Which of the following represents a multifactor authentication system?

Which of the following represents a multifactor authentication system?
A . An iris scanner coupled with a palm print reader and fingerprint scanner with liveness detection.
B . A secret passcode that prompts the user to enter a secret key if entered correctly.
C . A digital certificate on a physical token that is unlocked with a secret passcode.
D . A one-time password token combined with a proximity badge.

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Answer: D