| 摘要 |
<p>The invention relates to a two-factor anti-fraud system and method for access to, and operation of, telematic banking or electronic commerce services, including card purchases, which require an access code, by generating a different floating code for each transaction. The user first creates a floating code, either directly or by means of a device, from a simple encryption algorithm which transforms his/her PIN code, in order to then use said floating code to request access to the computer system of the solicited service provider which executes, in reverse, the encryption algorithm from the floating code, resulting in the generation of a fixed and unique code for all of the possible generated floating codes and for all of the customers.</p> |
