This document discusses and compares various user authentication techniques. It analyzes one-time password authentication using smart phones (oPass), 3D password authentication using a virtual environment, and smart card-based authentication. oPass requires the user to remember only a long-term password for their phone, while the website generates one-time passwords via SMS. 3D passwords combine multiple authentication methods by having users navigate and interact with virtual objects. Smart card authentication does not store passwords in verification tables and allows password changes for mutual authentication. The document examines the advantages and disadvantages of these approaches.