How are 'Secret Questions' Secure?
Anonymous Howard wonders: "It seems that every authentication system these days requires me to provide the answers to several personal questions, such as 'Mother's Maiden Name' and 'Name of High School' for resetting lost passwords. I've always disliked this method because it is completely open to anyone with some personal information about me, but now it seems that its security continues to degrade as more and more Help Desk Reps can easily see this same information about me. Can anyone explain to me how these questions/answers, which seem to vary little among systems, are in the least bit secure?" You have to have some way of identifying yourself if you forget your password. If you feel the same way about these 'secret questions', how would you implement a secure facility to change passwords?
The one that bothers me is last four digits of social. In a privacy obsessed world, we've basically taken a nine digit key and reduced it to a four digit key.
This is a boring sig
The leading digits can be guessed if you know when and where the social security card was issued.
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I've worked on a few systems which allowed you to choose your own secret questions and answers, but they're really not that much better.
One of the better solutions I saw required you to register at least two of (1)an e-mail address, (2) an SMS number, and (3) a facsimile number. If you lost your password you went to the "forgot password" interface, entered your username and asked it to send a message to one of the registered points (it would just say "E-mail," "SMS" or "Facsimile" and not divulge the specific details). The message contained a one-time URL which expired in 24 hours and allowed you to set a new password. When the password got reset, a message was sent out to all registered points detailing when and where from (IP address) this occured. Self-service all the way.