Mobile Account Authentication Service

A method comprising:

• communicating with a requesting party computer, by an Internet-capable mobile device of a user, the requesting party computer thereafter communicating with a trusted party computer to determine if authentication can be performed with the Internet-capable mobile device;
• receiving, by the Internet-capable mobile device from the requesting party computer, an authentication request message from the requesting party computer;
• transmitting, by the Internet-capable mobile device, the authentication request message to a trusted party computer;
• receiving, by the Internet-capable mobile device, a request for an authenticating token;
• receiving, by the Internet-capable mobile device, the authenticating token from the user;
• transmitting, by the Internet-capable mobile device, the authenticating token to the trusted party computer;
• receiving, by the Internet-capable mobile device, an authentication response message from the trusted party computer;
• and
• transmitting, by the Internet-capable mobile device, the authentication response message to the requesting party computer.

An Internet-capable mobile device of a user, comprising:

• a processor;
• and
• a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising:
• communicating with a requesting party computer, by the Internet-capable mobile device of a user, the requesting party computer thereafter communicating with a trusted party computer to determine if authentication can be performed with the Internet-capable mobile device,
• receiving, by the Internet-capable mobile device from the requesting party computer, an authentication request message from the requesting party computer;
• transmitting, by the Internet-capable mobile device, the authentication request message to a trusted party computer,
• receiving, by the Internet-capable mobile device, a request for an authenticating token,
• receiving, by the Internet-capable mobile device, the authenticating token from the user,
• transmitting, by the Internet-capable mobile device, the authenticating token to the trusted party computer,
• receiving, by the Internet-capable mobile device, an authentication response message from the trusted party computer, and
• transmitting, by the Internet-capable mobile device, the authentication response message to the requesting party computer.

A method comprising:

• receiving, by a requesting party computer, a communication from an Internet-capable mobile device of a user to conduct a transaction;
• communicating, by the requesting party computer with a trusted party computer, to determine if the Internet-capable mobile device is capable of being used in an authentication process, the trusted party computer thereafter authenticating the user;
• transmitting, an authentication request message to the trusted party computer;
• receiving, by the requesting party computer, an authentication response message from the trusted party computer;
• and
• initiating, an authorization process for the transaction after receiving the authentication response message.