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In Mobile networks the user's location, passwords might be used as authentication factor to provide security services for remote client authentication. In addition there are many typical authentication factors. In Location based Remote client Authentication Protocol for mobile environment (LRAP), combines several authentication factors to securely authenticate a mobile user. In LRAP, the user's location can be determined by a third party used by user's mobile for secure payment operations. This paper is to investigate a systematic approach to generate an encrypted data to real user mobile number along with decrypting key as SMS only when the location of credit card matches with the location of user's mobile in order to avoid unauthorized access of credit card.
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