an anti - fraud token system is disclosed in which the authentication process is performed primarily on the client side . a client according is provided with an authentication list of websites for which authentication is required , and their respective authentic addresses . the client also asks a user to select a token , which may include graphics , text , and / or sound . when the user accesses an information source from the authentication list , the client notes that the address which the user is accessing is on the list . the client then displays the token as previously selected by the user to the user along with the accessed information , so that the user knows that the information he / she is accessing is authentic .