The document proposes two solutions for secure internet banking authentication - one based on short-time passwords using smart cards and symmetric cryptography, and the other based on digital certificates. It discusses attacks on authentication like offline credential stealing and online channel breaking. The short-time password solution involves the user copying a response from their smart card to a bank login form. The certificate-based solution establishes an SSL/TLS channel without client authentication initially and then uses the smart card certificates for authentication. Both solutions offer high security against common attacks but certificate-based authentication may be more attractive long-term as e-IDs spread.