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  • Two-Factor Authentication on the Web

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    Risk based authentication is the way to go. Many company's offer this.
    Similar to the way credit card companies monitor transactions for "odd
    ball" stuff.
    Matthew
    Message
    From: RSD [mailto:rsd (AT) sdf (DOT) lonestar.org]
    Sent: Wednesday, June 28, 2006 9:31 AM
    To: webappsec (AT) securityfocus (DOT) com
    Subject: Two-Factor Authentication on the Web
    My company does online loan applications. Various agencies and customers
    have demanded we comply with FFIEC guidelines[0] regarding two-factor
    authentication. Now the guidance describes many different types of
    factors that could be used, such as Tokens/Biometric/Band/etc.
    Now the specs I've received from our analysts indicate they have chosen
    the 'shared secret' as a second factor. It's a secret question like
    'What is your favorite food?' that is supposed to augment the existing
    username and password.
    Here's the problem -- a password is also one considered a shared secret
    -- so this isn't really two-factor, more like 2 one-factors. Since the
    factors have identical characteristics, if one is compromised, the other
    will surely follow.
    Now the guidance doesn't see that as a problem: "The use of multiple
    shared secrets also provides increased security because more than one
    secret must be known to authenticate." Seems to me if an attacker found
    a password written on a post-it note, they'd find "cookies" as well.
    Now I can see why this route was chosen -- most of the other factors
    require some hardware -- and distributing any sort of physical device is
    not an option.
    My questions:
    -Is my analysis correct?
    -Are multiple shared secrets any more secure?
    -What viable solutions are there?
    Thanks!
    [0]
  • No.1 | | 1242 bytes | |

    Harper.Matthew wrote:
    Risk based authentication is the way to go. Many company's offer this.
    Similar to the way credit card companies monitor transactions for "odd
    ball" stuff.

    Matthew

    Message
    From: RSD [mailto:rsd (AT) sdf (DOT) lonestar.org]
    Sent: Wednesday, June 28, 2006 9:31 AM
    To: webappsec (AT) securityfocus (DOT) com
    Subject: Two-Factor Authentication on the Web

    My company does online loan applications. Various agencies and customers
    have demanded we comply with FFIEC guidelines[0] regarding two-factor
    authentication. Now the guidance describes many different types of
    factors that could be used, such as Tokens/Biometric/Band/etc.

    Seems to me that transaction analysis would be tough to do on a credit
    application. Where is the history? (I assume your company only does
    online credit apps.) Any 2FA system might also be problematic: how do
    you do the initial validation & credentialing? If you can do the
    initial validation securely, why not use that as the risk mitigation
    method? Seems to me this is a good opportunity for a credit bureau to
    partner with an authentication vendor to offer initial
    validation/credentialing and 2FA.

    nick
  • No.2 | | 1881 bytes | |

    I don't see the credit bureau's jumping on that wagon. Currently there
    is no risk to them and they are making money hand-over-fist because of
    ID theft. Since there is no risk why would they shell out tons of
    money to come up with a solution for someone elses problem?
    I do agree that the initial validation of someones identity is
    problematic. The document here is talking about authentication, which
    is related to the initial validation and trying to initially validate
    every user through a definite means is impractical. Since names and
    social security numbers and other similar concepts are labels that we
    apply to ourselves the only way I see that you can accurately validate
    someone would be through biometrics (something you are) . Granted
    there can be issues with replay attacks but it could be used for
    initial identification. There is no way you can really validate
    someones identity without them being there in person (start the flame
    war). Sure, you can lie when you go in but the risk of being caught is
    much higher. I see one of the problems being that a financial
    institution has to find a balance that is cost effective and can
    reasonably validate someones identity remotely. Sorry about some of
    the fragmented sentences, but I have ahd enough fun for one day.

    Seems to me that transaction analysis would be tough to do on a credit
    application. Where is the history? (I assume your company only does
    online credit apps.) Any 2FA system might also be problematic: how do
    you do the initial validation & credentialing? If you can do the
    initial validation securely, why not use that as the risk mitigation
    method? Seems to me this is a good opportunity for a credit bureau to
    partner with an authentication vendor to offer initial
    validation/credentialing and 2FA.

    nick
  • No.3 | | 2457 bytes | |

    What I was trying to say is that you can only authenticate someone
    through biometrics because it is something that they are. I do not
    dispute that technology can be subverted or that people can be
    manipulated. What I am trying to say is that a label (name, ssn)
    cannot be trusted, especially nowadays. I feel the same in that
    regristration would have to be done in person but again that is
    impractical. Again, I am not saying that the current biometrics
    technology is an adequate solution. Just that the concept of
    biometrics is the only way to validate someone's identity.

    You seem to be very familiar with biometrics, can you provide some
    examples of products that you have experience with that you would
    consider to be a scam and what ones (regardless of expense) are
    adequate?

    6/30/06, Andrew van der Stock <vanderaj (AT) greebo (DOT) netwrote:

    30/06/2006, at 4:03 PM, Tim wrote:

    the only way I see that you can accurately validate
    someone would be through biometrics (something you are)

    This is not possible, as:

    All devices in general are tamperable and not trustworthy when in the
    hands of the attacker

    Biometric devices have a long history of being little more than snake
    oil or toys. The good ones are significantly more expensive than ANY
    other form of actual 2FA authentication device

    Many attacks against existing biometric devices are so trivial as to
    be a complete joke. Check out this page:

    Lastly, trustworthy biometric registration requires an in-person
    visit, thus negating any possibility of remote authentication.

    No matter what 2FA device you use, evidence of identity is only as
    strong as the registration process. I'd prefer to see the initial
    registration (and recovery of registration) done only in-person.
    the process is open to abuse by definition.

    thanks,
    Andrew

    Sponsored by: Watchfire

    As web applications become increasingly complex, tremendous amounts of
    sensitive data - personal, medical and financial - are exchanged, and
    stored. Consumers expect and demand security for this information. This
    whitepaper examines a few vulnerability detection methods - specifically
    comparing and contrasting manual penetration testing with automated
    scanning tools. Download "Automated Scanning or Manual Penetration
    Testing?" today!

  • No.4 | | 1045 bytes | |

    30/06/2006, at 4:03 PM, Tim wrote:

    the only way I see that you can accurately validate
    someone would be through biometrics (something you are)

    This is not possible, as:

    All devices in general are tamperable and not trustworthy when in the
    hands of the attacker

    Biometric devices have a long history of being little more than snake
    oil or toys. The good ones are significantly more expensive than ANY
    other form of actual 2FA authentication device

    Many attacks against existing biometric devices are so trivial as to
    be a complete joke. Check out this page:

    Lastly, trustworthy biometric registration requires an in-person
    visit, thus negating any possibility of remote authentication.

    No matter what 2FA device you use, evidence of identity is only as
    strong as the registration process. I'd prefer to see the initial
    registration (and recovery of registration) done only in-person.
    the process is open to abuse by definition.

    thanks,
    Andrew
  • No.5 | | 2480 bytes | |

    Hello:
    But even when biometric authentication "works", it still does not prove my _identity_, it just proves that I am who *I said* I am, which is another thing entirely; and some might say is its most obvious point of failure. What's worse, as opposed to other 2-factor authentication methods (e.g. something I have, something I know), the "something I have" with biometrics, or as you say the "something I am" is not easily or practically replaceable if by chance it gets subverted. And thus, given its inherent value and importance to its owner (I'm pretty sure we all want to keep all our fingers, eyes, etc.), the more value placed on the payload it guards (i.e. bank account, medical records, credit history, etc.), the higher the risk increases for its owner; as not only can someone clean up your savings account, but they will necessarily have to kill, maim, or otherwise molest of you in the process.

    -dZ.

    From: Tim [mailto:pand0ra.usa (AT) gmail (DOT) com]
    Sent: Fri 06/30/2006 11:45
    To: Andrew van der Stock
    Cc: Webappsec Mail List
    Subject: Re: Two-Factor Authentication on the Web

    What I was trying to say is that you can only authenticate someone
    through biometrics because it is something that they are. I do not
    dispute that technology can be subverted or that people can be
    manipulated. What I am trying to say is that a label (name, ssn)
    cannot be trusted, especially nowadays. I feel the same in that
    regristration would have to be done in person but again that is
    impractical. Again, I am not saying that the current biometrics
    technology is an adequate solution. Just that the concept of
    biometrics is the only way to validate someone's identity.

    You seem to be very familiar with biometrics, can you provide some
    examples of products that you have experience with that you would
    consider to be a scam and what ones (regardless of expense) are
    adequate?

    Sponsored by: Watchfire

    As web applications become increasingly complex, tremendous amounts of
    sensitive data - personal, medical and financial - are exchanged, and
    stored. Consumers expect and demand security for this information. This
    whitepaper examines a few vulnerability detection methods - specifically
    comparing and contrasting manual penetration testing with automated
    scanning tools. Download "Automated Scanning or Manual Penetration
    Testing?" today!

  • No.6 | | 4009 bytes | |

    The 3 factors of authentication are:
    Something you have (i.e. a token, card, etc)
    Something you know (i.e. a password)
    or
    Something you are (i.e. a fingerprint, DNA, etc)

    "But even when biometric authentication "works", it still does not
    prove my _identity_, it just proves that I am who *I said* I am, which
    is another thing entirely;"
    Umm I don't follow. How could your DNA (I would waver on this one
    since I heard somewhere that twins could have the same DNA),
    fingerprint, retinal scan, etc, not be unique to you and only you? Nor
    am I buying the movie version of someone getting their finger cut off
    by a thief for accessing their bank account or maybe I am
    misunderstanding what you are trying to say. Currently, with ID theft
    you don't see bad guys walking up to people on the street, point a gun
    at them and demand their SSN, or credit cards do you?

    Based on history, the tendency is to subvert the technology, not
    attack people (in regards to personal information). Also, from what
    some vendors have told me is that the technology requires blood
    pressure in order to work correctly (but I have read that it can be
    subverted by silly putty). Remember I am not saying that the
    technology is perfect, I am saying the concept of biometrics is what
    can valdate someones identity because it is something of us.

    6/30/06, James Pujals <james.pujals (AT) sterlingpayment (DOT) comwrote:
    Hello:
    But even when biometric authentication "works", it still does not prove my _identity_, it just proves that I am who *I said* I am, which is another thing entirely; and some might say is its most obvious point of failure. What's worse, as opposed to other 2-factor authentication methods (e.g. something I have, something I know), the "something I have" with biometrics, or as you say the "something I am" is not easily or practically replaceable if by chance it gets subverted. And thus, given its inherent value and importance to its owner (I'm pretty sure we all want to keep all our fingers, eyes, etc.), the more value placed on the payload it guards (i.e. bank account, medical records, credit history, etc.), the higher the risk increases for its owner; as not only can someone clean up your savings account, but they will necessarily have to kill, maim, or otherwise molest of you in the process.

    -dZ.

    From: Tim [mailto:pand0ra.usa (AT) gmail (DOT) com]
    Sent: Fri 06/30/2006 11:45
    To: Andrew van der Stock
    Cc: Webappsec Mail List
    Subject: Re: Two-Factor Authentication on the Web
    >
    >
    >

    What I was trying to say is that you can only authenticate someone
    through biometrics because it is something that they are. I do not
    dispute that technology can be subverted or that people can be
    manipulated. What I am trying to say is that a label (name, ssn)
    cannot be trusted, especially nowadays. I feel the same in that
    regristration would have to be done in person but again that is
    impractical. Again, I am not saying that the current biometrics
    technology is an adequate solution. Just that the concept of
    biometrics is the only way to validate someone's identity.

    You seem to be very familiar with biometrics, can you provide some
    examples of products that you have experience with that you would
    consider to be a scam and what ones (regardless of expense) are
    adequate?

    Sponsored by: Watchfire

    As web applications become increasingly complex, tremendous amounts of
    sensitive data - personal, medical and financial - are exchanged, and
    stored. Consumers expect and demand security for this information. This
    whitepaper examines a few vulnerability detection methods - specifically
    comparing and contrasting manual penetration testing with automated
    scanning tools. Download "Automated Scanning or Manual Penetration
    Testing?" today!

  • No.7 | | 5295 bytes | |

    >"How could your DNA (I would waver on this one
    since I heard somewhere that twins could have the same DNA),
    fingerprint, retinal scan, etc, not be unique to you and only you? Nor
    am I buying the movie version of someone getting their finger cut off
    by a thief for accessing their bank account or maybe I am
    misunderstanding what you are trying to say."

    I see I didn't explain myself properly. My DNA, fingerprint, or retinal scan is perfectly useless for authentication unless there is a "known" baseline copy stored by the authenticating system to compare it to. That means that my DNA, fingerprint, or retinal scan does not prove who *I am* as an individual, but it proves that I am whomever your system associates with its stored credentials, be it a specific customer, citizen, employee, or pet. This makes the security of the registration process a highly critical point for the integrity of the system. And since part of the topic at hand is remote enrollment for online web applications, this dependence on the "infallibility" of biometrics is dangerous.

    -dZ.

    From: Tim [mailto:pand0ra.usa (AT) gmail (DOT) com]
    Sent: Fri 06/30/2006 20:04
    To: James Pujals
    Cc: Andrew van der Stock; Webappsec Mail List
    Subject: Re: Two-Factor Authentication on the Web

    The 3 factors of authentication are:
    Something you have (i.e. a token, card, etc)
    Something you know (i.e. a password)
    or
    Something you are (i.e. a fingerprint, DNA, etc)

    "But even when biometric authentication "works", it still does not
    prove my _identity_, it just proves that I am who *I said* I am, which
    is another thing entirely;"
    Umm I don't follow. How could your DNA (I would waver on this one
    since I heard somewhere that twins could have the same DNA),
    fingerprint, retinal scan, etc, not be unique to you and only you? Nor
    am I buying the movie version of someone getting their finger cut off
    by a thief for accessing their bank account or maybe I am
    misunderstanding what you are trying to say. Currently, with ID theft
    you don't see bad guys walking up to people on the street, point a gun
    at them and demand their SSN, or credit cards do you?

    Based on history, the tendency is to subvert the technology, not
    attack people (in regards to personal information). Also, from what
    some vendors have told me is that the technology requires blood
    pressure in order to work correctly (but I have read that it can be
    subverted by silly putty). Remember I am not saying that the
    technology is perfect, I am saying the concept of biometrics is what
    can valdate someones identity because it is something of us.

    6/30/06, James Pujals <james.pujals (AT) sterlingpayment (DOT) comwrote:
    Hello:
    But even when biometric authentication "works", it still does not prove my _identity_, it just proves that I am who *I said* I am, which is another thing entirely; and some might say is its most obvious point of failure. What's worse, as opposed to other 2-factor authentication methods (e.g. something I have, something I know), the "something I have" with biometrics, or as you say the "something I am" is not easily or practically replaceable if by chance it gets subverted. And thus, given its inherent value and importance to its owner (I'm pretty sure we all want to keep all our fingers, eyes, etc.), the more value placed on the payload it guards (i.e. bank account, medical records, credit history, etc.), the higher the risk increases for its owner; as not only can someone clean up your savings account, but they will necessarily have to kill, maim, or otherwise molest of you in the process.

    -dZ.

    From: Tim [mailto:pand0ra.usa (AT) gmail (DOT) com]
    Sent: Fri 06/30/2006 11:45
    To: Andrew van der Stock
    Cc: Webappsec Mail List
    Subject: Re: Two-Factor Authentication on the Web
    >
    >
    >

    What I was trying to say is that you can only authenticate someone
    through biometrics because it is something that they are. I do not
    dispute that technology can be subverted or that people can be
    manipulated. What I am trying to say is that a label (name, ssn)
    cannot be trusted, especially nowadays. I feel the same in that
    regristration would have to be done in person but again that is
    impractical. Again, I am not saying that the current biometrics
    technology is an adequate solution. Just that the concept of
    biometrics is the only way to validate someone's identity.

    You seem to be very familiar with biometrics, can you provide some
    examples of products that you have experience with that you would
    consider to be a scam and what ones (regardless of expense) are
    adequate?

    Sponsored by: Watchfire

    Securing a web application goes far beyond testing the application using
    manual processes, or by using automated systems and tools. Watchfire's
    "Web Application Security: Automated Scanning or Manual Penetration
    Testing?" whitepaper examines a few vulnerability detection methods -
    specifically comparing and contrasting manual penetration testing with
    automated scanning tools. Download it today!

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