Some secure-defects are analyzed in the automatic teller machine(ATM)application. The principle of dynamic-password technique is introduced. An identity authentication system based on the ATM application is designed.

• 对当前自动柜员机(ATM)应用中的安全缺陷进行了分析,介绍了动态口令技术原理,设计了一个基于ATM应用的身份认证系统,并对系统的组成及其功能进行了阐述。