Network security starts with authentication, commonly with a username and a password. Since this requires just one detail authenticating the user name—i.e., the password—this is sometimes termed one-factor authentication. With two-factor authentication, something the user 'has' is also used (e.g., a security token or 'dongle', an ATM card, or a mobile phone); and with three-factor authentication, something the user 'is' is also used (e.g., a fingerprint or retinal scan).