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Wikipedia

Phishing

Phishing is a form of social engineering and scam where attackers deceive people into revealing sensitive information[1] or installing malware such as ransomware. Phishing attacks have become increasingly sophisticated and often transparently mirror the site being targeted, allowing the attacker to observe everything while the victim is navigating the site, and transverse any additional security boundaries with the victim.[2] As of 2020, it is the most common type of cybercrime, with the FBI's Internet Crime Complaint Center reporting more incidents of phishing than any other type of computer crime.[3]

An example of a phishing email, disguised as an official email from a (fictional) bank. The sender is attempting to trick the recipient into revealing confidential information by prompting them to "confirm" it at the phisher's website. The email deliberately misspells some words.

The term "phishing" was first recorded in 1995 in the cracking toolkit AOHell, but may have been used earlier in the hacker magazine 2600.[4][5][6] It is a variation of fishing and refers to the use of lures to "fish" for sensitive information.[5][7][8]

Measures to prevent or reduce the impact of phishing attacks include legislation, user education, public awareness, and technical security measures.[9] The importance of phishing awareness has increased in both personal and professional settings, with phishing attacks among businesses rising from 72% to 86% from 2017 to 2020.[10]

Types edit

Email phishing edit

Phishing attacks, often delivered via email spam, attempt to trick individuals into giving away sensitive information or login credentials. Most attacks are "bulk attacks" that are not targeted and are instead sent in bulk to a wide audience.[11] The goal of the attacker can vary, with common targets including financial institutions, email and cloud productivity providers, and streaming services.[12] The stolen information or access may be used to steal money, install malware, or spear phish others within the target organization.[5] Compromised streaming service accounts may also be sold on darknet markets.[13]

This type of social engineering attack can involve sending fraud emails or messages that appear to be from a trusted source, such as a bank or government agency. These messages typically redirect to a fake login page where the user is prompted to enter their login credentials.

Spear phishing edit

Spear phishing is a targeted phishing attack that uses personalized emails[14] to trick a specific individual or organization into believing they are legitimate. It often utilizes personal information about the target to increase the chances of success.[15][16][17][18] These attacks often target executives or those in financial departments with access to sensitive financial data and services. Accountancy and audit firms are particularly vulnerable to spear phishing due to the value of the information their employees have access to.[19]

The Russian government run Threat Group-4127 (Fancy Bear) (GRU Unit 26165) targeted Hillary Clinton's 2016 presidential campaign with spear phishing attacks on over 1,800 Google accounts, using the accounts-google.com domain to threaten targeted users.[20][21]

A study on spear phishing susceptibility among different age groups found that 43% of youth aged 18-25 and 58% of older users clicked on simulated phishing links in daily emails over 21 days. Older women had the highest susceptibility, while susceptibility in young users declined over the study, but remained stable in older users.[22]

Whaling and CEO fraud edit

Whaling attacks use spear phishing techniques to target senior executives and other high-profile individuals[23] with customized content, often related to a subpoena or customer complaint.[24]

CEO fraud involves sending fake emails from senior executives to trick employees into sending money to an offshore account.[25] It has a low success rate, but can result in organizations losing large sums of money.[26]

Clone phishing edit

Clone phishing is a type of attack where a legitimate email with an attachment or link is copied and modified to contain malicious content. The modified email is then sent from a fake address made to look like it's from the original sender. The attack may appear to be a resend or update of the original email. It often relies on the sender or recipient being previously hacked so the attacker can access the legitimate email.[27][28]

Voice phishing edit

Voice over IP (VoIP) is used in vishing or voice phishing attacks,[29] where attackers make automated phone calls to large numbers of people, often using text-to-speech synthesizers, claiming fraudulent activity on their accounts. The attackers spoof the calling phone number to appear as if it is coming from a legitimate bank or institution. The victim is then prompted to enter sensitive information or connected to a live person who uses social engineering tactics to obtain information.[29] Vishing takes advantage of the public's lower awareness and trust in voice telephony compared to email phishing.[30]

SMS phishing edit

SMS phishing[31] or smishing[32][33] is a type of phishing attack that uses text messages from a cell phone or smartphone to deliver a bait message.[34] The victim is usually asked to click a link, call a phone number, or contact an email address provided by the attacker. They may then be asked to provide private information, such as login credentials for other websites. The difficulty in identifying illegitimate links can be compounded on mobile devices due to the limited display of URLs in mobile browsers.[35] Smishing can be just as effective as email phishing, as many smartphones have fast internet connectivity. Smishing messages may also come from unusual phone numbers.[36]

Page hijacking edit

Page hijacking involves redirecting users to malicious websites or exploit kits through the compromise of legitimate web pages, often using cross site scripting. Hackers may insert exploit kits such as MPack into compromised websites to exploit legitimate users visiting the server. Page hijacking can also involve the insertion of malicious inline frames, allowing exploit kits to load. This tactic is often used in conjunction with watering hole attacks on corporate targets.[citation needed]

Calendar phishing edit

Calendar phishing involves sending fake calendar invitations with phishing links. These invitations often mimic common event requests and can easily be added to calendars automatically.[37] To protect against this form of fraud, former Google click fraud czar Shuman Ghosemajumder recommends changing calendar settings to not automatically add new invitations.[38]

Quishing edit

QR codes have been used maliciously in phishing attacks.[39] The term "quishing" involves deceiving individuals into thinking a QR code is harmless while the true intent is malicious, aiming to access sensitive information.[39] Cybercriminals exploit the trust placed in QR codes, particularly on mobile phones, which are more vulnerable to attacks compared to desktop operating systems.[39] Quishing attacks often involve sending QR codes via email, enticing users to scan them to verify accounts, leading to potential device compromise.[39] It is advised to exercise caution and avoid scanning QR codes unless the source is verified.[39]

Techniques edit

Link manipulation edit

Phishing attacks often involve creating fake links that appear to be from a legitimate organization.[40] These links may use misspelled URLs or subdomains to deceive the user. In the following example URL, http://www.yourbank.example.com/, it can appear to the untrained eye as though the URL will take the user to the example section of the yourbank website; actually this URL points to the "yourbank" (i.e. phishing subdomain) section of the example website (fraudster's domain name). Another tactic is to make the displayed text for a link appear trustworthy, while the actual link goes to the phisher's site. To check the destination of a link, many email clients and web browsers will show the URL in the status bar when the mouse is hovering over it. However, some phishers may be able to bypass this security measure.[41]

Internationalized domain names (IDNs) can be exploited via IDN spoofing[42] or homograph attacks[43] to allow attackers to create fake websites with visually identical addresses to legitimate ones. These attacks have been used by phishers to disguise malicious URLs using open URL redirectors on trusted websites.[44][45][46] Even digital certificates, such as SSL, may not protect against these attacks as phishers can purchase valid certificates and alter content to mimic genuine websites or host phishing sites without SSL.[47]

Filter evasion edit

Phishers have sometimes used images instead of text to make it harder for anti-phishing filters to detect the text commonly used in phishing emails.[48] In response, more sophisticated anti-phishing filters are able to recover hidden text in images using optical character recognition (OCR).[49]

Social engineering edit

 
A fake virus notification

Phishing often uses social engineering techniques to trick users into performing actions such as clicking a link or opening an attachment, or revealing sensitive information. It often involves pretending to be a trusted entity and creating a sense of urgency,[50] like threatening to close or seize a victim's bank or insurance account.[51]

An alternative technique to impersonation-based phishing is the use of fake news articles to trick victims into clicking on a malicious link. These links often lead to fake websites that appear legitimate,[52] but are actually run by attackers who may try to install malware or present fake "virus" notifications to the victim.[53]

History edit

Early history edit

Early phishing techniques can be traced back to the 1990s, when black hat hackers and the warez community used AOL to steal credit card information and commit other online crimes. The term "phishing" is said to have been coined by Khan C. Smith, a well-known spammer and hacker,[54] and its first recorded mention was found in the hacking tool AOHell, which was released in 1995. AOHell allowed hackers to impersonate AOL staff and send instant messages to victims asking them to reveal their passwords.[55][56] In response, AOL implemented measures to prevent phishing and eventually shut down the warez scene on their platform.[57][58]

2000s edit

In the 2000s, phishing attacks became more organized and targeted. The first known direct attempt against a payment system, E-gold, occurred in June 2001, and shortly after the September 11 attacks, a "post-9/11 id check" phishing attack followed.[59] The first known phishing attack against a retail bank was reported in September 2003.[60] Between May 2004 and May 2005, approximately 1.2 million computer users in the United States suffered losses caused by phishing, totaling approximately US$929 million.[61] Phishing was recognized as a fully organized part of the black market, and specializations emerged on a global scale that provided phishing software for payment, which were assembled and implemented into phishing campaigns by organized gangs.[62][63] The United Kingdom banking sector suffered from phishing attacks, with losses from web banking fraud almost doubling in 2005 compared to 2004.[64][65] In 2006, almost half of phishing thefts were committed by groups operating through the Russian Business Network based in St. Petersburg.[66] Email scams posing as the Internal Revenue Service were also used to steal sensitive data from U.S. taxpayers.[67] Social networking sites are a prime target of phishing, since the personal details in such sites can be used in identity theft;[68] In 2007, 3.6 million adults lost US$3.2 billion due to phishing attacks.[69] The Anti-Phishing Working Group reported receiving 115,370 phishing email reports from consumers with US and China hosting more than 25% of the phishing pages each in the third quarter of 2009.[70]

2010s edit

Phishing in the 2010s saw a significant increase in the number of attacks. In 2011, the master keys for RSA SecurID security tokens were stolen through a phishing attack.[71][72] Chinese phishing campaigns also targeted high-ranking officials in the US and South Korean governments and military, as well as Chinese political activists.[73][74] According to Ghosh, phishing attacks increased from 187,203 in 2010 to 445,004 in 2012. In August 2013, Outbrain suffered a spear-phishing attack,[75] and in November 2013, 110 million customer and credit card records were stolen from Target customers through a phished subcontractor account.[76] CEO and IT security staff subsequently fired.[77] In August 2014, iCloud leaks of celebrity photos were based on phishing e-mails sent to victims that looked like they came from Apple or Google.[78] In November 2014, phishing attacks on ICANN gained administrative access to the Centralized Zone Data System; also gained was data about users in the system - and access to ICANN's public Governmental Advisory Committee wiki, blog, and whois information portal.[79] Fancy Bear was linked to spear-phishing attacks against the Pentagon email system in August 2015,[80][81] and the group used a zero-day exploit of Java in a spear-phishing attack on the White House and NATO.[82][83] Fancy Bear carried out spear phishing attacks on email addresses associated with the Democratic National Committee in the first quarter of 2016.[84][85] In August 2016, members of the Bundestag and political parties such as Linken-faction leader Sahra Wagenknecht, Junge Union, and the CDU of Saarland were targeted by spear-phishing attacks suspected to be carried out by Fancy Bear. In August 2016, the World Anti-Doping Agency reported the receipt of phishing emails sent to users of its database claiming to be official WADA, but consistent with the Russian hacking group Fancy Bear.[86][87][88] In 2017, 76% of organizations experienced phishing attacks, with nearly half of the information security professionals surveyed reporting an increase from 2016. In the first half of 2017, businesses and residents of Qatar were hit with over 93,570 phishing events in a three-month span.[89] In August 2017, customers of Amazon faced the Amazon Prime Day phishing attack, when hackers sent out seemingly legitimate deals to customers of Amazon. When Amazon's customers attempted to make purchases using the "deals", the transaction would not be completed, prompting the retailer's customers to input data that could be compromised and stolen.[90] In 2018, the company block.one, which developed the EOS.IO blockchain, was attacked by a phishing group who sent phishing emails to all customers aimed at intercepting the user's cryptocurrency wallet key, and a later attack targeted airdrop tokens.[91]

2020s edit

Phishing attacks have evolved in the 2020s to include elements of social engineering, as demonstrated by the July 15, 2020, Twitter breach. In this case, a 17-year-old hacker and accomplices set up a fake website resembling Twitter's internal VPN provider used by remote working employees. Posing as helpdesk staff, they called multiple Twitter employees, directing them to submit their credentials to the fake VPN website.[92] Using the details supplied by the unsuspecting employees, they were able to seize control of several high-profile user accounts, including those of Barack Obama, Elon Musk, Joe Biden, and Apple Inc.'s company account. The hackers then sent messages to Twitter followers soliciting Bitcoin, promising to double the transaction value in return. The hackers collected 12.86 BTC (about $117,000 at the time).[93]

Anti-phishing edit

There are anti-phishing websites which publish exact messages that have been recently circulating the internet, such as FraudWatch International and Millersmiles. Such sites often provide specific details about the particular messages.[94][95]

As recently as 2007, the adoption of anti-phishing strategies by businesses needing to protect personal and financial information was low.[96] Now there are several different techniques to combat phishing, including legislation and technology created specifically to protect against phishing. These techniques include steps that can be taken by individuals, as well as by organizations. Phone, web site, and email phishing can now be reported to authorities, as described below.

User training edit

 
Frame of an animation by the U.S. Federal Trade Commission intended to educate citizens about phishing tactics

Effective phishing education, including conceptual knowledge[97] and feedback,[98][99] is an important part of any organization's anti-phishing strategy. While there is limited data on the effectiveness of education in reducing susceptibility to phishing,[100] much information on the threat is available online.[51]

Simulated phishing campaigns, in which organizations test their employees' training by sending fake phishing emails, are commonly used to assess their effectiveness. One example is a study by the National Library of Medicine, in which an organization received 858,200 emails during a 1-month testing period, with 139,400 (16%) being marketing and 18,871 (2%) being identified as potential threats. These campaigns are often used in the healthcare industry, as healthcare data is a valuable target for hackers. These campaigns are just one of the ways that organizations are working to combat phishing.[101]

To avoid phishing attempts, people can modify their browsing habits[102] and be cautious of emails claiming to be from a company asking to "verify" an account. It's best to contact the company directly or manually type in their website address rather than clicking on any hyperlinks in suspicious emails.[103]

Nearly all legitimate e-mail messages from companies to their customers contain an item of information that is not readily available to phishers. Some companies, for example PayPal, always address their customers by their username in emails, so if an email addresses the recipient in a generic fashion ("Dear PayPal customer") it is likely to be an attempt at phishing.[104] Furthermore, PayPal offers various methods to determine spoof emails and advises users to forward suspicious emails to their spoof@PayPal.com domain to investigate and warn other customers. However it is unsafe to assume that the presence of personal information alone guarantees that a message is legitimate,[105] and some studies have shown that the presence of personal information does not significantly affect the success rate of phishing attacks;[106] which suggests that most people do not pay attention to such details.

Emails from banks and credit card companies often include partial account numbers, but research[107] has shown that people tend to not differentiate between the first and last digits. This is an issue because the first few digits are often the same for all clients of a financial institution.

A study on phishing attacks in game environments found that educational games can effectively educate players against information disclosures and can increase awareness on phishing risk thus mitigating risks.[108] This an example of how users can be trained through game based models.

The Anti-Phishing Working Group, who's one of the largest anti-phishing organizations in the world, produces regular report on trends in phishing attacks.[109]

Google posted a video demonstrating how to identify and protect yourself from Phishing scams.[110]

Technical approaches edit

A wide range of technical approaches are available to prevent phishing attacks reaching users or to prevent them from successfully capturing sensitive information.

Filtering out phishing mail edit

Specialized spam filters can reduce the number of phishing emails that reach their addressees' inboxes. These filters use a number of techniques including machine learning[111] and natural language processing approaches to classify phishing emails,[112][113] and reject email with forged addresses.[114]

Browsers alerting users to fraudulent websites edit

 
Screenshot of Firefox 2.0.0.1 Phishing suspicious site warning

Another popular approach to fighting phishing is to maintain a list of known phishing sites and to check websites against the list. One such service is the Safe Browsing service.[115] Web browsers such as Google Chrome, Internet Explorer 7, Mozilla Firefox 2.0, Safari 3.2, and Opera all contain this type of anti-phishing measure.[116][117][118][119][120] Firefox 2 used Google anti-phishing software. Opera 9.1 uses live blacklists from Phishtank, cyscon and GeoTrust, as well as live whitelists from GeoTrust. Some implementations of this approach send the visited URLs to a central service to be checked, which has raised concerns about privacy.[121] According to a report by Mozilla in late 2006, Firefox 2 was found to be more effective than Internet Explorer 7 at detecting fraudulent sites in a study by an independent software testing company.[122]

An approach introduced in mid-2006 involves switching to a special DNS service that filters out known phishing domains: this will work with any browser,[123] and is similar in principle to using a hosts file to block web adverts.

To mitigate the problem of phishing sites impersonating a victim site by embedding its images (such as logos), several site owners have altered the images to send a message to the visitor that a site may be fraudulent. The image may be moved to a new filename and the original permanently replaced, or a server can detect that the image was not requested as part of normal browsing, and instead send a warning image.[124][125]

Services helping to remove personal information edit

Personal data removal services search the internet to find and remove personal information from places that are not safe and have a big chance of leaking information.[126][127] This effort makes it much harder for scammers to succeed in phishing scams, where they trick individuals into sharing personal information by pretending to be someone trustworthy. By constantly looking out for personal information online, these services can quickly act to remove it if it appears somewhere new. This reduces the time hackers can use individual’s data.

Data removal services extend their offerings beyond the mere deletion of personal data; they also provide guidance on maintaining online safety.[128] This guidance encompasses strategies for identifying phishing scams and emphasizes the significance of safeguarding personal information. Education serves as a crucial component in enhancing security, as familiarity with potential threats can help minimize the likelihood of becoming a victim.

For enterprises, adherence to data protection statutes such as the General Data Protection Regulation (GDPR) in Europe or the California Consumer Privacy Act (CCPA) in the United States is essential. These statutes aim to safeguard consumer data and mandate that businesses manage this data responsibly. Data removal services can assist in ensuring that businesses remain in compliance with these legal requirements, potentially circumventing fines and preventing data breaches that might precipitate phishing attacks.

Augmenting password logins edit

The Bank of America website[129][130] is one of several that asks users to select a personal image (marketed as SiteKey) and displays this user-selected image with any forms that request a password. Users of the bank's online services are instructed to enter a password only when they see the image they selected. However, several studies suggest that few users refrain from entering their passwords when images are absent.[131][132] In addition, this feature (like other forms of two-factor authentication) is susceptible to other attacks, such as those suffered by Scandinavian bank Nordea in late 2005,[133] and Citibank in 2006.[134]

A similar system, in which an automatically generated "Identity Cue" consisting of a colored word within a colored box is displayed to each website user, is in use at other financial institutions.[135]

Security skins[136][137] are a related technique that involves overlaying a user-selected image onto the login form as a visual cue that the form is legitimate. Unlike the website-based image schemes, however, the image itself is shared only between the user and the browser, and not between the user and the website. The scheme also relies on a mutual authentication protocol, which makes it less vulnerable to attacks that affect user-only authentication schemes.

Still another technique relies on a dynamic grid of images that is different for each login attempt. The user must identify the pictures that fit their pre-chosen categories (such as dogs, cars and flowers). Only after they have correctly identified the pictures that fit their categories are they allowed to enter their alphanumeric password to complete the login. Unlike the static images used on the Bank of America website, a dynamic image-based authentication method creates a one-time passcode for the login, requires active participation from the user, and is very difficult for a phishing website to correctly replicate because it would need to display a different grid of randomly generated images that includes the user's secret categories.[138]

Monitoring and takedown edit

Several companies offer banks and other organizations likely to suffer from phishing scams round-the-clock services to monitor, analyze and assist in shutting down phishing websites.[139] Automated detection of phishing content is still below accepted levels for direct action, with content-based analysis reaching between 80% and 90% of success[140] so most of the tools include manual steps to certify the detection and authorize the response.[141] Individuals can contribute by reporting phishing to both volunteer and industry groups,[142] such as cyscon or PhishTank.[143] Phishing web pages and emails can be reported to Google.[144][145]

Transaction verification and signing edit

Solutions have also emerged using the mobile phone[146] (smartphone) as a second channel for verification and authorization of banking transactions.

Multi-factor authentication edit

Organizations can implement two factor or multi-factor authentication (MFA), which requires a user to use at least 2 factors when logging in. (For example, a user must both present a smart card and a password). This mitigates some risk, in the event of a successful phishing attack, the stolen password on its own cannot be reused to further breach the protected system. However, there are several attack methods which can defeat many of the typical systems.[147] MFA schemes such as WebAuthn address this issue by design.

Email content redaction edit

Organizations that prioritize security over convenience can require users of its computers to use an email client that redacts URLs from email messages, thus making it impossible for the reader of the email to click on a link, or even copy a URL. While this may result in an inconvenience, it does almost eliminate email phishing attacks.

Limitations of technical responses edit

An article in Forbes in August 2014 argues that the reason phishing problems persist even after a decade of anti-phishing technologies being sold is that phishing is "a technological medium to exploit human weaknesses" and that technology cannot fully compensate for human weaknesses.[148][149]

Organizational responses

Scholars have found that the investment into both technological and organizational factors can impact protection against phishing. The studies found that organizations can improve their technical education of employees if they include socio-technical factors in their training.[150]

Legal responses edit

Video instruction by the US Federal Trade Commission on how to file a complaint with the Federal Trade Commission

On January 26, 2004, the U.S. Federal Trade Commission filed the first lawsuit against a Californian teenager suspected of phishing by creating a webpage mimicking America Online and stealing credit card information.[151] Other countries have followed this lead by tracing and arresting phishers. A phishing kingpin, Valdir Paulo de Almeida, was arrested in Brazil for leading one of the largest phishing crime rings, which in two years stole between US$18 million and US$37 million.[152] UK authorities jailed two men in June 2005 for their role in a phishing scam,[153] in a case connected to the U.S. Secret Service Operation Firewall, which targeted notorious "carder" websites.[154] In 2006, Japanese police arrested eight people for creating fake Yahoo Japan websites, netting themselves ¥100 million (US$870,000)[155] and the FBI detained a gang of sixteen in the U.S. and Europe in Operation Cardkeeper.[156]

Senator Patrick Leahy introduced the Anti-Phishing Act of 2005 to Congress in the United States on March 1, 2005. This bill aimed to impose fines of up to $250,000 and prison sentences of up to five years on criminals who used fake websites and emails to defraud consumers.[157] In the UK, the Fraud Act 2006[158] introduced a general offense of fraud punishable by up to ten years in prison and prohibited the development or possession of phishing kits with the intention of committing fraud.[159]

Companies have also joined the effort to crack down on phishing. On March 31, 2005, Microsoft filed 117 federal lawsuits in the U.S. District Court for the Western District of Washington. The lawsuits accuse "John Doe" defendants of obtaining passwords and confidential information. March 2005 also saw a partnership between Microsoft and the Australian government teaching law enforcement officials how to combat various cyber crimes, including phishing.[160] Microsoft announced a planned further 100 lawsuits outside the U.S. in March 2006,[161] followed by the commencement, as of November 2006, of 129 lawsuits mixing criminal and civil actions.[162] AOL reinforced its efforts against phishing[163] in early 2006 with three lawsuits[164] seeking a total of US$18 million under the 2005 amendments to the Virginia Computer Crimes Act,[165][166] and Earthlink has joined in by helping to identify six men subsequently charged with phishing fraud in Connecticut.[167]

In January 2007, Jeffrey Brett Goodin of California became the first defendant convicted by a jury under the provisions of the CAN-SPAM Act of 2003. He was found guilty of sending thousands of emails to AOL users, while posing as the company's billing department, which prompted customers to submit personal and credit card information. Facing a possible 101 years in prison for the CAN-SPAM violation and ten other counts including wire fraud, the unauthorized use of credit cards, and the misuse of AOL's trademark, he was sentenced to serve 70 months. Goodin had been in custody since failing to appear for an earlier court hearing and began serving his prison term immediately.[168][169][170][171]

Notable incidents edit

See also edit

References edit

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External links edit

  • Anti-Phishing Working Group
  • Center for Identity Management and Information Protection – Utica College
  • Plugging the "phishing" hole: legislation versus technology 2005-12-28 at the Wayback MachineDuke Law & Technology Review
  • Example of a Phishing Attempt with Screenshots and Explanations – StrategicRevenue.com
  • A Profitless Endeavor: Phishing as Tragedy of the Commons – Microsoft Corporation
  • Database for information on phishing sites reported by the public – PhishTank
  • The Impact of Incentives on Notice and Take-down − Computer Laboratory, University of Cambridge (PDF, 344 kB)

phishing, confused, with, fishing, pishing, smishing, redirects, here, swapping, items, swishing, form, social, engineering, scam, where, attackers, deceive, people, into, revealing, sensitive, information, installing, malware, such, ransomware, attacks, have,. Not to be confused with Fishing or Pishing Smishing redirects here For the act of swapping items see Swishing Phishing is a form of social engineering and scam where attackers deceive people into revealing sensitive information 1 or installing malware such as ransomware Phishing attacks have become increasingly sophisticated and often transparently mirror the site being targeted allowing the attacker to observe everything while the victim is navigating the site and transverse any additional security boundaries with the victim 2 As of 2020 it is the most common type of cybercrime with the FBI s Internet Crime Complaint Center reporting more incidents of phishing than any other type of computer crime 3 An example of a phishing email disguised as an official email from a fictional bank The sender is attempting to trick the recipient into revealing confidential information by prompting them to confirm it at the phisher s website The email deliberately misspells some words The term phishing was first recorded in 1995 in the cracking toolkit AOHell but may have been used earlier in the hacker magazine 2600 4 5 6 It is a variation of fishing and refers to the use of lures to fish for sensitive information 5 7 8 Measures to prevent or reduce the impact of phishing attacks include legislation user education public awareness and technical security measures 9 The importance of phishing awareness has increased in both personal and professional settings with phishing attacks among businesses rising from 72 to 86 from 2017 to 2020 10 Contents 1 Types 1 1 Email phishing 1 1 1 Spear phishing 1 1 2 Whaling and CEO fraud 1 1 3 Clone phishing 1 2 Voice phishing 1 3 SMS phishing 1 4 Page hijacking 1 5 Calendar phishing 1 6 Quishing 2 Techniques 2 1 Link manipulation 2 2 Filter evasion 2 3 Social engineering 3 History 3 1 Early history 3 2 2000s 3 3 2010s 3 4 2020s 4 Anti phishing 4 1 User training 4 2 Technical approaches 4 2 1 Filtering out phishing mail 4 2 2 Browsers alerting users to fraudulent websites 4 2 3 Services helping to remove personal information 4 2 4 Augmenting password logins 4 2 5 Monitoring and takedown 4 2 6 Transaction verification and signing 4 2 7 Multi factor authentication 4 2 8 Email content redaction 4 2 9 Limitations of technical responses 4 3 Legal responses 5 Notable incidents 6 See also 7 References 8 External linksTypes editEmail phishing edit Phishing attacks often delivered via email spam attempt to trick individuals into giving away sensitive information or login credentials Most attacks are bulk attacks that are not targeted and are instead sent in bulk to a wide audience 11 The goal of the attacker can vary with common targets including financial institutions email and cloud productivity providers and streaming services 12 The stolen information or access may be used to steal money install malware or spear phish others within the target organization 5 Compromised streaming service accounts may also be sold on darknet markets 13 This type of social engineering attack can involve sending fraud emails or messages that appear to be from a trusted source such as a bank or government agency These messages typically redirect to a fake login page where the user is prompted to enter their login credentials Spear phishing edit Spear phishing is a targeted phishing attack that uses personalized emails 14 to trick a specific individual or organization into believing they are legitimate It often utilizes personal information about the target to increase the chances of success 15 16 17 18 These attacks often target executives or those in financial departments with access to sensitive financial data and services Accountancy and audit firms are particularly vulnerable to spear phishing due to the value of the information their employees have access to 19 The Russian government run Threat Group 4127 Fancy Bear GRU Unit 26165 targeted Hillary Clinton s 2016 presidential campaign with spear phishing attacks on over 1 800 Google accounts using the accounts google com domain to threaten targeted users 20 21 A study on spear phishing susceptibility among different age groups found that 43 of youth aged 18 25 and 58 of older users clicked on simulated phishing links in daily emails over 21 days Older women had the highest susceptibility while susceptibility in young users declined over the study but remained stable in older users 22 Whaling and CEO fraud edit Whaling attacks use spear phishing techniques to target senior executives and other high profile individuals 23 with customized content often related to a subpoena or customer complaint 24 CEO fraud involves sending fake emails from senior executives to trick employees into sending money to an offshore account 25 It has a low success rate but can result in organizations losing large sums of money 26 Clone phishing edit Clone phishing is a type of attack where a legitimate email with an attachment or link is copied and modified to contain malicious content The modified email is then sent from a fake address made to look like it s from the original sender The attack may appear to be a resend or update of the original email It often relies on the sender or recipient being previously hacked so the attacker can access the legitimate email 27 28 Voice phishing edit Main article Voice phishing Voice over IP VoIP is used in vishing or voice phishing attacks 29 where attackers make automated phone calls to large numbers of people often using text to speech synthesizers claiming fraudulent activity on their accounts The attackers spoof the calling phone number to appear as if it is coming from a legitimate bank or institution The victim is then prompted to enter sensitive information or connected to a live person who uses social engineering tactics to obtain information 29 Vishing takes advantage of the public s lower awareness and trust in voice telephony compared to email phishing 30 SMS phishing edit SMS phishing 31 or smishing 32 33 is a type of phishing attack that uses text messages from a cell phone or smartphone to deliver a bait message 34 The victim is usually asked to click a link call a phone number or contact an email address provided by the attacker They may then be asked to provide private information such as login credentials for other websites The difficulty in identifying illegitimate links can be compounded on mobile devices due to the limited display of URLs in mobile browsers 35 Smishing can be just as effective as email phishing as many smartphones have fast internet connectivity Smishing messages may also come from unusual phone numbers 36 Page hijacking edit Page hijacking involves redirecting users to malicious websites or exploit kits through the compromise of legitimate web pages often using cross site scripting Hackers may insert exploit kits such as MPack into compromised websites to exploit legitimate users visiting the server Page hijacking can also involve the insertion of malicious inline frames allowing exploit kits to load This tactic is often used in conjunction with watering hole attacks on corporate targets citation needed Calendar phishing edit Calendar phishing involves sending fake calendar invitations with phishing links These invitations often mimic common event requests and can easily be added to calendars automatically 37 To protect against this form of fraud former Google click fraud czar Shuman Ghosemajumder recommends changing calendar settings to not automatically add new invitations 38 Quishing edit QR codes have been used maliciously in phishing attacks 39 The term quishing involves deceiving individuals into thinking a QR code is harmless while the true intent is malicious aiming to access sensitive information 39 Cybercriminals exploit the trust placed in QR codes particularly on mobile phones which are more vulnerable to attacks compared to desktop operating systems 39 Quishing attacks often involve sending QR codes via email enticing users to scan them to verify accounts leading to potential device compromise 39 It is advised to exercise caution and avoid scanning QR codes unless the source is verified 39 Techniques editLink manipulation edit Phishing attacks often involve creating fake links that appear to be from a legitimate organization 40 These links may use misspelled URLs or subdomains to deceive the user In the following example URL http www yourbank example com it can appear to the untrained eye as though the URL will take the user to the example section of the yourbank website actually this URL points to the yourbank i e phishing subdomain section of the example website fraudster s domain name Another tactic is to make the displayed text for a link appear trustworthy while the actual link goes to the phisher s site To check the destination of a link many email clients and web browsers will show the URL in the status bar when the mouse is hovering over it However some phishers may be able to bypass this security measure 41 Internationalized domain names IDNs can be exploited via IDN spoofing 42 or homograph attacks 43 to allow attackers to create fake websites with visually identical addresses to legitimate ones These attacks have been used by phishers to disguise malicious URLs using open URL redirectors on trusted websites 44 45 46 Even digital certificates such as SSL may not protect against these attacks as phishers can purchase valid certificates and alter content to mimic genuine websites or host phishing sites without SSL 47 Filter evasion edit Phishers have sometimes used images instead of text to make it harder for anti phishing filters to detect the text commonly used in phishing emails 48 In response more sophisticated anti phishing filters are able to recover hidden text in images using optical character recognition OCR 49 Social engineering edit nbsp A fake virus notification Phishing often uses social engineering techniques to trick users into performing actions such as clicking a link or opening an attachment or revealing sensitive information It often involves pretending to be a trusted entity and creating a sense of urgency 50 like threatening to close or seize a victim s bank or insurance account 51 An alternative technique to impersonation based phishing is the use of fake news articles to trick victims into clicking on a malicious link These links often lead to fake websites that appear legitimate 52 but are actually run by attackers who may try to install malware or present fake virus notifications to the victim 53 History editMain article List of phishing incidents Early history edit Early phishing techniques can be traced back to the 1990s when black hat hackers and the warez community used AOL to steal credit card information and commit other online crimes The term phishing is said to have been coined by Khan C Smith a well known spammer and hacker 54 and its first recorded mention was found in the hacking tool AOHell which was released in 1995 AOHell allowed hackers to impersonate AOL staff and send instant messages to victims asking them to reveal their passwords 55 56 In response AOL implemented measures to prevent phishing and eventually shut down the warez scene on their platform 57 58 2000s edit In the 2000s phishing attacks became more organized and targeted The first known direct attempt against a payment system E gold occurred in June 2001 and shortly after the September 11 attacks a post 9 11 id check phishing attack followed 59 The first known phishing attack against a retail bank was reported in September 2003 60 Between May 2004 and May 2005 approximately 1 2 million computer users in the United States suffered losses caused by phishing totaling approximately US 929 million 61 Phishing was recognized as a fully organized part of the black market and specializations emerged on a global scale that provided phishing software for payment which were assembled and implemented into phishing campaigns by organized gangs 62 63 The United Kingdom banking sector suffered from phishing attacks with losses from web banking fraud almost doubling in 2005 compared to 2004 64 65 In 2006 almost half of phishing thefts were committed by groups operating through the Russian Business Network based in St Petersburg 66 Email scams posing as the Internal Revenue Service were also used to steal sensitive data from U S taxpayers 67 Social networking sites are a prime target of phishing since the personal details in such sites can be used in identity theft 68 In 2007 3 6 million adults lost US 3 2 billion due to phishing attacks 69 The Anti Phishing Working Group reported receiving 115 370 phishing email reports from consumers with US and China hosting more than 25 of the phishing pages each in the third quarter of 2009 70 2010s edit Phishing in the 2010s saw a significant increase in the number of attacks In 2011 the master keys for RSA SecurID security tokens were stolen through a phishing attack 71 72 Chinese phishing campaigns also targeted high ranking officials in the US and South Korean governments and military as well as Chinese political activists 73 74 According to Ghosh phishing attacks increased from 187 203 in 2010 to 445 004 in 2012 In August 2013 Outbrain suffered a spear phishing attack 75 and in November 2013 110 million customer and credit card records were stolen from Target customers through a phished subcontractor account 76 CEO and IT security staff subsequently fired 77 In August 2014 iCloud leaks of celebrity photos were based on phishing e mails sent to victims that looked like they came from Apple or Google 78 In November 2014 phishing attacks on ICANN gained administrative access to the Centralized Zone Data System also gained was data about users in the system and access to ICANN s public Governmental Advisory Committee wiki blog and whois information portal 79 Fancy Bear was linked to spear phishing attacks against the Pentagon email system in August 2015 80 81 and the group used a zero day exploit of Java in a spear phishing attack on the White House and NATO 82 83 Fancy Bear carried out spear phishing attacks on email addresses associated with the Democratic National Committee in the first quarter of 2016 84 85 In August 2016 members of the Bundestag and political parties such as Linken faction leader Sahra Wagenknecht Junge Union and the CDU of Saarland were targeted by spear phishing attacks suspected to be carried out by Fancy Bear In August 2016 the World Anti Doping Agency reported the receipt of phishing emails sent to users of its database claiming to be official WADA but consistent with the Russian hacking group Fancy Bear 86 87 88 In 2017 76 of organizations experienced phishing attacks with nearly half of the information security professionals surveyed reporting an increase from 2016 In the first half of 2017 businesses and residents of Qatar were hit with over 93 570 phishing events in a three month span 89 In August 2017 customers of Amazon faced the Amazon Prime Day phishing attack when hackers sent out seemingly legitimate deals to customers of Amazon When Amazon s customers attempted to make purchases using the deals the transaction would not be completed prompting the retailer s customers to input data that could be compromised and stolen 90 In 2018 the company block one which developed the EOS IO blockchain was attacked by a phishing group who sent phishing emails to all customers aimed at intercepting the user s cryptocurrency wallet key and a later attack targeted airdrop tokens 91 2020s edit Phishing attacks have evolved in the 2020s to include elements of social engineering as demonstrated by the July 15 2020 Twitter breach In this case a 17 year old hacker and accomplices set up a fake website resembling Twitter s internal VPN provider used by remote working employees Posing as helpdesk staff they called multiple Twitter employees directing them to submit their credentials to the fake VPN website 92 Using the details supplied by the unsuspecting employees they were able to seize control of several high profile user accounts including those of Barack Obama Elon Musk Joe Biden and Apple Inc s company account The hackers then sent messages to Twitter followers soliciting Bitcoin promising to double the transaction value in return The hackers collected 12 86 BTC about 117 000 at the time 93 Anti phishing editThis section needs additional citations for verification Please help improve this article by adding citations to reliable sources in this section Unsourced material may be challenged and removed Find sources Phishing news newspapers books scholar JSTOR August 2021 Learn how and when to remove this message There are anti phishing websites which publish exact messages that have been recently circulating the internet such as FraudWatch International and Millersmiles Such sites often provide specific details about the particular messages 94 95 As recently as 2007 the adoption of anti phishing strategies by businesses needing to protect personal and financial information was low 96 Now there are several different techniques to combat phishing including legislation and technology created specifically to protect against phishing These techniques include steps that can be taken by individuals as well as by organizations Phone web site and email phishing can now be reported to authorities as described below User training edit nbsp Frame of an animation by the U S Federal Trade Commission intended to educate citizens about phishing tactics Effective phishing education including conceptual knowledge 97 and feedback 98 99 is an important part of any organization s anti phishing strategy While there is limited data on the effectiveness of education in reducing susceptibility to phishing 100 much information on the threat is available online 51 Simulated phishing campaigns in which organizations test their employees training by sending fake phishing emails are commonly used to assess their effectiveness One example is a study by the National Library of Medicine in which an organization received 858 200 emails during a 1 month testing period with 139 400 16 being marketing and 18 871 2 being identified as potential threats These campaigns are often used in the healthcare industry as healthcare data is a valuable target for hackers These campaigns are just one of the ways that organizations are working to combat phishing 101 To avoid phishing attempts people can modify their browsing habits 102 and be cautious of emails claiming to be from a company asking to verify an account It s best to contact the company directly or manually type in their website address rather than clicking on any hyperlinks in suspicious emails 103 Nearly all legitimate e mail messages from companies to their customers contain an item of information that is not readily available to phishers Some companies for example PayPal always address their customers by their username in emails so if an email addresses the recipient in a generic fashion Dear PayPal customer it is likely to be an attempt at phishing 104 Furthermore PayPal offers various methods to determine spoof emails and advises users to forward suspicious emails to their spoof PayPal com domain to investigate and warn other customers However it is unsafe to assume that the presence of personal information alone guarantees that a message is legitimate 105 and some studies have shown that the presence of personal information does not significantly affect the success rate of phishing attacks 106 which suggests that most people do not pay attention to such details Emails from banks and credit card companies often include partial account numbers but research 107 has shown that people tend to not differentiate between the first and last digits This is an issue because the first few digits are often the same for all clients of a financial institution A study on phishing attacks in game environments found that educational games can effectively educate players against information disclosures and can increase awareness on phishing risk thus mitigating risks 108 This an example of how users can be trained through game based models The Anti Phishing Working Group who s one of the largest anti phishing organizations in the world produces regular report on trends in phishing attacks 109 Google posted a video demonstrating how to identify and protect yourself from Phishing scams 110 Technical approaches edit A wide range of technical approaches are available to prevent phishing attacks reaching users or to prevent them from successfully capturing sensitive information Filtering out phishing mail edit Specialized spam filters can reduce the number of phishing emails that reach their addressees inboxes These filters use a number of techniques including machine learning 111 and natural language processing approaches to classify phishing emails 112 113 and reject email with forged addresses 114 Browsers alerting users to fraudulent websites edit nbsp Screenshot of Firefox 2 0 0 1 Phishing suspicious site warning Another popular approach to fighting phishing is to maintain a list of known phishing sites and to check websites against the list One such service is the Safe Browsing service 115 Web browsers such as Google Chrome Internet Explorer 7 Mozilla Firefox 2 0 Safari 3 2 and Opera all contain this type of anti phishing measure 116 117 118 119 120 Firefox 2 used Google anti phishing software Opera 9 1 uses live blacklists from Phishtank cyscon and GeoTrust as well as live whitelists from GeoTrust Some implementations of this approach send the visited URLs to a central service to be checked which has raised concerns about privacy 121 According to a report by Mozilla in late 2006 Firefox 2 was found to be more effective than Internet Explorer 7 at detecting fraudulent sites in a study by an independent software testing company 122 An approach introduced in mid 2006 involves switching to a special DNS service that filters out known phishing domains this will work with any browser 123 and is similar in principle to using a hosts file to block web adverts To mitigate the problem of phishing sites impersonating a victim site by embedding its images such as logos several site owners have altered the images to send a message to the visitor that a site may be fraudulent The image may be moved to a new filename and the original permanently replaced or a server can detect that the image was not requested as part of normal browsing and instead send a warning image 124 125 Services helping to remove personal information edit Personal data removal services search the internet to find and remove personal information from places that are not safe and have a big chance of leaking information 126 127 This effort makes it much harder for scammers to succeed in phishing scams where they trick individuals into sharing personal information by pretending to be someone trustworthy By constantly looking out for personal information online these services can quickly act to remove it if it appears somewhere new This reduces the time hackers can use individual s data Data removal services extend their offerings beyond the mere deletion of personal data they also provide guidance on maintaining online safety 128 This guidance encompasses strategies for identifying phishing scams and emphasizes the significance of safeguarding personal information Education serves as a crucial component in enhancing security as familiarity with potential threats can help minimize the likelihood of becoming a victim For enterprises adherence to data protection statutes such as the General Data Protection Regulation GDPR in Europe or the California Consumer Privacy Act CCPA in the United States is essential These statutes aim to safeguard consumer data and mandate that businesses manage this data responsibly Data removal services can assist in ensuring that businesses remain in compliance with these legal requirements potentially circumventing fines and preventing data breaches that might precipitate phishing attacks Augmenting password logins edit The Bank of America website 129 130 is one of several that asks users to select a personal image marketed as SiteKey and displays this user selected image with any forms that request a password Users of the bank s online services are instructed to enter a password only when they see the image they selected However several studies suggest that few users refrain from entering their passwords when images are absent 131 132 In addition this feature like other forms of two factor authentication is susceptible to other attacks such as those suffered by Scandinavian bank Nordea in late 2005 133 and Citibank in 2006 134 A similar system in which an automatically generated Identity Cue consisting of a colored word within a colored box is displayed to each website user is in use at other financial institutions 135 Security skins 136 137 are a related technique that involves overlaying a user selected image onto the login form as a visual cue that the form is legitimate Unlike the website based image schemes however the image itself is shared only between the user and the browser and not between the user and the website The scheme also relies on a mutual authentication protocol which makes it less vulnerable to attacks that affect user only authentication schemes Still another technique relies on a dynamic grid of images that is different for each login attempt The user must identify the pictures that fit their pre chosen categories such as dogs cars and flowers Only after they have correctly identified the pictures that fit their categories are they allowed to enter their alphanumeric password to complete the login Unlike the static images used on the Bank of America website a dynamic image based authentication method creates a one time passcode for the login requires active participation from the user and is very difficult for a phishing website to correctly replicate because it would need to display a different grid of randomly generated images that includes the user s secret categories 138 Monitoring and takedown edit Several companies offer banks and other organizations likely to suffer from phishing scams round the clock services to monitor analyze and assist in shutting down phishing websites 139 Automated detection of phishing content is still below accepted levels for direct action with content based analysis reaching between 80 and 90 of success 140 so most of the tools include manual steps to certify the detection and authorize the response 141 Individuals can contribute by reporting phishing to both volunteer and industry groups 142 such as cyscon or PhishTank 143 Phishing web pages and emails can be reported to Google 144 145 Transaction verification and signing edit Solutions have also emerged using the mobile phone 146 smartphone as a second channel for verification and authorization of banking transactions Multi factor authentication edit Organizations can implement two factor or multi factor authentication MFA which requires a user to use at least 2 factors when logging in For example a user must both present a smart card and a password This mitigates some risk in the event of a successful phishing attack the stolen password on its own cannot be reused to further breach the protected system However there are several attack methods which can defeat many of the typical systems 147 MFA schemes such as WebAuthn address this issue by design Email content redaction edit Organizations that prioritize security over convenience can require users of its computers to use an email client that redacts URLs from email messages thus making it impossible for the reader of the email to click on a link or even copy a URL While this may result in an inconvenience it does almost eliminate email phishing attacks Limitations of technical responses edit An article in Forbes in August 2014 argues that the reason phishing problems persist even after a decade of anti phishing technologies being sold is that phishing is a technological medium to exploit human weaknesses and that technology cannot fully compensate for human weaknesses 148 149 Organizational responsesScholars have found that the investment into both technological and organizational factors can impact protection against phishing The studies found that organizations can improve their technical education of employees if they include socio technical factors in their training 150 Legal responses edit source source source source source source source Video instruction by the US Federal Trade Commission on how to file a complaint with the Federal Trade Commission On January 26 2004 the U S Federal Trade Commission filed the first lawsuit against a Californian teenager suspected of phishing by creating a webpage mimicking America Online and stealing credit card information 151 Other countries have followed this lead by tracing and arresting phishers A phishing kingpin Valdir Paulo de Almeida was arrested in Brazil for leading one of the largest phishing crime rings which in two years stole between US 18 million and US 37 million 152 UK authorities jailed two men in June 2005 for their role in a phishing scam 153 in a case connected to the U S Secret Service Operation Firewall which targeted notorious carder websites 154 In 2006 Japanese police arrested eight people for creating fake Yahoo Japan websites netting themselves 100 million US 870 000 155 and the FBI detained a gang of sixteen in the U S and Europe in Operation Cardkeeper 156 Senator Patrick Leahy introduced the Anti Phishing Act of 2005 to Congress in the United States on March 1 2005 This bill aimed to impose fines of up to 250 000 and prison sentences of up to five years on criminals who used fake websites and emails to defraud consumers 157 In the UK the Fraud Act 2006 158 introduced a general offense of fraud punishable by up to ten years in prison and prohibited the development or possession of phishing kits with the intention of committing fraud 159 Companies have also joined the effort to crack down on phishing On March 31 2005 Microsoft filed 117 federal lawsuits in the U S District Court for the Western District of Washington The lawsuits accuse John Doe defendants of obtaining passwords and confidential information March 2005 also saw a partnership between Microsoft and the Australian government teaching law enforcement officials how to combat various cyber crimes including phishing 160 Microsoft announced a planned further 100 lawsuits outside the U S in March 2006 161 followed by the commencement as of November 2006 of 129 lawsuits mixing criminal and civil actions 162 AOL reinforced its efforts against phishing 163 in early 2006 with three lawsuits 164 seeking a total of US 18 million under the 2005 amendments to the Virginia Computer Crimes Act 165 166 and Earthlink has joined in by helping to identify six men subsequently charged with phishing fraud in Connecticut 167 In January 2007 Jeffrey Brett Goodin of California became the first defendant convicted by a jury under the provisions of the CAN SPAM Act of 2003 He was found guilty of sending thousands of emails to AOL users while posing as the company s billing department which prompted customers to submit personal and credit card information Facing a possible 101 years in prison for the CAN SPAM violation and ten other counts including wire fraud the unauthorized use of credit cards and the misuse of AOL s trademark he was sentenced to serve 70 months Goodin had been in custody since failing to appear for an earlier court hearing and began serving his prison term immediately 168 169 170 171 Notable incidents edit2016 2021 literary phishing theftsSee also edit nbsp Law portal Anti phishing software computer programs that attempt to identify phishing content contained in websites and e 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Identity Management and Information Protection Utica College Plugging the phishing hole legislation versus technology Archived 2005 12 28 at the Wayback Machine Duke Law amp Technology Review Example of a Phishing Attempt with Screenshots and Explanations StrategicRevenue com A Profitless Endeavor Phishing as Tragedy of the Commons Microsoft Corporation Database for information on phishing sites reported by the public PhishTank The Impact of Incentives on Notice and Take down Computer Laboratory University of Cambridge PDF 344 kB Retrieved from https en wikipedia org w index php title Phishing amp oldid 1221317498 Spear phishing, wikipedia, wiki, book, books, library,

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