Tag: Internet

Does the Internet need its own version of credit bureaus

Data Miners love data. The more data they have the better model they can build. Consumers do not love data so much and find sharing data generally a cumbersome task. They need to be incentivize for filling out survey forms , and for signing to loyalty programs. Lawyers, and privacy advocates love to use examples of improper data collection and usage as the harbinger of an ominous scenario. George Orwell’s 1984 never “mentioned” anything about Big Brother trying to sell you one more loan, credit card or product.

Data generated by customers is now growing without their needing to fill out forms and surveys. This data is about their preferences , tastes and choices and is growing in size and depth because it is generated from social media channels on the Internet.It is this data that can be and is captured by social media analytics.

Mobile data is also growing, including usage of location based applications and usage of Internet from the mobile phone is leading to further increases in data about consumers.Increasingly , location based applications help to provide a much more relevant context to the data generated. Just mobile data is expected to grow to 15 exabytes by 2015.

People want to have more and more conversations online publicly , share pictures , activity and interact with a large number of people whom  they have never met. But resent that information being used or abused without their knowledge.

Also the Internet is increasingly being consolidated into a few players like Microsoft, Amazon, Google  and Facebook, who are unable to agree on agreements to share that data between themselves. Interestingly you can use Yahoo as a data middleman between Google and Facebook.

At the same time, more and more purchases are being done online by customers and Internet advertising has grown much above the rate of growth of other mediums of communication.
Internet retail sales have the advantage that better demand predictability can lead to lower inventories as retailers need not stock up displays to look good. An Amazon warehouse need not keep material to simply stock up it shelves like a K-Mart does.

Our Hypothesis – An Analogy with how Financial Data Marketing is managed offline

  1. Financial information regarding spending and saving is much more sensitive yet the presence of credit bureaus alleviates these concerns.
  2. Credit bureaus collect information from all sources, aggregate and anonymize the individual components accordingly.They use SSN as a unique identifier.
  3. The Internet has a unique number too , called the Internet Protocol Address (I.P) 
  4. Should there be a unique identifier like Internet Security Number for the Internet to ensure adequate balance between the need for privacy as well as the need for appropriate targeting? 

After all, no one complains about privacy intrusions if their credit bureau data is aggregated , rolled up, and anonymized and turned into a propensity model for sending them direct mailers.

Advertising using Social Media and Internet

https://www.facebook.com/about/ads/#stories

1. A business creates an ad
Let’s say a gym opens in your neighborhood. The owner creates an ad to get people to come in for a free workout.
2. Facebook gets paid to deliver the ad
The owner sends the ad to Facebook and describes who should see it: people who live nearby and like running.
The right people see the ad
3. Facebook only shows you the ad if you live in town and like to run. That’s how advertisers reach you without knowing who you are.

Adding in credit bureau data and legislative regulation for anonymizing  and handling privacy data can expand the internet selling market, which is much more efficient from a supply chain perspective than the offline display and shop models.

Privacy Regulations on Marketing using Internet data
Should laws on opt out and do not mail, do not call, lists be extended to do not show ads , do not collect information on social media. In the offline world, you can choose to be part of direct marketing or opt out of direct marketing by enrolling yourself in various do not solicit lists. On the internet the only option from advertisements is to use the Adblock plugin if you are Google Chrome or Firefox browser user. Even Facebook gives you many more ads than you need to see.

One reason for so many ads on the Internet is lack of central anonymize data repositories for giving high quality data to these marketing companies.Software that can be used for social media analytics is already available off the shelf.

The growth of the Internet has helped carved out a big industry for Internet web analytics so it is a matter of time before social media analytics becomes a multi billion dollar business as well. What new developments would be unleashed in this brave new world is just a matter of time, and of course of the social media data!

Ads Alliance on Internet

Just saw

the Digital Advertising Alliance’s (DAA) Self-Regulatory Program for Online Behavioral Advertising.

Multi-Site Data Collection Principles Broaden Self Regulation Beyond Online Behavioral Advertising
WASHINGTON, D.C., NOVEMBER 7, 2011

The new Principles consist of the following specific requirements:

  1. Transparency and consumer control for purposes other than OBA – The Multi-Site Data Principles call for organizations that collect Multi-Site Data for purposes other than OBA to provide transparency and control regarding Internet surfing across unrelated Websites.
  2. Collection / use of data for eligibility determination – The Multi-Site Data Principles prohibit the collection, use or transfer of Internet surfing data across Websites for determination of a consumer’s eligibility for employment, credit standing, healthcare treatment and insurance.
  3. Collection / use of children’s data – The Multi-Site Data Principles state that organizations must comply with the Children’s Online Privacy Protection Act (COPPA).
  4. Meaningful accountability – The Multi-Site Data Principles are subject to enforcement through strong accountability mechanisms.

http://www.aboutads.info/principles

The DAA Self-Regulatory Principles

 

The cross-industry Self-Regulatory Principles for Multi-Site Data augment the Self-Regulatory   Principles for Online Behavioral Advertising  (OBA)  by covering the prospective  collection of Web site   data beyond that collected for OBA purposes.  The existing OBA  Principles and definitions  remain in   full force and effect and are not limited by the new  principles.

The cross-industry Self-Regulatory Principles for Online Behavioral Advertising was developed by   leading industry associations to apply  consumer-friendly standards to online  behavioral advertising  across the Internet. Online behavioral advertising increasingly supports the convenient access to  content, services, and applications over the Internet that consumers have come to expect at no cost   to them.

The Education Principle calls for organizations to participate in efforts to educate individuals and businesses about online behavioral advertising and the Principles.

The Transparency Principle calls for clearer and easily accessible disclosures to consumers about data collection and use practices associated with online behavioral advertising. It will result in new, enhanced notice on the page where data is collected through links embedded in or around advertisements, or on the Web page itself.

The Consumer Control Principle provides consumers with an expanded ability to choose whether data is collected and used for online behavioral advertising purposes. This choice will be available through a link from the notice provided on the Web page where data is collected.

The Consumer Control Principle requires “service providers”, a term that includes Internet access service providers and providers of desktop applications software such as Web browser “tool bars” to obtain the consent of users before engaging in online behavioral advertising, and take steps to de-identify the data used for such purposes.

The Data Security Principle calls for organizations to provide appropriate security for, and limited retention of data, collected and used for online behavioral advertising purposes.

The Material Changes Principle calls for obtaining consumer consent before a Material Change is made to an entity’s Online Behavioral Advertising data collection and use policies unless that change will result in less collection or use of data.

The Sensitive Data Principle recognizes that data collected from children and used for online behavioral advertising merits heightened protection, and requires parental consent for behavioral advertising to consumers known to be under 13 on child-directed Web sites. This Principle also provides heightened protections to certain health and financial data when attributable to a specific individual.

The Accountability Principle calls for development of programs to further advance these Principles, including programs to monitor and report instances of uncorrected non-compliance with these Principles to appropriate government agencies. The CBBB and DMA have been asked and agreed to work cooperatively to establish accountability mechanisms under the Principles.

 

Ajay- So why the self regulations?

Answer- Shoddy Maths in behaviorally targeted ads is leading to a very high glut in targeted ads, more than can be reasonably expected to click based on consumer spending. On the internet- unlike on television- cost is less of a barrrier to OVER ADVERTISING.

 

Free Tibet

We should all ask China to free Tibet because of the following reasons-

10 Reasons to Free Tibet

1) Replace a system of governance which is giving 12% GDP growth with a 1000 year old belief that one old guy is really a reincarnation of GOD

2) Because it is a romantic idea

3) The average Tibetan is much better economically than most other countries in Asia and Africa. Still freedom is messy- Donald Rumsfield.

4) So we can sell beer, Facebook ads, Internet Pornography to Tibetans which do not have the liberty to do so currently

5) So we can explore that area for mining and minerals

6) Damn it. We need one more ally for the free world. So we can invade more non free countries.

7)  Tibetans girls are hot.

8) Dalai Lama is cool. and he doesnot charge by the hour unlike other yoga Gurus.

9) We need to encircle China just like we did in the 19th Century and Opium Wars

10) So artists like Ai Wei Wei can blog freely

1 Reason not to Free Tibet

1) Tibetans want to be free. If we give them democracy- they will be disappointed to know that the bullets just get replaced by the pepper spray. How silly is that? The desire to be free- when there is no such thing as free anymore.

(This was an article in Sarcasm and meant as literary and not a pseudo-intellectual political article. I have no training in Politics. For details see http://en.wikipedia.org/wiki/Sarcasm

Google Apps Terms of Use- Termination

TERMINATION
You may discontinue your use of Google services at any time. You agree that Google may at any time and for any reason, including a period of account inactivity, terminate your access to Google services, terminate the Terms, or suspend or terminate your account. In the event of termination, your account will be disabled and you may not be granted access to Google services, your account or any files or other content contained in your account. Sections 10 (Termination), 13 (Indemnity), 14 (Disclaimer of Warranties), 15 (Limitations of Liability), 16 (Exclusions and Limitations) and 19 (including choice of law, severability and statute of limitations), of the Terms, shall survive expiration or termination.

Source-

http://www.google.com/apps/intl/en/terms/user_terms.html

Related-

 

https://www.youtube-nocookie.com/v/BcxRfg96dTQ?version=3&hl=en_US&rel=0

 

Occupy the Internet

BORN IN THE USA

Continue reading “Occupy the Internet”

Secure Browsing from Mobile and PC ( Tor ,PeerNet, WasteAgain)

While Tor remains the tool of choice with pseudo-techie hacker wannabes , there is enough juice and smoke and mirrors on the market to confuse your average Joe.

For a secure browsing experience on Mobile – do NOT use either Apple or Windows OS

Use Android  and this app called Orbot in particular

Installing Tor with a QR code

Orbot is easy to install by simply scanning the following QR code with your Android Barcode scanner.

Android QR code

Installing Tor from the Android Market

Orbot is available in the Android Market.

ENTER PEERNET

If you have a Dell PC, well just use PeerNet to configure and set up your own network around the neighbourhood. This is particularly applicable if you are in country that is both repressive and not so technologically advanced. Wont work in China or USA.

http://support.dell.com/support/edocs/network/p70008/EN/vista_7/peernet.htm

What is a peer network?

A peer network is a network in which one computer can connect directly to another computer. This capability is accomplished by enabling access point (AP) functionality on one of the computers. Other computers can then connect to this computer in the same way that they would connect to a physical AP. If Internet Connection Sharing is enabled on the computer that has the AP functionality, computers that connect to that computer have Internet connectivity as well.

A basic peer network, which requires no networking knowledge or experience to set up, should meet the needs of most home users and small businesses. By default, a basic peer network is configured with the strongest available security (see How do I set up a basic peer network?).

For users who are familiar with wireless networking technology, advanced configuration features are available to do the following:

• Change security settings (see How do I configure my peer network?)
• Choose which method (push button or PIN) computers with Wi-Fi Protected Setup™ capability can join your peer network (see How do I allow peer devices to join my peer network using Wi-Fi Protected Setup technology?)
• Change the DHCP Server IP address (see How do I configure my peer network?).
• Change the channel on which to operate your peer network (see How do I configure my peer network?)

 If you are really really in a need for secure browsing (like you are maybe a big hot shot in the tech world), I suggest go over to VMWare

http://www.vmware.com/products/player/

create a seperate Linux (Ubuntu for ease) virtual disc, then download the Tor Browser Bundle from

https://www.torproject.org/projects/torbrowser.html.en for surfing and a Peernet (above) or  a prepaid one time use disposable mobile pre-paid wireless card. It is also quite easy to delete your virtual disc in times of emergencies (but it is best to use encryption even when in Ubuntu https://help.ubuntu.com/community/EncryptedHome)

IRC chat is less secure than you think it is thanks to BOT  Trawlers- so I am hoping someone in the open source community updates Waste Again for encrypted chats http://wasteagain.sourceforge.net/

What is “WASTE again”?

“WASTE again” enables you to create a decentralized and secure private mesh network using an unsecure network, such as the internet. Once the public encryption keys are exchanged, sending messages, creating groupchats and transferring files is easy and secure.

Creating a mesh

To create a mesh you need at least two computers with “WASTE again” installed. During installation, a unique pair of public and private keys for each computer is being generated. Before the first connection can be established, you need to exchange these public keys. These keys enable “WASTE again” to authenticate every connection to other “WASTE again” clients.

After exchanging the keys, you simply type in the computers IP address to connect to. If that computer is located behind a firewall or a NAT-router, you have to create a portmap first to enable incoming connections.

At least one computer in your mesh has to be able to accept incoming connections, making it a “public node”. If no direct connection between two firewalled computers can be made, “WASTE again” automatically routes your traffic through one or more of the available public nodes.

Every new node simply has to exchange keys with one of the connected nodes and then connect to it. All the other nodes will exchange their keys automatically over the mesh.