A strong, unified and comprehensive new computer security and authentication solution is disclosed. It is ideal for everyday users, and invents faster and easier enrollments, faster usage, easier usage, numerous aspects of stronger security including token based rapid mutual-authentication with protection against phishing, MitM, malware and user carelessness, secure resilience against token loss or theft, continuing protection in harsh situations, non-repudiation benefits, biometric encryption, code self-defenses, improved deployment, lower costs, new revenue opportunities, and more. One aspect's flow, visually-enforced mutual-authentication is: customer visits protected web site's login page, gets identified via Cookies, site displays one random photograph on said page, triggers customer's smartphone to automatically show a grid of random photos, one of which matches the login page photo, and customer taps it to login. Disclosed techniques teach how to block fraudulent sites and activity by preventing these producing any matching photo the customer can tap.