A mechanism is provided for storing user identifications and passwords in a mobile device, such as a personal digital assistant. A modified keyboard device driver may be installed on each platform the user accesses. When the user is prompted for a password from a functioning terminal, the user may select the appropriate account on the mobile device. The mobile device then may send the user identification and password for the account to the terminal. The modified keyboard device driver receives the user identification and password from the mobile device and converts it into keyed text. The accounts with user identifications and passwords may be protected by a password. Thus, the user must only remember the one mobile device password to access a plurality of resources and computer systems. Furthermore, the communications between the mobile device and terminal may be encrypted to prevent snooping.