A system including a server system, a user terminal and a hardware token, for providing secure access to a data record. The server system comprises storage means (1) for storing a plurality of data records, a data record (2) having associated therewith a sequence of secrets (14) shared with a hardware token (60) corresponding to the data record (2), the server system (100) further being arranged for storing user authentication information (3). User authenticating means (10) are provided for receiving authentication credentials (11) of a user from a user terminal (200) and authenticating the user as an authorized user, based on the authentication credentials (11) of the user and the stored authentication information (3). Secret-receiving means (9) are provided for receiving a representation of a secret (13) revealed by a hardware token (60) and information identifying the data record corresponding to the hardware token from the terminal. Marking means (12) are provided for marking the unused secret (s3) as used.