How it works & it’s Prevention
“Phish” is pronounced just like it’s spelled, which is to say like the word “fish” — the analogy is of an angler throwing a baited hook out there and hoping you bite. Phishing is when cybercriminals send malicious emails designed to trick people into falling for a scam. The intent is often to get users to reveal financial information, system credentials, or other sensitive data.
Phishing is a method of trying to gather personal information using deceptive e-mails and websites. Here’s what you need to know about this venerable, but increasingly sophisticated, form of cyber attack.
Phishing is a cyber attack that uses disguised email as a weapon. The goal is to trick the email recipient into believing that the message is something they want or need — a request from their bank, for instance, or a note from someone in their company — and to click a link or download an attachment.
It is a cybercrime in which a target or targets are contacted by email, telephone or text message by someone posing as a legitimate institution to lure individuals into providing sensitive data such as personally identifiable information, banking and credit card details, and passwords.
The information is then used to access important accounts and can result in identity theft and financial loss. Users are susceptible to all manner of phishing scams, from free software to fake websites, from unsolicited photos to Nigerian fortunes. They unwittingly type their credentials into fraudulent screens. They click on malicious links that install system monitors, keyloggers, ransomware, backdoors, and bots.
Features of Phishing
Cyber criminals use phishing because it’s easy, cheap, and effective. Email addresses are easy to obtain, and emails are virtually free to send. With little effort and little cost, attackers can quickly gain access to valuable data. Those who fall for phishing scams may end up with malware infections (including ransomware), identity theft, and data loss.
Too Good to Be True – Lucrative offers and eye-catching or attention-grabbing statements are designed to attract people’s attention immediately. For instance, many claim that you have won an iPhone, a lottery, or some other lavish prize. Just don’t click on any suspicious emails. Remember that if it seems good to be true, it probably is!
Sense of Urgency – A favourite tactic amongst cybercriminals is to ask you to act fast because the super deals are only for a limited time. Some of them will even tell you that you have only a few minutes to respond. When you come across these kinds of emails, it’s best to just ignore them. Sometimes, they will tell you that your account will be suspended unless you update your personal details immediately. Most reliable organizations give ample time before they terminate an account and they never ask patrons to update personal details over the Internet. When in doubt, visit the source directly rather than clicking a link in an email.
Hyperlinks – A link may not be all it appears to be. Hovering over a link shows you the actual URL where you will be directed upon clicking on it. It could be completely different or it could be a popular website with a misspelling, for instance www.bankofarnerica.com – the ‘m’ is actually an ‘r’ and an ‘n’, so look carefully.
Attachments – If you see an attachment in an email you weren’t expecting or that doesn’t make sense, don’t open it! They often contain payloads like ransomware or other viruses. The only file type that is always safe to click on is a .txt file.
Unusual Sender – Whether it looks like it’s from someone you don’t know or someone you do know, if anything seems out of the ordinary, unexpected, out of character or just suspicious in general don’t click on it!
Prevention for Phishing Attacks
Generally, emails sent by a cyber criminals are masked so they appear to be sent by a business whose services are used by the recipient. A bank will not ask for personal information via email or suspend your account if you do not update your personal details within a certain period of time. Most banks and financial institutions also usually provide an account number or other personal details within the email, which ensures it’s coming from a reliable source. Cybercriminals use three primary mechanisms within phishing emails to steal your information – malicious web links, malicious attachments, and fraudulent data-entry forms.
- To protect against spam mails, spam filters can be used. Generally, the filters assess the origin of the message, the software used to send the message, and the appearance of the message to determine if it’s spam. Occasionally, spam filters may even block emails from legitimate sources, so it isn’t always 100% accurate.
- The browser settings should be changed to prevent fraudulent websites from opening. Browsers keep a list of fake websites and when you try to access the website, the address is blocked or an alert message is shown. The settings of the browser should only allow reliable websites to open up.
- Many websites require users to enter login information while the user image is displayed. This type of system may be open to security attacks. One way to ensure security is to change passwords on a regular basis, and never use the same password for multiple accounts. It’s also a good idea for websites to use a CAPTCHA system for added security.
- Banks and financial organizations use monitoring systems to prevent phishing. Individuals can report phishing to industry groups where legal actions can be taken against these fraudulent websites. Organizations should provide security awareness training to employees to recognize the risks.
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