Tags: AT&T, Chris Mark, cybercrime, cybersecurity, data security, SC Magazine, Secure Computing, security
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In the August, 2013 edition of Secure Computing Magazine (SC Magazine), I have an interview and article included. The interview is for the cover story called “Beyond the Checkbox; PCI DSS” and the article is called “Understanding Parallax and Convergence to Improve Security”. Below is an excerpt from the article..be sure to check them out!
“To address today’s threats, companies require a high degree of convergent perspective, information expertise, and coordination between personnel and groups. Previously, companies could “make do” with basic security controls such as firewalls, Intrusion Detection System (IDS), and anti-virus. Attempting to understand the threats facing an organization and analyzing risk was often an afterthought, as companies relied upon simple compliance matrices and lists of “best practices” to secure their environment. This is no longer sufficient to address the threats of 2013. A major mistake in information security implementation is what can be referred to as “security parallax.””
EMV: Payment Security Endzone? September 29, 2012Posted by Heather Mark in Industry News, PCI DSS.
Tags: 2010 Outback Bowl, Chip & PIN, College Gameday, Dr. Heather Mark, EMV, mark consulting group, PCI DSS, Western States Acquiring Association
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As I’m buckling down for another fun-filled day of college football, I’m drawn to compare the GameDay set to some of the panels I’ve recently seen. As Kirk, Lee, and the gang try to determine the best strategies for each team in their respective games, I think about my colleagues and myself sitting at the panel tables, trying to envision the best way to secure payment (and other sensitive) data without crushing our bottom lines. Okay – maybe it’s a bit of a stretch, but I needed a way to work college football into a post. Mission accomplished.
On a more serious note, though, I recently attended the Western States Acquiring Association conference in Huntington Beach. It was well-attended and had a number of interesting sessions. Not surprisingly, much of the talk centered around EMV, of Chip & PIN. Some wondered whether EMV meant the end of PCI DSS. Well, the answer to that question is a resounding “no.” The PCI SSC has already been adamant about the fact that the PCI DSS remains relevant, even in the face of advancing security technologies. (Insert your own commentary here.) In fact, there is legitimacy in the argument that is put forth here. Simply adding additional layers of authentication doesn’t change the type of data that is collected. In many cases, as we’ve seen with international adoption of the standard, it simply chases the fraud to other milieus – whether different geographic regions or different acceptance channels.
Additionally, we’ve seen evidence that Chip & PIN may not be as secure as we’d thought. Brian Krebs recently wrote an article highlighting research on a security flaw in the EMV technology. Supposition has it that thieves have been “quietly exploiting” this flaw to “skim” the data. That’s not to say that EMV is useless, but it’s not the exactly the impenetrable defense that some have made it out to be. Even the best defensive line sometimes gives up the big play.
So – to the question in the title – does EMV represent the winning score? My thought is that payment security is more like the 2010 Outback Bowl between Auburn and Northwestern. After a back and forth game that ended regulation play tied, the teams went on for five overtime periods that finally ended only when Auburn managed to wear their opponent down just shy of the goal-line. It was a long, brutal game and you really couldn’t tell who was going to win. You just gotta keep putting your best players on the field and keep those trick plays coming.
What do you think of EMV? Touchdown, fumble, or forward progress?
Tags: InfoSec, security, markconsultinggroup.com, data breach, risk, encryption, password, yahoo, hash
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A story today on MSNBC says that Yahoo Voices was compromised and 450,000 usernames/password posted online. Not surprisingly, the passwords were not hashed or otherwise protected using encryption. While the posting of passwords is nothing new what is interesting is what the researchers found when looking at user generated passwords. The most common passwords were ‘123456’ followed by ‘password’ and ‘welcome’. Fully 1/3 of the passwords used lower case letters only. Here is where I get on my soapbox. According to the story:
“Yahoo! Voices’ administrators made a big mistake storing the passwords in plaintext, but all users need to bolster their own security as well. Make passwords harder to guess by making them more than eight characters long, and pepper them with upper-case letters, numbers and punctuation marks.”
First, strong passwords would not have helped because YAHOO WAS STORING THEM IN CLEARTEXT!..and they were stolen! Second, the company should enforce strong passwords. While all users should use strong passwords, when dealing with 450K users it is prudent to understand that either some users aht a will not understand what a strong password is or will simply ignore the directions. Yahoo should have forced strong passwords…
“Are You Eating a Rotten Apple?” – Personal Data May have Been Exposed in Global Payments Breach July 9, 2012Posted by Chris Mark in Risk & Risk Management, InfoSec & Privacy, Industry News, PCI DSS, Data Breach, cybersecurity.
Tags: risk management, security, PCI DSS, mark consulting group, cybersecurity, data breach, Global Payments, compliance, PII
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Let me preface this post by saying this is not intended to take shots at either Global Payments or the PCI DSS. Rather, this post is intended to generate discussion and discourse on the topic of compliance and risk management.
According to reports, it seems that the Global Payments data breach may have exposed more than payment card data. n a June 12 update posted to its breach microsite, Global says hackers may have gained access to servers containing personal information collected from a subset of merchant customers.
“The company will notify potentially affected individuals in the coming days with helpful information and make available credit monitoring and identity protection insurance at no cost,” Global says. “The notifications are unrelated to cardholder data and pertain to individuals associated with a subset of the company’s U.S. merchant applicants.”
Based upon this statement it seems fair to assume that Personally Identifiable Information (PII) such as Social Security number and Bank Account information may have been exposed, as well.
This situation exposes the danger of using a narrowly focused, static standard as a baseline of security management rather than adopting a risk based approach to data security. I have personally conducted over 100 PCI DSS audits and have seen first hand the resources consumed by the standard. Companies often appear so laser focused upon protecting payment card data that other systems and data may take a back seat in the pursuit of “PCI DSS compliance.” As there are significant penalties associated with non-compliance that it is difficult to blame the merchant or service provider. The penalties are designed to compel compliance with the standard. As such, companies are going to give precedent to the PCI DSS over any other standard that does not have equivalent penalties associated with non compliance.
As a reminder, the PCI DSS is ONLY focused protection of Cardholder Data. Surely some are going to say that the PCI should be applied across all systems etc.etc. This is great in theory but does not happen in practice. Companies take great pains to minimize their cardholder data environment specifically to lessen the compliance burden.
I am sure we will continue to see breaches of payment card companies having PII exposed as companies focus on PCI to the exclusion of risk based security management.
Tags: cybersecurity, data breach, data security, greensheet, Heather Mark, mark consulting group, security, transactionworld
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Heather Mark is interviewed in the July 2012 issue of Greensheet in the article titled: “Expert Advice on Security Defense and Planning”. The article discusses strategies for preventing and dealing with data breaches with the payment card industry. Additionally, Heather has an article in TransactionWorld titled: “New School vs. Old School: Security and Emerging Technologies”. You can catch Heather’s articles every month in Transaction World Magazine.