The "something you are" factor relies on inherent physical characteristics of the user. An iris scan pattern is a biometric measurement that uniquely identifies an individual, therefore satisfying the inherence factor. A smart card represents "something you have" because it is a physical object in the user's possession. A six-digit PIN is "something you know" because it is memorized information, and an SMS one-time password is also "something you have" because it depends on possession of the registered mobile device. Only the biometric iris scan directly reflects the user's own physical trait.
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