6. The computer program product of claim 5 wherein the computer program code further comprises: instructions for providing an identity associated with the client to a security assertion markup language (SAML) server; instructions for retrieving an SAML artifact from the SAML server; and instructions for providing the SAML artifact to the widget for embedding by the presentation server in the remotely hosted Web page as a means of verifying the identity associated with the client.
5. A computer program product, stored on a non-transitory computer-readable medium and executed by one or more processor, authenticates a user prior to providing the user with access to secure online resources and provides a common user authentication experience across multiple Web pages, the computer program comprising: instructions for receiving a call at a presentation server in response to an execution of a seed file, wherein the seed file is associated with a remotely hosted Web page displayed at a client, wherein the client is accessible to the user, wherein the seed file is a flash file that is embedded in the remotely hosted Web page and configured to make calls to the presentation server; instructions for initializing a widget at the presentation server in response to the call, wherein the widget is a user display interface element that is loaded on the remotely hosted Web page by the presentation server; instructions for loading the widget from the presentation server onto the remotely hosted Web page; instructions for presenting the widget to the user on the remotely hosted web page, wherein presenting the widget on the remotely hosted Web page provides a common user authentication experience across multiple Web pages by providing a common user display interface element across multiple Web pages; instructions for receiving at the presentation server and from the user a request for a one-time password by the common user display interface element of the widget; instructions for generating a one-time password by the presentation server; instructions for sending the one-time password from the presentation server to an input device of a credit/debit card over a network connection by a simple mail transfer protocol, wherein the credit/debit card is accessible to the user and comprises the input device configured to receive messages by the simple mail transfer protocol and an output device configured to display information to the user; instructions for displaying the one-time password to the user on the output device allowing the user to view the one-time password; instructions for receiving, from the user, the one-time password by the common user display interface element; instructions for verifying, by the presentation server, that the one-time password received from the user matches the one-time password sent to the user; and instructions for providing, by the presentation server, the user with access to the secure online resources in response to the verifying.