Method and system for ensuring the security of the remote supply of services of financial institutions

System enabling customers of a bank or insurance company to securely and quickly access services offered by the bank or insurance company to customers thereof, from a remote location, the system comprising:

• a card, said card having a length and width substantially the same as a length and width of a credit card, said card being customized by identifiers specific to each card and to each customer, and provided to customers;
• said card comprising:
• emission means for emitting short acoustic DTMF identification signals, said emission means being activatable by the customer with an activation element accessible from an outside of said card,
• encryption means for at least partly encrypting said acoustic signals and varying said acoustic signals each time said signals are emitted,
• an incremental counter interconnected to said emission means and said encryption means, said incremental counter being incremented by at least one unit whenever said card emits said acoustic signals,
• a telephone handset comprising a microphone for receiving said acoustic signals and said acoustic signals into electronic signals that can be transmitted through a communications network,
• wherein a state of said incremental counter is sent to computer means, and said acoustic signals are encrypted as a function of said state of said incremental counter,
• said computer means being connected to said communications network and being remote from said card, said computer means comprising:
• a database containing said identifiers specific to each said card and each said customer,
• means for storing a state C(p,m) of said incremental counter at a time of a last validated operation,
• means for comparing a state C(p,n) of said incremental counter emitted during a current operation with said state C(p,m) of said memorized incremental counter,
• such that said computer means refuses the current operation if C(p,n) is less than or equal to C(p,m), and continues the current operation if C(p,n) is greater than C(p,m)
• processing means and comparison means for comparing said electronic signals with said identifiers contained in said database,
• said processing means and said comparison means including means for calculating expected electronic signals as a function of said state C(p,n) of said incremental counter and said identification data, and comparing said expected electronics signals with said transmitted electronic signals,
• wherein if said transmitted electronic signals conform with said expected electronic signals, the customers may then immediately be connected to the services offered by the bank or insurance company.