This article covers the steps for authenticating an user without referring to the clientConnect.conf and serverConnect.conf files.
Smarts 10.1.X
You can create user accounts directly into the SAM repository. However, passwords are not stored in the rps file, but are kept in the client and serverConnect.conf files.
Therefore, you cannot completely by-pass these files for authentication unless you have the following setup:
*:*:<PROMPT>:<PROMPT>
*:*:<SYS>:Monitor
dmctl -s <SAM> create ICS_User::ICS-User-<usrname>