System for detecting unauthorized account access

A method for both authorizing access from a user device to an electronic account record stored at a computer authentication device, and for detecting attempted unauthorized access to said electronic account record, said method comprising the steps of:

• recording at said computer authentication device an plurality of access sequence numbers and an account profile consisting essentially of an account identification number and a user device identification number and associating said recorded account profile with said electronic account record at said computer authentication device;
• independently recording at said user device the same plurality of access sequence numbers and said account profile;
• selecting at said authentication device from among said plurality of access sequence numbers a first access sequence number and associating said first access sequence number with said electronic account record;
• independently selecting at said user device the same first access sequence number and associating said first access sequence number with said account profile at said user device;
• transmitting a request for electronic access to said electronic account record from said user device to said computer authentication device, wherein said request comprises said first access sequence number and said account profile;
• receiving said request at said computer authentication device and comparing said first access sequence number and said account profile received from said user device with said first access sequence number and account profile associated with said electronic account record;
• determining at said computer authorization device that said received first access sequence number and said associated first access sequence number are the equal or unequal;
• authorizing access to said electronic account record when said determination is equal;
• whether or not said first access sequence numbers are equal or unequal, independently selecting from said plurality a second access sequence number at said user device and replacing said first access sequence number with said second access sequence number;
• only if said first access sequence numbers are equal, independently selecting from said plurality a second access sequence number at said computer authentication device and replacing said first associated access sequence number with said second access sequence number;
• wherein said method for detecting attempted unauthorized access comprises the step of determining that said first access sequence number or said account profile received from said user device and said first sequence number or account profile associated with said electronic account record are unequal and reporting the unequal finding to an account holder, a user, the computer authorization device or the user device.