System, method and computer programs for user authentication and/or authorization

Abstract

The system includes a passive card () configured to store a first portion of an authentication or authorization code via a set of capacitive points () included on its surface; and a portable computing device () having a capacitive screen and being configured to store a second portion of said authentication or authorization code. Such that, once the user () has requested access to a specific service or to a specific operation and when the passive card () is in contact with the capacitive screen, the portable computing device () is further configured to read at least some of the set of capacitive points (), decoding the first portion, and cryptographically signing the decoded first portion using said stored second portion, providing the authentication or authorization code, which is used as cryptographic key to grant access to said specific service or specific operation to the user ().