If you extract the card from it yourself, you risk similar consequences. And yet if you don't, you risk being told that you ought to have been following the instructions on the card handset ('Remove Card'). Shopping interaction politics at its worst.

    43. Re:Sheesh... by kaiidth · · Score: 1

      Mmm.

      See, I don't pay large restaurant bills in cash because I have a policy about not carrying around more than say twenty pounds in cash at any one time. This is because I have discovered from an inconvenient mugging that carrying large amounts of cash is inherently insecure.

      I mention this to underline the point that carrying around large amounts of cash in any form, virtual, electronic or literal, is an inherently hazardous enterprise. The difference of course is that if one's Visa gets nicked, one can cancel it, whereas no similar solution exists for cash. Thus the origin of travellers' cheques and plastic.

    44. Re:Sheesh... by Anonymous Coward · · Score: 0

      Or they will take the portable swipe-thingy to your table.

    45. Re:Sheesh... by lew3004 · · Score: 1

      I think a better rule of thumb is to "opt-out" of the usual authorization for emails when setting up any account. If you get an email from that company you know something is amiss. Better yet, just don't respond to those emails or even attempt to access them through the attached link.

      --
      I still can't get the screen shots of Castle Wolfenstein for the Apple IIe out of my head.
    46. Re:Sheesh... by piltdownman84 · · Score: 2, Interesting

      On BC Ferries (Operates in the waters around Vancouver) the cafeteria use to (might still do this) print not only your entire CC number but also your expiry date on the receipt. To make matters worse, instead of letting you dump the contents of your finished tray into a trash, they have shelves to put your empty trays on. So if your were not paying attention you would leave your receipt on the tray, where anyone could grab it.

      Over the years I complained to everyone from the cashier, to the chief Stewart, to the Consumer Relations guy. Never say a change. Don't know if they ever fixed the problem, as I don't catch the ferry very often now, and when I do I'm cash only. Now that I think of it I'm catching the ferry on Sunday to visit my brother, maybe I'll check to see if they still do, and if they do I'll write into the local papers as well as their head office.

    47. Re:Sheesh... by nine-times · · Score: 1
      Sure, there are ways to handle it, but my point was more about the inherent difference in investment and difficulty of making a misleading web page vs. building a entire fake restaurant, as well as the difference in difficulty of covering your tracks after the fact.

      Building a restaurant means leasing a space, buying materials, passing building/health codes, paying a staff. After that large an investment, you have a better chance at making money by operating the restaurant then stealing your customer's credit cards. If you did steal credit cards, there would be credit applications, someone's name on the lease, and the owner would lose his investment.

      But building a website takes half a brain and an hour of work with a text-file editor. Sure you need some web space to post it, but that can be gotten around.

      So what I'm saying is, yes, there are ways to be careful on the web. However, if you believe your in as much danger handing over your credit card at a random restaurant as you are putting your credit card into random websites, I don't believe you've really evaluated the situation.

    48. Re:Sheesh... by Guppy06 · · Score: 1

      The wage-earner may or may not be putting your credit card information in a database. The online retailer is, as a course of business, definately putting your information into a database.

      Also we're not just talking about financial security, we're also talking about collecting demographics on you as well as your personal contact information and selling it off. The only possible analogy is if the waiter also insists on taking your driver's license back there with him, and then he copies everything on it to sell to the highest bidder. After all, that's not fraud, that's marketing.

    49. Re:Sheesh... by ObsessiveMathsFreak · · Score: 1

      Put your faith in your CC company and their fraud prevention

      Or you could just not use a credit card at all. It's easy!

      --
      May the Maths Be with you!
    50. Re:Sheesh... by gg3po · · Score: 1

      I have a policy about not wasting hard-earned money on expensive restaraunts when a nice, back-alley taco stand will do :-) You don't have to carry large wads of cash to eat well.

      --
      ---
    51. Re:Sheesh... by Lars+T. · · Score: 1
      With an online database, if that site gets hacked your number is now likely circulating amongst various hacker groups and could easily be used to rack up a lot of charges.

      Not that you have to order online to get your card number into an (not really meant to be) online database.

      --

      Lars T.

      To the guy who modded me down from perfect to terrible Karma - Apple haters still suck

  4. A lot of the problem is bad design by hsmith · · Score: 4, Interesting

    or not taking the security concerns seriously. If you are saving peoples Social Security Numbers and CC Numbers then you should be encrypting that data. Venture to guess how many places actually encrypt that in a database?

    But then again i would say most larger places do take these steps. More often than not I won't buy from somewhere I am unsure of or if they are not in the http://www.bbb.org/. Plus, how many people know how to always use SSL when sending sensitive stuff? I would venture my grandparents and mother have no idea.

    On a side not to the last statement, i would like to say, office depot does NOT use SSL for their secure communications when you order something from in store.

    1. Re:A lot of the problem is bad design by rdavidson3 · · Score: 1

      hmmm. iDownload (one of my personal favorite spyware companies) is listed on the www.bbb.org

      I wouldn't give them a Credit Card # / Personel information / Time of day if my life counted on it.

    2. Re:A lot of the problem is bad design by 14erCleaner · · Score: 2
      About SSL: when was the last time you heard of somebody's credit-card info being abused by a bad guy who intercepted it in transmission?

      The real problems tend to be mass loss of data from insecure servers, and I'll bet most of them are inside jobs. The Internet isn't really much different than the real world, just more spread out and anonymous.

      I'm personally more worried about somebody tapping into my saving and investment accounts than my credit-card transactions anyway. I try not to have any of those (investment accounts) enabled for online access, since the losses could be pretty big if somebody gets at them. I'm probably whistling in the dark here... :)

      --
      Have you read my blog lately?
    3. Re:A lot of the problem is bad design by Anonymous Coward · · Score: 0

      what is wrong with iDownload. Didn't you read the legal notice they are not spyware.

    4. Re:A lot of the problem is bad design by EnronHaliburton2004 · · Score: 3, Informative

      or not taking the security concerns seriously.

      In my experience during the last few dark years of the dotcom bust, too many of the people responsible for security were canned. I had to quit my last job after 6 months because my suggestions on security -- Simple things such as "Don't use Telnet. Use SSH." and "You really shouldn't 'chmod -R 777' everything", were seen as a barrier to progress.

      I speak to too many technical managers who don't understand why opening non-anonymous FTP is a bad thing, when everything else is done over SSH or a secure VPN connection. When I discuss SFTP, they scratch their head and drool a little bit, and it's clear they don't understand the threat of cleartext passwords ...

      Scary...

    5. Re:A lot of the problem is bad design by nacturation · · Score: 1

      Venture to guess how many places actually encrypt that in a database?

      And of the places that do encrypt your data in the database, how many of those store the decryption key on the same machine? +5 hack bonus if they use symmetric encryption. Unless they encrypt the info with a public key, then transmit the data to another hardened, not publicly accessible server which decrypts it with the private key and processes the transaction, what good is it?

      --
      Want to improve your Karma? Instead of "Post Anonymously", try the "Post Humously" option.
    6. Re:A lot of the problem is bad design by patman600 · · Score: 1
      Plus, how many people know how to always use SSL when sending sensitive stuff? I would venture my grandparents and mother have no idea.
      Have you tried teaching them? My grandmother knows to use it. She doesn't know what SSL is, and we didn't try explaining it, we never even brought up that term. All we said was "when sending credit card information, look for this little icon of a lock in the corner of the browser window. If it's not there, someone may be able to steal your information."
  5. just a different front-end by a11 · · Score: 1

    The problem is the concept of ecommerce. Online transactions are just a different , cheaper frontend for a store. It's cheaper to maintain and market, there are less startup costs, but you still have to sell something: goods or services. The common misconception is the web front-end alone will create some kind of revenue flow.

  6. Not just online by Turn-X+Alphonse · · Score: 2, Interesting

    I think society as a whole doesn't trust any companies any more. Everyone is so sick of the Government screwing them over and companies ignoring the laws these Governments got paid (by other companies usually) to put in place. Lets face it, I don't trust anyone I can't blackmail or back stab and get back whatever I've give them. The world has become like that and it's getting worse and worse.

    --
    I like muppets.
    1. Re:Not just online by Shadow+Wrought · · Score: 1
      Lets face it, I don't trust anyone I can't blackmail or back stab and get back whatever I've give them.

      "Thank you, thank you very much. As I accept this award tonight, I'd just like to say that I am only as good as all the people I stepped on to get where I am today. Thank you!"

      --
      If brevity is the soul of wit, then how does one explain Twitter?
    2. Re:Not just online by LibrePensador · · Score: 2, Insightful

      This country must have gone down the drain if cynics like you are moderated "+4 Insightful".

      If friendship or loyalty are not real to you in any tangible form, one day you may realize that you have nothing left to go on for, hence, you will not.

      Get out into the world. Do a bit of community service, create LTSP installations out there, build stuff that people can use and along with the stuff you build, you will build bonds and friendships that will last you a lifetime.

      You appear to be the epitome of capitalism's alienation. It doesn't have to be that way!

      --
      Pragmatism as an ideology is not particularly pragmatic in the long term. Keep it in mind when you dismiss Free Software
    3. Re:Not just online by Turn-X+Alphonse · · Score: 3, Insightful

      You miss the point. I trust the guy nextdoor, I trust the lady down the road, I trust my friends. I don't trust the world outside of this because it's clearly put "we want your money, heres a brainwashing so we get it".

      Take it how you want it.

      --
      I like muppets.
    4. Re:Not just online by aspx · · Score: 1

      Trust no one.

  7. What's not to trust? by Anonymous Coward · · Score: 3, Funny

    I just got a really nice email from a DR. VICENTE A. SOUSA from the DEPARTMENT OF OIL & DOWNSTREAM SECTOR in ANGOLA.

    Very polite, humble (he even SAYS so) and ... you know, the email was really long with all sorts of details (kind of like those agreements when you put a CD in the computer) so I just said yes because it's supposed to be easy money. :)

  8. lots of large scale compromises lately by ArbitraryConstant · · Score: 5, Interesting

    While I'm somewhat surprised the average user pays attention to such things, I'm not surprised trust is failing in light of recent large scale compromises.

    Until the industry as a whole adopts a strategy of preventing compromises, this is not going to improve. Most companies would rather pay a PR guy to fix their image after the fact than a security consultant to keep it from happening in the first place. That's certainly not how I want my information taken care of.

    --
    I rarely criticize things I don't care about.
    1. Re:lots of large scale compromises lately by Anonymous Coward · · Score: 0

      Most companies would rather pay a PR guy to fix their image after the fact than a security consultant to keep it from happening in the first place.

      With good reason! Because we all have such short attention spans, it's cheaper to get people to forget a security breach than it is to prevent one. The only way to change this situation is to make having a security breach VERY expensive. We can either ask our government(s) to dole out fines, or we can organize ourselves such that things like this are NEVER forgotten. I don't know how we'll do either. 1) Corporations have more money, and therefore have better lawyers and more control over the government. 2) Life today seems to be moving so fast that our brains need short attention spans to cope with the information overload. Maybe it's just all that MTV...who knows...maybe it's always been this way.

    2. Re:lots of large scale compromises lately by Stonehand · · Score: 1

      The whole ChoicePoint shebang has been mentiond in both mainstream newspapers (the NYT, for instance) and television news programs (e.g. NBC mentioned it IIRC). Very high-profile mess. I understand their share price has even dropped something like 9% over this.

      It wouldn't surprise me much if the compromise of Ms. Hilton's phone book, etc were also widely known at this point; it's only been joked about on late-night for instance...

      --
      Only the dead have seen the end of war.
    3. Re:lots of large scale compromises lately by Daedala · · Score: 2, Insightful
      I disagree. The problem isn't online commerce; it's commerce in general. "Online" is a scapegoat. The industry has already lost your information. It's been gone for years. Commerce in general doesn't work, because it depends on information that everyone ought to know by now is not secret.

      I don't worry about online banking or shopping per se. I worry that someone can walk into a bank, say they're me, and buy a house with my credit rating. I worry that someone can order a plasma TV over the phone with my credit card to launder money. And yes, I worry that someone can apply for a new credit card in my name over the Internet -- but that's a subset of the problem. How can you make online commerce safe when commerce itself isn't safe?

      We need to prevent compromises, but that won't solve the problem. We need to make it harder for people to steal money armed with only a name and an SSN. Except without instant credit, the American economy would collapse, then the world, and then where would we be?

      --
      What I say does not represent the views of my employers, my friends, my cats, or myself.
    4. Re:lots of large scale compromises lately by iabervon · · Score: 1

      The big compromises haven't actually had anything to do with consumer online commerce. If you want to be safe, avoid having a credit rating or any income. Also, don't have a cell phone. But not much bad can happen if you use your credit card online (aside from the risk in having a credit card in the first place). Of course, the average user has no idea what the news is actually about, and probably doesn't understand what the survey questions actually are asking, either.

    5. Re:lots of large scale compromises lately by Anonymous Coward · · Score: 0

      I think you nailed it right on the head in your last few statements. We have become a society of credit from the White House down to Rent-A-Center; living off of it like it's money that's really there when it's not. The bankruptacy rate in the US has tripled in less than 10 years (for consumers), yet we base our whole social structure on money we don't have and on interest rates that we can never repay. Perhaps changing the lifestyle of spending and credit would help but not when the government is one of the biggest offenders. What actually ever happened to the "only spend what what you make" philosophy?

    6. Re:lots of large scale compromises lately by pipingguy · · Score: 1


      That, along with momentum, is one reason why MS Windows is still predominant. A manager that takes the resposibility of conversion to OO.org, Linux, etc. has noone to blame (even if he is saving the company's money) if things go wrong. With MS, fuckups can easily be blamed on the Bill and everyone will knowingly wink at each other and shrug shoulders.

      It's a great blame deflection strategy, and it works. "Nobody ever got fired for buying IBM".

  9. Change? by Bender0x7D1 · · Score: 2, Insightful

    From the article: "This survey demonstrates that awareness and action are replacing fear," Robert Holleyman, BSA's chief executive, said in a statement.

    How is awareness and action replacing fear when people are afraid to shop/bank online but don't handle their passwords any differently?

    Oh, wait... It was an executive who made the statement so all meanings should be reversed.

    --
    Reading code is like reading the dictionary - you have to read half of it before you can go back and understand it.
  10. Quotes from the BBC article: by TripMaster+Monkey · · Score: 5, Interesting
    Some [users] resort to using the same one for all their online accounts. Those who use several passwords often write them down and hide them in a desk or in a document on their computer.

    Dear God, ain't this the truth??? I'm a network admin at a large company (please don't ask which), and the password situation here would be laughable if it weren't so sad. I ran LC5 on our hash file here, and was shocked and dismayed at the number of passwords cracked within 10 seconds. I'm constantly finding passwords on sticky notes on monitors and under keyboards, and many users haven't even bothered to change the default Lotus password ('password') to something else! >:(

    Last year, a street survey found that more than 70% of people would reveal their password for a bar of chocolate.

    That seems to be about the right figure for users in my company.

    --
    ____

    ~ |rip/\/\aster /\/\onkey

    1. Re:Quotes from the BBC article: by Anonymous Coward · · Score: 0

      My first hand experience indicates it is closer to 90%. I've gotten rid of more chocolate this way!

    2. Re:Quotes from the BBC article: by A+beautiful+mind · · Score: 1

      You know what this means.

      Users need to stop blaming companies and start doing what THEY should do to protect THEIR own data. Security is a process, not a product and it includes securing someone's computer too. I bet the majority of cc thefts are from a virus/trojan not because someone played MitM with the user over TLS/SSL or hacked the bank.

      The users are mostly not aware of this, they need to be educated. Sadly windows makes people believe there are no knowledge required to use a computer and thats not even true in the case of that particular operating system.

      --
      It takes a man to suffer ignorance and smile
      Be yourself no matter what they say
    3. Re:Quotes from the BBC article: by Anonymous Coward · · Score: 0

      At a certain Phillips unit, it's the policy of the IT dept to write your password on a post-it and hide it under the keyboard. And I'm NOT kidding.

    4. Re:Quotes from the BBC article: by Fahrvergnuugen · · Score: 1

      strong passwords on sticky notes are better than weak passwords that aren't written down. the physical location of the sticky note is probably secure.

      --
      Kiteboarding Gear Mention slashdot and get 10% off!
    5. Re:Quotes from the BBC article: by Sycraft-fu · · Score: 2, Insightful

      Ya the LC thing is always enlightening. Where I used to work when we ran it it found 50% of the passwords instantly, as in not even trying a dictonary attack, just things like variations on usernames and so on that it always try. It was up to about 90% after the dictonary attack, and had all but three with the dictonary + varations.

      Fortunately, the passwords didn't really get you in to much other than the computers, however it was still a sad situtation, and not one the management had any intrest in rectifying.

      This is why we really need to get some kind of dual authentication system that uses like a smart card and a PIN. People will NOT use good passwords. A PIN + smartcard system would be pretty hard for people to get around. You'd have to find out the PIN and physically steal the smartcard, then use them before access was revoked. Certianly not impossible, but much easier than finding out a stupidly simple password and using it covertly.

    6. Re:Quotes from the BBC article: by Anonymous Coward · · Score: 0

      and many users haven't even bothered to change the default Lotus password ('password') to something else! >:(

      I would think that you would force the users to change their password at least from the default, if not on a semi-monthly basis.

    7. Re:Quotes from the BBC article: by obender · · Score: 1
      many users haven't even bothered to change the default Lotus password

      I know it sounds bad for a sysadmin but try to think their way: why should they secure it? Maybe they don't care about the security of the system. That is your job.

    8. Re:Quotes from the BBC article: by Cro+Magnon · · Score: 2, Funny
      Last year, a street survey found that more than 70% of people would reveal their password for a bar of chocolate


      Yeah, but the chocolate was delicious!
      --
      Slow down, cowboy! It has been 4 hours since you last posted. You must wait another few hours.
    9. Re:Quotes from the BBC article: by carcajou · · Score: 1

      Several years ago I worked installing IBM RS6000's for manufacturing companies. Each user was built with a default password, and the user changed the password to something they wanted on first login.
      Later, during system and software training, I would go over security, and one of the things I would do would be to have a friendly conversation with a user, then later, guess their passwords. Many were children's names, birthdays, or the name of a celebrity on a poster in their cubicle. With a few minutes on a keyboard I could get into at least half the people's accounts!
      We would then discuss security and proper passwords. Point is, the users were always surprised at how easy breaking into their account was...then these same people "don't trust" buying on the internet...

    10. Re:Quotes from the BBC article: by Beryllium+Sphere(tm) · · Score: 2, Insightful
      I'm constantly finding passwords on sticky notes on monitors and under keyboards
      You'd be surprised how little difference that makes to security. It's about three minutes worth. Somebody who's sweet-talked his way past your physical security can boot from CD and own the machine in three minutes, install a hardware keylogger in less than thirty seconds, or read a sticky note while walking by. Hiding the password, then, gains you at most a few minutes of intrusion resistance unless you've taken a lot of other precautions.

      I've actually made the heretical argument about password security that you should write your password down (though of course some place smarter than the monitor).

    11. Re:Quotes from the BBC article: by Blakey+Rat · · Score: 1

      That's because changing a Lotus Notes password is like a 10-step process and, under some circumstances, will make your stored ID files useless.

      Lotus Notes is a crappy piece of software. That's all there is to it.

    12. Re:Quotes from the BBC article: by Rob_Bryerton · · Score: 1

      Last year, a street survey found that more than 70% of people would reveal their password for a bar of chocolate.

      That's nothing; you should see what they'll do for a Klondike Bar!

    13. Re:Quotes from the BBC article: by Ernesto+Alvarez · · Score: 1

      I've actually made the heretical argument about password security that you should write your password down (though of course some place smarter than the monitor).


      You're not the only one saying that. Bruce Scheier seems to agree with you.

      Personally, if the system (the administrator himself or a password generator if the administrator must not know it) assigned their user's passwords (random, length directly related to sensitivity) and they were kept in their wallets the situation would be better than now.
    14. Re:Quotes from the BBC article: by lachlan76 · · Score: 1

      Personally, if the system (the administrator himself or a password generator if the administrator must not know it) assigned their user's passwords (random, length directly related to sensitivity) and they were kept in their wallets the situation would be better than now.

      Congratulations, you've come up with SecurID

  11. Re:Online trust? by Anonymous Coward · · Score: 0

    Yeah, timothy is going to be so pissed. That spot was all his until Zonk came along and stole it.

  12. I want some. by dauthur · · Score: 2, Funny

    I think the mistrust comes from people who never receive their Free Vi.a.gra Cheep! in the mail. It's such a shame, that M.ale_Enhanc3ment_P1ll sounded good to me.

  13. Isn't this good news? by sp3tt · · Score: 1

    If people trust the web less, then maybe it is a step forward for anti-spyware. Most spyware is after all installed on the computers of people who trust the new shiny sexy pr0n toolbar far too much.

  14. Who Cares? by EspressoMachine · · Score: 1

    I'm not liable for any $$ amount on my credit card or my debit. I'll say, though, I use debit card rather than my credit card. Why? Cause the bank doesn't have as much to lose as the CC company. With the bank it's all your money, with the CC company, it's their's until you pay it back, which means you have one more person in your corner - and with better lawyers, probably ;).

    --
    Despite conventional wisdom, I've discovered you can blame a guy for trying. It's called "attempted murder".
    1. Re:Who Cares? by ArsSineArtificio · · Score: 4, Funny

      I'm not liable for any $$ amount on my credit card or my debit. I'll say, though, I use debit card rather than my credit card. Why? Cause the bank doesn't have as much to lose as the CC company. With the bank it's all your money, with the CC company, it's their's until you pay it back, which means you have one more person in your corner - and with better lawyers, probably ;).

      Ladies and gentlemen: this is why you shouldn't trust any legal advice obtained from Slashdot.

      --
      All employees must wash hands before seeking equitable relief.
    2. Re:Who Cares? by EspressoMachine · · Score: 2, Informative

      I use debit card rather than my credit card.

      Oops. I'm dyslexic. Make that vice versa. I use my credit, rather than my debit.

      --
      Despite conventional wisdom, I've discovered you can blame a guy for trying. It's called "attempted murder".
    3. Re:Who Cares? by mcc · · Score: 1

      The BBC and ZDNet are reporting on an RSA poll of 1 about failing confidence in ecommerce among Slashdot user ArsSineArtificio (user 150115). 100% of the respondents were reluctant take legal advice obtained on slashdot.

    4. Re:Who Cares? by Stonehand · · Score: 1

      AAAAAAAAaagh. Good think I'm not drinking at the mmoment.

      A credit card company will be more in your corner, because they're looking to collect the debt -- and they'll charge-back the merchant with penalties if they see fit, and even revoke the merchant's transaction privileges if too many charge-backs occur. The debit-card account, however, has already resulted in your money being gone -- which lowers the incentive for them to go after anybody else (except you, if you try to get your money back!).

      In addition, courtesy of non-instant billing you usually have more time to contest a credit card transaction before such things as NSF fees start piling up.

      --
      Only the dead have seen the end of war.
    5. Re:Who Cares? by ArsSineArtificio · · Score: 1

      The BBC and ZDNet are reporting on an RSA poll of 1 about failing confidence in ecommerce among Slashdot user ArsSineArtificio (user 150115). 100% of the respondents were reluctant take legal advice obtained on slashdot.

      I only trust Netcraft's opinions on whether things are thriving.

      --
      All employees must wash hands before seeking equitable relief.
    6. Re:Who Cares? by corblix · · Score: 1
      I'm not liable for any $$ amount on my credit card or my debit.

      Ladies and gentlemen: this is why you shouldn't trust any legal advice obtained from Slashdot.

      I assume the writer meant "any fraudulent $$ amount". Of course, this wasn't actually advice. Regardless, it often works anyway.

      In particular, U.S. law limits liability for credit card fraud to $50 if reported quickly. Many banks (like mine) limit it to $0. In any case, regardless of the stated policy, I have never run across a bank that required me to actually pay that $50. If they did, then I would pay it, and never do business with them again. They know that, and they can generally be trusted to act in their own best interest. If not, well, I'm out $50. Once.

      So, yes, who cares?

  15. Another fact for the timid by 14erCleaner · · Score: 3, Interesting
    I recently heard that 50% of identity theft is done by somebody who knows the victim.

    Kind of like the great majority of child kidnappings involve a non-custodial parent. But that's not a scary enough story to draw viewers, so doesn't get reported much.

    (at this point the child-kidnapping activists will rise up and smite me with their negative mod-point hammers, I'm sure. :)

    --
    Have you read my blog lately?
  16. online trust is like by Anonymous Coward · · Score: 0

    oxy-moron

  17. It's not just online businesses we distrust ! by javaxman · · Score: 2, Insightful
    Plenty of folks distrust most any business, and often with good reason. I'd link to recent examples of businesses not taking proper care of customer data, or otherwise breaking trust and committing fraud, both online and off ( ChoicePoint certainly comes to mind, as does T-Mobile... then there's Enron, WorldCom, Tyco... ), but the instances are almost too many to list.

    If businesses want people's trust, they need to earn it.

    Should online businesses be trusted ?

    I myself give out accurate personal data only when I really, really have to, and even then am pretty picky about the companies I work with - both online and offline. If confidence has declined, maybe people are learning...

  18. I trust online purchases... by SmokeHalo · · Score: 2, Funny

    ...as long as Claria says it's okay.

    --
    I'm not good in groups. It's difficult to work in a group when you're omnipotent. - Q
  19. Proxy CC# by donnyspi · · Score: 4, Interesting

    I like using MBNA bank's credit card number proxy feature whereby you create a onetime use CC# with a limited spending limit to give out online. It's a great feature for paying at Sam's Shady Online Store with a CC# that has a $30 limit and expires in a month.

    1. Re:Proxy CC# by Dachannien · · Score: 1

      In fairness to other CC companies out there, MBNA is not the only company who does this. Regardless of who your CC company is, check out their website (make sure you get the URL off your statement - don't just blindly type it in or Google for it!) to see if your company offers this service.

    2. Re:Proxy CC# by Jah-Wren+Ryel · · Score: 2, Informative

      MBNA, Citi and Discover all use the same platform, it is provided by Orbiscom. I think there are probably some other banks too, those are just the big ones I know of. Oddly enough American Express used to have a similar program and cancelled it.

      I've been using the MBNA version for many years and hundreds of transaction, and have not had a single fraudulent charge since I started. If they would come up with a version that let me use it at brick & mortar stores, with real plastic, I would be ecstatic.

      --
      When information is power, privacy is freedom.
  20. Nooo confidence by imrec · · Score: 3, Funny

    I TOTALLY know! I saw a video of this girl who had confidence that this guy WASN'T going to do this thing to her... AND HE DID! I was like, "I SO don't have confidence in the net anymore!" ...I'm sorry, I don't know where that came from. It must be time to go home...

    --
    Note: This sig contains nine S's, nine I's and five O's which... means absolutely nothing.
    1. Re:Nooo confidence by Anonymous Coward · · Score: 0

      ROFL. You made my day!

  21. Worrying about that right now myself... by Pengunea · · Score: 2, Interesting

    ...As I'm currently working on three sites that have a variety of eCommerce worked into them. One is linking to a ridiculous third party all-in-one shopping cart package the client repeatedly insisted on using. I'm having the damndest time trying to ensure that everything is secure and that items being paid for are being flagged properly when they are fully paid for. Because of the hopping back and forth from our server to theirs I'm using browser cookies and I'm not fond of it at all.

    I have to ask how does one inspire confidence and secure feelings in visitors to the site? It helps to make sure the site looks nice and has a minimum of spelling errors, but there isn't anything I can think of that will suggest "Hey! We're really a legitimate business and won't just take your money and run" to people who don't know what SSL is.

    As someone who likes to buy things online I only trust a handful of sites to accept and process my transactions properly. I know what will keep me from using an online store (no SSL at payment, no multiple protected ways to pay, ridiculous things like having to get a Yahoo! account just to be able to checkout my shopping cart). But I can't put my finger on what keeps me feeling secure in making my transactions after that.

    --
    Starkle, starkle, little twink.
    1. Re:Worrying about that right now myself... by m50d · · Score: 1

      A discreet logo. Something equivalent to those W3C validated buttons people use. Something that says you're using SSL and someone halfway competent has taken a look at it and it seems set up ok. I'm not sure if such a thing exists, but if it doesn't it should do. That's the sort of thing I'd want.

      --
      I am trolling
    2. Re:Worrying about that right now myself... by NardofDoom · · Score: 1

      The world would be so much better if it weren't for clients. And users.

      --
      You have two hands and one brain, so always code twice as much as you think!
  22. Of course not by Anonymous Coward · · Score: 0

    They'll just sell it all to ChoicePoint and their den of thieves.

  23. It's not the Internets, it's the boxen... by ites · · Score: 1

    It's not just the scammers and phishers and 419 letters. The basic infrastructure for most people is their precious box, and that is falling apart.

    Look: if one of my PCs gets a problem, I start to get sympathetic symptoms. If my notebook crashes, I get really ill too. When it's fixed, I feel much better.

    I run Linux, we all do in this company, but people who run Windows are contaminated from something akin to a epidemic of the plague.

    It's not surprising they are reluctant to trust much else.

    --
    Sig for sale or rent. One previous user. Inquire within.
  24. Online trust by vurg · · Score: 2, Insightful

    I lost my online trust when I fell victim to a particular .cx site.

    1. Re:Online trust by filtur · · Score: 1
      I lost my online trust when I fell victim to a particular .cx site.

      That's when I lost my innocence

  25. Case in point: ChoicePoint by PHAEDRU5 · · Score: 5, Insightful

    Here in GA we have ChoicePoint, a company which recently allowed a criminal gang to make off with something like half-a-million IDs.

    Only people in California were notified of the leak, because CA has a law requiring notification. Everyone else is going to have to wait 'til their identity gets stolen.

    The GA legislature is taking up a bill to require notification of GA residents when their personal information is stolen or accidentally leaked.

    Part of the problem, IMHO, is that companies won't tell you when they've shared your information with a non-trusted third party. So, a good first step would be voluntary disclosure.

    --
    668: Neighbour of the Beast
  26. Just trust us? by saur2004 · · Score: 1
    Like hell.

    Ive had this little link in my bookmarks for a very long time Toysmart

    I site this link alot when I deal with any online purchases and ask for some assurances, not just what is put in thier online agreements.

  27. So people don't trust sites online... by bskin · · Score: 1

    Good?

    --
    hot foreign sheep.
  28. Indeed by ArbitraryConstant · · Score: 2, Insightful

    When knowing a number is sufficient to use it (credit cards, SSN), security is impossible.

    It is a fact of life that your important numbers hang around indeffinitely in various databases. Unless more than a number is required to use them, it will become impossible to maintain your identity.

    --
    I rarely criticize things I don't care about.
  29. Let the banks bear the burden by /Wegge · · Score: 3, Interesting

    In Denmark we have very good consumer protection on online trades. Whenever the card holder challenges a withdrawal, the issuing bank shall reverse the transfer immediatly. Afterwards, the burden of proof for actual goods delivery lies with the bank. The banks of course passes the burden on to the online merchants, so we have very few fradulent online traders here in denmark.

    I'm not sure how it works for foreign trades, but as the banks must make the refund, no matter what, the general confidence in denmark is pretty high.

    --
    //Wegge
    1. Re:Let the banks bear the burden by popo · · Score: 1


      Yeah... and by comparison, you also have almost no e-commerce.

      --
      ------ The best brain training is now totally free : )
    2. Re:Let the banks bear the burden by /Wegge · · Score: 1

      Yeah... and by comparison, you also have almost no e-commerce.

      No, and so ... I can still shop with Amazon, Dell or who else has something to sell that I want. Even popo's slightly suspicious frech bum store. I'm still guaranteed that I'm not scammed.

      --
      //Wegge
    3. Re:Let the banks bear the burden by dlZ · · Score: 1

      That's good to know, because my better half and myself have discussed moving to Denmark. Her family is originally from there, and I'm looking to get out of the US if things keep going the way they are. I like that kind of protection (and everything else I seem to see on /. about Denmark always seems to be positive, too.)

      --
      rm -rf ./evidence @ punkcomp
    4. Re:Let the banks bear the burden by aspx · · Score: 1

      The food is aweful.

  30. Why should we trust them with our CC? by Acer500 · · Score: 2, Interesting

    Put your faith in your CC company and their fraud prevention

    I think we shouldn't, or at least, I don't want to.

    There should be a method of paying that was time-sensitive, say a two-level authentication method that consisted of a PIN and a randomly generated number that changed with time that could only be authenticated by you and your CC company... just like we do with some sensitive computer passwords (and I'd say that Credit Cards ARE a sensitive password for the users). It could one-transaction only.

    That would cut the timeframe and opportunity for frauds.

    Now that I think of it, I might be able to market this to someone...

    --
    There are three kinds of lies: lies, damned lies, and statistics.
    1. Re:Why should we trust them with our CC? by Stonehand · · Score: 1

      Sounds like that would serve the same purpose as Citibank's "virtual credit card number" service; for an online transaction, it'll generate a one-time-only CC number with a user-specified transaction limit so that the Other Side (or whoever's listening) can't use it again or for more money than you're inclined to authorize.

      --
      Only the dead have seen the end of war.
    2. Re:Why should we trust them with our CC? by Acer500 · · Score: 1

      I thought it was already invented.

      BTW, BBC's article seems to suggest this:

      RSA has a deal with internet provider AOL that lets people pay monthly for a one-time passcode generation service.

      Users get a physical token which automatically generates a code which stays active for 60 seconds.

      Many companies use a token-based method already for employees to access networks securely already.

      Activcard's method is more complex. It is currently trailing its one-time passcode generation technology with UK banks.

      --
      There are three kinds of lies: lies, damned lies, and statistics.
    3. Re:Why should we trust them with our CC? by Acer500 · · Score: 1

      To the parent: Sorry, I wanted to say that I expected to learn that it had already been invented.

      --
      There are three kinds of lies: lies, damned lies, and statistics.
    4. Re:Why should we trust them with our CC? by sconeu · · Score: 1

      Citibank's "virtual credit card number" service; for an online transaction, it'll generate a one-time-only CC number

      AMEX used to have that, and they dropped the program (don't know why). Bummer.

      --
      General Relativity: Space-time tells matter where to go; Matter tells space-time what shape to be.
    5. Re:Why should we trust them with our CC? by swv3752 · · Score: 1

      MBNA has that as well. I have used for a number of sites that want to hit you for reoccuring monthly fees. Now I don't need to remember to go back and cancel. If you must know, the last time was transgaming. I'm sick and tired of paying $60 a year for them to not work on any game I want working.

      --
      Just a Tuna in the Sea of Life
  31. Re:Case in point: ChoicePoint by mkarpinski · · Score: 1

    Not to defend them but ChoicePoint has voluntarily agreed to notify everyone that was involved inthis issue.

    I actually think that there should be Federal legistlation for disclosure of this type of crime.

    --
    As below, so above and beyond, I imagine drawn beyond the lines of reason. Push the envelope. Watch it bend.
  32. Catalogs by cybercobra · · Score: 1

    Also, people order things from catalogs all the time. And they require you to give your credit card # over the phone to some operator. What's stopping them from scribbling down a couple #s for their own use. Like you said, It's all about how one looks at it. Honestly, SSL/HTTPS is at least as secure as a phone line and a site is about as trustworthy as a sales assistant. As long as you order from a reputable company, one should have no problems.
    However, with phishing becoming more prevalent, we might have a problem. Honestly people, check the freaking URLs and apply the security-related updates!

  33. Sensational by the0ther · · Score: 1, Interesting

    This is a bunch of hoohey. It is not in the sense that this is really how people feel, but those people are actually very ill informed. All they listen to is the news reports about identity theft, or they listen to their banks who are touting improved protection against identity theft. What people don't consider is that online transactions probably lower the risk for identity theft. If these banks actually offered an alternative to their competitors perhaps they could curtail their alarmist advertising.

  34. The Problem isn't the Internet by popo · · Score: 3, Interesting


    The problem is that Credit Card companies, banks and anyone else whose revenue is generated by transaction volume have a vested interest in making transactions easier and more frequent.

    As big a problem as fraud is, the reality is that there is far more to be gained from lowering barriers to credit card use than there are to raising barriers. The other sad corrolary is that the real losers when it comes to fraud are the consumers.

    We have voluntarily traded security for convenience. Now it seems we want our cake too.

    --
    ------ The best brain training is now totally free : )
    1. Re:The Problem isn't the Internet by taustin · · Score: 2, Insightful

      The only problem with your whining is that credit card fraud is many times more likely to happen when you use your credit card in a brick-n-mortar store, face to face, than when you use it online. And if the number is stolen, the amount fraudulently charged to it will be several times as much.

      This isn't news, or especially obscure. While online credit card fraud may be the "fastest growing category," it's still minor compared to disgruntled cashiers who copy down details on the sly.

    2. Re:The Problem isn't the Internet by popo · · Score: 1


      Uh... next time you call someone a whiner, try reading their post first.

      My post was titled "The Problem isn't the Internet", and I pointed the finger at credit cards and gateways in general.

      Your post on the other hand was redundant and didn't even make sense as response to mine. Go away.

      --
      ------ The best brain training is now totally free : )
    3. Re:The Problem isn't the Internet by Anonymous Coward · · Score: 0

      Uh... did you read his post moron?

    4. Re:The Problem isn't the Internet by taustin · · Score: 1

      You implied the online fraud is somehow a problem. It isn't. Online transactions produce significantly lower fraud rates.

      And you want to fix that.

    5. Re:The Problem isn't the Internet by starfishsystems · · Score: 2, Insightful
      Well said.

      The longstanding pattern of providing easy credit predates the Internet. It has led to practices that are insecure by the most rudimentary standards. And yet, it has certainly been profitable for the providers.

      Between the transaction fees charged to the merchants, and the interest collected on credit, revenues for the providers have been greater than losses due to fraud.

      You would think that all parties would benefit from better security, but evidently the providers don't see it that way. As you probably know, their core operations are very secure, so it's not as if they haven't been willing to act on security risks which they perceive to be significant.

      --
      Parity: What to do when the weekend comes.
    6. Re:The Problem isn't the Internet by Anonymous Coward · · Score: 0


      Mmm.... long history of problems with reading comprehension?

  35. Ummm... by Gruneun · · Score: 1

    43% of respondents were reluctant to give details to online sites
    Apparently filling out a survey about online security doesn't qualify. Perhaps, 57% of respondents don't mind giving info and the other 43% give it anyway.

  36. People need to cheer up by t_allardyce · · Score: 1

    I don't see the problem, there are major sites like Amazon which are obviously not back-alley enterprises and its unlikely someone is going to get your credit card number on an encrypted connection - its just not worth the effort to thieves when there are so many easier ways they can do it. Other non-global sites often use well established credit card processing systems like world-pay - as long as there's no phishery involved, the site you are buying from never sees your credit card, they just get a yes or no from the bank, of course if there is some dodgy browser scripting going on then they can do what they like, but at the end of the day the bank is involved and isn't going to want dodgy sites on their books. If people are scared about their details being shared around then they should check that the company is on the data protection register (for Europe) and if not then report them, if a company starts 'loosing' your personal information they're going to end up in trouble.

    --
    This comment does not represent the views or opinions of the user.
  37. Re:Case in point: ChoicePoint by PHAEDRU5 · · Score: 1

    I didn't know they'd volunteered to notify everyone. Last I heard, it was just CA residents.

    I'm happy they're notifying everyone affected.

    --
    668: Neighbour of the Beast
  38. Good... by fitten · · Score: 1

    The BBC and ZDNet are reporting on an RSA poll of 1,000 users about failing confidence in ecommerce. 43% of respondents were reluctant to give details to online sites and 70% said that firms were not doing enough to keep their data secure.

    This means that the populace is getting edumacated about online activities over time.

    Back in the Day (tm), we all knew that the 'net was filled with wierdos and perverts and knew what not to do. Then came this wave of n00bs who hadn't a clue and we see all the scams and stuff. This just means the n00bs are getting more informed.

  39. So... by Anonymous Coward · · Score: 0

    Denny's is your idea of a good restaurant? Could you give an example of a bad restaurant? Um, wait, I don't really want to know. Never mind.

  40. Your the admin, do something about it. by byronmiller · · Score: 1

    If you don't bother to set security standards for everything that uses or is linked to your network - this includes PEOPLE then your not doing your job. Every place i work has a clean desk policy and weekly walkthroughs that happen to verify shutdown pc's at night, all drawers are locked and desk is clean and nothing with numbers, address, emails or unmarked notes are left out. Your network is only as secure as those who are entrusted to it. If people take security this lightly then create an environment that disciplines for such.

    --
    Byron Miller for Congress.
    1. Re:Your the admin, do something about it. by Ernesto+Alvarez · · Score: 1

      That would be the ideal case. In the real world, a manager would just say that "it's very inconvenient" to have a standard seecurity level. How do you tell your PHB that he cannot connect to your LAN when he can easily oveerride your decision?

      Until administrators (or security officers if available) have the final say on security policy, your "make a security standard" idea is pointless. I have been ordered many times to override what would be an attempt of setting a standard because some bigwig has a minor inconvenience doing something.

      I'm an admin, and within our department we run a tight ship, only to find something stupid being done somewhere else, where we cannot correct it.

  41. Hold it by varmittang · · Score: 1

    I could have told you years ago that anything that is connected to a larger network can get stolen. But its only when something happens to a celebrity does it make it in the news and is seen as a problem that needs to be fixed. Damn it, put Justin Timberlake in charge of Home Land Security, then we might get something fixed over there.

    --
    -----BEGIN PGP SIGNATURE-----
    12345
    -----END PGP SIGNATURE-----
    1. Re:Hold it by SmokeHalo · · Score: 1

      Interesting idea for a new show...

      "The Political Life"
      Paris and Nicole get gigs as Cabinet members for six weeks. Don't miss the "cat-fight" episode between them and Condi Rice!

      --
      I'm not good in groups. It's difficult to work in a group when you're omnipotent. - Q
  42. Same password, multiple accounts by NaruVonWilkins · · Score: 1

    How, exactly, is someone supposed to remember ten different passwords for multiple systems that they have to change once every few months?

  43. I'm also wary of other things I still do... by ianscot · · Score: 1
    Asking us whether we're "wary" of doing something isn't the whole story.

    I'd say I'm "wary" of giving a clerk personal information in a store checkout line -- but in order to get an occasional break on dog food, I've given a local store some address info. (Hey, she's a Newfie, she eats her share of food.) Lots of retail stores are collecting this type of information now, as part of their loyalty card programs partly.

    If Web sites are vulnerable and could have their database compromised, so is the pet store. I take the risk because of the convenience and savings.

    I'm wary that the sky might fall one day, but I'll still go outside today. It's worth it.

    --
    "Fundamentalism" isn't about divine morality. It's about human authority.
  44. Thanks for NOTHING, you spoiler! by Anonymous Coward · · Score: 0

    It's assholes like you who are ruining the magic industry! We want the audience to be wondering how we dispose of the bodies, not if it's real or not!

  45. I don't get it? (n/t) by ggvaidya · · Score: 2, Interesting

    nt

  46. Mod Parent Up! by ggvaidya · · Score: 1

    This is fantastic news. Now hopefully phishing, non-ActiveX assisted spyware and other suchlike 'net garbage will grow scarce.

    then again, while I'm dreaming, I'd like a pony ...

  47. Nevermind online commerce... by dantheman82 · · Score: 1

    Combine the ubiquitous use of SSN as college ID (at least at my school) which the state of NJ recently made illegal (thankfully) with the fact that some resturants (Qdoba being one major one) actually have printed the entire credit card number on the physical receipt. I would really like to know, though, if online website are encrypting data AS WELL AS using SSL. Maybe they could indicate this on the page or whatever...

    --
    This sig donated to Pater. Long live /.
  48. Trust me, it's bad by wizbit · · Score: 1

    As someone who works exclusively with e-commerce support and has seen a number of clients' store data, the situation generally ranges from frustratingly bad to comic ineptitude.

    Was troubleshooting a client's osCommerce store to see if we could encrypt and decrypt credit card numbers and return them securely. OSC has a MySQL backend, so to make this a bit easier, I suggested he install phpMyAdmin.

    "Oh, don't worry," he said, "we've already got it installed at www.mywebsite.com/phpMyAdmin."

    When I went to the page, phpMA had been installed in "config" security - ie, any master of reverse-engineering that could guess he might have a folder called "phpMyAdmin" could see ALL of his tables and had root privileges on his store database.

    Stupid.

    Most end-users know little about protecting data and are only now starting to wise up because credit card fraud is RAMPANT and the card companies are complaining (and actually enforcing some new protection standards). I believe Visa/MC will start requiring at least RSA encryption of credit card data if customer information is stored on a publicly-accessible server.

    Then there was the guy whose entire site was a group of perl scripts and whose "Checkout" script handled credit card information by setting - guess what? - COOKIES, with the full cc# and personal data available to anyone who would read the client cookie. No cookie domain, just raw cookies with plain unencrypted data.

    It's a mystery to me that more people aren't blatantly ripped off, but thankfully, commercial hosts seem to be reasonably knowledgable about this and are taking appropriate precautions.

  49. That's freaky by Mars+Ultor · · Score: 1

    What a coincidence - I just recieved an email today from someone in a very similar situation. MR. ALBERT WABANGO from Siera Leone (at least I think - he said he was "sieralionese"). Anyway, long story short, he's going to give me nearly 20% of his dearly departed Dad's money - AND pray to god for my health and safety. What a swell guy.

    Seriously though, I'm still astounded that people ACTUALLY fall for this crap - I think there should be an entire class sometime in high school dedicated to giving some common sense "real life" skills (and at least a quarter of the time dedicated to online malfeasance-avoidance) - First lesson: If it sounds too good to be true, that's because it is!

    --
    "Nokia is not a country, it's the capital of Finland!" -Moderated "Informative". Yeesh.
    1. Re:That's freaky by Anonymous Coward · · Score: 0

      I think there should be an entire class sometime in high school dedicated to giving some common sense "real life" skills

      That's supposed to be Home Economics. The problem is that a lot of time is devoted to baking/cooking and (from what I've noticed) is taught to younger grades. My memory is hazy (HS class of 1994) but nutrition, cooking, sewing (all very useful) are covered while any subject that touches on finances are absent. I guess teaching financial tools (checking, credit, investments, etc) to a class of 8th graders is probably an impossible feat.

      I might have had HomeEc later in high school, but the memory is hazy.

  50. Denmark by Anonymous Coward · · Score: 0

    Well, Denmark is nice and all... At least from a tourist point of view.

    But right now there is a racist party in the government. Their party chairwoman suggested that the border union with Sweden (there are no customs nor do you need a passport or anything to pass between Sweden and Denmark) should be removed because to many people are allowed in as refugees in Sweden, they also have many new rules that severely limits the possibilities for people to seek sefuge in Denmark. I think that may even be an issue for you to get citizenship there.

  51. can you blame them! by L1nux_L0ser83 · · Score: 1

    between t-mobiles lack security and paymaxx inc leak of w-2 information, i really cant blame anyone for worrying about online trust failing. i remember a few years back when online shopping first got started and everyone was worried about buying stuff online due to fraud. Now, when almost everyone started getting comfortable with the idea of online payments , and online billing, and online banking. now is when certain companies start to slip...and i feel its going to cause people to go back to that same mind set that nothing is safe on the net.... god forgive them for corporate america knows not what they do!

    --
    Good Karma, Bad Karma, doesnt matter to me... I'm still going to say whats on my mind!
  52. Good advice, Citizen. by Stonehand · · Score: 1

    Stay alert!

    --
    Only the dead have seen the end of war.
  53. Polls vs. Reality by corblix · · Score: 1
    ... 70% said that firms were not doing enough to keep their data secure.

    So what? What did you expect them to say? No one wants to sound like an idiot when the friendly neighborhood pollster comes by. What really matters is not how concerned people say they are about security, but whether they put their money where their mouth is. Do they actually give info to companies and make actual purchases? Plenty of people do. Does this poll indicate real reasons why online commerce is not more popular, or does it just let people say things that make them feel intelligent?

    So maybe people aren't shopping at Amazon because they are concerned about security, or maybe they like the feel of books, or maybe it's just habit, or maybe Amazon has pretty well saturated the market.

    From the BBC article: The challenge for banks is to provide the customer with something that improves security but balances that with usability."

    Sadly, if the poll actually does represent reality, then the real challenge is for banks to provide the customer with something that makes them feel secure but balances with usability.

  54. The Register: "Trucker" sites steal others info by me+at+werk · · Score: 1
    Hacking: the must-have business tool

    In short, "GetLoaded.com" stole information from "Truckstop.com" because truckers used the same ids and passwords for both sites.

    When Truckstop started using user IDs and passwords, Getloaded did the same. Reasoning correctly that truckers using both sites would create the same userid's and passwords, Getloaded officials logged into Truckstop's site using their customers' IDs. Then they registered a defunct company as a subscriber as another route to getting access to the data.
    --
    For context, click Parent.
  55. People see thru the LIES by WillAffleckUW · · Score: 1

    We all know how insecure it is, and especially those of us with technical knowledge know it's even more insecure than that.

    However, this doesn't necessarily stop us from using the Net to transact business.

    It's like a marketplace.

    Some are crooked - and you keep your money close and take precautions and only risk a bit. Like a biker bar or most websites.

    Some are mostly honest - you relax a bit, like in a secure website, but you know that sometimes you'll be robbed or defrauded - like the stock market or a bank.

    And some are totally trustworthy - and don't exist except in fairytales we tell neocons, who are really more naive than children.

    --
    -- Tigger warning: This post may contain tiggers! --
  56. A lot of the problem is [smart enough to breed] by Anonymous Coward · · Score: 0

    "When I discuss SFTP, they scratch their head and drool a little bit, and it's clear they don't understand the threat of cleartext passwords ..."

    Were they able to put their socks on?

  57. I can one up that by Macrobat · · Score: 1

    I used to work for a company that required everyone to use the same, default password. I changed mine one day and got a visit from my supervisor a few days later asking why I'd changed it, and an order to change it back. Needless to say, I found another job quick.

    --
    "Hardly used" will not fetch you a better price for your brain.
  58. Not all markets are insecure, nor are all colleges by WillAffleckUW · · Score: 1

    Combine the ubiquitous use of SSN as college ID (at least at my school) which the state of NJ recently made illegal (thankfully) with the fact that some resturants (Qdoba being one major one) actually have printed the entire credit card number on the physical receipt.

    Or you could just avoid places that use such things - for example, the University of Washington uses a Student ID that is assigned separately, for students, staff, and faculty, instead of your SSN and placed on your ID card that's also your bus pass and cash card.

    Of course, if you then choose a PIN like 1234, you're just asking to be taken advantage of.

    Our state does the same for Driver's Licenses.

    --
    -- Tigger warning: This post may contain tiggers! --
  59. Same password, multiple sets of accounts by WillAffleckUW · · Score: 1

    the way I do it is have a three-tier password scheme - one for public access where I don't mind being hacked (e.g. insecure logins)
    - one for private access where I don't want to be hacked (4 digit)
    - one for secure websites where I would be worried if I was hacked (non-dictionary words plus digits)

    that way you have three passwords.

    --
    -- Tigger warning: This post may contain tiggers! --
  60. Strange, when I use cash there's no issue by WillAffleckUW · · Score: 1

    It works, they don't ask for my ID (unless I'm at the liquor store or Radio Slump), and the transaction is anonymous.

    Maybe that's why smart people use cash.

    --
    -- Tigger warning: This post may contain tiggers! --
    1. Re:Strange, when I use cash there's no issue by lachlan76 · · Score: 1

      You can't use cash over the internet. People can steal cash from you.

    2. Re:Strange, when I use cash there's no issue by WillAffleckUW · · Score: 1

      You can't use cash over the internet. People can steal cash from you.

      What if I'm buying wood?

      Can't I just buy wood over the Internets and when they come to pick it up they have to have cash.

      Or Iraqi dinars ...

      --
      -- Tigger warning: This post may contain tiggers! --
  61. The FIRST security measure I always take by argoff · · Score: 1


    Is go to netcraft.com and check "What's that site running?..." - If it's running Microsoft anything, then I skip the online credit card and call in the purchase.

  62. Visa Inc is trying to do something about this... by Michael+Spencer+Jr. · · Score: 1

    I can't give out any of my documents, but Google for Visa CISP. Requirements are different (less or more strict, compliance required sooner versus later) for different sizes and types of merchants, but Visa is going to start requiring stricter security measures, and backing that requirement up with fines for noncompliance.

    This is a Big Hairy Deal for merchant processors (like the company I work for), who provide credit card acceptance services for merchants.

  63. Re:Case in point: ChoicePoint by npbeers · · Score: 1

    ChoicePoint has also bought tri-buruea credit reports and a one year credit monitoring service for each person whose information might have been compromised. That way each person will know right away if someone tries to steal their identity.

  64. Trust Issue, Not Security by rinkjustice · · Score: 1

    I don't think it's the fear of insecure data transmission that keeps people from buying online, it's wondering whether they'll ever get anything back in return. This is particularly true for small operations out there. They just don't damand the same confidence as Amazon.com and other mega e-retailers.

    However, I've never had a problem with not recieving product I've paid for. In practically every instance, I've been more than happy with my purchase.

  65. Need better disclaimers by mpath · · Score: 1
    There should be some sort of audited disclaimer that e-commerce sites publish on what happens after the transaction has been submitted. SSL is only superficial ... what happens beneath is the real proof in the pudding, so to speak.

    I mean, does it fire off an email to a receptionist to process the card (leaving your card exposed) or something more secure (like processing the transaction directly and storing only a reference number that could be used for void/credits, if need be).

    --
    I'm not sure what the secret to success is, but the secret to failure lies in trying to please everyone -Bill Cosby
  66. Back on topic... by Wtcher · · Score: 1

    I know a team that's studying trust and loyalty interests in online commerce circumstances (i.e. eBay, company stores, etc.). I'm posting this in case anybody's interested in such matters.

    http://www.eloyalty.ca/

    --
    ----- Wtcher Dragon, UDIC
  67. Same way in America, actually by centipetalforce · · Score: 1

    As an ecommerce merchant, it is true here as well that chargebacks take place before the merchant can defend itself. Only after the chargeback takes place and the money is taken out of the merchant's account can the merchant make a rebuttal.
    This has happenned a couple times to me in the last month as the item and service was delivered but the client didn't recognize our doing business as name.
    The real problem is companies like choicepoint cant take care of their business and the entire ecommerce world is blamed. This is the media's fault for not explaining that Choicepoint and Amazon have nothing to do with eachother.

  68. I have an answer by thorax · · Score: 1

    PAY PAL

    BTW probably 40% of those were the ones that got the
    pay pal phishing mail.. Its amazing these people
    don't bother to read the web source to determine
    where the links in the email are going.. Its even more amazing, email programs are not designed to compare the receiving email to the links in the email, if they come from different domains, its a
    sign that the email is phish..

    --
    He knows enough to ruin the world and his own. Does he know enough to change himself and the world as well?
  69. A comedy of Errors by Heywood+Jablonski · · Score: 1
    I recently wanted to buy time on the SkypeOut service so that I could call people at $.02/minute from my computer. I figured it was cheaper than setting up a Vonage account, and if the quality was no good, I wouldn't be out anything. That company is located in the U.K., and they have two credit card processing systems-- one is PayPal (which I refuse to use), and the other is a company that performs a similar service in the U.K., called MoneyBookers (they seem to be popular with online casino sites).

    Anywho, I plodded through the various screens of signing up, filling in my personal information, and when it came time to charge my credit card MoneyBookers said that it had some "Secure Shopping" system on it, and they would forward me to the appropriate site to enter my password. That site was in fact my credit card issuer's site, and they had me sign up for and pick an initial password for my credit card. Subsequently the MoneyBookers site said my transaction failed, at which point I gave up trying to buy SkypeOut time.

    After that I got an email from my credit card issuer saying I should go set my preferences in this new service, and when I went there, lo and behold there is a "reciept" for that failed transaction (they don't seem to think it failed). But the transaction has yet to post to my actual credit card, which I can monitor using a separate website from the "Secure Shopping" website, and which website never refers to "Secure Shopping" feature at all!

    When I asked at the "Secure Shopping" website for the places where I can use my "Secure Shopping" password, they list only a few in the U.S., but many, many places in the U.K. So I suspect that this service is more widespread in Europe than it is here. After all, if the merchant doesn't use the service, the check just isn't done-- the charges still go through. It's sort of "optional" extra security. Wouldn't the thief just use a site that doesn't use that security?

  70. twitter by Anonymous Coward · · Score: 0
    Moderators: Please note that "twitter" is a known fanatical sycophant whose obnoxious offtopic rants are legend here on Slashdot. It doesn't matter what the topic is, he'll find a way to scrape in some pointless Microsoft bashing. While nobody expects us to love Microsoft in any way, his particularly tepid style of calling anyone he replies to "troll" or "liar" or "fanboy" because he happens to disagree with whatever they're saying is well documented and should not be rewarded. If anything, twitter is the type of person that should not be part of the open source/free software community. He is an anathema to all that is good about free software.

    I'm posting this so that you (the moderator) have some context to consider twitter and not mod him up whenever he posts his filler preformatted rants about installing Knoppix or Mepis or whatever that unfortunately get him karma every single time and allow him to continue posting his trademark toxic crap (read on) day in and day out. You may consider this a troll - I consider it community service. And I ain't kidding.

    If you're a /. subscriber, I invite you to look through some of his posting history. I guarantee that you'll be hard pressed to find someone that is more "out there" than twitter. You'll also probably notice he's got quite an AC following. Don't just read his posts, make sure you go through the replies.

    To get an idea of what I'm talking about, check this post out. This is an article about email disclaimers. The parent of the post is complaining about the ads in the linked page and so on, and twitter actually goes off on a rant to blame it on Microsoft and recommend Lynx, because "is teh free".

    Here's another. In this post twitter not only calls the OP a troll but attempts to "tell it like it is" while making some vague argument about "GNU". Yes, if you're confused, you're not alone. The reply (modded +4) proceeds to simply destroy his bogus argument. You will notice he did not reply. This is what some people call "drive-by advocacy". A sort of I'll just leave you with my thoughts here and move on to the next flamebait kind of deal. In fact, he almost never replies because he knows that his fanatical arguments simply do not hold up to any sort of discussion. It's not that he's chosen the wrong cause - he's just going at it in a completely wrong way.

    Here's that drive-by advocacy and FUD in motion: twitter goes on about some topic and then drops the usual "oh and M$ is teh evil" because "WMP phones home" or some such. Called on his FUD, he then claims that WMP stores every song and movie you've ever played in a file, somewhere. Pressed further, he just sort of slithers out of sight, his FUD-spreading complete. This is not about some Microsoft technology that nobody likes anyway; it's about lying for the sake of lying. Way too many of his posts are exactly like this one.

    More? Just read though this post and the subsequent replies. I guess this stands on its own. Or these two. Or this one. Or this one.

    Still not convinced? This is what twitter considers "humour" while going about his daily "M$" routine.

    M