Abstract: Reflective factors are used in combination with a, one-time password (OTP) in order to strengthen a system's ability to prevent man in the middle (MITM) phishing attacks. These reflective factors may include information such as URL information, HTTPS, a server's certificate, a session key, or transaction information. These reflective factors help to ensure that a client that wishes to access a server is the legitimate client, because even if a phisher (including a phisher attacking the legitimate client in real time) records identifying information from the legitimate client, it cannot replicate the reflective information to authenticate itself with the server.

Abstract: A method for performing user security operations using a mobile communications device includes, storing at least one security credential for a user in the mobile communications device, receiving a request from a client computer to perform an action requiring the stored at least one security credential, wherein the request includes information regarding a service application for which the action is requested, determining a response to the request based upon at least one user configured personal security preference at the mobile communications device, and transmitting the determined response to the client computer. Corresponding system and computer program products are also described.

Abstract: A method for performing user security operations using a mobile communications device includes, storing at least one security credential for a user in the mobile communications device, receiving a request from a client computer to perform an action requiring the stored at least one security credential, wherein the request includes information regarding a service application for which the action is requested, determining a response to the request based upon at least one user configured personal security preference at the mobile communications device, and transmitting the determined response to the client computer. Corresponding system and computer program products are also described.

Abstract: A method for performing user security operations using a mobile communications device includes, storing at least one security credential for a user in the mobile communications device, receiving a request from a client computer to perform an action requiring the stored at least one security credential, wherein the request includes information regarding a service application for which the action is requested, determining a response to the request based upon at least one user configured personal security preference at the mobile communications device, and transmitting the determined response to the client computer. Corresponding system and computer program products are also described.