7. 2 (Combined) Factor Authentication, Continued

Dynamic Grid Cards: A Dynamic Grid Card is similar to the Bingo Card above, with one important difference: This solution combines the user's password or PIN with information presented on a user screen, and interprets it using a token.

The user is presented with a screen not unlike the following:

The user has a password or PIN, and a token.

In conjunction with screen, token and PIN, a cipher text is derived and passed to the site software for validation.

Mobile Phones / PDAs:

An initiative is currently underway to enable personal electronic devices such as mobile phones, PDAs and the like to generate a cipher text representation of their PIN. The functionality is not unlike the electronic token, and seeks to use existing technology that may already be in the possession of potential users, to reduce costs.