Abstract. Due to rapid growth of online applications, it is needed to provide such a facility by which communicators can get the services by applying the applications in a secure way. As communications are done through an insecure channel like Internet, any adversary can trap and modify the communication messages. Only authentication procedure can overcome the aforementioned problem. Many researchers have proposed so many authentication schemes in this literature. But, this paper has shown that many of them are not usable in real world application scenarios because, the existing schemes cannot resist all the possible attacks. Therefore, this paper has proposed a three factor authentication scheme using hash function and fuzzy extractor. This paper has further analyzed the security of the proposed scheme using random oracle model. The analysis shows that the proposed scheme can resist all the possible attacks. Furthermore, comparison between proposed scheme and related existing schemes shows that the proposed scheme has better trade-off among storage, computational and communication costs.