The most common use of a smart card is to replace the standard Windows username and password with a smart card and PIN. Microsoft natively supports the use of digital certificates stored on a smart card as a secure method for domain authentication. This greatly enhances the security of managing weak passwords and provides a mechanism to automatically lock or log out a workstation when the user is finished with the session.
Windows clients present the option of entering pressing CAD and entering a password, or inserting a smart card. Once a smart card is inserted, the user is only required to supply a PIN. The username is carried by the certificate on the smart card, so the login process is simplified.

The user’s PIN is protected by the card itself. Subsequent attempts with the incorrect PIN will lock the card, therefore making this method of authentication non-susceptible to brute force attacks. Depending upon policy, locked cards may be presented to security officer to be unlocked, or the user must satisfy a challenge/response mechanism.