Aspects of the present disclosure pertain to system and method of securing mobile devices using virtual certificates at a computer processor. A method may include receiving a request for access to a computer network associated with a computing device to an application associated with a network connected server processor; electronically receiving, at the server processor, a first security key fragment from the computing device; the first security key fragment being paired with a verifier key fragment unknown to the computing device; generating a conditional seed key fragment at the server processor associated with the verifier key fragment; comparing a first hash parameter to a second hash parameter at the server processor; transmitting, at the server processor, a session security key for enabling network access to the application associated with the server processor.