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It is a method of confirming users' claimed identities by using a combination of two different factors: 1) something they know, 2) something they have, or 3) something they are.\r\nA good example of two-factor authentication is the withdrawing of money from an ATM; only the correct combination of a bank card (something the user possesses) and a PIN (something the user knows) allows the transaction to be carried out.\r\nTwo other examples are to supplement a user-controlled password with a one-time password (OTP) or code generated or received by an authenticator (e.g. a security token or smartphone) that only the user possesses.\r\nTwo-step verification or two-step authentication is a method of confirming a user's claimed identity by utilizing something they know (password) and a second factor other than something they have or something they are. An example of a second step is the user repeating back something that was sent to them through an out-of-band mechanism. Or, the second step might be a six digit number generated by an app that is common to the user and the authentication system.","materialsDescription":" <span style=\"font-weight: bold;\">What is MFA?</span>\r\nMulti-factor authentication (MFA) combines two or more independent authentication factors. For example, suppose your website required your clients to enter something only they would know upon login (password), something they have (like a one-time smartphone authentication token provided by special software), and a biometric identifier (like a thumbprint). It is pretty hard for a mortgage cyber-attacker to have all three of those items, especially the biometric identifier.\r\n<span style=\"font-weight: bold;\">Why do I need MFA? What are the benefits?</span>\r\nPasswords are becoming increasingly easy to compromise. They can be stolen, “phished”, guessed, and hacked. New technology and hacking techniques combined with the limited pool of passwords most people use for multiple accounts increases vulnerability.\r\n<span style=\"font-weight: bold;\">How does MFA work?</span>\r\nMulti-factor authentication throws a few roadblocks in the hacker's pathway. Location factors are one way for a security system to identify a person's identity. For example, work schedules and location can determine whether a user is who he says he is. Time is another example of a security layer. If a person uses his phone at a job in the US, it is physically impossible for him to use it again from Europe 15 minutes later. These are especially helpful in online bank fraud and, by extension, mortgage company fraud.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Multi-factor_authentication.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]}],"suppliedProducts":[{"id":5713,"logoURL":"https://old.roi4cio.com/fileadmin/user_upload/Nok_Nok_Labs.png","logo":true,"scheme":false,"title":"Nok Nok S3 Authentication Suite","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"nok-nok-s3-authentication-suite","companyTitle":"Nok Nok Labs","companyTypes":["supplier","vendor"],"companyId":7028,"companyAlias":"nok-nok-labs","description":"The Nok Nok S3 Authentication Suite enables FIDO certified multi-factor authentication (FIDO UAF, FIDO U2F, WebAuthn, and FIDO2) for mobile and web applications. Rather than the unpleasant experience of entering usernames and passwords, users can enjoy using the latest biometric authentication technology that already exists on their devices. \r\n<b>Universal Authentication Server </b>\r\nNok Nok™ Authentication Server in conjunction with Nok Nok App SDK delivers delivers robust multi-factor authentication using the existing security features of a user's device (such as a fingerprint sensor) instead of a password. The Server supports emerging industry standards from the FIDO Alliance and provide organizations with a unified interface to incorporate strong authentication. Key features of the Authentication server: \r\n<ul> <li>Account Recovery</li> <li>Auditing capabilities </li> <li>Federation Support e.g. IBM SAM, PingFederate, ForgeRock </li> <li>FIDO UAF, FIDO U2F, Web Authentication, and FIDO2 Protocol support </li> <li>Industry compliance based implementation e.g. SOX, PSD2, HIPAA etc. </li> <li>Multi-tenancy support </li> <li>Out of Band Authentication Support </li> <li>Policy Based Authentication </li> <li>Reporting capabilities </li> <li>REST API for easy integration into custom web applications </li> <li>Web based administrative user interface </li> </ul>\r\n<b>App SDK for Smart Watch </b>\r\nThe Nok Nok App SDK for Smart Watch allows customers to standardize on next-generation authentication across all digital channels - including smart watches. Smart watch apps can have a strong, device-bound credential that doesn’t need frequent renewal and server-side infrastructure can be standardized to support industry standards, including FIDO next-generation authentication - across all digital channels. \r\n<b>Mobile Passport Application </b>\r\nPassport from Nok Nok is an authentication app that supports the FIDO Universal Authentication Framework (UAF) protocol. Further, it also supports out-of-band authentication to authenticate to selected websites on a laptop or desktop computer. \r\n<b>Gateway </b>\r\nNok Nok Gateway offering is designed to facilitate the ease of FIDO enablement of Mobile Apps and its integration to the Nok Nok Authentication Server. Key benefits of this offering include: Single API call from the Mobile App - to trigger registration, authentication and deregistration process; Easy enablement and handling of network communications/Session management with the Nok Nok Authentication Server. 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Or, the second step might be a six digit number generated by an app that is common to the user and the authentication system.","materialsDescription":" <span style=\"font-weight: bold;\">What is MFA?</span>\r\nMulti-factor authentication (MFA) combines two or more independent authentication factors. For example, suppose your website required your clients to enter something only they would know upon login (password), something they have (like a one-time smartphone authentication token provided by special software), and a biometric identifier (like a thumbprint). It is pretty hard for a mortgage cyber-attacker to have all three of those items, especially the biometric identifier.\r\n<span style=\"font-weight: bold;\">Why do I need MFA? What are the benefits?</span>\r\nPasswords are becoming increasingly easy to compromise. They can be stolen, “phished”, guessed, and hacked. New technology and hacking techniques combined with the limited pool of passwords most people use for multiple accounts increases vulnerability.\r\n<span style=\"font-weight: bold;\">How does MFA work?</span>\r\nMulti-factor authentication throws a few roadblocks in the hacker's pathway. Location factors are one way for a security system to identify a person's identity. For example, work schedules and location can determine whether a user is who he says he is. Time is another example of a security layer. If a person uses his phone at a job in the US, it is physically impossible for him to use it again from Europe 15 minutes later. 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