Systems and methods of authentication in a disconnected environment

A communication system and method are disclosed for establishing a secure communication channel including: a server for generating and storing a first instance of a unique personalized client application associated with a first-time user on the server, a client terminal for the user to communicate with the server over a communication channel and a standalone computing device having a second instance of the unique personalized application. The user authenticates the server based on a first dynamic identifier (DI-1) generated by the first instance of the unique personalized client application and the server authenticates the user based on a second dynamic identifier (DI-2) generated by the second instance of the unique personalized client application.