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Two factor authentication is all the rage. Many banks have sent their customers tiny plastic devices, that look like calculators, to put their cards into when doing online banking, and Git has recently introduced it. Usually supplying a username and password is a single factor as these are things you know. By adding in a second factor, something you have, systems can be made much more secure. Recently I worked on a system that turns your mobile phone into the second factor, the thing you have. Great idea, you probably already have it with you.