1. A method of operating a security server to securely transact business between a user and an enterprise via a network, comprising: 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, wherein the request includes contact information for contacting the user via other than the network; transmitting, by the security server in response to the received activation request, an activation code for delivery to the user via other than the network and corresponding to the received contact information; receiving, at the security server from the user via the network, an activation code; comparing, at the security server, the received activation code with the transmitted activation code to validate the received activation code; and activating the secure communications channel based on the validation of the received activation code.