Zero Day Threat: The Shocking Truth of How Banks and Credit Bureaus Help Cyber Crooks Steal Your Money and Identity

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Overview

“If you bank or manage your stocks online, you have to read this book. Cyberspace is making all sorts of things possible. Unfortunately, among them are fraud, theft, and espionage—all of which can directly impact you.”--Richard Clarke, noted counterterrorism expert and bestselling author of Against All Enemies

A white-collar true-crime story, Zero Day Threat is a powerful investigative expose on bank and lending policies that actually facilitate ID theft and fraud. USA Today reporters Acohido and Swartz reveal the many ways that established corporations and technology giants (including Bank of America, Microsoft, and Google) have fixated on the Internet to maximize their profits, heedless...

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Overview

“If you bank or manage your stocks online, you have to read this book. Cyberspace is making all sorts of things possible. Unfortunately, among them are fraud, theft, and espionage—all of which can directly impact you.”--Richard Clarke, noted counterterrorism expert and bestselling author of Against All Enemies

A white-collar true-crime story, Zero Day Threat is a powerful investigative expose on bank and lending policies that actually facilitate ID theft and fraud. USA Today reporters Acohido and Swartz reveal the many ways that established corporations and technology giants (including Bank of America, Microsoft, and Google) have fixated on the Internet to maximize their profits, heedless of increased risks to customers. While examining the exploding range of hidden Internet hazards, they reveal the ways in which cyber crooks nab identity data--such as Dumpster diving for bountiful paper trash that offers account user names, passwords and Social Security numbers--and then exploit that information through channels opened up by careless corporate policies.

Using real-life examples of those who have endured the nightmare of a stolen identity, Zero Day Threat organizes its narrative around three central archetypes:

  • The Exploiters: The drug addicts, scam artists, and crime lords who carry out the gritty aspects of data theft and financial fraud;
  • The Enablers: The credit card companies, banks, and credit bureaus who broker data;
  • The Expediters: The technology experts running the gamut from good guys like Bill Gates to the devious virus writers and database hackers always on the alert for fresh flaws.
Intended not merely to alarm, but to illuminate, Zero Day Threat exposes how lawbreakers do their dirty work, and how corporations help them do it.

Product Details

  • ISBN-13: 9781402756955
  • Publisher: Union Square Press
  • Publication date: 4/1/2008
  • Pages: 304
  • Sales rank: 1,146,981
  • Product dimensions: 6.42 (w) x 9.28 (h) x 1.18 (d)

Table of Contents

Prologue     1
Introduction     4
Built for Speed     7
System Stimulation     22
System Fissures     32
Self-Anointed Avenger     46
The Convenience Quotient     60
Predators and Opportunists     71
Perpetuating Errors     86
Cost of Doing Business     95
Vulgar Cheats and Swindles     110
Hungry Sharks     123
Perception Challenge     135
Larger Rings     145
Public Acceptance     158
Gaps in the System     171
Keys to the Puzzle     182
Self-Contained Units     197
Under Siege     214
What Must Be Done     231
Epilogue     243
Personal Security and Advocacy     248
Survey of Security Experts     256
Glossary     265
A Note on Sourcing     274
Acknowledgments     282
Index     285
About the Authors     298

Customer Reviews

Average Rating 4.5
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Sort by: Showing all of 2 Customer Reviews
  • Posted January 29, 2009

    more from this reviewer

    A reviewer

    Zero Day Threat contains enough info to scare the mouse out of your computer. Scams, crooks, bots and cops are all featured in this book by 2 USA Today reporters. Apparently gleamed from several newspaper articles they wrote, there is sufficent info here to convince anyone that there is a need for more security (and cops) to protect computer users from the modern day train robbers riding high throughout the internet. Unfortunately, the book is not an easy read. The articles seem to be often patched together without looking at them from a bookreader's point of view. There is no overriding theme that the reader can grasp to follow all of the scams, except that we need to be very scared. Better writers might have made all of the tactics used by the crooks a lot easier to follow, but, nonetheless, this one does the job, just not artfully.

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  • Anonymous

    Posted April 9, 2008

    Consider This book Required Reading

    I have just finished reading the Zero Day Threat. For the last couple of years I have worked as an IT contractor for several retailers in order to supplement my income as I run my own business. It is in this capacity I have done everything from being the sole administrator for payment processing data base servers, overseeing PCI compliance, to assisting the helpdesk. I have so to speak served on the front lines and in the trenches from the merchants perspective and feel I have gained a unique view into the payment industry that the average consumer and most executives even those serving the retail industry do not get to see or completely understand. I commend you on a book that is not only well put together and easy to read, even from a non-technical perspective, but well researched and methodically thought out. Following a progression of viruses, trojans, spam, bots, and DDoS attacks that reads as a work of fiction...though if it only were, will keep the readers interest as it progresses into the stealthy art of deception and identity theft. As the owner of Dynamic Network Technologies, I will be adding Zero Day Threat to a list of books I consider required reading and will be purchasing some books to give out to clients.

    Was this review helpful? Yes  No   Report this review
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