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Authentication Factors

Access control · 3 min read

Three ways to prove it’s you

Taking cash from an ATM needs your card (something you have) and your PIN (something you know). A thief with just one of them gets nothing. That’s multifactor authentication, and you use it every week without thinking.

Something you know, something you have, something you are, with examples and weaknesses.
FactorExamplesMain weaknesses
Something you knowPassword, passphrase, PIN, security answersGuessing, phishing, reuse, sharing
Something you haveHardware token, smart card, authenticator app, FIDO2 security keyLoss, theft, cloning of weaker tokens
Something you areFingerprint, face, iris, voiceFalse matches; can’t be changed if stolen; privacy

Some systems add somewhere you are (location) or something you do (behaviour) as extra risk signals.

What counts as multifactor

Multifactor authentication (MFA) combines at least two different types of factor.

  • Smart card + PIN: MFA (have + know).
  • Password + hardware token: MFA.
  • Password + security question: not MFA. Both are things you know.

Making passwords less bad

Password controls: length, screening, no reuse, lockout, salted hashes, no passwords in code.
  • enough length: passphrases are easier to remember and harder to crack
  • screening against lists of breached and common passwords
  • no reuse of recent passwords
  • lockout or throttling after repeated failures, with alerts. Lockout stops online guessing, but attackers can abuse it to lock people out, so use sensible thresholds.
  • stored as salted hashes using slow algorithms, never in clear text or reversible encryption
  • unique initial passwords, delivered securely and changed on first use
  • no passwords in scripts or code

Current guidance favours length and screening over forced frequent changes, with a change required when compromise is suspected.

Not all MFA is equal

Password only, SMS, push, authenticator app and FIDO2 from weaker to phishing-resistant.
  • One-time passwords (OTP) from hardware tokens or authenticator apps change every 30 to 60 seconds, or with each use.
  • SMS codes beat passwords alone but are weaker than app codes, because of SIM swapping and interception.
  • Push notifications are convenient, but attackers send prompt after prompt hoping the user taps “approve” (MFA fatigue). Number matching helps.
  • Phishing-resistant MFA (FIDO2 security keys, passkeys, PKI smart cards) uses cryptography tied to the genuine website, so a fake login page can’t capture anything usable.

Example. An attacker phishes a finance manager’s password and one-time code through a fake login page, then logs in to the real site within seconds. The organisation had MFA, but not a phishing-resistant type. Moving privileged and finance users to FIDO2 keys closes the gap.

Where MFA goes first

  • remote access (VPN, remote desktop, webmail)
  • privileged and administrator accounts
  • cloud administration consoles
  • access to sensitive data and payment systems

How the exam asks about it

If the question asks…The answer is usually…
Example of two-factor authenticationSmart card plus PIN; password plus hardware token
Password plus security questionSingle-factor (both knowledge)
Strongest protection against phishingFIDO2 / passkeys / PKI-based MFA
Best way to store passwordsSalted hashes using a slow algorithm
Weakness of SMS codesSIM swapping and interception
Highest priority for MFARemote and privileged access

In short

  • Three factor types: something you know (password, PIN), something you have (token, phone, smart card), something you are (biometric).
  • Multifactor authentication combines factors of different types; two passwords are still single-factor.
  • Password controls: length and complexity, no reuse, lockout after failed attempts, secure storage as salted hashes, and screening against breached passwords.
  • One-time passwords from tokens or apps are stronger than static passwords; SMS codes are weaker because of SIM swapping and interception.
  • Phishing-resistant MFA (FIDO2 security keys, passkeys, smart cards with PKI) binds authentication to the legitimate site.
  • MFA should be applied first to remote access, privileged accounts, and access to sensitive data.

Exam traps

  • A password plus a security question is two things you know: single-factor.
  • Account lockout protects against online guessing but can be abused for denial of service; use thresholds and alerts.
  • Passwords must be stored hashed with a salt, never in clear text or with reversible encryption.
  • Push-notification MFA can be defeated by 'MFA fatigue' attacks; use number matching or phishing-resistant methods.
  • Smart cards are something you have; the PIN that unlocks them is something you know.

Slides

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CISA · Domain 5 · Access control

Authentication Factors

The three ways to prove who you are, what genuinely counts as multifactor, how to make passwords less bad, and which kinds of MFA stand up to phishing.

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