Development of a secure multi-factor authentication algorithm for mobile money applications

A Thesis Submitted in Fulfillment of the Requirements for the Degree of Doctor of Philosophy in Information and Communication Science and Engineering of the Nelson Mandela African Institution of Science and TechnologyWith the evolution of industry 4.0, financial technologies have become paramount and mobile money as one of the financial technologies has immensely contributed to improving financial inclusion among the unbanked population. Several mobile money schemes were developed but, they suffered severe authentication security challenges since they implemented two-factor authentication. This study focused on developing a secure multi-factor authentication (MFA) algorithm for mobile money applications. It uses personal identification numbers, one-time passwords, biometric fingerprints, and quick response codes to authenticate and authorize mobile money subscribers. Secure hash algorithm-256, Rivest-Shamir-Adleman encryption, and Fernet encryption were used to secure the authentication factors, confidential financial information and data before transmission to the remote databases. A literature review, survey, evolutionary prototyping model, and heuristic evaluation and usability testing methods were used to identify authentication issues, develop prototypes of native genuine mobile money (G-MoMo) applications, and identify usability issues with the interface designs and ascertain their usability, respectively. The results of the review grouped the threat models into attacks against privacy, authentication, confidentiality, integrity, and availability. The survey identified authentication attacks, identity theft, phishing attacks, and PIN sharing as the key mobile money systems’ security issues. The researcher designed a secure MFA algorithm for mobile money applications and developed three native G-MoMo applications to implement the designed algorithm to prove the feasibility of the algorithm and that it provided robust security. The algorithm was resilient to non-repudiation, ensured strong authentication security, data confidentiality, integrity, privacy, and user anonymity, was highly effective against several attacks but had high communication overhead and computational costs. Nevertheless, the heuristic evaluation results showed that the G-MoMo applications’ interface designs lacked forward navigation buttons, uniformity in the applications’ menu titles, search fields, actions needed for recovery, and help and documentation. Similarly, the usability testing revealed that they were easy to learn, effective, efficient, memorable, with few errors, subscriber satisfaction, easy to use, aesthetic, easy to integrate, and understandable. Implementing a secure mobile money authentication and authorisation by combining multiple factors which are securely stored helps mobile money subscribers and other stakeholders to have trust in the developed native G-MoMo applications

Authentication and Identity Management for the EPOS Project

The increase in the number of online services emphasizes the value of authentication and identity management that we, even without realizing, depend on. In EPOS this authentication and identity management are also crucial, by dealing and being responsible for large amounts of heterogeneous data in multiple formats and from various providers, that can be public or private. Controlling and identify the access to this data is the key. For this purpose, it is necessary to create a system capable of authenticating, authorizing, and account the usage of these services. While services in a development phase can have authentication and authorization modules directly implemented in them, this is not an option for legacy services that cannot be modified. This thesis regards the issue of providing secure and interoperable authentication and authorization framework, associated with correct identity management and an accounting module, stating the difficulties faced and how to be addressed. These issues are approached by implementing the proposed methods in one of the GNSS Data and Products TCS services, that will serve as a study case. While authentication mechanisms have improved constantly over the years, with the addition of multiple authentication factors, there is still not a clear and defined way of how authentication should be done. New security threats are always showing up, and authentication systems need to adapt and improve while maintaining a balance between security and usability. Our goal is, therefore, to propose a system that can provide a good user experience allied to security, which can be used in the TCS services or other web services facing similar problems.A importância da autenticação e gestão de identidades, de que dependemos inconscientemente, aumenta com o crescimento do número de serviços online ao nosso dispor. No EPOS, devido à disponibilização e gestão de dados heterogéneos de várias entidades, que podem ser públicas ou privadas, a existência de um sistema de autenticação e gestão de identidades é também crucial, em que o controlo e identificação do acesso a estes dados é a chave. Numa fase de desenvolvimento dos serviços, estes módulos de autenticação e autorização podem ser diretamente implementados e é possível existir uma adaptação do software aos mesmos. No entanto, há serviços já existentes, cujas alterações implicam mudanças de grande escala e uma reformulação de todo o sistema, e como tal não é exequível fazer alterações diretas aos mesmos. Esta dissertação aborda o desenvolvimento de um sistema de autenticação e autorização seguro e interoperável, associado a uma correta gestão de identidades e um módulo de controlo, identificando os problemas encontrados e propondo soluções para os mesmos. Este desenvolvimento é aplicado num dos serviços do TCS GNSS Data and Products e servirá como caso de estudo. Embora os mecanismos de autenticação tenham melhorado continuamente ao longo dos anos, com a adição de vários fatores de autenticação, ainda não existe um método único e claro de como a autenticação deve ser feita. Novas ameaças estão sempre a surgir e os sistemas atuais precisam de se adaptar e melhorar, mantendo um equilíbrio entre segurança e usabilidade. O nosso objetivo é propor um sistema que possa aliar a segurança a uma boa experiência para o utilizador, e que possa ser utilizado não só nos serviços do TCS, mas também em outros serviços web que enfrentem problemas semelhantes

Image-based Authentication

Mobile and wearable devices are popular platforms for accessing online services. However, the small form factor of such devices, makes a secure and practical experience for user authentication, challenging. Further, online fraud that includes phishing attacks, has revealed the importance of conversely providing solutions for usable authentication of remote services to online users. In this thesis, we introduce image-based solutions for mutual authentication between a user and a remote service provider. First, we propose and develop Pixie, a two-factor, object-based authentication solution for camera-equipped mobile and wearable devices. We further design ai.lock, a system that reliably extracts from images, authentication credentials similar to biometrics. Second, we introduce CEAL, a system to generate visual key fingerprint representations of arbitrary binary strings, to be used to visually authenticate online entities and their cryptographic keys. CEAL leverages deep learning to capture the target style and domain of training images, into a generator model from a large collection of sample images rather than hand curated as a collection of rules, hence provides a unique capacity for easy customizability. CEAL integrates a model of the visual discriminative ability of human perception, hence the resulting fingerprint image generator avoids mapping distinct keys to images which are not distinguishable by humans. Further, CEAL deterministically generates visually pleasing fingerprint images from an input vector where the vector components are designated to represent visual properties which are either readily perceptible to human eye, or imperceptible yet are necessary for accurately modeling the target image domain. We show that image-based authentication using Pixie is usable and fast, while ai.lock extracts authentication credentials that exceed the entropy of biometrics. Further, we show that CEAL outperforms state-of-the-art solution in terms of efficiency, usability, and resilience to powerful adversarial attacks

Identity Management and Authorization Infrastructure in Secure Mobile Access to Electronic Health Records

We live in an age of the mobile paradigm of anytime/anywhere access, as the mobile device is the most ubiquitous device that people now hold. Due to their portability, availability, easy of use, communication, access and sharing of information within various domains and areas of our daily lives, the acceptance and adoption of these devices is still growing. However, due to their potential and raising numbers, mobile devices are a growing target for attackers and, like other technologies, mobile applications are still vulnerable. Health information systems are composed with tools and software to collect, manage, analyze and process medical information (such as electronic health records and personal health records). Therefore, such systems can empower the performance and maintenance of health services, promoting availability, readability, accessibility and data sharing of vital information about a patients overall medical history, between geographic fragmented health services. Quick access to information presents a great importance in the health sector, as it accelerates work processes, resulting in better time utilization. Additionally, it may increase the quality of care. However health information systems store and manage highly sensitive data, which raises serious concerns regarding patients privacy and safety, and may explain the still increasing number of malicious incidents reports within the health domain. Data related to health information systems are highly sensitive and subject to severe legal and regulatory restrictions, that aim to protect the individual rights and privacy of patients. Along side with these legislations, security requirements must be analyzed and measures implemented. Within the necessary security requirements to access health data, secure authentication, identity management and access control are essential to provide adequate means to protect data from unauthorized accesses. However, besides the use of simple authentication models, traditional access control models are commonly based on predefined access policies and roles, and are inflexible. This results in uniform access control decisions through people, different type of devices, environments and situational conditions, and across enterprises, location and time. Although already existent models allow to ensure the needs of the health care systems, they still lack components for dynamicity and privacy protection, which leads to not have desire levels of security and to the patient not to have a full and easy control of his privacy. Within this master thesis, after a deep research and review of the stat of art, was published a novel dynamic access control model, Socio-Technical Risk-Adaptable Access Control modEl (SoTRAACE), which can model the inherent differences and security requirements that are present in this thesis. To do this, SoTRAACE aggregates attributes from various domains to help performing a risk assessment at the moment of the request. The assessment of the risk factors identified in this work is based in a Delphi Study. A set of security experts from various domains were selected, to classify the impact in the risk assessment of each attribute that SoTRAACE aggregates. SoTRAACE was integrated in an architecture with requirements well-founded, and based in the best recommendations and standards (OWASP, NIST 800-53, NIST 800-57), as well based in deep review of the state-of-art. The architecture is further targeted with the essential security analysis and the threat model. As proof of concept, the proposed access control model was implemented within the user-centric architecture, with two mobile prototypes for several types of accesses by patients and healthcare professionals, as well the web servers that handles the access requests, authentication and identity management. The proof of concept shows that the model works as expected, with transparency, assuring privacy and data control to the user without impact for user experience and interaction. It is clear that the model can be extended to other industry domains, and new levels of risks or attributes can be added because it is modular. The architecture also works as expected, assuring secure authentication with multifactor, and secure data share/access based in SoTRAACE decisions. The communication channel that SoTRAACE uses was also protected with a digital certificate. At last, the architecture was tested within different Android versions, tested with static and dynamic analysis and with tests with security tools. Future work includes the integration of health data standards and evaluating the proposed system by collecting users’ opinion after releasing the system to real world.Hoje em dia vivemos em um paradigma móvel de acesso em qualquer lugar/hora, sendo que os dispositivos móveis são a tecnologia mais presente no dia a dia da sociedade. Devido à sua portabilidade, disponibilidade, fácil manuseamento, poder de comunicação, acesso e partilha de informação referentes a várias áreas e domínios das nossas vidas, a aceitação e integração destes dispositivos é cada vez maior. No entanto, devido ao seu potencial e aumento do número de utilizadores, os dispositivos móveis são cada vez mais alvos de ataques, e tal como outras tecnologias, aplicações móveis continuam a ser vulneráveis. Sistemas de informação de saúde são compostos por ferramentas e softwares que permitem recolher, administrar, analisar e processar informação médica (tais como documentos de saúde eletrónicos). Portanto, tais sistemas podem potencializar a performance e a manutenção dos serviços de saúde, promovendo assim a disponibilidade, acessibilidade e a partilha de dados vitais referentes ao registro médico geral dos pacientes, entre serviços e instituições que estão geograficamente fragmentadas. O rápido acesso a informações médicas apresenta uma grande importância para o setor da saúde, dado que acelera os processos de trabalho, resultando assim numa melhor eficiência na utilização do tempo e recursos. Consequentemente haverá uma melhor qualidade de tratamento. Porém os sistemas de informação de saúde armazenam e manuseiam dados bastantes sensíveis, o que levanta sérias preocupações referentes à privacidade e segurança do paciente. Assim se explica o aumento de incidentes maliciosos dentro do domínio da saúde. Os dados de saúde são altamente sensíveis e são sujeitos a severas leis e restrições regulamentares, que pretendem assegurar a proteção dos direitos e privacidade dos pacientes, salvaguardando os seus dados de saúde. Juntamente com estas legislações, requerimentos de segurança devem ser analisados e medidas implementadas. Dentro dos requerimentos necessários para aceder aos dados de saúde, uma autenticação segura, gestão de identidade e controlos de acesso são essenciais para fornecer meios adequados para a proteção de dados contra acessos não autorizados. No entanto, além do uso de modelos simples de autenticação, os modelos tradicionais de controlo de acesso são normalmente baseados em políticas de acesso e cargos pré-definidos, e são inflexíveis. Isto resulta em decisões de controlo de acesso uniformes para diferentes pessoas, tipos de dispositivo, ambientes e condições situacionais, empresas, localizações e diferentes alturas no tempo. Apesar dos modelos existentes permitirem assegurar algumas necessidades dos sistemas de saúde, ainda há escassez de componentes para accesso dinâmico e proteção de privacidade , o que resultam em níveis de segurança não satisfatórios e em o paciente não ter controlo directo e total sobre a sua privacidade e documentos de saúde. Dentro desta tese de mestrado, depois da investigação e revisão intensiva do estado da arte, foi publicado um modelo inovador de controlo de acesso, chamado SoTRAACE, que molda as diferenças de acesso inerentes e requerimentos de segurança presentes nesta tese. Para isto, o SoTRAACE agrega atributos de vários ambientes e domínios que ajudam a executar uma avaliação de riscos, no momento em que os dados são requisitados. A avaliação dos fatores de risco identificados neste trabalho são baseados num estudo de Delphi. Um conjunto de peritos de segurança de vários domínios industriais foram selecionados, para classificar o impacto de cada atributo que o SoTRAACE agrega. O SoTRAACE foi integrado numa arquitectura para acesso a dados médicos, com requerimentos bem fundados, baseados nas melhores normas e recomendações (OWASP, NIST 800-53, NIST 800-57), e em revisões intensivas do estado da arte. Esta arquitectura é posteriormente alvo de uma análise de segurança e modelos de ataque. Como prova deste conceito, o modelo de controlo de acesso proposto é implementado juntamente com uma arquitetura focada no utilizador, com dois protótipos para aplicações móveis, que providênciam vários tipos de acesso de pacientes e profissionais de saúde. A arquitetura é constituída também por servidores web que tratam da gestão de dados, controlo de acesso e autenticação e gestão de identidade. O resultado final mostra que o modelo funciona como esperado, com transparência, assegurando a privacidade e o controlo de dados para o utilizador, sem ter impacto na sua interação e experiência. Consequentemente este modelo pode-se extender para outros setores industriais, e novos níveis de risco ou atributos podem ser adicionados a este mesmo, por ser modular. A arquitetura também funciona como esperado, assegurando uma autenticação segura com multi-fator, acesso e partilha de dados segura baseado em decisões do SoTRAACE. O canal de comunicação que o SoTRAACE usa foi também protegido com um certificado digital. A arquitectura foi testada em diferentes versões de Android, e foi alvo de análise estática, dinâmica e testes com ferramentas de segurança. Para trabalho futuro está planeado a integração de normas de dados de saúde e a avaliação do sistema proposto, através da recolha de opiniões de utilizadores no mundo real

Authentication, Authorization and Accounting with Ethereum Blockchain

Over past decade cloud services have enabled individuals and organizations to perform different types of tasks such as online storage, email services, on-demand movies and TV shows. The cloud services has also enabled on-demand deployment of applications, at cheap cost with elastic and scalable, fault tolerant system. These cloud services are offered by cloud providers who use authentication, authorization and accounting framework based on client-server model. Though this model has been used over decades, study shows it is vulnerable to different hacks and it is also inconvenient to use for the end users. In addition, the cloud provider has total control over user data which they are able to monitor, trace, leak and even modify at their will. Thus, the user data ownership, digital identity and use of cloud services has raised privacy and security concern for the users. In this thesis, Blockchain and its applications are studied and alternative model for authentication, authorization and accounting is proposed based on Ethereum Blockchain. Furthermore, a prototype is developed which enables users to consume cloud services by authenticating, authorizing and accounting with a single identity without sharing any private user data. Experiments are run with the prototype to verify that it works as expected. Measurements are done to assess the feasibility and scalability of the solution. In the final part of the thesis, pros and cons of the proposed solution are discussed and perspectives for further research are sketched

Portugal: Leapfrogging Digital Transformation

This report is structured as follow: Section 1 presents details about Portugal enabling or inhibiting its digital transformation. Section 2 analyzes the main motivations for the digital transformation strategy; Section 3 summarizes its main challenges, while Section 4 presents the main components of the strategy. Section 5 analyzes the governance model, and Section 6, the legal and regulatory framework. Section 7 discusses critical enablers for the digital transformation of government services. Section 8 introduces 16 key initiatives of the strategy. Section 9 summarizes the lessons learnt, followed by an assessment of the strategy’s impact in Section 10. Section 11 synthesizes lessons for Latin American countries. Finally, Appendix A enumerates main legal and regulatory instruments supporting the digital transformation in Portugal, Appendix B presents a set of 18 sections providing details of the initiatives analyzed in the report1, and Appendix C explains how the digital transformation efforts contributed to face the challenges raised by the COVID-19 pandemics.Fil: Estevez, Elsa Clara. Consejo Nacional de Investigaciones Científicas y Técnicas; Argentina. Universidad Nacional de La Plata; ArgentinaFil: Fillottrani, Pablo. Provincia de Buenos Aires. Gobernación. Comisión de Investigaciones Científicas; Argentina. Universidad Nacional del Sur; ArgentinaFil: Linares, Sebastián. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Investigaciones Económicas y Sociales del Sur. Universidad Nacional del Sur. Departamento de Economía. Instituto de Investigaciones Económicas y Sociales del Sur; ArgentinaFil: Cledou, Maria Guillermina. Universidade do Minho; Portuga

Social, Private, and Trusted Wearable Technology under Cloud-Aided Intermittent Wireless Connectivity

There has been an unprecedented increase in the use of smart devices globally, together with novel forms of communication, computing, and control technologies that have paved the way for a new category of devices, known as high-end wearables. While massive deployments of these objects may improve the lives of people, unauthorized access to the said private equipment and its connectivity is potentially dangerous. Hence, communication enablers together with highly-secure human authentication mechanisms have to be designed.In addition, it is important to understand how human beings, as the primary users, interact with wearable devices on a day-to-day basis; usage should be comfortable, seamless, user-friendly, and mindful of urban dynamics. Usually the connectivity between wearables and the cloud is executed through the user’s more power independent gateway: this will usually be a smartphone, which may have potentially unreliable infrastructure connectivity. In response to these unique challenges, this thesis advocates for the adoption of direct, secure, proximity-based communication enablers enhanced with multi-factor authentication (hereafter refereed to MFA) that can integrate/interact with wearable technology. Their intelligent combination together with the connection establishment automation relying on the device/user social relations would allow to reliably grant or deny access in cases of both stable and intermittent connectivity to the trusted authority running in the cloud.The introduction will list the main communication paradigms, applications, conventional network architectures, and any relevant wearable-specific challenges. Next, the work examines the improved architecture and security enablers for clusterization between wearable gateways with a proximity-based communication as a baseline. Relying on this architecture, the author then elaborates on the social ties potentially overlaying the direct connectivity management in cases of both reliable and unreliable connection to the trusted cloud. The author discusses that social-aware cooperation and trust relations between users and/or the devices themselves are beneficial for the architecture under proposal. Next, the author introduces a protocol suite that enables temporary delegation of personal device use dependent on different connectivity conditions to the cloud.After these discussions, the wearable technology is analyzed as a biometric and behavior data provider for enabling MFA. The conventional approaches of the authentication factor combination strategies are compared with the ‘intelligent’ method proposed further. The assessment finds significant advantages to the developed solution over existing ones.On the practical side, the performance evaluation of existing cryptographic primitives, as part of the experimental work, shows the possibility of developing the experimental methods further on modern wearable devices.In summary, the set of enablers developed here for wearable technology connectivity is aimed at enriching people’s everyday lives in a secure and usable way, in cases when communication to the cloud is not consistently available

Moving usable security research out of the lab: evaluating the use of VR studies for real-world authentication research

Empirical evaluations of real-world research artefacts that derive results from observations and experiments are a core aspect of usable security research. Expert interviews as part of this thesis revealed that the costs associated with developing and maintaining physical research artefacts often amplify human-centred usability and security research challenges. On top of that, ethical and legal barriers often make usability and security research in the field infeasible. Researchers have begun simulating real-life conditions in the lab to contribute to ecological validity. However, studies of this type are still restricted to what can be replicated in physical laboratory settings. Furthermore, historically, user study subjects were mainly recruited from local areas only when evaluating hardware prototypes. The human-centred research communities have recognised and partially addressed these challenges using online studies such as surveys that allow for the recruitment of large and diverse samples as well as learning about user behaviour. However, human-centred security research involving hardware prototypes is often concerned with human factors and their impact on the prototypes’ usability and security, which cannot be studied using traditional online surveys. To work towards addressing the current challenges and facilitating research in this space, this thesis explores if – and how – virtual reality (VR) studies can be used for real-world usability and security research. It first validates the feasibility and then demonstrates the use of VR studies for human-centred usability and security research through six empirical studies, including remote and lab VR studies as well as video prototypes as part of online surveys. It was found that VR-based usability and security evaluations of authentication prototypes, where users provide touch, mid-air, and eye-gaze input, greatly match the findings from the original real-world evaluations. This thesis further investigated the effectiveness of VR studies by exploring three core topics in the authentication domain: First, the challenges around in-the-wild shoulder surfing studies were addressed. Two novel VR shoulder surfing methods were implemented to contribute towards realistic shoulder surfing research and explore the use of VR studies for security evaluations. This was found to allow researchers to provide a bridge over the methodological gap between lab and field studies. Second, the ethical and legal barriers when conducting in situ usability research on authentication systems were addressed. It was found that VR studies can represent plausible authentication environments and that a prototype’s in situ usability evaluation results deviate from traditional lab evaluations. Finally, this thesis contributes a novel evaluation method to remotely study interactive VR replicas of real-world prototypes, allowing researchers to move experiments that involve hardware prototypes out of physical laboratories and potentially increase a sample’s diversity and size. The thesis concludes by discussing the implications of using VR studies for prototype usability and security evaluations. It lays the foundation for establishing VR studies as a powerful, well-evaluated research method and unfolds its methodological advantages and disadvantages

Propuesta de diseño de las funcionalidades de retiros y consultas en ATM basado en el marco de Diseño Centrado en el Usuario

Los cajeros automáticos son canales importantes, beneficiosos y de uso rutinario. No obstante, en la literatura se pudo identificar un conjunto de problemas de usabilidad referentes a las interfaces de los cajeros automáticos, de ello que los usuarios sientan insatisfacción por la dificultad de uso, el diseño y los errores que este diseño los lleva a cometer. Así mismo, existe una brecha entre las expectativas del usuario y sus percepciones con respecto a lo que ofrecen actualmente estas interfaces. La presente tesis propone, como solución a la problemática anterior, un diseño de interfaces para cajeros automáticos sobre las funcionalidades de retiros y consultas con un alto grado de usabilidad siguiendo el marco de trabajo de Diseño Centrado en el Usuario especializado para cajeros automáticos. El marco que se utilizó consta de cuatro fases: Contexto, Requerimientos, Diseño y Evaluación. En la primera fase se realizaron entrevistas y encuestas que permitieron conocer las dificultades y necesidades actuales de los usuarios en el uso de cajeros automáticos con un enfoque en las funcionalidades de retiros y consultas. Luego, en la fase de requerimientos, se analizó la información obtenida en la fase anterior y se identificó tres perfiles de usuario para los cuales se formularon historias de usuario que contemplaban los requerimientos. En la fase de diseño, se plasmaron los requerimientos en interfaces en papel y posteriormente en interfaces en alto nivel. En la fase de evaluación, se realizó la validación de las interfaces con expertos en usabilidad para verificar que estas siguieran buenas prácticas de diseño. Posterior a ello, se hicieron dos validaciones con usuarios, con el fin de medir el grado de usabilidad, identificar problemas, solucionarlos y validar las interfaces nuevamente. Finalmente, se obtuvo un alto grado de usabilidad

Analysing usability and security issues in design and development of information systems

Recent technological advancements and the global economic challenges have meant that, individuals and businesses are constantly seeking new ways to exploit Information Systems (IS) and in manners that not only enhance user experiences and/or improve business processes and productivity, but also protect the individual‟s privacy and business assets for competitive advantage. Therefore, Information Systems need to be designed and developed to meet these challenges and/or other objectives. This thesis will delve primarily into the history of IS as a basis for establishing where the problem(s) lie or emanate from. It will focus on critically analysing existing Information Systems, and investigating the conflicting issues of usability and security, from an Information Systems Design and Development perspective by analysing various approaches. An in-depth review of literature and critical analysis of requirements necessary for the design and development of a usable and secure Information System will be carried out and will form the intellectual framework for this research. The premise therefore, is to look for a balanced approach or appropriate trade-off framework for designing usable-secure systems. The research will conclude with a discussion on how an envisaged conceptual framework or model can be developed based on certain influential factors, and how the framework can be experimentally evaluated, and to suggest areas for further improvement or future research