L' INTELLIGENCE CYBER par Jean-Paul Pinte

Crypto-ransomware is a growing crime problem for everyone who uses the Internet – including small businesses, of course.

You’ve probably heard about this form of malware before, but as a reminder, it tricks you into downloading the ransomware onto your PC via spam with links that take you to a fake website that often looks like a real website of a bank or government agency.

When you unknowingly download the malware onto your system by doing some innocuous task like entering a CAPTCHA (a program that protects against bots) passcode, the ransomware immediately encrypts your files, preventing you from accessing them, and then demands that you pay a ransom, usually in bitcoins, to decrypt the files.
http://blog.trendmicro.com/defending-against-crypto-ransomware-threats/