Bypassing OAAM multi-factor authentication

Hello
In our project we found an interesting case where it is possible to bypass multi-factor authentication provided by OAM and OAAM. It can also work for a custom multi-factor login application which is integrated with OAM using the Access SDK.
If you integrate OAM and OAAM as officially described in
http://download.oracle.com/docs/cd/E12057_01/doc.1014/e12052/igoam.htm#BABBJACH
you basically have one form authentication scheme which redirects a user to OAAM when trying to access a protected resource. The user enters username/password in OAAM which is send to OAM using the AccessSDK and validated by the authentiction scheme in OAM.
From the point of view of OAM the authentication is completed and OAAM receives the ObSSOCookie. OAAM does not return the cookie to the user but continues with additional authencation steps such as secret questions, fingerprints, etc. If all goes well OAAM returns the ObSSOCooki to the user and he is able to access the protected resource.
The bypass:
OAM has a nice feature (I call it security bug) which allows a user to add authentication credentials as parameters to the URL when accessing a resource. E.g. a user accessing a protected resource such as app.domain.com can simply enter https://app.domain.com?username=xxx&password=xxx and is automatically authenticated provided the username/password parameters and values are correct. By automatically authenticated I mean that there is no redirection to the login form. The authentication credentials are passed by OAM internally to the authentication scheme. There is no post action being sent and intercepted.
Why is this bad? If you are using OAAM as a multi-factor login application passing username/password as URL parameters will not involve OAAM at all. From the point of view of OAM a user is authenticated and there is no need to challenge him with OAAM. No matter what additional authentication factors are configured for OAAM, the authentication process is reduced to one factor (username/passwrod).
Any thoughts on this. I am mostly interested in ideas and approaches to fix this issue.
Regards, Donat

Hello Steve
Bypassing OAAM works with the latest 10g release of OAAM and OAM and the architecture described in the Oracle documentation
http://download.oracle.com/docs/cd/E12057_01/doc.1014/e12052/igoam.htm#BABBJACH
Any toughts on this issue?
Regards,
Donat

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