A method, and an apparatus performing the method, is provided by authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator; providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and inputting, by a user, the PIE and a provider action, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network to authorize an action with a provider.