Crooks are stealing bank credit card information at gas pumps

Brien Krebs, in KrebsonSecurity reports on July 20, 2010, credit thieves are now attaching bank card skimmers inside gas pumps. The small circuit boards, apparently include both memory that stores the bank card data and a Bluetooth wireless transmitter that later passes customer's bank card data to an accomplice. The thief can just innocently park within Bluetooth range of the infected pump and use a laptop or smartphone to download the stolen card info. For more details see: "Skimmers Siphoning Card Data at the Pump"

For the past several months, using a credit card or debit card to pump gas in the Southeastern U.S., especially along I-75 or I-95 in Florida and Georgia proved even more expensive for a number of travelers and local residents. Similar credit card skimmers have been found in gas pumps along I-25 near Denver, Colorado. Police have also reported skimmed credit card numbers in Arizona, California, Nevada and Washington, and pay-at-the pump gas can cost you a lot more than you expect.

So far, there's not much you can do until you "Discover" (pun intended) that your card has been used for unauthorized purchases. One Florida gang was using the stolen card numbers to buy expensive gift cards in several Miami Walmarts. If skimmers get your pin number and your debit card number, they can empty your account while you're still on vacation. Alachua County Deputy Sheriff, Lt. Stephen Maynard, suggested to The Gainesville Sun that consumers take their credit cards or debit cards inside to the cashier or consider paying with cash.

Debit cards are the greater risk. Herb Weisbaum writes in an MSNBC "ConsumerMan" report that police in Las Vegas and Washington state, "advise residents not to use their debit card at a gas pump because there’s no way to be sure it hasn’t been tampered with." Weisbaum's article continues:

• Debit cards do not offer the same fraud protection as credit cards. If a crook armed with a skimmer snags your credit card number and uses it to buy things, you can dispute the charges with the credit card company. You won’t owe a thing while they investigate.
• If the crook grabs your debit card number, he can go to a cash machine and pull money out of your checking account. It could take days for the bank to investigate and put that money back into your account. During that time checks could bounce or you might not be able to pay your bills. That’s why the only way I pay at the pump is with a credit card.
• Another safe way to pay is with a gas station charge card. If you must use a debit card, choose the "credit" option. Your debit card doesn't become a credit card; it just means you don't have to punch in a PIN code. That's why it's actually safer. If the thieves get your card number, they won't have your PIN so they can't use it at a cash machine. 

So travelers may not know that gas pump skimmers are in the area and debit card users are particularly at risk. OK, then what can average consumers do to protect themselves? Common sense safeguards include:

1. Go in the store to process transactions and sign all credit card receipts, slower but effective, and you get to stretch your legs a little on a trip.
2. Check all credit card and debit card statements as soon as they arrive for any unauthorized purchases.
3. Put a security code in place on all credit cards so only the owner can use them.
4. Notify your local law enforcement officials AND your bank as soon as suspect you may have been victimized by this type of scam.
5. Immediately cancel any compromised accounts. There are differing protections and time limits depending on the type of cards you use.  Bank debit cards normally carry fewer protections than credit cards, so don't delay!
6. Check credit reports for any negative information that might have occurred from the incident.

Deputy Maynard also told The Gainesville Sun that he plans to stop using his debit card for purchases and said, "Cash is king."

Comparing iPad and Kindle reading speeds

Jakob Nielsen, who normally writes and teaches about web page design, did a small group study of iPad and Kindle reading speeds. It might be an important indicator for anyone interested in the purchase of an e-reader or educators working in classrooms or libraries who have a professional interest in the reading performance. The article can be found online at:
http://www.useit.com/alertbox/ipad-kindle-reading.html

While reading text on iPad and Kindle tablets is faster than in the past, they're still slower than reading printed text. PC screens were much slower for reading long-form text. Like a good friend and former director of media services for a Florida school district usually says, I suspect we'd both like to see a larger, more comprehensive study, but at least it may have be a hint that we should be careful when we use desktop computers or laptops to measure reading speed during computerized instruction and testing.

As one who used to read Washington Post articles and other news on my old Palm Pilot, I still think I'll wait for a tablet-sized device with a useable plug-in keyboard (like my old Palm) and the Android operating system. The next two or three years may really be interesting as computer form factors continue to evolve.

In the meantime, Nielsen's article on iPad and Kindle useability may help if you're thinking about moving to an e-book reader.


UPDATE 1: Our own local feedback on tablet computing has been all over the map for the past several days. One of our friends who works with technology and computer networking received an iPad for her birthday last week and thinks it's a wonderful tool. Another friend who deals with research, is very analytical and like my own look at e-readers, is still evaluating their potential use. A third friend and former reporter/editor is seriously looking at the lower priced Kindle ($189) with the software upgrades and improved type, but not with the improved screen of the more expensive DX model (yet). Her goal for a Kindle is mostly for convenience and saving trips to the library or used book store. All are what I'd call "serious readers."

Whatever the future holds for tablets, I don't want to be limited by Amazon's e-book inventory, Apple's online store or any set of vendors. I want to replenish the contents of a tablet from an infinite variety of sources, any video, audio and text in any format that will download and play on a conventional computer. I do most of my current daily reading online and more listening to books on tape and podcasts when Katy and I are on trips, unless she has one of the several books from her "book bag" already in her lap while I'm driving and I'm listening to NPR via Sirius Radio or an MP3 podcast through a single ear-bud.

Maybe I just forgot if I ever heard it before, but I do not remember seeing earlier attempts to quantify the difference in reading speed between printed pages, e-readers/tablets and at the slow end, desktop computers. It's more likely academic research was being done but without any notice by the popular media. The reading speed issue caught my attention because I've always believed that someday, it would be more economical for schools to move beyond textbooks and laptops by purchasing e-readers or enhanced tablets.

The enhanced tablets that students could carry between home and school would contain individualized student lessons as well as expanded resources including text, audio and video materials. These tablets would allow student progress to be monitored, software and student work backed up - even new lessons automatically reloaded by school wireless networks drawing from additional online servers (easily and inexpensively updated from regional or state-level networks). Think of a Florida Online School expanded statewide or even regionally or nationally with broad university participation and public funding for course development. Students could advance at their own pace and on their own vocational path as they grew older. Teachers could actually serve as mentors and advisers more than lecturers.

I may never live to see universal access to educational technology for every student, IF that's what it would eventually be, but I can also safely predict that the future of education will probably NOT take the actual form that technologists or anyone else predicted even 15 years ago. Never the less, age has not dimmed the goal that one day educators can have the tools at their fingertips to evaluate a child's education by what he or she has actually learned - their "entire body of work" - and not by the length of time they remain in school or their performance on a few superficial tests.

Thanks to all who commented via email or in conversations for stimulating a few more ideas into the discussion topic this week. I really appreciate the exchange.

UPDATE 2: PCWorld.com has picked up the story and added some of the questions that might be answered by a more extensive comparison of e-readers, tablets, laptops and desktop PCs. The story has also been picked up by Lifehacker.com and the British e-zine, The Register.

UPDATE 3  The ars technica website reports as of July 19, 2010, "Kindle books are now outselling Amazon's hardcover books in the US." Lowering the price of the smaller Kindle to only $189 has tripled the Kindle's sales in the past month. 

Keyboard stickers can make an old keyboard easier to use

For the last decade or so, a typical computer keyboard will usually last me only about two years before I've worn the letters completely off of six or eight keys. That's not a big problem for a touch typist, but when you've worn away the letters, punctuation marks and symbols off three or four keys on the same row, it starts to get a little more serious. Or it could be that the eyes behind my trifocals aren't as sharp as they used to be. You may notice your own eyes bouncing up and down from the keyboard to the screen and back looking for specific keys. Maybe it's a little of both.

Standard replacement keyboards are not that expensive and almost always included when a new computer is purchased. On the other hand, what do you do if your expensive wireless or ergonomic keyboard is missing a few critical letters or the characters and punctuation symbols on your standard keyboard are getting harder to read? Remembering that a couple of companies make sets of sticky key labels for foreign languages and a number of office or graphics software packages, I looked for "keyboard stickers" on Google. Once I got past the designer keyboard stickers with flowers or flames and the glow-in-the-dark keyboard stickers for those red-eye flights across the continent, I settled on what looked to be a no-nonsense website and checked out www.4keyboard.com.

You can pick from a wide variety of languages, colors, and special applications. They even have stickers for the smaller keys found on netbooks. Compared to the cost of a new keyboard - particularly the $50 or $60 for a new ergonomic keyboard, less than $6 plus shipping for a set of keyboard stickers didn't sound like too much to spend if it would help.

I actually ordered a set of "English US LARGE LETTERING Keyboard Stickers (Upper case)" on sale at $2.66 plus shipping. These particular stickers are available in black, grey and white to match your keyboard. The stick-on key labels arrived in about a week. The "F" and "J" key stickers were even notched to clear the small bumps that help a touch typist find the home row on the set I ordered. I read the online directions and gave myself a couple of hours to work on applying the stickers to the keyboard. You can check out the vendor's online instructions at http://www.4keyboard.com/page_2.html.

After disconnecting the keyboard, I used a little alcohol on a soft paper towel to clean the top of each key. The stickers are fairly stiff but do use tweezers to hold the sticker so that you can more easily rotate and align each sticker individually. Take your time and plan ahead. Sometimes it is easier to rotate the keyboard to help find a steady spot to hold the tweezers and sticker while your other hand aligns the sticker and presses it down when properly aligned. My Microsoft ergonomic keyboard also has several keys that are slightly different sizes than the standard keyboard. In a couple of cases, I used a small razor knife to trim any surplus sticker after the sticker was applied to the key.

NOTE: If you click on the picture, check out the original size of the characters on the Backspace and function keys. You can also see the right-hand shift key sticker was trimmed to fit the slightly smaller key on the ergonomic keyboard.  The very dark black areas seen on the space bar, "N" key and several other keys now covered were worn perfectly smooth by heavy use.

I now have a keyboard that I can read out of the corner of my glasses, and the much larger, high-contrast letters are certainly easy to see. In the unlikely event that the keyboard lasts longer than the current sticker set, I can easily afford to replace any stickers again. In any event, I'll consider the keyboard and stickers a "long-term test."

Beware of Facebook's privacy policy

Just got an email from the Electronic Frontier Foundation (EFF) expressing concerns about Facebook's decision to make all online activity on Facebook "social by default." What that means is, "All of your personal information, and all of your online activity, automatically shared by Facebook with anyone, anytime it wants to, without your permission."

EFF has published analyses of how the various Facebook changes affected your private information, including a video teaching you how to make your data private again, a translation of Facebook's jargon, and a guide to Facebook "Connections." The following four articles are recommended if you have any concerns or questions about Facebook's most recent changes: 

Facebook's Eroding Privacy Policy: A Timeline: How Facebook's privacy polices have changed from 2005 to April 2010.  

How to Opt Out of Facebook’s Instant Personalization: Step-by-step directions (and new video) on how to navigate Facebook's more complicated privacy settings to protect yourself from all the various "Instant Personalizations."

A Handy Facebook-to-English Translator: In a world where "the default is social," plain English terms like "public information," "visibility," or "connections" do not always mean the same thing this week that they meant two weeks ago. Do you really want your "Likes" and so much of your other personal information on Facebook to be public?

Six Things You Need to Know About Facebook Connections: "Connections" is such an innocent-sounding word. The blog post explains how connections allows your personal information to be shared with far more people than ever before, including people you don't know, regardless of whether you want them to.

Leave it to free enterprise. I'm not sure the FBI, CIA or NSA could have build a better system for sharing your newly "public information." I dropped out of Facebook months ago and while I deleted my Facebook account, nothing on Facebook really disappears.  I've had two well-meaning individuals want to share information from a YouTube account that I've never intentionally made public because it has NO video stored there. I haven't used it yet!. How did they find out I had a YouTube account? They're both on Facebook and apparently YouTube and Facebook now are "plugins" exchanging info with all the other corporate and government plugins. How many more reciprocal plugin accounts are being shared without my knowledge? How many of your other accounts are being shared? 

Anyway, that's why I've always paid my dues to EFF every year. To find out more about the Electronic Frontier Foundation and all the things they do, visit: http://www.eff.org/

Update: As I was writing this post, I discovered that Today@PCWorld has added a post, "New Facebook Social Features Secretly Add Apps to Your Profile," which reports that Facebook is now adding Facebook apps to user profiles without the user's knowledge or permission. 

If you visit certain sites while logged in to Facebook, an app for those sites will be quietly added to your Facebook profile. You don't have to  have a Facebook window open, you don't need to signed in to these sites for the apps to appear, and there doesn't appear to be an option to opt-out anywhere in Facebook's byzantine privacy settings.

Software added to our computers without our permission used to be called spyware or malware. Facebook now says that secretly adding the stealth apps is a bug, and apps are no longer being added, "however any unwanted applications that were previously added will still need to be removed manually."

Apparently EFF and 14 other consumer protection groups have launched a formal complaint against Facebook with the Federal Trade Commission. If Facebook's management cannot grow up and clean up their act, it may be time for the FTC or other adults to intervene. There's a reason that more corporate and government networks are already blocking Facebook and as a result of Facebook's lack of discipline, poor record on user privacy and now lack of rigorous software testing. It's about time!