With the recent news that researchers from SR Labs in Germany have successfully fooled (spoofed) the Samsung Galaxy S5's integrated fingerprint sensor; allowing unauthorised access to the device and the ability to make payments using the PayPal app, there are questions as to how secure fingerprint biometrics are for authentication. These questions are justified.
An authentication solution can be convenient but it must also be secure.
A fingerprint biometric can be more convenient than using a PIN or password especially on a mobile phone. By touching or swiping a finger over a sensor a person can quickly unlock a device, gain access to an account or make a payment. However, if the sensor can be easily fooled than the solution is fundamentally flawed.
The key point in my last sentence was "easily fooled". Attacks on fingerprint biometric systems are relatively difficult to carry out. As Marc Rogers from Lookout Mobile Security pointed out in his blog from last year - "Why I hacked Apple's Touch ID and still think its awesome" - an attacker needs access to the device and then use a lot of kit to physically create the fake fingerprint. As Rogers stated this can be "tricky" and probably not within the reach of your average street thief. However, with the right equipment and a little ingenuity it can be done.
So what can be done to ensure we benefit from the convenience of biometric authentication on mobile devices but also have a level of assurance that the solution is difficult to spoof and attack?
One solution is to improve the anti-spoofing solutions within the biometric system. NexID Biometrics develops spoof mitigation and liveness detection solutions including its Mobile Live Finger Detection (LFD) software. The company claims that the solution can help ensure that the fingerprint system is not spoofed and states that authentication accuracy is as high as 94-97 percent.
I spoke with NexID Biometrics' COO, Mark Cornett, to get his views on this and he said; "While Apple validated the convenience of fingerprint authentication on mobile devices, the spoof of the iPhone 5S should have sent a signal to other device manufacturers that while providing users with convenient authentication, the current level of security is vulnerable to spoofing. The layers of security for unlocking mobile devices and their applications needs to be stronger to properly meet the needs of users, and facilitators of mobile commerce and BYOD policies. Now that the two largest distributors of mobile devices in the world have had their solutions spoofed, they will hopefully add liveness detection solutions to mitigate this vulnerability and thereby instil confidence in the use of mobile device fingerprint authentication."
As well as anti-spoofing and liveness detection solutions there are other tools that can be deployed to improve the security of these emerging authentication solutions. This include combining biometric authentication with other factors as part of a multi-factor authentication solution - especially useful for step-up verification where a highly level of user assurance is required.
I am a big fan of behavioural, or gesture, biometrics where the device learns about how a specific user engages with their mobile device to create a profile that can be used as part of a risk-based authentication solution. By combining behavioural biometrics with fingerprint authentication a greater level of trust in who is actually using the device can be created. And when an unauthorised user attempts to spoof the system by using a gummy bear or wood glue mould then the authentication service can request for another level of authentication to ensure that it is the valid owner of the phone and service. The link between the end user authentication client and cloud-based risk-based (anti-fraud) solutions, especially in financial services, cannot be underestimated.
There are ways in which you can improve the security of mobile-based biometric authentication solutions and deter the type of spoofing attack that has been witnessed with the Samsung Galaxy S5 - I have just touched the surface in what is possible.
However, an enhancement to the security of the biometric solution should not come at the expense of convenience and usability.
Mobile device manufacturers and service providers are turning to biometrics because they can enhance the usability of the authentication experience - this must not be altered.
Wednesday, 16 April 2014
Tuesday, 11 March 2014
Improving the first mile of authentication – how the FIDO Alliance and Nok Nok Labs are helping to create the building blocks of trusted identity
There has
been a lot of media attention attracted by the FIDO Alliance, an organisation
that is attempting to change the nature of online authentication through
standards and I have been following the developments with interest.
FIDO has had
a successful start to its history with some of the largest names in technology,
PayPal, Google, Microsoft, Synaptics (Validity Sensors), Lenovo, RSA and
MasterCard to name a few, playing a role in developing the standards that were
recently made public.
A number of
the FIDO members have already showcased FIDO Ready™ devices at this year’s
trade shows including CES, MWC and RSA Conference 2014. Solutions from AGNITiO,
GO-Trust, Infineon, Fingerprint Cards, Yubico, Synaptics (Validity Sensors) and
Nok Nok Labs have all been shown to demonstrate how FIDO can be implemented at
the endpoint.
And with
Samsung announcing its new flagship S5 smartphone at MWC 2014 with an
integrated fingerprint sensor linked to PayPal’s FIDO Ready™ mobile payments
app we will soon see how the FIDO standards operate in the real world.
Samsung is
also planning to open up the fingerprint sensor to third parties using its new
Pass API and there is a possibility that the FIDO components will be available
for developers to build mobile-based multi-factor authentication enabled applications;
a very promising move.
I expect to see more clients and
devices being launched throughout 2014 that are FIDO Ready™. These FIDO enabled
devices will run a Multifactor Authentication Client (MFAC) that supports
FIDO’s Universal Authentication Framework Protocol (UAF) and interfaces with a FIDO
server.
Currently,
Nok Nok Labs is the only provider of both the FIDO Ready™ client and server components
with its S3 Authentication Suite.
The device
OEM (could be a smartphone, a tablet or a Windows PC) would pre-install the
MFAC and then a service provider, the Relying Party, (could be a financial
services provider or a mobile network operator running it on an Authentication
as a Service basis) would run the MFAS.
The MFAS has
the capability of interfacing with policy and risk engines (including Risk
Based Authentication) and also federated identity providers to link the client
identity with multiple online services – brokering identity using strong mobile
based MFA.
Over the past
five years, we have witnessed a lot of development in the ‘last mile’ of
authentication and identity assurance; standards such as SAML and OpenID have
introduced a framework in which user identities can be shared amongst online
services.
The FIDO
Alliance and Nok Nok Labs are attempting to standardise the ‘first mile’ of
authentication – an event at the beginning of the authentication process
proving that an authorised person is allowed access to a digital service or to
authorise a transaction.
These are
early days for FIDO and Nok Nok Labs but I firmly believe that they are
establishing the building blocks for agile omni-channel authentication and
identity verification that will have an important part to play in improving the
levels of trust in an open connected world.
Wednesday, 26 February 2014
Samsung leads the way in mobile biometrics with the Samsung Galaxy S5
In an announcement to a packed auditorium at Mobile World
Congress 2014 on the evening of the 24 February 2014, Samsung launched their
latest flagship Galaxy smartphone, the S5, containing an integrated fingerprint
sensor.
We still need more information on the specifics of how the
sensor will operate and interact with the associated services but this is what we know.
The S5 fingerprint sensor is a swipe located on the front of the device underneath the physical home
button.
In a promising move from Samsung, they have initially linked
the sensor to four consumer and enterprise services that include:
- Phone unlock
- Private Mode protection. To protect important documents contained in a secure vault
- Mobile payments via the pre-installed PayPal app
- As part of a multifactor authentication (MFA) solution (Fingerprint + Password) for Knox 2.0 authentication
The mobile payments app is provided by PayPal who have been working on the development of the supporting ecosystem for a number of years. By leveraging a combination of hardware and software services that include:
- Integrated fingerprint sensor
- Hardware security environment provided by TrustZone (Secure Element, SE and Trusted Execution Zone, TEE)
- Secure authentication protocol and infrastructure (mobile client and server) as part of FIDO Alliance OSTP and commercialised by Nok Nok Labs
- Merchant service infrastructure to support PayPal mobile payments
Hill Ferguson, chief product officer, PayPal, commented on the development; "By working with Samsung to leverage fingerprint authentication technology on their new Galaxy S5, we are able to demonstrate that consumers don't need to face a tradeoff between security and convenience."
The fingerprint template is securely stored within the SE
and is protected by ARM’s TrustZone environment. This makes it difficult to
access or tamper with the biometric template and also allays privacy concerns
of having to store a fingerprint in a networked database.
This is extremely positive news for the whole industry.
This is an extract from an analysis of the Samsung S5 found in a Goode Intelligence Market Intelligence report (Fingerprint Biometrics Market Intelligence third edition)
Wednesday, 19 February 2014
The Changing Face of IT – The Twin Challenges of Mobile and Service Oriented IT
More and more frequently, users are accessing corporate information from
a variety of devices – not just corporate-issued PCs, but from mobile devices
and tablets that may have a dual purpose as personal devices.
In a recent
white paper I wrote, published by Goode Intelligence, I explored the key
questions IT needs to consider as they
search for more convenient methods to secure and protect access to sensitive
information; sometimes on infrastructure that they do not own or control.
I invite you to listen to a short video discussion that I had with Ian
Williams, Head of Market Intelligence, RSA that is now available on YouTube.
What are the new IT challenges brought on by mobile and cloud adoption? The Changing Face of IT – The Twin Challenges
of Mobile and Service Oriented IT
For additional details, the full white paper is available for download; “Next Generation Authentication for the Mobile Ready Enterprise”
Tuesday, 21 January 2014
From Swipe to Touch to Invisible Touch - The Evolution of Fingerprint Sensors in Smart Mobile Devices
From Swipe to Touch to Invisible Touch - The Evolution of Fingerprint Sensors in Smart Mobile Devices
Readers of a certain age will possibly remember Genesis, the English prog-rock band that featured first Peter Gabriel and then Phil Collins on vocals. In the 1980s they released a rather poor 13th album called ‘Invisible Touch’. Little did they know that we would use that title in a rather obscure pun in an article on the evolution of fingerprint sensors in smart mobile devices (SMD) – the album cover is rather relevant though! And if you hear ‘Invisible Touch’ wafting over the speakers
at a product launch at MWC 2014 – you know where they got their idea from.
This blog explores the evolution of fingerprint sensors designed for consumer electronic devices including smart mobile devices; from swipe to touch to ‘invisible touch'. This blog first appeared in the January 2014 edition of the Goode Intelligence Market Intelligence publication; "Fingerprint Biometrics Market Intelligence" (published 28 January 2014).
Smartphone OEMs rush to embed fingerprint sensors
Despite the intense media attention that accompanied Apple’s
launch of Touch ID embedded fingerprint sensors on mobile phones have been
around since 1998. Ever since Siemens
developed its prototype device back in 1998 there has been steady stream of handsets being biometric-enabled.
Fingerprint sensors
are becoming a common-feature of flagship smartphones with an increasing number
of mobile device OEMs joining Apple in launching high-end devices during the
latter part of 2013. This included HTC, Fujitsu and Pantech. So far, all these
Android-based devices have used swipe fingerprint sensors, sourced from either Fingerprint Cards (FPC) or Validity Sensors. For these android
devices, the sensor is being located on the rear of the smartphone (see image
of HTC One max below).
HTC One max (with Validity swipe sensor located
underneath rear camera)
Apple Touch ID - leader for smartphone touch sensor
Apple is so far the
only mobile device OEM to have launched a device with an embedded Touch
Capacitive sensor (shown below). The sensor uses capacitive touch technology to
take a high resolution (500 pixels per inch or ppi) from small sections of a
fingerprint (from the subepidermal layers of the skin).
Source: Apple
There are advantages in
using a touch sensor over a swipe sensor on a mobile device:
- The user experience is usually superior
- Greater accuracy; there appears to be fewer failures as the finger is better positioned for touch. For swipe, the finger has to be swiped accurately over the sensor to ensure that the fingerprint is read correctly. On some smartphone implementations, especially on larger devices (phablets), the location of the sensor on the rear of the device makes this difficult when holding the device with one hand
- The sensor can be built into a hard button on the front of the mobile device, e.g. home/power button
Non-Apple smartphones - first swipe then touch
Goode Intelligence
believes that for the first quarter of 2014 a number of Tier 1 mobile device
OEMs will launch flagship models that incorporate a swipe sensor. This will
include further HTC models and releases from LG, Lenovo and Samsung (Samsung
may want to launch with a touch sensor to match the user experience of Apple’s
Touch ID).
The three remaining fingerprint
sensor manufacturers who can supply to the mobile device industry, Fingerprint
Cards, Idex and Validity Sensors (part of Synaptics) are all in the process of
commercialising their versions of the mobile-ready touch sensor.
Fingerprint Cards is
probably in a more advanced state of commercialisation and has gone on record
to say that their touch sensor (FPC1020) has been sold
to a “Tier 1 OEM” for a “flagship smartphone with a targeted launch date in the
summer of 2014”[1]
Idex and Validity will
follow FPC in launching their own touch sensors during 2014 and GI expects to
see them appear in smart mobile devices and other consumer electronic devices.
Next generation consumer fingerprint sensors - Invisible Touch
The third stage to the
evolution of mobile device-based fingerprint sensors is driven by the need for greater
user convenience combined with a trend to remove physical buttons from smart
mobile devices. Partly as a result of the reduction of the bezel-size and driven
by the trend for larger touch screen sizes.
The elimination of
physical buttons creates a problem for component suppliers including
fingerprint sensor manufacturers as it removes an obvious place to position the
sensor. It also provides them with an opportunity for new markets for their
products.
The positioning of the
fingerprint sensor underneath, or within the touch screen, is the next stage in
the evolution of consumer fingerprint biometrics and enables mobile device OEMs
to remove physical buttons. It also ensures that the convenience of identification,
touching a finger on the front of a mobile device, is maintained.
GI believes that all
of the fingerprint sensor manufacturers currently operating in the consumer and
mobile space are well advanced in their research and development efforts to
make this a reality:
- Idex released this video after demonstrating a proof-of-concept device that placed the fingerprint sensor within the touch screen display
- Validity Sensors is now part of Synaptics who are one of the world’s largest suppliers of touchscreen technology. Synaptics are also developing fingerprint sensors built into the touchpads that are embedded into laptops and notebooks
- FPC has demoed demoed touch sensor capabilities with Windows for integration into Windows 8 (8.1) products and also works with CrucialTec, manufacturer of the optical TrackPad (OTP)
This includes Apple
and the resources that were integrated as a result of the AuthenTec acquisition.
‘Invisible Touch’ is not
only suitable for smart mobile devices; any consumer electronic device that
uses a screen has the potential to integrate a touch fingerprint under or
within the screen. This could include smart TVs, single-use gaming handhelds,
tablets, touchscreen monitors, hybrid notebooks and touchscreens integrated
into domestic appliances and smart house control technology. Whether anybody
would want to authenticate using their fingerprint for their fridge is
debatable (although perhaps if you wanted to stop a young child from turning on
an oven or keeping your teenager out of your wine cooler?).
This is a potentially
huge market and is part of the wider Consumerisation of biometrics that will
revolutionise how we interact with technology.
This opportunity will be explored in an upcoming analyst report published by Goode Intelligence; "Emerging Markets for Fingerprint Biometrics".
[1]
FPC wins first 1020 touch sensor DW from Global Tier 1 OEM for their flagship
smartphone. 20 December 2013: http://www.fingerprints.com/blog/2013/12/20/fpc-wins-first-1020-touch-sensor-dw-from-global-tier-1-oem-for-their-flagship-smartphone/
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Wednesday, 6 November 2013
Bring Your Own Finger - The Consumerisation of Biometrics on Mobile Devices
Firstly, let me apologise for jumping on the BYO bandwagon. I did grimace a bit when writing it but in a way it is rather apt. Biometrics are always with you and you do bring them with you; to the shops, to work, when travelling.....
That's what makes them a very attractive proposition for identification purposes. With the ever-growing list of super-long passwords that we are required to use for an increasingly long list of digital services, the search for an agile method for securely identifying people has been the Holy Grail for some time. Link that with the move towards accessing digital services on mobile devices and you have a situation that creates a perfect environment for easy-to-use, convenient, authentication and identity verification services.
Without even considering the rush by mobile manufacturers to embed fingerprint sensors into their latest smart mobile devices, mobile devices have many sensors that can be leveraged for biometric identification purposes. Cameras (front and rear with the support to capture HD video, high quality microphones, accelerometers for behavioural biometrics etc.
In my latest report for Goode Intelligence, "Mobile Biometric Security - Market Forecast Report 2013-2018", I have revised the forecasts from the original report, published in June 2011, to take into consideration the rapidly changing landscape. My research into this sector has discovered that in the last two years the following factors has created an environment that will create a market that is worth US$8.3 billion by 2018:
The Consumerisation of Biometrics: Apple has changed everything and has again disrupted a market and rebranded biometrics as a convenient method of communicating with consumer technology. Previously, Biometrics has largely been associated with high-end security; border control, national ID solutions and for providing access control for high-security buildings. This has all changed with the Apple iPhone 5s and Touch ID
Convenient mobile device protection: Existing
mobile device authentication is cumbersome and inconvenient. This means that many devices are left with no
protection. Replacing a PIN or Passcode with an easy-to-use biometric can
reduce this burden
That's what makes them a very attractive proposition for identification purposes. With the ever-growing list of super-long passwords that we are required to use for an increasingly long list of digital services, the search for an agile method for securely identifying people has been the Holy Grail for some time. Link that with the move towards accessing digital services on mobile devices and you have a situation that creates a perfect environment for easy-to-use, convenient, authentication and identity verification services.
Without even considering the rush by mobile manufacturers to embed fingerprint sensors into their latest smart mobile devices, mobile devices have many sensors that can be leveraged for biometric identification purposes. Cameras (front and rear with the support to capture HD video, high quality microphones, accelerometers for behavioural biometrics etc.
In my latest report for Goode Intelligence, "Mobile Biometric Security - Market Forecast Report 2013-2018", I have revised the forecasts from the original report, published in June 2011, to take into consideration the rapidly changing landscape. My research into this sector has discovered that in the last two years the following factors has created an environment that will create a market that is worth US$8.3 billion by 2018:
The Consumerisation of Biometrics: Apple has changed everything and has again disrupted a market and rebranded biometrics as a convenient method of communicating with consumer technology. Previously, Biometrics has largely been associated with high-end security; border control, national ID solutions and for providing access control for high-security buildings. This has all changed with the Apple iPhone 5s and Touch ID
Mobile Commerce: Mobile devices have become the prime method of carrying out digital
commerce yet identity verification and payment authorisation has not yet been
updated to match this form factor. Biometrics can offer a convenient and secure
method to prove identity and to authorise payments
As part of a multi-factor authentication solution: Most of the major authentication vendors support, or
have plans to support, biometrics in their authentication products. This will be
supported by authentication standards initiatives such as the FIDO Alliance
that will enable biometrics to be easily utilised, when available, on mobile
devices
Mobile devices are getting more secure: Apple’s Touch ID fingerprint solution makes use of a ‘secure vault’ to
ensure that the fingerprint templates are stored in a secure area of the
hardware. It is thought that Apple is leveraging ARM’s TrustZone, a hardware-security
environment for secure storage and trusted execution. Security services are
being built into all mobile platforms to counteract malware and to protect
sensitive information and transactions. Complimentary services such as Mobile
Device Management (MDM), Secure Containers and Mobile Application Management
(MAM) create a trusted platform to support biometric security on consumer
mobile devices
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Thursday, 26 September 2013
The Changing Face of User Authentication and the Road to Bring Your Own Identity
I recently presented on an Infosecurity Magazine
webinar entitled “How to Make Access to your Sensitive Data More Secure - The Easy Way”.
During my presentation I explored how user
authentication is adapting to meet the changes created by a number of linked transformational
trends that include cloud computing, mobility and the Consumerisation of IT.
The presentation focused on one of Goode Intelligence’s specialist areas, mobile-based authentication (both the phone as an
authenticator and mobile authentication when an IT service is accessed from the
mobile device). It also touched on other areas of Identity and Access Management
(IAM) and the development of these corresponding areas is vital to the
successful transformation of user authentication services (both mobile and
non-mobile). It is imperative that we meet the security challenges of the next
generation of IT services – to defend the borderless enterprise.
We are increasingly accessing a huge wealth of digital
information, both inside and outside of the enterprise network, from a myriad
of devices. In this new world of IT, traditional authentication solutions, both
single-factor (passwords) and two-factor (smart cards and OTP tokens), have
become clumsy, inconvenient and less secure. Password management is a headache;
in the main we either write down strong passcodes or alternatively re-use
passwords that we can easily remember (there are password management tools that
exist). Alternatively, when traditional two-factor
authentication is used then this is often not designed for cloud, mobile or
BYOD. Authentication solutions designed for traditional, behind firewall,
enterprise systems are increasingly not effective for new, agile, IT services.
So what are the alternatives? How do we match convenience
and security and ensure identity is successfully proven across a wide variety
of different devices (enterprise-issued and employee-owned) accessing many
services located on-premise, hybrid and wholly in the cloud?
I believe that we are close in achieving the goal of
supporting a much more agile and mobile world of IT service provision with
strong, convenient, authentication. We know what the problem is and we have
many of the building blocks to make this a reality. These building blocks
include Risk-based authentication (RBA), federated identity, multi-factor
authentication and user choice.
Match risk with
appropriate security – combining user intelligence with business context
At Goode Intelligence, we are seeing increasing demand for
more intelligent forms of authentication where the choice of authentication
method used is real-time risk driven. The financial services sector has been an
early adopter of RBA technology as it has a history of measuring (managing) risk.
RBA matches the most appropriate
authentication method to the assessed risk. To be successful in this you must
first know who the user is and what they plan to do.
User intelligence can be gathered from a number of inputs
and the mobile device can play an important part in this process. When combined
with more active forms of authentication, by learning the unique
characteristics of its owner; where they are usually located (geo-location),
the days and times that they are normally active and even how they hold and
touch the device (behavioural analysis).
An accurate risk score can be calculated by combining user
intelligence with business context. What is the user trying to achieve - Is it
a high-value financial transaction to an unknown recipient or attempting to
access the latest sales data? Based on this risk score the authentication
engine can then choose the most appropriate authentication method to prove
identity. A one-time-password (OTP) generated by the authentication engine and
sent to the user’s registered mobile device via SMS may be sufficient or
alternatively the authentication level may be ‘stepped-up’ to a stronger factor
– a biometric or even a separate hardware device.
Federated Identity –
the road to single sign on and a more frictionless experience
For both enterprise and consumer users the prospect of
having to uniquely identify themselves to multiple applications and web
services is an onerous task. This is probably why for mobile devices the
auto-authenticate option is widely deployed – thumbs up for convenience, thumbs
down for security.
Organisations are increasingly turning their attentions to
Identity federation, sometimes referred to as Single Sign-On (SSO), as
one way to solve this problem. Identity federation allows for a standards-based
way to share identity amongst multiple organisation and applications. Standards
include the Security Assertion Markup Language (SAML), the OpenID
protocol and WS-Federation.
The benefit to the user is that they only need to
authenticate once to access a number of different organisations and
applications. Using techniques such as SAML-insertion identity is then shared
transparently with other applications. The user is authenticated once and then
other application providers can verify the authenticity of the provided
federated identity.
Multi-Factor
Authentication/Identity Verification and context
Two-factor authentication (2FA) is so last year!
Over the last 24 months we have seen virtually all of the
major internet players, Google, Twitter, LinkedIn, Microsoft and Facebook
deploy some form of 2FA (mainly mobile OTP-based). Microsoft was so enamoured
at mobile phone-based 2FA that it acquired a vendor, PhoneFactor. The option to
use 2FA in these networks I usually optional so it is difficult to gauge how
popular these services are outside the InfoSec geek community.
In terms of trends in the authentication market there is a
definite movement towards supporting multiple factors (MFA), sometimes referred
to as infinite factors. This is not necessarily the third factor –
often associated with what you are, biometrics. MFA is about allowing a choice
of factors and then matching them against context.
I feel that the combination of MFA and contextual awareness
is one of the most exciting areas of authentication at the moment and we expect
it to be a standard feature of premium authentication solutions. Many of the
authentication vendors, including RSA, Entrust and SecurEnvoy, have already
increased their portfolio of factors that can be deployed for use with their
authentication engines and I believe that the number of factors, and user
choice, will increase in the next 12 months. Factors include both traditional –
hardware/software tokens and smart cards – and emerging – mobile, biometrics,
image-based and behavioural.
The power of having multiple factors at your disposal is
multiplied when you add contextual analysis. This is where mobile devices
really come into their own as authenticators. Smart mobile devices have so many
in-built sensors that have the capability to capture important information
about the context of how and where these devices are being used. Geo-location
through a combination of GPS and cellular-network positioning (even more
accurate with LTE/4G services), ambient noise levels captured through the
microphone (important in voice biometrics), user identification through the
camera and embedded fingerprint sensors (Even before Apple’s iPhone 5S and Touch
ID there were over 20 million smartphones shipped with fingerprint sensors).
All of this contextual information can be captured and then passed onto
services that support risk-based and intelligence-based authentication. A
relatively accurate identity scoring can be calculated on a continuous basis
and then fed into the authentication service providing a method of identifying
whether the authorised owner of the device is initiating a service and then
calculating whether additional authentication is required. This is sometimes
referred to as step-up verification (although step-up verification is also a
part of non- mobile authentication and RBA services).
User choice – The
road to Bring Your Own Identity (BYOI)?
We have bring your own device/platform/software…. Is it time
for bring your own identity? Let the user choose what is the most convenient
and secure way to protect their digital assets? People decide how best to
protect their property and automobile cars why not let them choose how they
should protect their digital lives?
I feel that we are already seeing evidence of this with
Internet passports, e.g. Facebook ID and Google Authenticator, that allow
registered users to authenticate to other services that support authentication
from the passport provider. For instance, if I choose to I can use my Facebook
ID to authenticate into my Spotify streaming music service.
The big question is whether this will expand to services
that are more sensitive, i.e. have more risk. Will my bank allow me to use my
Google Authenticator to login to its internet bank service and then transfer
funds out of the account? Does the bank trust credential s issued by a social
network? Possibly not funds transfer but what about a balance enquiry? Step-up
verification could be used for when I want to transact or to request an
increase to my overdraft limit.
Alternatively what if a universal digital ID was issued by a
government and managed by a trusted authentication service provider? I wouldn’t
discount it but we are at the early stages of BYOI and perhaps initiatives such
as the FIDO Alliance, Open Identity
and the GSMA’s Mobile Identity Programme may help provide the plumbing
and the initiatives to support it.
Alan Goode September 2013
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