Code Based Access Systems
First Claim
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) wherein the verification access code is generated and received from a computer (41) in communication with the service provider'"'"'s computer system;
at least one electronic communication means for delivering the 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.
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Accused Products
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 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.
12 Citations
10 Claims
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1. A system for verification of user identity, comprising:
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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) wherein the verification access code is generated and received from a computer (41) in communication with the service provider'"'"'s computer system; at least one electronic communication means for delivering the 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. - View Dependent Claims (2, 3, 4, 5, 6)
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7. 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);
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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).
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- 10. 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).
Specification