SECURE SMS 2FA PROPOSAL CONTENTS - Abstract / Management summary - Introduction - SMS 2FA vulnerabilities - Secure SMS 2FA proposal - Details - Algorithm #2 - Algorithm #3 - Algorithm #4 - Advantages I can think off - Disadvantages I can think off - Additional considerations - Appendix - Tables - Acknowledgements - Conclusion ABSTRACT / MANAGEMENT SUMMARY Although stronger authentication results in less victims of identity-fraud, a disadvantage is that it will be harder for such victims to prove that they are who they say they are. Although this is unavoidable, it is a risk that must be taken into account by at least acknowledging it, and preferably offering -quickly acting- services to help such (claimed) victims. However, "stronger authentication" that is a lot weaker than advertised and therefore much weaker than believed to be, provides a false sense of security. This does not only lead to an increase in the number of victims, but likely also increases the number of victims not being believed. And, ...