A Usable and Secure Two-Factor Authentication Scheme

This article may be used for research, teaching, and private study purposes. Any substantial or systematic reproduction, redistribution, reselling, loan, sub-licensing, systematic supply, or distribution in any form to anyone is expressly forbidden. The publisher does not give any warranty express or implied or make any representation that the contents will be complete or accurate or up to date. The accuracy of any instructions, formulae, and drug doses should be independently verified with primary sources. The publisher shall not be liable for any loss, actions, claims, proceedings, demand, or costs or damages whatsoever or howsoever caused arising directly or indirectly in connection with or arising out of the use of this material. ABSTRACT There are many secure authentication schemes that are secure but difficult to use. Most existing network applications authenticate users with a username and password pair. Such systems using the reusable passwords are susceptible to attacks based on the theft of password. Each scheme has its merits and drawbacks (Misbahuddin, Aijaz Ahmed, & Shastri, 2006). To overcome the susceptibility in the existing applications, there is an authentication mechanism known as Two-Factor Authentication. Two-Factor Authentication is a process used to authenticate or verify the identity of a person or other entity requesting access under security constraints. It is a system wherein two different factors are used in conjunction to authenticate. Using two factors as opposed to one factor generally delivers a higher level of authentication assurance. The proposed scheme allows users to freely choose their PassFile (file password) instead of remembering the password, eliminating the problem of entering the reusable password and remembering the password. In this scheme, we proposed an efficient scheme for remote user authentication. It does not maintain verifier table and allows the user to freely choose and change their passwords. The proposed scheme provides best usability for the user in terms of PassFile without changing the existing protocol. This approach uses a smart card and is secure against identity theft, guessing attack, insider attack, stolen verifier attack, replay attack, impersonation attack, and reflection attack. The proposed achieves the mutual authentication essential for many applications. system; h(.): one-way hash function using bit wise XOR operation; A = >B:M: sends M to B through a secure channel; and A B: M: A sends M to B through a common channel.