A computerized method is provided for generating passwords for password controlled access points. Provided are a master password, an access password, and a user name. The master password, the service name, and the user name are combined using an irreversible function to generate a unique password. The function can be a one-way hash function. The combining can be performed by a browser of a client computer. A similar combining can also be used to generate a user name from the master password and the user's real name.