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Is Your Online Bank Really
Secure?
Zoltan Szalai / eBanking Solution Manager
April 3, 2013
Szalai_Gemalto
Gemalto for You
3
ONE THIRD OF THE WORLD’S POPULATION USE OUR SOLUTIONS EVERYDAY
BANKS & RETAIL
TELECOM
TRANSPORT
GOVERNMENT
ENTERPRISE
eBanking Security
About Gemalto
Over €2 BILLION in Revenue in 2012
€250+ MILLION Software and Value Added Services
BILLION Intelligent Cards Produced and
Personalized on a Yearly Basis
14 R&D Centers
1,400 Scientists
15 Production Sites
28 Presonalization Centers
74 Sales & Marketing Offices
10,000+ Employees
100 Nationalities
43 Countries
Gemalto eBanking
The acquisition of Xiring and Todos
positioned Gemalto as the leader in the
eBanking World.
200+ CUSTOMER BANKS
70 MILLION DEVICES
124 EMPLOYEES
4 eBanking Security
Gemalto’s Position
eBanking Security, March 28, 2013
5
2013 MAGIC QUADRANT FOR STRONG AUTHENTICATION FROM GARTNER
Gemalto eBanking References 200+
BANKS
6 eBanking Security
Local References
7 eBanking Security
100,000 SMS OTP
5,000 Tokens
300,000 SMS OTP
1,500 Tokens
Local Partner
Best eBanking Partner of Gemalto in 2012
Local References (Extended to Russia)
8 eBanking Security
Банк ВТБ
Райффайзен Банк
Возрождение Банк
Московский Индустриальный
Банк
Other Banks:
• Russian Agricultural Bank
• LipetsCombank
• Bank Primorie
• Surgutneftegasprom Bank
Frauds & Mitigation
9 eBanking Security
Attacks are Evolving
eBANKING FRAUD IS GETTING MORE AND MORE SOPHISTICATED
WHALING
ID THEFT
KEY/SCREEN
LOGGING
PHARMING
PHISHING
MAN-IN-
THE-MIDDLE
MAN-IN-
THE-BROWSER
SHOULDER
SURFING
SOCIAL
ENGINEERING
CROSS CHANNEL
ATTACKS
CONTRACTUAL
FRAUD
RELAY
ATTACK
10 eBanking Security
Phishing Attack
are familiar with phishing
Low to very low knowledge of other attacks Source: RSA Online Fraud Report
11 eBanking Security
Man-in-the-Middle Attack
Victim
Bank Server
Malware Waits for
Transaction!!!
12 eBanking Security
Man-in-the-Browser Attack
Website Seen
by the Customer
Website Seen
by the Bank
Malware Changes
Transaction Details!!!
Malware Inside the Browser
13 eBanking Security
Attacks and Mitigation
TRANSACTION
VERIFICATION
CONTEXTUAL
SIGNING
STATIC
PASSWORDS
TRANSACTION
DATA SIGNING
ONE TIME
PASSWORDS
CHALLENGE /
RESPONSE
WHALING
ID THEFT
KEY/SCREEN
LOGGING
PHARMING
PHISHING
MAN-IN-
THE-MIDDLE
MAN-IN-
THE-BROWSER
SHOULDER
SURFING
SOCIAL
ENGINEERING
CROSS CHANNEL
ATTACKS
CONTRACTUAL
FRAUD
RELAY
ATTACK
USER-FRIENDLY MITIGATION OF ALL CURRENT AND FUTURE THREATS
14 eBanking Security
eFrauds in the Region
15 eBanking Security
Local Situation
Cybercrime in Russia: Trends and issues presentation by ESET and Group-IB at CARO in 2011
16 eBanking Security
Ezio Solution
18 eBanking Security
Gemalto Ezio Suite
Ezio Suite is the market’s most versatile
and easy-to-implement
eBanking security solution with a proven
track-record of 100+ large-scale roll-outs.
STRONG E-BANKING AUTHENTICATION ARCHITECTED FOR CHOICE
200+
BANKS
ONE
SERVER
MULTIPLE
CHANNELS
ALL EZIO
DEVICES
WORK IN
PARALLEL
STANDARD
COMPLIANT
INCL. OATH,
CAP/EMV, PKI
70m
DELIVERED
DEVICES
Token-
Agnostic
Appliance
Delivery
19 eBanking Security
Introduction to Ezio Server
A Pre-hardened All-in-one Box Appliance
Providing Multi-factor Authentication
Field-proven Solution
R&D and Produced in Singapore
20 eBanking Security
Advantages of Ezio Server
Multi-million User Deployment
Token Agnostic
Authentication Brokering
Multi-token Support per User
End-to-end Encryption of Passwords
21 eBanking Security
Ezio Devices
EZIO SHIELD PRO
EZIO EDGE
EZIO CLUB
EZIO THIN
EZIO SERVER EZIO TOOLKIT
EZIO onCARD PAD
EZIO LAVA EZIO PICO
EZIO
PC USB-TR
EZIO PKI CARD EZIO CLASSIC CLIENT
EZIO bySMS EZIO MOBILE SDK EZIO MOBILE TOKEN
EZIO onCARD
EZIO SHIELD TALK
EZIO
PLUG & SIGN
22 eBanking Security
Thank You!
Zoltan Szalai / eBanking Solution Manager
April 3, 2013

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Szalai_Gemalto

  • 1. Is Your Online Bank Really Secure? Zoltan Szalai / eBanking Solution Manager April 3, 2013
  • 3. Gemalto for You 3 ONE THIRD OF THE WORLD’S POPULATION USE OUR SOLUTIONS EVERYDAY BANKS & RETAIL TELECOM TRANSPORT GOVERNMENT ENTERPRISE eBanking Security
  • 4. About Gemalto Over €2 BILLION in Revenue in 2012 €250+ MILLION Software and Value Added Services BILLION Intelligent Cards Produced and Personalized on a Yearly Basis 14 R&D Centers 1,400 Scientists 15 Production Sites 28 Presonalization Centers 74 Sales & Marketing Offices 10,000+ Employees 100 Nationalities 43 Countries Gemalto eBanking The acquisition of Xiring and Todos positioned Gemalto as the leader in the eBanking World. 200+ CUSTOMER BANKS 70 MILLION DEVICES 124 EMPLOYEES 4 eBanking Security
  • 5. Gemalto’s Position eBanking Security, March 28, 2013 5 2013 MAGIC QUADRANT FOR STRONG AUTHENTICATION FROM GARTNER
  • 6. Gemalto eBanking References 200+ BANKS 6 eBanking Security
  • 7. Local References 7 eBanking Security 100,000 SMS OTP 5,000 Tokens 300,000 SMS OTP 1,500 Tokens Local Partner Best eBanking Partner of Gemalto in 2012
  • 8. Local References (Extended to Russia) 8 eBanking Security Банк ВТБ Райффайзен Банк Возрождение Банк Московский Индустриальный Банк Other Banks: • Russian Agricultural Bank • LipetsCombank • Bank Primorie • Surgutneftegasprom Bank
  • 9. Frauds & Mitigation 9 eBanking Security
  • 10. Attacks are Evolving eBANKING FRAUD IS GETTING MORE AND MORE SOPHISTICATED WHALING ID THEFT KEY/SCREEN LOGGING PHARMING PHISHING MAN-IN- THE-MIDDLE MAN-IN- THE-BROWSER SHOULDER SURFING SOCIAL ENGINEERING CROSS CHANNEL ATTACKS CONTRACTUAL FRAUD RELAY ATTACK 10 eBanking Security
  • 11. Phishing Attack are familiar with phishing Low to very low knowledge of other attacks Source: RSA Online Fraud Report 11 eBanking Security
  • 12. Man-in-the-Middle Attack Victim Bank Server Malware Waits for Transaction!!! 12 eBanking Security
  • 13. Man-in-the-Browser Attack Website Seen by the Customer Website Seen by the Bank Malware Changes Transaction Details!!! Malware Inside the Browser 13 eBanking Security
  • 14. Attacks and Mitigation TRANSACTION VERIFICATION CONTEXTUAL SIGNING STATIC PASSWORDS TRANSACTION DATA SIGNING ONE TIME PASSWORDS CHALLENGE / RESPONSE WHALING ID THEFT KEY/SCREEN LOGGING PHARMING PHISHING MAN-IN- THE-MIDDLE MAN-IN- THE-BROWSER SHOULDER SURFING SOCIAL ENGINEERING CROSS CHANNEL ATTACKS CONTRACTUAL FRAUD RELAY ATTACK USER-FRIENDLY MITIGATION OF ALL CURRENT AND FUTURE THREATS 14 eBanking Security
  • 15. eFrauds in the Region 15 eBanking Security
  • 16. Local Situation Cybercrime in Russia: Trends and issues presentation by ESET and Group-IB at CARO in 2011 16 eBanking Security
  • 18. Gemalto Ezio Suite Ezio Suite is the market’s most versatile and easy-to-implement eBanking security solution with a proven track-record of 100+ large-scale roll-outs. STRONG E-BANKING AUTHENTICATION ARCHITECTED FOR CHOICE 200+ BANKS ONE SERVER MULTIPLE CHANNELS ALL EZIO DEVICES WORK IN PARALLEL STANDARD COMPLIANT INCL. OATH, CAP/EMV, PKI 70m DELIVERED DEVICES Token- Agnostic Appliance Delivery 19 eBanking Security
  • 19. Introduction to Ezio Server A Pre-hardened All-in-one Box Appliance Providing Multi-factor Authentication Field-proven Solution R&D and Produced in Singapore 20 eBanking Security
  • 20. Advantages of Ezio Server Multi-million User Deployment Token Agnostic Authentication Brokering Multi-token Support per User End-to-end Encryption of Passwords 21 eBanking Security
  • 21. Ezio Devices EZIO SHIELD PRO EZIO EDGE EZIO CLUB EZIO THIN EZIO SERVER EZIO TOOLKIT EZIO onCARD PAD EZIO LAVA EZIO PICO EZIO PC USB-TR EZIO PKI CARD EZIO CLASSIC CLIENT EZIO bySMS EZIO MOBILE SDK EZIO MOBILE TOKEN EZIO onCARD EZIO SHIELD TALK EZIO PLUG & SIGN 22 eBanking Security
  • 22. Thank You! Zoltan Szalai / eBanking Solution Manager April 3, 2013