This is already widely implemented in the B2B world when there can be multiple contact for the same company : This prevent the need of password sharing, allow the possibility of user revocation and multiple level of permission.
A shared access to the resource for each user account. A user account with dedicated credentials for each individual. The common practice is to achieve a similar effect by privilege separation under trusted admins.Īre there joint password account? (Like bank accounts)Īny provider which expects multiple individual to share the same resource shall provide : There is nothing to stop this kind of system from being used to authenticate a centralized web app such as a bank, but I have never seen it done. But signatories can create (safely shareable) proof of participation if they choose. In Monero and other CryptoNote coins, multi signature wallets also use ring signatures, so that the identities of the signatories within the group cannot be determined without the signatories’ secret keys. Therefore no individual can unilaterally spend money. In a multi signature wallet, no individual can unilaterally sign a transaction. In most crypto currencies, money is sent by broadcasting a transfer message signed in such a way that proves ownership of the funds being transferred. The only production use I know of is in cryptocurrency multi signature wallets. 
In a “2 of 3” (N = 3, M = 2) system, there are three people with credentials, and at least two of them would need to sign something to make it valid. More simply, M people out of a group of N members must sign a message for the signature to be valid. There will be some number M, often called the “quorum”, such that a complete (valid) signature is one in which at least M users contribute partial signatures. They can each use their credentials to partially sign a message. The idea is that a group of N people each get their own secret credential. Specifically, what your asking about is called a threshold signature. I don’t know of any actual web apps that employ such a system.
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