Each code can be used only once. The generation of unique access codes provides the Customer with a particularly high level of security for working with Internet banking. In the work with Multinet system www. Firewall — it is the programme, which provides the security barrier between your computer and virtual world. Hackers use the programmes, which are specially equipped for internet scanning and search of unprotected computers.
Such programmes send a small amount of the information to the computer and in case if there is no firewall programme installed, it automatically responds to such type of notice message , which respectively gives the possibility to force the system. Firewall programme recognizes such cases and do not respond to them, so hackers cannot get to know that your computer is connected to the network at all. Some spyware programs:.
Antivirus — the program, which recognizes and removes the computer viruses. In order to fight with the computer viruses, there are developed very many special antivirus programs, so called program scanners.
The principle of antivirus scanner actions is to find the infected files, while scanning the hard disk and removable data carriers USB flash. Antivirus can find only those viruses, which are known to him and, if after scanning the antivirus has not fixed anything, it does not mean, that the viruses are missing. It is advisable to renew antivirus data basis as often as possible. Control the computer program, used for the performance of electronic services on regular basis:. When starting work with the code generator, it is necessary to enter the 5-digit PIN-code.
In order to achieve the maximal security level in work with Multinet www. The bank also tracks the current value of the counter for your device, and uses this to recognize whether the 6-digit code you provided is valid.
Often, the bank will test a window of values. This helps ensure that if you press the button once and then don't send it to the bank, you can still log on you aren't locked out forevermore. In some schemes, if there is a gap in codes e. Based upon what you've told us, I would hypothesize that your device is probably using the sequence-based approach. Typically the serial number of the token is maintained as a record in the authentication server database, and the serial number is assigned to a username.
Also, you were able to punch in a PIN over and over and be authenticated because the authentication server will allow for a couple of minutes of clock drift. The token you have has a clock built in to generate the time based component. The server generates values for a range of time. It then can see which code you submit, and write a drift value to your record. Some systems will have a 'next-tokencode' mode, which is used if the clocks drift too far apart. The system will ask you to submit two values and see if they are correct and in the proper order, over a larger 'range' of time.
If the values are correct the authentication server can write the clock drift value to the record. I think this question lends itself to a very high level overview of how multi-factor authentication MFA works.
Of course, we have to skim over lots and lots of technical detail. The bank programs the token with a unique encryption key. In this case your Digipass token is made by Vasco, but there are many other companies that make similar tokens, which are " something you have " with regards to multiple factor authentication.
The token will generate a series of characters that are derived from the encryption key, current time, and optionally other various factors. Since the bank knows the unique encryption key, and all other other factors that the token uses, they can reverse-engineer the input to find out who "owns" that token. If the owner of the token matches the owner of the bank account that is being logged-in to, then the login is authentic.
There are many variations on this central theme, but in general they always involve "something you have" a physical token, or a smartphone app , a secret key stored within the token, and a mathematical algorithm to produce the output. Often, time is a critical factor in generating the output. Depending on the algorithm, the output may be different every single time in your case , or it may only vary occasionally e. Every hour. Sign up to join this community.
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How does the bank know the code is genuine? Improve this question. DisgruntledGoat DisgruntledGoat 1 1 gold badge 4 4 silver badges 9 9 bronze badges. Do you put your card in it?
Or there is a serial number on it you gave to the bank so they know what the PRNG is seeded to? They look similar but work it different ways.
Server runs same algorithm and verifies answers match. From the latter it seems to be generating codes depending on real time. Add a comment. Active Oldest Votes. There are two standard ways to build such a device: Time-based.
Improve this answer. The input x will progress in a defined way and produce modular output.
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