Another option is to use an application called Google Authenticator. This service uses Google's servers to verify your username and password when you are logging in. The benefit is that if the application is able to obtain your phone number, it will not be able to hijack your account.
Next, the attacker will search for a service like Google Authenticator or Microsoft Authenticator. Since these services require you to install an app on your device (smartphone, etc.), they require that the attacker gains access to your device. At this point, they know your username and password, and they have full access to your account. They can either immediately login and harvest the credentials you use, or wait until you login to our site.
If you're using a computer, we recommend that you use a different account than the one you use for your business, or at least set a strong password. The problem is that we haven't seen any evidence that the attacker is directly targeting your device. As long as you use a strong password, or use a password manager, your smartphone is not likely a target. This would be a much larger problem if your phone was compromised.
TOTP is an acronym for Time-based One-time Password. This is a method of generating one-time passwords. The entire process is based around a secret number known as a time-based OTP. All time-based OTPs are generated using a secret key which is typically created using a user's password.
This is called token based authentication , and is the most common form of 2FA. Tokens are pieces of hardware that store a one-time-password to use with an application, as well as possibly additional information needed to confirm the token.
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