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Can Your Smartphone Help You Prevent Identity Fraud?

Can Your Smartphone Help You Prevent Identity Fraud?

Communication is an integral part of society, and several advancements in technology only prove just how much importance we give to it and to staying in touch. Mobile devices such as PDAs, tablet PCs, cell phones and smartphones are among the gadgets of choice most people use for communication because they are more portable compared to bulky laptops. You can send text messages, make calls, access your email, post updates on your social accounts, and surf the Internet using these devices.

These gadgets are so handy and convenient that 88% of adults in the US own or use a cell phone for communication and other purposes. Of these cell phone owners, 46% own a smartphone of some kind according to Pew Research Center.

Smartphones as a tool to prevent identity theft and fraud

Taking this statistics into consideration, you’d think that enterprising individuals would already be using smartphones for purposes other than communication, entertainment and accessing the web. What if smartphones could become a tool for identity theft prevention as well? If that were so, than 46% of US adults would definitely have better chances of avoiding ID theft and ID fraud. If your phone can become a medium for additional security measures for, say, online bank transactions, online shopping and logging into your social network accounts, then it will become much more difficult for identity thieves and scammers to target you.

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Currently, some banks are experimenting with providing you an access code which you’ll need aside from your password/pin and account number for online bank transactions. The bank sends you this access code through a text message once you initiate the transaction on the bank’s website. The code is usually only good for one transaction and can’t be used again for another one (or by another person trying to access your bank account online without your knowledge). Security-conscious companies that deal with sensitive data do something similar when employees need to access their systems. Every minute or so, the access codes to their systems change so employees who need access to their networks will need to provide the latest access code apart from their username and password.

For smartphones to become the ideal tool for identity theft prevention, an application similar to SecureID could be developed to run on them. Instead of bringing along a gadget that generates pass codes randomly, you could instead install an app that does the same thing on your phone. This technology is also handy because like most people, you probably bring your phone everywhere you go, making this app conveniently accessible anytime.

Smartphone users also at risk for identity theft and fraud

However, the statistics provided by Pew Research Center also show the number of people who can be potential victims of identity theft and ID fraud. According to a survey released by Javelin Strategy & Research, 7% of all smartphone users became victims of identity fraud in 2011. Identity thieves are targeting smartphone users because the latter tends to be less cautious. Some users also don’t install reliable anti-virus or anti-spyware software in their mobile devices, making them vulnerable to phishing and spyware attacks.

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The recent years have seen a steady increase in ID theft and fraud victims, so like most people, you probably do regular credit monitoring. People’s awareness over how credit monitoring can help in lowering the effects of identity theft and fraud has shifted the criminals’ focus to smartphone users – most of whom keep personal information and some financial details in their phones. Criminals can easily hack into Bluetooth or Wi-Fi connections to access these phones and steal information contained in them.

Criminals can also send emails or text messages to your smartphone asking for your credit information. These criminals pretend to be representatives of your bank or lender who ask for your information under the guise of verifying  your details and securing your accounts. These messages might look like the real thing, even containing your bank or creditor’s logo. They might also call your phone directly asking for your details, and if you do give them your credit information, you’ll surely become a victim of credit card fraud.

Protecting yourself by protecting your smartphone

Smartphone use continues to grow and ID theft is growing right along with it. However, security experts believe victims could avoid having this happen. Sometimes, the solution is simple: protect yourself by protecting the gadgets where you store your information.

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As mentioned, not all mobile devices are equipped with reliable anti-spyware and anti-virus software so criminals take advantage of this weakness. One way to prevent hackers from stealing information from your phone is by turning off its Bluetooth connection and avoiding using public WiFi connections. It’s also important that your phone locks automatically after a short period of time and asks for a password before you can access it. These are just a few simple ways to safeguard the contents of your phone.

If you want extra protection for your smartphone, you can equip it with an app that requires your fingerprint to unlock your phone. You can also get a smartphone that uses facial recognition software to unlock it. You can choose whatever security feature you think offers the best protection and is most convenient to use.

You should also be aware of how criminals phish for your credit information by calling you up or sending emails and text messages. Keep in mind that legitimate banks and credit card companies will never ask for sensitive details over the phone and via text or email messages. If someone claims to be a representative of your bank and asks for your information, hang up right away. You should also avoid clicking on links sent to you via email.

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A new level of protection

Credit card companies, banks and other businesses have done a lot to lower the chances of their customers falling victim to identity theft and fraud; however, these means might not be enough to completely avoid these crimes. Criminals, for one, are becoming more aggressive when it comes to tearing down security systems of companies in order to gain access to their database which contain customer information (personal details, credit card numbers and the like). Using biometrics – your fingerprint, for example – for added security during transactions might not be feasible just yet since all cash registers and computers will have to be equipped with fingerprint scanners.

Smartphones are undoubtedly susceptible to security breaches as well, but it’s a tool that a lot of people own or have access to. It can be the medium for the aforementioned security app that generates random access codes, and it’s a tool which banks and credit card companies can use to send passcodes to their customers. It’s a gadget that has multiple uses and can provide a new level of protection when you transact with your bank online, shop online, and log in to your social accounts.

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Last Updated on September 11, 2019

8 Most Effective Games and Apps to Learn to Type Fast

8 Most Effective Games and Apps to Learn to Type Fast

Computers and cell phones have become an integrated tool in our professional and personal lives that the original methods of using pen and paper may not be so common anymore.

Although our old-school methods of note taking may not have entirely left us, technology is advancing with no intention of slowing down; iPads are moving into service industries, video calls are taking the place of in-person interviews, and store receipts are making its way into our email inbox – all of which requires the skill of typing.

Learning a new skill doesn’t have to be boring and never had to be. Thankfully, there are effective games and apps that can help you learn to type fast with swift precision and accuracy.

Why Typing Fast Matters?

Learning how to type fast is a game changer. In fact, you can save 21 days per year by typing fast!

Although shaving several minutes from curating a long email or texting paragraphs in a text message may not seem to be of great significance, the minutes soon do eventually add up and the long list of tasks then evolve into frustration. By the end of the day, time is being wasted, and the work pile is stacked high over your head.

Why not alleviate some of those frustrations through practice and dedicating your spare time to build muscle memory?

Learning a simple skillset like speed typing can drastically improve other essential areas in life including time-management and prioritization. Not only does it help you efficiently complete tasks at work and in your personal life, but it also boosts your productivity.

8 Most Effective Typing Games and Apps

Everyone learns at different speeds and uses various methods. While some work better under pressure and tight deadlines, others thrive when given ample amounts of time to learn and soak in the knowledge that is being provided. Despite the number of resources that are available in the hollow corners of the internet, it’s all about finding one source that helps you learn at your fullest potential.

Whether you’re a keyboard ninja or not, here are some effective typing games and apps that allow you to test your speed, accuracy, and maybe shoot some spaceships along the way.

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For Beginners

1. Speed Typing Online

    What’s more fun than to type to the story of Alice in Wonderland or the lyrics to “Hey Jude”? Speed Typing Online is an online typing game that allows you to dive into the creative and familiar world of famous books, fables, songs, and even hone your skills in data entry.

    The bright blue frame holds the text, which then turns green after punching in the accurate keystrokes. After the end of the personal timer, a statistics page appears to show you your typed words per minute, accuracy, correct and incorrect entries, and error rate.

    2. Typing Trainer

      Typing Trainer

      is another online platform suited for beginner typists looking for step-by-step lessons. Learning the keys on a keyboard can confusing especially for those who aren’t as familiar or getting adjusted to typing on a computer keyboard.

      Typing Trainer has a collection of step-by-step tutorials that covers everything from sentence drills, introduction to new keys as the lessons progress, and skills test. The Typing Trainer specifically highlights unique features in each lesson including a warm-up section where the user begin to build muscle memory and learn to type without looking at the keyboard.

      The website is also programed to identify difficulties the user is facing when typing specific words or sentences.

      3. TapTyping – Typing Trainer

        There is the feeling of physically typing on a keyboard and then there’s the feeling of typing on a touch screen mobile device.

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        Since the use of cell phones has become closely integrated into our everyday lives, learning to type on a mobile is much of a skillset as it is to type on a computer. The mobile typing app, TapTyping – Typing Trainer, allows users to practice while on-the-go making it perfect for commuters who want to practice typing during their down time.

        The app allows you to challenge other typists around the world with TapTyping’s global leaderboard and test your skills by taking advanced lessons. There’s always room for improvement and with the app, you’ll be able to find your mistakes by watching a heat map of your finger strokes.

        For professional writers and programmers

        4. The Most Dangerous Writing App

          Suitable for writers facing a creative block or on a tight-deadline, the Most Dangerous Writing App is a website that forces your fingers to type as quickly as your ideas.

          If you stop longer than 5 seconds, everything you had written will slowly disappear from the screen.

          Sessions are timed from 3 minutes to 20 minutes, or can go from 75 to 1667 words. This online app is perfect to brain dump ideas, write a chapter of a manuscript you’ve been stuck on, or help with procrastination.

          If you’re up to the challenge, try the hardcore mode – an alternative option where a single letter appears on the screen at a time. This level prevents you from seeing the entire word, sentences, or even correct any spelling or grammatical mistakes until the timer is complete.

          If you’re wondering, copying and pasting is not an option until each the end of each session.

          5. The Typing Cat

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            Looking to upgrade your typing skills? Also working as a personal tutor, the Typing Cat has a list of regular typing courses with the option to try other lessons with more complexity such as HTML. Learning to type code is a another valulable skillset worth adding.

            Even with disregarded interest in the coding world, using the code course enhances your typing skills and allows your fingers to familiarize itself with uncommon word combinations and placement of punctuations on a keyboard.

            The coding course can be difficult even for typing whizzes, but it’s all a part of muscle memory. According Psychology Today,[1] only a handful of people actually learn how to type by looking at an actual keyboard, while a majority of the population locate specific keys intuitively through muscle memory.

            Available courses include EcmaScript 6, HTML 5, and CSS 3.

            Fun typing games

            6. ZType — Space Invaders Meet Webster

              Remember playing the iconic 70’s game that allowed you to shoot tiny purple and green aliens from one end of the screen to the other with a two-bullet laser? It’s hard to believe that Space Invaders just turned 40 , but you can still get the same adrenaline rush with ZType, a typing game with the same shooting concept.

              Ztype works in waves – stages that must be cleared but instead of aliens, you must type out the words before the missiles destroy your ship at the bottom of the screen. Every so often, longer and mor complex words would appear and if the words are not typed in the allotted time, a series of letters will disperse like missles.

              The game is quick on the fingers and will still have your heart pumping until the very end.

              7. Epistory – Typing Chronicles

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                Although this game does cost money to purchase, it is worth the investment if you’re looking for a refreshing and alternative mode to learning how to type fast.

                Epistory – Typing Chronicles is a role-playing action and adventure game of a young girl riding a fox in a magical and fictional realm; together they combat enemies in the shapes and forms of words.

                Once you’re starterted, you almost forget you’re playing a typing game. The paper craft art aesthetics of the game has you captivated by the vibrant colors and character’s storyline, while having you build your typing skills.

                8. Daily Quote Typing

                  Need some inspiration? Say no more.

                  Daily Quote Typing is one of many gammes available on Wordgames.com – a website that offers a variety of typing games ranging from different levels based on your experience.

                  With Daily Quote Typing, users are able to type out inspirational quotes by famous leaders, inventors, and innovators such as Mark Twain and Albert Einstein.

                  Bottom Line

                  At the end of the day, discipline and patience is what teaches to type faster. It comes down to making that commitment to improving not only your typing abilities, but in a lifelong skill that benefits other areas in life.

                  By practicing daily and using effective games and apps, it’s only a matter of time before keystrokes will become second nature and your brain will adapt to learning other skills faster.

                  Featured photo credit: Unsplash via unsplash.com

                  Reference

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