> If malware is running on the user's computer, can it change the
> destination of a funds transfer invisibly to the user, and still 
have
> the verification work?

Theoretically, this is possible. An advanced client-side MITM attack 
could be crafted, altering packets on-the-fly and returning a false 
confirmation page.

i.e.: 

normal response: "$100 USD has been transferred from [EMAIL PROTECTED] to 
[EMAIL PROTECTED]"
altered response: "$100 USD has been transferred from [EMAIL PROTECTED] 
to [EMAIL PROTECTED]"

-John Martinelli
RedLevel.org Security

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