Are you being watched while you watch TV

If you haven’t already experienced the pleasure of binge watching, you will in the near future. Streaming video has changed how we watch TV. If you are about my age, we had TVs without remotes, VCRs that you had to rewind tapes, and bunny ears for reception.

nielsen1Back then TV watching was measure by the Nielsen Ratings and published weekly. You remember the Nielsen Ratings that collected TV data from identified households that had a ‘box’ connected to their TV. Today the digital world of TV and streaming video have changed the way the media corporations collect data on what you are watching.

 

Now with digital video, the cloud and streaming, each account becomes its own Nielsen Rating. Along with the shows data: comedy, drama, action series. Female lead, strong language, etc. And now companies like Netflix and Amazon Prime have the ability to collect what you watch, when you watch, how many episodes in a row, where it is paused, etc.

nielsen3

Watch this TED talk video on how they use this data to make new hit TV shows.

How to use data to make a hit TV show

Random Thoughts: Airlines & Customer Statifaction

Airlines that fly in the US are not legally obligated to provide any compensation for a delayed passenger. They are however, required to compensate passengers who have a reservation but are denied boarding, also known as getting bumped from the flight.

delayed
My personal experience is 60% of my flights were delayed in 2015. Equaling a total of over 15 hours of wasted time for me.

 

We all want a safe flight regardless of the weather or mechanical failures. And we all know the airlines will push the weather conditions and delays onto us. But want about all the other delays?  In the past year I took 5 flights; 3 personal and 2 business. (FYI – I use to travel 5 days a week for 8 years for work – I left that job because the air travel was taking up too much time.)

But I want to talk about my 3 personal fights.

  1. Delta: I had international flight and a lay over in ATL. While in ATL we were delayed 2.5 hours because the crew was waiting to transport airplane parts to a waiting plane in DTW (my destination). I don’t understand how they have the rights (or balls) to delay almost 200 passengers so that they can repair a mechanical issue on another flight by delaying ours.
  1. Spirit – (yes I broke down twice and thought their cheap fairs were a deal until…) Flights 2 and 3 were  both Spirit. The first flight was a 6:30 am flight. At 6:35 they announced there were mechanical errors with the plane. (I seem to recall it was a radio problem, but it doesn’t matter, safety is number one, and the plane was in no condition to fly.) Also at 6:35 they announced the flight would be delayed until 12:30 pm that day. Yes 6 hours later. At exactly 12:30 they announced it was going to be another 2 hours. Had they notified me at 4:00 in the morning before I left for the airport, I could have rested at home, instead I was trapped in the airport for the whole day. The flight actually left that afternoon at 3:00. 8.5 hours after the original flight time. For compensation the airlines offer 2 different sets of meal tickets (total of $30 per person) and a $50 credit for any new booking on Spirit.

All the time we were sitting waiting for our flight to board. The gate next to us, also Spirit, was over booked to New York and looking for passengers to give up their seat for the next flight in 2 hours. For compensation of their 2 hour delay they would receive a round trip ticket on Spirit.

But let me talk about how inconvenienced I really was on this 8.5 hours delay. I took the whole day off work to make a 6:30 am flight. That extra 8.5 hours added a full day expense to the long term parking. And my trip was only 48 hours – so that took a whole day away from weekend.

And so I used the $50 credit and this is what I experienced…

  1. The second flight I flew with Spirit was almost the same deal as flight number 2. It was a 3:30 pm flight that ended up being cancelled, guest were offered to get their flight refunded or be assigned a seat on the 8:00 pm. Flight.

delayed2

For those that waited for the next flight at 8:00 we were given a voucher of $50 to use on our next flight with Spirit.

We were not told what the actual delay was, but the passengers came to the conclusion, it was cheaper for Spirit to cancel the 3:30 flight and add us to the 8:00 pm flight.

I’m not sure what to do about this except continue to report and complain to the airlines directly. But had they noticed that I was a customer that was on a flight less than 3 weeks before that was also delayed – they may have the opportunity to treat me differently. Because Spirit is no longer an option for me, cheap and delayed is not good customer service.

If WE all stood up and insisted that airlines must provide a flight on time and safe otherwise it affects their bottom line, we will always be waiting for the airlines to take care of themselves before the paying passenger.

I believe safety is number one when flying. But it should be the airlines responsibility to have a safe and ready plane available to depart at the time scheduled, otherwise the passengers should be heavily compensated. Even if they are compensated more than the cost of the flight. (maybe this would ensure the airlines have working planes) A 8.5 hour delay is a full work day for most people, and if you are going to take our valuable time away, that show us what it is worth.

The legal requirements for the US and Europe are very different – the EU requires airlines to compensate passengers for delays based on distance of the flight and total time delayed.

Happy New Year

I don’t usually make new year’s resolutions, because I feel that I’m always making resolutions through out the year. I don’t need a change in the calendar to get me moving. Of course I have more resolutions that don’t go beyond a line item in my list of other things to do.

But my resolution in regards to the is blog is to include more from the readers – what do you want to know about YourDigitalData?

And with that in mind I’m also going to use this forum to talk about customer service and customer data. The more I know about how much data is collected and how it supports (or lack of support) from customer service the more frustrated I become.  What is customer service and customer satisfaction.  It is fixing a mistake or not making any mistakes at all? When it causes problems for you, but still benefits their bottom line – who is really winning?

What are you resolutions? Do they involve data?  data

‘Yes’ before ‘No’

The Definition

Say Yes

It’s critically important that we live the culture of Yes. This does not mean that every single idea, question, suggestion or recommendation will ultimately be met with a big thumbs up. But it does mean that we respond to all curiosity with the mindset of Yes first.

Our bias is to the Yes side of life. This is in stark contrast to the all too common approach of NO being the automatic reaction to any expression of an inquiring mind.

Just because saying NO is easier.

The status quo is not our favorite state. We live in the land of growth, possibilities, ideas, innovation, positive impact and results. And the only path to that place is through openness to the unknown… So Yes before no. And no only if we have done the work and exhausted all the potential of Yes first.

Your car, your car’s data and you.

Today’s vehicles  are collecting data, whether it is validating that the vehicle is operating to standards, monitoring the drivers’ habits, or providing navigation. Some of this information is required by federal law and some is personally data to help you maintain your vehicle.

DATA REQUIRED BY US LAW

Clean Air Act Amendment 1990:

The EPA requires all vehicles built after 1996 must have On-Board Diagnostics (OBD). And newer vehicles have standardized computer systems (also known as OBDII). These continually monitor the electronic sensors of engines and emission control systems, includingClean Air buttons the catalytic converter, while the vehicle is being driven to ensure they are
working as designed.

Each OBD system is required to collect standard information that provides all current information and a snapshot of the same data take at the point when the last diagnostic trouble code was set.

National Highway Traffic Safety Administration (NHTSA):

Also collected driving information is the Event Data Recorder (EDR), similar to an airplane’s black box.  The EDR monitors the vehicle’s network of sensors for signs of a crash and stores a few seconds of the data stream, dumping and refreshing the information constantly. The type of information collected in the EDR varies among manufacturers, but it generally includes throttle and brake-pedal position, steering angle, yaw rate (the vehicle’s rotational velocity), speed, and impact-sensor data. This information is saved permanently following an airbag deployment and can be accessed through the OBD-II port by a technician using specialized equipment. No location data is stored in EDR.

EDRs have been used since the 1990s and have recently been standardized by the National Highway Traffic Safety Administration (NHTSA). EDRs are required equipment on all cars beginning in 2013, with the aim of making their data easier to obtain for crash investigations. Lawyers have used this data in court cases to demonstrate driver behavior during an accident.

EDREDR data

Non-regulated data from your vehicle

The diagnostics systems actually has open the field to collect all sorts of vehicle information. Allowing each manufacture to define additional modes for vehicle data collection. A modern car knows hwere you are, is constantily tracking your driving habits and may even be able to call for help if you have a crash, or your airbags deploy.

Though not part of the EPA’s OBD II standard, the diagnostic read-outs used by dealership technicians are also read through the OBD II connector. These service codes show you such things as knock sensor operation, FI pulse width, ignition voltage, individual cylinder misfires, transmission shift points and ABS brake condition. There can be over 300 readings available, depending on the vehicle manufacturer and model. Vehicles vary in the readings they will support. Scanners vary widely in the number of these signals that they can read. Some show just the basic OBD or OBD II signals, others show the full range of service codes.

Image result for dongle for your carThis is the type of information that can be gathered by the auto insurances via a ‘dongle‘, (see image). Think of this a Fitbit for your car: it measures input, output, distance, etc. A combination f the OBD and 2-way communication, the system lets companies like OnStar read the data and create reports about the driving history.With the help a hardware adapter and a mobile app, you can read the vehicle data your self.

This dongle is connected to your OBD port and records your driving experience: speed, breaking  habits; it will read any data the vehicle is collecting. It can tell if you are wearing your seat-belt, how many hours the car is driven, what hours it is being used and the locations it visits.

  • Shows real-time data. You can see everything from how fast you’re traveling, how hot your engine is, the voltage of your battery, and a bunch of other information that most people don’t really care about as you drive.
  • Maintains trip history. You can see a history of your trips and all the accompanying data, including how long the trip was, average mile per gallon.

Most navigation systems are separate from a car’s computer. Now a days manufactures are adding features to vehicles such as providing GPS; which can collect your routes, frequently visited locations. Most vehicles have a one-way GPS system streaming to the car. But with the additional of telematics systems in the car (think OnStar), 3rd parties now have the ability to see where you are, your driving speed. and what state your care is in mechanically.

If you think your mobile phone is the only device collecting your location, think again. Your Vehicle has the same data collection services as your smart phone (gaming console, smart watch, Go-Pro camera).

What can you do about the tracking for a new-car buyer?  Not much. Pay close attention to the terms in the user agreement for any telematics (cellular connection), and opt-out of the service.

The more you know about YOUR DIGITAL DATA the more you can control.

Here is what one OEM says:

We receive information about you through vehicle sales records provided by your dealer and we may obtain, with your consent, data obtained from your vehicle’s Event Data Recorder (“EDR”) as described in your owner’s manual (i.e., how various systems in your vehicle operate, the speed and distance of your vehicle). For additional information about EDR data, please see your owner’s manual. We also may obtain information about you and your vehicle from GM affiliates, GM dealers, GM licensees for consumer merchandise, GM credit card bank partners and other sources such as companies that provide lists of potential vehicle purchasers and current owners, if such companies are permitted to share your information with us pursuant to their privacy statements.

It’s becoming apparent that vehicles also collect a lot of interesting data on drivers themselves, placing their privacy at risk. Senator Markey found that most manufacturers collect data on customers, but often drivers are “not explicitly made aware of data collection and, when they are, they often cannot opt out without disabling valuable features, such as navigation”.

 

 

 

 

Is your social media impacting your credit score?

Your social media posts are now scored to determine if you deserve a good credit score. Yes, I know it sounds like Minority Report, but it is happening today.

It’s no secret that a Facebook post can get you fired from a job or prevent you from getting a job in the future. This all comes back to the first impressions, even if they are driven by social media.

Sharing your life on social media is giving insight to credit companies regarding your willingness to repay and debit. “They say a clean image on Facebook shows customers can be trusted to repay their debt, while certain pictures and posts can show they can’t be trusted”

“If you look at how many times a person says ‘wasted’ in their profile, it has some value in predicting whether they’re going to repay their debt,” Will Lansing, Chief Executive at credit rating company FICO, told the Financial Times.

See Forbes article: October 23, 2015

Your credit score can cost you money in the long run, with less favorable interest rates on car or home loans. I’m not sure there is a proven theory today that your credit worthiness can be determined by your social media likes/dislikes and posts.

Here’s the bottom line: we all create a lot of digital data, some of it is very personal some of it is fun and entertaining. But if this data is going to be available for companies to determine if you are an ideal employee or if your interest rate should be at a premium, then we as individuals need to know more about our rights and access to this data. These companies include government, retailers, insurance agencies and employers.

If this data is creating $$ for big organizations, then we as owners/creators of this data need to:

  • understanding what data is being captured and how it being used
  • own our individual data – if this data is valuable to companies and being used for/against us– then we should have a solid say in how, where, when this information is passed.

Remember – if the product is free (Twitter, Facebook, etc) then you are the product (via data that is created and captured this can include locations, likes, activities).

 

Zip Code + Birthday = identification

All you need is a birthdate, a zip code and your gender to go from anonymous to identify.  These harmless pieces of information can give you enough information to be able to find or identify an individual.
Using these 3 pieces of information can unique identify 87% of the US population.

  • Our US population is 48% male and 52% female.
  • On the day you were born, there were approximately 11,500 other babies being born that day.
  • There is an average of 10,000 people in each zip code.

So in some very populated cities; New York, Chicago, you may find an individual that shares your exact information. (Or if you and your same sex twin still live together.)

Magnetic strip verse a Chip

What’s the difference between the credit card magnetic strip and the new chip?

The magnetic strip contains the exact information used to identify the card (see types of data below). The chip holds a piece of information that it doesn’t share, but that it can use to prove it has that information.

Thus, a magnetic stripe is dumb and can be copied, but since the chip doesn’t give out its secret, a vendor can’t simply copy it when you use it.

The chipped cards will be safer to use than the traditional credit, charge and debit cards that have only the familiar magnetic stripe along the back.

A magnetic stripe says “I’m credit card ABC.” when the point of sale asks the number. With a chip the point of sale says “what is your response to this random value?” and the chip gives a response that the point of sale can validate, but since the next point of sale will use a different random value, the response is useless to a thief

However, the new payment cards are not as safe as they could be. Chip cards are still vulnerable to online/card-not-present fraud.

Some of the data stored on your magnetic strip:

  • Primary account number(PAN) — up to 19 characters. Usually, but not always, matches the credit card number printed on the front of the card.
  • Name— 2 to 26 characters
  • Expiration date— four characters in the form YYMM.
  • Service code— three characters

Service code values common in financial cards:

First digit

1: International interchange OK

2: International interchange, use IC (chip)where feasible

5: National interchange only except under bilateral agreement

6: National interchange only except under bilateral agreement, use IC (chip) where feasible

7: No interchange except under bilateral agreement (closed loop)

9: Test

Second digit

0: Normal

2: Contact issuer via online means

4: Contact issuer via online means except under bilateral agreement

Third digit

0: No restrictions, PIN required

1: No restrictions

2: Goods and services only (no cash)

3: ATM only, PIN required

4: Cash only

5: Goods and services only (no cash), PIN required

6: No restrictions, use PIN where feasible

7: Goods and services only (no cash), use PIN where feasible

 

 

 

How many times has YOUR DIGITAL DATA been exposed?

The New York Times: How many times has your personal information been exposed to hackers?

The NYT has put together an interactive assessment tool to highlight a problem that a reader may only passively consume.

  • Participants answer a series of questions about jobs they’ve applied for, online services they’ve signed up for, who their health insurance providers have been, and at which retailers they’ve used credit or debit cards.
  • As they do that, the assessment tool dynamically updates a tally of how many times different pieces of the participant’s personal information have been exposed to hackers.

It makes the story come alive — and makes it very personal to each reader.

  • At the end of the assessment, The New York Times gives you links to both the stories they’ve published on each individual hacking and, more importantly, links to the announcements from the companies that were hacked, which often include remediation options for those affected.

How your digital data provides value to a retailer.

Your data is important to a retailer. Read this story on what Standard General will pay for the customer data

Radio Shack – how customer data provides value after bankruptcy.

 

 

 

Standard General bid $26.2 million for the intellectual property package, which included trademarks along with customer information. The companies did not value the customer data alone. Standard General, which is working with Sprint Corp.S +1.08% to revive RadioShack-branded stores, could use the names and addresses to inform customers that RadioShack is alive.

RadioShack might have gotten more money had it included behavioral data, such as transaction histories, Ms. Wixom said. “The more nuanced the data, the more potential value there is.”