Download or read book Cramming and Third Party Billing on Mobile Phones written by Christopher Rye and published by Gazelle Book Services, Limited. This book was released on 2014-01-01 with total page 143 pages. Available in PDF, EPUB and Kindle. Book excerpt: For several decades, phone companies have allowed third-party vendors to charge consumers on their phone bills for goods and services unrelated to phone service, such as photo storage, voicemail, and faxes. This practice began with landline phone bills an

Download or read book Cramming and Third Party Billing on Mobile Phones written by Christopher Rye and published by Nova Science Publishers. This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: For several decades, phone companies have allowed third-party vendors to charge consumers on their phone bills for goods and services unrelated to phone service, such as photo storage, voicemail, and faxes. This practice began with landline phone bills and continued on wireless phone bills as consumer use of mobile phones increased. Throughout this period, the industry has assured the public that its self-regulatory system is effective at protecting consumers from fraudulent third-party billing on their phone bills. However, this Committee's 2010-2011 review of third-party billing practices on landline phones showed that widespread unauthorised charges -- known as "cramming" -- had been placed on phone bills and had likely cost consumers billions of dollars over the preceding decades. In light of these findings, and emerging reports of cramming in the wireless context, the Committee subsequently began reviewing third-party billing practices on wireless phone bills. This book provides and analyses and perspectives on cramming and third party billing on mobile phones.

Download or read book Cramming on Wireless Phone Bills written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation and published by . This book was released on 2015 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Cramming on Mobile Phone Bills written by U.S. Senate and published by . This book was released on 2015-02-15 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Phone companies allow third-party vendors to charge consumers on their mobile phone bills for goods and services unrelated to phone service, such as photo storage, voicemail, and faxes. A review of third-party billing practices showed that widespread unauthorized charges -- known as "cramming" -- had been placed on phone bills and had likely cost consumers billions of dollars over the preceding decades. This is the report of an inquiry that focused largely on third-party vendor charges placed through a system known as the premium short message service (PSMS), which involves use of text messaging charged to consumers at a higher rate than standard text messaging. These types of charges have been the focus of mounting reports of abuses. This investigation found that cramming on wireless phone bills has been widespread and has caused consumers substantial harm. Figures. This is a print on demand report.

Download or read book Mobile Cramming written by Federal Trade Commission and published by CreateSpace. This book was released on 2015-01-13 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: The widespread adoption of mobile devices has provided many important benefits to consumers, including the convenience of paying for goods and services using a phone. One mobile payment option is known as “carrier billing” – the ability to charge a good or service directly to a mobile phone account. Industry observers have noted the potential usefulness of carrier billing to consumers, and the industry continues to devote resources to promoting carrier billing as a payment option. As stakeholders have noted, carrier billing of third-party charges may be particularly beneficial for unbanked and underbanked consumers. Additionally, consumers have used text messages to donate funds to a charitable organization, with the charge placed on their mobile phone account. As carrier billing has developed, however, fraud has become a significant problem for consumers. In particular, mobile cramming – the unlawful practice of placing unauthorized third-party charges on mobile phone accounts – is a significant concern. Mobile cramming occurs when consumers are signed up and billed for third-party services, such as ringtones and recurring text messages containing trivia or horoscopes, without their knowledge or consent. In six recent enforcement actions, the Commission has alleged that such practices have cost consumers many millions of dollars, and in just three of these actions, defendants have agreed to orders imposing judgments totaling more than $160 million. As part of its consumer protection mission, the Federal Trade Commission (“FTC” or “Commission”) works to ensure that consumer protections keep pace with developing technologies and payment mechanisms. In late 2013, following a Commission roundtable on mobile cramming and a number of FTC and state enforcement actions highlighting the prevalence of mobile cramming, the four largest mobile carriers stated that they would discontinue one form of carrier billing for commercial transactions – “Premium SMS” billing. Market participants continue to implement other kinds of carrier billing arrangements, however. In doing so, it is imperative that they keep in mind the same fundamental consumer protection principles that apply regardless of the type of technology used for billing. All stakeholders have an interest in combating cramming on the carrier billing platform, as promoting consumer trust is integral to promoting more widespread adoption of mobile payment systems and further innovation. Based on evidence reviewed to date, FTC staff recommends certain best practices for industry participants to protect consumers against unwanted charges while enabling innovation and consumer access to another payment mechanism.

Download or read book Mobile Cramming written by Heather Allen and published by . This book was released on 2014-11-28 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: The widespread adoption of mobile devices provides the convenience of paying for goods and services using a phone. One mobile payment option is "carrier billing" -- the ability to charge a good or service directly to a mobile phone account. However, fraud has become a significant problem for consumers, notably, mobile cramming -- the unlawful practice of placing unauthorized third-party charges on mobile phone accounts. Mobile cramming occurs when consumers are signed up and billed for third-party services, such as ringtones and recurring text messages containing trivia or horoscopes, without their knowledge or consent. Such practices have cost consumers many millions of dollars. This report examines mobile cramming and recommends strategies to reduce this fraud. Figures. This is a print on demand report.

Download or read book Unauthorized Charges on Telephone Bills written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation and published by . This book was released on 2011 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book FCC Record written by United States. Federal Communications Commission and published by . This book was released on 2016 with total page 852 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Clark Howard s Living Large in Lean Times written by Clark Howard and published by Penguin. This book was released on 2011-08-02 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Clark Howard is a media powerhouse and penny-pincher extraordinaire who knows a thing or two about money. A lifelong entrepreneur who is now the hugely popular host of a talk radio program and television show and the bestselling author of several books, Clark consistently delivers expert financial advice to his wide and devoted fan base. Living Large in Lean Times is Clark's ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. Chock-full of more than 250 invaluable tips, the book outlines how to: Locate missing and unclaimed money in your name Lower your student loan payment Find legitimate work-at-home opportunities Get unlimited texting and e-mailing for less than $10 per month Know what personal info not to post to social media sites Determine the best mortgage rate, and much, much more As Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he'll get you there.

Download or read book Protecting Consumers Against Cramming and Spamming written by United States. Congress. House. Committee on Commerce. Subcommittee on Telecommunications, Trade, and Consumer Protection and published by . This book was released on 1998 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Securing Transactions and Payment Systems for M Commerce written by Madan, Sushila and published by IGI Global. This book was released on 2016-04-19 with total page 374 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mobile commerce, or M-commerce, is booming as many utilize their mobile devices to complete transactions ranging from personal shopping to managing and organizing business operations. The emergence of new technologies such as money sharing and transactional applications have revolutionized the way we do business. Wholeheartedly adopted by both the business world and consumers, mobile commerce has taken its seat at the head of the mobile app economy. Securing Transactions and Payment Systems for M-Commerce seeks to present, analyze, and illustrate the challenges and rewards of developing and producing mobile commerce applications. It will also review the integral role M-commerce plays in global business. As consumers’ perceptions are taken into account, the authors approach this burgeoning topic from all perspectives. This reference publication is a valuable resource for programmers, technology and content developers, students and instructors in the field of ICT, business professionals, and mobile app developers.

Download or read book Cyber Security Law and Guidance written by Helen Wong MBE and published by Bloomsbury Publishing. This book was released on 2018-09-28 with total page 787 pages. Available in PDF, EPUB and Kindle. Book excerpt: Implementing appropriate security measures will be an advantage when protecting organisations from regulatory action and litigation in cyber security law: can you provide a defensive shield? Cyber Security: Law and Guidance provides an overview of legal developments in cyber security and data protection in the European Union and the United Kingdom, focusing on the key cyber security laws and related legal instruments, including those for data protection and payment services. Additional context is provided through insight into how the law is developed outside the regulatory frameworks, referencing the 'Consensus of Professional Opinion' on cyber security, case law and the role of professional and industry standards for security. With cyber security law destined to become heavily contentious, upholding a robust security framework will become an advantage and organisations will require expert assistance to operationalise matters. Practical in approach, this comprehensive text will be invaluable for legal practitioners and organisations. It covers both the law and its practical application, helping to ensure that advisers and organisations have effective policies and procedures in place to deal with cyber security. Topics include: - Threats and vulnerabilities - Privacy and security in the workplace and built environment - Importance of policy and guidance in digital communications - Industry specialists' in-depth reports - Social media and cyber security - International law and interaction between states - Data security and classification - Protecting organisations - Cyber security: cause and cure Cyber Security: Law and Guidance is on the indicative reading list of the University of Kent's Cyber Law module.

Download or read book Watchdog written by Richard Cordray and published by Oxford University Press. This book was released on 2020-02-03 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.

Download or read book Fraud in Accounts Payable written by Mary S. Schaeffer and published by John Wiley & Sons. This book was released on 2008-10-03 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Fraud in Accounts Payable "Fraud in Accounts Payable is an insightful book that takes an in-depth look at the three most frequently committed fraudulent cash disbursement schemes directly related to your accounts payable function. Mary provides colorful and poignant stories showing how easy it can be to steal from both within and outside an organization. But the real beauty of this book is that Mary illustrates ways you can immediately begin implementing effective and efficient controls to reduce the opportunities for fraud within your organization." —Matthew D. Storlie, CFE, Fraud & Forensic Services Virchow, Krause & Company, LLP "Mary has delivered another book full of specific suggestions for improving accounts payable processes. Fraud in Accounts Payable is an easy-to-read guide that identifies real-world problems and offers practical solutions. Her books and articles have quickly become some of my core resources." —Stephanie K. O'Cain, Chief Financial Officer Municipal Association of South Carolina "Fraud could never take place in my accounts payable department." "My employees would never steal from me! I trust them too much . . ." Sound familiar? The definitive resource for every accounts payable department, Fraud in Accounts Payable affords you a bird's-eye view of what's really going on in your accounts payable department and how you can defend it against every potential type of fraud, including check fraud, payroll fraud, and T&E fraud. Written by Mary Schaeffer, America's most accomplished accounts payable expert, this thorough and highly readable guide is filled with authoritative tips, techniques, and advice on: Uncovering hidden pockets of weakness where your organization is vulnerable Getting rid of those bad practices that allow all sorts of frauds to flourish Setting up antifraud safeguards Reminding us to "never say never," Fraud in Accounts Payable explains in plain English how to protect your accounts payable department so it becomes—and stays—financially healthy.

Download or read book CompTIA Security SY0 501 Exam Cram written by Diane Barrett and published by Pearson IT Certification. This book was released on 2017-12-04 with total page 884 pages. Available in PDF, EPUB and Kindle. Book excerpt: CompTIA Security+ SY0-501 Exam Cram, Fifth Edition, is the perfect study guide to help you pass CompTIA’s newly updated version of the Security+ exam. It provides coverage and practice questions for every exam topic. The book contains a set of 150 questions. The powerful Pearson Test Prep practice test software provides real-time practice and feedback with all the questions so you can simulate the exam. Covers the critical information you need to know to score higher on your Security+ exam! · Analyze indicators of compromise and determine types of attacks, threats, and risks to systems · Minimize the impact associated with types of attacks and vulnerabilities · Secure devices, communications, and network infrastructure · Effectively manage risks associated with a global business environment · Differentiate between control methods used to secure the physical domain · Identify solutions for the implementation of secure network architecture · Compare techniques for secure application development and deployment · Determine relevant identity and access management procedures · Implement security policies, plans, and procedures related to organizational security · Apply principles of cryptography and effectively deploy related solutions

Download or read book State of Wireless Communications written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Communications, Technology, and the Internet and published by . This book was released on 2014 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Financial Services and General Government Appropriations for Fiscal Year 2013 written by United States. Congress. Senate. Committee on Appropriations. Subcommittee on Financial Services and General Government and published by . This book was released on 2013 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: