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Securing Mobile
                                     Payments
                                           v1.1

Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751




                                 Witham Laboratories
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                         Witham Laboratories
                                         Slide No. 1   Building Confidence in Payment Systems
Defining Mobile Payments
                                 • What is “mobile”?
                                   – Paying on a phone? Paying with a phone?
                                     Accepting payments with a phone?
                                   – What about other mobile devices:
                                      • Tablets, laptops, e-readers, PMDs?
Witham Laboratories
1/842 High Street
East Kew 3102
                                   – What about internet banking on a phone?
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350
                                 • ‘Mobile’ is often defined by the vendor
Rambla de Catalunya
38, 8 planta
08007 Barcelona
                                   – Be aware that there are different meanings
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                   – Let’s look at some examples …
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                      Witham Laboratories
                                                      Slide No. 2   Building Confidence in Payment Systems
Defining Mobile Payments
                                 Mobile payment examples




Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                Witham Laboratories
                                                Slide No. 3   Building Confidence in Payment Systems
Defining Mobile Payments
                                 • Contactless / NFC often used for mobile
                                   – NFC = Near Field Communications
                                   – Contactless NFC != RFID
                                   – Provides processing on card
                                      • RFID is just a contactless bar-code
Witham Laboratories
1/842 High Street
East Kew 3102
                                   – Cards require ‘active’ EM field to operate
                                      • Draw power from the field itself
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya                   • Limits range of independent access to card(s)
38, 8 planta


                                   – Collision resistance and time-delays built in
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                     to prevent accidental purchases
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                        Witham Laboratories
                                                      Slide No. 4     Building Confidence in Payment Systems
Why is Mobile Different
                                 • Aspires to be everything to everyone
                                   – Card, bank, cash, Point of Sale register
                                 • Mobile presents new sets of problems
                                   – Different operating systems and vulns
                                         • 400% increase in mobile virii since 2010*
Witham Laboratories
1/842 High Street                               – Zeus and Spyeye specifically target financial data
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
                                         • Keyboard auto-complete caches and location
Fax: +61 3 9857 0350
                                           logging a potential for compromise
Rambla de Catalunya
38, 8 planta
08007 Barcelona                          • Rapid OS development and lack of knowledge
Spain
Ph: +34 93 184 27 88
                                           / visibility to approval bodies
Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                   * Android platform, “Malicious Mobile Threats Report 2010/2011” , Juniper        Witham Laboratories
                                                                       Slide No. 5                Building Confidence in Payment Systems
Why is Mobile Different
                                 • Introduces new market players
                                   – Google, Apple, Square, Intel
                                 • New market dynamics
                                   – Is security still a main customer concern?
                                      • Mobile often seen as a cash replacement
                                      • ‘As good as cash’ for security may be enough, if
Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
                                        coupled with increased convenience
                                   – Customer interface changes
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88
                                      • Does the customer interface to the issuer or
Email: lab@withamlabs.com
                                        the phone company? Who is the issuer?
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                       Witham Laboratories
                                                      Slide No. 6    Building Confidence in Payment Systems
Why is Mobile Different
                                 • Card data stored in ‘Secure Element’
                                    – But how is the data transmitted?


                                 Mobile          Network Modem                       Payment
                                 Network                                             Network
                                                  User Interface
Witham Laboratories
1/842 High Street
East Kew 3102
                                                 Application
Melbourne
Australia
Ph: +61 3 9846 2751
                                                 Operating System
Fax: +61 3 9857 0350              Perso /
Rambla de Catalunya               Update         Secure Element
38, 8 planta                                                                             POS /
08007 Barcelona                   Server                                                 POI
Spain
Ph: +34 93 184 27 88
                                                 NFC Controller
Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                      Witham Laboratories
                                                     Slide No. 7    Building Confidence in Payment Systems
PCI SSC and Mobile
                                 • PCI taking a three pronged approach to
                                   mobile payments
                                   – PCI PTS approved add-on devices
                                      • Must be approved to SRED requirements
                                      • Can accept MSR and/or ICC, with/without PIN
Witham Laboratories
1/842 High Street
                                   – PA DSS approved applications on certain
East Kew 3102
Melbourne
Australia
                                     types of mobile devices
Ph: +61 3 9846 2751


                                   – Working with mobile vendors for further
Fax: +61 3 9857 0350


Rambla de Catalunya


                                     solutions around mobile payments
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com             • Expect more from PCI on mobile in the future
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                      Witham Laboratories
                                                     Slide No. 8    Building Confidence in Payment Systems
PCI PTS v3 - SRED
                                 • PCI PIN Transaction Security program
                                   – Secure Reading and Exchange of Data
                                     (SRED) module introduced in v3
                                   – Non-PIN device class approvals in v3.1
                                      • Secure Card Reader (SCR), non-PED
Witham Laboratories
1/842 High Street
East Kew 3102
                                 • Allows for secure mobile transactions
                                   – Approval of physically & logically secure
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
                                     encrypting card acceptance devices
                                   – PIN / Chip / Stripe acceptance supported
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                     with external hardware devices
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                     Witham Laboratories
                                                     Slide No. 9   Building Confidence in Payment Systems
PA DSS and Mobile
                                 • PCI SSC is cautious about approval of
                                   mobile applications
                                   – Three types of mobile apps defined
                                   – PA DSS approval only for two types
                                   – Work on-going regarding type 3
Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
Australia                            Category 1       Category 2         Category 3
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350               PCI PTS Device     Dedicated        All other mobile
Rambla de Catalunya                                 Payment Device    payment software
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88

                                     Can be approved to PA DSS        Cannot currently be
Email: lab@withamlabs.com
                                                                      approved to PA DSS
PCI PTS PCI PIN PCI DSS PA-DSS                                                           Witham Laboratories
                                                                       Building Confidence in Payment Systems
                                                       Slide No. 10
Mobile Payments Stats




Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                       Witham Laboratories
                                      Slide No. 11   Building Confidence in Payment Systems
Mobile Events 2011
                                 • Visa invest in Square (April)
                                 • Visa release mobile best practice (April)
                                 • PCI define 3 types of mobile apps (June)
                                 • Google Wallet released in conjunction
Witham Laboratories
                                   with MasterCard (Sept)
1/842 High Street



                                 • PCI release PCI PTS v3.1 as a facilitator
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
                                   to secure mobile add-on devices (Sept)
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88
                                 • MasterCard / Intel co-operation (Nov)
                                 • GSMA support for SIM based NFC (Nov)
Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                    Witham Laboratories
                                                   Slide No. 12   Building Confidence in Payment Systems
Visa Mobile Best Practices
                                 • Provide secure code loading & updates
                                   – Using known chain of trust
                                 • Use secure coding best practices
                                 • Protect encryption keys
Witham Laboratories
                                   – PCI PTS and PA DSS referenced
1/842 High Street
East Kew 3102
Melbourne
Australia
                                 • Allow for remote disablement
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
                                   – Reduce risk & threat of stolen device(s)
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88
                                 • Log and track sensitive operations
Email: lab@withamlabs.com
                                   – Store remotely where possible
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                     Witham Laboratories
                                                    Slide No. 13   Building Confidence in Payment Systems
Visa Mobile Best Practices
                                 • Encrypt all public transmissions of data
                                 • Protect account data from other apps
                                   – Encrypting reader recommended (SRED)
                                 • Provide truncation and/or tokenisation
Witham Laboratories
                                   – Minimize storage of account data
1/842 High Street
East Kew 3102
Melbourne
Australia
                                 • Protect stored PAN and sensitive
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
                                   account data
                                   – By using encryption
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                   – Only store SAD prior to authorisation
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                     Witham Laboratories
                                                    Slide No. 14   Building Confidence in Payment Systems
Contactless Security
                                 Lots of press on ‘Contactless pickpockets’




Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                             Is this a problem?
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                    Witham Laboratories
                                                   Slide No. 15   Building Confidence in Payment Systems
Contactless Security
                                 • CVV3 / CVC3 is used to dislocate data
                                   on contactless card with MSR / ICC data
                                   – Provides a unique value per transaction
                                   – Uses information from the terminal
                                      • Prevents replay attacks
Witham Laboratories
1/842 High Street
East Kew 3102
                                   – Uses unique secret keys in card
                                      • Mitigates card cloning
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
                                 • Contactless data can be intercepted,
08007 Barcelona
Spain
Ph: +34 93 184 27 88               but PAN/expiry only provides little value
Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                       Witham Laboratories
                                                      Slide No. 16   Building Confidence in Payment Systems
Security without CVM
                                 • But there’s no PIN / signature!
                                   – Contactless floor limits prevent large-scale
                                     fraud using stolen card
                                   – Scheme rules reduce cardholder liability
                                   – Reduction in PIN use and CVV3/CVC3
Witham Laboratories
1/842 High Street
                                     reduces incentives for skimming
East Kew 3102
Melbourne
Australia
Ph: +61 3 9846 2751
                                   – Other scheme incentives reduce value of
                                     PAN / expiry only data
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta


                                 • Documented fraud on contactless cards
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                   in Australia very low
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                     Witham Laboratories
                                                    Slide No. 17   Building Confidence in Payment Systems
Mobile Payments Security
                                 • ‘Secure element’ used in phones
                                   – To protect the cryptographic keys and data
                                   – Current approvals to requirements such as
                                     MasterCard CAST / EMV chip security
                                   – Protects against side channel and physical
Witham Laboratories
1/842 High Street
                                     attacks
East Kew 3102



                                 • Secure element like a physical card chip
Melbourne
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350


Rambla de Catalunya
38, 8 planta
                                   on your phone
08007 Barcelona
Spain
Ph: +34 93 184 27 88               – Integration may expose new vulns
                                   – Understand risks when assessing mobile
Email: lab@withamlabs.com



PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                    Witham Laboratories
                                                   Slide No. 18   Building Confidence in Payment Systems
What’s the Future for Mobile?
                                 • Mobile payments will not disappear
                                   – An area of growth, not a fad
                                 • Contactless / NFC will play a big part
                                   – Co-existence of other wireless interfaces
                                     possible for the short term
                                 • Mobile payments likely to push secure
Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne



                                   elements into phones
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350




                                   – Lead to other possible uses
Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                   – Certification requirements may expand
PCI PTS PCI PIN PCI DSS PA-DSS
                                     beyond current CAST / EMV chip
                                                                                     Witham Laboratories
                                                    Slide No. 19   Building Confidence in Payment Systems
What’s the Future for Mobile?
                                 • Understand what ‘mobile’ means to
                                   your business
                                   – Payment, banking, acceptance, other (?)
                                   – Risk mitigations are different
                                 • Look past the hype for the real story
Witham Laboratories
1/842 High Street
East Kew 3102
Melbourne
                                   – Both in benefits and risks
Australia
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350             • Be aware of emerging standards
Rambla de Catalunya
38, 8 planta
08007 Barcelona
Spain
                                   – OK today may not be OK tomorrow
Ph: +34 93 184 27 88


Email: lab@withamlabs.com        • Ensure CHD remains protected …
PCI PTS PCI PIN PCI DSS PA-DSS
                                                                                     Witham Laboratories
                                                    Slide No. 20   Building Confidence in Payment Systems
Questions?




Witham Laboratories
1/842 High Street
                                 For further information please contact
East Kew 3102
Melbourne
Australia
                                   Andrew Jamieson
Ph: +61 3 9846 2751
Fax: +61 3 9857 0350
                                   Technical Manager
Rambla de Catalunya
38, 8 planta
08007 Barcelona                    Witham Laboratories
Spain
Ph: +34 93 184 27 88


Email: lab@withamlabs.com
                                   Email: andrew.jamieson@withamlabs.com
PCI PTS PCI PIN PCI DSS PA-DSS
                                   Phone: +61 3 9846 2751
                                                                                      Witham Laboratories
                                                    Slide No. 21    Building Confidence in Payment Systems

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Mobile payments v1 1

  • 1. Securing Mobile Payments v1.1 Witham Laboratories 1/842 High Street East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 Witham Laboratories Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 1 Building Confidence in Payment Systems
  • 2. Defining Mobile Payments • What is “mobile”? – Paying on a phone? Paying with a phone? Accepting payments with a phone? – What about other mobile devices: • Tablets, laptops, e-readers, PMDs? Witham Laboratories 1/842 High Street East Kew 3102 – What about internet banking on a phone? Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 • ‘Mobile’ is often defined by the vendor Rambla de Catalunya 38, 8 planta 08007 Barcelona – Be aware that there are different meanings Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com – Let’s look at some examples … PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 2 Building Confidence in Payment Systems
  • 3. Defining Mobile Payments Mobile payment examples Witham Laboratories 1/842 High Street East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 3 Building Confidence in Payment Systems
  • 4. Defining Mobile Payments • Contactless / NFC often used for mobile – NFC = Near Field Communications – Contactless NFC != RFID – Provides processing on card • RFID is just a contactless bar-code Witham Laboratories 1/842 High Street East Kew 3102 – Cards require ‘active’ EM field to operate • Draw power from the field itself Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya • Limits range of independent access to card(s) 38, 8 planta – Collision resistance and time-delays built in 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com to prevent accidental purchases PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 4 Building Confidence in Payment Systems
  • 5. Why is Mobile Different • Aspires to be everything to everyone – Card, bank, cash, Point of Sale register • Mobile presents new sets of problems – Different operating systems and vulns • 400% increase in mobile virii since 2010* Witham Laboratories 1/842 High Street – Zeus and Spyeye specifically target financial data East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 • Keyboard auto-complete caches and location Fax: +61 3 9857 0350 logging a potential for compromise Rambla de Catalunya 38, 8 planta 08007 Barcelona • Rapid OS development and lack of knowledge Spain Ph: +34 93 184 27 88 / visibility to approval bodies Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS * Android platform, “Malicious Mobile Threats Report 2010/2011” , Juniper Witham Laboratories Slide No. 5 Building Confidence in Payment Systems
  • 6. Why is Mobile Different • Introduces new market players – Google, Apple, Square, Intel • New market dynamics – Is security still a main customer concern? • Mobile often seen as a cash replacement • ‘As good as cash’ for security may be enough, if Witham Laboratories 1/842 High Street East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 coupled with increased convenience – Customer interface changes Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 • Does the customer interface to the issuer or Email: lab@withamlabs.com the phone company? Who is the issuer? PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 6 Building Confidence in Payment Systems
  • 7. Why is Mobile Different • Card data stored in ‘Secure Element’ – But how is the data transmitted? Mobile Network Modem Payment Network Network User Interface Witham Laboratories 1/842 High Street East Kew 3102 Application Melbourne Australia Ph: +61 3 9846 2751 Operating System Fax: +61 3 9857 0350 Perso / Rambla de Catalunya Update Secure Element 38, 8 planta POS / 08007 Barcelona Server POI Spain Ph: +34 93 184 27 88 NFC Controller Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 7 Building Confidence in Payment Systems
  • 8. PCI SSC and Mobile • PCI taking a three pronged approach to mobile payments – PCI PTS approved add-on devices • Must be approved to SRED requirements • Can accept MSR and/or ICC, with/without PIN Witham Laboratories 1/842 High Street – PA DSS approved applications on certain East Kew 3102 Melbourne Australia types of mobile devices Ph: +61 3 9846 2751 – Working with mobile vendors for further Fax: +61 3 9857 0350 Rambla de Catalunya solutions around mobile payments 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com • Expect more from PCI on mobile in the future PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 8 Building Confidence in Payment Systems
  • 9. PCI PTS v3 - SRED • PCI PIN Transaction Security program – Secure Reading and Exchange of Data (SRED) module introduced in v3 – Non-PIN device class approvals in v3.1 • Secure Card Reader (SCR), non-PED Witham Laboratories 1/842 High Street East Kew 3102 • Allows for secure mobile transactions – Approval of physically & logically secure Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta encrypting card acceptance devices – PIN / Chip / Stripe acceptance supported 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com with external hardware devices PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 9 Building Confidence in Payment Systems
  • 10. PA DSS and Mobile • PCI SSC is cautious about approval of mobile applications – Three types of mobile apps defined – PA DSS approval only for two types – Work on-going regarding type 3 Witham Laboratories 1/842 High Street East Kew 3102 Melbourne Australia Category 1 Category 2 Category 3 Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 PCI PTS Device Dedicated All other mobile Rambla de Catalunya Payment Device payment software 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Can be approved to PA DSS Cannot currently be Email: lab@withamlabs.com approved to PA DSS PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Building Confidence in Payment Systems Slide No. 10
  • 11. Mobile Payments Stats Witham Laboratories 1/842 High Street East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 11 Building Confidence in Payment Systems
  • 12. Mobile Events 2011 • Visa invest in Square (April) • Visa release mobile best practice (April) • PCI define 3 types of mobile apps (June) • Google Wallet released in conjunction Witham Laboratories with MasterCard (Sept) 1/842 High Street • PCI release PCI PTS v3.1 as a facilitator East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya to secure mobile add-on devices (Sept) 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 • MasterCard / Intel co-operation (Nov) • GSMA support for SIM based NFC (Nov) Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 12 Building Confidence in Payment Systems
  • 13. Visa Mobile Best Practices • Provide secure code loading & updates – Using known chain of trust • Use secure coding best practices • Protect encryption keys Witham Laboratories – PCI PTS and PA DSS referenced 1/842 High Street East Kew 3102 Melbourne Australia • Allow for remote disablement Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya – Reduce risk & threat of stolen device(s) 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 • Log and track sensitive operations Email: lab@withamlabs.com – Store remotely where possible PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 13 Building Confidence in Payment Systems
  • 14. Visa Mobile Best Practices • Encrypt all public transmissions of data • Protect account data from other apps – Encrypting reader recommended (SRED) • Provide truncation and/or tokenisation Witham Laboratories – Minimize storage of account data 1/842 High Street East Kew 3102 Melbourne Australia • Protect stored PAN and sensitive Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya account data – By using encryption 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com – Only store SAD prior to authorisation PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 14 Building Confidence in Payment Systems
  • 15. Contactless Security Lots of press on ‘Contactless pickpockets’ Witham Laboratories 1/842 High Street East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com Is this a problem? PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 15 Building Confidence in Payment Systems
  • 16. Contactless Security • CVV3 / CVC3 is used to dislocate data on contactless card with MSR / ICC data – Provides a unique value per transaction – Uses information from the terminal • Prevents replay attacks Witham Laboratories 1/842 High Street East Kew 3102 – Uses unique secret keys in card • Mitigates card cloning Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta • Contactless data can be intercepted, 08007 Barcelona Spain Ph: +34 93 184 27 88 but PAN/expiry only provides little value Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 16 Building Confidence in Payment Systems
  • 17. Security without CVM • But there’s no PIN / signature! – Contactless floor limits prevent large-scale fraud using stolen card – Scheme rules reduce cardholder liability – Reduction in PIN use and CVV3/CVC3 Witham Laboratories 1/842 High Street reduces incentives for skimming East Kew 3102 Melbourne Australia Ph: +61 3 9846 2751 – Other scheme incentives reduce value of PAN / expiry only data Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta • Documented fraud on contactless cards 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com in Australia very low PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 17 Building Confidence in Payment Systems
  • 18. Mobile Payments Security • ‘Secure element’ used in phones – To protect the cryptographic keys and data – Current approvals to requirements such as MasterCard CAST / EMV chip security – Protects against side channel and physical Witham Laboratories 1/842 High Street attacks East Kew 3102 • Secure element like a physical card chip Melbourne Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Rambla de Catalunya 38, 8 planta on your phone 08007 Barcelona Spain Ph: +34 93 184 27 88 – Integration may expose new vulns – Understand risks when assessing mobile Email: lab@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 18 Building Confidence in Payment Systems
  • 19. What’s the Future for Mobile? • Mobile payments will not disappear – An area of growth, not a fad • Contactless / NFC will play a big part – Co-existence of other wireless interfaces possible for the short term • Mobile payments likely to push secure Witham Laboratories 1/842 High Street East Kew 3102 Melbourne elements into phones Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 – Lead to other possible uses Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com – Certification requirements may expand PCI PTS PCI PIN PCI DSS PA-DSS beyond current CAST / EMV chip Witham Laboratories Slide No. 19 Building Confidence in Payment Systems
  • 20. What’s the Future for Mobile? • Understand what ‘mobile’ means to your business – Payment, banking, acceptance, other (?) – Risk mitigations are different • Look past the hype for the real story Witham Laboratories 1/842 High Street East Kew 3102 Melbourne – Both in benefits and risks Australia Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 • Be aware of emerging standards Rambla de Catalunya 38, 8 planta 08007 Barcelona Spain – OK today may not be OK tomorrow Ph: +34 93 184 27 88 Email: lab@withamlabs.com • Ensure CHD remains protected … PCI PTS PCI PIN PCI DSS PA-DSS Witham Laboratories Slide No. 20 Building Confidence in Payment Systems
  • 21. Questions? Witham Laboratories 1/842 High Street For further information please contact East Kew 3102 Melbourne Australia Andrew Jamieson Ph: +61 3 9846 2751 Fax: +61 3 9857 0350 Technical Manager Rambla de Catalunya 38, 8 planta 08007 Barcelona Witham Laboratories Spain Ph: +34 93 184 27 88 Email: lab@withamlabs.com Email: andrew.jamieson@withamlabs.com PCI PTS PCI PIN PCI DSS PA-DSS Phone: +61 3 9846 2751 Witham Laboratories Slide No. 21 Building Confidence in Payment Systems