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A near field communication (NFC) enabled smart card
|“||achieves multifactor authentication without a bulky external card reader, addressing some usability concerns. Once a smartcard is placed within centimeters of an NFC-enabled device, the mobile device can wirelessly communicate with a smartcard to access its stored credential. The user would need to hold or place the card very near to the mobile device as they enter the PIN protecting the credentials stored on the smartcard. Protecting software tokens using software-based mechanisms potentially increases the risk that the credential could be stolen — hardware-based storage is preferred to software-based mechanisms for credential storage.||”|