US Patent 8112817 User-centric authentication system and method

A system for authenticating a user in a network. The authentication system includes a computer resource having secure data, an authentication computing system providing dynamic authentication of a user accessing the computer resource, and a user communication device for communicating between the user and the computer resource. The computing system presents a challenge for which a specified response is required based upon a pre-determined function. Access is then granted by the computing system upon providing the correct response to the presented challenge by the user.