Disclosed is a computer implemented method and apparatus to retrieve authentication records required for user validation and creation of authentication credentials from an authentication server to be passed to the user. The method is comprised of the authentication server storing a first authentication record, then generating a first authentication credential based on the first authentication record. The authentication server associates the first authentication record with a first credential expiration time. The authentication server stores a second authentication record. The authentication server generates a second authentication credential based on the second authentication record, wherein the second authentication credential is associated with a second credential expiration time. Next, the authentication server associates the second authentication credential with a second credential expiration time. The authentication server determines that the first credential expiration time is earlier than the second credential expiration time and caches the first authentication record to cache.