Multi-factor authentication

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Multi-factor authentication (MFA) is a method of computer access control in which a user is only granted access after successfully presenting several separate pieces of evidence to an authentication mechanism – typically at least two of the following categories: knowledge (something they know), possession (something they have), and inherence (something they are).[1][2]

Two-factor authentication (also known as 2FA) is a method of confirming a user's claimed identity by utilizing a combination of two different components. Two-factor authentication is a type of multi-factor authentication.

A good example from everyday life is the withdrawing of money from a cash machine; only the correct combination of a bank card (something that the user possesses) and a PIN (personal identification number, something that the user knows) allows the transaction to be carried out.

Authentication factors[edit]

The use of multiple authentication factors to prove one's identity is based on the premise that an unauthorized actor is unlikely to be able to supply the factors required for access. If, in an authentication attempt, at least one of the components is missing or supplied incorrectly, the user's identity is not established with sufficient certainty and access to the asset (e.g., a building, or data) being protected by multi-factor authentication then remains blocked. The authentication factors of a multi-factor authentication scheme may include:

  • some physical object in the possession of the user, such as a USB stick with a secret token, a bank card, a key, etc.
  • some secret known to the user, such as a password, PIN, TAN, etc.
  • some physical characteristic of the user (biometrics), such as a fingerprint, eye iris, voice, typing speed, pattern in key press intervals, etc.[3]

Knowledge factors[edit]

Knowledge factors are the most commonly used form of authentication. In this form, the user is required to prove knowledge of a secret in order to authenticate.

A password is a secret word or string of characters that is used for user authentication. This is the most commonly used mechanism of authentication. Many multi-factor authentication techniques rely on password as one factor of authentication.[4] Variations include both longer ones formed from multiple words (a passphrase) and the shorter, purely numeric, personal identification number (PIN) commonly used for ATM access. Traditionally, passwords are expected to be memorized.

Many secret questions such as "Where were you born?" are poor examples of a knowledge factor because they may be known to a wide group of people, or be able to be researched.

Possession factors[edit]

Possession factors ("something only the user has") have been used for authentication for centuries, in the form of a key to a lock. The basic principle is that the key embodies a secret which is shared between the lock and the key, and the same principle underlies possession factor authentication in computer systems. A security token is an example of a possession factor.

Disconnected tokens[edit]

RSA SecurID token, an example of a disconnected token generator.

Disconnected tokens have no connections to the client computer. They typically use a built-in screen to display the generated authentication data, which is manually typed in by the user.[5]

Connected tokens[edit]

Connected tokens are devices that are physically connected to the computer to be used, and transmit data automatically.[6] There are a number of different types, including card readers, wireless tags and USB tokens.[6]

Inherence factors[edit]

These are factors associated with the user, and are usually biometric methods, including fingerprint readers, retina scanners or voice recognition.[7]

Mobile phone two-factor authentication[edit]

The major drawback of authentication performed including something that the user possesses is that the physical token (the USB stick, the bank card, the key or similar) must be carried around by the user, practically at all times. Loss and theft are a risk. There are also costs involved in procuring and subsequently replacing tokens of this kind. In addition, there are inherent conflicts and unavoidable trade-offs[8] between usability and security.

Mobile phone two-factor authentication, where devices such as mobile phones and smartphones serve as "something that the user possesses", was developed to provide an alternative method that would avoid such issues. To authenticate themselves, people can use their personal access license (i.e. something that only the individual user knows) plus a one-time-valid, dynamic passcode consisting of digits. The code can be sent to their mobile device by SMS or via a special app. The advantage of this method is that there is no need for an additional, dedicated token, as users tend to carry their mobile devices around at all times anyway.

Some professional two-factor authentication solutions also ensure that there is always a valid passcode available for users. If one has already used a sequence of digits (passcode), this is automatically deleted and the system sends a new code to the mobile device. And if the new code is not entered within a specified time limit, the system automatically replaces it. This ensures that no old, already used codes are left on mobile devices. For added security, it is possible to specify how many incorrect entries are permitted before the system blocks access.[9]

Security of the mobile-delivered security tokens fully depends on the mobile operator's operational security and can be easily breached by wiretapping or SIM-cloning by national security agencies.[10]

Advantages of mobile phone two-factor authentication

  • No additional tokens are necessary because it uses mobile devices that are (usually) carried all the time.
  • As they are constantly changed, dynamically generated passcodes are safer to use than fixed (static) log-in information.
  • Depending on the solution, passcodes that have been used are automatically replaced in order to ensure that a valid code is always available; acute transmission/reception problems do not therefore prevent logins.
  • The option to specify a maximum permitted number of incorrect entries reduces the risk of attacks by unauthorized persons.
  • It is easy to configure; user friendly.

Disadvantages of mobile phone two-factor authentication

  • The mobile phone must be carried by the user, charged, and kept in range of a cellular network whenever authentication might be necessary. If the phone is unable to display messages, access is often impossible without backup plans.
  • The user must share their personal mobile number with the provider, reducing personal privacy and potentially allowing spam.
  • Text messages to mobile phones using SMS are insecure and can be intercepted. The token can thus be stolen and used by third parties.[11]
  • Text messages may not be delivered instantly, adding additional delays to the authentication process.
  • Account recovery typically bypasses mobile phone two-factor authentication.[12]
  • Modern smart phones are used both for browsing email and for receiving SMS. Email is usually always logged in. So if the phone is lost or stolen, all accounts for which the email is the key can be hacked as the phone can receive the second factor. So smart phones combine the two factors into one factor.
  • Mobile phones can be stolen, potentially allowing the thief to gain access into the user's accounts

Advances in mobile two-factor authentication[edit]

Advances in research of two-factor authentication for mobile devices consider different methods in which a second factor can be implemented while not posing a hindrance to the user. With the continued use and improvements in the accuracy of mobile hardware such as GPS, microphone, and gyro/acceleromoter, the ability to use them as a second factor of authentication is becoming more trustworthy. For example, by recording the ambient noise of the user’s location from a mobile device and comparing it with the recording of the ambient noise from the computer in the same room on which the user is trying to authenticate, one is able to have an effective second factor of authentication.[13] This also reduces the amount of time and effort needed to complete the process.


United States[edit]


Details for authentication in the USA are defined with the Homeland Security Presidential Directive 12 (HSPD-12).[14]

Existing authentication methodologies involve the explained three types of basic "factors". Authentication methods that depend on more than one factor are more difficult to compromise than single-factor methods.[citation needed][15]

IT regulatory standards for access to Federal Government systems require the use of multi-factor authentication to access sensitive IT resources, for example when logging on to network devices to perform administrative tasks[16] and when accessing any computer using a privileged login.[17]


NIST Special Publication 800-63-2 discusses various forms of two-factor authentication and provides guidance on using them in business processes requiring different levels of assurance.[18]

In 2005, the United States' Federal Financial Institutions Examination Council issued guidance for financial institutions recommending financial institutions conduct risk-based assessments, evaluate customer awareness programs, and develop security measures to reliably authenticate customers remotely accessing online financial services, officially recommending the use of authentication methods that depend on more than one factor (specifically, what a user knows, has, and is) to determine the user's identity.[19] In response to the publication, numerous authentication vendors began improperly promoting challenge-questions, secret images, and other knowledge-based methods as "multi-factor" authentication. Due to the resulting confusion and widespread adoption of such methods, on August 15, 2006, the FFIEC published supplemental guidelines—which states that by definition, a "true" multi-factor authentication system must use distinct instances of the three factors of authentication it had defined, and not just use multiple instances of a single factor.[20]


According to proponents, multi-factor authentication could drastically reduce the incidence of online identity theft and other online fraud, because the victim's password would no longer be enough to give a thief permanent access to their information. However, many multi-factor authentication approaches remain vulnerable to phishing,[21] man-in-the-browser, and man-in-the-middle attacks.[22]

Multi-factor authentication may be ineffective against modern threats, like ATM skimming, phishing, and malware.[23]

Industry regulation[edit]

Payment Card Industry Data Security Standard (PCI-DSS)[edit]

The Payment Card Industry (PCI) Data Security Standard, requirement 8.3, requires the use of MFA for all remote network access that originates from outside the network to a Card Data Environment (CDE).[24] Beginning with PCI-DSS version 3.2, the use of MFA is required for all administrative access to the CDE, even if the user is within a trusted network.[25]

Implementation considerations[edit]

Many multi-factor authentication products require users to deploy client software to make multi-factor authentication systems work. Some vendors have created separate installation packages for network login, Web access credentials and VPN connection credentials. For such products, there may be four or five different software packages to push down to the client PC in order to make use of the token or smart card. This translates to four or five packages on which version control has to be performed, and four or five packages to check for conflicts with business applications. If access can be operated using web pages, it is possible to limit the overheads outlined above to a single application. With other multi-factor authentication solutions, such as "virtual" tokens and some hardware token products, no software must be installed by end users.

There are drawbacks to multi-factor authentication that are keeping many approaches from becoming widespread. Some consumers have difficulty keeping track of a hardware token or USB plug. Many consumers do not have the technical skills needed to install a client-side software certificate by themselves. Generally, multi-factor solutions require additional investment for implementation and costs for maintenance. Most hardware token-based systems are proprietary and some vendors charge an annual fee per user. Deployment of hardware tokens is logistically challenging. Hardware tokens may get damaged or lost and issuance of tokens in large industries such as banking or even within large enterprises needs to be managed. In addition to deployment costs, multi-factor authentication often carries significant additional support costs. A 2008 survey of over 120 U.S. credit unions by the Credit Union Journal reported on the support costs associated with two-factor authentication. In their report, software certificates and software toolbar approaches were reported to have the highest support costs.


Several popular web services employ multi-factor authentication, usually as an optional feature that is deactivated by default.[26]

  • Two-factor authentication
  • Many Internet services (among them: Google, Amazon AWS) use open Time-based One-time Password Algorithm (TOTP) to support multi-factor or two-factor authentication
  • There exist tools that can add two-factor authentication to devices and applications without software changes (among them: SMRTe)

See also[edit]


  1. ^ "Two-factor authentication: What you need to know (FAQ) - CNET". CNET. Retrieved 2015-10-31. 
  2. ^ "How to extract data from an iCloud account with two-factor authentication activated". Retrieved 2016-06-08. 
  3. ^ "What is 2FA?". Retrieved 19 February 2015. 
  4. ^ "Securenvoy - what is 2 factor authentication?". Retrieved April 3, 2015. 
  5. ^ de Borde, Duncan. "Two-factor authentication" (PDF). Archived from the original (PDF) on January 12, 2012. 
  6. ^ a b van Tilborg, Henk C.A.; Jajodia, Sushil, eds. (2011). Encyclopedia of Cryptography and Security, Volume 1. Springer Science & Business Media. p. 1305. ISBN 9781441959058. 
  7. ^ Biometrics for Identification and Authentication - Advice on Product Selection
  8. ^
  9. ^ "Mobile Two Factor Authentication" (PDF). Retrieved August 30, 2016. 2012 copyright 
  10. ^ "How Russia Works on Intercepting Messaging Apps - bellingcat". bellingcat. 2016-04-30. Retrieved 2016-04-30. 
  11. ^ SSMS – A Secure SMS Messaging Protocol for the M-Payment Systems, Proceedings of the 13th IEEE Symposium on Computers and Communications (ISCC'08), pp. 700–705, July 2008 arXiv:1002.3171
  12. ^ Rosenblatt, Seth; Cipriani, Jason (June 15, 2015). "Two-factor authentication: What you need to know (FAQ)". CNET. Retrieved 2016-03-17. 
  13. ^ "Sound-Proof: Usable Two-Factor Authentication Based on Ambient Sound | USENIX". Retrieved 2016-02-24. 
  14. ^ US Security Directive as issued on August 12, 2007 Archived September 16, 2012, at the Wayback Machine.‹The template Wayback is being considered for merging.› 
  15. ^ "Frequently Asked Questions on FFIEC Guidance on Authentication in an Internet Banking Environment", August 15, 2006[dead link]
  16. ^ "SANS Institute, Critical Control 10: Secure Configurations for Network Devices such as Firewalls, Routers, and Switches". 
  17. ^ "SANS Institute, Critical Control 12: Controlled Use of Administrative Privileges". 
  18. ^ "Electronic Authentication Guide" (PDF). Special Publication 800-63-2. NIST. 2013. Retrieved 2014-11-06. 
  19. ^ "FFIEC Press Release". 2005-10-12. Retrieved 2011-05-13. 
  20. ^ FFIEC (2006-08-15). "Frequently Asked Questions on FFIEC Guidance on Authentication in an Internet Banking Environment" (PDF). Retrieved 2012-01-14. 
  21. ^ Brian Krebs (July 10, 2006). "Security Fix - Citibank Phish Spoofs 2-Factor Authentication". Washington Post. Retrieved 20 September 2016.  line feed character in |title= at position 13 (help)
  22. ^ Bruce Schneier (March 2005). "The Failure of Two-Factor Authentication". Schneier on Security. Retrieved 20 September 2016. 
  23. ^ "The Failure of Two-Factor Authentication - Schneier on Security". Retrieved 23 October 2015. 
  24. ^ "Official PCI Security Standards Council Site - Verify PCI Compliance, Download Data Security and Credit Card Security Standards". Retrieved 2016-07-25. 
  25. ^ "For PCI MFA Is Now Required For Everyone | Centrify Blog". Retrieved 2016-07-25. 
  26. ^ GORDON, WHITSON (3 September 2012). "Two-Factor Authentication: The Big List Of Everywhere You Should Enable It Right Now". LifeHacker. Australia. Retrieved 1 November 2012. 

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