Альфа-Банк (Alfa-Bank) (Android / Google Play)

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This application is available for Android. This app is designed to make transfers from card to card payment systems Visa and MasterCard banks in Russia. The latest build was released on July 9, 2017. Our latest check was performed on Apr 18th, 2017.

Findings Summary

Our examination revealed total 26 items, where were 7 DAR items and 19 DIT items found. Among DAR items were found 0 worst items, 5 bad items, 1 good item, and 1 best item. Among DIT items were found 4 worst items, 0 bad items, 15 good items, and 0 best items.

Below you find 4 infographics summarizing what we described above. Each image provides information about both DAR and DIT items.

 

 

 

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Everything presented below is related to well-known CWEs, such as Sensitive data leakage [CWE-200], Unsafe sensitive data storage [CWE-312], Unsafe sensitive data transmission [CWE-319]. You can read more about it here.

Now let’s go deeper and examine each data item’s protection level.

 

Application Description

Let’s cite the description of this application below:

Альфа-Мобайл — банк, который открыт для вас круглосуточно и в любую погоду! Все платежи и переводы у вас под рукой.
Управляйте своими деньгами online:

  • Следите за балансом и расходами, доступными лимитами платежей и переводов в реальном времени.
  • Просматривайте историю всех ваших операций.
  • Оплачивайте мобильную связь, интернет, ЖКУ, штрафы ГИБДД легко! Теперь Альфа-Мобайл запоминает ваши регулярные платежи.
  • Открывайте депозиты, накопительные и валютные счета.
  • Мгновенно переводите деньги другим клиентам Альфа-Банка по номеру телефона, ФИО или номеру счета.
  • Отправляйте деньги клиентам других банков по номеру карты или реквизитам.
  • Досрочно гасите кредит: частично или даже полностью. Без похода в отделение.
  • Погашайте кредиты других банков по номеру договора.
  • Узнайте куда уходят ваши деньги в разделе «Мои финансы».
  • Блокируйте или разблокируйте карту в любой точке мира.
  • Перепривязывайте карту к рублевому или валютному счету.
  • Меняйте пин-код карты сколько хотите!
  • Найдите на карте ближайшее отделение или банкомат.

Есть вопросы? Задайте их прямо в приложении через чат!
Если вы знаете, как сделать Альфа-Мобайл лучше, пишите нам на supportmobile@alfabank.ru!
АО «Альфа-Банк». Генеральная лицензия Банка России на осуществление банковских операций №1326 от 16.01.2015.

 

Protection levels.

Locally stored data (Data-at-Rest, DAR).

Locally stored data groups include Credentials Information, Application Information, Account Information, Analytics ‘n’ Ads Information, Loyalty Information, Log Information.
The average DAR value is 4.29 points (7.00 points of system protection and 1.57 points of own protection). It is higher than a typical value (3.5 points, where’s 7 points of system protection and 0 points of own protection).

Items’ GROUP #1 with average value 3.50 points (7 points of system protection, 0 points of own protection) means data protection levels have following definitions. Frankly talking, extra data found that shouldn’t be accessed where system protection level means – root/jailbreak is required but not possible without wiping device data, and own protection level means – stored as is.

– Screen Snapshots (‘Credentials Information’ Group) – Screenshots of your device screen running certain apps; common as an iOS app multitasking feature (app swipes) or browser tab swipes. This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Application Configs (‘Application Information’ Group) – Different configuration files created by your app, perhaps app permissions. This data item related to mentioned group meant to be any info related to the app, app settings, including installed apps or installers,

– Account Data (‘Account Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Device Details (‘Analytics ‘n’ Ads Information’ Group) – Includes basic device details plus hardware key and fingerprints as well as IMEI. This data item related to mentioned group meant to be any info related to analytics services like Flurry, Google Analytics, etc. or advertisements,

– Device Data (‘Log Information’ Group) – Device ID, Device Name, Device OS Name and Version, and jailbroken/root status. This data item related to mentioned group meant to be any information stored in local or network logs

Items’ GROUP #2 with average value 5.50 points (7 points of system protection, 4 points of own protection) means data protection levels have following definitions. Frankly talking, data is not available all the time or partially accessed where system protection level means – root/jailbreak is required but not possible without wiping device data, and own protection level means – the old algorithm, wrong encryption modes, raw encryption, etc.

– Credentials (IDs) (‘Credentials Information’ Group) – Only account IDs like app or 3rd party user IDs including emails, phone number, usernames, etc. (depends on apps). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.

Items’ GROUP #3 with average value 7.00 points (7 points of system protection, 7 points of own protection) means data protection levels have following definitions. Frankly talking, compliance but there are publicly known techniques to access the data including forensics one where system protection level means – root/jailbreak is required but not possible without wiping device data, and own protection level means – data stored in system protected place like keychain (no additional protection still).

– Tracked Data ‘n’ Favorites (‘Loyalty Information’ Group) – Any favorites data or tracked data marked as desirable by users and for users (Means, user is on FB messenger, Viber, bank client or favourite hotel, room type, flight route, airline). This data item related to mentioned group meant to be any information related to known reward programs like membership, current rewards, etc.

Keep in mind if you’re using some Android devices such Samsung, LG or another device with an unlocked or non-locked loader that allow rooting your device without user action, the system level equals 6 points instead of 7. It means your data can be stolen without involving your actions.

Transferred data (Data-in-Transit, DIT).

Transferred data groups include Device Information, Credentials Information, Financial Information, Account Information, Location ‘n’ Maps Information, Payment ‘n’ Transaction Information, Application Information, Loyalty Information.
The average DIT value is 3.95 points (4.74 points of system protection and 3.16 points of own protection). It is less than a typical value (4 points, where’s 4 points of system protection and 4 points of own protection).

Items’ GROUP #1 with average value 5.00 points (6 points of system protection, 4 points of own protection) means data protection levels have following definitions. Frankly talking, data is not available all the time or partially accessed where system protection level means – MITM prevented or fake certificate importing prevented, but plaintext non-protected traffic is intercepted, and own protection level means – bypassed by fake/stolen root certificates.

– Device Data (‘Device Information’ Group) – Device ID, Device Name, Device OS Name and Version, and jailbroken/root status. This data item related to mentioned group meant to be details about your device,

– Credentials (IDs) (‘Credentials Information’ Group) – Only account IDs like app or 3rd party user IDs including emails, phone number, usernames, etc. (depends on apps). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Passwords) (‘Credentials Information’ Group) – Well-known passwords or PINs you’re using to get access to your account (usually it is worse than tokens because it gives full access to your account). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Access IDs) (‘Credentials Information’ Group) – Different tokens used to get access to your account, except for passwords but including app or 3rd party tokens, secret keys, etc. (usually don’t give full access to your account because based on permissions linked to these access tokens). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Account Details (‘Financial Information’ Group) – Full info about your account including account membership, expiration, profile, linked data and account, etc. This data item related to mentioned group meant to be any info that describe payments capabilities,

– Transaction Details (‘Account Information’ Group) – Details of transactions were made like ID, date and time, the amount of payment, recipient, notes, payment types, linked data, etc. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Transaction History (‘Account Information’ Group) – Some info about transactions were made like ID, date and time, and amount of payment. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Card Short Information (‘Account Information’ Group) – Some info about card holder, card number full or short) and expiration. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Transaction Details (‘Financial Information’ Group) – Details of transactions were made like ID, date and time, the amount of payment, recipient, notes, payment types, linked data, etc. This data item related to mentioned group meant to be any info that describe payments capabilities,

– Card Short Information (‘Financial Information’ Group) – Some info about card holder, card number full or short) and expiration. This data item related to mentioned group meant to be any info that describe payments capabilities,

– Card Full Information (‘Payment ‘n’ Transaction Information’ Group) – All details about card include short info, holder address, bank info and CVC, CVV, CVV2. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Contact Short Profile (‘Payment ‘n’ Transaction Information’ Group) – Name, Email ID, Phone number of contacts. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Application Configs (‘Application Information’ Group) – Different configuration files created by your app, perhaps app permissions. This data item related to mentioned group meant to be any info related to the app, app settings, including installed apps or installers,

– Tracked Data ‘n’ Favorites (‘Loyalty Information’ Group) – Any favorites data or tracked data marked as desirable by users and for users (Means, user is on FB messenger, Viber, bank client or favourite hotel, room type, flight route, airline). This data item related to mentioned group meant to be any information related to known reward programs like membership, current rewards, etc.,

– Statistics (‘Financial Information’ Group) – Some data referred to your activity expressed as statistics (charts, pies, graphs, etc.). This data item related to mentioned group meant to be any info that describe payments capabilities

Items’ GROUP #2 with average value 0.00 points (0 points of system protection, 0 points of own protection) means data protection levels have following definitions. Frankly talking, data ‘as is’ and easily accessed (plaintext, no protection at all) where system protection level means – transferred (or supposed to be) ‘as is’ (plaintext) due to jailbreak/root or preinstalled non-trusted firmware, certificates, etc., and own protection level means – transferred as is, perhaps protection mode turns off or doesn’t exist or info reveal eventually.

– GEO Snapshots (‘Location ‘n’ Maps Information’ Group) – Image-based snapshots of geodata info referred to the places. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.,

– GEO Data (‘Location ‘n’ Maps Information’ Group) – Any GEO info stored as plain text referred to the places or tracked activity. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.,

– Place Details (‘Location ‘n’ Maps Information’ Group) – Any info about public place (city, country, address, contacts) stored in text or media file format. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.,

– Address Data (‘Location ‘n’ Maps Information’ Group) – Home, work or another type of owner address stored by apps. This data item related to mentioned group meant to be any geodata from trackers, social networks, GPS, etc.

Keep in mind if you’re using out-of-date Android < 7.0, the system level equals 4 points instead of 6. It means your data can be stolen with a crafted preinstalled certificate on the device or if someone makes you install a certificate. Also, if you’re using out-of-date Android < 5.0, the system level equals 2 points instead of 4. It means your data can be stolen without involving your actions.

Privacy Policy

Full application privacy policy is available here.

You may find privacy policy details proceeding the link above to compare developer’s vision on data protection with our results.
This privacy policy published in Russian, so we put Google-Translated edtition below
Compliance with the recommendations contained in the memo, will ensure maximum safety of the bank card, its details, PIN and other data, as well as reduce the potential risks when making transactions using a credit card at an ATM, when the non-cash payment for goods and services, including through the Internet
General recommendations
Never give the PIN to third parties, including relatives, friends, employees of the credit institution, cashiers and people that help you use your bank card
PIN to remember, or if it is difficult, to keep it separate from the credit card in an implicit form and reach of third parties, including family members, location
Never, under any circumstances, do not send your bank card for the use of third parties, including family members. If your credit card applied the name and surname of a natural person, it is only a natural person has the right to use the bank card
If you receive a credit card sign it on its back side in the space reserved for the signature of a credit card holder, if provided. This will reduce the risk of using a credit card without your consent in case of loss
Be attentive to the conditions of storage and use of a credit card. Do not expose the bank card to mechanical, thermal and electromagnetic effects, and avoid getting it wet. Bank Card can not be stored next to the mobile phone, household and office appliances
Phone the credit organization – the issuer of a credit card (the credit institution issuing the bank card) is shown on the reverse side of a credit card. Also, you must always carry the contact numbers of the credit organization – the issuer of a credit card number and credit card on other media: in a notebook, mobile phone and / or other media, but not next to the entry of the PIN
In order to prevent unlawful acts to remove the entire amount of cash from a bank account it is advisable to set a monthly limit on the amount of bank card transactions and at the same time connect the electronic service on the transactions alerts (eg notification via SMS-messages or otherwise)
Upon receipt of the request, including from an employee of a credit institution to inform the personal data or information about bank card (including PIN) do not report them. Call back to the credit organization – the issuer of a credit card (credit institution that issued the bank card) and inform about this fact
Do not respond to e-mails in which the name of the credit institution (including the credit organization – the issuer of a credit card (the credit institution issuing the bank card)) are requested to provide personal information. Do not follow the “links” in the email (including the reference to the site of a credit institution), t. To. They may lead to sites doubles
For the purposes of information exchange with the credit organization – the issuer of a credit card (the credit institution issuing the bank card) is recommended only means of communication details (mobile and fixed-line phones, fax machines, interactive web-sites / portals, and e-mail address, etc.) That indicated in the documents obtained directly in the credit organization – the issuer of a credit card
Remember that in the case of PIN disclosure of personal data, the loss of a credit card there is a risk of committing misconduct with cash in your bank account by a third party
If there are assumptions about the disclosure of the PIN, the personal data to commit illegal actions with your bank account, and if the bank card has been lost, you must immediately contact the credit organization – the issuer of a credit card (credit institution that issued the bank card) and follow the instructions an employee of the credit institution. Prior to the treatment of the credit organization – the issuer of a credit card you carry the risk associated with unauthorized funds withdrawal from your bank account. As a rule, under the terms of the contract with the credit organization – the issuer of a credit card cash debited from your bank account as a result of unauthorized use of your credit card until the notification of the credit organization – the issuer of a credit card, will not be reimbursed
Recommendations for making transactions with a bank card at an ATM
Perform operations using ATMs installed in safe places (eg, in public institutions, offices of banks, major shopping malls, hotels, airports, etc.)
Do not use devices that require a PIN for access to the room where the ATM is located
If ATM nearby are outsiders, should choose a more appropriate time to use an ATM or use another ATM
Before using an ATM, inspect it for any additional devices that do not meet its design and located in the place of a PIN and set in place (slot) for receiving a card (for example, the presence of unevenly set the dial pad PIN). In this case, please refrain from the use of such a machine
If a keyboard or a place for receiving ATM cards equipped with additional devices that are not relevant to its structure, refrain from using a bank card in the ATM and report your suspicions to the employees of a credit institution using the telephone number on the ATM
Do not use physical force to insert your bank card into the ATM. If the bank card is not inserted, please refrain from the use of such a machine
Dial the PIN so that people who are in close proximity, could not see it. When entering PIN cover the keyboard hand
If the ATM is not working properly (for example, for a long time in standby mode, spontaneously reboots), must renounce the use of the ATM, cancel the current operation by pressing the keyboard “Cancel” button, and wait for the return of a credit card
After getting cash from an ATM should be counted banknotes one sheet, make sure that the bank card was returned to the ATM, wait for the issuance of a receipt at its request, then put them in a bag (purse, pocket), and only then move away from the machine
You should keep an ATM receipt printed for the subsequent verification of the amounts specified therein with an extract from a bank account
Do not listen to the advice of third parties, and do not take their help in carrying out operations with bank cards at ATMs
If during a bank card operations in ATM cash machine does not return the bank card, you should call in a credit institution using the telephone number on the ATM, and explain the circumstances of the incident, and should refer to the credit organization – the issuer of a credit card (credit institution that issued the bank card ), which has not been returned to the ATM and follow the instructions of the employee of the credit institution
Recommendations for using a credit card for cashless payment for goods and services
Do not use credit cards in trade organizations and services that are not credible
Demand operations with bank card only in your presence. This is necessary in order to reduce the risk of misuse of your personal reception of the information specified in the credit card
When you use a credit card to pay for goods and services the cashier may request from the owner of a credit card identification, sign a receipt or enter a PIN. Before you set the PIN, make sure that the people in the vicinity will not be able to see it. Before you sign the check, without fail, check the amount indicated on the check
If when trying to pay by credit card took place “unsuccessful” operation to save a copy of the receipt issued by the terminal for further checks on the absence of this transaction in the statement of the bank account
Recommendations for making transactions with a credit card via the Internet
Do not use a PIN when ordering goods and services via the Internet and by phone / fax
Do not give out personal information or information about banking (th) card (account) via the Internet, such as a PIN, password access to the resources of the bank, the validity of a bank card, credit limits, transaction history, personal data
In order to prevent unlawful acts to remove the entire amount of cash from the bank account it is recommended to make purchases on the Internet use a separate bank card (a so-called virtual card) with the utmost limit, designed only for this purpose and does not allow its use operations in organizations trade and services
It is necessary to use Internet sites only known and trusted organizations of trade and services
Always make sure the correct web site address, to which are connected and which are going to make a purchase, ie. A. Similar addresses can be used to carry out illegal actions
It is recommended to make purchases only from your computer in order to preserve the confidentiality of personal data and (or) information about the bank (st) card (account). If the purchase is made using someone else’s computer, it is not recommended to keep it personal data and other information, and the need to make after all operations complete, that the personal data and other information is not preserved (again by downloading a browser web-page of the seller, which committed purchases)
Install on your computer anti-virus software and update it regularly, and update other software you are using (operating system and applications), it can protect you from malicious software