A type of fraud called pharming, more insidious than phishing, is widespread nowadays on the Internet.
Using various techniques, it generally entails installing a Trojan Horse, virus or worm on a computer without the user being aware of it, to divert access from an Internet site to a bogus site. Hackers work on the links between the address input in the browser and the IP address (the numeric address under which the site is registered on the Internet).
When the user inputs the correct URL of the bank site, he is redirected to a fake website (normally mirroring the bank’s log on screen), where he is asked to provide personal data such as: his Internet banking agreement number, password or full details of his security card, etc.
The data is then sent to the fraudsters so they can clean out the victim’s accounts.