Signature isn't something you are, it's not in any of those three categories, it's closer to your address. Chip + pin = Something you carry (card/chip) + somet

Signature isn't something you are, it's not in any of those three categories, it's closer to your address. Chip + pin = Something you carry (card/chip) + something you know (pin). You need the physical card to use it, card number isn't sufficient.