The first recorded mention of the term "phishing" is on the alt.online-service.America-online Usenet newsgroup on January 2, 1996, although the term may have appeared earlier in the print edition of the hacker magazine 2600.  A phishing technique was described in detail as early as 1987, in a paper and presentation delivered to the International HP Users Group, Interex. The term phishing is a variant of fishing, probably influenced by phreaking, and alludes to the use of increasingly sophisticated baits used in the hope of a "catch" of financial information and passwords.

For example, 2003 saw the proliferation of a phishing scam in which users received e-mails supposedly from eBay claiming that the user’s account was about to be suspended unless he clicked on the provided link and updated the credit card information that the genuine eBay already had. Because it is relatively simple to make a website look like a legitimate organizations site by mimicking the HTML code, the scam counted on people being tricked into thinking they were actually being contacted by eBay and were subsequently going to eBay’s site to update their account information. By spamming large groups of people, the “phisher” counted on the e-mail being read by a percentage of people who actually had listed credit card numbers with eBay legitimately.
Phishing, also referred to as brand spoofing or carding.

What does a phishing scam look like?

As scam artists become more sophisticated, so do their phishing e-mail messages and pop-up windows.

They often include official-looking logos from real organizations and other identifying information taken directly from legitimate Web sites.

The following is an example of what a phishing scam e-mail message might look like.

 

Example of a phishing e-mail message, including a deceptive URL address linking to a scam Web site

To make these phishing e-mail messages look even more legitimate, the scam artists may place a link in them that appears to go to the legitimate Web site (1), but it actually takes you to a phony scam site (2) or possibly a pop-up window that looks exactly like the official site.

These copycat sites are also called "spoofed" Web sites. Once you're at one of these spoofed sites, you might unwittingly send personal information to the con artists.
 

How to tell if an e-mail message is fraudulent

Here are a few phrases to look for if you think an e-mail message is a phishing scam.

"Verify your account."
Businesses should not ask you to send passwords, login names, Social Security numbers, or other personal information through e-mail.

If you receive an e-mail from Microsoft asking you to update your credit card information, do not respond: this phishing scam.

"If you don't respond within 48 hours, your account will be closed."
These messages convey a sense of urgency so that you'll respond immediately without thinking. Phishing e-mail might even claim that your response is required because your account might have been compromised.

"Dear Valued Customer."
Phishing e-mail messages are usually sent out in bulk and often do not contain your first or last name.
 

"Click the link below to gain access to your account."
HTML-formatted messages can contain links or forms that you can fill out just as you'd fill out a form on a Web site.
The links that you are urged to click may contain all or part of a real company's name and are usually "masked," meaning that the link you see does not take you to that address but somewhere different, usually a phony Web site.
Notice in the following example that resting the mouse pointer on the link reveals the real Web address, as shown in the box with the yellow background. The string of cryptic numbers looks nothing like the company's Web address, which is a suspicious sign.

Example of masked URL address

 

Con artists also use Uniform Resource Locators (URLs) that resemble the name of a well-known company but are slightly altered by adding, omitting, or transposing letters. For example, the URL "www.microsoft.com" could appear instead as:
www.micosoft.com
www.mircosoft.com
www.verify-microsoft.com

Phishing Solution:

Use the latest products and services to help warn and protect you from online phishing scams

  Install the Microsoft Phishing Filter using Internet Explorer 7 or Windows Live Toolbar. Phishing Filter helps protect you from Web fraud and the risks of personal data theft by warning or blocking you from reported phishing Web sites.

   Install up-to-date antivirus and antispyware software. Some phishing e-mail contains malicious or unwanted software that can track your activities or simply slow your computer.

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