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Add ability to add 1 or 2 Quicken IDs to Subscription (Q2018) for Security/Privacy (28 Legacy Votes)
miklk
SuperUser, Windows Beta Beta
I think we NEED the ability to add at least 1 extra Quicken ID to a Subscription.
Most importantly the way it is now, you cannot use mobile at all if you have more than one data file unless you want the other user to have read and write access to the SYNCed Accounts that are fully exposed to all users sharing QuickenID subscription on mobile app.
Many users are not even aware that another household member can read/write to their SYNCed accounts if using mobile
In addition, this would give the ability to get a 2nd credit score also.
The mobile overlap is a VERY serious oversight IMO and should be fixed this way or another.
Many people (like myself) maintain more than one data file in addition to our own for Elderly Parents, Spouses, College Children, Organizations, etc...
Most importantly the way it is now, you cannot use mobile at all if you have more than one data file unless you want the other user to have read and write access to the SYNCed Accounts that are fully exposed to all users sharing QuickenID subscription on mobile app.
Many users are not even aware that another household member can read/write to their SYNCed accounts if using mobile
In addition, this would give the ability to get a 2nd credit score also.
The mobile overlap is a VERY serious oversight IMO and should be fixed this way or another.
Many people (like myself) maintain more than one data file in addition to our own for Elderly Parents, Spouses, College Children, Organizations, etc...
3
Comments
My wife and I share a Quicken account, as I imagine do many families who use Quicken.
But "my" (our!) one Quicken account has only one mobile phone number associated with it .. which creates a problem when one or the other of us needs to login to the Quicken account.
The right solution to this is to enhance Quicken Accounts' 2-factor authentication to support multiple types and multiple instances of each type - that is, a second mobile phone number, or a couple of Google Authenticators, or a couple of FIDO keys, etc.
Please, don't prolong this mistake along the lines of the ignorant idiocy that the US Social Security Administration perpetrated against the public last year - get 2-factor right, fast!
Questions? Check out the Quicken Windows FAQ list
The "old" INTUIT site at least supported TOTP and/or HMAC for two-factor authentication (2FA) access to their web site. (e.g. Google Authenticator, )
Question to Quicken: "When is Quicken going to implement at least this level of 2FA -- previously available under Intuit?
The use of mobile-phone SMS (texts) is a terribly insecure and "backwards" way to pass authentication credentials in the current environment given the potential "hacks" available to the mobile phone network.
PLEASE at least re-implement the previously-available Google Authenticator type functionality soonest.
Given that Quicken is attempting "cloud-base" individual's personal financial info ...
... quicken.com should seriously consider implementing one of the stronger, hardware token based authentication options available and online TODAY. e.g. FIDO U2F
Looking forward to a meaningful reply,
Or maybe that's true already? (I don't use mobile, so I wouldn't know.)
It's licensed to YOU. And even though you can install it on as many computers as you'd like, and use as many Quicken data files as you'd like, it's still a one user subscription...and thus the ONE Quicken ID requirement.
EVERY other piece of software that I purchase a license for (Dropbox, Parallels, CleanMyMac...even Microsoft Office) is ONE user software. And in the case of Parallels, CleanMyMac and Microsoft Office, they are also ONE computer per license. (MIcrosoft desktop version, not the subscription product---Mac AND Windows versions.)
I think the restriction from a Quicken Inc standpoint is an important one.
It was way too easy in the past to download copies of Quicken and then distribute them. You could unscrupulously hand out copies of the software to anyone you know...or even didn't know. Counterfeit copies of Quicken were available all over the internet, including eBay. All you had to do was burn a CD with the software on it or copy the download file to any media available and hand it out.
By limiting the Quicken subscription to what's basically one user, Quicken will remove a lot of the illegal counterfeiting of it's software. Sure, if you're best buddy wants a copy you can still give him the download...but you'll now have to give him YOUR Quicken ID too to match up with it.
Now, I know what everyone will be saying. Well, my kids or my wife have their own data file...and they want to have access to their own credit score and sync their file with the mobile app.
And to that I would say...buy another subscription. That's what subscriptions do. It's one Quicken per one user.
It would be a step in right direction but a separate ID would keep things completely segregated as in the past and as it should be.
I can see it implemented on the server side by allowing the subscribed user to login and add a new QuickenID to be used by the other household user so there was no interaction with any features in Quicken.
I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.
You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now!
If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.
Questions? Check out the Quicken Windows FAQ list
markus1957, in Quicken 2018 the subscription is tied to the Quicken Id.
So sure you can create as many Quicken Ids as you like, and associate different data files with them, but only ones tied to a subscription will work with online services.
This different than what would work with Quicken 2017 and below, which aren't tied to a subscription.
Questions? Check out the Quicken Windows FAQ list
In both instances, after opening each data file, in Help>About Quicken the product subscription remains associated with my production ID. I was actually able to go in and delete cloud accounts created in testing with that ID.
Initially, when I tried to create the new file with my testing ID, it took me through the product registration screen and wanted me to buy a new subscription. I closed Quicken and re-opened it finding the new file had been created but Help>About Quicken indicated the subscription was expired. Update Quotes would not work indicating I needed a subscription. Without closing Quicken, using the menu to open my production file associated with the subscription ID, caused the same problem showing an expired subscription in Help> About Quicken.
I closed Quicken and opened it again, I was prompted to sign in to Quicken and used my production ID. My production file opened and all subscription info in Help>About Quicken was correct. Then without closing Quicken, using the file menu I open the new file associated with my testing ID; it opened and this time Help>About Quicken showed the valid subscription associated with my production ID. Edit>Preferences>Quicken ID showed my testing ID was associated with the data file. I was able to update quotes and added 2 direct connect credit cards. Several open/closes of Quicken show both files are accessible and fully functional.
This is the behavior I would expect; e.g., the product software registration process is maintained separately from the data file association process. I also expect this is the behavior Quicken desires, but in any case a behavior many users would find helpful. Apparently it is currently built-in, except that there are some issues in the coding that are intermingling the 2 processes when a new file is created.
I can't be certain of the exact steps to work around this issue (they are similar to what I described above) but maybe others can successfully stumble into the exact set of steps needed to work around this.
I was saying that the user shouldn't have to jump through hoops, and look for workarounds (holes that might be closed in the future). There should be a set procedure, announced to the general public, on how to use multiple Quicken Ids with one subscription.
Questions? Check out the Quicken Windows FAQ list
Thus, in Quicken's view, you'll need more than one subscription.
YOU think it's a security issue with using one Quicken ID per subscription.
Actually, from Quicken's viewpoint, you'd need more than one subscription. And it's intended that way.
Adding Day 5- I verified this on my test machine with a fresh installation of Quicken. Once a file with the membership QID is established, a file with a different ID can be used/created. Just close Quicken when presented with the membership purchase screen. Re-open Quicken and sign in with your membership QID file, then switch over to the file with the different ID just as you would have in the past. You won't continue to be prompted with the membership screen or MFA security texts when switching between files during your current session or in my case, future sessions to date.
Adding Day 6- Trying OSU with my non-membership ID on my production machine prompted the MFA screen and purchase screen. Following the Day 5 process again restored function to both the membership and non-membership ID files with no further MFA prompts or purchase screens. Not sure if this is related to using my test machine yesterday or a periodic check for a membership ID. Time will tell. Closing this back-door if that's what it is could be difficult because Quicken needs to maintain the ability to open old data files that may not have been associated with a membership QID.
Adding Day 14- Daily OSU's on my main membership ID file have been running without further prompts for my ID. Today I used OSU on my non-membership ID file for the first time in a week. I was not prompted for a QID so I suspect the prompts last week were the result of the testing I did on my test machine.
And I think that Quicken Inc should really think about it, and come up with some definitive answers before they "get in trouble".
For instance right now they are saying you can share your Quicken Id (and by proxy subscription/downloading/installing, ...) with as many people as you like.
Well what if the "as many people as I like" is setting up a website where I purchase one subscription and put the Quicken Id an and password on it?
Clearly not what they would want, but they have left it completely open!
Second they are coming from a license that was basically a "household" license, and now it is a "subscription", but they have not specified that it is for an "individual". In fact with the above statement about sharing the Quicken Id with whoever you want implies that they just opened the flood gates that the people you share it with don't have to be in your household.
Questions? Check out the Quicken Windows FAQ list
In almost all cases, that license allows you ONE single installation on a computer. If you buy a new PC, you need to de-activate the single use license and then re-enter it on the new machine.
Subscriptions don't give you carte blanche to install the software AND use it on as many machines as you'd like.
That's the basis behind the Quicken subscription. But they don't have the restriction of one machine. What they DO have is that it's one user license.
I don't see this as an outrageous or unreasonable restriction. From a subscription standpoint, you shouldn't be allowed to have unlimited users using your subscription, such as children, parents, siblings, spouse etc WITH their OWN DATA FILE.
You're handling many other Quicken data files. Good for you. Quicken's subscription license will allow you to do that. However, don't expect your cloud based information associated with your subscription to NOT be included in the other data files, such as YOUR credit score and your Mobile Sync file...as they are linked to YOUR subscription.
How is that unreasonable? You may not like it...and it may not be convenient for you...or even safe if your data is exposed...but that's the way subscriptions work.
I consider that a very serious oversight and security/privacy problem regardless of what you think Quicken wants or expects.
THAT'S the point.
Let's agree to disagree.
Suggest you realize Quicken, Inc. is not going to change it's stance on this.
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I also saw Quicken on several nefarious websites "for free" download, with users reporting they could install and register the pirated software with no problems.
This subscription eliminates all that. And good for Quicken Inc for wising up.