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Abstract. Identity fraud (IDF) may be defined as unauthorized exploitation of credential information through the use of false identity. We propose CROO, a universal (i.e. generic) infrastructure and protocol to either prevent IDF (by detecting attempts thereof), or limit its consequences (by identifying cases of previously undetected IDF). CROO is a capture resilient one-time password scheme, whereby each user must carry a personal trusted device used to generate one-time passwords (OTPs) verified by online trusted parties. Multiple trusted parties may be used for increased scalability. OTPs can be used regardless of a transaction's purpose (e.g. user authentication or financial payment), associated credentials, and online or on-site nature; this makes CROO a universal scheme. OTPs are not sent in cleartext; they are used as keys to compute MACs of hashed transaction information, in a manner allowing OTP-verifying parties to confirm that given user credentials (i.e. OTPkeyed MACs) correspond to claimed hashed transaction details. Hashing transaction details increases user privacy. Each OTP is generated from a PIN-encrypted non-verifiable key; this makes users' devices resilient to off-line PIN-guessing attacks. CROO's credentials can be formatted as existing user credentials (e.g. credit cards or driver's licenses).

Rapid distribution of newly released confidential information is often impeded by network traffic jams, especially when the confidential information is either crucial or highly prized. This is the case for stock market values, blind auction bidding amounts, many large corporations'strategic business plans, certain news agencies'timed publications, and some licensed software updates. Hierarchical time-based information release (HTIR) schemes enable the gradual distribution of encrypted confidential information to large, distributed, (potentially) hierarchically structured user communities, and the subsequent publication of corresponding short decryption keys, at a predetermined time, so that users can rapidly access the confidential information. This paper presents and analyzes the efficiency of a novel HTIR scheme.