If we learned anything this past year, it's that information we store online is exceptionally vulnerable. Our metadata (the data that describes who we are and what we do) is in the hands of people who are about as successful at protecting it as 1850's bankers were at protecting money in the Old West. Sure, the metal safe looked strong and secure, but a motived bank robber with a stick of dynamite had all the tools required. In just the past few weeks hackers have had their way with Target Stores, Snapchat and thousands of other "targets of opportunity" that you will never hear about.
How do they do it? Every way you can imagine (and a bunch of ways you can't).
We can start with the government. It's not strictly hacking, it's more like manhandling, but... by now it should be abundantly clear that theNSA has access to everything that it wants to have access to.Everything on your iPhone,your Wi-Fi signal,laptops you bought online,your private cell phone conversations, your email address books… the list goes on and on and on. At this point, anything the NSA wants to know about you, it will know about you.
I'm not making a political statement, nor am I suggesting that there is anything right or wrong with the government having access to virtually everything it wants to have access to. That said, there are all kinds of additional security issues caused by systems that allow certain information to be tracked by some systems, but not by others. To say nothing of the psychological issues caused by the knowledge that when you are connected, your electronic trail is available. And, for all practical purposes, cannot ever be erased.
Add to this, malicious hackers who are interested in profiting from the sale of your information, interested in making a name for themselves or simply trying to make a point about something . There's nothing anyone can do about this group of hackers or these types of hacks. They are a fact of life in the Information Age. However, there are a few things you can do to protect yourself in 2014.
Target's Black Friday Breach
Over 40 million credit cards were compromised after a massive attack on Target during the weeks leading up to Christmas. There's nothing much Target can do to help you at this point. Sure,its CEO is offering free credit monitoring, the company ison the hook for $3.6 billion in fines and banks arecapping cash withdrawals after it was announced that yes, the breach compromised PIN numbers, too, even though Target initially said they were safe – they're not safe and you're on your own.
If you shopped at Target between the middle of November and the middle of December, there's a good chance your card is compromised. If your bank hasn't canceled your card already, strongly consider calling up your credit card company and canceling it yourself. Here's a helpful guide as to what to do if your credit card is stolen. Basically: cancel your card, monitor your statements, create a fraud alert, and move on.
Target's breach was both better and worse than most other hacks we saw in 2013. It was worse because its repercussions could be of a greater impact than having your Yahoo password stolen, for instance. Having someone gain access to your credit card info could max out your credit cards and destroy your credit score. But it's better because every financial institution is aware of the breach, and most credit cards have fraud protection, ensuring you won't be stuck paying for anything you didn't actually buy.
Target's breach was also an example of just how helpless we are. All you did was buy Christmas presents, or maybe just some groceries, and suddenly your life became far more complicated and annoying. And, this is just the beginning – expect this kind of thing to happen on a regular basis – truly, nothing can stop it.
Snapchat's Phone Number Leak
It's already known that even though Snapchat is designed to make it seem like your snaps (the photos you send your friends and family) disappear once you open them, anyone can actually save them without you even knowing. Forget a "Screenshot!" alert; you can sneak in through the back door of Snapchat and save anything and everything you receive. While it's not a hack organized crime would bother with, it's worth repeating that snaps and every other picture you ever take with a digital camera enter the body of knowledge of mankind and will be seen by everyone in the world. So, "Carlos Danger," never take a picture of something you don't want the world to see.
Back to bigger hacks. This past August, Gibson Security published a report that said the coding in Snapchat made it possible for anyone to find out a bunch of information about any account, including your username and phone number. Gibson published a new report about the same thing in December, which Snapchat addressed by saying that it wasn't an issue. Well, it turns out that Snapchat was wrong and that it was, in fact, an issue. A website called snapchatDB posted SQL/CSV files that contain the username and associated phone number for a "vast majority" of the service's users – over 4.6 million users, to be precise.
There's not a lot of text-based private information on Snapchat – you don't need to fill in too many fields to start texting selfies to your friends. But Snapchat's user base is mostly teens and tweens, and Kevin Poulsen of Wired Magazine points out the biggest fallout from this leak: possible stalking. How's that for your first tech life lesson? Don't have fun with your friends or you might be harassed because bad men want to ruin your day!
What Can We Do?
The most important thing we can do is to remain vigilant. Keep track of everything, and if anything seems suspicious, act on it. Start getting a bunch of weird emails? Can't log in to an account you should be able to? See some weird pending charges on your credit card statement? Take action!!! YOU are the best defense against the mean, awful, angry world of hacking.
If you suspect your accounts are compromised, change your passwords. Make them as secure as can be. Spending a few extra seconds typing in a password every once in a while is worth it to make your account more difficult to crack. Use the guidelines I laid out. It might seem like a hassle, but keeping unique passwords for every site you use (I know, you probably have accounts for dozens if not hundreds of sites) will keep all your other accounts secure. But it's (arguably) better than the alternative: having one hacked site force you to change dozens of passwords at once.
If your credit card statement looks funky, call your bank immediately. Dispute any charges, then cancel your card. People can get your credit card information any number of ways; banks (usually) won't hold that against you. Be proactive, rather than reactive, and make sure you're protected.
Lastly, and most importantly, keep all of your credit card numbers and the associated contact information for canceling your cards in a place where you can quickly, securely get to them. Using a password wallet or other specialized software will make it much easier to go through the process. "Best practices" says to keep copies of this data in several different places (including on paper) and stored as safely as you store your household cash or jewelry. The goal is to be able to quickly contact every credit provider. That's all you can do. The hacks we're seeing now are being done by professionals who simply want to sell your information and defraud the financial institutions you patronize -- they don't care about you personally -- it's strictly business.
Shelly Palmer is Fox 5 New York's On-air Tech Expert (WNYW-TV) and the host of Fox Television's monthly show Shelly Palmer Digital Living. He also hosts United Stations Radio Network's, Shelly Palmer Digital Living Daily, a daily syndicated radio report that features insightful commentary and aunique insiders take on the biggest stories in technology, media, and entertainment. He is Managing Director of Advanced Media Ventures Group, LLC an industry-leading advisory and business development firm and a member of the Executive Committee of the National Academy of Television Arts & Sciences (the organization that bestows the coveted Emmy® Awards). Palmer is the author of Television Disrupted: The Transition from Network to Networked TV 2nd Edition (York House Press, 2008) the seminal book about the technological, economic, and sociological forces that are changing everything, Overcoming The Digital Divide: How to use Social Media and Digital Tools to Reinvent Yourself and Your Career; (York House Press, 2011) and Digital Wisdom: Thought Leadership for a Connected World (York House Press, 2013). For more information, visit shellypalmer.com.
Read all Shelly's MediaBizBloggers commentaries at Shelly Palmer Report.
Check us out on Facebook at MediaBizBloggers.com
Follow our Twitter updates @MediaBizBlogger
The opinions and points of view expressed in this commentary are exclusively the views of the author and do not necessarily represent the views of MediaBizBloggers.com management or associated bloggers. MediaBizBloggers is an open thought leadership platform and readers may share their comments and opinions in response to all commentaries.