From: Subject: Software to Spot 'Phishers' Irks Small Concerns - WSJ.com Date: Tue, 19 Dec 2006 09:39:34 -0600 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C72351.97A6E990" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3028 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C72351.97A6E990 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://online.wsj.com/public/article/SB116649577602354120-_ukPZhMhh7hT7ZlonReCYORzgJg_20071219.html?mod=tff_main_tff_top Software to Spot = 'Phishers' Irks Small Concerns - WSJ.com
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Software to = Spot
'Phishers'=20 Irks
Small Concerns

By RIVA=20 RICHMOND
December 19,=20 2006; Page B1

Joy Viren Murphy will be getting a lump of coal = in her=20 stocking this year.

The entrepreneur has been selling handmade = Christmas=20 stockings for 12 years, the last eight of them online. Working = from the=20 attic of her three-story Rock Island, Ill., Victorian house, Ms. = Murphy=20 makes a couple of thousand stockings a year. During the busy = months,=20 October through December, her sister and niece come over to help = her cut,=20 tack and stitch.

But her business, Aunt Joy's Personalized = Christmas=20 Stockings, is facing a new, high-tech hurdle, thanks to Microsoft=20 Corp's. new Internet Explorer 7 Web browser. IE7 has a security = feature=20 that will turn Web-address bars green and display owners' = identities when=20 consumers visit secure sites from businesses verified as = legitimate. The=20 color change will be a boon for consumers, who have been barraged = in=20 recent years with "phishing" scams designed to lure them to fake = versions=20 of popular Web sites, like eBay or their bank, to filch their = account=20 numbers. The hope is that the program will help reduce fraud, lift = trust=20 and boost e-commerce.

3D"[Directing=20

But browsers won't turn green when customers = visit Ms.=20 Murphy's site. That's because sole proprietorships, general = partnerships=20 and individuals won't be eligible for the new, stricter security=20 certificates that Microsoft requires to display the color. There = are about=20 20.6 million sole proprietorships and general partnerships in the = U.S.,=20 according to 2003 and 2004 tax data from the Internal Revenue = Service,=20 though it isn't clear how many are engaged in e-commerce.

Ms. Murphy, a sole proprietor, worries what will = happen=20 once consumers grow accustomed to the new bars. "Green means go = shop with=20 confidence. What does not having the green bar mean?" Ms. Murphy = asks.=20 "For that new customer, are they going to pass me by because I = don't have=20 a green bar?"

She'll know soon enough. Already available to = those who=20 have the Windows XP operating system, the browser's use will = mushroom when=20 Microsoft rolls out its long-delayed Vista system to consumers = next month.=20 And the green bar will go into action shortly after the Vista = rollout=20 begins.

Microsoft says green shouldn't be considered a = seal of=20 approval, but rather a sign that the site owner is a legitimate = business.=20 The display of company names in the bar will allow consumers to = confirm=20 they're on the site they intended to visit.

But Ms. Murphy and others say people will likely = think=20 green signals "go," particularly once they start using Microsoft's = related=20 Phishing Filter, a free, optional service for online shoppers that = turns=20 address bars yellow on suspicious sites and red on confirmed = phishing=20 sites. The Phishing Filter was made available Oct. 18 to current = XP users=20 with the IE7 browser.

When Microsoft has no information about a site, = presumably=20 for businesses like Aunt Joy's, the bar will be standard = white.

Clearly, it will take time before the program = infiltrates=20 the consumer consciousness. Many computer users will have to = download IE7=20 and many businesses will have to get the new certificates, which = were only=20 introduced last week. But eventually, "are people going to trust = the green=20 more than white? Yes, they will," says Avivah Litan, an analyst at = Gartner=20 Inc. and an expert on online payments and fraud. "All the business = is=20 going to go to the greens, it's kind of obvious."

Small businesses are largely unaware of the issue = today,=20 but that seems destined to change after Vista reaches the market. = "This is=20 a ticking time bomb that is going to explode," says Champ = Mitchell, chief=20 executive of Network Solutions LLC, a Herndon, Va., Web-hosting = company=20 and certificate authority whose clients include Aunt Joy's.

"The Internet has been great for American small = business,"=20 by giving them wide exposure at a low cost, he says. "Microsoft = all by=20 itself is getting ready to tilt that field again at an 80-degree = angle=20 toward large business."

Microsoft says the number of companies left out = will be=20 minimal, noting that limited-liability companies and partnerships, = as well=20 as S and C corporations, will be able to get the certificates and = thus=20 green bars. In the future it expects certificate authorities to = bring more=20 types of businesses into the scheme.

(An S corporation meets Internal Revenue Service=20 requirements to be taxed under Subchapter S of the Internal = Revenue Code,=20 thereby giving a corporation with 100 shareholders or less the = benefit of=20 incorporation while being taxed as a partnership; a C corporation, = which=20 is the designation of most major companies, has an unlimited = number of=20 shareholders.)

And Microsoft argues the green-yellow-red program = will do=20 tremendous good by striking a blow against phishing. "This is a = great step=20 forward for the Internet," says Markellos Diorinos, a product = manager on=20 Microsoft's Internet Explorer team.

The new certificates, called extended validation=20 secure-sockets-layer certificates, or EV SSL for short, are = affidavits=20 from a certificate authority both that private data are being = encrypted=20 and that the business operating the site has been confirmed as = real. By=20 contrast, current SSL certificates -- the technology that encrypts = data=20 and puts a small lock on visitors' browsers -- can be obtained = with little=20 more than a credit card and are considered ripe for abuse by con=20 artists.

"SSL is great technology for secure = communication, but it=20 says nothing about the identity" of the site's owner, Mr. Diorinos = says.=20 Scammers today are creating bogus sites that look highly = authentic, which=20 has created a real need for an identity component.

Guidelines for obtaining the new certificates = were=20 established by the CA/Browser Forum, an industry group, after 18 = months of=20 debate. The Forum excluded sole proprietorships, general = partnerships and=20 individuals because its members couldn't agree on criteria for = validating=20 them effectively, something some members said can be difficult. = They=20 decided it was better to move ahead with a plan that would cover = many=20 companies, and particularly those large companies most often = targeted by=20 phishers, rather than further delay the rollout of the = certificates.

"We will come forward with a draft that will = include these=20 organizations," perhaps within six months, says Spiros = Theodossiou, senior=20 product manager for SSL at VeriSign=20 Inc., a certificate authority. "Consumers online are afraid to = transact=20 business, and we want to make it safer for online users. We = believe the=20 current set of guidelines move us toward that."

But the inability of some legitimate companies to = get green=20 bars in IE7 soon could rile small companies just as Microsoft is = trying to=20 woo them as customers. Last month, the company promoted a new=20 accounting-software product with a search for the "most creative=20 small-business idea in country." The winner, to be chosen by a = panel of=20 celebrity judges in March, will get $100,000 in seed money and one = free=20 year's rent in Manhattan.

Greg Waldron, chief executive officer of Waldron=20 Co. LLC, which sells water fountains online as Visual Water, is = miffed=20 even though he'll be able to get a certificate as a = limited-liability=20 company. "This is a huge benefit for the Amazons and Overstocks of = the=20 world," he says. Small businesses are "a huge part of = [Microsoft's]=20 customer base, and they make a lot of money off us, but they don't = give us=20 a second thought."

Mr. Waldron notes that there are plenty of = fly-by-night=20 e-commerce sites that look safe but exist to gather credit-card = numbers.=20 "They are making every small unincorporated company look like one = of those=20 second type of phishing sites."

Ms. Murphy concurs. She made her first online = stocking sale=20 to an American living in Japan on Dec. 11, 1998.

"The Internet made the world so big for small = people like=20 me," she says. But now, having to contend with green bars and the = like,=20 Ms. Murphy feels her horizons have shrunk. Her verdict on the = stoplight=20 system: "It just seems like an excuse to shut out the small = business like=20 myself and make sure we don't take too many of the dollars from = the big=20 boys."

Write to Riva Richmond at riva.richmond@dowjones.com=

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