Every day, data breaches, identity theft, and online fraud become increasingly widespread. Every year, millions of credentials are stolen or phished. In this climate, it is evident that more than password-based protection is required for employees, partners, and customers to access essential online resources.

Risk-Based Authentication (RBA), also known as Adaptive Authentication, is an authentication procedure that uses extra levels of authentication and identification depending on the risk profile to verify that the user requesting to authenticate is who they claim to be. The authentication procedure grows more extensive and restricted as the amount of danger rises.

On the one hand, the goal is to lessen the authentication load on users and give a better experience, while on the other hand, strong authentication is enforced when it is most needed. Geographic location, IP address, and antivirus software status are all common factors for determining risk.

RBA’s main metric is risk scores, which are used to calculate risk levels. Risk levels, on the other hand, determine whether a login attempt is genuine or likely fraudulent.

 

How Risk-Based Authentication works?

The majority of security software requires a user to log in at the start of a session, but once inside, the user is free to do as they like. To prevent fraudulent account access, risk-based authentication solutions incorporate multiple authentication mechanisms and weave them into a smooth login experience that causes as little inconvenience to the user as possible.

A risk profile is dynamic and non-stationary in risk-based authentication, as it is defined by the user’s actions. The risk score can consider factors like where the company’s traffic comes from, how fast they type, and whether they are acting unusually. Vendors assist enterprises in detecting suspicious behavior patterns by monitoring the behavior and danger of an activity.

RBA implementations typically require challenge and response questions. A second factor is required after submitting a username and password for another layer of authentication. In this two-factor authentication protocol, one party presents a question (challenge) and the other must provide a valid answer (response).

risk-based-authentication-workflow

Following are some of the factors that risk-based authentication considers while authenticating:

Device: If a person attempts to log in from a mobile device or computer that has never been used to get access previously, the RBA system will detect it.

Location: The RBA solution may enable a verification procedure if the user is in a different time zone or at a different location than the server.

Network: The logging-in user’s IP address should be familiar. The RBA system needs to know if the data is from another country, as this might indicate suspicious behavior.

Sensitivity: When a user attempts to obtain access to your organization’s classified files, accounts, or crucial pieces of information, the RBA solution will examine the user’s intent.

The system then decides what to do based on all of these factors. Users can be authenticated normally with a username and password to gain access or provide extra authentication as a proof to gain access.

The risk-based authentication system gives the business a score based on each user’s confidence level. For instance, if a user has a confidence score of 95 out of 100, the merchant may then decide whether they are satisfied with this confidence level or if they want to add another step to further verify that person.

 

How Risk-Based Authentication Can Help you?

There are various advantages to adaptive risk-based authentication for both organizations and individuals.

  • Enhances security: It serves as a high-performance security element that guards against cyber-attacks and accounts that have been compromised.
  • Frequently used: Risk-based authentication is well-known and frequently utilized in its various forms. Consumers and users will likely understand why authentication has been established, but they will only need to interact with it when a risk arises.
  • Helps with compliance: Some firms are required to comply with safety and security regulations. An RBA solution demonstrates that you value security.
  • Reduces the chance of hacking: Anyone can be a victim of hacking, as is well known. Dealing with these breaches is costly, and they have the potential to disclose credit card numbers and other sensitive information. RBA, being cost-effective, plays an important role.
  • Prevents fraud: With notifications and several authentication mechanisms, an RBA solution can help decrease online fraud and improper access.
  • It’s not one-size-fits-all: Authentication levels are enforced based on estimated risk scores in this system.

 

Risk-Based Authentication with miniOrange

miniOrange Fraud Prevention is a non-static authentication system that determines the risk profile associated with a transaction based on the profile of the user requesting access to the system. The complexity of the challenge is then determined using the risk profile. For lower-risk profiles, a static username/password may be sufficient, however for higher-risk profiles, a tougher challenge is required. The application’s risk-based implementation allows it to ask the user for extra credentials only when the risk level is high enough.

For example, if a user registered in from Canada ten minutes ago and is now attempting to log in from China. It is clearly a higher-risk transaction. miniOrange Fraud Prevention can be used to combat fraud and safeguard customers from internet attacks while buying online or accessing confidential or private information through an application. The setup of miniOrange Fraud Prevention is shown in the diagram below:

miniOrange-RBA

Before authenticating the user, you may analyze the possible danger of a given login attempt and, if necessary, minimize the risk. Your guidelines use the estimated risk score to determine whether to approve the current action, request step-up authentication, send a warning, or stop the activity. This provides a transparent layer of security for your company against identity theft, data breaches, and fraud.

This risk score is then compared to risk levels that have been established. The risk levels can be set based on the sensitivity of the data. After determining the risk level, the authentication technique is chosen, and the user is verified. In high-risk situations, the user will either be refused access or will be asked to utilize extra authentication methods. The security risk value associated with each access request is estimated using inputs/risk factors. To determine the access choice, the final risk value is compared to risk policies.

 

 

Further Reading

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