Privacy Identity Theft National ID Card and REAL ID Act


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Privacy Identity Theft National ID Card and REAL ID Act

  1. 1. PRIVACY – IDENTITY THEFT Muhammad Amin Bandeali CPSC- 548 – Dr. Jo
  2. 2. Overview  What is Identity Theft?  How many people become victims of ID Theft?  Why do ID thieves do it?  How does it affect you?  Are you a victim of ID Theft?  What steps can you take to avoid ID Theft? - by Abagnale.  National ID Card.  REAL ID Act.
  3. 3. WHAT IS IDENTITY THEFT?  Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
  4. 4. HOW MANY PEOPLE BECOME VICTIMS OF IDENTITY THEFT?  The FTC estimates that as many as 9 million Americans have their identities stolen each year.  About 37 million Americans were victims of identity theft between 2003 and 2007.  The frequency of identity theft is decreasing; there were 10.1 million identity theft victims in 2003 and 8.4 million victims in 2007.  Average loss was $5,720.  In fact, you or someone you know may have experienced some form of identity theft.  Only 1 in 700 identity thieves get caught.
  5. 5. WHY DO IDENTITY THEIVES DO IT?  Identity thieves may do the following in your name:  rentan apartment  obtain a credit card  establish a telephone account  get medical treatment
  6. 6. HOW DOES IT EFFECT YOU?  Credit card  They may open new credit card accounts in your name. When they use the cards and don't pay the bills, the delinquent accounts appear on your credit report.  They may change the billing address on your credit card so that you no longer receive bills, and then run up charges on your account.
  7. 7. HOW DOES IT EFFECT YOU? (Cont.)  Phone or utilities  They may open a new phone or wireless account in your name, or run up charges on your existing account.  They may use your name to get utility services like electricity, heating, or cable TV.
  8. 8. HOW DOES IT EFFECT YOU? (Cont.)  Bank/Finance  Create counterfeit checks using your name or account number.  Open a bank account in your name and write bad checks.  Clone your ATM or debit card and make electronic withdrawals your name, draining your accounts.  Take out a loan in your name.
  9. 9. HOW DOES IT EFFECT YOU? (Cont.)  Government  Get a driver's license or official ID card issued in your name but with their picture.  Use your name and Social Security number to get government benefits.  File a fraudulent tax return using your information.
  10. 10. HOW DOES IT EFFECT YOU? (Cont.)  Miscellaneous  Get a job using your Social Security number.  Rent a house or get medical services using your name.  Give your personal information to police during an arrest. If they don't show up for their court date, a warrant for arrest is issued in your name.
  11. 11. ARE YOU A VICTIM OF AN ID THEFT?  If you are a victim of the ID theft, you need to take the following steps:  Filea police report  Check your credit reports  Notifying creditors  Disputing any unauthorized transactions  Change all account numbers immediately
  12. 12. ABAGNALE – “STEALING YOUR LIFE”  The author of quot;Stealing Your Life,quot; Abagnale spent his youth stealing people's identities.  After five years in jail, Abagnale reformed, eventually teaching the FBI how to catch white-collar criminals.  His story was the basis for the 2002 movie quot;Catch Me If You Canquot; starring Leonardo DiCaprio.
  13. 13. WHAT STEPS CAN YOU TAKE TO AVOID ID THEFT?  According to Abagnale:  Never Use a Debit Card or Check to make a purchase  Always make sure the online shopping store has it's link starting with HTTPS which stands for secured transport layer  Sign up for a credit alerting system  use a good anti-virus, phishing and firewall software  Always make sure the link that you click on from an email is legit
  15. 15. NATIONAL ID CARD (Cont.)  Events of 9-11 resurrected the debate over the National ID Card for Americans  Pros:  More reliable  Reduce illegal immigration  Reduce crime  Cons:  Does not guarantee that the identity of an individual is that person's actual identity  Impossible to create a biometric based national id card that is 100% secure  No evidence that national id cards reduce crime  Easier for govt. to perform data mining on its citizens  Very hard to erase wrong information from the record
  16. 16. REAL ID ACT
  17. 17. REAL ID ACT (Cont.)  In May 2005, President George W. Bush signed the REAL ID act.  Requires every state to issue new driver licenses.  Licenses must meet the following federal standards:  full legal name  Dob  Gender  license number  digital photograph  legal address  signature
  18. 18. REAL ID ACT (Cont.)  PROS  Law enforcement is easier  Criminals cannot change their identity  CONS  Machine-readable information is easier to steal  Every staff of govt. agencies would have access to every information for every citizen  Some say personal information floating around the cyberspace is insignificant compared to what would be available through real id act
  19. 19. REFERENCES  Michael J. Quinn, “Ethics for the information age”, Addison Wesley, 3rd edition.  Andrea Coombes, “Expert advice – Tech-industry experts tell how they avoid ID theft and other online threats”, Market Watch.  Consumer’s Union, “CONSUMERS UNION URGES CONGRESS & STATE LEGISLATURES TO ADOPT IDENTITY THEFT PROTECTIONS”, t.htm  Federal Trade Commission, “Fighting Back Against Identity Theft”,