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Which of the following is an example of multi-factor authentication?
Smart card plus PIN
Voice recognition plus fingerprint
Password plus PIN
Of the alternatives given, only smart card plus PIN is an example of multi-factor authentication. A smart card is something you have; a PIN is something you know. Passwords are also something you know, so password plus PIN is still only one factor authentication. Voice recognition and fingerprint are both "something you are" so they are likewise only one factor. The three possible factors are something you are, something you have, and something you know. EDIT: But why does twitter call it 'two factor authentication' when it's a password + sms to phone? EDIT: The phone can technically be something only you should have.
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