What is phishing and what's the origin of this term?
The activity of gathering confidential informations is a process condemned by law and it has as target the theft of financial informations and access passwords in bank accounts (and not only there). This activity is based on the ignorance of the fact that the official organizations do never send emails by means of soliciting confidential informations.
Examples of messages subjects are “Update Your Paypal Account” or “Your eBay User Account has been suspended!”, but they diversify according to regarded services supplier and targeted country. The requested informations usually are the number of the credit/debit card, PIN code for ATM's, informations about the bank account, personal numeric code/assurance account, access passwords, other personal data.
The pages used by the phishing authors are usually active only for a few hours or a few days.Technics of retrieving confidential dataExamples of messages (romanian language only):
„The link of the example: http://krumel.seo-point.com/bcr-noi-masuri-de-securitate-pentru-protectia-dumneavoastra/
„http://raiffeisenonline.ro/eBankingWeb/login
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The link of the example: http://krumel.seo-point.com/raiffeisen-bank-pishing-comision-de-intretinere/
„Incepand cu data de 16 - aprilie - 2008 serviciul Fastbanking de la Banca Transilvania va fi obligatoriu pentru toti clientii care poseda cardul maestro Banca Transilvania Direct.
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The link of the example: http://krumel.seo-point.com/pishing-banca-transilvania-fastbanking/- Social engineering: the URL is very much alike the real one, that can not be detected at first sight. For example, the address http://www.volksbank.com can be replaced with http://www.voIksbank.com – they seems identical but they are not: the letter “l” from the first link was replaced with the capital letter “i”.
- Pop-up: the connection in the email gets to the real web page, but another browser window (a pop-up) is showed first. Usually this pop-up windows doesn't have an addresses bar that can identify them as phoney pages.
Pharming”, or “domain spoofing”, redirect the user to a phoney web page even if the correct address is filled in. The correct URL remains showed in the access path of the browser, unchanged. To realize the redirecting process the name resolution must be modified by changing the settings for the TCP/IP protocol or by an entry in the “host” file.
“The phoney web page can use tricks like false tooltip or making not accessible the right click.
The consequences of the being entraped by such an attack varies from the inability to access an email to important financial loses, the delinquents can empty bank accounts, can create new accounts, can sign contracts (for utilities, for loans, etc) in victim's name, can commit crimes under false identity.
- Do not fill in electronic forms with confidential data, especially when they are send in emails. Any competent services suplier use secured web pages and digital certificates.
- Assure that you use a secured internet page (it contains https:// at the beginning of the link) and check the digital certificates.
- Constantly update your operating system and the softwares you usually work with for the newest patches as they appear.
The browser developers (Microsoft, Mozilla, etc) realized for their products methods to fight against the theft of personal informations, but the education of the users is the most important one. It's easier to prevent than repair. Be sceptic with unsolicited emails that you receive, no matter who (apparently) send them. Seek to confirm the identity of the sender through other methods.