Source: spamfighter
Complete item: http://www.spamfighter.com/News-12275-New-Phishing-Scam-Selects-First-Dakota-National-Bank-for-Target.htm
Description:
U.S. based First Dakota National Bank released a news item in the media last week alerting customers of a phishing e-mail that spoofs the Bank's name.
The scam e-mail claims that there is a new message for the recipient from the bank...to read it she/he must log into her/his online account with First Dakota and go to the Message Center Section. In an e-mail that reads: "First Dakota National Bank Online Banking," the recipient is asked to follow a given link.
But when the user clicks the link, she/he is directed to an Internet site that informs the user that the bank has restricted her/his online banking account. The site then asks for personal information like name, zip code, e-mail address and banking details like debit card number.
The "veteran's" would have you click a link that takes you to a cloned replica of the bank's original website.
The "professionals" would not even bother phishing, they would simply perform DNS Hijacking to a perfectly cloned site...when user's logged onto their online banking website, the pro's would be able to obtain username's and passwords. The pro's would then go to the the genuine site and have complete access to the account.
That is why bank's need our PCI 2.0 PIN Entry Device for secure log-in. They issue the card, they issue the PIN, so why the Username/Passe'word? Swipe the card, enter the PIN. You can't do it if you don't have the card and you can't do it if you don't have the PIN. That's what 2FA is all about. HomeATM's SafeTPIN is capable of stopping the professionals and the veteran's. The rookies might still get away with the occassional phishing attack, but never if consumers were instructed by their banks to always be SwipePIN.
As I've been prone to say in the past. It's inevitable that someone will be SwipePIN cardholder data...shouldn't it be the cardholder?
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