Scammers scrape RAM for bank card data
Malware sidesteps encryption
Forget keyloggers and packet sniffers. In the wake of industry rules requiring credit card data to be encrypted, malware that siphons clear-text information from computer memory is all the rage among scammers, security researchers say.
So-called RAM scrapers scour the random access memory of POS, or point-of-sale, terminals, where PINs and other credit card data must be stored in the clear so it can be processed. When valuable information passes through, it is uploaded to servers controlled by credit card thieves.
While RAM scrapers have been around for a few years, they are a "fairly new" threat, according to a report released Wednesday that outlines the 15 most common attacks encountered by security experts at Verizon Business. They come in the wake of Payment Card Industry rules that require credit card data to be encrypted as it passes from merchants to the processing houses.
"They are definitely a response to some of the external trends that have been going on in the cybercrime environment," says Wade Baker, research and intelligence principal for Verizon Business. "Within a year, we've seen quite a few of them in the wild."
Verizon employees recently found the malware on the POS server of an unnamed resort and casino that had an unusually high number of customers who had suffered credit card fraud. The malware was sophisticated enough to log only payment card data rather than dumping the entire contents of memory. That was crucial to ensuring the malware didn't create server slowdowns that would tip off administrators.
The RAM scraper dumped the data onto the server's hard drive. The perpetrators visited at regular intervals through a backdoor on the machine to collect the booty.
RAM scrapers played a role in four percent of the 592 breaches Verizon Business investigated over a four year period starting in 2004. By contrast, keyloggers and spyware (which comprise a single category) and backdoors factored into 19 percent and 18 percent of the cases respectively.
Jason Milletary, a researcher with SecureWorks' Counter Threat Unit, said he's also seen an uptick in RAM scrapers over the past few years.
"Typically, these are specialized malware used in more targeted attacks," he says. "Often times, they are customized to to work with specific vendors' point-of-sale systems, so they understand how the data is formatted and stored."
As such, they are rarely detected by anti-virus programs, he and Verizon's Baker say. Tell-tale signs they've been installed include the presence of strange rdump files and perl scripts on a hard drive, sudden changes in free disk space and the monitoring of registries and system processes.
The Verizon report is available here. ®
the clue is in the name
"These machines aren't easy to come by, unless you're a retailer I assume, so to get the RAM scraper onto the machine in the first place must indicate an extremely poor level of security to begin with?"
These are "Point of Sale" machines - so any point of sale has one, and it can be accessed by the poor minimum-wage schmuck who has to do the nightshift at the filling station, burger bar, or whatever. And there's no-one more bribable than a minimum-wagew schmuck - so yes, points of sale do tend to have very poor levels of security. Which is why you should pay cash when you visit them.
It's quicker too...
If you have the acronym "POS" and Windows in the same paragraph you should make it clrear that "POS" stands here for point of service. Otherwise, people will assume that it stand for something else!
I'm so looking forward
to seeing how effectively the ID card reader avoids all these problems.
Possibly by being so expensive that only the dole office will have one.