Abstract

A method of securing authentication of a user's identity is disclosed. The method comprises the steps of: an authentication program of an entity receiving initiation of a transaction from a user; the authentication program searching for associated information of the user; the authentication program choosing an authentication query requiring input from the user based on the associated information; the authentication program generating a visual code representing the authentication query; the authentication program splitting the visual code into pieces; and the authentication program sending each piece of visual code to the user via a separate communication channel. A method of securing authentication of a user's identity with an entity is also disclosed.