Patent ID: 7748031

Claim:
A portable device capable of mass storage of user files and of user credential management, the portable device having a physical interface for removably coupling the device to a host device, and comprising: mass storage solid state memory used to store user files and programs; a micro controller that controls read and write operations of the mass storage solid state memory; a one time password generator; a client application residing in the mass storage solid state memory, the client application executable by a processor of the host to retrieve a one time password from the password generator of the device; and a first seed and counter pair, the first pair to authenticate the device to a first institution, wherein the portable device comprises a portable memory card or a portable USB drive, wherein the client application is launched, wherein the client application is executed by the processor of the host, and wherein the one time password generator is implemented within the portable device and generates the one time password within the portable device in response to the request.