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Which of the following is the BEST way to satisfy a two-factor user authentication?

A smart card requiring the user’s PIN

User ID along with password

Iris scanning plus fingerprint scanning

A magnetic card requiring the user’s PIN

A smart card addresses what the user has. This is generally used in conjunction with testing what
the user knows, e.g., a keyboard password or personal identification number (PIN). An ID and
password, what the user knows, is a single-factor user authentication. Choice C is not a two-factor
user authentication because it is only biometric. Choice D is similar to choice A, but the magnetic
card may be copied; therefore, choice A is the best way to satisfy a two-factor user authentication.

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