Menu
Home
People
Places
Arts
History
Plants & Animals
Science
Life & Culture
Technology
Reference.org
SiteKey
open-in-new
<h2 id="how-it-works">How it works</h2> <p>SiteKey uses the following <a href="/facts/Challenge%E2%80%93response/QTMRmhpM">challenge–response</a> technique:<a class="footnote-ref" id="fnref:3" href="#fn:3"><sup>3</sup></a><a class="footnote-ref" id="fnref:4" href="#fn:4"><sup>4</sup></a><a class="footnote-ref" id="fnref:5" href="#fn:5"><sup>5</sup></a> </p> <ol><li>The user <i>identifies</i> (not authenticates) themself to the site by entering their username (but not their password). If the username is a valid one, the site proceeds.</li> <li>If the user's browser does not contain a client-side state token (such as a <a href="/facts/Web_cookie/o1laXyng">Web cookie</a> or a <a href="/facts/Flash_cookie/6fCyPJR4">Flash cookie</a>) from a previous visit, the user is prompted for answers to one or more of the "<a href="/facts/Security_questions/qIQxJJd5">security questions</a>" the user-specified at site sign-up time, such as "Which school did you last attend?"</li> <li>The site authenticates itself to the user by displaying an image and/or accompanying phrase that they have earlier configured. If the user does not recognize these as their own, they are to assume the site is a <a href="/facts/Phishing_site/hvgfz4U8">phishing site</a> and immediately abandon it. If the user does recognize them, they may consider the site authentic and proceed.</li> <li>The user authenticates themself to the site by entering their password. If the password is not valid for that username, the whole process begins again. If it is valid, the user is considered authenticated and logged in.</li></ol> <p>If the user is at a phishing site with a different Web site domain than the legitimate domain, the user's browser will refuse to send the state token in step (2); the phishing site owner will either need to skip displaying the correct security image, or prompt the user for the security question(s) obtained from the legitimate domain and pass on the answers. In theory, this could cause the user to become suspicious, since the user might be surprised to be re-prompted for security questions even if they have used the legitimate domain from their browser recently. However, in practice, there are evidence users generally fail to notice such anomalies.<a class="footnote-ref" id="fnref:6" href="#fn:6"><sup>6</sup></a> </p> <h2 id="weaknesses">Weaknesses</h2> <p>A Harvard study<a class="footnote-ref" id="fnref:7" href="#fn:7"><sup>7</sup></a><a class="footnote-ref" id="fnref:8" href="#fn:8"><sup>8</sup></a> found SiteKey 97% ineffective. In practice, real people don't notice, or don't care, when the SiteKey is missing, according to their results. </p><p>It also requires users to keep track of more authentication information. Someone associated with <i>N</i> different websites that use SiteKey must remember <i>N</i> different 4-<a href="/facts/Tuple/BI1HIxL8">tuples</a> of information: <i>(site, username, phrase, password)</i>. </p> <h2 id="discontinuation">Discontinuation</h2> <p>In May 2015, Bank of America announced that SiteKey would be discontinued for all users by the end of the year, and would allow users to log in with their username and password in one step.<a class="footnote-ref" id="fnref:9" href="#fn:9"><sup>9</sup></a> In July 2015, Vanguard also discontinued the use of SiteKey for its website.<a class="footnote-ref" id="fnref:10" href="#fn:10"><sup>10</sup></a> </p> <h2 id="notes">Notes</h2> <h2 id="external-links">External links</h2> <ul><li><a href="https://www.ffiec.gov/bsa_aml_infobase/documents/new_5_2007/OCC/BL_2005_35.pdf">Authentication in an Online Banking Environment</a></li> <li><a href="http://www.bankofamerica.com/privacy/sitekey/">SiteKey at Bank of America</a></li> <li><a href="http://cr-labs.com/publications/SiteKey-20060718.pdf">Fraud Vulnerabilities in SiteKey Security at Bank of America</a></li></ul> <h2 id="references">References</h2> <ol> <li id="fn:1"><p>"More security tools and simpler sign-in at Bank of America". Archived from the original on 2015-05-10. Retrieved 2015-05-10. <a href="https://web.archive.org/web/20150510024701/http://info.bankofamerica.com/new-sign-in/" target="_blank">https://web.archive.org/web/20150510024701/http://info.bankofamerica.com/new-sign-in/</a> <a href="#fnref:1" class="footnote-back-ref">↩</a></p></li> <li id="fn:2"><p>"We've streamlined the process for logging on to Vanguard.com". Archived from the original on 2016-03-04. <a href="https://web.archive.org/web/20160304054144/https://personal.vanguard.com/us/insights/article/Single-Signon-072015" target="_blank">https://web.archive.org/web/20160304054144/https://personal.vanguard.com/us/insights/article/Single-Signon-072015</a> <a href="#fnref:2" class="footnote-back-ref">↩</a></p></li> <li id="fn:3"><p>"Bank of America Online and Mobile Banking FAQs". <a href="https://www.bankofamerica.com/privacy/faq/sitekey-faq.go" target="_blank">https://www.bankofamerica.com/privacy/faq/sitekey-faq.go</a> <a href="#fnref:3" class="footnote-back-ref">↩</a></p></li> <li id="fn:4"><p>Jim Youll (18 July 2006). "Fraud Vulnerabilities in SiteKey Security at Bank of America" (PDF). Archived from the original (PDF) on 2016-12-31. <a href="https://web.archive.org/web/20161231004055/http://cr-labs.com/publications/SiteKey-20060718.pdf" target="_blank">https://web.archive.org/web/20161231004055/http://cr-labs.com/publications/SiteKey-20060718.pdf</a> <a href="#fnref:4" class="footnote-back-ref">↩</a></p></li> <li id="fn:5"><p>Stuart E. Schechter; Rachna Dhamija; Andy Ozment; Ian Fischer (4 February 2007). "The Emperor's New Security Indicators" (PDF). <a href="http://www.usablesecurity.org/emperor/emperor.pdf" target="_blank">http://www.usablesecurity.org/emperor/emperor.pdf</a> <a href="#fnref:5" class="footnote-back-ref">↩</a></p></li> <li id="fn:6"><p>Stuart E. Schechter; Rachna Dhamija; Andy Ozment; Ian Fischer (4 February 2007). "The Emperor's New Security Indicators" (PDF). <a href="http://www.usablesecurity.org/emperor/emperor.pdf" target="_blank">http://www.usablesecurity.org/emperor/emperor.pdf</a> <a href="#fnref:6" class="footnote-back-ref">↩</a></p></li> <li id="fn:7"><p>Joel Hruska (20 June 2007). "Security study pokes holes in advanced authentication claims". Ars Technica. <a href="https://arstechnica.com/security/2007/06/sec/" target="_blank">https://arstechnica.com/security/2007/06/sec/</a> <a href="#fnref:7" class="footnote-back-ref">↩</a></p></li> <li id="fn:8"><p>Schecter; Dhamija; Ozment; Fischer (2007-05-20). "The Emperor's New Security Indicators: An evaluation of website authentication and the effect of roleplaying on usability studies" (PDF). Archived from the original (PDF) on 2007-09-27. Retrieved 2020-04-23. {{cite journal}}: Cite journal requires |journal= (help) <a href="https://web.archive.org/web/20070927171729/http://people.seas.harvard.edu/~rachna/papers/emperor-security-indicators-bank-sitekey-phishing-study.pdf" target="_blank">https://web.archive.org/web/20070927171729/http://people.seas.harvard.edu/~rachna/papers/emperor-security-indicators-bank-sitekey-phishing-study.pdf</a> <a href="#fnref:8" class="footnote-back-ref">↩</a></p></li> <li id="fn:9"><p>"More security tools and simpler sign-in at Bank of America". Archived from the original on 2015-05-10. Retrieved 2015-05-10. <a href="https://web.archive.org/web/20150510024701/http://info.bankofamerica.com/new-sign-in/" target="_blank">https://web.archive.org/web/20150510024701/http://info.bankofamerica.com/new-sign-in/</a> <a href="#fnref:9" class="footnote-back-ref">↩</a></p></li> <li id="fn:10"><p>"We've streamlined the process for logging on to Vanguard.com". Archived from the original on 2016-03-04. <a href="https://web.archive.org/web/20160304054144/https://personal.vanguard.com/us/insights/article/Single-Signon-072015" target="_blank">https://web.archive.org/web/20160304054144/https://personal.vanguard.com/us/insights/article/Single-Signon-072015</a> <a href="#fnref:10" class="footnote-back-ref">↩</a></p></li> </ol>