Abstract: A method and apparatus for providing and using a variable format, configuration and location keyboard image which enables a digitizing device to present a different keyboard configuration and/or location to each user so that detection by an unauthorized viewer of a personal identification number (PIN) or other secret identification number during entry will become significantly more difficult. The presentation may include a random or scrambled keyboard entry image for each customer, and a single or set of customer preselected images that will be tied to the customer's account number which is read from the magnetic strip on a personal card. In addition to the keyboard, the device provides a single write surface for capturing a signature entry so that the two security features are incorporated in a single device.