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How our new identity & privacy app can help
By this point in the year you may have already broken some of your New Year’s resolutions, but here’s one to keep: better protecting your online privacy.
After all, we are likely to continue to spend more time online in 2021, whether it be for working, learning, or shopping. This makes taking some preventative steps to shield our identity information more important than ever.
That’s why McAfee has been working on a new identity and privacy app for safeguarding your personal information, and we’d love for you to try it if you’re in the U.S.
Here’s a little bit about our approach. We looked at some of the key areas where users’ private information can be vulnerable, and designed a tool that offers easy-to-use, proactive protection for Windows, Android, and iOS devices, with consistent, familiar experiences regardless of the platform.
We know, for instance, that users are vulnerable when using unsecured networks, like public Wi-Fi. This is where a cybercriminal can potentially capture your login credentials and other personal information as it flows over the network, from your laptop to your bank’s website, for example.
So, we made sure to include a Virtual Private Network (VPN) to keep your information protected from prying eyes. It does this easily, and even automatically, by detecting when you’re on a public network and prompting you to turn on your VPN. The VPN then scrambles, or encrypts, your data as it flows over the network. Unlike some VPNs that require advanced settings to shield your data, our app offers seamless security.
Another area of high risk that we want to address is data breaches. Whether one of your personal accounts is hacked–or worse–another website somehow gets ahold of your data and subsequently gets breached, your data may end up on the dark web. This is where cybercriminals buy and sell information.
To detect these dangerous leaks, we included dark web monitoring, which alerts you if your login credentials have been exposed. It can even provide you with a link to the site that uses those credentials when the information is available. This allows you to swiftly reset your passwords, mitigating the risk.
Given that we saw a spike in corporate data breaches in 2020, where 58% of victims had their personal data compromised, I believe this kind of always-on monitoring of your private information is key.
Most importantly, we wanted to make this personal protection app easy to use and available across all your compatible devices. So, whether you’re out with just your phone, or home working at your PC, you have access to your protection, and can even pick up where you left off on a different device.
I know that organizing my digital life gives me one less thing to worry about, and I hope it’s the same for you. Give the app a try, and please let us know what you think since we are always open to your feedback.
Here’s to a happy and secure year!
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Let’s Commit To Protect Our Privacy This Year appeared first on McAfee Blogs.
We’ve all been spending more of our time online since the crisis hit. Whether it’s ordering food for delivery, livestreaming concerts, holding virtual parties, or engaging in a little retail therapy, the digital interactions of many Americans are on the rise. This means we’re also sharing more of our personal and financial information online, with each other and the organizations we interact with. Unfortunately, as ever, there are bad guys around every digital corner looking for a piece of the action.
The bottom line is that personally identifiable information (PII) is the currency of internet crime. And cyber-criminals will do whatever they can to get their hands on it. When they commit identity theft with this data, it can be a messy business, potentially taking months for banks and businesses to investigate before you get your money and credit rating back. At a time of extreme financial hardship, this is the last thing anyone needs.
It therefore pays to be careful about how you use your data and how you protect it. Even more: it’s time to get proactive and monitor it—to try and spot early on if it has been stolen. Here’s what you need to know to protect your identity data.
How identity theft works
First, some data on the scope of the problem. In the second quarter of 2020 alone 349,641 identity theft reports were filed with the FTC. To put that in perspective, it’s over half of the number for the whole of 2019 (650,572), when consumers reported losing more than $1.9 billion to fraud. What’s driving this huge industry? A cybercrime economy estimated to be worth as much as $1.5 trillion annually.
Specialized online marketplaces and private forums provide a user-friendly way for cyber-criminals and fraudsters to easily buy and sell stolen identity data. Many are on the so-called dark web, which is hidden from search engines and requires a specialized anonymizing browser like Tor to access. However, plenty of this criminal activity also happens in plain sight, on social media sites and messaging platforms. This underground industry is an unstoppable force: as avenues are closed down by law enforcement or criminal in-fighting, other ones appear.
At-risk personal data could be anything from email and account log-ins to medical info, SSNs, card and bank details, insurance details and much more. It all has a value on the cybercrime underground and the price fraudsters are prepared to pay will depend on supply and demand, just like in the ‘real’ world.
There are various ways for attackers to get your data. The main ones are:
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The COVID-19 challenge
As if this weren’t enough, consumers are especially exposed to risk during the current pandemic. Hackers are using the COVID-19 threat as a lure to infect your PC or steal identity data via the phishing tactics described above. They often impersonate trustworthy institutions/officials and emails may claim to include new information on outbreaks, or vaccines. Clicking through or divulging your personal info will land you in trouble. Other fraud attempts will try to sell counterfeit or non-existent medical or other products to help combat infection, harvesting your card details in the process. In March, Interpol seized 34,000 counterfeit COVID goods like surgical masks and $14m worth of potentially dangerous pharmaceuticals.
Phone-based attacks are also on the rise, especially those impersonating government officials. The aim here is to steal your identity data and apply for government emergency stimulus funds in your name. Of the 349,641 identity theft reports filed with the FTC in Q2 2020, 77,684 were specific to government documents or benefits fraud.
What do cybercriminals do with my identity data?
Once your PII is stolen, it’s typically sold on the dark web to those who use it for malicious purposes. It could be used to:
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How do I protect my identity online?
The good news among all this bad is that if you remain skeptical about what you see online, are cautious about what you share, and follow some other simple rules, you’ll stand a greater chance of keeping your PII under lock and key. Best practices include:
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How Trend Micro can help
Trend Micro offers solutions that can help to protect your digital identity.
Trend Micro ID Security is the best way to get proactive about data protection. It works 24/7 to monitor dark web sites for your PII and will sound the alarm immediately if it finds any sign your accounts or personal data have been stolen. It features
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Trend Micro Password Manager enables you to manage all your website and app log-ins from one secure location. Because Password Manager remembers and recalls your credentials on-demand, you can create long, strong and unique passwords for each account. As you’re not sharing easy-to-remember passwords across multiple accounts, you’ll be protected from popular credential stuffing and similar attacks.
Finally, Trend Micro WiFi Protection will protect you if you’re out and about connecting to WiFi hotspots. It automatically detects when a WiFi connection isn’t secure and enables a VPN—making your connection safer and helping keep your identity data private.
In short, it’s time to take an active part in protecting your personal identity data—as if your digital life depended on it. In large part, it does.
The post Identity Fraud: How to Protect Your Identity Data, Accounts and Money During the Coronavirus Crisis appeared first on .
We’re all getting a little more worldly wise to the dangers that lurk around every corner of our digital lives. We know that the flipside of being able to shop, chat, bank and share online at the push of a button is the risk of data theft, ransomware and identity fraud. That’s why we protect our families’ PCs and mobile devices with security solutions from proven providers like Trend Micro, and take extra care each time we fire up the internet.
But what about the firms that we entrust to handle our data securely?
Unfortunately, many of these organizations still aren’t doing enough to protect our personal and financial information. It could be data we enter online to pay for an item or open an account. Or it could be payment card details that we’ve used at a local outlet which are subsequently stored online. These companies are big targets for the bad guys, who only have to get lucky once to crack open an Aladdin’s Cave of lucrative customer data.
What does this mean? That data breaches are the new normal. Last year in the US there were a reported 1,473 of these incidents, exposing nearly 165 million customer records. The latest affected customers of convenience store and gas station chain Wawa — and it could be one of the biggest ever, affecting 30 million cards.
Let’s take a look at what happened, and what consumers can do to steal a march on the bad guys.
What happened this time?
Wawa first notified its customers of a payment card breach in December 2019. But although the firm discovered malware on its payment processing servers that month, it had actually been sitting there since March, potentially siphoning card data silently from every single Wawa location. That’s more than 850 stores, across Pennsylvania, New Jersey, Delaware, Maryland, Virginia, Florida, and Washington DC.
The company itself has so far declined to put a number on how many customers have been affected. However, while cardholders were still wondering whether they’ve been impacted or not, something else happened. At the end of January, a hacker began to upload the stolen cards to a notorious dark web marketplace, known as Joker’s Stash.
They are claiming to have 30 million stolen cards in total, which if accurate could make this one of the biggest card breaches of its kind, placing it alongside other incidents at Home Depot (2014) and Target (2013).
How does it affect me?
Once the data goes on sale on a dark web market like this, it is usually bought by scammers, who use it in follow-on identity fraud attacks. In this case, the stolen data includes debit and credit card numbers, expiration dates and cardholder names, but not PINs or CVV records. That means they can’t be used at ATMs and fraudsters will find it hard to use the cards online, as most merchants require the CVV number.
However, if the cards are of the old magstripe type, they could be cloned for use in face-to-face transactions.
Although Wawa said it has informed the relevant card issuers and brands, the cardholders themselves must monitor their cards for unusual transactions and then report to their issuer “in a timely manner” if they want to be reimbursed for any fraudulent usage. This can be a distressing, time-consuming process.
What should I do next?
This is by no means the first and it won’t be the last breach of this kind. In the past, data stolen from customers of Hilton Hotels, supermarket chain Hy-Vee, retailer Bebe Stores, and restaurant chains including Krystal, Moe’s and Schlotzsky’s has turned up for sale on Joker’s Stash. It can be dispiriting for consumers to see their personal data time and again compromised in this way by cyber-criminals.
Too often in the aftermath of such incidents, the customers themselves are left in the dark. There is no information on whether they’ve definitively had their personal or card data stolen, just an ominous sense that something bad may be about to happen. If the company itself doesn’t even know how many cards have been affected, how can you act decisively?
Credit monitoring is often provided by breached firms, but this is a less-than-perfect solution. For one thing, such services only alert the user if a new line of credit is being opened in their name — not if a stolen card is being used. And second, they only raise the alarm after the incident, by which time the fraudsters may already have made a serious dent in your finances.
Monitoring your bank account for fraudulent transactions is arguably more useful in cases like the Wawa breach, but it’s still too reactive. Here’s a handy 2-step plan which could provide better results:
Step 1: Dark web monitoring works
To get more proactive, consumers need Dark Web monitoring. These tools typically scour dark web sites like Joker’s Stash to look for your personal information. The beauty of this approach is that it can raise the alarm after a breach has occurred, when the data is posted to the Dark Web, but before a fraudster has had time to monetize your stolen details. With this information, you can proactively request that your lender block a particular card and issue a new one.
This approach works for all personal data you may want to keep protected, including email addresses, driver’s license, passport numbers and passwords.
Step 2: Password protection
Once you’ve determined that your data has been part of a breach and is being sold on the dark web, one of the most important things you can do is to change your passwords to any stolen accounts, in order to minimize the potential damage that fraudsters can do.
This is where password manager tools can come in very handy. They allow users to store and recall long, strong and unique credentials for each of the websites and apps they use. This means that if one password is compromised, as in a breach scenario, your other accounts will remain secure. It also makes passwords harder for hackers to guess, which they may try to do with automated tools if they already have your email address.
Following a breach, it also makes sense to look out for follow-on phishing attacks which may try to trick you into handing over more information to the fraudsters. Here are a few tips:
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How Trend Micro can help
Fortunately, Trend Micro has several products that can help you, as a potential or actual victim of a data breach, to proactively mitigate the fallout from a serious security incident, or to foil the fraudsters:
Trend Micro ID Security: checks if your personal information has been uploaded to Dark Web sites by hackers. This highly secure service, available in apps for Android and iOS mobile devices, uses data hashing and an encrypted connected to keep your details safe, alerting when it has found a match on the Dark Web so you can take action. Use it to protect your emails, credit card numbers, passwords, bank accounts, passport details and more.
Trend Micro Password Manager: provides a secure place to store, manage and update your passwords. It remembers your log-ins, so you can create secure and unique credentials for each website/app you need to sign-in to. This means if one site is breached, hackers will not be able to use that password to open your other accounts. Password Manager is available for Windows, Mac, iOS, and Android, synchronizing your passwords across all four platforms.
Trend Micro Fraud Buster: is a free online service you can use to check suspicious emails It uses advanced machine learning technology to identify scam emails that don’t contain malicious URLs or attachments but still pose a risk to the user, because the email (which may be extortionist) reflects the fact that the fraudster probably got your email address from the Dark Web in the first place. Users can then decide to report the scam, get more details, or proceed as before.
Fraud Buster is also now integrated into Trend Micro Security for Windows, protecting Gmail and Outlook webmail in Internet Explorer, Chrome, and Firefox. It’s also integrated in Trend Micro Antivirus for Mac, where it does the same for Gmail webmail in Safari, Chrome and Firefox on the Mac.
In the end, only you can guard your identity credentials with vigilance.
The post The Wawa Breach: 30 Million Reasons to Try Dark Web Monitoring appeared first on .
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