Tuesday, July 25, 2006

Identity Theft - How your identity gets tracked online

How much can Internet companies learn about you while you're surfing? They can actually learn a lot about you, your likes and dislikes, habits and purchase history. Here is how they can find this information:

  1. You go to http://www.google.com/ and do a search on electronics stores.
  2. You click on www.circuitcity.com
  3. Whether you register or not, browser information and cookies can be retrieved from your PC by web sites that you have visited. The following Internet Explorer option, AutoComplete, is automatically turned on by default on home versions of Windows. Most companies configure Internet Explorer security features so that this option is turned off. When this option is turned on, personal information is automatically populated when conducting a transaction (e.g. purchasing a CD form Circuit City). In order to turn off this option: Within Internet Explorer, navigate to Tools menu, click Internet Options, click the Content tab; Under Personal information, click AutoComplete; Deselect any boxes that are checked; Click OK
  4. Circuitycity.com now knows that you came to their site from http://www.google.com/. They know that your IP address is 168.105.79.52, (if using a firewall can translate to 192.168.20.7). Your IP address might also reveal the surfer’s ISP, town, company or school.
  5. You navigate to http://www.chicagosuntimes.com/. This is a site you visit regularly to browse for news, but you are not a registered user. You have visited this site 6 times in the past month. You typically spend 30 seconds on the home page before clicking on the sports and business pages before leaving.
  6. You navigate to http://www.cnn.com/. A banner ad network which is CNN’s partner recognizes you (not by name, but by computer) CNN uses technology that maps IP addresses to real-world locations. As a result, they are able to determine that you live in Schaumburg, IL.
  7. You now register at the http://www.sweepstakesonline.com/ contest Web site. Sweepstakesonline.com now knows your name, address, phone number, gender, birth date, work phone and personal tastes. This information can now be sold or shared many times over. This information can be mapped to any additional information gleaned from cookies, such as previous Web sites visited. Hackers can break in and steal this information. If the Web site is acquired, the new company owns the information
  8. You now navigate to http://www.amazon.com/ and buy a book. Amazon now knows all of your prior purchases, any product you have ever searched for, and all of your personal information. In addition, using a technique called collaborative filtering, Amazon is able to determine what other types of book you might want to purchase

Monday, July 24, 2006

Identity Theft - 10 Ways to Protect your Identity

1. Burn or shred, with a cross shredder, any mail or financial papers with your personal information on it. Never recycle them.

2. Call 1-888-5OPTOUT and ask to stop credit card companies from sending pre-approved credit card applications to your house. They are ticking identity theft time bombs.

3. Ask your credit card firm to cease delivery of "convenience checks." They, too, are ticking time bombs.

4. You're entitled to one free credit report each year. Get it as soon as possible and review it carefully.

5. Order a credit report a month or more before you make a big purchase or apply for credit, to be sure there are no surprises in your history.

6. Hassle companies that ask for personal information, such as your phone number at a checkout line. The harder we make it on companies, the less they will be inclined to continue the practice.

7. Its impossible to tell what's real and what's fake online. Just delete any e-mail that asks for personal information.

8. Just hang up on telemarketers, particularly ones who seem to be fishing for personal information, like your birthday.

9. Limit the number of credit cards you hold, and religiously inspect your financial statements each month. Consumer rights quickly fade over time; the sooner you discover an identity theft incident, the better.

10. Most of the time, you can't prevent an ID theft incident from occurring, because two-thirds of the time, some company that leaked the data is to blame. So be prepared, and be organized. Save paper bank records for a year, at least. You'll need them to prove your account balance in the event of an ID theft incident.

Identity Theft - What to do when your Identity has been stolen?

Step 1: Protect your finances

Contact the fraud departments of each of the three major credit bureaus:

Get a copy of your credit report, which is free to ID theft victims. Ask that your file be flagged with a "fraud alert tag" and a "victim's statement." That will limit the thief's ability to open new credit accounts, as new creditors will call you before granting credit, generally. Insist, in writing, that the fraud alert remain in place for seven years, the maximum, according to PrivacyRights.org.

Step 2: File a police report

You will need a police report to dispute unauthorized charges and for any insurance claims. Be persistent; your local police department may suggest that this isn't necessary, because they don't want the paperwork hassle. Also, fill out an online ID Theft complaint with the Federal Trade Commission or call 1-877-ID-THEFT.

That enters your case in the FTC's "Consumer Sentinel" database, a nationwide list of ID theft cases which can be used by law enforcement officers to find patterns and catch criminals.

Step 3: Close all compromised accounts

The list may be wider than you realize. This includes accounts with banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers. Dispute all unauthorized charges - The FTC offers a sample dispute letter on its Web site. Disputes may require a sworn statement and a police report. The FTC also offers a form affidavit which can be used for the sworn statement at

www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf

Other Useful Sources of Information regarding Identity Theft

Top Frauds, scams & mishaps
1). Internet Auctions (16%)
2). Shop-at-home/Catalog Sales (8%)
3). Internet Services & Computer Complaints (6%)
4). Foreign Money Offers (6%)
5). Prizes, Sweepstakes & Lotteries (5%)
6). Advance-fee loans & Credit Protection (3%)
7). Business opportunities & Work-at-home plans (2%)
8). Telephone Services (2%)

Monday, July 17, 2006

Planning Assumptions for your Pandemic Implementation Plan

Pandemic are unpredictable. While history offers useful benchmarks, there is no way to know the characteristics of a pandemic virus before it emerges. Use the following assumptions to assist you when developing your pandemic implementation plans.

  • Multiple employees will be out on extended sick leave at the same time
  • Universal susceptibility to the pandemic influenza
  • Clinical disease rate will be 30% in the overall population. Illness rates will be highest amongst school-aged children (about 40 percent) and decline with age. Among working adults, an average of 20% will become ill during a community outbreak.
  • Risk groups for severe and fatal infection are likely to include infants, the elderly, pregnant women, and persons with chronic or immunosuppressive medical conditions.
  • Ensure systems are in place for receiving and disseminating reliable health information
  • Assume that there will be 2-3 waves of the virus over a 12-18 month period of time
  • Each wave will last 8-12 weeks long
  • People will be ill for 2-4 weeks
  • Cumulative absentee rate will be 25-40%
  • Build your plans based on the fact that a virtual workspace is the only real solution that could really be effective during a pandemic outbreak
  • Strategies to Promote Employee Wellness that can begin now that would benefit a company during a pandemic outbreak include encouraging sick employees to stay home, conducting health education campaigns (including Hand washing and Cover your cough) and encouraging routine health maintenance (e.g. Annual flu shots, Employee wellness programs)
  • The typical incubation period (interval between infection and onset of symptoms) for influenza is approximately 2 days
  • On average, infected persons will transmit infection to approximately 2 other people
  • Some common non-medical intervention and prevention procedures include
    · Hand washing and Purell dispensers in every bathroom
    · Frequent risk communications
    · Personal Protective Equipment (e.g. Surgical Masks)
    · Limit spread of infection by decreasing amount of domestic and international travel

How is a pandemic virus spread?

  • Pandemic influenza is spread from person to person primarily through “respiratory secretions”. The virus may also be spread through contact with respiratory secretions on hands or any other object or surface.

  • Influenza viruses are known to survive on non-porous surfaces such as steel and plastic, for up to 24 to 48 hours and on cloth, paper, and tissues for up to 8 to 12 hours.

  • Influenza’s incubation period is 1 to 5 days and it is contagious 1 day before symptoms appear and up to 7 days after.

Why should I be concerned about a Pandemic?

According to the W.H.O. (World Health Organization), the world is “now overdue” for an influenza pandemic, since mass epidemics or pandemics have occurred every 20 to 30 years and it has been nearly 40 years since the last one.

All signs point to the world being on the verge of another influenza pandemic. The World Health Organization has encouraged every country to develop a plan to deal with the up-coming global health crisis.

In 1918, it took 4 days to cross the US and 2 weeks to cross the Atlantic and both trips were

Today, it takes 4 hours to cross the country and 8 hours to get to Europe and both trips are common. Simply put, the virus can spread quickly and an outbreak on the other side of the world can quickly spread to every other region of the world if precautionary measures are not followed.

While vaccine is the primary method of prevention, a vaccine is hard to produce due to the fact that the strains of the virus mutate frequently.

US Emergency resources are limited and a pandemic outbreak could result in:

  • Overwhelmed medical and civil services
  • A partial to complete breakdown in civil services
  • Riots

What is a Pandemic?

What is a Pandemic?

Pandemic Influenza – a large, worldwide epidemic of a new human influenza strain; an outbreak of a new viral strain that spreads rapidly around the world.

An influenza pandemic is a public health emergency that rapidly takes on significant political, social, and economic dimensions.

As with other emerging infectious diseases, the course of its evolution is governed by factors – including the properties of a new causative agent – that cannot be known in advance and require some time to understand.

In the phases moving from the pre-pandemic period to a full-fledged pandemic, health authorities will need to make a series of emergency decisions in an atmosphere of considerable scientific uncertainty and fragile public confidence.

A pandemic is cyclical occurring every 20 to 30 years
A pandemic comes in 2 or 3 waves often months apart
It may take as long as 24 months for a pandemic to run its course

For the most part, the bird pandemic is not currently impacting the average person. On the other hand, if you are a bird or poultry farmer, the current H5N1 strain of avian influenza has already had a significant impact on your profession. If the virus mutates to humans, there will be an impact to pretty much everyone.

Bird Flu or “avian influenza” is not a concern to humans. The concern is that the virus mutates to humans and becomes a pandemic that then affects humans.

The H5N1 strain of avian influenza first surface in Hong Kong in 1997.

In the 20th Century, Spanish influenza (1918), Asian influenza (1957) and Hong Kong influenza (1968) were all Avian influenzas.

It is worth noting that the Swine Flu in 1976 and SARS in 2003 were epidemics and never reached pandemic proportions.

As of 3/20, there were 177 human cases that resulted in 98 deaths

As of 7/4, there were 229 human cases that have resulted in 131 deaths in 10 countries but there has not been sustained human to human transmission

Wednesday, April 19, 2006

IT Execs Take Different Routes on Bird Flu Threat

Fears of an outbreak prompt continuity planning by some; others see no need

APRIL 17, 2006 (COMPUTERWORLD) - The answer to the question of whether corporate IT departments would be ready to respond if an avian flu pandemic hit the U.S. is: Maybe.

Based on interviews last week with 13 CIOs, business continuity directors and IT management consultants, U.S. companies continue to hold widely divergent views on the risk that a flu outbreak could force school closings or broad quarantines in hard-hit areas.

Some IT leaders, mainly at large companies, said they are preparing for the worst in an effort to avoid being left short-staffed or unable to support vastly increased numbers of telecommuters on their networks if a pandemic strikes.

For example, Beneficial Financial Group in Salt Lake City "is seriously looking into the pandemic issue," said CIO Steve Terry. "Since we are a life insurance company, [being prepared] makes sense for us. We have to have the capability to continue doing business if there is a pandemic."

In contrast, several other CIOs said the possibility of a major flu outbreak isn't that big of concern for them, despite warnings dating back to early last year from the federal government, international groups and consulting firms such as Gartner Inc.

"I don't view [pandemic preparations] as that important," said Amy Fowler, president of the Colorado chapter of the Society for Information Management and an IT management consultant to large companies. "What are the odds of [a long quarantine] happening? We have bigger issues in IT than that one."

Dave Berg, CIO at O.C. Tanner Co., a provider of employee-recognition products and services in Salt Lake City, also hasn't made planning for a possible flu outbreak an action item. Berg noted that most of his employees have secure, high-speed computer access at home and that most operations can be done remotely. "I do not think we would have a serious problem here with keeping our computers and applications services available," he said.

Gartner has issued several advisories about a possible pandemic, urging IT shops to prepare for the need to upgrade broadband and virtual private network connections to the homes of key workers and beef up their online ordering capabilities for customers.

In a 31-page report issued March 7, the consulting firm listed in stark detail three scenarios for a global spread of the avian flu or another virus, from mild to severe. In the most severe scenario, several million people would die and the pandemic could last for a year or longer, despite strict quarantines. Many businesses would cease to operate, travel would be restricted, and workplace communications would often be done via phone, videoconferencing and e-mail.

But Gartner analyst Ken McGee last week rated overall corporate preparation levels at only a 2 or 3 on a scale from 1 to 10. "Maybe pandemic planning isn't the most important thing facing a company, but it should be in the top two," McGee said, suggesting that tight IT budgets might be keeping some companies from moving more quickly to prepare.

The biggest mistake companies are making is assuming that their existing continuity plans will work in the event of a pandemic, McGee added. "Unlike earthquakes and hurricanes and bombs, which are geographically confined, a pandemic is not," he said. "At Gartner, we can't comprehend what IT is thinking on this, because a pandemic is the gift that keeps on giving."

Kevin Desouza, an assistant professor at the University of Washington's Information School in Seattle, said he knows of "only a very few companies" that have systematic plans for monitoring whether a crisis is coming and for responding before a pandemic hits. "The chief complaint of CIOs is that they walk a fine line between saying, 'The sky is falling' and educating people [about] the inherent risks associated with a pandemic crisis," he said.

Small and midsize businesses in particular are "way down the list" in terms of preparedness, Desouza added.

Some IT managers said they're working to adapt their companies' business continuity plans to a potentially widespread and long-duration pandemic.

"In a pandemic, people would have to stay at home to prevent the spread of whatever the virus is, so we need to find ways to [support] that," said Ellen Barry, CIO at the Metropolitan Pier and Exposition Authority in Chicago and president of that city's local SIM chapter.

For example, to limit the amount of data traffic that moves across network pipes, Barry is considering putting the bulk of the authority's applications on centralized servers, following the concept behind WAN optimization products from vendors such as Citrix Systems Inc.

Barry said she has been planning for a pandemic for six months and recently attended two conferences where the topic was addressed.

Another potential problem, Barry said, is that even if workers have appropriate broadband connectivity and good PCs to use at home, they probably won't be as productive as usual if they are sick or involved in caring for someone who is ill.

Just in Case

Lawrence Robert, director of business continuity at a large financial services firm based in New England, said his company, which he asked not be named, has begun expanding its planning processes to include a possible pandemic.

The company is brainstorming disaster scenarios internally and sending detailed questionnaires to its telecommunications carriers seeking assurances that they will be able to handle network loads in residential areas efficiently and securely if a pandemic occurs, said Robert, who is a director of the 1,200-member New England Disaster Recovery Information X-change.

Some carriers have said that if broadband customers who need to work from home sign up in advance of a pandemic, there should be enough network capacity in the event of quarantines.

But "that's not necessarily true," Robert said. His company is taking into consideration the distances between the homes of critical workers and the central offices of their broadband providers. One goal of the ongoing research is to help company officials decide how many more laptops and VPNs need to be deployed.

Robert doesn't care whether the odds of a pandemic occurring are low or high. "Business continuity planners don't look at cause so much as effect," he said. "So whether there's a fire or a bomb or a pandemic, [if] the building is out, the workforce has to be disseminated." The biggest difference might be that the period of disruption could last longer during a pandemic than it would during another event, he added.

However, Desouza noted that a pandemic could produce "things that we did not predict, which can combine to cause problems we didn't imagine."

What IT managers should do to prepare for a possible avian flu pandemic:

· Make your workforce aware of the threat and what you’re doing to prepare for it.
· Establish or broaden work-at-home policies that include the use of broadband services,
appropriate security and network access to applications.
· Expand online transaction-processing and self-service options for customers and business
partners.
· Invest in videoconferencing technology to use if travel restrictions are imposed.Work with
customers and partners to minimize disruptions by coordinating crisis-response
capabilities.

Friday, March 31, 2006

Pandemics - A Brief History

A Recent History of Pandemics

  • The Spanish Flu of 1918-19
    A pandemic of influenza A (H1N1) in 1918-19 that caused the highest number of known flu deaths. More than 500,000 people died in the US, and 20 to 50 million people may have died worldwide. Many people died within the first few days after infection and others died of complications soon after. Nearly half of those who died were young, healthy adults.
    The Spanish flu pandemic is the catastrophe against which all modern pandemics are measured. Many people died from this very quickly. Some people who felt well in the morning became sick by noon, and were dead by nightfall. Those who did not succumb to the disease within the first few days often died of complications from the flu (e.g. pneumonia) caused by bacteria. One of the most unusual aspects of the Spanish flu was its ability to kill young adults. The reasons for this remain uncertain. With the Spanish flu, mortality rates were high among healthy adults as well as the usual high-risk groups. The attack rate and mortality was highest among adults 20 to 50 years old. The severity of that virus has fortunately not been seen again.
  • Asian Influenza of 1957-58
    A pandemic of influenza A (H2N2) in 1957-58. First identified in China in late February 1957, the Asian flu spread to the US by June 1957 where it caused about 70,000 deaths.
    Immunity to this strain of influenza A (H2N2) was rare in people less than 65 years of age, and a pandemic was predicted. In preparation, vaccine production began in late May 1957, and health officials increased surveillance for flu outbreaks. Unlike the virus that caused the 1918 pandemic, the 1957 pandemic virus was quickly identified, due to advances in scientific technology. Vaccine was available in limited supply by August 1957.
    The virus came to the US quietly, with a series of small outbreaks over the summer of 1957. When children went back to school in the fall, they spread the disease in classrooms and brought it home to their families. Infection rates were highest among school children, young adults, and pregnant women in October 1957. Most influenza-and pneumonia-related deaths occurred between September 1957 and March 1958. The elderly had the highest rates of death. By December 1957, the worst seemed to be over. However, during January and February 1958, there was another wave of illness among the elderly. This is an example of the potential "second wave" of infections that can develop during a pandemic. The disease infects one group of people first, infections appear to decrease and then infections increase in a different part of the population.
  • Hong Kong Influenza of 1968-69
    A pandemic of influenza A (H3N2) in 1968-69. This virus was first detected in Hong Kong in early 1968 and spread to the US later that year where it caused about 34,000 deaths, making it the mildest pandemic in the 20th century.
    There could be several reasons why fewer people in the US died due to this virus. First, the Hong Kong flu virus was similar in some ways to the Asian flu virus that circulated between 1957 and 1968. Earlier infections by the Asian flu virus might have provided some immunity against the Hong Kong flu virus that may have helped to reduce the severity of illness during the Hong Kong pandemic.
    Second, instead of peaking in September or October, like pandemic influenza had in the previous two pandemics, this pandemic did not gain momentum until near the school holidays in December. Since children were at home and did not infect one another at school, the rate of influenza illness among schoolchildren and their families declined.
    Third, improved medical care and antibiotics that are more effective for secondary bacterial infections were available for those who became ill.

In terms of natural disasters, there is some good news and bad news.
The number of people dying from these types of catastrophes has decreased over the years. However, the locations affected and the costs associated with planning and recovery are increasing.

For more information on pandemic terminology and history, access the following web site. http://www.pandemicflu.gov/