Patent ID: 11966913
Assignee: MIRI SYSTEMS, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 20:
21. A method for providing access to an account from a remote device, comprising the steps of:
associating, at a server, a first account with
an identifier that is unique to the first account among accounts that an institution maintains that are accessible at the server via a wide area network by users remote from the server,
an account number,
a first user of the account, and
authentication data corresponding to the first user;

generating by a mobile device a login credential, that is different from the account number, according to a predetermined algorithm so that the login credential has a same number of digits as the account number and includes a first set of digits corresponding to the identifier and a second set of digits corresponding to the authentication data;
transmitting the login credential from the mobile device to the server via the wide area network; and
at the server,
receiving the login credential,
identifying the first account in response to the first set of digits of the login credential,
authenticating the user in response to the second set of digits of the login credential, and

in response to identification of the first account at the identifying step and authentication of the user at the authenticating step, permitting the mobile device to interact with the first account via the wide area network and the server,
wherein neither the identifier nor the authentication data includes or is defined by any data transmitted to the server with or in association with the transmitting step other than data that comprises the login credential.