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[無調漢語拼音的缺憾 Toneless Hanyu Pinyin can cause serious problems]GR Tonal Spelling makes names maximally distinctive; Hanyu Pinyin leads to a confusing blend of totally unrelated names that sound quite different to Chinese ears, but look exactly the same to foreign eyes. TL;DR 性命攸關 Outside of China, not using GR Tonal Spelling can have serious, or even life-changing consequencesThree names that look totally different in GR Tonal Spelling: confusingly blended in Hanyu Pinyin:Imaginary, but plausible names: 陸六贏醫師, 魯劉穎大師 and 盧柳鶯大師1. 陸六贏醫師 Dr. Luh Liowyng (Lù Liùyíng Yīshī), the dentist, bears the auspicious name 六贏 “six successes”2. 魯劉穎大師 Master Luu Liouyiing (Lǔ Liúyǐng Dàshī), the photographer, bears the name 劉穎, which is a pun on the word 留影 “take a photo [as a souvenir]” (this phrase is often used for photo captions)3. 盧柳鶯大師 Master Lu Leouing (Lú Liǔyīng), the musician, bears the name 柳鶯 “[literally] willow warbler”, one of many species of songbirds, some of which can be found in Taiwan.In Hanyu Pinyin (promulgated in 1958), Lù Liùyíng ≈ Lǔ Liúyǐng ≈ Lú Liǔyīng are spelled with exactly the same letters. These names look almost identical to foreigners who don’t know Chinese (most of whom ignore the tiny, untypable tone marks) but they sound and look completely different to Chinese police and bureaucrats (Chinese adults only care about the characters; Hanyu Pinyin is a study aid for small children).In GR Tonal Spelling (promulgated in 1928, but ignored by the PRC government), these three names look completely different: Luh Liowyng ≠ Luu Liouyiing ≠ Lu Leouing. Foreign police and bureaucrats cannot and will not learn Chinese characters. They only care about the spelling. Different spelling → obviously different peopleAnswer: Yes, people in Taiwan still use GR Tonal Spelling (a.k.a. Gwoyeu Romatzyh), but it is hiding in plain sight where most foreigners don’t bother looking (not just tour buses ;-). GR Tonal Spelling is used for naming people, clothing, household goods (rubber bands, insecticide), Chinese medicine, noodles, beverages, snacks, doctors’ offices, beauty parlors, restaurants, companies, schools etc.I took all of the photos below within the last month. I live in Taipei, but I managed to locate several samples of GR Tonal Spelling even in Kaohsiung, a DPP stronghold where Southern Min is more popular than Mandarin][Jyma Liuhdow 芝麻綠豆, GR Tonal Spelling (Gwoyeu Romatzyh)—a children’s clothing brand I found in a traditional market] [zhīma lǜdòu][Song Jer CPA 松哲會計師事務所, GR Tonal Spelling (Gwoyeu Romatzyh)—an accounting firm on Nanjing West Road in Taipei. The sign is bigger than the side of a bus, but is only visible when people look up from their cell phones ;-)] [Sōng Zhé][Piin U Bakery 品屋麵包蛋糕, GR Tonal Spelling (Gwoyeu Romatzyh), a bakery/coffee shop in Kaohsiung] [Pǐn Wū][Shiow Chwan Hospital 秀傳醫院, GR Tonal Spelling (Gwoyeu), a private hospital with branches all over Taiwan; name is slightly misspelled (omitted -i-)] [Xiù Chuán][Yuh Tay Farm 裕泰農場, GR Tonal Spelling (Gwoyeu)][jingpiin pyishye 精品皮鞋, GR Tonal Spelling (Gwoyeu), shoe shop in Kaohsiung]GR Tonal Spelling still appears side by side with Bopomofo in many monolingual Chinese dictionaries (字典、詞典) published in Taiwan. Foreign students tend to only consult bilingual dictionaries published outside of Taiwan, so they mostly don’t notice GR’s continued existence.[In Taiwan, dictionaries for native speakers include Bopomofo only, or a mixture of Bopomofo and GR Tonal Spelling/Hanyu Pinyin. Unfortunately, Pinyin is gaining ground; I saw these books in the 國語日報社 Mandarin Daily News bookstore]When it comes to romanization, what most foreigners do notice is the major exception to the use of GR Tonal Spelling: place names, which are a chaotic battlefield for three competing systems: the decrepit 150-year-old Wade-Giles system (and its cousin: Postal Romanization), 1958 Hanyu Pinyin and a modified Pinyin system (slightly different spellings) used mostly in southern Taiwan.Edit: GR Tonal Spelling still survives in certain localities:[Shinnyih Street 信義街 GR Tonal Spelling, 29 June 2019 (Gwoyeu Romatzyh, street sign)] [Xìnyì Jiē, Hanyu Pinyin]Rarely Asked Questions (RAQs)Many people take it for granted that one single commonly-used romanization system is all we need: whatever is used by the majority of Chinese people. The Hanyu Pinyin for everybody approach neglects to consider two important facts:(1) For many western learners, the use of optional diacritics implies that tones are also optional (“Tones are too subtle. I don’t need to be a perfectionist: muddling through is good enough. If I can find the time, I’ll master tones later!”)(2) For Chinese people who spend time abroad, an ill-considered choice of spellings can facilitate identity theft or lead to confusion. The consequences can include canceled credit, job loss, mistaken arrests, medical errors and expensive lawyer’s fees.Rarely-Asked Questions:RAQ 1: Who needs to use romanization?RAQ 2: What is the purpose of romanization?RAQ 3: Why should everyone use the same romanization?RAQ 4: Which problems does Pinyin (un)intentionally ignore?RAQ 5: How is 1928 GR Tonal Spelling better than 1958 Hanyu Pinyin?RAQ 1: Who Needs To Use Romanization?A: Children learning to read and write their native language for the first timeB: Chinese adults who want to# look up the correct pronunciation of less common or problematic words or characters# produce or consult lists or indexes# input characters on a computer or smartphoneC: Foreign students of Chinese, who need a tool for learning and annotating characters, and inputting them on a computer or smartphoneD: Foreign visitors who need an easy way to get around in China (identify people’s names, place names, names of products, items on a menu etc.)E: People outside of China who need easily-identifiable spellings for Chinese people and thingsRAQ 2: What is the purpose of romanization?Groups A & B: Romanization is supposed to correctly and unambiguously annotate the sounds of Chinese. Everything that sounds different to Chinese ears (initials 聲母, medials 介音, finals 韻母, and tones 聲調) should be explicitly marked when romanized. However, because of redundancies that are an integral part of Chinese phonology (音系規則, the Chinese sound system), people (especially computer users) can take shortcuts: tones are often left out, and IMEs (input method editors) can even ignore medials and finals (i.e. a computer user can type HYPY instead of hànyǔ pīnyīn: both yield the same result 漢語拼音).Group C: Foreign students are not aware of how Chinese sounds form patterns. Unlike native speakers, who learn phonology with their mother’s milk (so to speak), foreign beginners have definite trouble dealing with Hanyu Pinyin’s shorthand spellings.Hanyu Pinyin was designed for the convenience of native speakers of Chinese, so it is a less than ideal system for foreign learners, especially in the early stages.Group D: Tourists and short term visitors assume that Chinese is very difficult, so if they can go about their business without too much trouble, they are generally satisfied with Pinyin.Group E: This group has some limited, but very specific requirements that are not at all obvious to Chinese people who spend all their lives in a Chinese-only environment. Chinese people living in other countries need to be easily and unambiguously identified without referring to the Chinese characters of their names. This is where Hanyu Pinyin can cause EXTREMELY SERIOUS PROBLEMS.RAQ 3: Why should everyone use the same romanization?The five groups of users mentioned above have different needs that cannot all be properly served by Hanyu Pinyin. In the 1950s, when Hanyu Pinyin was designed, the world was a different place. The committee that set up and promulgated this romanization only needed to consider the needs of Chinese people within China. 60+ years later, the millions of Chinese who now live, travel or study abroad are affected by the shortcomings of Hanyu Pinyin’s shorthand spellings. Foreigners can also benefit from more than one approach.RAQ 4: Which problems does Pinyin (un)intentionally ignore?In 1956, Pinyin’s designers, who were influenced by Soviet linguists such as А. А. Драгунов 龍果夫, strove to create a simple China-only spelling system with single-letter spellings for each consonant. Thus, hard-to-type letters were used for common sounds: {ç = ch}, {ʐ = zh}, {ч = j}, {ŋ = ng}. Cyrillic, IPA and Latin letters were mixed together with no thought given to ease of use on standard ASCII typewriter keyboards: Robert Matthews (馬學進)'s answer to Why did the Chinese language begin using Latin letters for Pinyin?The 1958 final revision of Hanyu Pinyin finally settled on an all-Latin alphabet solution “with Chinese characteristics”, including some unique letter values that are not commonly used by European languages, such as q, x, z, c, u and i.Thus, people whose family name is either 徐 Xú or 許 Xǔ (both very common Chinese surnames: Shyu & Sheu in GR Tonal Spelling) are both spelled Xu, which many speakers of English will assume is pronounced the same as “Zoo”. Gross mispronunciations aside, Hanyu Pinyin can lead to much more serious problems.Because Pinyin tone marks are optional, the foreigner-readable versions of birth certificates, diplomas, degrees, household registration papers, hospital records, leases, licenses, passports and other documents do not show tones.Readers may ask: So what? Foreigners can’t pronounce tones anyway! What difference does it make?Here’s why. Including tones, Mandarin Chinese has about 1200 different syllables. For the sake of argument, let us assume that each and every syllable in Mandarin could be used as part of a name (obviously not true). Because most Chinese names consist of three syllables, GR Tonal Spelling could be used to write a maximum of 1200*1200*1200 = 1,728,000,000 phonetically distinctive names (although this would never be attempted, such a scheme would theoretically be enough for every person in China to have a unique name).https://www.quora.com/How-many-possible-syllables-are-there-in-Chinese-Mandarin/answer/Robert-Matthews-%E9%A6%AC%E5%AD%B8%E9%80%B2However, because Hanyu Pinyin omits tones, there is only a maximum of 400*400*400 = 64,000,000 distinctive names. Chinese names spelled in GR Tonal Spelling are much more distinctive than toneless Hanyu Pinyin names. 1,728,000,000 [GR] / 64,000,000 [PY] = 27 times more distinctive!Another way to put this: omitting the tones in romanized three-character Chinese names leads to potential information loss of as much as 96%.RAQ 5: How is 1928 GR Tonal Spelling better than 1958 Hanyu Pinyin?[Animated GIF: How abandoning GR Tonal Spelling led to scrambled Chinese surnames][Animated GIF: Different-Sounding Chinese Surnames That Are Unfortunately Blended In Pinyin]GR Tonal Spelling (a.k.a. Gwoyeu Romatzyh, National Phonetic Alphabet Version 2) was created by a small subgroup (數人會) of the committee responsible for creating National Phonetic Alphabet Version 1 (also known by the name Bopomofo or the anachronistic spelling Zhuyin Fuhao).The most important scholar behind the creation and popularization of GR Tonal Spelling is China’s greatest modern linguist, 趙元任 Chao Yuenren, a genius educated in the US who used his knowledge of mathematics, physics, music theory, phonetics and Chinese phonology to create a system based on “native speaker intuition” that also takes English orthographic habits into account (blending the two was not at all an easy task).GR Tonal Spelling is a “green” romanization that follows the Principle of Economy 經濟原則 and its three basic rules: keep, change, add 留改加. The 1st tone is usually the basic, unmodified form (“Keep”). The other three tones are spelled by making minimal changes to the basic form (“Change”), usually a different spelling for a glide vowel. If this is not possible, a letter is added (“Add”).Thus, tiau is a first tone form (spelled tiao in Hanyu Pinyin). The other three tones are spelled tyau, teau and tiaw. Notice how in each case the shape of the glide letter imitates the tone contour: The red bolded strokes of “y”, “e” and “w” are GIANT, indelible tone marks typable on any ASCII keyboard. They also provide valuable mnemonics for foreign learners struggling to remember the correct tones of words such as mae 買 and may 賣: “buy” and “sell”.Robert Matthews (馬學進)'s answer to As an English speaker, what's the best way to learn Chinese?[Animated GIF: 2nd tone tiau → tyau in GR Tonal Spelling; the tone mark is blended with the spelling of the medial vowel][Animated GIF: 3rd tone tiau → teau in GR Tonal Spelling; the tone mark is blended with the spelling][Animated GIF: 4th tone tiau → tiaw in GR Tonal Spelling; 4th tones are always marked at the end of a syllable: the tone mark is blended with the spelling]For almost 1900 years (since the end of the Eastern Han Dynasty), the 反切 fǎnqiè / faanchieh system has been used to indicate the pronunciation of Chinese characters.Each Chinese syllable is split into two parts: 聲母 shēngmǔ/shengmuu “the initial” (the single consonant, if any, at the beginning of a syllable) and 韻母yùnmǔ/yunnmuu “the final” (the rest of the syllable, including the tone). Bopomofo modifies this tradition by using 2-4 symbols to represent each syllable.First tone 張 (a common surname) is marked in Bopomofo with only 2 symbols, ㄓ+ㄤ (first tone is not explicitly marked).GR Tonal Spelling, Bopomofo’s younger brother, is similarly economical. Only four letters are needed for 張: j+ang (just like in the faanchieh system, ang includes the first tone).Fourth tone 賬 (account) is marked in Bopomofo with three symbols, ㄓ+ㄤ+ˋ, and GR Tonal Spelling still only requires four letters: j+anq (again, just like in the faanchieh system, anq includes the fourth tone).Hanyu Pinyin follows the all or nothing European approach of either ignoring all tones or marking all of them with tiny optional diacritics not found on ASCII keyboards. Pinyin thus uses 6 symbols for 1st tone 張 z+h+a+ˉ+n+g (a+ˉ are combined) and six symbols for 4th tone 賬 z+h+a+ˋ+n+g (a+ˋ are combined)Hanyu Pinyin is a system better suited to native speakers who are intimately familiar with the Mandarin phonological system.Thus, in Hanyu Pinyin the letters “i” and “u” have multiple pronunciations:(1) When “i” is preceded by z, c, or s, it is automatically pronounced as an unusual (for European ears) apical vowel /ɿ/, a mosquito-like buzzing sound.(2) When “i” is preceded by zh, ch or sh, it is pronounced as a similar-sounding /ʅ/.(3) When “i” is preceded by any other consonant and not followed by any other vowel letter, it is pronounced as a very different-sounding “normal” vowel /i/.(4) When “i” is preceded by any other consonant and followed by any other vowel letter, it is pronounced as a semi-vowel /j/.(5) When “i” is preceded by “u”, it is pronounced as /ej/ (not /ui/), as in 對 dui “correct”Hanyu Pinyin’s “u” follows similar rules.(1) When “u” is preceded by z, c, or s, it is pronounced as /u/.(2) When “u” is preceded by zh, ch or sh and not followed by any other vowel letter, it is pronounced as /u/.(3) When “u” is preceded by zh, ch or sh and followed by any other vowel letter, it is pronounced as a semi-vowel /w/.(4) When “u” is preceded by j, q, x, but not followed by any other vowel letter, “u” is pronounced as a front rounded semivowel /y/.(5) When “u” is preceded by j, q, x, but followed by any other vowel letter, it is pronounced as a semi-vowel /ɥ/ (palatal approximant)(6) When “u” is preceded by “i”, it is pronounced as /jow/, as in 休 xiu “to rest”, pronounced /ɕjow/, not /ziu/.Despite this hidden complexity, many foreigners who cut their teeth on Hanyu Pinyin swear by it and insist that it is much easier and more “reasonable” than GR Tonal Spelling (Gwoyeu Romatzyh)’s traditional 反切 based approach, with its three basic rules.Hanyu Pinyin economizes on symbols by assuming that its users are native speakers who can figure out what sounds right (“i” and “u” rules) automatically. Foreign beginners and casual readers (people who only occasionally need to pronounce Chinese words) have a very difficult time.GR combines Bopomofo’s traditional Chinese 反切 analysis with an ingenious spelling system that is mnemonically-based (letters with shapes that resemble tone contours are used to spell tones) and much more foreigner-friendly than Hanyu Pinyin (even foreigners who have never learned any Chinese at all can usually make a passable guess).Basically, whatever looks different in Gwoyeu Romatzyh sounds different to Chinese ears, and whatever sounds different looks different, including the four tones of Mandarin Chinese.GR Tonal Spelling (Gwoyeu Romatzyh) is widely used for spelling the names of well-educated people in Taiwan (doctors, lawyers, professors etc.).In Hanyu Pinyin, the following four names (Shy, Shyr, Shyy and Shyh) are blended together. Millions of people are forced to share one artificial giant surname (Shī + Shí + Shǐ + Shì → Shi) created for administrative convenience when producing foreigner-readable documents. Typing tone diacritics is a hassle: let Mr. Chabuduo handle everything.Professors, doctors etc. who use GR Tonal Spelling (painstakingly verified characters and professional details)[1st tone surname 施 SHy in GR Tonal Spelling] [Shī][2nd tone surname 石 SHyr in GR Tonal Spelling] [Shí][3rd tone surname 史 SHyy in GR Tonal Spelling] [Shǐ][4th tone surname 釋 SHyh in GR Tonal Spelling] [釋 is a surname adopted by Buddhists who give up their worldly property, including their original surnames] [Shì]A real-life example of potential confusion:(1) The PRC Ambassador to the German Federal Republic is 史明德 (spelled Shǐ Míngdé in “official” Pinyin).(2) Taiwan’s most famous political activist is 施明德 (spelled Shī Míngdé in “official” Pinyin).Imagine the confusion and embarrassment that would result if the PRC ambassador (Shi Mingde in “Street” Pinyin) was erroneously refused entry to a country that had banned the Taiwan activist (they seem to have exactly the same name)!Such problems could be easily eliminated if Chinese names were written using GR Tonal Spelling. 史明德, the ambassador, would be spelled Shyy Mingder and 施明德, the political activist, would be spelled Shy Mingder. The 1928 official spelling prevented such unfortunate misunderstandings.In Taiwan, even people with less common names use GR Tonal Spelling:[Surnames Jin 金 and Jinn 靳 (GR Tonal Spelling, Gwoyeu Romatzyh)]Surnames Bau 包 and Baw 鮑1. Professor Bau Da-Tian 包大靝http://webap.cmu.edu.tw/TchEportfolio/index_1/dtbauGraduate Institute of Biomedical Sciences, China Medical University2. Dr. Bau Tzong-ho 包宗和Professor of Department of Political Science, National Taiwan University監察院 - 人權主題網 ─ Members1. Aser Baw 鮑美瑟Animal Behavior Resource AssociationABRA國際認證訓練師資歷：2014 第二屆亞洲訓練師行為治療師培訓取得ABRA國際認證 LE 資格2. Wayne Baw 鮑維芳Wayne Baw 鮑維芳 (@waynebaw)https://www.linkedin.com/in/wayne-baw-9438a559/3. Spencer Baw鮑穎https://www.youtube.com/channel/UC-4o7m65Xt6KAZejhUqT5FwIdentity Theft And Other Serious Problems Caused By Spelling ConfusionOutside of China, Hanyu Pinyin’s toneless version can lead to or facilitate:1) Mistaken Identity Arrests2) Identity Theft3) Credit Card Fraud4) Medical ErrorAll of these problems can cause financial pain or have life-changing consequences, such as job loss, imprisonment or even worse.1) Mistaken Identity ArrestsA policeman conducting a routine traffic stop may wind up arresting the driver. Why?For one thing, suspect descriptions on warrants can apply to many people: “A black-haired, thin Chinese man in his 20s”. Having a non-distinctive (no tones indicated), Pinyin-only name that is identical to the one on a warrant certainly wouldn’t help.[this subsection was upgraded from my reply to a comment by Ni Ming]:Taiwanese police have an excellent reputation for tracking down criminals and cracking difficult cases. I'm sure the mainland police are equally intelligent and professionally dedicated. Unfortunately, such praise is hard to apply to their American militarized counterparts, who have a reputation for shooting first and asking questions later.Even small town police departments use SWAT teams and armored personnel carriers to handle routine, non-violent cases (such as seizing a child with a fever late at night to take it to see a doctor). They use battering rams to smash down doors, shoot family dogs (even a chihuahua has been viewed as a “threat”) and leave extensive trauma in their wake, especially when they barge in on completely innocent people.If you Google “cops” + “wrong house”, or “cops” + “shoot dog”, you will get a flavor. I very much doubt American cops will stand patiently while listening to an explanation of the subtle tonal difference between three different Chinese surnames who are forced to share one single toneless spelling.Sara Angell's answer to Have you ever read something about yourself in your own medical notes that shocked you?Real people with false homonym namesForeigners outside of China have no way of knowing that 古真福, 顧振福, 辜振甫, 辜振富 are four different people. If they have PRC-issued ID documents, all four seem to have exactly the same name: Gu Zhenfu.Hanyu Pinyin: Gu Zhenfu ← Gǔ Zhēnfú, Gù Zhènfú, Gū Zhènfǔ, Gū ZhènfùThese are all real people:"古真福" - Google Search"顧振福" - Google Search"辜振甫" - Google Search辜振富 (Facebook)GR Tonal Spelling (different people, different names): Guu Jenfwu, Guh Jennfwu, Gu Jennfuu, GU JennfuhIf any one of these people commits a crime (such as ignoring a pile of unpaid parking tickets), the other three could mistakenly be arrested by a policeman whose warrant only says “Gu Zhenfu: wanted for being a scofflaw”.American police don’t fool around. Strictly following the law and making arrests improves their chances of promotion. What’s not to like?法律就是法律，美國警察不講人情.These supposed scofflaws will be thrown in jail, and they will wait for a judge to (hopefully) sort out the mess. How many innocent Chinese people have suffered because of an incomplete romanization that doesn’t work properly outside of China?1. Why Mistaken Identity Arrests Happen2. Can You Be Arrested with a Warrant for Someone Else? | WK LawBeing arrested, even if later proven to be a mistake, can have financial (expensive lawyers) and social consequences (job loss, shunning, shaming of one’s children), and there is sometimes nothing one can do.3. Man jailed based on mistaken identity can't sue, court rules***Examples of Mistaken Arrests Due to Having the Same Name1. Man With Accused Criminal's Name Battles Mistaken Identity2. Man Sues Police Over Mistaken Identity Arrest | Hartford Criminal Defense Attorney3. Woman held in case of mistaken identity to seek compensation [New Zealand]4. Innocent man arrested, jailed twice because of name5. This Woman Lost Kids and Job After Being Mistaken for Drug Trafficking Suspect with Same Name6. Mistaken identity leads to physical arrest of Victorville man at his front door7. Mistaken identity of same-name men causes wrong arrest by Edmond policehttps://www.edmondsun.com/news/mistaken-identity-of-same-name-men-causes-wrong-arrest-by/article_5715e26c-455d-11e6-bc1a-2fe6dfc0ba42.html8. When the Only Crime is a Common Name...9. Grandmother Arrested, Spends 5 Days in Jail.....Whoops, Wrong Person.2) Identity Theft3) Credit Card FraudIdentity theft is a serious problem that is often connected with credit card fraud. Because the US does not have a national ID card, other types of ID are used, some of which are easily forged.A case in point is signatures. Because they are not intimately familiar with Latin alphabet handwriting, many Chinese rely on a very simple foreign signature that is easily copied (to combat this problem in my university language classes, I often included instruction in cursive handwriting).Handwriting University Forgery Proof[Unhappy Consequences of Using Toneless Pinyin On Foreign Documents]A. Report: Medical Identity Theft – The Information Crime that Can Kill YouDefinition: “when someone uses an individual's identifying information, such as their health insurance information or social security number, without the individual's knowledge or permission, to obtain medical services or goods, or to obtain money by falsifying claims for medical services and falsifying medical records to support those claims.”Medical Identity theft can have all sorts of cserious consequences, including:1. Financial losses (you may be required to pay for someone elese’s expensive medical care),2. Harm from false entries in your medical record (such as being given the wrong type of blood)3. Insurance caps reached (Someone may have used up all of your coverage; any further treatment may be prohibitively expensive)Victims of medical identity theft find out the truth in many unexpected ways:1. collection notices (a collection agency insists that you have to pay a penalty for unpaid bills that have nothing to do with you)2. Notification by law enforcement, an insurance company, or a health care provider that you have a problem3. Your insurance company tells you that benefits have run out, or a “lifetime cap” has been reached (you have supposedly used up all of the benefits provided by your medical insurance)Report: Medical Identity Theft - The Information Crime that Can Kill YouB. Exploring Medical Identity TheftDesla Mancilla, MPA, RHIA, principal investigator and Jackie Moczygemba, MBA, RHIA, CCS, secondary investigator, associate professorPerspect Health Inf Manag. 2009; 6(Fall): 1e. || PMCID: PMC2804460 || PMID: 20169017Exploring Medical Identity TheftC. Medical Identity Theft in the Emergency Department: Awareness is CrucialMichelino Mancini, DOWest J Emerg Med. 2014 Nov; 15(7): 899–901. || doi: 10.5811/westjem.2014.8.22438 || PMCID: PMC4251251 || PMID: 25493150“According to the Federal Trade Commission (FTC), medical identity theft accounted for 3% of identity theft crimes, or 249,000 of the estimated 8.3 million people who had their identities stolen in 2005. More recently, the Ponemon Institute calculated that there were 1.84 million victims of medical identity theft in 2013.”Medical Identity Theft in the Emergency Department: Awareness is CrucialImage Credits (Public Domain images)Digital Camera, Happy Tooth images by Clker-Free-Vector-Images (Clker-Free-Vector-Images | Pixabay)Bubbleman images by Peggy und Marco Lachmann-Anke from Pixabay (3dman_eu | Pixabay)Blender image: OpenClipart-Vectors from PixabayShi Mingde (the bigshot): CC BY-SA Raimond SpekkingShi Mingde (the Taiwanese activist): Public Domain image

Don’t give out your driver’s license number, social security number or address unless you absolutely have to. The address is kind of meh, but you should always protect the others. Never do anything sensitive if you are using public wifi. Also use a secure wifi if at all possible. Never give out information on an e-mail to the link they provide unless you are absolutely sure it is legit. If I get something from a place where I have an account, I go to their website by opening a separate window and putting in the address directly (not cut & paste from the e-mail). Also protect your credit cards and ID as much as possible although at restaurants you are kind of SOL.I keep an inexpensive credit monitoring service that notifies me about credit inquiries, dark web problems, etc. I check any notification immediately. I have had 2 notifications of dark web password breaches. I immediately change it. Luckily most of the critical websites now do double verification. Still even with all of this, I had my S Corp get hit for $60 on a debit card I had used exactly once and that was to deposit a check. I have virtually no activity on it, so it was easy to spot. I have no idea how they got that.I also had a tax return filed under my SSN a few years ago. I had to hand walk my return into the IRS with multiple ways of identifying myself and my wife. I still can’t check the status of a return anymore as the account is flagged.Where there is a will, there is a way. Even with good monitoring it can still happen. Just act immediately.

You’ve been notified that your personal information may have been exposed in a public data breach. With cybercrime booming, it was probably a matter of time. Here’s what to do next.Read the notice you receive — in its entiretyLegislation has been enacted on a state-by-state basis requiring private or governmental organizations to notify affected consumers when a data breach occurs. The laws vary by state, so the requirements for what the notification says and when it must be sent vary. Either way, it’s important for you to actually read what is sent to you. Your plan of action will depend on what type of information has been compromisedProtect usernames and passwordsYour unique usernames and passwords are generally considered PII. Should you be notified that these may have been compromised during a breach, consider activating two-factor authentication if possible. Change both your username and password as soon as you can — even if you don’t know which one may have been compromised. Remember, your account is only as safe as the strength of your password.Review bank and credit card accountsWith the convenience of online banking and mobile phone apps, reviewing bank statements and transactions has never been easier. If you even suspect that a specific account has been compromised, you need to vigilantly review each and every transaction to make sure there are no unauthorized charges. If you do discover unauthorized charges to your account, immediately report the fraudulent activity to the bank, so as to not be held liable.Safeguarding your Social Security numberA data breach exposing Social Security numbers can be extremely harmful to consumers. A compromised Social Security number can not only affect victims in the here and now, but can also affect them for years to come.As far as the present is concerned, get ahold of all your credit reports. The Fair Credit Reporting Act requires that each of the three major consumer credit bureaus provide consumers a free copy of their credit report every 12 months. (Hint: Play your cards right and request a credit report from a different credit bureau every four months to better monitor your accounts throughout the year.) As you receive each credit report, thoroughly scrutinize each listed account. Pay particular attention to any new accounts opened or hard inquiries made within the time frame of the data breach you were informed about.Even if your Social Security number is compromised, there are built-in protections for this situation. Consumers can request that a fraud alert or credit freeze be added to their credit files.When you institute a credit freeze, it restricts access to your credit report and prevents credit card issuers or other lenders from accessing your report. You may also want to consider a , which is a statement in your credit reports that alerts anyone reviewing the reports that you may be a victim of fraud or identity theft.Both fraud alerts and credit freezes are free to add to a credit file. Carefully explore each option to decide which works best for you.Sign up for a credit-monitoring serviceMany companies victimized by a data breach will offer credit-monitoring services at no cost to those affected. Take advantage of this offer. Even when the services are not offered, it would be wise to sign up for a monitoring service, like the free credit-monitoring service offered by Credit Karma, which notifies you of important changes on your TransUnion or Equifax credit reports so you can check for suspicious activity.Bottom lineA data breach doesn’t have to mean your personally identifiable information is gone forever. With some research and consideration, you can discover ample resources for the taking.You should always take any notification of a data breach seriously, routinely monitor your accounts for unauthorized charges, and request a copy of your credit reports at least quarterly. You should also consider adding a fraud alert or credit freeze to your credit files, as well as use a credit-monitoring service from here on out.