CODE BASED ACCESS SYSTEMS

• US 20090212106A1
• Filed: 05/01/2009
• Published: 08/27/2009
• Est. Priority Date: 02/17/1998
• Status: Active Grant

• Current Assignee: Yik Hei Sia
• Original Assignee: Yik Hei Sia
• Inventors: SIA, Yik Hei
• Granted Patent: US 7,841,518 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07C 9/23 by means of a password
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

A system including at least two parts or stations wherein a transaction or connection between any two or more of the parts or stations is conducted or established by means of an access code, the access code being available to an accessed part or station and requiring an identical access code to be provided to an accessing part or station at the time of conducting the transaction or establishing the connection. The system is characterized in that the access code is one of a plurality of codes provided to the accessed part or station and available to the accessing part or station. The system is further characterized in that the access code is selected from the plurality of codes at the time of conducting the transaction or establishing the connection, such that no two transactions are conducted or no two connections are established with the same access codes.

Claims

1. A system for verification of user identity, comprising:

a service provider'"'"'s computer system (43);

a user'"'"'s accessing terminal (50) with at least one storage means used for storing;

at least one verification access code (14);

at least one electronic communication means for delivering a verification access code;

wherein, at least one verification access code (14) is sent and delivered from the service provider'"'"'s computer system (43) into the user'"'"'s mobile transceiver (50);

wherein, said at least one code is used to authenticate said at least one user'"'"'s identity.

2. A system as recited in claim 1, wherein, said at least one access code (14) transmitted is used for the purpose of verification and authentication of said at least one user'"'"'s identity.

3. A system as recited in claim 1, wherein, said at least one electronic communication means used for delivering said verification access code (14) is selected from a group consisting of an internet connection (42);

a wireless network or a wire-line network.

4. A system as recited in claim 1, wherein, said accessing terminal is selected from a group consisting of a mobile transceiver (50);

personal computer (41);

automated teller machine terminal 12.

5. A system as recited in claim 1, wherein, said at least one storage means used for storing said at least one verification access code (14) is selected from a group consisting of a an integrated circuit microchip (55, 56);

and a smart card (55, 56).

6. A system as recited in claim 1, wherein, an initial user verification using password or personal identification number precedes the use of said at least one verification access code (14);

wherein, said at least one verification access code (14) and at least one verification message is downloaded by said user prior to being used to authenticate said user'"'"'s identity to said service provider'"'"'s computer system (43).

7. A method of verification wherein, at least one verification access code (55a) is delivered from a service provider'"'"'s computer system (43) over an internet connection (42) into an accessing terminal (41);

wherein, said at least one access code is stored into an integrated circuit microchip (55, 56) residing inside the accessing terminal (41);

wherein, said at least one access code (55a) downloaded is used to verify and authenticate the remote identity of at least one customer over the internet connection (42) to said service provider'"'"'s computer system (43);

wherein said step of downloading at least one access code is performed before at least one access to conduct a secure computerized transaction is granted.

8. A method of verification as recited in claim 7, wherein, said at least one integrated circuit microchip (55, 56);

or said at least one smart card (55, 56);

resides inside said computerized accessing terminal;

wherein, the accessing terminal is selected from a group comprising of;

a personal computer terminal (41) and a mobile transceiver terminal (50).

9. A method of verification wherein verification access codes delivered from a service provider'"'"'s computer system (43) into an accessing terminal (41) are stored in a detachable storage-memory means (55);

wherein, said computerized access codes stored on said detachable storage-memory means (55) are used on an accessing station comprising a mobile transceiver (50) to authenticate a remote customer'"'"'s identity over an electronic network 42 to an accessed station 43 before authorization for access to conduct a secure transaction is granted;

wherein, said at least one access code (55a) is downloaded by means of an internet connection (42) and stored into said detachable storage-memory means (55);

wherein, said detachable storage-memory means (55) is detached and removed from accessing terminal (41) after programming;

operably connected to a mobile transceiver (50) for use;

to perform said at least one user verification;

wherein, said accessing terminal (41) includes a integrated circuit microchip writer;

wherein, transceiver (50) is adapted with at least port for accommodating the detachable storage-memory means (55).

10. A method as recited in claim 9:

wherein, said detachable storage-memory means (55) is inserted the mobile transceiver (50);

wherein, said mobile transceiver (50) incorporates at least one port configured to accommodate or receive said detachable storage-memory means (55) carrying said at least one verification code used for performing said at least one authentication for said at least one customer.

11. A method as recited in claim 10, wherein said detachable storage-memory means (55) is selected from a group consisting of a smart card chip (55, 56);

and an integrated circuit microchip (55, 56).

12. A method as recited in claim 10, wherein said accessing terminal (41) is selected from a group consisting of a personal computer terminal (41), an Automated Teller Machine terminal (12) and a mobile transceiver (50).