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Could your browser history cause denied health insurance coverage?

With so much data available about your search and shopping history online, could it be feasible that insurers would use it to measure your insurability?

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Your devices are listening to you

Have you noticed that apps on your internet devices are getting smarter about integrating your data?

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Case in point – About two weeks ago, I was emailing someone on my laptop to set up a time when we could talk on the phone.When they finally called me on my smartphone, the number popped up and underneath the digits it said, “Maybe [Andy Smith].” I had never put his name in my phone as a contact, and it was a one-time thing. I’ve noticed that what I search for on my laptop often shows up in other apps as ads on my phone.

Does that scare you? It should. Just a little bit.

So, what does this have to do with health insurance?

Castlight Health, an app which works to lower healthcare costs for businesses, is being used by quite a few companies. Walmart, CVS, and Liberty Mutual are just a few of its corporate customers. (I have no personal experience with the app.)

On the Castlight website, it gives examples about how the app helps employees and employers. For example, “Mary searches for an orthopedic surgeon.” The app then guides her to different options other than surgery to help her find treatment.

Who is tracking your searches?

Right now, you would have to use Castlight Health to have it track your searches. But with so much data available about your search and shopping history online, could it be feasible that insurers would use it to measure your insurability?

It could be much like a credit score, but a health score based on your internet use.

Tack on other elements of your internet use, like your political leanings or friends’ activities, and you have the beginnings of a serious profile that may or may not be really you.

As a professional writer, I routinely search for information about different topics that are totally unrelated to me personally. Two weeks ago, I was looking for information about the First Amendment and stats on watching porn at the library. My search history also includes information about low-income housing tax credit and real estate discrimination laws. Dear Internet Police, I’m not looking for an apartment or housing, please don’t tailor my ads to show me places to live. I wonder if an employer would be afraid I was getting ready to make a move?

Do you know how your data is being used?

I’ll admit my internet search history is much more varied than most of my friends.

But what if you had a friend who told you they were using drugs, and you do a search to find treatment options. Would an employer believe it was for you?

Does your current internet use indicate future behavior? I can very honestly say that my internet usage is much different than it was just five years ago, and I would suspect that most of you would say the same.

If I was working for an employer in an office, I wouldn’t appreciate them tracking my online searches to see how insurable I was or wasn’t. We need to pay attention to how our data is being used. We should all be watching this topic.

#FutureOfData

Dawn Brotherton is a Staff Writer at The American Genius, and has an MFA in Creative Writing from the University of Central Oklahoma. Before earning her degree, she spent over 20 years homeschooling her two daughters, who are now out changing the world. She lives in Oklahoma and loves to golf. She hopes to publish a novel in the future.

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Microsoft acquires powerful AI language processor GPT-3, to what end?

(TECH NEWS) This powerful AI language processor sounds surprisingly human, and Microsoft has acquired rights to the code. How much should we worry?

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Code on screen, powering AI technology

The newly-released GPT-3 is the most insane language model in the NLP (natural language processor) field of machine learning. Developed by OpenAI, GPT-3 can generate strikingly human-like text for a vast range of purposes like bots and advertising, to poetry and creative writing.

While GPT-3 is accessible to everyone, OpenAI has expressed concerns over using this AI tech for insidious purposes. For this reason, Microsoft’s new exclusive license on the GPT-3 language model may be a tad worrisome.

First of all, for those unfamiliar with the NPL field, software engineer, and Youtuber, Aaron Jack, provides a detailed overview of GPT-3’s capabilities and why everyone should be paying attention.

Microsoft’s deal with OpenAI should come as little surprise since OpenAI uses the Azure cloud platform to access enough information to train their models.

Microsoft chief technology officer Kevin Scott announced the deal on the company blog this week: “We see this as an incredible opportunity to expand our Azure-powered AI platform in a way that democratizes AI technology, enables new products, services and experiences, and increases the positive impact of AI at Scale,” said Scott.

“Our mission at Microsoft is to empower every person and every organization on the planet to achieve more, so we want to make sure that this AI platform is available to everyone – researchers, entrepreneurs, hobbyists, businesses – to empower their ambitions to create something new and interesting.”

OpenAI has assured that Microsoft’s exclusive license does not affect the general public’s access to the GPT-3 model. The difference is Microsoft will be able to use the source code to combine with their products.

While OpenAI needs Azure to train these models, handing over the source code to another party is, to put it mildly, tricky. With the earlier GPT-2 model, OpenAI initially refused publishing the research out of fear it could be used to generate fake news and propaganda.

Though the company found there was no evidence to suggest the GPT-2 was utilized this way and later released the information, handing the key of the exponentially more powerful iteration to one company will undoubtedly hold ramifications in the tech world.

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Tech News

What is UI/UX? Take a little time to learn for free!

(TECH NEWS) For the all-time low price of—well, free—Invise gives you the option of learning a few basic UI and UX design techniques.

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Woman browsing web, made easy with UI/UX

There’s no denying the strong impact UI and UX design has on the success of a website, app, or service—and, thanks to some timely altruism, you can add basic design understanding to your résumé for free.

Invise is a self-described beginner’s guide to the UI/UX field, and while they do not purport to deliver expert knowledge or “paid courses”, the introduction overview alone is pretty hefty.

The best part—aside from the “free” aspect—is how simple it is to get a copy of the guide: You enter your email address on the Invise website, click the appropriate button, and the guide is yours after a quick email verification.

According to Invise, their beginner’s guide to UI and UX covers everything from color theory and typography to layout, research principles, and prototyping. They even include a segment on tools and resources to use for optimal UI/UX work so that you don’t have to take any risks on dicey software.

UI—short for “user interface”—and UX, or “user experience”, are two critical design aspects found in everything from websites to app and video game menus. As anyone who has ever picked up an outdated smartphone knows, a janky presentation of options or—worse yet—a lack of intuitive menus can break a user’s experience far faster than slow hardware.

Similarly, if you’re looking to retain customers who visit your website or blog, presenting their options to them in a jarring or unfamiliar way—or selecting colors that clash for your landing page—can be just as fatal as not having a website to begin with.

The overarching problem, then, becomes one of cost. Hiring a design expert is expensive and can be time-consuming, so Invise is a welcome alternative—and, as a bonus, you don’t have to dictate your company’s vision to a stranger and hope that they “get it” if you’re doing your own design work.

2020 probably isn’t the year to break the bank on design choices, but the importance of UI and UX in your business can’t be overstated. If you have time to read up on some design basics and a small budget for a few of the bare-bones tools, you can take a relatively educated shot at putting together a modern, desirable interface.

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Google set to release new AI-operated meeting room kit… and it’s pretty baller

(TECH NEWS) Google’s newest toy is designed to “put people first” by alleviating video and audio issues for conference room meetings.

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Google Meet Series One is a new meeting kit that puts people first.

Remote meetings can be the worst sometimes. The awful video and audio quality are frustrating when you’re trying to hear important details for an upcoming project. Even with the fastest internet connection, this doesn’t guarantee you’ll be able to clearly hear or see anyone who’s in the office. But Google is re-imagining conference rooms with their new video conferencing hardware.

Yesterday, the company introduced Google Meet Series One. In partnership with Lenovo, this meeting room kit is made exclusively for Google Meet and is poised to be the hardware that “puts people first.”

The Series One has several components that make it stand out. First is the “Smart Audio Bar,” powered by eight beam-forming microphones. Using Google Edge TPUs, the soundbar can deliver TrueVoice®, the company’s “proprietary, multi-channel noise cancellation technology.” It removes distracting sounds, like annoying finger and foot-tapping noises, so everyone’s voices are crystal clear from anywhere in the room.

The hardware also has 4K smart cameras that allow for high-resolution video and digital PTZ (pan, tilt, zoom) effects. Processed with Google AI, the device knows to automatically zoom in and out so all of the meetings’ participants are framed in the camera. With an i7 processor and Google Edge TPUs, the system is built to “handle the taxing demands of video conferencing along with running the latest in Google AI as efficiently and reliably as possible.”

The meeting kit has Google grade security built-in, so the system automatically updates over-the-air. The system also works seamlessly with Google services and apps we already use. Its touch control display is powered by a single ethernet cable. From the admin controls, you can manage meeting lists and control room settings. Powered by assistant voice commands, their touch controller provides a “touchless touchability”; if you want to, you can join a meeting just by saying, “Hey Google, join the meeting.”

These new meeting kits are easy to install and are versatile. They can be configured to fit small, medium, and large-sized rooms. “Expanding kits for larger rooms can be done with just an ethernet cable and the tappable Mic Pod, which expands microphone reach and allows for mute/unmute control.”

According to the Google Meet Series One introductory video, the meeting room kits are “beautifully and thoughtfully designed to make video meetings approachable and immersive so everyone gets a seat at the table.”

Currently, there is no release date set for Google Meet Series One. However, pre-orders will soon be available in the US, Canada, Finland, France, Norway, Spain, Ireland, United Kingdom, Sweden, Australia, New Zealand, Japan, Netherlands, Denmark, and Belgium.

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