Private Content Thought Deleted Before Posting is Often Saved Anyway

Growing up, you may have been warned by parents and teachers that if you did something bad, it would end up on your "permanent record." Of course, eventually, you found out that such a record doesn't actually exist... at least not in a physical format. Most people are aware that everything you do or say online stays around forever. Even if you delete something, there's almost always a way for a tech-savvy researcher to dig up an old post or shared picture. However, what might come as a surprise to most internet users, as explained in Drew Harwell's L.A. Times article, is that many websites record words typed and images uploaded, even if you delete the content before it ever gets posted.

Many social media users have been in a situation where they were preparing a scathing review or an angry post, then decided to not post it at all, whether for personal or business concerns. Even though they deleted the words they had typed, and never approved the post to go out to their friends and followers, social media platforms (Facebook in particular) save what was deleted"until it is no longer necessary to provide our services and Facebook Products, or until your account is deleted." While it is unnerving to find out that the thoughts and pictures you believed were private were actually being stored on Facebook's servers, some might consider the privacy issue to be not too concerning. However, when Facebook recently accidentally exposed millions of those undeleted photos to third-party apps (not the first of their privacy faux pas this year), their customers were justifiably upset.

It's more than just social media sites that are gathering information you didn't intend to give them. Some online chat services for customer service (LiveAgent for example), show the responder a real-time view of what the customer is typing. These companies claim that this allows responders to more quickly reply to questions, yet they don't inform their users of what some might consider a breach of their privacy. If you knew that every word you typed could be seen, not just the ones you sent, you would probably be more careful with everything you write. I know I would.

According to research done at Princeton University, there are hundreds of websites that record all of the mouse movements and keystrokes made by a user while on the site. This could give companies and cybercriminals access to all kinds of personal and sensitive information, from passwords to credit card numbers. Such websites included WordPress, LiveJournal, and Spotify, among many others. The research couldn't conclusively determine whether a specific website actually had a record of the user's actions; it only showed that the sites had the ability to make such a record.

Not all websites and social media platforms fall into this category. Snapchat, for example, saves an unset message for 24 hours before deleting it completely, but during that time, the content is saved in an encrypted form that can't be accessed without the decryption key, which is only accessible if the message is actually sent. Platforms like Twitter and Instagram will save messages and images in drafts until the user chooses to post, but the content is saved locally, to the user's device, and is never uploaded to the platforms' servers. You should just be aware that in this day and age, everything you do on a computer (or even on a mobile device) could be recorded, saved, and possibly released to the wrong audience. As usual, be mindful with what you post online, and even be careful with content that you don't ever plan on revealing to the public.

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Amazon's In-Car Delivery Proposal is a Huge Risk Amid Privacy Concerns

Even in the midst of widespread concern among consumers about their private information and how corporations might be able to use it, Amazon has a brand new delivery feature that they are looking to offer. The feature essentially boils down to this: on specific models of cars (especially those built in 2015 or later), if given permission by the consumer, Amazon deliverers would be able to deliver packages straight into the trunk of a car parked anywhere. David Pierson and Tracey Lien's article in the L.A. Times outlines some of the positive and negative aspects of such a proposed service.

In this modern age, many consumers like features like the one Amazon is proposing because it can make life easier. They don't have to make sure to be home for a delivery, boxes don't get left on a porch, and generally, their deliveries are safer and better protected. Many consumers also like to integrate as much technology into the experience as possible and would value the ability to order something from the road and have it appear in the trunk of their car a day or two later. The move is also good for Amazon because it brings their consumers tighter into the Amazon network, making them more likely to choose to shop with Amazon again in the future.

On the other hand, especially in the aftermath of the Facebook/Cambridge Analytica data scandal, many consumers are wary of giving companies more of their personal private information. It is well-known that Amazon makes money off of selling the data of their customers. They sell advertisement space based on what a customer had searched for on their site in the past. With the integration of in-car delivery, Amazon could also track physical locations, length of time at those locations, and how often the consumer goes to those locations. All of that data is useful to Amazon and its advertising customers, but its also something that most consumers don't want companies to have access to.

Amazon is taking a big risk with this and other somewhat invasive delivery features like in-house delivery. If they're able to become an industry standard before the government gets involved, they could avoid being blocked by regulations. But, if they fail to win over consumers, they could be the reason for even stricter regulations. Amazon, just like other large companies, wants to get as much access to as many lives as possible. The more information they have, the more they are able to adjust their marketing to keep consumers even more involved. It's an endless cycle that locks customers in for life.

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LAX to Allow Select Passengers to Check-in Using Fingerprints or Iris Scans

In this day and age, partly due to continually advancing technological innovation, the ability to avoid time-wasting activities like waiting in lines has become a necessity for many consumers. People value their free time and want to save as much of it as possible for activities they enjoy. For example, when people fly in an airplane, whether for their job or on their way to a vacation, they don't enjoy how long it takes to make their way through security and check-in lines. Fortunately for many, according to Hugo Martin's L.A. Times article, passengers leaving from Los Angeles International Airport may soon have the option to speed through check-in using iris scans and/or their fingerprints.

Depending on the type of flight and time of year, it can take anywhere from 20 minutes to 2 hours (or sometimes even more) for a passenger to get all the way through check-in and security before they are finally able to get to their boarding gate. For many people, especially the more affluent travelers and people who travel often for business, it can be worthwhile to pay a fee to get through security faster. Well, a company called Clear just installed new kiosks at LAX that allow passengers to use biometric markers to get through security. The service is membership based and costs $179 per year so it would be the best deal for frequent fliers.

Clear already has connections to 22 airports and 6 sports arenas around the country, so LAX is not their first foray into the world of biometrics. Accounts can be easily made at one of the kiosks by scanning a government-issued form of identification, answering some questions, and having one's iris and fingerprints scanned. After the short process to set up the account, check-in becomes faster and much more convenient. When using Clear to check-in, passengers get to interact with Clear employees (LAX has approximately 90 such individuals), bypassing most of the line and moving directly to the X-ray portion of security.

Clear may be one of the biggest presences in the field of biometric security, but other companies are beginning to get in on the industry, as it is likely to keep growing in the years to come. Jet Blue and Delta have begun using facial recognition and fingerprint scanning for the checking in of some of their premium passengers. Not only does scanning someone's fingerprints take much less time and is more convenient than classic methods, it can also be a more secure method. If biometric check-in were to become mainstream, wanted suspects would potentially be unable to get through security without raising an alarm, because their fingerprints and iris scans would be in the system.

However, that can also raise the question of privacy concerns. What will the companies do with all of that biometric information if this practice became mainstream? Would the police be able to get a subpoena for someone's fingerprint scans if they are a suspect in a crime? Many potential issues could arise from the integration of biometrics into security protocol, but many benefits are inherent as well. For now, it is only being used by a subset of passengers as a way to save time and make life more convenient. Everything else is too far in the future to know definitively now.

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Google Aims to use Targeted Advertisements to Boost Both In-Store and Online Shopping

Most people who use the internet, especially for online shopping, have noticed at some point that the advertisements that appear on web pages they visit tend to relate to items they have been looking to buy. It is one of the ways that Google makes revenue, by selling advertising space and targeting the advertisements at those consumers most likely to be swayed by them. By correlating the number of clicks on an advertisement to the actual items purchased online by consumers, Google is able to show online retailers that their advertisements are the right choice.

Similarly, Google seems to be looking to move into the non-digital marketplace. According to an article by the Associated Press of the L.A. Times, Google is looking into a new service that will track how much consumers spend in brick and mortar stores after clicking on advertisements related to those purchases. However, it will only be able to correlate the information to stores, not to specific items purchased at the stores, which may not be enough information for some advertisers.

By determining how ad clicks are connected with actual purchases, Google can help advertisers to determine whether their ads are a waste of money or actually useful. If the data is convincing enough, it could be beneficial to both Google and the advertisers it is contracted by. If advertisers see how well their ads work, they are more likely to increase their advertising budget, thus generating more revenue for the retailer and more income for Google. The main problem, however, seems to be the loss of privacy inherent in this kind of data tracking.

Already, Google has digital dossiers on everyone who uses their online services. They know what people search for, what people shop for, and even the types of videos people watch on social media. Using that information, they can create targeted ads that are directed at the proper demographics. This new system just seems to be an expansion of that concept. There are precautions in place, fortunately. The system is expected to run in a "double-blind" manner, which means Google receives personal information that credit card companies and merchants don't, while the credit card company receives information that Google doesn't. Additionally, it won't be able to gather information on cash transactions and about 30% of credit card transactions. Advertisements have the ability to help all involved parties in that they can point customers toward products they want and provided added demand on products for retailers. The main question: is the loss of privacy worth the added benefits of the ads?

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ZestFinance to Use Search Data in Calculating Credit Scores

Traditionally, a credit profile is derived by looking at a potential borrower's history of paying back loans. Whether from car loans, credit card usage, or a mortgage on a home, the more an individual can show that they have paid back borrowed money in the past, the lower their interest rate will be on a new loan. However, there is the issue of the Catch-22 of credit: without any credit history, it is very difficult to get your first loan on the path to a good credit profile. Some companies have started including monthly rent payments in their calculations. In partnership with Chinese search engine Baidu, Hollywood credit firm ZestFinance will be using a potential borrower's internet search and shopping history to calculate their credit score, as described in James Rufus Koren's L.A. Times article.

Nontraditional means have been used in the past to calculate a potential borrower's credit, especially when that borrower has never borrowed money, but this will be the first time using search data. ZestFinance has focused on borrowers with little credit history from the very beginning and is confident that the sheer size of Baidu's engine will make them succeed where no one has ever dared venture before. The company will be breaking out in both the US and China, underwriting loans through the companies Basix and JD.com, respectively.

In addition to using the search data in calculating credit profiles, behavioral data gained from analyzing search history can help the company to avoid fraudulent customers. With enough data, ZestFinance believes they will be able to statistically determine the likelihood of a borrower paying back their loan in a certain time frame. One example they give is that for some reason, potential borrowers who fill out their loan application with proper capitalization are more likely to pay back their loan than a borrower who writes in all capital letters. They aren't sure exactly why this correlation exists, but they believe that enough research will enable them to create fair assessments of a borrower's credit profile.

Some believe that this system will be unfair, because how can anyone really tell if someone will pay back a loan based on what they look up online? However, if this is the system that enables the majority of those people who were previously refused loans to start down the road to good credit, then it may be worth it. In fact, ZestFinance believes their system will be fairer than current non-traditional calculations in that it can allow people with no credit history to have a decent interest rate, whereas before, they had to choose between paying exorbitant rates or missing out completely on the chance to develop their credit profile. As Douglas Merrill, a ZestFinance executive, says, three out of four Chinese citizens lack the financial history to have a fair credit profile. In exchange for a small, carefully limited, loss of privacy, credit could be gained more easily by everyone, and for most, that's a pretty simple trade.

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