Visa Security Alert Threat Landscape: Pin Pad/POS Skimming

June 3, 2016

Incident Details

Visa Global Payment System Risk is aware of increasing incidents involving suspects placing skimming devices on point-of–sale (POS) terminals for the purpose of collecting payment card information, including PIN numbers. Perpetrators use this information to create counterfeit cards re-encoded with the stolen card information and make unauthorized ATM withdrawals. The primary targets for these recent skimming events are self-checkout terminals in supermarkets. However, any POS terminal may be at risk, including those that are often unattended, such as terminals near deli counters, coffee stands, etc. The perpetrators are mobile and will target multiple stores within a geographic area for a period of time before moving on to a new location. Most entities targeted are using payment devices that have not yet been upgraded to accept EMV cards.

Placement of Skimming Devices

Skimming devices can be placed at any time of the day but placement usually occurs during slower times of business when the perpetrators can go undetected by employees or other customers. The perpetrators will usually work in teams of two or more with one person being a lookout, one person placing the skimming device on the POS terminal and another creating a barrier so that no one can observe the skimming device being placed. Perpetrators have been known to use large items such as packs of paper towels to block the view of POS terminals. In some instances, it was reported that the suspects created a distraction in the store by faking a medical incident or causing commotion that distracted the attention of store personnel away from the POS terminals. The skimming devices will mimic the look of the front of the POS terminal.

Recommended Inspection & Response Actions

1. Prevention Through Device Inventory Management

  • In accordance with PCI DSS Requirement 9.9, ensure implementation of security controls to protect POS devices from tampering and substitution. Examples include:

Maintain a list of devices including the device serial number or other method of unique identification. 

Keep a list of device location either by store or physical location within the store itself (i.e., self-checkout, deli counter, manned checkout). 

Train personnel to be aware of suspicious behavior and to report tampering or substitution of devices.

 Verify the identity of any third-party persons claiming to be repair or maintenance personnel, prior to granting them access to modify or troubleshoot devices.  

2. Physical Inspection of POS Devices

  • Implement security procedures to inspect POS devices at least twice each day and at random times.
  • Physically examine the device. Skimming devices are typically attached with minimal adhesive allowing them to be place and removed with ease, so devices may be detected by giving the front of the POS/PED a good grab-and-pull. Weighing the devices may also identify tampering.
  • Please note some skimming devices are Bluetooth enabled and data can be captured without the device needing to be recovered.
  • When inspecting devices, use backup security personnel to monitor from a distance as suspects may watch compromised terminals and suspects are trained in counter surveillance to avoid detection/arrest.

3. Device Recovery Response

  • If a skimming device is discovered on a POS terminal, do not handle it, as evidence may be damaged.
  • Notify local law enforcement and the FBI or USSS office so they can recover the skimming device.
  • Protect any video surveillance that may be used to identify any perpetrators and confirm timing of when the device was placed on the POS terminal.
  • Initiate incident response procedures and notify your Acquirer so that Visa can assist with the investigation.

 

Information from VISA April 2016

For other questions, please contact Cyber Intelligence & Investigations via email at USFraudControl@visa.com

Additional Resources:

What To Do If Compromised

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Support for older versions of Internet Explorer Ended

May 31, 2016

What is end of support?

Beginning January 12, 2016, only the most current version of Internet Explorer available for a supported operating system will receive technical support and security updates. Internet Explorer 11 is the last version of Internet Explorer, and will continue to receive security updates, compatibility fixes, and technical support on Windows 7, Windows 8.1, and Windows 10.

Internet Explorer 11 offers improved security, increased performance, better backward compatibility, and support for the web standards that power today’s websites and services. Microsoft encourages customers to upgrade and stay up-to-date on the latest browser for a faster, more secure browsing experience.

What does this mean?

It means you should take action. After January 12, 2016, Microsoft will no longer provide security updates or technical support for older versions of Internet Explorer. Security updates patch vulnerabilities that may be exploited by malware, helping to keep users and their data safer. Regular security updates help protect computers from malicious attacks, so upgrading and staying current is important.


Potential risk of using older versions of Internet Explorer:

Security

Without critical browser security updates, your PC may become vulnerable to harmful viruses, spyware, and other malicious software which can steal or damage your business data and information.

Compliance

Businesses that are governed by regulatory obligations such as HIPAA should conduct due diligence to assess whether they are still able to satisfy compliance requirements using unsupported software.

Lack of ISV Support

Many Independent Software Vendors(ISVs) no longer support older versions of Internet Explorer. For example, Office 365 takes advantage of modern web standards and runs best with the latest browser.

Click here to read more

 


MAKING PEOPLE SMILE in Seattle

March 28, 2016

A Chevron gas station in Seattle uses its sign to entertain customers, rather than inform.
March 28, 2016

​SEATTLE – Usually signs are in the business of letting potential—and current—customers know about sales, special events and other information related to the company. Most convenience stores use outdoor signage to highlight specials and products, but the Wallingford Chevron gasoline station and convenience store has taken a different tack: humor.

For more than a decade, this station’s sign has posted amusing sayings to the delight of customers and residents. The genesis of the humorous postings is traced back to when the owners replaced an auto repair shop with a convenience store. To get the word out about the change, the owners hit on the idea of entertaining signage, the News Republic reports.

Popular messages include:

  • Ban pre-shredded cheese—make America grate again.
  • If attacked by a mob of clowns, go for the juggler.
  • When it’s raining cats & dogs, don’t step in a poodle.
  • A clear conscience is the sign of a fuzzy memory.
  • Hold the door open for a clown. It’s a nice jester.
  • Ever stop to think and forget to start again?
  • The past, present & future walk into a bar. It was tense.
  • I child-proofed my house but the kids still get in.
  • If pride comes before a fall, humility should come by winter.
  • I checked into the hokey-pokey clinic & I turned myself around.

The station has a dedicated Facebook page for the Wallingford Sign with photos of its most popular ones.

Full article found here:

NACS online


PROPOSED SNAP RULE COULD MAKE C-STORES INELIGIBLE

March 10, 2016

NACS reaches out to Capitol Hill to protest changes around definition of staple foods.

March 10, 2016

​ALEXANDRIA, Va. – This week NACS told policymakers about industry concerns with a proposed rule published by the U.S. Department of Agriculture that includes problematic new eligibility standards for retailers participating in the Supplemental Nutrition Assistance Program (SNAP).

“The proposed [SNAP] rule would make tens of thousands of small businesses ineligible to participate in the Program. Small businesses will be harmed and SNAP beneficiaries, who rely on these small stores in both urban and rural environments, will lose options they need to feed their families,” wrote NACS in a letter to the chairman and ranking member of the House Appropriations Subcommittee on Agriculture, Rural Development, Food and Drug Administration and Related Agencies, and the chairman and ranking member of the House Agriculture Committee.

As previously reported by NACS, on February 17, the U.S. Department of Agriculture’s Food & Nutrition Service (FNS) published a proposed rule altering eligibility requirements for retailers participating in SNAP. While the proposal codifies the 2014 Farm Bill provisions, which NACS supported, it also makes other changes to retailer eligibility requirements that Congress never intended to address in the 2014 Farm Bill. The proposal would impede neighborhood retailers’ ability to participate in the program, which in turn would hinder food accessibility for SNAP recipients that use their benefits at these small format retail locations.

“It appears that FNS is trying to push small retailers out of the SNAP program altogether, for no sound public policy reason,” NACS wrote to Congress, adding that Food, Nutrition and Consumer Services Undersecretary Kevin Concannon recently testified before the House Appropriations Committee that there are more small stores participating in SNAP “than we really need.”

The USDA’s SNAP proposal codifies the 2014 Farm Bill “depth of stock” provisions, which require retailers to stock 7 varieties of products in each of the four “staple food” categories. Problematically, the proposal also includes several changes that were neither required nor envisioned by the 2014 Farm Bill.

The proposal redefines the term “staple foods” and limits the items that may count as staple foods for depth of stock determinations. Under the proposal, multiple ingredient items (e.g. soups or frozen dinners) would not count towards depth of stock requirements. The proposal also expands the definition of “accessory foods” to include foods consumed between meals, like snacks (e.g. hummus and pretzel packs).

Because accessory and multiple ingredient foods may not be counted as staple foods for depth of stock determinations—the proposal essentially narrows the universe of acceptable foods that a retailer can stock to participate in SNAP, ultimately raising the stocking numbers beyond the numbers established by Congress.

Next week in Washington during the NACS Government Relations Conference, industry stakeholders will be communicating to members of Congress and their staffs that convenience stores play a fundamental role in SNAP, particularly for low-income Americans who live in rural or urban environments. By making it increasingly difficult for small format retailers to participate in SNAP, the proposal would essentially punish SNAP beneficiaries by requiring them to travel outside of their local neighborhoods where larger format retailers may not exist.

A memorandum analyzing the proposal is available online exclusively for NACS members.


Profit Comes from Healthier Options in C-Stores

February 22, 2016

KWIK TRIP RECOGNIZED FOR PROVIDING HEALTHIER OPTIONS

By June 2017, Kwik Trip will offer an expanded stock of healthier options and increase better-for-you choices in the checkout area.
February 22, 2016

​LA CROSSE, Wisc. – The Partnership for a Healthier America (PHA), which works with the private sector and its Honorary Chair First Lady Michelle Obama to make healthier choices easier, is recognizing Kwik Trip as the first convenience store to complete its commitment to expand healthier options across its stores.

“With more consumers expecting to find fresh and healthy items on the go, the convenience store industry is in the midst of a momentous shift, one that Kwik Trip has been leading for several years now,” said PHA CEO Lawrence A. Soler. “Just a few years ago it was unusual to see fresh fruit in many convenience stores, but today, Kwik Trip sells 400 pounds of bananas per store per day. In fact, after making a commitment to PHA, Kwik Trip’s bulk produce sales grew 5.5% in 2015.”

Since first teaming up with PHA in 2014, Kwik Trip has fulfilled its initial commitment to PHA by:

  • Introducing at least four categories of fresh fruits and four categories of fresh vegetables across its stores;
  • Expanding its whole grain rich offerings to at least six products; and
  • Implementing a Healthy Concessions Program in local schools.

In addition, through its EatSmart program, designed to encourage healthier options, Kwik Trip is the first convenience store to offer a PHA-approved combo meal.

“Kwik Trip has made many advancements over the past two years to make healthier choices more convenient and accessible for our guests,” said Erica Flint, registered dietitian for Kwik Trip. “We have enjoyed working with PHA and receiving the positive feedback from guests on the programs we have implemented. We are eager to continue our partnership with PHA and get to work on our expanded commitments.”

Building upon these efforts as a part of its new commitment to PHA, by June 2017 Kwik Trip will offer an expanded stock of healthier options, including healthier packaged foods like nuts and granola bars throughout the store, and will increase healthier options in the checkout area. In addition, Kwik Trip will continue to encourage more consumers to drink water more often through its support of PHA’s Drink Up initiative.

From Sheetz on the East Coast to Kwik Trip in the Midwest to Loop stores in California, convenience stores have taken note of consumer demand for healthier options. Recognized as innovators in the foodservice industry, these stores and others, including U-Gas and Twice Daily, have teamed up with the Partnership for a Healthier America (PHA) to offer healthier options like fresh-cut fruits and vegetables, nonfat and low-fat dairy products and whole grain items; and they’re promoting those healthier products through marketing efforts in the store and at the pump.

And through the NACS reFresh initiative, convenience retailers are discovering new ideas that enhance their operations and communication efforts to showcase the industry’s positive business practices with the public, media and policymakers. Partnerships with groups such as PHA that share similar values are fostering best practices and making a difference.

http://www.nacsonline.com/Media/Daily/Pages/ND0222161.aspx#.VstUyPkrLRY

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backOffice™ Software from Insight Retail Software will handle your c-Store healthier options beautifully! Do Better with InsightRS.

 


Happy New Year!

January 1, 2013

2013 back office software


backOffice™ V3 Released!

September 18, 2012

Take a sneak peek at backOffice™ V3

This 3-Part Series of Demonstration Videos provides a nice overview of backOffice™ Features. 

Part 1

Part 2

Part 3


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