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Strong Authentication
Strong authentication is a notion with several definitions. Strong (customer) authentication definitions Strong authentication is often confused with two-factor authentication (more generally known as multi-factor authentication), but strong authentication is not necessarily multi-factor authentication. Soliciting multiple answers to challenge questions may be considered strong authentication but, unless the process also retrieves 'something you have' or 'something you are', it would not be considered multi-factor authentication. The FFIEC issued supplemental guidance on this subject in August 2006, in which they clarified, "By definition true multifactor authentication requires the use of solutions from two or more of the three categories of factors. Using multiple solutions from the same category ... would not constitute multifactor authentication." Another commonly found class of definitions relates to a cryptographic process, or more precisely, authentication based on a ch ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Two-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] |
Strong Customer Authentication
Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The requirement ensures that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments. Physical card transactions already commonly have what could be termed strong customer authentication in the EU (Chip and PIN), but this has not generally been true for Internet transactions across the EU prior to the implementation of the requirement, and many contactless card payments do not use a second authentication factor. The SCA requirement came into force on 14 September 2019. However, with the approval of the European Banking Authority, several EEA countries have announced that their implementation will be temporarily delayed or phased, with a final deadline set for 31 December 2020. Requirement Article 97(1) of the directive requires that payment service ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Self-sovereign Identity
Self-sovereign identity (SSI) is an approach to digital identity that gives individuals control over the information they use to prove who they are to websites, services, and applications across the web. Without SSI, individuals with persistent accounts (identities) across the internet must rely on a number of large identity providers, such as Facebook (Facebook Connect) and Google (Google Sign-In), that have control of the information associated with their identity. If a user chooses not to use a large identity provider, then they have to create new accounts with each service provider, which fragments their web experiences. Self-sovereign identity offers a way to avoid these two undesirable alternatives. In a self-sovereign identity system, the user accesses services in a streamlined and secure manner, while maintaining control over the information associated with their identity. Background The TCP/IP protocol provides identifiers for machines, but not for the people and o ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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] |
Initiative For Open Authentication
Initiative for Open Authentication (OATH) is an industry-wide collaboration to develop an open reference architecture using open standards to promote the adoption of strong authentication. It has close to thirty coordinating and contributing members and is proposing standards for a variety of authentication technologies, with the aim of lowering costs and simplifying their functions. Terminology The name ''OATH'' is an acronym from the phrase "open authentication", and is pronounced as the English word "oath". OATH is not related to OAuth, an open standard for authorization. See also * HOTP: An HMAC-Based One-Time Password Algorithm (RFC 4226) * TOTP: Time-Based One-Time Password Algorithm (RFC 6238) *OCRA: OATH Challenge-Response Algorithm (RFC 6287) *Portable Symmetric Key Container (PSKC) (RFC 6030) *Dynamic Symmetric Key Provisioning Protocol (DSKPP) (RFC 6063) *FIDO Alliance The FIDO ("Fast IDentity Online") Alliance is an open industry association launched in Febr ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Electronic Authentication
Electronic authentication is the process of establishing confidence in user identities electronically presented to an information system. Digital authentication, or e-authentication, may be used synonymously when referring to the authentication process that confirms or certifies a person's identity and works. When used in conjunction with an electronic signature, it can provide evidence of whether data received has been tampered with after being signed by its original sender. Electronic authentication can reduce the risk of fraud and identity theft by verifying that a person is who they say they are when performing transactions online. Various e-authentication methods can be used to authenticate a user's identify ranging from a password to higher levels of security that utilize multifactor authentication (MFA). Depending on the level of security used, the user might need to prove his or her identity through the use of security tokens, challenge questions, or being in possession of a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
3-D Secure
3-D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. The name refers to the "three domains" which interact using the protocol: the merchant/acquirer domain, the issuer domain, and the interoperability domain. Originally developed in the autumn of 1999 by Celo Communications AB (later Gemplus, Gemalto and now Thales Group) for Visa Inc. in a project named "p42" ("p" from Pole vault as the project was a big challenge and "42" as the answer from the book ''The Hitchhiker's Guide to the Galaxy''). A new updated version was developed by Gemplus between 2000-2001. In 2001 Arcot Systems (now CA Technologies) and Visa Inc. with the intention of improving the security of Internet payments, and offered to customers under the Verified by Visa brand (later rebranded as Visa Secure). Services based on the protocol have also been adopted by Mastercard as SecureCode, by Discover as ProtectBuy, by JCB International as J/Secure, and ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
FIDO Alliance
The FIDO ("Fast IDentity Online") Alliance is an open industry association launched in February 2013 whose stated mission is to develop and promote authentication standards that "help reduce the world’s over-reliance on passwords". FIDO addresses the lack of interoperability among devices that use strong authentication and reduces the problems users face creating and remembering multiple usernames and passwords. FIDO supports a full range of authentication technologies, including biometrics such as fingerprint and iris scanners, voice and facial recognition, as well as existing solutions and communications standards, such as Trusted Platform Modules (TPM), USB security tokens, embedded Secure Elements (eSE), smart cards, and near field communication (NFC). The USB security token device may be used to authenticate using a simple password (e.g. four-digit PIN) or by pressing a button. The specifications emphasize a device-centric model. Authentication over the wire happens usi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
European Economic Area
The European Economic Area (EEA) was established via the ''Agreement on the European Economic Area'', an international agreement which enables the extension of the European Union's single market to member states of the European Free Trade Association. The EEA links the EU member states and three EFTA states (Iceland, Liechtenstein, and Norway) into an internal market governed by the same basic rules. These rules aim to enable free movement of persons, goods, services, and capital within the European single market, including the freedom to choose residence in any country within this area. The EEA was established on 1 January 1994 upon entry into force of the EEA Agreement. The contracting parties are the EU, its member states, and Iceland, Liechtenstein, and Norway. The EEA Treaty is a commercial treaty and differs from the EU Treaties in certain key respects. According to Article 1 its purpose is to "promote a continuous and balanced strengthening of trade and economic relati ... [...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] |
Fermilab
Fermi National Accelerator Laboratory (Fermilab), located just outside Batavia, Illinois, near Chicago, is a United States Department of Energy national laboratory specializing in high-energy particle physics. Since 2007, Fermilab has been operated by the Fermi Research Alliance, a joint venture of the University of Chicago, and the Universities Research Association (URA). Fermilab is a part of the Illinois Technology and Research Corridor. Fermilab's Main Injector, two miles (3.3 km) in circumference, is the laboratory's most powerful particle accelerator. The accelerator complex that feeds the Main Injector is under upgrade, and construction of the first building for the new PIP-II linear accelerator began in 2020. Until 2011, Fermilab was the home of the 6.28 km (3.90 mi) circumference Tevatron accelerator. The ring-shaped tunnels of the Tevatron and the Main Injector are visible from the air and by satellite. Fermilab aims to become a world center in neutri ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Password
A password, sometimes called a passcode (for example in Apple devices), is secret data, typically a string of characters, usually used to confirm a user's identity. Traditionally, passwords were expected to be memorized, but the large number of password-protected services that a typical individual accesses can make memorization of unique passwords for each service impractical. Using the terminology of the NIST Digital Identity Guidelines, the secret is held by a party called the ''claimant'' while the party verifying the identity of the claimant is called the ''verifier''. When the claimant successfully demonstrates knowledge of the password to the verifier through an established authentication protocol, the verifier is able to infer the claimant's identity. In general, a password is an arbitrary string of characters including letters, digits, or other symbols. If the permissible characters are constrained to be numeric, the corresponding secret is sometimes called a personal i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
