As more and more people rely on online access to data and other information, it is important that this information be protected. One way in which banks, credit unions and other financial industries regulate access is by using a digital certificate for each user. When you visit your bank online the first time, you will need to register with the website. It is during this time the electronic certificate is created and linked with your computer. The certificate contains different components which help ensure a secure connection while accessing your online banking data.
A Digital Certificate Can Contain Two Factor Authentication Data
Depending upon the type of digital certificate used, you may find that you have to use two factor authentication when logging onto certain websites or online connections to virtual servers and workstations. Two factor authentication is where you provide your user ID and password. You also have to provide some other form of authentication, which is often held within the electronic certificate contained on your computer. If your computer does not contain this certificate, then access will be denied.