The user and password properties are authentication properties that identify the user and associate the user with the smart card's PIN. To set these properties, you must know the user's login name and password.
On systems that use the default authentication mechanism of PIN, ocfserv verifies the authenticity of the PIN. Next, ocfserv reads the user and password properties on the card. If the password on the smart card matches the user's entry in the system's password database, ocfserv gives the user access to the application.