pen-test February 2010 archive
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pen-test: Re: SMS Banking

Re: SMS Banking

From: Markus Matiaschek <mmatiaschek_at_nospam>
Date: Fri Feb 05 2010 - 22:08:09 GMT
To: "M.D.Mufambisi" <>


I'd just like to make some comments, i didn't think about a solution for your problem.

First of all i think that my Budi wibowo got something wrong regarding who is sending the PIN.

Second, GSM is cracked: and can be intercepted and decrypted. You should take this into account.

Third i think the only farely safe way to make money transfers is with transaction numbers, TANs. German banks send mobileTANs to preregistered cell phone numbers to allow a transaction (through online banking though).
A "three-way-handshake" with a mTAN should pretty much prevent transactions through spoofed numbers.

Markus Matiaschek
Absolute IT Consulting S.A.
San Josť, Costa Rica

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