Disclosed is an off-line user authentication system, which is designed to present a presentation pattern to a user subject to authentication, and apply a one-time-password derivation rule serving as a password to certain pattern elements included in the presentation pattern at specific positions so as to create a one-time password. An off-line authentication client pre-stores a plurality of pattern element sequences each adapted to form a presentation pattern, and a plurality of verification codes created by applying a one-time-password derivation rule to the respective presentation patterns and subjecting the obtained results to a one-way function algorism. A presentation pattern is created using one selected from the stored pattern element sequences, and presented to a user. A one-time password entered from the user is verified based on a corresponding verification code to perform user authentication. The present invention provides an off-line matrix authentication scheme with enhanced security.