Method and system for multiple passcode generation
First Claim
1. 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.
3 Assignments
0 Petitions
Accused Products
Abstract
This invention relates to a method and a system for generating user passcodes for each of a plurality of transaction providers from a mobile user device. A method and system for activating a plurality of passcode generators on a user device configured with a passcode application installed on the user device is provided. Each of the passcode generators may correspond to a different user account or transaction provider, such that each passcode generator provides a user passcode configured for the corresponding account or transaction provider. One or more of the passcode generators may include a passcode generating algorithm and a passcode key. Access to one or more of the passcode generators may require providing a PIN or a challenge.
23 Citations
16 Claims
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1. A method for activating a plurality of passcode generators on a user device, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for activating a plurality of passcode generators on a user device, the system including:
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a passcode application configured to activate a plurality of passcode generators; a user device configured to receive the passcode application; a provisioning server configured to provide the passcode application to the user device; a first provider interface configured to provide first passcode information; a second provider interface configured to provide second passcode information; a third provider interface configured to provide third passcode information; a first passcode generator defined by the first provider interface and configured for activation on the user device; a second passcode generator defined by the second provider interface and configured for activation on the user device; wherein; the user device is configured to communicate with the provisioning server; at least one of the user device and the provisioning server are configured to communicate with each of the first provider server and the second provider server; the passcode application uses the first passcode information to activate the first passcode generator on the user device such that the user can obtain a first passcode configured as a user passcode for a first provider; the passcode application uses the second passcode information to activate the second passcode generator on the user device such that the user can obtain a second passcode configurable as a user passcode for a second provider; and the passcode application uses the third passcode information to activate one of the first passcode generator and the second passcode generator such that the user can obtain a third passcode configured as a user passcode for a third provider. - View Dependent Claims (13, 14, 15, 16)
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Specification