Patent ID: 8954745
Filing Date: 2015-02-10
Classification: G06F,H04L

Abstract:
1. A method of using one-time passwords to authenticate access to one or more accounts of a user, the method comprising the steps of: assigning, upon input from the user, each one of multiple sequence generators in a communications device to a different one of multiple corresponding service entities each having an account of the user and a server assigned to a corresponding one of the multiple sequence generators, wherein, upon being reset by the user, each one of the multiple sequence generators is assignable to a second different one of the multiple corresponding service entities, and wherein the assigning step further comprises the step of providing the server corresponding to each service entity with generating a subsequent pseudorandom sequence value from each one of the multiple sequence generators, wherein each of the multiple sequence generators provides access to a different one of the one or more accounts of the user; transmitting to each assigned server a one-time password formed from concatenating a personal identification number (PIN) with a corresponding one of the subsequent pseudorandom sequence values; receiving a confirmation from each assigned server that the server has authenticated the user for access to one of the one or more accounts on a condition that a login identification (ID) received by the server from the user matches a login ID stored by the server, and the one-time password received by the server matches a server-generated one-time password; and receiving a second one-time password from each assigned server.