Abstract
OTP(One Time Password) is for user authentication of Internet banking and users should carry their security card or OTP generator to use OTP. If they lost their security card or OTP generator, there is at risk for OTP leak. This paper suggests a new User Authentication Framework using personal health information from diverse technology of u-Health. It will cover the problem of OTP loss and illegal reproduction A User Authentication Framework is worthy of use because it uses various combinations of user`s physical condition which is inconstant. This protocol is also safe from leaking information due to encryption of reliable institutes. Users don`t need to bring their OTP generator or card when they use bank, shopping mall, and game site where existing OTP is used.
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