An authentication interface system comprising: a server connected to a computer network; a user computer connected to the computer network; the user computer and the server programmed to send and receive information from each other over the computer network; the user computer programmed to receive and display a graphical interface sent by the server; wherein: the user computer sends user identification information to the server; the server sends a personalized graphical interface to the user computer in response to the identification information received from the user computer; and the user computer displays the personalized graphical interface received from the server thereby verifying the identity of the server; wherein the server is programmed to: send the personalized graphical interface to the user computer in response to receiving a user-name from the user computer, wherein the personalized graphical interface comprises a combination image that includes a user-specific image correlated to the user-name, and an entry interface; and randomly alter the file size of the combination image by padding extra values randomly to the combination image to prevent a fraudulent entity from accurately identifying the combination image. a server connected to a computer network; a user computer connected to the computer network; the user computer and the server programmed to send and receive information from each other over the computer network; the user computer programmed to receive and display a graphical interface sent by the server; wherein: the user computer sends user identification information to the server; the server sends a personalized graphical interface to the user computer in response to the identification information received from the user computer; and the user computer displays the personalized graphical interface received from the server thereby verifying the identity of the server; the user computer sends user identification information to the server; the server sends a personalized graphical interface to the user computer in response to the identification information received from the user computer; and the user computer displays the personalized graphical interface received from the server thereby verifying the identity of the server; wherein the server is programmed to: send the personalized graphical interface to the user computer in response to receiving a user-name from the user computer, wherein the personalized graphical interface comprises a combination image that includes a user-specific image correlated to the user-name, and an entry interface; and randomly alter the file size of the combination image by padding extra values randomly to the combination image to prevent a fraudulent entity from accurately identifying the combination image. send the personalized graphical interface to the user computer in response to receiving a user-name from the user computer, wherein the personalized graphical interface comprises a combination image that includes a user-specific image correlated to the user-name, and an entry interface; and randomly alter the file size of the combination image by padding extra values randomly to the combination image to prevent a fraudulent entity from accurately identifying the combination image.