the present invention relates to apparatus and method utilizing a mobile terminal as a tool for secure authentication and electronic payment . a random id code is passed through a circle path to verify the nodes along the path . if the rid sent back matches the one generated for the current transaction , the user is authenticated and the transaction is approved for further action . the user &# 39 ; s account server generates a random id code when a transaction request is received . this rid will be passed to the user &# 39 ; s mobile terminal and then passed to the terminal where the user request access or purchasing . the terminal will send the rid back to the account server . if the rid received and the original rid generated for this transaction matches the user is authenticated . the rid can also be passed through a reverse direction .