A mobile terminal for securely communicating with a network includes a user identity module (UIM) and a user equipment module. The user equipment module includes a client application. The UIM is in operable communication with the user equipment and includes a password provisioning module (PPM), a password generating module, a response verification module (RVM) and a response generation module (RGM). The PPM is configured to store a password. The password generating module is in operable communication with the PPM and configured to generate the password. The RGM and RVM are in operable communication with both the client application and the PPM. The RGM is configured to generate an authentication response from the password in response to a request from the client application. The RVM is configured to verify a request for a server digest response and generate a verification result in response to a request from the client application.