Malware
Malware authors target bugs, or loopholes, to exploit. A common method is exploitation of a buffer overrun vulnerability, where software designed to store data in a specified region of memory does not prevent more data than the buffer can accommodate being supplied. Malware may provide data that overflows the buffer, with malicious executable code or data after the end; when this payload is accessed it does what the attacker, not the legitimate software, determines.
Malware
Ransomware affects an infected computer system in some way, and demands payment to bring it back to its normal state. For example, programs such as CryptoLocker encrypt files securely, and only decrypt them on payment of a substantial sum of money.