Method and system for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites

摘要

A method and system for preventing fraudulent card transactions and unauthorized access to computers and physical and virtual sites online and offline whether or not involving payment. A physical card, identified by a unique identification number (ID) is issued to the user. The method provides a system of password-protected, single-use, disposable Cybercoupons for secure, authenticated on-line credit transactions, each of the Cybercoupons comprising a personal user identification number (ID) modified by combination with a one-time Cybercode selected from a number of numeric or alphanumeric codes allocated by a credit supplier.