Software that creates a one-time passwords. One-time passwords can also be generated in software, instead of requiring a piece of hardware as in a token device. These are referred to as soft tokens and require that the authentication service and application contain the same base secrets, which are used to generate the one-time passwords.

Joan's two network engineers are in a passionate debate over the value of a soft token versus a hard token device. Which of the following best describes a soft token? - Software that creates one-time passwords - Software that creates passwords for users, also called a password generator - A time-based one-time password generating device - A dynamic password versus a static password