Latest / Challenges of Faith Radio Program / Did u hear #48:What is with these loyalty reward programs?: Ep 2789

Transcript

Did u hear #48:What is with these loyalty reward programs?: Ep 2789 · Challenges of Faith Radio Program

• 0:00
  Speaker 1: Welcome back to Challenges of Faith radio program on the
• 0:03
  Speaker 1: Did you hear a number forty eight like technology God
• 0:10
  Speaker 1: and you are listeners and our new listeners in Dominican Republic, Singapore, Iceland, Spain,
• 0:18
  Speaker 1: Brazil and Ireland, thank you for joining. Let's start off
• 0:24
  Speaker 1: with in the biblical world, would be considered demonic. Did
• 0:33
  Speaker 1: you hear that the authorities say that Sebastian Subpita Kali,
• 0:45
  Speaker 1: an individual in the United States illegally from Guatemala who
• 0:54
  Speaker 1: was once deported returned without the authorities knowing. That's what
• 1:06
  Speaker 1: they say. But he calmly approached a woman on a
• 1:11
  Speaker 1: New York subway and lit her clothes on fire, with
• 1:15
  Speaker 1: the Civilliance footage showing he then watched the victim burn.
• 1:28
  Speaker 1: I wonder if anybody tried to help her or prevent him.
• 1:38
  Speaker 1: According to cyber News, the Hidden Costs of Rewards, how
• 1:47
  Speaker 1: reward programs turned loyalty into dollars, free rewards, exclusive discounts
• 1:54
  Speaker 1: of VIP perks. It all sounds like a great deal. However,
• 2:00
  Speaker 1: when you join a loyalty program, you're giving more than
• 2:05
  Speaker 1: you're getting. These programs don't just know what you buy,
• 2:12
  Speaker 1: they know who you are and where you live. I
• 2:17
  Speaker 1: think about it. Those of you who try to fault
• 2:24
  Speaker 1: individuals who background may entell all of this, and they're
• 2:30
  Speaker 1: trying to forewarn you if you want to listen, and
• 2:34
  Speaker 1: a lot of people do not. It's all comfortable in
• 2:37
  Speaker 1: their own world. That's your right. These programs don't just
• 2:45
  Speaker 1: know what you buy. They know who you are and
• 2:50
  Speaker 1: where you live. So if you talk about a relationship,
• 2:53
  Speaker 1: here's somebody you don't even know know all about you,
• 2:58
  Speaker 1: and the people that want to know you, you don't
• 2:59
  Speaker 1: want them to know you. From your email and phone number,
• 3:05
  Speaker 1: to your shopping habits and even your real time location.
• 3:08
  Speaker 1: Loyalty programs collect at all. Unfortunately, malicious hackers know it
• 3:15
  Speaker 1: too when breaches hit these systems, and they half the
• 3:20
  Speaker 1: more often than you think, your personal information is stolen instantly.
• 3:27
  Speaker 1: What loyalty programs know all about you. You have to
• 3:33
  Speaker 1: check out or browsing online and you're off the loyalty program.
• 3:37
  Speaker 1: You sign up, you earn your points, and you save money,
• 3:40
  Speaker 1: and all you need to do is provide a little
• 3:42
  Speaker 1: bit of information, just a little bit. Can remember now,
• 3:48
  Speaker 1: you're already out there on social media. You know you're
• 3:52
  Speaker 1: talking to individuals you just met, you don't even know them,
• 3:57
  Speaker 1: but you put your trust in them to ask you
• 4:01
  Speaker 1: for your email address, it makes sense, and either way
• 4:04
  Speaker 1: to send your points balance and those juicy offers and
• 4:07
  Speaker 1: your phone numbers is next and they say it's for
• 4:10
  Speaker 1: account verification or exclusive text alerts, and of course your
• 4:15
  Speaker 1: home address is useful for shipping. And then you got
• 4:21
  Speaker 1: those optional fields like cold are you, what's your gender?
• 4:26
  Speaker 1: Where you work? And you attempted to fill them in
• 4:30
  Speaker 1: you know you are. And then once you enroll, the
• 4:33
  Speaker 1: programs start keeping tabs on your shopping habits, what you buy, hapen,
• 4:38
  Speaker 1: do you shop? Are your late night online spender or
• 4:41
  Speaker 1: weekend store? Browser is all tracked? Say what? Oh waymguars
• 4:47
  Speaker 1: did you hear programs? Say what? But in your relationship,
• 4:54
  Speaker 1: hopefully it's real. You have a problem with some answer
• 5:01
  Speaker 1: this question, that question, this question, that question, But you
• 5:04
  Speaker 1: don't have a problem with somebody that you don't even
• 5:07
  Speaker 1: know and you are unaware of tracking you. When there's
• 5:12
  Speaker 1: an app involved, it gets even more complicated with location
• 5:15
  Speaker 1: tracking and able because you clicked allow at one time,
• 5:21
  Speaker 1: the app knows when you visit the store how frequently.
• 5:26
  Speaker 1: It all feels so normal, just the stuff you expect
• 5:29
  Speaker 1: for a program designed to reward your loyalty. Think about
• 5:34
  Speaker 1: you are loyal to a program. When you step back
• 5:38
  Speaker 1: and think about it, it's a little unsettling. This isn't
• 5:42
  Speaker 1: just a reward program. It's the data collection engine. Every click, scan,
• 5:49
  Speaker 1: and swipe answer another layer to your profile or profile
• 5:52
  Speaker 1: does not just yours. It's theirs. Say what, Gary, did
• 5:58
  Speaker 1: you hear? Say what? The same data that companies collect
• 6:04
  Speaker 1: the reward, the reward you welcomes a gold mine for
• 6:09
  Speaker 1: cyber criminals when those systems fell cure. This isn't just theoretical.
• 6:14
  Speaker 1: It's a well established scheme that enfolds step by step,
• 6:18
  Speaker 1: with your personal information at the center of it all,
• 6:20
  Speaker 1: says cyber News. The whole method looks somewhere like this.
• 6:26
  Speaker 1: Hackers breached poorly protected loyalty programmed data accompanies themselves sell it.
• 6:35
  Speaker 1: The data is leaked or shared on underground data markets.
• 6:39
  Speaker 1: Scam centers purchase bundles of phone numbers, emails, and personal information.
• 6:44
  Speaker 1: Scammers use the data to target victims stealing money through fishing.
• 6:48
  Speaker 1: Not when you're going you and your friends or by
• 6:53
  Speaker 1: yourself out there FISHI G it's phil sing, fraud or scams.
• 7:05
  Speaker 1: Think about it. You get a suspicious call claiming you
• 7:07
  Speaker 1: won a prize, or a text pretending to be for
• 7:11
  Speaker 1: your bank. The message fields just convincing enough to make
• 7:14
  Speaker 1: you pause. Have you ever wondered how they got your number?
• 7:19
  Speaker 1: There's a high chance this is how it happened, all
• 7:23
  Speaker 1: while you're feeling good about that free coffee. Are ten
• 7:26
  Speaker 1: dollars off your next purchase. Fifteen million accounts, think about it.
• 7:33
  Speaker 1: Fifteen million accounts were breached in the United States in
• 7:39
  Speaker 1: twenty twenty four. I just think, now a couple more
• 7:42
  Speaker 1: days it's twenty twenty five, or you're gonna take this
• 7:45
  Speaker 1: knowledge with you. You sure. Data collected using the cyber
• 7:52
  Speaker 1: News Personal Data Lead Checker, which aggregates information from publicly
• 7:56
  Speaker 1: available breached sources, it paints a trouble picture of the
• 8:00
  Speaker 1: scale of data exposure in the United States. How about
• 8:04
  Speaker 1: in your country? But we're talking about the United States
• 8:09
  Speaker 1: because you remember just recently how the FB one or
• 8:11
  Speaker 1: the FBI sent out a nationwide notification alert about texting
• 8:17
  Speaker 1: between the iPhones and the androids. You didn't know, didn't you?
• 8:22
  Speaker 1: Why not all breaches them directly from loyalty systems. The
• 8:27
  Speaker 1: sensitive information they store, such as emails, phone numbers, and
• 8:30
  Speaker 1: purchasing behaviors make them particularly vulnerable. Recent findings revealed that
• 8:37
  Speaker 1: five million, seven hundred and eighty nine and ninety one
• 8:41
  Speaker 1: through email addresses, one hundred and nineteen websites, and billions
• 8:47
  Speaker 1: of phone numbers have been exposed in the US based breaches.
• 8:50
  Speaker 1: That's in twenty twenty four alone. Alarmingly, one in three
• 8:57
  Speaker 1: service industry companies has experiences breaches, a clear sign of
• 9:02
  Speaker 1: how widespread and underprotected these systems remain. Cyber criminals exploit
• 9:08
  Speaker 1: weak defenses to steal sensitive detail emails, phone numbers, and
• 9:13
  Speaker 1: even reward points, and they use tactics like credential stuffing
• 9:18
  Speaker 1: to infiltrate accounts. And just think this isn't just a
• 9:22
  Speaker 1: United States problem. Globally, loyalty systems in countries like France, India,
• 9:28
  Speaker 1: and Germany face similar challenges. Millions of consumers are exposed
• 9:35
  Speaker 1: to identity theft and fraud. Now you know that's why
• 9:40
  Speaker 1: I started that did you hear segment? It's just because
• 9:45
  Speaker 1: of that. Stolen personal data is combined with other leads
• 9:50
  Speaker 1: to open fake accounts, drain loyalty balances or craft targeted
• 9:55
  Speaker 1: fishing scams that are hard to spot. Moving into cyber news,
• 10:01
  Speaker 1: Loyalty cards and gift cards that can hold money are
• 10:04
  Speaker 1: also popular among scammers, as they can redeem the balance
• 10:08
  Speaker 1: without drawing any suspicion from banking regulators. If your details
• 10:13
  Speaker 1: have been hacked, scam call centers will definitely attempt to
• 10:15
  Speaker 1: swindle you out of your money for business. Does the
• 10:19
  Speaker 1: consequences go far beyond financial losses data breaches you rode
• 10:24
  Speaker 1: consumer trusts. The commodity that wants loss is nearly impossible
• 10:30
  Speaker 1: to rebuild. So the question you got to ask and
• 10:33
  Speaker 1: answer how do you go about protecting your data from
• 10:36
  Speaker 1: the loyalty program breaches? Well, waiting for private companies to
• 10:44
  Speaker 1: introduce stricter privacy measures or for the government to start
• 10:47
  Speaker 1: regulating loyalty programs are not viable options when your data
• 10:52
  Speaker 1: is at risk here and now, and remember, you can't
• 10:56
  Speaker 1: control the system, but you can control how you engage
• 10:59
  Speaker 1: with the There's safety measures that you can take to
• 11:02
  Speaker 1: reduce the chance of your sensitive data leaking or to
• 11:05
  Speaker 1: minimize the damage in case of a data breach. For example,
• 11:10
  Speaker 1: why don't you start avoids sharing personal information when possible.
• 11:15
  Speaker 1: Loyalty programs usually do not require highly specific personal information
• 11:20
  Speaker 1: to sign up, unless you're required to provide your phone
• 11:23
  Speaker 1: number or verify your identity. By showing your ID, you
• 11:27
  Speaker 1: can make up a whole new identity just for the
• 11:30
  Speaker 1: rewards program. Not giving your real name is one way
• 11:34
  Speaker 1: to do it. Another is to have an email alias.
• 11:38
  Speaker 1: Specifically for loyalty programs. You can create an email or
• 11:42
  Speaker 1: take advantage of some services email alias features. For example,
• 11:48
  Speaker 1: Google Workspace allows you to create several aliases and password
• 11:53
  Speaker 1: managers such as nord Pass, which also have an email
• 11:58
  Speaker 1: masking feature that permit aliases. You didn't hear me say
• 12:03
  Speaker 1: anything about alien, I said aliases. Cybernews highly recommend getting
• 12:08
  Speaker 1: an email alias, as it is handy when subscribing to
• 12:11
  Speaker 1: Newton's letters and loyalty programs and help prevent your true
• 12:16
  Speaker 1: email address from leaking in case of a data breach.
• 12:20
  Speaker 1: That in terms going to help you avoid phishing emails
• 12:23
  Speaker 1: or hagging attempts. Don't wait for late breach announcement. Remember
• 12:29
  Speaker 1: before I started the did you hear you always heard
• 12:32
  Speaker 1: me talk about just being upfront, keeping it real. How
• 12:40
  Speaker 1: that if I wait for private companies or this and
• 12:44
  Speaker 1: that or organization. Then last last time a state governmental entity.
• 12:49
  Speaker 1: If I waited for them to tell me about data breach,
• 12:55
  Speaker 1: that'd be years in the making. Now I do have
• 12:58
  Speaker 1: to commend the federal government. That's somehow another always how
• 13:01
  Speaker 1: I've always been able to find out. I'm like, say,
• 13:07
  Speaker 1: what if I remember the digit hear and I remember
• 13:10
  Speaker 1: a bank before I transferred, I'm still waiting for them
• 13:18
  Speaker 1: to tell me. Companies usually notice a data breach way
• 13:24
  Speaker 1: too late. They're also not very keen on sharing where
• 13:26
  Speaker 1: there's been a leak concerning their customers. However, you can
• 13:30
  Speaker 1: monitor your data yourself and take acting if you find
• 13:33
  Speaker 1: something suspicious. There's various twos that can help you with it.
• 13:38
  Speaker 1: Cyber News Data leap Checker was designed just for that purpose.
• 13:42
  Speaker 1: All you need to do is enter your phone number
• 13:44
  Speaker 1: or email address, and it was scanned the webs to
• 13:46
  Speaker 1: see if that data shows up in any of the
• 13:48
  Speaker 1: suspicious websites. Find that your account details have been leaked,
• 13:53
  Speaker 1: you can change passwords, add to FA and overall safeguard
• 13:58
  Speaker 1: the affected data. Another way to find if your data
• 14:02
  Speaker 1: has been compromised. To take advantage of dark web monitors
• 14:07
  Speaker 1: usually available with advanced password managers and VPNs like surf Sharks.
• 14:13
  Speaker 1: The service would scan. The service would scan the dark
• 14:16
  Speaker 1: web and notify you if your details are leaked or
• 14:19
  Speaker 1: up for sale. If if you regularly check your personal
• 14:25
  Speaker 1: accounts for leaks, you won't be called off guard. If
• 14:28
  Speaker 1: a data breach happens, you can take action to protect
• 14:31
  Speaker 1: your sensitive information before malicious agents exploit it. Remember now,
• 14:36
  Speaker 1: those malicious agents are humans, irrespective of skin done, irrespective
• 14:45
  Speaker 1: of zip code. They're humans that way, if you can,
• 14:49
  Speaker 1: if you can't create an aliens for your rewards program,
• 14:52
  Speaker 1: you would at least be able to protect your most
• 14:54
  Speaker 1: important accounts and remember secure your accounts, making it hard
• 14:59
  Speaker 1: to access your counts even in the case of a
• 15:01
  Speaker 1: data breach. There's another way to minimize the negative impact.
• 15:06
  Speaker 1: If it's impossible to create an alias in order to
• 15:09
  Speaker 1: subscribe to a loyalty program, then make sure the personal
• 15:13
  Speaker 1: details are linked to it that I protect it, and
• 15:17
  Speaker 1: you can do that. A variety of ways enable multi
• 15:21
  Speaker 1: factor authentication because if you set up hurdles for logging in,
• 15:25
  Speaker 1: it can help prevent malicious hackers from accessing your personal
• 15:28
  Speaker 1: accounts in case of a data breach or successful fishing
• 15:33
  Speaker 1: attempt and quick giving out your personal information over the phone.
• 15:38
  Speaker 1: If your phone number has leaked, you may encounter increase
• 15:42
  Speaker 1: number of scam calls and message attempts, especially those who
• 15:46
  Speaker 1: claim it from the post office. Don't give any personal
• 15:49
  Speaker 1: information to callers, no matter who they say they are.
• 15:54
  Speaker 1: You know you shouldn't, but are you going to listen
• 15:56
  Speaker 1: to it? Oh? And by the way, change your passwords regularly.
• 16:00
  Speaker 1: Never use the same password for any of the reward
• 16:03
  Speaker 1: programs as you use on your other accounts. For all
• 16:06
  Speaker 1: sensitive accounts, make sure the regularly changed password. A password manager,
• 16:11
  Speaker 1: even a free one, as long as it's reliable, can
• 16:14
  Speaker 1: help you keep your password safe and regularly updated without
• 16:17
  Speaker 1: you having to memorize them all. Don't even try to
• 16:20
  Speaker 1: memorize them. You know it's trueman. Did you hear about
• 16:26
  Speaker 1: the urgent recall for pet food it's been contaminated with
• 16:31
  Speaker 1: bird flu issued after a cat dies. Did you hear
• 16:35
  Speaker 1: about it? Northwest Naturals, based out of Portland, Oregon, it's
• 16:42
  Speaker 1: voluntarily recalling one batch of his turkey recipe raw frozen
• 16:47
  Speaker 1: pet food after it was tested positive for the bird
• 16:52
  Speaker 1: flu virus. Did you hear about it? Did you hear
• 16:56
  Speaker 1: about how to detect immigration scams. To start on social
• 17:03
  Speaker 1: media well sima, d los Harris or harahs hr as.
• 17:12
  Speaker 1: If the Federal Trade Commission says scammers, maybe that's you
• 17:17
  Speaker 1: are impersonating attorneys and law firms offering immigration services on
• 17:21
  Speaker 1: social media. The post on Facebook and other platforms might
• 17:26
  Speaker 1: be in English or your preferred language. If you press
• 17:31
  Speaker 1: a like or leave a comment, they'll contact you and
• 17:33
  Speaker 1: guarantee you'll get a work permit, green card, or citizenship.
• 17:37
  Speaker 1: But it's a scam. How do you spot and avoid
• 17:42
  Speaker 1: the scammers? The elaborate scam often starts with an offer
• 17:46
  Speaker 1: to help you with immigration paperwork. Next, they'll ask you
• 17:49
  Speaker 1: to send them money using Western Union or Zel. In return,
• 17:54
  Speaker 1: they say they're supposed to get you an appointment with
• 17:57
  Speaker 1: the US Citizenship and Immigration Service. People who pay report
• 18:03
  Speaker 1: having virtual appointments on Zoom or What's App with a
• 18:08
  Speaker 1: USCIS officer in uniform, all part of the scam. The
• 18:14
  Speaker 1: truth Some immigration proceedings are now virtual, but applicants get
• 18:20
  Speaker 1: their appointments by mail or through their mind USCIS account,
• 18:25
  Speaker 1: never on messenger apps. You want to protect yourself and
• 18:31
  Speaker 1: others from immigration scams, go to USCIS dot gov for
• 18:36
  Speaker 1: legitimate immigration information. If you have a pending application or petition,
• 18:42
  Speaker 1: check your case status online. Recognize fake government websites even
• 18:49
  Speaker 1: if it pays looks legitimate if the address doesn't end
• 18:52
  Speaker 1: with dot gov, it's not a government website. And know
• 18:58
  Speaker 1: what types of payment you scis except for fouling fees.
• 19:03
  Speaker 1: Anyone who asks you to pay in a different way
• 19:07
  Speaker 1: is a scammer. And share it with others so that
• 19:11
  Speaker 1: others that help. Don't be selfish and just hold it
• 19:13
  Speaker 1: to yourself. Let's look at Brethren News. The Christian population
• 19:23
  Speaker 1: in areas governed by the Palestinian Authority in Hamas has
• 19:27
  Speaker 1: plummeted drassically by up to ninety percent in some communities.
• 19:33
  Speaker 1: A new study suggests attributing the decline to violence, discrimination,
• 19:39
  Speaker 1: and economic hardships that threaten US survival Christianity in historical heartland,
• 19:47
  Speaker 1: as reported by the Christian Posts. Oh and by the way,
• 19:52
  Speaker 1: you can hear challenges of favorite radio program on ATI
• 19:55
  Speaker 1: Fine now airing on Speaker Talks to you and iHeartRadio,
• 20:05
  Speaker 1: Amazon Music, Apple, Spotify, Potbean, Audible, Good Pods, YouTube. You
• 20:15
  Speaker 1: know I see many many of you going by YouTube
• 20:20
  Speaker 1: and tuning in the light budding, and you don't subscribe.
• 20:26
  Speaker 1: Take a moment to do that if you want to.
• 20:28
  Speaker 1: But the final scripture for the day is cast all
• 20:32
  Speaker 1: your anxiety on him because he cares for you. And
• 20:37
  Speaker 1: you can see that in One Peter chapter five, verse three.
• 20:44
  Speaker 1: First Peter, chapter five, verse three. Now I know you're
• 20:51
  Speaker 1: going to turn there for you, just for you.