In a world where digital interactions are increasingly prevalent, and scammers are finding ever more creative ways to exploit people, digital security is a highly relevant topic for those who conduct online transactions. Here in the StarsPay articles, you can find a complete section on anti-fraud, including tips on creating a strong password.
However, a complex password alone may not be enough to protect an account these days. That’s why many services offer the option of Two-Factor Authentication (also known as 2FA), which adds an extra layer of security to accounts. Learn more about how 2FA works and why it’s important to use this feature.
What is Two-Factor Authentication?
As the term suggests, Two-Factor Authentication requires two steps to verify the user’s identity at login. In addition to the defined password, there’s a second layer needed to confirm legitimacy. Typically, this could be a unique code or number, accessible through a mobile device or a physical security token, or even biometrics, which is becoming increasingly popular, such as fingerprint or facial recognition.
This significantly increases account security. After all, even in a scenario where the password is leaked or someone discovers your password, the scammer won’t be able to access the account. Access is only possible for someone who has the registered device or fingerprint, creating a barrier that is very difficult for fraudsters to overcome.
How Does It Work?
When an account has 2FA enabled, the login occurs in two steps. First, you need to enter your email/username and traditional password. Then, the second verification takes place, forming the second layer of security.
The most common methods involve entering a code received via SMS or WhatsApp, for example. It’s also possible to use specific authentication apps, such as Authy or Google Authenticator. These programs generate a unique access code, so only the person with the device and password can access the account.
Another option is a hardware token. Usually provided by the bank/service itself, this device also generates a unique access code with a limited duration, offering greater security. In the case of biometrics, you need to confirm your fingerprint or facial recognition after entering the password, also preventing unauthorized access.
Extra Precaution
Whenever you have the option to activate 2FA for an account, it’s recommended that you do so. This way, the main methods of password theft become useless to scammers, leaving consumers much less vulnerable. However, it’s necessary to be aware of an extra precaution. Through frauds like fake customer service centers, criminals try to get people to reveal their tokens over the phone or by message.
It’s important to emphasize: a legitimate contact from a bank or any other type of company will never ask you to disclose your password or code in a call or message. Any token you receive should only be viewed by the user and never shared. By taking these precautions, online security is greatly reinforced, making it much harder for those attempting scams.
