Knowledge-based authentication: Difference between revisions

Revision as of 08:57, 25 September 2020

Revision as of 05:06, 20 February 2021

Line 1:

'''Knowledge-based authentication''', commonly referred to as '''KBA''', is a method of [[authentication]] which seeks to prove the identity of someone accessing a service such as a financial institution or website. As the name suggests, KBA requires the knowledge of [[Personal data|private information]] offrom the individual to prove that the person providing the identity information is the owner of the identity. There are two types of KBA: ''static KBA'', which is based on a pre-agreed set of shared secrets, and ''dynamic KBA'', which is based on questions generated from a wider base of personal information.<ref>{{Cite journal|last=Skračić|first=K.|last2=Pale|first2=P.|last3=Jeren|first3=B.|date=May 2014|title=Question based user authentication in commercial environments|url=https://ieeexplore.ieee.org/abstract/document/6859790|journal=2014 37th International Convention on Information and Communication Technology, Electronics and Microelectronics (MIPRO)|pages=1422–1427|doi=10.1109/MIPRO.2014.6859790}}</ref>

== Static KBA (shared secrets) ==

Static KBA, also referred to as "shared secrets" or "shared secret questions", is commonly used by banks, financial services companies and e-mail providers to prove the identity of the customer before allowing account access or, as a fall-back, if the user forgets their password. At the point of initial contact with a customer, a business using static KBA must collect the information to be shared between the provider and customer—most commonly the questions and corresponding answers. This data must then be stored only to be retrieved when the customer comes back to access the account.

The weakness of static KBA was demonstrated in [[Sarah Palin email hack|an incident in 2008]] where unauthorisedunauthorized access was gained to the e-mail account of former Alaska Governor [[Sarah Palin]]. The [[Yahoo!]] account's password could be reset using shared secret questions including "where did you meet your spouse?" along with the date of birth and ZIP code of the former governor to which answers were easily available online.

Some identity verification providers have recently introduced secret sounds or pictures in an effort to help secure sites and information. These tactics require the same methods of data storage and retrieval as secret questions.