Patent ID: 7106845

Claim:
In a telecommunications system coupled to a user's telecommunications device, a security apparatus comprising: a database storing at least one user profile, wherein the profile indicates one of a plurality of security modes selectable by the user; and a computer coupled to communicate with the database, and coupled to the telecommunications system to receive telecommunications data transmissions, wherein the computer is configured to: receive mode selection user input, wherein the mode selection user input includes selecting one of the plurality of security modes, wherein the selected security mode is not a personal identification number (PIN) change, store the selected security mode in the at least one user profile, wherein the user profile corresponds to the user, in response to a telecommunications call from the user, retrieve the at least one user profile, receive authorization user input, and provide user authorization by comparing the received authorization user input to a security code based on the retrieved user profile, wherein the security code is an automatically and dynamically generated user security code based on the selected security mode, wherein the plurality of security modes includes a current time sequence recognition mode wherein the user security code is based on predetermined numerical sequence based on an hour of day, day of week, day of month and month of year, and wherein the mode selection user input includes a user selected arrangement of the hour of day, day of week, day of month and month of year.