Packet telephony devices with encryption keys are configured to enable authentication systems and methods for increasing the security of online account access and transactions. The instant disclosure leverages the security in customer equipment hardware such as a terminal adaptor (TA) or router to authenticate a web transaction. A packet telephony device has an encoded encryption key. The encryption key may be used with a display, a user actuable trigger or in a secure connection with a web-enabled device to authenticate a user or a website.