Patent ID: 7103576

Claim:
A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising: an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interfaces processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interfaces processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interface processor portion completing the transaction for the account number if the transaction is authenticated; and wherein one of the selected alias and the selected personal identification entry includes both: a static portion, the static portion being a designated portion of the selected alias or the selected personal identification entry that is not changed; and a dynamic portion, the dynamic portion being a designated portion of the selected alias or the selected personal identification entry that is changed while the static portion is not changed.