2way Authentication For SSH?

Hi,

Does anyone know of a stable / working “2way authentication” system for SSH, and even web authentication services?

Most of the banks in South Africa have a system that, when you want to make a payment, they send you an SMS and you need to verify the action with a secret code which was SMS’d to you. gmail also has this.

Does anyone know of a “universal” plugin / application that can be used with SSH and even websites like WordPress / Joolma / Webmin / etc?


Any pointer would be appreciated.