CompTIA Network+

Answer: B, D - An ATM Card and Pin, as well as a code word and voice recognition software are both methods that can be categorized as multifactor authentication.

Key takeaway: Multifactor authentication is achieved by having two or more of the three methods of authentication. The three methods of authentication are something you know, something you have, and something you are. An example of something you know is your password, or username or anything that you can have knowledge of. So in the case of A, Username and Password, this is still Single-factor authentication because they are both something you know. The something you have could be your ATM Card, or something that you can physically hold. The last is something you are. These are the things that belong only to you, such as your fingerprints, or your retinas or your voices. Biometric devices are how we can authenticate via something you are so in the case of C, the thumb and forefinger print reader, these are both something you are, and so is E. For B, your ATM card is something you have, and the PIN is something you know, thereby achieving multifactor authentication.