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Second factor: A second independent factor that is used in addition to the Subject's first factor in order to provide the Subject with the ability to use multi-factor authentication. Normally this means adding a second factor where the subject's first factor is a memorised secret (,i.e. a password).

Full multi-factor: A complete new set of credentials assigned to the Subject in order to provide the Subject with the ability to use multi-factor authentication. This new set of credentials is by itself composed of at least two dependent factors (e.g. a smart card) and does not depend in any way on the normally used memorised secret, i.e. a password, belonging to the Subject.

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