Patent ID: 8752125

Claim:
An authentication method comprising: requesting a user of a personal mobile terminal to enter a personal code into the personal mobile terminal in response to receipt of an authentication request transmitted to the personal mobile terminal, the authentication request including transaction data of an action that requires user authentication; displaying the transaction data on a display of the personal mobile terminal to enable the user to apprehend that the authentication request validly relates to transaction details of the action; and processing an entered personal code together with challenge data derived from the transaction data contained in the authentication request to determine whether one or more predetermined conditions are met and, if one or more predetermined conditions are met including that the personal code is correct, producing a valid and signed authentication code from the challenge data that the user can provide in order to authenticate the action; whereby the transaction data which is displayed on the display of the mobile terminal is tied to said valid and signed authentication code and the authentication code is also tied to the user through entry of the correct personal code.