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Re: Encryption (Citi appears to store only last 4 digits of credit cards)

 

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Re: Encryption (Citi appears to store only last 4 digits of credit cards) Bob Wang 05-03-2006
Posted by Bob Wang on May 3, 2006, 4:35 pm
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Citi only stores the last 4 digits of your credit card number in Quicken
2006 Premier H&B, at least, from what I can tell.
Even if a hacker cracked your online ID and password, the web site only
displays the last 4 digits as well.

As Notan pointed out, Citi cards also let you create virtual account
numbers.

All my other credit cards store the full account number in Quicken 2006
Premier H&B.

Bob

My credit card number was recently compromised, probably through an on-line
merchant, although there is no way of knowing. I've suffered no loss and of
course the bank has changed my number. The whole affair has forced me to
think about security much more seriously however.

I maintain Quicken 2005 on my main desktop machine and run it in parallel on
my laptop. The files contain my credit card number. I think they must if
statement downloads are to work properly. If physical access to either of
these machines is obtained by a thief those accounts are compromised; I
wouldn't be surprised to find my social security number somewhere in the
machines also. The laptop is of course more vulnerable to theft or loss.

What to do? How secure is Quicken file encryption? If it's like WORD or
EXCEL there are easily available password crackers which open encrypted
files, sometimes in a matter of minutes.

Good wishes to all. Advice & information will be gratefully received.

formerprof




Posted by bjn on May 6, 2006, 8:54 am
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wrote:

>The basic premise that I hold is that real security stops when the thief
>can physically get a hold of the machine. Not 100% true but mostly true.

Well, how "true" that is depends upon what level of security you need.

For example, 256-bit AES encryption is used by the US Government for Top
Secret messages, yet those messages do not always remain in the physical
possession of the US Gov.

True, nothing is ever 100% secure (even if you retain physical security of
your PC) but your assertion is a bit exaggerated.

Since the free, open-source TrueCrypt product (mentioned earlier by me and
someone else) has 256-bit AES encryption ability, there's really little
reason not to use that level of encryption.

btw, Apple's OS-X uses 128-bit AES for its built-in file and drive
encryption.

One thing about Windows NTFS encryption - only the exact user account that
created the files can access them. If you delete your user account, and
recreate the account with the exactly same username, you will not be able
to see your encrypted files because your new account was not the exact
account that created them. Think about this when you think about wipe and
restore of hard disks.....

Posted by bjn on May 6, 2006, 12:47 pm
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wrote:

>bjn wrote:
>> On Wed, 03 May 2006 15:32:11 -0700, Andrew DeFaria
>>
>>> The basic premise that I hold is that real security stops when the
>>> thief can physically get a hold of the machine. Not 100% true but
>>> mostly true.
>> Well, how "true" that is depends upon what level of security you need.
>By and large and for all intents and purposes here for a simply home
>user with Quicken - it's true.

Too many disclaimers in that sentence for it to be of any use.

>> For example, 256-bit AES encryption is used by the US Government for
>> Top Secret messages, yet those messages do not always remain in the
>> physical possession of the US Gov.
>This is not the NSA, we're not talking spies here ya know.

Correct, we were not taling about spies, we were talking about computer
security. I was merely illustrating how your comment was an exaggeration.
Since you agreed with me that you exaggerated, ....


>> True, nothing is ever 100% secure (even if you retain physical
>> security of your PC) but your assertion is a bit exaggerated.
>Exactly

So we agree that you exaggerated.


>> Since the free, open-source TrueCrypt product (mentioned earlier by me
>> and someone else) has 256-bit AES encryption ability, there's really
>> little reason not to use that level of encryption.
>Actually there's really little reason to use it considering the chances
>of it being needed. Then again I've always found it extremely difficult
>to reason with paranoid people because if there's one tiny iota of a
>chance they will constantly argue without. It's like trying to explain
>to advid lottery players that they odds are really slim....

Security is always a balance of how much do you need vs. how much trouble
you have to go through to obtain it. Some of the security products are
surprisingly easy to set up and use, and do not get in the way of your
routines.

Your attempt to divert the discussion to paranoia merely illustrates how
little you know about the topic.


>> btw, Apple's OS-X uses 128-bit AES for its built-in file and drive
>> encryption.
>Whop T Do!

It was just a little side commentary. It's a shame your ego seems to get
in the way of your message all the time.

>> One thing about Windows NTFS encryption - only the exact user account
>> that created the files can access them. If you delete your user
>> account, and recreate the account with the exactly same username, you
>> will not be able to see your encrypted files because your new account
>> was not the exact account that created them.
>That's why you back things up.

Backups may not help in this area. Unless, of course, you back up
unencrypted copies. That, then, opens up another possible security hole.


>> Think about this when you think about wipe and restore of hard disks.....
>Quite frankly, I don't think in terms of wiping and restoring hard disks...


That's ashame. Even Microsoft is telling Windows users that the only way
to eliminate some spyware is to erase and reformat the disk. Do you really
think you should take such a lackadaisical approach to others' data?


Posted by Antoine Mitchell on May 6, 2006, 6:33 pm
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>Not my fault you can't deal in such logic - many of us can. Let me make
>it simpler for you - most Quicken users don't need the high level of
>security that you suggest.

I agree that 256-bit AES is overkill for somebody securing their Quicken data
file. Some
form of encryption, however, is a very good idea to minimize the chance that the
data
gets accessed by somebody you don't want to access it.

If you're using Quicken on a laptop, and the laptop gets stolen, it's trivial
for
somebody to open up your data file and know pretty much everything about your
financial
situation. If you keep your personal data on an encrypted drive (i.e. using
TrueCrypt),
it's basically impossible for anybody to access that data without your
passphrase.
Putting the data on an encrypted drive is easy to do, but massively increases
the
security of the data.

>I know a lot about the topic. Again, for most Quicken users, they don't
>need that much security as the likelihood of actually using it is quite
>small. It's that balance thing and in the home, for Quicken it is
>definitely not requiring of NSA strength security.

I agree. I wouldn't argue that military-grade security needs to be used. I
would,
however, argue that some form of encryption be used to protect the data. But if
you're
going to use encryption, why not use strong encryption? It's not any harder to
do.


Posted by Antoine Mitchell on May 7, 2006, 10:56 am
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>Yes I agree. But as I have been trying to point out to you, for this
>job, not much is required and the standard Windows tools are often more
>than enough. If you have military grade paranoia well then go for it dude!

See the post by HASM in this thread. The concerns with EFS aren't relating to
its level
of security - they relate to the fact that the encryption is tied to your
Windows login.
If your Windows user account gets hosed or you need to access the encrypted
files from a
different system, you're out of luck.

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