A sample application that can be used as a template for implementing Mobile Two Factor Auth
The major drawback of authentication performed including something that the user possesses is that the physical token (the USB stick, the bank card, the key or similar) must be carried around by the user, practically at all times. Loss and theft are a risk. There are also costs involved in procuring and subsequently replacing tokens of this kind. In addition, there are inherent conflicts and unavoidable trade-offs between usability and security.
from The Android Arsenal
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