Eccouncil 112-51 Exam - Topic 2 Question 25 Discussion

Actual exam question for Eccouncil's 112-51 exam

Question #: 25
Topic #: 2

Kevin logged into a banking application with his registered credentials and tried to transfer some amount from his account to Flora's account. Before transferring the amount to Flora's account, the application sent an OTP to Kevin's mobile for confirmation.

Which of the following authentication mechanisms is employed by the banking application in the above scenario?

ABiometric authentication

BSmart card authentication

CSingle sign-on (SSO) authentication

DTwo-factor authentication

Show Suggested Answer

Suggested Answer: D

Two-factor authentication (2FA) is a type of authentication that requires users to provide two or more forms of verification to access an online account. 2FA is a multi-layered security measure designed to prevent hackers from accessing user accounts using stolen or shared credentials. 2FA typically combines something the user knows (such as a password or PIN), something the user has (such as a phone or a token), and/or something the user is (such as a fingerprint or a face scan). In the above scenario, the banking application employs 2FA by asking Kevin to enter his registered credentials (something he knows) and an OTP sent to his mobile (something he has) before transferring the amount to Flora's account. Reference:

Improve Your Cybersecurity with Password MFA - Defense.com

What Is Two-Factor Authentication (2FA)? | Microsoft Security

Selecting Secure Multi-factor Authentication Solutions

by Gearldine at Nov 13, 2024, 12:28 PM

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Billye

8 months ago

I thought biometric was more common these days?

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Floyd

8 months ago

Yup, 2FA is super important for security!

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Carlene

8 months ago

Wait, are we sure it's not just a regular login?

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Beatriz

8 months ago

Agreed, the OTP is a clear sign of 2FA.

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Mari

8 months ago

That's definitely two-factor authentication!

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Ciara

9 months ago

I vaguely recall that SSO is more about logging in once for multiple services, so that doesn't fit here. It has to be two-factor authentication.

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Samuel

9 months ago

I thought biometric and smart card authentication were more about physical devices, so this must be two-factor authentication, right?

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Stephanie

9 months ago

I'm not entirely sure, but I feel like this scenario is similar to practice questions we did on multi-factor authentication.

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Freeman

9 months ago

I remember studying about different authentication methods, and I think OTPs are a key part of two-factor authentication.

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Novella

9 months ago

Okay, let me break this down step-by-step. The user logs in with their credentials, then the app sends an OTP to their phone for confirmation. That sounds like a two-factor approach to me. I'll go with option D.

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Boris

9 months ago

Ah, I see what's going on now. The registered credentials are the first factor, and the OTP sent to the mobile is the second factor. That's classic two-factor authentication. I'm confident I can get this one right.

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Latanya

9 months ago

Hmm, I'm a bit unsure here. The question mentions logging in with registered credentials, so I'm not sure if that's considered a separate factor. I'll have to think this through carefully.

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Lura

9 months ago

This seems like a straightforward two-factor authentication question. The key is identifying the use of the OTP sent to the user's mobile device.

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Cassie

2 years ago

Haha, who even uses smart cards these days? D is the obvious choice here. I guess the bank doesn't want to risk Kevin emptying his account and running off to Hawaii!

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