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  • Identity Theft, Nigerian Fraud, and Cyberbulling. What it is, How it works, and how to protect yourself:

    A Presentation by Matt Smith. President of Litchfield County Computer, L.L.C.

  • Presentation OutlineIdentity TheftNigerian FraudCyberbulling

  • Identity Theft

  • What is Identity TheftIdentity theft is 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.27.3 million Americans have been victims of identity theft within the last 5 years.Second most reported crime to the federal government in 2003.

  • How Criminals get your InformationBusiness records get stolenShoulder SurfingDumpster DivingTheft of mailPretending to be someone of authorityInternet based attacks (known as online identity theft)Social Security NumberSkimmingPhishingDiversion of bills/records to another locationPhotocopiers

  • How Criminals get your Information: Internet based attacks Credit card and other personal information is stored in a database by an online merchant.These databases require Internet access in order to operate.The database is broken into, allowing for large amounts of personal information to be stolen.

  • How Criminals get your Information: Not as secure as you thinkMany people that shop online are familiar with the lock on their browser that indicates a secure connection.This is a security misconception, the data is only encrypted while it is being sent to the merchant. Once it is sent it is stored in plaintext form and can be stolen.It could also be stolen from the shopper via various means (shoulder surfing or a virus)

  • The TJX Security BreachTJX is the parent company of Marshalls, TJMAXX, and several other retail stores.Sometime in the summer of 2005, two attackers broke into the wireless network of the Marshalls in St. Paul, MN and Miami, FL.Once they were inside the stores network, they were able to break into TJX headquarters. A confirmed 45.6 million credit and debit card numbers were stolen. This is the second largest data breach in U.S. history.

  • The TJX Security BreachThe mastermind behind the breach was a man by the name of Albert Gonzales.Mr. Gonzales was also one of the heads of Shadowcrew, an ID theft Internet Mafia that was broken up by the USSS in 2004While he was helping the USSS take down Shadowcrew, he was plotting his next attack TJX

  • TJX/Heartland Security BreachMr. Gonzales also masterminded the Heartland credit card processor security breach in which a confirmed 130 million credit card numbers and the magnetic stripe data off the cards were stolen this is the largest data breach in U.S. HistoryMr. Gonzales has now been indicted for his parts in the TJX/Heartland security breaches.

  • How Criminals get your Information: Social Security NumberYour Social Security Number is a unique identifier.Because of this its often used as the primary key that identifies individual records in a database.The SSN is a powerful tool. If a criminal has your SSN it can be used to get other personal information about you.

  • How Criminals get your Information: SkimmingSkimming is the act of running a credit card though a device that is designed to capture and store the information on many credit cards for easy access later by a computer.You can also skim a card by writing down the card information on a piece of paper when the card is out of sight.

  • How Criminals get your Information: SkimmingSkimming attacks often occur in restaurants and other places where your credit card must be taken out of your sight to be scanned for payment.

  • How Criminals get your Information: PhishingPhishing is when someone tries to get your information by putting a fake banking (or other site) on the Internet. Once the site is online the phisher will send out spam emails looking for victims.These spam emails will look and sound official. However they are merely traps to get you to reveal your personal information.

  • How Criminals get your Information: Phishing

  • How Criminals get your Information: Phishing

  • How Criminals get your Information: Phishing

  • How Criminals get your Information: PhotocopiersID Theft via photocopier is a very new threat (March, 07)Photocopiers made in the last 5 years have the same hard drives that computers do.These hard drives are used to store every document the copier has ever copied. This data has very little chance of being overwritten.

  • How Criminals get your Information: PhotocopiersThese hard drives can be stolen from the copier, revealing personal information.They also become a problem after the copier is disposed of.Sharp and Xerox make security kits. However, the security kit must be applied to the copier.Be very cautious about what you copy on a public copier.

  • How Criminals use your InformationDiversion of your credit card bill.Open new credit and/or bank accounts.Forge checks and/or debit cards.Take out car loans and buy cars (very common).Set up phone or cell service.File bankruptcy in your name.Commit crimes in your name.

  • Signs of Identity TheftYou dont get your normal billsGetting credit cards and account statements that you didnt apply forCreditor tries to repossess a car you dont ownPolice contact you after you commit a crimeBeing denied credit for no reasonSudden unexplained calls from collection agencies

  • If Your Identity is Stolen1. Contact your local Police Department and have them file a police report. Although they will not be able to do much else other than file a report you will NEED a police report for later steps to help prove that there has been a crime. Make sure that you get a copy of the police report.2. Cancel all accounts where the suspicious activity was seen. This includes credit and debit cards.

  • If Your Identity is Stolen3. Contact the 3 credit bureaus. They are,, and They will place a fraud alert on your account(s). If you skip this step, you run the risk of the identity thief being able to reopen the accounts you had closed in step 2.4. Contact the FTC at and file a report.

  • If Your Identity is Stolen:5. Contact your creditors and inform them of the situation. Provide copies of your police report if requested.

  • How to Protect YourselfMake sure no one is looking over your shoulder when entering sensitive information.Shred your sensitive trash.Never allow your credit card out of your sight when a payment is being made.If your mail is stolen, report it immediately to the post office. Get a locking mailbox if possible.

  • How to Protect YourselfIf you are not sure if an official sounding communication is legitimate, check directly with your bank, credit card company, etc.Shop or bank online as little as possible.If you notice that you are not getting your bills contact your creditors immediately.Do not copy sensitive information (tax returns) on a public copier.Be very careful in giving out your SSN. The only people that should need it are State and Federal agencies and your employer.

  • How to Protect YourselfUse good computer security: Keep your antivirus and antispyware software updated and scan your computer regularly.Avoid websites that are likely to infect your computer with malware.Use a pop up blocker.

  • Nigerian Fraud

  • What Is Nigerian FraudNigerian Fraud is a type of scam where you send the scammer a sum of money in order to receive something in return (usually a large sum of money).The initial contact is usually made via email, although other methods (fax, snail mail) can be used.There are many variants of Nigerian Fraud.

  • Variants of Nigerian FraudThe most common form of Nigerian Fraud involves you being asked to help the scammer move a large sum of money of the country in exchange for a portion of the money. The scammer will ask for money to help with fees involved in moving the money.

  • Variants of Nigerian FraudAnother form of Nigerian Fraud is the lottery scam in which the scammer claims that the victim has won a lottery and needs to pay processing fees in order to receive the winnings.The reshipping scam is also common. This is where a scammer will ship stolen goods to a victim so the victim can ship them to another location in return for receiving a sum of money.

  • Variants of Nigerian FraudThe reshipping scam is especially hazardous for the victim because as soon as the victim receives the stolen goods the victim is an accomplice to a crime.

  • An Example of Nigerian Fraud

  • Another Example of Nigerian Fraud

  • How to Protect YourselfIf you get a Nigerian scam email in your inbox, don't respond to it.Be careful of any Work from home type job offers. These are often used to hide reshipping scams.

  • Cyberbullying

  • Cyberbulling Statistics33 percent of youth have been victimized by cyber bullying. Among this percentage, being ignored and disrespected were the most common forms of cyber bullying. The primary cyber bullying location where victimizing occurs is in chat rooms (56 percent). Following chat rooms, 49 percent are victimized via instant message and 28 percent via e-mail. 34 percent of youth who are bullied feel frustrated, 30 percent angry and 22 percent feel sad.

  • Cyberbulling StatisticsOddly, because many studies show that females often deal with harder situations by becoming sad, this particular study suggests that females feel much angrier than males about being cyber-bullied. 41 percent of victims do not