Abstract: A system, process and methods for providing secure point of sale and financial transaction authorization, secure party-to-party financial transaction authorization and secure internet transaction authorization using a multi-layer security mechanism aimed at thwarting fraud. A procedure of involving computer system to be utilized with a mobile network to create a secure self-provisioned registration process that will enable creating a secure profile of users that can be subsequently used for logging into a network for transactions in a uncompromised manner.