@misc{cryptoeprint:2012:148,
author = {Michael Scott},
title = {Replacing Username/Password with Software-Only Two-Factor Authentication},
howpublished = {Cryptology ePrint Archive, Report 2012/148},
year = {2012},
note = {\url{http://eprint.iacr.org/}},
}
You will need the url.sty package (comes with most LaTeX installations) for the last line. Otherwise, remove the \url command.