Providing user authentication services using mobile debit and credit card authentication services, utilizing a proprietary, cryptographically secure algorithm, which generates a unique, random 3 digit card verification value (CVV) number for secure, real time, user authentication for every enabled debit / credit card for brick and mortar transactions and for e-commerce transactions

'3':24 'algorithm':18 'authent':3,11,36 'brick':44 'card':10,26,42 'commerc':52 'credit':9,41 'cryptograph':16 'cvv':29 'debit':7,40 'digit':25 'e':51 'e-commerc':50 'enabl':39 'everi':38 'generat':20 'mobil':6 'mortar':46 'number':30 'proprietari':15 'provid':1 'random':23 'real':33 'secur':17,32 'servic':4,12 'time':34 'transact':47,53 'uniqu':22 'use':5 'user':2,35 'util':13 'valu':28 'verif':27

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