Online authentication systems and methods

An authentication method comprising:

• instantiating, by at least one virtualization system processor, a virtual desktop;
• authenticating, by the at least one virtualization system processor, a user of a client device;
• in response to authenticating the user of the client device, placing, by the at least one virtualization system processor, the client device in communication with the virtual desktop through at least one network;
• launching, by the at least one virtualization system processor, a secure browser in the virtual desktop;
• using the secure browser, placing, by the at least one virtualization system processor, the client device in communication with a server through the at least one network;
• performing, by at least one server processor, processing in response to at least one command from the client device sent through the secure browser of the virtual desktop, the processing including:
• generating a one-time passcode,
• establishing a code word not communicated through the at least one network, and
• sending a message including the one-time passcode to a sender client device;
• confirming, by the at least one server processor, entry of the one-time passcode and the code word by a user of the sender client device;
• and
• in response to confirming the entry, providing, by the at least one server processor, wire transfer instructions to the sender client device.