Replies to post #170831 on Zerify Inc (ZRFY)

[Baffic]

Here is the actual 2001 PDF and not the updated one (no idea when that was released).

https://www.ffiec.gov/pdf/pr080801.pdf

I see two factor but not Out-Of-Band mentioned (didn't read the whole thing).
• something the user knows (e.g., password, PIN);
• something the user possesses (e.g., ATM card, smart card); and
• something the user is (e.g., biometric characteristic, such as a fingerprint or retinal pattern).

So, continue arguing, keeps me entertained.