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Marshal McLuhan's forecasts highlight a new series of problems and solutions
Last month, Jenny Davies, an 18-year-old girl who lived in New York, took a call she thought came from her bank; Unfortunately for her, she did not think of correctly identifying the caller. They told her that they had seen some unusual activities on her account and that she needed her to transfer her money to another account. He had to call the bank again on the number provided to arrange the deal, which she had duly done.
As indicated, he transferred $ 15,000 in three separate tranches, money he had saved for a postgraduate life outside his native Australia. This was just below the minimum to attract the attention of a regulatory department. Two days later, Jenny realized she had been cheated of the entire sum.
This is just a scam in a series going on in the United States and elsewhere.
Perhaps the root of the problem is this: the banks identify us to show that we are who we say we are, but we have no reliable means of identifying them.
The confidence trick on Ms Davies revolves around our collective habit of never knowingly identifying banks. Of course, validation often takes place, but it is unconscious.
We know that the bank in the middle of our main street is the real one because of the cost to create a fake Citibank or Chase bank, what the security industry calls a "parody" is too big and the effort too big. & nbsp; The building is substantial and could never really be a fake. The cost of bricks and mortar is the validator. Or it was the validator.
Once the online banking operations are taken, that cost disappears and a bank is just another voice at the end of a telephone line, so a new problem emerges. They identify us, but how much do we identify them?
If we are dealing with professionals who advise us on our banking, real estate and medical problems, how do we know that we are talking to good guys or bad guys?
A basic level of security
Banks often say things like "we will never give our surnames" or "we will never send you emails about transactions", but these comments often confuse customers. And none of these "never do something" adds a lot of security to the process. Banks, like members of their public, rely on brick and mortar to reduce opportunities for fraudsters to spoof. They want us to have an address where they can also send paperwork.
But this is all but safe, since our homes are more worthy than one might think.
The people of Chorlton, Manchester, in the United Kingdom, found the letterboxes glued to their porches, with no idea how they had arrived. Presumably it was the first phase of a spoofing effort to capture details.
Similar attacks have succeeded in changing the details of the land register on the properties of the elderly, in effect allowing fraudsters to steal their homes. Hundreds of thousands of pounds of value can be stolen in a relatively simple operation. All you need to complete the fraud is an auction and another fake identity bank account to deposit the money.
It is no exaggeration to say that we now have an identity crime epidemic.
The number of identity theft victims in the United States has risen to 16.7 million in 2017. The cost of all lost data amounts to nearly $ 17 billion.
So, how did you get to this?
Recognize the premises
When Marshall McLuhan said, in his book on the media, that we would soon be living in what he called "the global village", he probably did not know how exactly that prediction would take place – or the problems he would have.
McLuhan predicted that many facets of village life would reemerge on a global basis and this insight proved to be true.
In the village of yore, we knew each other through gossip at the post office, and thanks to Facebook, which obviously came many years after McLuhan's death, we can do the same with people in very different time zones.
In the old village we provided food and shelter to travelers who had fallen into trouble. In the global village we now help the Syrians who come from war-torn places in the middle of the world, when politics allows it.
And when we enter the village post office, our knowledge of the post office and the building they work in guarantees that it will not steal our pension funds. Our knowledge of this identity is stored in our minds and in the minds of the other villagers.
In turn, the chancellor's knowledge of our identity guarantees that we will not steal anyone's pension, and the clerk's knowledge of the villagers' identities also guarantees this.
But how does this knowledge of our faces translate when it is the global post office to take care of our most important transactions? Where does this facial recognition reside for everyday interactions? Surely not in the post office employees you know the most.
The traditional answer was the passport, but this solution is all but satisfying.
.
"A passport works well if the document is actually there, so you can see it's more or less genuine," says Andrew Bud of iProov, "And if the real person is standing in front of the desk so that someone can compare their face with the photo. & Nbsp; But regarding our life on the Internet, where you have neither the document nor the real person ? "
In the online economy, getting the passport details sent to the other end is a problem, but an even bigger problem is knowing how the person presents himself.
"In a world where there are many images of people disseminated on Facebook, it is not difficult to find images to create false accounts." How can the person on the other side suppose that they are identified? "Bud asks.
And even trained passport officers, passport photos shown along with selfies, allow a tested actor to appear 10% of the time.
Bud's iProov company worked on the problem for a while. & nbsp; They have created an app for smartphones and PCs that takes a couple of seconds of video of you, while the screen brightens up your face with a sequence of bright colors that Bud refers to his "disco" apps.
"We can tell if you're a real person staring at the camera as if it were distinct from another photo on the camera," Bud says, "Even if someone took the picture or video from the Internet and manipulated with some heavy software, our software will report it as false. "
Bud has sold his system to the United States government, who are eager to begin trials. "It's very exciting, it means that a solitary person can validate his or her identity in a safe and simple way.
Typically of a modern solution to the problems of the global village, Iproov uses artificial intelligence and has a distributed rather than a centralized approach, because the villages are by their nature distributed non centralized.
East Is Fleeced
If we think we have had problems with identity theft and fraud in the West, perhaps we should be grateful not to live where there are even more ways to get goods pulled away from us.
In many parts of Southeast Asia, owning property can mean dealing with a often corrupt government official who, for a modest employer, will happily change a name on the land register with someone else's. The problem is so great that it constitutes an important obstacle to land ownership and social progress.
Chami Akmeemana operates two companies based in Canada, Blockchain Learning Group is Blockscale solutions, which are developing solutions to mitigate this risk. At the beginning of this year, they created a concept draft for a land register based on blockchain in the state of Haryana in India. It is a tamper-proof system which is transparent to all interested parties and to the public and which is likely to block this fraud.
"Along with a robust ID verification protocol, it will become impossible to cheat the system," says Chami Akmeemana. "Our record solutions – be it land, businesses or other – attract interest in regions like South America, Southeast Asia and North America". For these places, this technology could be revolutionary, in terms of greater social impact. That's why there's a great desire to put them in place.
Many of the frauds that are occurring are combined with additional identity frauds. If you are stealing someone's home, you must deposit the funds in a fake bank account. This requires a little more fraud ID and a bank that failed to be sufficiently diligent in Know Your Customer (KYC).
But how do you know your client if your client can be created by collecting lots of photos and bits of information from the internet?
This was a point not lost in the serial blockchain entrepreneur Vinny Lingham.
Lingham noted that as a speaker in many events there was no lack of portraits of the head and shoulders available to anyone who wanted to help. Which meant that anyone who could work with a little photoshop magic could steal his identity for his own purposes.
Lingham came across a series of white papers that referred to him as an arbiter and used his photo along with some words of support. They were not stealing his house, but they were stealing his reputation and his validation.
Lingham continued to create a series of verification of the identity based on blockchain tools. At the end crypto, these could do their part with the reduction of fraud and theft, verifying the relations with the ID codes.
At the end frivolous, Know Your Customer (KYC) can be part of the sale of a beer to someone over 21 without being able to steal the date of birth information.
While on a more serious note, World Identity Network (WIN) is an organization that designs programs that use blockchain to help fight trafficking in human beings, modern slavery, exploitation and all forms of exclusion. Mariana Dahan, founder of WIN, believes that "everyone on earth should be able to show who they are: it is a fundamental human right".
So, what will McLuhan do with the world we are entering?
Whether we buy beer or airline tickets, we publish tweets and maybe hire a car soon, we will always be challenged for our identity. It will not take more than a fraction of a second and we may not even stop doing it.
How to be recognized by villagers in ancient times will happen all the time and we will not even notice what is happening.
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Marshal McLuhan's forecasts highlight a new series of problems and solutions
Last month, Jenny Davies, an 18-year-old girl who lived in New York, took a call she thought came from her bank; Unfortunately for her, she did not think of correctly identifying the caller. They told her that they had seen some unusual activities on her account and that she needed her to transfer her money to another account. He had to call the bank again on the number provided to arrange the deal, which she had duly done.
As indicated, he transferred $ 15,000 in three separate tranches, money he had saved for a postgraduate life outside his native Australia. This was just below the minimum to attract the attention of a regulatory department. Two days later, Jenny realized she had been cheated of the entire sum.
This is just a scam in a series going on in the United States and elsewhere.
Perhaps the root of the problem is this: the banks identify us to show that we are who we say we are, but we have no reliable means of identifying them.
The confidence trick on Ms Davies revolves around our collective habit of never knowingly identifying banks. Of course, validation often takes place, but it is unconscious.
We know that the bank in the middle of our main street is the real one because of the cost to create a fake Citibank or Chase bank, what the security industry calls a "parody" is too big and the effort too big. The building is substantial and could never really be a fake. The cost of bricks and mortar is the validator. Or it was the validator.
Once the online banking operations are taken, that cost disappears and a bank is just another voice at the end of a telephone line, so a new problem emerges. They identify us, but how much do we identify them?
If we are dealing with professionals who advise us on our banking, real estate and medical problems, how do we know that we are talking to good guys or bad guys?
A basic level of security
Banks often say things like "we will never give our surnames" or "we will never send you emails about transactions", but these comments often confuse customers. And none of these "never do something" adds a lot of security to the process. Banks, like members of their public, rely on brick and mortar to reduce opportunities for fraudsters to spoof. They want us to have an address where they can also send paperwork.
But this is all but safe, since our homes are more worthy than one might think.
The people of Chorlton, Manchester, in the United Kingdom, found the letterboxes glued to their porches, with no idea how they had arrived. Presumably it was the first phase of a spoofing effort to capture details.
Similar attacks have succeeded in changing the details of the land register on the properties of the elderly, in effect allowing fraudsters to steal their homes. Hundreds of thousands of pounds of value can be stolen in a relatively simple operation. All you need to complete the fraud is an auction and another fake identity bank account to deposit the money.
It is no exaggeration to say that we now have an identity crime epidemic.
The number of identity theft victims in the United States has risen to 16.7 million in 2017. The cost of all lost data amounts to nearly $ 17 billion.
So, how did you get to this?
Recognize the premises
When Marshall McLuhan said, in his book on the media, that we would soon be living in what he called "the global village", he probably did not know how exactly that prediction would take place – or the problems he would have.
McLuhan predicted that many facets of village life would reemerge on a global basis and this insight proved to be true.
In the village of yore, we knew each other through gossip at the post office, and thanks to Facebook, which obviously came many years after McLuhan's death, we can do the same with people in very different time zones.
In the old village we provided food and shelter to travelers who had fallen into trouble. In the global village we now help the Syrians who come from war-torn places in the middle of the world, when politics allows it.
And when we enter the village post office, our knowledge of the post office and the building they work in guarantees that it will not steal our pension funds. Our knowledge of this identity is stored in our minds and in the minds of the other villagers.
In turn, the chancellor's knowledge of our identity guarantees that we will not steal anyone's pension, and the clerk's knowledge of the villagers' identities also guarantees this.
But how does this knowledge of our faces translate when it is the global post office to take care of our most important transactions? Where does this facial recognition reside for everyday interactions? Surely not in the post office employees you know the most.
The traditional answer was the passport, but this solution is all but satisfying.
"A passport works well if the document is actually there, so you can see it's more or less genuine," says iProov's Andrew Bud, "and if the real person is standing in front of the desk so someone can compare their face with the photo, but what about our life on the Internet, where you have neither the document nor the real person? "
In the online economy, getting the passport details sent to the other end is a problem, but an even bigger problem is knowing how the person presents himself.
"In a world where there are many images of people disseminated on Facebook, it is not difficult to find images to create false accounts." How can the person on the other side suppose that they are identified? "Bud asks.
And even trained passport officers, passport photos shown along with selfies, allow a tested actor to appear 10% of the time.
Bud's iProov company worked on the problem for a while. They have created an app for smartphones and PCs that takes a couple of seconds of video of you, while the screen brightens up your face with a sequence of bright colors that Bud refers to his "disco" apps.
"We can tell if you're a real person staring at the camera as if it were distinct from another photo on the camera," Bud says, "Even if someone took the picture or video from the Internet and manipulated with some heavy software, our software will report it as false. "
Bud has sold his system to the United States government, who are eager to begin trials. "It's very exciting, it means that a solitary person can validate his or her identity in a safe and simple way.
Typically of a modern solution to the problems of the global village, Iproov uses artificial intelligence and has a distributed rather than a centralized approach, because the villages are by their nature distributed non centralized.
East Is Fleeced
If we think we have had problems with identity theft and fraud in the West, perhaps we should be grateful not to live where there are even more ways to get goods pulled away from us.
In many parts of Southeast Asia, owning property can mean dealing with a often corrupt government official who, for a modest employer, will happily change a name on the land register with someone else's. The problem is so great that it constitutes an important obstacle to land ownership and social progress.
Chami Akmeemana operates two companies based in Canada, Blockchain Learning Group and Blockscale Solutions, which are developing solutions to mitigate this risk. At the beginning of this year, they created a concept draft for a land register based on blockchain in the state of Haryana in India. It is a tamper-proof system which is transparent to all interested parties and to the public and which is likely to block this fraud.
"Along with a robust ID verification protocol, it will become impossible to cheat the system," says Chami Akmeemana. "Our record solutions – be it land, businesses or other – attract interest in regions like South America, Southeast Asia and North America". For these places, this technology could be revolutionary, in terms of greater social impact. That's why there's a great desire to put them in place.
Many of the frauds that are occurring are combined with additional identity frauds. If you are stealing someone's home, you must deposit the funds in a fake bank account. This requires a little more fraud ID and a bank that failed to be sufficiently diligent in Know Your Customer (KYC).
But how do you know your client if your client can be created by collecting lots of photos and bits of information from the internet?
This was a point not lost in the serial blockchain entrepreneur Vinny Lingham.
Lingham noted that as a speaker in many events there was no lack of portraits of the head and shoulders available to anyone who wanted to help. Which meant that anyone who could work with a little photoshop magic could steal his identity for his own purposes.
Lingham came across a series of white papers that referred to him as an arbiter and used his photo along with some words of support. They were not stealing his house, but they were stealing his reputation and his validation.
Lingham continued to create a set of blockchain-based identity verification tools. At the end crypto, these could do their part with the reduction of fraud and theft, verifying the relations with the ID codes.
At the end frivolous, Know Your Customer (KYC) can be part of the sale of a beer to someone over 21 without being able to steal the date of birth information.
While on a more serious note, World Identity Network (WIN) is an organization that designs programs that use blockchain to help fight trafficking in human beings, modern slavery, exploitation and all forms of exclusion. Mariana Dahan, founder of WIN, believes that "everyone on earth should be able to show who they are: it is a fundamental human right".
So, what will McLuhan do with the world we are entering?
Whether we buy beer or airline tickets, we publish tweets and maybe hire a car soon, we will always be challenged for our identity. It will not take more than a fraction of a second and we may not even stop doing it.
How to be recognized by villagers in ancient times will happen all the time and we will not even notice what is happening.
