Man-in-the-browser (MITB, MitB, MIB, MiB), a form of Internet threat related to man-in-the-middle (MITM), is a proxy Trojan horse that infects a web browser by taking advantage of vulnerabilities in browser security to modify web pages, modify transaction content or insert additional transactions, all in a completely covert fashion invisible to both the user and host web application. A MitB attack will be successful irrespective of whether security mechanisms such as SSL/PKI and/or two or three-factor Authentication solutions are in place. A MitB attack may be countered by using out-of-band transaction verification, although SMS verification can be defeated by man-in-the-mobile (MitMo) malware infection on the mobile phone. Trojans may be detected and removed by antivirus software with a 23% success rate against Zeus in 2009, and still low rates in 2011. The 2011 report concluded that additional measures on top of antivirus were needed. A related, simpler attack is the boy-in-the-browser (BitB, BITB). The majority of financial service professionals in a survey considered MitB to be the greatest threat to online banking.
- 1 Description
- 2 Examples
- 3 Protection
- 4 Related attacks
- 5 See also
- 6 References
- 7 External links
The MitB threat was demonstrated by Augusto Paes de Barros in his 2005 presentation about backdoor trends "The future of backdoors - worst of all worlds". The name "Man-in-the-Browser" was coined by Philipp Gühring on 27 January 2007.
In a nutshell example exchange between user and host, such as an Internet banking funds transfer, the customer will always be shown, via confirmation screens, the exact payment information as keyed into the browser. The bank, however, will receive a transaction with materially altered instructions, i.e. a different destination account number and possibly amount. The use of strong authentication tools simply creates an increased level of misplaced confidence on the part of both customer and bank that the transaction is secure. Authentication, by definition, is concerned with the validation of identity credentials. This should not be confused with transaction verification.
|Carberp||targets Facebook users redeeming e-cash vouchers||Windows||IE, Firefox|
|OddJob||keeps bank session open||Windows||IE, Firefox|
|SpyEye||successor of Zeus, widespread, low detection||Windows||IE, Firefox|
|Sunspot||widespread, low detection||Windows||IE, Firefox|
|Tatanga||Windows||IE, Firefox, Chrome, Opera, Safari, Maxthon, Netscape, Konqueror|
|Tiny Banker Trojan||Smallest banking Trojan detected in wild at 20KB||Windows||IE, Firefox|
|URLZone****||Windows||IE, Firefox, Opera|
|Weyland-Yutani BOT||crimeware kit similar to Zeus, not widespread||Mac OS X||Firefox|
|Zeus***||widespread, low detection||Windows||IE, Firefox|
|Key||Windows: IE||Windows: IE & Firefox or Firefox||Windows: other||Mac OS X: any|
|*ChromeInject a.k.a. ChromeInject.A, ChromeInject.B, Banker.IVX, Inject.NBT, Bancos-BEX, Drop.Small.abw|
|**Torpig a.k.a. Sinowal, Anserin|
|***Zeus a.k.a. ZeuS, Zbot, Wsnpoem, NTOS, PRG, Kneber, Gorhax|
|****URLZone a.k.a. Bebloh!IK, Runner.82176, Monder, ANBR, Sipay.IU, Runner.fq, PWS.y!cy, Zbot.gen20, Runner.J, BredoPk-B, Runner.EQ|
Known Trojans may be detected, blocked and removed by antivirus software. In a 2009 study, the effectiveness of antivirus against Zeus was 23%, and again low success rates were reported in a separate test in 2011. The 2011 report concluded that additional measures on top of antivirus were needed.
- Browser security software: MitB attacks may be blocked by in-browser security software such as Trusteer Rapport for Microsoft Windows and Mac OS X which blocks the APIs from browser extensions and controls communication.
- Alternative software: Reducing or eliminating the risk of malware infection by using portable applications or using alternatives to Microsoft Windows like Mac OS X, Linux, or mobile OSes Android, iOS, Chrome OS, Windows Mobile, Symbian etc., and/or browsers Chrome, Opera. Further protection can be achieved by running this alternative OS, like Linux, from a non-installed live CD, or Live USB.
- Secure Web Browser: Several vendors can now provide a two-factor security solution where a Secure Web Browser is part of the solution. In this case MitB attacks are avoided as the user executes a hardened browser from their two-factor security device rather than executing the "infected" browser from their own machine.
Out-of-band transaction verificationEdit
A theoretically effective method of combating any MitB attack is through an out-of-band (OOB) transaction verification process. This overcomes the MitB trojan by verifying the transaction details, as received by the host (bank), to the user (customer) over a channel other than the browser; for example an automated telephone call, SMS, or a dedicated mobile app with graphical cryptogram. OOB transaction verification is ideal for mass market use since it leverages devices already in the public domain (e.g. landline, mobile phone, etc.) and requires no additional hardware devices yet enables three-factor authentication (using voice biometrics), transaction signing (to non-repudiation level) and transaction verification. The downside is that the OOB transaction verification adds to the level of the end-user's frustration with more and slower steps.
- ZitMo (Zeus-In-The-Mobile) is not a MitB Trojan itself (although it performs a similar proxy function on the incoming SMSes), but is mobile malware suggested for installation on a mobile phone by a Zeus infected computer. By intercepting all incoming SMSes, it defeats SMS-based banking OOB two-factor authentication on Windows Mobile, Android, Symbian, BlackBerry. ZitMo may be detected by Antivirus running on the mobile device.
- SpitMo (SpyEye-In-The-Mobile, SPITMO), is similar to ZitMo.
Web fraud detectionEdit
Web Fraud Detection can be implemented at the bank to automatically check for anomalous behaviour patterns in transactions.
SSL/PKI etc. may offer protection in a man-in-the-middle attack, but offers no protection in a man-in-the-browser attack.
A related attack that is simpler and quicker for malware authors to set up is termed boy-in-the-browser (BitB or BITB). Malware is used to change the client's computer network routing to perform a classic man-in-the-middle attack. Once the routing has been changed, the malware may completely remove itself, making detection more difficult.
Clickjacking tricks a web browser user into clicking on something different from what the user perceives, by means of malicious code in the webpage.
Some phones and tablets in current use have a known vulnerability to DDoS over WiFi, and this has been documented on certain Android phones. The vulnerability is that if an attacker detects that someone is using sharing it is possible to target the phone or tablet directly using a packet collision similar to the one found on LAN networks requiring guessing the device sharing password using a rainbow table and cloning the SSID thus forcing a reboot after enough data has built up in RAM causing a buffer overflow. During this narrow window malicious software can be used to install a rootkit or other malware over the diagnostics OTA channel before the antivirus has a chance to load in a similar way to how sideloading over USB works. It appears that there is no defense at present other than not using sharing or changing the password after a short random interval eg WPA2-TKIP which not all devices support. WPA3-OTP may be a solution if a sufficiently large memory at both ends is used eg 400GB.
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- Quarri Technologies, Inc (2011). "Web Browsers: Your Weak Link in Achieving PCI Compliance" (PDF). Retrieved 2012-02-05.
- Paes de Barros, Augusto (15 September 2005). "O futuro dos backdoors - o pior dos mundos" (PDF) (in Portuguese). Sao Paulo, Brazil: Congresso Nacional de Auditoria de Sistemas, Segurança da Informação e Governança - CNASI. Archived from the original (PDF) on July 6, 2011. Retrieved 2009-06-12.
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- "Tiny 'Tinba' Banking Trojan Is Big Trouble". msnbc.com. Retrieved 2016-02-28.
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- Horowitz, Michael (2012-02-06). "Online banking: what the BBC missed and a safety suggestion". Retrieved 2012-02-08.
- Purdy, Kevin (2009-10-14). "Use a Linux Live CD/USB for Online Banking". Retrieved 2012-02-04.
- Finextra Research (2008-11-13). "Commerzbank to deploy Cronto mobile phone-based authentication technology". Retrieved 2012-02-08.
- Chickowski, Ericka (2010-10-05). "'Man In The Mobile' Attacks Highlight Weaknesses In Out-Of-Band Authentication". Retrieved 2012-02-09.
- Schwartz, Mathew J. (2011-07-13). "Zeus Banking Trojan Hits Android Phones". Retrieved 2012-02-04.
- Balan, Mahesh (2009-10-14). "Internet Banking & Mobile Banking users beware – ZITMO & SPITMO is here !!". Retrieved 2012-02-05.
- Sartain, Julie (2012-02-07). "How to protect online transactions with multi-factor authentication". Retrieved 2012-02-08.
- Imperva (2010-02-14). "Threat Advisory Boy in the Browser". Retrieved 2015-03-12.
- Virus attack on HSBC Transactions with OTP Device
- Virus attack on ICICI Bank Transactions
- Virus attack on Citibank Transactions
- Hackers outwit online banking identity security systems BBC Click
- Antisource - ZeuS A summary of ZeuS as a Trojan and Botnet, plus vector of attacks
- on YouTube Entrust President and CEO Bill Conner
- on YouTube The Zeus toolkit, Symantec Security Response
- How safe is online banking? Audio BBC Click
- on YouTube Imperva