Abstract: A system to sign and authenticate secure transactions with an institution through a communications network, comprising a terminal connected to a communications network; a remote server with a database that stores for each user the user data userID, a private password encrypted K?priv, userID, a first security password K?mac, userID to generate an authentication password Kmac, userID and an identifier of the mobile device, Id?cel,userID; a mobile communication device of a user comprising a security code pin; an application, a transport password Ktransporte; a public password encrypted K?pub, userID and a second security password K?mac, userID for generating said authentication password Kmac, userID; and a remote hardware security module. A method to sign and authenticate secure transactions with an institution through a communications network with said system.

Abstract: A system to sign and authenticate secure transactions with an institution through a communications network, comprising a terminal connected to a communications network; a remote server with a database that stores for each user the user data userID, a private password encrypted K?priv, userID, a first security password K?mac, userID to generate an authentication password Kmac, userID and an identifier of the mobile device, Id?cel,userID; a mobile communication device of a user comprising a security code pin; an application, a transport password Ktransporte; a public password encrypted K?pub, userID and a second security password K?mac, userID for generating said authentication password Kmac, userID, and a remote hardware security module. A method to sign and authenticate secure transactions with an institution through a communications network with said system.