Does The Online Card Payment Landscape Unwittingly Facilitate Fraud?

  1. Lookup NU author(s)
  2. Mohammed Ali
  3. Dr Leonardus Arief
  4. Dr Martin Emms
  5. Professor Aad van Moorsel
Author(s)Ali MA, Arief B, Emms M, van Moorsel A
Publication type Article
JournalIEEE Security & Privacy
Year2017
Volume15
Issue2
Pages78-86
ISSN (print)1540-7993
ISSN (electronic)1558-4046
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This article provides an extensive study of the current practice of online payment using credit and debit cards, and the intrinsic security challenges caused by the differences in how payment sites operate. We investigated the Alexa top-400 online merchants’ payment sites, and realised that the current landscape facilitates a distributed guessing attack. This attack subverts the payment functionality from its intended purpose of validating card details, into helping the attackers to generate all security data fields required to make online transactions. We will show that this attack would not be practical if all payment sites performed the same security checks. As part of our responsible disclosure measure, we notified a selection of payment sites about our findings, and we report on their responses. We will discuss potential solutions to the problem and the practical difficulty to implement these, given the varying technical and business concerns of the involved parties.
PublisherInstitute of Electrical and Electronics Engineers
URLhttps://doi.org/10.1109/MSP.2017.27
DOI10.1109/MSP.2017.27
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