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Chip And Skim: Cloning EMV Cards With The Pre-Play Attack

Chip And Skim: Cloning EMV Cards With The Pre-Play Attack
Posted Sep 12, 2012
Authored by Steven J. Murdoch, Mike Bond, Sergei Skorobogatov, Ross Anderson, Omar Choudary

EMV, also known as "Chip and PIN", is the leading system for card payments world- wide. It is used throughout Europe and much of Asia, and is starting to be introduced in North America too. Payment cards contain a chip so they can execute an authentication protocol. This protocol requires point-of-sale (POS) terminals or ATMs to generate a nonce, called the unpredictable number, for each transaction to ensure it is fresh. The authors have discovered that some EMV implementers have merely used counters, timestamps or home-grown algorithms to supply this number. This exposes them to a "pre-play" attack which is indistinguishable from card cloning from the standpoint of the logs available to the card-issuing bank, and can be carried out even if it is impossible to clone a card physically (in the sense of extracting the key material and loading it into another card).

tags | paper, protocol
MD5 | 9597dd2abb79b467e1abbf05c6ea46f9

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