Which of the following is an example of multi-factor authentication?
A . A token that must be presented twice during the login process
B . A user passphrase and an application level password.
C . A user password and a PIN-activated smart card
D . A user fingerprint and a user thumbprint
Answer: C
Explanation:
According to the PCI DSS v3.2.1 Quick Reference Guide1, a user password and a PIN-activated smart card is an example of multi-factor authentication. This is one of the requirements for preventing unauthorized access to cardholder data using digital certificates.
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