A system for providing authentication is disclosed. The system includes a server configured to present an image to the user via a computer, the image having information embedded therein, and a portable device configured to: allow the user to capture the image, store predetermined information, capture input information from the user, the input information to be used to ensure that the user is authorized to use the portable device, and generate an output based on the information embedded in the image and the predetermined information. The server is further configured to receive the output from the portable device and authenticate the user based on the output. Once the user is authenticated, the user is allowed to access a website via the computer to conduct a transaction with respect to an account associated with the user.

 
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