Abstract: A process is disclosed for authorizing a user's access to a limited access network. The process comprises sending an encrypted server random number to a previously registered user. If the user can demonstrate an ability to successfully decrypt the server random number, the user is authenticated and access is authorized. The process further comprises an encrypted user random number. Encryption of the user random number comprises the use of a server-controlled value. The web server's ability to return to the user a decryption of the encrypted user random number serves as confirmation that the web site is legitimate. In a preferred embodiment all communications of login values between the user and the web server are encrypted. In an embodiment a user is provided with a key for encrypting user random numbers and for decrypting server random numbers. The key may be automatically updated on a predetermined schedule.

Abstract: A process is disclosed for authorizing a user's access to a limited access network. The process comprises sending an encrypted server random number to a previously registered user. If the user can demonstrate an ability to successfully decrypt the server random number, the user is authenticated and access is authorized. The process further comprises an encrypted user random number. Encryption of the user random number comprises the use of a server-controlled value. The web server's ability to return to the user a decryption of the encrypted user random number serves as confirmation that the web site is legitimate. In a preferred embodiment all communications of login values between the user and the web server are encrypted. In an embodiment a user is provided with a key for encrypting user random numbers and for decrypting server random numbers. The key may be automatically updated on a predetermined schedule.