Let us look at combining the different factors to determine single factor, dual factor, or multifactor. Here are different factor examples:
- Single factor: If I have a username, password, and PIN then it is only single factor as they come from the same group.
- Two factor: If you have a smart card and a PIN, this is two factor, also known as dual factor.
- Multifactor: This is where more than one factor can be used, for example if you combine a hardware token with a PIN.