Hooded hacker. Cyber attack concept.

Cyber Security Tip – Protect Yourself With Multi-Factor Authentication

Multi-factor authentication (MFA) is an authentication method in which a computer user is granted access only after successfully presenting two or more pieces of evidence (or factors) to an authentication mechanism: knowledge (something the user and only the user knows), possession (something the user and only the user has), and inherence (something the user and only the user is).

Two-factor authentication (also known as 2FA) is a type, or subset, of multi-factor authentication. It is a method of confirming users’ claimed identities by using a combination of two different factors: 1) something they know, 2) something they have, or 3) something they are.

A good example of two-factor authentication is the withdrawing of money from an ATM; only the correct combination of a bank card (something the user possesses) and a PIN (something the user knows) allows the transaction to be carried out.

Two other examples are to supplement a user-controlled password with a one-time password (OTP) or code generated or received by an authenticator (e.g. a security token or smartphone) that only the user possesses.

Two-step verification or two-step authentication is a method of confirming a user’s claimed identity by utilizing something they know (password) and a second factor other than something they have or something they are. An example of a second step is the user repeating back something that was sent to them through an out-of-band mechanism. Or, the second step might be a six digit number generated by an app that is common to the user and the authentication system.

The use of multiple authentication factors to prove one’s identity is based on the premise that an unauthorized actor is unlikely to be able to supply the factors required for access. If, in an authentication attempt, at least one of the components is missing or supplied incorrectly, the user’s identity is not established with sufficient certainty and access to the asset (e.g., a building, or data) being protected by multi-factor authentication then remains blocked. The authentication factors of a multi-factor authentication scheme may include:

  • some physical object in the possession of the user, such as a USB stick with a secret token, a bank card, a key, etc.
  • some secret known to the user, such as a password, PIN, TAN, etc.
  • some physical characteristic of the user (biometrics), such as a fingerprint, eye iris, voice, typing speed, pattern in key press intervals, etc.
  • Somewhere you are, such as connection to a specific computing network or utilizing a GPS signal to identify the location.


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