After entering a user ID and password, an online banking user must enter a PIN that was sent as a text message to the user's mobile phone.Which of the following digital security methods is being used?
Question
After entering a user ID and password, an online banking user must enter a PIN that was sent as a text message to the user's mobile phone.Which of the following digital security methods is being used?
Solution
The digital security method being used in this scenario is known as Two-Factor Authentication (2FA). Here's the step-by-step explanation:
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The user enters their User ID and Password: This is the first factor of authentication - something the user knows.
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The user is then asked to enter a PIN that was sent to their mobile phone: This is the second factor of authentication - something the user has (their mobile phone).
By requiring two different types of identification, the security of the user's account is greatly enhanced. Even if someone else knows the user's ID and password, they would also need to have the user's mobile phone to receive the PIN and gain access. This method is commonly used in many online platforms to protect user's data.
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