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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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
273 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?
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 ...
3
votes
2answers
609 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 ...
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 ...
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 ...
1
vote
1answer
554 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 ...
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 ...
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
410 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?
1
vote
2answers
119 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 ...
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: ...
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
358 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 ...
1
vote
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 ...
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 ...
3
votes
2answers
163 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 ...
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 ...
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 ...
-2
votes
1answer
840 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?
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 ...
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 ...
7
votes
3answers
546 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 ...
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
2answers
949 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 ...
39
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
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 ...
1
vote
1answer
346 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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
4
votes
2answers
867 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, ...
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 ...
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 ...
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 ...
4
votes
1answer
248 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 ...
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 ...
8
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 ...
12
votes
5answers
294 views

I need ideas for blocking a single malevolent user

Let me throw out this problem I'm having to some of my technical peeps and see if you guys have any new suggestions: We have a website that sends text messages and voice mails for our clients. ...
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 ...
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 ...