Hubert O'Donoghue

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Managing Director

O-C Group

Member since

12 Feb 2007

Location

Dublin

Bio

Patrick Clarke and Hubert O'Donoghue founded O-C Group in 2006 and are each directors of the company. Between them, they have a range of IT Development and Operational experience in transaction management systems which is unparalleled in this industry. O-C Group provides the payment industry with a

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Managing Director

O-C Group

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Latest opinions

PCI DSS Dos and Don'ts

PCI DSS Dos Secure your network, deploy firewalls and disable unnecessary services and protocols. Even if you are a Card Present merchant, you most likely have internet connectivity which may indirectly expose sensitive data. Be particularly careful with wireless (remember TJX) When you make changes to systems carry out security testing to ...

12 September 2008 SEPA and European Payments

The need to get serious about PCI DSS

It seem like every second day we hear about another security breach or data compromise involving usually tens of thousands of card numbers and often additional and even more sensitive information which if used in conjunction with the card number can result in serious financial loss and reputational damage to the compromised party. At the same time...

11 September 2008 SEPA and European Payments

SEPA Cards Framework - is it progressing ?

The EPC Q&A document unfortunately did not say very much or advance the position of the SEPA Cards Framework in real terms. The situation on the ground for consumers is that because of the failure to agree interoperable technical standards and card ranges cardholders will continue to find situations where they will try to use co-branded Maestr...

29 August 2008

Latest comments

Has the European dream begun to fail?

Gary - Excellent well balanced article. I think it is a shocking indictment of the EU leaders meeting at the weekend that it resulted in precisely nothing and then within hours of it a spate of one off interventions.

You may all disagree with me but I think the freefall started when the US Govt let Lehman Brothers fail. Now I know a lot of people will say they got their just deserts - but - it was the fear which that failure injected into the market which has made confidence totally evaporate.

It will be a long road back - and a global (not just a US or EU wide) approach will be needed

07 Oct 2008 15:20 Read comment

Could EMV have prevented the TJX breach?

It's so obvious that tokenisation is the answer. If we stop using static card numbers the problem is solved. Simple and perfectly feasible but unfortunately legacy within the banks and the card schemes (not to mention cost) means it wont happen. What extent of fraud will the industry sustain before we bite the bullet ?

10 Sep 2008 16:32 Read comment

Could EMV have prevented the TJX breach?

In the TJX case the breach involved the theft of credit card files from servers within the TJX network which were compromised due an insecure wireless implementation. Even if these transactions had been conducted under EMV standard they would have contained card number and expiry date and there are still plenty of CNP sites (regrettably) where that is enough. Cant see how EMV would have helped here

09 Sep 2008 15:58 Read comment