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).

learn more… | top users | synonyms

4
votes
2answers
1k 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, ...
15
votes
3answers
696 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
293 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
263 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
349 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
368 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 ...
9
votes
3answers
10k 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 ...
13
votes
5answers
437 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
842 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
34k 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 ...
3
votes
1answer
225 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 ...