Seeking Out Personal Credit Card Information

Consequences of sharing personal information- children often put personal information about themselves on social networking sites etc. This makes them easy to be identified. Information such as addresses, phone numbers and photographs. This can make them easy targets for adults who want to exploit them by building friendships with children online with an intention of meeting them (grooming). They could encourage children to engage in the conversations of a sexual nature. Taking and/or distributing photos using the internet.

When online commerce first emerged, many consumers were wary of supplying their credit cards and giving their personal information to online stores. This led to the development of websites such as Paypal, which restricts the access a retailer has to one’s credit card number (Einstein). The threat of fraud has always been a worry for online consumers, but consumers face the same threats when shopping in a brick and mortar store (Chadwick).

There is no way to truly verify age on the internet; this is a big concern because there is a wealth of content that should not be accessed by children. Pornographic material is the most prominent, and children can very easily stumble upon these types of websites and be exposed to things that they should not be. Along with finding inappropriate materials online, children are also at a great risk because of how easy it is to communicate with people. Children every day are persuaded by online “friends” to meet them or do things for them that put them at great risk.

Every day minors get involve in web pages and social media which may sound as a bad

Imagine a parent, walking into their son or daughter’s room to see an unpleasant image on their device’s screen. The image depicts something which may be offensive, gory, or inappropriate. How can parents be completely sure what their children come across? “Approximately 10,000-30,000 new inappropriate websites enter the work queue each day…” (www.fepproject.com, 2012). This issue is unfortunately occurring all over North America, affecting hundreds of thousands of teenagers, and concerning the parents of many children. “Predators sometimes prod their online acquaintances to exchange personal information, such as addresses and phone numbers, thus putting the kids they are chatting with—and their families—at risk” (http://kidshealth.org/en/parents/net-safety.html, 2016). With Internet filtering systems being installed will prevent students under the age of 18 from viewing inappropriate content, and other Internet users from discovering information about the young user. However, despite the internet being a dangerous place, this issue is also the fault of children across the world who take advantage of free website browsing.

According to HowStuffWorks.com, one of the easiest ways for identity theft to obtain our credit card information is to get a copy of our credit card receipt. Because many of these receipts have our credit card number, and if we’ve signed them, our signature and credit card number are right there for someone to copy. Similarly, our personal information can be found in many places, such as our account statements, hospital records, online account, in addition, our mailing address, date of birth can be easily looked up online. If we don’t properly keep and destroy those papers, our personal information can be leaked to identity thefts’ hands. Those criminals can use all the information to make purchases online. Furthermore, if somehow they find out our social security number, they can open new bank accounts, lease cars or get loans by using our

“It’s not just cards. It’s phishing kits, malware, spammer lists,” O’Farrell said. “It’s like a shopping mall for cybercrime. “This paper is not intended to go into detail on the dark web, however it has some relevance to our case regarding Home Depot. Recently, after the breach with Home Depot a large batch of credit and debit cards appeared and went on sale in the underground marketplace. The specific site is called “carder forum” where the information is sold but is very fast pace. Once the information has been determined lost or stolen the card information will decrease in value and soon become worthless. For example, since Target is similar to the Home Depot case when the Target information appeared for sale in the forums card numbers fetched up to $120 each, O’Farrell says who is an identity theft expert at Credit Sesame and founder of the non-profit Identify Theft Council, based in San Francisco. Within weeks, as banks started to cancel the cards, the prices dropped to $8 a card, he

Children are more likely to be found on a technological device that can access the Internet than outside being physically active. While in many cases, they are knowledgeable online users, children are still at risk when using the Internet. Their right to privacy online is endangered, especially when online businesses target children as consumers. Thus, an increased threat of children’s personal data collection exists.

Predators may pretend to be a peer or even go to the same school but in reality they are adults who are criminals. It is so easy to persuade kids to give information due to their vulnerability. Children do not have the knowledge that we as adults have. Kids should be able to be kids but when it comes to the web they need adult supervision to keep them safe and secure.

Kids need boundaries and guidelines when online. If a child does not have boundaries and guidelines in place, they may become prey for a predator. Simply limiting the amount of time children spend online and monitoring

Parents should have full access to their child’s social media website. A child unsupervised or with no restrictions on a social network is unacceptable. Children need to be supervised. A young child is very uneducated about the world. They need their parents. Children could be getting bullied and not speak about it, they could be posting inappropriate pictures or searching inappropriate things, or be putting out information because they may think they know everyone they are posting it to.

Nowadays organizations online need to ensure their client's information. If not individual data along with credit card numbers can fall into the wrong hands and we know what will happen at that point. This is one of the issues with online retailers but another is when the retailers sell their client's information. If this is done, then the client will have an issue with who gets their personal information and can be annoyed by the organizations that get their data. Generally, third party organizations are the ones purchasing this data. This can be a scary issue because many individuals are purchasing item online and this increases the risk of their data being sold. The data can go to third parties or into the wrong hands and this is

Censorship is crucial; it is needed to omit certain things from the mind of a young child. It is without a doubt that children-oriented programs should be strictly censored. Children lack the ability to distinguish between good and bad. Experimental proof has demonstrated that vulgar language in programs impose negative affect

Social networking sites such as Facebook and MySpace have exploded in recent years and young surfers in particular have become ardent fans of this dynamic and high-tech way to connect with the wider world around them, communicating with friends and hooking up with like-minded people. But as with everything in the virtual world, parents do need to understand how their children are interacting on social networking sites, and be sure their children know what to do if they have experience a bad or dangerous situation.

Despite the efficiency of the credit processing system, it created a unique environment for various kinds of frauds to prosper. Credit card fraud can change through the technology and methods employed. To combat credit card fraud, it is first important to understand the various types of methods used and the modus operandi of fraudsters. The main fraud schemes are account takeovers,