The invention consists of a uniquely punched or printed key, often in the form of a card, that is used to identify and authenticate a user during online transactions. The computer randomly generates an array of characters, such as numbers, letters or symbols, which is displayed to the user, e.g., on...http://www.google.fr/patents/US20060020559?utm_source=gb-gplus-shareBrevet US20060020559 - System for authentication and identification for computerized and networked systems
System for authentication and identification for computerized and networked ...