he was correct.. and nowhere did he mention account number as one of the factors.
AussieSimon, the individual i responded to stated there are two factors at an ATM. #1 The plastic card. #2 the PIN code for that card.
AussieSimon was mistaken on that account. Just because you have to present the username or account number on "a plastic card" (something you have) does not make it serve as a factor.
This would be like arguing that the prox card that you maybe use at work to open doors is "1-factor" authentication on the basis of "it's something you have". No it isn't. Because anyone can use it (or steal it) and gain access. It's identity only. 0-factor.
The ATM is only reading identity info off the mag stripe on the card - The account number. But, go ahead, if you want to argue semantics that AussieSimon didn't literally say "account number is a factor" that's fine. But, that's what the ATM card represents, your bank account number. They were representing that the ATM card counts as a factor.
account number, like Apple ID, would be useless in trying to withdraw money. If you were correct in saying that password and physical card were the same thing.. and this only one factor, you would only need one to gain access. good luck withdrawing money from any bank atm with just the code... or just the card.. see how far you get with that.
Correct.
That ATM card, its mag stripe data, account usernames, or account numbers are useless on their own for account withdraws or logging into a website or ordering something. Why? Because the identity that they provide is protected by (typically) 1 factor of authentication. Needing to know the PIN for the account at the bank. Or the password for the website login or order purchase.
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he was correct.. and nowhere did he mention account number as one of the factors. account number, like Apple ID, would be useless in trying to withdraw money. If you were correct in saying that password and physical card were the same thing.. and this only one factor, you would only need one to gain access. good luck withdrawing money from any bank atm with just the code... or just the card.. see how far you get with that.
Looking back though - I can see now how what I wrote was confusing though. I could have written that better. My apologies.