Tuesday, December 24, 2013

Merry Christmas!

Merry Christmas to all of you from all of us here at the West Chester Technology Blog.  We are taking a break here until January 2, 2014. A new year will bring about a lot of great tech news. What will we see next in the tech world? What will be a hit? What will be a flop?  Will Microsoft keep gaining market share in the smartphone world and will the Surface continue gaining momentum?  Will wearable technology finally start to take off? Will cyber criminals keep making our digital lives miserable?  What can Apple do to be cool again?

I for one cannot wait to see what happens and writing about it here.



I hope everyone has a great Christmas and New Year holiday. Enjoy your family, because just like I found out in October you never know what terrible turns and twists your life will take.


Stay Safe Everyone and Merry Christmas,

Bill

Saturday, December 21, 2013

I Shopped at Target, Now What?

So you shopped at Target between Nov. 27 and Dec.15, now what should you do? Here is some information that may help.

If your card information was compromised you are likely to notice small charges on your statement that show someone is testing out your card or targeted email scams. Be sure to look at your charges on your card and specifically for your debit card and make sure you change your PIN.

If you notice activity call your bank or credit card company and Target. They will report the activity to your credit card companies and call Target at (866) 852-8680.

I would recommend cancelling your card and requesting a new number.  In addition it will be necessary to continue to monitor your account for the next six months for fraud.

Q: I shopped at Target during that time. What should I do?

A: Check your credit card statements carefully. If you see suspicious charges, report the activity to your credit card companies and call Target at 866-852-8680. You can report cases of identity theft to law enforcement or the Federal Trade Commission.

You can get more information about identity theft on the FTC's website at www.consumer.gov/idtheft, or by calling the FTC, at (877) IDTHEFT (438-4338).

Q: How did the breach occur?

A: Target isn't saying how it happened. Industry experts note that companies such as Target spend millions of dollars each year on credit card security, making a theft of this magnitude particularly alarming.

Experts disagree about how the breach might have happened. Avivah Litan, a security analyst with Gartner Research, says given all the security, she believes the breach may have been an inside job.

But thefts of this size are too big to be the work of company employees, says Ken Stasiak, founder and CEO of Secure State, a Cleveland-based information security firm that investigates data breaches like this one. Stasiak says that such breaches are generally perpetrated by organized crime or an overseas, state-sponsored hacker group.

Stasiak's theory is that the hackers were able to breach Target's main information hub and then wrote a code that gave them access to the company's point of sale system and all of its cash registers. That access allowed the hackers to capture the data from shoppers' cards as they were swiped.
James Lyne, global head of security research for the computer security firm Sophos, says something clearly went wrong with Target's security measures.

"Forty million cards stolen really shows a substantial security failure," he says. "This shouldn't have happened."

Q: Who pays if there are fraudulent charges on my account?

A: The good news is in most cases consumers aren't on the hook for fraudulent charges.
Credit card companies are often able to flag the charges before they go through and shutdown your card. If that doesn't happen, the card issuer will generally strip charges you claim are fraudulent off your card immediately.

And since the fraud has been tied to Target, it'll be the retailer that ultimately compensates the banks and credit card companies.

Q: How can I protect myself?

A: Like they say, cash is king. You can only lose what you're carrying, though admittedly many people may not feel safe walking around with a wad of bills in their pocket.

As stated before, credit card companies don't hold consumers liable for charges they don't make. Usually the worst thing consumers have to deal with is the hassle of getting a new credit card.
And the paper trail generated through credit card transactions can often make it easier do things such as return items you've purchased, or keep track of work-related expenses.

It's worth noting that while debit cards offer many of the same perks as credit cards, without the worry that you'll spend more than what's in your bank account, they often don't come with the same kind fraud protections.

As a result, those card holders may have a tougher time getting their money back if their number is stolen.

Q: How much is this going to cost Target?

A: It's too soon to tell. In addition to the fraud-related losses, banks may start charging Target a higher merchant discount rate, which is the amount retailers pay banks for providing debit and credit card services. While the percentage difference may be tiny, it could result in steep costs given the volume of transactions Target does, Litan says.

Litan added that the company could also face class action lawsuits from consumers, though most of them will be meritless, and fines from federal agencies. When combined, the costs of the breach could be so steep that they actually prompt Target to raise prices, she says.

"The real winner in this is Wal-Mart," she says.

Q: Can the bad guys be caught?

A: Stasiak says that given the sophistication of this attack, there's only about a 5 percent chance that the perpetrators will eventually be caught and prosecuted.

He notes that in cases like this, it's hard to determine where the attack originated and given the large mass of information involved it's not going to be found housed on someone's home computer.

Q: How can future breaches be prevented?

A: Litan says an easy way to prevent fraud would be to eliminate the use of easily cloned magnetic strip cards and upgrade to the kind of microchip technology used in most other parts of the world.
But she says banks have pushed back against the idea, because the microchip cards cost significantly more than the magnetic strip version and changing over all the country's ATMs could drive the total costs into the billions of dollars.

Lyne says it's unclear if the use of microchip cards would have prevented the Target breach, since it's unclear how it happened, but that it certainly wouldn't hurt.

Q: Why is the Secret Service investigating?

A: While it's most famous for protecting the president, the Secret Service also is responsible for protecting the nation's financial infrastructure and payment systems. As a result, it has broad jurisdiction over a wide variety of financial crimes. It isn't uncommon for the agency to investigate major thefts involving credit card information.

Friday, December 20, 2013

A Special Thank You

I love you little brother.
As I continued preparing for the holidays, yesterday I gathered up all of the gifts that were being delivered by so many of my co-workers (friends) to my office during the past month for my little brother's family. I took them to my parents and we discussed how best to give the gifts to Ian's 2 young children and what to say. I actually cannot remember the names of all who have reached out to offer their love and support to me, during this most terrible time. However I wanted to simply take a moment before the holiday rush to say "thank you" to everyone who has reached out to me to offer their love and support.

My little brother was, so unfairly taken from his family by a drunk driver on the evening of October 4th, 2013. These past few months have been a real struggle for me and I believe I have carried on as best as can be excepted but I cannot believe that there will be no more road trips, no more concerts, no more Sunday NFL football (Ian's Eagles and my Broncos), no more music talk, no more political debates, no more just sitting around talking and enjoying a pint or two together and no more being there for each other. Even a simple thing like watching football on Sundays are diminished now.


I must say I am amazed that there is barely a moment since October 4 that I have not felt sad. Sure sometimes my sadness gets over powered by other things going on in the moment but it is always there.
Just some of the gifts from my co-workers for my brother's family this holiday season.

One thing that I have learned from this terrible - tragic - unnecessary experience is that I really do have true friends out there and I am very thankful to everyone for everything everyone has done these past few months.

On a professional end 2013 was a great year, on a personal end, 2013 you cursed me.

2013 you will not be missed.....

China Explores the Moon

This is not really a tech story that this blog handles normally however tech news slows down during the holidays and I wanted no one to miss this story so I decided to write a little about it here.

This past Saturday, December 14, China became only the third nation (after the U.S. and Russia) to accomplish a soft-landing on the moon, which is an amazing task.

What Does This Mean for the U.S. Space Program?

If China is successful with their new space program and they decide to focus on Mars and landing on an asteroid it will probably kick off a new space race, this time between the United States and China as Sputnik did in 1957 between the U.S. and the Soviet Union.

 Back to China's Moon Mission

In order to move the moon probe into a gentle landing, the Chinese lander was equipped with state-of-the-art mini rockets, which allowed it to gently hover above the lunar surface.  This allowed it to avoid small boulders and large rocks that litter parts of its Sinus Iridum (Bay of Rainbows) landing site.
 

The successful landing occurred at 8:11 a.m. EST.

Chang'e 3 used its hovering jets to touch down softly on Saturday. [Image Source: News.cn]

Using its high-resolution imaging and hovering capabilities, the craft safely touched down in the Bay of Rainbows, a basalt sand/rock crater plane in the Lunar north.  After landing safely, the Yutu ("Jade Rabbit") rover climbed off the Chang'e 3 spacecraft without issue on Saturday, snapping pictures.

Chang'e 3, post-landing. [Image Source: News.cn]


The Yutu rover stands roughly 5 feet and features a six-wheel independent bogie-style suspension, similar to the rovers that the NASA used to rove the moon in decades past. It has been nearly four decades since the U.S. and Russia last roamed the moon. 
 
A picture of the offloaded rover is snapped by Chang'e 3 [Image Source: CCTV]
 
China's first and second Lunar probes provided mankind with unprecedented map of the Lunar surface.  Over the next few months Yutu will add yet more insight, "tasting" the chemicals in Lunar rock and exploring the Lunar dirt/crust with ground-penetrating radar. 
 
 
The lander is powered by a radioisotope heater, while the rover is powered by a solar panel.  Both will only operate by day to safeguard their sensitive electronics from the chilling northern Lunar night.

You can be assured that the United States Space Program will be watching this closely and we can all hope that we, as a nation will be exploring the stars again with a new inspired mission we can all collectively get excited about.

Thursday, December 19, 2013

Target Customers Beware

Living in a digital world does not comes without it's dangers and if you recently shopped at Target it just got a little scarier. Happy Holidays from the cybercriminals.


That is because credit and debit card information of many Target customers have apparently been stolen during the Black Friday weekend, according to reports. In fact this may be been continued for another two weeks after black Friday weekend.

The thieves got access to data stored on the magnetic stripe on the back of the credit and debit cards through card swiping devices that could have been tampered with at the retailer's stores. This fact was reported by the Wall Street Journal on Wednesday, citing people familiar with the matter.

This is a real security problem because it is the data on the stripe which can be used to make counterfeit cards. If the thieves also intercepted PIN (personal identification number) data for debit transactions, they would have the ability to reproduce stolen debit cards and use them to withdraw cash from bank accounts through ATM's.

Millions of cardholders could be vulnerable as a result of the breach that is believed to have affected about 40,000 card devices at store registers, the Journal said, citing people familiar with the incident. The breach extends to nearly all Target locations in the United States.

If you have shopped at any Target store from late November through today I would recommend that you cancel the card you used there and have a new one issued. Also double and triple check your account (you used) and your bank account if it was a debit card.

Wednesday, December 18, 2013

Shopping with HTTPS

Being that it is the holiday season and if you are reading this fine tech blog you have no doubt shopped online, and chances are you have probably noticed, or been told to look for, certain indicators that you have a secure Web connection.

For many years, the primary indicator was a padlock at the bottom of your browser screen. Now, the padlock is likely to be found in the address bar up top. Sometimes the address bar itself will turn a different color (usually green) when you enter a secure website.

The "http" prefix on the website, if it's visible, will change to "https" The "s" stands for "secure."

Learning to read these browser indicators is an important way to avoid becoming a victim of cybercriminals.

What is HTTPS Anyway?

Hypertext Transfer Protocol Secure (https) is a communications protocol for secure communication over a computer network, with wide adoption on the Internet. This security level is the result of layering the Hypertext Transfer Protocol (HTTP) on top of the SSL/TLS protocol, which adds the security capabilities of SSL/TLS to standard HTTP communications.

If you do not see that a site is using the HTTPS protocol always avoid providing any personal or financial information.

Surface Sales Surging This Season?

Here is some good holiday cheer for Microsoft. I have been a proud user of first the Microsoft Surface then the Surface Pro 2 tablet. This mobile device is much more then a tablet and performs in many ways like a really good laptop. I have been able to travel several times exclusively with this device which is really saying something because I often need to provide remote support, work on webpage design in addition to all of the other work related tasks many of us do when away from the office. The Surface can also compete in many ways with the iPad as well in respect to consumer tasks, although it is in this area where Microsoft is still working to catch up.


Now it appears that Microsoft’s Surface Pro 2 and Surface 2 tablets are selling very well. Many retailers are sold out with just over a week to go until Christmas. It’s unclear whether Microsoft built smaller quantities of tablets and might be manufacturing the sellouts, or whether the company is actually enjoying a hot streak with Surface Pro 2 and Surface 2 sales. I tend to believe it is selling well, simply because I believe it is a very good solution for those who want a good mobile solution that performs well for both work and home.

Either model is listed as “sold out” on Microsoft’s online store, no matter which configuration buyers try to purchase. The same goes for Walmart’s online store and Best Buy’s retail stores – interestingly though, Best Buy’s website shows the devices as available. According to a Best Buy salesperson in New York City, the new Surface tablet is “extremely popular” with shoppers, although no actual sales numbers were provided by the stores. Amazon, on the other hand, still has Surface Pro 2 and Surface 2 units for sale, although "stock is limited".

Interestingly, Microsoft is not willing to reveal sales numbers for its new Surface tablets. “With regards to specific inventory levels or sales numbers we don’t comment on those specific figures,”

Microsoft Surface senior manager Ben Reed recently stated, “I would say that it’s our goal to get these two tablets into as many people’s hands as possible, and we’re actively working with manufacturing teams and retail partners to replenish stock where it’s been sold out as soon as possible.”

It’s not clear when more Surface stock will be available in these stores.

The Surface 2 and Surface Pro 2 are Microsoft’s second-generation Windows tablets, which were released on October 22nd.

You can learn more about the Microsoft Surface from these earlier blog articles I posted.

Much of this story was originally reported at Mashable.com.

Tuesday, December 17, 2013

FAA Looks to Expand New Cell Phone Use Policy

I have written about this story several times now and one final twist is here. I never accepted that mobile devices could impact airplanes in any meaningful technical way and I was thrilled to see that the FAA finally lifted that unnecessary restriction from passengers (on takeoff and landing). On a recent trip by air it was awesome to have US Airways simply direct everyone to switch their mobile devices to "airplane" mode for takeoff and again on approach for landing. The only restrictions at this point were the use of laptops (over 5lbs) which needed to be put away.


However it seems many are pushing for the use of "cell phone" while in flight. Now here - technology issues aside I believe that this should remain restricted. Airplanes are crowded places and the aggravation this will cause to those around someone carrying on a conversation (by phone) while in flight will more then likely lead to confrontations by frustrated passengers.

Regardless of my opinion here, the Federal Communications Commission is actually proposing a new rule, permitting cellphones in the air. Unsurprisingly, many, just like me are unhappy about the prospect of sitting next to a loud yapper for hours. However, help could be at hand, in the form of the Department Of Transportation. It may prohibit voice calls, for being unfair to consumers. I will stay on top of this ongoing story and keep you, my dedicated readers up to date. What do you think? Should we be allowed to talk on the cellphone while in flight?

Friday, December 13, 2013

A True Tablet/Laptop Hybrid Arrives

With Christmas fast approaching I wanted to write one more time before the end of the year about Microsoft Surface line of tablets. This is truly the first affordable and usable tablet/laptop hybrid available today.

There are two distinct versions here so be aware of the differences before you decide to purchase one.

First there is the Surface RT (gen 1) or Surface 2 (gen 2). This version does not run Windows Pro and therefore you can not run native Windows applications and you are restricted to the Windows Store for your applications. However this one does come with Microsoft Word, Excel, PowerPoint and Outlook pre-installed. If you primarily only use your tablet for Microsoft Office services, email and internet this one can be found for under $300 (RT) and $449 (Surface 2).

The more powerful (and expansive) version is the Surface Pro (gen 1) and Surface Pro 2 (gen 2). Here you get everything that comes with the RT or Surface 2 but because it is running full Windows 8.1 you can run any native Windows application. This one starts at $899.

For me I have the Surface Pro 2 and during my recent vacation away from the office I was able to travel with this exclusively with no need to also drag along a laptop. This is a big deal to me because I often have to work on the road, connect in to various workstations and servers to provide remote support. I was called upon to do this several times this past trip and the Surface Pro 2 performed admirably. What a sense of freedom it was to only have to bring this small form factor tablet/PC with me!  I have never before found anything that could handle these tasks outside of a laptop. Because this also acts as a tablet you can get away with leaving your iPAD behind as well.

The Surface Pro and Surface Pro 2 can also be connected to a dock ($199) at your office which when connected to your local network can act as an office PC. When you work day is done you simply disconnect from the dock and travel how with your tablet/PC.

The dock has plenty of USB ports, video/audio out, LAN and is self powered.


The Surface sits very nice in the dock and connects by pushing the 2 sides in.

Once connected you can use your Surface on your local network.

With the dock you can of course use a large monitor, keyboard, mouse and external speakers. This is a great setup for your office and allows you to truly have a travelling office.
 
If someone is looking for a good laptop/tablet hybrid this is what I currently recommend. You can learn more here.
 

8Bit Star Trek Returns on the iPAD

I do not normally write about video games here but in the case of the new IPAD app (game) I will make an exception just because I look forward to checking it out.

If you are over 40 years old this 8bit interface is sure to bring back great memories.

In this new IPAD game from Xcube Games and YesGnome a temporal rift has caused old foes and surprising new allies to find their way into an unexplored region of space. You are directed to build your ship, choose your crew, and explore an 8-bit galaxy like no one has before.

Set within the original Star Trek universe, players will apparently encounter familiar characters and locations from Star Trek™: The Original Series and Star Trek™: The Next Generation, as well as all new crew members, aliens, and mysterious planets to explore. The game also features narration by the one and only George Takei, the original music from the series, and a user interface based on the iconic LCARS (Library Computer Access/Retrieval System) system.



Star Trek™ Trexels is available here for the $2.99.

Thursday, December 12, 2013

Switching from Gmail to Outlook.com

I always recommend using a free personal email service like Gmail or Microsoft as opposed to your ISP's email service. Why is this? Well lets say you have a Comcast email address and you decide to switch to Verizon. You are going to be in a position where you are forced to change your email address which can be a big inconvenience. If you use Microsoft or Gmail for example you will not need to make any email address changes, regardless of your ISP (internet service provider).

During the past year Microsoft has really stepped up their free email service and transitioned what had been Hotmail and Live.com over to Outlook.com. This is the one I recommend.

As I just noted switching email services can be a huge decision, and a major chore. You have to notify friends and family members about your new email address, transfer over your contacts and folders, and find a way to get all your messages from one service to the other.

The thought of all that work might discourage you from switching, even if you're not happy with your current email provider. But if you use Google's Gmail and it just isn't working for you anymore, Microsoft wants to simplify the process of moving to Outlook.com.

The software recently introduced s new functionality in Outlook.com that lets you easily transfer over all your emails, contacts, and folders from Gmail. The new service is rolling out and should be available to all Outlook.com accounts worldwide over the next several weeks.

You can access the new tool from your Outlook.com settings, or by clicking here and signing in with your Outlook.com account (if you don't already have an account, you'll be able to sign up for one). From there, you'll have the option to import all your Gmail into a new set of subfolders in Outlook.com.

Next, you will need to sign in to Gmail and grant the tool access to your account. Once you OK this, the tool will start copying over your email and you will be navigated back to Outlook.com. After you start the import process, Microsoft will send you instructions on how to set up email forwarding, so that all the messages sent to your Gmail account go to Outlook.com. Once the import is complete, Microsoft will send to a message letting you know it has finished.

Friday, December 6, 2013

Freedom in the Sky

Yesterday was the start of a even better relationship between me and the FAA. I have been flying my entire adult life and the silly notion that my mobile device could cause dangerous havoc has always astounded me. Sure it was only an inconvenience to have to shut down my iPhone or tablet or Kindle on take off and landing but I always believed that there was no real technical reason for this rule being there.



Airplanes are one of the most amazing machines ever built by mankind. Think about, at 6:50 AM the wife and I are in cold and foggy Philadelphia and by 10:00 AM we are enjoying Florida weather and walking through EPCOT at Walt Disney World. Also being heavily involved in the tech world the mere notion that mobile devices were dangerous to air travel bugged me.

My believe was made certain about a year ago when an off duty US Airways crew member sat on her iPhone texting away as we took off on our flight while everyone else of course had turned there's off.

Anyway as I reported a couple of months ago the FAA has finally lifted this silly rule. Yesterday was my first flight where the passengers were simply directed to switch their mobile devices to "airplane mode". Airplane mode turns of the cellular and wireless services on your devices, but they continue to function otherwise. This means you can read you Kindle, listen to music, work on that critically important document or watch a movie on your iPad.

Laptops (anything over 5 labs) are still required to be put away during takeoff and landing which is simply so they do not start flying around if things get a little bumpy. This rule I understand.

For me, what did I do this time on my first flight of tech freedom? I simply continued listening to music on my old iPhone while we took off and landed. Maybe next time I will read my Kindle or watch a movie.

The Big Question

But why was this silly rule imposed on us air travelers for so long? I have also felt that there was no technical or mechanical reason but one of "safety". Yesterday's flight proved this to me. As we were getting ready for takeoff and the crew were running down all of the safety rules (oxygen masks etc.) almost no one was paying attention. You guessed it, almost every passenger was reading, watching a video, playing a game or like me, listening to music.

Passengers do need to hear these safety rules - so I am predicting that once this behavior is observed by the airlines on a regular basis there will be a modification that requires something more from the air traveler. So stay tuned and watch for this to happen in a year or so.

Wednesday, December 4, 2013

Reversible USB on the Way!

Why this took so long I really do not know but it is finally here. Am I the only one excited about the new reversible USB plug which is seemingly on the way to the market next year.
 
 
The next generation of USB is currently being developed, according to a press release by USB 3.0 Promotor Group. The new connectors, known as Type Cs, will sport a number of new features, including a smaller and thinner design. However the feature that has me most excited is that it will be reversible. "Users will no longer need to be concerned with plug orientation/cable direction, making it easier to plug in,” the press release explains.
 
That might seem like a minor detail, but everyone knows the nuisance of fiddling to orient a USB plug the right way, which probably collectively consumes a fair amount of time across the global population. The ports are used for everything from computers to phones and even car sockets. This new USB feature follows in the footsteps of Apple’s “Lightning” connector for its most recent generations of mobile devices, which are reversible as well. 
 
Copies of the new USB will be sent out in early 2014 for a 45-day review period before being formally released onto the market.

Tuesday, December 3, 2013

FBI Issues Holiday Scam Reminder

Watch Out for Bad Santa when online.
This morning, a co-worker, who will remain nameless entered my office asking for help. It seems that after his wife was shopping online this past weekend their email account was compromised and began sending our spam to everyone in their address book. This tale of woe was hopefully resolved by having the victim simply change their email account's password, but the fix is often not that easy.

So here is more online holiday shopping scam information.

Following on the heals of this fine blog the FBI, this week issued a series of reminders to online shoppers to beware of scams and to use their common sense.

"Scammers use many techniques to defraud consumers, from phishing e-mails offering too good to be true deals on brand-name merchandise to offering quick cash to victims who will re-ship packages to additional destinations. Previously reported scams are still being executed today," the FBI states.

Here's a rundown of the FBI's advice, some are more obvious than others.

Keep a watchful eye on your personal credit information at this time of year for any possible fraudulent activity.

Be careful when receiving online correspondence from banks. Never click on a link embedded in an email from your bank. Rather, open a new webpage and manually enter the URL to avoid getting snagged in a phishing trap.

Stick mainly to reputable online sites. Those unfamiliar to you might be traps designed to swipe your personally identifiable information.

Don't assume even top search results will take you to a reputable site. Take a close look at the URL (website address) of any site you plan to visit to see if anything looks odd, such as extra characters. Make sure the payment page of any website you use starts with https, not just http.

Don't respond to unsolicited email (i.e., spam)

Be wary of emails claiming to contain photos in attached files... which could contain viruses.

Avoid filling out forms contained in email messages that as for personal info.

Be on the alert if you are requested to act quickly or if there is an emergency that requires your attention, as these could be scams.

Check out US-CERT's posting on Holiday Season Phishing Scams and Malware Campaigns.

Finally, if it looks too good, it probably is.

Sunday, December 1, 2013

Staying Safe on Cyber Monday... and Beyond

With Cyber Monday only a day away I wanted to post some reminders regarding how to stay safe while shopping online. Of course these tips are not only important for "Cyber Monday" but anytime your are shopping online.

  • Keep a Clean Machine: All the devices you use for shopping - including smartphones and
    tablets - should have up-to-date software including security software, operating systems, programs and apps. 
  • When in Doubt, Throw it Out: Links in email, tweets, posts, and online advertising are often the way cybercriminals compromise your computer. If it looks suspicious, even if you know the source, it’s best to delete or if appropriate, mark as junk email.
  • Think Before you Act: Be wary of   communications that offer amazing deals that sound too good to be true, implore you to act immediately - including those about a problem with an order or payment or ask you to view the website via a provided link.                                    
  • Get Savvy about Wi-Fi Hotspots:  Don’t share personal or financial information over an unsecured network (a connection that doesn’t require a password for access). Using the direct web access on your phone (via a 3G/4G connection) is safer than an unsecured wireless network when on your mobile device.
  • Make Sure the Site is Legitimate: This includes a closed padlock on your web browser’s address bar or a URL address that begins with shttp or https. This indicates that the purchase is encrypted or secured. For new sites, check online reviews.
  • Protect your Personal Information: Be alert to the kinds of information being collected to complete the transaction. Make sure the information requested is only that needed to complete the transaction. Only fill out required fields on checkout forms. Check the website's privacy policy. Make sure you understand how your information will be stored and used.
  • Use Safe Payment Options: Credit cards are generally the safest option because they allow buyers to seek a credit from the issuer if the product isn’t delivered or isn’t what was ordered. Credit cards may have a limit on the monetary amount you will be responsible for paying. Never send cash through the mail or use a money-wiring service.
  • Keep a Paper Trail: Save records of your online transactions, including the product description, price, online receipt, terms of the sale, and copies of email exchanges with the seller. Read your credit card statements as soon as you get them to make sure there aren’t any unauthorized charges. If there is a discrepancy, call your bank and report it immediately.