Darbe nagrinėjama galimybė panaudoti lustinę kortelę saugoti vartotojo prieigos duomenis. Analizuojami raktų apsikeitimo protokolai DH-EKE, SRP. Taip pat nagrinėjama saugaus ryšio technologija TLS. Pasiūlomas konkretus autentifikavimo protokolas skirtas naudoti su lustinėmis kortelėmis. Atliekamas protokolo saugumo, greitaveikos tyrimas. / In this paper we research the possibility to use smart card as a secure storage to store user access data. We study such key exchange algorithms as SRP, DH-EKE. Also TLS technology is studied in order to gain better understanding how to establish secure connection between two communication points. Then we propose an authentication protocol which was specifically designed to be used with smart cards. Performance and other properties of the protocol are analysed in the last chapters of this paper.