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  3. The best solution is to stop pretending that people’s personal information, such as Social Security account numbers and birth da

The best solution is to stop pretending that people’s personal information, such as Social Security account numbers and birth da

admin2016-10-15  74
问题     The best solution is to stop pretending that people’s personal information, such as Social Security account numbers and birth dates, constitutes a universal secret password. The phrase "universal secret" is an oxymoron. For online business transactions, the consumer must be allowed to use a password of his own creation and have procedures in place for changing these passwords in case of suspected compromise.
    Any Computer Science student worth his salt will tell you not to use your Social Security account number or birth date as a password. Why allow financial institutions and government agencies to do something in your stead that you’re advised not to do for yourself?
    There’s also an answer to the problem of criminals fraudulently opening new accounts: states should pass laws that make institutions verify a person’s residence before establishing any form of new credit. As things stand now, criminals can often contact financial institutions via the phone or the Internet, pretend to be you by knowing a few pieces of your personal data, and establish a credit line. Financial institutions should be required to "physically contact" customers to establish identification. Obviously, this could be done through having potential customers come in for face-to-face meetings, but it could also be done via the use of mail, perhaps certified.
    There are constitutionally allowable measures that can be enacted at the federal level to reduce ID fraud. Federal politicians, in a like manner to state ones, should consider submitting bills calling for all federal agencies to immediately cease using Social Security account numbers and birth dates as universal passwords.
    Congress should also take steps to employ only the most rigorously scrupulous employees, eliminating hiring practices that include non-job-relevant hiring preferences and to hire employees based only on job-relevant criteria, such as their ability to do the job and their loyalty to the United States of America.
    Congress should also take steps to enforce our immigration laws by deporting all illegal immigrants— especially those who have worked their way into our information infrastructure. If they’ re dishonest enough to be here in violation of our immigration laws, they’re probably a high risk for doing something dishonest with American citizens’ personal data. Congress also needs to review the impact of our current immigration laws that allow large numbers of foreigners, even some from terrorist-exporting nations, to come into our country legally via such programs as H1 and L1 and become part of our information infrastructure.
    Without appropriate action, ID fraud as we know it today may become a mere steppingstone on a course to even greater abuses of consumers by large companies that are politically well-connected.
In the face of criminal’s fraudulent behavior, financial institutions should______.
选项 A、verify the identification of the customers physically
B、make contact with the potential customers via phone
C、pay a visit to the residence of each customer at intervals
D、keep in touch with their customers frequently by all means
答案A
解析 根据第三段最后两句“Financial institutions should be required to‘physically contact’customers to establish identification．Obviously，this could be done through having potential customerscome in for face—to—face meetings…”，A应为答案。
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