Re: Two-Factor Authentication on the Web

[Andrew van der Stock <vanderaj () greebo net>]

My main concerns with biometric devices are:

they are extremely dangerous to clients for value transactions.  
People have already lost fingers to them (reference: http:// 
news.bbc.co.uk/1/hi/world/asia-pacific/4396831.stm ). Therefore, they  
are completely unsuitable for high value transactions, as the danger  
to the client exceeds the value of the item being protected

the lack of backup credentials when a credential has to be repudiated  
(say your index finger has been copied using a gel copy, you have to  
re-enrol another finger. What happens if someone works out how to  
fake your face for a facial recognition device, such as using a photo  
of you? You have NO backup faces to enrol)

the relative expense of "good" (ie better than cereal toy decoder  
ring) biometric devices wastes valuable security investment when you  
can buy say 40 transaction signing calculators for the cost of a  
single relatively secure biometric device. If I had a million  
customers to enrol (and many of us work for places that have more  
customers than this...), I'd rather spend the 1/40th the money and  
get more trustworthy security, thanks.

Others have made the point that unless you strictly control the  
device and monitor enrolment, such as the US customs enrolment at  
airports, there is no safe way to remotely enrol and trust biometric  
authentication, particularly if the devices are trivially spoofable.  
And to date, they are trivially spoofable, most particularly the  
cheapest devices costing about 1.5-4 times the price of a trx signing  
calculator.

Lastly, biometrics when the false positive accept rate within your  
user population does not exceed tolerable levels. When you have a  
million customers, no biometric device today has the necessary false  
accept positive rate. Such a user base with the best devices has a  
few users who will authenticate as someone else, which if it was Joe  
Bloggs logging on to his finger print reader and gets unauthorized  
accesses a high value customer like Bill Gates, I'm sure the lawyers  
would have a feeding frenzy. Heads would roll, in a different sense  
to my first point.

thanks,
Andrew

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