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2-actor authentication is a security process in which the user provides two means of identification, one of which is typically a physical token, such as a card, and the other of which is typically something memorized, such as a security code. In this context, the two factors involved are sometimes spoken of as something you have and something you know.A common example of two-factor authentication is a bank card: the card itself is the physical item and the personal identification number (PIN) is the data that goes with it.

According to proponents, two-factor authentication could drastically reduce the incidence of online identity theft, and other online fraud, because the victim's password would no longer be enough to give a thief access to their information.
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