Why You Should Learn More About Computer Security (4)

I recently read an alarming series of articles, “Hacker Economics: Malware as a Service”, in CIO Magazine, in which the author, Scott Berinato, described the evolution of Internet crime into a service-oriented economy centered on identity theft and fraud (обман, мошенничество). Hackers are forming well funded organizations similar to drug cartels, and like the drug cartels, the fundamental principles of their success are “distributed pain with concentrated gain, and distributed risk».

The immense size of the market allows these criminals to distribute the pain by stealing a small amount of money from a large number of people. For example, if they steal $20 from 5,000 credit cards, they make $100,000, and no one person noticed or chose to investigate the charge (издержки). If those charges are distributed amongst ten different card issuers (выпуск), no one bank lost more than $10,000, which they simply write off as acceptable loss. If a victim goes to law enforcement, the law enforcement agency cannot justify the resources to investigate the fraud unless they hear from multiple victims and can determine that the incidents are related.

Even if law enforcement decides to open an investigation, the distributed risk principle hinders (препятствовать) the investigation. The hackers themselves barely handle the stolen data, and in many cases they contract out (предпринимать) the distribution of their malware. Furthermore, the information is sold to individuals who themselves do not commit fraud, but instead, sell the information to others who actually commit the fraud. The risk is shared by several links in a supply chain, but all of the money flows up to the cartel. Some researchers estimate that these cartels earn their members millions of dollars each month.

One of the first Trojans used to steal personal information is believed to have operated undetected for as long as nine months, during which it collected millions of personal credentials. Each month, Secure Science, a security research firm, discovers 3 million compromised login credentials (удостоверение личности) for banks, online e-mail accounts and anything else that requires a username and password on the Internet.

One of the first Trojans used to steal personal information is believed to have operated undetected for as long as nine months, during which it collected millions of personal credentials. Each month, Secure Science, a security research firm, discovers 3 million compromised login credentials (удостоверение личности) for banks, online e-mail accounts and anything else that requires a username and password on the Internet.

“Do you have a credit card? They've got it,” - states a former hacker turned Internet security researcher. “I'm not exaggerating. Your numbers will be compromised four or five times, even if they’re not used yet.”

How do they do it? The current distribution method of choice is to use an iFrame to download a form-grabbing Trojan onto the victim's computer. iFrames are a feature of your web browser that allows websites to deliver content from remote websites in a frame on a page. As an example, think of the current weather conditions streamed from weather.com into a small box on a newspaper’s website. Hackers, on the other hand, build invisible iFrames into webpages. The iFrame contains a tiny piece of software called a downloader which downloads malware onto the user's computer.

iFrames are so effective that a new business has emerged around them. These new companies pay for clickthroughs. If you agree to host their iFrame code on your website, you will receive a payment each week, contingent on 1,000 clickthroughs. They will even sell you malware code if you do not have your own. With a portfolio of infected sites, some companies sell access to their network at one dollar per infection.

In yet another example of hacking as a service, security researchers recently found a website which uses a botnet (infected computers under the control of hackers) of several million computers to infect other vulnerable (уязвимый) computers. For 20 cents per successful infection (or load), the customer can pay for loads based on IP address. Consequently, a user of this service could target a specific company or a university.

Anti-virus software, alone, is not sufficient protection. Hackers sell their malware to other hackers who modify the code to create variants or entirely new malware. In effect, the malware evolves, and with each evolution it gets better at avoiding detection and removal. Anti-virus vendors (продавцы) cannot keep pace.

How do you protect yourself from these hackers? First, secure your computer with 10 top tips. Second, protect your identity by reviewing your credit report on an annual basis. The three credit reporting agencies must provide, upon request, a copy of your credit report at no charge once a year. Third, remember, it is much simpler and far less risky to steal confidential information from your computer, than to compromise the security measures of a bank or online merchant, and then steal the information from them. Unfortunately, properly securing a computer is not a trivial exercise, and hackers take advantage of our naïveté. Each of us should endeavor (стараться) to learn more about computer security and the methods used by hackers. In this new age of Internet crime, our computers and ultimately our very identities are under attack. We must be proactive in securing our computers and protecting our identities.

Brice Knotts, Director

Student Affairs Administrative Technology Development

The Open Window (4)

by Hector Munro

"My aunt will be down presently, Mr. Nuttel," said a very self-possessed young lady of fifteen; "in the meantime you must try and put up with me."

Framton Nuttel endeavored to say the correct something which should duly Hatter the niece of the moment without unduly discounting the aunt that was to come. Privately he doubted more than ever whether these formal visits on a succession of total strangers would do much towards helping the nerve cure which he was supposed to be undergoing.

"I know how it will be," his sister had said when he was preparing to migrate to this rural retreat; "you will bury yourself down there and not speak to a living soul, and your nerves will be worse than ever from moping. I shall just give you letters of introduction to all the people I know there. Some of them, as far as I can remember, were quite nice."

Framton wondered whether Mrs. Sappleton, the lady to whom he was presenting one of the letters of introduction came into the nice division.

"Do you know many of the people round here?" asked the niece, when she judged that they had had sufficient silent communion.

"Hardly a soul," said Framton. "My sister was staying here, at the rectory, you know, some four years ago, and she gave me letters of introduction to some of the people here." He made the last statement in a tone of distinct regret. "Then you know practically nothing about my aunt?" pursued the self-possessed young lady.

"Only her name and address," admitted the caller. He was wondering whether Mrs. Sappleton was in the married or widowed state. An undefinable something about the room seemed to suggest masculine habitation.

"Her great tragedy happened just three years ago," said the child; "that would be since your sister's time."

"Her tragedy?" asked Framton; somehow in this restful country spot tragedies seemed out of place.

"You may wonder why we keep that window wide open on an October afternoon," said the niece, indicating a large French window that opened on to a lawn. "It is quite warm for the time of the year," said Framton; "but has that window got anything to do with the tragedy?"

"Out through that window, three years ago to a day, her husband and her two young brothers went off for their day's shooting. They never came back. In crossing the moor to their favorite snipe-shooting ground they were all three engulfed in a treacherous piece of bog. It had been that dreadful wet summer, you know, and places that were safe in other years gave way suddenly without warning. Their bodies were never recovered. That was the dreadful part of it." Here the child's voice lost its self-possessed note and became falteringly human. "Poor aunt always thinks that they will come back someday, they and the little brown spaniel that was lost with them, and walk in at that window just as they used to do. That is why the window is kept open every evening till it is quite dusk. Poor dear aunt, she has often told me how they went out, her husband with his white waterproof coat over his arm, and Ronnie, her youngest brother, singing 'Bertie, why do you bound?' as he always did to tease her, because she said it got on her nerves. Do you know, sometimes on still, quiet evenings like this, I almost get a creepy feeling that they will all walk in through that window."

She broke off with a little shudder. It was a relief to Framton when the aunt bustled into the room with a whirl of apologies for being late in making her appearance. "I hope Vera has been amusing you?" she said.

"She has been very interesting," said Framton.

"I hope you don't mind the open window," said Mrs. Sappleton briskly; "my husband and brothers will be home directly from shooting, and they always come in this way. They've been out for snipe in the marshes today, so they'll make a fine mess over my poor carpets. So like you menfolk, isn't it?"

She rattled on cheerfully about the shooting and the scarcity of birds, and the prospects for duck in the winter. To Framton it was all purely horrible. He made a desperate but only partially successful effort to turn the talk on to a less ghastly topic, he was conscious that his hostess was giving him only a fragment of her attention, and her eyes were constantly straying past him to the open window and the lawn beyond. It was certainly an unfortunate coincidence that he should have paid his visit on this tragic anniversary.

"The doctors agree in ordering me complete rest, an absence of mental excitement, and avoidance of anything in the nature of violent physical exercise," announced Framton, who labored under the tolerably widespread delusion that total strangers and chance acquaintances are hungry for the least detail of one's ailments and infirmities, their cause and cure. "On the matter of diet they are not so much in agreement," he continued.

"No?" said Mrs. Sappleton, in a voice which only replaced a yawn at the last moment. Then she suddenly brightened into alert attention--but not to what Framton was saying. "Here they are at last!" she cried. "Just in time for tea, and don't they look as if they were muddy up to the eyes!"

Framton shivered slightly and turned towards the niece with a look intended to convey sympathetic comprehension. The child was staring out through the open window with a dazed horror in her eyes. In a chill shock of nameless fear Framton swung round in his seat and looked in the same direction.

In the deepening twilight three figures were walking across the lawn towards the window, they all carried guns under their arms, and one of them was additionally burdened with a white coat hung over his shoulders. A tired brown spaniel kept close at their heels. Noiselessly they neared the house, and then a hoarse young voice chanted out of the dusk: "I said, Bertie, why do you bound?"

Framton grabbed wildly at his stick and hat; the hall door, the gravel drive, and the front gate were dimly noted stages in his headlong retreat. A cyclist coming along the road had to run into the hedge to avoid imminent collision.

"Here we are, my dear," said the bearer of the white mackintosh, coming in through the window, "fairly muddy, but most of it's dry. Who was that who bolted out as we came up?" "A most extraordinary man, a Mr. Nuttel," said Mrs. Sappleton; "could only talk about his illnesses, and dashed off without a word of goodby or apology when you arrived. One would think he had seen a ghost."

"I expect it was the spaniel," said the niece calmly; "he told me he had a horror of dogs. He was once hunted into a cemetery somewhere on the banks of the Ganges by a pack of pariah dogs, and had to spend the night in a newly dug grave with the creatures snarling and grinning and foaming just above him. Enough to make anyone lose their nerve."

Romance at short notice was her speciality.