Which philosophy of multifactor authentication (MFA) incorporates using a smart card or key fob to support authentication?

The correct answer focuses on the concept of "Something you have," which pertains to physical tokens used in multifactor authentication (MFA). This includes smart cards or key fobs that provide an additional layer of security beyond just passwords.

In MFA, combining multiple factors enhances security by requiring users to present two or more verification factors to gain access. "Something you have" involves tangible items that a user physically possesses for authentication. Smart cards and key fobs typically generate unique codes or signals that validate a user's identity, contributing to a stronger authentication process.

Concepts like "Something you know," which refers to passwords or PINs, and "Something you are," which relates to biometric data such as fingerprints or retinal scans, do not apply to the use of smart cards or key fobs but rather represent different types of authentication methods. "Something you do," which involves the behavioral aspects of a user, such as keystroke dynamics or patterns, also does not align with the use of physical tokens.