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  • Something the user knows, such as a password, pass phrase, or PIN.
  • Something the user has; this can be a physical or logical security token, including a one-time password (OTP) token, a key fob, an employee access card, or a phone’s SIM card.
  • Something the user is; this refers to biometric identification such as retina scans, fingerprints, or voice authentication.
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multifactor authentication:

  • single sign on: what you know = username & password.
  • 2 way authentication: what you have = username & password + OTP.
  • 3 way authentication: what you are = username &password + OTP + biometric scan.

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