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a lot of new trojans proactively. On the other hand, it is

getting easier. You may even be able to precompute whether

your new malware will succeed.

One way to do this is through a targeted attack, where you

write a trojan and aim it at a specific part of the Internet, such

as a single company, whose defensive posture is known to you.

Targeted attacks are not especially difficult to orchestrate, and

there is a paper at this conference which investigates this

phenomenon [3].

Another way is to use an on-line service to which you can

submit malware samples and from which you will receive

automated replies telling you which products detected it, and

what they called it.

Q. On-line services to help you fine-tune your phishing

trojans?

A. That’s not how they position themselves, of course. Several

such services exist, and some are strongly supported by the

security industry. VirusTotal [4], for example, has permission

to use some 25 different products for scanning incoming files.

In return, samples are sent to vendors who miss them, thus

helping to improve detection and responsiveness.

Unfortunately, VirusTotal allows you to withhold submissions

from vendors (though this is not the default), which could be

said to play into the hands of organized crime and the

counterculture.

Q. So let’s assume you can create a new phishing trojan and

target me and my company with it. How can authentication, or

anything else, help me then?

A. When you are carrying out a financial transaction on-line,

there are several things that it pays you (literally and

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