E-banking technology is encountering problems such as insecure existing infrastructures for electronic interchanges and lack of integration between different banks at net banking in Iran. Variety of debit cards and payment gateways belonging to different banks involve users with challenge of memorizing numerous credentials and risk of phishing or other problems. Unlike people's belief that think they’ll have more security in this way, issuing different credentials for a unique identity hazards his/her security because some people due to inability to memorize these credentials, write down them in places that other people could access. So, there's a need to a unified authentication and authorization system that issues unique certificates under supervision of central bank, and an obligation to be authorized from a unique system to do internet transactions. Such a system saves users from multiple authentications and different credentials' problems and provides them to do their transactions with less apprehension and more security.