Researchers at Sunbelt Software have uncovered a special program they said they believe is being used to <A HREF="http://www.eweek.com/article2/0,1895,1913061,00.asp?kc=ewnws012006dtx1k0000599">create keylogging and Trojan horse programs</A> that target customers of financial institutions in the United Kingdom, United States, and Canada. Researchers recently discovered the "builder" program on a Web site that was harvesting information from a variant of a Trojan horse program known as WinLdra. The program provides an easy-to-use interface for creating new variants of WinLdra that can steal credit card numbers and online banking log-ins from machines on which it is installed, and can direct e-Gold payments into an account owned by the attacker.