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If someone glances at your current token or obtains it in some other fashion, it’s no good after less than 30 seconds.
If someone obtains your credential number, the current token can’t be reverse engineered from it. The security of a second factor is that a thief needs two parts to abuse your information, and it’s hard to obtain both parts at once. I use those sites regularly but not frequently, and I’m always rooting around to find the key fob. I currently have key fobs from eBay/PayPal and Etrade. And it’s a single device that many Web sites can support. The convenience of having this second factor on your phone can’t be overstated: we iPhone users generally have our phones with us most of the time, and when we’re using a computer, it’s likely on our person or nearby. From then on, you must have the phone and the current token to supplement your regular login to use that site. (Passwords are always encrypted and protected at any well-designed site, but a data breach could allow crackers to pair account information with commonly guessed passwords or passwords assembled from other sources that are then matched up by email or otherĪt sites that support VeriSign’s system, you log in the first time with your current user name and password, and then enter the credential from VIP Access to activate two-factor authentication (one factor is your regular login the other, the token). A site would have to suffer an internal security flaw that allowed token entry to be disabled or bypassed.
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Because VeriSign separately controls and authenticates its own tokens, a cracker can’t get in, even if he has your user name and password. When using this system you’re much less likely to experience account theft, even if there’s a breach of login data at a Web site or if you’re scammed out of your login credentials. VeriSign has released this application previously only for mobile phones, including the BlackBerry and other platforms.
IPod touch devices can’t use VIP Access because of the lack of an out-of-band method of confirming a unique identity, at least in the current system design. (VIP stands for VeriSign Identity Protection.) Once the credential is confirmed with this looped-back process, the program generates a unique 6-digit token every 30 seconds using an algorithm that’s uniquely derived from the credential. The free VIP Access for Mobile application relies on a unique credential created for your iPhone based on its phone number, and confirmed with an SMS message sent to that number.
AOL, eBay, and PayPal are notable among current sites supporting the system. VeriSign has released an iPhone app that lets you supplement a user name and password login at several Web sites with a well-regarded and cryptographically robust method of confirming your identity.
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