77 BankApplication · 77bank

CVE-2020-5523

HIGH · 7.4 CVSS v3.1 Published 2020-01-28
Fix available
A fix is available. Upgrade to after 3.0.4 or later.
See remediation →
83/100
Remediation priority · High
Remotely reachable No privileges Zero-click

Official description Straight from the sourceThe vendor's or NVD's own wording, published unedited. Authoritative, but often terse — it says what broke, rarely what to do.

NVD · unedited
Android App 'MyPallete' and some of the Android banking applications based on 'MyPallete' do not verify X.509 certificates from servers, and also do not properly validate certificates with host-mismatch, which allows man-in-the-middle attackers to spoof servers and obtain sensitive information via a crafted certificate.

Technical summary Written by usOur analysis, written from the advisory, the CVSS vector and the affected-version data. It adds context the advisory leaves out, and never invents facts that are not in the source.

dbcve analysis · high confidence

The Android app 'MyPallete' and banking apps built on it fail to perform X.509 certificate chain verification and do not validate hostname matching, allowing MITM attackers to present fraudulent certificates and intercept sensitive data transmitted between the app and legitimate servers.

MitigationImplement proper SSL/TLS certificate validation in the Android app by using a correctly configured TrustManager that verifies the full certificate chain and validates that the certificate hostname matches the expected server, or implement certificate pinning for banking applications.

Verify against the referenced sources before acting — the references below are authoritative for this CVE, this summary is not.

Affected products & versions What the vendor confirmedThe version ranges the vendor confirmed as vulnerable. If your version sits inside a range here, treat yourself as exposed until you have upgraded.

NVD · CPE data
77 BankApplication
Affected:<= 2.0.1
AshiginApplication
Affected:<= 1.0.4
DoginApplication
Affected:<= 3.0.1
Hokuriku Bank PortalApplication
Affected:<= 2.0.1
NagaginApplication
Affected:<= 1.0.1
MypalleteApplication
Affected:all versions
Shikoku BankApplication
Affected:<= 2.0.1
Ikeda Senshu BankApplication
Affected:<= 3.0.4

CVSS breakdown How the score is builtThe industry scoring standard. It rates how the flaw is reached, what it takes to exploit, and what an attacker gains — the score is derived from those, not the other way round.

From the vector
Attack vector
Network
Complexity
High
Privileges
None
User interaction
None
Scope
Unchanged
Confidentiality
High
Integrity
High
Availability
None

CVSS:3.1/AV:N/AC:H/PR:N/UI:N/S:U/C:H/I:H/A:N

Am I affected? How to checkSteps we derive from the advisory and the affected-version data, so you can decide whether this CVE reaches your setup. They are a guide, not a scan — your own configuration is the authority.

dbcve checks

Work through these to decide whether this CVE applies to you.

  1. Identify installed banking apps
    On Android devices, check installed applications for any of these: 77 Bank, Ashigin, Dogin, Hokuriku Bank Portal, Nagagin, MyPallete, Shikoku Bank, or Ikeda Senshu Bank
    Affected if Any of these specific banking apps are installed on the device
  2. Check app version
    For each identified banking app, view its version in Android Settings > Apps > [App Name] > Version, or use adb shell dumpsys package [package name]
    Affected if The installed version matches or is below: 77 Bank <= 2.0.1, Ashigin <= 1.0.4, Dogin <= 3.0.1, Hokuriku Bank Portal <= 2.0.1, Nagagin <= 1.0.1, MyPallete (any version), Shikoku Bank <= 2.0.1, Ikeda Senshu Bank <= 3.0.4
  3. Review network security config
    For developers: decompile the APK and examine res/xml/network_security_config.xml for certificate validation settings, or inspect the manifest for custom TrustManager implementations
    Affected if Network security config lacks proper certificate validation settings, or custom TrustManager implementations exist that bypass standard validation
  4. Inspect SSL/TLS implementation
    For developers: analyze the source code (Java/Kotlin) for HTTP client initialization (HttpURLConnection, OkHttp, Apache HttpClient) to verify that a proper TrustManager validating certificate chain and hostname is configured
    Affected if The app uses a TrustManager that does not verify the full certificate chain, or hostname verification is disabled or missing

A user is affected if they have any of the listed banking apps installed with a version within the affected ranges, or if code review reveals missing certificate chain and hostname validation in the app's SSL/TLS implementation.

Generated from the published advisory. Verify against your own configuration.

Check your environment

Paste your version and any relevant configuration and it will be compared against the affected criteria above. Do not include secrets or credentials.

AI-assisted, checked against the advisory. Informational, not a guarantee.

Remediation Closing itWhat it takes to close this. Where a vendor fix exists we point at it; where none exists we say so plainly, and can build one. Effort estimates are scoped from the advisory, not from your codebase.

From vendor data
Upgrade available Upgrade to a release after 3.0.4
Interim mitigation

Implement proper SSL/TLS certificate validation in the Android app by using a correctly configured TrustManager that verifies the full certificate chain and validates that the certificate hostname matches the expected server, or implement certificate pinning for banking applications.

Fix this in 77 Bank Scoped from the published advisory
  • Consultation4.0 h
  • Implementation12.0 h
  • Testing6.0 h
  • Review / QA4.0 h
26.0 hours of engineering $4,580
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An estimate, not a bill — we confirm scope with you before any work starts. Need it this week? Rush from $7,328.

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References Go to the primary sourcePrimary sources — vendor advisories, patches and trackers. Where our summary and a reference disagree, the reference wins.

Primary sources

Practitioner notes

Contributed

Peer-ranked notes from engineers who’ve handled CVE-2020-5523 in production — separate from our analysis above.

No notes yet

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What this is

A place for practitioners to share what actually worked: a mitigation you’ve tested, a configuration change, a version- or environment-specific caveat, or a link to a verified patch. The most useful notes rise to the top as peers upvote them, so the signal stays high.

What belongs here
  • Verified mitigations, workarounds, and config changes
  • Version or environment caveats, and links to real fixes
  • No weaponised exploit code, or anything meant to cause harm
  • No spam, self-promotion, credentials, or personal data