Cooperative use of identification numbers for consumer transactions

摘要

The invention provides a computer implemented system and method for assuring security and validity of pseudo randomly numbered authorization codes, typically printed on certificates or stored in machine readable memory on user's cards, including a first algorithmic means on a first computer for generating an authorization code in response to a request, and a second algorithmic means on a second computer for determining if a code provided by a user is an authorization code that would be generated by said first algorithmic means. The transmission of the second algorithmic means to the second computer obviates the requirement to transmit actual generated codes from the computer providing the authorization code to the computer determining if the code presented by a user is an authorized code.