A method of operating a security server to securely transact business between a user and an enterprise via a network includes receiving, at the security server from an enterprise with which the user is currently connected via the network, a request of the enterprise to activate a secure communications channel over the network between the user and the security server. The request includes contact information for contacting the user via other than the network. The security server, in response, transmits an activation code for delivery to the user via other than the network and in a manner corresponding to the received contact information. The security server receives, from the user via the network, an activation code and compares the received activation code with the transmitted activation code to validate the received activation code. The secure communications channel is then activated based on the validation of the received activation code.
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