| CPC G06F 21/46 (2013.01) | 4 Claims |

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1. A system, comprising:
a server implemented using one or more processors; and
a memory storing instructions which, when executed by the one or more processors, cause the server to:
output a listing of participating businesses, and a generate password command for a business selected from the listing of participating businesses;
generate a first set of system parameters using a specific algorithm selected from a plurality of algorithms, wherein the specific algorithm has a specific algorithm identifier;
derive a second set of system parameters from the first set of system parameters, wherein the second set of system parameters are mathematically related to but distinct from the first set of system parameters;
generate, based on the first set of system parameters, a first unique password for a consumer in response to the consumer activating the generate password command for the selected business;
transmit the second set of system parameters and the specific algorithm identifier to the selected business in real-time, wherein the selected business generates a second unique password using the second set of system parameters and the specific algorithm corresponding to specific algorithm identifier; and
enable communication between the consumer and the selected business after confirming a match of the first and second unique passwords.
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