Abstract: A system that eliminates the use and recall of multiple dedicated access codes to verify an authorized user across multiple protected resources. Fixed access codes selected by a user, or issued to a user, such as Personal Identification Numbers (PINs), passwords and passcodes are replaced by temporary codes that are valid only for the specific transaction in progress. A temporary code is randomly selected by the system and displayed to the user encoded within a completely filled geometric matrix along with other non-code characters. The user must recall a single, predetermined sequential pattern within said matrix in order to obtain the access code. Once the code is obtained, or decoded from the matrix, the user must enter that code into the system. If the entered code matches the transaction specific code in system memory, access to the protected resource is granted and the transaction is allowed to proceed.

Abstract: A thin label consisting of a geometric matrix (1) which is applied, embedded, programmed or printed on to the surface of a bank or credit card (2) for the purpose of recalling the specific Personal identification Number (PIN). A sequential pattern is chosen within the matrix. The PIN is installed into the sequential pattern in a predetermined order. The remaining empty spaces within the matrix are filled-in with other numbers or characters to render the PIN encoded. The authorized user of the credit card need only recognize the sequential pattern within the matrix to recall the specific PIN. Other credit card PINs can be recalled by utilizing the same sequential matrix pattern to encode the different PINs. By recognizing a single sequential pattern within the matrix, the user can recall a multitude of PINs without jeopardizing the intended security associated with PIN use.