Cybersecurity For Dummies. Joseph Steinberg
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Discussions of indirect financial fraud of the aforementioned types is not theoretical or the result of paranoid or conspiracy theories; criminals have already been caught engaging in precisely such behavior. These types of scams are often also less risky to criminals than directly stealing money, as it is difficult for regulators to detect such crimes as they happen, and it is nearly impossible for anyone to reverse any relevant transactions. For sophisticated cybercriminals, the lower risks of getting caught coupled with the relatively high chances of success translate into a potential gold mine.
Stealing credit card, debit card, and other payment-related information
As often appears in news reports, many criminals seek to steal credit card or debit card numbers. Thieves can use these numbers to purchase goods or services without paying. Some criminals tend to purchase electronic gift cards, software serial numbers, or other semi-liquid or liquid assets that they then resell for cash to unsuspecting people, while others purchase actual hard goods and services that they may have delivered to locations such as empty houses, where they can easily pick up the items.
Other criminals don’t use the credit cards that they steal. Instead, they sell the numbers on the dark web (that is, portions of the Internet that can be accessed only when using technology that grants anonymity to those using it) to criminals who have the infrastructure to maximally exploit the credit cards quickly before people report fraud on the accounts and the cards are blocked.
Stealing goods
Besides the forms of theft of goods described in the preceding section, some criminals seek to find information about orders of high-value, small, liquid items, such as jewelry. In some cases, their goal is to steal the items when the items are delivered to the recipients rather than to create fraudulent transactions.
Stealing data
Some criminals steal data so they can use it to commit various financial crimes. Other criminals steal data to sell it to others or leak it to the public. Stolen data from a business, for example, may be extremely valuable to an unscrupulous competitor.
Ransomware
Ransomware is computer malware that prevents users from accessing their files until they pay a ransom to some criminal or criminal enterprise. This type of cyberattack alone has already netted criminals billions of dollars (yes, that is billions with a b) and endangered many lives as infected hospital computer systems became inaccessible to doctors. In fact, there are multiple cases known today in which ransomware may have directly contributed to a person dying prematurely or unnecessarily.
Ransomware remains a growing threat, with criminals constantly improving the technical capabilities and earning potential of their cyberweapons. Criminals are, for example, crafting ransomware that, in an effort to obtain larger returns on investment, infects a computer and attempts to search through connected networks and devices to find the most sensitive systems and data. Then, instead of kidnapping the data that it first encountered, the ransomware activates and prevents access to the most valuable information.
Ransomware is growing increasingly stealthy and often avoids detection by antivirus software. Furthermore, the criminals who use ransomware are often launching targeted attacks against parties that they know have the ability to pay decent ransoms. Criminals know, for example, that the average American is far more likely to pay $200 for a ransom than the average person living in China. Likewise, they often target environments in which going offline has serious consequences — a hospital, for example, can’t afford to be without its patient records system for any significant period of time.
Cryptominers
A cryptominer, in the context of malware, refers to software that usurps some of an infected computer’s resources in order to use them to perform the complex mathematical calculations needed to create new units of cryptocurrency. The currency that is created is transferred to the criminal operating the cryptominer. Many modern day cryptominer malware variants utilize groups of infected machines working in concert to do the mining.
Because cryptominers create money for criminals without the need for any involvement by their human victims, cybercriminals, especially those who lack the sophistication to launch high-stakes targeted ransomware attacks, have increasingly gravitated to cryptominers as a quick way to monetize cyberattacks.
While the value of cryptocurrencies fluctuates wildly (at least as of the time of the writing of this chapter), some relatively unsophisticated cryptocurrency mining networks are believed to net their operators more than $30,000 per month.
Not All Dangers Come From Attackers: Dealing with Nonmalicious Threats
While some potential attackers are intent on benefiting at your expense, others have no intentions of inflicting harm. However, these parties can innocently inflict dangers that can be even greater than those posed by hostile actors.
Human error
Perhaps the greatest cybersecurity danger of all — whether for an individual, business, or government entity — is the possibility of human error. Nearly all major breaches covered in the media over the past decade were made possible, at least in part, because of some element of human error. In fact, human error is often necessary for the hostile actors to succeed with their attacks — a phenomenon about which they’re well aware.
Humans: The Achilles’ heel of cybersecurity
Why are humans so often the weak point in the cybersecurity chain — making the mistakes that enable massive breaches? The answer is quite simple.
Consider how much technology has advanced in recent years. Electronic devices that are ubiquitous today were the stuff of science-fiction books and movies just one or two generations ago. In many cases, technology has even surpassed predictions about the future — today’s phones are much more powerful and convenient than Maxwell Smart’s shoe-phone, and Dick Tracy’s watch would not even be perceived as advanced enough to be a modern day toy when compared with devices that today cost under $100.
Security technology has also advanced dramatically over time. Every year multiple new products are launched, and many new, improved versions of existing technologies appear on the market. The intrusion detection technology of today, for example, is so much better than that of even one decade ago that even classifying them into the same category of product offering is questionable.
On the flip side, however, consider the human brain. It took tens of thousands of years for human brains to evolve from that of earlier species — no fundamental improvement takes place during a human lifetime, or even within centuries of generations coming and going. As such, security technology advances far more rapidly than the human mind.
Furthermore, advances in technology often translate into humans needing to interact with, and understand how to properly utilize a growing number of increasingly complex devices, systems, and software. Given human limitations, the chances of people making significant mistakes keep going up over time.
The increasing demand for brainpower that advancing technology places on people is observable even at a most basic level. How many passwords did your grandparents need to know when they were your age? How many did your parents need? How many do you need? And, how easily could remote hackers crack passwords and exploit them for gain in the era of your grandparents?