Secured message transfer system and method using updated session code

Claim 2

Method for securing data communications between the location of an individual user who has an assigned account number and a remote location, the method comprising the steps of: producing a validation number that is unique to the user as a first logical encoding combination of the user's account number and code information received from the user; forming a sync key and a sync index and producing a sync number in accordance with a second logical encoding combination of the sync key, the sync index and the user's account number; storing the sync index and the sync number for access at the user's location; and storing the validation number, the account number and the sync key for access at the remote location.

Claim 3

Method according to claim 2 comprising the additional steps of: providing the user's validation number and sync number at the user's location; producing at the user's location an exchange key as the third logical encoding combination of the validation number and sync number; accessing from storage at the remote location the validation number and sync number of an identified user; producing at the remote location an exchange key as said third logical encoding combination of the accessed validation number and sync number of said identified user; generating a second sync index at the remote location; accessing from storage at said remote location the sync key, the account number, and the validation number for the identified user; producing at said remote location a second sync number as the fourth logical encoding combination of said accessed sync key and account number and the generated second sync index; producing at said remote location a working key as the fifth logical encoding combination of the second sync number and the accessed validation number; encrypting at said remote location said second sync number and said exchange key in accordance with a sixth logical encoding combination thereof to produce an encoded output for transmission to the user's location; decrypting in accordance with said sixth logical encoding combination said encrypted output received at the user's location and said exchange key produced thereat to provide said second sync number at the user's location; encrypting at the user's location in accordance with said fifth logical encoding combination said decrypted second sync number and user's validation number to produce a working key; and transmitting between the user's location and remote location selected data that is encrypted and decrypted at respective locations in accordance with the same logical encoding combination of the working keys which are produced at the respective locations.

Claim 4

Method according to claim 2 comprising the additional steps of: encrypting at one of said user and remote locations in accordance with a seventh logical encoding combination the working key and second sync number available thereat to produce a second encrypted output for transmission to the other of said user and remote locations; decrypting at said other location in accordance with said seventh logical encoding combination the second encrypted output received thereat to produce the second sync number therefrom; and comparing the second sync number produced by said decryption with the second sync number produced thereat to provide indications of valid communications between said locations by the authorized user.

Claim 5

Method as in claim 2 comprising the additional step of communicating to the user's location said second sync index produced at said remote location for selectively superseding said sync index in storage at the user's location.

Claim 6

Method as in claim 2 for securing data communications between first and second users at separated locations via said remote location, the method comprising the additional steps of: performing the recited steps with respect to a first user and the remote location and with respect to a second user and the remote location to produce a first working key at the first user's location and at the remote location, and to produce a second working key at the second user's location and at the remote location; and wherein in said transmitting step said first user transmits to the remote location selected data encrypted using the first working key for decryption at the remote location using the first working key and for encryption thereat using the second working key for transmission to the location of the second user for decryption thereat using the second working key.

Claim 7

Method according to claim 2 wherein in the transmitting step, selected data is encrypted and decrypted along with the sync index number and working key available at the respective location; and comprising the additional step of comparing the received and decrypted sync index number at the respective location with the sync index number present thereat.

Claim 8

System for use by an authorized user having an account number for securely transferring data from one location to a remote location at which selected information about such user is stored, the system comprising: first storage means at said remote location for storing a sync key signal and an account number signal and a validation number signal including unique data about the user; second storage means at the user's location for storing a sync index signal and a sync signal as a logical combination of said account number signal, sync index signal and sync key signal; means at said remote location for selectively accessing from said first storage means the sync signal, validation number signal of an identified user, and the sync key signal; means at said remote location for encrypting said accessed sync signal and validation number signal to produce an exchange key signal as the first logical encoding combination of the sync number and validation number signals applied thereto; means at said remote location for generating a second sync index signal; means at said remote location for encrypting the sync key signal, the account number signal and the second sync index signal for producing a second sync signal therefrom as the second logical combination of said signals applied thereto; means at said remote location for encrypting the second sync signal and accessed validation number signal as the third logical combination of signals applied thereto to provide a working key signal; means at said remote location for encrypting the second sync signal and exchange key signal to produce as the fourth logical encoding combination thereof a coded output for transmission to the user's location; means at said user's location for providing the validation number signal; means at said user's location for selectively accessing said second storage means to provide said sync signal; means at said user's location for encrypting said validation number signal and said sync signal in accordance with said first logical encoding combination of said signals to produce an exchange key signal; means at said user's location for decrypting the coded output received at the user's location with said exchange key signal in accordance with said fourth logical encoding combination to provide said second sync signal at the user's location; means at said user's location for encrypting said validation number signal and said decrypted second sync signal in accordance with said third logical encoding combination thereof to provide a working key signal; and means at the user's and remote locations for encrypting and decrypting data in accordance with a common logical combination thereof with said working key signals at each location for transfer in encrypted form therebetween.

Claim 9

System for use by an authorized user having an account number for securely transferring data from one location to a remote location at which selected information about such user is stored, the system comprising: first storage means at said remote location for storing a sync key signal and an account number signal and a validation number signal including unique data about the user; second storage means at the user's location for storing a sync index signal and a sync signal as a logical combination of said account number signal, sync index signal and sync key signal; means at said remote location for selectively accessing from said first storage means the sync signal, validation number signal of an identified user, and the sync key signal; means at said remote location for encrypting said accessed sync signal and validation number signal to produce an exchange key signal as the first logical encoding combination of the sync number and validation number signals applied thereto; means at said remote location for generating a second sync index signal; means at said remote location for encrypting the sync key signal, the account number signal and the second sync index signal for producing a second sync signal therefrom as the second logical combination of said signals applied thereto; means at said remote location for encrypting the second sync signal and accessed validation number signal as the third logical combination of signals applied thereto to provide a working key signal; means at said remote location for encrypting the second sync signal and exchange key signal to produce as the fourth logical encoding combination thereof a coded output for transmission to the user's location; means at said user's location for providing the validation number signal; means at said user's location for selectively accessing said second storage means to provide said sync signal; means at said user's location for encrypting said validation number signal and said sync signal in accordance with said first logical encoding combination of said signals to produce an exchange key signal; means at said user's location for decrypting the coded output received at the user's location with said exchange key signal in accordance with said fourth logical encoding combination to provide said second sync signal at the user's location; means at said user's location for encrypting said validation number signal and said decrypted second sync signal in accordance with said third logical encoding combination thereof to provide a working key signal; and means at the user's and remote locations for encrypting and decrypting data in accordance with a common logical combination thereof with said working key signals at each location for transfer in encrypted form therebetween.