With the prevalence of OTP based authentication, the authentication methods such as software OTP generator, SMS based OTP or app pushing notification are also used by many service providers.
Username/password together with a hardware OTP tokenĪs mainly two factors for the authentication are used, it is also called two-factor authentication or 2FA.Username/password together with a smartcard/USB token.The popular multi-factor authentication methods used by the banks are: The evidences could be knowledge (something the user and only the user knows, such as password), possession (something the user and only the user has, such as smartcard), or inherence (something the user and only the user is, such as fingerprint). Multi-factor authentication or MFA is a method of confirming a user’s claimed identity in which a computer user is granted access only after successfully presenting two or more pieces of evidence (or factors) to an authentication mechanism. Major network service providers start to use multi-factor authentication to improve the safety of their users. As the data breaches on internet become a serious problem of personal safety of internet users, the old way of authentication using only username and password is vulnerable to the attack.
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