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    <p>Ok, so to answer my own question...</p> <p>It turned out that the security has no fixed scale of measurement. The security requirements are satisfied as long as the price for braking the system is significantly above the prize that one would get for doing so.</p> <p>In my situation we are talking about e-banking system, but with somewhat low monthly limits (couple of thousands USD). As I mentioned in my question there would be another layer of security above the HTTPS which will feature WSS XML-Signatures. The process of registering the user and accepting the his public key is also done in several steps. In the first step the user sends his telephone number together with a cod retrieved somehow from my client. Then an SMS is sent to the user with a confirmation code. The user enters the confirmation code into a OTP calculator that would produce OTP code which will identify the user. Then the public key is sent to the server together with the OTP code. From here on every request would be signed by the private counterpart of the public key sent to the server earlier.</p> <p>So the biggest weakness for the whole process is that of someone reverse engineers the application and retrieves the client certificate used for the SLL. The only problem arising from this is that someone might observe users' transactions. However in order for someone to make a transaction he would need the user's private key, which is generated, encrypted and stored into the keychain. And the price for braking this security level is VERY HIGH.</p> <p>We will additionally think on how to protect the users' data on a higher level (e.g. using WSS Encryption), but for the start I thing we are good with the current solution.</p> <p>any opinion ?</p> <p>regards </p>
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