Secure certification and transaction method with combination of digital certificate and one-time password

The invention discloses a secure certification and transaction method with the combination of a digital certificate and a one-time password. The method comprises two steps of: a secure certification method and a secure transaction method. The secure certification and transaction method specifically comprises the steps of: first, performing bidirectional certification between a client and a serveron the basis of the digital certificate; then, realizing secure certification through the combination of the digital certificate and the one-time password on the basis of the bidirectional certification; and finally, realizing secure transaction through the combination of the digital certificate and the one-time password on the basis of the bidirectional certification. By the method, the identities of users are confirmed by combining the digital certificate and the one-time password so as to realize the secure login and secure transaction of various application systems. By the method, the digital certificate and the one-time password are organically combined, so that the safety hidden trouble caused by separately using the digital certificate or the one-time password is avoided, respective security advantages of the digital certificate and the one-time password are fully exerted, various attacks can be resisted, high security is achieved, the demand of various high security application in the network can be met, and the method has higher practical value and broad application prospect in the field of network security technology.