But they are being resisted by the banking industry, which sees no need to invest further in PIN technology, already used with debit cards, resulting in halting adoption and widespread confusion.

A small band of retailers with the clout to call the shots on their branded credit cards is leading the charge. Target Corp is moving ahead with a chip-and-PIN rollout, and Wal-Mart Stores Inc plans to do the same.

But Wal-Mart said it faces obstacles because its credit card partner, Synchrony Financial, is not yet able to handle PINs on credit cards. Synchrony declined comment.

Broadly, U.S. banks are unprepared or resisting the change.

The impasse comes after many consumers got their hands on new credit cards embedded with so-called EMV chips in advance of an Oct. 1 deadline that required retailers to accept chip cards or be liable for fraud losses. EMV stands for EuroPay, MasterCard and Visa.

But only about a third of merchants are actually using the chip technology, according to analyst estimates. The number may not pick up until early next year, if at all, because the retail industry typically halts upgrades during the crucial holiday shopping season.

“PIN issuance will remain a niche,” said Julie Conroy, credit-card analyst with Aite Group.

Banks favor using chip cards verified by old-school signatures, even though chip-and-PIN usage has led to lower fraud over the decade they have been used in Europe and elsewhere.

“The PIN is definitely a must,” said Lance James, chief scientist with cyber intelligence firm Flashpoint. “It’s one extra step that provides true two-factor authentication.”

But bankers say PINs provide little benefit beyond the advantage of using chips in combating the estimated $7 billion-plus in annual U.S. card fraud.

EMV chips thwart criminals who use stolen data to create counterfeit cards, a category that Aite estimates accounts for 37 percent of that fraud. Banks say that PINs only provide additional fraud protection when criminals seek to use lost or stolen cards, a situation that Aite estimates accounts for only 14 percent of fraud.

Banking groups say there are better approaches than PINs for verifying customers and have asked retailers to embrace tokenization and encryption to prevent theft of credit card numbers.

“PIN is a static data element that would not have a meaningful impact on overall payments fraud,” said Electronic Payments Coalition spokesman Sam Fabens.

Courtesy-http://www.thegurureview.net/aroundnet-category/confusion-continues-to-reign-with-u-s-chip-pin.html

The Sparc M7 chip was originally unveiled at last year’s Openworld show in San Francisco, and was touted at the time as a Heartbleed-prevention tool.

A year on, and Oracle announced the Oracle SuperCluster M7, along with Sparc T7 and M7 servers, at the show. The servers are all based on the 32-core, 256-thread M7 microprocessor, which offers Security in Silicon for better intrusion protection and encryption, and SQL in Silicon for improved database efficiency.

Along with built-in security, the SuperCluster M7 packs compute, networking and storage hardware with virtualisation, operating system and management software into one giant cloud infrastructure box.

Oracle CTO Larry Ellison was on hand at Openworld on Tuesday to explain why the notion of building security into the silicon is so important.

“We are not winning a lot of these cyber battles. We haven’t lost the war but we’re losing a lot of the battles. We have to rethink how we deliver technology especially as we deliver vast amounts of data to the cloud,” he told delegates.

Ellison said that Oracle’s approach to this cyber war is to take security as low down in the stack as possible.

“Database security is better than application security. You should always push security as low in the stack as possible. At the bottom of the stack is silicon. If all of your data in the database is encrypted, that’s better than having an application code that encrypts your data. If it’s in the database, every application that uses that database inherits that security,” he explained.

“Silicon security is better than OS security. Then every operating system that runs on that silicon inherits that security. And the last time I checked, even the best hackers have not figured out a way to download changes to your microprocessor. You can’t alter the silicon, that’s really tricky.”

Ellison’s big idea is to take software security features out of operating systems, VMs and even databases in some cases – because software can be changed – and instead push them into the silicon, which can’t be. He is also urging for security to be switched on as default, without an option to turn it back off again.

“The security features should always be on. We provide encryption in our databases but it can be switched off. That is a bad idea. There should be no way to turn off encryption. The idea of being able to turn on and off security features makes no sense,” he said.

Ellison referred back to a debate that took place at Oracle when it first came up with its backup system – should the firm have only encrypted backups. “We did a customer survey and customers said no, we don’t want to pay the performance penalty in some cases,” he recalled. “In that case customer choice is a bad idea. Maybe someone will forget to turn on encryption when it should have been turned on and you lose 10 million credit cards.”

The Sparc M7 is basically Oracle’s answer to this dire security situation. Ellison said that while the M7 has lots of software features built into the silicon, the most “charismatic” of these is Silicon Secured Memory, which is “deceptively simple” in how it works.

“Every time a computer program asks for memory, say you ask for 8MB of memory, we compute a key and assign this large number to that 8MB of memory,” he explained. “We take those bits and we lock that memory. We also assign that same number to the program. Every time the program accesses memory, we check that number to make sure it’s the memory you allocated earlier. That compare is done by the hardware.”

If a program tries to access memory belonging to another program, the hardware detects a mismatch and raises a signal, flagging up a possible breach or bug.

“We put always-on memory intrusion detection into the silicon. We’re always looking for Heartbleed and Venom-like violations. You cannot turn it off,” the CTO warned.

“We’ve also speeded up encryption and decompression, which is kind of related to encryption. It runs at memory speed there’s zero cost in doing that. We turn it on, you can’t turn it off, it’s on all the time. It’s all built into the M7.”

Ellison claimed that running M7-based systems will stop threats like Heartbleed and Venom in their tracks.

“The way Venom worked, the floppy disc driver concealed this code. It’s the worst kind of situation, you’re writing into memory you’re not supposed to. You’re writing computer instructions into the memory and you’ve just taken over the whole computer,” he explained. “You can steal and change data. M7 – the second we tried to write that code into memory that didn’t belong to that program, where the keys didn’t match, that would have been detected real-time and that access would have been foiled.

All well and good, except for the fact that nearly every current computer system doesn’t run off the M7 processor. Ellison claimed that even if only three or four percent of servers in the cloud an organisation is using have this feature, they will be protected as they’ll get the early warning to then deal with the issue across non-M7 systems.

“You don’t have to replace every micro processor, you just have to replace a few so you get the information real-time,” he added.

“You’ll see us making more chips based on security, to secure our cloud and to sell to people who want to secure their clouds or who want to have secure computers in their datacentre. Pushing security down into silicon is a very effective way to do that and get ahead of bad guys.”

SuperCluster M7 and Sparc M7 servers are available now. Pricing has not been disclosed but based on normal Oracle hardware costs, expect to dig deep to afford one.

Source-http://www.thegurureview.net/computing-category/oracles-new-m7-processor-has-security-on-silicon.html

Intel plans to invest up to $5.5 billion over the coming years to use its Dalan, China, facility to expand its NAND manufacturing capacity. Initial 3D NAND production is expected to commence in second-half 2016 in Dalan.

Barrons has said that with pricing pressure already present in DRAM, Intel’s move puts Micron in a state of uncertainty.

This is a little odd given that Intel and Micron are chums, but Barron’s Rajvindra Gill said that the move will reduce Chipzilla’s dependence on Micron.

More than half of output is expected to use 3D NAND in the next two to three years and Intel’s focus on the technology reduces its reliance on Micron as a supplier while transforming it into a competitor, Gill said.

Micron be the last one standing when the mergers and acquisitions the industry is seeing and be an industry also ran.

Intel’s focus on the non-volatile memory market could put the pricing and supply/demand environment under pressure.

Micron has already had difficulties setting up 3D NAND versus its peers and now has another significant challenger entering the market, Gill said.

Intel’s move to NAND places a major Micron customer at risk. While Intel noted that its relationship with Micron remains strong and that it will continue to focus on 3D Xpoint, we believe the IM Flash Agreement could be at risk.

With Intel producing more NAND on its own, it could look to lower its reliance on the joint venture.

Intel has a right to sell its portion of the joint venture to Micron. If Intel elects to do so, a closing date would be set within two years. Sales to IM Flash sales to Intel were $101 million in the third quarter, or 8 per cent of trade NAND revenue.
Courtesy-http://www.thegurureview.net/computing-category/is-intel-trying-to-destroy-micron.html

The chipmaker was the only major chip provider to optimize its architecture for Windows Phone, and Microsoft’s Lumia devices, which run on Snapdragon 808 and 810 chips.

The Windows 10 devices which come to market later this year will have the option to integrate cellular connectivity with the X12, X7 or X5 LTE modems, which support the Microsoft operating system’s native Mobile Broadband Interface Model (MBIM).

Qualcomm said this would give business users, in particular, a similar experience on their large-screened devices as on their smartphones, giving the particular examples of location-based services and security driving LTE usage on PCs and tablets.

Integrated cellular connectivity has not been so important for notebook users, outside of a few scenarios such as WiFi-less trains, most wireless access from notebooks, and even tablets, is over a WLAN.

Qualcomm makes WiFi chips for portable devices but it does not have such a big market share. Working with Microsoft means it could have a higher presence and a far better chance of delivering mass sales. The Surface Pro and its new Surface Book, is getting good reviews and might even be popular.

Courtesy-http://www.thegurureview.net/computing-category/qualcomm-goes-lte-for-microsoft.html

The company recommended deleting the apps but did not name them, which may make it hard for people to know which apps put their data at risk.

The apps in question installed their own digital certificates on a person’s Apple mobile device. It would enable the apps to terminate an encrypted connection between a device and a service and view the traffic, which is a potential security risk.

Most websites and many apps use SSL/TLS (Secure Socket Layer/Transport Security Layer), a protocol that encrypts data traffic exchanged with a user. SSL/TLS is a cornerstone of Web security, ensuring data traffic that is intercepted is unreadable.

It is possible in some cases to interfere with an encrypted connection. Many enterprises that want to analyze encrypted traffic for security reasons will use SSL proxies to terminate a session at the edge of their network and initiate a new one with their own digital certificate, allowing them to inspect traffic for malicious behavior.

In that scenario, employees would likely be more aware or expect that kind of monitoring. But people downloading something from the App Store probably would have no idea of the access granted to their sensitive data traffic.

Apple checks applications to ensure that malicious ones are not offered in its store. Those checks are in large part the reason why Apple has had fewer problems with malicious mobile applications in its store.

Installing digital certificates isn’t itself a malicious action per se, but Apple may be concerned that users are not fully aware of the consequences of allowing an app to do so.

Source-http://www.thegurureview.net/aroundnet-category/apple-removes-data-spying-apps-from-store.html

Researchers from FireEye found that the malicious component, nicknamed Kemoge, has been seeded inside what appear to be legitimate apps offered on third-party application stores.

“This is another malicious adware family, possibly written by Chinese developers or controlled by Chinese hackers, spreading on a global scale that represents a significant threat,” wrote Yulong Zhang, a staff research scientist with FireEye.

Whomever created Kemoge repackaged legitimate apps with the malware and then promoted them on websites and through in-app ads to persuade people to download them.

Zhang listed a dozed affected apps: Sex Cademy, Assistive Touch, Calculator, Kiss Browser, Smart Touch, Shareit, Privacy Lock, Easy Locker, 2048kg, Talking Tom 3, WiFi Enhancer and Light Browser.

Third-party apps stores are considered risky places to download Android apps, as hackers frequently upload malicious apps to them. Google performs a security check on apps in its Play store, although harmful ones occasionally sneak in.

Kemoge not only displays unwanted ads, but it’s also loaded with eight root exploits that target a wide range of Android devices, Zhang wrote. A successful attack using those exploits means an attacker would have complete control over the device.

Kemoge will collect a device’s IMEI (International Mobile Station Equipment Identity) and IMSI (International Mobile Subscriber Identity) numbers, information on storage and apps, and send the information to a remote server.

That command-and-control server was still running, Zhang wrote. An analysis of traffic exchanged between an infected device and the server showed Kemoge also tries to uninstall antivirus apps.

FireEye came across an app called Shareit in Google’s Play store that was signed by the same digital certificate as the malicious one found on the third-party source.

The Google Play version of ShareIt did not have the eight root exploits or contact the command-and-control server, but it did have some of the same Kemoge code libraries. It now appears to be gone from Google Play.

Source-http://www.thegurureview.net/mobile-category/kemoge-malware-menacing-android-phones.html

Google and Microsoft have reached a broad agreement on patent matters, with a legal settlement ending some 20 lawsuits between the companies in the U.S. and Germany. Financial terms weren’t disclosed, but the deal brings a laundry list of lawsuits to a close.

“Microsoft and Google are pleased to announce an agreement on patent issues,” they said in a joint statement. “As part of the agreement, the companies will dismiss all pending patent infringement litigation between them, including cases related to Motorola Mobility.”

They also agreed to collaborate on patent matters and work together “to benefit our customers.”

The suits that have been settled include those related to mobile phones, video encoding and Wi-Fi technologies. That doesn’t mean Microsoft has given up its campaign to collect royalties from Android device makers for the mobile operating system’s alleged infringement of Microsoft patents.

It’s not clear from the statement what patent matters the companies will be working on together in the future, but changes have already begun. The two companies agreed earlier this month to work together (alongside other firms like Netflix and Mozilla) on a royalty-free video codec.

It remains to be seen if the settlement will lead to more work between Microsoft and Google in other areas. A major sticking point for consumers has been the lack of a Google-made YouTube app for smartphones and tablets running Windows.

Source-http://www.thegurureview.net/aroundnet-category/microsoft-google-cease-fire-in-global-patent-deal.html