Phishing. Users are fooled into entering information on a fake website. Most commonly, an email is sent that looks like it is from the consumer’s own bank or from a website where the consumer has shopped. The email contains a link that goes to a website that looks exactly like the bank’s or merchant’s website. The naïve consumer enters login and password information which is confiscated for use by the phisher.
Pharming. The pharmer corrupts the DNS server and redirects the consumer to a fake web site. Consumers do not suspect anything because the redirect happens even if the consumer types in the URL on the browser bar or selects the site from a saved favorites list.
Man-in-the-Middle. The cyberthief grabs the consumer’s information when the information is in transit over the internet. A server is used which appears to be real but is not.
Trojans and Keyloggers. Software which has been secretly embedded into the consumer’s computer captures each keystroke and mouse click. The information is sent to the cyberthief who uses the information to access the consumer’s accounts.
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