Is my bank purchase history shared with google somehow?
I guess it could just be coincidence?
Lots of ways this data flow could happen, at least in the US. Happy to go through specific details I have seen if you want to share more about this, but two high level points
1. Remember that when you purchase something, the data about the purchase is BOTH yours AND the entity from whom you made the purchase. Most of those entities have data sharing agreements of various kinds for all sorts of legitimate business reasons
2. It isn't google who knows about the purchase, and even the advertiser doesn't "know" you made a purchase. Advertising is zillions of two sided marketplaces, with an enormous ecosystem of data packagers and conveyers and linkers, with lots of concern about recency and freshness of data. Your purchase landed some key about you in a bucket that was mixed and repackaged with many other keys that the advertiser knows as "keys recently interested in Voltaren." Some of those keys are related to people who bought it, or who searched for it, or more indirectly who lingered while reading a page with an ad for it...and in most cases are very short lived. So give it a few weeks and many of those buckets of keys will have been completely remade.
https://marketingreportoptout.visa.com/OPTOUT/request.do
Second, disable GPS, and cellphone tower ID reporting (root needed.) So Google can't correlate you with sales records.
At the moment, there is no way to disable Google AGPS spying on the stock Android.
Third, block Google apps from reading your IMEI/IMSI/serial number, so they can't get AGPS data from your cellphone provider if it sells it.
Better, get a de-Googled ROM
One of the first things I noticed after moving to America was that I was being served ads for oddly specific in-store purchases. I checked my bank's terms and discovered that, sure enough, they were sharing my transaction history with "non-affiliates" so that they could market to me.
From memory, they did offer opt-out methods for limiting the amount of data that they shared. Maybe you could see if your bank offers the same?
Here's an image: https://i.imgur.com/KqIN6oB.png
I'm about as impressed as I am mortified. I thought I had my opsec down, I was using noscript, I use throwaway email addy's where I suspect I'll be spammed.
But I was had too.
This Hecatoncheires entity is getting ever-larger. It knows a lot. It knows me well. I have seen evidence that it knows about the medication I take, the insecurities I have, my half-baked aspirations and plans. I feel defeated at times when I see its knowledge of me manifested in the ads I am shown, I feel confronted because at the time of this writing I don't know where this leak occurred, I don't know at what vector exactly I'm being had.
https://en.wikipedia.org/wiki/Frequency_illusion?wprov=sfti1
> Is my bank purchase history shared with google somehow?
Google buys Mastercard (if not more) transactions and ties them to your Android location history.
https://www.bloomberg.com/news/articles/2018-08-30/google-an...
A group of friends were on a road trip, driving for several days cross-country. These are university-aged young males, 20-23. None have any interest in starting a family any time soon.
At the beginning of the trip, they agreed (verbally) to test if google was listening by discussing "nappies" intermittently, loudly and jokingly. They would only discuss nappies in person - everyone agreed not to mention this on any digital channel whatsoever, not to look up nappies for any reason, etc. That is, they deliberately excluded nappies from their online lives.
They chose nappies specifically because they're completely irrelevant. None had ever to their knowledge been delivered an ad for nappies. None had ever purchased nappies or any baby product.
Sure enough, end of the trip - ads for nappies.
I would love an explanation more plausible than their phones were listening.
Then when I was done, I closed all browser tabs, I unlocked my smartphone to check Instagram, and the second ads I get is a Gundam ad. I have no idea how my shadow "desktop" ad profile and shadow "mobile" ad profile matched. I share no accounts between my desktop and my smartphone :
- I use different Google accounts on my phone and desktop (although I occasionally log in one or the other in private tabs)
- The internet connections are different : 4G for phone, fiber for desktop
- On desktop, I use Chromium with Ad block Plus
- I do not use facebook nor instagram on my desktop PC
So how the f. did Instagram know about my Gundam browsing on desktop.This must stop.
Most people, myself included, do so many searches so casually that we don’t remember doing it much of the time.
Source: FB Ads and IG ranking for 7 years.
What I'd like to know is if the same happens when I pay with Apple Card, or when I use Apple Play with, say, a VISA card?
The players in the surveillance ecosystem have shaped themselves into narrow forms that allow for plausible deniability. App makers, device makers, the monetization SDK providers, the re-targeting platforms with their Orwellian forecasting & optimization calculations and especially the data brokers each play their part in a division of labor as powerful as Adam Smith's pin factory.
The pushback will come from the EU in my opinion. The U.S Big Tech file is going to be taken up with tackling the monopoly power of platforms for the next few years.
In the meantime beware of free apps on your phone and look up how to opt out of marketing on your smart TV. Pay for sensitive items with cash. If your phone is Android use the Firefox browser with the uBlock Origin plugin.
In my family’s case, my wife’s hospital admission and prescription was sufficient to correctly identify her as likely 10-12 weeks pregnant. Their confidence in that was sufficient to yield us a Fedex’d box containing congratulations and starter kits of enfamil, on her due date. Since they don’t read your records, just infer from events, they didn’t know that she had miscarried, and nearly died in the process.
I know this, because Enfamil identified the list used to target her, and I bought it for my zip code. I also learned that my neighbor 4 doors down has type 2 diabetes, and has expressed interest in a BMW or Audi at the end of her then-current lease. (She went Audi btw)
When people lecture you about various observational biases, you’re being paranoid, etc, they are full of shit. The marketing machine is way more wired up into everyday life than you can imagine.
It is deeply invasive and should be blocked.
It works like this. You go to a store and buy, say, a sexual wellness product. You then get targeted with ads online (search result ads, facebook ads, news media ads, amazon sponsored results etc) for the same product, or something related (let's say something embarrassing that you might not want other people to see). Other users on your same network or IP may also be re-targeted with the same ads.
Credit card data tracking is a levelling up of surveillance capitalism. It is deeply intrusive. Not all card providers participate, but it is a significant source of revenue for them [1]
[1] https://www.fastcompany.com/90490923/credit-card-companies-a...
[Edit: Removed specific reference to a medication as it likely triggered anti-spam]
It's possible they match using location but they might have other data that increases the matching like payment provider which has a lot of your personal data as well as knows your purchased something from that store at that time.
OP probably googled something related before going out to buy the item :)
Many cases of this are just clustering.
Another option would be if they're integrating something like Close-Up data.
Close-Up is a company that collects prescription data and sells it to different marketing companies. They usually collect what doctors prescribe, so they can tell if pharma marketing efforts are working. I'm not sure how deeply entrenched they are in the US (or how HIPPA compliant they are).
The eerie feeling compounded by the fact that we are sometimes correctly targeted and there's no way to distinguish the two. Zeynep Tufekci writes a lot about the this type of thing if you're interested in it.
Is it surprising that ads are targeted at someone who actually bought the product? Doesn’t this show that ad targeting works? You just happened to notice the ads after you made the purchase.
What products did you buy that you didn’t see ads for? Which ads did you see that you didn’t end up buying the product?
This is a case of you being aware of Voltaren because you bought it, saw the ads, and are now trying to connect the two.
There were two explanations:
- they are stealing my thoughts with 5G.
- random things are random and I don't remember 99% of the ads where I couldn't correlate them to other events.
(yes, there's a middle ground somewhere that they know the subjects that I'm interested in and sometimes someone throws a bullseye)
Its common and help companies target clients with ads on the internet in general (YouTube, sites, etc).
It works like that:
- The Chemist wants to sell things online or physically.
- They pay google for ads for their products on sites related to its business lines or keywords about its niche.
Google then show their ads for people in general, people interested on those subjects or to people visiting sites about those subjects.
Interest is determined by search history and navigation (every google ad in a site (chemist or not) help google know you were there).
Then the chemist want to target past customers with more specific ads (like reminding people of items in theirs carts):
- They send google ads information about clients and past physical or online purchases / interactions.
Google then match the user with its own database and connect the sent data with its own data.
- Now the Chemist benefits from the google (because google can find you online)
- Now other google clients benefit from this data (because now your google hidden profile is more accurate about your interests and habits)
- Now Google benefits from that because it can use the purchase data to hone its models about ad-to-spend.
The chemist also want to pay google a fraction of the purchases if the client saw an ad.
- Google uses information sent in realtime by the Chemist and other companies, model this data and determine which people, sites and subjects have a bigger probability to turn an Ad into a sell.
I have myself done that in the past and Facebook was quite accurate at turning ads into course subscriptions.
Walmart is rolling out facial recognition across all their stores. Doesn’t matter if you pay cash. Pay with a card once and you’re identified.
I consulted for Axciom and the best way to avoid their reach is to move to a country with good privacy laws or to a country that’s too poor for these big companies to care about.
I had such a coincidence happen to me once. I saw an ad for a product I've never heard about online... and a short while later, I saw the same ad on non-smart broadcast TV, billboard, in print or some similar place where I could be sure that the ad was not targeted. Had it happened the other way around, I would have doubted it myself, but it was clear that this could not have been anything but coincidence.
Besides that, why would the company behind it spend money on promoting the very product that you already bought? If anything, the fact that you bought it would be used to not show you ads, at least until some time later when you'd be likely to buy another one. (Retargeting frequently gets this wrong because they see the interest but don't get the purchase information.)
If you bought Voltaren as a joke though an offline random process ( which is hard to do ) then you might have more evidence it's linked to the sale part.
The other day I watched Mosquito Coast again after 30 years. Afterwards I saw Apple are making a TV series. That's not a coincidence I just have no idea how it happened. It was not simple, a Ad or Article I would have read, it's an interesting premise I always remembered. It was downloaded from the torrents. It was after looking at a movie then director then actor then movies then the decision to watch. But something I don't know what, helped me stop there on the chain of browsing and watch it.
Initial Bayesian Conclusion Histogram:
- 33% Voltaren ad push just happens to be underway, and no spying was used
- 33% Google's Android Chrome knew I visited a HN link to today's post about Voltaren, somehow added this fact into my advertising profile, Android Twitter app used it to pick me an ad
- 33% like above, except that since in Android Chrome I'm logged into Twitter, somehow Twitter itself was the upstream source of the interest hint
https://en-gb.facebook.com/business/help/1150627594978290
Wouldn’t be surprised if this data is used to refine which ad these platforms should show you.
Then they can put on their curriculum vitae that they worked as a "Googler" even though they added nothing to society (except confusion and paranoia).
Google may even allocate tax write offs because they "filled a seat" among their ranks.
I'm in Australia, and find when I pay by credit card, this same thing happens to me where I get ads for medicines related to precription medicine I've just purchased.
When I use cash however, I don't get the ads, so my best bet is that it's the credit card that's used to match the purchase to me in this scenario.
[1] http://ghostinfluence.com/the-ultimate-retaliation-pranking-...
Discussed on HN earlier:
Look for activity related to Voltaren (it has a search function)
I did bring my Android phone that has got Messenger lite installed, but that's stretching it tbh.
You can opt out of it, or simply signup for a rewards card and not use your real info.
"I wonder if I should buy X" but I dont actually want X and never search for it. That alone makes google ads start showing me ads about X.
If you want to avoid being tracked, use cash.
Google analyzes receipts. When I still used gmail, it would automatically add flights to my calendar based exclusively on the receipt sent to my gmail account.
Usually you make a 5-10 year purchase, like a TV or a large kitchen appliance, and they keep showing you ads for the exact same model.
Did you email anyone about it or receive any emails about it?
If so...
Your perception works in 2 modes - bottom-up (signal processing) - and the ad didn't make it through - and top-down (pattern recognition) - exactly the experience you report - you recognise a recent pattern.
Could it be? of the billions of items you could be advertised for, why then exactly Voltaren?
Do you have an android phone, by chance?
2. You are using a credit card and expecting not to be identified.
Everything else is details.
Have you ever noticed how you don't seem to see much of X, and then all of a sudden you see one X. And then you can't stop seeing X.
Though, googles probably spying on you.