-----Original Message-----
From: Andrew van der Stock [mailto:vanderaj@greebo.net]
Francesco said:
It's for a web-based financial application (users accessing
credit-card
transaction information, signing in with their card number,
PIN and last
4 of SSN) so we pretty much *have* to have that information
in the DB to
compare at logon.
Unless you're the employer of these people, proving welfare
services, or
require the SSN for mandated government reporting you must
NOT collect or
use the SSN for authentication purposes as you can't repurpose the
collection from its primary purpose. The SSN is also available in many
semi-public ways, so it's not a good authenticator and is officially
frowned upon.
There is no regulation or law that prevents a private organization from
requesting, requiring or using a person's SSN (if provided by it's
owner). Some companies like banks will claim that they require SSN's
because of money laundering laws, but I have yet to find the actual law
that does require it. Federal, state, and local government agencies are
prohibited from collecting or using SSN's unless specifically authorized
by law, but you'll find that there are MANY exceptions and it still
happens quite often regardless of the law. The law that prohibits this
is the "1974 Privacy Act" it does not affect the private sector. That
said, collecting and using SSN's by private organizations is a BAD idea.
Smart customers don't like it and dumb ones will think it was you who
gave out their info when their identity is stolen.
http://www.ssa.gov/pubs/10064.html
There are better resources. Try googling for "1974 Privacy Act".
The card number is a poor account identifier as attackers can loop
through your institution's BIN numbers and DoS lockout your
application trivially.
Yes. I've seen it happen. A 4 digit pin works great on an ATM machine,
but NOT on the net.
The CCV (the three digit validator) is ephemeral data only.
You must not use this in a persistent way unless you are the
issuing institution, and even then you should take appropriate
steps to protect the confidentiality of this data.
Visa and Mastercard prohibit the storage of CCV (or CVV2) information
after a credit card authorization stage unless as you say you are the
issuing institution. Storage of the CCV number after authorization
whether on paper, disk, memory, encrypted, whatever is punishable by a
$50,000 fine from Visa/MC on the first offense.
Try again. :)
Andrew
Indeed. As others have posted, your best bet is to store a hash of the
information or truncate the information. For example if you use the last
four digits of the SSN, then store only the last four digits. If you
really are going to encrypt credit card data, then you MUST follow
Visa/Mastercard guidelines and use split key dual control with a minimum
of 128bit for symmetric or 1024bits for asymmetric encryption. Split key
dual control means that a key must be split up and given to at least two
people. From Visa's guidelines you CANNOT simply give half the key to
one person and half to another, you must split at least 4 ways and give
piece 1 and 3 to one person and 2 and 4 to the other. Read up, there's
been lots of discussion on this.
Andy
