| 摘要 |
In one embodiment, an online financial account has an associated telephone registered to the account. The financial account may be accessed over a computer network, such as the Internet. Upon receipt of a request to access the account, a text message containing a dynamic password is forwarded to the telephone over a telephone network. The user trying to access the account may use the telephone to reply to the text message with another text message that includes the dynamic password. The request to access the account may be granted if the reply includes a portion that corresponds to the dynamic password.
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