An end-to-end client server system and related method for use in conjunction with mobile terminals. A client application on a mobile terminal is configured to remotely access a backend server via a gateway system. The mobile terminal includes a client application configured to generate a one time password using secret information and a password library, both known only to the client application and a verification component of the gateway system. The one time password provides an additional level of security, which is user dependent and not network dependent.