Saturday, November 7, 2009

Stupid security questions - ADP iPay - the beginning

So I'm registering for my iPay, the online payroll service by ADP that probably owes Apple money for stealing their iDea. I am required to choose two security questions out of the following:
  • What is the name of your first pet?
  • In what town does your nearest sibling live?
  • What is the name of your childhood best friend?
  • Who was your best man or maid/matron of honor at your wedding?
  • Where did you first meet your spouse/partner?
  • In what town was your first job?
  • What were the year, make, and model of your first car?
  • What was your first job?
  • What is your favorite past-time?
  • What was your favorite subject in school?
I read them and take several minutes to try to decide which ones to use, and I become increasingly irritated, because they're all bad.

I've been irritated by security questions before, but for some reason these particular options annoyed me so much that I was inspired to write this huge rant on bad security questions. I've seen worse questions, I suppose, so this was really more of a 'straw that broke the camel's back' but now I'm in the mood to criticize, so let's get started:

To understand my problems with these specific security questions, let's take a look at what makes a good security question:
  1. It actually applies to you/has an answer
  2. It's something that few other people know or can find out (e.g. by checking their target's blog?)
  3. It's not something that can be guessed easily
  4. You will definitely know/remember the answer
  5. The answer won't change
  6. There's only one good answer to it, or one that is obviously best/most correct
  7. That answer can only be typed/phrased in one way that immediately comes to mind, god help you if it's case sensitive
  8. That answer will meet the minimum length requirement
So, security questions have 3 basic problems:
  • Some of them don't apply to people, or they can't answer it easily
  • Some people won't be able to remember exactly what they typed 6 months later
  • Some of them are easy to find the answer to, or even just guess
Based on the requirements, what makes a 'good' security question depends heavily on the person who is answering it. For my dad, the first car question would be pretty good, probably a handful of people in the world ever knew, and few remember. For me, my first car is also my current car, so anybody who lives near me, works near me, etc, could probably answer it without too much effort. Perhaps my life isn't as typical and straightforward as most others', but I can't be the only one who has this sort of problem.

My problems with the questions they offer:
  • What is the name of your first pet?
I dunno, I had some hermit crabs in grade school, but I don't think there's a person alive who remembers their names. Plus there were several of them, so which one would I put if I did remember? If you don't count minor pets (Should you? Will I remember which pets 'count' a year later when I have to answer this?) then I'm left with my current pet, a cat whose name my wife has posted enthusiastically on Facebook and on her blog.

Really, this question is only usable if you (a) had only one pet at a time, and (b) had a pet that lived long enough (or recently enough) for you to remember their name. In my experience pet owners tend to have more than one, and unless it's a dog or cat you won't remember what you called it. So for many people this fails on #1 (Applicability) or #6 (Ambiguousness), and for people with blogs it might fail on #2(Privateness) as well.

What's worse, while people can be very imaginative in naming their pets, they can also pick ones on this list. Even if you're really careful about allowing too many attempts, the attacker can just figure out your threshold and go a little bit slower. So this fails #3 as well. This question can also run afoul of #8, since there are people who name their dog 'Rex' and websites that require four or five character answers.
  • In what town does your nearest sibling live?
I have two siblings. Wait, that's not quite true. I also have a step-sibling. Does he count? He's living on the opposite coast, so I suppose it doesn't really matter, but the question isn't as clear cut as it was at first glance. The two closer siblings currently live about the same distance away, but let's say I consulted Google Maps and found the answer. Next year I need to reset my password and... they've graduated from college and moved somewhere else. Do I try and remember when I signed up for it, and which sibling was living where at the time? So that definitely fails #5 (Invariance). It doesn't work at all for only children, or those whose siblings are deceased. Since it doesn't specify the town only, perhaps #7 (Unambiguous phrasing) too.
  • What is the name of your childhood best friend?
As a kid I lived in two different places, went to four different school districts, and had different best friends at each one. Even just counting elementary school, there were at least two or three kids I think of when I am asked who my 'best friend' was. There was one who was perhaps a bit closer than the rest, but damnit, I don't remember how to spell his last name. Maybe I should just use his first name. Or his nickname. Will I remember to do that two years later when it asks me? Of course not. I'll be trying different spellings and wondering why it isn't working. For most people this fails #6 (Unambiguousness) HARD, and in some cases #7(Unambiguous phrasing) as well.
  • Who was your best man or maid/matron of honor at your wedding?
Well given that this is a payroll website and not MySpace I suppose most (but of course not all!) people using it will be married. My wedding was not exactly a formal affair, so it didn't have a best man per se, but my younger sibling was the one who handed us the rings during the ceremony, so I guess that counts. Attack idea: Check your victim's Facebook page and see if they have any siblings. #2(Privateness) is sort of a problem here, and #1 (Applicability), but it's hardly the worst question on this list.
  • Where did you first meet your spouse/partner?
Ah. Finally one I have a good, simple answer to, one that immediately comes to mind that I don't wonder about how to phrase it or spell it, and won't change. Just put in the name of the place we met and... must be at least 6 characters! At least it didn't ask what state we met in, then require 6 characters. Tough luck for those who met in Ohio (you laugh but it happens!), and by the way there's only 50 different states that I need to try if I want to hack your account. But I'm getting off their actual question. Fails on #8 (Allowability) for me.
  • In what town was your first job?
My blog history is currently private, so I'll temporarily ignore the fact that this is plastered all over it, and my resume, and the fact that anybody who ever asked me where I went to High School could answer it as well. "Where did you go to High School" is a pretty innocent question for anybody under 30, and most people start work during high school, near where they live. Unless they mowed lawns? Does that count? Do I put the state? That sort of fails #6 (Unambiguousness), but mostly #2 (Privateness).
  • What were the year, make, and model of your first car?
This one would be a bad choice for Tom and Ray Magliozzi of Car Talk fame--their automotive history is legendary. But if they didn't think "how many people know the answer to this question" before jumping to it because they love cars, millions of people might know or be able to find the answer. Celebrities, and people with public blogs, tend to make easy targets when their accounts are protected by security questions. Perhaps this question isn't so bad for most people whose first car has long been compacted into cubic meter of steel, but my first car is sitting outside in the parking lot, and I take it with me to work every day. Fails on point #2 (Privateness) for me. And do I include the trimline? #7 (Unambiguous phrasing) as well maybe, although it's only two different possibilities.
  • What was your first job?
My answer would be "cashier". I wonder how many people would answer this with "cashier"... A quarter of the population? A third? Off the top of my head, here's five jobs that I bet would cover 2/3 of the U.S. population:
Pizza Delivery

FAIL #3 (Unpredictability). #6 and #7 (Unambiguousness) might also be a problem, since some positions don't always have definite titles. Was I a 'cashier' or was I in 'retail'? Was my first job 'Pizza delivery' or was I a 'Delivery boy'?
  • What is your favorite past-time?
This fails #6 and #7 (Unambiguousness) so hard it makes my eyes bleed. I love to do lots of things, such as reading, biking, sex, etc but I suppose it's fair to say that I do one thing more than any of the others, and that is doing stuff with computers. What kind of stuff? Well all sorts! I like to check blogs, and write blogs, and edit wikipedia, and configure networks, and last year I enjoyed programming and systems administration and computer charity and... see what I mean? I could put "computering" which might best sum up my interests but it's not really a word, and maybe next year I'll focus on some different aspect of it and the answer will be different, and of course I'll never remember exactly what I put here, and it'll change too, failing #5 (Invariance). The point is that this one fails to have a clear-cut 'best' answer that comes immediately to mind. Are there people who can put down 'Sailing' and then six months later when asked their favorite pastime, get it right? Sure there are. Just like there are people who grew up with exactly one pet.
  • What was your favorite subject in school?
For me this immediately fails #2 (Privateness), since it also happens to correlate pretty strongly to my current employment as a computer security professional. Barring any knowledge of the target, here's a list of subjects that probably covers half the population:

Phys Ed

If I were to expand with specifics such as Calculus, Biology, Trigonometry, Literature, German, etc, and add different phrasing e.g. "Physical Education" and "Gym", I could probably bring that up to 90% or so. So it even fails on #3 (Unpredictability).

I ultimately picked two questions that weren't the best, but definitely wouldn't lock me out of my account if I forgot the password. Fortunately their password policy allowed some special characters, although for reasons unknown it didn't allow all special characters, just a few.

So ultimately I give iPay a D. I did manage to find questions that worked for me, but some of their questions were weak, and some were vague or open enough that I'd have to remember what I put down (which defeats the point) or make many attempts to guess my own security question answer.

1 comment:

  1. Signed up for my local credit union online account here and out of the choices for questions (and I had to pick two), every one of them failed 4, 5, 6 and 7 in my opinion. Finally went with two questions that pretty much fail 2, and 3. One of which has a problem of "can I type it the same way every time even though I know the 'real' answer"? Is it "The Xxxxs" or "Xxxxs" or "Xxxx" or "xxxxs" or "xxxx"? sigh