Payment cards. For questions about storing credit card numbers, see also pci-dss. For questions involving the physical object, see also smartcard (if the card has a chip).

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4
votes
1answer
72 views

Is it possible to clone my contactless debit card while it's in my pocket?

I have a bank account that I never use, someone cloned my debit card and used it to buy something in Brazil in order to make sure the cloning was successful then they started making transactions of £...
2
votes
2answers
74 views

Using browser AJAX to initiate credit card transaction with processor?

Let's say that I have a website where people can make purchases, donations, etc. The entire website is served with https. I store the information regarding the purchases (item, quantity, price) as ...
3
votes
1answer
65 views

Is it PCI compliant to write down credit card information on paper and store it in unattended boxes?

There is a local mom and pop video store that requires new customers to write their names, addresses, and credit card information on 3x5 cards. These cards are actually kept in a recipe cards box that ...
2
votes
2answers
42 views

Interaction between cash register and card terminal

A store allows you to join their loyalty club by simply presenting an ID and a credit card. Your identity is somehow linked to your card and automatically registered the next time you pay, no extra ...
7
votes
2answers
112 views

Is having a piece of paper with 2 fake PINS a good solution to mitigate credit-card theft?

I am planning to travel and thought about credit-card theft. Would it be a good idea to have a piece of paper with 2 fake PINs near my credit-card? The imagined attack goes as follows: The piece ...
30
votes
4answers
5k views

Hotel reservation. How is this secure with only credit card number and expiry date?

Until today I managed to avoid paying online with my credit card (I'm weird, I know...) but somehow I managed to do it. Today though I had to book a hotel room (on booking.com) that required a ...
1
vote
1answer
46 views

PCI Compliance requirement when storing card data on user's device

I have an application where I take the user to a PCI compliant payment gateway for completing the payment. I want to give the functionality of "Remember my card" so that the user does not have to ...
3
votes
1answer
140 views

How safe is my contactless bank card?

In the past few years Contactless Payment cards have been introduced and I have been reading some articles surrounding security of these cards. The following article "Stealing data from contactless ...
6
votes
4answers
104 views

How can I protect my credit card on sites where 2FA is not an option?

I'm using Visa Express, and sometimes when I'm shopping, the store doesn't support Verified by Visa - so that means that there is no 2FA option. Normally when there is that option, it will force me ...
5
votes
3answers
7k views

Is it safe to auto-fill credit card numbers using Chrome?

Is it safe to auto fill credit card numbers using Chrome? Does it safely store the credit card information? As far as my understanding goes, it just shows asterisk values but on click it reveals the ...
0
votes
0answers
33 views

Best practice for Users to avoid fraud for Direct Debit enabled bank accounts?

Direct Debit or automatic debit transfer system or Bankeinzug (German), seems a common/convenient way to pay in (online shops in) many countries available for many banks. https://en.wikipedia.org/...
3
votes
2answers
155 views

How to not store the card during 3D Secure authentication, to be PCI DSS compliant?

I'm implementing a payment solution where the cardholder enters his card details on our own website. We need to use 3D Secure for extra authentication of the cardholder. Our payment gateway ...
2
votes
2answers
3k views

Does sending credit card info over email violates PCI DSS?

Being in the US, I have noticed that more and more companies ask to send sensitive credit card information (all information that is required to make a transaction) over a plain email. I believe that ...
1
vote
2answers
72 views

Comprimising or affecting card readers, billing systems, or POS terminals using a malicious card

Our company got a new card printer for employee IDs. It was a bit expensive and we had to undergo a background as it allowed us to print both mag strips and EMV chips. I don't understand enough about ...
5
votes
2answers
147 views

Can I repair a cut-through credit card?

On many cards there's the instruction to, if found, cut it in two pieces and mail them to some address. I'm wondering a bit about the security of this and if I could recover some data. It's not ...
0
votes
1answer
42 views

How to export application metrics out of PCI environment

I am building a credit card tokenization/payment-processing service. As these services need sit in pci-compliant environment, I find it hard to export the application metrics & logs. Anyone knows ...
2
votes
1answer
71 views

Router as MITM to steal data

I was reading a blog post about ATM skimming and the following quote (at the end of the article) caught my eye: Ivanov allegedly used two devices — a router to steal the bank data of customers ...
0
votes
1answer
64 views

PCI-DSS compliance in scope if part of card number and expiry stored only? [duplicate]

If we were to store the following information about a credit card, would we need to be PCI-DSS compliance or are we out of scope? Please assume for the purposes of this question that we only store ...
2
votes
0answers
38 views

Algorithm to generate (and verify) string of 4 quad alpha numeric code

I am writing a system, for which I need to generate unique transaction numbers (which can be verified by myself). I want to use something similar to that used by credit cards, where a string of the ...
8
votes
1answer
92 views

Is CVV calculated or merely assigned?

Is the 3-digit (4-digit for those acolytes of standardization, American Express!) CVV/CSV/CVC calculated from card number and expiration date, or is it merely assigned? I know that once when I got a ...
1
vote
3answers
117 views

Isn't the 3D secure system essentially completely ineffective in avoiding fraud?

3D secure is a system where, after you enter your credit card details on a merchants site, you are redirected to a site hosted on the bank servers where you enter a OTP sent via SMS to complete the ...
2
votes
3answers
142 views

Emailing debit card details to a guesthouse

I'm trying to arrange a holiday out to the Aran Islands, and the guesthouse emailed me back confirming that they do have a room available. But here is the catch: they want me to email my credit card ...
15
votes
4answers
19k views

Is it standard practice to ask a customer to send a photo of their credit card to confirm their identity?

My friend ordered clothes from a clothing site and was asked to send a picture of her credit card. Is it standard practice to ask a customer to send a photo of their credit card to confirm their ...
4
votes
1answer
76 views

Wiping magnetic stripe on card with magnet?

I asked a question a while back on using magnets (for example powerful Neodymium ones) to wipe a HDD, and got shown a good article proving it is not possible to wipe data. Pretend I am about to ...
5
votes
3answers
317 views

Reading magnetic stripe on a credit/debit card with an EMV chip

Is there any way of knowing is a credit/debit card has an EMV Chip, by reading the magnetic stripe. This way I could deny the payment via magnetic stripe and ask to the customer to insert the card via ...
0
votes
1answer
95 views

Unauthorized credit card payment

I have a debit card which links to my savings account in a let's call it Bank A. I had never used it for online purchases/transactions (not even interbank transfer). After a while, I purchased virtual ...
3
votes
1answer
737 views

Is it OK to generate a token for a credit card without the user's permission? Is that PCI compliant?

Is it PCI compliant to generate a token for every card used for processing, regardless of whether the client asked for his card to be saved or not?
4
votes
5answers
3k views

Is it ok to cut some digits from the front-face of a credit/debit card?

I'm a European expat living in Asia. I usually hide my credit card at my apartment. However, I'm a bit scared about losing it when I carry it (wallet robbed or lost). That's why I already scrubbed ...
5
votes
2answers
10k views

Are VISA gift cards untraceable?

I was in a retail store today, and these people were discussing how easy it is for people to use stolen credit cards, and buy those visa gift cards without being traced after they purchase the gift ...
9
votes
1answer
194 views

How do EMV contactless cards protect against replay attacks?

I understand that standard RFID cards are vulnerable to replay attacks however, how do smart cards which are also contactless protect against replay attacks? Is this decided by the chip or by the ...
0
votes
1answer
82 views

What's the best way to test if an RFID blocking wallet is effective? [closed]

I was recently gifted a wallet that alleges to block RFID signals. As I am sure you fine folks at Information Security are aware, this is to protect the information stored on my contactless bank card ...
9
votes
2answers
2k views

What are the security implications of my credit card number being known by someone else? [duplicate]

I am new to the credit card world. What are the security threats or possibilities, if someone knows my credit/debit card no. Will he be able to misuse it or will he require any additional information ...
4
votes
2answers
106 views

Does EMV protect against sniffing PAN data from untrusted network?

I have received conflicting information in regards to the security of PAN data on the wire. Can this be sniffed with properly configured EMV at an atm? To quote from the link below: http://www....
4
votes
0answers
38 views

Major UK company seems to be handling customer & card data recklessly [duplicate]

A company I used to work for is passing customer's personal details as well as card data (number, expiration date, name, CVV2 and the contents of the magstripe thanks to a reader) through Windows XP ...
48
votes
5answers
26k views

What's the impact of disclosing the front-face of a credit or debit card?

There are quite a few cases where people are called out for disclosing the front-face of a credit or debit card (e.g. this tweet from Brian Krebs or this twitter account). So I was wondering what the ...
5
votes
2answers
1k views

What is stored on a banking card and how is it protected?

I wonder what is the content of a basic banking card having a chip, the kind you use for payment in any store, with a PIN, possible bank authorization, such as Mastercard or Visa or national banking ...
2
votes
4answers
78 views

Is knowing someone's card expiration date a means of finding info about them?

Card as in debit or credit cards. I heard that even showing someone your debit/CC can be considered an exploit not because of the number or name, but because of the date of expiration. He said that ...
3
votes
3answers
207 views

Creditcard store first six digits PCI reference

I need to store masked PAN with first six digits and last four digits along with the card expiry month and year. Is it safe to do it according to the PCI rules? Regarding four digits has been ...
1
vote
1answer
65 views

Is it dangerous to have a credit card payment page without authentication?

The client wants a payment page that anyone can browse to, put in their information and id from a previous registration, and make a payment. The problem is that the id is from a different system and I ...
16
votes
5answers
1k views

NFC contactless payment security

This is really bugging me. Up until recently debit cards with an electronic chip were the most popular electronic form of payment available in Poland (I'd wager that in other European countries as ...
2
votes
3answers
83 views

Reporting Credit Card Thieves

Someone is using a client's commerce site to check the validity of lots of credit cards. After dropping IP addresses based on usage whoever is behind it throttled their requests down to 1 request ...
0
votes
5answers
379 views

Is it safe to tell credit card number to bank employee over a phone?

Recently, I got a new credit card via post. To activate it, it is required to call to the bank (phone number is attached to the card) and confirm, that card was received. For activation purposes, the ...
5
votes
3answers
834 views

Cardholder data segmentation for PCI compliance (3.2)

We are currently collecting card holder data in a segmented way. Our system is used by call center agants which I will refer to as channel B Over channel A (mobile carrier) we collect the first 8 ...
17
votes
3answers
870 views

What prevents people getting charged over NFC in crowded places?

I don't have an NFC-enabled device and I couldn't find any information about this in Google. What is it that protects me against an attacker with a portable NFC terminal charging payments by just ...
47
votes
4answers
12k views

Detecting skimmers and other ATM traps

This question has been bothering me ever since I first heard of ATM skimmers: Instances of skimming have been reported where the perpetrator has put a device over the card slot* of an ATM (...
0
votes
0answers
39 views

Hash function for credit card [duplicate]

Hey PCI and hash expert, What hash function is good for hashing credit card and providing collision resistance? Some context: We are building a tokenization service, so each credit card will have ...
4
votes
1answer
347 views

Credit card tokenization algorithm

Just curious, what is the common algorithm used to tokenize a user's credit card? I know lots service use PRNG (random number). Does it just re-gen a random number when there is a confliction? What ...
3
votes
2answers
770 views

How to mask SEPA (IBAN and BIC) information correctly?

I'm currently developing a payment system where users can use SEPA-debit to pay for the service. The user has the ability to enter the data once and can then select the same payment method when making ...
4
votes
4answers
4k views

Storing CVC / CVV / CVV2 until payment is processed

I need to store the payment info of a transaction. We have a script that reads which transactions haven't yet been sent to our ERP (the business management software), to then send it. This script ...
0
votes
1answer
87 views

Credit card aggregation based on open standards?

Lately, there have been a couple of projects which aim to replace all the credit cards in your wallet with a single smart device which will hold all of them, sync with your smartphone, etc. (Namely ...