When it comes to login or authentication schemes for web
pages you have a few choices.
- Authenticate
with email address and a password.
- Authenticate
with a user name (either system or user generated) and password.
- Authenticate
with an account number (or some relevant identifier) and password.
- Authenticate
with an account number (or some relevant identifier) and pin or other
unique identifier (SSN, address, etc).
Each of these schemes has its own unique merits.
The most popular is probably number one
above.
The email address is usually one
of the easiest logins to remember.
However
a potential stumbling block is the situation where multiple unique users share
an email address.
It’s hard to believe
that this seems logical to a person when email addresses are a free commodity.
Number two is probably the second most popular as it
eliminates the problem from number one, however it introduces the problem that
a user must remember some kind of random user name because they probably won’t
get the one they want as it will already have been taken. This increases the possibility of support
calls and user frustration.
Number four is becoming more common especially for financial
services and other highly regulated or secure environments. All information is meaningful and unique.
My preference is usually number one. It’s common and easy to understand and the
draw backs are easily remedied by the forcing of a unique email address.
I choose number four as my second choice. It’s more complex to implement but it
provides a higher level of security while using relevant customer/user
information. This would prove especially
effective if the required login information changed randomly like many
financial institutions authentication schemes.