Two-step verification drastically reduces the chances of someone stealing the personal information from your e-mail account because hackers would have to not only get a password and your user name, they would also have to have access to the mobile phone to which the code is sent.

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"The attacker would be acting as a proxy and be able to see your user name and password, " said Mr Mutton.

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For Wap sites this will be a PIN, on the web a user name and password.

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Access to the Family Link website requires an OnStar user name and password.

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Passport logs just a user name and password but can be extended, if a user chooses, to add lots more information.

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So in settings, you can enter user name and password, and auto configured for Twitter for any Twitter app, no need to log in every time.

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So if he is willing to bet millions on OneID, a start-up that promises to replace your user name and password for all your accounts with a single digital identity, OneID may be on to something big.

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Then we changed the default user name and password, and within minutes the router was connected to the Internet and we were surfing away like nothing had changed, feeling oddly like we had missed some complicated step in the process.

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Wells Fargo looks at multiple factors to authenticate users including name and password, a token in some cases, behavior such as the IP address the user comes in from and what he wants to do.

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