Those innocuous traits led investigators to initially believe the computer access from China using Bob's credentials was unauthorized -- and that some form of malware was sidestepping strong two-factor authentication that included a token RSA key fob under Bob's name.

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One idea that has taken root is the use of a token the size of a key fob that generates a random six-digit password every 60 seconds.

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While MLMs and pyramid schemes both use customers as distributors for their products, the key difference is that pyramid schemes sell token items, something that nobody actually wants.

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If the bank finds that the user answers in short order all its many questions correctly, it will transfer to his laptop a cookie which includes an encrypted token, which further includes a key and a "hash number".

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Kolodgy recommends using a "token, " another type of device based on flash memory that functions as a key, made by companies such as Rainbow Technologies.

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