SYSTEM FOR SECURE AUTHENTICATION OF A USER'S IDENTITY IN AN ELECTRONIC SYSTEM FOR BANKING TRANSACTIONS

摘要

System for secure authentication of a user's identity in an electronic system for banking transactions, said system comprising at least one first user apparatus subject to said secure authentication, and one or more further apparatuses bidirectionally communicating with each other and with said first apparatus, characterized in that: said first apparatus (α) and a second apparatus (β), belonging to said one or more further apparatuses, comprise an equal system generating a random number (Ml) composed of any number of digits, said random number (Ml) being divided into a first part and, respectively, a second part (SGN, CSGN), which are complementary and subsets of said random number (Ml); said first apparatus (α) comprises means for generating, through said generating system, said first part (SGN) and sending it to said second apparatus (β); said second apparatus (β) comprises means for generating, through said generating system, said second part (CSGN) via generation of one or more of said random number (Ml), each one characterized by a corresponding first part (SGN'), and means for comparing said corresponding first part (SGN') thus generated with said first part (SGN) received from said first apparatus (α), determining said second part (CSGN) associated with the corresponding first part (SGN') equal to the first part (SGN) received, and means for sending said second part (CSGN) to said first apparatus (α), thereby attaining said secure authentication of the identity of a user associated with said first apparatus.