The Least Helpful Security Features Enforced on Consumers by Business
The Least Helpful Security Features Enforced on Consumers by Business
Consumers have long been subjected to a myriad of security measures posited as necessary for their protection. However, not all of these measures are beneficial or even effective in enhancing security. In this article, we will delve into some of the least helpful security features enforced by businesses, and why they may be considered unnecessary.
Changing Passwords Frequently: A Turned Tide
One of the most common security practices of the past was the mandate to frequently change passwords. For instance, my credit union would require customers to change their passwords every six months to maintain access to account information online. This was done in the name of security, but as time progressed, such practices were widely questioned.
A pivotal moment in shifting this practice came from a paper published by a notable authority in Internet Security. This paper argued that changing passwords every few months did not actually hinder hackers who often use automated methods to breach security. Since then, many organizations have reconsidered and relaxed their password change policies, making the concept obsolete. This change was a relief for many, as frequent password changes can be cumbersome and lead to weaker overall security practices if not done properly.
Card Verification Without Picture ID
Another often-overlooked security measure is the lack of requirement for businesses to check a customer's picture ID when verifying a card. For example, there are instances where businesses do not verify if the card in question matches the person presenting it. This is a notable omission because using a physical card, which often has a signature, without verifying the identity can increase the risk of fraud.
It’s a stark contrast to the requirement for signing the back of a credit or debit card. This signature is an important verification step, but it's just a baseline. Picture IDs, such as a driver's license or passport, can provide irrefutable proof of identity. Yet, the process of validating these IDs seems to be largely neglected in many retail and service environments. This is concerning, especially in locations like the U.S. Post Office, where non-signed cards are not accepted for transactions.
A Silly Requirement: Signing the Back of a Credit Card
One of the more humorous yet frequently enforced security requirements is the necessity to sign the back of a credit or debit card before using it. While many people might not realize it, cards that are not signed cannot be used at the U.S. Post Office, a popular venue for many small transactions and remittances. This can be a real inconvenience.
The argument is often that the signature on the card serves as a form of authentication between the card issuer and the merchant. However, in practice, this step is not always checked, and the card can still be used without it being signed. Signatures are more about providing a backup method of identification if one is lost or stolen, rather than being a necessary restriction for card use.
Why These Features Are Harmful
While these features might be seen as minor inconveniences, they can potentially harm both consumers and businesses. Frequent password changes can lead to weaker overall security practices, including the use of simpler, reused passwords. Lack of ID verification at critical points can allow for more incidences of fraud, undermines consumer trust, and can lead to increased liability for businesses. Signing the back of a card, as a security measure, might be seen as outdated and unnecessary.
Given the advancements in digital security and the increasing sophistication of cyber threats, it's crucial for businesses to reassess their security policies and focus on measures that truly enhance protection without causing undue inconvenience.
Concluding Thoughts
The evolution in security practices has shown that not all measures intended to protect consumers are equally effective. Businesses must strive to find a balance that keeps security measures relevant and useful while minimizing the burden on their customers. The conversation around what constitutes effective security will continue to evolve as new threats emerge, and as technology advances.