Big Brother is Listening to You: Digital Eavesdropping in the Advertising Industry

In the Digital Age, information is more accessible than ever. Unfortunately, that accessibility has come at the expense of privacy. Now, more and more personal information is in the hands of corporations and governments, for uses not known to the average consumer. Although these entities have long been able to keep tabs on individuals, with the advent of virtual assistants and “always-listening” technologies, the ease by which a third party may extract information from a consumer has only increased. The stark reality is that lawmakers have left the American public behind. While other countries have enacted consumer privacy protections, the United States has no satisfactory legal framework in place to curb data collection by greedy businesses or to regulate how those companies may use and protect consumer data. This Article contemplates one use of that data: digital advertising. Inspired by stories of suspiciously well-targeted advertisements appearing on social media websites, this Article additionally questions whether companies have been honest about their collection of audio data. To address the potential harms consumers may suffer as a result of this deficient privacy protection, this Article proposes a framework wherein companies must acquire users\u27 consent and the government must ensure that businesses do not use consumer information for harmful purposes

An Automated Approach to Auditing Disclosure of Third-Party Data Collection in Website Privacy Policies

A dominant regulatory model for web privacy is "notice and choice". In this model, users are notified of data collection and provided with options to control it. To examine the efficacy of this approach, this study presents the first large-scale audit of disclosure of third-party data collection in website privacy policies. Data flows on one million websites are analyzed and over 200,000 websites' privacy policies are audited to determine if users are notified of the names of the companies which collect their data. Policies from 25 prominent third-party data collectors are also examined to provide deeper insights into the totality of the policy environment. Policies are additionally audited to determine if the choice expressed by the "Do Not Track" browser setting is respected. Third-party data collection is wide-spread, but fewer than 15% of attributed data flows are disclosed. The third-parties most likely to be disclosed are those with consumer services users may be aware of, those without consumer services are less likely to be mentioned. Policies are difficult to understand and the average time requirement to read both a given site{\guillemotright}s policy and the associated third-party policies exceeds 84 minutes. Only 7% of first-party site policies mention the Do Not Track signal, and the majority of such mentions are to specify that the signal is ignored. Among third-party policies examined, none offer unqualified support for the Do Not Track signal. Findings indicate that current implementations of "notice and choice" fail to provide notice or respect choice

Critical review of the e-loyalty literature: a purchase-centred framework

Over the last few years, the concept of online loyalty has been examined extensively in the literature, and it remains a topic of constant inquiry for both academics and marketing managers. The tremendous development of the Internet for both marketing and e-commerce settings, in conjunction with the growing desire of consumers to purchase online, has promoted two main outcomes: (a) increasing numbers of Business-to-Customer companies running businesses online and (b) the development of a variety of different e-loyalty research models. However, current research lacks a systematic review of the literature that provides a general conceptual framework on e-loyalty, which would help managers to understand their customers better, to take advantage of industry-related factors, and to improve their service quality. The present study is an attempt to critically synthesize results from multiple empirical studies on e-loyalty. Our findings illustrate that 62 instruments for measuring e-loyalty are currently in use, influenced predominantly by Zeithaml et al. (J Marketing. 1996;60(2):31-46) and Oliver (1997; Satisfaction: a behavioral perspective on the consumer. New York: McGraw Hill). Additionally, we propose a new general conceptual framework, which leads to antecedents dividing e-loyalty on the basis of the action of purchase into pre-purchase, during-purchase and after-purchase factors. To conclude, a number of managerial implementations are suggested in order to help marketing managers increase their customers’ e-loyalty by making crucial changes in each purchase stage

XRay: Enhancing the Web's Transparency with Differential Correlation

Today's Web services - such as Google, Amazon, and Facebook - leverage user data for varied purposes, including personalizing recommendations, targeting advertisements, and adjusting prices. At present, users have little insight into how their data is being used. Hence, they cannot make informed choices about the services they choose. To increase transparency, we developed XRay, the first fine-grained, robust, and scalable personal data tracking system for the Web. XRay predicts which data in an arbitrary Web account (such as emails, searches, or viewed products) is being used to target which outputs (such as ads, recommended products, or prices). XRay's core functions are service agnostic and easy to instantiate for new services, and they can track data within and across services. To make predictions independent of the audited service, XRay relies on the following insight: by comparing outputs from different accounts with similar, but not identical, subsets of data, one can pinpoint targeting through correlation. We show both theoretically, and through experiments on Gmail, Amazon, and YouTube, that XRay achieves high precision and recall by correlating data from a surprisingly small number of extra accounts.Comment: Extended version of a paper presented at the 23rd USENIX Security Symposium (USENIX Security 14

Toxic Baby Furniture: The Latest Case for Making Products Safe From the Start

Estimates indoor pollution levels of formaldehyde -- linked to increased risks of allergies, asthma, and cancer -- emitted by cribs, changing tables, and other baby furniture. Makes suggestions for avoiding exposure and for regulatory action

Embracing Accountability: Physician Leadership, Public Reporting, and Teamwork in the Wisconsin Collaborative for Healthcare Quality

Based on interviews, presents a case study of how a "bottom-up" physician-led group of healthcare providers realized voluntary public reporting of comparative performance information as a quality improvement tool. Shares requirements and lessons learned

A multi-agent architecture for electronic payment

The Internet has brought about innumerable changes to the way enterprises do business. An essential problem to be solved before the widespread commercial use of the Internet is to provide a trustworthy solution for electronic payment. We propose a multi-agent mediated electronic payment architecture in this paper. It is aimed at providing an agent-based approach to accommodate multiple e-payment schemes. Through a layered design of the payment structure and a well-defined uniform payment interface, the architecture shows good scalability. When a new e-payment scheme or implementation is available, it can be plugged into the framework easily. In addition, we construct a framework allowing multiple agents to work cooperatively to realize automation of electronic payment. A prototype has been built to illustrate the functionality of this design. Finally we discuss the security issues

Big Banks, Bigger Fees: A National Survey of Bank Fees and Fee Disclosure Policies

Examines disclosure of bank and credit union fees, including online, in compliance with the Truth in Savings Act; availability of free or low-cost checking accounts; and how the Consumer Financial Protection Bureau could help improve transparency