METHOD AND APPARATUS FOR PERSONAL VERIFICATION UTILIZING NONPREDICTABLE CODES AND BIOCHARACTERISTICS

A personal verification system comprising a user device which is adapted to generate a time varying, multi-character, nonpredictable code; a verification device; a mechanism for permitting the user to communicate the nonpredictable code generated by the user device at a given time to the verification device in a manner such that a biocharacteristic of the user is communicated with each code character; the verification device including a mechanism for generating the same nonpredictable code as is appearing at the user device at the given time, a mechanism for converting each character of the generated nonpredictable code to an indication of the character which includes the biocharacteristic; and, a mechanism for comparing the communicated characters including biocharacteristics with the character indications including biocharacteristic, and a mechanism for indicating verification if the compared characters, including the biocharacteristic, match in a predetermined way.