As for the application system or the user authentication scheme that is used in the system, various technologies including simple ID/PW, certificate, fingerprint/iris, phone, security card, and OTP are being used. But simple ID/PW and phone certification lack security features. As for the certificate, fingerprint/iris, and security card/OTP, the weakness in security has been quite strengthened, but there are costs and complexity involved to use these. This paper proposes a new measure of much safer and low-cost user authentication that improves the security level and uses mobile external storage media such as USB that people commonly have.