|By Liz McMillan||
|August 13, 2014 03:00 PM EDT||
Recent high profile security breaches at major online websites tell us static passwords are not the answer. Even recent SMS security additions to consumer websites do little to address the issue.
Fortunately, a more secure authentication system is available for consumer websites that takes advantage of the two-factor authentication (2FA) process long used for security by the financial industry and Fortune 500 enterprise employees.
A rigorous 2FA process frees users from creating and maintaining easily deciphered static passwords in favor of randomly generated One Time Passwords (OTPs) combined with a personally selected PIN. These systems can be easily deployed and managed in the cloud with no new hardware using only the customer's existing smartphone, tablet or laptop.
In addition to providing a secure online experience, 2FA enables Application Service Providers (ASPs) to:
- Reduce help desk costs by eliminating password resets
- Reduce the number of transactions that need to go through expensive fraud review systems
- Offer a secure login portal from which to extend integrated web marketing campaigns and provide customers a more immersive brand experience
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