Phishing and Pharming

Phishing is the term derived from "fishing". It leads to a criminal and a fraudulent method of acquiring confidential information relating to financial transactions, such as passwords, credit card/debit card information, PIN numbers etc. The most common targets are online banking, shopping portals, etc. The technique behind is to urge suspecting users to send sensitive information through emails, deceptive replication of reputed websites. Such data is used to take out money from one's account.

Pharming is a successor of phishing and it operates when a link is clicked on an email purporting from the bank, you are trapped. At this point, even if the key for URL is entered correctly, the malware manipulates the PC such that the browser will only lead to the fraudulent website.

Solution

  • Updated Anti Virus and anti spyware
  • Always check the url of the bank to be https:// and not http://
  • Always enter the URL of the bank manually in the address bar, never take it from any other websites or through email.
  • To guard against, fake websites, give the username correctly and enter the password wrongly, so that the original bank website will tell wrong and the fake website will give you a "Thank you Message"

Source: CHIP Magazine and online resource

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