advertisement
advertisement

This is page 2 of:

Forgotten Apps Pose PCI Danger, Visa List Shows

June 10th, 2010

The list is not directly shared with retailers (at least Visa doesn’t), but acquirers are permitted to share the information with retailers. Why not share the full list with retailers so they have the best information? The security argument falls flat, because it’s not a list of merchants at which the old apps are still used. Surely, the benefit to the community’s security is advanced more by making it easier for retailers to rid their systems of these troublesome relics.

Apps on the list don’t necessarily consistently retain prohibited data. Here’s the exact wording from the document: “product version that may retain sensitive authentication data.” However, one person who works with Visa said the list includes either apps known to retain prohibited data or apps that were involved in a data breach.

Yes, there is a slight risk of cyberthieves searching for the riskier versions in retail systems. It’s not much of a concern, however, because of the effort-to-benefit ratio. But if that’s a real security issue, then Visa’s publishing an approved list that says “version 5.2 and above is compliant” pretty much telegraphs to the bad buys what they need to seek. In short, it’s a problem regardless of whether the Bad Apps list is disclosed.

The list is also not necessarily 100 percent accurate. One app on the list, for example, is osCommerce 2.1. It seems to be the only open-source application on the list, and it is also the only item on the list that mentions neither a patch nor a certified version. But the list gives January 2008 as the date the product was either published or updated, even though 2.1 was replaced by 2.2 seven years ago (back in 2003), according to Kym Romanets. Romanets is the CEO of OzeWorks, the company that has commercialized the open-source osCommerce.(See Frank Hayes’ column, Why Open Source Drives PCI Nuts)

Beyond the date, Romanets said she disagrees that even the older version of the app retains prohibited data, although she added that one part of the program might have confused Visa into thinking it did.

“The only area that Visa might have issue with was the provision of a demonstration payment module, which did store credit card details in the database and was not PCI compliant because it was not meant to be,” Romanets said. “It was for demonstration purposes and clearly marked ‘Not For Production Use.’ osCommerce has removed this module and it is not available in the current MS2.2 RC2a download.”

Given the existence of patches for many of these versions, the discovery of a version number on the Bad Apps list doesn’t necessarily mean it’s a problem. But upgrading or replacing that version is probably not a bad idea. After all, it can be hard to quickly determine whether a patch had indeed been applied. It seems simpler to just upgrade the whole app.

Here is Visa’s Bad Apps Version list, as of June 2, 2010:

  • ACI Worldwide. OpeN/2. All versions prior to V6.2.
  • Affiliated Computer Services. WebPRCS. All versions prior to V7.0.
    Omnimatic V3.1, 2.1.
    PRCS-TIM. All versions prior to V4.0.
    PRCS-PC. All versions prior to 6.1.

advertisement

2 Comments | Read Forgotten Apps Pose PCI Danger, Visa List Shows

  1. Steve Sommers Says:

    I have no idea the reason Visa or PCI SSC does not publicly post this list. I have two guesses: 1) legal reasons — Visa is affraid they’ll be sued for libel? or 2) security reasons like you mentioned — but hackers have a better network for distributing this information and most likely already know these vulnerable apps and many more.

    *The asterisks next to the various Micros versions indicate that there are secure third party drivers that can bring them into compliance.

  2. Tom G Says:

    It’s logical not to publish the list, although I would personally benefit from its publication.

    Two of my competitors are on the list, but the systems listed are very old. Many consumers would look at the brand name and just reject them as potential choices to be on the safe side. VISA doesn’t want it list to be a kiss of death for an established brand.

Newsletters

StorefrontBacktalk delivers the latest retail technology news & analysis. Join more than 60,000 retail IT leaders who subscribe to our free weekly email. Sign up today!
advertisement

Most Recent Comments

Why Did Gonzales Hackers Like European Cards So Much Better?

I am still unclear about the core point here-- why higher value of European cards. Supply and demand, yes, makes sense. But the fact that the cards were chip and pin (EMV) should make them less valuable because that demonstrably reduces the ability to use them fraudulently. Did the author mean that the chip and pin cards could be used in a country where EMV is not implemented--the US--and this mis-match make it easier to us them since the issuing banks may not have as robust anti-fraud controls as non-EMV banks because they assumed EMV would do the fraud prevention for them Read more...
Two possible reasons that I can think of and have seen in the past - 1) Cards issued by European banks when used online cross border don't usually support AVS checks. So, when a European card is used with a billing address that's in the US, an ecom merchant wouldn't necessarily know that the shipping zip code doesn't match the billing code. 2) Also, in offline chip countries the card determines whether or not a transaction is approved, not the issuer. In my experience, European issuers haven't developed the same checks on authorization requests as US issuers. So, these cards might be more valuable because they are more likely to get approved. Read more...
A smart card slot in terminals doesn't mean there is a reader or that the reader is activated. Then, activated reader or not, the U.S. processors don't have apps certified or ready to load into those terminals to accept and process smart card transactions just yet. Don't get your card(t) before the terminal (horse). Read more...
The marketplace does speak. More fraud capacity translates to higher value for the stolen data. Because nearly 100% of all US transactions are authorized online in real time, we have less fraud regardless of whether the card is Magstripe only or chip and PIn. Hence, $10 prices for US cards vs $25 for the European counterparts. Read more...
@David True. The European cards have both an EMV chip AND a mag stripe. Europeans may generally use the chip for their transactions, but the insecure stripe remains vulnerable to skimming, whether it be from a false front on an ATM or a dishonest waiter with a handheld skimmer. If their stripe is skimmed, the track data can still be cloned and used fraudulently in the United States. If European banks only detect fraud from 9-5 GMT, that might explain why American criminals prefer them over American bank issued cards, who have fraud detection in place 24x7. Read more...

StorefrontBacktalk
Our apologies. Due to legal and security copyright issues, we can't facilitate the printing of Premium Content. If you absolutely need a hard copy, please contact customer service.