Cyber Security  

As identity security changes over time, we all will be learning new things and tactics when it comes to technology. Here are a few ways identity security is evolving.

Online security and privacy have been concerns for as long as the Internet has existed. And as the technology to break into databases and retrieve digital information has advanced, so have the technologies to prevent that. What was once the stuff of science fiction is now in many ways a reality, and identity security continues to evolve. Consider these four ways identity security is evolving with technology.

1. Retinal and Thumbprint Scanners

New smartphones have the ability to scan and recognize your face in order to grant you access. Once a thing of science fiction, thumbprint scanning is now pretty standard on most devices. Iris scanners are newer, but there are several devices that now come equipped with it. This makes it much more difficult for anyone other than you to access your devices and data.

2. Better Password Requirements

To make it more difficult for computer programs to be able to run through combinations until they find the right one or other users from guessing them, many sites are requiring users to have more variables in their passwords. Namely, the most common addition nowadays to old password requirements is that new ones must utilize a special character in addition to letters and numbers.

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3. CAPTCHA

While annoying to many users, CAPTCHA does play an important role in preventing spam. The purpose of CAPTCHA is to prevent spam messages from being sent or fake spam accounts from being created. It does this by forcing users to enter words off an image or answer questions to ensure they aren't bots. CAPTCHA has evolved significantly in even the last few years in order to fend off programs that can correctly guess and enter the right words, including the addition of visual puzzles.

4. Management Services

New technologies to manage your digital presence, such as Joinesty, now offer users the ability to keep and manage their logins and passwords all in one place. These services are secure, especially compared to your browser. While convenient, the ability of most browsers to store important information, such as shipping addresses, credit card information and even your social security number, should be used with caution, particularly if you share your computer with someone else.

In order to keep your data as secure as possible, it's always in your best interest to know what security features are available and have them turned on. It's also important to recognize potential security problems and turn off those features if you so choose. A matter of final importance to consider is that no matter how good your encryption is, the host's security needs to be up-to-date as well - you should always do what you can to understand privacy policies and ensure the type of encryption websites use will be sufficient. As identity security evolves, we all will be learning new things and tactics when it comes to technology.

By  Emma Sturgis	Embed
Emma is a freelance writer currently living in Boston. When not writing, she enjoys baking and indoor rock climbing. Find her on Google +.

Cyber Security  

Summary There are ways to be safe with your money online, despite much of what we hear in the media about hackers and cyber crime.

Many individuals choose not to conduct their financial business online, largely because of the perils inherent in conducting said business on the World Wide Web. It is commonplace to hear news about hackers compromising different systems or institutions; this makes the average individual wary, even if no identifiable information was stolen.

Fortunately, there are ways to prevent and protect personal finance information on the internet. This article will share some ways in which to do such.

Use Different Passwords and Change Them Frequently

It cannot be emphasized enough how important is for an individual to use different passwords on different financial sites. According to an April 2014 survey from Harris Poll, 25% of American internet users who have password-protected accounts use no more than three passwords in total. This is despite the fact that 56% of Americans have more than ten accounts requiring a password. It is imperative to use complex passwords-- at least eight characters, including uppercase and lowercase letters, numbers, and symbols-- on financial account sites.

But, you may ask: how will I remember a bunch of different passwords? One solution is to use a password manager such as Dashlane. Another strategy is to use the first letters of words in a sentence that holds significance to you-- i.e "Bob went to the market to fetch eggs," would formulate "Bwttmtfe." (From here, you can always substitute certain characters for others.) Experiment with different solutions.

Review Financial Statements

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In 2012, the Department of Justice (DOJ) found that existing account fraud was the most common type of identity theft, with over 15.3 million people affected, half of whom through their bank accounts. Victims of bank account fraud have been shown to be twice as affected as those who have been affected by credit card fraud.

Check your bank account statements on a regularly basis—daily, if possible. You will want to verify that every transaction posted is accurate. It is important to do this regularly because criminals will frequently "test" you by charging small transactions before racking up bigger fraudulent charges. You want to catch the fraud before it escalates.

Don't Do All Transactions Online

Check your bank account statements on a regularly basis—daily, if possible

If you're very concerned about security on the internet, one solution is to do only some transactions online. Physical checks can be used for some transactions; there are many places to order checks online.

Cash is also a solution in the sense that your personal information will never be associated with it. For the very concerned, crypto currencies such as Bitcoin, may be an option.

Subscribe to All Opt-In Notifications

Most credit cards and bank accounts offer alerts for when there is suspicious activity. Sometimes it'll be easy to opt-in, but other times it takes more effort-- you will have to look for said notifications.

Some options allow for one to be emailed when a card is charged without being physically present, while others allow for a notification every time a card is charged. Many individuals look at constant reminders and notifications as being a nuisance, but they are very helpful in preventing fraud.

Shred Physical Statements

Although you can opt to have digital statements, physical statements are still commonplace. When and if you do have a physical statement, shred it before you throw it out. People will find account numbers and confidential information if you make it accessible.

The World Wide Web era has brought many advances to the financial world, but it has also brought many more perils. It is much easier to access identifiable information should you not protect it, but measures can be taken to protect said info. It is all about being informed and smart, with which hopefully this article helped.

By Lizzie Weakley

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