Gervase Markham wrote:
>Nelson B wrote:
>> Florian Weimer wrote:
>>> The universal client is not secure enough for most applications.  As a
>>> result, the purported non-repudiation part of such signing mechanisms
>>> is potentially harmful to end users.  
>> 
>> Please elaborate.

>I think what he means is that average computers today are so overrun by
>spyware and trojans that giving them a non-repudiatable way of
>authenticating transactions is actually a big risk to the user.

This message could though also be interpreted as: Due to the condition of
current computers, weak authentication is preferable to strong authentication,
as the latter may bind a user harder to an action than the former.

Legal practice has shown that in principle "anything" may be used as evidence,
including IP addresses and unsigned e-mail.  Therefore I think the term
"non-repudiation" should slowly be put to rest, even for digital signatures.
We are rather dealing with "strength of authentication", but with an additional
twist for digital signatures: Support for data integrity.

>I've certainly heard this from banks in the UK. They are developing
>portable smart card readers where users have to type numbers into the
>machine from the screen and type numbers back into the computer from the
>reader, just so they can have a secure platform for authenticating
>transactions. They are bypassing the client entirely.

"They are bypassing the client entirely" is a simplification.

They are bypassing "fat" clients, platform dependencies, card reader
installations, and non-standard signature software.  In case the "client"
is hacked deep enough this scheme is not secure (admittedly not an
easy hack but to hack a signature client is about the same work).
The UK system suffers from other weaknesses: One Time Passwords
(OTPs) are subject to real-time phishing attacks that does not require
any trojans or spyware at all, just a bad link in an e-mail.

>This, of course, is a usability nightmare. :-(

This is essentially where strong consumer authentication stands today.
It is extensively used by for example the Scandinavian banks.

Anders
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