From: Subject: ePSO Newsletter Date: Sun, 17 Sep 2006 22:39:18 +0200 MIME-Version: 1.0 Content-Type: multipart/related; boundary="----=_NextPart_000_0005_01C6DAAA.1CD31990"; type="text/html" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2800.1807 This is a multi-part message in MIME format. ------=_NextPart_000_0005_01C6DAAA.1CD31990 Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Location: http://web.archive.org/web/20021016110137/http://epso.jrc.es/newsletter/vol10/1.html =EF=BB=BF ePSO Newsletter

[Back to Table = of=20 Contents]

[10&1]

Editorial: Authentication, = Privacy and=20 Regulation

Simon Lelieveldt = (simonl@wxs.nl),=20 Amsterdam, The Netherlands, and Arnd Weber (arnd.weber@itas.fzk.de), ITAS, Karlsruhe, Germany

/security/privacy/regulation

This issue focuses on = authentication and=20 privacy. The development of credit card charge backs is addressed, = these=20 being a major driving force for proposals such as 3D Secure = (Verified by=20 Visa), SPA/UCAF, and pseudo card numbers. The pros and cons of = these=20 technical solutions are reviewed. Furthermore, this issue = addresses the=20 achievability of unobservable purchases and payments on networks. = In=20 addition there are comments on the demise of Flooz and Beenz, = there is a=20 review of the new "Blue Book" of the European Central Bank, and = the ePSO=20 Conference taking place in Brussels on February 19, 2002 is=20 announced.

We start this issue with an = article by Oliver=20 Steeley on the latest efforts of the credit card companies to = improve=20 authentication of payments on the Internet. Oliver compares the=20 initiatives by VISA and Mastercard. It is interesting to read in = Oliver=20 Steeley?s article how the large card schemes are trying to resolve = the=20 problem of safe payments in different ways. With Oliver Steeley we = wonder=20 why ? as with SET ? the card schemes did not launch a joint effort = from=20 the very beginning. Perhaps fear of more anti-competition = enquiries has=20 driven them to an initial development of separate protocols, = possibly with=20 a future harmonised framework up their sleeves. This would allow = the=20 schemes to act responsively to the market calls for harmonisation = instead=20 of being accused upfront of being monopolistic.

The topic is continued with an = interview with=20 Tilo Sch=C3=BCrer of Bankgesellschaft Berlin. He points out that = charge backs=20 on the Internet, a significant problem in 1999, have actually = diminished.=20 Tilo Sch=C3=BCrer talks about the reasons for the decrease, and = spells out why=20 for his bank, 3D Secure would be the preferred approach compared = to=20 SPA/UCAF.

On this topic it is also = worthwhile to monitor=20 the behaviour of Microsoft. This summer Microsoft has signed = licensing=20 agreements with both Orbiscom and Coyota to be able to use the = pseudo card=20 number technology for protection of payments made as a part of the = Passport-service to consumers. Perhaps this move will be decisive = in=20 establishing pseudo card numbers as the de facto payment = protection=20 standard. It will however also raise new questions, both with = respect to=20 competition (will the Liberty Alliance then back the other = methods?) and=20 with respect to privacy/security (is Microsoft Passport secure = enough and=20 does it respect privacy?).

In the articles by Victor Dostov = and Hannes=20 Federrath we show the technical level of privacy protection that = is=20 possible today. Typical approaches today are that a company = promises not=20 to sell data, or a government regulates that using data for other = purposes=20 than those mentioned during collection is illegal. Of course, this = means=20 that quite a lot of data are collected nevertheless. Also remember = that on=20 networks, both hardware and software produce plenty of traces, = such as IP=20 numbers, the network cards Media Access Control addresses, = Microsoft=20 product IDs, etc. These can be used to trace users [Reavis 1999]. = As=20 opposed to trusting promises and regulations made by companies or=20 governments that data will not be abused, the two articles show = that it is=20 possible to avoid traces of purchases in the first place. Read = Victor=20 Dostov?s article about pseudonymously opened accounts and = untraceable=20 electronic money from his Russian company Paycash. You may wonder = what=20 good untraceable money is if providers or governments store IP = addresses.=20 Also the merchant needs a delivery address, either in the physical = world=20 or an IP address. So providing an untraceable payment is not = enough if the=20 delivery can be traced by using addresses. Exactly this problem is = addressed in Hannes Federrath?s article about so-called Mixes. The = articles have a message to regulators, in particular those who = want to=20 encourage the use of technologies avoiding data traces in the = first place:=20 this is how it can work. From the articles it also becomes = apparent that=20 untraceability cannot be achieved without some costs. Also, an = electronic=20 money technology reduces a buyer?s power to undo a payment, a = feature=20 addressed in the interview with Tilo Sch=C3=BCrer. Unless = anonymous accounts=20 were used for postpayments in the first place ? see Victor = Dostov?s=20 article regarding account opening.

The electronic Payment Systems = Observatory not=20 only analyses new developments, but also failures of promising = candidates.=20 In this issue Hugo Godschalk reports on the demise of two such = systems,=20 the Beenz and Flooz digital currencies.

The editors of this newsletter = would also like=20 to draw your attention to the forthcoming ePSO Conference on = February 19,=20 2002 in Brussels. Find more about it in the contribution by = Ioannis=20 Maghiros. As usual we close this issue with a review by Leo van = Hove. He=20 has gone through the European Central Bank?s 750 page report on = the=20 "Payment and Securities Settlement Systems in the European Union". = Leo van=20 Hove?s article conveys his impression of the qualities of the new = "Blue=20 Book".

   

[reply]

To start discussion on this = article in the=20 ePSO-Forum just click the reply-button.

[info]
  • Microsoft Gives Boost to = Surrogate Card=20 Numbers: http://www.banktechnews.com/btn/articles/btnoct01-1.shtml= =20
  • Reavis, Jim: How you get = tracked on the=20 'Net. Network World Fusion 1999 http://www.nwfusion.com/newsletters/sec/1101sec2.html= http://www.nwfusion.com/newsletters/sec/1108sec1.html= =20
  • Marc Slemko: Microsoft Passport = to Trouble.=20 2001/11/05. http://alive.znep.com/~marcs/passport/ =

[Back to Table = of=20 Contents]

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