Hybrid password formed by an online website which programmatically creates a base password and combines said base password with a secondary password or personal identification number (PIN) entered by the account owner, and together said base password and said user entered password or PIN forms said hybrid password, whose total identity is not known to either said online website nor said account owner

摘要

The present invention describes the creation and use of a hybrid password used to gain access to a password protected online website. The hybrid password is a method whereby an online website, acting as a portal for access to password-protected websites, programmatically generates and stores a base password in the online website portal. A base password is then combined with a secondary password or PIN that is generated by the account owner and known only to the account owner. Together the base password and account owner's PIN form the hybrid password, and becomes the complete password required to provide access to said password protected website. The account owner's password or PIN is not stored in the online website portal and is known only to said account owner.