Security Engineering. Ross Anderson

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      1 A bank's operations rest on a core bookkeeping system. This keeps customer account master files plus a number of journals that record incoming and outgoing transactions. The main threat here is the bank's own staff; about one percent of bank branch staff are fired each year, mostly for petty dishonesty (the average theft is only a few thousand dollars). The traditional defence comes from bookkeeping procedures that have evolved over centuries. For example, each debit against one account must be matched by a credit against another; so money can only be moved within a bank, never created or destroyed. In addition, large transfers typically need two people to authorize them. There are also alarms that look for unusual volumes or patterns of transactions, and staff are required to take regular vacations with no access to the bank's systems.

      2 One public face is the bank's automatic teller machines. Authenticating transactions based on a customer's card and personal identification number – so as to defend against both outside and inside attack – is harder than it looks! There have been many epidemics of ‘phantom withdrawals’ in various countries when local villains (or bank staff) have found and exploited loopholes in the system. Automatic teller machines are also interesting as they were the first large-scale commercial use of cryptography, and they helped establish a number of crypto standards. The mechanisms developed for ATMs have been extended to point-of-sale terminals in shops, where card payments have largely displaced cash; and they've been adapted for other applications such as prepayment utility meters.

      3 Another public face is the bank's website and mobile phone app. Most customers now do their routine business, such as bill payments and transfers between savings and checking accounts, online rather than at a branch. Bank websites have come under heavy attack since 2005 from phishing – where customers are invited to enter their passwords at bogus websites. The standard security mechanisms designed in the 1990s turned out to be less effective once criminals started attacking the customers rather than the bank, so many banks now send you a text message with an authentication code. The crooks' reaction is to go to a phone shop, pretend to be you, and buy a new phone that takes over your phone number. This arms race poses many fascinating security engineering problems mixing elements from authentication, usability, psychology, operations and economics.

      4 Behind the scenes are high-value messaging systems, used to move large sums between banks; to trade in securities; to issue letters of credit and guarantees; and so on. An attack on such a system is the dream of the high-tech criminal – and we hear that the government of North Korea has stolen many millions by attacks on banks. The defence is a mixture of bookkeeping controls, access controls, and cryptography.

      5 The bank's branches may seem large, solid and prosperous, reassuring customers that their money is safe. But the stone facade is theatre rather than reality. If you walk in with a gun, the tellers will give you all the cash you can see; and if you break in at night, you can cut into the safe in minutes with an abrasive wheel. The effective controls center on alarm systems, which are connected to a security company's control center, whose staff check things out by video and call the police if they have to. Cryptography is used to prevent a robber manipulating the communications and making the alarm appear to say ‘all's well’ when it isn't.

      1 Military communications drove the development of cryptography, going right back to ancient Egypt and Mesopotamia. But it is often not enough to just encipher messages: an enemy who sees traffic encrypted with somebody else's keys may simply locate and attack the transmitter. Low-probability-of-intercept (LPI) radio links are one answer; they use tricks that are now adopted in everyday communications such as Bluetooth.

      2 Starting in the 1940s, governments spent a lot of money on electronic warfare systems. The arms race of trying to jam enemy radars while preventing the enemy from jamming yours has led to many sophisticated deception tricks, countermeasures, and counter-countermeasures – with a depth, subtlety and range of strategies that are still not found elsewhere. Spoofing and service-denial attacks were a reality there long before blackmailers started targeting the websites of bankers, bookmakers and gamers.

      3 Military organisations need to hold some information close, such as intelligence sources and plans for future operations. These are typically labeled ‘Top Secret’ and handled on separate systems; they may be further restricted in compartments, СКАЧАТЬ