Mais, qu'est-ce qu'un fraudeur peut faire lorsqu'il réussit à voler l'identité d'une personne?

Vol d’identité sur le Web : ce que les fraudeurs recherchent

Le vol d’identité sur le Web est devenu un des grands dangers qui guettent les internautes et il est important de bien se protéger en ne divulguant pas certaines informations personnelles comme sa date de naissance, son numéro d’assurance sociale, son numéro de carte de crédit, son adresse et le nom de jeune fille de sa mère. Ce sont des informations qui peuvent alimenter très certainement la probabilité d’être victime d’un vol d’identité.

Mais, qu’est-ce qu’un fraudeur peut faire lorsqu’il réussit à voler l’identité d’une personne ? Le site Web www.pensezcybersecurite.gc.ca explique qu’il existe une foule d’usages, allant de la demande d’une carte de crédit à l’abonnement à un jeu en ligne.

Ainsi, un fraudeur peut, à l’aide des informations volées, effectuer des achats en ligne, payer pour accéder à un site Web pour adultes, s’abonner à un service de téléphonie cellulaire, réserver des vacances, louer un véhicule, toucher un prêt et même des prestations gouvernementales.

La personne qui devient victime d’un vol d’identité peut se retrouver avec le solde très important d’une carte de crédit qu’elle n’a jamais demandée et là commenceront les démarches pour signaler le vol, ce qui entraîna des problèmes dont on peut se passer…

Le Centre antifraude du Canada recommande aux consommateurs de vérifier fréquemment les états financiers de leurs cartes de crédit et ceux de leur institution financière, pour déceler toute activité inhabituelle. En cas de doute, il est important de communiquer avec l’institution émettrice de la carte de crédit ou l’institution financière, ainsi qu’avec les services policiers.

Somme toute au final, la prévention est certainement la meilleure façon de se protéger pour assurer la confidentialité de ses données personnelles!

Jet setting Canadians can remain connected at all times now

In this day and age, there shouldn’t be that many complaints coming from people who can’t get access to the Internet. In 2011, the United Nations declared that being denied a connection is akin to a human rights violation. The Internet was recognized as a vital element of life for individuals around the world.

Finding a quality Internet connection isn’t a tough task for the majority of Canadians. There are numerous services across the nation, from large, long-standing corporations to smaller and more flexible independent Internet service providers. This, paired with the fact that there are innumerable popular devices – smartphones, tablets, desktops, you name it – has enabled the Internet to be embraced by the vast majority of consumers here.

Take, for instance, the fact that the Canadian Internet Registration Authority revealed in early 2014 that 87 per cent of Canadian homes have a connection.

However, there are certain places in the nation where individuals can’t go online for one reason or another. For instance, high school students are probably discouraged from whipping out their smartphones and surfing the Web during their classes. Another instance of this is on an airplane. However, that scenario looks to be changing, thanks to the Canadian government.

Using electronics on flights
For many years, individuals have been able to use electronic devices on airplanes, to the thanks of many bored passengers and parents. However, that time was restricted – travellers were told not to turn them on during take off and landing.

According to The Ottawa Citizen, the Canadian government recently lifted this rule. People can power up anything from computers to cameras at all points during flights now. That being said, the news source reported that airlines have to be approved first. These corporations must demonstrate that their planes won’t be affected by electronic transmissions if passengers are using gadgets and that individuals still understand and pay attention to the in-flight instructions.

What about the Internet?
Not all airlines will offer the Internet, at least as of right now, but many think it’s only a matter of time. Currently, the source noted that electronic devices have to be turned to “safe” mode when on most planes, meaning that data cannot be transmitted.

However, according to CBC News, Air Canada and WestJet both announced that they would offer Wi-Fi on flights as soon as possible. These companies will then have to be approved by Transport Canada. Air Canada hopes to have the necessary equipment and permissions on 130 of its North American planes before 2016. The Citizen detailed that 30 of these planes should be prepared for Wi-Fi by the end of 2014.

As Tech Times reported, this has become a reality on some Air Canada flights already, specifically select Airbus 319 planes, which now offer Gogo in-flight service. The installations began in May and should be rolling out to A320 and A321 aircraft relatively soon, the news source explained. This allows tech-savvy Canadians to stay connected no matter where they are, even if it’s miles off the ground.

More and more Canadians stream music

For many people, music is a necessity. Some need it in the background to sleep, while others can’t do work without having a good beat in their ears.

There are plenty of ways to get new music. You can go out and buy a CD, download digital files via a service like iTunes, listen to (and watch the videos for) individual songs on YouTube – the list goes on. Those who don’t want to bog down their devices by saving music on their hard drive might instead choose to stream their favourite tunes.

According to a new study from Media Technology Monitor, streaming the latest and greatest songs has become particularly popular in Canada. The results of a recently released survey, as cited by The Canadian Press, revealed that about two-thirds of Anglophone Canada streamed music online regularly last year.

Canadians rocking out at all times
The news source reported that this latest figure is up significantly from past statistics – 61 per cent of Canadians used the Internet to stream music in 2012 and 57 per cent did so the year before.

The most popular way Canadians are indulging is via YouTube, with 52 per cent of those who streamed in 2013 saying this was their method of choice. That being said, other popular strategies included online feeds of radio stations and particular streaming services like Songza and Rdio.

What do you need to do this?
There are a number of particularities individuals will need to be able to stream music on their own devices. For instance, the machine itself – whether it’s a laptop, tablet, smartphone or other gadget – must actually have the capability to do so. So, an old desktop from the 1990s that’s miraculously still hanging on probably won’t be able to stream tunes.

Other than the device itself, individuals are going to want to have a worthwhile Internet package that includes plenty of data and won’t break the bank if they go over. Consider this – say you’ve got Slacker on in the background when you’re doing work for a few hours. Your computer isn’t going to let you know you’ve gone over your data plan for the month, and a large Internet service provider is going to start charging massive fees immediately. Without doing some digging into your usage, you’ll go on using the Internet as normal for the rest of the month, not knowing that for every click, you’re essentially being fined.

So, it’s often best to pick an indie ISP – not only do their packages tend to be more comprehensive and flexible, but small providers usually work with customers and don’t charge massive fees for overages.

Upload speeds, or lack thereof, have Canadians down in the dumps

Canadians may be dumbfounded when they return from a trip abroad and experience some of the slowest Internet upload times in the free world. This is not just a recent problem, it’s been around since the advent of the Web. With a global average upload time of 7.6 Mbps, Canada lags far behind the rest of the world with an average upload time of 5.67 Mbps, according to the recent Net Index released by Ookla. That places Canada fifty-third among all countries and an abysmal sixth place amongst G8 nations.

What’s being done to alleviate the problem?
Upload speeds vary around the nation with CBC News, citing Ookla information, comparing the upload speeds of Manitoba and British Columbia to those of Honduras and Iraq. Residents of northern and western Canada, as well as most Manitoba consumers, are seeing upload rates of only 5​ Mpbs. This is largely because Internet Service Providers don’t have faster speeds available in these areas of the country. The Maritimes, for example, have ISPs with faster speeds available, but they also cost a lot of money. In those areas, the source found, people aren’t ponying​ up the cash for faster service.

Are conglomerate ISPs the problem?
The country’s largest telecommunications concerns generally service the largest markets. Because smaller ISPs like TekSavvy connect to the bigger operations, said CBC News, they can only get the speeds offered by the bigger business there’s virtually no incentive for those providers to offer faster speeds.

Phone companies starting to enter the fray with fibre networks and wireless operations, according to the source. Those same businesses are also jumping on the speed bandwagon but consumers will still be hit in the pocketbook to upgrade to a faster speed.

Businesses impacted
The lack of upload speed may be hurting businesses large and small across Canada. IT expert Jamie Granek told CBC News some businesses are opting not to use the added speed offered because of the costs associated with it. He had one customer in Vancouver opt against an upgrade that would’ve allowed staff to work from home for cost reasons alone. That, said Granek, is impacting the future of business across the nation.

“Having the ability to access your own information and resources on your own network is a key function of the network today,” said Granek. “You can’t really separate the download from the upload anymore.”

Some of the bigger service providers told the source that they are matching supply with demand and that their Internet usage is forecast to grow by 40 per cent annually. That means upload speeds will also continue to increase, according to one major ISP.

http://gvu.gatech.edu/glass

Is the Whole World Going Ga-Ga over Google Glass?

Whether you are an athlete, a traveler, or a gadget guru that loves having information available at the blink of an eye, Google Glass promises to redefine how you interact with technology.  Dubbed by some as the “wearable smartphone”, this computer with optical head-mounted display allows users to shoot and share videos, access GPS, images, maps, and other information nearly hands-free.  Since the Explorer Edition was made available to select US residents as open beta testers, users have been exchanging ideas with Google about how to improve design and function.  Google is expected to use this feedback to fine tune its performance before the release to the general public, which is anticipated to be in late 2014.

All of this heated debate appears to be dividing potential users into two different camps, those that see Google Glass as a threat to civil liberties and basic safety and those that embrace it as a tool that will revolutionize how we use information.

Where do you weigh in with this wearable technology?  Are you among those that are raising the alarm bells or are you waiting in eager anticipation until its release in Canada?  If you are in line to purchase one, how will you use it?

Teri-Lynn James,
Communications Specialist

The opinions expressed by this blogger are theirs alone, and do not reflect the opinions or views of TekSavvy Solutions Inc.

How can the Internet make fundraising fun?

Even though times have changed as technology advances, there are some things that just don’t fade away. Fundraising  is one of those areas that is critical to the success and survival of many community-driven projects. Now there’s a way to use the Internet to help.

Time-honored traditions 
Many Canadians are experienced with fundraising, having done it for their children’s sports teams or school events, and they realize the difficulties it can present. Most government organizations and politicians have also done this to benefit their communities or to mount political campaigns.

The Alberta government recently showed how crowdsourcing on the Internet can be used by those trying to amass funds. The province is looking for a new license plate and has put a number of templates on its official website to garner people’s opinions as to which design should be chosen. More than 100,000 have voted on one of three templates.

The Internet acts as a new way to raise funds
While the Alberta license plate campaign is geared toward a fun way of making a change, the Internet is also being used to raise funds for various other ventures. A Canada.com article showed that Kickstarter is being used all over the world by groups, sports organizations and even individuals who believe they have something new and unique to offer the international community. While many presentations are legitimate and well-meaning, the article said there are others that defy the imagination as to why they are getting so much money. One particular campaign has raised more than $62,000 – when there were still 24 days to go - to make potato salad.

While many Internet users take this kind of thing in stride, the source added that there are those who are less than amused at these type of stunts. Salon wasn’t thrilled with the potato salad campaign netting big cash pledges when there are so many people living below the poverty line.

However, for youth hockey or lacrosse teams, crowdfunding online can be a huge asset. Along with the usual method of hitting the neighborhoods to raise funds for uniforms and equipment, teams may now create a visual marketing campaign online that can go far beyond the community in which they live. This presents all kinds of opportunities to increase donations while getting program information out to a wider and more discerning audience.

Alberta’s quest for a new license plate, along with a good potato salad recipe, are leading the way for those in need of community funding to find their own niche among the many crowdfunding opportunities appearing each day across the Internet.

Canada and the United States differ on net neutrality

As Canada protects its citizens anonymity online, all eyes are turning to the United States, where net neutrality guidelines could be facing a revamping in the next few months, according to Michael Geist at The Tyree.

Rich customers get fast-lane surfing?
The plan floated in the U.S. would allow ISP customers to pay for faster access to the Internet while the poorer, rank-and-file consumer would have to surf at a slower pace, said a U.S. Federal Communications Commission plan quoted by Geist. The FCC has come under fire from cable, Internet and broadband providers and consumers across the country have been very vocal about the plan. Canada’s net neutrality laws wider in scope than the US bill, but observers warn the same measures could be coming here.

Definitions make a difference
The U.S. plan would not really be implemented, as is, in Canada because of two major differences in the respective legislation. State-side, the FCC has categorized the Internet as an information service on its own while in Canada the `Net is part of the Telecom Regulations Act , said Geist’s article. Because of the wording of the proposed American legislation, legal constraints exist there that are not applicable in Canada. Also in Canada the choice of fast or slow Internet is not currently allowed under the existing legislation.

A recent Motherboard report said that the U.S. measure will have an impact in Canada and may, in fact, lead to Canadian legislation along similar lines. The Canadian government recently talked of its future digital strategy and any mention of net neutrality was suspiciously missing, leading the source to suggest the government has few, if any, intentions of keeping the net neutrality language in any future bills.

Motherboard quotes Net Tech Journalist Peter Nowark’s concern about the precedent the US measure could set across Canada.

“Sure, we have net neutrality rules here in Canada but if you don’t think our big ISPs are going to be emboldened now to circumvent them or try to re-open the conversation, well then you don’t know them very well,” Nowark asserted.

Big ISPs across the country have little or no incentive, said Motherboard to be competitive and smaller providers, like TekSavvy, are unable to challenge that because they purchase their access from the nation’s top providers.

So, while Canadians watch to see if the US legislation passes, concern continues to grow that the Canadian Parliament will echo its legislative counterparts and bring two speeds of Internet access to Canada, further polarizing consumers already upset with slow and expensive Internet access and service.

http://online4edating.wordpress.com/2012/10/17/from-online-dating-emails-to-first-date/

What Big Data Reveals About Online Dating

Current research reveals that online daters spend an average of 22 minutes each time they visit an online dating site and often log in more than 12 hours a week of computer based dating activity.  Despite all of this time spent in the pursuit of love, a common complaint shared by online daters is the low response rate by potential love interests.  A recent study by Berkeley, adds merit to this commonly held belief finding that for every 10 posts on a personal ad or dating site, men receive on average 3 responses while women received slightly higher results.  Given the ever increasing popularity of Match.com, Plenty of fish and other virtual dating sites, there is a new focus on understanding this new societal trend through the lens of big data.  In particular, there is a vested interest by the more than 1,500 online dating sites in North America that generate over 1.5 billion dollars every year to use big data to increase the success rates of its users.  So what exactly does big data reveal about online dating and response rates?

A close examination of the social and psychological aspects of online dating by researchers at academic institutions across North America reveal that the following practices may actually increase the odds of finding love online:

  1.  Avoid including controversial information in your profile.  People who were overly critical or negative when responding to possible suitors received very low response rates.
  2.  Use current and professional photos.  Those that were alone in their photos or posted multiple photos experienced the highest response rates.
  3. To increase response rates, it is in the best interest of women to make eye contact and strike an inviting pose.  Men conversely, have better luck looking away from the camera and not smiling.
  4. Post engaging photos such as those that taken in an interesting location or with an animal.  Daters who engaged in the longest online conversations also posted photos that showed them doing something interesting.  Avoid lengthy descriptions about the actual details of the photos however.  Too much information sounds the death toll for potential suitors.
  5. Act quickly when a connection is created.  A survey of 759 dates by Rosen et al. (2008) revealed that over half (55%) of online dates use the sites with the intention of meeting face to face within one week.

Now that big data has weighed in, tell us what your thoughts are.  Do you have any tried and true strategies or practices that are guaranteed to get responses online?  We want to hear from you!

Teri-Lynn James,
Communications Specialist

The opinions expressed by this blogger are theirs alone, and do not reflect the opinions or views of TekSavvy Solutions Inc.

http://datascience.berkeley.edu/online-dating-data/

Back to school shopping done online

These days, there isn’t much Canadian consumers can search for that they wouldn’t be able to buy on the Internet. Everything from clothing to appliances, even food, can be bought through an online payment gateway.

This is making it all the more important for Canadian businesses to embrace the Internet as a lucrative platform for running a business. Using the Internet as a sales medium ensures that consumers who want the convenience of shopping from the comfort of their own homes find the outlet they’re looking for – after all, 8 in 10 Canadians go online regularly, the Canadian Internet Registration Authority found in early 2013. Plus, sites can keep companies well ahead of their competitors.

Having a business website on which people can buy merchandise will be very important in the fall months, as children go back to school and require supplies to make learning easier. A recent report published by Ebates.com revealed that many Canadian parents plan to take to the Internet to buy many of their kids’ necessary items before the first day of school arrives again.

Searching for supplies
It’s no surprise that parents tend to spend a lot of money on their children right before they go back to school. In fact, Ebates.com found that 65 per cent of parents plan to dedicate at least $100 per child to these efforts this year, most of which will be spent on clothing, shoes and supplies.

This year, they might be purchasing these items a little differently. The report noted that 50 per cent of moms and dads will be taking to the Internet to buy the merchandise their little ones need for school. Many respondents explained that online shopping for the season can save time and money and allow families to avoid the crowds.

Plus, Ebates.com explained that not only does this make comparison shopping easier, but many sites offer special coupons just for those consumers who shop online.

Your business needs a website
To keep up with the competition and make sure customers are happy at all points of the sales process, Canadian companies should consider designing a website. This can be easily done in-house or via a third-party provider. No matter who handles this responsibility, they should ensure that the pages are easily navigable, secure and contain both unique content and a payments gateway.

First things first, businesses should make certain they have a quality, reliable connection to the Internet. This way, not only will it be easier to make the website in the first place, but company administrators can ensure that employees will always have access to the platform, which enables updates to be made and orders to be viewed.

Company leaders have a lot of choices when it comes to which Internet service provider (ISP) they want to use for their connection. Major providers have a large presence across the nation, but indie businesses might also be a worthwhile option. These ISPs can offer competitive prices, excellent customer service and quality connections on par with the larger corporations.

Image Source: http://www.theguardian.com/

Online Dating, Human Behavior, and the Psychology of it All

According to Maclean’s Magazine (2013) an estimated 30 to 40 million North Americans now use online dating sites to look for love.  Contributing over $1.5 billion to the industry, a quarter of all Canadians have tried Internet dating and 16 percent have had cybersex.

This fast growing social phenomenon has caught the attention of many cognitive psychologists and sociologists across the country who have begun to study the online dating experience in an attempt to understand how it impacts human behavior and affects social norms.  More specifically, many researchers are using science to dispel the myths and uncover the truths about digital dating.  Dr. Jeremy Dean, a psychologist and author of PsyBlog, addresses these myths in his article entitled, Online Dating:  10 Psychological Insights.  Here are some of Dean’s findings from contemporary research that may just cause you to take a second look at love online:

  1.  Current research seems to fly in the face of the stereotype that online daters are socially inept loners that lack social skills and ambition.  In actuality, various studies seem to indicate that online daters are often highly social and use the Internet as a convenient way to meet people often after moving to a new city, working long hours, or lacking the time to meet someone new at a more conventional place such as a bar (Kim et al, 2009).
  2.  Honesty seems to prevail in the profile of online daters.  Although research by Gibbs et al. (2006) reveals that 9 out of 10 daters may lie about physical attributes such as age, height, and weight, the inaccuracies seem to be minor (both women and men either added or removed an average of 5%).  Most do not stray far from reality and seem to recognize that these inaccuracies may be hard to detect in a face to face meeting.  Likewise, the tendency to tell the truth also seems to apply to profile photos.  After contrasting lab photos with those posted on dating websites, it was discovered that most were only slightly less attractive (5 % for women and 4 % for men) in the lab photos.
  3. Apparently, the old adage “opposites attract” does not fair very well in the digital dating realm.  Most online daters prefer to connect with others that have similar life experiences.  A 2005 study by Fiore and Dorath that investigated 65000 daters uncovered that individuals experienced the greatest online dating success when they connected with others that share similar views, interests, and other demographic factors such as cultural backgrounds.

After looking at what some of the research says about online dating, how does it measure up to your own personal experiences?  Does psychology factor into the online dating experience or is it simply a lot of scientific bluster about something that is primarily based on basic human instincts?

To read Dr. Dean’s article in it’s entirely, visit:  http://www.spring.org.uk/2010/09/online-dating-10-psychological-insights.php

Teri-Lynn James,
Communications Specialist

The opinions expressed by this blogger are theirs alone, and do not reflect the opinions or views of TekSavvy Solutions Inc.