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Electronic authentication, also referred to as e-authentication is the process of establishing confidence in user identities electronically presented to an information system. In online environments, the username identifies the user, while the password authenticates that the user is whom he claims to be. There are various ways to increase layer of security to transaction through E-authentication, often known as MFA (multifactor authentication). It can be a token, captcha, or a challenge question. Users can only continue with their activities or/and access more information from database after verified through E-authentication.
Usually, accounts which are complicated to register and have more restrictions on users are secured with more advanced e-authentication procedures. E-authentication also presents a technical challenge when this process involves the remote authentication of individual people over a network, for the purpose of electronic government and commerce.
- 1 Overview
- 2 E-authentication methods
- 3 Electronic credentials
- 4 Verifiers
- 5 Risk assessment
- 6 The role of E-authentication
- 7 Other applications
- 8 See also
- 9 References
- 10 External links
In the conceptual e-authentication model, a claimant in an authentication protocol is a subscriber to some Credential Service Provider (CSP). At some point, an applicant registers with a Registration Authority (RA), which verifies the identity of the applicant, typically through the presentation of paper credentials and by records in databases. This process is called identity proofing. The RA, in turn, vouches for the identity of the applicant (and possibly other verified attributes) to a CSP. The applicant then becomes a subscriber of the CSP. The CSP establishes a mechanism to uniquely identify each subscriber and the associated tokens and credentials issued to that subscriber. There is always a relationship between the RA and CSP. In the simplest and perhaps the most common case, the RA/CSP are separate functions of the same entity. However, an RA might be part of a company or organization that registers subscribers with an independent CSP, or several different CSPs. Therefore, a CSP may have an integral RA, or it may have relationships with multiple independent RAs, and an RA may have relationships with different CSPs as well.
Authentication systems are often categorized by the number of factors that they incorporate. The three factors often considered as the cornerstone of authentication are: Something you know (for example, a password) Something you have (for example, an ID badge or a cryptographic key) Something you are (for example, a voice print or other biometric)
Multifactor authentication is generally more secure than single-factor authentication. But, some multi-factor authentication approaches are still vulnerable to cases like man-in-the-middle attacks and Trojan attacks.  Common methods used in authentication systems are summarized below.
Tokens generically are something the claimant possesses and controls that may be used to authenticate the claimant’s identity. In e-authentication, the claimant authenticates to a system or application over a network. Therefore, a token used for e-authentication is a secret and the token must be protected. The token may, for example, be a cryptographic key, that is protected by encrypting it under a password. An impostor must steal the encrypted key and learn the password to use the token.
Passwords and PINs based Authentication
Passwords and PINs are categorized as “something you know” method. A combination of numbers, symbols, and mixed cases are considered to be stronger than all-letter password. Also, the adoption of Transport Layer Security (TLS) or Secure Socket Layer (SSL) features during the information transmission process will as well create an encrypted channel for data exchange and to further protect information delivered. Currently, most security attacks target on password-based authentication systems. 
This type of authentication has two parts. One is public key, the other is a private key. A public key is issued by a Certification Authority and is available to any user or server. A private key is known by the user only.
User shares a unique key with an authentication server. When the user sends a randomly generated message (the challenge) encrypted by the secret key to the authentication server, if the message can be matched by the server using its shared secret key, the user is authenticated. When implemented together with the password authentication, this method also provides a possible solution for two-factor authentication systems.
SMS based Authentication
User receives password by reading the message in the cell phone, and types back the password to complete the authentication. SMS is very effective when cell phones are commonly adopted. SMS is also suitable against man-in-the-middle (MITM) attacks, since the use of SMS does not involve Internet.
Biometric Authentication authenticates individuals by identifying his/her physiological or behavioral characteristic. The physiological features include but not limit to fingerprint, hand geometry, retina scan, iris Scan, signature dynamics, keyboard dynamics, voice print, and facial scan. The most widely used biometric authentication nowadays is the fingerprint method. 
Paper credentials are documents that attest to the identity or other attributes of an individual or entity called the subject of the credentials. Some common paper credentials include passports, birth certificates, driver’s licenses, and employee identity cards. The credentials themselves are authenticated in a variety of ways: traditionally perhaps by a signature or a seal, special papers and inks, high quality engraving, and today by more complex mechanisms, such as holograms, that make the credentials recognizable and difficult to copy or forge. In some cases, simple possession of the credentials is sufficient to establish that the physical holder of the credentials is indeed the subject of the credentials. More commonly, the credentials contain biometric information such as the subject’s description, a picture of the subject or the handwritten signature of the subject that can be used to authenticate that the holder of the credentials is indeed the subject of the credentials. When these paper credentials are presented in-person, authentication biometrics contained in those credentials can be checked to confirm that the physical holder of the credential is the subject. Electronic identity credentials bind a name and perhaps other attributes to a token. This recommendation does not prescribe particular kinds of electronic credentials. There are a variety of electronic credential types in use today, and new types of credentials are constantly being created. At a minimum, credentials include identifying information that permits recovery of the records of the registration associated with the credentials and a name that is associated with the subscriber.
In any authenticated on-line transaction, the verifier is the party that verifies that the claimant has possession and control of the token that verifies his or her identity. A claimant authenticates his or her identity to a verifier by the use of a token and an authentication protocol. This is called Proof of Possession (PoP). Many PoP protocols are designed so that a verifier, with no knowledge of the token before the authentication protocol run, learns nothing about the token from the run. The verifier and CSP may be the same entity, the verifier and relying party may be the same entity or they may all three be separate entities. It is undesirable for verifiers to learn shared secrets unless they are a part of the same entity as the CSP that registered the tokens. Where the verifier and the relying party are separate entities, the verifier must convey the result of the authentication protocol to the relying party. The object created by the verifier to convey this result is called an assertion.
When developing electronic systems, there are some industry standards requiring agencies to ensure the transactions provide appropriate level of assurance. Generally, servers adopt the Office of Management and Budget’s E-Authentication Guidance for Federal Agencies (M-04-04) as a guideline, which is published to help federal agencies provide secure electronic services that protect individual privacy. It asks agencies to check whether their transactions require E-authentication, and determine a proper level of assurance.
It established four levels of assurance:
Assurance Level 1: Little or no confidence in the asserted identity’s validity.
Assurance Level 2: Some confidence in the asserted identity’s validity.
Assurance Level 3: High confidence in the asserted identity’s validity.
Assurance Level 4: Very high confidence in the asserted identity’s validity.
Determining Assurance Levels
OMB proposes a five-step process to determine the appropriate assurance level for their applications:
- Conduct a risk assessment, which measures possible negative impacts.
- Compare with the five assurance level and decide which one suits this case.
- Select technology according to the technical guidance issued by NIST.
- Confirm the selected authentication process satisfies requirements.
- Reassess the system regularly and adjust it with changes.
The required level of authentication assurance are assessed through the factors below:
- Inconvenience, distress, or damage to standing or reputation;
- Financial loss or agency liability;
- Harm to agency programs or public interests;
- Unauthorized release of sensitive information;
- Personal safety; and/or civil or criminal violations.
Determining Technical Requirements
The NIST guidance defines technical requirements for each of the four levels of assurance in the following areas:
- Tokens are used for proving identity. Passwords and symmetric cryptographic keys are private information that the verifier need to protect. Asymmetric cryptographic keys have a private key (which only the subscriber knows) and a related public key.
- Identity proofing, registration, and the delivery of credentials that bind an identity to a token. This process can involve a far distance operation.
- Credentials, tokens, and authentication protocols can also be combined together to identify that a claimant is in fact the claimed subscriber.
- Assertion mechanism involves either a digital signature of the claimant or is acquired directly by a trusted third party through a secure authentication protocol.
The role of E-authentication
Triggered by the growth of new cloud solutions and online transactions, person-to-machine and machine-to-machine identities play a significant role in identifying individuals and accessing information. According to the Office of Management and Budget in the U.S, more than $70 million was spent on identity management solutions in both 2013 and 2014.
Governments use E-authentication systems to offer services and reduce time people traveling to a government office. Services ranging from applying for visas to renewing driver’s licenses can all be achieved in a more efficient and flexible way. Infrastructure to support e-authentication is regarded as an important component in successful e-government. Poor coordination and poor technical design might be major barriers to electronic authentication. In several countries there has been established nationwide common e-authentication schemes to ease the reuse of digital identities in different electronic services. Other policy initiatives have included the creation of frameworks for electronic authentication, in order to establish common levels of trust and possibly interoperability between different authentication schemes.
In the United States
E-authentication is a centerpiece of the United States government’s effort to expand electronic government, or e-government, as a way of making government more effective and efficient and easier for the American people to access. The e-authentication service enables users to access government services online using log-in IDs (identity credentials) from other web sites that both the user and the government trust. By enabling the government to rely on log-in IDs that citizens already have from trusted identity credential issuers (such as web sites and digital certificate issuers), e-authentication is providing a simple, convenient, secure way for the American public to access government services via the Internet. E-authentication is a government-wide partnership that is supported by the agencies that comprise the Federal CIO Council. The United States General Services Administration (GSA) is the lead agency partner. E-authentication works through an association with a trusted credential issuer, making it necessary for the user to login into the issuer’s site to obtain the authentication credentials. Those credentials or e-authentication ID are then transferred the supporting government web site causing authentication. E-authentication was created in response of an inter-governmental memorandum to the heads of all government departments and agencies on December 16, 2003. That memorandum was issued through the Executive Office of the President, Office of Management and Budget. Memorandum M04-04 Whitehouse. That memorandum updates the guidance issued under the Government Paperwork Elimination Act of 1998, 44 U.S.C. § 3504 and implements section 203 of the E-Government Act, 44 U.S.C. ch. 36 and provides guidelines for governmental departments and agencies when implementing E-authentication.
E-authentication is a centerpiece of the Russia government’s effort to expand e-government, as a way of making government more effective and efficient and easier for the Russian people to access. The e-authentication service enables users to access government services online using log-in IDs (identity credentials) they already have from web sites that they and the government trust.
Apart from government services, e-authentication is also widely used in other technology and industries. These new applications combine the features of authorizing identities in traditional database and new technology to provide a more secure and diverse use of E-authentication. Some examples are described below.
Mobile authentication is the verification of a user’s identity through the use a mobile device. It can be treated as an independent field or it can also be applied with other multifactor authentication schemes in the e-authentication field.
For mobile authentication, there are five levels of application sensitivity from Level 0 to Level 4. Level 0 is for public use over a mobile device and require no identity authentications, while level 4 has the most multi-procedures to identify users. For either level, mobile authentication is relatively easy to process. Firstly, users send a one-time password (OTP) through offline channels. Then, server identifies the information and make adjustment in the database. Since only the user has the access to PIN code and can send information through their mobile devices, there is a low risk of attacks.
in the early 1980s, Electronic Data Interchange (EDI) systems was implemented, which was considered as an early representative of E-commerce. But ensuring its security is not a significant issue since the systems are all constructed around closed networks. However, more recently, business-to-consumer transactions have transformed. Remote transacting parties have forced the implementation of E-commerce authentication systems.
Generally speaking, the approaches adopted in E-commerce authentication are basically the same as E-authentication. The difference is E-commerce authentication is a more narrow field that focus on the transactions between customers and suppliers. A simple example of E-coomerce authentication includes a client communicating with a merchant server via the Internet. The merchant server usually utilizes a web server to accept client requests, a database management system to manage data and a payment gateway to provide online payment services.
- Digital Government Society of North America
- E-Government Unit
- Electronic services delivery
- Online consultation
- Online deliberation
- Open-source governance
- Transformational Government
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- US government E-authentication website
- E-authentication Directive Memorandum M04-04
- DigiD - a common, digital identity implemented by the Dutch tax administration and 'GBO.Overheid' (Gemeenschappelijke Beheerorganisatie)
- Cartão do Cidadão - A Portuguese document that enables its holder to securely identify him/herself both in the physical and in the digital world
- Electronic Authentication Animations –Common Authentication Methods (Script)
- Electronic Authentication: Guidance for Selecting Secure Techniques
- Nascio Who are you? I really wanna know: E-authentication and its privacy implications
- Electronic Authentication Guideline(Special Publication 800-63-2), August 2013
- National Strategy for Trusted Identities in Cyberspace (NSTIC)