Criminals can guess Visa number and security code in six seconds, experts find

Re:Criminals can guess Visa number and security code in six ... by adrr on Sunday December 04, 2016 @06:03PM (#13102252)

I designed the fraud prevention for a major ecommerce site(PCI Level 1). We used to get hit with lots of card testing including bot nets. They are easily mitigated. First thing is detune your error messages. Combine all the errors into one generic message. This includes AVS, CVN, and Expiration. I've see so many sites return the raw message back from the processor.

We also actively black holed large blocks IP addresses including TOR exit nodes and open proxies. Before all the privacy people make comments. We're a store. If you show up wearing a ski mask we aren't going to sell to you.

Sometimes we go on the offense and detect the patterns/attributes for the botnets that allowed us distinguish them from real traffic. We didn't block them, we fed them bad data. That made them go away fast.

Most important take away: Mitigating fraud will lead to higher auth success rates as you build up the reputation on your MID(Merchant ID). Its not only important in preventing chargebacks but increasing revenue.

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Re:Criminals can guess Visa number and security code in six ... by ian0 on Monday December 05, 2016 @01:24AM (#13103729)

Its opposite in my experience. Detuning error messaging will increase abandonment as users wont know how to recover from errors (Eg invalid CVV) - thereby decreasing revenue. Its especially true where something like 3D secure is in use and failure messages varied.

Ive also never seen risk based authentication based on MID in place at issuers (Im in SEA it could be different in more developed markets). Rather they have blanket bans on MID or categories of MID with high fraud-to-sales ratios. Payments processors and acquirers have fraud detection systems, but they will score not actively decline.

So while someone abusing your service may land you in hot water, reducing their ability doesn't necessarily mean a higher authorization rate for regular transactions.

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Re:Criminals can guess Visa number and security code in six ... by politician on Sunday December 04, 2016 @08:09PM (#13102725)

Regarding error messages: At a previous gig, we had to aggressively and repeatedly fight the business side who thought that vague credit card error messages were a large source of user confusion. Eventually, we won but it was certainly an eye-opening moment for the developers involved to even have to fight that battle.

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Re:Criminals can guess Visa number and security code in six ... by curun1r on Sunday December 04, 2016 @10:38PM (#13103230)

I've had the same argument many times over error messages for login and forgot password flows. Being security conscious is a way of thinking that many people aren't really capable of and an even greater number have problem maintaining consistently. It's so ingrained in product managers to make their software as friendly as possible that they forget that sometimes their users don't have similarly noble intentions. This is also why social engineering is so successful. When it's your job to be helpful, it's very difficult to be strategically unhelpful when necessary.

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Re:Criminals can guess Visa number and security code in six ... by pavlik_enemy on Monday December 05, 2016 @09:38AM (#13105565)

If you have a sign-up page, the usual "invalid email or password" message on sign-in form doesn't increase security.

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Re:Criminals can guess Visa number and security code in six ... by adrr on Sunday December 04, 2016 @09:20PM (#13102978)

Score your users based on attributes like whats in cart, IP reputation, browser/os, pages visited, source,3rd party fraud detecton providers etc. Score should reflect how likely the user is genuine or not. For well scoring users which should be 90% of your traffic, provide them with detailed messages.

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Re:Criminals can guess Visa number and security code in six ... by dawnerd on Monday December 05, 2016 @12:32AM (#13103573)

I wish sites like newegg would treat customs with successful transactions as safe. I've had many times where they've outright canned an important order for really no reason. Trying to get them to accept it is a whole other hassle.

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Re:Criminals can guess Visa number and security code in six ... by lmm on Monday December 05, 2016 @07:01AM (#13104848)

Vote with your wallet. I don't think this is common behaviour.

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Re:Criminals can guess Visa number and security code in six ... by dawnerd on Monday December 05, 2016 @11:53AM (#13106794)

I have been. Despite it sometimes costing more I buy all my drives from other vendors. Mostly been amazon recently. They're cool with taking my huge orders.

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Re:Criminals can guess Visa number and security code in six ... by ian0 on Monday December 05, 2016 @03:06AM (#13104050)

There are tradeoffs, you have to balance security with usability. Generic payments failure messages are responsible for a lot of frustration in users, especially users who are paying online for the first time and have to go through complicated payments processes like 3D secure.

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Re:Criminals can guess Visa number and security code in six ... by fphhotchips on Sunday December 04, 2016 @08:47PM (#13102875)

As a programmer, I get it, but as a user there's been a few times where I fat-fingered a number or an address and the payment failed - it was then a minor PITA to figure out exactly what I got wrong.

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