There can be a physical token, such RSA SecurID fobs, that continually generates random secure codes for you. ![]() Two-factor authentication can take on various forms and still meet the 2-of-3 requirement. You need to possess both to access your bank account at an ATM. If you've ever used a debit card, you've used a simple form of two-factor authentication: it's not enough to know the PIN or to physically have the card. ![]() Something you are (biometrics like your fingerprint or iris pattern).Something you have (the physical bank card or an authenticator token).Something you know (like the PIN on your bank card or email password).You, your spouse, or anyone else can type the username and password in to access your account just like anyone could pick up your house key and open your door.Īt minimum two-factor authentication requires two out of three authentication variables such as: The same level of one-factor authentication occurs when you log in to a website or service that requires only your username and password. The single physical key is the only authorization, and its wielder, whether legitimate or not, gets full access. ![]() The only thing the lock cares about is that the key fits-you don't need two keys, a key and fingerprint, or any other combination of checks. The door and the lock assembly don't care if the person holding the key is you, your neighbor, or a criminal that lifted your keys. When you come home from work, pull out your keys, and unlock your door, you're using simple one-factor authentication. To understand what two-factor authentication (2FA) is, let's first look at what one-factor authentication is and compare it to both real-world and virtual security models.
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