Abstract: A system for authenticating a mobile user's identity is disclosed. The user may be required to log in upon first launching a mobile application. Subsequent launches of the mobile application may not require the user to log in. Upon subsequently launching the mobile application, the mobile device may transmit a token validation request that includes a soft token stored at the mobile application. An authentication server may receive the request and transmit a one-time password to a device that has the phone number associated with the soft token. The authentication server may also transmit a session ID number. When the authentication server receives an identity validation response from the mobile device that includes the session ID number and the one-time password, the authentication server may output requested customer account information.