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Towards a more Secure Online Banking Experience Nick Owen October 2009 @wikidsystems [email_address]
Where are we going? And why are we in this hand-basket?
Authentication Evil Princess Duck  Bot Sweet Chicky Chirpalot
Session Authentication ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mutual/Host Authentication ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Transaction Authentication ,[object Object],[object Object],[object Object],[object Object]
What's the current situation?
Zeus!
Defeating Zeus ,[object Object],[object Object]
Are we done yet? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Open Source A5/1 Rainbow Tables!
Throw this in the mix Mobile Banking!
How can this be a good thing? ,[object Object],[object Object],[object Object],[object Object],[object Object]
If the problem is... ,[object Object],[object Object]
If the problem is... ,[object Object],[object Object]
If the problem is ,[object Object],[object Object]
But those are not the problems ,[object Object],[object Object]
Why aren't we here already? ,[object Object],[object Object],[object Object],[object Object],[object Object]
How about: Bankforge.net? ,[object Object],[object Object],[object Object],[object Object],[object Object]
Financial Aggregation Personal Finance Software OFX over SSL Aggregator Public Key Encryption Two-factor Authentication Transaction Authentication
Principles ,[object Object],[object Object],[object Object],[object Object]
Browser Improvements ,[object Object],[object Object]
UI Tweeks ,[object Object],[object Object]
OFX
OFX?
OFX on Sourceforge “ Hello Li. I'm sorry nobody has responded; that probably means nobody is able to help you. As you might have figured out already, the community for the OFX protocol is kind of narrow. It probably has to do with the lack of interest from the banks in fostering such a community.”
Can we have ATM-esque Security?
Summary ,[object Object],[object Object],[object Object],[object Object],[object Object]
Thanks! Nick Owen October 2009 @wikidsystems [email_address]

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