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

1. A system for user authentication and/or authorization, comprising:

a passive card configured to store a first portion of an authentication or authorization code via a set of capacitive points included on a surface of the passive card, wherein the surface of the passive card is divided into different logical areas, each one comprising a set of capacitive points encoding a different first portion, each different first portion configured to authenticate a different service or to authorize a different operation; and

a portable computing device of a user, the 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 of the authentication or authorization code, and to cryptographically sign the decoded first portion using said stored second portion of the authentication and authorization code, 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.

2. The system of claim 1 , wherein the set of capacitive points is invisible to human inspection.

3. The system of claim 1 , wherein some of the capacitive points of the set of capacitive points include information about the user or metadata about a card distributor, the information or metadata being encoded with an encoding system different to the encoding system used to store the first portion of the authentication or authorization code.

4. The system of claim 1 , wherein the set of capacitive points includes at least two capacitive points located in predefined parts of the passive card.

5. The system of claim 1 , wherein the first portion of the authentication or authorization code depends on the shape, size and/or position of the set of capacitive points on the passive card.

6. The system of claim 1 , wherein the portable computing device is a mobile phone, a laptop or a tablet and wherein the second portion of the authentication or authorization code is stored in a subscriber identification module, SIM, of the portable computing device or in a memory thereof with restricted access.

7. A user authentication and/or authorization method, comprising:

storing a first portion of an authentication or authorization code through a set of capacitive points included on a surface of a passive card, wherein the surface of the passive card is divided into different logical areas, each one comprising a set of capacitive points encoding a different first portion, each different first portion configured to authenticate a different service or to authorize a different kind of operation;

storing a second portion of said authentication or authorization code in a portable computing device of a user, the portable computing device having a capacitive screen;

once the user has requested access to a specific service or to a specific operation and when the passive card is in contact with said capacitive screen reading, by the portable computing device, at least some of the set of capacitive points, decoding the first portion of the authentication or authorization code; and

cryptographically signing, by the portable computing device, the decoded first portion using the stored second portion of the authentication or authorization code, providing the authentication or authorization code, which is used as cryptographic key for granting access to said specific service or specific operation to the user.

8. The method of claim 7 , wherein some of the capacitive points of the set of capacitive points include information about the user or metadata about a card distributor, the information or metadata being encoded with an encoding system different to the encoding system used to store the first portion of the authentication or authorization code.

9. The method of claim 7 , wherein the set of capacitive points includes at least two capacitive points located in predefined parts of the passive card, and wherein the set of capacitive points is invisible to human inspection.

10. The method of claim 7 , wherein the first portion of the authentication or authorization code depends on the shape, size and/or position of the set of capacitive points on the passive card.

11. The method of claim 7 , wherein said reading is performed while the passive card is in contact with said capacitive screen in a specific position, including an horizontal position or a vertical position of the passive card, or while the passive card has undergone a specific movement, including a rotation or a swipe of the passive card, and wherein the specific position or specific movement being characteristic of the service or operation requested by the user.

12. The method of claim 7 , wherein the storing of the second portion of the authentication or authorization code in the portable computing device is made after the passive card is given to the user, wherein the second portion is stored in a subscriber identification module, SIM, of the portable computing device or in a memory thereof with restricted access, and wherein in case of lost or thievery of at least the passive card, the latter is blocked during a given period of time or is replaced through a secure channel.

13. A computer program product comprising program code instructions that when executed by a processor of a portable computing device implement a user authentication and/or authorization method by:

dividing the surface of a passive card into different logical areas, each area comprising a set of capacitive points encoding a different first portion of an authentication or authorization code, each different first portion configured to authenticate a different service or to authorize a different kind of operation

reading at least some of the set of capacitive points, said reading being performed when the passive card is in contact with a capacitive screen of the portable computing device and once a user has requested access to a specific service or to specific operation;

as a result of said reading decoding the first portion; and

cryptographically signing the decoded first portion using a second portion of said authentication or authorization key stored in the portable computing device, providing the authentication or authorization code, which is used as cryptographic key for granting access to said specific service or specific operation to the user.