15. A secure wireless data communications method for a wireless local or metropolitan area network comprising a plurality of terminals, the method comprising: generating a random initialization vector (IV) at a transmitting terminal; performing a single-phase hashing algorithm at the transmitting terminal to generate a seed, the single-phase hashing algorithm using a secret key, a device address, the random IV, and a changing reference value; generating a key sequence at the transmitting terminal based upon the seed; encrypting plain text at the transmitting terminal using the key sequence to generate cipher text; and transmitting the cipher text and random IV from the transmitting terminal to the receiving terminal over a wireless communications link, the wireless link having associated therewith a protocol layer, the changing reference value comprising a protocol layer sequence number.
15. A secure wireless data communications method for a wireless local or metropolitan area network comprising a plurality of terminals, the method comprising: generating a random initialization vector (IV) at a transmitting terminal; performing a single-phase hashing algorithm at the transmitting terminal to generate a seed, the single-phase hashing algorithm using a secret key, a device address, the random IV, and a changing reference value; generating a key sequence at the transmitting terminal based upon the seed; encrypting plain text at the transmitting terminal using the key sequence to generate cipher text; and transmitting the cipher text and random IV from the transmitting terminal to the receiving terminal over a wireless communications link, the wireless link having associated therewith a protocol layer, the changing reference value comprising a protocol layer sequence number. 16. The method of claim 15 further comprising generating an integrity check value at the transmitting terminal based upon the plain text.