N-Factor Authentication

2-factor authentication provides an extra layer of security to your account to prevent someone from logging in, even if they have your password. This extra security measure requires you to verify your identity using a randomized multi-digit code that your service provider texts to you each time that you attempt to log in.  Alternatively, they may call you and ask you to verify that you are trying to log in.

New technology has emerged that can divert these texts and calls to a third party that pretends to be you.  They can mimic your voice, answer your security questions, and show their location as yours despite their being far away.  This has prompted service providers to add new levels of authentication.  The industry is calling it N-factor authentication.

Via your Apple watch, or equivalent, they can sense and decode your DNA is real time. If they can sense that you are holding the phone, you will be admitted to the service.  Next-generation phones will be able to sense what you ate for your last meal.  If you respond correctly to this phone query about what you ate, you will be admitted to the service.

Some of these levels have been criticized as intrusive.  If your blood alcohol content (BAC) level exceeds legal levels in your state, you will not be able to access your accounts or, for that matter, start your vehicle.  Your phone will still work so you can call for a ride.  However, your credit card will not be authorized if you decide to have one for the road.

What if the authentication system is wrong?  It sensed you ate cauliflower, but you actually had broccoli.  What’s your recourse?  You can submit your claim to the State Authentication Agency.  There is an online claim form, which makes it easy if you can prove you are who you say you are.  What did you eat for lunch? 

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