Abstract: A system and method for authenticating an online user by using different and independent communication services to enhance security. A key server validates the factors of authentication, namely a first factor (username/password) and a second factor (key). The key server generates and sends the key to the user with a different and independent communication service, e.g., telephone, SMS or email. The user then submits the key using the online communication service. A third factor, e.g., a second password or a biometric symbol of the user, can also be used. Validation of the biometric symbol can be a prerequisite to delivery of the key to the user. A plurality of the independent services can be daisy-chained.