Migration, authentication and protection (MAP) of consumers and cards

In preceding few years attacks on web services have developed from pretty simple credential stealing attacks to advanced content-manipulation attacks by means of malevolent software scattered on the client end-devices.The right long-term goal is to make data unusable to criminals and therefore reduce the incentive to steal it. We will never be able to keep the track data cloaked in secrecy and out of the hands of criminals.

Modern Internet banking services will be able to survive only if banks strongly care about the reasonableness of their solutions and users strongly care about their responsibility and due diligence to protect credentials and vali-date transaction data whenever needed. MITB, MITM, DOS and DDOS are in fact Trojan horse programs and ca-pable enough to hack confidential data for future misuse. We must migrate from static data to dynamic data for authenticating consumers and cards.