The thief/hacker creates a software program that falsely claims that it will protect your computer from viruses. Using your computer's vulnerabilities (typically Microsoft Internet Explorer etc) they hijack your computer, forcing into reboot, after which you can not access any program or service or data, unless you pay them typically from $50 to $100, to allow 'virus protection' for your computer, even though they are the perpetrators themselves. Mastercard has allowed shady merchants such as BuySoftHere.com to charge victim... read full review »