A user authentication information management method receives a meta-password from a user. A repository (34) lists network addresses (36) and associated handles (38), each handle having an associated encoded password. An authentication response from the user is intercepted. A modified authentication response is generated by identifying a network address to which the response is directed (208), searching for the identified network address (210) in the repository (34), identifying a handle (212) corresponding to the address based on the searching (210), decoding the password associated with the handle using the meta-password as a decoding key (214), and substituting the decoded password for the meta-password in the authentication response (216). The method also generates pseudo-random passwords (124) consistent with password rules (128). The repository (34) can reside on a client device (14), a proxy server, a local area network, or a security server having an Internet protocol (IP) address. The repository (34) can also be disposed at a database service.