A Secure Mobile-based Authentication System

Financial information is extremely sensitive. Hence, electronic banking must provide a robust system to authenticate its customers and let them access their data remotely. On the other hand, such system must be usable, affordable, and portable.We propose a challengeresponse based one-time password (OTP) scheme that uses symmetric cryptography in combination with a hardware security module. The proposed protocol safeguards passwords from keyloggers and phishing attacks. Besides, this solution provides convenient mobility for users who want to bank online anytime and anywhere, not just from their own trusted computers.La informació financera és extremadament sensible. Per tant, la banca electrònica ha de proporcionar un sistema robust per autenticar als seus clients i fer-los accedir a les dades de forma remota. D'altra banda, aquest sistema ha de ser usable, accessible, i portàtil. Es proposa una resposta al desafiament basat en una contrasenya única (OTP), esquema que utilitza la criptografia simètrica en combinació amb un mòdul de maquinari de seguretat. Amés, aquesta solució ofereix mobilitat convenient per als usuaris que volen bancària en línia en qualsevol moment i en qualsevol lloc, no només des dels seus propis equips de confiança.La información financiera es extremadamente sensible. Por lo tanto, la banca electrónica debe proporcionar un sistema robusto para autenticar a sus clientes y hacerles acceder a sus datos de forma remota. Por otra parte, dicho sistema debe ser usable, accesible, y portátil. Se propone una respuesta al desafío basado en una contraseña única (OTP), esquema que utiliza la criptografía simétrica en combinación con un módulo hardware de seguridad hardware. Además, esta solución ofrece una movilidad conveniente para los usuarios que quieren la entidad bancaria en línea en cualquier momento y en cualquier lugar, no sólo des de sus propios equipos de confianza

IAMS framework: a new framework for acceptable user experiences for integrating physical and virtual identity access management systems

The modern world is populated with so many virtual and physical Identity Access Management Systems (IAMSs) that individuals are required to maintain numerous passwords and login credentials. The tedious task of remembering multiple login credentials can be minimised through the utilisation of an innovative approach of single sign-in mechanisms. During recent times, several systems have been developed to provide physical and virtual identity management systems; however, most have not been very successful. Many of the available systems do not provide the feature of virtual access on mobile devices via the internet; this proves to be a limiting factor in the usage of the systems. Physical spaces, such as offices and government entities, are also favourable places for the deployment of interoperable physical and virtual identity management systems, although this area has only been explored to a minimal level. Alongside increasing the level of awareness for the need to deploy interoperable physical and virtual identity management systems, this paper addresses the immediate need to establish clear standards and guidelines for successful integration of the two medium

Building a truster environment for e-business : a Malaysian perspective

Internet identify ‘security’ as a major concern for businesses. In general, the level of security in any network environment is closely linked to the level of trust assigned to a particular individual or organization within that environment. It is the trust element that is crucial in ensuring a secure environment. Besides physical security, security technology needs to be utilised to provide a trusted environment for e-business. Network security components for perimeter defense, i.e., Virtual Private Networks, firewalls and Intrusion Detection Systems, need to be complemented by security components at the applications and user level, e.g., authentication of user. ID or password security solution may be an option but now with the availability of legally binding digital certificates, security in e-business transactions can be further improved. Time and date stamping of e-business transactions are also of concern to prove at a later date that the transactions took place at the stipulated date and time. Digital certificates are part of a Public Key Infrastructure (PKI) scheme, which is an enabling technology for building a trusted epvironment. PIU comprise policies and procedures for establishing a secure method for exchanging information over a network environment. The Digital Signature Act 1997 (DSA 1997) facilitates the PKI implementation in Malaysia. Following the DSA 1997, Certification Authorities (CAs) were set up in Malaysia. This paper describes a trusted platform for spurring ebusiness and provides a Malaysian perspective of it

Design of a secure unified e-payment system in Nigeria: A case study

The automatic teller machine (ATM) is the most widely used e-Payment instrument in Nigeria. It is responsible for about 89% (in volume) of all e-Payment instruments since 2006 to 2008. Some customers have at least two ATM cards depending on the number of accounts operated by them and they represent the active users of the ATM cards. Furthermore, identity theft has been identified as one of the most prominent problems hindering the wider adoption of e-Business, particularly e-Banking, hence the need for a more secure platform of operation. Therefore, in this paper we propose a unified (single) smart card-based ATM card with biometric-based cash dispenser for all banking transactions. This is to reduce the number of ATM cards carried by an individual and the biometric facility is to introduce another level of security in addition to the PIN which is currently being used. A set of questionnaire was designed to evaluate the acceptability of this concept among users and the architecture of the proposed system is presented

Keys in the Clouds: Auditable Multi-device Access to Cryptographic Credentials

Personal cryptographic keys are the foundation of many secure services, but storing these keys securely is a challenge, especially if they are used from multiple devices. Storing keys in a centralized location, like an Internet-accessible server, raises serious security concerns (e.g. server compromise). Hardware-based Trusted Execution Environments (TEEs) are a well-known solution for protecting sensitive data in untrusted environments, and are now becoming available on commodity server platforms. Although the idea of protecting keys using a server-side TEE is straight-forward, in this paper we validate this approach and show that it enables new desirable functionality. We describe the design, implementation, and evaluation of a TEE-based Cloud Key Store (CKS), an online service for securely generating, storing, and using personal cryptographic keys. Using remote attestation, users receive strong assurance about the behaviour of the CKS, and can authenticate themselves using passwords while avoiding typical risks of password-based authentication like password theft or phishing. In addition, this design allows users to i) define policy-based access controls for keys; ii) delegate keys to other CKS users for a specified time and/or a limited number of uses; and iii) audit all key usages via a secure audit log. We have implemented a proof of concept CKS using Intel SGX and integrated this into GnuPG on Linux and OpenKeychain on Android. Our CKS implementation performs approximately 6,000 signature operations per second on a single desktop PC. The latency is in the same order of magnitude as using locally-stored keys, and 20x faster than smart cards.Comment: Extended version of a paper to appear in the 3rd Workshop on Security, Privacy, and Identity Management in the Cloud (SECPID) 201

Body language, security and e-commerce

Security is becoming an increasingly more important concern both at the desktop level and at the network level. This article discusses several approaches to authenticating individuals through the use of biometric devices. While libraries might not implement such devices, they may appear in the near future of desktop computing, particularly for access to institutional computers or for access to sensitive information. Other approaches to computer security focus on protecting the contents of electronic transmissions and verification of individual users. After a brief overview of encryption technologies, the article examines public-key cryptography which is getting a lot of attention in the business world in what is called public key infrastructure. It also examines other efforts, such as IBM’s Cryptolope, the Secure Sockets Layer of Web browsers, and Digital Certificates and Signatures. Secure electronic transmissions are an important condition for conducting business on the Net. These business transactions are not limited to purchase orders, invoices, and contracts. This could become an important tool for information vendors and publishers to control access to the electronic resources they license. As license negotiators and contract administrators, librarians need to be aware of what is happening in these new technologies and the impact that will have on their operations

Towards NFC payments using a lightweight architecture for the Web of Things

The Web (and Internet) of Things has seen the rapid emergence of new protocols and standards, which provide for innovative models of interaction for applications. One such model fostered by the Web of Things (WoT) ecosystem is that of contactless interaction between devices. Near Field Communication (NFC) technology is one such enabler of contactless interactions. Contactless technology for the WoT requires all parties to agree one common definition and implementation and, in this paper, we propose a new lightweight architecture for the WoT, based on RESTful approaches. We show how the proposed architecture supports the concept of a mobile wallet, enabling users to make secure payments employing NFC technology with their mobile devices. In so doing, we argue that the vision of the WoT is brought a step closer to fruition