Code based access systems

A method of verification wherein verification access codes delivered from a service provider's computer system (43) into an accessing terminal (41) are stored in a detachable storage-memory means (55);

• wherein, said computerized access codes stored on said detachable storage-memory means (55) are used on an accessing station comprising a mobile transceiver (50) to authenticate a remote customer's identity over an electronic network 42 to an accessed station 43 before authorization for access to conduct a secure transaction is granted;
• wherein, said at least one access code (55a) is downloaded by means of an internet connection (42) and stored into said detachable storage-memory means (55);
• wherein, said detachable storage-memory means (55) is detached and removed from accessing terminal (41) after programming;
• operably connected to a mobile transceiver (50) for use;
• to perform said at least one user verification;
• wherein, said accessing terminal (41) includes a integrated circuit microchip writer;
• wherein, transceiver (50) is adapted with at least port for accommodating the detachable storage-memory means (55).