Upon review, we recognize that this NIST/NCCoE publication contains potentially biased terminology. As new publications are developed, they will follow NIST’s inclusive language guidance.
As retailers in the United States have adopted chip-and-signature and chip-and-PIN (personal identification number) point-of-sale (POS) security measures, there have been increases in fraudulent online card-not-present electronic commerce (e-commerce) transactions. The risk of increased fraudulent online shopping became more widely known following the adoption of chip-and-PIN technology that increased security at the POS in Europe.
The NCCoE at NIST built a laboratory environment to explore methods to implement multifactor authentication (MFA) for online retail environments for the consumer and the e-commerce platform NIST SP 1800-17B: Multifactor Authentication for E-Commerce iii administrator. The NCCoE also implemented logging and reporting to display authentication-related system activity.
This NIST Cybersecurity Practice Guide demonstrates to online retailers that it is possible to implement open standards-based technologies to enable Universal Second Factor (U2F) authentication at the time of purchase when risk thresholds are exceeded.
The example implementations outlined in this guide encourage online retailers to adopt effective MFA implementations by using standard components and custom applications that are composed of open-source and commercially available components.
A consumer who reuses an online account password for their account with an E-Commerce retailer risks having their account used by a malicious user. Retailers who enable multifactor authentication and encourage its use by their customers reduce the amount of fraud they will experience from account takeovers.
Organizations participating in this project submitted their capabilities in response to an open call in the Federal Register for all sources of relevant security capabilities from academia and industry (vendors and integrators). The following respondents with relevant capabilities or product components (identified as “Technology Partners/Collaborators” herein) signed a Cooperative Research and Development Agreement to collaborate with NIST in a consortium to build this example solution.
Join the Community of Interest
A Community of Interest (COI) is a group of professionals and advisors who share business insights, technical expertise, challenges, and perspectives to guide NCCoE projects. COIs often include experts, innovators, and everyday users of cybersecurity and privacy technologies. Share your expertise and consider becoming a member of this project's COI.