2 Factor Authentication issues

xylophone

https://www.amazon.co.uk/TTfone-Mercury-Button-Senior-Unlocked-Black/dp/B00LMBY4M6?tag=agespace12-21

Is cheap, has a dock (no fiddly charging lead) and a screen big enough for your father to read the text from the bank.

Cheap enough to buy and try with your father?

General_Grant

The use of the phone/computer has been looking at receiving a text with a code and putting that onto the website.
Is that actually how the Lloyds system works?
Is it that the code appears on screen and this is then keyed in or spoken into the phone - hence contact can be via landline or mobile?

Brie

Mnoee said:

Some banks have a physical card readers that can generate the code - Barclays is called pinsentry and there's an accessible version with a larger screen and loudspeaker/headphone jack. I don't know if Lloyds do similar or if switching bank is an option. 

If you have some way to get an accessible pinsentry from Barclays (or wherever) it should work for most any bank.  The only exception I've seen so far is M&S who have a completely tiddly version which works completely differently.

xylophone

The only exception I've seen so far is M&S who have a completely tiddly version which works completely differently.

It is like the  HSBC secure key.

Apparently there is a larger version available for those who need it.

The OP mentions

The recent 2 factor authentication is creating difficulties because my father does not have a smart phone, is hard of hearing and has limited dexterity in his fingers. 

I have a Lloyds account and there is no secure key/ card reader.

I log in on my laptop/desktop with user name and password and then letters from memorable word.

If  I'm setting up a new instruction, Lloyds send a code which appears on the computer screen and  tell me to wait for a telephone call  to my chosen phone (usually my landline) - once received, I key  the code  into the phone and if correct they tell me the code has been accepted and to hang up and follow any further instructions on the computer screen.

I assume that the "recent" two factor authentication must relate to telephone banking which I have never used with Lloyds.

Presumably the Lloyds "voice" says the code and the OP's father needs to key it in on his landline phone.

It seems that he can't hear the voice clearly and in addition has difficulty in  using the keypad on his landline phone.

I suppose that either the OP purchases a new landline phone with amplification and a large keypad or obtains a mobile like the one mentioned above which will enable father to receive texts and key in on a large number pad.

jools105

Thanks for all your replies. Now sorted. My mobile phone has been successfully added and works to provide the passcode needed for some online purchases. He hadn't needed this before, I think the fact that his bank card was expiring, and new details were being logged to a shopping account he uses regularly, was what triggered the need for a passcode. That said, the suggestion is that passcodes will be needed more frequently going forward. From my research, I'm not convinced that an old style big button mobile will work once 2G is switched off. May explore a new landline phone, once I can establish just what level of amplification he needs.

xylophone

May explore a new landline phone, once I can establish just what level of amplification he needs.

Of course changes are coming in this respect as well.....

https://www.which.co.uk/reviews/broadband/article/digital-voice-and-the-landline-phone-switch-off-what-it-means-for-you-aPSOH8k1i6Vv

jools105

Thanks for the tip off xylophone, I was vaguely aware of this, but not the national timescale.

enthusiasticsaver

My 86 year old mum is starting to have similar problems with 2 factor authorisation and lives over 200 miles away so I will have the the same issues.  Quite honestly once it gets to the point she cannot deal with it I shall be triggering my LPA and take over dealing with her finances as I cannot see that registering my mobile to her account will be of any use unless I am also using the app or website to purchase something or  set up a payment.  In which case I may as well just use the LPA so she no longer needs to worry about any of it.

The banks do not seem to get some elderly people get confused and are hard of hearing. 

we_mean_clean

What a pain! Sorry to hear you're going through this. I've got similar with my dad and so I have all of his logins on an offline spreadsheet and he gives me a call when he wants to authenticate something. Not ideal for either of us but it does work. Good luck! 

dosh37

I have been experiencing similar problems with Lloyds two factor authentication when using a DECT phone over a landline.

On my landline, keying in the 4 digit code provided on screen often fails to work. I know the key presses are being registered as the phone gives an audible beep on each key press. I also know that the code entered is correct as the digits show up on the handset.

The alternative speech recognition system that supposedly allows you to say the 4 digits does not work well on noisy lines. That also fails.

I have had this problem several times over the last few weeks. If I use a smartphone then I don't have the same issue.

In theory, using a landline should be more secure than a mobile since they are not subject to SIM swapping scams.

I have only found this a problem with Lloyds. The systems on other online banks I use work fine.

A number of other banks / building societies operate two factor authentication the other way round. They send a code via voice or text that you then enter on the PC being used for online banking. That seems much more reliable than displaying an authentication code on the PC and getting the user to enter that on the phone.

I tried to call Lloyds to complain but was unable to get through their awful automated customer service system to speak to anyone.