At the 2016 US Black Hat Security Conference, two researchers demonstrated a new attack method that can intercept credit card details at the POS and adjacent systems. It can even obtain the device's PIN code and CVV code.
The two researchers named Nir Valtman and Patrick Watson, who are not professional researchers, but an employee who manufactures ATM machines and POI hardware called NCR.
Valtman and Watson demonstrated a man-in-the-middle attack that could be implemented either on hardware or software.
How attacks occur on hardware and software.
Their attacks use POI (interactive payment point) devices such as card readers and password pads to obtain data sent to POS system software without encryption.
POS software, which is usually an application running on a POI device computer, is a piece of software that may be infected with a malicious program, allowing fraudsters to steal credit card information in memory.
This man-in-the-middle attack requires adding a pin-like device between the credit card and the reader to steal information from the POS software.
The device acts as a proxy between the two, intercepting and storing the exchanged data. This usually includes the credit card number, card holder name, and expiration date.
The attacker can trick the user into getting the PIN and CVV code.
Researchers say that due to the special device permissions, not only legitimate transactions are allowed to pass, but also the user's PIN code is queried, or the credit card's security code (CVV) is required.
In addition, if it is not possible to place hardware devices, the researchers said that PoS malware can also be used to inject malicious code to use DLLs to attack a legitimate POS application and then require PIN and CVV codes.
To mitigate this attack, researchers suggest that POI vendors should implement P2PE (point-to-point encryption) on their devices.
In addition, users should take a proactive approach and pay attention when trading. They should not re-enter their password or CVV code when paying online.
The two researchers named Nir Valtman and Patrick Watson, who are not professional researchers, but an employee who manufactures ATM machines and POI hardware called NCR.
Valtman and Watson demonstrated a man-in-the-middle attack that could be implemented either on hardware or software.
How attacks occur on hardware and software.
Their attacks use POI (interactive payment point) devices such as card readers and password pads to obtain data sent to POS system software without encryption.
POS software, which is usually an application running on a POI device computer, is a piece of software that may be infected with a malicious program, allowing fraudsters to steal credit card information in memory.
This man-in-the-middle attack requires adding a pin-like device between the credit card and the reader to steal information from the POS software.
The device acts as a proxy between the two, intercepting and storing the exchanged data. This usually includes the credit card number, card holder name, and expiration date.
The attacker can trick the user into getting the PIN and CVV code.
Researchers say that due to the special device permissions, not only legitimate transactions are allowed to pass, but also the user's PIN code is queried, or the credit card's security code (CVV) is required.
In addition, if it is not possible to place hardware devices, the researchers said that PoS malware can also be used to inject malicious code to use DLLs to attack a legitimate POS application and then require PIN and CVV codes.
To mitigate this attack, researchers suggest that POI vendors should implement P2PE (point-to-point encryption) on their devices.
In addition, users should take a proactive approach and pay attention when trading. They should not re-enter their password or CVV code when paying online.
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