Abstract: The present matter relates generally to the matter of authenticating users for login to websites and web applications to use a computer service. More specifically the matter of using a communication device such as a smartphone and NFC-based token as a two factor authentication solution for authenticating to use computer services such as logging into websites and web applications. The matter also pertains to the automated generation as well as storing of online user credentials to the user's communication device, encrypting them using a unique identifying code stored on an NFC-based token, or other wireless token that is proximate, and the automated process of supplying those credentials to a paired computer for the purposes of automatic login.