Re: Citibank discloses private information to improve security

2005-06-02 Thread Anne Lynn Wheeler
Heyman, Michael wrote: Defense in depth can help against spoofing - this includes valid certificates, personalization (even if it is the less-than-optimal Citibank-like solution), PetName, etc. Man-in-the-middle is harder given that we have such a high false positive rate on our best weapon. i

RE: Citibank discloses private information to improve security

2005-06-02 Thread Peter Gutmann
Heyman, Michael [EMAIL PROTECTED] writes: The false positive I was referring to is the something is telling me something unimportant positive. I didn't mean to infer that the users likely went through a thought process centered around the possible causes of the certificate failure, specifically

Re: Citibank discloses private information to improve security

2005-06-02 Thread Ian G
On Wednesday 01 June 2005 23:38, Anne Lynn Wheeler wrote: in theory, the KISS part of SSL's countermeasure for MITM-attack ... is does the URL you entered match the URL in the provided certificate. An attack is inducing a fraudulent URL to be entered for which the attackers have a valid

RE: Citibank discloses private information to improve security

2005-06-01 Thread Heyman, Michael
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of Peter Gutmann Sent: Tuesday, May 31, 2005 1:29 PM In this situation, I believe that the users, through hard won experience with computers, _correctly_ assumed this was a false positive. Probably not. [SNIP text on user's

Re: Citibank discloses private information to improve security

2005-05-31 Thread Adam Fields
On Sat, May 28, 2005 at 10:47:56AM -0700, James A. Donald wrote: [..] With bank web sites, experience has shown that only 0.3% of users are deterred by an invalid certificate, probably because very few users have any idea what a certificate authority is, what it does, or why they should

Re: Citibank discloses private information to improve security

2005-05-31 Thread Peter Gutmann
James A. Donald [EMAIL PROTECTED] writes: With bank web sites, experience has shown that only 0.3% of users are deterred by an invalid certificate, probably because very few users have any idea what a certificate authority is, what it does, or why they should care. James (and others): I really

RE: Citibank discloses private information to improve security

2005-05-31 Thread Heyman, Michael
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of James A. Donald Sent: Saturday, May 28, 2005 1:48 PM With bank web sites, experience has shown that only 0.3% of users are deterred by an invalid certificate, probably because very few users have any idea what a certificate

Re: Citibank discloses private information to improve security

2005-05-31 Thread Ian G
On Saturday 28 May 2005 18:47, James A. Donald wrote: Do we have any comparable experience on SSH logins? Existing SSH uses tend to be geek oriented, and do not secure stuff that is under heavy attack. Does anyone have any examples of SSH securing something that was valuable to the user,

Re: Citibank discloses private information to improve security

2005-05-31 Thread Amir Herzberg
With bank web sites, experience has shown that only 0.3% of users are deterred by an invalid certificate, probably because very few users have any idea what a certificate authority is, what it does, or why they should care. (And if you have seen the experts debating what a certificate

Re: Citibank discloses private information to improve security

2005-05-31 Thread Victor Duchovni
On Tue, May 31, 2005 at 02:45:56PM +0100, Ian G wrote: On Saturday 28 May 2005 18:47, James A. Donald wrote: Do we have any comparable experience on SSH logins? Existing SSH uses tend to be geek oriented, and do not secure stuff that is under heavy attack. Does anyone have any

RE: Citibank discloses private information to improve security

2005-05-31 Thread Peter Gutmann
Heyman, Michael [EMAIL PROTECTED] writes: In this situation, I believe that the users, through hard won experience with computers, _correctly_ assumed this was a false positive. Probably not. This issue was discussed at some length on the hcisec list, (security usability,

Re: Citibank discloses private information to improve security

2005-05-31 Thread Lance James
Ed Gerck wrote: Suppose you choose A4RT as your codeword. The codeword has no privacy concern (it does not identify you) and is dynamic -- you can change it at will, if you suspect someone else got it. Compare with the other two identifiers that Citibank is using. Your full name is private

Re: Citibank discloses private information to improve security

2005-05-31 Thread Anne Lynn Wheeler
Adam Fields wrote: Moreover, in my experience (as I've mentioned before on this list), noticing an invalid certificate is absolutely useless if the banks won't verify via another channel a) that it changed, b) what the new value is or c) what the old value is. I've tried. They won't/can't.

Re: Citibank discloses private information to improve security

2005-05-31 Thread Steven M. Bellovin
Bank of America is adopting some new schemes that might help. First, they're asking users to select a picture the user selected at registration time. The theory is presumably that a phishing site won't have the right image for you. Second, you can register your computer; if your account is

Re: Citibank discloses private information to improve security

2005-05-31 Thread Anne Lynn Wheeler
Steven M. Bellovin wrote: Bank of America is adopting some new schemes that might help. First, they're asking users to select a picture the user selected at registration time. The theory is presumably that a phishing site won't have the right image for you. Second, you can register your

Re: Citibank discloses private information to improve security

2005-05-31 Thread Anne Lynn Wheeler
Steven M. Bellovin wrote: Bank of America is adopting some new schemes that might help. First, they're asking users to select a picture the user selected at registration time. The theory is presumably that a phishing site won't have the right image for you. Second, you can register your

Re: Citibank discloses private information to improve security

2005-05-31 Thread Anne Lynn Wheeler
just for the heck of it ... something today more from the physical world ATM scams added to GASAs fraud library http://www.atmmarketplace.com/news_story_23307.htm CAPE TOWN, South Africa and BROOKINGS, S.D. The ATM Industry Association's Global ATM Security Alliance launched its online

Re: Citibank discloses private information to improve security

2005-05-31 Thread Anne Lynn Wheeler
oops, sorry, forgot to include this one Hong Kong banks to introduce two-factor authentication for online transactions http://www.finextra.com/fullstory.asp?id=13744 Banks in Hong Kong are set to introduce two-factor authentication services to the country's 2.7 million Internet banking

Re: Citibank discloses private information to improve security

2005-05-31 Thread Anne Lynn Wheeler
Ed Gerck wrote: Also, in an effort to make their certs more valuable, CAs have made digitally signed messages imply too much -- much more than they warrant or can even represent. There are now all sorts of legal implications tied to PKI signatures, in my opinion largely exagerated and

Re: Citibank discloses private information to improve security

2005-05-30 Thread Lance James
But from your point, the codeword would be in the clear as well. Respectively speaking, I don't see how either solution would solve this. Ed Gerck wrote: List, In an effort to stop phishing emails, Citibank is including in a plaintext email the full name of the account holder and the last

Re: Citibank discloses private information to improve security

2005-05-30 Thread Ed Gerck
Suppose you choose A4RT as your codeword. The codeword has no privacy concern (it does not identify you) and is dynamic -- you can change it at will, if you suspect someone else got it. Compare with the other two identifiers that Citibank is using. Your full name is private and static. The ATM's

Re: Citibank discloses private information to improve security

2005-05-30 Thread Matt Crawford
On May 26, 2005, at 13:24, Ed Gerck wrote: A better solution, along the same lines, would have been for Citibank to ask from their account holders when they login for Internet banking, whether they would like to set up a three- or four-character combination to be used in all emails from the

Re: Citibank discloses private information to improve security

2005-05-30 Thread Ed Gerck
Wells Fargo reported to me some time ago that they tried using digitally signed S/MIME email messages and it did not work even for their _own employees_. Also, in an effort to make their certs more valuable, CAs have made digitally signed messages imply too much -- much more than they warrant or

Re: Citibank discloses private information to improve security

2005-05-30 Thread James A. Donald
-- On 26 May 2005 at 11:24, Ed Gerck wrote: A better solution, along the same lines, would have been for Citibank to ask from their account holders when they login for Internet banking, whether they would like to set up a three- or four-character combination to be used in all emails

Citibank discloses private information to improve security

2005-05-26 Thread Ed Gerck
List, In an effort to stop phishing emails, Citibank is including in a plaintext email the full name of the account holder and the last four digits of the ATM card. Not only are these personal identifiers sent in an insecure communication, such use is not authorized by the person they identify.