Goodbye phishing! Hello pharming!

According to the last report on fraud schemes, posted by NCFTA, phishing is about to retire.

Don't rush into thinking that you got rid of the most efficient methods of online fraud, because a new scheme is about to take its place.

So from now on, instead of phishing we will be dealing with pharming. The new fraud scheme is much more efficient because it doesn't rely on email, but on a virus that infects the user's computer.
When he tries to connect to his online banking service, the virus will redirect him to false site.

This site will request the user name and password, but also other personal information.

Another method involves server poisoning, a technology used by pharmers to modify the ip of the bank's site so that users are redirected to a false site.

The biggest problem is that users don't have a quick method for verifying ifi the site is real or not, the pharmers creating false sites whose addresses start with https://
The only way to find out if the site is credible is to check the authenticity of the digital certificate.

Another way to avoid pharming is to access the bank's site using the ip of web server, which can be found at www.networksolutions.com.