A security token (or sometimes a hardware token, hardbad token, authentication token, USB token, cryptographic token,[1] or key fob) may be a physical device that an authorized user of computer services is given to ease authentication. The term may also refer to software tokens.
Security tokens are used to prove one's identity electronically (as in the case of a customer trying to access their bank account). The token is used in addition to or in place of a password to prove that the customer is who they claim to be. The token acts like an electronic key to access something.
Some may store cryptographic keys, such as a digital signature, or biometric data, such as fingerprint minutiae. Some designs feature tamper resistant packaging, while others may include small keypads to allow entry of a PIN or a simple button to start a generating routine with some display capability to show a generated key number. Special designs include a USB connector, RFID functions or Bluetooth wireless interface to enable transfer of a generated key number sequence to a client system.
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There are five types of tokens:
This article currently focuses on synchronous dynamic password tokens.
The simplest security tokens do not need any connection to a computer. The client enters the number to a local keyboard as displayed on the token (second security factor), usually along with a PIN (first security factor), when asked to do so. Being disconnected from the authenticating server, however, renders such tokens vulnerable to man-in-the-middle attacks.
Other tokens connect to the computer using wireless techniques, such as Bluetooth. These tokens transfer a key sequence to the local client or to a nearby access point.
Alternatively, another form of token that have been widely available for many years are mobile devices which communicate using an out-of-band channel (like voice, SMS, USSD). Like physically disconnected tokens, out-of-band delivered tokens are also vulnerable to man-in-the-middle attacks.
Still other tokens plug into the computer. For these one must:
Depending on the type of the token, the computer OS will now either
Finally, a recent token approach called "virtual tokens" relies on the connection established through normal http/https internet protocols to exchange one-time digitally-signed key and token information with the connected internet device, thus reducing the risks associated with man-in-the-middle attacks while simultaneously reducing support and administration costs typically associated with other token solutions.
A related application is the hardware dongle required by some computer programs to prove ownership of the software. The dongle is placed in an input device and the software accesses the I/O device in question to authorize the use of the software in question.
1. Option 1: (for zero installation and excluded tokens): The minimum requirement of any token is at least an inherent unique identity in a protected memory that cannot be tampered with and preferably is not openly accessible to applications other than those offered by the token vendor or another trusted organization.
2. Option 2: (for out of band tokens): The minimum requirement of this form of token is connectivity from another medium like mobile network for USSD, SMS and voice. All you need is a registered telephone / mobile number.
The simplest vulnerability with any password container is losing the special key device or the activated smart phone with the integrated key function. Such vulnerability cannot be healed with any single token container device within the pre-set time span of activation. All further consideration presumes performance loss prevention, e.g. by additional electronic leash or body sensor and alarm.
Physically disconnected token approaches, including out-of-band approaches, are also vulnerable to man-in-the-middle attacks. In a man-in-the-middle attack, a fraudster acts as the "go-between" the user and the legitimate system, soliciting the token value from the user and then supplying it to the authentication system themselves. Since the token value is mathematically correct, the authentication succeeds and the fraudster is granted access. Citibank made headline news in 2006 when its hardware token-equipped business users became the victims of a large Ukrainian-based man-in-the-middle phishing attack.
Trusted as a regular hand-written signature, the digital signature must be made with a private key known only to the person authorized to make the signature. Tokens that allow secure on-board generation and storage of private keys enable secure digital signatures, and can also be used for user authentication, as the private key also serves as a proof for the user’s identity.
For tokens to identify the user, all tokens must have some kind of number that is unique. Not all approaches fully qualify as digital signatures according to some national laws. Tokens with no on-board keyboard or another user interface cannot be used in some signing scenarios, such as confirming a bank transaction based on the bank account number that the funds are to be transferred to.
Tokens can contain chips with functions varying from very simple to very complex, including multiple authentication methods. Commercial solutions are provided by a variety of vendors, each with their own proprietary (and often patented) implementation of variously used security features. Token designs meeting certain security standards are certified as FIPS compliant. Tokens without any kind of certification are sometimes viewed as suspect, as they often do not meet accepted government or industry security standards, have not been put through rigorous testing, and likely cannot provide the same level of cryptographic security as token solutions which have had their designs independently audited by 3rd party agencies.
Some of these security tokens are available both in hardware token and software token format. For example, two factor authentication provider ArrayShield offers both Software token and Hardware token as Security tokens. If one can observe, both hardware token and software token appear identical in their structure. But they both change in functionality.
Disconnected tokens have neither a physical nor logical connection to the client computer. They typically do not require a special input device, and instead use a built-in screen to display the generated authentication data, which the user enters manually themselves via a keyboard or keypad. Disconnected tokens are the most common type of security token used (usually in combination with a password) in two-factor authentication for online identification.[2]
Connected tokens are tokens that must be physically connected to the client computer. Tokens in this category will automatically transmit the authentication info to the client computer once a physical connection is made, eliminating the need for the user to manually enter the authentication info. However, in order to use a connected token the appropriate input device must be installed. The most common types of physical tokens are smart cards and USB tokens, which require a smart card reader and a USB port respectively.
Many connected tokens use SmartCard technlogy. SmartCards can be very cheap (around ten cents) and contain proven security mechanisms (as used by financial institutions, like cash cards). However, computational performance of SmartCards is often rather limited because of extreme low power consumption and ultra thin form-factor requirements.
Contactless tokens are the third main type of physical tokens. Unlike connected tokens, they form a logical connection to the client computer but do not require a physical connection. The absence of the need for physical contact makes them more convenient than both connected and disconnected tokens. As a result contactless tokens are a popular choice for keyless entry systems and electronic payment solutions such as Mobil Speedpass, which uses RFID to transmit authentication info from a keychain token. However, there have been various security concerns raised about RFID tokens after researchers at Johns Hopkins University and RSA Laboratories discovered that RFID tags could be easily cracked and cloned.[3] Another downside is that contactless tokens have relatively short battery lives; usually only 3–5 years, which is low compared to USB tokens which may last up to 10 years. Though some tokens do allow the batteries to be changed, thus reducing costs.
Bluetooth tokens are often combined with a USB token, thus working in both a connected and a disconnected state. Bluetooth authentication works when closer than 32 feet (10 meters). If the Bluetooth is not available, the token must be inserted into a USB input device to function.
In the USB mode of operation sign off required care for the token while mechanically coupled to the USB plug. The advantage with the Bluetooth mode of operation is the option of combining sign-off with a distance metrics. Respective products are in preparation, following the concepts of electronic leash.
A new category of T-FA tools allows users to utilize their mobile phone as a security token. A Java application installed on the mobile phone performs the functions normally provided by a dedicated token. Other methods of using the cell phone include using SMS messaging, instigating an interactive telephone call, or using standard Internet protocols such as HTTP or HTTPS.
Such a method can simplify deployment, reduce logistical costs and remove the need for separate token devices.[4] In the case of SMS options, there are trade-offs: users may incur fees for text messages or for WAP/HTTP services.
Some types of Single sign-on (SSO) solutions, like enterprise single sign-on, use the token to store software that allows for seamless authentication and password filling. As the passwords are stored on the token, users need not remember their passwords and therefore can select more secure passwords, or have more secure passwords assigned.
Virtual tokens are a new concept in multi-factor authentication first introduced in 2005 by the security company Sestus. Virtual tokens transmit one-time-use digitally-signed key and token information using internet-standard http/https delivery methods, reducing the costs normally associated with implementation and maintenance of multi-factor solutions. Virtual tokens utilize the user's existing internet device as the "something the user has" factor. Since the user's internet device is communicating directly with the authenticating website, the solution does not suffer from man-in-the-middle attacks and other forms of online fraud. Virtual tokens are fundamentally different than 'soft (software) tokens'. Unlike soft tokens, virtual tokens deploy no software to the user, thus reducing support requirements and interoperability issues.
Security tokens provide the "what you have" component in two-factor authentication and multi-factor authentication solutions. Some tokens provide up to three factors of authentication,[5] or allow you to combine different factors to create multifactor authentication[6]
A one-time password is a password that changes after each login, or changes after a set time interval.
Another type of one-time password uses a complex mathematical algorithm, such as a hash chain, to generate a series of one-time passwords from a secret shared key. Each password is unguessable, even when previous passwords are known. The open source OATH algorithm is standardized; other algorithms are covered by U.S. patents. Each new password is unique, so an unauthorized user would be unable to guess what the new password may be, based on previously used passwords.
Time-synchronized one-time passwords change constantly at a set time interval, e.g. once per minute. To do this some sort of synchronization must exist between the client's token and the authentication server. For disconnected tokens this time-synchronization is done before the token is distributed to the client. Other token types do the synchronization when the token is inserted into an input device. The main problem with time-synchronized tokens is that they can, over time, become unsynchronized. However, some such systems, such as RSA's SecurID, allow the user to resynchronize the server with the token, sometimes by entering several consecutive passcodes. Most also cannot have replaceable batteries and only last up to 5 years before having to be replaced - so there is additional cost.
The PC card tokens are made to only work with laptops. Type II PC Cards are preferred as a token as they are half as thick as Type III.
Smart cards are relatively inexpensive compared to other tokens. There are also significant wear-and-tear on the smart cards themselves because of the friction on the electronic contacts the card is inserted. This has the potential to reduce the lifespan of a smart card token.
The Universal Serial Bus has become a standard in computers today, USB tokens are therefore often a cheaper alternative than other tokens needing a special input device.
VeriSign offers several different token types, from security cards to voice passcodes, as part of their Unified Authentication services.[10][11] A custom-branded version of their One-Time Password (OTP) Token is used by PayPal and eBay as an extra layer of authentication for consumers when logging in to their websites.[12]
Smart-card-based USB tokens which contain a smart card chip inside provide the functionality of both USB tokens and smart cards. They enable a broad range of security solutions and provide the abilities and security of a traditional smart card without requiring a unique input device. From the computer operating system's point of view such a token is a USB-connected smart card reader with one non-removable smart card present.[13] Some these tokens are also made to support the NIST standard for Personal Identity Verification (PIV).[14]
Some use a special purpose interface (e.g. the crypto ignition key deployed by the United States National Security Agency). Tokens can also be used as a photo ID card. Cell phones and PDAs can also serve as security tokens with proper programming.