Information Security Tips from Westfield Insurance

Secure shopping (encore tip)

This Tip was first run in Dec 2006 when forecasters were predicting the biggest online holiday shopping season ever. Amazingly, that forecast is still true - the volume of online shopping continues to rise (though perhaps not quite as dramatically as in previous years). This "encore tip" is a reminder to shop safely during the holiday season.

Last year was the busiest online shopping year in history – and this year looks like it will be even busier. Shopping online is a convenience that we are quickly learning to take for granted. At the same time, identity theft is a steadily more serious threat. There are some risks you should consider, especially when making purchases over the Internet.

• When shopping online, type the merchant's URL in by hand instead of following any "convenient" link in an email or instant message. Those links can be spoofed in a phishing attack which looks like legitimate advertising.
• Look for the prefix https in the address line. This indicates that you are on an encrypted connection to the merchant's website. You can also look for the little yellow padlock icon in the bottom right of the browser. Be careful, however. Sophisticated hackers can spoof these signs.
• Read the site's privacy policy carefully and use common sense about the offer. If it sounds too good to be true, it probably is. If you don't trust the company to protect your personal information, shop somewhere else.
• Make sure your own protections (anti-virus, firewall, patches) are up-to-date and running.
• Use a credit card, not a debit card. If your credit card is stolen or the number misused, federal law limits your liability to $50 (as long as you comply with the notification requirements). If a debit card number is compromised, you could lose the entire amount in the account to which the debit card is linked.
• Check your statement carefully for charges you don't recognize. Report any anomalies to your bank and report a lost or stolen card immediately.
• Consider keeping a separate credit card with a low credit limit just for internet purchases.

Remember that these rules apply when you are paying by telephone, too. You should always call the merchant (or utility, charity, etc). Never give someone your financial information if they called you. No matter who they say they are, you don't really know who's on the other end of that line.

Shopping online can be as safe as shopping in a physical store or through a catalog as long as you shop responsibly.

OnGuard Online

As the holidays get closer, many of us will turn to online shopping. Done right, online shopping is about as safe as catalog shopping - and much more convenient. If you don't take basic precautions, though, you could lose your shirt. Take the time to learn about the kinds of scams and cons that are used online.

The Federal Trade Commission hosts a terrific site with lots of content on identifying and deflecting these kinds of scams. If you haven't already been out to visit www.onguardonline.gov, I strongly recommend the site. It has some excellent overview material on security at the personal and small business level. The site also has a set of games covering a variety of topics like spyware, online auctioneering, peer-to-peer, phishing and spam. Test your knowledge of internet security and safe shopping. It's well worth the time to visit the site.

The site's material comes from a number of public and private sources but is all released for public use. If you run your own personal website, you can post their games, videos and handouts to your own site and help spread the word. (Instructions are here.)

Addendum:
This tip has inspired me to create a more permanent set of links to some of the better games and awareness quizzes that I've run across. I'll try to get them posted in a permanent sidebar on the blog but in the meantime, here are a few good links.

• CMU Anti-Phishing Game - Learn to identify fraudulent URLs
• Mission:Laptop Security - Protect your laptop while traveling
• Anti-phishing Father's Day card - Flash video on phishing
• Auction Action - Test your knowledge of online auctioning
• P2P Threeplay! - a quick quiz on file-sharing
• Invest Quest|http://www.onguardonline.gov/games/invest-quest.aspx - a simple quiz but the 'disclaimers' are pretty funny

Just when you thought it was safe to let your kids back online

As if regular ID theft weren't enough, now there is an organized crime ring of password stealers who are targeting your online gaming accounts.

For those of you who aren't familiar with these online games, you create a character or 'avatar' who adventures through a fantasy world, interacting with other players to overcome various hazards and quests. Many people invest huge amounts of time and energy developing the character's skills and building up possessions in these online worlds. The Wall Street Journal has run several stories about the 'virtual economies' that sprang up around these games. Some players build up strong characters or search for rare possessions for the sole purpose of selling them to new players who don't want to go to the effort of building up an inexperienced character themselves. It may sound a little weird but it's all legal – the free market in action.

The hack in this case is an infection on your machine just so the hacker can steal the password to your online game account. They log on as you and sell all your carefully hoarded possessions for virtual gold coins which are then handed over to some other online confederate who sells the virtual gold for real-world cash at an online exchange like IGE. (Yes, you can make real money playing games.)

Unlike a theft of your real-world bank password, the theft is virtual so it's not clear that you can actually report it to the police (or that they could do anything if you did). Furthermore, it's very easy to launder the transaction – there's almost no chance that the hacker will get caught.

On the plus side, some of the recent security updates have closed the worst holes that these password stealers exploited. This example highlights the need to keep your computer fully-patched and your antivirus and anti-spyware up-to-date. And, of course, don't play those online games on your work computer.

Read more at CSOonline or get a copy of Exploiting Online Games by Hoglund & McGraw.

Stolen laptops

Law enforcement agencies are reporting a recent uptick in the number of lost or stolen laptop computers. It's not clear yet whether this is a random fluctuation, a consequence of the troubled economy or something else but it is a disturbing trend.

Laptop computers represent one of most significant information risks for any company because of the sheer volume of confidential information that they can hold. Worse, even if you don't think you've ever saved a confidential document onto your computer, the computer will almost certainly have the access credentials needed to access information that is centrally held. One stolen laptop can put all of your data at risk. In those situations, the state-level breach disclosure laws put the burden on the breached company to show that their information was not compromised. When in doubt, the company must disclose. So unless you know positively what information got stolen, you might have to assume that all of it was and notify everyone in your database. Thousands of notifications, leading to lawsuits, wasted time, panicked customers and, most seriously, a loss of trust with your customers.

For most companies, there are two thin lines that protect your customer information.

One is each individual employee's practice of protecting the computer itself. The vast majority of laptop thefts are crimes of opportunity so don't give the criminal the opportunity. Have a policy that requires your staff to keep their laptops locked up at night. If leaving the computer at the office, put it in a desk drawer or cabinet - out of sight, out of mind. Don't assume that the door lock will be sufficient to keep the thieves out. (See this Times article for an example of how easily a professional thief can impersonate his/her way into a supposedly secured office.) If your staff are taking the computer home, make sure they know to either bring it in with them or lock the computer in the trunk if they have to stop on the way. Never let the computers be left exposed.

The second line of defense is encryption. Scrambling your data can provide protection in case the unthinkable happens. That encryption, however, is no stronger than the key used to unlock it. For many companies, the encryption is based on a password (often the same password used to log onto the computer in the morning). Always pick a strong password. Don't just pick a word, capitalize the first letter and add some numbers at the end. This is a natural tendency for english-speakers and the hackers know it. They optimize their cracking routines to break passwords in this pattern and will crack them in mere minutes. Use whole sentences instead. Whole sentences are easy to remember but far harder to break.

And never, never, never write down your password and leave it with the device you are trying to protect. That would be like buying a $3000 security door for your home, then leaving the key in the lock. You'd never be that careless at home. Don't let people be careless at work, either.

If you have a laptop, protect it. Even one loss is too many.

Credit report reminder

For those of us on the "trimester plan" for reviewing our credit reports, it's time to ask for your free copy of your credit report from the next agency.