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Even twenty years ago when I worked there, DSS had a whole identity fraud team based in Canberra which worked together with the Federal Police. Plenty of it about particularly when a couple of states still hadn't computerised births deaths and marriages. They had Federal Police on board because DSS fieldies don't have power of arrest. Identity fraud is a felony under the Commonwealth Crimes Act.Quote:
Originally Posted by nick_e
Not sure of the law in Australia however in the UK when you use bank electronic systems they transfer the fraud risk to the user. As they are no longer at risk their systems to catch the fraud are not as comprehensive. Fraudsters know this and take advantage of the consumer who still thinks the bank is protecting them.
Hacking into someone's bank account is reasonably difficult to do though, remotely at least. Someone usually needs access to your login details and your phone to receive authentication SMS.Quote:
Originally Posted by 3toes
What is much more common is someone using your credit card number without authorisation and its the credit card companies like Visa and Mastercard that offer the cardholder protection.
Not in Australia no - the financial institution almost always takes the responsibility for fraud - there are a few instances they don't but for most things, the banks take the fall - which is why Australian banks have such secure and complicated anti fraud systems.Quote:
Originally Posted by 3toes
I believe risk is with the banks here provided you have not disclosed your PIN. Nothing to do with the law, just because the banks want to maintain confidence in the credit card system. Something worth billions to them.Quote:
Originally Posted by 3toes
Both wife and myself have had unauthorised transactions on credit cards. In my case I altered the bank. In wife's case the bank altered her, quite a few thousand $ involved. In both cases all funds fully refunded though it takes 4-6 weeks to work through the process.
Yes, we've had credit card fraud against our accounts. For example, an organization repeatedly charged our account for amounts we had not authorized. The bank, to its credit, stopped and reversed the amounts.
ID fraud was not what I was talking about.
If anything , the information collected by cellphone pc about one will help prevent I'd fraud.
It like your computer know you hate strawberry to death but one day you bought two kilos of it. And the computer thinks "hey wait a minute this is Lilley a fraudulent transaction!"
What I mean is this "Did Cambridge Analytica get your data on Facebook? You'll know soon"Did Cambridge Analytica get your data on Facebook? You'''ll know soon
It is getting easier for the powerful to manipulate the stupid. I am one of the stupid and my biases and views, if known to them, will be used to manipulate me with ease.
Cheers
Data gathering is fine until people start getting denied health cover or life insurance because they searched "chest pains" or "cancer" one too many times, and don't think the insurers won't do it. I heard that one of the reasons for Obama-care was that health funds were using c-sections, even natural child birth as a "pre-existing" conditions to deny people insurance!Quote:
Originally Posted by Tombie
Or denied a job interview because they posted something unusual on Facebook.
Or sacked for anonymously criticising government policy on Twitter.
I can't post the link because of this forum's rules about politics outside Current Affairs, but it's on Buzz feed and a search will easily find it.