The player with the most as a player is Charles Haley, who won 5 as a player on three teams. Mean Joe Greene is one of several players with 4 player rings, and 2 more as a member of the Pittsburgh Steelers staff.
The individuals with the most rings:
Other contributors have listed:
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Bart Starr
Mike Ditka won three Super Bowl rings, one as a player for the Dallas Cowboys in Super Bowl VI, one as an assistant coach for the Dallas Cowboys in Super Bowl XII, and one as the head coach of the Chicago Bears in Super Bowl XX.
Bob Griese
No, an NFL player does not have to play in the Super Bowl to get a Super Bowl ring. In fact, he doesn't even have to be on the active roster of the winning team. The NFL allots 150 rings for the winning team to distribute as it wishes. Also, the winning team often purchases more rings to distribute to people beyond the 150 allotment. These rings are mementos of the Super Bowl win and typically include the team name, year, Super Bowl number, player name, and uniform number.
See the Related Link for pictures of the Super Bowl rings.