Hi there.
The several hundred thousand "Ma and Pa Kettle" types won't be on the Internet at any one time -- if you are committing Fraud on any "sensible" scale you want to do it quickly -- In and out and get away with a reasonable "profit" before anybody catches you.
A few dollars here and there might be interesting if you are say working in a Bank and can process 100,000's of transactions in a short time but it's just not worth the effort to "the average criminal".
Most businesses whether on XP or not usually have fairly restrictive Internet Access policies anyway -- you have to be fairly high up or have a reasonably responsible position before you get "Un-controlled" Internet access - and if you are one of these types you are likely to get newer gear before anybody else in the organisation.
While people like Dutch and UK Gov'ts are paying for continued XP support -- Hope the taxpayers of those countries remember that at their Next elections - why this sort of money is being spent when there was 6 YEARS WARNING !! that XP would be discontinued I still think the threat is more imagined than real - especially as a lot of the old "Ma and Pa Kettle's" will never have installed any AV software in the first place.
Surf sensibly, don't download anything unless you know EXACTLY what you are looking for-- a lot of downloads are hidden with extra green arrows for downloading anything except the software you want, uncheck any toolbars etc and NEVER EVER open any email attachments unless you know EXACTLY who it comes from -- and a few sites now masquerade as "official one's" such as UK HRMC Tax revenue service - don't click on any links on those emails either.
99.9999% of people will get de-frauded NOT because of computer Viruses but simply by falling foul to Internet activities and bad computer practices which no AV software can prevent.
(I'm in no way suggesting that you shouldn't protect your machine BTW -- that's not the point of this post !!).
Cheers
jimbo
Fraud isn't the issue. The issue is using security holes to get into people's computer's where viruses can be planted to capture login passwords and account numbers which can then be used to drain bank account balances, run up fraudulent charges, etc. As long as an unprotected machine is connected to the internet, the bad guys can get in no matter how carefully the victim surfs. Just opening up a browser—any browser—on an unprotected machine can allow a virus to be planted on the machine. In fact, it's not really necessary to even open a browser for an unprotected machine to be exposed to viruses, key loggers, etc. (for example, M$ can put updates or notifications of updates on a machine without a browser being opened; programs can check for updates and even download and install them without a browser being opened). And not all hackers are big time crooks looking for big scores. Same as you have bank robbers who go for the big hauls and small time punks who knock over convenience stores that keep no more than $50 cash on hand at any one time, there are some cyber crooks that go only after the big hauls and others that go for whatever amount they can easily get, no matter how paltry.
My Computer
At a glance
Win 7 Ultimate 64 bitIntel i7-3930KKingston HyperX Genesis 32GB Kit (8x4GB Modul...MSI R7850 Twin Frozr 2GD5/OC Radeon HD 7850 2...
- Computer type
- PC/Desktop
- Computer Manufacturer/Model Number
- Custom Build
- OS
- Win 7 Ultimate 64 bit
- CPU
- Intel i7-3930K
- Motherboard
- ASUS P9X79 WS
- Memory
- Kingston HyperX Genesis 32GB Kit (8x4GB Modules) 1600MHz DDR
- Graphics Card(s)
- MSI R7850 Twin Frozr 2GD5/OC Radeon HD 7850 2GB 256-bit GDDR
- Sound Card
- Asus Xonar Essence STX
- Monitor(s) Displays
- 3x Asus VG248QE 24", Vizio 32" TV
- Screen Resolution
- 1920 x 1080, ?
- Hard Drives
- Samsung 128GB 840 Pro SSD (1),
Samsung 4TB 850 EVO SSDs (4)
Samsung 4TB 850 EVO SSDs (16) external backup drives used in 2.5" hot swap bays in the computer.
- PSU
- Corsair HX750w
- Case
- Antec Two Hundred v2 (modified)
- Cooling
- Cooler Master GeminII S524 120mm (fan replaced with a 140mm)
- Keyboard
- Logitech G510s
- Mouse
- Logitech M525 (two in use)
- Internet Speed
- =< 32Mbps down, 8Mbps up
- Antivirus
- AVAST!, MBAM, SAS, Spybot S&D (all but MBAM free) Glary Util
- Browser
- IE11
- Other Info
- LSI 9211-8i HBA card (8 SATA III ports), 2.5" & 3.5" Hot Swap Bays, HooToo HT-CR001 PCI-E to USB 3.0 Internal Hub + 6 Slot Card Reader, and LG Model CH12LS28 BD-ROM Optical Drive. Also, ScanSnap S1500 ADF duplexing scanner, Canon 9000F flat bed scanner, Corsair SP2500 2.1 speakers, Samsung CLP 415nw laser color printer, Cyberpower PP2200SW UPS
