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In this article, the authors have proposed a secure two-factor remote user authentication and session key agreement protocol. As they have shown in the presented scheme, is precise and secure according to both formal and informal security analysis. For formal security analysis, they have applied BAN (Burrows-Abadi-Needham) logic which certifies that the presented scheme provides the amenity of mutual authentication and session key agreement safely. The informal security verification has showndoi:10.4018/ijbdcn.2016070104 fatcat:5uyfx3m3tjcahmmpvwv7lr74me