Reliable user authentication is becoming an increasingly important task in the Web-enabled world. The consequences of an insecure authentication system in a corporate or enterprise environment can be catastrophic, and may include loss of confidential information, denial of service, and compromised data integrity. The value of reliable user authentication is not limited to just computer or network access. Many other applications in everyday life also require user authentication, such as banking, e- commerce, and physical access control to computer resources, and could benefit from enhanced security.