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In late 2022, OpenAI released a new version of ChatGPT, a sophisticated natural language processing system capable of holding natural conversations while preserving and responding to the context of the discussion. ChatGPT has exceeded expectations in its abilities, leading to extensive considerations of its potential applications and misuse. In this work, we evaluate the influence of ChatGPT on university education, with a primary focus on computer security-oriented specialization. We gather data regarding the effectiveness and usability of this tool for completing exams, programming assignments, and term papers. We evaluate multiple levels of tool misuse, ranging from utilizing it as a consultant to simply copying its outputs. While we demonstrate how easily Chat-GPT can be used to cheat, we also discuss the potentially significant benefits to the educational system. For instance, it might be used as an aid (assistant) to discuss problems encountered while solving an assignment or to speed up the learning process. Ultimately, we discuss how computer science higher education should adapt to tools like ChatGPT.

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With the recent rise of cryptocurrencies' popularity, the security and management of crypto-tokens have become critical. We have witnessed many attacks on users and providers, which have resulted in significant financial losses. To remedy these issues, several wallet solutions have been proposed. However, these solutions often lack either essential security features, usability, or do not allow users to customize their spending rules. In this paper, we propose SmartOTPs, a smart-contract wallet framework that gives a flexible, usable, and secure way of managing crypto-tokens in a self-sovereign fashion. The proposed framework consists of four components (i.e., an authenticator, a client, a hardware wallet, and a smart contract), and it provides 2-factor authentication (2FA) performed in two stages of interaction with the blockchain. To the best of our knowledge, our framework is the first one that utilizes one-time passwords (OTPs) in the setting of the public blockchain. In SmartOTPs, the OTPs are aggregated by a Merkle tree and hash chains whereby for each authentication only a short OTP (e.g., 16B-long) is transferred from the authenticator to the client. Such a novel setting enables us to make a fully air-gapped authenticator by utilizing small QR codes or a few mnemonic words, while additionally offering resilience against quantum cryptanalysis. We have made a proof-of-concept based on the Ethereum platform. Our cost analysis shows that the average cost of a transfer operation is comparable to existing 2FA solutions using smart contracts with multi-signatures.

ICT security in the banking area is going through rapid changes. It is ten years since we covered the state of e-banking security, and both authentication schemes and legislation has evolved. With the Payment Services Directive (PSD2) for European Union coming into force, we believe it is a good time to update our findings. PSD2 brings new requirements for multi-factor authentication, thus it is necessary to revise compliance of currently used schemes. This work's main contribution is an overview of current authentication methods, their properties with respect to international standards, and their resistance against attacks. We further discuss the multi-factor authentication schemes composed of those methods and their compliance with the PSD2 requirements. In order to present the overview, we introduced the e-banking attacks taxonomy, which is compatible with authenticator threats from NIST Digital Identity Guidelines but has an increased level of detail with respect to the e-banking area. The available sources in this area are usually either very broad, targeted on the business executive, or focus on one particular issue or attack in greater detail. We believe our article can bridge such diverse sources by providing a comprehensive and complex tool to help with orientation in the area.

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