Summary | Correct, Secure Site | Credit Cards | Other: Paypal, Bitcoin,... |
References: General | Amazon | Apple |
Crytocurrency, Bitcoin | Google | Payment, Credit | Paypal
Summary
- "Remote shopping, while entirely feasible,...
- [1] Use Correct, Secure Site / App
- [1] Protect Credit Card Info: store in password manager -- not browser, not vendor site
- Provide a temporary (instead of your actual) credit card number,
e.g., Apple Pay; Virtual Account Number (Citi), digital wallet,
privacy.com linked to debit card or checking account, with 1Password integration,
when possible, esp. for one-off purchases on smaller / lesser-known sites - [2] Consider other Forms of Payment, e.g., Paypal; [3] Cryptocurrency?
- References
[1] Use Correct, Secure Site / App
- Many of these already covered in other sections:
- Be sure to navigate to correct web site, esp. not via ads / impostor links
- Use HTTPS: for login & entering contact / payment details -- see section
- Clear purchase history on sites?
- If using an app, make sure it's authentic & up-to-date: app store, exact name, ratings, etc.
[1] Protect Credit Card Info
- Save credit card info in a password manager rather than browser -- more secure, sync across browsers/platforms
- macOS:
Safari > Preferences > AutoFill > Credit Cards: off
- iOS:
Settings > Safari > AutoFill > Credit Cards: off
- Avoid storing credit info on merchant site, if possible -- though some may require a card on file
- This should be less of an issue for major vendors, e.g., Amazon, Apple -- who can invest more on security
- If you misplace your card, you can lock your card with some credit card companies (and unlock it later when you find it).
- Check your credit card statements monthly, or more frequently, to detect fraudulent charges
- Enable account notifications (email/text) if supported, e.g.,
- for an international charge
- for an online, phone or mail charge
- for an amount over $x
- Check Apple Pay (or similar) settings, if applicable
- iPhone:
Settings > Wallet & Apple Pay
- iPhone:
Settings > Safari > Check for Apple Pay
- Rank credit cards by importance and impact; what happens if one is compromised?
- Use different credit cards for different purposes/sites, e.g., online only, regular automatic payments, one-time purchases with new vendors, etc.
- A single-use, virtual credit card number linked to a credit card (or bank account) provides additional security
- Virtual Account Numbers creates a temporary credit card # & security code; you set expiration date and credit limit; e.g., Citi not avail for Costco Visa apparently
- Bank of America formerly offered virtual card numbers via "ShopSafe", which has now been discontinued in favor of Digital Wallets?
- Check with your bank or credit card company
[2] Consider other Forms of Payment
- PayPal can be linked to checking account or credit card; vendor doesn't see credit card info
- Downsides: yet another account; does not provide same protection for contesting charges; may block some quasi-legal purchases, which use VPN or violate their definitions of copyright, decency, etc.
- Other services can be used to transfer cash, e.g., Square, Messenger, Venmo -- understand possible fees and consumer protections
- [3] Avoid cryptocurrency, e.g., Bitcoin
- Although a cryptocurrency might provide more anonymity and can be used to hide transactions, it's also unreliable, variable and hackable; also, definitely not an 'investment'
References
- {TCYOP-4: 106-109; TCYOP-3: 89-90}
- section: Refs: Amazon; Apple; Crytocurrency, e.g., Bitcoin; Google; Payment, e.g., credit card, money transfer; Paypal
- topics: Cyber Monday, E-commerce, GoFundMe, Google Play/Wallet, Square, Venmo
- Wikipedia: Online shopping; micropayment
- HowStuffWorks: How Electronic Payment Works; 5 Ways to Send Money Online
- Tips for Canceling Online Subscriptions
it's easy to sign up but not always so easy to stop a service.
F.T.C. is proposing rules to change that; NYT; 7/7/2023 - Canceling Online Subscriptions Is Confusing, Difficult and Absurd... by Design
many companies use tactics called "dark patterns" to make it difficult to cut ties; CNet; 4/4/2022 - Why the Internet Is Turning Into QVC
greed, fear and China; NYT; 11/14/2021 - How to Protect Yourself From Online Card Fraud
be wary of websites that offer brand-name goods at steep discounts;
credit cards have federally mandated protections; NYT; 10/22/2021 - How to cancel your account at Netflix, Amazon Prime, and others Verge; 1/15/2021
- It's Time to Audit Your Autopay Subscriptions average American spends $237 a month; LH; 10/9/2020
- How to Protect Yourself From the Newest Mobile Banking Malware LH; 6/11/2020
Amazon
- How to Download Everything Amazon Knows About You (It's a Lot) LH; 1/25/2022
- 10 Privacy Settings Every Amazon User Should Enable Right Now LH; 11/4/2021
- Life Without Amazon (Well, Almost) NYT; 12/29/2020
Apple
[3] Cryptocurrency, e.g., Bitcoin
- Wikipedia: Bitcoin; Cryptocurrency; Ethereum; Initial coin offering (ICO)
- HowStuffWorks: How Bitcoin Works
- What Is Blockchain? The Complete WIRED Guide Wired; 2/2/2023
- The Crypto Story: an in-depth look at crypto and blockchains
bitcoin and the underlying tech, the uses and meaning, the crypto financial system, and trust, money, and community; Bloom; 10/25/2022 - Here's what to know about "the Merge." NYT; 8/26/2022
- Ethereum's "Merge" is about to put every ether miner out of work
ambitious change from proof-of-work to proof-of-stake is expected to cut
energy consumption by a factor of 1,000; Ars; 8/19/2022 - Cryptocurrency tech is vulnerable to tampering, a DARPA analysis finds NPR; 6/21/2022
- How 'Trustless' Is Bitcoin, Really? blockchain leakage; NYT; 6/6/2022
- Understand Cryptocurrency, but Don't Invest in It TB; 4/20/2022
- NFTs Are a Privacy and Security Nightmare
the blockchain isn't as "anonymous" as you might think; Wired; 4/5/2022 - The Latecomer's Guide to Crypto
What are NFTs?: nonfungible tokens
What is web3?: internet services built using decentralized blockchains;
What are DAOs?: decentralized autonomous organizations;
What is DeFi?: decentralized finance;
NYT; 3/18/2022 - Maybe There's a Use for Crypto After All
Helium, a wireless network (for IoT) powered by cryptocurrency, hints at the practical promise of decentralized services; NYT; 2/6/2022 - Cracking a $2 Million Crypto Wallet Verge; 1/24/2022
- We All Need to Stop Only Seeing the Dark Side of Crypto
in some parts of the developing world, cryptocurrency is changing lives for the better; Wired; 12/19/2021 - Cryptocurrency faces a quantum computing problem
cracking public key cryptography; CNet; 11/12/2021 - Widely Used Bitcoin ATMs Have Major Security Flaws, Researchers Warn Giz; 9/30/2021
- Bitcoin Cosplay Is Getting Real NYT; 9/14/2021
- Crypto Banking and Decentralized Finance, Explained NYT; 9/5/2021
- The Brutal Truth About Bitcoin NYT; 6/14/2021
- Bitcoin and Encryption: A Race Between Criminals and the F.B.I. NYT; 6/12/2021
- New Rule: Crypto Mania! Real Time with Bill Maher (HBO); 4/30/2021
- Ars Technica's non-fungible guide to NFTs
is blockchain item authentication a speculative fad or a technological sea change? Ars; 3/29/2021 - Want to really understand how bitcoin works? Here’s a gentle primer Ars; 12/26/2020
- Cryptocurrency Hardware Wallets Can Get Hacked Too Wired; 5/18/2020
- Bitcoin Has Lost Steam. But Criminals Still Love It. NYT; 1/28/2020
Payment
- All the Ways Your Credit Card Info Can Be Stolen LH; 7/27/2023
- How to Look Up an Unauthorized Charge on Your Credit Card WhatsThatCharge.com; LH; 11/7/2022
- Why You Shouldn't Pay for Anything With Zelle LH; 10/7/2022
- Insomnia, addiction, depression: The dark side of life trading crypto WaPo; 4/29/2022
- The Easy Way I Protect My Credit Cards Online and Keep Free Trials Free privacy.com; NYT; 4/26/2022
- Fraud Is Flourishing on Zelle. The Banks Say It's Not Their Problem. NYT; 3/6/2022
- Venmo gets more private—but it's still not fully safe Ars; 7/25/2021
- Yes, You Should Be Using Apple Pay or Google Pay paying with a smartphone is actually more secure and more efficient than using a credit card; Wired; 11/7/2020
- How to Pay Using Virtual Credit Cards in 1Password each tied to a separate merchant -- linked to debit card or checking account (not credit card); one-off & recurring payments; can also use privacy.com directly w/o 1PW; LH; 9/24/2020
- How to Reduce Credit Card Fraud NYT; 6/8/2020
- Beware the Fees That Come With Some Money Transfers on Apps treated as cash advances, with interest accruing immediately? Paypal? Venmo? Square? NYT; 4/24/2020
- A Case for Paying With Your Phone NYT; 2/5/2020
- How to Use Up the Last Few Dollars on a Prepaid Gift Card buy an Amazon e-gift card for the exact amount on the Visa gift card; LH; 2/4/2020
- How Scammers Can Use Your Old Credit Card Numbers use only 1 credit card (or virtual cards) for online purchases; LH; 1/6/2020