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This paper describes a method of implementation of Two Factor Authentication using Mobile handsets. This two factor authentication is based on Time Synchronous Authentication using the RFC1321 MD5 Message Digest Algorithm of Epoch Time, Personal Identity Number (PIN) and Init-Secret. The password generated would be One Time Password (OTP) which would be valid for 60 seconds only after which it expires and the user can not login through that password. The proposed method has been implemented and tested using J2ME OS based mobile Handsets. It can easily be further extended to Android based Handsets also.
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