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

Claim 4:
5. A method for providing access to an account from a remote device, comprising the steps of:
associating, at a computer, a first account with
an identifier that is unique to the first account among accounts that an institution maintains that are accessible at the computer via a wide area network by users remote from the computer,
an account number,
a first user of the first account, and
authentication data corresponding to the first user;

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 and a second set of digits corresponding to the authentication data;
transmitting the login credential from the mobile device to the computer via the wide area network; and
at the computer,
receiving the login credential,
identifying the first account based upon the first set of digits of the login credential,
authenticating the user of the first account identified at the identifying step based upon 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 of the first account at the authenticating step, permitting the mobile device to interact with the first account via the wide area network and the computer.