Tag: privacy

Insurers and the internet of things

Microsoft’s partnership with American Family Insurance shows how insurers are adopting the Internet of Things, is the community ready for real time monitoring of risk?

Earlier this week, Microsoft Ventures announced a partnership with American Family Insurance in an accelerator for home automation services.

The insurance industry has an obvious interest in the Internet of Things (IoT) as constant monitoring allows them to make more accurate assessments of risk and quickly adjust policies or premiums when circumstances change.

“We are focused on helping early stage companies bring new products and services to market that can make our policyholders’ homes and lives safer,” Microsoft’s media release quotes Dan Reed, American Family Ventures’ Managing Director as saying.

For consumers and the public at large, there a serious implications of constant monitoring by insurance companies, marketers and government agencies.

As Business Insider points out, Google already holds a massive amount of data on us all with Apple, Amazon, Facebook and Microsoft not far behind.

One of the key questions of the next decade is ‘do we we want our smart smoke detectors spying on us?’ and, if so, do we want it giving that data straight to the insurance company?

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The online security pains of a growing business

Stratfor’s humiliating computer hack is a lesson for all businesses about IT security

Possibly the most embarrassing of the outbreak of computer hacks in late 2011 was the breaching of prominent geopolitical analysts Strategic Consulting, also known as Stratfor.

The Daily Dot dissects what went wrong for Stratfor based on a leaked report from Verizon Business who carried out a “forensic investigation” of the hack which the company claims cost them $3.8 million in damages.

While the monetary damages were substantial for a relatively small company, Stratfor’s reputation was probably the greatest casualty as customers’ credit card details were exposed and the firm’s confidential files were distributed by Wikileaks.

The tragic thing is that none of this would have happened had Stratfor followed basic IT security practices, something that every business should be following.

Don’t store credit card details

Probably Stratfor’s biggest mistake was storing customers’ credit card details – there is no reason for saving your clients’ payment details. Ever.

If you’re accepting credit cards, organise a payment service to handle that work for you as they know what they are doing and take most of the management hassles, security and fraud risks.

In most cases, these companies’ fees are no more than manual processing fees that Stratfor and most businesses manually processing payments get hit with anyway.

Password policies

Another basic mistake was that passwords were shared and kept simple; there is no excuse for giving staff the same password to access confidential or critical files and systems.

Similarly, there wasn’t a ‘need to know’ policy; that is, that an analyst has no reason to have access to HR files and the receptionist no need to be looking at sales figures. Sensitive data should only be accessible to those who need it for their day-to-day work.

Remarkably, Stratfor didn’t have any properly configured firewalls and on many computers didn’t have up to data anti-virus protection. All of this made it easy for hackers to get into the network and access confidential information.

The online pains of growing a business

In some respects it’s possible to feel sorry for Stratfor’s management, the report is a classic example of a business that outgrew the IT structure for a one or two person operation founded by men who didn’t understand the risks of the internet.

Today there’s no excuse not to have systems locked down or to lack a company culture that recognises data security as being essential in the modern business world.

Stratfor’s hack was a spectacular example of what could go wrong, but it’s a warning for all businesses about the importance of security in a connected world.

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Building an internet we’re not ashamed of

How do we build an internet we’re not ashamed of asks developer and writer Maciej Ceglowski

Late last month writer, painter and software developer Maciej Ceglowski spoke at the design and technology conference, Beyond Tallerand in Dusseldorf.

The Internet with a Human Face is his closing keynote for the conference – let’s try to kill that kill that awful term ‘locknote’ for closing presentations – and is a wonderful overview of the unintended consequences of the internet we’re now seeing emerge.

Maciej compares the internet’s effects with that of the motor car in the Twentieth Century – the rise of the automobile totally changed society in ways our great grandparents couldn’t have expected.

Unexpected consequences

In many respects the changes were positive; the age of the motor car saw massive increases in living standards through the second half of the century. However the immediate downside of those efficient supply chains were equally massive increases in obesity rates, suburban alienation and urban sprawl.

A similar thing is happening with this wave of technological changes; as Maciej describes in our presentation, our views of how the web was going to evolve is turning out to be very different to what we expected.

One great example is in small business advertising where we expected online channels would democratise marketing. Instead the exact opposite has happened.

Maciej’s view is far broader than just the relatively trivial problem of small business advertising, particularly with the ‘Internet never forgetting’ with the concentration of the industry in one of the world’s great earthquake zones as another major risk.

Building an internet we’re not ashamed of

Ultimately, though Maciej sees the problems facing the internet industry as a design problem.

“I have no idea how to fix it. I’m hoping you’ll tell me how to fix it. But we should do something to fix it. We can try a hundred different things. You people are designers; treat it as a design problem! How do we change this industry to make it wonderful again? How do we build an Internet we’re not ashamed of?”

While being ashamed is a big call, and probably unfair in that it’s like blaming Henry Ford for 2014 childhood obesity rates in Minnesota, Maciej has flagged that there are real adverse unintended consequences to the way the internet is evolving.

All of us involved in the industry need to recognise those adverse effects and start acting to fix these problems.

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ABC Nightlife – security, dropping off the grid and 4D printing

Apple Security, the Heartbleed bug and dropping off the grid are the topics of the May 2014 ABC Nightlife spot

Paul Wallbank joins Tony Delroy on ABC Nightlife across Australia from 10pm Australian Eastern time tonight to discuss how technology affects your business and life.

For the May 2014 spot we looked at computer security, specifically Apple ransomware and The Heartbleed bug along with dropping off the grid, 4D printing and the future of design.

To protect from the Oleg Pliss ransomware – or any similar problems – have a strong password, enable the screen passkey and enable two factor authentication.

Join us

We’d love to hear your views so join the conversation with your on-air questions, ideas or comments; phone in on the night on 1300 800 222 within Australia or +61 2 8333 1000 from outside Australia.

Tune in on your local ABC radio station from 10pm Eastern Summer time or listen online at www.abc.net.au/nightlife.

You can SMS Nightlife’s talkback on 19922702, or through twitter to @paulwallbank using the #abcnightlife hashtag or visit the Nightlife Facebook page.

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Privacy by design

How can businesses protect customers’ privacy, Intel Security’s Michelle Dennedy discusses how to bake privacy into your organisation

“Know your data” is the key tip for businesses concerned about privacy says Michelle Dennedy, Chief Privacy Officer for Intel Security, formerly McAfee.

“It’s really important to go back to basics,” says Michelle. “We’re trying to do bolt-on privacy, just like we did with security years ago. I think it’s time to take a good look at the policy side, which id called Privacy By Design, thinking about it at early states and being consumer-centric.”

“We at McAfee call it ‘Privacy Engineering’; looking at the tools. methodologies and standards from the past, adding current legislative requirements and business rules then turning them into functional requirement.”

Michelle, who is also co-author of the Privacy Engineering Manifesto, was speaking to Decoding The New Economy as part of Privacy Awareness Week.

A key part of the interview is how Michelle sees privacy evolving in a global environment, “if you’d asked me in 2000 where we’d be today I’d have told you it would be like the 1500s when we were dealing with shipping lanes. We would have treaties, it would harmonised and we’d understand that global trade is a hundred percent based upon sharing.”

“We have instead decided to become a set of Balkanized nations.”

For individual businesses “know thy data,” is Michelle’s main advice. “Know what brings you risk, know what brings you opportunity.”

In Michelle’s view, businesses need to balance the opportunities against the risks and treat customers data with respect as the monetisation policies of many online platforms don’t recognise users’ costs in time and data sold.

As businesses find themselves being flooded with data, protecting it and respecting the privacy of customers, users and staff is going become an increasing important responsibility for managers.

It’s worthwhile understanding the privacy laws as they apply to you and making sure your systems and staff comply with them.

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Dropping off the grid

Can you drop off the grid and hide from Big Data? The results of one lady’s experiment aren’t encouraging.

Just how hard is it to hide from big data? ABC Newcastle’s Carol Duncan and I will be discussing this from 2.40 this afternoon.

Princeton University assistant professor of sociology Janet Vertesi decided she’d find out by trying to conceal her pregnancy from the internet.

She describes her experiences to Think Progress and the lessons are startling on how difficult it is to drop off the Internet and business databases.

While it’s easy to tritely say ‘don’t use the internet’, Janet found that using cash to avoid being picked up by bank databases raises suspicions while not using discount voucher or store cards meant she missed out on valuable savings.

For many people though dropping off the internet is not an option – not having a LinkedIn profile hurts most job hunters’ chances of finding work while if you want to participate in communities, it’s often essential to join the group’s Facebook page.

The amazing part of all is that Janet herself became a Google conscientious objector two years ago after deciding the company’s data collection methods were too intrusive. Yet she still found it hard to keep the news of her baby off the internet.

Ultimately her friends were the greatest risk and she had to beg them not to mention her pregnancy on Facebook and other social media channels lest the algorithms pick that up.

For Janet, it proved possible but it was really hard work;

Experience has shown that it is possible, but it’s really not easy, and it comes with a lot of sacrifices. And it requires some technical skill. So to that end, it’s my concern about the opt-out idea. I don’t actually think it’s feasible for everyone to do this.

So can you drop off the net? Do you know if you’re on it at all. Join us on ABC Newcastle with Carol Duncan from 2.40 to discuss these issues and more.

Filing cabinet image by ralev_com through SXC.HU

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Heartbleed, kettles and design – ABC 702 Mornings

The Heartbleed bug and the connected kettle are the topics of today’s 702 Sydney segment with Linda Mottram

This morning from 10.20am on 702 Sydney I’m talking to Linda Mottram about the Heartbleed bug, connected kettles and dropping off the grid. It’s crowded twenty minutes and I’m not sure how much we’ll cover.

Heartbleed is the main topic of the segment and it’s a big issue that not only exposes a weakness in secure computing but also points out problems with the Internet of Things and the open source model of developing software.

One of the quirky stories of the last few weeks has been the iKettle, a connected kitchen appliance. Do we need one and what happens to your cup of tea if the internet drops out.

3D printing is changing the world of manufacturing but designers are now looking at 4D printing, what is it and how might it change the world of design.

If we get time we’ll also look at the possibilities of dropping off the all seeing grid with the story of a security researcher who tried to hide her pregnancy from the Internet.

We’d love to hear your views so join the conversation with your on-air questions, ideas or comments; phone in on 1300 222 702 or post a question on ABC702 Sydney’s Facebook page.

If you’re a social media users, you can also follow the show through twitter to @paulwallbank and @702Sydney.

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