As individuals increasingly engage in different types of transactions they face a growing threat from, possibly among other things, identity theft, financial fraud, information misuse, etc. and the serious consequences or repercussions of same. Leveraging the ubiquitous nature of wireless devices and the popularity of (Short Message Service, Multimedia Message Service, etc.) messaging, an infrastructure that enhances the security of the different types of transactions within which a wireless device user may participate through a Second Factor Authentication facility. The infrastructure may optionally leverage the capabilities of a centrally-located Messaging Inter-Carrier Vendor.