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The Three ‘Factors’ of Authentication
The need for a more robust
authentication means is always on the agendas of corporate IT
executives. Multi-factor authentication refers to the approach of using
more than one authentication means to complement each others, forming a
more secure method to distinguish the genuine individual from an
unauthorized one.

Generally there are three types (or
‘factors’) of authentication means. The first type is
proprietary knowledge – the question of “what you
know”. If someone knows a secret code that is only known to the
called party and the calling party, the called party considers the
calling party as the intended user. This is the premise of the static
“User ID and Password” system. The second type is personal
belonging – the question of “what you have”. If
someone can present a personal belonging that only the calling party
has, the called party considers the calling party as the intended user.
This is like checking identification proof in the physical world. The
issue is how to detect the presence of the individual’s personal
belonging such as physical token, smart card and mobile phone through
the network. The third type is biological characteristics – the
question of “who you are”. For examples, fingerprints, eye
retinas and irises, voice patterns, facial patterns, hand geometry and
movements such as hand writing.
Two-factor authentication using PIN and token

The most accepted form of
two-factors authentication systems usually tests "what you know" and
"what you have". Although technically viable, it is rare to find
three-factor authentication systems that demand the testing of "what
you know", what you have" and "who you are" because the burden of
usability would increase as more factors are tested.
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