How Scammers are Using AI--and an explanation of ChatGPT

Today's Expert Guest - Dr. Judy Christman Yates, DPA, Criminologist & Financial Exploitation Specialist On past shows we have talked about Artificial Intelligence. Now there seems to be something new that has world attention called ChatGPT. But first, Judy explains what ChatBot is before explaining how ChatGPT works and what we can do with it. While ChatGPT can be an amazing tool, scammers also use it; and Judy tells us what to watch out for--and how it is being used with the Romance Scam. Finally, Judy reviews the Trade Commission's eight favorite lies used by scammers in Romance Scams. Remember, to always report if you think you are being scammed! ( FTC.gov, IC3.gov, FBI.gov) If you'd like to tell your story on Scam Squad to warn others, call Deputy District Attorney, Vick Johnson on the FRAUD HOTLINE at 805-568-2442. References and Links from this show: OpenAI, the company that developed ChatGPT, https://openai.com/ What is DALL-E? How it works and how the system generates AI art, 11/3/22, https://interestingengineering.com/innovation/what-is-dall-e-how-it-works-and-how-the-system-generates-ai-art#, “It is changing the future of art. DALL-E, written as DALL·E on the company website, is a machine-learning model created by OpenAI to produce images from language descriptions. These text-to-image descriptions are known as prompts. The system could generate realistic images just from a description of the scene. DALL-E is a neural network algorithm that creates accurate pictures from short phrases provided by the user. It comprehends language through textual descriptions and from “learning” information provided in its datasets by users and developers.” ChatGPT: Everything you need to know about OpenAI's GPT-4 tool, https://www.sciencefocus.com/future-technology/gpt-3/, 5/5/2023. How to tell GPT Scams Apart from the Real Thing, 3/17/23, https://www.howtogeek.com/879206/how-to-tell-chatgpt-scams-apart-from-the-real-thing/ What is a chatbot?, IBM https://www.ibm.com “A chatbot is a computer program that uses artificial intelligence (AI) and natural language processing (NLP) to understand customer questions and automate …” How does ChatGPT differ from the human brain? https://gcn.com/emerging-tech/2023/02/how-does-chatgpt-differ-human-intelligence/383086/, 2/17/2023. “Humans and computer intelligence harbor many similarities in how they process information, researchers say, but machines still have limitations.” ChatGPT is a data privacy nightmare. If you’ve ever posted online, you ought to be concerned, https://gcn.com/data-analytics/2023/02/chatgpt-data-privacy-nightmare-if-youve-ever-posted-online-you-ought-be-concerned/382718/, 2/8/2023. ChatGPT: A Scammer’s Newest Tool, https://www.mcafee.com/blogs/internet-security/chatgpt-a-scammers-newest-tool/, 1/25/2023. “ Voice deepfakes are calling – here’s what they are and how to avoid getting scammed, https://gcn.com/emerging-tech/2023/03/voice-deepfakes-are-calling-heres-what-they-are-and-how-avoid-getting-scammed/384188/, 3/20/2023. “The next time your mother calls [or your bank], you might want to decline. Experts warn scammers are using voice deepfakes of individuals' family and friends to steal money. . . . Thousands of people were scammed this way in 2022. . . . [it is] . . . increasingly possible to convincingly simulate a person’s voice. Even worse, chatbots like ChatGPT are starting to generate realistic scripts with adaptive real-time responses.” Federal Trade Commission (FTC.gov) Help stop scammers by reporting suspicious profiles or messages to the dating app or social media platform. Then, tell the FTC at ReportFraud.ftc.gov. If someone is trying to extort you, report it to the FBI. Learn more at ftc.gov/romancescams."