Mobile PKI and mobile centric identity

2010/01/08

Together with my colleague Martijn Oostdijk (see also his post) we did a project on Mobile PKI technology. We did a technology assessment, focusing on security and also usability, and consulted our client SURFNet on its application for higher education and research.

It proved to be a very interesting project, not only because of the interesting and promising technology, but also because we are advocating what we call mobile centric identity, and Mobile PKI is a good example of “use your mobile phone as an authentication device”. We concluded that Mobile PKI is both a secure and usable technology, and that the main issue is the business model (since the SIM is owned by the mobile operator).

The report that came out of the project is publicly available: in Dutch and in English. Among others, SURFnet employees Roland Rijswijk and Joost van Dijk also provided input and feedback on this report. Below I’ve copied the management summary.

A GSM/UMTS telephone has a SIM card. This is a standardised smartcard that is issued to the user by the telecom operator and is primarily used to authenticate the user on the mobile network. However, the SIM card has more potential uses. For instance, it allows for secure storage of digital keys that can be used for online authentication and digital signatures. This is referred to as Wireless PKI and Mobile PKI.
This report is an assessment of Mobile PKI technology and its potential application for authentication in education. This assessment focuses on its security and its application within the educational domain, with a specific emphasis on applications for SURFfederatie.
Mobile PKI employs encrypted SMS text messages that are used to represent authentication or a digital signature. The user has to express consent by entering a PIN code that secures the private key and which typically needs to be entered for each transaction separately. The relevant standards for this are well established and are supported on all mobile phones. This has advantages compared to other secure means of authentication. For instance, no additional authentication device is required, which also means that no software needs to be installed by the user on either the phone or on other client devices such as a PC. Neither is there a need to manually enter codes, as in the case of one-time passwords via SMS text messages. This improves user-friendliness. Malware such as viruses and key loggers that may have been installed on a PC cannot interfere with Mobile PKI.
This report considers the issue whether Mobile PKI is a secure means of authentication. The analysis identifies a “man in the middle” channel. However, the authors of this report deem Mobile PKI to be more than sufficiently secure compared to other means of authentication and considering the kind of applications in (higher) education.
In our view the most important issues regarding Mobile PKI technology are not related to security or technology but have to do with the costs and the business model. In the Netherlands, Mobile PKI technology has only been deployed for limited pilots and it is therefore difficult to estimate the costs. These could turn out to be too high for many applications in the educational domain if there are no other large-scale deployments of Mobile PKI. A related aspect is the business model. Use of this technology requires the cooperation of the mobile operator, who is the owner of the SIM card. This means that the cooperation of all mobile operators is required for a large-scale deployment.
The final conclusion of this report is that Mobile PKI provides a secure means of authentication that in time will find wide application within the educational domain in the Netherlands. For the near future Mobile PKI will only be employed for services that require a high standard of security and that are used by a limited group of employees due to a) the expected costs, b) insufficient insight into the business model, and c) limited support from the mobile operators. It seems too early for a deployment for students or for general authentication for SURFfederatie or any other large-scale application for SURFnet, Kennisnet or other service. In the meantime it may be useful to consider one-time passwords via SMS text messages as step-up authentication or for password reset because this is cheaper and prepares users for Mobile PKI.


Overlay banking or phishing/man-in-the-middle attack?

2009/11/18

Today I learned that there is such a thing as overlay banking, which provides a way to pay in webshops through your online banking system. Contrary to how in the Netherlands popular iDeal system works, with overlay banking you provide your credentials (including a one-time-password/TAN code)  to a hopefully trusted third party. Technically, you could say this third party is very similar to someone doing a man-in-the-middle attack. The Dutch National Bank and others expressed their concerns about this, and I completely agree. Although I can imagine that the specific party providing this overlay banking service (the German Payment Networking) may very well be trustworthy, one should of course never give ones credentials to a third party. There are many technical solutions to avoid this (e.g., OAuth), and let someone act on your behalf without having to give them your credentials. What worries me most is that this may educate people to be more susceptible to phishing and man-in-the-middle attacks!  Apparently Payment Networking disagrees (article in Dutch), and considers their system secure because they adhere to high security standards. This does not however take my ‘educating people to do the wrong thing’ concern away.
Of course, one may also argue that in addition to raising concerns about overlay banking, the European banks should speed up the process of standardizing interfaces that allow competing international online payment systems. I can imagine that overlay banking is simple a way to provide cheap online payment, and with proper standards and fair competition, this should be possible without the above described security risks.