I worked at a financial institution for several years. There are many, many IT folks, internal auditors, and others who are probably wishing they wore their brown pants to work today.
SSL certificates are cheap in contrast to the labour intensive management practices that exist around them, especially around legacy platforms that may have been hardcoded to use certificates from a specific issuer (not that I have ever seen that before, no one would be that foolish right? :/)
D'ya know, I would have naively assumed this wasn't technically possible. I shudder not only to think of the code, but also of the thought process that could compel someone to undergo the effort of bricking themselves into this corner because honestly, that sounds a lot harder than doing it right.
(Yes, I gave the client a strongly worded statement of my misgivings - and all the other bad code-smells in the project)
https://www.owasp.org/index.php/Certificate_and_Public_Key_P...
It's even worse if said device is embedded and has severe hardware constraints for compliance and regulatory reasons, and those same reasons prevent you from deploying patches on the regular.
Layer in some "built by the lowest bidder" and "accumulation of 30-odd years of poor practices for smart payment cards" and you have a big mess of a situation to unravel.
Oh yeah, and lest you think this is not an issue because this is browser related, may I introduce you to the world of services that proxy legacy green terminal applications into web front ends, ranging from IBM HATS to bespoke AJAXy things that unwrap screen scraped terminal emultor content from XMLHttpRequests.
Jeez. Remembering why I used to drink more when I worked in fintech :)
Such devices are usually great targets for learning how not to secure things, because when they care that little they often don't get anything else right either.
You pick two or more CAs you trust, and brick yourself into a corner saying "these are the only CAs you should ever trust w.r.t. this domain".
https://raymii.org/s/articles/HTTP_Public_Key_Pinning_Extens...
If you make such astonishingly obviously poor decisions, you deserve to fail.
And market consumers lack the technical ability to discriminate between anything more finely grained than "works" / "doesn't work."
It's not that banks want to switch to a "better" SSL service, it's Symantec being a "better" service for them that got Symantec into trouble.
(IIRC, from reading some of the incident reports)
I don't know if they have actively used it to issue SHA-1 certificates, but they certainly could.
Given the G1 root they pulled has an intermediary called "Symantec Trust Services Private SHA1 Root CA", I can make some guesses...
The roots that Symantec took off-reservation are regularly issuing SHA-1 certificates to anyone whose check clears. Got $1,699 to spare? https://www.thesslstore.com/symantec/secure-site-pro-sha1-pr...
Side note: Are payment systems required to link to revalidate their roots at any regular intervals?
Yes, if a client isn't receiving root store updates it will continue to trust certificates chaining to the off-reservation root. This is why taking previously-trusted roots off-reservation is bad for the ecosystem and would ideally be prohibited.
> Side note: Are payment systems required to link to revalidate their roots at any regular intervals?
Many payment systems apparently have no automatic update mechanism, so I assume there is no requirement for such.
However, there's no point in pretending these certs are good if we can't trust the issuer to not put out BAD certs. Painful or not, if the banks are user the certs to show they are trustworthy, then they need to switch when the issuer ISN'T trustworthy.