A method of authenticating a USER, having an account with an Internet Service Provider, to a SERVICE PROVIDER using variable passwords, the method comprising:
- on behalf of the USER, the Internet Service Provider transmits a request to transact with the SERVICE PROVIDER to the SERVICE PROVIDER;
- the SERVICE PROVIDER creating a first folder containing a temporary sub variable character set for the Internet Service Provider and storing the first folder in a memory of at least one device, the temporary sub variable character set for the Internet Service Provider is comprised of a plurality of character units and character unit serial numbers, wherein each of the plurality of character units is associated with a unique character unit serial number;
- generating a first CALL using the temporary sub variable character set for the Internet Service Provider and creating a sub-folder within the first folder;
- the first CALL is comprised of two or more randomly selected character unit serial numbers selected from the temporary sub variable character set for the Internet Service Provider;
- the sub-folder contains a USER name, a temporary sub variable character set for the USER, a second CALL, and a message;
- the temporary sub variable character set for the USER is comprised of a plurality of character units and character unit serial numbers, wherein each of the plurality of character units is associated with a unique character unit serial number;
- the second CALL is comprised of two or more randomly selected character unit serial numbers selected from the temporary sub variable character set for the USER;
- and
- transmitting the first folder to the Internet Service Provider;
- the Internet Service Provider opening the first folder, in response to the first CALL, the Internet Service Provider enters a first password comprised of the character units associated with the character unit serial numbers of the first CALL;
- the Internet Service Provider transmitting the sub-folder to the USER;
- the SERVICE PROVIDER verifies the first password provided by the Internet Service Provider, the first password is verified by comparing the character units thereof against the character units associated with the character unit serial numbers of the temporary sub variable character set for the Internet Service Provider used for the first CALL and, upon verifying the first password, transmitting a second password that can be used to open the sub-folder to the USER;
- the USER opening the sub-folder after entering the second password provided by the SERVICE PROVIDER;
- the USER accessing a website of the SERVICE PROVIDER and entering the USER name retrieved from the sub-folder;
- the USER creating a second folder containing a third password for the second CALL retrieved from the sub-folder and storing the second folder in a memory of at least one device;
- and
- transmitting the second folder to the SERVICE PROVIDER;
- in response to receiving the second folder from the USER, the SERVICE PROVIDER verifies the USER name entered by the USER and the third password provided by the USER, the third password is verified by comparing the character units thereof against the character units associated with the character unit serial numbers of the temporary sub variable character set for the USER used for the second CALL;
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- authenticating the USER upon verifying the third password and the USER name entered.