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I was thinking of opening an Amazon affiliate account soon.
However, when looking up how well kept the privacy is with these links, it's pretty strange how I find very little to no information.
If anybody here knows how Amazon affiliate links work, could you tell me if it'd be possible to decrypt the affiliate links (or through some other means) somehow and access account information?
If someone really wanted to, would they be able to get any information about me through my Amazon affiliate links?
Thank you.
Well, firstly you should use an Amazon Business account for this, so you would already have your data separated out from truly private information.
But the core of this question is if Amazon is going to expose or fail to secure your data. I personally don't feel that Amazon is going to be the weak point in securing your personal information.
From just a user perspective without malicious intent, you really don't get any information about the affiliate link you're using.
With a storefront, you give out some more information, but still only what you choose and no addresses or phone numbers, or any PII like that.
As a Developer, I don't know of nor could I find any endpoints that would let me look at other affiliates' information, and I am sure there are none
I am working in PHP on a Linux server with MySQL.
I have a requirement (that I have attempted to talk them out of) to collect credit card information from users so that our company can use the card numbers to hold hotel rooms for a conference. We will not be charging the cards ourselves at all, but instead just sending them to the hotel. I then need to be able to download a CSV file and each time someone signs up an email to go to the admin with all the information.
I tried to explain that this wasn't secure, but several other developers have done this for them in the past before I was working here.
My question is; is there anyway to make this secure? If not are there any third party options to make this happen?
EDIT:
I appreciate everyone who has posted so far, it has simply made me want to attempt to do this less and less. If you could add to your answers simple explanations, oriented at non-tech people, it would be greatly appreciated, in fact site source and links would help me a great deal. I haven't found any sites that would explain this in a non-tech way.
First of, I am not a lawyer. I have implemented CC-handling code several times previously, but I am only familiar with Danish laws and regulations, so your mileage may vary.
As far as I know, there are restrictions in place (law and regulations from the CC providers) that you need to be aware of. I don't know where you are in the world, but in many countries you need to be PCI certified to handle credit card data and that is an extremely onerous, expensive and on-going process.
Other countries, or states, may have notification rules in play that requires you to pay the cost of notifying the card holder if security is broken - and unless you are very careful, it is not unlikely.
In general, I would recommend against that procedure. You may risk being liable for any costs if it goes wrong.
It's really a bad idea to be storing card details. You're opening yourself up for a world of pain in the form of PCI-DSS audits. It is not as simple as 'use encryption', you need to have processes in place to securely manage the encryption keys, schedule key rotation, securely log access and so on and on... Storing card details is absolutely something you want to avoid.
If you have to have something in place, then the best option may be for you (as a company) to take payments from the credit cards to your own merchant account, then pay the hotels separately (from your bank account/whatever). You act as a proxy for the client making the payment to the hotel.
Most payment gateways allow you to store the card details securely, and charge at a later date (using a token id returned by the gateway), which will likely be useful here. But you wont be able to retrieve the card details to pass them through to the hotel in any way, which is why you would need to take payment, then organise a separate payment to the hotel.
Its still quite an undertaking though because a lot of areas of PCI-DSS will come into play even with this simplified solution.
You asked, so here is more information:
PCI-DSS is the Payment Card Industry Data Security Standard. It's a set of guidelines which basically apply to any company that 'touches' cardholder data, in particular the card number. Touching it literally means any handling of the data, even just having it pass through your network without it ever being persisted to disk is enough to mandate that you must comply, (though it is significantly easier if you don't persist the details to disk)
You didn't yet state which part of the world you're in, or how these card details are captured (internet/telephone/in person). These details are significant to how you can achieve compliance.
Start by taking a look at the PCI-DSS SAQ (Self Assessment Questionnaires). These SAQ's are the minimum requirements for companies that do not store cardholder details to disk, and should give a good impression of the security that needs to be in place across the network and policies that should be applied across the company.
As I said, if you're thinking of storing card details then things get more complicated, because as a general rule the SAQ is no longer good enough. You need to enrol the assistance of a QSA (Qualified Security Assessor) who will visit and advise on best practice for data storage and the various other points that come into play. For this level of compliance you're looking at yearly audits (carried out by the QSA), and quarterly network scans. Take a look at the audit procedures to get a detailed look at what is involved. In particular take a look at section 3 and do not underestimate the difficulty of implementing proper key management.
In summary, full PCI compliance will be very costly. Even for a company which already has pretty strong security policies the cost of bringing in a QSA and running quarterly scans and yearly audits alone will likely cost $thousands.
This is very insecure and I think you're correct for opposing it. That said...
Some ideas:
Can the hotel give you a rate/group code that you can disseminate to your users directly? Perhaps you could even give them a link that goes right to the hotel's reservation page, with the code already filled in.
Don't even think about implementing this unless you can do it on an SSL-enabled site.
Don't save the CC number anywhere,
just generate the email and toss the
number out. This alleviates you from having to worry about a ton of very difficult application / server security issues.
Encrypt the email with GPG or
equivalent so that it's protected in
transit and can only be read by the intended recipient.
I suggest you follow the Card Industry PCI compliance closely at least. Here is a PDF document.
As someone who has worked on a system like this, it is 100% illegal to store any credit card information in plain text. You must encrypt all of the data and you are not allowed to know any piece of the keys. It is quite the catch 22, the only way to validate data is to guess as sad as that sounds. This is the exact reason why accidental charges occur.
As others have said here, it's a fact that storing credit card information requires you to be certified. You can ask for information to process the transaction but keeping it on storage of any kind is a big no-no.
Fortunately sites like authorize.net, braintree.com, paypal.com, etc will let you interact with their APIs in such a way that you get a "Customer Vault ID" for each entity you'd like to make transactions for.
These 3rd parties store all the sensitive information in a 100% legit way. And whenever you would like to make a transaction using their saved information, you interact with the service using their "Vault ID".
I've used authorize.net, BrainTree and PayPal. Most recently it was BrainTree and had some good success with them. I would not recommend PayPal unless you need the brand recognition or you just want to do a direct transfer whereby you bypass asking them for account information of any kind (because they already entered it in PayPal).
Make sure your server is as secure as possible and prove that it isn't already compromised. None of this will really work well if you have a compromised server.
Use SSL to protect this information during transit.
Encrypt these details immediately upon receipt. This will help protect it at rest. If possible, encrypt it with a public key for a key pair where the private key (used for decryption) is not on your server. This could easily be that you place this information into the body of the email that you're required to send, then encrypt the body with public-key encryption where your client has the private key. (You could use PGP here). In this way, the data is help on your server as briefly as possible, then once off your server, is accessible only by your client. If you use a symmetric encryption algorithm, then your key will necessarily also be on your server somewhere (on disk, in memory, etc.), which could be obtained and used by an attacker to regain access to the details.
This isn't an endorsement, per se, but I have used this before in similar situations with good results: http://www.pgp.com/products/commandline/
Remember that there are always security holes, but you'll be raising a large barrier against attacks with these steps. I might also add that you look into a system integrity solution like Trip Wire from the immediate build of your server. And of course, ensure that all of your passwords are strong.
If you send the file via email, be sure to use secured connexions (HTTPS / IMAP or POP3 over SSL, SMTP over SSL) on both sending and receiving computers and have the file encrypted prior sending. You can encrypt your mail and attachment via OpenPGP, too. Also, ensure the security between the two mail servers (sending and receiving), or simply use the same domain for sending and receiving email addresses. Do not use the password-feature of a ZIP file or related comrpessing container, since they are usually cryptographically weak.
If you send it on a filesystem (ie. USB pendrive), be sure to use a crypted one (ie. TrueCrypt).
Be sure to have a secured computer where the download and upload takes part (encrypted partition where the download/upload takes place, no spywares on the system, passworded system, firewalled).
We've talked about personal password management here but how do you guys manage your passwords at a company wide level?
I thought I'd report back after my week of searching...
I've settled on PassPack I've been using it for a few days now for my personal passwords and I'm a total fanboy.
They use the Host-Proof Hosting pattern so the only one that can access your stuff is you and if you forget your password they can't help you.
They have some nice Offline apps written with Adobe AIR and Google Gears.
But, best of all, they fit my "enterprise" requirement because an upcoming release will support sharing within a trusted group.
Plus, I learned about The "Blog" of "Unnecessary" Quotation Marks in their forum.
We have managed to plan our company applications so they are mainly web based and open source or in-house developed. This then allowed us to use LDAP to hook into active directory for logging into our intranet. From there we modified the logins into various products we use (MediaWiki, Wordpress, SugarCRM etc.) so that if the user is authenticated in the intranet, they are automatically logged into these other products as well.
This has taken some time setting up the process and creating a script to set all the appropriate user details in each system when someone joins the company, however now we have a situation where everyone only has to remember one password, removing the need for managing a growing list of passwords.
Obviously this may not be viable in many companies, but now that we have it setup it was worth the effort.
We use Password Agent: http://www.moonsoftware.com/pwagent.asp
It stores everything from PC admin logins to website logins and product keys for products we all use.
We use Active Directory to store user credentials, and developed custom library for Desktop and Web
We are using KeePass application with success.
We create file per project and/or per business domain.
We share the password to appropriate KeePass file between people who should have access.
It's not the best solution. We also have Cyber-Ark software installed corporate-wide, but due to some strange configuration rules it does not work for us as good as the previous solution. It might be also related to the fact that we have an old version.
We maintain an in-house Lotus Notes database that stores absolutely everything from passwords to server change records. It is big, cumbersome, takes an age to load, and is generally not, uh, nice.
No, this is not a sane way to do it. :-|
Obviously I'm biased because I work there, but we use Enterprise Random Password Manager from Lieberman Software. Yes, we do actually dogfood our own tool in our own network. It has some nice features, like web accessibility with delegation, scheduled operation with retry, propagation to other things using accounts (services, COM+ apps, etc.), system/account discovery, Linux/Unix account management, etc.
I'm sure a salesperson could give a better pitch, but that I am not. I'd encourage you to check it out. :)
For passwords related to my work, I store them in a plain unencrypted passwords.txt file in my user storage area on the main company file server. Normally, other people in the company can't read files in my user storage area, so there is little risk of exposure. However, if something were to happen to me, then all my passwords for company related activities would be trivially available to others inside the company - just ask MIS.
This is a very different security model than what I use for my personal passwords, of course.
Just a heads up: Microsoft have a product managing credentials/passwords/identity across varied systems: Identity Lifecycle Manager
Secret Server is something that grew from an internal need (within our software company) to a viable product that is now used all over the world. It is web-based and allows you to store passwords and then securely share them with other users and groups (even AD users and groups). It is also able to actively reach out and change passwords on automatic schedules, even handling associated dependencies such as Windows Services for service accounts.
Enterprise Password Management (free 30 day trial).
Use Apache Directory Server, which is an LDAP-standard implementation.
You can manage the directory database using Apache Directory Studio so it's quite user friendly (or at least, admin-friendly).
Then you can hook the directory programmatically to any application that requires access to the credentials, LDAP client libraries are widely available on popular programming platforms such as Java, C++, PHP, Ruby, etc.
My business friend adviced me to check out Passwork (https://passwork.me). They use self-hosted version on own servers, i found out that Passwork also has SaaS.
So i and my colleagues store our company passwords in Passwork.
We had tried another enterprise pw managers before but weren't able to trust them.
We had a look at a product that had these features:
Can give access privleges to password using roles.
Handles delegation.
Logs access to passwords.
Can Randomize passwords.
Can automatically re-randomize a password X days after access to it.
Unfortunately, I can't couldn't it's name when I posted this... It was "Secret Server"
Currently, I'm in the process of hiring a web developer who will be working on a site that processes credit cards. While he won't have the credentials to log into the payment gateway's UI he will have access to the API login and transaction key since it's embedded in the application's code.
I'd like to be aware of all the "what if" scenarios pertaining to the type of damage one could do with that information. Obviously, he can process credit cards but the money goes into the site owner's bank account so I'm not sure how much damage that could cause. Can anyone think of any other possible scenarios?
UPDATE: The payment gateway being used is Authorize.net.
Do they really need access to your production sites?
Don't store the key in your code, store it in your production database, or on a file on the production server.
Some good answers here, I'll just add that you'd probably have some trouble with PCI.
PCI-DSS specifically dictates separation of duties, isolation of production environments from dev/test, protection of encryption keys from anyone who does not require it, and more.
As #Matthew Watson said, rethink this, and dont grant production access to developers.
As an aside, if he can access the API directly, how do you ensure that "the money goes into the site owner's bank account"? Not to mention access to all that credit card data...
If the developer gets access to the raw credit card numbers that can become a bigger problem as your site can be associated with fraudulent activity, assuming the developer is a bad apple. (They could redirect account numbers, CCV, expiration date to another site, though this should be spottable through network tools and a comprehensive code review.)
Does the API perform the "$1.00" charge (or "$X.XX") to verify that a credit card can be charged a certain amount (and thus returning the result to the caller, such as "yes" or "no")? If so, it could be used to automate the validation of credit card account numbers traded on the Internet and abuse of such a system could lead back to you.
With any gateway I have worked with, the payment processor ties the API key to the specific IP or IP range of the site of the merchant. With that said, unless the malicious(?) code in question is executed on the same server as the merchant - there shouldn't be any security concerns in that regard.
If this is not the case for your merchant site - contact them and ask if this is feasible.
Does the payment gateway allow for reversal of charges? If so there is the possibility of a number of scams being run.
Does the site process refunds? Will it ever in the future?
If we're talking about nefarious uses, then the site owner might be investigated if lots of unauthorized purchases are made. How would that affect you if the owner is investigated?
From your description it seems that this developer will have access to the customer cards detail in which case the customers privacy may be compromised. You might consider wording the contract appropriately to make sure that this angle is covered.
However the main point is that if you're working on a sensitive project/information it's better for you to find people you could trust. Hiring a software house to do the job may save you some sleep later on.
First and foremost, it is best that you never store this type of information in plain text. Usually people take this as second-hand knowledge for credit card numbers (Sadly, only because of legal reasons), but any sort of private data that you don't want others with database/source-code access viewing should be encrypted. You should store the account information somewhere in a well encrypted format, and you should provide a test account for your developers to use on their development workstations. This way, only people with server access are able to see even the encrypted information.
This way, you can have a database on the developer's workstation with the test account's API information stored (hopefully encrypted) in it's local database, but when the code is mirrored onto the production server it will still use the live, real gateway information stored on the production server's database without extra code/configuration.
With this said, I don't think that a programmer with API authentication details can do too much. Either way, it's not worth the risk - in my opinion.
Hope this help.
PS: If something bad does end up happening, you can always generate a new key in the web interface on authorize.net after you've taken the precautions to make sure it wont happen again.
In the specific case of Authorize.Net they would not be able to do credits towards their own credit cards since Authorize.Net only allows this to be done on transactions performed through them within the last six months. The only exception being allowed if you are granted an exception for unlinked refunds. If you have signed the proper paperwork for this and someone has your API login and transaction key then can then process credits towards their own credit cards. The only way for you to catch this would be to monitor your statements carefully.
To help mitigate this you should change your transaction key immediately upon completion of the work they perform for you. That would render the key they have useless after 24 hours.
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This question talks about different payment processors and what they cost, but I'm looking for the answer to what do I need to do if I want to accept credit card payments?
Assume I need to store credit card numbers for customers, so that the obvious solution of relying on the credit card processor to do the heavy lifting is not available.
PCI Data Security, which is apparently the standard for storing credit card info, has a bunch of general requirements, but how does one implement them?
And what about the vendors, like Visa, who have their own best practices?
Do I need to have keyfob access to the machine? What about physically protecting it from hackers in the building? Or even what if someone got their hands on the backup files with the sql server data files on it?
What about backups? Are there other physical copies of that data around?
Tip: If you get a merchant account, you should negotiate that they charge you "interchange-plus" instead of tiered pricing. With tiered pricing, they will charge you different rates based on what type of Visa/MC is used -- ie. they charge you more for cards with big rewards attached to them. Interchange plus billing means you only pay the processor what Visa/MC charges them, plus a flat fee. (Amex and Discover charge their own rates directly to merchants, so this doesn't apply to those cards. You'll find Amex rates to be in the 3% range and Discover could be as low as 1%. Visa/MC is in the 2% range). This service is supposed to do the negotiation for you (I haven't used it, this is not an ad, and I'm not affiliated with the website, but this service is greatly needed.)
This blog post gives a complete rundown of handling credit cards (specifically for the UK).
Perhaps I phrased the question wrong, but I'm looking for tips like these:
Use SecurID or eToken to add an additional password layer to the physical box.
Make sure the box is in a room with a physical lock or keycode combination.
I went through this process not to long ago with a company I worked for and I plan on going through it again soon with my own business. If you have some network technical knowledge, it really isn't that bad. Otherwise you will be better off using Paypal or another type of service.
The process starts by getting a merchant account setup and tied to your bank account. You may want to check with your bank, because a lot of major banks provide merchant services. You may be able to get deals, because you are already a customer of theirs, but if not, then you can shop around. If you plan on accepting Discover or American Express, those will be separate, because they provide the merchant services for their cards, no getting around this. There are other special cases also. This is an application process, be prepared.
Next you will want to purchase an SSL certificate that you can use for securing your communications for when the credit card info is transmitted over public networks. There are plenty of vendors, but my rule of thumb is to pick one that is a brand name in a way. The better they are known, the better your customer has probably heard of them.
Next you will want to find a payment gateway to use with your site. Although this can be optional depending on how big you are, but majority of the time it won't be. You will need one. The payment gateway vendors provide a way to talk to the Internet Gateway API that you will communicate with. Most vendors provide HTTP or TCP/IP communication with their API. They will process the credit card information on your behalf. Two vendors are Authorize.Net and PayFlow Pro. The link I provide below has some more information on other vendors.
Now what? For starters there are guidelines on what your application has to adhere to for transmitting the transactions. During the process of getting everything setup, someone will look at your site or application and make sure you are adhering to the guidelines, like using SSL and that you have terms of use and policy documentation on what the information the user is giving you is used for. Don't steal this from another site. Come up with your own, hire a lawyer if you need to. Most of these things fall under the PCI Data Security link Michael provided in his question.
If you plan on storing the credit card numbers, then you better be prepared to put some security measures in place internally to protect the info. Make sure the server the information is stored on is only accessible to members who need to have access. Like any good security, you do things in layers. The more layers you put in place the better. If you want you can use key fob type security, like SecureID or eToken to protect the room the server is in. If you can't afford the key fob route, then use the two key method. Allow a person who has access to the room to sign out a key, which goes along with a key they already carry. They will need both keys to access the room. Next you protect the communication to the server with policies. My policy is that the only thing communicating to it over the network is the application and that information is encrypted. The server should not be accessible in any other form. For backups, I use truecrypt to encrypt the volumes the backups will be saved to. Anytime the data is removed or stored somewhere else, then again you use truecrypt to encrypt the volume the data is on. Basically where ever the data is, it needs to be encrypted. Make sure all processes for getting at the data carries auditing trails. use logs for access to the server room, use cameras if you can, etc... Another measure is to encrypt the credit card information in the database. This makes sure that the data can only be viewed in your application where you can enforce who sees the information.
I use pfsense for my firewall. I run it off a compact flash card and have two servers setup. One is for fail over for redundancy.
I found this blog post by Rick Strahl which helped tremendously to understand doing e-commerce and what it takes to accept credit cards through a web application.
Well, this turned out to be a long answer. I hope these tips help.
Ask yourself the following question: why do you want to store credit card numbers in the first place? Chances are that you don't. In fact, if you do store them and manage to have one stolen, you could be looking at some serious liability.
I've written an app that does store credit card numbers (since the transactions were processed offline). Here's a good way to do it:
Get an SSL certificate!
Create a form to get CC# from the user.
Encrypt part (not all!) of the CC# and store it in your database. (I'd suggest the middle 8 digits.) Use a strong encryption method and a secret key.
Mail the remainder of the CC# to whoever processes your transactions (probably yourself) with the ID of the person to process.
When you log in later, you will type in the ID and the mailed-out portion of the CC#. Your system can decrypt the other portion and recombine to get the full number so you can process the transaction.
Finally, delete the online record. My paranoid solution was to overwrite the record with random data before deletion, to remove the possibility of an undelete.
This sounds like a lot of work, but by never recording a complete CC# anywhere, you make it extremely hard for a hacker to find anything of value on your webserver. Trust me, it's worth the peace of mind.
The PCI 1.2 document just came out. It gives a process for how to implement PCI compliance along with the requirements. You can find the full doc here:
https://www.pcisecuritystandards.org/security_standards/pci_dss.shtml
Long story short, create a separate network segment for whichever servers will be dedicated to storing CC info (usually DB server(s)). Isolate the data as much as possible, and ensure only the minimum access necessary to access the data is present. Encrypt it when you store it. Never store PAN's. Purge old data and rotate your encryption keys.
Example Don'ts :
Don't let the same account that can lookup general info in the database look up CC info.
Don't keep your CC database on the same physical server as your web server.
Don't allow external (Internet) traffic into your CC database network segment.
Example Dos:
Use a separate Database account to query CC info.
Disallow all but required traffic to CC database server via firewall/access-lists
Restrict access to CC server to a limited set of authorized users.
I'd like to add a non-technical comment that you may wish to think about
Several of my clients run e-commerce sites, including a couple who have moderately large stores. Both of those, whilst they certainly could implement a payment gateway choose not too, they take the cc number, store it temporarily encrypted online and process it manually.
They do this because of the high incidence of fraud and manual processing allows them to take additional checks before filling an order. I'm told that they reject a little over 20% of all their transactions - processing manually certainly takes extra time and in one case they have an employee who does nothing but process transactions, but the cost of paying his salary is apparently less than their exposure if they just passed cc numbers though an online gateway.
Both of these clients are delivering physical goods with resale value, so are particularly exposed and for items like software where a fraudulent sale wouldn't result in any actual loss your mileage would vary, but it's worth considering above the technical aspects of an online gateway if implementing such is really what you want.
EDIT: And since creating this answer I'd like to add a cautionary tale and say that the time is past when this was a good idea.
Why? Because I know of another contact who was taking a similar approach. The card details were stored encrypted, the website was accessed by SSL, and the numbers were deleted immediately after processing. Secure you think?
No - one machine on their network got infected by a key logging Trojan. As a result they were identified as being the source for several score credit card forgeries - and were consequently hit by a large fine.
As a result of this I now never advise anyone to handle credit cards themselves. Payment gateways have since become much more competitive and cost effective, and fraud measures have improved. The risk is now no longer worth it.
I could delete this answer, but I think best to leave up edited as a cautionary tale.
Keep in mind that using SSL to send a card number from a browser to a server is like covering your credit card number with your thumb when you hand your card to a cashier in a restaurant: your thumb (SSL) prevents other customers in the restaurant (the Net) from seeing the card, but once the card is in the hands of the cashier (a web server) the card is no longer protected by the SSL exchange, and the cashier could be doing anything with that card. Access to a saved card number can only be stopped by the security on the web server. Ie, most card thefts on the net aren't done during transmission, they're done by breaking through poor server security and stealing databases.
Why bother with PCI compliance?? At best you'll shave a fraction of a percent off your processing fees. This is one of those cases where you gotta be sure this is what you want to be doing with your time both upfront in development and over time in keeping up with the latest requirements.
In our case, it made the most sense to use a subscription-savy gateway and pair that with a merchant account. The subscription-savy gateway allows you to skip all the PCI compliance and do nothing more than process the transaction proper.
We use TrustCommerce as our gateway and are happy with their service/pricing. They have code for a bunch of languages that makes integration pretty easy.
Be sure to get a handle on the extra work and budget required for PCI. PCI may require huge external audit fees and internal effort/support. Also be aware of the fines/penalties that can be unilaterally levied on you, often hugely disproportionate to the scale of the 'ofense'.
There's a lot to the whole process. The single easiest way to do it is to use services similar to paypal, so that you never actually handle any credit card data. Apart from that, there's a quite a bit of stuff to go through to get approved to offer credit card services on your website. You should probably talk with your bank, and the people who issue your merchant ID to help you in setting up the process.
As others have mentioned the easiest way into this area is with the use of Paypal, Google checkout or Nochex. However if you intend to to a significant amount of business you may wish to look up "upgrading" to higher level site integrations services such as WorldPay, NetBanx (UK) or Neteller (US). All of these services are reasonably easy to set up. And I know that Netbanx offers convenient integration into some of the off the shelf shopping cart solutions such as Intershop (because I wrote some of them). Beyond that you are looking at direct integration with the banking systems (and their APAX systems) but thats hard and at that point you also need to prove to the Credit card companies that you are handling the credit card numbers securely (probably not worth considering if you are not taking $100k's worth per month).
Working from 1st to last the cost/benefits are that the early options are much easier (quicker/cheaper) to set up put you pay quite high handling charges for each transaction. the later ones are much more costly to set up but you pay less in the long run.
The other advantage of the most of the non dedicated solutions is that you don't need to keep encrypted credit card numbers secure. Thats someone else's problem :-)