One-Time Passwords: Generation Algorithms and Overview of the Main Types of Tokens
The use of one-time passwords Amid the constantly growing online business segment, data protection has to be particularly reliable. If you still can ‘survive’ the hacking of your personal page on social networks (though it’s extremely unpleasant too), the loss of business information can lead not only to the loss of reputation and income but even to the closure of the company. One of the most defenseless points in the information...
Two-Factor Authentication with Background Noise: Is It Safe or Not
The term two-factor authentication is known for the majority of active users of the Internet. It is available on a variety of well-established websites conducting the work with the data of users: in social networks, email services, online banking. But unfortunately, not all the users use the benefits of this type of authentication. The most frequently this occurs because of some inconvenience with the standard 2FA procedure. The...
Out-of-Band Authentication
Out-of-band authentication (OOB) is one of the most popular types of two-factor authentication in the financial sector. It presupposes sending the one-time password to the user via a communication channel other than the main one, which is used for transactions on the Internet. Most often, during the OOB authentication, the OTP (One Time Password) is sent to the clients in the form of a text message via SMS or email and the company...
Two-Factor Authentication in the PCI DSS Standard
The use of payment cards for the modern man has long been commonplace. But we do not always think about how extensive and complex is the work that was done by the companies which provide such services, how many diverse requirements they complied in order to give us the possibility simply to insert the card into the slot of the ATM and get our money or book the room in the internet before the vacation trip. Meanwhile, getting the right...
What Hides Beneath SMS Authentication?
We have to pay for everything in life. Whatever you may call it — the law of conservation of energy, karma, or Divine Providence — that is how it is and how it will always be. In the 19th century, a postal courier loyal to his sovereign would risk his life delivering a letter to the addressee, which took up to a month, protecting it from any possible foes. In the 21st century, data exchange is carried out instantly, but it is a lot...