Patent ID: 7743409

Claim:
A method of accessing accounts of a user with a portable mass storage device, the method comprising: detecting a connecting of the portable mass storage device with a computer, the portable mass storage device comprising a portable memory card or a portable USB drive; and thereafter causing a connection to be established between the computer and a first entity; and thereafter causing a seed, to be used with a one time password generator implemented within the portable mass storage device, to be loaded into the portable mass storage device while it is connected to the computer; launching a client application; executing the client application using the computer; sending a request from the client application to the portable mass storage device; generating, in response to the request and within the portable mass storage device using the one time password generator, a one time password with the loaded seed; causing the one time password to be transmitted to an institution along with user identifying information, thereby logging the user into one of said accounts so that the user can access his account.