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GOLD! Take Your Computer Security Seriously! YOU Are At Risk!

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eliquid

( Jason Brown )
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Went through this thread so many times. Instead of taking any preventive measures, I bashed it off:

"Nah. It won't be me".
"BS. I'm a power user."
"Screw all this victims."

Now, I have to start my 2k Likes Facebook Page from scratch.
I too thought this years ago.

Luckily I have never "lost" anything like a site or page or something else. But over the years as I got more and more emails from great services that blocked attempts from someone else logging into my account from odd geo locations, wrong passwords, etc and blocked my account, I became concerned.

A couple times a year, I might write that off as "expected".

A couple times a month, is something totally different.

Data is being stolen and shared much more now than 3-4 years ago. It's just going to get worse.

Just a couple days ago, I got an email where someone tried to log into a crypto account I never used. They used the wrong password enough times to block the account. Again, I got lucky. But what about the weaker sites that don't block attempts, or don't warn you about it?

What about the sites they do get into and you never know about it?

I finally had to cave and just accept that being a Power User, "it wont happen to me", etc just isn't good enough. The weak chain in the link isn't you or me, it's sadly the banks and 3rd parties we work with.

And once that data is grabbed, it's shared on the web with millions having the potential to look at it. Then it's re-shared hundreds of times more. There is no defense for that other than trying to make it harder on criminals by changing passwords ( front end attacks ) and freezing credits ( back end attacks ), etc.

A lock on a bike just keeps an honest person, honest. If someone really wants your data, nothing will stop them. All we can do is try to keep the lower level criminals at bay with our methods.

.
 

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Last edited:

ApparentHorizon

Platinum Contributor
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Take other people's security with your information seriously, as well.

I just found out about Privacy.com, where you can get virtual credit cards. If one of them gets compromised, just shut it down and create a new one. Instead of waiting for one from your bank, then having to change all of your automatic payments on 20 different sites.

Downside is the rewards suck/non-existent.

But if you're buying a couple of things here and there, that are only on non-verified sites, this is great. Ex. Website plugins.
 

eliquid

( Jason Brown )
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a few days ago I went to the bank.

i have a habit of checking my balance on my cell phone via their secure app at my bank so I know whats in the account before I go in. I tried to log in and it said no user was found with that username and password. I tried a few more times thinking I did the password wrong. Still nothing.

i finally reset the password and was able to get in and do what I needed at the bank.

when i got home, i logged in from my desktop to see what was up potentially. Same error again when I tried to log in now from home.

had to reset the password yet again.

once able to get in, i roamed the security settings and found out a linux device had been logging into my account daily 3-4 times a day at the same exact times every day for the past 90 days. It could have been more but the logs only went 90 days back.

I dont use linux to log into stuff, but I do use it on development servers I have. by the timestamps being the same, it looked like some cron job script was running and logging into my account. I checked the ach/wire/widthdrawl logs and nothing ever came out of my account ever. I do check balances a lot so I know nothing came out I seen before. Could it be some long forgotten app like quicken or mint or something else accessing my account I forgot about years ago? Maybe..

I changed my username and password and pin and have checked every day since and the linux machine is no longer logging in.

I have also had my credit frozen/paused/on hold for months now so I know I am good there too.

I've never gotten a login error before, but it just reaffirms what I have put in this thread before about changing not only passwords, but usernames too and how it isn't really me and you that are the security issue, but possibly other 3rd parties that have our data.

And yes, Im one of those people using VPN's for secure data transfer when I am out and about in public and have all the security settings and more in use to prevent people trying to see my data when I leave the house.

.
 

tommyz7

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Posts here are quite old but I wonder if any of you guys would consider crypto as a solution. Hear me out.

Long story short:
You can use a hardware wallet with USD stable coin and spend money directly from that wallet. This separates money management from your computer and removes the risk of viruses, unauthorized transactions etc.

I wonder if all website accepted crypto USD as they accept CC payments, would you guys use it for its superior security? Would you guys pay with USD using the crypto wallet in day to day life?


Long story for those not familiar with crypto.

The device - let's call it a wallet :)
33514
You can connect it to your phone or computer with Bluetooth. It works right away like a headset.

How do I transfer USD to my wallet?
Ask someone to send you USD directly from their wallet. Alternatively, you can go to currency exchange like Uphold and exchange your bank USD to digital USD. and transfer USD to your wallet. This process is like going to ATM and depositing cash into your account, only digital. From now on, you are the only person in the world that can access and spend this money. I mean it, no hacker, no bank, no government can take it. They really can't, I know because they tried many times already :)

How can I spend the money?**
You go to any website and do your shopping as usual. At checkout, you connect your wallet to your computer. A payment request will be automatically sent to your wallet, check the amount, and confirm if everything is ok. That's it, paid, done.

What if I have a Virus on my computer?
The approval process happens inside the device so even if you have a virus on your computer, it cannot pull your key from the device. It's never recommended but you can use it on a computer with a virus present with no worries.

What if someone steals my wallet like they do with Credit Cards?
With this particular wallet, it's impossible as your wallet key is stored on the device itself and it never leaves it. It's never sent to a merchant nor to your computer so there is nothing to steal. Without that key, your money cannot be accessed.

What if I lose my wallet?
When you start the wallet for the first time, you need to write down 12 random words that the wallet generates for you. This is your way to recover the wallet if you lose a physical device. Keep them on paper in a safe place just in case! Remember, on paper, it's impossible to hack paper :)

No 2 factor authentication?
The wallet itself is already 2 factor authenticator itself. Forget SMS, emails. It's already proven you can hack accounts even with 2FA enabled so why bother.

What about passwords?
Ahh, passwords, forget about passwords, you no longer need them. You can set a PIN for your wallet if you want, tho.

It's all already available except spending.
**that part is still missing from the puzzle.

Again, I wonder if all website accepted crypto USD as they accept CC payments, would you guys use it for its superior security? Would you guys pay with USD using the crypto wallet in day to day life?
 

Lyinx

Bronze Contributor
FASTLANE INSIDER
I've Read UNSCRIPTED
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Oct 28, 2019
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Lancaster County, PA
Posts here are quite old but I wonder if any of you guys would consider crypto as a solution. Hear me out.

Long story short:
You can use a hardware wallet with USD stable coin and spend money directly from that wallet. This separates money management from your computer and removes the risk of viruses, unauthorized transactions etc.

I wonder if all website accepted crypto USD as they accept CC payments, would you guys use it for its superior security? Would you guys pay with USD using the crypto wallet in day to day life?


Long story for those not familiar with crypto.

The device - let's call it a wallet :)
View attachment 33514
You can connect it to your phone or computer with Bluetooth. It works right away like a headset.

How do I transfer USD to my wallet?
Ask someone to send you USD directly from their wallet. Alternatively, you can go to currency exchange like Uphold and exchange your bank USD to digital USD. and transfer USD to your wallet. This process is like going to ATM and depositing cash into your account, only digital. From now on, you are the only person in the world that can access and spend this money. I mean it, no hacker, no bank, no government can take it. They really can't, I know because they tried many times already :)

How can I spend the money?**
You go to any website and do your shopping as usual. At checkout, you connect your wallet to your computer. A payment request will be automatically sent to your wallet, check the amount, and confirm if everything is ok. That's it, paid, done.

What if I have a Virus on my computer?
The approval process happens inside the device so even if you have a virus on your computer, it cannot pull your key from the device. It's never recommended but you can use it on a computer with a virus present with no worries.

What if someone steals my wallet like they do with Credit Cards?
With this particular wallet, it's impossible as your wallet key is stored on the device itself and it never leaves it. It's never sent to a merchant nor to your computer so there is nothing to steal. Without that key, your money cannot be accessed.

What if I lose my wallet?
When you start the wallet for the first time, you need to write down 12 random words that the wallet generates for you. This is your way to recover the wallet if you lose a physical device. Keep them on paper in a safe place just in case! Remember, on paper, it's impossible to hack paper :)

No 2 factor authentication?
The wallet itself is already 2 factor authenticator itself. Forget SMS, emails. It's already proven you can hack accounts even with 2FA enabled so why bother.

What about passwords?
Ahh, passwords, forget about passwords, you no longer need them. You can set a PIN for your wallet if you want, tho.

It's all already available except spending.
**that part is still missing from the puzzle.

Again, I wonder if all website accepted crypto USD as they accept CC payments, would you guys use it for its superior security? Would you guys pay with USD using the crypto wallet in day to day life?
Isn't this basically 2FA with a USB/smart key? you could do the same thing with a credit card and a smart USB key?

I don't carry a wallet on me (I have a shop on my property) so when I go to buy something online, I have all my accounts setup online or if I need my credit card info, it's written on a paper in my desk.

I get an email for every transaction, if I don't recognize it I would deny the transaction in near-real time.

Even my business credit cards all have emails print out within seconds of being processed, just in case they ever get stolen so I don't get a shock at the end of the week.

I hope my cards never get stolen, but I'm realistic, it's just a matter of time until I have a bad actor website that shares the info. If/when that happens, I'll be on it and deny the charges and they will have problems with my card company.

Much more convenient than having to plug/unplug, but I do see the benefits.
 

tommyz7

New Contributor
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Read Millionaire Fastlane
I've Read UNSCRIPTED
Jun 30, 2018
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Isn't this basically 2FA with a USB/smart key? you could do the same thing with a credit card and a smart USB key?

I don't carry a wallet on me (I have a shop on my property) so when I go to buy something online, I have all my accounts setup online or if I need my credit card info, it's written on a paper in my desk.

I get an email for every transaction, if I don't recognize it I would deny the transaction in near-real time.

Even my business credit cards all have emails print out within seconds of being processed, just in case they ever get stolen so I don't get a shock at the end of the week.

I hope my cards never get stolen, but I'm realistic, it's just a matter of time until I have a bad actor website that shares the info. If/when that happens, I'll be on it and deny the charges and they will have problems with my card company.

Much more convenient than having to plug/unplug, but I do see the benefits.
I'd say it's more like having a whole swiss bank in your pocket, not just 2FA :)

The above is just one of the possible solutions. Similarily as you have your credit cards setup, you could set up a crypto wallet in your browser or phone and pay wherever you want. The above example is the ultimate security but you can trade a little bit of that for a little bit of convenience with a mobile wallet.

The big difference is that with credit cards, you are being reactive. You are basically sitting and waiting to be attacked because that's how credit cards are designed. Every time you shop, you open access to your account and nothing can be done about that. With crypto wallets, however, you are being proactive. No one ever can access your account except you and payments do not expose your security. You pay it like good old cash, just digital.
 

Lyinx

Bronze Contributor
FASTLANE INSIDER
I've Read UNSCRIPTED
Speedway Pass
Oct 28, 2019
193
234
150
Lancaster County, PA
you might like this Privacy — Seamless & Secure Online Card Payments
it lets you set up single or multiple use credit cards, which pull $$$ from your regular banking account like a regular credit card... but you can turn it off whenever you feel like it :)
each card can be setup for one vendor
or you can set up a miscellaneous use card for one of the children with a maximum spend of $25/month for purchases.
Really weird, I went unto Amazon last night and this device that you had on your post showed up in my suggested field
 

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