| A | B |
|---|
| Card reader | Machine that captures information from the magnetic strip on debit/credit cards |
| Cookies | Small internal computer files that enable a Web site to “remember” visitor information |
| Diverting Mail | Thieves complete change of address form & the victim’s bills and statements are mailed to a different location |
| Dumpster Diving | Personal information is discarded and thieves remove it from the trash |
| Electronic Funds Transfer (EFT) | Part of a system of carrying out financial transactions by computer rather than using checks or cash |
| Electronic Funds Transfer Act | Provides protection for ATM & debit cards if loss is reported within 2 days: maximum $50.00; within 60 days: max $500.00; After 60 days may be liable for everything!!! |
| Fraud | Deceitful conduct designed to manipulate another person for some gain |
| Hacking | Information is stolen by breaking into a computer system |
| Identity theft | Illegal use of an individual’s personal information, such as credit cards, bank & investment account #s, social security #; & using them to commit theft or fraud |
| Opt Out | Methods by which individuals can avoid receiving unsolicited product or service info; usually associated with telemarketing, e-mail marketing, or direct mail |
| Online profiling | Practice in which companies collect information about the Web sites a consumer visits, then use that information to predict what the consumer may buy in the future |
| Phishing | Thieves use a form of electronic communication (usually email) to pretend to be a company or depository institution in order to get the victim to give up their personal information |
| Pretexting | Thieves use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources |
| Secure site | Website that uses safeguards to protect information from theft during transmission |
| Skimming | Thieves attach a device to card processors to steal credit and debit card information |
| Social Security # | Unique 9-digit number used by the Social Security Administration to keep track of a person’s earnings; used to access bank & credit card accounts, & other personal info |
| Spyware | Software installed on the victim’s computer, without their knowledge or consent, that monitors internet use, sends pop up ads, re-directs the computer to other sites, & tracks key strokes |
| Stealing | Information is taken from purse or wallet, personnel records from a workplace, tax information, bank or credit card statements, or pre-approved credit card offers from mail |
| Truth in Lending Act | Limits liability for unauthorized credit card charges to $50.00 per card |
