Galt Global Review

QFS 360

August 12, 2003
Where did King Harold go?
by Tatiana Andronache, I.S.P.


“Hastings” is not the answer. What’s more, you should have no idea where King Harold went, because only one person on the planet should know, and that person is not you. The trouble with that question starts when the unique person who is supposed to know cannot recall making up the question, let alone the answer!

A private story
Data security, privacy and confidentiality are hot topics these days within large companies and government organizations, but also with the public at large - as cases of identity theft multiply and concerns over invasion of privacy grow. However, these did not really hit home with me until one Sunday when I finally took the time to check an investment I have made years ago and never bother to check since. The details that interested me were available only over the Internet. A low-tech device (i.e. well preserved hand-written note) provided me with my id and password, but the site informed me that for security reasons, these two almighty pieces of information had been revoked; I was invited to use another tried and true device, the phone of the 7x24 call centre.

The operator warns me that she is about to administer some questions for identification and security purposes. The questions related to my name and date of birth did not put any problems, but then, the next thing I hear is “Where did King Harold go?” “Ha?” is all I can answer and I almost see that checkmark for “suspicious call” being crossed beside my name as I am failing my own security test. This is the end of my interaction with my money for the day. I am not prepared to give up yet and I start enquiring frantically with members of my immediate family on the whereabouts of King Harold. Now I collect a number of blank but suggestive looks, so I retreat to a safe place to meditate.

Vague memories start coming back: years ago, I had been asked by my financial institution to set up my own non-trivial question and answer in order to identify myself and protect my assets. However, the magic answer continues to completely elude me; worries about the state of my account are overtaken by worries about the state of my mind. Next day I call again and tell them upfront not to ask me anything about King Harold. A sympathetic supervisor administers some more sensible questions, which I am able to answer satisfactorily and I am treated again like a valid human being. My money was doing just fine, but how about this self-defeating security procedure? Was my private information secure and confidential? Yes, but to the point that I was locked out!

Privacy, Confidentiality, Security
Most people think they understand what these three words mean, but then many use them interchangeably. The concepts are related, however the differences should be noted and understood, especially now that federal legislation on the matter is soon to be enacted, and the requirements are trickling down to a lot more levels where consumers and businesses will be confronted with them on a regular basis.

Privacy can be defined as the summum bonum of characteristics of a set of data that makes it possible to trace an individual based on that data. Very often, privacy is confused with confidentiality; confidentiality is the understanding that private data should not be disclosed for purposes other than those for which it was collected. Data security refers to the technical and procedural measures that prevent unauthorized access to private data, from hackers to improper use by the custodians of that data to old plain theft of the hardware on which the data resides. Without proper security, data confidentiality cannot be ensured.

Individuals do have the right to the confidentiality and security of their private data; since confidentiality and security lie in the hands of the many private companies and governmental organizations with whom the individual interacts, a uniform understanding and consistent procedures are required. In Canada, Personal Information and Protection of Electronic Documents Act (PIPEDA) will become law on January 1st 2004.

Data privacy, confidentiality and security are not new concepts, but the ever-increasing capabilities of acquiring, corroborating and using data have heightened public concern with who is using this data and how. The wide spread use of the internet for all sorts of transactions and the resulting trail of data, as well as techniques such as data mining and data matching are tools of unprecedented power; they can be used for legitimate purposes or not so legitimate. Examples in the health care are the most notorious: one could worry that his personal medical data could, without his consent, be accessed and used by his insurance company, who could then, say, withdraw service. Similarly, private information collected by financial institutions, or information collected by various government agencies could be used in ways not initially anticipated.

Sometimes, the interests of the individual, of the society as a whole, and the interests of businesses cross boundaries in ways that can make one party or another vulnerable. Not only legislation in the area of privacy has become necessary, but so did the understanding of these issues by the general public. It must also be understood that security, confidentiality and privacy are not merely technical issues, or issues that can be resolved exclusively by technical means. Only a combination of technical sophistication, comprehensive legislation and sensible business policies can preserve the interests of all parties. Otherwise, we would, sooner or later go the way of King Harold…

 


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