AUTHENTICATION USING APPLICATION AUTHENTICATION ELEMENT

摘要

Embodiments of the present invention can be directed to systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks and systems or proximity near field communications systems. Embodiments may be directed to a mobile communication device displaying an application authentication element including a pre-selected authentication element. The application authentication element may further include transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may then be received by the mobile communication device from the user. The mobile communication device may then generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted using an application on the mobile communication device.