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Lots of different ways to skin the cat
Gemalto's Protiva.NET one-time password generator is designed to work with .NET-based applications.
RSA even has a downloadable toolbar that provides one-time passwords and stores personal information.
This optical smart card reader interacts with a customer's existing smart card and generates a one-time password, providing strong authentication for online transactions.
Passfaces is a biometric/cognitive method of authentication that requires customers to recognize a series of faces and click on the right one in order to gain access to the network or Web site.
What’s your favorite authentication method?
Bank of America is the industry leader in online authentication. Customers who sign up for the optional SafePass authentication system typically receive a one-time password texted to their mobile phones. More recently, the bank began offering a second option, a credit-card sized one-time-password generator, primarily for people who make large transactions.
RSA's SecurID system comes in a variety of form factors. Here's an example of a software token for BlackBerry users.
This credit-card sized one-time-passcode (OTP) generator represents a high level of security. In the future, experts predict that this type of device will be integrated into a standard credit card so that people won't have to carry around an extra thing.
Authentication can be accomplished in many ways, from biometrics to hardware tokens to software-based password generators. And authentication can occur on many devices, including laptops, phones and USB memory sticks. Here are some of the latest authentication schemes.
This diagram shows how multi-factor authentication works on the back end.
Customers don't want to carry around another card, so hardware-based authentication schemes haven't gone too far. One alternative, which is being used by Bank of America, is to send a one-time password to the customer's mobile phone. This type of "out-of-band" authentication is considered very safe.