Patent ID: 7606560

Claim:
A method, comprising: authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator; providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and providing an authentication function upon a user attempting an access to a provider as an action with the provider, the provider including a physical environment, a computer system, or any combinations thereof, according to one or more authentication services including an authentication service of: receiving by the STS, a provider authentication request, in response to the user attempted access to the provider computer system, transmitting by the STS a transaction token to the provider computer system, in response to the received provider authentication request, inputting, by a user, the PIE and the transaction token, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network as a user authorization of the action with the provider, based upon the PIE, the transaction token and the authentication parameter, verifying, by the STS, the provider authentication request and the user authorization to access the provider, transmitting, by the STS, a user authentication result to the provider computer system, according to the verifying, and authorizing the user access to the provider computer system, according to the user authentication result transmitted from the STS.