Small Talk About Identity Theft Online.







What is Identity Theft Online?

This relative new increasing Cyber violation,is a crime whereby criminals impersonate individuals,usually for financial gain.

In today's society,you often need to reveal personal bits of information about yourself, such as social security numbers, a signature, name,address, phone numbers,and even banking and credit card information.

If a thief is able to access this personal information, he or she can use it to commit fraud in your name.

With this information the thief could do things such as apply for loans or new credit card accounts.

They can then request a billing address change and run up your existing credit card without you knowledge.

They can also use counterfeit checks and debit cards, or authorize electronic transfers in your name,to wipe out your your bank account. Identity Theft Online Crime can also go beyond the type of a monetary impact.

Thieves can use your information to obtain a driver's license or other documentation that would display their photo but your name and information. With these documents thieves could to obtain a job and file fraudulent income tax returns, apply for travel documents, file insurance claims, or even provide your name and mailing address to police and other authorities if involved in other criminal activities.

Using Information on the Internet for Identity Theft Online.

The outcome of this Cyber Crime,is usually the same, regardless of how the thief obtains your information.

However, the Internet is providing new ways for people to steal your personal information and to commit fraud.

Thieves can accomplish their goal several ways such as using Internet chat rooms and spreading Trojan horses that drop key loggers on your computer to transit any passwords, usernames and credit card numbers you use on your computer back to the thieves.



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Many online businesses today also store personal information about customers and shopper on their Web sites, and that information is used when a person returns to the Web site. This provides another way for your personal information to be accessed.

Key Terms To Understanding Identity Theft:

Security: In the computer industry, refers to techniques for ensuring that data stored in a computer cannot be read or compromised by any individuals without authorization.

cyber forensics:

The application of scientifically proven methods to gather, process, interpret, and to use digital evidence to provide a conclusive description of cyber crime activities.

Phishing:

The act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft online.

E-mail spoofing:

Forging an e-mail header to make it appear as if it came from somewhere or someone other than the actual source.

Additionally, e-mail phishing,thieves attempt to gather your personal information.

Phishing e-mails falsely claim to be an established legitimate enterprise in an attempt to scam you into surrendering private information that will be used for identity theft.

The e-mail will direct you to visit a Web site where you're asked to update personal information, such as passwords and credit card, social security, and bank account numbers — information the legitimate organization already has. The Web site, however, is bogus and set up only to steal your information.

Is Internet Identity Theft Cause for Concern?

Internet-based identity fraud is a problem and is something that makes many people hesitant about making a purchase online, or signing up for what others consider everyday occurrences such as creating a PayPal account, purchasing from e-commerce sites, using auction Web sites or even using Internet banking and checking their credit card statements online.

While identity theft is definitely a hot topic in the media today, this cyber crime actually accounts for only a small percentage of the total identity theft fraud cases.

A recent survey & Research indicated that identity fraud, as a percentage of of the United States adult population went down to 4 percent between 2003 and 2006.

In addition the report also claims that 90 percent of this identity theft takes place through traditional offline channels and not through the Internet.

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