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System and Method for Electronic Wallet Conversion

  • US 20130124407A1
  • Filed: 09/15/2012
  • Published: 05/16/2013
  • Est. Priority Date: 12/06/2002
  • Status: Abandoned Application
First Claim
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1. A method of converting an electronic wallet, comprising steps of:

  • providing an account, the account a first account type providing a first set of services, the first set of services requiring a first level of authentication;

    presenting an accountholder a one-time challenge/response mechanism; and

    if the accountholder clears the challenge, converting the account to a second account type for all time.

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