Recently, lots of anti-phishing schemes have been developed. Several products identify phishing sites and show the results on the address bar of the internet browser, but they determine only by domain names or IP addresses. Although this kind of method is effective against recent DNS pharming attacks, there is still a possibility that hidden attacks which modifies HTML codes could incapacitate those anti-phishing programs. In this paper, the cognitive approach which compares images to decide phishing or pharming is presented, using system tray and balloon tips that are hard to fake with pop-ups or flash in order for users to compare pictures from connecting sites and system tray. It differs from an old method that a program analyzes IP or domains to judge if it is phishing or pharming, but observes if there were HTML code changing between plug-ins and a server.