earticle

영어

For over the past 10 years, the overwhelming majority of online login required only an ID and password, which classifies as one factor authentication. In response to rising cyber-security concerns, firms and banks have implemented several new forms of two factor authentication. This paper focuses on QRLogin, one of the leading two factor authentication programs, which successfully balances security with convenience. The system combines the traditional username and password with a time-sensitive, one time passcode. In contrast to this advanced security, users may conveniently login by scanning a code with their smartphone. Although the scanning feature of the QRLogin system is limited to smart phone owners, users may also login through the traditional ID and password method. The QRLogin system illustrates the modern development of two factor authentication, which substantially increases the security of online transactions. We encourage further research cyber-security to foster consumer confidence and growth in online markets.