I integrate these kinds of systems in order to prevent criminals from being able to use our ecommerce platform to utilize stolen credit cards.
That involves integrating with tracking providers to best recognize whether a purchase is being made by a bot or not, whether it matches "Normal" signals for that kind of order, and importantly, whether the credit card is being used by the normal tracking identity that uses it.
Even the GDPR gives us enormous leeway to do literally this, but it requires participating in tracking networks that have what amounts to a total knowledge of purchases and browsing you do on the internet. That's the only way they work at all. And they work very well.
Is it Ethical?
It is a huge portion of the reason why ecommerce is possible, and significantly reduces credit card fraud, and in our specific case, drastically limits the ability of a criminal to profit off of stolen credit cards.
Are people better off from my work? If you do not visit our platforms, you are not tracked by us specifically, but the providers we work with are tracking you all over the web, and definitely not just on ecommerce.
What I'm wondering is if this requires sending the full list of extensions straight to a server (as opposed to a more privacy-protecting approach like generating some type of hash clientside)?
Based on their privacy policy, it looks like Sift (major anti-fraud vendor) collects only "number of plugins" and "plugins hash". No one can accuse them of collecting the plugins for some dual-use purpose beyond fingerprinting, but LinkedIn has opened themselves up to this based on the specific implementation details described.
The SOP of this entire industry is "Include this javascript link in your tag manager of choice", and it will run whatever javascript it can to collect whatever they want to collect. You then integrate in the back end to investigate the signals they sell you. America has no GDPR or similar law, so your "privacy" never enters the picture. They do not even think about it.
This includes things like the motion of your mouse pointer, typing events including dwell times, fingerprints. If our providers are scanning the list of extensions you have installed, they aren't sharing that with us. That seems overkill IMO for what they are selling, but their business is spyware so...
On the backend, we generally get the results and some signals. We do not get the massive pack of data they have collected on you. That is the tracking company's prime asset. They sell you conclusions using that data, though most sell you vague signals and you get to make your own conclusions.
Frankly, most of these providers work extremely well.
Sometimes, one of our tracking vendors gets default blackholed by Firefox's anti-tracking policy. I don't know how they manage to "Fix" that but sometimes they do.
Again, to make that clear, I don't care what you think Firefox's incentives are, they objectively are doing things that reduce how tracked you are, and making it harder for these companies to operate and sell their services. Use Firefox.
In terms of "Is there a way to do this while preserving privacy?", it requires very strict regulation about who is allowed to collect what. Lots of data should be collected and forwarded to the payment network, who would have sole legal right to collect and use such data, and would be strictly regulated in how they can use such data, and the way payment networks handle fraud might change. That's the only way to maintain strong credit card fraud prevention in ecommerce, privacy, status quo of use for customers, and generally easy to use ecommerce. It would have the added benefit of essentially banning Google's tracking. It would ban "Fraud prevention as a service" though, except as sold by payment networks.
Mandating that tracking for anti-fraud be vertically integrated with the payment network seems unnecessary. Surely the law could instead mandate the acceptable uses of such data? The issue at present appears to be the lack of regulation, not scofflaws.
I'm not convinced tracking is the only or even a very good way to go about this though. Mandating chip use would largely solve the issue as it currently stands (at least AFAIK). The card provider doing 2FA on their end prior to payment approval seems like it works just as well in practice.
At this point my expectation is that I have to do 2FA when first adding a new card to a platform. I'm not clear why they should need to track me at that point.
No, credit card companies should be made to develop robust solutions to protect themselves from cards being able to be stolen. It's not like secure authentication isn't a relatively solved problem. They've obviously managed to foist the problem on you and make you come up with shitty solutions. But that's bad.
> Even the GDPR gives us enormous leeway to do literally this, but it requires participating in tracking networks that have what amounts to a total knowledge of purchases and browsing you do on the internet. That's the only way they work at all.
That data sounds like it would be very valuable.
But I think if I sell widgets and a prospective customer browsers my site, telling my competitors (via a data broker) that customer is in the market for widgets is not a smart move.
How do such tracking networks get the cooperation of retailers, when it’s against the retailers interests to have their customers tracked?
That data is very valuable. It's their entire business.
The tracking network is NOT our competitor, nor is it a competitor to any of our competitors. It is a third party outside of our market. We buy fraud signals from them, not the data.
We do not get to learn anything about any other ecommerce from them. They collect info from all ecommerce that buys from them, and any partnerships they have, and they sell us derived signals that we can use to deny transactions that are most likely fraudulent.
That's why they get the cooperation of retailers. They save retailers lots of money, they enable ecommerce to exist basically at all, there's no downside but their price, and they charge big bucks.
There's very little actual "Data brokering" going on. Almost all tracking is done as a company collecting data as an asset, and selling derivations of that data. Why would a tracking company sell the data itself? That's their core IP.
What's funny is that all the retailers could replace that expensive contract with a very very cheap alliance of all interested retailers where you pay some portion of a collective AWS bill and submit your signals and everyone benefits collectively, but US business loves to buy services rather than solve problems efficiently.
Some people point at your raw data not being openly available for some sort of "It's not that bad" conclusion which is absurd. You can't buy the raw data but a third party will happily sell whatever "Against the current regime bit" the right buyer wants. Think of a way the raw data can be used against you and then add to that situation a layer of indirection that gives everyone involved plausible deniability.
I suspect a lot of retailers simply aren’t aware that that data is being collected and sold off to their competitors (or to ad networks so their competitors can poach their audience)
That involves integrating with tracking providers to best recognize whether a purchase is being made by a bot or not, whether it matches "Normal" signals for that kind of order, and importantly, whether the credit card is being used by the normal tracking identity that uses it.
Even the GDPR gives us enormous leeway to do literally this, but it requires participating in tracking networks that have what amounts to a total knowledge of purchases and browsing you do on the internet. That's the only way they work at all. And they work very well.
Is it Ethical?
It is a huge portion of the reason why ecommerce is possible, and significantly reduces credit card fraud, and in our specific case, drastically limits the ability of a criminal to profit off of stolen credit cards.
Are people better off from my work? If you do not visit our platforms, you are not tracked by us specifically, but the providers we work with are tracking you all over the web, and definitely not just on ecommerce.
Should this be allowed?