Phishing. What is Phishing, how to avoid it and what is the responsibility of banks and savings banks before Pishing

«Phishing is a computer term that names a type of crime framed within the scope of scams, and that is committed through the use of a type of social engineering characterized by attempting to acquire confidential information fraudulently. "

La previous is the definition that occurs in the Wikipedia on Phishing, a place where an explanation of the etymological origin of the word is also given phishing and where you can find very interesting information for those who want to know more about the history of Pishing.

PFor those less initiated in computing, I leave you this other definition based on the almost exclusive use that is currently given to the term Phishing and that everyone will understand:

Yyou know what what is pishing, now the important thing is to know what we have to do to avoid falling into the trap and reveal our confidential access data to our financial institution.

Apart of the above you should keep in mind that it's not enough By deleting the emails that ask for your passwords, you should also be attentive to any email you receive, supposedly from a bank or box. Why, very easy, suppose your bank sends you an offer of something and you click on the link in the email to see the offer in question. You then access the website that makes the offer and after reading it you think "since I'm here, I'll look at my movements and the balance of my account." Then you look for the entry area to your account, login or registration, and enter your personal data. Bad bad …

SIf the email was sent to you by your authentic bank, nothing happens, it will be accessing your account as you normally do and end of story. But if the email is sent to you by another person who has created a web page identical to that of your bank, you have just screwed up because you gave them your confidential data and now you can access your account. The worst of all is that if the thief knows how to do it minimally well, you will leave the fake website without realizing that your keys have been stolen And maybe when you find out it's too late

POr that is not enough to distrust the emails that request passwords, You must a priori distrust all those who claim to come from a bank. You should take the following precautions:

1. As a first precaution, the best thing and what you should always do is visit your bank or savings bank writing directly your web address in the address bar of your browser.


2. No bank will ask you for your confidential data from a not secure server and if it does better I would change banks. To find out if the server is secure, look at the address bar and see if the web address is http or https. For example, your bank may be at the address http://www.mibanco.com/ but when it asks you for the passwords, it should ask for them from a secure page of the type o . Note that in both cases the address begins with https A which indicates that it is on a secure server. Remember to look at the "S" for added security
3. If despite the previous warning you access the bank from the mail, always note that the address that appears on the address bar matches exactly the address of your bank. Many times, websites that pretend to be your bank choose a very similar name to try to deceive you.
4. If you have the slightest doubt about whether or not the website you are on is really your bank, the better do not enter your passwords and contact your bank or savings bank through their customer service phone to verify the authenticity of the site.
5. Finally, the most important thing, get in touch with your bank and let them explain exactly what security policy they use to protect the theft of your keys, that they give you the exact address to access their secure page and that they explain you how to act when you think you could be Phishing victim.

What is the responsibility of banks and savings banks against Phishing?

In this regard there is nothing established, but from my personal opinion some entities (or their computer technicians) should be concerned about not allowing malicious users to make use of direct links to images of the entity (making mail more reliable) and similar things that help cybercriminals at your job.

MIn the meantime it will be up to us not to fall for one of these scams. You know, every day an unwary is born, don't be one of them. Vineyard greetings.