passed to the smartcard, which does something and the response is displayed. the person enters the displayed response.
http://www.garlic.com/~lynn/2001g.html#57 Q: Internet banking
works with anything that can present a challenge and has a numeric keypad for the response (even works over telephone with VRU).
note that in any online scenario ... the server-side can do security proportional to risk by making a decision to ask or not ask for additional inputs. possible scenario is bill pay in home banking, use
authentication for initial access and then if total transactions exceed some value ... ask for additional authentication input (trading off convenience and risk, in online scenario it doesn't need to be all just one way or another way, there is some amount of latitude for adaptive implementation).
Note that the additional authentication input can also be used for interpreting the (human specific) input as evidence of approval for the transaction(s) as opposed to simply authentication.
other pieces of the previous mentioned thread on security proportional to risk:
http://www.garlic.com/~lynn/aepay7.htm#netbank net banking, is it safe?? ... power to the consumer
http://www.garlic.com/~lynn/aepay7.htm#netbank2 net banking, is it safe?? ... security proportional to risk
http://www.garlic.com/~lynn/2001g.html#57 Q: Internet banking
http://www.garlic.com/~lynn/2001h.html#53 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#58 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#61 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#62 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#64 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#68 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#70 Net banking, is it safe???
http://www.garlic.com/~lynn/2001h.html#75 Net banking, is it safe???
http://www.garlic.com/~lynn/2001i.html#9 Net banking, is it safe???
http://www.garlic.com/~lynn/2001i.html#10 Net banking, is it safe???
http://www.garlic.com/~lynn/2001i.html#16 Net banking, is it safe???
http://www.garlic.com/~lynn/2001i.html#25 Net banking, is it safe???
http://www.garlic.com/~lynn/2001i.html#35 Net banking, is it safe???
http://www.garlic.com/~lynn/2001i.html#36 Net banking, is it safe???
--------------------------------------------------------------------- The Cryptography Mailing List Unsubscribe by sending "unsubscribe cryptography" to [EMAIL PROTECTED]
