Abstract: There is disclosed a method and system for verifying an identity of a user to a computer system. The user is assigned a user access code in the form of an invariant string of integers from 0 to 9, with length no greater than ten. The user access code is stored in the computer system; the computer system generates a ten-digit random or pseudo-random non-repeating string of the integers 0 to 9, the string having 1st to 10th positions each with a unique integer and having respective positional values 1 to 10; and the computer system performs a predetermined algorithm to combine the user access code and the random or pseudo-random string, thereby to determine a one-time verification code in the form of a string of the same length as the user access code.

Abstract: Secure identification of a user in an electronic communications environment, wherein a host computer communicates with a plurality of electronic devices operated by the user. The user is issued a user code, known only to the user and stored in the host computer. User identification involves the host computer generating a pseudo-random security string and applying the user code to the pseudo-random security string to generate a transaction code. The host computer also transmits the pseudo-random security string to one of the electronic devices which displays the pseudo-random security string to the user. The user generates the transaction code by applying their known user code to the displayed pseudo-random security string. The user enerated transaction code is entered into an electronic device, then transmitted back to the host computer. Positive identification is achieved when the host computer determined transaction code matches the user generated transaction code.

Abstract: A method and system for secure identification of a person in an electronic communications environment, wherein a host computer is adapted to be able to communicate with a specific electronic communications device operated by the person. The person is issued with a mask code, known only to the person and stored in the host computer, but never transmitted electronically there between. When the person is required to identify him- or herself to the host computer, the host computer transmits a pseudo-random string to the specific electronic communications device, whereupon the mask code must be applied to the pseudo-random string according to predetermined rules so as to generate a volatile identification code which is then transmitted back to the host computer. Positive identification is achieved when the volatile identification code matches a volatile identification code generated within the host computer by applying the mask code stored therein to the pseudo-random string.