Abstract: A method, apparatus and/or system generates a challenge for user authentication, having a challenge data element from a stored pool of challenge data elements. The challenge is based on rule data and stored usage data associated with at least some of the challenge data elements in the stored pool of challenge data elements. The generated challenge is sent for use in an authentication of a user to a sender. A method, apparatus and/or system also generates sender authentication and corresponding location information, having a data element from a stored pool of challenge data elements. Selection of the data elements is based on rule data and stored usage data associated with at least some of the data elements in the stored pool of data elements.

Abstract: A method for providing electronic message authentication employs an article, such as a card, sticker, or any other suitable article, that includes sender authentication information and location information such as row and column headings. In one example, each recipient of interest is issued an article that embodies unique sender authentication information that is identifiable by corresponding location information such as column and row identifiers. In both an apparatus and method, when the sender of an electronic message wants to send a message to a recipient of interest, the sender sends the electronic message and both location information and corresponding desired sender authentication information located at the coordinate identified by the location coordinate information. If the sent desired sender authentication information matches authentication information found on the article, the sender of the message is trusted.