[HN Gopher] TeleSign profiles half of the world's mobile phone u...
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       TeleSign profiles half of the world's mobile phone users
        
       Author : puresick
       Score  : 167 points
       Date   : 2023-07-07 08:50 UTC (14 hours ago)
        
 (HTM) web link (noyb.eu)
 (TXT) w3m dump (noyb.eu)
        
       | lxe wrote:
       | Is there any legal way to obtain your _own_ data from these
       | companies? Does the US have any law that compels them to provide
       | my own data they have on me and any derivative scores they
       | calculate from it?
        
         | humanistbot wrote:
         | California does, but not federally.
        
           | lxe wrote:
           | So as a California resident, I can request data from them
           | under CCPA? According to this:
           | https://oag.ca.gov/privacy/ccpa#sectionc, yes?
        
             | zie wrote:
             | Assuming they do business in CA, so CA law applies, yes.
             | That doesn't mean they comply with the law, and as far as I
             | know, enforcement is mostly still on a ya, sure we will get
             | around to it someday attitude.
             | 
             | So, just because you can in theory, doesn't mean you can in
             | practice. Let us know how it works out for you!
        
         | rsync wrote:
         | "Is there any legal way to obtain your own data from these
         | companies?"
         | 
         | Of course there is: sign up and use their API.
         | 
         | For many years I had the "Ekata Reverse Phone" API enabled in
         | my Twilio account which allowed me, for 8 cents or something,
         | to query a phone number and see subscriber history, "related
         | subscribers", address history, etc.
         | 
         | Kind of a neat party trick.
         | 
         | It also allowed me to verify and re-verify that the fictional
         | nyms my SIM cards and phone numbers belong to have almost zero
         | history or identification ...
        
           | foo-bar-bat wrote:
           | Thanks for posting this here. Does does like neat party
           | trick.
           | 
           | I got randomly assigned a "troubled" phone number once. It
           | was a PITA. It should probably be illegal for phone companies
           | to recycle numbers from old users with certain types of legal
           | or financial problems, to innocent random new users who are
           | literally paying for the privilege of inheriting a hot mess.
        
       | [deleted]
        
       | peanut-walrus wrote:
       | Please someone blow the lid off the telco fraud world already.
       | The reason companies such as telesign exist is because telcos are
       | allowing fraudsters and scammers to run amok using their
       | infrastructure and in lots of cases directly benefiting from
       | their activities or even participating themselves. The whole
       | telephone system is broken and the ones running the show are not
       | showing any intent to fix it.
        
       | jaclaz wrote:
       | Side note/doubt.
       | 
       | By asking to have your data through a GDPR request you are
       | effectively giving to the receiver of the request:
       | 
       | 1) your full name
       | 
       | 2) your phone number
       | 
       | 3) your e-mail
       | 
       | i.e. basically a confirmation that both the phone number and
       | e-mail are good/active/attended and that they are yours (and that
       | you "exist"), while the data they may already have likely is only
       | the telephone number and the patterns of its usage.
       | 
       | I have no idea how it could be possible to make a valid request
       | without providing this kind of info (i.e. providing only the
       | phone number, which they already have).
       | 
       | Maybe a sort of (public/certified) authorization service?
        
         | hinata08 wrote:
         | these are the (not so) digital equivalent to what appeared in
         | phone book anyway.
         | 
         | Then, your phone number and emails are in any of your resumes,
         | business card, subscription forms, contact details for any web
         | service... They're not exactly private information anyway
         | 
         | And I'm sure anyone can call your phone number and listen to
         | the message of the voicemail, in which most ppl say their name
         | out loud anyway. Lastly, isn't your email address
         | firstname.lastname@gmail.com, as for most folks ?
        
           | foo-bar-bat wrote:
           | Gross
        
           | donkeyd wrote:
           | > isn't your email address firstname.lastname@gmail.com, as
           | for most folks
           | 
           | I'm going to guess that for 'most folks' there's probably
           | someone else with the same name and therefore this way of
           | guessing someone's email address is far from reliable.
           | 
           | It's actually so unreliable that one email address I have
           | receives mail for others who for some reason think it's their
           | email. This includes plane tickets, accounts for phone
           | contracts and order confirmations.
        
             | Arrath wrote:
             | > It's actually so unreliable that one email address I have
             | receives mail for others who for some reason think it's
             | their email.
             | 
             | Ask me about the Brazilian teenager with my name who keeps
             | using my email to open facebook accounts that I keep
             | recovering the password for and closing.
        
         | donkeyd wrote:
         | I agree that this might be a gap in the law, in theory.
         | However, I've seen how many businesses work and they often
         | don't have a process for randomly enriching production data
         | from e-mails to the privacy department.
         | 
         | There's also the fact that the law does say that this personal
         | data can only be use for the purpose of providing user data and
         | must then be deleted. But we also know that there's little
         | chance companies like this will do that.
         | 
         | It's a double edged sword, but I'm going to err on the side of
         | danger and send in a data request anyway. My curiosity is much
         | bigger than my fear of providing them my e-mail address.
        
         | methou wrote:
         | Does the full name have to be your legal name?
         | 
         | I use different names/email on every site, but phone numbers
         | are always these 2~3 numbers. If I'm going to send a deletion
         | request under GDPR alike laws, it would be under different
         | names.
        
           | donkeyd wrote:
           | > Does the full name have to be your legal name?
           | 
           | Pretty much. Only your person has rights, not the fake
           | identities you created. They can actually request a copy of
           | an ID or something comparable to confirm your identity. You
           | might have a hard time removing your data, in some cases,
           | when using fake names since then your identity can't be
           | confirmed.
        
             | jaclaz wrote:
             | Yes, and unlike a sign up for a random site, you are
             | actually stating the info and signing the form, it is as
             | "official" a document as a non-notarized/non-certified one
             | can be, there could be (improbable anyway in practice)
             | legal consequences if you sign something with fake or non-
             | existing data, it is a false declaration.
             | 
             | And when you (if asked/needed by the procedure) provide a
             | copy of your ID, you are actually giving them other data
             | points, like your birth date, often nationality, and in
             | some cases even the address of residence.
        
             | lucb1e wrote:
             | > Only your person has rights, not the fake identities you
             | created.
             | 
             | But if they only know u/lucb1e to own +31612345678, then
             | it's all good and well that you're requesting data as Luc
             | Lastname but that's not going to match their records
             | anyway; that doesn't prove you're the legitimate person to
             | send this data to.
             | 
             | > They can actually request a copy of an ID or something
             | comparable to confirm your identity.
             | 
             | When I called the Dutch DPA about this, specifically about
             | MAC address tracking (I got an email "welcome to ikea!",
             | sent to anothercompany@lucb1e.com, when I connected to
             | ikea's free wifi), and they said that supplying the MAC
             | address is the identifier to use because that's the only
             | thing they can match anyway. This was in 2018-ish so I may
             | misremember details, to be fair.
             | 
             | As far as I know, this is similar to copyright under a
             | pseudonym. If you can't prove it's yours, sucks, but if you
             | can, then your rights are yours to exercise.
        
       | chayesfss wrote:
       | [dead]
        
       | velavar wrote:
       | I work in fraud prevention with vendors such as this. Let me be
       | the devil's advocate here: trust and risk scores such as these
       | are often very useful for identifying account takeovers and
       | stolen identities in the financial and telecom worlds. We often
       | see folks on HN complaining about how banks don't protect them
       | from fraud losses - companies like this are how there is any hope
       | left for some modicum of consumer protection.
       | 
       | You may ask: Then why do banks not protect me from losses better?
       | I say: They're already doing something (invisible as it may be).
       | They can definitely do a better job. But without companies such
       | as Telesign, fraud losses would far, far worse.
       | 
       | You may ask: What if my data gathered is used for nefarious
       | purposes? I say: In my experience, data such as this is not
       | allowed to be used for marketing purposes but strictly for
       | consumer protection. I'm not specifically speaking about TeleSign
       | but similar vendors. The worst that should happen is that you get
       | a transaction declined, or get denied for a credit card etc. But
       | no marketing or any other manipulative practice is allowed, in
       | theory.
       | 
       | Happy to answer any questions you may have :)
        
         | Andrex wrote:
         | How confident are we Telesign will never ever be the victim of
         | a data breach?
        
           | velavar wrote:
           | Ahh that's a great question - it's a very real risk. In my
           | mind, most of the data these companies have is sourced from
           | other companies so all that these vendors do is increase the
           | surface area for the attack vectors. And the (probably naive)
           | hope is that the attackers can't do much with data such as
           | trust scores and the underlying factors.
        
           | zie wrote:
           | Since the NSA has shown they can't do it, I'd venture to
           | guess the likelihood of Telesign or any other company being
           | breached is approaching a 100% chance.
        
         | tpxl wrote:
         | > They're already doing something (invisible as it may be).
         | They can definitely do a better job. But without companies such
         | as Telesign, fraud losses would far, far worse.
         | 
         | Until banks accept that they got defrauded, not you, whatever
         | they do will be too little.
        
           | slt2021 wrote:
           | No-one is actually breaking into a bank and stealing $$ from
           | your account.
           | 
           | Virtually most of the fraud is happening due to customer's
           | own fault, not strictly bank's fault:
           | 
           | 1. installed malware and got all saved CC data stolen
           | 
           | 2. website you ordered your widgets got hacked and your CC
           | stolen
           | 
           | 3. clicked phish linked and lost your online bank credentials
           | 
           | 4. got scammed and sent zelle to a scammer
           | 
           | 5. used shady website to order deeply discounted electronics
           | / signed up for adult membership website - and gave your CC
           | data right into hands of fraudsters
           | 
           | 6. used shady third party ATM in tourist place like Cancun
           | and got your card skimmed etc
           | 
           | 7. used same user/pass credentials for online banking, as
           | your email account, and your online bank got taken over
        
             | ygjb wrote:
             | So point by point: 1. Stealing a credit card number, ccv,
             | expiry, and name shouldn't be game over. It is because
             | businesses want to reduce friction for customer purchases.
             | If card not present transactions required a second step of
             | verification, for example, multi-factor authentication, it
             | would drastically reduce this type of fraud. Unfortunately
             | it would also increase friction for online purchases, which
             | is why everyone in the card processing chain is looking to
             | shift liability away from themselves.
             | 
             | 2. That is not the customers fault. Full stop. Yes, some
             | sites are more shady than others, but there is nothing a
             | consumer can do to determine if a service provider will get
             | hacked.
             | 
             | 3. Yes. Unfortunately, phishing is really easy. Despite the
             | prevalence of this attack, training users to effectively
             | detect and avoid being a victim is almost impossible.
             | 
             | 4. See #3.
             | 
             | 5. See #2.
             | 
             | 6. How is a customer supposed to validate the security of
             | an ATM against modern skimming technology, many of which
             | are virtually indistinguishable from normal bank machines.
             | 
             | 7. Yep, not great. Why don't banks _require_ 2FA? Because
             | it creates friction and increases costs. Better to just
             | externalize the risk.
             | 
             | Your entire blame the user argument is bunk that has been
             | packaged up and recirculated by the finance community for
             | almost 20 years (and I have been using these arguments
             | against them for nearly that long, granted it's close to
             | ~12 years since I worked in infosec at a bank).
        
             | firefoxkekw wrote:
             | 8. Using android phones that haven't received any security
             | updates in the last few years because the vendor stopped
             | releasing updates a couple of years after the release.
        
             | glitcher wrote:
             | Now go and explain to anyone's grandmother how this list of
             | items is her fault. Hard disagree on victim blaming being
             | the answer.
             | 
             | Sure all of us can learn to be more careful with tech, but
             | the way banks frame fraud against them as identity theft
             | against you is slimy doublespeak.
        
               | slt2021 wrote:
               | Answer is simple: if you cant use technology safely -
               | dont use it! Problem is nobody is teaching effective
               | fraud defense for consumers at scale.
               | 
               | Disable online banking, use checkbook and write checks
               | everywhere or carry cash. I still see older people use
               | checkbooks from time to time, even shopping groceries.
               | 
               | Problem solved.
               | 
               | We require drivers license to operate vehicle, it is time
               | we should require infosec101 training before handing over
               | credit cards and or online banking accounts.
               | 
               | So that you cannot blame the bank for your own fault.
               | 
               | Or migrate to something Apple Pay, but that also does not
               | guarantee 100% fraud prevention
        
               | Rygian wrote:
               | So you are advocating for the vast majority of the
               | internet population to stop using online banking.
               | 
               | Let's flip the omelette: no one forces banks to do
               | business online; if a bank can't build secure online
               | banking, they can default to checkbooks and cash. They
               | have the means and motive to build solutions that are
               | actually secure and usable, so they should bear the
               | burden of dealing with fraud when their solutions fail to
               | be secure.
        
               | slt2021 wrote:
               | Most of the online banks are pretty secure for non-
               | oblivious person.
               | 
               | I always used online banking and never got scammed. It is
               | pretty secure for me.
               | 
               | Combination of user & password with enough entropy, and
               | basic brute-force defense that blocks after 3-4 attempts
               | is the industry minimum standard.
               | 
               | User is the weakest link always, you cannot fix the
               | "stupid" user that downloads malware, warez, adult
               | content and gets infected and loses everything.
               | 
               | These people need life lesson to learn how to operate
               | technology safely.
               | 
               | Although I agree that online banking could be made more
               | secure, but the threat model will immediately evolve and
               | adapt because scammers/fraudsters are still there and
               | they want to eat.
        
               | ygjb wrote:
               | > Most of the online banks are pretty secure for non-
               | oblivious person.
               | 
               | Ok, granted, I spent the last 23 years of my life working
               | in IT security across consulting, government, finance,
               | and tech companies, but this is just garbage. Banks only
               | invest in security to the degree that: - they are legally
               | required to - they have contractual obligations to - that
               | the risk of loss for a specific class of incident exceeds
               | their self-insurance threshold
               | 
               | That's not a hypothetical comment, that is something that
               | was explained to me as an AppSec lead when running into
               | walls trying to get some issues fixed at one of the
               | largest banks in the world. For the record, the issues
               | that I was trying to have remediated would have had to
               | exceeded an annualized loss expectancy for the region I
               | was operating in of 10 million dollars per year to be
               | considered risky.
               | 
               | Your definition of a bank being pretty secure and mine
               | are probably radically different.
               | 
               | > Combination of user & password with enough entropy, and
               | basic brute-force defense that blocks after 3-4 attempts
               | is the industry minimum standard.
               | 
               | Sure, users should choose strong passwords. Banks should
               | also require multi-factor authentication (real 2fa, not
               | the SMS based weaksauce that a bunch use). But, that
               | increases support and transaction costs. So, instead,
               | blame the user! Beyond password selection, there is also
               | the issue of how passwords are hashed, salted, stored,
               | and brokered into a more reliable back-end credential
               | that can be used, absolutely none of which the user has
               | input into or control over, but sure, blame the user.
               | 
               | > User is the weakest link always, you cannot fix the
               | "stupid" user that downloads malware, warez, adult
               | content and gets infected and loses everything.
               | 
               |  _sigh_ you really like banging that drum.
               | 
               | > These people need life lesson to learn how to operate
               | technology safely. > Although I agree that online banking
               | could be made more secure, but the threat model will
               | immediately evolve and adapt because scammers/fraudsters
               | are still there and they want to eat.
               | 
               | There is absolutely no way to train average users to
               | operate modern internet technologies safely because the
               | average user has _no_ effective control over the software
               | and hardware they use (yes, Linux is a thing, and so is
               | open source hardware, but users of those OS and hardware
               | are not average users)
               | 
               | The primary reason the incidence of fraud is so high in
               | the finance sector is because business has chosen to
               | optimize for high transaction volume, and has accepted
               | the risks of doing so. Stop trying to blame end users.
        
               | glitcher wrote:
               | Oh if the world could just be so simple. Can't protect
               | yourself from getting mugged, stop going outside. Problem
               | solved.
               | 
               | The reality of any non-trivial issue is that we have to
               | consider potential improvements from all angles. I want
               | to improve tech for grandma and for the bank, doesn't
               | that seem like a goal worth working towards? And let's
               | please not pretend that banks are infallible in all of
               | this, they also have opportunities to improve.
        
               | slt2021 wrote:
               | the actual protection from getting mugged is moving to a
               | safe neighbourhood.
               | 
               | People must adapt, because it is unreasonable to expect
               | the world to adapt to the most naiive user. You either
               | will get mugged every day, or you learn your lesson and
               | move out to safe neighborhood, or you buy a gun and solve
               | mugging problem for everybody else one shot at a time.
               | 
               | same with fraud - user will continue getting defrauded
               | and scammed until user learns the lesson and either
               | abandons tech he.she is unable to use securely, or adapt
               | and learn how to use it
        
               | autoexec wrote:
               | > the actual protection from getting mugged is moving to
               | a safe neighbourhood. People must adapt, because it is
               | unreasonable to expect the world to adapt to the most
               | naiive user. You either will get mugged every day, or you
               | learn your lesson and move out to safe neighborhood, or
               | you buy a gun and solve mugging problem for everybody
               | else one shot at a time.
               | 
               | It's almost cute how you think people living in places
               | with high crime rates wouldn't jump at the chance to move
               | to a nicer neighborhood with lower crime rates, and that
               | the reason they don't is because they haven't "learned
               | their lesson".
               | 
               | Everyone buying guns and then going around shooting
               | criminals is not a solution to crime, but if you're
               | convinced it's a good idea, why not try it for yourself
               | and "learn your lesson"
        
               | slt2021 wrote:
               | Everybody makes tradeoffs, if you cant move out - you
               | cope.
               | 
               | I grew up in high crime third world country and all young
               | with half a brain folks emigrated as soon as they could.
               | 
               | The rest had to adapt and cope, due to different life
               | choices and trade offs.
               | 
               | Yes you can blame the government for being unable to fix
               | high crime, and sit helplessly while waiting for the same
               | government to fix the problem.
               | 
               | Or you can get matter in your own hands and solve it the
               | way you can.
               | 
               | Fraud problem cannot be attributed to banks 100%, given
               | that users are at fault
        
               | ygjb wrote:
               | > We require drivers license to operate vehicle, it is
               | time we should require infosec101 training before handing
               | over credit cards and or online banking accounts.
               | 
               | Sure. Why not start with an outline for what infosec101
               | should look like. Include estimates for how long the
               | training should take, what the cadence for testing should
               | be, and which agency should be responsible for validating
               | that training. Do be sure to accurately communicate the
               | degree to which an end user with a chip enabled bank or
               | credit card has the ability to distinguish and
               | disambiguate what constitutes a 'safe' or 'legitimate'
               | online business. Also, include some details about how
               | individuals who have been certified as completing this
               | class and/or licensing scheme should procure insurance to
               | protect themselves in case of an accidental data breach
               | (for example, they leak their card info), and outline the
               | process by which that same licensee can file an insurance
               | claim against the insured party downstream of the
               | physical point of payment or online payment portal that
               | allowed a breach to happen. After all - if we are going
               | to require online safety training, and licensing, then we
               | should create another insurance scheme to facilitate
               | resolution of those claims and resolve the costs.
               | 
               | It is really easy to point the fingers at a customer and
               | say "problem exists between chair and keyboard", but the
               | reality is that in the modern economy, the end user has
               | almost no control over the security of their
               | transactions, and little ability to influence how their
               | purchase is handled beyond the question of "cash or
               | card".
               | 
               | The only incentive that retailers, online stores, payment
               | processors, and financial institutions have to resolve
               | this is the simple fact that they own the liability for
               | this, and it's only through the myth of the idiot user
               | that they have been able to shift that liability, to
               | varying degrees, back to the consumer.
        
             | velavar wrote:
             | So true and something I see everyday on my job! it's no
             | wonder then that financial companies have to resort to
             | using data from companies like Telesign to view these red
             | flags and attempt to detect fraud.
        
           | velavar wrote:
           | > Until banks accept that they got defrauded, not you,
           | whatever they do will be too little.
           | 
           | True. Regardless of accepting responsibility, I think they're
           | spending a good bit of money in preventing fraud from
           | happening [1]. Maybe some regulation around banks taking
           | fraud losses would do the trick but the flipside would be
           | that simple financial flows of legitimate customers would
           | become full of friction as banks race to lock down fraud
           | losses. Fraud detection is a really hard fraud problem for
           | even a human, let alone models.
           | 
           | [1] https://bankingjournal.aba.com/2022/01/study-banks-see-
           | rise-...
        
           | WeylandYutani wrote:
           | I have to input a 4 digit code to use my card. As I
           | understand it this is practically unheard of in the US.
           | 
           | That's fraud prevention right there.
        
         | sharikous wrote:
         | >> worst that should happen is that you get a transaction
         | declined, or get denied for a credit card
         | 
         | Which, in a cashless society, can mean you have no money since
         | you can't spend it
        
         | bragr wrote:
         | >Let me be the devil's advocate here:
         | 
         | The question here isn't (primarily at least) whether this is a
         | good or bad thing, the important question is if this
         | arrangement is legal under EU law. It can be the most
         | beneficial thing in the world and still be illegal.
        
           | velavar wrote:
           | That's very true. I think my comment was more in response to
           | other comments talking about "surveillance" and "trust", but
           | you're right that if the data collection itself is illegal,
           | there are no two sides about it :)
        
         | jopsen wrote:
         | Why not start by supporting webauthn (Yubikeys)?
         | 
         | How come all online VISA transactions don't have to completed
         | through a redirect to visa.com or master.com (or may bank
         | website), but instead we're typing card numbers into sketchy
         | websites? (I guess EU 2FA requirements are pushing the
         | boundary, but very slowly and often in ways that still appear
         | remarkably sketchy).
         | 
         | Trust scores of IPs and phones numbers is a tool, but when
         | physically hardened security tokens aren't widely supported,
         | I'd argue the essential tools simply aren't available to users.
        
           | velavar wrote:
           | What kmoser said :)
           | 
           | I support your argument about Yubikeys - I myself use them
           | for any financial site that allows it. A lot of companies do
           | use them to check for fraudulent logins. But the friction of
           | it is high enough that companies would much rather take the
           | loss than force their customers to authenticate every time a
           | transaction has to be made. Also, I think until it is
           | normalized in the industry, there is a consumer perception of
           | physical keys being too technically difficult to obtain, set
           | up and manage. Not to mention, all the Yubikeys in the world
           | still don't help if one goes and gets phished/socially
           | engineered :)
        
           | kmoser wrote:
           | It would be trivial for sketchy websites to have fake (but
           | real looking) "official" Visa/MC forms, or even for multiple
           | fake "official" sites to be set up. So redirecting everyone
           | to the One True Payment System is no solution to fraudulent
           | websites.
        
             | lokar wrote:
             | WebauthN solves that problem
        
         | kmoser wrote:
         | What I want to know is how "the regularity of completed calls,
         | call duration, long-term inactivity, range activity, or
         | successful incoming traffic" translates to a trust score. Do
         | less trustworthy people tend to make longer or shorter phone
         | calls than more trustworthy people? And what even is range
         | activity, not to mention how does it relate to trustworthiness?
        
           | velavar wrote:
           | I haven't worked with Telesign data but I can attempt a
           | guess. Think of how a fraudster uses a phone versus how a
           | legitimate customer uses a phone:
           | 
           | 1. The former is likely using a throwaway phone number, the
           | latter is using an established phone number. You can tell the
           | difference with the number of completed calls over time, call
           | duration etc. Burner phones will have bursts of high
           | intensity activity to several different phone numbers whereas
           | legitimate phones will have lots of successfully completed
           | phone calls over a long period of time to repeating phone
           | numbers.
           | 
           | 2. The former will likely place calls all over the country or
           | world as they attempt to raid several bank accounts
           | digitally. The latter will probably have more local calls
           | since they're calling their doctors, schools, etc. This is
           | probably where range activity plays a role.
           | 
           | I'm not defending Telesign or how they collect data - I'm
           | merely saying this data has value in account protection.
        
       | methou wrote:
       | I know there are several services that helps you with removing
       | your data from data brokers continuously, but only limits to
       | residents in Countries which has GDPR alike laws.
       | 
       | I feel defenseless against these sophisticated international
       | corporation mass surveillances. Sending GDPR to each of them when
       | you have learned their existence is like whac-a-mole.
        
         | rnk wrote:
         | The only way to stop them I can forsee is them losing expensive
         | lawsuits where the outcome is they have to ask your permission
         | first, along with a clearing house to find out where all of
         | them are so you can check and tell them no - of course they'll
         | try to set it up legally so that if you use your credit card it
         | will indicate default approval or something.
        
       | hinata08 wrote:
       | Remember when global surveillance used to be a meme among
       | conspiracy theorists ?
       | 
       | Pepperidge Farm remembers
       | 
       | What can we say about a corporation doing a trust score for half
       | of the connected population in the world ? I wonder about their
       | ego, or what went wrong in their management.
        
         | kodah wrote:
         | > I wonder about their ego, or what went wrong in their
         | management.
         | 
         | The article didn't insinuate that data is being used to
         | objectively harm users. It's being used to generate "trust
         | scores" for anti-fraud systems. The specific example given in
         | their piece is allowing a user to attach a certain number for
         | SMS verification.
         | 
         | Rather, the point here is that such data _could_ be used to
         | objectively harm users, so those users should have to provide
         | consent. Second to that is that BICS doesn 't appear to inform
         | users requesting GDPR data that their data was shared.
         | 
         | I'm not sure I'd label that failures in ego, it smells like
         | failures in process and compliance, which also need to be dealt
         | with in lawsuits.
        
           | sologoub wrote:
           | It likely does cause users to be treated differently and that
           | may not always be lawful or in users best interest. I was
           | forced to go to a bank branch likely because my provider
           | doesn't share the data. Better yet, when I realized my
           | mistake of dealing with the said bank, going to the branch
           | was the only way to stop the application.
        
         | theonlybutlet wrote:
         | Would this be a breach of GDPR for us EU residents?
         | 
         | I'm getting seriously disillusioned with all this surveillance
         | stuff. At first I thought, you know, these were isolated
         | incidents falling through the cracks, but in truth it's become
         | pervasive and global. The scariest aspect is how individual
         | actors have the ability these days to gather, interpret and
         | isolate individuals from massive datasets, anonymising the data
         | seems pie in the sky.
         | 
         | I don't see much stopping it either, in society it seems to be
         | the extremes, some wrongly think GDPR applies to everything and
         | others are so sophisticated they can bypass it completely. Have
         | we gotten too advanced, whereby only experts understand the
         | impacts of our actions? Sorry I'm getting all philosophical.
        
           | yjftsjthsd-h wrote:
           | For that matter, doesn't California have similar privacy
           | laws?
        
           | Nextgrid wrote:
           | It definitely would, but GDPR is not being enforced anywhere
           | near enough to matter. Facebook and Google are _still_ alive
           | and you bet their tracking and profiles are much more
           | accurate than these clowns.
        
             | theonlybutlet wrote:
             | A sad thought.
        
             | donkeyd wrote:
             | > Facebook and Google are still alive
             | 
             | Well, literally billions of people accept their privacy
             | agreements and actively provide them with data from their
             | phones by using their software. That's quite different from
             | an unknown party telling other companies whether you're
             | reliable without your knowledge based on data neither you
             | nor your provider ever agreed to give them.
        
           | 0xThiebaut wrote:
           | It is, and this article announced Noyb filed a complaint
           | against BICS, TeleSign and Proximus with the Belgian DPA to
           | request actions be taken (investigation, fines, removal of
           | data, ...).
           | 
           | A translated complaint is available at https://noyb.eu/sites/
           | default/files/2023-06/DRAT%20TELESIGN%...
        
             | ale42 wrote:
             | Original in French for those who speak it: https://noyb.eu/
             | sites/default/files/2023-06/DRAT%20TELESIGN%...
        
       | WanderPanda wrote:
       | Whats up with companies like BICS and SWIFT being in Belgium, is
       | it just chance or is there more to it?
        
         | csomar wrote:
         | SWIFT was founded 50 years ago, around the time of the Brenton
         | woods system collapse. BICS parent company seems to be much
         | older, from the telegraph era.
         | 
         | These are mostly behemoth created as a consequence of the West
         | rising at the time.
        
       | hashstring wrote:
       | I do not agree with these practices.
       | 
       | However, I do think there is room for protocols that verify phone
       | numbers in a way. The spam and fraudulent calls that people
       | receive and are hard to distinguish from "good" calls is a
       | problem that deserves more attention.
        
         | wuiheerfoj wrote:
         | This would be a nice use case but the reality is everyone still
         | gets a boatload of scam calls, so these companies are farming
         | the data and using it against us instead of for us
        
           | flangola7 wrote:
           | > This would be a nice use case but the reality is everyone
           | still gets a boatload of scam calls
           | 
           | Scam calls are almost unheard of in Europe. Why is it such a
           | problem in the US?
        
             | calgoo wrote:
             | I get a bunch of scam sms messages and calls from scam
             | financial firms here in Spain. That's ignoring all the
             | local spam calls from every phone provider and insurance
             | company here.
        
           | hashstring wrote:
           | Yes, exactly, as expected.
        
         | rnk wrote:
         | Phone numbers have some value as a verification endpoint, but
         | because it's so easy to steal people's mobile phone numbers via
         | Sim jacking, calling the phone company and saying Hi. I'm xyz
         | and I have a new SIM card and please transfer my number to me,
         | it happens all the time, mobile phone numbers are not safe for
         | this purpose.
        
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