Abstract: A method and system for activating a user account and digitally securing electronic transactions is disclosed. The method and system includes the steps providing a code and PIN, requesting the PIN, transmitting the PIN and code together to an authentication server, authenticating the code and PIN, flagging a status of a user's account as “on”, transmitting the status of the user's account to a client server, allowing a digital transaction to proceed on the client server if the status of the user's account is “on”, and disallowing a digital transaction to proceed on the client server if the status of the user's account is “off”. Once activated, the user may toggle their account “on” and “off” via a mobile device in order to provide an additional layer of security in order to complete transactions.