Forced by regulations and industry demand, banks worldwide are working to open their customers' online banking accounts to third-party services via web-based APIs. By using these so-called Open Banking APIs, third-party companies, such as FinTechs, are able to read information about and initiate payments from their users' bank accounts. Such access to financial data and resources needs to meet particularly high security requirements to protect customers. One of the most promising standards in this segment is the OpenID Financial-grade API (FAPI), currently under development in an open process by the OpenID Foundation and backed by large industry partners. The FAPI is a profile of OAuth 2.0 designed for high-risk scenarios and aiming to be secure against very strong attackers. To achieve this level of security, the FAPI employs a range of mechanisms that have been developed to harden OAuth 2.0, such as Code and Token Binding (including mTLS and OAUTB), JWS Client Assertions, and Proof Key for Code Exchange. In this paper, we perform a rigorous, systematic formal analysis of the security of the FAPI, based on an existing comprehensive model of the web infrastructure - the Web Infrastructure Model (WIM) proposed by Fett, Küsters, and Schmitz. To this end, we first develop a precise model of the FAPI in the WIM, including different profiles for read-only and read-write access, different flows, different types of clients, and different combinations of security features, capturing the complex interactions in a web-based environment. We then use our model of the FAPI to precisely define central security properties. In an attempt to prove these properties, we uncover partly severe attacks, breaking authentication, authorization, and session integrity properties. We develop mitigations against these attacks and finally are able to formally prove the security of a fixed version of the FAPI. Although financial applications are high-stakes environments, this work is the first to formally analyze and, importantly, verify an Open Banking security profile. By itself, this analysis is an important contribution to the development of the FAPI since it helps to define exact security properties and attacker models, and to avoid severe security risks before the first implementations of the standard go live. Of independent interest, we also uncover weaknesses in the aforementioned security mechanisms for hardening OAuth 2.0. We illustrate that these mechanisms do not necessarily achieve the security properties they have been designed for.

Web-based single sign-on (SSO) services such as Google Sign-In and Log In with Paypal are based on the OpenID Connect protocol. This protocol enables so-called relying parties to delegate user authentication to so-called identity providers. OpenID Connect is one of the newest and most widely deployed single sign-on protocols on the web. Despite its importance, it has not received much attention from security researchers so far, and in particular, has not undergone any rigorous security analysis. In this paper, we carry out the first in-depth security analysis of OpenID Connect. To this end, we use a comprehensive generic model of the web to develop a detailed formal model of OpenID Connect. Based on this model, we then precisely formalize and prove central security properties for OpenID Connect, including authentication, authorization, and session integrity properties. In our modeling of OpenID Connect, we employ security measures in order to avoid attacks on OpenID Connect that have been discovered previously and new attack variants that we document for the first time in this paper. Based on these security measures, we propose security guidelines for implementors of OpenID Connect. Our formal analysis demonstrates that these guidelines are in fact effective and sufficient.

The OAuth 2.0 protocol is one of the most widely deployed authorization/single sign-on (SSO) protocols and also serves as the foundation for the new SSO standard OpenID Connect. Despite the popularity of OAuth, so far analysis efforts were mostly targeted at finding bugs in specific implementations and were based on formal models which abstract from many web features or did not provide a formal treatment at all. In this paper, we carry out the first extensive formal analysis of the OAuth 2.0 standard in an expressive web model. Our analysis aims at establishing strong authorization, authentication, and session integrity guarantees, for which we provide formal definitions. In our formal analysis, all four OAuth grant types (authorization code grant, implicit grant, resource owner password credentials grant, and the client credentials grant) are covered. They may even run simultaneously in the same and different relying parties and identity providers, where malicious relying parties, identity providers, and browsers are considered as well. Our modeling and analysis of the OAuth 2.0 standard assumes that security recommendations and best practices are followed in order to avoid obvious and known attacks.

Single sign-on (SSO) systems, such as OpenID and OAuth, allow web sites, so-called relying parties (RPs), to delegate user authentication to identity providers (IdPs), such as Facebook or Google. These systems are very popular, as they provide a convenient means for users to log in at RPs and move much of the burden of user authentication from RPs to IdPs. There is, however, a downside to current systems, as they do not respect users' privacy: IdPs learn at which RP a user logs in. With one exception, namely Mozilla's BrowserID system (a.k.a. Mozilla Persona), current SSO systems were not even designed with user privacy in mind. Unfortunately, recently discovered attacks, which exploit design flaws of BrowserID, show that BrowserID does not provide user privacy either.

BrowserID is a complex, real-world Single Sign-On (SSO) System for web applications recently developed by Mozilla. It employs new HTML5 features (such as web messaging and web storage) and cryptographic assertions to provide decentralized login, with the intent to respect users’ privacy. It can operate in a primary and a secondary identity provider mode. While in the primary mode BrowserID runs with arbitrary identity providers, in the secondary mode there is one identity provider only, namely Mozilla’s default identity provider. We recently proposed an expressive general model for the web infrastructure and, based on this web model, analyzed the security of the secondary identity provider mode of BrowserID. The analysis revealed several severe vulnerabilities, which have been fixed by Mozilla. In this paper, we complement our prior work by analyzing the even more complex primary identity provider mode of BrowserID. We do not only study authentication properties as before, but also privacy properties. During our analysis we discovered new and practical attacks that do not apply to the secondary mode: an identity injection attack, which violates a central authentication property of SSO systems, and attacks that break the privacy promise of BrowserID and which do not seem to be fixable without a major redesign of the system. Interestingly, some of our attacks on privacy make use of a browser side channel that, to the best of our knowledge, has not gained a lot of attention so far. For the authentication bug, we propose a fix and formally prove in a slight extension of our general web model that the fixed system satisfies all the authentication requirements we consider. This constitutes the most complex formal analysis of a web application based on an expressive model of the web infrastructure so far. As another contribution, we identify and prove important security properties of generic web features in the extended web model to facilitate future analysis efforts of web standards and web applications. These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.

The web constitutes a complex infrastructure and, as demonstrated by numerous attacks, rigorous analysis of standards and web applications is indispensable. Inspired by successful prior work, in particular the work by Akhawe et al. as well as Bansal et al., in this work we propose a formal model for the web infrastructure. While unlike prior works, which aim at automatic analysis, our model so far is not directly amenable to automation, it is much more comprehensive and accurate with respect to the standards and specifications. As such, it can serve as a solid basis for the analysis of a broad range of standards and applications. As a case study and another important contribution of our work, we use our model to carry out the first rigorous analysis of the Browser ID system (a.k.a. Mozilla Persona), a recently developed complex real-world single sign-on system that employs technologies such as AJAX, cross-document messaging, and HTML5 web storage. Our analysis revealed a number of very critical flaws that could not have been captured in prior models. We propose fixes for the flaws, formally state relevant security properties, and prove that the fixed system in a setting with a so-called secondary identity provider satisfies these security properties in our model. The fixes for the most critical flaws have already been adopted by Mozilla and our findings have been rewarded by the Mozilla Security Bug Bounty Program.