Patent ID: 8533460

Claim:
A method of generating a user one-time passcode (OTP) for a provider account, the method comprising: providing a fingerprint code (FPC) to a user device using a provisioning server; collecting FPC information from the user device using the fingerprint code, wherein the FPC information is unique to the user device; generating a machine effective speed calibration (MESC) using the FPC information and a MESC generator; camouflaging at least one key with a personal identification number (PIN) and the MESC to provide at least one camouflaged key; wherein the at least one camouflaged key is defined by the provider account and camouflaged with the personal identification number (PIN) and the (MESC); generating a cardstring using the at least one camouflaged key and the provisioning server prior to providing the cardstring to a passcode application, wherein the cardstring is defined by the at least one camouflaged key and configured to generate the OTP for the provider account; providing the passcode application to the user device; providing the cardstring to the passcode application on the user device; storing the cardstring on the user device; providing the PIN and the MESC to the passcode application; wherein the passcode application is configured to generate a passcode configured as the user OTP for the provider account using the cardstring and the PIN and the MESC; and generating the user OTP on the user device using the passcode application and the cardstring on the user device.