High-safety user multi-authentication system and method

A high-safety user multi-authentication method executed on a user multi-authentication system including a server and a user application unit disposed on a communication device, the method comprising:

• generating a real key corresponding to a user habit information and at least one bait key by a key generator arranged in the server;
• receiving the real key and the at least one bait key by a key receiving unit arranged in the communication device;
• generating a real OTP based on the real key and at least one bait otp based on the at least one bait key by an OTP generator arranged in the communication device;
• providing the real OTP on a user interface of the communication device only when the communication device is operated according to the user habit information.