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	<title>Comments on: Widespread Flaws in Online Banking Systems</title>
	<atom:link href="http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/</link>
	<description>Ethical Hacking, Penetration Testing &#38; Computer Security</description>
	<pubDate>Fri, 21 Nov 2008 07:03:33 +0000</pubDate>
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		<title>By: Morgan Storey</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124355</link>
		<dc:creator>Morgan Storey</dc:creator>
		<pubDate>Wed, 06 Aug 2008 11:11:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124355</guid>
		<description>@Navin: That was me, it is one of my favourite sayings: "A chain is only as strong as it's weakest link"
I know of one large company (a four letter acronym) that's CEO had his password be the companies name, so only a 4 character password, and exactly the same as the company name.... YIKES Being the CEO he had full access to HR files, Accounting files, corporate secret documents. These are the people that need a kick up the bum.

I don't think we need to have personal banking, and frankly I couldn't care less, but we do need security, I don't think personal banking gives 100% nothing does, at least user/pass/one-time key is at least revokeable, not like someone who just looks/sounds like you.</description>
		<content:encoded><![CDATA[<p>@Navin: That was me, it is one of my favourite sayings: &#8220;A chain is only as strong as it&#8217;s weakest link&#8221;<br />
I know of one large company (a four letter acronym) that&#8217;s CEO had his password be the companies name, so only a 4 character password, and exactly the same as the company name&#8230;. YIKES Being the CEO he had full access to HR files, Accounting files, corporate secret documents. These are the people that need a kick up the bum.</p>
<p>I don&#8217;t think we need to have personal banking, and frankly I couldn&#8217;t care less, but we do need security, I don&#8217;t think personal banking gives 100% nothing does, at least user/pass/one-time key is at least revokeable, not like someone who just looks/sounds like you.</p>
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		<title>By: gul</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124351</link>
		<dc:creator>gul</dc:creator>
		<pubDate>Wed, 06 Aug 2008 08:44:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124351</guid>
		<description>Hey, I was thinking it's an adequate act... but... One day, I call for banking information, my bankier was absent, so I got an other one. Only asking for my bithday... Cool... ? Being such a big secret, I'm confident no one could get my informations... or not...

At least, I will be able to told them that it can't be me cause I just talk to my bankier and their identification methods are poor and they can't prove it was really me...

And.. yes, you are a number, at least for them :D</description>
		<content:encoded><![CDATA[<p>Hey, I was thinking it&#8217;s an adequate act&#8230; but&#8230; One day, I call for banking information, my bankier was absent, so I got an other one. Only asking for my bithday&#8230; Cool&#8230; ? Being such a big secret, I&#8217;m confident no one could get my informations&#8230; or not&#8230;</p>
<p>At least, I will be able to told them that it can&#8217;t be me cause I just talk to my bankier and their identification methods are poor and they can&#8217;t prove it was really me&#8230;</p>
<p>And.. yes, you are a number, at least for them <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /></p>
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		<title>By: ZaD MoFo</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124344</link>
		<dc:creator>ZaD MoFo</dc:creator>
		<pubDate>Tue, 05 Aug 2008 18:16:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124344</guid>
		<description>@gul « So I use that old fashioned way to get my informations, and the only security I got is that my banker know me well… »

An adequate act.

Whatever happened to the banking system, they should now realise the power of true communication  - AKA: eyes to eyes meeting an handshake. Even the sound of your voice thru the phone. Their insurance costs soar and they can not remain insensitive to these as it cuts their profits.

The premium they charge me is worth the burden to speak in person on occasion just to have them remember I AM NOT A NUMBER.</description>
		<content:encoded><![CDATA[<p>@gul « So I use that old fashioned way to get my informations, and the only security I got is that my banker know me well… »</p>
<p>An adequate act.</p>
<p>Whatever happened to the banking system, they should now realise the power of true communication  - AKA: eyes to eyes meeting an handshake. Even the sound of your voice thru the phone. Their insurance costs soar and they can not remain insensitive to these as it cuts their profits.</p>
<p>The premium they charge me is worth the burden to speak in person on occasion just to have them remember I AM NOT A NUMBER.</p>
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		<title>By: Navin</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124335</link>
		<dc:creator>Navin</dc:creator>
		<pubDate>Tue, 05 Aug 2008 14:58:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124335</guid>
		<description>thts a nice video.... yeah there was this article I'd read once upon a time about the most commonly used web mail passwords in the UK and names of a certain football club tht  starts with an "L" and rhymes with skewerpool was right up there in the top 5.....  along with two other popular EPL teams in the top 10....... and the most common password was......guess what?? 1234567 (mostly upto the minimum no. of digits possible). 

And as you've mentioned, both are important!!

And as someone had mentioned.... network security is like a steel chain... its only as strong as its weakest link!!</description>
		<content:encoded><![CDATA[<p>thts a nice video&#8230;. yeah there was this article I&#8217;d read once upon a time about the most commonly used web mail passwords in the UK and names of a certain football club tht  starts with an &#8220;L&#8221; and rhymes with skewerpool was right up there in the top 5&#8230;..  along with two other popular EPL teams in the top 10&#8230;&#8230;. and the most common password was&#8230;&#8230;guess what?? 1234567 (mostly upto the minimum no. of digits possible). </p>
<p>And as you&#8217;ve mentioned, both are important!!</p>
<p>And as someone had mentioned&#8230;. network security is like a steel chain&#8230; its only as strong as its weakest link!!</p>
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		<title>By: gul</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124329</link>
		<dc:creator>gul</dc:creator>
		<pubDate>Tue, 05 Aug 2008 08:15:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124329</guid>
		<description>Even poor physical security is not a good idea. And having seen poorly designed lockers, it can be as effective as 'admin' as password.

If your not aware of phisical security, have a look at jerome poggi presentation : http://www.clusif.asso.fr/video/clusif-crochetage-poggi.avi

Sorry, it's in french... but you can figure out the important things without it ;)</description>
		<content:encoded><![CDATA[<p>Even poor physical security is not a good idea. And having seen poorly designed lockers, it can be as effective as &#8216;admin&#8217; as password.</p>
<p>If your not aware of phisical security, have a look at jerome poggi presentation : <a href="http://www.clusif.asso.fr/video/clusif-crochetage-poggi.avi" rel="nofollow">http://www.clusif.asso.fr/video/clusif-crochetage-poggi.avi</a></p>
<p>Sorry, it&#8217;s in french&#8230; but you can figure out the important things without it <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /></p>
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		<title>By: Morgan Storey</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124324</link>
		<dc:creator>Morgan Storey</dc:creator>
		<pubDate>Tue, 05 Aug 2008 03:53:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124324</guid>
		<description>@Gul: I agree security is wholistic, if you have all the firewalls, IDS, and server security in the world, but no lock on your server door with your server room facing the lobby you are not secure (don't laugh I have sorta seen this).</description>
		<content:encoded><![CDATA[<p>@Gul: I agree security is wholistic, if you have all the firewalls, IDS, and server security in the world, but no lock on your server door with your server room facing the lobby you are not secure (don&#8217;t laugh I have sorta seen this).</p>
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		<title>By: gul</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124312</link>
		<dc:creator>gul</dc:creator>
		<pubDate>Mon, 04 Aug 2008 14:52:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124312</guid>
		<description>Haven't found the time to read it, but it's on my todo list :)

In fact, for me, both are important, tech and social engineering skills. So you can use both to have greater and easier access to datas / services / computers / etc. And, after your pentest you can said to the tech guys : Dude, you've done well, but not enough. And, no, that's not just the secretary fault. And to the administrative people : And that was your fault too, not just some techies doing bad job.
And then, you just have to explain how to avoid further mistake to both of them, and to work with the other side (techies/administratives) to enforce security, and stop complaining about how the others are doing so big mistakes ;)

Really, security is just both aspects.

So, we have to become both Kevin and Daniel... Must add it to my todo list :p</description>
		<content:encoded><![CDATA[<p>Haven&#8217;t found the time to read it, but it&#8217;s on my todo list <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>In fact, for me, both are important, tech and social engineering skills. So you can use both to have greater and easier access to datas / services / computers / etc. And, after your pentest you can said to the tech guys : Dude, you&#8217;ve done well, but not enough. And, no, that&#8217;s not just the secretary fault. And to the administrative people : And that was your fault too, not just some techies doing bad job.<br />
And then, you just have to explain how to avoid further mistake to both of them, and to work with the other side (techies/administratives) to enforce security, and stop complaining about how the others are doing so big mistakes <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>Really, security is just both aspects.</p>
<p>So, we have to become both Kevin and Daniel&#8230; Must add it to my todo list :p</p>
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		<title>By: Navin</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124306</link>
		<dc:creator>Navin</dc:creator>
		<pubDate>Mon, 04 Aug 2008 13:53:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124306</guid>
		<description>thats a gr8 comparison (Daniel Ocean/ Kevin Mitnick).... but I'm eternally a fan of Soc Engg after tht time I read "the art of deception". In my opinion its one of those books tht you simply MUST read if you're learing about network security.

I do understand the point you're trying to make......and its true tht today, getting past an aware employee is almost (I stress on the word almost) as tough as breaking into a database....but definitely in the future, once security of databases is increased, Soc engg will be the most effective way.......Its all about the moment baby!! :) I don't think any sys admin will say, "oh great" when you hack into their servers, but when you Soc engg, and believe me, this is experience speaking, the amount of trust tht people place on you is simply amazing..... They totally trust you with stuff so intimate tht you'd prolly think to yourself... "WOW"

And then ofcourse there's tht saying, "Servers don't make mistakes, Only people do" ;)</description>
		<content:encoded><![CDATA[<p>thats a gr8 comparison (Daniel Ocean/ Kevin Mitnick)&#8230;. but I&#8217;m eternally a fan of Soc Engg after tht time I read &#8220;the art of deception&#8221;. In my opinion its one of those books tht you simply MUST read if you&#8217;re learing about network security.</p>
<p>I do understand the point you&#8217;re trying to make&#8230;&#8230;and its true tht today, getting past an aware employee is almost (I stress on the word almost) as tough as breaking into a database&#8230;.but definitely in the future, once security of databases is increased, Soc engg will be the most effective way&#8230;&#8230;.Its all about the moment baby!! <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> I don&#8217;t think any sys admin will say, &#8220;oh great&#8221; when you hack into their servers, but when you Soc engg, and believe me, this is experience speaking, the amount of trust tht people place on you is simply amazing&#8230;.. They totally trust you with stuff so intimate tht you&#8217;d prolly think to yourself&#8230; &#8220;WOW&#8221;</p>
<p>And then ofcourse there&#8217;s tht saying, &#8220;Servers don&#8217;t make mistakes, Only people do&#8221; <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /></p>
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		<title>By: gul</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124298</link>
		<dc:creator>gul</dc:creator>
		<pubDate>Mon, 04 Aug 2008 07:22:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124298</guid>
		<description>No patch for human stupidity...
True and false ;)

You can teach basis to people to improve their awareness of what they really are doing. After all, it's like with computer, since they haven't the proper security software, they roughly do what you want, not really properly. Cause while you think security is just a bunch of crap making you loosing your time and nothing else... you're half true. ut if you know what security imply, their is not problem. You can even let people know your password, for exemple the proxy one. So they can go to the internet for a day, do what ever they want, and then, you change it. Even if the trusted guy surf on illegal web site, you go to your administrator and explain him, it's not you, and he can check IP/mac addresses. But, if you don't even understand what imply a password on a proxy, you can just be doomed to hate security and screw the infosec guys.

Social engineering is the best way to get money, but I have to admit, it's funnier hack into some big company database for credit card number and used that data to get rich ;) But being Ocean(Clooney) is sexier than Kevin Mitnick... Never figured why :p</description>
		<content:encoded><![CDATA[<p>No patch for human stupidity&#8230;<br />
True and false <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>You can teach basis to people to improve their awareness of what they really are doing. After all, it&#8217;s like with computer, since they haven&#8217;t the proper security software, they roughly do what you want, not really properly. Cause while you think security is just a bunch of crap making you loosing your time and nothing else&#8230; you&#8217;re half true. ut if you know what security imply, their is not problem. You can even let people know your password, for exemple the proxy one. So they can go to the internet for a day, do what ever they want, and then, you change it. Even if the trusted guy surf on illegal web site, you go to your administrator and explain him, it&#8217;s not you, and he can check IP/mac addresses. But, if you don&#8217;t even understand what imply a password on a proxy, you can just be doomed to hate security and screw the infosec guys.</p>
<p>Social engineering is the best way to get money, but I have to admit, it&#8217;s funnier hack into some big company database for credit card number and used that data to get rich <img src='http://www.darknet.org.uk/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> But being Ocean(Clooney) is sexier than Kevin Mitnick&#8230; Never figured why :p</p>
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		<title>By: Morgan Storey</title>
		<link>http://www.darknet.org.uk/2008/07/widespread-flaws-in-online-banking-systems/#comment-124294</link>
		<dc:creator>Morgan Storey</dc:creator>
		<pubDate>Mon, 04 Aug 2008 04:44:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.darknet.org.uk/?p=931#comment-124294</guid>
		<description>@Navin: oh yeah there is no patch for human stupidity. Security is layers, social engineering cannot be 100% defeated, but it can be negated against somewhat.
There was a current affairs show here in Aus that did a test, using credit cards that wheren't theres they paid for stuff in stores, and signed names like Donald Duck and Mickey Mouse. Every time they got away with it, and it was plain as day what they had signed.
There was another one in the register where researchers tempted people with a chocolate bar for their password or personally identifiable info 80% of people handed over their info etc.
There are ways around it though of course; 
-Two factor authentication: SMS, or tokens, or even certificates. (I don't like BIO-auth)
-Distributed systems; no single repository of all your info, no single number that is you, (see social security number, or ID card). This way if one number or system is compromised not enough data falls to cause issue.</description>
		<content:encoded><![CDATA[<p>@Navin: oh yeah there is no patch for human stupidity. Security is layers, social engineering cannot be 100% defeated, but it can be negated against somewhat.<br />
There was a current affairs show here in Aus that did a test, using credit cards that wheren&#8217;t theres they paid for stuff in stores, and signed names like Donald Duck and Mickey Mouse. Every time they got away with it, and it was plain as day what they had signed.<br />
There was another one in the register where researchers tempted people with a chocolate bar for their password or personally identifiable info 80% of people handed over their info etc.<br />
There are ways around it though of course;<br />
-Two factor authentication: SMS, or tokens, or even certificates. (I don&#8217;t like BIO-auth)<br />
-Distributed systems; no single repository of all your info, no single number that is you, (see social security number, or ID card). This way if one number or system is compromised not enough data falls to cause issue.</p>
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