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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2
votes
3answers
106 views

Are there any reasons to be concerned about the security of “Coin”? [duplicate]

I just came across this: https://onlycoin.com/ A credit-card sized device that not only holds the info for as many credit and debit and membership cards as you want (they claim) but also can ...
0
votes
1answer
147 views

Is it possible that the same VISA debit card numbers could be issued to different people by different banks? [closed]

I'm wondering if is it possible that the same VISA debit card numbers could ever be issued to different people by different banks or companies?
1
vote
2answers
286 views

When paying online with a credit card, what is “3D authentication” and is it reliable?

I tried making a purchase from http://www.laptop-batteries.ca/ but on the very last step the page reloaded with an error. A representative contacted me asking why I didn't complete the order and I ...
2
votes
1answer
235 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?
1
vote
1answer
172 views

Is it possible for a NFC-enabled device to emulate a Visa card with PayWave?

If someone has access to the physical Visa card (and with that comes the number on the front, the expiry date, and three digits on the back) would it be possible for them to program a NFC-enabled ...
-2
votes
1answer
90 views

What are the security measures to be taken before launching a site with credit card payments? [closed]

We just completed functionality testing of our new e-commerce site and going to launch.We are accepting credit card payments. I'm really concerned about it's security.What are the precautions to be ...
0
votes
2answers
643 views

Safe to email images with personal information? or use encryption for images?

It's common knowledge not to email credit card numbers or other personal information. How about emailing photographs that contain personal information, such as a photo of a deposit? Regarding plain ...
2
votes
3answers
166 views

Alternative to charging 2 small amounts for credit cards authentication?

Currently the client I'm working for charge 2 small amounts on adding credit card to authenticate credit card. After that they ask end-users to check the exact amounts on their monthly statements and ...
6
votes
1answer
240 views

What's the use of adding a challenge to a one time password algorithm?

In these YouTube videos Challenge-Respond Mode and Sign Mode the customer enters a challenge into the CAP device before generating a one time password. Why not just generate the one time password ...
1
vote
1answer
555 views

How does paypal store credit card numbers?

How does Paypal store credit card numbers? Have they published any information this? As for now I would say that they encrypt the card numbers and store the key in an HSM, but this is just a ...
3
votes
2answers
193 views

Why would one increment card security code for a new payment card

I have a debit payment card, once it expired I received a new one. The card numbers look like this Old card xxxx xxxx 1111 1111 New card xxxx xxxx 2222 2222 where x are the matching numbers and 1 ...
6
votes
2answers
10k views

Specific risks of embedding an HTTPS iframe in an HTTP page

I need help listing the specific risks of embedding an HTTPS iframe that enables credit card checkout inside of an HTTP page. Are there security issues with embedding an HTTPS iframe on an HTTP page? ...
1
vote
1answer
322 views

Advantages of using a Digital Signature Scheme (DSS) with Appendix instead of DSS giving Message Recovery

I've been looking at the EMV draft specification (pdf) for using Eliptic Curve Cryptography in payment cards instead of the currently used RSA. One thing I've noticed is that they've moved from using ...
3
votes
2answers
275 views

Storing credit card data on behalf of customers: and transfer the data later

I'm developing a web application for hotels that send offers to the guest's hotels. I want to store the guest's credit card data in a secure way, through a third party service as I don't want to ...
5
votes
2answers
448 views

Why are signatures considered a valid authentication method?

Why are signatures considered valid methods if identification when paying with a check or credit card? For that matter, what do those credit card readers do with my signature when I sign them? Are ...
8
votes
2answers
6k views

Safety of publishing last 4 credit card digits in age of fast computing?

How safe is it to make public the last four digits of a credit card? Credit card numbers have a specific format. Digits tell you what type of institution issued the card, what bank issued the card, ...
8
votes
3answers
616 views

Storing Credit Cards

Okay, so storing digitized credit card information/records is a well documented process when it comes to best practices. I recently got asked how a company can store, retrieve and process physical ...
-4
votes
1answer
138 views

Online POS terminal? [closed]

I need something like physical POS terminal but online, for offline credit card processing without needing CVV code on my site. Does something like this exists?
3
votes
2answers
612 views

Unencrypted data over Magnetic Card Reader. What are the security risks?

I am working on evaluating the security of my University's student id card. The ID card contains both a magnetic stripe and a RFID component and is used to make payments as well as to provide access ...
13
votes
3answers
586 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 ...
7
votes
3answers
548 views

Credit card fraud prevention

The project that I am working on requires processing of credit cards. Is there any way to detect cloned/counterfeit cards? Are there any proven workarounds to prevent credit card fraud or misuse? We ...
17
votes
4answers
1k views

Credit card forms on HTTP pages a MITM risk?

The other day, there was a web developer mailing list thread about a fundraiser page. One person noted that the page with the credit card form was HTTP, not HTTPS. In response, one person said that ...
4
votes
3answers
744 views

Secure one-time-use credit cards

I've been reading a lot about one-time-use online credit card numbers (e.g. https://www.discover.com/credit-cards/member-benefits/security/create-online-account-number.html#) but I have to admit that ...
2
votes
1answer
305 views

Credit card data - sharing and storage [duplicate]

What is the industry standard for sharing credit card data between client (thin & thick) and server?
1
vote
3answers
1k views

Sending secure information from app with ssl

I'm a web developer, but I occasionally step over into doing some mobile app development here and there. A client recently asked me to help them develop a very simple app. The app is essentially just ...
2
votes
1answer
412 views

Are banks required to be PCI compliant?

Since credit card transactions like cash advance can be performed at most ATMs, are banks required to be PCI DSS compliant?
6
votes
1answer
292 views

secure credit card transactions on the internet

I have read about how hopelessly insecure credit cards are, and was wondering if there is, in the uk, a provider of either: One time use credit cards. Text me on transaction cards. Pre paid cards: ...
1
vote
2answers
120 views

Bad transactions in an e-commerce system?

I read an article signifyd-raises-2m-from-andreessen-horowitz-to-help-online-businesses-use-data-to-prevent-payments-fraud which talks about a service that pulls together data to screen the ...
3
votes
1answer
1k views

How traceable is ATM and point-of-sale credit card use back to you in practice?

A friend said ATM use is traceable easily, while point-of-sale credit card use isn't - this statement goes against my common sense. I searched for the the topic and this is what I have found: ...
2
votes
3answers
359 views

Client is not storing Credit Cards Securily (near plain text). How do I convince client to be more secure?

I am writing in regards to PCI-DSS compliance for taking credit cards. A client of mine is not willing / does not want to bump up security beyond what is currently done for their credit card data. All ...
3
votes
2answers
164 views

Proxying a Credit Card Transaction?

Lets say there is a service that processes a credit card, service X. I want to create a new service (Y) that has a form on it mirroring the fields from service X. I use the credentials entered into ...
36
votes
5answers
6k 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 ...
2
votes
3answers
241 views

PCI Compliance Problem

My company is trying to become fully PCI Compliant and we are switching our outdated systems to use Authorize.net CIM among other things. But, currently we're all over the place and until our new ...
0
votes
1answer
190 views

Why most of the Websites supports only Paypal for online transaction? [closed]

Background : There are several electronic and email based online transaction system worldwide. For example, Paypal, MoneyBooker, Alert Pay and others. My Question : Why most of the Websites supports ...
-2
votes
1answer
841 views

Credit Card Error. What doe “Bad Track 2” mean? [closed]

I am receiving this error when a customer is trying a transaction. What causes it?
4
votes
1answer
305 views

Conceptual design of vulnerability scanning program in global retail network (PCI DSS)

I am trying to design yearly program to scan for vulnerabilities on a very large network of payment terminals. The company has thousands of retail points all around the world which need to be ...
2
votes
2answers
952 views

Why does Amazon ask for the CVC/CVV if it bills without it?

I have a follow-up question relating to this question: How does Amazon bill me wihout the CVC / CVV / CVV2? If amazon.com can bill without the CVV why does it ask for it the first time information ...
4
votes
1answer
113 views

Giving merchant account information to web programmer

Our web programmer needs our merchant account information to set up our ecommerce site. He is asking for the "processor name", "processor ID" and "merchant ID". If I provide him with the information ...
23
votes
2answers
10k views

Minimum requrements for storing last 4 digits of credit card number?

We have a merchant website that uses Autorize.net's CIM and AIM. Our users may have multiple credit cards so we'd want to give them opportunity to distinguish between credit cards that they use on ...
1
vote
1answer
347 views

Which PCI DSS SAQ applies when you don't store store but transmit CHD?

We have a merchant website that uses Authorize.net's AIM. Cardholder data (credit card number, expiration date, etc.) is entered at our website. Then it's transmitted to payment gateway and isn't ...
9
votes
3answers
7k views

What is the DUKPT Key Derivation Function?

I'm tasked with decrypting ciphertext acquired from an encrypted card reader. The card reader utilizes DUKPT(derived unique key per transaction) scheme and 3DES encryption. I don't have a problem with ...
0
votes
2answers
475 views

Is this way of using Authorize.net's CIM PCI compliant?

We have a webapp where Authorize.NET's CIM and AIM are used for payment operations. When user buys something at first time he enters his CC number and other billing information at our site. This ...
8
votes
4answers
3k 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 ...
3
votes
1answer
204 views

Fraud Mitigation - Card Present Transactions

When it comes to fraud screening for card not present transactions (credit card / debit card) there are a number of techniques / services that can be utilized to mitigate risks from fraudulent ...
3
votes
2answers
2k views

Send credit card info by email from HTTPS and SMTP on SSL

A client asked me to receive credit card info of his costumers by email. I know that is a very very not secure way ... But if the page with the input form is on HTTPS, and then i use a smtp (like ...
4
votes
2answers
870 views

Is a new protocol needed for credit card transactions?

It seems like many places spend a ton of time and money securing their site for credit card transactions. However, there are still millions of credit card numbers being stolen. Fraud is big business, ...
0
votes
2answers
247 views

Signing up on a paid site with a credit card

I'm building a subscription-based website that needs to accept recurring payments. The concept is much like that of Netflix, but there is also a variation between the two. When a user attempts to ...
22
votes
4answers
24k views

What is the use of stolen credit card details?

What can a person with stolen credit card details do? Buy porn? Buy tons of server resources to perform an attack? What else? I'm sure that if he buys books, shoes and bicycles or transfer funds ...
2
votes
3answers
326 views

Why do credit cards not use digital certificates?

Asymmetric encryption and digital certificates are used all over in the IT world to verify authenticity and prevent forgeries. And it works great. Why do credit cards not use some form of ...
4
votes
1answer
250 views

Has the wedge security flaw been fixed for credit cards?

According to this site http://www.lightbluetouchpaper.org/2009/08/25/defending-against-wedge-attacks/ there is a flaw in EMV. Since then has this flaw been fixed? Is it the same law as the one ...