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In this paper, we propose a new user authentication (UA) scheme based on one-time password (OTP) protocol using smart cards for home networks. The proposed scheme is to authenticate home users who uses home devices. Several techniques using technology based on biometrics, passwords, certificates, and smart cards can be used for user authentication in the similar environments. However, such user authentication techniques must be examined before being employed in an environment where home devices have low efficiency and performance. Here, we present the important security functions of home networks. The proposed authentication protocol is designed to accept the existing home networks based on the one-time password protocol. Also, it is a well suited solution and is quite satisfactory in terms of the security requirements of home networks, because of requiring low computation by performing simple operations using one-way hash functions. Our proposed scheme can protect against illegal access for home services and devices and does not allow unnecessary service access by legitimate users. Therefore, it allows the user to provide real-time privilege control and good implementation in secure home networks.