A personal identification system (10), particularly for making electronic payments, which comprises a portable identification device (14) in the possession of a first user (12), a local processing device (18) operated by a second user (16), and a remote processing device (22) comprising remote storage means (42), the local processing device (18) and the remote processing device (22) being connected to a telematic communications network (20); the portable identification device (14) comprises a module (28) for generating at least one marker (50), a module (29) for encrypting at least one unique identification code, an e-paper screen (26) adapted to display the at least one marker (50), and command means (30) operated by the first user (12), the at least one marker (50) being readable by the local processing device (18) and comprising the at least one unique identification code, the at least one unique identification code corresponding to a record comprised in the remote storage means (42) and comprising personal identification information belonging to the first user (12).