According to Reuters, the Federal Financial Institutions Examination Council has told US banks to switch to two-factor authentication to prevent account hijacking. Two-factor authentication, which usually involves biometrics, challenge/response queries or secondary PINS generated by key-chain or card-based gizmos, are hoped to minimise the threat posed by intercepting passwords or phishing attacks. Banks will have just over a year to implement the requirements: Banks to strengthen Web log-ons to thwart ID theft - Yahoo! News.
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