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SMS is "universal in some respects; all you need is a mobile phone." But Twitter has faced some backlash, he said, because many of the highest-profile Twitter hacks have been against corporate Twitter accounts."Two-factor authentication does help, but Twitter is a high-value target, and it needs to be protected like one," said Jim Fenton, chief security officer at One ID, an enterprise password replacement system.Here's a rundown of what two-factor authentication is, how it can work for you, and what its limitations are.Two-factor authentication adds a second level of authentication to an account log-in. When you use your credit card and you must enter in your ZIP code to confirm a charge, that's an example of 2FA in action.It's true that two-factor authentication is not impervious to hackers.One of the most high-profile cases of a compromised two-factor system occurred in 2011, when security company had been hacked.

"If I lost my phone, it would take forever to go through each account and recover them.

Account recovery resets your current password and emails you a temporary one so that you can log in again.

"One of the biggest problems that's not adequately solved is recovery," said Duo Security's Oberheide.

You may not know it, but you probably already use two-factor authentication in the physical world.

This explanation of what it is should help convince you why it's a good idea to use it with mission-critical online services, too.

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