whatisanidiom.scr.exe
Since this virus is mainly made to gather banking accounts, credit cards, ect., it will be hidden deep into the system. This virus creates the main package, which is hidden where "explorer.exe" would be, and is in itself named "explorer.exe". This exe files simply continually replicates if deleted. The virus itself will duplicate around the system in every nook and cranny. The explorer.exe will always be in System32, probably not in the spot where explorer.exe (the real one) is, but somewhere.
The virus will probably be too named another important system file, and will be, as said, spread around the hard drive over a period of time.
The virus will collect all credit cards and their associated security measurements and place it on a database hidden inside the computer. The virus wouldn't be sending anything to the host until the end of the computer's use.
The virus will continue to collect credit cards, keys, bank account numbers, ect. until the database fills up to 10. It will then initiate the download of most of the lest-pesky viruses on the web, causing the machine to malfunction. During this fury, the virus will upload all of the banking account numbers to another currently-loving-up computer. Soon or non, a peer-to-peer connection will take place to multiple botnets that will then download to another botnet and then go to me. I will then get a complete list of all of the banking accounts.
On January 1st of the next year, the payload will be fully unleashed, and the person's BIOS will be flashed with a harddrive repair company's name (claiming to be an imbedded warning from the harddrive itself) and the harddrive will be corrupted (but not cleared), leading to people 80% of the time bringing their harddrives to that company to have it repaired.
I would have already invested in that company, and watch my profits sky rocket as a result.
>:)