#include <windows.h>
#include <iostream>
#include <string>
static BOOL CALLBACK enumWindowCallback(HWND hwnd, LPARAM lparam) {
int length = GetWindowTextLength(hwnd);
TCHAR* buffer = new TCHAR[length + 1];
GetWindowText(hwnd, buffer, length + 1);
std::wstring windowTitle(buffer);
if (length != 0) {
std::wcout << hwnd << ": " << windowTitle << std::endl;
}
return TRUE;
}<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<sst xmlns="http://schemas.openxmlformats.org/spreadsheetml/2006/main" count="1" uniqueCount="1"><si><t>проверка</t></si></sst>
The invention of the EMV chip was one of the most significant developments in secure payment card technology. While payment cards had previously relied on the magnetic stripe (magstripe) to store information, fraudsters had been cracking this technology and cloning victims’ cards for years. To prevent fraudsters from placing illicit purchases with cloned payment cards, EMV chips encrypt the payment card data and the CVV (called iCVV for EMV-enabled cards). A new encryption key (also called a token or cryptogram) is generated upon each purchase for Card Present (CP) transactions. This token is generated by the interaction between the EMV chip and the card reader and applies only to that single transaction. Since the token cannot be repeated for an additional transaction, stealing it does not allow cybercriminals to place fraudulent transactions with a cloned EMV-enabled card. There is currently no compelling evidence that any cybercriminals have discovered a method of cloning this technology. EMV chips transformed the underground payment card economy, shifting most illicit markets towards Card Not Present (CNP) records; merchant compliance with regulations mandating EMV chip transactions correlate strongly with the presence of CP fraud in any given country.
However, new research indicates that there are other ways to bypass EMV technology and monetize these supposedly secure cards. An in-depth report by Cyber R&D Lab detailed a method of acquiring enough data through compromised EMV transactions to clone a payment card. This method leverages information from one technology (EMV chips) and converts it into another less-secure technology (magstripe), which allows fraudsters to rely on their familiar cloning techniques. Gemini will refer to this technique as EMV-Bypass Cloning.