Abstract: A method for implementing a financial transaction via a user device is disclosed. The method involves receiving financial transaction information used to generate an alphanumeric Secure Transaction Code that binds the received information to the financial transaction, receiving information from a user device that includes the Secure Transaction Code and a voice entry of the Secure Transaction Code, verifying that the voice entry of the Secure Transaction Code corresponds to a Voice Authentication Master (VAM) file of a registered user, verifying that the received Secure Transaction Code is a valid Secure Transaction Code and, if both are verified authorizing the financial transaction and sending an indication that the financial transaction has been authorized to the user device. In an embodiment the transaction is between a merchant and user of a mobile user device or can be a request for secure access.