A system and method stores inquiry data, such as data representing questions or forms containing questions, to facilitate entry of shared authentication data for initialization. The stored inquiry data is retrieved for presentation, in audible or visual form, based on received entity identification data entered, for example, by a user or otherwise obtained by a processing or entity seeking initialization. As such, the system and method produces an entity that, for example, first asks a user for identifying information. The entity identification information, such as an employee number, or other information, is then provided to the entity. This information is then sent to a processing unit, such as a certification authority or other server. The processing unit determines what questions must be asked of the user to identify the user for initialization purposes. These questions are returned to the terminal for application wherein they are presented to the user. Once the information is collected, the various responses are concatenated together to form one data object which is then used to identify the individual. The responses to the questions may be communicated in any type of PAKE type protocol, or any other suitable protocol.