A multi-factor authentication scheme for remote authentication has been proposed in the paper which provides enough protection on personal credentials of the user. A critical analysis of the scheme shows that it can resist most of the possible attacks and is particularly useful at times of peak loads on servers. The scheme can easily integrate intoany framework offering Internet services to add security guarantee. The same has been brought out by integration with a multi-layered framework designed to handle peak loads on the server ensuring concurrency and availability as well. This integration is seen to clearly enhance the QoS in terms of making right admittance to right resources.
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