To protect any resource in a system from an unauthorized entity, the authentication process is basic and the first line of defense.In this talk will try to discuss several authentication schemes that are available for user authentication or verification to solve the issue of secure authentication mostly enforcing an extra layer of security with two-factor or multi-factor authentication.We’ll present a propose solution SmartAuth, a secure and usable multi-factor authentication mechanism using contactless smart card and Android device on the web. The SmartAuth provides ownership base authentication system using Android device and contactless smart-card via NFC on the web. The SmartAuth is based on PKI and a proof of concept of the proposed authentication mechanism is also developed and a demo video will be presented.