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• FFPLAY read mp4 file from HTTP sever : report error : stream 1, offset 0x1c33 : partial file

  25 mai 2018, par whmiao

  I use command line like :

  ffplay http://192.168.4.56:5656/files/video/failed_111.mp4

  output :
  ffplay version N-87130-g2b9fd15 Copyright (c) 2003-2017 the FFmpeg developers
  built with gcc 7.1.0 (GCC)
  configuration : —enable-gpl —enable-version3 —enable-cuda —enable-cuvid —enable-d3d11va —enable-dxva2 —enable-libmfx —enable-nvenc —enable-avisynth —enable-bzlib —enable-fontconfig —enable-frei0r —enable-gnutls —enable-iconv —enable-libass —enable-libbluray —enable-libbs2b —enable-libcaca —enable-libfreetype —enable-libgme —enable-libgsm —enable-libilbc —enable-libmodplug —enable-libmp3lame —enable-libopencore-amrnb —enable-libopencore-amrwb —enable-libopenh264 —enable-libopenjpeg —enable-libopus —enable-librtmp —enable-libsnappy —enable-libsoxr —enable-libspeex —enable-libtheora —enable-libtwolame —enable-libvidstab —enable-libvo-amrwbenc —enable-libvorbis —enable-libvpx —enable-libwavpack —enable-libwebp —enable-libx264 —enable-libx265 —enable-libxavs —enable-libxvid —enable-libzimg —enable-lzma —enable-zlib
  libavutil 55. 74.100 / 55. 74.100
  libavcodec 57.104.100 / 57.104.100
  libavformat 57. 79.100 / 57. 79.100
  libavdevice 57. 8.100 / 57. 8.100
  libavfilter 6.101.100 / 6.101.100
  libswscale 4. 7.103 / 4. 7.103
  libswresample 2. 8.100 / 2. 8.100
  libpostproc 54. 6.100 / 54. 6.100
  [mov,mp4,m4a,3gp,3g2,mj2 @ 00000000025048e0] stream 1, offset 0x1c33 : partial file
  [mov,mp4,m4a,3gp,3g2,mj2 @ 00000000025048e0] Could not find codec parameters for stream 0 (Video : h264 (avc1 / 0x31637661), none(tv, bt709), 544x960, 1140 kb/s) : unspecified pixel format
  Consider increasing the value for the ’analyzeduration’ and ’probesize’ options

  I download the file,Open local storage,It works well,like :

  ffplay e:\failed_111.mp4

  file can download from :
  https://pan.baidu.com/s/19H9cl3YAjG-AK60nIn0KzQ

• Open Banking Security 101 : Is open banking safe ?

  3 décembre 2024, par Daniel Crough — Banking and Financial Services

  Open banking is changing the financial industry. Statista reports that open banking transactions hit $57 billion worldwide in 2023 and will likely reach $330 billion by 2027. According to ACI, global real-time payment (RTP) transactions are expected to exceed $575 billion by 2028.

  Open banking is changing how banking works, but is it safe ? And what are the data privacy and security implications for global financial service providers ?

  This post explains the essentials of open banking security and addresses critical data protection and compliance questions. We’ll explore how a privacy-first approach to data analytics can help you meet regulatory requirements, build customer trust and ultimately thrive in the open banking market while offering innovative financial products.

   

  

  

  EU Financial Services Analytics Maturity Report

  Discover trends, strategies, and opportunities to balance compliance and competitiveness.

  Download the report now

  What is open banking ?

  Open banking is a system that connects banks, authorised third-party providers and technology, empowering customers to securely share their financial data with other companies. At the same time, it unlocks access to more innovative and personalised financial products and services like spend management solutions, tailored budgeting apps and more convenient payment gateways. 

  With open banking, consumers have greater choice and control over their financial data, ultimately fostering a more competitive financial industry, supporting technological innovation and paving the way for a more customer-centric financial future.

  Imagine offering your clients a service that analyses spending habits across all accounts — no matter the institution — and automatically finds ways to save them money. Envision providing personalised financial advice tailored to individual needs or enabling customers to apply for a mortgage with just a few taps on their phone. That’s the power of open banking.

  Embracing this technology is an opportunity for banks and fintech companies to build new solutions for customers who are eager for a more transparent and personalised digital experience.

  How is open banking different from traditional banking ?

  In traditional banking, consumers’ financial data is locked away and siloed within each bank’s systems, accessible only to the bank and the account holder. While account holders could manually aggregate and share this data, the process is cumbersome and prone to errors.

  With open banking, users can choose what data to share and with whom, allowing trusted third-party providers to access their financial information directly from the source. 

  

  How does open banking work ?

  The technology that makes open banking possible is the application programming interface (API). Think of banking APIs as digital translators for different software systems ; instead of translating languages, they translate data and code.

  The bank creates and publishes APIs that provide secure access to specific types of customer data, like credit card transaction history and account balances. The open banking API acts like a friendly librarian, ready to assist apps in accessing the information they need in a secure and organised way.

  Third-party providers, like fintech companies, use these APIs to build their applications and services. Some tech companies also act as intermediaries between fintechs and banks to simplify connections to multiple APIs simultaneously.

  For example, banks like BBVA (Spain) and Capital One (USA) offer secure API platforms. Fintechs like Plaid and TrueLayer use those banking APIs as a bridge to users’ financial data. This bridge gives other service providers like Venmo, Robinhood and Coinbase access to customer data, allowing them to offer new payment gateways and investment tools that traditional banks don’t provide.

  Is open banking safe for global financial services ?

  Yes, open banking is designed from the ground up to be safe for global financial services.

  Open banking doesn’t make customer financial data publicly available. Instead, it uses a secure, regulated framework for sharing information. This framework relies on strong security measures and regulatory oversight to protect user data and ensure responsible access by authorised third-party providers.

  In the following sections, we’ll explore the key security features and banking regulations that make this technology safe and reliable.

  Regulatory compliance in open banking

  Regulatory oversight is a cornerstone of open banking security.

  In the UK and the EU, strict regulations govern how companies access and use customer data. The revised Payment Services Directive (PSD2) in Europe mandates strong customer authentication and secure communication, promoting a high level of security for open banking services.

  To offer open banking services, companies must register with their respective regulatory bodies and comply with all applicable data protection laws.

  For example, third-party service providers in the UK must be authorised by the Financial Conduct Authority (FCA) and listed on the Financial Services Register. Depending on the service they provide, they must get an Account Information Service Provider (AISP) or a Payment Initiation Service Provider (PISP) license.

  Similar regulations and registries exist across Europe, enforced by the European National Competent Authority, like BaFin in Germany and the ACPR in France.

  In the United States, open banking providers don’t require a special federal license. However, this will soon change, as the U.S. Consumer Financial Protection Bureau (CFPB) unveiled a series of rules on 22 October 2024 to establish a regulatory framework for open banking.

  These regulations ensure that only trusted providers can participate in the open banking ecosystem. Anyone can check if a company is a trusted provider on public databases like the Regulated Providers registry on openbanking.org.uk. While being registered doesn’t guarantee fair play, it adds a layer of safety for consumers and banks.

  Key open banking security features that make it safe for global financial services

  Open banking is built on a foundation of solid security measures. Let’s explore five key features that make it safe and reliable for financial institutions and their customers.

  

  Strong Customer Authentication (SCA)

  Strong Customer Authentication (SCA) is a security principle that protects against unauthorised access to user financial data. It’s a regulated and legally required form of multi-factor authentication (MFA) within the European Economic Area.

  SCA mandates that users verify their identity using at least two of the following three factors :

  • Something they know (a password, PIN, security question, etc.)
  • Something they have (a mobile phone, a hardware token or a bank card)
  • Something they are (a fingerprint, facial recognition or voice recognition)

  This type of authentication helps reduce the risk of fraud and unauthorised transactions.

  API security

  PSD2 regulations mandate that banks provide open APIs, giving consumers the right to use any third-party service provider for their online banking services. According to McKinsey research, this has led to a surge in API adoption within the banking sector, with the largest banks allocating 14% of their IT budget to APIs. 

  To ensure API security, banks and financial service providers implement several measures, including :

  • API gateways, which act as a central point of control for all API traffic, enforcing security policies and preventing unauthorised access
  • API keys and tokens to authenticate and authorise API requests (the equivalent of a library card for apps)
  • Rate limiting to prevent denial-of-service attacks by limiting the number of requests a third-party application can make within a specific timeframe
  • Regular security audits and penetration testing to identify and address potential vulnerabilities in the API infrastructure

  Data minimisation and purpose limitation

  Data minimisation and purpose limitation are fundamental principles of data protection that contribute significantly to open banking safety.

  Data minimisation means third parties will collect and process only the data necessary to provide their service. Purpose limitation requires them to use the collected data only for its original purpose.

  For example, a budgeting app that helps users track their spending only needs access to transaction history and account balances. It doesn’t need access to the user’s full transaction details, investment portfolio or loan applications.

  Limiting the data collected from individual banks significantly reduces the risk of potential misuse or exposure in a data breach.

  Encryption

  Encryption is a security method that protects data in transit and at rest. It scrambles data into an unreadable format, making it useless to anyone without the decryption key.

  In open banking, encryption protects users’ data as it travels between the bank and the third-party provider’s systems via the API. It also protects data stored on the bank’s and the provider’s servers. Encryption ensures that even if a breach occurs, user data remains confidential.

  Explicit consent

  In open banking, before a third-party provider can access user data, it must first inform the user what data it will pull and why. The customer must then give their explicit consent to the third party collecting and processing that data.

  This transparency and control are essential for building trust and ensuring customers feel safe using third-party services.

  But beyond that, from the bank’s perspective, explicit customer consent is also vital for compliance with GDPR and other data protection regulations. It can also help limit the bank’s liability in case of a data breach.

  Explicit consent goes beyond sharing financial data. It’s also part of new data privacy regulations around tracking user behaviour online. This is where an ethical web analytics solution like Matomo can be invaluable. Matomo fully complies with some of the world’s strictest privacy regulations, like GDPR, lGPD and HIPAA. With Matomo, you get peace of mind knowing you can continue gathering valuable insights to improve your services and user experience while respecting user privacy and adhering to regulations.

  Risks of open banking for global financial services

  While open banking offers significant benefits, it’s crucial to acknowledge the associated risks. Understanding these risks allows financial institutions to implement safeguards and protect themselves and their customers.

  

  Risk of data breaches

  By its nature, open banking is like adding more doors and windows to your house. It’s convenient but also gives burglars more ways to break in.

  Open banking increases what cybersecurity professionals call the “attack surface,” or the number of potential points of vulnerability for hackers to steal financial data.

  Data breaches are a serious threat to banks and financial institutions. According to IBM’s 2024 Cost of a Data Breach Report, each breach costs companies in the US an average of $4.88 million. Therefore, banks and fintechs must prioritise strong security measures and data protection protocols to mitigate these risks.

  Risk of third-party access

  By definition, open banking involves granting third-party providers access to customer financial information. This introduces a level of risk outside the bank’s direct control.

  Financial institutions must carefully vet third-party providers, ensuring they meet stringent security standards and comply with all relevant data protection regulations.

  Risk of user account takeover

  Open banking can increase the risk of user account takeover if adequate security measures are not in place. For example, if a malicious third-party provider gains unauthorised access to a user’s bank login details, they could take control of the user’s account and make fraudulent bank transactions.

  A proactive approach to security, continuous monitoring and a commitment to evolving best practices and security protocols are crucial for navigating the open banking landscape.

  Open banking and data analytics : A balancing act for financial institutions

  The additional data exchanged through open banking unveils deeper insights into customer behaviour and preferences. This data can fuel innovation, enabling the development of personalised products and services and improved risk management strategies.

  However, using this data responsibly requires a careful balancing act.

  Too much reliance on data without proper safeguards can erode trust and invite regulatory issues. The opposite can stifle innovation and limit the technology’s potential.

  Matomo Analytics derisks web and app environments by giving full control over what data is tracked and how it is stored. The platform prioritises user data privacy and security while providing valuable data and analytics that will be familiar to anyone who has used Google Analytics.

  Open banking, data privacy and AI

  The future of open banking is entangled with emerging technologies like artificial intelligence (AI) and machine learning. These technologies significantly enhance open banking analytics, personalise services, and automate financial tasks.

  Several banks, credit unions and financial service providers are already exploring AI’s potential in open banking. For example, HSBC developed the AI-enabled FX Prompt in 2023 to improve forex trading. The bank processed 823 million client API calls, many of which were open banking.

  However, using AI in open banking raises important data privacy considerations. As the American Bar Association highlights, balancing personalisation with responsible AI use is crucial for open banking’s future. Financial institutions must ensure that AI-driven solutions are developed and implemented ethically, respecting customer privacy and data protection.

  Conclusion

  Open banking presents a significant opportunity for innovation and growth in the financial services industry. While it’s important to acknowledge the associated risks, security measures like explicit customer consent, encryption and regulatory frameworks make open banking a safe and reliable system for banks and their clients.

  Financial service providers must adopt a multifaceted approach to data privacy, implementing privacy-centred solutions across all aspects of their business, from open banking to online services and web analytics.

  By prioritising data privacy and security, financial institutions can build customer trust, unlock the full potential of open banking and thrive in today’s changing financial environment.

• What Is Data Misuse & How to Prevent It ? (With Examples)

  13 mai 2024, par Erin

  Your data is everywhere. Every time you sign up for an email list, log in to Facebook or download a free app onto your smartphone, your data is being taken.

  This can scare customers and users who fear their data will be misused.

  While data can be a powerful asset for your business, it’s important you manage it well, or you could be in over your head.

  In this guide, we break down what data misuse is, what the different types are, some examples of major data misuse and how you can prevent it so you can grow your brand sustainably.

  What is data misuse ?

  Data is a good thing.

  It helps analysts and marketers understand their customers better so they can serve them relevant information, products and services to improve their lives.

  But it can quickly become a bad thing for both the customers and business owners when it’s mishandled and misused.

  

  Data misuse is when a business uses data outside of the agreed-upon terms. When companies collect data, they need to legally communicate how that data is being used. 

  Who or what determines when data is being misused ?

  Several bodies :

  • User agreements
  • Data privacy laws
  • Corporate policies
  • Industry regulations

  There are certain laws and regulations around how you can collect and use data. Failure to comply with these guidelines and rules can result in several consequences, including legal action.

  Keep reading to discover the different types of data misuse and how to prevent it.

  3 types of data misuse

  There are a few different types of data misuse.

  If you fail to understand them, you could face penalties, legal trouble and a poor brand reputation.

  

  1. Commingling

  When you collect data, you need to ensure you’re using it for the right purpose. Commingling is when an organisation collects data from a specific audience for a specific reason but then uses the data for another purpose.

  One example of commingling is if a company shares sensitive customer data with another company. In many cases, sister companies will share data even if the terms of the data collection didn’t include that clause.

  Another example is if someone collects data for academic purposes like research but then uses the data later on for marketing purposes to drive business growth in a for-profit company.

  In either case, the company went wrong by not being clear on what the data would be used for. You must communicate with your audience exactly how the data will be used.

  2. Personal benefit

  The second common way data is misused in the workplace is through “personal benefit.” This is when someone with access to data abuses it for their own gain.

  The most common example of personal benefit data muse is when an employee misuses internal data.

  While this may sound like each instance of data misuse is caused by malicious intent, that’s not always the case. Data misuse can still exist even if an employee didn’t have any harmful intent behind their actions. 

  One of the most common examples is when an employee mistakenly moves data from a company device to personal devices for easier access.

  3. Ambiguity

  As mentioned above, when discussing commingling, a company must only use data how they say they will use it when they collect it.

  A company can misuse data when they’re unclear on how the data is used. Ambiguity is when a company fails to disclose how user data is being collected and used.

  This means communicating poorly on how the data will be used can be wrong and lead to misuse.

  One of the most common ways this happens is when a company doesn’t know how to use the data, so they can’t give a specific reason. However, this is still considered misuse, as companies need to disclose exactly how they will use the data they collect from their customers.

  Laws on data misuse you need to follow

  Data misuse can lead to poor reputations and penalties from big tech companies. For example, if you step outside social media platforms’ guidelines, you could be suspended, banned or shadowbanned.

  But what’s even more important is certain types of data misuse could mean you’re breaking laws worldwide. Here are some laws on data misuse you need to follow to avoid legal trouble :

  General Data Protection Regulation (GDPR)

  The GDPR, or General Data Protection Regulation, is a law within the European Union (EU) that went into effect in 2018.

  The GDPR was implemented to set a standard and improve data protection in Europe. It was also established to increase accountability and transparency for data breaches within businesses and organisations.

  The purpose of the GDPR is to protect residents within the European Union.

  The penalties for breaking GDPR laws are fines up to 20 million Euros or 4% of global revenues (whatever the higher amount is).

  The GDPR doesn’t just affect companies in Europe. You can break the GDPR’s laws regardless of where your organisation is located worldwide. As long as your company collects, processes or uses the personal data of any EU resident, you’re subject to the GDPR’s rules.

  If you want to track user data to grow your business, you need to ensure you’re following international data laws. Tools like Matomo—the world’s leading privacy-friendly web analytics solution—can help you achieve GDPR compliance and maintain it.

  With Matomo, you can confidently enhance your website’s performance, knowing that you’re adhering to data protection laws. 

  Try Matomo for Free

  Get the web insights you need, without compromising data accuracy.

  Start for free

  No credit card required

  California Consumer Privacy Act (CCPA)

  The California Consumer Privacy Act (CCPA) is another important data law companies worldwide must follow.

  Like GDPR, the CCPA is a data privacy law established to protect residents of a certain region — in this case, residents of California in the United States.

  The CCPA was implemented in 2020, and businesses worldwide can be penalised for breaking the regulations. For example, if you’re found violating the CCPA, you could be fined $7,500 for each intentional violation.

  If you have unintentional violations, you could still be fined, but at a lesser fee of $2,500.

  The Gramm-Leach-Bliley Act (GLBA)

  If your business is located within the United States, then you’re subject to a federal law implemented in 1999 called The Gramm-Leach-Bliley Act (GLB Act or GLBA).

  The GLBA is also known as the Financial Modernization Act of 1999. Its purpose is to control the way American financial institutions handle consumer data. 

  In the GLBA, there are three sections :

  1. The Financial Privacy Rule : regulates the collection and disclosure of private financial data.
  2. Safeguards Rule : Financial institutions must establish security programs to protect financial data.
  3. Pretexting Provisions : Prohibits accessing private data using false pretences.

  The GLBA also requires financial institutions in the U.S. to give their customers written privacy policy communications that explain their data-sharing practices.

  4 examples of data misuse in real life

  If you want to see what data misuse looks like in real life, look no further.

  Big tech is central to some of the biggest data misuses and scandals.

  

  Here are a few examples of data misuse in real life you should take note of to avoid a similar scenario :

  1. Facebook election interference

  One of history’s most famous examples of data misuse is the Facebook and Cambridge Analytica scandal in 2018.

  During the 2018 U.S. midterm elections, Cambridge Analytica, a political consulting firm, acquired personal data from Facebook users that was said to have been collected for academic research.

  Instead, Cambridge Analytica used data from roughly 87 million Facebook users. 

  This is a prime example of commingling.

  The result ? Cambridge Analytica was left bankrupt and dissolved, and Facebook was fined $5 billion by the Federal Trade Commission (FTC).

  2. Uber “God View” tracking

  Another big tech company, Uber, was caught misusing data a decade ago. 

  Why ?

  Uber implemented a new feature for its employees in 2014 called “God View.”

  The tool enabled Uber employees to track riders using their app. The problem was that they were watching them without the users’ permission. “God View” lets Uber spy on their riders to see their movements and locations.

  The FTC ended up slapping them with a major lawsuit, and as part of their settlement agreement, Uber agreed to have an outside firm audit their privacy practices between 2014 and 2034.

  

  3. Twitter targeted ads overstep

  In 2019, Twitter was found guilty of allowing advertisers to access its users’ personal data to improve advertisement targeting.

  Advertisers were given access to user email addresses and phone numbers without explicit permission from the users. The result was that Twitter ad buyers could use this contact information to cross-reference with Twitter’s data to serve ads to them.

  Twitter stated that the data leak was an internal error. 

  4. Google location tracking

  In 2020, Google was found guilty of not explicitly disclosing how it’s using its users’ personal data, which is an example of ambiguity.

  The result ?

  The French data protection authority fined Google $57 million.

  8 ways to prevent data misuse in your company

  Now that you know the dangers of data misuse and its associated penalties, it’s time to understand how you can prevent it in your company.

  

  Here are eight ways you can prevent data misuse :

  1. Track data with an ethical web analytics solution

  You can’t get by in today’s business world without tracking data. The question is whether you’re tracking it safely or not.

  If you want to ensure you aren’t getting into legal trouble with data misuse, then you need to use an ethical web analytics solution like Matomo.

  With it, you can track and improve your website performance while remaining GDPR-compliant and respecting user privacy. Unlike other web analytics solutions that monetise your data and auction it off to advertisers, with Matomo, you own your data.

  Try Matomo for Free

  Get the web insights you need, without compromising data accuracy.

  Start for free

  No credit card required

  2. Don’t share data with big tech

  As the data misuse examples above show, big tech companies often violate data privacy laws.

  And while most of these companies, like Google, appear to be convenient, they’re often inconvenient (and much worse), especially regarding data leaks, privacy breaches and the sale of your data to advertisers.

  Have you ever heard the phrase : “You are the product ?” When it comes to big tech, chances are if you’re getting it for free, you (and your data) are the products they’re selling.

  The best way to stop sharing data with big tech is to stop using platforms like Google. For more ideas on different Google product alternatives, check out this list of Google alternatives.

  3. Identity verification 

  Data misuse typically isn’t a company-wide ploy. Often, it’s the lack of security structure and systems within your company. 

  An important place to start is to ensure proper identity verification for anyone with access to your data.

  4. Access management

  After establishing identity verification, you should ensure you have proper access management set up. For example, you should only give specific access to specific roles in your company to prevent data misuse.

  5. Activity logs and monitoring

  One way to track data misuse or breaches is by setting up activity logs to ensure you can see who is accessing certain types of data and when they’re accessing it.

  You should ensure you have a team dedicated to continuously monitoring these logs to catch anything quickly.

  6. Behaviour alerts 

  While manually monitoring data is important, it’s also good to set up automatic alerts if there is unusual activity around your data centres. You should set up behaviour alerts and notifications in case threats or compromising events occur.

  7. Onboarding, training, education

  One way to ensure quality data management is to keep your employees up to speed on data security. You should ensure data security is a part of your employee onboarding. Also, you should have regular training and education to keep people informed on protecting company and customer data.

  8. Create data protocols and processes 

  To ensure long-term data security, you should establish data protocols and processes. 

  To protect your user data, set up rules and systems within your organisation that people can reference and follow continuously to prevent data misuse.

  Leverage data ethically with Matomo

  Data is everything in business.

  But it’s not something to be taken lightly. Mishandling user data can break customer trust, lead to penalties from organisations and even create legal trouble and massive fines.

  You should only use privacy-first tools to ensure you’re handling data responsibly.

  Matomo is a privacy-friendly web analytics tool that collects, stores and tracks data across your website without breaking privacy laws.

  With over 1 million websites using Matomo, you can track and improve website performance with :

  • Accurate data (no data sampling)
  • Privacy-friendly and compliant with privacy regulations like GDPR, CCPA and more
  • Advanced features like heatmaps, session recordings, A/B testing and more

  Try Matomo free for 21-days. No credit card required.

  Try Matomo for Free

  21 day free trial. No credit card required.

  
  

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