Abstract
As part of the security within distributed systems, various services and resources need protection from unauthorized use. Remote authentication is the most commonly used method to determine the identity of a remote client. This paper investigates a systematic approach for authenticating clients by three factors, namely password, smart card, and biometrics. A generic and secure framework is proposed to upgrade two-factor authentication to three-factor authentication. The conversion not only significantly improves the information assurance at low cost but also protects client privacy in distributed systems. In addition, our framework retains several practice-friendly properties of the underlying two-factor authentication, which we believe is of independent interest.