With the use of smart phones for conducting personal and corporate business on the rise, the mobile user needs to ensure that business is taking place securely. Authentication is the key to verifying and protecting the intentions of the mobile user. Likewise, the mobile device can be used to generate OTPs to authenticate a user when eBanking or shopping remotely. The sheer amount of mobile users in the world makes it a natural choice for strong authentication solutions. This product category offers a variety of ways to leverage the mobile for eBanking and eCommerce authentication, including SMS technology, SIM cards and dedicated authentication applications on the phone. This results in a solution that has a significantly lower cost of ownership with improved user experience that can be used to authenticate multiple cards and online accounts.