@thelionroars1337 - By
'we' I meant me, you, everyone that read your question and didn't have any additional information, and all the literature that all of us have ever read on the topic (refers to this
three-factor authentication paradigm in the same way) yet fails to credit any author for it (which is rare and inexcusable in scientific and other expert publications). Google, or other search engines, are none the wiser either. I think it's fairly safe to ascertain my assumption can be read in the broadest meaning of
'we'. ;) —
TildalWave 3 mins ago