Method and apparatus for dynamic authentication

One embodiment provides a token for dynamically authenticating a user. The token includes a memory for storing secure data; a processor for calculating 5 authentication credentials of the user based on the secure data, and for constructing a server address based on the authentication credentials. Also included is a transmitter for transmitting the server address to a host controller wherein the host controller is configurable to communicate with a remote server locatable at the server address such that the user is dynamically authenticated 10 on the remote server using the authentication credentials. Figure 2 a1 > , ai tn -o Uj / > (U oA L Iq 0 - I}