Method for transmitting code

Abstract

The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code allocation unit 3 transfers an amount of money to the financial institution 5 specified by the user and/or transfers an amount of money from the financial institution 5 specified by the user, thereby submitting the account identifier information and the code to be transmitted as additional information with this transfer and/or this debit, and the financial institution 5 forwards a receipt for the transfer and/or debit together with the additional information to the user.

1 . A method for providing secure access to a service, comprising:
 receiving, by a computing system through a network, a user access request by a user to access a service;   determining, by a code allocation unit in the computing system, a financial account of the user that is identified in the user access request;   causing, by the code allocation unit in the computing system, an amount of value to be transferred over a secure transmission channel to the financial account of the user;   receiving, by the computing system from a service accessing device through the network subsequent to the causing of the amount of value to be transferred to the financial account, a user access attempt by the user to access the service;   determining, by the computing system, that the user access attempt identifies the amount of value that was caused to be transferred to the financial account; and   validating, in response to determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account, the user access attempt to cause the service accessing device to provide the user access to the service in response to the user access attempt.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining, by the code allocation unit in the computing system, an access code having a numerical value, wherein amount of value caused to be transferred to the financial account corresponds to the numerical value of the access code.   
     
     
         3 . The method of  claim 1 , wherein the transfer of the amount of value to the financial account causes a receipt that identifies the amount of value to be sent to the user. 
     
     
         4 . The method of  claim 1 , wherein the determining the financial account of the user that is identified in the user access request includes:
 retrieving, by the code allocation unit in the computing system from the user access request, one of a bank account identifier and a credit account identifier.   
     
     
         5 . The method of  claim 1 , wherein the causing the amount of value to be transferred over a secure transmission channel to the financial account of the user includes:
 causing, by the code allocation unit in the computing system, a first amount of value to be transferred over the secure transmission channel to the financial account of the user; and   causing, by the code allocation unit in the computing system, a second amount of value to be transferred over the secure transmission channel to the financial account of the user.   
     
     
         6 . The method of  claim 5 , wherein the determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account includes:
 determining, by the computing system, that the user access attempt is associated with both the first amount of value and the second amount of value.   
     
     
         7 . The method of  claim 6 , wherein the determining that the user access attempt is associated with both the first amount of value and the second amount of value includes:
 determining, by the computing system, that the user access attempt includes a result of a computation involving the first amount of value and the second amount of value.   
     
     
         8 . A non-transitory, machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
 receiving, through a network, a user access request by a user to access a service;   determining a financial account of the user that is identified in the user access request;   causing an amount of value to be transferred over a secure transmission channel to the financial account of the user;   receiving, from a service accessing device through the network subsequent to the causing of the amount of value to be transferred to the financial account, a user access attempt by the user to access the service;   determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account; and   validating, in response to determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account, the user access attempt to cause the service accessing device to provide the user access to the service in response to the user access attempt.   
     
     
         9 . The non-transitory machine-readable medium of  claim 8 , wherein the operations further comprise:
 determining an access code having a numerical value, wherein amount of value caused to be transferred to the financial account corresponds to the numerical value of the access code.   
     
     
         10 . The non-transitory machine-readable medium of  claim 8 , wherein the transfer of the amount of value to the financial account causes a receipt that identifies the amount of value to be sent to the user. 
     
     
         11 . The non-transitory machine-readable medium of  claim 8 , wherein the determining the financial account of the user that is identified in the user access request includes:
 retrieving, from the user access request, one of a bank account identifier and a credit account identifier.   
     
     
         12 . The non-transitory machine-readable medium of  claim 8 , wherein the causing the amount of value to be transferred over a secure transmission channel to the financial account of the user includes:
 causing a first amount of value to be transferred over the secure transmission channel to the financial account of the user; and   causing a second amount of value to be transferred over the secure transmission channel to the financial account of the user.   
     
     
         13 . The non-transitory machine-readable medium of  claim 12 , wherein the determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account includes:
 determining that the user access attempt is associated with both the first amount of value and the second amount of value.   
     
     
         14 . The non-transitory machine-readable medium of  claim 13 , wherein the determining that the user access attempt is associated with both the first amount of value and the second amount of value includes:
 determining that the user access attempt includes a result of a computation involving the first amount of value and the second amount of value.   
     
     
         15 . A secure access system, comprising:
 at least one computing device that is coupled to a network and configured to perform operations to cause the system to:
 receive, through the network, a user access request by a user to access a service; 
 determine a financial account of the user that is identified in the user access request; 
 cause an amount of value to be transferred over a secure transmission channel to the financial account of the user; 
 receive, from a service accessing device through the network subsequent to the causing of the amount of value to be transferred to the financial account, a user access attempt by the user to access the service; 
 determine that the user access attempt identifies the amount of value that was caused to be transferred to the financial account; and 
 validate, in response to determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account, the user access attempt to cause the service accessing device to provide the user access to the service in response to the user access attempt. 
   
     
     
         16 . The system of  claim 15 , wherein the operations further cause the system to:
 determine an access code having a numerical value, wherein amount of value caused to be transferred to the financial account corresponds to the numerical value of the access code.   
     
     
         17 . The system of  claim 15 , wherein the transfer of the amount of value to the financial account causes a receipt that identifies the amount of value to be sent to the user. 
     
     
         18 . The system of  claim 15 , wherein the determining the financial account of the user that is identified in the user access request includes:
 retrieving, from the user access request, one of a bank account identifier and a credit account identifier.   
     
     
         19 . The system of  claim 15 , wherein the causing the amount of value to be transferred over a secure transmission channel to the financial account of the user includes:
 causing a first amount of value to be transferred over the secure transmission channel to the financial account of the user; and   causing a second amount of value to be transferred over the secure transmission channel to the financial account of the user, and wherein the determining that the user access attempt identifies the amount of value that was caused to be transferred to the financial account includes:
 determining that the user access attempt is associated with both the first amount of value and the second amount of value. 
   
     
     
         20 . The system of  claim 19 , wherein the determining that the user access attempt is associated with both the first amount of value and the second amount of value includes:
 determining that the user access attempt includes a result of a computation involving the first amount of value and the second amount of value.