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What we are going to look at now is what is called multi-factor authentication. Now, if you go onto a website and you enter in your password, that is one level of accessing the website. So you are entering your user name, you are entering your password and that is it. So you have got all the details you need and you are on the site. Now, the problem there is, if someone was to know your password or managed to hack your account and your password, they can then access your account.

So, often organisations will have another level of protection. Now, with these extra levels of protection, you set them up so that there are what is called two-factor. So the first time you do it, is you lock in the username and password and the second time you need to enter in a code. So what the website does, is it sends a code out in different ways. One could be a text message to your phone, you might see this quite commonly with sites like PayPal and Amazon. They send a code out to your phone, very similar to when you are buying something online. So you go onto a store, you enter in your credit card details and once you have entered that, it asks you for a code.

So then you look at your mobile phone, you take the code off of there, usually a six-digit code, we enter it onto the website, then the website owner or the credit card company know that it is you who have got it, because if someone has hacked your account, they have also got to steal your mobile phone, so the chance of that happening is very, very slim.

So the first method is using the text message and the other one will be using an app. So, what we have got here is an app on a phone. So on the code along the top here, you have got a code, which is in this example 660275, on the right-hand side, you will see there is a timer going around. Now, this code will change, depending on the app, around about every 30 seconds, see it has gone red now? And it will now change over, 439109, and the time has gone around full on the right-hand side. So these codes keep changing all the time, so even if someone saw that code, he has only got 30 seconds to enter that code onto the website. So these can be really effective ways of having a second level of defence against fraud on any website.