Consumer internet authentication device

1. A method of allowing a user to authenticate to a subscribing site using an authentication service provider while isolating information associated with the user from the authentication service provider, the subscribing site and authentication service provider being network nodes connected to a communications network, comprising:

by the authentication service provider, maintaining an association between an authentication code source and information identifying the authentication code source, the authentication code source being an electronic device operative to generate authentication codes to be used when accessing services at the subscribing site, the authentication service provider maintaining no association for authentication purposes between the information identifying the authentication code source and any personal identifying information of the user;

by the authentication service provider in response to an activation request from a subscribing site, the activation request including the information identifying the authentication code source, generating a service user identifier associated with (i) the authentication code source as identified by the information identifying the authentication code source in the activation request, and (ii) the subscribing site, and providing the service user identifier to the subscribing site over the communications network;

by the subscribing site, creating an association of the service user identifier with the information associated with the user, and isolating the association within the subscribing site;

by the subscribing site, receiving an authentication code generated by the authentication code source from the user;

by the subscribing site, generating an authentication request and forwarding the authentication request to the authentication service provider over the communications network, the authentication request including the authentication code received from the user along with the service user identifier and information identifying the subscribing site; and

by the authentication service provider, in response to receiving the authentication request from the subscribing site, (1) identifying the authentication code source using the service user identifier and the information identifying the subscribing site included in the authentication request, (2) generating an authentication decision for the authentication code included in the authentication request with respect to the identified authentication code source, and (3) providing the authentication decision to the subscribing site over the communications network,

and further including delivering the authentication code source to the user, wherein delivering the authentication code source is performed by distributing the authentication code source unsolicited by both the user and the subscribing site.

2. The method of claim 1 , further comprising:

providing, from the user to the subscribing site, the information associated with the user along with the information identifying the authentication code source;

providing, from the subscribing site to the authentication service provider as part of the activation request, the information identifying the authentication code source as received from the user along with information identifying the subscribing site.

3. The method of claim 2 , further including storing, at the authentication service provider, a record of the service user identifier along with the information identifying the authentication code source and the information identifying the subscribing site.

4. The method of claim 2 , further including:

providing, from the user to at least a second subscribing site, information associated with the user along with information identifying the authentication code source, the second subscribing site being a network node on the communications network;

providing, from the second subscribing site to the authentication service provider over the communications network, the information identifying the authentication code source along with information identifying the second subscribing site;

generating, by the authentication service provider, a second service user identifier that is a predetermined function of at least the information identifying the authentication code source and the information identifying the second subscribing site;

providing, from the authentication service provider to the second subscribing site over the communications network, the second service user identifier; and,

creating an association of the second service user identifier and the information associated with the user, and isolating the association within the second subscribing site.

5. The method of claim 2 , further including:

providing, from at least a second user to the subscribing site, information associated with the second user along with information identifying an authentication code source;

providing, from the subscribing site to the authentication service provider over the communications network, the information identifying the authentication code source along with information identifying the subscribing site;

generating, by the authentication service provider, a second service user identifier that is a predetermined function of at least the information identifying the authentication code source and the information identifying the subscribing site;

providing, from the authentication service provider to the subscribing site over the communications network, the second service user identifier; and,

creating an association of the second service user identifier and the information associated with the second user, and isolating the association within the subscribing site.

6. The method of claim 2 , further including:

(i) providing, from the subscribing site to the authentication service provider over the communications network, information regarding a first relationship between the user and the subscribing site, in addition to the information identifying the authentication code source and the information identifying the subscribing site; and,

(ii) including the information regarding the first relationship between the user and the subscribing site in the generation of the service user identifier.

7. The method of claim 6 , further including:

providing, from the user to the subscribing site, information associated with the user along with information identifying the authentication code source;

providing, from the subscribing site to the authentication service provider over the communications network, the information identifying the authentication code source along with information identifying the subscribing site and information regarding a second relationship between the user and the subscribing site;

generating, by the authentication service provider, a service user identifier that is a predetermined function of at least the information identifying the authentication code source, the information identifying the subscribing site;

providing, from the authentication service provider to the subscribing site over the communications network, the service user identifier; and,

creating an association of the service user identifier and the information associated with the user, and isolating the association within the subscribing site.

8. The method of claim 2 , further including substituting an alternative service user identifier for the service user identifier originally generated, wherein the alternative service user identifier is generated using information identifying a different authentication code source along with information identifying the subscribing site.

9. The method of claim 8 , further including delivering the different authentication code source to the user.

10. The method of claim 8 , further including providing the alternative service user identifier to the subscribing site.

11. The method of claim 2 , further including providing a temporary authentication code corresponding to the authentication code source, by:

generating, by the authentication service provider, a temporary authentication code;

associating the temporary authentication code with one or more service user identifiers stored at the authentication service provider, such that subsequent authentications attempted with respect to the service user identifier are evaluated using the temporary authentication code and not an authentication code from the authentication code source.

12. The method of claim 11 , further including limiting validity of the temporary authentication code to a predetermined duration.

13. The method of claim 12 , wherein the predetermined duration of validity of the temporary authentication code is specific to each service user identifier.

14. The method of claim 2 , further including:

providing a replacement authentication code source to the user;

updating the service user identifier at the authentication service provider to be associated with information identifying the replacement authentication code source.

15. The method of claim 1 , further including allowing the user to log on to the subscribing site if the authentication decision indicates a valid authentication.

16. The method of claim 1 , further including allowing the user to utilize a function on the subscribing site if the authentication decision indicates a valid authentication.

17. The method of claim 1 , further including providing, from the user to the subscribing site, additional information related to user validity, and using the additional information for generating the authentication decision.

18. The method of claim 17 , wherein the additional information related to user validity includes at least one of (i) a personal identification number, (ii) a password, and (iii) biometric data associated with the user.

19. The method of claim 1 , further including requesting, from the subscribing site to the user, resubmission of the authentication code generated by the authentication code source if the authentication decision indicates an invalid authentication.

20. The method of claim 1 , further including providing, from the subscribing site to the authentication service provider, additional information regarding a relationship between the user and the subscribing site.

21. The method of claim 1 , further including storing, at the authentication service provider, information regarding the authentication decision, and providing the stored information to the subscribing site in response to a request from the subscribing site.

22. The method of claim 21 , wherein the subscribing site uses the stored information provided by the authentication service provider to verify a transaction executed by the user.

23. A method of regulating activities of a user on a subscribing site, comprising:

performing the method of claim 1 , wherein the authentication code is received at the subscribing site from the user as part of a request by the user for permission to perform an activity, and

at the subscribing site, granting permission for the user to perform the activity if the authentication decision indicates successful authentication, and denying permission for the user to perform the activity if the authentication decision indicates unsuccessful authentication.

24. The method of claim 1 , wherein generating the service user identifier includes perform a cryptographic hash of (i) the information identifying the subscribing site, (ii) a unique identifier associated with the authentication code source and (iii) a dynamic value.