Patent ID: 8266065

Claim:
A method, the method comprising: directing, by a financial management system comprising one or more computers, a first transfer associated with a financial account of a user; requesting, by a financial management system, that the user identify an amount of the first transfer; receiving, by the financial management system, a response from the user comprising an identification of the amount of the first transfer; confirming, by the financial management system, the user's ability to access the financial account if the identification of the amount of the first transfer is correct; denying, by the financial management system, the user's ability to access the financial account if the identification of the amount of the first transfer is not correct; directing, by the financial management system, a second transfer associated with the financial account; requesting, by the financial management system, that the user identify an amount of the second transfer; harvesting, by the financial management system, data from a web page associated with the financial account; and authenticating, by the financial management system, the user's ability to access the financial account based at least in part on the data harvested from the web page associated with the financial account.