| What makes this 2FA? It's "something you know, plus mental labor", which makes it a password. 2FA is "something you have" (or ".. you are", for biometrics): it is supposed to prove that you currently physically posses the single copy of a token. The textbook example is a TOTP stored in a Yubikey. Granted, this has been watered down a lot by the way-too-common practice of storing TOTP secrets in password managers, but that's how it is supposed to work. Does your mTOTP prove you own the single copy? No, you could trivially tell someone else the secret key. Does it prove that you currently own it? No, you can pre-calculate a verification token for future use. I still think it is a very neat idea on paper, but I'm not quite seeing the added value. The obvious next step is to do all the math in client-side code and just have the user enter the secret - doing this kind of mental math every time you log in is something only the most hardcore nerds get excited about. |