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

Claim 14:
15. A method for providing access to a first account maintained by an institution, wherein the first account has a predetermined expiration and is associated by the institution with an account number and with a first user, an identifier that is unique to the first account among accounts that the institution maintains that are accessible at a server by users via a wide area network, and authentication data that the institution requires to be submitted to the institution as a condition to grant access to the first account, the method comprising the steps of:
generating by a mobile device a login credential according to a predetermined algorithm so that the login credential is different from the account number, has a same number of digits as the account number and includes a first set of digits corresponding to the identifier, a second set of digits corresponding to the authentication data, and a third set of digits corresponding to data identifying a time that is earlier than the expiration of the first account;
transmitting the login credential from the mobile device to the server via the wide area network; and
in response to confirmation by the institution that the login credential received by the server from the transmitting step corresponds to the identifier and to the authentication data, interacting with the first account from the mobile device 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.