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Seminar: Designing Robust Defenses for Modern Payment Systems


Nolen Scaife

Ph.D. Candidate, University of Florida

Thursday, January 31
9:00am - 10:15am
310 Kelly Hall


Credit, debit, and prepaid cards have dominated the payment landscape for decades, empowering the economy. Unfortunately, these legacy systems were not designed for today's adversarial environment, and deployment of new technologies is slow, expensive, and difficult to adopt. In this talk, I discuss new ways of identifying and protecting against real threats to existing payment systems.  First, we will explore the types of skimmers and how they acquire sensitive card data. We will then examine a use case, gas pumps, where skimming remains prevalent and how the tools available to consumers for detecting these devices also fail.  After characterizing real skimmers, we use their properties to design the Skim Reaper, the first external skimmer detection system.  Finally, successful attacks allow counterfeit cards to be created; I will demonstrate how the most common way to make these cards introduces artifacts that can also be detected. By using attackers' own technology against them, these attacks can effectively and inexpensively be reduced.  


Nolen Scaife is a PhD candidate at the University of Florida in the Florida Institute for Cybersecurity (FICS) Research.  His primary research interests are payment systems security and network security with a focus on real-world impact.  He has co-founded two startups, CryptoDrop and Skim Reaper, from his research.  Nolen has over ten years of industry security experience in multiple sectors including telecommunications and retailing.