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Originally Posted by Itshim
Sorry have very little idea what you are talking about.  |
https://www.techtarget.com/searchsec...authentication
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What is two-factor authentication and why is it used?
Two-factor authentication (2FA), sometimes referred to as two-step verification or dual-factor authentication, is a security process in which users provide two different authentication factors to verify themselves.
2FA is implemented to better protect both a user's credentials and the resources the user can access. Two-factor authentication provides a higher level of security than authentication methods that depend on single-factor authentication (SFA), in which the user provides only one factor -- typically, a password or passcode. Two-factor authentication methods rely on a user providing a password as the first factor and a second, different factor -- usually either a security token or a biometric factor, such as a fingerprint or facial scan.
Two-factor authentication adds an additional layer of security to the authentication process by making it harder for attackers to gain access to a person's devices or online accounts because, even if the victim's password is hacked, a password alone is not enough to pass the authentication check.
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For example, I use 2FA for anything financial - if I pay for something online, Amex or my Bank will send me an 6 digit code (either by text message or email) that I have to enter on the Purchase authorisation page, before it will be accepted/processed.
So any fraudster would have to not only have my credit/debit card, they would need my phone (which is secured by biometrics) or access to my email account (which, on my phone and tablet, is additionally protected by biometrics, so even if I had left my phone/tablet unlocked, they still couldn’t access my email).