4 Ways To Make Your PC Safe For Online Banking

This is a guest post from Klas, an F-Secure expert. Enjoy!

You read about it in the news all the time these days: “Zeus Banking Trojan steals $1 million from U.K bank accounts”or “SpyEye: New PC virus steals your money!”

More and more people are doing their banking online and criminals go where the money is. It is clear that malware designed to steal money from online banks has become a real and actual threat.

Creating  banking trojans, unfortunately, is now pretty easy. There are ready made toolkits that criminals without the technical know-how can buy in order to create their own variant. A few clicks and the criminal has created his own personal piece of nastiness, designed to steal money from specific banks or accounts. Malware-as-a-service as our own Mikko Hyppönen put it.

So what exactly is a Banking Trojan? As with any other Trojan, it is a program that has been installed to your computer one way or another without you knowing its real purpose. Once there, it simply waits quietly in the background until you access your online bank. It will then start recording the information that you enter and send it back to criminals. It can now do automatic transactions in the background or alter the information that you see in order to buy time for the attacker to use your bank credentials for fraudulent transactions. Once the criminal has gotten your bank details there is no knowing what he or she can do.

So how to you protect yourself?

Here are 4 ways to make sure that when you bank on your PC, it’s as safe as it can possibly be.

1. Keep your operating system updated.
Think of your operating system as the walls around your house that keeps developing holes. Luckily, the maker of the wall will keep patching the holes. All you have to do is update your system software. You can do this on your Windows PC by going to windowsupdate.microsoft.com. On your Mac, you can go to the Apple menu and selecting “Software Update.”

2. Keep your software updated.
The programs on your PC also develop vulnerabilities that need to be patched or you may allow criminals a foothold into your life. You can update each application individually or you can use our free Health Check, which checks all of your major applications and your operating system to make sure they’re patched and protected.

3. Don’t click on links in emails from your bank.
It’s a good idea not to click on links in an email unless you specifically asked for it, such as a password refresh. A common practices is to spoof a bank’s look and send a scam email to thousands of recipients hoping to find a few that use the bank. You can avoid this by going to your bank’s site directly and calling them if you have a question.

4. Use Internet Security that has banking protection.
F-Secure’s Banking Protection automatically detects when you’re visiting an online bank. It notifies you that additional Banking Protection is enabled and adds an extra layer of security by only allowing access to banks or trusted sites that are necessary to do online banking. All other new connections will be prevented. In other words, there is no possibility for the attacker to get your bank details. Once you’re finished with your online banking, you simply end the Banking Protection mode and everything is back to normal. Sort of like unbuckling your safety belt when you’ve reached your destination. And no extra apps, plug-ins, or special browsers are required.

Banking Protection is a part of F-Secure Internet Security 2013 and works together with all the other security layers. All existing users of F-Secure Internet Security 2013 will receive Banking Protection as an automatic update in the first quarter of 2013, and those who do not want to wait can download the update now.

You can find out more about our new Banking Protection here.

We hope you enjoy the protection!

Image credit: MoneyBlogNewz

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Help! I lost my wallet, phone and everything! I need 1000 €!

“Sorry for the inconvenience, I'm in Limassol, Cyprus. I am here for a week and I just lost my bag containing all my important items, phone and money at the bus station. I need some help from you. Thanks” Many of you have seen these messages and some of you already know what the name of the game is. Yes, it’s another type of Internet scam, an imposter scam variant. I got this message last week from a photo club acquaintance. Or to be precise, the message was in bad Swedish from Google translate. Here’s what happened. First I got the mail. Needless to say, I never suspected that he was in trouble in Limassol. Instead I called him to check if he was aware of the scam. He was, I wasn’t the first to react. Several others had contacted him before me and some were posting warnings to his friends on Facebook. These scams start by someone breaking in to the victim’s web mail, which was Gmail in this case. This can happen because of a bad password, a phishing attack, malware in the computer or a breach in some other system. Then the scammer checks the settings and correspondence to find out what language the victim is using. The next step is to send a message like the above to all the victim’s contacts. The victim had reacted correctly and changed the Gmail password ASAP. But I wanted to verify and replied to the scam mail anyway, asking what I can do to help. One hour later I got this: “Thanks, I need to borrow about 1000 euros, will pay you back as soon as I get home. Western Union Money Transfer is the fastest option to wire funds to me. All you need to do is find the nearest Western Union shop and the money will be sent in minutes. See details needed WU transfer below. Name: (Redacted) Address: Limassol, Cyprus you must email me the reference number provided on the payment slip as soon as you make the transfer so I can receive money here. Thank you,” Now it should be obvious for everyone how this kind of scam works. Once the scammers get the reference number they just go to Western Union to cash in. Most recipients will not fall for this, but the scammers will get a nice profit if even one or two contacts send money. But wait. To pull this off, the scammers need to retain control over the mail account. They need to send the second mail and receive the reference number. How can this work if the victim had changed his password? This works by utilizing human’s inability to notice tiny details. The scammers will register a new mail account with an address that is almost identical to the victim’s. The first mail comes from the victim’s account, but directs replies to the new account. So the conversation can continue with the new account that people believe belongs to the victim. The new address may have a misspelled name or use a different separator between the first and last names. Or be in a different domain that is almost the same as the real one. The two addresses are totally different for computers, but a human need to pay close attention to notice the difference. How many of you would notice if a mail address changes from say Bill.Gates@gmail.com to BiII_Gates@mail.com? (How many differences do you notice, right answer at the end?) To be honest, I was sloppy too in this case and didn’t at first see the tiny difference. In theory it is also possible that webmail servers may leave active sessions open and let the scammers keep using the hacked account for a while after the password has been changed. I just tested this on Gmail. They close old sessions automatically pretty quickly, but it is anyway a good idea to use the security settings and manually terminate any connection the scammers may have open. I exchanged a couple of mails with this person the day after. He told that the scammers had changed the webmail user interface to Arabic, which probably is a hint about where they are from. I was just about to press send when I remembered to check the mail address. Bummer, the scammer’s address was still there so my reply would not have reached him unless I had typed the address manually. The account’s reply-to was still set to the scammer’s fake account. OK, let’s collect a checklist that helps identifying these scams. If someone asks for urgent help by mail, assume it’s a scam. These scams are a far more common than real requests for help. We are of course all ready to help friends, but are YOU really the one that the victim would contact in this situation? Are you close enough? How likely is it that you are close enough, but still had no clue he was travelling in Cyprus? Creating urgency is a very basic tool for scammers. Something must be done NOW so that people haven't got time to think or talk to others. The scammers may or may not be able to write correct English, but other languages are most likely hilarious Google-translations. Bad grammar is a strong warning sign. Requesting money using Western Union is another red flag. Wire transfer of money provides pretty much zero security for the sender, and scammers like that. Many scammers in this category try to fake an embarrassing situation and ask the recipient to not tell anyone else, to reduce the risk that someone else sees through it. These messages often state that the phone is lost to prevent the recipient from calling to check. But that is exactly what you should do anyway. Next checklist, how to deal with a situation where your account has been hijacked and used for scams. Act promptly. Change the mail account’s passwords. Check the webmail settings and especially the reply-to address. Correct any changed settings. Check for a function in the web mail that terminates open sessions from other devices. Gmail has a “Secure your account” -wizard under the account’s security settings. It’s a good idea to go through it. Inform your friends. A fast Facebook update may reach them before they see the scammer’s mail and prevent someone from falling for it. It also helps raising awareness. And finally, how to not be a victim in the first place. This is really about account security basics. Make sure you use a decent password. It’s easier to maintain good password habits with a password manager. Activate two-factor authentication on your important accounts. I think anyone’s main mail account is important enough for it. Learn to recognize phishing scams as they are a very common way to break into accounts. Maintain proper malware protection on all your devices. Spyware is a common way to steal account passwords. The last checklist is primarily about protecting your account. But that’s not the full picture. Imagine one of your friends falls for the scam and loses 1000 € when your account is hacked. It is kind of nice that someone cares that much about you, but losing money for it is not nice. Yes, the criminal scammer is naturally the primarily responsible. And yes, people who fall for the scam can to some extent blame themselves. But the one with the hacked account carries a piece of responsibility too. He or she could have avoided the whole incident with the tools described above. Caring about your account security is caring about your friends too! And last but not least. Knowledge is as usual the strongest weapon against scams. They work only as long as there are people who don’t recognize the scam pattern. Help fighting scam by spreading the word!   Safe surfing, Micke   PS. The two mail addresses above have 3 significant differences. 1. The name separator has changed from a dot to an underscore. 2. The domain name is mail.com instead of gmail.com. 3. The two lower case Ls in Bill has been replaced with capital I. Each of these changes is enough to make it a totally separate mail address.   Image by Yumi Kimura

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5 ways to get ready to ask Mikko anything

It's like a press conference anyone can join from anywhere. And even if you don't have a question, you can upvote the ones you don't like and downvote the ones you do. President Obama did one. Snoop Dogg/Snoop Lion did one. An astronaut did one from outer space. And our Mikko Hypponen will sit down for his second Reddit AMA on December 2 at 8 AM ET. If you have something you've wanted to ask him about online security, great. If not, here are five resources that document some of Mikko's more than two decades in the security industry to prod you or prepare you. 1. Check out this 2004 profile of his work from Vanity Fair. 2. Watch his 3 talks that have been featured on TED.com. [protected-iframe id="7579bbf790267cc081ac7d92d951262c-10874323-9129869" info="https://embed-ssl.ted.com/talks/mikko_hypponen_fighting_viruses_defending_the_net.html" width="640" height="360" frameborder="0" scrolling="no" webkitallowfullscreen="" mozallowfullscreen="" allowfullscreen=""] [protected-iframe id="fdf818f4afa2f7dcb179c5516c44918c-10874323-9129869" info="https://embed-ssl.ted.com/talks/mikko_hypponen_three_types_of_online_attack.html" width="640" height="360" frameborder="0" scrolling="no" webkitallowfullscreen="" mozallowfullscreen="" allowfullscreen=""] [protected-iframe id="54be2fe9bce28ae991becbe3d4291e56-10874323-9129869" info="https://embed-ssl.ted.com/talks/mikko_hypponen_how_the_nsa_betrayed_the_world_s_trust_time_to_act.html" width="640" height="360" frameborder="0" scrolling="no" webkitallowfullscreen="" mozallowfullscreen="" allowfullscreen=""] 3. Check out his first AMA, which took place just after his first talk at TEDglobal was published. 4. Take a trip to Pakistan with Mikko to meet the creators of the first PC virus. [protected-iframe id="8c0605f62076aa901ed165dbd3f4fcd7-10874323-9129869" info="//www.youtube-nocookie.com/v/lnedOWfPKT0?version=3&hl=en_US&rel=0" width="640" height="360"] 5. To get a sense of what he's been thinking about recently, watch his most recent talk at Black Hat "Governments as Malware Creators". [protected-iframe id="54b24406f022e81b15ad6dadf2adfc93-10874323-9129869" info="//www.youtube-nocookie.com/v/txknsq5Z5-8?hl=en_US&version=3&rel=0" width="640" height="360"] BONUS: Make sure you follow him on Twitter to get a constant stream of insight about online security, privacy and classic arcade games. Cheers, Sandra

Nov 14, 2014
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Your digital memories – will they vanish or persist?

If you like sailing and tall ships, I can recommend this podcast about Pam Bitterman’s book Sailing to the far horizon. It’s a great story about the last years of the community-operated ship Sofia, covering both a lot of happy sailing and the ship’s sad end in the early eighties. But this is not about hippies on a ship, it’s about how we record and remember our lives. In the podcast Pam tells us how the book was made possible by her parents saving her letters home. Perhaps they had a hunch that this story will be written down one day. Going on to state that e-mails and phone calls wouldn’t have been saved that way. That’s a very interesting point that should make us think. At least it made me think about what we will remember about our lives in, say, twenty years? We collect more info about what we are doing than ever before. We shoot digital pictures all the time and post status updates on Facebook. We are telling the world where we are, what we are doing and what we feel. Maybe in a way that is shallower than letters home, but we sample our lives at a very granular rate. The real question is however how persistent this data is? If we later realize we have experienced something unique enough to write a book about, have our digital life left enough traces to support us? Pam wrote the book about Sofia some twenty years later. A twenty year old paper is still young, but that’s an eternity in the digital world. Will you still be on the same social media service? Do you still have the same account or have you lost it. Does the service even exist? And what about your e-mails, have you saved them? How are your digital photos archived? You may even have cleaned up yourself to fit everything into a cheaper cloud account. Here’s something to keep in mind about retaining your digital life. Realize the value of your personal records. You may fail to see the value in single Facebook posts, but they may still form a valuable wholeness. If you save it you can choose to use it or not in the future. If you lose it you have no choice. Make sure you don’t lose access to your mail, social media and cloud storage accounts. That would force you to start fresh, which usually means data loss. Always register a secondary mail address in the services. That will help you recover if you forget the password. Use a password manager to avoid losing the password in the first place. Redundancy is your friend. Do not store important data in a single location. The ideal strategy is to store your files both on a local computer and in a cloud account. It provides redundancy and also stores data in several geographically separated locations. This is easy with younited because you can set it to automatically back up selected folders. Mail accounts have limited capacity and you can’t keep stuff forever. Don’t delete your correspondence. Check your mail client instead for a function that archives your mail to local storage. Check your social media service for a way to download a copy of your stuff. In Facebook you can currently find this function under Settings / General. It’s good to do this regularly, and you should at least do it if you plan to close your account and go elsewhere. Migrate your data when switching to a new computer or another cloud service. It might be tricky and take some time, but it is worth it. Do not see it as a great opportunity to start fresh and get rid of "old junk". If you are somewhat serious about digital photography, you should get familiar with DAM. That means Digital Asset Management. This book is a good start. Pam did not have a book in mind when she crossed the Pacific. But she was lucky and her parents helped her retain the memories. You will not be that lucky. Don’t expect your friends on Facebook to archive posts for you, you have to do it yourself. You may not think you’ll ever need the stuff, just like Pam couldn’t see the book coming when onboard Sofia. But you never know what plans the future has for you. When you least expect it, you might find yourself in a developing adventure. Make yourself a favor and don’t lose any digital memories. Safe surfing, Micke  

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