ES2214161B1 - DEVICE AND METHOD FOR PROVIDING AUTHENTICATION KEYS FOR BANK TRANSACTIONS ONLINE OR TELEPHONE. - Google Patents

Abstract

Device and method to provide authentication keys for online or telephone banking transactions. The device comprises two sets of keys (C1, C2), which keys are in biunivocal correspondence with first and second coordinates, respectively, of first (Co1) and second (Co2) sets of coordinates randomly supplied by the bank; said sets of keys being found (C1, C2), and their corresponding coordinate sets (Co1, Co2), arranged so that each pair (C1-Co1, C2-Co2) is located in respective portions of elements (1 , 7) that define a closed circuit, preferably in the form of disks, so that each coordinate of each coordinate set (Co1, Co2) corresponds to its corresponding key through at least two display windows (3a, 3b) , below which said elements (1, 7) can be moved operated by a user. The invention also includes a method using said device.

Description

Device and method to provide some authentication keys for online banking transactions or by phone

Field of the Invention

The present invention concerns a device to provide authentication keys for transactions online or telephone banking, and specifically to a secret and individualized key dispensing device for each user, adopting said device preferably forms flattened as a conventional credit card.

The invention also relates to a method for provide authentication keys for transactions online or telephone banking based on the use of cited device.

Background of the invention

Different devices are known for authenticate bank transactions with characteristics of Very diverse security. Some examples of such devices are those set forth in the following representative documents of the state of the art:

Document US2002 / 0120583 proposes, among others, a code dispensing device comprising means of storage to store a set of codes, a means of action to make the device dispense one of the codes and display means to display the codes dispensed The means of action are normally buttons and storage media a memory, and the device normally You need a power source for its operation. the same dispenses a different code for each press of each button, without enter any entry code supplied by a third.

Patent application WO-A-03007541 proposes a system portable storage and issuance of preset keys for Authentication and an authentication procedure. The system it comprises a table in which a series of previously generated keys randomly, and their operation is based on sharing said table between at least two interlocutors in order to identify each other through the Exchange of some of those keys. Just as it happened in the background explained above the proposed system comprises electronic elements (processor, memory, etc.), so which operation is associated with the need to use a suitable source of electrical energy obtained, according to an example of preferred embodiment explained in the document, by means of a panel solar associated to a converter.

A simpler, and better known, version of the system proposed in the previous application is the one that materializes simply in the form of a personal key card that carries printed on its surface a table of keys based on a limited sequence of numbers, without the need for any kind of associated electronics.

The user authentication system generally used is that to access the service via the Internet or by telephone, the entity's client financial is identified with a unique user code, accompanied of a password or PIN (personal identification number). Exceeded this first level of security and authorized access by the computer systems of the financial entity that provides the services, in general the client has access to inquiries from information and certain limited operations. By requiring to do operations involving money movements of the accounts of the customer such as transfers, purchase of securities, etc., the systems computer technicians require you to enter the corresponding number on your personal key card, to the coordinates that form Random are requested. Each customer has different numbers in their card, so if the number is correct, the bank considers that the client is the authentic one, the signed operation and proceeds to its processing, since only the cardholder You can provide the requested number.

The main advantages of the use of conventional key cards such as mentioned are the following:

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Manageable format : The credit card size makes it easy for it to be transported, stored and guarded in a similar way to a credit card and with similar security criteria.

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Ease of use : For the user it represents reading on the obverse the key corresponding to the coordinate requested to confirm the operation, be it from Telephone Banking or Internet Banking. In the case of Telephone Banking, other more robust technological alternatives are not viable (Chip Cards, Token PKI).

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Additional security level : Complementary to the identification based on User + Word or pass-through PIN, which, when fixed, entails risks of being known by third parties. Systems based only on the computer keyboard entry of identification codes are vulnerable to computer viruses that may inadvertently obtain the information entered by the keyboard.

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Economic production : Manufacturing costs, including the incorporation of custom key numbers for each user are very low.

But the use of key cards conventional entails certain disadvantages and risks from the security point of view, due to its ease in revealing the confidential information of the keys that contain third parties:

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Visibility of the keys : The numbers of keys are printed in the form of a table on one side of the card, so they are always visible simultaneously and therefore can be easily copied or photocopied in an oversight of the owner.

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Limited number of keys : The number of different keys that fit on the surface of a card is small (from 40 to 100), therefore there is a high repetition frequency, in the different operations performed by a user.

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Virus attacks on the user's PC : In recent times, with the massive use of the Internet on users' PCs and the proliferation of connectivity applications, starting with email, IRC (Internet Relay Chat), network games , downloading music and a variety of applications that use P2P protocols, the risk of infection by viruses and other malicious codes is very high. The risk for Electronic Banking in general and key cards in particular is derived from the proliferation of a particular type of programs known as "Trojans" or "Spyware", designed to spy on user behavior, mainly when they are connected to Internet. These types of programs can be designed to explore the operation of Electronic Banking, analyzing the information entered by the keyboard, registering and sending to third parties the connection PINs and the keys requested in the operations, so that the very limited number of keys available In a conventional key card makes them extremely vulnerable to such attacks. This type of software uses camouflage systems, it is not easily detectable by antivirus programs and does not cause visible effects on the computer, so they go unnoticed and can act for a long time. In some cases they come camouflaged through emails that simulate coming from the original financial entities, containing links to web pages that also simulate the originals in all details, to of course proceed to request the identification keys.

Explanation of the invention.

It appears therefore necessary to offer an alternative to state of the art that, while retaining the advantages provided by the same, overcome your limitations and inconveniences as soon as, above all, to security problems when authenticating Online banking operations.

The present invention concerns a device to provide authentication keys or secret keys for online or telephone bank transactions that understands:

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a first set of keys, which keys are in correspondence biunivocal with first coordinates of a first set of coordinates, likely to be randomly requested by the Bank;

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to the minus a second set of keys, which keys are in biunivocal correspondence with second coordinates of a second set of coordinates, likely to be requested randomly by said bank;

said sets of keys, which are at least two, and their corresponding sets of coordinates, arranged so that each pair key-coordinate is located in some respective portions of some elements of the device, which define a closed circuit, so that each coordinate of each coordinate set corresponds to its corresponding key through at least two viewing windows, below which said elements, which are at least two, defining said closed circuits can be moved actuated by a Username.

The proposed device preferably has shape and size of credit card to facilitate it saved and guarded similar to a credit card and with similar criteria.

The fundamental difference of the device proposed with respect to conventional key cards is that it has a large number of different keys (for example 10,000 depending on the size of the characters used) instead of approximately 40 of a normal card, and also being said keys arranged so that only one of them is visible in a given moment, leaving all the others hidden, while In a normal card all keys are visible. Therefore not It can be photocopied. The increased security regarding the risk of revealing the keys it contains to third parties is evident, even in the case of having the computer "intervened", because the cadence Repeat random keys is very long, and you have to perform Many operations before there is no repetition. So clearly improves security aspects, since a user can perform a large volume of operations during a long period of time, without the entity sending you a coordinate repeated in some previous operation, so that if you have a "Spyware" type program installed on your PC unnoticed, to reveal the keys used to a remote criminal, this one cannot easily impersonate you for carry out fraudulent operations in your favor.

The device proposed herein invention, like the conventional key card, is also usable for Telephone Banking, providing a level of additional security to this intrinsically unsafe channel.

Brief description of the drawings

The above and other features and advantages of the present invention will be better understood from the following detailed description of some embodiments with reference to the accompanying drawings, which should be taken at illustrative and non-limiting title, and in which:

Fig. 1 shows an exploded view in perspective of the device proposed by the present invention, where you can see all the elements that are part of the same for a preferred embodiment example,

Fig. 2 shows a view, also in perspective, of the device shown in Fig. 1 once all its elements have been assembled,

Fig. 3 is a view of part of Fig. 1, from an outer and front face, where you can see a first disk or support element placed in its corresponding place, Y

Fig. 4 is a front view of part of the Fig. 1, from a point that allows to appreciate a second disk or support element placed in its corresponding place.

Detailed description of an embodiment example

As the attached figures show the device to provide keys or secret keys of authentication for online banking transactions or telephone, proposed by the present invention, comprises:

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a first set of C1 keys, which keys are in correspondence  biunivocal with first coordinates of a first set of Co1 coordinates, likely to be randomly requested by the bank;

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a second set of C2 keys, which keys are in biunivocal correspondence with second coordinates of a second set of Co2 coordinates, likely to be randomly requested by said bank;

said sets of keys C1, C2 and their corresponding sets of Co1 coordinates, Co2, arranged so that each C1-Co1 pair, C2-Co2 is located in respective portions of elements 1, 7 of the device, which define a closed circuit, so that each coordinate of each set of coordinates Co1, Co2 corresponds to its corresponding key to through two display windows 3a, 3b, below the which said defining elements 1, 7 of said circuits closed, can be moved operated by a Username.

For other embodiments (not shown) there could be more than two sets of keys associated with their corresponding sets of coordinates, and therefore of elements over those who are willing.

As can be seen in Fig. 1, those cited at minus two elements 1, 7 are superimposed without interference in the area of the mentioned display windows 3a, 3b and se they find materialized in the form of a first 1 and a second 7 discs, rotatably mounted on the device thanks to some articulation means included therein.

In the figures it can be seen how much the coordinate sets Co1, Co2 like those of keys C1, C2 are visually accessible through two single windows 3a, 3b distanced and in opposition, although a number different from viewing windows, as well as an arrangement different from them on the device, it is possible for others realization examples (not shown).

The proposed device comprises a structure base E which in turn comprises at least a first laminar element 2 with at least one first articulation guide A1 in one of its faces, or inner face Ci1, in the form of a circular recess Al, in which at least one is rotatably coupled corresponding circular projection B1 of at least said first disk 1, in fact for the preferred embodiment shown in the Figs. 1 and 3 only includes an articulation guide A1 for articulate the first disc 1, defining said first element laminate 2 said two windows 3a, 3b.

In the same figure it can be seen as said base structure E comprises a second laminar element 4 with a inner face Ci2 attached at least in part to said face interior Ci1 of the first laminar element 2, trapping the first disk 1 between both laminar elements 2, 4 so that allow it to rotate freely with respect to said first guide of articulation A1.

In the example illustrated for the union of the laminar elements 2 and 4, forming a card-like assembly (see Fig. 2) intermediate elements are provided or separators in the form of about third and fourth 9 elements lamellas joined by one of their faces to the inner face Ci1 of the first laminar element 2 and on its other face to the inner face Ci2 of the second laminar element 4, holding both together, and of such that they define an intermediate space e_ {i} between them liable to be occupied by both disks 1, 7, so that They can turn freely. Said union is preferably achieved. by a heat welding process.

As regards the said second disk 7, this one is rotatably articulated with respect to a second articulation guide A2, in the form of a circular recess A2, in which is rotatably coupled a corresponding circular projection B2 of the second disc 7, allowing it to rotate freely once caught by the two laminar elements 2, 4 a  once united. All this can be seen in Figs. 1 and 4

It should be noted that the aforementioned Al recesses, A2 do not fully pierce the thickness of their respective laminar elements 2, 4, so that they are not visible from the outside.

If discs 1, 7 are carefully observed shown in Fig. 1 can be seen as the coordinates of the first coordinate set Co1 are distributed along a first circumference of the first disc 1 concentrically, and the keys of the first set of keys C1 are distributed as along a second circumference of the first disc 1, also of concentric way, with a smaller radius than the first one circumference, and that the coordinates of the second set of Co2 coordinates are distributed along a first circumference of the second disk 7 concentrically, radius less than said first circumference of the first disc 1 and greater than that of said second circumference of the first disc 1, and the keys of the second set of keys C2 are distributed to along a second circumference of the second disk 7, also concentrically, with a radius smaller than that of the first circumference of the second disc 7 and higher than the second circumference of the first disc 1. In other words, when the two discs 1, 7, the two circumferences of the second disc (7) they are interspersed between those of the first (1).

In addition and as seen in the drawings and particularly in Figs. 3 and 4, the two cited windows 3a, 3b they are displaced with respect to an axis transverse to the device as a card (on whose axis are the centers of the two disks 1, 7), so that through a first window 3a of said two windows 3a, 3b see the coordinates of the first coordinate set Co1 and to its right the coordinates of the second set of Co2 coordinates and through a second window 3b you see the keys of the first set of keys C1 and a its right the keys of the second set of keys C2.

For another embodiment example (not shown) the radii of the mentioned circumferences should not be related to each other in a way as concrete as described, but they would need to be such that through one of said windows 3a, 3b could be seen, adjacently, the coordinates of the first Co1 and second Co2 sets of coordinates, and in another of said windows 3a, 3b could be seen, of adjacently, the keys of the first C1 and second C2 key sets, as with the described arrangement above and illustrated by Fig. 1.

In order to allow to see the coordinates and keys of the second disk 7 through the first disk 1 and through also of the two windows 3a, 3b, from the outer face of the first laminar element Ce1, the first disc 1 is transparent to the less in the areas coinciding with the coordinates and keys of the second disc 7, when both discs are placed in position, it is say when the first disk 1 overlaps the second disk 7.

In both figures it looks like the two elements Layers 2, 4 that form the base E structure have the same size and shape, rectangular, matching its contours once joined in an overlapping manner, thus adopting the device the form of a card. For other embodiments the form could be a different one that is considered adequate.

To be able to access disks 1, 7 and that a user can activate them, that is to say, turn them, for example with one finger each, the laminar elements 2, 4 have first recesses 5a, 5b each on one of its sides (in Figs. 1 and 3 on the upper side), both matching when overlapping, so that it is possible to access the first disk 1, and the elements Layers 2, 4 have second recesses 6a, 6b each in other side (in Figs. 1 and 4 on the lower side), matching both when overlapping, so that it is possible to access the second disk 7, so that none of the two discs 1, 7 protrude from the card body. The mentioned recesses are clearly seen in Figs. 1, 3 and Four.

In order that, once coupled said corresponding circular projection B1 of the first disk 1 in said first articulation A1, the mentioned access to the first disc 1 is possible only through the first recesses 5a, 5b and not either through the second recesses 6a, 6b, and the first disk 1 does not protrude from the outer contour of the base structure E, or body of the card, the center of the first guide of joint A1 is displaced transversely with respect to to the center of the laminar elements 2, 4, or center of the card, in the direction of said first recesses 5a, 5b.

The same goes for access to the second disc 7, that is to say that the center of the second articulation guide A2 is displaced transversely with respect to the center of the laminar elements 2, 4, in the direction of said second recesses 6a, 6b, so that when said coupling corresponding circular projection B2 of the second disk 7, the second disk 7 is accessible through the second recesses 6a, 6b and it is not through the first recesses 5a, 5b, without the same protrudes from the outer contour of the base structure E.

These displacements are, in a way preferred, of the order of a few millimeters. In the example of preferred embodiment shown in Fig. 1 the center of the guide joint A1 is displaced transversely, upwards, about 2 mm from the center of the card, and the center of articulation guide A2 about 2 mm down.

Preferably both discs 1, 7 are made of a sliding material to allow their free rotation When they are in contact.

In discs 1, 7 reflected in Fig. 1 the coordinates of the first Co1 and second Co2 sets of coordinates are sequentially arranged along their respective circumferences, and the keys of the first C1 and second C2 key sets are arranged randomly, and unique for each device, and therefore for each user, at along their respective circumferences.

Said keys and coordinates are preferably alphanumeric characters, specifically numbers, and although obviously the number of digits could be the one needed to contribute the desirable level of security, most preferably are numbers two digits each (from 00 to 99 for example), as shown in the exemplary embodiment illustrated by Figs. 3 and Four.

In Fig. 3 one of the coordinates of the first set of Co1 coordinates can be seen, in the form of a two-digit number (in the figure marked in bold the digits " 12 " by way of example), seen through a left portion of the first window 3a, and a corresponding key of the first set of keys C1, also in the form of two digits (in the figure marked in bold the digits " 54 " by way of example), seen through a portion left of the second window 3b. The coordinates and keys of the second disk 7 are shown in Fig. 3 with a thin line ("34" and "38" respectively), thus pretending to show what would be seen in practice in both windows if both discs were included in the figure, which has not been done for that figure.

As far as Fig. 4 is concerned, in it you can see the second disc 7 directly (although for clarity purposes no more than keys and coordinates have been shown specific), and although in the view shown you should not see the windows 3a, 3b, these have been drawn with dashed lines to a better understanding of the proposed device and its functioning.

This figure shows one of the coordinates of the second set of Co2 coordinates, in the form of a two-digit number (in the figure marked in bold digits " 34 " by way of example), seen through a right portion of the first window 3a, and a corresponding key of the second set of keys C2, also in the form of two digits (in the figure marked in bold the digits " 38 " by way of example), seen through a right portion of the second window 3b. The coordinates and keys of the first disk 1 are shown in Fig. 4 with a thin line ("12" and "54" respectively), thus pretending to show, as in the previous figure, what would be seen in practice in both windows if both disks were included in the figure, which has not been done for said Fig. 4.

For these cases where the number of digits is relatively high, (two or three digits for each coordinate or key, for example) if the size of the windows 3a were retained, 3b, the size of the numbers would have to be reduced so that fit into said windows 3a, 3b. This could impact in greater difficulty to see the digits, so it has provided that the proposed device comprises some elements optics, such as lenses, arranged in or on the windows 3a, 3b, thus increasing the visual size of the digits.

The arrows drawn in Figs. 3 and 4 they represent the senses in which a user is capable, by example with one of your fingers, to rotate the first 1 and second 7 discs (Figs. 3 and 4, respectively) in order to select the coordinates in the first window 3a and get like this from uniquely, the keys in the second window 3b.

The advantages offered by the present invention they are also in the fact that manufacturing costs to get the device are relatively low, including the printed incorporation of key numbers on disks customized for each user. Also the elements of Fixed and mobile construction are simple and simple to produce in Serie.

Once united all the elements that make up the device, which are preferably plastic, containing discs 1, 7 inside, it acquires the form of a card with a thickness slightly greater than that of a card credit, combining robustness characteristics and flexibility.

The first laminar element 2 can be printed on its outer face Ce1 graphic and / or written information, with the purpose, for example, to advertise or expose the logos of the entity, support phones and any of the elements identification and promotional of the entity that provides the services. You can also enter the serial number Identification of the card.

Preferably the inner face Ci2 of the second laminar element 4 has its white inner part for to be able to read the numbers arranged in the discs 1, 7, in case both are transparent, although this is not necessary if the second disk 7 is not transparent, although said second disk 7 if it should be white to keep said contrast and facilitate readability.

In order to achieve greater security, the Proposed device may include printed, in a visible area for a user, a series of additional keys or secret keys of correspondence transport, by means of a table, with a series of transport coordinates, said transport keys being liable to be combined and / or operated with the keys of the first C1 and second set C2 of keys, to obtain a key or secret key resulting much harder to find out by a foreign person even and in the event that a device computer used to send these keys could be affected by a computer virus of the aforementioned.

The present invention also concerns a method to provide authentication keys for Online or telephone banking transactions in which you use the proposed device, illustrated in the drawings attached, and which method comprises the following steps:

a) supply at least a first coordinate randomized from an online bank, through a network of communications, to a user who has requested, through said network, to initiate a bank transaction through said bank, with in order to initiate a process of authentication of said Username,

b) require, said online bank, to said user who supplies a first key or secret key, identification, in correspondence with said first coordinate random

c) consider, the user, said first random coordinate as one of the coordinates of the first Co1 coordinate set of the claimed device, and select it in it to display it in the first window 3a and then obtain, in a unique way, one of the secret keys of the first set of keys C1, displayed through the second window 3b, and

d) consider, the user, said secret key of the first set of keys C1 as said first key identification and supply it to the bank online in order to Finish the aforementioned authentication process.

For a preferred embodiment example said step a) also includes the supply of a second coordinate randomly from said bank, online, through said network of communications, to said user,

said step b) further comprises requiring, said online bank, to the user that provides a second secret key identification in correspondence with said second coordinate random

said step c) further comprises considering, the user, said second random coordinate as one of the coordinates of the second set of Co2 coordinates of the device claimed, and select it in it to display it in the first window 3a and then univocally obtain one of the secret keys of the second set of keys C2, displayed at through the second window 3b, and

said step d) further comprises considering, the user, said secret key of the second set of keys C2 as said second identification key and provide it to the bank in line in order to finalize the aforementioned process of authentication

The random coordinates provided by the financial entity (either Telephone Banking or in operation by Internet) are, according to a preferred execution example, a random number between 0000 and 9999. This implies that adaptations to computer systems that were already using conventional key cards, for implementation They are simple: In transactions that request randomly and validate the two-digit coordinate, become four. He algorithm for generating random numbers from the number of card, it is replaced so that it supplies four digits.

To achieve greater security in the authentication of bank transactions, instead of transmit to the bank in said step d) the two secret keys in response to each of the random coordinates provided previously by said bank, it is optionally provided that the bank supplies a third random coordinate which is taken as an entry to a table printed on the card to obtain a third secret key (from the aforementioned set of transport keys) which is then operated with the two previous secret keys obtained, to send to the bank a single resulting secret key of said operation.

The operation to be carried out with the mentioned three secret keys can be from a simple sum to a system of complex equations, and even, if deemed necessary, customized for each user.

A subject matter expert could introduce changes and modifications in the described embodiments, both as regards the device and the method, without out of the scope of the invention as defined in the attached claims.

Claims (24)

1. Device to provide some keys to authentication for online banking transactions or telephone that includes:

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a first set of keys (C1), which keys are in biunivocal correspondence with first coordinates of a first set of coordinates (Co1), likely to be randomly requested by a bank;

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to the minus a second set of keys (C2), which keys are in biunivocal correspondence with second coordinates of a second set of coordinates (Co2), likely to be randomly requested by said bank;

said sets of keys (C1, C2), which are at least two, and their corresponding coordinate sets (Co1, Co2), arranged so that each pair (C1-Co1, C2-Co2) is found located in respective portions of elements (1, 7) of the device, which define a closed circuit, so that each coordinate of each coordinate set (Co1, Co2) is corresponds to its corresponding key through at least two display windows (3a, 3b), below which said elements (1, 7), which are at least two, defining these closed circuits, can be moved operated by a Username. Device according to claim 1, characterized in that said at least two elements (1, 7) are superimposed without interference in the area of said display windows (3a, 3b), which are at least two. 3. Device according to claim 2, characterized in that the two sets of coordinates (Co1, Co2) and keys (C1, C2) are visually accessible through only two spaced apart windows (3a, 3b). Device according to claim 3, characterized in that said two windows (3a, 3b) are in opposition. Device according to claim 4, characterized in that said elements (1, 7) are respectively a first (1) and a second (7) discs and because the device comprises articulation means to allow the rotational assembly of said discs

 \ hbox {(1, 7).} 

Device according to claim 5, characterized in that it comprises a base structure (E) with at least one first laminar element (2) with at least one first articulation guide (A1) on one of its faces, or inner face (Ci1) , in the form of a circular recess (A1), in which at least one corresponding circular projection (B1) of at least said first disk (1) is rotatably coupled, said first laminar element (2) defining said two windows (3a, 3b). Device according to claim 6, characterized in that said base structure (E) comprises a second laminar element (4) with an inner face (Ci2) attached, at least in part, to said inner face (Gi1) of the first laminar element (2), trapping at least the first disc (1) between both laminar elements (2, 4) in such a way that they allow it to rotate freely with respect to said first articulation guide (A1). Device according to claim 7, characterized in that it also comprises at least a third (8) and fourth (9) spacer laminar elements joined by one of its faces to the inner face (Ci1) of the first laminar element (2) and its another face to the inner face (Ci2) of the second laminar element (4), holding together both laminar elements (2, 4) in such a way that they define an intermediate space (e_ {i}) between them capable of being occupied by both discs (1, 7), so that they can rotate freely. Device according to claim 7, characterized in that said second disk (7) is rotatably articulated with respect to a second articulation guide (A2) disposed on the inner face (Ci2) of said second laminar element (4), in the form of a circular recess (A2), in which a corresponding circular projection (B2) of the second disk (7) is rotatably coupled, allowing it to rotate freely once caught by the two laminar elements (2, 4) once joined . Device according to claim 3, characterized in that the coordinates of the first set of coordinates (Co1) are distributed along a first circumference of the first disk (1) concentrically, and the keys of the first set of keys (C1) they are distributed along a second circumference of the first disk (1), also concentrically, and because the coordinates of the second set of coordinates (Co2) are distributed along a first circumference of the second disk (7) so concentric and the keys of the second set of keys (C2) are distributed along a second circumference of the second disk (7), also concentrically. Device according to claim 10, characterized in that the two said windows (3a, 3b) are displaced with respect to an axis transverse to the device, on whose axis the centers of the two discs (1, 7) are located, so that through a first window (3a) of said two windows (3a, 3b) the coordinates of the first coordinate set (Co1) are seen and to its right the coordinates of the second coordinate set (Co2) and through a second window ( 3b) you see the keys of the first set of keys (C1) and to your right the keys of the second set of keys (C2). 12. Device according to claim 7, characterized in that the two laminar elements (2, 4) that form the base structure (E) have the same size and shape, rectangular, their contours coinciding once joined in an overlapping manner. 13. Device according to claim 12, characterized in that the first disk (1) is at least partly transparent so that when it is superimposed on the second disk (7), it allows to see the coordinates and keys of the second disk (7) therethrough and also through the two windows (3a, 3b), from the outer face of the first sheet element (Ce1). 14. Device according to claim 8, characterized in that the laminar elements (2, 4) have first recesses (5a, 5b) each on one of their sides, both coinciding when they are superimposed, in order to access the first disc (1) and actuate it and because the laminar elements (2, 4) have second recesses (6a, 6b) each on another of their sides, both coinciding when they are superimposed, to be able to access the second disk (7) and activate it. 15. Device according to claim 14, characterized in that the center of the first articulation guide (Al) is displaced transversely with respect to the center of the laminar elements (2, 4), in the direction of said first recesses (5a, 5b), so that when said corresponding circular projection (B1) of the first disk (1) is coupled, the first disk (1) is accessible through the first recesses (5a, 5b) and is not accessible through the second recesses (6a , 6b), without it protruding from the outer contour of the base structure (E). 16. Device according to claim 15, characterized in that the center of the second articulation guide (A2) is displaced transversely with respect to the center of the laminar elements (2, 4), in the direction of said second recesses (6a, 6b), so that when said corresponding circular projection (B2) of the second disk (7) is coupled, the second disk (7) is accessible through the second recesses (6a, 6b) and is not through the first recesses (5a , 5b), without the same protruding from the outer contour of the base structure (E). 17. Device according to claim 16, characterized in that both discs (1, 7) are made of a sliding material to allow their free rotation when in contact. 18. Device according to claim 10, characterized in that the coordinates of the first (Co1) and second (Co2) coordinate sets are sequentially arranged along their respective circumferences, and the keys of the first (C1) and second (C2 ) Key sets are arranged randomly, and unique to each device, along their respective circumferences. 19. Device according to claim 18, characterized in that said keys and coordinates are alphanumeric characters 20. Device according to claim 18, characterized in that said keys and coordinates are numbers of at least two digits. 21. Device according to any of the preceding claims, characterized in that it has printed, in a visible area for a user, a series of additional keys or corresponding transport keys, by means of a table, with a series of transport coordinates, said keys being of transport capable of being combined or operated with the keys of the first (C1) and second (C2) key sets. 22. Method for providing keys to authentication for online banking transactions or by telephone using a device according to any one of claims 1 to 21, comprising the following Steps: a) supply at least a first coordinate randomized from an online bank, through a network of communications, to a user who has requested, through said network, to initiate a bank transaction through said bank, with in order to initiate a process of authentication of said Username, b) require, said online bank, to said user who provides a first identification key in correspondence with said first random coordinate, c) consider, the user, said first random coordinate as one of the coordinates of the first coordinate set (Co1) of the claimed device, and select it in it to display it in the first window (3a) and obtain in a unique way one of the keys of the first key set (C1), displayed through the second window (3b), and d) consider, the user, said key of the first key set (C1) as said first identification key and supply it to the bank online in order to finalize the aforementioned authentication process 23. Method according to claim 22, characterized in that: said step a) further comprises providing a second random coordinate from said online bank, to through said communications network, to said user, said step b) further comprises, requiring, said online bank, to the user that provides a second password identification in correspondence with said second coordinate random said step c) further comprises, considering, the user, said second random coordinate as one of the coordinates of the second coordinate set (Co2) of claimed device, and select it therein to visualize it in the first window (3a) and obtain in a unique way one of the keys of the second key set (C2), displayed at  through the second window (3b), and said step d) further comprises considering, the user, said key of the second set of keys (C2) as said second identification key and provide it to the bank online with in order to finish the aforementioned authentication process. 24. Method according to claim 23, characterized in that a third random coordinate from said bank is provided online, through said communications network, to said user and because from said third coordinate a corresponding key is obtained by consulting a table printed on the device, said key being provided by said table operated with the aforementioned keys (C1 C2) obtained in step d) to provide a single resulting key that is sent to the bank.