Identity Management and Two-Factor Authentication Using One-Time Passwords

Two-factor authentication, or 2FA, is not something new. It has existed for quite some time and in different forms. What is a ‘factor’? A factor is something you have, something you know, or something you are. For example, if we combine a PIN that you know, with your fingerprint, we get a 2FA based on biometrics. In practice, biometric solutions are not often used because it’s not especially difficult to steal someone’s fingerprint (…and it is quite hard to revoke or replace your finger). The more practical approach to two-factor authentication is to combine something you know, a PIN or password, with something you have.

Something you have often comes in form of

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