Which of the following statements about user authentication and security issues is correct? Please select all that apply. Using a memory card with PIN is two-factor authentication. Challenge-response...

Extracted text: Which of the following statements about user authentication and security issues is correct? Please select all that apply. Using a memory card with PIN is two-factor authentication. Challenge-response protocol can be applied to defend against replay attacks and denial of service attacks. | Memory cards can store and process data and require a special reader. A false match in biometric authentication means rejecting a legitimate user.