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Accession Number
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PB2013-102372
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Title
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Computing Science: The Dangers of Verify PIN on Contactless Cards.
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Publication Date
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May 2012
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Media Count
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14p
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Personal Author
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A. van Moorsel B. Arief F. Hao J. Hannon M. Emms T. Defty
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Abstract
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Contactless/Near Field Communication (NFC) card payments are being introduced around the world, allowing customers to use a card to pay for small purchases by simply placing the card onto the Point of Sale terminal. Although the terminal needs to be able to verify a PIN, it is not clear if such PIN verification features should be available on the NFC card itself. We show that contactless Visa payment cards have (largely redundant) functionality, Verify PIN, which makes them vulnerable to new forms of wireless attack. Based on careful examination of the Europay, MasterCard and Visa (EMV) protocol and experiments with the Visa fast Dynamic Data Authentication transaction protocol, we provide a set of building blocks for possible attacks. These building blocks are data skimming, Verify PIN and transaction relay, which we implement and experiment with. Based on these building blocks, we propose a number of realistic attacks, including a denial-of-service attack and a newly developed realistic PIN guessing attack. The conclusion of our work is that implementing Verify PIN functionality on NFC cards has no demonstrated benefits and opens up new avenues of attack.
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Keywords
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Attack
Cards
Computer program verification
Credit cards
Data processing security
Debit cards
Europay MasterCard and Visa (EMV)
Functionality
Identification systems
Near Field Communication (NFC)
Payment systems
Personal identification number (PIN)
Point of sale
Relay
Skimming
Vulnerability
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Source Agency
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University of Newcastle Department of Computing Science
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NTIS Subject Category
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62 - Computers, Control & Information Theory
96F - Banking & Finance
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Corporate Author
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Newcastle upon Tyne Univ. (England).
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Document Type
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Technical report
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Title Note
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N/A
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NTIS Issue Number
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1304
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Contract Number
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N/A
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