A vehicle includes an on board microprocessor that is programmed to receive and transmit multiple authentication factors or a key derived therefrom to a remote server to authenticate the vehicle or a vehicle occupant to a remote server. The multiple authentication factors comprise a plurality of an electronic address of a portable communication device of the occupant sensed by an on board sensor, a wireless remote signal description sensed by an on board sensor, a vehicle-related identifier, a vehicle parameter sensed by the on board processor, an environmental parameter sensed by the on board processor, and a passcode received by the microprocessor from the remote server.