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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."

50 of 197 comments (clear)

  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. 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 bradkittenbrink · · Score: 3, Funny
      Female and my occupation is the fist...

      I stopped reading right there, start over please?

    2. 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?

    3. 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.
  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 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.

    4. 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.

    5. 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.

    6. 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.

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    7. 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.

    8. 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.

    9. 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.

    10. 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.

  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 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?
    2. 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. 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 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
    2. 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.
  6. 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. :)

  7. 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 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.
  8. 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.
  9. 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 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.

    2. 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.
    3. 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).

  10. 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.

  11. 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?
  12. 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...

  13. 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
  14. 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 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.
  15. 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.
  16. 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.
  17. Online trust by vurg · · Score: 2, Insightful

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

  18. 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
  19. 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.
  20. 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.
  21. 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
  22. 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.
  23. 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 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.
  24. 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".
  25. I don't get it? (n/t) by ggvaidya · · Score: 2, Interesting

    nt