Lately I’ve been seeing this more and more on various Websites, especially ones that pride themselves on “high security” such as banks and online trading sites.
Every time I see it, however, I’m constantly reminded of how stupid it is. I’m speaking of site that require you to log in with a username and password as you normally would, but then ask you to verify your identity with one or more “security questions” such as the name of your first pet or your favorite color.
The idea is that even if someone has your username and password, they would be unable to guess the answer to these security questions unless they absolutely were you.
The two main flaws I see with this are:
1. People who know you well enough would know the answer to many of these questions. A spouse, parent, or brother/sister would likely know the name of the user’s first pet, for example.
2. The replies to these questions can be long, answered in many ways, are case-sensitive, and are often obscured and not shown in the clear. How many ways, for example, would you answer this question:
Q: What was the destination of your first airplane trip?
A: Hmm. It was to Salt Lake City in Utah. So did I enter this answer as “Salt Lake City” or “Utah” or “Salt Lake City, Utah”? I’ll try “Salt Lake City.” Oh, it said that was wrong. But did I just mistype it or is that the wrong answer. I’ll try it again. Still wrong. Great, I get one more try before my account is locked out.
Essentially what has been done here is the creation of multiple usernames and passwords for one site. All of the security questions and answers must be written down unless you can remember exactly how you entered the answers the first time you signed up. You remember that time, when you were frustrated that you had to pick five questions and answers in the first place and just wanted to sign up for the Website.
Stupid.