Complete this text with words from Copposite. Most financial institutions offering Internet-based products should use (1) authentication to reduce the risks of account fraud and identity theft.

At present, most authentication methodologies involve three basic factors:

• Something the user knows (e.g. a (2)

institution) Something the user has (e.g. a (3)

identification number generator)

Something that shows who the user is, i.e. (4).

the confidential number given by the

the keyring-like

authentication (e.g. a.

fingerprint).. Authentication methods that depend on more than one factor are more reliable; for

example, the use of a (5)

a TAN (something the

user knows) to log in, and then a token (something the user has) to transfer funds.

Adapted from Federal Financial Institutions Examination Council

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