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Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

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Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#61

Earlier quoted context omitted.

Same for me. Maybe something changed about HN since the demo was written?

For me it shows I'm logged into HN, but shows I'm 'not logged in' many of other things that I'm actually logged in to, like Twitter, Reddit, Facebook and a few others.

Same here. I use uBlock Origin with all of the tracking filters enabled, plus Privacy Badger.

Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#62

Earlier quoted context omitted.

For me it shows I'm logged into HN, but shows I'm 'not logged in' many of other things that I'm actually logged in to, like Twitter, Reddit, Facebook and a few others.

Same here. I use uBlock Origin with all of the tracking filters enabled, plus Privacy Badger.

Yup. uBlock Origin + 'Blur', another privacy add-on.

Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#63
post #14

Sounds like they copy pasted my demo into production: https://robinlinus.github.io/socialmedia-leak/

This page suggest that I am logged into "VK", which apparently is the Russian-equivalent of Facebook, but I never heard of it before this. Any reason why that is?

Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#64
It is hard to be certain without knowing the particular credit union, but as others have mentioned this data is likely used to counter bot login attempts.

But this is more of a business decision than a security decision likely. It is probably to prevent services like Intuit (Mint.com, Quickbooks, etc), Plaid, Quovo, and other data aggregators from accessing online banking and screen scraping / web crawling. Obviously, there are security reasons to prevent this access as well, but it has historically been a business decision with security as an excuse.

Disclaimer: I'm co-founder of a company that powers online banking, mobile banking, and open banking APIs for credit unions and banks and used to be CTO at a credit union.

Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#65

Earlier quoted context omitted.

Does uBlock Origin not do it out of the box?

uMatrix is more granular. From example, you can tell it to allow images and CSS from a domain, but not cookies or JavaScript. Or, you can tell it to allow JavaScript from Facebook while you're on Facebook's site, but not when you're on other sites. I find both uBlock Origin and uMatrix to be useful.

But for this particular problem, I want it off everywhere, all the time, no exceptions for anyone. According to https://robinlinus.github.io/socialmedia-leak/ I'm covered. I have 3rd-party cookies disabled and uBlock Origin but I'm not sure what's helping me. Banks shouldn't be utilizing vulnerabilities in the name of security, I haven't had an issue logging into anything yet.

Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#66
I might be an outlier, but if they are using this authentication, it's actually somewhat clever. And likely a net positive for the user.

I obviously don't for sure if this is happening, but if your social media footprint helps determine if you see a captcha or not, or if you're forced to enter your credential again, it seems a reasonable signal to add to the mix of things like IP, browser, etc.

Re: Ask HN: Why does my credit union check if I'm logged into Steam and Reddit?

#67
If they're smart, it will go into a risk profile for you to be able to offer you a better deal (assuming you are low risk).

I suspect it might just be an anti-bot thing though. Most bots run in sandboxes which aren't logged into these sites.

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