AOL was the first major U.S. online business to offer small businesses, victims of identity theft, and individuals who pay bills and conduct other financial transactions through their AOL accounts _____. When they subscribe to this service, users will receive a matchbook-size device that displays a six-digit code that changes every minute. The code is necessary to log on, so even if someone guesses or steals a password, they cannot access the account without the device in hand.
a. Web identification
b. dual authorization technology
c. two-party access
d. privacy codes of conduct
e. two-factor authentication