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Authentication Methods Cheat Sheet

Passwords, MFA, biometrics, and SSO protocols

Method Category Security Pros Cons
PasswordSomething You KnowLowSimple, universalWeak, reusable, phishable
PINSomething You KnowLowQuick entryShort, brute-forceable
Security QuestionsSomething You KnowVery LowFallback optionEasily researched, weak
TOTPSomething You HaveGoodTime-based, offlineCodes expire quickly
HOTPSomething You HaveGoodCounter-basedSync issues possible
SMS OTPSomething You HaveModerateNo app neededSIM swapping, SS7 attacks
Email OTPSomething You HaveModerateNo app neededEmail compromise risk
Push NotificationSomething You HaveGoodEasy, one-tap approvePush fatigue attacks
Hardware TokenSomething You HaveExcellentPhishing-resistantCost, can be lost
FIDO2/WebAuthnSomething You HaveExcellentPhishing-proof, no secretsDevice-bound
PasskeysSomething You HaveExcellentSynced, phishing-proofNew standard adoption
Smart CardSomething You HaveExcellentPKI-based, strongRequires reader
FingerprintSomething You AreGoodConvenient, fastSpoofable, unchangeable
Facial RecognitionSomething You AreGoodHands-freeLighting, masks, twins
Iris ScanSomething You AreExcellentVery unique patternExpensive, intrusive
Voice RecognitionSomething You AreModerateHands-freeSpoofable with recordings
MFA (2FA)Multi-FactorVery GoodCombines factorsUser friction
Adaptive/Risk-BasedContextualDynamicContext-awareComplex to implement
SSOFederatedDepends on IdPSingle loginSingle point of failure
OAuth 2.0AuthorizationStandardDelegated accessComplex flows
SAMLFederatedGoodMature, XML-basedVerbose, complex
OIDCFederatedGoodJSON/JWT, simplerOAuth extension

๐Ÿ›ก๏ธ Three Authentication Factors

Something You Know: Password, PIN
Something You Have: Token, phone, smart card
Something You Are: Fingerprint, face, iris