Patent ID: 9305152
Filing Date: 2016-04-05
CPC Classification: G06F

Claim Text:
1. A service provider server system comprising: a non-transitory memory storing a first alphanumeric password for a user account of a user; and one or more hardware processors in communication with the non-transitory memory and configured to cause the service provider server system to: receive the first alphanumeric password for the user account of the user from a mobile application executing on a mobile device of the user over a network connection; determine a first rule to apply to the first alphanumeric password that transforms the first alphanumeric password to a first personal identification number (PIN), wherein the first rule is unknown to the user; generate the first PIN by converting the first alphanumeric password to the first PIN based on the first rule, wherein the first PIN is unknown to the user when the first PIN is generated and does not contain more characters than the first alphanumeric password, wherein the first PIN is numeric, and wherein the user is not notified of the first PIN; receive, by the service provider server, a request to access the user account from one of the mobile device or an automatic teller machine (ATM); notify the user of the first rule through a display interface of the one of the mobile device or the ATM; receive user input comprising a second PIN through the one of the mobile device or the ATM; and grant access to the user account in response to determining that the second PIN matches the first PIN.