Patent ID: 8613065

Claim:
A method for activating a plurality of passcode generators on a user device, comprising: installing a passcode application on the user device; receiving on the user device a first passcode generator defined by a first provider; activating the first passcode generator on the user device using the passcode application; obtaining a first passcode from the first passcode generator, wherein the first passcode is configured as a user passcode for a transaction between a user and a first provider; receiving on the user device a second passcode generator defined by a second provider; activating the second passcode generator on the user device using the passcode application; obtaining a second passcode from the second passcode generator, wherein the second passcode is configured as a user passcode for a transaction between the user and the second provider; and activating one of the first passcode generator and the second passcode generator to provide a third passcode configured as a user passcode for a transaction between the user and a third provider, using the passcode application; obtaining the third passcode from the one of the first passcode generator and the second passcode generator.