NGate: Android Malware Exploiting NFC Technology
Introduction:
A new Android malware called NGate is capable of stealing money from payment cards through relaying the data read by the Near Field Communication (“NFС”) chip to the attacker’s device. NFC is a device which allows devices such as smartphones to communicate over a short distance wirelessly. In particular, NGate allows forging the victims’ cards and, therefore, performing fraudulent purchases or withdrawing money from ATMs. .
About NGate Malware:
The whole purpose of NGate malware is to target victims’ payment cards by relaying the NFC data to the attacker’s device. The malware is designed to take advantage of phishing tactics and functionality of the NFC on android based devices.
Modus Operandi:
- Phishing Campaigns: The first step is spoofed emails or SMS used to lure the users into installing the Progressive Web Apps (“PWAs”) or the WebAPKs presented as genuine banking applications. These apps usually have a layout and logo that makes them look like an authentic app of a Targeted Bank which makes them believable.
- Installation of NGate: When the victim downloads the specific app, he or she is required to input personal details including account numbers and PIN numbers. Users are also advised to turn on or install NFC on their gadgets and place the payment cards to the back part of the phone to scan the cards.
- NFCGate Component: One of the main working features of the NGate is the NFCGate, an application created and designed by some students of Technical University of Darmstadt. This tool allows the malware to:
- Collect NFC traffic from payment cards in the vicinity.
- Transmit, or relay this data to the attacker’s device through a server.
- Repeat data that has been previously intercepted or otherwise copied.
It is important to note that some aspects of NFCGate mandate a rooted device; however, forwarding NFC traffic can occur with devices that are not rooted, and therefore can potentially ensnare more victims.
Technical Mechanism of Data Theft:
- Data Capture: The malware exploits the NFC communication feature on android devices and reads the information from the payment card, if the card is near the infected device. It is able to intercept and capture the sensive card details.
- Data Relay: The stolen information is transmitted through a server to the attacker’s device so that he/she is in a position to mimic the victim’s card.
- Unauthorized Transactions: Attackers get access to spend money on the merchants or withdraw money from the ATM that has NFC enabled. This capability marks a new level of Android malware in that the hackers are able to directly steal money without having to get hold of the card.
Social Engineering Tactics:
In most cases, attackers use social engineering techniques to obtain more information from the target before implementing the attack. In the second phase, attackers may pretend to be representatives of a bank that there is a problem with the account and offer to download a program called NGate, which in fact is a Trojan under the guise of an application for confirming the security of the account. This method makes it possible for the attackers to get ITPIN code from the sides of the victim, which enables them to withdraw money from the targeted person’s account without authorization.
Technical Analysis:
The analysis of malicious file hashes and phishing links are below:
Malicious File Hashes:
csob_smart_klic.apk:
- MD5: 7225ED2CBA9CB6C038D8
- Classification: Android/Spy.NGate.B
csob_smart_klic.apk:
- MD5: 66DE1E0A2E9A421DD16B
- Classification: Android/Spy.NGate.C
george_klic.apk:
- MD5: DA84BC78FF2117DDBFDC
- Classification: Android/Spy.NGate.C
george_klic-0304.apk:
- MD5: E7AE59CD44204461EDBD
- Classification: Android/Spy.NGate.C
rb_klic.apk:
- MD5: 103D78A180EB973B9FFC
- Classification: Android/Spy.NGate.A
rb_klic.apk:
- MD5: 11BE9715BE9B41B1C852
- Classification: Android/Spy.NGate.C.
Phishing URLs:
Phishing URL:
- https://client.nfcpay.workers[.]dev/?key=8e9a1c7b0d4e8f2c5d3f6b2
Additionally, several distinct phishing websites have been identified, including:
- rb.2f1c0b7d.tbc-app[.]life
- geo-4bfa49b2.tbc-app[.]life
- rb-62d3a.tbc-app[.]life
- csob-93ef49e7a.tbc-app[.]life
- george.tbc-app[.]life.
Analysis:
Broader Implications of NGate:
The ultramodern features of NGate mean that its manifestation is not limited to financial swindling. An attacker can also generate a copy of NFC access cards and get full access when hacking into restricted areas, for example, the corporate offices or restricted facility. Moreover, it is also safe to use the capacity to capture and analyze NFC traffic as threats to identity theft and other forms of cyber-criminality.
Precautionary measures to be taken:
To protect against NGate and similar threats, users should consider the following strategies:
- Disable NFC: As mentioned above, NFC should be not often used, it is safe to turn NFC on Android devices off. This perhaps can be done from the general control of the device in which the bursting modes are being set.
- Scrutinize App Permissions: Be careful concerning the permission that applies to the apps that are installed particularly the ones allowed to access the device. Hence, it is very important that applications should be downloaded only from genuine stores like Google Play Store only.
- Use Security Software: The malware threat can be prevented by installing relevant security applications that are available in the market.
- Stay Informed: As it has been highlighted, it is crucial for a person to know risks that are associated with the use of NFC while attempting to safeguard an individual’s identity.
Conclusion:
The presence of malware such as NGate is proof of the dynamism of threats in the context of mobile payments. Through the utilization of NFC function, NGate is a marked step up of Android malware implying that the attackers can directly manipulate the cash related data of the victims regardless of the physical aspect of the payment card. This underscores the need to be careful when downloading applications and to be keen on the permission one grants on the application. Turn NFC when not in use, use good security software and be aware of the latest scams are some of the measures that help to fight this high level of financial fraud. The attackers are now improving their methods. It is only right for the people and companies to take the right steps in avoiding the breach of privacy and identity theft.
Reference:
- https://www.welivesecurity.com/en/eset-research/ngate-android-malware-relays-nfc-traffic-to-steal-cash/
- https://therecord.media/android-malware-atm-stealing-czech-banks
- https://www.darkreading.com/mobile-security/nfc-traffic-stealer-targets-android-users-and-their-banking-info
- https://cybersecuritynews.com/new-ngate-android-malware/
Related Blogs
Introduction
The European Union has fined the meta $ 1.3 billion for infringing the EU privacy laws by transferring the personal data of Facebook users to the United States. The EU fined Meta’s business in Ireland. As per the European Union, transferring Personal data to the US is a breach of the General data protection Regulation or European Union law on data protection and privacy.
GDPR Compliance
The terms of GDPR promise to gather users’ personal information legally and under strict conditions. And those who collect and manage personal data must protect users’ personal data from exploitation. The GDPR restricts an organisation’s capacity to transfer personal data outside the EU if the transfer is solely based on that body’s evaluation of the sufficiency of the personal data’s protection. Transfers should only be made where European authorities have determined that a third country, a territory within that third country, or an international organisation provides acceptable protection for data protection.
Violation by Meta
The punishment, announced by Ireland’s Data Protection Commission, might be one of the most significant in the five years since the European Union passed the landmark General Data Protection Regulation. According to regulators, Facebook failed to comply with a 2020 judgment by the European Union’s top court that Facebook data transferred over the Atlantic was not sufficiently safeguarded from American espionage agencies. However, whether Meta will ever need to encrypt Facebook users’ data in Europe is still being determined. Meta announced it would appeal the ruling, launching a potentially legal procedure.
Simultaneously, European Union and American officials are negotiating a new data-sharing pact that would provide legal protections for Meta and scores of other companies to continue moving information between the US and Europe. This pact could overturn much of the European Union’s Monday ruling.
Article 46(1) GDPR Has been violated by the meta, And as per the Irish privacy.
What is required by the GDPR before transferring personal information across national boundaries?
Personal data transfers to countries outside the European Economic Area are generally permitted if these nations are regarded to provide a sufficient degree of data protection. According to Article 45 of the GDPR, the European Commission evaluates the degree of personal data protection in third countries.
The European Union judgment demonstrates how government rules are upending the borderless way data has traditionally migrated. Companies are increasingly being pressed to store data within the country where it is acquired rather than allowing it to transfer freely to data centres around the world as a result of data-protection requirements, national security laws, and other regulations.
The US internet giant had previously warned that if forced to stop using SCCs (standard contractual clauses) without a proper alternative data transfer agreement in place, it would be compelled to shut down services such as Facebook and Instagram in Europe.
What will happen next for Facebook in Europe?
The ruling includes a six-month transition period before it must halt data flows, meaning the service will continue to operate in the meantime. (More specifically, Meta has been given a five-month transition period to freeze any future transfer of personal data to the United States and a six-month deadline to terminate the unlawful processing and/or storage of European user data it has previously transferred without a legitimate legal basis. Meta has also stated that it will appeal and appears to seek a stay of execution while it pursues its legal arguments in court.
Conclusion
The GDPR places restrictions on transferring personal data outside the European Union to third-party nations or international bodies to ensure that the GDPR’s level of protection for individuals is not jeopardised. But the meta violated the European Union’s privacy laws by the user’s personal information to the US. Under the compliance of GDPR, transferring and sending personal information to users intentionally is an offence. and presently, the personal data of Facebook users has been breached by the Meta, as they shared the information with the US.
Introduction
The Telecommunications Act of 2023 was passed by Parliament in December, receiving the President's assent and being published in the official Gazette on December 24, 2023. The act is divided into 11 chapters 62 sections and 3 schedules. Sections 1, 2, 10-30, 42-44, 46, 47, 50-58, 61 and 62 already took effect on June 26, 2024.
On July 04, 2024, the Centre issued a Gazetted Notification and sections 6-8, 48 and 59(b) were notified to be effective from July 05, 2024. The Act aims to amend and consolidate the laws related to telecommunication services, telecommunication networks, and spectrum assignment and it ‘repeals’ certain older colonial-era legislations like the Indian Telegraph Act 1885 and Indian Wireless Telegraph Act 1933. Due to the advancements in technology in the telecom sector, the new law is enacted.
On 18 July 2024 Thursday, the telecom minister while launching the theme of Indian Mobile Congress (IMC), announced that all rules and provisions of the new Telecom Act would be notified within the next 180 days, hence making the Act operational at full capacity.
Important definitions under Telecommunications Act, 2023
- Authorisation: Section 2(d) entails “authorisation” means a permission, by whatever name called, granted under this Act for— (i) providing telecommunication services; (ii) establishing, operating, maintaining or expanding telecommunication networks; or (iii) possessing radio equipment.
- Telecommunication: Section 2(p) entails “Telecommunication” means transmission, emission or reception of any messages, by wire, radio, optical or other electro-magnetic systems, whether or not such messages have been subjected to rearrangement, computation or other processes by any means in the course of their transmission, emission or reception.
- Telecommunication Network: Section 2(s) entails “telecommunication network” means a system or series of systems of telecommunication equipment or infrastructure, including terrestrial or satellite networks or submarine networks, or a combination of such networks, used or intended to be used for providing telecommunication services, but does not include such telecommunication equipment as notified by the Central Government.
- Telecommunication Service: Section 2(t) entails “telecommunication service” means any service for telecommunication.
Measures for Cyber Security for the Telecommunication Network/Services
Section 22 of the Telecommunication Act, 2023 talks about the protection of telecommunication networks and telecommunication services. The section specifies that the centre may provide rules to ensure the cybersecurity of telecommunication networks and telecommunication services. Such measures may include the collection, analysis and dissemination of traffic data that is generated, transmitted, received or stored in telecommunication networks. ‘Traffic data’ can include any data generated, transmitted, received, or stored in telecommunication networks – such as type, duration, or time of a telecommunication.
Section 22 further empowers the central government to declare any telecommunication network, or part thereof, as Critical Telecommunication Infrastructure. It may further provide for standards, security practices, upgradation requirements and procedures to be implemented for such Critical Telecommunication Infrastructure.
CyberPeace Policy Wing Outlook:
The Telecommunication Act, 2023 marks a significant change & growth in the telecom sector by providing a robust regulatory framework, encouraging research and development, promoting infrastructure development, and measures for consumer protection. The Central Government is empowered to authorize individuals for (a) providing telecommunication services, (b) establishing, operating, maintaining, or expanding telecommunication networks, or (c) possessing radio equipment. Section 48 of the act provides no person shall possess or use any equipment that blocks telecommunication unless permitted by the Central Government.
The Central Government will protect users by implementing different measures, such as the requirement of prior consent of users for receiving particular messages, keeping a 'Do Not Disturb' register to stop unwanted messages, the mechanism to enable users to report any malware or specified messages received, the preparation and maintenance of “Do Not Disturb” register, to ensure that users do not receive specified messages or class of specified messages without prior consent. The authorized entity providing telecommunication services will also be required to create an online platform for users for their grievances pertaining to telecommunication services.
In certain limited circumstances such as national security measures, disaster management and public safety, the act contains provisions empowering the Government to take temporary possession of telecom services or networks from authorised entity; direct interception or disclosure of messages, with measures to be specified in rulemaking. This entails that the government gains additional controls in case of emergencies to ensure security and public order. However, this has to be balanced with appropriate measures protecting individual privacy rights and avoiding any unintended arbitrary actions.
Taking into account the cyber security in the telecommunication sector, the government is empowered under the act to introduce standards for cyber security for telecommunication services and telecommunication networks; and encryption and data processing in telecommunication.
The act also promotes the research and development and pilot projects under Digital Bharat Nidhi. The act also promotes the approach of digital by design by bringing online dispute resolution and other frameworks. Overall the approach of the government is noteworthy as they realise the need for updating the colonial era legislation considering the importance of technological advancements and keeping pace with the digital and technical revolution in the telecommunication sector.
References:
- The Telecommunications Act, 2023 https://acrobat.adobe.com/id/urn:aaid:sc:AP:88cb04ff-2cce-4663-ad41-88aafc81a416
- https://pib.gov.in/PressReleasePage.aspx?PRID=2031057
- https://pib.gov.in/PressReleaseIframePage.aspx?PRID=2027941
- https://economictimes.indiatimes.com/industry/telecom/telecom-news/new-telecom-act-will-be-notified-in-180-days-bsnl-4g-rollout-is-monitored-on-a-daily-basis-scindia/articleshow/111851845.cms?from=mdr
- https://www.azbpartners.com/wp-content/uploads/2024/06/Update-Staggered-Enforcement-of-Telecommunications-Act-2023.pdf
- https://telecom.economictimes.indiatimes.com/blog/analysing-the-impact-of-telecommunications-act-2023-on-digital-india-mission/111828226
Executive Summary:
A viral photo on social media claims to show a ruined bridge in Kerala, India. But, a reality check shows that the bridge is in Amtali, Barguna district, Bangladesh. The reverse image search of this picture led to a Bengali news article detailing the bridge's critical condition. This bridge was built-in 2002 to 2006 over Jugia Khal in Arpangashia Union. It has not been repaired and experiences recurrent accidents and has the potential to collapse, which would disrupt local connectivity. Thus, the social media claims are false and misleading.
Claims:
Social Media users share a photo that shows a ruined bridge in Kerala, India.
Fact Check:
On receiving the posts, we reverse searched the image which leads to a Bengali News website named Manavjamin where the title displays, “19 dangerous bridges in Amtali, lakhs of people in fear”. We found the picture on this website similar to the viral image. On reading the whole article, we found that the bridge is located in Bangladesh's Amtali sub-district of Barguna district.
Taking a cue from this, we then searched for the bridge in that region. We found a similar bridge at the same location in Amtali, Bangladesh.
According to the article, The 40-meter bridge over Jugia Khal in Arpangashia Union, Amtali, was built in 2002 to 2006 and was never repaired. It is in a critical condition, causing frequent accidents and risking collapse. If the bridge collapses it will disrupt communication between multiple villages and the upazila town. Residents have made temporary repairs.
Hence, the claims made by social media users are fake and misleading.
Conclusion:
In conclusion, the viral photo claiming to show a ruined bridge in Kerala is actually from Amtali, Barguna district, Bangladesh. The bridge is in a critical state, with frequent accidents and the risk of collapse threatening local connectivity. Therefore, the claims made by social media users are false and misleading.
- Claim: A viral image shows a ruined bridge in Kerala, India.
- Claimed on: Facebook
- Fact Check: Fake & Misleading
