Identity Theft (ID Theft)

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It is the deliberate use of someone else’s identity, usually as a method to gain a financial advantage or obtain credit and other benefits in the other person’s name, and perhaps to the other person’s disadvantage or loss. The person whose identity has been assumed may suffer adverse consequences if they are held responsible for the perpetrator’s actions. Identity theft occurs when someone uses another’s personally identifying information, like their name, identifying number, or credit card number, without their permission, to commit fraud or other crimes.

The term identity theft was coined in 1964; however, it is not literally possible to steal an identity — less ambiguous terms are identity fraud or impersonation — terms which tend less toward emplacement of onus upon the impersonated person and which tend more toward emplacement properly of the onus upon the victim and the perpetrator of fraud.

Types

Sources such as the non-profit Identity Theft Resource Center sub-divide identity theft into five categories

• Criminal identity theft – posing as another person when apprehended for a crime
• Financial identity theft – using another’s identity to obtain credit, goods and services
• Identity cloning – using another’s information to assume his or her identity in daily life
• Medical identity theft – using another’s identity to obtain medical care or drugs

Identity theft may be used to facilitate or fund other crimes including illegal immigration, terrorism, phishing and espionage. There are cases of identity cloning to attack payment systems, including online credit card processing and medical insurance

Identity Theft Techniques

Identity thieves typically obtain and exploit personally identifiable information about individuals, or various credentials they use to authenticate themselves, in order to impersonate them. Examples include:

• Rummaging through rubbish for personal information (dumpster diving)
• Retrieving personal data from redundant IT equipment and storage media including PCs, servers, PDAs, mobile phones, USB memory sticks and hard drives that have been disposed of carelessly at public dump sites, given away or sold on without having been properly sanitized
• Using public records about individual citizens, published in official registers such as electoral rolls
• Stealing bank or credit cards, identification cards, passports, authentication tokens … typically by pickpocketing, housebreaking or mail theft
• Common-knowledge questioning schemes that offer account verification and compromise: “What’s your mother’s maiden name?”, “what was your first car model?”, or “What was your first pet’s name?”, etc.
• Skimming information from bank or credit cards using compromised or hand-held card readers, and creating clone cards
• Using ‘contactless’ credit card readers to acquire data wirelessly from RFID-enabled passports
• Observing users typing their login credentials, credit/calling card numbers etc. into IT equipment located in public places (shoulder surfing)
• Stealing personal information from computers using breaches in browser security or malware such as Trojan horse keystroke logging programs or other forms of spyware
• Hacking computer networks, systems and databases to obtain personal data, often in large quantities
• Exploiting breaches that result in the publication or more limited disclosure of personal information such as names, addresses, Social Security number or credit card numbers
• Advertising bogus job offers in order to accumulate resumes and applications typically disclosing applicants’ names, home and email addresses, telephone numbers and sometimes their banking details
• Exploiting insider access and abusing the rights of privileged IT users to access personal data on their employers’ systems
• Infiltrating organizations that store and process large amounts or particularly valuable personal information
• Impersonating trusted organizations in emails, SMS text messages, phone calls or other forms of communication in order to dupe victims into disclosing their personal information or login credentials, typically on a fake corporate website or data collection form (phishing)
• Brute-force attacking weak passwords and using inspired guesswork to compromise weak password reset questions
• Obtaining castings of fingers for falsifying fingerprint identification.
• Browsing social networking websites for personal details published by users, often using this information to appear more credible in subsequent social engineering activities
• Diverting victims’ email or post in order to obtain personal information and credentials such as credit cards, billing and bank/credit card statements, or to delay the discovery of new accounts and credit agreements opened by the identity thieves in the victims’ names
• Using false pretenses to trick individuals, customer service representatives and help desk workers into disclosing personal information and login details or changing user passwords/access rights (pretexting)
• Stealing cheques (checks) to acquire banking information, including account numbers and bank routing numbers
• Guessing Social Security numbers by using information found on Internet social networks such as Facebook and MySpace
• Low security/privacy protection on photos that are easily clickable and downloaded on social networking sites.
• Befriending strangers on social networks and taking advantage of their trust until private information is given.

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