PhoneFactor offers three easy methods of out-of-band authentication – a phone call, text message, and an app for smartphones and tablets – to secure account logins and transactions. By leveraging the user’s existing device, PhoneFactor provides unmatched convenience for users and a cost-effective, secure platform for enterprises, government agencies, healthcare organizations, and financial institutions.
Step 1:Enter your username and password. Instantly… Step 2: | ||
Phone Call PhoneFactor calls you. Just answer and press # (or enter a PIN). | Text Message PhoneFactor sends you a text message with a passcode. Simply reply to the text message with the passcode. | Phone App (iOS/Android) PhoneFactor pushes a notification to the PhoneFactor app on your smartphone or tablet. Simply tap “Authenticate” in the app. |
That’s It!
This simple process provides two-step authentication through two separate channels (your computer and your telephone):
- Something you know – your password.
- Something you have – your telephone.
For a third factor of authentication, PhoneFactor prompts you to speak a short passphrase during the authentication call to add:
- Something you are – your voiceprint.
A hacker would have to know your password and have your telephone to login as you. By requiring you to also verify your secret PIN or voiceprint, PhoneFactor can further ensure that you have possession of your telephone at the time of the authentication.
The entire authentication process is completely out-of-band, which protects against malware installed on your computer and man-in-the-middle attacks. These types of attacks defeat in-band authentication methods like security tokens, which require that a one-time passcode be entered into the login screen.
In addition to securing user logins, PhoneFactor can prevent fraudulent funds transfers and payments by verifying transactions through a similar out-of-band process. PhoneFactor simply provides details about the transaction during the phone call, text message, or phone app notification.
