UserLock leverages authenticator applications or programmable hardware tokens to generate a time-based one-time password (TOTP) for strong two-factor authentication.
Using a smartphone as a secure token frees the users from carrying a dedicated token device. Since the codes are generated and displayed on the same device, it removes the chance of hacker interception and means users can even authenticate offline. This is the best balance of security, usability and cost available today.
Programmable hardware tokens are a "drop-in" replacement of TOTP mobile apps. They are a great way to implement MFA for end-users who cannot use a corporate phone.