Example of a malware scam
Malware vs. adware
Adware and malware are similar in that they both intrude on the privacy of individuals by installing themselves on users' computers without users' knowledge, usually via downloads or viruses. Adware displays advertising messages or banners to the user, but also secretly gathers information about their use of websites and relays it back to the program's originator, usually for advertising purposes.
Malware, on the other hand, may not be visible at all but will run in the background recording keystrokes and relaying this information to another computer. It may become visible, however, in the form of pop-ups or other changes in the usual function of users' applications. As an example, suppose you enter your banking credentials into a sign-on page and receive an unexpected pop-up screen, which says there was an authentication failure and demands further personal information. In this example, the spyware is trying to lure you into providing further information that it can store and relay to another computer.
Save your card number
The saved card feature, found on the sign on page for CIBC Online Banking, allows you to save your card numbers using an encrypted cookie that is stored only on your own personal computer. This information, once saved on your computer, is automatically generated each time you sign in to CIBC Online Banking.
Malware that monitors keystrokes cannot identify your card number using this feature because you will not be required to type in the number each time you login.