Mailinglist Archive: opensuse (2162 mails)
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Re: veering off topic: Online banking authentication schemes (was; Re: [opensuse] How-to VETO a particular update?)
- From: Neil <hok.krat@xxxxxxxxx>
- Date: Wed, 27 Aug 2008 18:50:15 +0200
- Message-id: <fb8374350808270950l6930de41g4d660fb957dfd208@xxxxxxxxxxxxxx>
On Tue, Aug 26, 2008 at 10:26 PM, Jon Clausen <jon@xxxxxxx> wrote:
Well, the random reader has a default place on my desk, while I
already have more than enough pieces of paper with important data on
it. These I tend to lose......
And what is the difference between a small (1cm thick 8cm long and 5
cm wide or so) device or a piece of paper to carry around?
Neil
--
There are two kinds of people:
1. People who start their arrays with 1.
1. People who start their arrays with 0.
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On Tue, 26 Aug, 2008 at 16:13:26 +0200, Neil wrote:Hi
On 8/26/08, Larry Stotler <larrystotler@xxxxxxxxx> wrote:
On Tue, Aug 26, 2008 at 12:47 AM, Jon Clausen <jon@xxxxxxx> wrote:
It's simple and effective. No 'keyfiles', no java, and it works with
Firefox
on Linux.
One of my banks requires flashplayer as a security measure. It uses
it to "register" your machine so you aren't asked a challenge
question. Of course the challenge questions aren't very hard to guess
either, so......
Sounds dubious to me in the first place, but other than that it just seems
kind of 20th century to register any specific system for banking purposes...
Hi
My bank (Rabo, NL) requires me to athenticate with a "Random Reader"
(a small handheld device) in order to log in. I insert my card and
enter my code. It generates a code wich I have to enter on the site.
This code can only be used once (or, rather, a looong time in between)
and I can only vieuw my bank accounts and prepare transactions. To
sign transactions (so they will not dissapear at logoff) I have to use
the random reader again, but now I also have to enter a validation
code from the site into the random reader before it gives the sign
code.
Pretty much the same deal as with the code leaflet. Each transaction uses
one of the code-pairs, which then becomes invalid. Once all the codes have
been used, you need a new leaflet.
As long as the site isn't "spoofed" this will be safe, at least
as far as I know and care (I am a student. There aren't many millions
of euro's available thru my account. Only a couple :P)
I'm not too worried about the site being spoofed, since the chances of
anyone being able to reproduce the code-pairs on any given leaflet are
pretty slim.
Basically the bad guys would have to get acces to the algorithm that
generated the codes, or hack into the bank's systems, in which cases all
bets are off anyway.
This also prevents me from loosing my leaflet with the codes, because
all random readers are equal. I can just walk into my bank and ask for
a new one. No one can acces my account w/o my pass and my PIN (as far
as I know).
Security-wise, losing the leaflet is no big deal:
Noone's going to be able to use it for anything without knowing which
account it's for, passphrases, and the other stuff.
It might be inconvenient, but not a problem, to have to wait a few days
until I got a new set of codes.
Actually I'd be much less interested in Yet another Device to carry
around... but that's just me...
/jon
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YMMV
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Well, the random reader has a default place on my desk, while I
already have more than enough pieces of paper with important data on
it. These I tend to lose......
And what is the difference between a small (1cm thick 8cm long and 5
cm wide or so) device or a piece of paper to carry around?
Neil
--
There are two kinds of people:
1. People who start their arrays with 1.
1. People who start their arrays with 0.
-----------------------------------------------------------------------
** Hi! I'm a signature virus! Copy me into your signature, please! **
-----------------------------------------------------------------------
--
To unsubscribe, e-mail: opensuse+unsubscribe@xxxxxxxxxxxx
For additional commands, e-mail: opensuse+help@xxxxxxxxxxxx
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