A system and method for preventing interception and decryption of information by an unauthorized party when that information is transmitted over a network is provided. A token is used to encrypt one-time password that is different for each network session, to prevent decryption thereof. The encrypted one-time password is returned to a network server for authentication by the server. The network server generates its response in a similar fashion. The server compares its response to the one-time password, to determine if they match. If they match, then the client is granted access to the network. If they responses do not match, then the client is denied access to the network by the server.