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The latest in multi-factor authentication schemes

User name and password doesn't cut it anymore in the world of online financial transactions. New federal rules call for multi-factor authentication schemes to combat growing threats. The latest multi-factor measures focus on biometrics, advanced analytics, and out-of-band techniques utilising smartphones.


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Out-of-band authentication

When two-factor authentication is needed, a randomly-generated grid of images displays on the user's mobile phone (using MMS, WAP, or an SMS hyperlink that is opened within the mobile browser).


  • Man-in-the-Browser attacks
  • Man-in-the-Middle (MITM) attack
  • CA Arcot's RiskFort
  • Arcot Administrative Console
  • WebFort authentication server
  • From the user perspective
  • Confident Technologies uses the power of the grid
  • Out-of-band authentication
  • Mmmmmmmmmm. Tomatoes.
  • Tap or type to verify
  • Successful authentication
  • Entrust offers multiple factors
  • Soft tokens
  • Device certifications
  • SMS one-time passcodes
  • eGrid authentication
  • PhoneFactor's out-of-band answer
  • Adding a PIN to the pound
  • Security-based texting
  • Three-factor voice-based authentication
  • Fraud Alert


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