Coventry Building Society have recently introduced the Grid Card as a simple form of 2-factor authentication. It replaces memorable words in the login process. Now the idea is that you require something you know (i.e. your password) and something you have (i.e. the Grid Card) to log in - 2 things = 2 factors. For more about authentication see this post . How does it work? Very simply is the answer. During the log in process, you will be asked to enter the digits at 3 co-ordinates. For example: c3, d2 and j5 would mean that you enter 5, 6 and 3 (this is the example Coventry give). Is this better than a secret word? Yes, is the short answer. How many people will choose a memorable word that someone close to them could guess? Remember, that this isn't a password as such, it is expected to be a word and a word that means something to the user. The problem is that users cannot remember lots of passwords, so remembering two would be difficult. Also, having two passwords isn't real
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