Systems and methods for authenticating a user at a public terminal

A method for authenticating a user to access a public terminal, the public terminal having a terminal identifier, the method comprising:

• receiving, at a secure server, a user identifier of a physical credential device;
• generating a unique code by the secure server, based on the terminal identifier and the user identifier;
• receiving, at the secure server, a photograph from a mobile phone, the photograph comprising a representation of the unique code;
• responsive to determining that the received photograph corresponds to the unique code, providing a user profile to the mobile phone, the user profile being based on the user identifier and comprising an identification of a password interface;
• receiving, from the mobile phone, password input data corresponding to the identified password interface;
• determining that the password input data matches a password of the user profile;
• and
• responsive to a determination that the password input data matches a password of the user profile, transmitting by the secure server to at least one of the mobile phone or the terminal, an indication that the user is authenticated for access to the public terminal.