Payment Media Newsletter December 2020
What's New  What's New     Articles / Featured  Featured

2021: Greater security for online payments with PSD2

The new security requirements for online payments will come into effect in the European Economic Area (EEA) in January 2021 as a result of the PSD2 directive. From this date, all online card payments will have an additional layer of security involving strong customer authentication (SCA). Customers will be asked to confirm payments by entering a secret number received by SMS or a code generated by a smartphone app or with a biometric identifier such as a fingerprint or facial recognition.

At the following link you can find more information:

https://euipo.europa.eu/ohimportal/es/news/-/action/view/8410243


Dates published for 2021 for the PCI SSC training programs via eLearning

The PCI SSC makes public the calendar of dates to receive the training and take the corresponding online exam for each of them for the year 2021. Among these trainings are the 3DS, QSA, ISA, CPSA, P2PE, SSF, PCIP, and QPA programs.

More information on the official (ISC)² website:
https://training.pcisecuritystandards.org/elearning-with-online-certification-exam


Update of the implementation dates of requirement 18-3 of the PCI P2PE standard

The PCI SSC has issued a statement whereby, immediately, the change of dates for requirement 18-3 of the PCI P2PE standard becomes effective, which aims to have symmetric encryption keys managed in Key blocks structures. Specifically, this requirement is defined in 3 implementation phases, the first phase reached its deadline in 2019, so it is not affected by this change and for the remaining two phases, the implementation period has been extended by another 2 years, starting from its predefined deadline in the standard.

More information on the PCI SSC website:
https://www.pcisecuritystandards.org//pdfs/Key_Block_Implementation_Bulletin_P2PE_final.pdf


Only 1 in 4 global organizations complies with PCI DSS

Global organizations continue to put the data of their customers' cardholders at risk due to the lack of a long-term payment security strategy and execution, according to the Verizon Business 2020 payment security report.

The lack of qualified CISOs and long-term security thinking is severely affecting sustained compliance over time with the PCI DSS standard. This affects all companies, regardless of their size.

More information at the following link:

https://www.paymentscardsandmobile.com/only-1-in-4-global-organisations-maintain-full-compliance-with-pci-dss/

   

Risks of rooting our Android device

In this article, Héctor Berrocal presents us with an analysis of the risks associated with rooting our Android device, a technique that has been very fashionable in recent years, but which has inherent security implications that should be known.

Protection mechanisms against the main email threats

Daniel Fuertes tells us, in this article divided into two parts, about the main protection measures and mechanisms that we have today to deal with the threats present in relation to email, that great tool that all organizations use for their internal and external communications.

Part 1:
https://blog.isecauditors.com/2020/10/mecanismos-proteccion-ante-principales-amenazas-en-correo-electronico.html

Part 2:
https://blog.isecauditors.com/2020/11/mecanismos-proteccion-ante-amenazas-en-el-correo-electronico-parte2.html


The importance of encryption suites in communications in PCI DSS

Diego de la Horra presents us with an article related to the importance of encryption suites in communications through public or untrusted networks, within the PCI DSS payment card data protection standard.


Anonymization and Pseudonymization of Personal Data

In this article, Sergio Moreno analyzes one of the topics that presents the most controversy and doubts to different organizations when they face the problem of anonymization or pseudonymization of personal data.

The article ends with an interesting table that collects the types of anonymization and pseudonymization techniques along with the risks associated with each of them.

       
Incident Analysis   Incident Analysis
FireEye

The cybersecurity company FireEye reported that it was hacked by a state intelligence agency. This is the largest theft of cybersecurity tools since the attack on the US National Security Agency in 2016 by a group that has not yet been identified, although the first indications point to Russia.

Hackers could use FireEye tools to hack high-risk and high-level targets with room to deny any kind of responsibility.

More information:
https://www.infobae.com/america/eeuu/2020/12/08/la-empresa-de-ciberseguridad-fireeye-denuncio-que-fue-hackeada-por-una-agencia-de-inteligencia-estatal/

Montana Hospital Group

Montana Hospital Group suffered a data breach due to a phishing scheme in which hackers used emails to trick employees so that they would provide their login credentials.

After the investigation, it was verified that there were records of personal data affected in the incident, it was estimated that there were personal data and information of almost 130,000 patients involved.

For this, Montana Hospital Group will have to pay an amount of 4.2 million dollars.

More information on the web:
https://www.govtech.com/security/Montana-Hospital-Group-to-Pay-4-2M-After-Breach-Lawsuit.html

WattPad

In June 2020, the user-generated story website Wattpad suffered a huge data breach that exposed almost 268,745,495 million records.

The data was initially sold in private sales of more than 100,000 dollars and then published on a public piracy forum where it was widely shared for free.

The incident exposed extensive personal information, including personal names and usernames, email addresses and IP, genders, general geographic location, birth dates and passwords stored as bcrypt hashes.

More information on the web:
https://www.bleepingcomputer.com/news/security/wattpad-data-breach-exposes-account-info-for-millions-of-users/

AIS

The researcher and head of Security at Cloudflare, Justin Paine, discovered an open ElasticSearch database when browsing BinaryEdge and Shodan on May 7, 2020. According to Paine's incident summary, the database appeared to be controlled by a subsidiary of a major mobile device based in Thailand. A network operator called Advanced Info Service (AIS). AIS is a major GSM mobile phone operator with 39.87 million customers.

The database contained a combination of DNS query records and NetFlow records for what appeared to be AWN customers. According to the available data, Paine said that the database was first observed as exposed and accessible to the public on May 1, 2020. During the three weeks that the database was exposed, the volume of data grew significantly, adding approximately 200 million new rows of data every 24 hours.

On May 21, there were 8,336,189,132 records stored in the database. AIS confirmed the data leak, acknowledging that its “procedures fell short”. In the investigation it was verified that the leaked data did not contain PII that could be used to identify any customer.

More information on the web:
https://rainbowtabl.es/2020/05/25/thai-database-leaks-internet-records/

Trends   Trends

IoT payments in cities, cars, and retailers

The Internet of Things (IoT) revolution is changing the world as we know it. The point of sale is no longer a destination; it is wherever and whenever the customer wants it to be. Visa is helping to drive this transformation by providing platform-level technologies that enable partners to create and innovate. These new ideas will ultimately shape the future of payments and help people live frictionless lives.

Payment systems will be implemented in wearables, cars, cities, accessories, etc.

More information at the following link:

https://usa.visa.com/visa-everywhere/innovation/future-of-payment-technology.html#Cars_b9bc


A Cashless World

VISA has conducted a study and published a report on the innovations underway for a future cashless world. The study explores trends, needs, behavioral patterns, and growth opportunities surrounding payments and highlights five key trends in this regard: friction removal, control, convenience, multi-use, and experiences.

More information at the following link:

https://usa.visa.com/dam/VCOM/global/visa-everywhere/documents/innovations-cashless-report-digital.pdf

           
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