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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7
votes
3answers
847 views

How does credit card authorization work

Few days ago I heard a professional scammer explaining how he exploits the banks, I cant find the right word to describe his actions, even the word scam does not fit as he is not breaking the law but ...
2
votes
2answers
67 views

In this instance, is code+security code really more secure than just a longer code?

On credit cards, the security code is printed on the back of the card (usually), on the premise that having a credit-card slip or photo of the front of the card won't allow you to use it fraudulently. ...
53
votes
10answers
17k views

Can I scratch off the magnetic strip off a debit card to only allow chip and PIN?

I have been robbed in the past by thieves using my HSBC Debit Card (issued by UAE branch) to purchase mobile phones and accessories by signing for the purchases. While the card has chip & PIN ...
1
vote
1answer
97 views

My app is asking for card details, but does not stores them. Do I need PCI compliance?

I plan to build an Android/iPhone app. The app will contain a few forms and status screens. One of the screens will ask the user for their card details. Once they'll click submit they'll be sent over ...
11
votes
4answers
549 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 ...
-5
votes
1answer
139 views

Is www.cheap-lingerine.com safe to use my credit card on? [closed]

I want to make sure my information is safe. This website is openly china-oriented but says to secure card information with Secure Sockets Layer technology (SSL) on those pages that involve sensitive ...
1
vote
2answers
127 views

Are input fields that don’t have name=“” sent via the browser [closed]

Are input fields that don’t have name attributes susceptible to MITM attacks (w/o SSL) or any other attack? For example: <form action="" method="post"> <label ...
0
votes
1answer
114 views

Credit card fraud preventions [duplicate]

Ok lets say some one have clone my debit card here in Greece all debit cards have and stripe and chip and lets say in a way he knows my pin and all my information and he put the info on a blank card ...
2
votes
1answer
215 views

Why recommend “letters, numbers, and special characters” in a User ID?

Why do some sites recommend "letters, numbers, and special characters" in a username or User ID? When creating a User ID at the www.discovercard.com website, the "User ID Strength" indicator meter ...
0
votes
2answers
166 views

Does changing credit card numbers provide better security over time?

I've always contacted my bank and credit card provider every year and simply asked to change my credit card number itself (and get a new card). They do so without a hassle and I feel more secure in ...
0
votes
1answer
792 views

What can a hacker do with a card number without CVV? [duplicate]

From my experience a card can not be used for online payment without a valid CVV, then why is it still always emphasized that card number must be protected? What can a hacker do, assume that he has ...
1
vote
2answers
99 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
vote
2answers
74 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 ...
3
votes
2answers
197 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
vote
2answers
210 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, ...
29
votes
7answers
6k 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)? Ideally, I'm ...
1
vote
1answer
203 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 ...
0
votes
1answer
62 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
3k 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 ...
2
votes
4answers
2k 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 ...
1
vote
2answers
150 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 ...
6
votes
4answers
1k 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 ...
2
votes
1answer
128 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?
5
votes
4answers
1k 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
413 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
259 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
77 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 ...
2
votes
3answers
349 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 ...
2
votes
2answers
144 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 ...
0
votes
2answers
108 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 ...
1
vote
1answer
1k 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 ...
3
votes
1answer
201 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 ...
2
votes
0answers
79 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 ...
4
votes
2answers
155 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
76 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 ...
3
votes
1answer
228 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
216 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?
0
votes
1answer
133 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?
3
votes
1answer
231 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
3answers
1k 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 ...
0
votes
3answers
1k 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 ...
146
votes
5answers
31k 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
180 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 ...
5
votes
4answers
979 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
170 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 ...
2
votes
3answers
110 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 ...
2
votes
4answers
705 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
1answer
621 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
719 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 ...
4
votes
3answers
629 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 ...