Abstract: A system and method for approving a transaction. The method for approving a transaction having the steps of inputting a user-name and a password corresponding to a user account, generating a random key, and generating a secure key. The step of generating the secure key is based on the password and the random key. The system for approving a transaction having means for inputting a user-name and a password corresponding to a user account, means for generating a random key, and means for generating a secure key. The means for generating the secure key having means for combining the password and the random key.

Abstract: A method and system for providing universal access to a service amongst a plurality of services capable of storing a plurality of service accounts, each corresponding to a customer and a service the customer is subscribed to, receiving a request from a customer for using a service, determining a service account upon identification of such customer and the requested service or its service provider, consulting confidential service account content corresponding to the service account, characterized in that consulting the confidential service account content having real-time communicating with the service provider, the service provider providing real-time access to the confidential service account content. The system including means is adapted to communicate real-time with the service provider.