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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0
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2answers
34 views

Isnt 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 ...
1
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2answers
39 views

pci compliance and temporary files

Does storing temporarily a non-encrypted file containing some PANs violate pci requirements? (for example because it is being processed by an application, or to open it on a file editor)
1
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2answers
58 views

How do credit cards with chip+pin securely allow recurring transactions?

In Europe most cards use a chip+pin system to secure the card information. You put the card in te machine and enter a PIN number to decrypt the card information which is stored on the chip. ...
1
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2answers
73 views

What Can I Do While I'm Waiting for “Chip and Pin” Credit Cards?

For the second time in 8 weeks, one of my American Express (AMEX) card numbers was stolen. I do use the card online, but only at reputable (and SSL/TLS enabled sites). I use it in the real world, ...
27
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7answers
4k views

Hashing a credit card number for use as a fingerprint

What's the best way to hash a credit card number so that it can be used for fingerprinting (i.e. so that comparing two hashes will let you know if the card numbers match or not)? Edit Looking for ...
37
votes
4answers
6k 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
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0answers
46 views

How can a website charge my credit card when I entered an incorrect CVV? [duplicate]

I just created a free account on Pluralsight.com and entered my credit card details, but I entered my CVV incorrectly. How can they charge a payment to my credit card even though I entered an ...
1
vote
1answer
63 views

I left my debit card unattended — how exposed am I?

I yesterday visited a restaurant I usually visit, but it seems that after paying with my debit card, I accidentally left it there. Today (almost 24 hours later) I had realized that I didn't have it ...
2
votes
1answer
101 views

EMV(Chip) Cards - What's the point of having the chip card communicating directly to the authorising server? & Clarification of CDA in EMV

Ok I understand from my research that the Chip Card creates an AC Key(MasterKey+AccNumber) to communicate with the authorizing server securely (3DES key to have encrypted communication) but I don't ...
0
votes
1answer
25 views

TPM-esque Credit Card Solutions?

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 ...
3
votes
3answers
94 views

What are some cards that are vulnerable to RFID theft?

I heard that some credit cards are vulnerable to RFID scanning and thus identity theft. I am concerned about my cards and I would like to learn which cards are vulnerable to such abuse? Are any of ...
1
vote
4answers
125 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 ...
2
votes
2answers
78 views

What's the point of EMV when only the card is needed to shop online?

In many countries, EMV is used to prevent credit and debit cards being cloned. But given that it's possible to perform online transactions using the details printed on the card, how does it add ...
1
vote
2answers
108 views

Would chip-and-PIN have prevented the Target breach?

Would chip-and-PIN have prevented the Target breach? As we all know, Target was breached and the hackers stole lots of credit card numbers. Target is now advocating for chip-and-PIN, as a way to ...
6
votes
4answers
228 views

How can my bank debit card reader know that my pin is valid?

Why do ATMs accept any PIN? states that the ATM does not know my pin and the pin is not on the card as well. My bank has this system: It works in 5 stages: I enter my debit card number on the ...
1
vote
2answers
75 views

Why is filling up at the gas pump require a quick scan of the Credit/Debit card?

Always wondered about this. I had a friend tell me it's to make sure your information can't be stolen as easily on the credit card, but I will admit I am a bit skeptical of his claims. At most gas ...
2
votes
1answer
92 views

How much information is released when paying with a debit card

How much information is released when paying with a debit card? Is it possible for a vendor to grab your name and address from your debit card and send you things in the mail?
11
votes
4answers
5k views

Is Visa PayWave secure?

Recently (well, a few months or even a year ago), my bank, here in Australia, introduced this PayWave technology to their Visa debit cards. They claim it's secure, but all they talk about is their ...
0
votes
3answers
338 views

How can I protect my eCommerce site from stolen credit cards?

The case would be that someone with stolen credit card registers on my site, and uses the stolen credit card details to purchase services through my site. How can I protect my eCommerce site from ...
5
votes
4answers
173 views

How can I convince my customers not to send Credit Card data over email?

My wife and I run an online business. For a long time we would accept credit cards over our website, and cash or bank drafts in person. However, as time went on my wife picked up the Square to process ...
1
vote
1answer
125 views

is it illegal to share customer credit card data

I have an app where users can enter credit card data and it is stored using a 3rd party toservice like BluePay or Authorize.net, I do not and will not save it in my system. Trying to get this point ...
0
votes
2answers
62 views

How do gift card resellers prevent sellers from re-using pin and card numbers

There are multiple gift card reseller sites that buy your gift cards and resell them at discounted price. I was wondering how these sites prevent sellers from reusing the pin and card number after it ...
1
vote
2answers
48 views

Security of Shared Corporate Credit Cards

We are a medium sized company. Recently, one of the representatives of the finance department raised a question about the use of credit cards to shop on-line among different departments in our ...
3
votes
5answers
1k 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 ...
0
votes
2answers
69 views

Can website see my payment information?

So I decided to purchase a service in website which only accepts payments where I need to enter my debit card information. Now connection is secured with TLS 1.0, so no 3rd party can observe my ...
3
votes
1answer
106 views

How easy is it to make a malicious bank/identity card?

I recently got a magnetic card reader that plugs into my computer because I was bored. I decided to scan my ID and bank card through it and I was surprised to see my ID number/bank card number show up ...
0
votes
1answer
127 views

What is the point to the IPEK in DUKPT?

I'm trying to understand the DUKPT (Derived Unique Key Per Transaction) system used for PIN devices, but I'm getting hung up on the IPEK. This blog post has an image where the sequence is: BDK ...
5
votes
4answers
2k views

Is a 3 or 4 digit CVV enough for online transactions?

Background: The CVV/CVV2 number ("Card Verification Value") on a credit card or debit card is a 3 or 4 digit number printed on the card. It is 3 digits on VISA, MasterCard and Discover branded credit ...
2
votes
0answers
76 views

Should I cancel my current credit card because of heartbleed vulnerability? [duplicate]

I recently looked at my local credit union bank and they said that their site is not vulnerable to heart bleed. However, I have used my credit card in many websites such as grubhub, amazon, some ...
40
votes
4answers
44k views

How does Amazon bill me without the CVC / CVV / CVV2?

The card in question is a VISA, if that's of any importance. I've noticed this only on Amazon. All other sites I've purchased something from, ever, have needed the CVC code for the card. However, I ...
4
votes
2answers
87 views

Are invalid card numbers under PCI compliance

If a merchant sends an invalid card number to the bank, will the bank have to secure the information to be PCI compliant?
2
votes
1answer
50 views

How to protect myself from future fraud? [closed]

Recently, I had my credit/debit card from my bank "stolen." The thieves somehow got my card number and information and took quite a bit of money from my account. Fortunately, I was able to recover it ...
0
votes
1answer
61 views

Is it safe to recycle unshredded credit card receipts?

Is it safe to recycle unshredded paper credit card receipts? Can identity theft be helped by data disclosed on most vendor's receipts?
1
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3answers
1k views

How can hotels securely receive your credit card details (for a custom, one-off payment)?

A hotel belonging to a large chain (400 hotels in 60 countries) has just requested me to send my credit card details via standard (unsecured) email. I have negotiated a deal for accommodation with ...
0
votes
1answer
73 views

Are there software solutions take encrypted credit card data taken straight off a square credit card reader and insert them into a standard web form? [closed]

Does anyone know how you can take the encrypted output of a square card reader and insert it directly into a standard web form?
0
votes
1answer
80 views

Credit card data [closed]

I want to scan files for is there any credit card information.I searched for find good product. I used this application card recon Is there any similar product like that for find credit data ...
3
votes
1answer
131 views

Improving magnetic stripe card security with a “magnetic noise” hash?

I was reading the wiki on magnetic stripe cards when I stumbled across this sentence: "Magnetic stripe cloning can be detected by the implementation of magnetic card reader heads and firmware that can ...
0
votes
2answers
287 views

Is it PCI compliant to send credit card details to the server without saving them there?

Considering I use SSL the whole process. I have an IOS client that I want to use to enter the user's credit card details. I want to do the whole charging and processing on the server side, so I send ...
2
votes
4answers
338 views

Storing credit cards to use for purchases on customer's behalf

My client physically makes online purchases (through various websites) on his customer's behalf using their credit cards. His clients have basically said "here's my credit card, buy what you need to." ...
0
votes
3answers
232 views

Bank cards - chips vs mag stripe security

In this thread: Why are chips safer than magnetic stripes? the answers all seem to be that the chip cards are far more secure and difficult to copy. Here is my problem, and my question. A couple of ...
134
votes
5answers
19k views

Why are chips safer than magnetic stripes?

After the recent Target hack there has been talk about moving from credit cards with magnetic stripes to cards with a chip. In what ways are chips safer than stripes?
3
votes
1answer
103 views

PCI Complient Storing Credit Card Data On Offline Tablet

I have a client that does work in rural areas where there are no cellphone or internet connections. They need a way to take credit card information in the field, bring it back to their office where ...
3
votes
4answers
1k views

How to spoof an ATM transaction?

About 20 years ago, a man disappeared, but his ATM card was "supposedly" used the day after the disappearance. However, surveillance footage of the store shows no-one in the store physically used the ...
40
votes
10answers
13k views

Can a steel woven wallet prevent RFID scanning of credit card information?

According to the Popular Mechanics article RFID Credit Cards and Theft: Tech Clinic, the fact that many new credit/debit cards have a RFID chip embedded on it, there is a risk (albeit, small according ...
4
votes
4answers
380 views

Signature instead of PIN, Visa card

Most of the credit cards require PIN to authorize transaction. Recently upon a transaction the merchant required my signature and not my PIN. I understand this is another sort of authorizing the ...
0
votes
1answer
112 views

How secure are credit card readers? [closed]

Can the data be easily intercepted when (or after) the card is swiped? My main concern is at a trusted vendor. There are two possibly different situations: 1) a typical point of sale scanner with a ...
3
votes
3answers
545 views

What are the security implications of a device like Coin?

Coin is a new device aimed at replacing up to 8 credit cards in your wallet with a single device. It apparently works by scanning the credit card data into a mobile application that syncs with the ...
25
votes
4answers
2k views

Convince the company not to store credit card numbers in our webapp

The company I work for needs a system to perform monthly credit card charges to customer accounts. Customers will be able to update their credit card information from an online interface written in ...
9
votes
4answers
4k views

Make online payments anonymously? [closed]

Is there a service/company which allows you to make anonymous payments online ? This is how i want the service to work - Just like a credit/debit card. When you make the payment online, instead of ...
2
votes
1answer
873 views

How safe is the new iOS Keychain that stores credit card numbers?

iOS7 includes iCloud Keychain which syncs your stored passwords across devices. Not only that but it also syncs credit card numbers. The only information I can find about encryption is that they are ...