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Guomin Yang Duncan S. Wong Huaxiong Wang Xiaotie Deng Formal Analysis and Systematic Construction of Two-Factor Authentication Scheme (Short Paper). 82-91 2006 conf/icics/2006 ICICS http://dx.doi.org/10.1007/11935308_7 db/conf/icics/icics2006.html#YangWWD06