For consumers

MY TAKE: How ‘credential stuffing’ is being deployed to influence elections, steal Covid-19 relief

By Byron V. Acohido

What do wildfires and credential stuffing have in common?

For several years now, both have flared up and caused harm at the fringes of population centers and our digital economy. And, now, in 2020, both have escalated to catastrophic proportions.

Just after Labor Day, dried out trees and shrubs combined with high winds to erupt into massive wildfires that swiftly engulfed rural towns and even suburban areas of California, Oregon, Washington and several other states. Millions of acres of land got consumed, hundreds of thousands of people were evacuated and dozens lost their lives.

Meanwhile, all year long and continuing through the fall, opportunistic cybercriminals have launched wave after wave of automated credential stuffing campaigns. These bad actors are wreaking havoc in two arenas: Stealing Covid-19 relief payments on a massive scale as well as meddling, once again, in the election of a U.S. president.

The wildfires eventually subsided with calmer, damper meteorological conditions. However, massive surges of credential stuffing have persisted, fueled by a seemingly endless supply of already stolen, or easy-to-steal, personal information along with the wide availability of sophisticated hacking tools.

MY TAKE: Lessons learned from the summer of script kiddies hacking Twitter, TikTok

By Byron V. Acohido

Graham Ivan Clark, Onel de Guzman and Michael Calce. These three names will go down in the history of internet commerce, right alongside Jack Dorsey, Mark Zuckerberg and Jeff Bezos.

We’re all familiar with the high-profile entrepreneurs who gave us the tools and services that underpin our digital economy. However, Clark, de Guzman and Calce are equally notable as leading members of the Hall of Fame of script kiddies – youngsters who precociously shed light on the how these same tools and services are riddled with profound privacy and security flaws.

The trouble is Clark, 17, of Tampa, Florida, is teaching us much the same lessons in the summer of 2020 that de Guzman and Calce did in the spring of 2000. De Guzman authored the I Love You email virus that circled the globe infecting millions of PCs; Calce, aka Mafiaboy, released the Melissa Internet worm that knocked offline Amazon, CNN, eBay and Yahoo.

Judging from the success of script kiddies, the tech giants apparently have not learned very much about security in 20 years. Clark was arrested in late July and charged with masterminding the hijacking of the Twitter accounts of A-list celebrities, and then Tweeting from those accounts to pull off a Bitcoin scam. His caper is worrisome on two counts. First it shows how resistant companies continue to be with respect to embracing very doable cyber hygiene practices – measures that would prevent these sorts of hacks. And second, it reminds us how much capacity to wreak havoc truly malicious parties — not just script kiddies – possess. This is chilling considering the times we’re in. On the cusp of electing a U.S. president, with the world struggling to recover from a global pandemic, there are nuanced lessons we can learn from the Twitter Bitcoin hack. Here’s what all consumers and companies should heed going forward.

GUEST ESSAY: Skeptical about buying life insurance online? Here’s how to do it — securely

By Cynthia Madison

Purchasing life insurance once meant going to an insurer’s office or booking an appointment with an insurance agent. Then, in most cases, you’d have to undergo a medical examination and wait a few weeks to get approved and complete the whole process. But this scenario doesn’t seem to fit the fast-paced world we live in anymore. Today’s generation is used to getting everything done fast and easy, so life insurance providers had to get with the times and cover all customers’ needs and requirements.

Related: Life insurance types explained

From shopping to socializing or paying their bills, people seem to be doing everything online these days, so it was only a matter of time until insurance companies stepped into the digital world. Now everyone has the possibility to purchase life insurance from the comfort of their home by simply going online and looking for the policies that will fit their needs. Even major life insurance companies have stepped up their game and now provide a variety of online resources to cater to all consumers.

But with all the convenience also came concern. Some are still reluctant to purchase life insurance online for safety reasons and because they’re still unfamiliar with the steps they should follow. When you search for life insurance online, you’re on your own, with no one to guide you through the process, so how can you be sure you won’t make any costly mistakes? Here we’re going to tackle these issues and more to help you make an informed decision if you decide to buy life insurance online.

The pros

Apart from providing a hassle-free process, there are other notable advantages to buying life insurance online. For one, online platforms give you the possibility to compare insurance options from different providers, something that’s not possible if you go the traditional route. Different companies will offer different prices for the same type of policy, so you’ll have to … more

Comment | Read | August 24th, 2020 | For consumers | Guest Blog Post

MY TAKE: Even Google CEO Sundar Pichai agrees that it is imperative to embed ethics into AI

By Byron V. Acohido

It took a global pandemic and the death of George Floyd to put deep-seated social inequities, especially systemic racism, front and center for intense public debate.

We may or may not be on the cusp of a redressing social injustice by reordering our legacy political and economic systems. Only time will tell. Either way, a singular piece of technology – artificial intelligence (AI) — is destined to profoundly influence which way we go from here.

This is not just my casual observation. Those in power fully recognize how AI can be leveraged to preserve status-quo political and economic systems, with all of its built-in flaws, more or less intact.

Conversely, consumer advocates and diversity experts can see how AI could be utilized to redistribute political power more equitably, and in doing so, recalibrate society – including blunting systemic racism.

In late January, as COVID-19 was beginning to spread, the most powerful people on the planet flew to Davos, Switzerland to attend the 50th annual World Economic Forum. AI was prominent on their agenda. These heads of state and captains of industry even coined a buzz phrase, “stakeholder capitalism,” to acknowledge the need to take into account the interests of the economically disadvantaged and politically powerless citizens of the world as they bull ahead with commercial and political uses of AI.“AI is one of the most profound things we’re working on as humanity,” Sundar Pichai, CEO of Alphabet, Google’s parent holding company, told Bloomberg News in Davos. “It’s more profound than fire or electricity.”

ROUNDTABLE: What’s next, now that we know V.I.P Twitter users can so easily be spoofed?

By Byron V. Acohido

Judging from the criminals’ meager pay day, the high-profile hack of Twitter, disclosed last week, was nothing much.

The hackers insinuated their way deep into Twitter’s internal system. They were able to get into a position from which they could access some 350 million Twitter accounts, including numerous accounts of the rich and famous.

They then hijacked control of the accounts of Barack Obama, Jeff Bezos, Elon Musk, Bill Gates, Joe Biden, Mike Bloomberg and Kanye West, among others. Next they used the accounts — posing as the celebrities — to pitch Bitcoin variants of the classic Nigerian Prince-type of grift. The con game ran for a little over an hour before Twitter shut it down – and the criminals hauled in only $118,000.

However, because of how Twitter has become a tool to manipulate social discourse, spread disinformation and even influence presidential elections, this hack could yet have a much more devastating long-run impact. Last Watchdog gathered observations from a roundtable of cybersecurity thought leaders. Here’s what concerns them, going forward:

MY TAKE: Remote classes, mobile computing heighten need for a security culture in K-12 schools

By Byron V. Acohido

Parents have long held a special duty to protect their school-aged children from bad actors on the Internet.

Now COVID-19 has dramatically and permanently expanded that parental responsibility, as well as extended it to ill-prepared school officials in K-12 campuses all across the nation. The prospect of remotely-taught lessons remaining widespread for some time to come has profound privacy and cybersecurity implications, going forward.

Overnight, those in charge must learn how to operate all of our elementary, junior high and high schools as if they were digital-native startups. Students, parents and teachers at each K-12 facility, henceforth, need to be treated as the equivalent of remote workers given to using a wide variety of personally-owned computing devices and their favorite cloud services subscriptions. And it must be assumed that many of them are likely ignorant of good cyber hygiene practices.

School district officials will have to adapt and embrace a bold, new paradigm – and they’ll have to do it fast. The stakes are very high. Organized hacking groups will be quick to single out — and plunder — the laggards. Here’s what all parents and school officials need to spend the summer thinking about and planning for:

Zoom-bombing lessons

“Zoom-bombing” entered our lexicon soon after schools began their first attempts at using the suddenly indispensable video conferencing tool to conduct classes online. Attackers quickly figured how to slip obscenities and even pornographic videos into live classes.

This was an early indicator of how far most schools have to go in adopting an appropriate security posture. No one enforced the use of passwords, nor insisted on strict teacher control of those lessons. To Zoom’s credit, password protection and a “waiting room” feature,

MY TAKE: Technologists, privacy advocates point to flaws in the Apple-Google COVID-19 tracing app

By Byron V. Acohido

If the devastating health and economic ramifications weren’t enough, individual privacy is also in the throes of being profoundly and permanently disrupted by the coronavirus pandemic. The tech giants are partnering on a tool for public good, but critics worry it will ultimately get used for predatory surveillance.

Apple and Google are partnering up to bring technology to bear on COVID-19 contact tracing efforts. The tech giants are laudably putting aside any competitive urgings to co-develop a solution that combines mobile operating system, Bluetooth and GPS technologies to help us all get past the burgeoning health crisis.

However, in an apparent effort to live down Google’s abjectly poor track record respecting consumer privacy, the Apple-Google partnership is treading lightly to avoid anything that might hint at an undue invasion of individual privacy. In doing so, their proposed solution has a number of glaring technical and privacy-protection shortcomings, according to several technologists I spoke with. In fact, the Apple-Google project has exacerbated a privacy controversy that flared up in Europe in the early stages, one that has more recently been picking up steam in the U.S., as well. Here’s how technologists and privacy experts see things stacking up:

Bluetooth-based tracing

Infected persons will be able to use their iPhones or Android devices to make their status known to a central server, which then correlates an anonymized identifier of the infected person to anonymized IDs of non-infected persons who happen to be in close proximity. The server then alerts the non-infected persons to self-immunize.

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The Last Watchdog

For consumers

MY TAKE: How ‘credential stuffing’ is being deployed to influence elections, steal Covid-19 relief

By Byron V. Acohido

MY TAKE: Lessons learned from the summer of script kiddies hacking Twitter, TikTok

By Byron V. Acohido

GUEST ESSAY: Skeptical about buying life insurance online? Here’s how to do it — securely

By Cynthia Madison

MY TAKE: Even Google CEO Sundar Pichai agrees that it is imperative to embed ethics into AI

By Byron V. Acohido

ROUNDTABLE: What’s next, now that we know V.I.P Twitter users can so easily be spoofed?

By Byron V. Acohido

MY TAKE: Remote classes, mobile computing heighten need for a security culture in K-12 schools

By Byron V. Acohido

MY TAKE: Technologists, privacy advocates point to flaws in the Apple-Google COVID-19 tracing app

By Byron V. Acohido