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New DroidLock malware locks Android devices and demands a ransom
(www.bleepingcomputer.com)
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It looks like you have to grant it full access to get it to "lock" your phone. If I installed an app and it prompted me for that for no reason, I would immediately uninstall.. but I guess if you have no idea what you're doing and are able to get as far as installing a third party apk, it could get you.
I wonder if it can be removed with adb.
it wouldn't matter sadly. the program changes the pin on the device, the only solution would be a factory wipe and restore from backup if it's given full access.