Code Based Access Systems

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 characterised 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 characterised 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

1 . A system for automated verification of user identity comprising:
 a verification software module capable of automatically activating at least one verification;   code replenishment means wherein a memory-storage means retains the codes and the codes are replenished with new supplies of access codes;   said self-replenishment process being automatically initiated by the verification software program ensuring a supply of fresh access codes for verification; said self-replenishment process comprising; a software program for generating at least one new access code in support of an automated self-replenishment mechanism;   providing a trigger mechanism for initiating said self-replenishment mechanism;   providing a self-replenishment mechanism enabled by means of an Internet download implemented by said software program, wherein said computerized replenishment mechanism is automatically activated;   providing an automated codes generation mechanism wherein, at least one fresh access code automatically generated by a software program is delivered by means of an electronic communications system;   delivering said at least one fresh access code into the end-user's memory device.   
     
     
         2 . A system as recited in  claim 1 , wherein said trigger mechanism for initiating said self-replenishment process comprises at least one initial user authentication process selected from a group comprising:
 a password; a personal identification number; an electronic serial number.   
     
     
         3 . A system as recited in  claim 1 , wherein said access codes generation software residing in a generator module ( 13 ,  45 ,  57 ) automatically generated said at least one new access code; wherein, said verification software program ( 43 ) automatically delivers said new access code into the user's electronic utility appliance by means of the Internet. 
     
     
         4 . A system as recited in  claim 1 , further comprising means of a self-replenishment mechanism of the software program which is activated after the user has been verified; wherein said at least one access code is delivered by means of an Internet download into said user's electronic utility appliance and the first storage means. 
     
     
         5 . A system as recited in  claim 1 , wherein said delivery means is selected from the group comprising:
 the Internet; a wire-line electronic communication system; a wireless electronic communication system.   
     
     
         6 . A system as recited in  claim 1 , further comprising the means for storing said at least one access code from said user's electronic utility appliances into related storage-memory means directed associated with said at least one said utility appliance selected from a group comprising:
 an Automated Teller Machine terminal; a mobile transceiver; a personal computer.   
     
     
         7 . A system as recited in  claim 6 , wherein said storage-memory means is selected from a group comprising:
 a smart-card ( 55 ); an integrated circuit microchip ( 55 ); a magnetic strip ( 11 ) mounted on ATM card ( 10 ); a computer diskette ( 44 ).   
     
     
         8 . A system as recited in  claim 1 , further comprising means of a self-replenishment mechanism wherein, a second part of the at least one access code, is concurrently assigned, and auto-loaded from said access code generation module ( 13 ,  45 ,  57 ) into said second codes storage means and the codes storage module ( 15 ,  46 ,  58 ) associated with the accessed part or station under an address which corresponds to a first storage means such as unique identity assigned to each respective user. 
     
     
         9 . A method of verification as recited in  claim 1 , wherein said at least one access code retrieved by said verification software program for delivery is obtained from a module selected from the group comprising:
 an access codes generator module ( 13 ,  45 ,  57 ); an access codes replacement module ( 17 ,  47 ,  59 ).   
     
     
         10 . A method of verification as recited in  claim 1 , wherein verification access codes delivered from a service provider's computer system ( 43 ) into an accessing station comprising personal computer ( 41 ); is stored in a detachable storage-memory means ( 55 );
 wherein, said computerized access codes stored on said integrated circuit microchip ( 55 ) is 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 ( 55   a ) is downloaded by means of an internet connection ( 42 ) and stored into said at least one carrier comprising storage memory means ( 55 );   wherein, said at least one integrated circuit microchip ( 55 ) is detached and removed from personal computer ( 41 ,  57 ) after programming; then slid, slotted, fitted and inserted into a slot on said at least one mobile transceiver ( 50 ) for use; to perform said at least one user verification;   wherein, said modified personal computer ( 41 ,  57 ) includes a dedicated integrated circuit microchip writer; wherein, transceiver ( 50 ) is adapted with at least one built in slot, adaptor or port for accommodating said at least one removable carrier comprising integrated circuit microchip ( 55 ); wherein, said at least one accessed station comprises of a mainframe computer system ( 43 ,  52 ,  16 ).   
     
     
         11 . A method as recited in  claim 10 , wherein, said access code storage means ( 55 ) is removable and detachable;
 wherein, said integrated circuit microchip ( 55 ) is inserted into said at least one computerized mobile transceiver ( 50 );   wherein, said modified accessing terminal ( 50 ) incorporates at least one specially designed built-in slot, adaptor or port configured to accommodate or receive said at least one integrated circuit microchip ( 55 ) carrying said at least one verification code used for performing said at least one authentication for said at least one customer.   
     
     
         12 . A method as recited in  claim 11 , wherein, said at least one storage means is selected from a group comprising of:
 a smart card chip ( 55 ,  56 ); an integrated circuit microchip ( 55 ,  56 ).   
     
     
         13 . A method as recited in  claim 11 , wherein, said at least one computerized accessing terminal is selected from a group comprising of:
 a personal computer terminal ( 41 ); an Automated Teller Machine terminal ( 12 ); a mobile transceiver ( 50 ).   
     
     
         14 . A method as recited in  claim 11 , wherein, said at least one utility function or purpose is selected from a group comprising of:
 computerized user authentication; verification; access control.   
     
     
         15 . 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.   
     
     
         16 . A system as recited in  claim 15 , 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. 
     
     
         17 . A system as recited in  claim 15 , 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. 
     
     
         18 . A system as recited in  claim 15 , wherein said accessing terminal is selected from a group consisting of a mobile transceiver ( 50 ); personal computer ( 41 ); automated teller machine terminal ( 12 ). 
     
     
         19 . A system as recited in  claim 15 , 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 an integrated circuit microchip ( 55 ,  56 ); a smart card ( 55 ,  56 ). 
     
     
         20 . A system as recited in  claim 15 , 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 ). 
     
     
         21 . A system as recited in  claim 15 , wherein said trigger mechanism for initiating said self-replenishment process comprises at least one initial user authentication process selected from a group comprising:
 a password; a personal identification number; an electronic serial number.   
     
     
         22 . A system as recited in  claim 15 , wherein the verification software program ( 43 ) automatically delivers and sent said at least one new access code generated by the access code generation means comprising module ( 13 ,  45 ,  57 ) into said customer's accessing terminal.