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Understanding and implementing two-factor authentication

In today’s digital age, online security is more important than ever. With an ever-increasing amount of personal and financial information being shared online, it’s critical to have strong security measures in place to protect against unauthorized access. Two-factor authentication is one of the most effective methods of protecting online accounts. Two-factor authentication (2FA), also known as two-step verification or dual-factor authentication, is a security process in which users provide two different authentication factors to verify themselves.

What is Two-Factor Authentication?

Two-factor authentication is a procedure for confirming a user’s identity in which a computer user is only permitted access after successfully presenting two or more pieces of evidence to an authentication mechanism. These proofs may consist of information the user possesses or knows.

It adds complexities for attackers to access user devices or online accounts, and two-factor authentication adds an extra layer of security to the authentication process. This is because, even if the victim’s password is compromised, a password alone will not be sufficient to pass the authentication check.

Types of Two-Factor Authentication

  • Knowledge-based authentication (KBA) – In this type of authentication, the user must prove their identity by providing information that only they should have, such as a password or personal identification number (PIN).
  • Token-based authentication entails using a physical device, such as a security token or a smart card, to generate a one-time password (OTP) for the user to enter in addition to their regular password.
  • Biometric authentication – This type of authentication confirms a user’s identity by using a physical characteristic of the user, such as their fingerprint or facial features.
  • SMS-based authentication – This type of authentication confirms the user’s identity by sending a text message to their mobile phone. The text message contains a one-time code that the user must enter in order to gain access to the service.

Implementing Two-Factor Authentication

The following are typical methods for implementing 2FA:

  • Select the 2FA type you want to use: It’s crucial to choose the type of authentication that will be used before implementing 2FA. When making this choice, take into account the user experience as well as the necessary level of security.
  • Configure the authentication method: Setting up the authentication mechanism is the next step after choosing the type of 2FA. This could entail setting up software on users’ devices, purchasing and configuring hardware tokens, or configuring SMS messaging.
  • Users must be informed of the new 2FA requirements and given instructions on how to set up and use the authentication mechanism in order to be updated. This might entail giving them hardware tokens or assisting them with the software installation on their devices.
  • System evaluation: It’s crucial to thoroughly test the system to make sure it functions as intended and that users can successfully authenticate before rolling out 2FA to all users.

One-Time Passwords (OTPs), Software Based Authentication, Backup Codes, Hardware-Based Authentication, and Characteristic Based Authentication are all methods of 2FA that you can use.

Best Practices for Two-Factor Authentication

• Set strong passwords that are particular to each account.

• To create and store passwords, use a password manager.

• Don’t use the same phone number for 2FA as you do for your main number.

• Use a physical token as opposed to SMS-based 2FA.

• Always keep the most recent security patches and updates installed on your devices.

Moving Ahead

While passwords are still widely used as the primary method of authentication, they no longer provide the security or user experience that businesses and their customers expect. And, while legacy security tools such as a password manager and MFA attempt to address username and password issues, they rely on an essentially obsolete architecture; the password database.

Two-factor authentication is a critical tool for safeguarding online accounts and sensitive information. By requiring users to provide two forms of identification, the risk of unauthorized access is greatly reduced. While implementing 2FA can be a pain for users, the added security is well worth the effort.

Incognia Spoofing Detection Identifies Fraud

Incognia has released a new location-based identity fraud detection module to strengthen mobile fraud prevention for apps in financial services, cryptocurrency, social networks, online gaming, and other industries. The latest solution module from Incognia is Location-based Liveness Spoofing Detection, which prevents fraud at onboarding caused by biometric liveness spoofing.

André Ferraz, founder, and CEO of Incognia commented, “As fraudsters advance their techniques to trick liveness detection tools, there must be a solution on the market that can successfully combat the use of deepfakes at onboarding. We’re excited to expand Incognia’s fraud prevention capabilities even further with our latest solution module, which uses device integrity checks, device watchlists, and emulator detection to prevent liveness detection spoofing caused by deepfakes. With this new module, we’re ensuring that customers across crypto, finserv, online gaming, and more are protected during onboarding with a completely frictionless solution.”

Fraudsters are using forged identities to open online accounts to take advantage of sign-up bonuses and to set up “money mule” accounts for money laundering. Today, the onboarding process for a new user on a mobile app typically consists of taking a selfie and passing a biometric “liveness test.” Fraudsters are now using spoofing techniques to fool the selfie liveness detection algorithms.

Deepfake videos are commonly created by using facial images downloaded from the internet. Deepfakes can be created using free or low-cost software packages and apps, which can fool even award-winning liveness detection tools. The Incognia Location-based Liveness Spoofing Detection solution is intended to prevent both injection and presentation deepfake attacks in real-time, with no additional friction for the mobile user.

Incognia leverages information from the user’s device to detect if there is any emulator or jailbroken devices in use, these devices help fraudsters to spoof legitimate liveness detection apps. The Incognia Location-based Liveness Spoofing Detection solution module goes beyond traditional biometric systems to address the device integrity and the location accurately while determining risk whenever a user submits a biometric verification of liveness. This module works in tandem with the Incognia Location Spoofing Detection and Global Mobile Address Validation modules.

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