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.