{"id":12388,"date":"2024-06-03T16:41:34","date_gmt":"2024-06-03T13:41:34","guid":{"rendered":"https:\/\/www.kaspersky.com.tr\/blog\/?p=12388"},"modified":"2024-06-03T16:41:34","modified_gmt":"2024-06-03T13:41:34","slug":"car-manufacturers-silently-sell-user-telematics-data","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com.tr\/blog\/car-manufacturers-silently-sell-user-telematics-data\/12388\/","title":{"rendered":"Ge\u00e7en yaz nas\u0131l araba kulland\u0131\u011f\u0131n\u0131 biliyorum"},"content":{"rendered":"

\u201cBe\u015finci Element\u201d filminin ba\u015flar\u0131nda, gelecekteki d\u00fcnyan\u0131n distopik do\u011fas\u0131n\u0131 g\u00f6steren bir sahne vard\u0131r; Korben Dallas\u2019\u0131n ak\u0131ll\u0131 taksisi ona trafik cezas\u0131 keser ve ehliyetini iptal eder. 1997 y\u0131l\u0131nda bilim kurgu olarak kabul edilen bu sahne bug\u00fcn ger\u00e7e\u011fe d\u00f6n\u00fc\u015f\u00fcyor. Gelin en ba\u015ftan ba\u015flay\u0131m\u2026<\/p>\n

K\u0131sa bir s\u00fcre \u00f6nce, g\u00fcn\u00fcm\u00fcz ara\u00e7lar\u0131n\u0131n sahipleri hakk\u0131nda toplanan veri miktar\u0131yla ili\u015fkili potansiyel tehlikeleri<\/a> incelemi\u015ftik. Daha yak\u0131n zamanda yap\u0131lan bir ara\u015ft\u0131rma<\/a> ise bunun s\u00fcr\u00fcc\u00fcler i\u00e7in pratikte ne anlama gelebilece\u011fini ortaya koydu.<\/p>\n

Otomobil \u00fcreticilerinin, uzmanla\u015fm\u0131\u015f veri komisyoncular\u0131 arac\u0131l\u0131\u011f\u0131yla, telematik verilerini sigorta \u015firketlerine satt\u0131\u011f\u0131 ve sigorta \u015firketlerinin de bu verileri dikkatsiz s\u00fcr\u00fcc\u00fclerin sigorta maliyetlerini y\u00fckseltmek i\u00e7in kulland\u0131klar\u0131 ortaya \u00e7\u0131kt\u0131. Ancak en endi\u015fe verici olan\u0131, ara\u00e7 sahiplerinin t\u00fcm bunlardan genellikle haberdar edilmemesi. Biraz daha ayr\u0131nt\u0131l\u0131 bakal\u0131m.<\/p>\n

G\u00fcvenli s\u00fcr\u00fc\u015f\u00fcn geni\u015f kapsaml\u0131 sonu\u00e7larla oyunla\u015ft\u0131r\u0131lmas\u0131<\/h2>\n

Her \u015fey ABD\u2019de; Chevrolet, Cadillac, GMC ve Buick markalar\u0131n\u0131n ana \u015firketi olan General Motors\u2019un ara\u00e7 sahiplerinin, otomobil sigorta primlerinde bir \u00f6nceki d\u00f6neme k\u0131yasla \u00f6nemli bir art\u0131\u015f fark etmesiyle ba\u015flad\u0131. Bunun nedeninin, veri komisyoncusu LexisNexis\u2019in risk profili belirleme uygulamas\u0131 oldu\u011fu ortaya \u00e7\u0131kt\u0131. LexisNexis, genellikle kazalar ve trafik cezalar\u0131 hakk\u0131nda s\u00fcr\u00fcc\u00fc bilgileri sa\u011flamak i\u00e7in otomobil sigortac\u0131lar\u0131yla birlikte \u00e7al\u0131\u015fan bir \u015firket. Ancak i\u015fin garibi, prim art\u0131\u015f\u0131ndan etkilenen ara\u00e7 sahiplerinin kaza veya tehlikeli s\u00fcr\u00fc\u015f ge\u00e7mi\u015fi olmamas\u0131!<\/p>\n

LexisNexis taraf\u0131ndan derlenen profillerin, sigortal\u0131 ara\u00e7la yap\u0131lan t\u00fcm yolculuklar\u0131n ba\u015flang\u0131\u00e7 ve biti\u015f zamanlar\u0131, s\u00fcre, mesafe ve en \u00f6nemlisi t\u00fcm ani h\u0131zlanma ve fren yapma durumlar\u0131 d\u00e2hil olmak \u00fczere ayr\u0131nt\u0131l\u0131 veriler i\u00e7erdi\u011fi tespit edildi. Sigortac\u0131lar bu verileri, kusursuz olmayan s\u00fcr\u00fcc\u00fclerin sigorta primlerini art\u0131rmak i\u00e7in kullan\u0131yorlard\u0131. Peki veri komisyoncusu bu kadar ayr\u0131nt\u0131l\u0131 bilgileri nereden ald\u0131?<\/p>\n

Cevap: General Motors\u2019un OnStar Smart Driver\u2019\u0131ndan. Bu, General Motors ara\u00e7lar\u0131nda ve myChevrolet, myCadillac, myGMC ve myBuick mobil uygulamalar\u0131nda bulunan \u201cg\u00fcvenli s\u00fcr\u00fc\u015f oyunla\u015ft\u0131rma\u201d \u00f6zelli\u011finin ad\u0131d\u0131r. Bu \u00f6zellik; ani h\u0131zlanma ve fren yapma, a\u015f\u0131r\u0131 h\u0131z ve di\u011fer tehlikeli olaylar\u0131 izler ve \u201ciyi\u201d s\u00fcr\u00fc\u015f\u00fc sanal \u00f6d\u00fcllerle \u00f6d\u00fcllendirir.<\/p>\n

\"General<\/a>

OnStar Smart Driver g\u00fcvenli s\u00fcr\u00fc\u015f oyunla\u015ft\u0131rma \u00f6zelli\u011fi General Motors taraf\u0131ndan myChevrolet, myCadillac, myGMC ve myBuick mobil uygulamalar\u0131na yerle\u015ftirilmi\u015ftir. Kaynak<\/a><\/p><\/div>\n

\u00dcstelik baz\u0131 ara\u00e7 sahiplerine g\u00f6re, bu \u00f6zellik kendileri taraf\u0131ndan etkinle\u015ftirilmedi, ara\u00e7 bayisi taraf\u0131ndan devreye sokuldu. Daha da \u00f6nemlisi, ne General Motors\u2019un uygulamalar\u0131 ne de kullan\u0131m ko\u015fullar\u0131, kullan\u0131c\u0131lar\u0131 OnStar Smart Driver verilerinin sigortac\u0131l\u0131k alan\u0131nda faaliyet g\u00f6steren veri komisyoncular\u0131yla payla\u015f\u0131laca\u011f\u0131 konusunda a\u00e7\u0131k\u00e7a uyarmad\u0131.<\/p>\n

Bu \u015feffafl\u0131k eksikli\u011fi OnStar web sitesindeki gizlilik bildirimine<\/a> kadar uzan\u0131yor. A\u00e7\u0131klamada, toplanan verilerin \u00fc\u00e7\u00fcnc\u00fc taraflarla payla\u015f\u0131labilece\u011finden bahsedilmekle birlikte, sigortac\u0131lar \u00f6zel olarak listelenmemi\u015f ve metin genel olarak maksimum mu\u011flakl\u0131\u011f\u0131 hedeflemi\u015f g\u00f6r\u00fcn\u00fcyor.<\/p>\n

Bu arada LexisNexis\u2019in General Motors\u2019un yan\u0131 s\u0131ra \u00fc\u00e7 otomobil \u00fcreticisiyle daha (Kia, Mitsubishi ve Subaru) birlikte \u00e7al\u0131\u015ft\u0131\u011f\u0131 ortaya \u00e7\u0131kt\u0131; bunlar\u0131n hepsi de \u201cS\u00fcr\u00fc\u015f Puan\u0131\u201d veya \u201cS\u00fcr\u00fcc\u00fc Geri Bildirimi\u201d gibi isimler alt\u0131nda benzer g\u00fcvenli s\u00fcr\u00fc\u015f oyunla\u015ft\u0131rma programlar\u0131na sahip.<\/p>\n

\"LexisNexis<\/a>

LexisNexis web sitesine g\u00f6re, veri komisyoncusu ile \u00e7al\u0131\u015fan \u015firketler aras\u0131nda General Motors, Kia, Mitsubishi ve Subaru bulunuyor. Kaynak<\/a><\/p><\/div>\n

Ayn\u0131 zamanda, bir ba\u015fka veri komisyoncusu olan Verisk\u2019in de ara\u00e7 sigortac\u0131lar\u0131na telematik verileri sa\u011flad\u0131\u011f\u0131 tespit edildi. Verisk\u2019in otomotiv m\u00fc\u015fterileri aras\u0131nda General Motors, Honda, Hyundai ve Ford yer al\u0131yor.<\/p>\n

\"Verisk<\/a>

Bir ba\u015fka komisyoncu olan Verisk, telematik sat\u0131\u015f hizmeti tan\u0131m\u0131nda General Motors, Honda, Hyundai ve Ford\u2019u listeliyor. Kaynak<\/a><\/p><\/div>\n

Sonu\u00e7 olarak pek \u00e7ok s\u00fcr\u00fcc\u00fc, kendini s\u00fcr\u00fc\u015f al\u0131\u015fkanl\u0131klar\u0131na dayal\u0131 maliyetleri olan bir araba sigortas\u0131 poli\u00e7esine mahkum edilmi\u015f olarak buldu. Bu t\u00fcr programlar<\/a> eskiden g\u00f6n\u00fcll\u00fcl\u00fck esas\u0131na dayan\u0131yordu ve kat\u0131l\u0131m i\u00e7in belirli bir indirim sunuluyordu, ancak o zaman bile \u00e7o\u011fu s\u00fcr\u00fcc\u00fc programa kat\u0131lmay\u0131 tercih etmiyordu. \u015eimdi ise otomobil \u00fcreticilerinin, m\u00fc\u015fterileri sadece r\u0131zalar\u0131 olmadan de\u011fil, ayn\u0131 zamanda bilgileri olmadan da kaydettikleri g\u00f6r\u00fcl\u00fcyor.<\/p>\n

Eldeki bilgilere g\u00f6re, bu durum \u015fu anda yaln\u0131zca ABD\u2019deki s\u00fcr\u00fcc\u00fclerin ba\u015f\u0131na geliyor. Ancak hepimizin bildi\u011fi gibi ABD\u2019de ba\u015flayan \u015feyler genellikle yay\u0131l\u0131r, dolay\u0131s\u0131yla yak\u0131nda di\u011fer \u00fclkelerde de benzer uygulamalar ortaya \u00e7\u0131kabilir.<\/p>\n

Verilerinizin pe\u015findeki otomobillerden kendinizi nas\u0131l korursunuz?<\/h2>\n

Ne yaz\u0131k ki otomobilinizin veri toplamas\u0131n\u0131 durduracak sihirli bir de\u011fnek yok. Yeni ara\u00e7lar\u0131n \u00e7o\u011fu zaten standart olarak yerle\u015fik telematik sistem ile birlikte geliyor ve bu ara\u00e7lar\u0131n say\u0131s\u0131 git gide artarak<\/a> bir ya da iki y\u0131l i\u00e7inde pazar\u0131n %90\u2019\u0131ndan fazlas\u0131n\u0131 olu\u015fturacak. Do\u011fal olarak, arac\u0131n\u0131z\u0131n \u00fcreticisi telemati\u011fi kapatmay\u0131 kolayla\u015ft\u0131rmayacak ve hatta bu hi\u00e7 m\u00fcmk\u00fcn bile olmayacak.<\/p>\n

Arac\u0131n\u0131z\u0131n \u00fc\u00e7\u00fcnc\u00fc taraflar i\u00e7in hakk\u0131n\u0131zda veri toplamas\u0131 (ya da basit bir ifadeyle casusluk yapmas\u0131) fakt\u00f6r\u00fcn\u00fc g\u00f6z \u00f6n\u00fcnde bulundurmaya haz\u0131rsan\u0131z, otomobil \u00fcreticilerinin izlemesinden nas\u0131l kurtulabilece\u011finize<\/a> dair ayr\u0131nt\u0131l\u0131 ipu\u00e7lar\u0131 i\u00e7eren yaz\u0131m\u0131z\u0131 okuyabilirsiniz ancak k\u00fc\u00e7\u00fck bir spoiler verelim; bu durumdan korunmak pek kolay de\u011fildir ve belgelerin dikkatli bir \u015fekilde incelenmesini ve internete ba\u011fl\u0131 ara\u00e7lar\u0131n baz\u0131 avantajlar\u0131ndan \u00f6d\u00fcn verilmesini gerektirir, bu nedenle bu ipu\u00e7lar\u0131 herkes i\u00e7in i\u015fe yaramayacakt\u0131r.<\/p>\n

Bu yaz\u0131da a\u00e7\u0131klanan s\u00fcr\u00fcc\u00fc verilerinin sigortac\u0131lara sat\u0131lmas\u0131 senaryosuna gelince, tavsiyemiz ara\u00e7 i\u00e7i men\u00fcde ve mobil uygulamada g\u00fcvenli s\u00fcr\u00fc\u015f oyunla\u015ft\u0131rma \u00f6zelli\u011fini araman\u0131z ve devre d\u0131\u015f\u0131 b\u0131rakman\u0131zd\u0131r. Buna \u201cAk\u0131ll\u0131 S\u00fcr\u00fcc\u00fc\u201d, \u201cS\u00fcr\u00fc\u015f Puan\u0131\u201d, \u201cS\u00fcr\u00fcc\u00fc Geri Bildirimi\u201d veya benzer bir ad verilmi\u015f olabilir. ABD\u2019de bulunan s\u00fcr\u00fcc\u00fclere de k\u00f6t\u00fc s\u00fcrprizlere haz\u0131rl\u0131kl\u0131 olmak ve halihaz\u0131rda toplanm\u0131\u015f olan bilgileri silmenin m\u00fcmk\u00fcn olup olmad\u0131\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in LexisNexis<\/a> ve Verisk<\/a>\u2018ten verilerini talep etmeleri tavsiye edilmektedir.<\/p>\n\n","protected":false},"excerpt":{"rendered":"

Ara\u00e7 \u00fcreticileri, internet ba\u011flant\u0131s\u0131 olan ara\u00e7lar\u0131n kullan\u0131c\u0131lar\u0131n\u0131n s\u00fcr\u00fc\u015f al\u0131\u015fkanl\u0131klar\u0131 hakk\u0131nda toplad\u0131\u011f\u0131 verileri veri komisyoncular\u0131na, onlar da sigorta \u015firketlerine sat\u0131yor.<\/p>\n","protected":false},"author":2726,"featured_media":12391,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[994,1351,995],"tags":[970],"class_list":{"0":"post-12388","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-privacy","8":"category-threats","9":"category-technology","10":"tag-arabalar"},"hreflang":[{"hreflang":"tr","url":"https:\/\/www.kaspersky.com.tr\/blog\/car-manufacturers-silently-sell-user-telematics-data\/12388\/"},{"hreflang":"en-in","url":"https:\/\/www.kaspersky.co.in\/blog\/car-manufacturers-silently-sell-user-telematics-data\/27445\/"},{"hreflang":"en-ae","url":"https:\/\/me-en.kaspersky.com\/blog\/car-manufacturers-silently-sell-user-telematics-data\/22764\/"},{"hreflang":"ar","url":"https:\/\/me.kaspersky.com\/blog\/car-manufacturers-silently-sell-user-telematics-data\/11663\/"},{"hreflang":"en-us","url":"https:\/\/usa.kaspersky.com\/blog\/car-manufacturers-silently-sell-user-telematics-data\/30126\/"},{"hreflang":"en-gb","url":"https:\/\/www.kaspersky.co.uk\/blog\/car-manufacturers-silently-sell-user-telematics-data\/27596\/"},{"hreflang":"es-mx","url":"https:\/\/latam.kaspersky.com\/blog\/car-manufacturers-silently-sell-user-telematics-data\/27384\/"},{"hreflang":"es","url":"https:\/\/www.kaspersky.es\/blog\/car-manufacturers-silently-sell-user-telematics-data\/30037\/"},{"hreflang":"it","url":"https:\/\/www.kaspersky.it\/blog\/car-manufacturers-silently-sell-user-telematics-data\/28849\/"},{"hreflang":"ru","url":"https:\/\/www.kaspersky.ru\/blog\/car-manufacturers-silently-sell-user-telematics-data\/37436\/"},{"hreflang":"x-default","url":"https:\/\/www.kaspersky.com\/blog\/car-manufacturers-silently-sell-user-telematics-data\/51245\/"},{"hreflang":"fr","url":"https:\/\/www.kaspersky.fr\/blog\/car-manufacturers-silently-sell-user-telematics-data\/21891\/"},{"hreflang":"pt-br","url":"https:\/\/www.kaspersky.com.br\/blog\/car-manufacturers-silently-sell-user-telematics-data\/22626\/"},{"hreflang":"de","url":"https:\/\/www.kaspersky.de\/blog\/car-manufacturers-silently-sell-user-telematics-data\/31280\/"},{"hreflang":"ja","url":"https:\/\/blog.kaspersky.co.jp\/car-manufacturers-silently-sell-user-telematics-data\/36410\/"},{"hreflang":"ru-kz","url":"https:\/\/blog.kaspersky.kz\/car-manufacturers-silently-sell-user-telematics-data\/27742\/"},{"hreflang":"en-au","url":"https:\/\/www.kaspersky.com.au\/blog\/car-manufacturers-silently-sell-user-telematics-data\/33594\/"},{"hreflang":"en-za","url":"https:\/\/www.kaspersky.co.za\/blog\/car-manufacturers-silently-sell-user-telematics-data\/33257\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com.tr\/blog\/tag\/arabalar\/","name":"arabalar"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/12388","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/users\/2726"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=12388"}],"version-history":[{"count":6,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/12388\/revisions"}],"predecessor-version":[{"id":12398,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/12388\/revisions\/12398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media\/12391"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=12388"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=12388"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=12388"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}