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FIDO UAF Adoption in Hong Kong


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A look at the rapidly growing ecosystem and deployments of FIDO Authentication in Hong Kong.

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FIDO UAF Adoption in Hong Kong

  1. 1. 0 Commercial Confidence FIDO UAF Adoption In Hong Kong Oct 2018
  2. 2. 1 Commercial Confidence Agenda 2FA in Hong Kong How FIDO UAF fits into the picture Adoption of FIDO UAF in HK Lessons learnt Next steps
  3. 3. 2 Commercial Confidence 2FA In Hong Kong HK is very serious and cautious about cyber security – Enactment of the Electronic Transactions Ordinance (Cap. 553) • Legal status of digital signature (created by Government recognized digital certificate) – Guidelines from financial regulators • Mandate adoption of 2FA for high risk transactions – Technology neutral, but mentioned the following » SMS OTP* » OTP Hard Token » Digital certificate » Soft token/ Biometric
  4. 4. 3 Commercial Confidence Privacy in Hong Kong Personal Data (Privacy) Ordinance* – “Organizations have to consider whether it is feasible to collect less sensitive biometric data or use other less privacy intrusive means to achieve the same organizational purpose.” – Biometric data collection should be “necessary and not excessive” – Preference on Match on Device • Remove the risk of biometric data storage hence leakage at central server • Service provider should conduct Privacy Impact Assessment (“PIA”) otherwise * publications/files/GN_biometric_e.pdf
  5. 5. 4 Commercial Confidence On Device Biometric Authentication HK Population (Mid 2018) ~ 7.45 million Mobile Subscribers in HK (Mar 2018) ~ 18.39M On Device Biometric Authentication – Face ID/ Touch ID/ Fingerprint API (Android) / Iris / Face recognition • “Who you are” – HK Monetary Authority - “a mere registration of the customer’s device may not be stringent enough to be regarded as “something a customer has” for 2FA purpose” – 1FA hence can only be used for low risk transactions • Eg. Account login/ general account inquiry
  6. 6. 5 Commercial Confidence FIDO UAF Almost a perfect fit to the 2FA requirements for Hong Kong – User authentication • On device matching => Preserve privacy – FIDO UAF key pair • Public key cryptography – Same as digital certificate » => Strong device binding => “What you have”
  7. 7. 6 Commercial Confidence FIDO UAF Adoptions In HK December 2016 – First FIDO UAF adoption by a bank to replace SMS OTP for mobile stock trading Currently – 6 banks – 5 stock brokers – 1 insurance company – 1 financial regulator – HK largest community benefactor – In excess of 2.5 million user accounts collectively
  8. 8. 7 Commercial Confidence Authentication As A Service (A3S) Service provider may have difficulties in implementing proper 2FA in house – Cost – Knowhow 1. Request service 3. Request Authentication 2. Request Authentication 4. Authentication 5. Result6. Service User Service Provider Trusted Third Party
  9. 9. 8 Commercial Confidence Lessons Learnt Handset support Offline Transactions Scalability Can FIDO UAF Do More?
  10. 10. 9 Commercial Confidence Handset Support
  11. 11. 10 Commercial Confidence FIDO UAF Framework
  12. 12. 11 Commercial Confidence Observations TEE FIDO Authenticator is highly secure, however – Handset with native TEE FIDO Authenticator is still very limited in market – Some phone manufacturers has blocked access to the native FIDO authenticators on its devices – Not all TEE based FIDO Authenticators behave the same way • E.g. Language support…. – FIDO Metadata service… TEE-only solution limited the adoption of FIDO UAF
  13. 13. 12 Commercial Confidence Work Around – Software based Authenticator can be stepped up to mitigate the risks and achieved a level of security similar to TEE based Authenticator • Properly leverage and employ the on device Secure Enclave/ Hardware backend keystore • Device health check can be performed before the installation of Software Authenticator – Only those non-rooted Android M and above devices that passed the Google Compatibility Test Suite (CTS) check can be used – Effectively eliminate any devices with Modified or Unofficial Firmware/ ROM • Root detection • Realtime App Self Protection (RASP)
  14. 14. 13 Commercial Confidence Offline Transactions
  15. 15. 14 Commercial Confidence Offline Transactions FIDO = Fast Identity Online Not all transactions are “online” in reality – E.g. user traveling overseas without roaming nor wifi connection Most soft token (OTP) solutions in market can be used both online and offline – Less secure than FIDO due to the weak OTP seed protection as well as the system clock can be easily adjusted on mobile device – Key sales pitch against FIDO Can FIDO UAF be enhanced to address this?
  16. 16. 15 Commercial Confidence Scalability
  17. 17. 16 Commercial Confidence Scalability Key Strength of FIDO = Security – Leverages device computation power and connectivity – Use of public key cryptography Come with a cost – Bandwidth, message protocol, backend computation, data base storage • Eg. User base = 1,000,000. Number of concurrent access = 2,000/ second
  18. 18. 17 Commercial Confidence Can FIDO UAF Do More? Can FIDO UAF be enhanced to support these? – Two way authentication • Server authentication – Data encryption • End to end – Digital signatures
  19. 19. 18 Commercial Confidence Next Steps
  20. 20. 19 Commercial Confidence Next Steps HK Electronic Identity (eID) – HK SAR Government initiative • Issue to all HK citizens for free (life time) • Cloud based (Operated by the Government) • eID link to user’s registered mobile device(s) • FIDO Authentication & Electronic Transactions Ordnance bound digital signature – Online & Offline • Supports both Government and commercial services • Go live by 2020…
  21. 21. 20 Commercial Confidence Hong Kong eID User Immigration Department User FIDO UAF authentication (fingerprint, face, Passcode) e-Service Recognized CA Government / Commercial Services Hong Kong eID
  22. 22. 21 Commercial Confidence Thank you