In a system for disconnected authentication, verification records corresponding to given authentication token outputs over a predetermined period of time, sequence of events, and/or set of challenges are downloaded to a verifier. The records include encrypted or hashed information for the given authentication token outputs. In one embodiment using time intervals, for each time interval, token output data, a salt value, and a pepper value, are hashed and compared with the verification record for the time interval. After a successful comparison, a user can access the computer. A PIN value can also be provided as an input the hash function. A portion of the hash function output can be used as a key to decrypt an encrypted (Windows) password, or other sensitive information.