the transaction provider is responsible for the additional authentication enforcement and supports the pending or setup stage as well as the activate of execute stage referring to fig3 at s 11 the customer at a computing device 10 with a browser logs on for example the financial institution 39 s home banking portal server 14 and selects a sensitive transaction task such as a wire transfer is redirected to a financial institution transaction server 22 enters information to set up the transaction and is informed that a one time activation code i e secure transaction code will be emailed to the customer referring further to fig3 at s 12 the transaction server 22 carries on a dialog with the customer to set up the wire transfer and pends the transaction to a database at s 13 the transaction server 22 generates stores and sends the one time activation code to a financial institution alert message server 16 for delivery to the customer 39 s email address at s 14 the alert message server 16 sends the one time code to the customer 39 s email address if the email address has not recently changed at s 15 the customer at the customer 39 s computing device 10 receives the email with the one time code fig4 is a flow chart that illustrates an example of the activation stage of the transaction provider enforced one time authentication code aspect process for embodiments of the invention referring to fig4 at s 16 the customer at the computing device 10 with the browser logs on the financial institution 39 s.