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Reliance Authentication
Reliance authentication is a part of the trust-based identity attribution process whereby a second entity relies upon the authentication processes put in place by a first entity. The second entity creates a further element that is unique and specific to its purpose, that can only be retrieved or accessed by the authentication processes of the first entity having first being met. Reliance authentication can be achieved by one or more tokens with random characteristics being transmitted to a secure area controlled by the first entity, where such secure area is only accessible by the person authorised to use the account. The secure area may be an online banking portal, telephone banking system, or mobile banking application. The token is often in the form of a single or plural of debit or credits to a financial account, where the numerical values of the debit or credits form the token, whose numeric value is to be confirmed by the account holder. The token are retrieved by the cardh ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Digital Identity
A digital identity is information used by computer systems to represent an external agent – a person, organization, application, or device. Digital identities allow access to services provided with computers to be automated and make it possible for computers to mediate relationships. The use of digital identities is so widespread that many discussions refer to the ''entire'' collection of information generated by a person's online activity as a "digital identity". This includes usernames, passwords, Search engine, search history, birthdate, social security number, and purchase history, especially where that information is publicly available and not anonymized and so can be used by others to discover that person's civil identity. In this broader sense, a digital identity is a facet of a person's social identity and is also referred to as ''online identity''. An individual's digital identity is often linked to their civil or national identity and many countries have instituted n ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
CAPTCHA Wikibook
A CAPTCHA ( , a contrived acronym for "Completely Automated Public Turing test to tell Computers and Humans Apart") is a type of challenge–response test used in computing to determine whether the user is human. The term was coined in 2003 by Luis von Ahn, Manuel Blum, Nicholas J. Hopper, and John Langford. The most common type of CAPTCHA (displayed as Version 1.0) was first invented in 1997 by two groups working in parallel. This form of CAPTCHA requires entering a sequence of letters or numbers in a distorted image. Because the test is administered by a computer, in contrast to the standard Turing test that is administered by a human, a CAPTCHA is sometimes described as a reverse Turing test.This test has received many criticisms, from people with disabilities, but also many websites use it to prevent bot spamming and raiding, and it works effectively, and its usage is widespread. Most websites use hCaptcha or reCAPTCHA. It takes the average person approximately 10 seconds ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
One-time Password
A one-time password (OTP), also known as a one-time PIN, one-time authorization code (OTAC) or dynamic password, is a password that is valid for only one login session or transaction, on a computer system or other digital device. OTPs avoid several shortcomings that are associated with traditional (static) password-based authentication; a number of implementations also incorporate two-factor authentication by ensuring that the one-time password requires access to ''something a person has'' (such as a small keyring fob device with the OTP calculator built into it, or a smartcard or specific cellphone) as well as ''something a person knows'' (such as a PIN). OTP generation algorithms typically make use of pseudorandomness or randomness to generate a shared key or seed, and cryptographic hash functions, which can be used to derive a value but are hard to reverse and therefore difficult for an attacker to obtain the data that was used for the hash. This is necessary because otherwise ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mutual Authentication
Mutual authentication or two-way authentication (not to be confused with two-factor authentication) refers to two parties authenticating each other at the same time in an authentication protocol. It is a default mode of authentication in some protocols (IKE, SSH) and optional in others ( TLS). Mutual authentication is a desired characteristic in verification schemes that transmit sensitive data, in order to ensure data security. Mutual authentication can be accomplished with two types of credentials: usernames and passwords, and public key certificates. Mutual authentication is often employed in the Internet of Things (IoT). Writing effective security schemes in IoT systems can become challenging, especially when schemes are desired to be lightweight and have low computational costs. Mutual authentication is a crucial security step that can defend against many adversarial attacks, which otherwise can have large consequences if IoT systems (such as e-Healthcare servers) are hacked. ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Authentication
Authentication (from ''authentikos'', "real, genuine", from αὐθέντης ''authentes'', "author") is the act of proving an assertion, such as the identity of a computer system user. In contrast with identification, the act of indicating a person or thing's identity, authentication is the process of verifying that identity. It might involve validating personal identity documents, verifying the authenticity of a website with a digital certificate, determining the age of an artifact by carbon dating, or ensuring that a product or document is not counterfeit. Methods Authentication is relevant to multiple fields. In art, antiques, and anthropology, a common problem is verifying that a given artifact was produced by a certain person or in a certain place or period of history. In computer science, verifying a user's identity is often required to allow access to confidential data or systems. Authentication can be considered to be of three types: The first type of au ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
FFIEC
The Federal Financial Institutions Examination Council (FFIEC) is a formal U.S. government interagency body composed of five banking regulators that is "empowered to prescribe uniform principles, standards, and report forms to promote uniformity in the supervision of financial institutions". It also oversees real estate appraisal in the United States. Its regulations are contained in title 12 of the Code of Federal Regulations. Composition FFIEC includes five banking regulators—the Federal Reserve Board of Governors (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller of the Currency (OCC), and the Consumer Financial Protection Bureau (CFPB). History FFIEC was established March 10, 1979, pursuant to title X of the Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA). Housing and real estate The FFIEC was given additional statutory responsibilities by section 340 of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
CAPTCHA
A CAPTCHA ( , a contrived acronym for "Completely Automated Public Turing test to tell Computers and Humans Apart") is a type of challenge–response test used in computing to determine whether the user is human. The term was coined in 2003 by Luis von Ahn, Manuel Blum, Nicholas J. Hopper, and John Langford. The most common type of CAPTCHA (displayed as Version 1.0) was first invented in 1997 by two groups working in parallel. This form of CAPTCHA requires entering a sequence of letters or numbers in a distorted image. Because the test is administered by a computer, in contrast to the standard Turing test that is administered by a human, a CAPTCHA is sometimes described as a reverse Turing test.This test has received many criticisms, from people with disabilities, but also many websites use it to prevent bot spamming and raiding, and it works effectively, and its usage is widespread. Most websites use hCaptcha or reCAPTCHA. It takes the average person approximately 10 seconds ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Out-of-band Data
In computer networking, out-of-band data is the data transferred through a stream that is independent from the main ''in-band'' data stream. An out-of-band data mechanism provides a conceptually independent channel, which allows any data sent via that mechanism to be kept separate from in-band data. The out-of-band data mechanism should be provided as an inherent characteristic of the data channel and transmission protocol, rather than requiring a separate channel and endpoints to be established. The term "out-of-band data" probably derives from out-of-band signaling, as used in the telecommunications industry. Example case Consider a networking application that tunnels data from a remote data source to a remote destination. The data being tunneled may consist of any bit patterns. The sending end of the tunnel may at times have conditions that it needs to notify the receiving end about. However, it cannot simply insert a message to the receiving end because that end will not be a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Multi-factor Authentication
Multi-factor authentication (MFA; encompassing two-factor authentication, or 2FA, along with similar terms) is an electronic authentication method in which a user is granted access to a website or application only after successfully presenting two or more pieces of evidence (or factors) to an authentication mechanism: knowledge (something only the user knows), possession (something only the user has), and inherence (something only the user is). MFA protects user data—which may include personal identification or financial assets—from being accessed by an unauthorized third party that may have been able to discover, for example, a single password. A ''third-party authenticator'' (TPA) app enables two-factor authentication, usually by showing a randomly generated and frequently changing code to use for authentication. Factors Authentication takes place when someone tries to log into a computer resource (such as a network, device, or application). The resource requires the u ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Direct Debit
A direct debit or direct withdrawal is a financial transaction in which one organisation withdraws funds from a payer's bank account., https://www.directdebit.co.uk/direct-debit-explained/what-is-direct-debit/ Formally, the organisation that calls for the funds ("the payee") instructs their bank to collect (i.e., debit) an amount directly from another's ("the payer's") bank account designated by the payer and pay those funds into a bank account designated by the payee. Before the payer's banker will allow the transaction to take place, the payer must have advised the bank that they have authorized the payee to directly draw the funds. It is also called pre-authorized debit (PAD) or pre-authorized payment (PAP). After the authorities are set up, the direct debit transactions are usually processed electronically. Direct debits are typically used for recurring payments, such as credit card and utility bills, where the payment amounts vary from one payment to another. However, when the a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
