Madrock

I have been recently working inside one of the larger Banks in Australia.
Through this work I have been looking at the controls and mechanisms surrounding the processing of credit and debit cards around the Asia Pacific.

I get perform many security architecture and payment systems assessments.
Over the years I have always considered the protection of the card data as one of the key considerations.

Until yesterday I had never seen an CVV or PVV decryption tools. I think some scripted use of these tools could be very interesting.
The site hziggurat29.com

Many of the other tools on this site are also very unique and worth a look.
Big thanks to ziggurat29 for providing such awesome tools.

As many of these sites are of this nature are difficult to find and often seem to vanish over the years, I have chosen to replicate the the text from this page and provide local copies on the files.
It is worth periodically visiting the ziggurat29 site every now and again to see if any additional tools have been posted.

One of the more extraordinary files is the Atalla Hardware Security Module (HSM)  and BogoAtalla for Linksys emulation (simulation) tools. So I wonder if Eracom and Thales are shaking in their boots. Some how I don’t think so. ;-)

——– ziggurat29 Text ———

These are all Windows command-line utilities (except where noted); execute with the -help option
to determine usage.

DUKPT Decrypt (<- the actual file to download)

This is a utility that will decrypt Encrypted PIN Blocks that have been produced via the DUKPT triple-DES method.  I used this for testing the output of some PIN Pad software I had created, but is also handy for other debugging purposes.

VISA PVV Calculator (<- the actual
file to download)

This is a utility that will compute and verify PIN Verification Values that have been produced using the VISA PVV technique.  It has a bunch of auxiliary functions, such as verifying and fixing a PAN (Luhn computations), creating and encrypting PIN blocks, decrypting and extracting PINs from encrypted PIN blocks, etc.

VISA CVV Calculator (<- the actual file to download)

This is a utility that will compute Card Verification Values that have been produced using the VISA CVV technique.  MasterCard CVC uses the CVV algorithm, so it will work for that as well.  It will compute CVV, CVV2, CVV3, iCVV, CAVV, since these are just variations on service code and the
format of the expiration date.  Verification is simply comparing the computed value with what you have received, so there is no explicit verification function.

Atalla AKB Calculator (<- the actual file to download)

This is a utility that will both generate and decrypt Atalla AKB cryptograms.  You will need the plaintext MFK to perform these operations.  When decrypting, the MAC will also be checked and the results shown.

BogoAtalla (<- the actual file to
download)

This is an Atalla emulator (or simulator).  This software emulation (simulation) of the well-known Atalla Hardware Security Module (HSM) that is used by banks and processors for cryptographic operations, such as verifying/translating PIN blocks, authorising transactions by verifying
CVV/CSC numbers, and performing key exchange procedures, was produced for testing purposes.  This implementation is not of the complete HP Atalla command set, but rather the just
portions that I myself needed.  That being said, it is complete enough if you are performing acquiring and/or issuing processing functions, and are using more modern schemes such as Visa PVV and DUKPT, and need to do generation, verification, and translation.

This runs as a listening socket server and handles the native Atalla command set.  I have taken some liberties with the error return values and have not striven for high-fidelity there (i.e., you may get a different error response from native hardware), but definitely should get identical positive
responses.  Some features implemented here would normally require purchasing premium commands, but all commands here implemented are available.  Examples are generating PVV values and encrypting/decrypting plaintext PIN values.

BogoAtalla for Linksys (<- the actual file to download)

This is the Atalla emulator ported to Linux and build for installation on an OpenWRT system.  Makes for a really cheap ($60 USD) development/test device.

Local Files

bogoatalla002
atallaakbcalc
bogoatalla_10-1_mipsel
dukptdecrypt
visacvvcalc
visapvvcalc

I have been astounded by the take-up by card holders and the push from the major banks in Australia, for customer to embrace the VISA Debit card instead of the traditional Credit Card.

This, although advantageous to the banks, provides a much higher risk to the card holder, especially if the card is used online or in a location where the card could be skimmed.

The problem and the advantage of the VISA Debit card is that it allows access to your savings account funds via a VISA transaction.

This sounds great in theory, as there is no need to transfer money from your savings account to periodically pay off the credit card.

The problem exists where the VISA debit card is skimmed or stolen and money is withdrawn from the card. These funds are taken directly from the card holder savings account and not credit, therefore this increases the risk to the card holder not being able to pay bills/mortgage/loans/etc.

In the traditional credit world, if the credit card was skimmed or stolen, the dept remains the responsibility and risk of the bank, until the fraudulent transaction is investigated.

With the VISA Debit Card this risk is placed upon the card holder, who is often convinced to get one of these cards through good television marketing, when opening a new account or establishing an off-set loan, with no idea of the associated risks.

I don’t like the increased risks associated with these cards not being explained adequately to the card holders so the card holder can make an educated decision as to where he/she uses the card (internet, phone, periodic utility payments, ISP charges, etc.)p>

This risk assumes that the card holder does not rely on credit only to live and does not have any savings to withdraw, but the banks may not give you a debit card anyway if this is the case.