Patent ID: 11870773
Assignee: AFFIRM, INC.
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 14:
15. A method for accessing a system for financing purchase of a product, the method comprising:
receiving, at a server, a transmission from a mobile device for accessing the system, the transmission including a phone number for a mobile device associated with a user attempting to access the system;
recognizing, by the server, the phone number and a unique identifier for the mobile device to authenticate the user during a passwordless login of the user;
transmitting, by the server, a verification message that includes a unique randomly generated verification code that is part of the passwordless login to the phone number of the mobile device;
receiving, by the server, a response to the verification message including the verification code to authenticate the user during the passwordless login of the user;
determining, by the server, a permission level of the user based on the passwordless login of the user;
authorizing, by the server, the user and the mobile device to access the system to interact with the server using the passwordless login; and
granting the user, by the server, access to a service based on the permission level granted.