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With identity theft on the rise, it is necessary to be aware of how thieves operate and what you can do to protect yourself. This article will deal specifically with these

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

issues regarding debit cards and ATM cards.

With ATM and debit cards, it is the PIN that poses the risk for identity theft. An identity thief can illegally obtain your P

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

IN and gain access to your bank account using three primary methods.

The first of these methods is keeping your PIN with your ATM or debit card, especially if it is desig

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ated as such. If a thief grabs your wallet or purse and gets his hands on your debit card, it will be useless to him without your PIN. If he has your PIN, he can fully acc

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

ess your bank account without anyone even knowing it isn't you.

The greatest risk to your debit card security is using it in a crowded public place, particularly a restau

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

rant or bar. There is always a risk of being watched or overheard while giving identity information and it is especially so when there is a crowd around an ATM machine. On

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

well-known method used by identity thieves is called 'shoulder surfing' where the thief tries to see what PIN is entered when you make a transaction. There are other risk

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

s that are not as obvious, too. Though you may trust that the person you are dealing directly with is honest enough, you can't be sure the same is true of those nearby who

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

may be able to see and hear what is going on.

Your best defense is to be habitually aware and vigilant. Always keep in mind that obtaining your PIN is going to be follow

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

d by the theft of your card or your card number. You are at risk of being mugged for your card a short time later if you let a thief see or hear your PIN.

The third metho

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

d of obtaining your PIN by an identity thief is through a magnetic strip reader or keyboard entry logging applications. Some of these have a very sophisticated design. Som

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

e will use a pinhole camera to get a recording of your PIN. The thief affixes these devices to the ATM or similar machine for the purpose of capturing the details of your

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ard. This is called 'skimming'. In recent years, skimming applications have increasingly become a risk because of the advancements in technology but they are not as yet co

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

mmonplace. The thief no longer needs your physical card to gain access to your bank account once he captures your card information in this manner. Though they do look very

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

much like a real card swiping machine, a frequent user will most likely discern the difference.

Another method of theft that is rare can occur at the point of sale but c

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

rd swiping that is beyond what is necessary for the sale is harder to hide. The best way here to protect yourself against identity theft is to be aware of what is happenin

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

g to your card if it is out of your personal possession.

PIN number security is the best way to protect yourself from being a victim of debit card identity thieves.

Cont

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

act your bank and have your PIN number changed if you believe your PIN number has been stolen but you still have possession of your card. For a lost or stolen card, Cancel

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

the card as soon as possible and get a new one issued. Be sure to get a new PIN number, too. Never use your old PIN number after you have replaced a lost or stolen card.

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

Using the information above will help you to avoid becoming the victim of identity theft. Being vigilant in protecting your information can save you money, time and stress

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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