KR20100136288A - System and method for mananging otp by multiple authentication mode with biometrics, mobile phone and recording medium - Google Patents

Abstract

PURPOSE: OTP(One Time password) operating method of a plurality of authentication method interlocking with brio recognition, a system of the same, a cellular phone for the same, a recording medium thereof are provided to supply OTP generating information interlocked with a bio recognition of a user in a server on a communication network when a cellular phone authenticates firstly and secondly as valid OTP medium. CONSTITUTION: A server firstly authenticates a cellular phone as an OTP generating N digits of OTP(445). The server secondly authenticates a cellular phone as the OTP medium(465). When firstly and secondly authenticating a cellular phone as the OTP medium, the server transmits OTP generating information related to bio recognition of a user from a storing medium to the cellular phone(470). The cellular phone receives OTP generating information. The cellular phone generates N digits of an OTP(475).

Description

System and Method for Mananging OTP by Multiple Authentication Mode with Biometrics, Mobile Phone and Recording Medium}

1 is a diagram illustrating a mobile phone function configuration having a function of generating an OTP according to an embodiment of the present invention.

2 is a diagram showing the configuration of a mobile phone OTP system according to an embodiment of the present invention.

3 is a diagram illustrating an OTP medium registration process according to an embodiment of the present invention.

4 is a diagram illustrating an OTP generation process according to an embodiment of the present invention.

5 is a diagram illustrating a biometric processing process according to an embodiment of the present invention.

6 is a diagram illustrating an OTP authentication process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: mobile phone 105: control unit

110: screen output unit 115: sound processing unit

120: key input unit 125: biometric recognition unit

130: battery 135: wireless communication unit

140: USIM 145: USIM leader

150: memory unit 155: biometric processing unit

160: user authentication unit 165: index processing unit

170: authentication processing unit 175: code generation unit

180: code transmitter 185: receiver

190: OTP generating unit 195: OTP output unit

According to the present invention, one or more information sets for authenticating the mobile phone as an OTP medium through a communication network are stored (or set) in a universal subscriber identity module (USIM) or a memory area of a user mobile phone used as an One Time Password (OTP) medium. Then, OTP medium authentication including at least one of the information set stored in the USIM / memory and the biometric information recognized from the user's living body (eg fingerprint, iris, retina, face) at the time of using the mobile phone as an OTP medium Transmitting the OTP generated through the information and the terminal-side OTP generation information to a server on a communication network, thereby first authenticating the mobile phone to a valid OTP medium through the OTP medium authentication information at the server on the communication network, and through the received OTP. After the first authentication of the mobile phone with a valid OTP medium, the user's biometric recognition according to the first and second OTP medium authentication results By providing associated OTP generated information to the cellular phone, to provide a method and system for generating and outputting the OTP of N digits via the OTP generation information from the mobile phone.

With the development of information and communication technology, non-face-to-face transactions using telecommunication networks are activated, non-face-to-face transaction providers must verify that users connected through telecommunication networks are valid traders and prepare for any incidents that may occur.

In the non-face-to-face transaction as described above, the most common method of authenticating a user connected through a communication network is used to authenticate using ID / PW. It is used to identify the trader rather than being used.

As a non-face-to-face transaction authentication method that is more advanced than the ID / PW method, an authentication method using an official certificate is used, and a medium (for example, a computer) on which the official certificate is recorded is hacked, When processing a non-face-to-face transaction through the installed terminal, the official certificate also has a problem that does not provide a reliable degree of face-to-face transaction authentication.

One time password (OTP) is used as a method for solving the problems of the above-mentioned public certificate. The OTP exchanges / shares one or more fixed seed values and fixed seed values dynamically determined at the time of generating the password, and then the fixed seed identified / determined at the point of non-face authentication by each trading party. By assigning a value and a dynamic seed value to a predetermined code generation algorithm (eg, a hash function) to generate an OTP that can be used once, and exchanging and authenticating the generated OTP, even if the OTP is exposed, the same OTP can be reused. Since it is not possible, it is used as a safer authentication means for hacking than other authentication means.

As described above, in order to generate an OTP, a user has to carry a portable device called an OTP generator. Recently, an OTP generator program (for example, an OTP generator algorithm) is implemented in a mobile phone that the user always owns. It is proposed to install a program code and seed value and use it as an OTP generator.

However, the conventional mobile phone OTP generator implements the OTP generator in the form of a portable device in the form of program code on a mobile phone. The OTP generating program installed in the mobile phone OTP generator is copied to another mobile phone (for example, a copy through a serial communication connection). Or, when replicating a mobile phone in which the OTP generating program is installed, the mobile phone OTP generator has a problem that it is no longer reliable.

In addition, when using a wireless non-face-to-face transaction such as wireless payment / banking through a mobile phone used as the mobile phone OTP generator, the mobile phone is used as a transaction medium for the non-face-to-face transaction as well as an authentication medium for authenticating the non-face-to-face transaction. In this case, such a wireless face-to-face transaction does not meet the two-factor authentication requirement that the transaction and authentication media must be separated into different media in a face-to-face transaction using OTP authentication. I have a problem.

An object of the present invention for solving the above problems is to provide at least one information set for authenticating the mobile phone to the OTP medium through a communication network in a universal subscriber identity module (USIM) or a memory area of a user mobile phone used as the OTP medium. Whenever the mobile phone is used as an OTP medium, the at least one of the information sets stored in the USIM / memory and the biometric information recognized from the user's living body (eg, fingerprint, iris, retina, and face) are stored (or set). Transmitting the OTP generated through the OTP medium authentication information and the terminal-side OTP generation information to a server on a communication network to first authenticate the mobile phone to a valid OTP medium through the OTP medium authentication information, and through the received OTP The second authentication is to make the mobile phone a valid OTP medium.

Another object of the present invention, when the mobile phone is a valid OTP medium, when the first and second authentication, the server on the communication network provides OTP generation information associated with the user's biometrics to the mobile phone, the mobile phone generates the OTP By generating and outputting N-digit OTP through information, N-digit OTP is generated and output only by a mobile phone registered as a valid OTP medium, and is always a two-factor regardless of whether the mobile phone is used for various non-face-to-face transaction media. This is to satisfy the two-factor authentication condition.

OTP operation method of the multi-authentication method in conjunction with the biometrics according to the present invention, OTP medium information including the unique information of the mobile phone registered as OTP (One Time Password) medium in the server and the biometric information recognized from the user's biometrics And storing and maintaining the terminal-side OTP generation information provided in the USIM (or memory) of the cellular phone registered as the OTP medium and the OTP generation information for generating N (N> = 2) digits in a storage medium. Transmitting, by the mobile phone, OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and the biometric information and OTP generated through the terminal-side OTP generation information to a server on a communication network; A first OTP medium that generates (or outputs) an N-digit OTP by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information. And generating an OTP 'from the storage medium through the terminal-side OTP generation information associated with the biometrics of the user, and comparing (or verifying) the received OTP to second authentication of the mobile phone with the OTP medium. And transmitting, by the server, OTP generation information associated with the biometrics of the user from the storage medium to the mobile phone when the mobile phone is authenticated with the mobile phone through the OTP medium. Receiving the characterized in that it comprises a step of generating an N-digit OTP.

OTP operating method of the multi-authentication method linked to the biometrics according to the present invention, characterized in that it further comprises the step of including the code value corresponding to the biometric information in the information generating the N-digit OTP do.

OTP operating method of the multi-authentication method in conjunction with the biometrics according to the present invention, if the user terminal or the mobile phone transmits the N-digit OTP, the server from the storage medium OTP associated with the biometrics of the user Confirming generation information, generating N-digit OTP 'through the OTP generation information at the server, and comparing the received N-digit OTP with the generated N-digit OTP' at the server (or And verifying validity of the N-digit OTP.

In the OTP operation method of the multi-authentication method linked to the biometrics according to the present invention, the OTP medium authentication information, characterized in that further comprises a user password or a user personal identification number, the server is the user password Or authenticating the mobile phone with an OTP medium through a user identification number.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing the OTP operating method of the multi-authentication method linked to the above-described biometrics.

On the other hand, the OTP operating system of the multi-authentication method linked to the biometrics according to the present invention, OTP medium information including the unique information of the mobile phone registered as the OTP (One Time Password) medium and the biometric information recognized from the user's living body And a storage medium for storing terminal-side OTP generation information provided in the USIM (or memory) of the mobile phone registered as the OTP medium and OTP generation information for generating O (N> = 2) digits, and a user's mobile phone. In the case of transmitting the OTP medium authentication information including the mobile phone unique information and the biometric information and the OTP generated through the terminal-side OTP generation information, the OTP medium information stored in the storage medium is compared with the OTP medium authentication information (or Verification operation), and the mobile phone is first authenticated with an OTP medium that generates (or outputs) an N-digit OTP, and the terminal side O associated with biometrics of the user from the storage medium. Medium authentication means for secondly authenticating the mobile phone with the OTP medium by generating OTP 'through TP generation information and comparing (or verifying operation) with the received OTP; and first and second authentication of the mobile phone with OTP medium. And information checking means for confirming OTP generation information associated with the biometrics of the user from the storage medium and information transmitting means for transmitting the OTP generation information to the mobile phone.

OTP operating system of the multi-authentication method in conjunction with the biometrics according to the present invention, when N-digit OTP is received from the user terminal or the mobile phone, OTP generation information associated with the biometrics of the user from the storage medium; After confirming, the N-digit OTP 'is generated through the OTP generation information, and the received N-digit OTP and the generated N-digit OTP' are compared (or verified operation) to validate the N-digit OTP. Characterized in that it further comprises an OTP authentication means for authenticating.

On the other hand, the mobile phone according to the present invention, a biometric recognition unit for recognizing the biometric information from the user's living body, a code generation unit for generating OTP through the terminal-side OTP generation information stored in the USIM (or memory), and the USIM ( Or an OTP (One Time Password) medium authentication information including unique mobile phone information stored in the memory and the biometric information and the generated OTP to a server on a communication network, and an authentication processing unit for requesting authentication of the mobile phone as an OTP medium; A receiving unit receiving OTP generation information according to a first OTP medium authentication result through the OTP medium authentication information and a second OTP medium authentication result through the generated OTP, and N (N> = 2) through the OTP generation information; ) OTP generating unit for generating a digit OTP and an OTP output unit for outputting the N digit OTP.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a functional configuration of a mobile phone 100 having a function of generating an OTP according to an embodiment of the present invention.

In more detail, FIG. 1 is a mobile phone 100 which accesses a mobile communication network and provides data communication. The mobile phone 100 is an OTP medium provided by an OTP agent in which the mobile phone 100 generates one time password (OTP) through the mobile communication network. After authenticating, receiving an OTP generation information for generating an N (N> = 2) digits OTP from the server of the communication network, showing an implementation method having a function of generating the OTP through the OTP agent, Those skilled in the art to which the invention belongs, a wireless communication terminal (for example, a portable Internet terminal, etc.) connected to a wireless communication network of other wireless communication standards other than the mobile phone 100 by referring to and / or modifying the drawing 1. It will be able to infer an implementation method having a function of generating the OTP in the present invention, the present invention comprises all the implementation methods inferred, shown in Figure 1 The technical features are not limited only by the implementation method.

According to an embodiment of the present invention, the mobile phone 100 includes a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 130, and the like in terms of hardware. Internally, a modem chip (for example, MSM series modem chip manufactured by Qualcomm, Inc.), which has functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, Various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier that amplifies a transmission signal, a high power amplifier (HPA), and an isolator that prevents a high power transmission signal from being reversed. RF / IF SAW filter for removing unwanted out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and VCTCXO (Voltag) e Controlled Temperature Compensated X-tal Oscillator), a UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. Elements are gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, the modem chip is also integrated with various functions for various multimedia services or various additional services.

Referring to FIG. 1, the mobile phone 100 includes a control unit 105 corresponding to the modem chip, a screen output unit 110 corresponding to a liquid crystal display (LCD), and a structure corresponding to the component. A sound processor 115 corresponding to a microphone / speaker, a key input unit 120 corresponding to a keypad, a wireless communication unit 135 corresponding to an antenna and various RF modules, and a memory unit 150 corresponding to a nonvolatile memory. And a Universal Subscriber Identity Module (USIM 140) corresponding to an IC (Integrated Circuit) chip storing universal subscriber identification information, and a USIM reader unit for reading / writing information (or data) to the USIM 140 ( 145) and a battery 130 for power supply, and a biometric unit configured to recognize biometric information of a user from a biometric object corresponding to any one of a fingerprint, an iris, a retina, and a face of the user ( 125) Characterized in that eojineun.

According to an embodiment of the present invention, the biometric information recognized from the biometric object of the user is converted into biometric information corresponding to a preset data structure according to a preset biometric method, and the upper body recognition information is converted into the mobile phone 100. OTP agent authentication information used to drive the OTP agent provided in the or) or authenticating the OTP generation in the OTP agent, or OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to a server on a communication network. The OTP agent included in the mobile phone 100 may be used for one or more purposes of being used as a seed value of OTP generation information for generating OTP or OTP generation information for medium authentication.

The controller 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a program routine or program for providing a function specific to the mobile phone 100 from a memory device. It comprises a bus (BUS) for inputting and outputting data and an electronic circuit (or integrated circuit) provided for this, and from the memory unit 150 or a memory device (or chipset) to the execution memory in software Program routine or program data that is loaded and computed through the processor to perform a specific function (hence, a program corresponding to an OTP agent recorded on a recording medium of the mobile phone 100 for the function of generating the OTP). The routine configuration is illustrated and described as being provided in the control unit 105 for convenience. The program routine included in the control unit 105 basically includes an operating system routine (not shown) and one or more system management routines (eg, a power management routine, a channel (forward / reverse) management routine, a handoff routine, etc.). Characterized in that it comprises a, characterized in that the various functional components to be implemented in the mobile phone 100 by the control unit 105 is characterized in that it is realized.

According to an exemplary embodiment of the present invention, after power is supplied to the mobile phone 100, the control unit 105 includes the operating system routine (not shown), one or more system management routines (not shown), and various system variables corresponding thereto. The mobile phone 100 includes a system setting detail state, a pilot channel acquisition detail state, a synchronization channel acquisition detail state, and a timing conversion detail state according to a booting procedure. The operation mode corresponding to the "mobile station initialization state" is set.

After performing the booting procedure, the operating system routine (not shown), one or more system management routines (not shown), and various system variables corresponding thereto are loaded into the execution memory included in the controller 105 and executed by the processor. By the arithmetic processing, the cellular phone 100 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state", thereby enabling mobile communication based wireless access and call processing (Call Processing). Perform the procedure.

According to an embodiment of the present invention, the function of generating the OTP is preferably initiated (or realized) through the key input in the operation mode in which the cellular phone 100 corresponds to the "mobile station call waiting state".

The screen output unit 110 is a function configuration unit for checking the operation of each operation mode and the corresponding operation state of the mobile phone 100, one or more screen output including an LCD provided in the mobile phone 100 And a driver for driving the screen output device, and outputs one or more key data input through the key input unit 120 in connection with the control unit 105 or the mobile phone 100. Outputs a menu screen, a function processing screen, and a function processing result screen corresponding to one or more functions (or programs) included in the), or one or more contents (eg, texts) included in (or downloaded from) the mobile phone 100. Content, image content, multimedia content).

According to the exemplary embodiment of the present invention, the screen output unit 110 preferably performs a function of a screen output means for outputting a menu screen, a function processing screen, and a function processing result screen corresponding to the function for generating the OTP. .

The sound processor 115 is a function component that processes input and output of sound in each operation mode of the mobile phone 100. The sound processor 115 decodes one or more encoded sound data to a speaker provided in the mobile phone 100. Or a vocoder and a codec for encoding or encoding a sound signal input through a microphone provided in the mobile phone 100.

According to an exemplary embodiment of the present invention, the sound processor 115 decodes sound data corresponding to a ring back tone through the speaker in an operation mode corresponding to the “system access state” of each operation mode of the mobile phone 100. The audio signal may be encoded or input through a microphone in an operation mode corresponding to the "call channel state", or the audio signal may be decoded and output through a speaker.

In addition, the sound processing unit 115 is reproduced when playing one or more sound content or multimedia content provided (or downloaded) in the mobile phone 100 in one or more operation modes including the "mobile station call waiting state." It is preferable to decode and output sound data corresponding to the content.

The key input unit 120 includes a key input device having one or more key buttons including a number key, a character key, or a function key, and the key input device. And at least one key input signal generated by clicking (or entering) the key button in the key input device.

According to the present invention, when a key input signal is detected from a key button provided in the key input device in the input mode or one or more operation modes controlled by the controller 105, the key input unit 120 detects the detected key. Generate a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to an input signal, and provide the generated key event to the controller 105, wherein the controller 105 is configured to provide the mobile phone 100 with the mobile phone 100; Read key data corresponding to the key event in a current input mode or an operation mode of the key from the key table for storing (managing) one or more key data corresponding to a specific key event in each input mode or operation mode. Reading key data into an event) or reading a command that executes a function defined in accordance with the key event. And a gong.

According to an embodiment of the present invention, the key input unit 120 inputs a phone number in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the mobile phone 100, and inputs a "call" button. Thus, it is preferable to change the operation mode of the mobile phone 100 to the operation mode corresponding to the "system access state".

In addition, the key input unit 120 inputs a function key (for example, a menu key) in the operation mode corresponding to the "mobile station call waiting state" of each operation mode of the mobile phone 100, thereby inputting the mobile phone 100. It is desirable to execute the various functions provided.

According to an embodiment of the present invention, the key input unit 120 preferably performs a function of key input means for inputting one or more key data corresponding to the function of generating the OTP.

The biometric unit 125 recognizes biometric information corresponding to the fingerprint information of the user from the fingerprint of the user, recognizes biometric information corresponding to the iris image of the user from the iris of the user, or retina of the user. And a camera unit configured to recognize biometric information corresponding to the user's retinal image from the user, or to recognize biometric information corresponding to the user's face image from the user's face. The object and the corresponding biometric unit 125 may be variously expanded, and it is apparent that the present invention is not limited by the biometric object and the biometric method corresponding thereto.

The wireless communication unit 135 is a functional component that connects a wireless channel with a base station on a mobile communication network in which the cellular phone 100 operates based on WCDMA, and a CDMA modem and various RF modules (for example, a duplexer filter, a power amplifier, and a high output). High Power Amplifier (HPA), Isolator, RF / IF SAW Filter, Frequency Up Circuit, Frequency Down Converter, VCTCXO, UHF Frequency Synthesizer, etc.) And a location registration or a slot mode, a power control, or a hand-off corresponding to each operation mode of the mobile phone 100 in association with the controller 105. off) or call processing procedure.

According to another embodiment of the present invention, if the mobile phone 100 shown in FIG. 1 is a mobile Internet terminal, the wireless communication unit 135 connects to the IEEE 802.16x-based mobile Internet to provide a wireless communication function configuration. It is possible to include, it is possible to implement the present invention by modifying to other wireless communication configuration of various forms to provide wireless data communication in addition to the portable Internet, the invention is not limited by the configuration of the wireless communication unit 135 It is clear that no.

The USIM reader unit 145 is a functional component that exchanges one or more information (or data or command) with the USIM 140 mounted or detached to the mobile phone 100 through a standard including ISO / IEC 7816. And a contact type IC card reader corresponding to the ISO / IEC 7816 standard, wherein the IC card reader has one or more information (or information) with the USIM 140 through an APDU (Application Protocol Data Unit). Data or instructions).

The USIM 140 mounted on or detached from the mobile phone 100 is an IC chip conforming to the ISO / IEC 7816 standard. Referring to the ISO / IEC 7816 standard, the USIM 140 includes a power supply (VCC), Communicating (e.g., command or data exchange) with the USIM reader 145 through contact points such as reset signal RST, clock signal CLK, ground GND, programming power supply (VPP), input / output (I / O), and the like. Etc.), a processor unit comprising one or more arithmetic elements including a central processing unit (CPU), a micro process unit (MPU), a coprocessor, and the like, a read only memory (ROM), and a random access memory (RAM). It is composed of a memory consisting of one or more memory elements, including Access Memory (EEPROM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM), and the like, in particular one or more of the memory elements (eg, ROM) Manage internal resources of IC card An operating chip operating system (COS) is stored. When power is supplied from the USIM reader unit 145 through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory is loaded into the execution memory. And control the overall operation of the USIM 140 and communicate with the USIM 140 through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. Controls information or data exchange between the USIM reader unit 145.

According to the present invention, the memory of the USIM 140 is preferably provided with an OTP applet containing a variety of information and program code necessary to generate the OTP in the mobile phone 100, the OTP applet is a mobile phone 100 The USIM 140 includes a storage unit (not shown) for storing a data set corresponding to information or data that is read and read or used by a processor included in the processor, and an instruction set provided by a calculation function and a COS of the processor unit. A program routine (e.g., a Java Applet in the case of a Javacard) that is driven or executed and operates within the mobile phone 100 and interacts with the instruction set of the COS. A processor corresponding to an application including an instruction call code to be executed and an execution code to be processed by the processor In particular, the processing unit reads a command provided from the processor provided in the mobile phone 100 via the input and output interface through the APDU, and at least one stored in the storage unit based on the read command Read or record information or data, and provide the result or read information or data to the processor provided in the mobile phone 100 via the input and output interface through the APDU.

According to an embodiment of the present invention, the storage unit of the OTP applet, m (m> = 1) media authentication OTP generation information for generating the media authentication OTP to be transmitted from the mobile phone 100 to the server on the communication network m It is preferable to store each index value in association with each other.

The OTP generation information for medium authentication includes one or more fixed seed values (or a part of fixed seed values) for generating a medium authentication OTP to be transmitted from the mobile phone 100 to a server on the communication network, or It is preferable to include a parameter (or a part of the parameter) for determining the dynamic seed value, the mobile phone 100 is a fixed seed value included in the OTP generation information for the medium authentication or OTP generation information for the medium authentication By assigning the dynamic seed value determined through the included parameter into a preset OTP generation algorithm, OTP for medium authentication is generated and transmitted to the server on the communication network. The server on the communication network uses the OTP generation information for the medium authentication provided. Generate an OTP 'for medium authentication, and compare (or verify operation) the OTP for medium authentication with the OTP for medium authentication; Providing OTP generation information (ie, information including one or more fixed seed values and parameters for generating N (N> = 2) digits OTP in the OTP agent provided in the mobile phone 100) to the mobile phone 100. Authenticate

For example, if the OTP is generated in a time-synchronized manner, the OTP generation information for medium authentication may include one or more fixed seed values (or a portion of the fixed seed value) for generating an OTP generated through the time-synchronized manner. Or a parameter (or a part of the parameter) for determining the dynamic seed value, wherein the OTP for medium authentication generated through the OTP generation information for medium authentication is OTP generation information for medium authentication provided in the server. Compared to the OTP 'for the medium authentication generated through the mobile phone 100 is preferably used as a means for authenticating the mobile phone 100 as an OTP medium.

Or, if the OTP is generated in a challenge-response manner, the OTP generation information for medium authentication includes one or more fixed seed values (or a portion of the fixed seed values) for generating an OTP generated through the challenge-response scheme. Or a parameter (or a part of the parameter) for determining the dynamic seed value, and the medium authentication OTP generated through the medium authentication OTP generation information is provided through the medium authentication OTP generation information provided in the server. Compared with the generated OTP 'for medium authentication, it is preferable to use the mobile phone 100 as a means for authenticating the OTP medium.

According to an embodiment of the present invention, the media authentication OTP generation information is preferably stored in the storage unit (encryption storage possible) in association with the OTP agent downloaded to the user's mobile phone (100).

The index value may not be duplicated for one-to-one matching of m medium authentication OTP generation information stored in a storage unit of the OTP applet with M (M> = m) medium authentication OTP generation information provided in a server on a communication network. A value uniquely assigned for each OTP generation information for authentication, and the OTP generation information for media authentication stored in a storage unit of the OTP applet associated with the same index value and the OTP generation information for media authentication provided in a server on a communication network are the same fixed. It is preferred to include a seed value and a parameter for determining the dynamic seed value.

According to another exemplary embodiment of the present invention, when one piece of media authentication OTP generation information is stored in a storage unit of the OTP applet, the index value may be omitted, and the present invention is not limited thereto.

According to the embodiment of the present invention, the USIM 140 may be provided with a function for generating the media authentication OTP. In this case, the processing unit of the OTP applet is a user password input through the mobile phone 100. Or one or more fixed seed values for generating the media authentication OTP through the media authentication OTP generation information provided through the mobile phone 100 (or stored in the storage unit) after user authentication through a user identification number. And program code for identifying and determining the dynamic seed value, and generating the OTP by substituting the one or more fixed seed values and the dynamic seed value into the set OTP algorithm.

According to an embodiment of the present invention, the USIM 140 may be provided with a function of generating an OTP having N (N> = 2) digits. In this case, the processing unit of the OTP applet may include the mobile phone 100. One or more fixed seeds for generating the N (N> = 2) digits OTP through the OTP generation information provided through the mobile phone 100 after user authentication through a user password or a user identification number entered through the mobile phone 100 And program code for identifying / determining a value and a dynamic seed value, and generating the OTP by substituting the identified / determined one or more fixed seed values and dynamic seed values into the set OTP algorithm.

According to the embodiment of the present invention, the storage unit of the OTP applet, it is possible to store (or encrypted storage) a user password or a user personal identification number for user authentication for generating the OTP in the mobile phone 100 In this case, if the user password or the user identification number is transferred from the mobile phone 100, the processing unit of the OTP applet, the user password or the user personal identification number and the user stored in the storage unit according to a preset authentication procedure The user authentication for generating the OTP in the mobile phone 100 through the user password or user personal identification number by comparing (or verifying) a password or a user personal identification number and processing the user authentication result on the mobile phone It is preferable to respond with 100.

According to an embodiment of the present invention, the storage unit of the OTP applet, one or more mobile phones (100) registered in a server on a communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP Preferably, the unique information is stored, and according to the intention of the person skilled in the art, the unique information of the mobile phone 100 is stored in the fixed storage area of the USIM 140 memory in addition to the storage of the OTP applet and IC chip information. It may be made, including.

The unique information of the mobile phone 100 provided in the USIM 140 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, in a fixed storage area of the USIM 140 memory. An OTP agent including at least one IC chip serial number constituting an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), a USIM 140, or the mobile phone 100 may generate the OTP. It is preferred to include a separate OTP medium identifier (eg, non-overlapping code value) or USIM 140 identifier registered to authenticate that the OTP medium is equipped with.

According to an embodiment of the present invention, when the biometric information of the user is recognized from the biometric object of the user and the biometric information is converted into the biometric information, the storage unit of the OTP applet stores the biometric information or Or store the biometric authentication information (for example, information for deriving a specific value through the biometric information and a predetermined verification operation) for authenticating the biometric information, and through the biometric recognition unit 125. When the biometric information corresponding to the OTP agent driving information is confirmed from the biometric object, the processing unit of the OTP applet provides the biometric information (or biometric information) stored in the storage unit to the mobile phone 100 to provide the biometric information. Process the mobile phone 100 to authenticate the biometric information, or from the mobile phone 100 It being provided biometric information to the biometric information and the biometric information stored (or biometric information) comparison (or verify operation), which has the function of processing so that the biometric authentication efficacy are preferred.

According to an embodiment of the present invention, when the biometric information is used as the OTP driving information for driving the OTP agent provided in the mobile phone 100 or for generating the OTP in the OTP agent, the biometric If the validity is authenticated, it is preferable that the OTP agent is started, or it is initiated (or authenticated) to generate an OTP for [OTP Purpose] in the OTP agent.

Or, if the biometric information is included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to the server on the communication network, if the biometric validity is authenticated, the biometric information on the server on the communication network It is preferable to include in the OTP medium authentication information transmitted to the server, and if the validity of the biometric information is confirmed by the server on the communication network, it may be omitted to authenticate the biometric validity through the USIM (140).

Alternatively, when the biometric information is used as the seed value of the OTP generation information for generating the OTP or the OTP generation information for the medium authentication by the OTP agent provided in the mobile phone 100, the biometric validity is authenticated. The recognition information is preferably used as a fixed seed value (or part of a fixed seed value) constituting the OTP generation information or OTP generation information for medium authentication, and includes a code structure in which the biometric information is to be used as the fixed seed value. If not, the processing unit of the OTP applet may further include a function of processing the biometric information into the fixed seed value through a predetermined hash function.

According to an embodiment of the present invention, the memory of the USIM 140 is divided into a subscriber information area having a fixed memory address and an application area having a directory file (EFdir) structure, and the application area is based on ISO / IEC 10202. And a security structure, wherein the memory includes a protected area in which secret information such as a chip serial number (CSN) is stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT. (File Allocation Table) A management area and the like, and the OTP applet is preferably stored in a separate designated storage area except the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 standard, the application area of the memory includes one master file (MF) corresponding to a root file and function information about one or more stored information under the master file. Answer To Reset (ATR), and one or more Dedicated File (DF) corresponding to each ICC stored information, and substantive information or data disposed under the dedicated file and included for the smart card service. It includes a file structure consisting of an element file (EF), the OTP applet also includes the file structure as described above.

The memory unit 150 is a generic term for a nonvolatile memory corresponding to a storage medium for storing one or more information (or data) in the mobile phone 100 and a recording medium for recording program codes corresponding to one or more program routines. And a read only memory (ROM) corresponding to the read only memory, a flash memory (FM), an electrically erasable and programmable read only memory (EEPROM), and the like.

According to an exemplary embodiment of the present invention, the memory unit 150 may generate m (m> = 1) media authentication OTP generation information for generating a media authentication OTP to be transmitted from the mobile phone 100 to a server on a communication network. Preferably, m index values are stored in association with each other. When the biometric information is usable as OTP generation information for media authentication, the OTP generation information for media authentication may be omitted in the memory unit 150. Do.

The OTP generation information for medium authentication includes one or more fixed seed values (or a part of fixed seed values) for generating a medium authentication OTP to be transmitted from the mobile phone 100 to a server on the communication network, or It is preferable to include a parameter (or a part of the parameter) for determining the dynamic seed value, the mobile phone 100 is a fixed seed value included in the OTP generation information for the medium authentication or OTP generation information for the medium authentication By assigning the dynamic seed value determined through the included parameter into a preset OTP generation algorithm, OTP for medium authentication is generated and transmitted to the server on the communication network. The server on the communication network uses the OTP generation information for the medium authentication provided. Generate an OTP 'for medium authentication, and compare (or verify operation) the OTP for medium authentication with the OTP for medium authentication; Providing OTP generation information (ie, information including one or more fixed seed values and parameters for generating N (N> = 2) digits OTP in the OTP agent provided in the mobile phone 100) to the mobile phone 100. Authenticate

The index value is a medium so as not to overlap in order to one-to-one matching m medium authentication OTP generation information stored in the memory unit 150 with M (M> = m) medium authentication OTP generation information included in a server on a communication network. A value uniquely assigned for each OTP generation information for authentication, in which the OTP generation information for medium authentication stored in the memory unit 150 and the medium authentication OTP generation information included in a server on a communication network are associated with the same index value. It is preferred to include a seed value and a parameter for determining the dynamic seed value.

According to another exemplary embodiment of the present invention, when one piece of media authentication OTP generation information is stored in the memory unit 150, the index value may be omitted, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the memory unit 150 may store the encrypted user password or user personal identification number for user authentication for generating the OTP in the mobile phone 100.

According to an embodiment of the present invention, the memory unit 150 is one or more mobile phones 100 registered in the server on the communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP It is desirable to store unique information.

Here, the unique information of the mobile phone 100 provided in the memory unit 150 may include a mobile identification number (MIN) and a serial number stored in a predetermined system area of the memory unit 150 provided in the mobile phone 100. A number that includes one or more of an ESN, an subscriber identification number, and an International Mobile Equipment Identity (IMEI), or a separate registered to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP. It is preferred to include an OTP medium identifier (eg, a non-overlapping code value).

According to the exemplary embodiment of the present invention, when the biometric information of the user is recognized from the biometric object of the user and the biometric information is converted into the biometric information, the memory unit 150 stores the biometric information. Or storing biometric authentication information (for example, information for deriving a specific value through the biometric information and a predetermined verification operation) for authenticating the biometric information, and through the biometric recognition unit 125. When the biometric information corresponding to the OTP agent driving information is confirmed from the biometric object, the OTP agent (or OTP agent driving program) is the OTP agent (or OTP agent driving program), the identified biometric information. And biometric information (or biometric information) stored in the memory unit 150 are compared (or verified). That has the function of processing so that the biometric authentication efficacy are preferred.

According to an embodiment of the present invention, when the biometric information is used as the OTP driving information for driving the OTP agent provided in the mobile phone 100 or for generating the OTP in the OTP agent, the biometric If the validity is authenticated, it is preferable that the OTP agent is driven by an OTP agent driving program, or the OTP agent is initiated (or authenticated) to generate an OTP for [OTP purpose] in the OTP agent.

Alternatively, when the biometric information is included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to the server on the communication network, when the biometric validity is authenticated, the OTP agent reads the biometric information. It is preferable to include the OTP medium authentication information transmitted to the server on the communication network. If the server on the communication network confirms the validity of the biometric information, it is omitted to authenticate the biometric validity through the USIM 140. It is possible.

Alternatively, when the biometric information is used as the seed value of the OTP generation information for generating the OTP or the OTP generation information for the medium authentication by the OTP agent provided in the mobile phone 100, the biometric validity is authenticated. The recognition information is preferably used as a fixed seed value (or part of a fixed seed value) constituting the OTP generation information or OTP generation information for medium authentication, and includes a code structure in which the biometric information is to be used as the fixed seed value. If not, the OTP agent (or processing unit of the OTP applet) may further include a function of processing the biometric information into the fixed seed value through a predetermined hash function.

Referring to FIG. 1, the mobile phone 100 recognizes biometric information from a biometric object of the user through the biometric unit 125 and presets the recognized biometric information according to a preset biometric method. Convert to biometric information corresponding to the data structure, and to be used as the OTP driving information for authenticating that the OTP agent provided in the mobile phone 100 is provided through the biometric information, or that the OTP agent is generated. OTP generation information for processing, or OTP agent provided in the mobile phone 100 is included in the OTP medium authentication information transmitted to the server on the communication network, or OTP agent provided in the mobile phone 100 generates OTP Or a biometric processor 155 for processing to be used as a seed value of the terminal-side OTP generation information. .

The biometric processing unit 155 outputs a biometric interface requesting to recognize biometric information from the biometric object of the user through the screen output unit 110, and prints the fingerprint of the user through the biometric recognition unit 125. When the biometric information of the user is recognized from the biometric object corresponding to any one of the iris, the retina, and the face, the biometric information is converted into biometric information corresponding to a preset data structure according to a preset biometric method. It is characterized by.

According to an embodiment of the present invention, when the biometric information drives the OTP agent provided in the mobile phone 100, when the biometric information is read through the biometric unit 125, the biometric processor 155 checks the validity of the biometric information through biometric information (or biometric authentication information) stored in the USIM 140 / memory unit 150, and if the biometric validity is confirmed, the mobile phone It is characterized in that for driving the OTP agent provided in (100), in this case, the biometric processing unit 155 preferably performs the function of the OTP agent drive program for driving the OTP agent.

Alternatively, when the biometric information is used as OTP driving information for authenticating OTP generation by the OTP agent, when the biometric information is read through the biometric recognition unit 125, the biometric processing unit 155 ) Confirms the validity of the biometric information through the biometric information (or biometric authentication information) stored in the USIM 140 / memory unit 150, and confirms the result of the biometric validity verification by the N-digit OTP. It is preferable to use as a result of the user authentication for generating or as an OTP generation validity result for generating the N-digit OTP.

According to another embodiment of the present invention, when the biometric information is included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to a server on a communication network, the biometric information is transmitted through the biometric unit 125. When the set biometric information is read, the biometric processing unit 155 may process the biometric information read through the biometric unit 125 to be included in the OTP medium authentication information. A function of checking the validity of the biometric information through the biometric information (or biometric authentication information) stored in the USIM 140 / memory unit 150 before including the biometric information in the OTP medium authentication information. It is preferable to further include, and may be omitted when the biometric validity is processed by the server on the communication network.

According to another exemplary embodiment of the present invention, when the biometric information is used as a seed value of OTP generation information for generating OTP or OTP generation information for medium authentication, the OTP agent provided in the mobile phone 100 is used. When the biometric information preset through the unit 125 is read, the biometric processing unit 155 may read the biometric information read through the biometric unit 125 into the OTP generation information or the OTP generation information for medium authentication. Preferably, the biometric information is used as a seed value. When the biometric information does not include a code structure to use the information as a seed value of the OTP generation information or OTP generation information for medium authentication, the biometric information is used as the OTP. It is preferable to process into a code structure corresponding to the seed value of the generation information or the OTP generation information for medium authentication. The biometric processing unit 155 may store the biometric information stored in the USIM 140 / memory unit 150 before using the biometric information as a seed value of the OTP generation information or OTP generation information for medium authentication according to the intention of a person skilled in the art. It is possible to further include a function of confirming the validity of the biometric information through the identification information (or biometric authentication information).

Referring to FIG. 1, the mobile phone 100 includes a user authentication unit 160 that processes user authentication for generating the N-digit OTP.

A dedicated key button for requesting to generate the OTP is input through a key input unit provided in the mobile phone 100, or a request is made to generate the OTP through a preset menu selection, or an OTP is generated through the mobile communication network. When the command (or OTP agent driving command) is received, the user authentication unit 160 outputs a user authentication interface for inputting a user password or a user personal identification number for user authentication through the screen output unit 110, If a user password or a personal identification number is input through the user authentication interface, characterized in that for processing the user authentication for generating the OTP of the digits through the input user password or user personal identification number, the biometric validity Confirmation result is a user to generate the N-digit OTP When used as a result, it is possible to omit the user authentication unit 160 authenticates the user validate through the user password or the user PIN.

When the user authentication function for generating the OTP is provided in the USIM 140 according to the exemplary embodiment of the present invention, the user authentication unit 160 inputs the user password through the USIM reader unit 145. Or transmits a user personal identification number to the USIM 140, and authenticates the user with respect to the user password or the user personal identification number processed by a PIN authentication function provided in the USIM 140 or a processing unit provided in the OTP applet. It is preferable to receive a result and read the user authentication result to confirm that the user validity for generating the OTP in the mobile phone 100 is authenticated.

When the user authentication function for generating the OTP is provided in the memory unit 150 according to another embodiment of the present invention, the user authentication unit 160 is the user password or user personal identification number is input, Decrypting a user password or user personal identification number encrypted and stored in the memory unit 150 according to a predetermined decryption procedure, and comparing the input user password or user personal identification number with the decrypted user password or user personal identification number. It is preferable to process user authentication for generating the OTP in the mobile phone 100 through the user password or the user personal identification number (or verification operation).

Referring to FIG. 1, the mobile phone 100 confirms / determines one or more fixed seed values and dynamic seed values for generating the medium authentication OTP from the OTP generation information for the medium authentication, and the determined / determined one. And a code generation unit 175 for generating the OTP for medium authentication by substituting the fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm.

If the user authentication is processed by the user authentication unit 160 to be valid, the code generation unit 175 is for medium authentication for generating the media authentication OTP from the USIM 140 / memory unit 150 Confirm OTP generation information, identify one or more fixed seed values included in the OTP generation information for the medium authentication, determine one or more dynamic seed values through parameters included in the OTP generation information, and determine the one or more determined The fixed seed value and the dynamic seed value may be substituted into a predetermined OTP generation algorithm to generate an OTP for medium authentication.

Here, the OTP for medium authentication generated through the OTP generation information for the medium authentication, OTP generation information from the server on the communication network to the mobile phone 100 (that is, N (N> in the OTP agent provided in the mobile phone 100) 2) code values for authenticating the provision of one or more fixed seed values and information including parameters for generating a digit OTP).

Referring to FIG. 1, the mobile phone 100 includes information on OTP generation information for one medium authentication to be used to generate an OTP among m medium authentication OTP generation information stored in the USIM 140 and the memory unit 150. And an index processor 165 for determining a corresponding index value and processing the index value to be transmitted to a server on a communication network that transmits OTP generation information for generating an N-digit OTP to the mobile phone 100. It is done.

According to the exemplary embodiment of the present invention, the index processing unit 165 determines any index value among index values associated with m medium authentication OTP generation information stored in the USIM 140 / memory unit 150, Or determining an index value according to a preset order, or arbitrarily determining one of the remaining index values except for the previously determined index value, or determining one of the m index values according to a preset index policy. desirable.

When one of the index values associated with the m medium authentication OTP generation information stored in the USIM 140 / memory unit 150 is determined, the index processing unit 165 determines that the determined index value is an OTP medium. Processed to be transmitted to a server on a communication network that transmits the OTP generation information that is included in the authentication information to generate an N-digit OTP to the mobile phone 100, or the server on the communication network after the mobile phone 100 is authenticated with the OTP medium And a communication channel, and transmits the determined index value to a server on the communication network through the communication channel.

According to another exemplary embodiment of the present invention, when the index value is not included in the USIM 140 / memory unit 150 and one medium authentication OTP generation information is stored, the index processing unit 165 determines the index value. Alternatively, processing to transmit the index value to the server may be omitted, and the present invention is not limited thereto.

Referring to FIG. 1, the mobile phone 100 includes an authentication processing unit 170 for authenticating that the mobile phone 100 is an OTP medium equipped with the OTP agent through the mobile communication network to generate the OTP. In accordance with one of ordinary skill in the art, the authentication processor 170 may transmit the OTP for medium authentication to a server on a communication network in the OTP medium authentication process.

If the user authentication for generating the OTP in the mobile phone 100 is processed by the user authentication unit 160 is valid, the authentication processing unit 170 is provided in the USIM 140 / memory unit 150 Check the unique information of the mobile phone 100, and configure OTP medium authentication information including the unique information of the mobile phone 100, and transmit the mobile phone 100 to a server on a communication network that authenticates the OTP medium provided with the OTP agent. Characterized in that.

According to the exemplary embodiment of the present invention, even if the index value is not stored in the USIM 140 / memory unit 150 or the index value is stored in the USIM 140 / memory unit 150, the index processing unit 165 In the case where the index value is directly transmitted to the server, the OTP medium authentication information preferably includes the identified unique mobile phone 100 information, and according to the intention of the person skilled in the art, the OTP or user password or It is preferable to further comprise a user identification number.

According to another embodiment of the present invention, when the index value is stored in the USIM 140 / memory unit 150 and the index is transmitted with qt included in the OTP medium authentication information, the OTP medium authentication information is Preferably, the mobile phone 100 includes unique information and an index value. Preferably, the mobile phone 100 further includes an OTP or a user password or a user personal identification number.

If the biometric information is included in the OTP medium authentication information, the OTP medium authentication information preferably includes the mobile phone 100 unique information and biometric information, and the index value or the user password or the user's personal information. Identification number may be included in the OTP medium authentication information according to the intention of the skilled person.

According to an embodiment of the present invention, the OTP medium authentication information is preferably encrypted by a secure communication session established between the mobile phone 100 and the server.

When the OTP medium authentication information includes the mobile phone 100 unique information and the index value according to an embodiment of the present invention, the index value and the mobile phone 100 unique information are concatenated (or combined) according to a preset method. Or the code value generated by substituting the index value and the unique information of the mobile phone 100 into a preset code generation algorithm, may be determined as the OTP medium authentication information. The present invention is not limited by the method of configuring the OTP medium authentication information through the index value and the unique information of the mobile phone 100.

For example, the authentication processor 170 generates a media verifier by hashing one or more of the index value and the unique information of the mobile phone 100 with a one-way hash function and performing an XOR operation, and the media verifier and the index value. The OTP medium authentication information may be generated by concatenating unique information of the mobile phone 100.

Alternatively, when the OTP medium authentication information includes the mobile phone 100 unique information and the user password or user personal identification number, the user password or user personal identification number and the mobile phone 100 unique information may be set in a preset manner. The OTP medium is concatenated (or combined) to form the OTP medium authentication information, or the code value generated by substituting the user password or the personal identification number and the unique information of the mobile phone 100 into a preset code generation algorithm. It is possible to determine the authentication information, the present invention is not limited by the manner of configuring the OTP medium authentication information through the user password or the user personal identification number and the mobile phone 100 unique information.

For example, the authentication processing unit 170 hashes the user password or user personal identification number through a one-way hash function, the hashed user password or user personal identification number, at least one random number value, the mobile phone. (100) XOR operation of at least one unique information (or unique information of the mobile phone 100 hashed by one-way hash function) to generate a media verifier, the generated media verifier and the user password or user personal identification number, at least OTP medium authentication information including one or more random number information, the unique information of the mobile phone 100 can be generated.

According to another exemplary embodiment of the present invention, the OTP medium authentication information may be generated by the processing unit of the OTP applet provided in the USIM 140 through any one of the various methods as described above.

If the USIM 140 is provided with the mobile phone 100 unique information, and the processing unit of the OTP applet generates the OTP medium authentication information, the processing unit of the OTP applet includes the mobile phone 100 unique information Generating OTP medium authentication information or generating the OTP medium authentication information through a user password or a user personal identification number provided to the USIM 140 by the user authentication unit 160 and the mobile phone 100 unique information, It is possible to transfer the generated OTP medium authentication information to the authentication processing unit 170, it is also possible to encrypt the OTP medium authentication information in the USIM (140) according to the intention of those skilled in the art.

Alternatively, when the unique information of the mobile phone 100 is provided in the memory unit 150 and the processing unit of the OTP applet generates the OTP medium authentication information, the authentication processing unit 170 unique information of the mobile phone 100. When transmitting to the USIM 140, the processing unit of the OTP applet generates OTP medium authentication information including the unique information of the mobile phone 100, or by the user authentication unit 160 to the USIM 140 It is possible to generate the OTP medium authentication information through the provided user password or user personal identification number and the unique information of the mobile phone 100, and transfer the generated OTP medium authentication information to the authentication processing unit 170, which is intended by those skilled in the art. Accordingly, the USIM 140 may encrypt the OTP medium authentication information.

When OTP medium authentication information including the unique information of the mobile phone 100 is generated, the authentication processing unit 170 checks server information on a communication network that authenticates the mobile phone 100 with an OTP medium provided with the OTP agent, The generated OTP medium authentication information is transmitted to the server on the communication network through the wireless communication unit 135 according to a secure communication session established with the server on the communication network.

The server on the communication network receiving the OTP medium authentication information receives the OTP medium authentication information (decryption if encrypted), and the mobile phone 100 unique information and the mobile phone 100 included in the received OTP medium authentication information The mobile phone 100 is authenticated as an OTP medium equipped with the OTP agent by comparing (or verifying) unique information of the mobile phone 100 registered to authenticate with the OTP medium provided with the OTP agent.

If the OTP medium authentication information further includes a user password or a user identification number, the server on the network is provided with a user authentication function through the user password or user identification number, the server on the network is the OTP medium It is preferable to process the user authentication by comparing (or verifying) the user password or user personal identification number included in the authentication information and the registered user password or user personal identification number in association with the unique information of the mobile phone 100.

According to an embodiment of the present invention, the authentication processing unit 170 (or processing unit of the OTP applet) further includes a medium authentication OTP provided in the USIM 140 / memory unit 150 in the OTP medium authentication information. To be transmitted to a server on the communication network.

Referring to FIG. 1, the mobile phone 100 includes a code transmission unit for transmitting an OTP for medium authentication provided in the USIM 140 / memory unit 150 to a server on a communication network through the wireless communication unit 135. 180) further comprises.

When the OTP medium authentication information is included in the OTP medium authentication information through the authentication processing unit 170 and is not transmitted to the server on the communication network, the mobile phone 100 passes through the authentication processing unit 170 to the OTP medium. If authenticated, the code transmitter 180 transmits the generated media authentication OTP to a server on the communication network through the wireless communication unit 135, and the medium through the authentication processor 170. When the authentication OTP is included in the OTP medium authentication information and transmitted to the server on the communication network, the code transmission unit 180 may be omitted, and the present invention is not limited thereto.

In the server on the communication network, the mobile phone 100 is authenticated with an OTP medium equipped with the OTP agent (or authenticates the mobile phone 100 with the provided OTP medium and user authentication is further processed), and for the medium authentication When the OTP for medium authentication generated through the OTP generation information is received, the server on the communication network confirms the OTP generation information for medium authentication associated with the unique information of the mobile phone 100.

If the index value is provided to a server on the communication network, the server on the communication network is a server side corresponding to the index value among M (M> = m) server-side OTP generation information associated with the unique information of the mobile phone 100. It is desirable to confirm the OTP generation information.

If the server-side OTP generation information is confirmed, the server on the communication network generates OTP 'for the medium authentication through the OTP generation information for the medium authentication provided in the server, the OTP' for the medium authentication and the received medium authentication OTP generation information for comparing (or verifying) the OTP for generating the OTP of N (N> = 2) digits to the mobile phone 100 (that is, N (N> in the OTP agent provided in the mobile phone 100). (2) information for providing one or more fixed seed values and parameters for generating digit OTP), and if the validity of providing the OTP generation information is authenticated, the server on the communication network is provided. The OTP generation information is transmitted to the mobile phone 100 through the mobile communication network. The OTP generation information is a secure communication session provided between the mobile phone 100 and a server on a communication network. To be transmitted is encrypted by are preferred.

Referring to FIG. 1, the mobile phone 100 includes a receiving unit 185 for receiving OTP generation information for generating the OTP through the mobile communication network.

When the mobile phone 100 in the server on the communication network confirms and transmits the OTP generation information from the server on the communication network by being authenticated with the OTP medium equipped with the OTP agent for generating the OTP, the receiving unit 185 is the wireless The OTP generation information is received through the communication unit 135. When the OTP generation information is encrypted, the OTP generation information is encrypted according to a predetermined decryption procedure.

Here, the OTP generation information may be a preset OTP generation algorithm (eg, an algorithm for generating a code value of N (N> = 2) digits through one or more seed values) in an OTP agent provided in the mobile phone 100. And at least one fixed seed value used to generate N (N> = 2) digits OTP according to the OTP generation method, and a parameter for determining the dynamic seed value.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to an OTP generation algorithm in a time-synchronization manner, wherein the parameter of the OTP generation information is It is preferable to include synchronization time setting information for determining a synchronization time corresponding to the dynamic seed value of the time-synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to an OTP generation algorithm of a challenge-response manner, and the parameter of the OTP generation information is the challenge- It is preferable to generate a random number corresponding to the dynamic seed value of the response type OTP or to include a random number generation value for receiving a random number through the mobile communication network.

Referring to FIG. 1, when the mobile phone 100 receives OTP generation information for generating the OTP based on the user authentication result or the OTP medium authentication result, the mobile phone 100 may generate one or more OTPs from the OTP generation information. And an OTP generation unit 190 for identifying / determining the fixed seed value and the dynamic seed value and generating the OTP by substituting the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm. It is characterized by.

When the user authentication is processed by the user authentication unit 160 as valid or the OTP medium authentication is processed by the authentication processing unit 170, the OTP generation unit 190 generates the received OTP. Identify one or more fixed seed values included in the information, determine one or more dynamic seed values through the parameters included in the OTP generation information, and generate a predetermined OTP based on the identified / determined one or more fixed seed values and dynamic seed values The OTP of N (N> = 2) digits is generated by substituting the algorithm.

When the biometric information is used as the OTP generation information according to an embodiment of the present invention, the OTP generation unit 190 may include the biometric information (or the OTP generation information) at a fixed seed value included in the OTP generation information. Confirm the fixed seed value further including the biometric information processed to be used as a fixed seed value of the OTP generation information, or the OTP generation information does not include a separate fixed seed value. In the case of using a fixed seed value of, after checking with the biometric information (or the biometric information processed to be used as the fixed seed value of the OTP generation information), one or more parameters are included in the OTP generation information. Determine a dynamic seed value and know the predetermined OTP generation of the at least one fixed seed value and the dynamic seed value Is substituted into the algorithm to generate N (N> = 2) digits of the OTP is preferred.

Referring to FIG. 1, when the OTP is generated through the OTP generating unit 190, the mobile phone 100 outputs the generated OTP through the screen output unit 110. When the mobile phone 100 is provided with a near field communication means (not shown), the OTP output unit 195 transmits the generated OTP to the mobile phone 100 through the near field communication means. And a terminal (or device) located in the near field.

When the OTP is generated, the OTP output unit 195 outputs the generated OTP in a predetermined area on the screen of the mobile phone 100 in association with the screen output unit 110.

According to an exemplary embodiment of the present invention, the OTP output unit 195 outputs an OTP output screen on the screen of the mobile phone 100 in association with the screen output unit 110 and the generated OTP output screen. It is preferable to output the OTP.

According to another exemplary embodiment of the present invention, the OTP output unit 195 outputs (or assigns) an OTP output region to a screen region currently output on the screen of the mobile phone 100 in association with the screen output unit 110. It is preferable to output the generated OTP to the OTP output region.

If the mobile phone 100 is provided with short range communication means (eg, Bluetooth, infrared communication, RFID communication, RF communication, etc.), the OTP output unit 195 is generated through the short range communication means. It is possible to output the OTP to the mobile phone 100 and the terminal (or device) located in the near field.

According to another exemplary embodiment of the present invention, when the mobile phone 100 transmits the generated OTP to a server for authenticating the OTP, the OTP output unit 195 is the wireless communication unit 135. Connecting a secure communication channel (for example, an encryption / decryption based communication channel) for transmitting the OTP to a server that authenticates the OTP through a connection (if omitted), and authenticating the OTP through the secure communication channel. It is possible to directly transmit the generated OTP to the server, whereby the present invention is not limited.

2 is a diagram showing the configuration of a mobile phone 200 OTP system according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, OTP generation information for authentication of the medium for authenticating the mobile phone 200 to the OTP medium, and the mobile phone 200. In the storage medium 265 in association with the OTP generation information for generating an N-digit OTP in the storage medium, and provides the OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. After the OTP agent is provided in the mobile phone 200, the OTP agent may be omitted. When the mobile phone 200 is used as an OTP medium, the mobile phone 200 is generated through OTP medium authentication information and OTP generation information for medium authentication. The received OTP for medium authentication, read the OTP medium authentication information to first authenticate the mobile phone 200 as an OTP medium, and secondly authenticate the mobile phone 200 as an OTP medium through the OTP for medium authentication. After the storage medium ( A mobile phone including an OTP operating system for checking the OTP generation information corresponding to the mobile phone 200 from the 265 and providing the generated OTP to the mobile phone 200, thereby processing the mobile phone 200 to generate the N-digit OTP. 200) As an OTP system configuration, a person of ordinary skill in the art to which the present invention pertains, various implementation methods (for example, the OTP system configuration of the mobile phone 200) by referring to and / or modifying the drawing 2. It may be inferred that some components are omitted, subdivided, or combined), but the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Referring to FIG. 2, the OTP system of the mobile phone 200 includes an OTP requesting OTP authentication to a mobile phone 200 having the OTP agent configuration shown in FIG. 1 and a user having the mobile phone 200. An authentication request server 215, OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, OTP generation information for authentication of the medium for authenticating the mobile phone 200 with an OTP medium, and the mobile phone 200. In the storage medium 265 in association with the OTP generation information for generating an N-digit OTP in the storage medium, and provides the OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. After the OTP agent is provided in the mobile phone 200, the OTP agent may be omitted. When the mobile phone 200 is used as an OTP medium, the mobile phone 200 is generated through OTP medium authentication information and OTP generation information for medium authentication. Received OTP for authenticated media Read the OTP medium authentication information to first authenticate the mobile phone 200 as an OTP medium, and secondly authenticate the mobile phone 200 as an OTP medium through the OTP generation information for the medium authentication, and then store the storage medium. And an OTP operating system for checking the OTP generation information corresponding to the mobile phone 200 from the mobile phone 200 and providing the mobile phone 200 to the mobile phone 200 to generate the N-digit OTP. The user terminal 205 used by the user having the mobile phone 200 according to the intention of the person skilled in the art, and the OTP server 220 for authenticating the N-digit OTP generated by the mobile phone 200 is further characterized. It is made to include.

According to the present invention, the OTP operating system, each means constituting the OTP operating system is implemented in the form of one integrated server, or each means (or a combination of two or more means) constituting the OTP operating system Each server is implemented in the form of a server system implemented, or some of the means for configuring the OTP operating system is implemented in the form of a server and the other part of the OTP server 220, OTP authentication request server 215, The OTP server 220 or OTP may be implemented in the form of a component of one or more servers among the communication server servers 210 provided in the mobile communication network to which the cellular phone 200 is connected, or constituting the OTP operating system. The authentication request server 215, the carrier server 210 may be all distributed and implemented in the form of components of one or more servers, the OTP operating system is implemented And bayida put out to clarify SHALL not limited to the invention by the server type and implementation location and number.

The mobile phone 200 is characterized in that the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in Figure 1 by being registered as the OTP medium, the mobile phone 200 A dedicated key button is requested to generate an OTP through the provided key input means, or a request is made to generate an OTP through a preset menu selection, or an OTP generation command (or an OTP agent driving command) through the mobile communication network. After receiving the user authentication, by generating (or configured) OTP medium authentication information requesting to authenticate the mobile phone 200 with the OTP medium, and generates the OTP for medium authentication through the OTP generation information for the medium authentication, The OTP medium authentication information and OTP generation information for medium authentication are transmitted to the OTP operating system, and the mobile phone 200 transmits the OTP medium to the OTP operating system. If the authentication, the OTP from the operating system, characterized in that for receiving the OTP generation information, and generates the received information to generate OTP OTP of N digits, and output.

The OTP authentication request server 215 is a general term for a server requesting to authenticate a user, payment, and financial transaction through an OTP generated by the mobile phone 200. Web server processing the authentication, shopping mall server or content providing server or home shopping server processing the payment payment through the OTP generated by the mobile phone 200, authenticate the financial transaction through the OTP generated by the mobile phone 200 The present invention includes one or more banking servers, and the present invention is not limited by the type of the OTP authentication request server 215 and the OTP authentication request method.

The user terminal 205 is a generic term for a communication terminal in which a user having the mobile phone 200 accesses the OTP authentication request server 215 through a communication network, and includes key input means, screen output means, and data communication means. It comprises all kinds of terminal devices provided, preferably a computer terminal including a PC, a laptop, a wireless communication terminal (for example, a mobile phone 200, a mobile Internet terminal, etc.) connected to a wireless communication network, two-way communication function It includes a provided digital TV, IP-TV, home appliances connected to the home network and the like.

According to the embodiment of the present invention, the user terminal 205 and the mobile phone 200 may be the same device, and the present invention is not limited thereto.

The OTP server 220 receives an N-digit OTP generated by the mobile phone 200 through a communication network, generates an OTP 'matching with the OTP, and compares (or verifies) the OTP with the OTP'. As a generic term of the server for processing the OTP authentication, the function of authenticating the OTP in the OTP server 220 may be provided in the OTP operating system, and thus the present invention is not limited thereto.

Referring to FIG. 2, the OTP operating system includes the unique information and the customer information of the mobile phone 200 corresponding to the mobile phone 200 from an OTP registration terminal that registers the mobile phone 200 as an OTP medium. Receiving OTP medium information further including information, OTP generation information for the medium authentication for authenticating the mobile phone 200 to the OTP medium and OTP generation information for generating an N-digit OTP in the mobile phone 200 Generating (or assigning) and linking the OTP medium information with OTP generation information for authenticating the mobile phone 200 to the OTP medium and OTP generation information for generating N-digit OTP in the mobile phone 200. OTP medium registration means 225 to be stored in the storage medium 265 and the mobile phone 200 is registered as the OTP medium, by providing the OTP generation information for the medium authentication to the mobile phone 200 to the mobile phone ( To 200) And a mobile phone processing means 230 for storing in a non-USIM / memory unit. When the mobile phone 200 is not equipped with an OTP agent having the configuration shown in FIG. The means 230 is characterized in that the mobile phone 200 provides the OTP agent program code corresponding to the configuration shown in FIG.

Here, the OTP registration terminal is a generic term for a terminal device that requests the mobile phone 200 to be registered as an OTP medium, and includes a user terminal 205 and an OTP registration authority (for example, a national authority and an OTP authentication request server) used by the user. (215) including one or more terminals (eg, national institution terminal, OTP authentication request server 215 operating institution terminal, card company terminal, financial company terminal, securities company terminal, etc.) provided in the operating institution, card company, financial company, securities company, etc.) Is done.

In order to register the mobile phone 200 as an OTP medium in the OTP registration terminal, input the OTP medium information including mobile phone 200 unique information and customer information corresponding to the mobile phone 200 and further include biometric information. (Or confirm) and transmit the data through the communication network, the OTP medium registration means 225 receives the OTP medium information through the communication network.

The unique information of the mobile phone 200 included in the OTP medium information includes a mobile identification number (MIN), a serial number (ESN), and a subscriber identification number stored in a predetermined system area of a memory unit provided in the mobile phone 200. A separate OTP media identifier (e.g., registered to authenticate that the mobile phone 200 is an OTP medium equipped with an OTP agent capable of generating the N-digit OTP; , Code values that do not overlap).

Alternatively, the unique information of the mobile phone 200 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, and an IMEI in a fixed storage area of the USIM memory provided in the mobile phone 200. A mobile device identity (MSSI), a mobile station international ISDN number (MSISDN), or an IC chip serial number constituting a USIM, or the mobile phone 200 is provided with an OTP agent capable of generating the N-digit OTP. It is preferred to include a separate OTP medium identifier (eg, a non-overlapping code value) or USIM identifier registered to authenticate that it is an OTP medium.

According to an embodiment of the present invention, the OTP medium information may further include biometric information recognized from a user's biometric object, or biometric information for authenticating mall biometric information. In the case of checking the validity of the biometric information in the agent provided in the) or generating the OTP using the mobile phone 200 as an OTP medium, the biometric information may be omitted.

If the mobile phone 200 recognizes the biometric information from the user's biometric object and transmits the biometric information corresponding thereto, the biometric information may be a user validity having a mobile phone 200 registered as the OTP medium or It is preferably used to authenticate the OTP generation validity, or as a condition for providing OTP generation information to be provided to the mobile phone 200.

According to an embodiment of the present invention, the OTP medium information may further include a user password or a user personal identification number designated by the user, and the user password or user personal identification number is a mobile phone registered with the OTP medium. It is preferably used to authenticate the user validity having the 200, or as a condition for providing OTP generation information to be provided to the mobile phone (200).

Preferably, the customer information includes a social security number corresponding to the nominee (or user) of the mobile phone 200 to be used as the OTP medium, and according to the intention of the person skilled in the art, the name, address, and contact information of the nominee (or user). It is desirable to further include the same personal information.

If the financial transaction is included in the object of authentication using the mobile phone 200 as an OTP medium, the customer information further includes financial information (eg, an account number, a bank, etc.) of the customer corresponding to the customer information. desirable.

Alternatively, when a card transaction is included in the object of authentication using the mobile phone 200 as an OTP medium, the customer information further includes card information (eg, card number, card company, etc.) of the customer corresponding to the customer information. desirable.

According to the intention of the person skilled in the art and the field of using the mobile phone 200 as the OTP medium, the customer information may be a variety of information (for example, the user who authenticates using the mobile phone 200 as the OTP medium may authenticate the game accessor). If included, customer account information for the game, etc.) may be further included, whereby the present invention is not limited.

When the OTP medium information is received, the OTP medium registration means 225 provides the customer information and the unique information of the mobile phone 200 to the communication company server 210, thereby providing the mobile phone 200 through the communication company server 210. It is desirable to authenticate the validity of using) as the OTP medium.

If the OTP medium information is received or the validity of using the mobile phone 200 as an OTP medium is authenticated, the OTP medium registration means 225 may be configured to authenticate the mobile phone 200 as an OTP medium. After generating (or assigning) one or more M (M> = m> = 1) medium authentication OTP generation information and M OTP generation information for generating N-digit OTP in the mobile phone 200, the generation M index values are uniquely assigned to M (or assigned) M medium authentication OTP generation information and OTP generation information.

Here, the OTP generation information for the medium authentication is provided to the mobile phone 200 and stored (or encrypted) in the USIM / memory unit provided in the mobile phone 200, and the OTP for medium authentication in the mobile phone 200. It is preferred to include one or more fixed seed values for generating the parameters and parameters for determining the dynamic seed value.

The OTP generation information is maintained on the OTP operating system and includes parameters for determining one or more fixed seed values and dynamic seed values for generating N-digit OTPs by an OTP agent provided in the mobile phone 200. It is preferable to make it.

The index value is a number / code value uniquely assigned in one-to-one matching so as not to overlap the M (M> = m> = 1) medium authentication OTP generation information and the OTP generation information. And an index for determining (or selecting) any one of the medium authentication OTP generation information and the OTP generation information which form a pair of the generation information and the OTP generation information.

The OTP medium information is received from the OTP registration terminal, OTP generation information for authenticating the medium for authenticating the mobile phone 200 to the OTP medium, and OTP generation information for generating N-digit OTP in the mobile phone 200. When generated (or assigned), the OTP medium registration means 225 stores the OTP medium information, the M medium authentication OTP generation information, OTP generation information, and index values in the storage medium 265.

When the mobile phone 200 is registered as the OTP medium by the OTP medium registration means 225, the mobile phone processing means 230, the mobile phone 200 corresponding to the unique information of the mobile phone 200 through a mobile communication network And the communication channel, and m (m <= M) medium authentication OTP generation information and its index value corresponding to a portion (or all) of the M medium authentication OTP generation information, OTP generation information, and index value. It provides to the mobile phone 200 through the communication channel to store in the USIM / memory unit provided in the mobile phone 200, the OTP medium information includes the biometric information, the mobile phone ( When confirming the biometric validity in 200, the mobile phone processing means 230 provides the biometric information (or biometric information for authenticating the biometric information) to the mobile phone 200 to the mobile phone 200 on It is desirable to store in the provided USIM / memory section.

If the mobile phone 200 is not equipped with the OTP agent corresponding to the configuration of the mobile phone 200 shown in Figure 1, the mobile phone processing means 230, the mobile phone 200 in Figure 1 It is preferable to provide an OTP agent program code corresponding to the illustrated configuration and to record it on a recording medium provided in the mobile phone 200. The OTP agent program code and OTP generation information for medium authentication are provided through a separate channel. 200) or the OTP agent program code and the m medium authentication OTP generation information and index value (the biometric information is included in the OTP medium information and the biometric validity in the mobile phone 200). When confirming, the package data including the biometric information (or biometric authentication information for authenticating the biometric information) is the Anything that is provided to the mobile phone 200 is possible, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the mobile phone processing means 230 may further provide OTP generation information for generating the N-digit OTP to the mobile phone 200, whereby the present invention is not limited thereto. No.

Referring to FIG. 2, the OTP operating system includes information receiving means 235 for receiving OTP medium authentication information requesting to authenticate the mobile phone 200 as an OTP medium from the mobile phone 200 through a mobile communication network; And a medium authentication means 240 for comparing (or verifying) the OTP medium authentication information with the OTP medium information stored in the storage medium 265 to authenticate the mobile phone 200 as an OTP medium. When the user password or user identification number is received from the mobile phone 200, the user password or user identification number is compared with the user password or user identification number stored in the storage medium 265 (or verification operation). It further comprises a user authentication means 245 for authenticating the user validity of the mobile phone 200 used as the OTP medium Is recommended.

According to an exemplary embodiment of the present invention, a dedicated key button for requesting generation of an OTP is input through a key input unit provided in the mobile phone 200, or a request for generating an OTP through a preset menu selection is performed. Check (or extract) the unique information of the mobile phone 200 from the USIM / memory unit at 200), including the unique information of the mobile phone 200, and generated through OTP generation information for medium authentication provided in the mobile phone 200; When the OTP medium authentication information is further configured and further transmitted through the mobile communication network, the information receiving means 235 receives the OTP medium authentication information through the mobile communication network.

According to another exemplary embodiment of the present invention, the information receiving means 235 configures (or extracts from a database) an OTP generation command (or OTP agent driving command) for driving an OTP agent provided in the mobile phone 200. And transmits the OTP generation command (or OTP agent driving command) to the mobile phone 200 through the mobile communication network, and correspondingly OTP through the OTP generation command (or OTP agent driving command) in the mobile phone 200. Runs an agent, checks (or extracts) the unique information of the mobile phone 200 from the USIM / memory unit in the mobile phone 200, includes the unique information of the mobile phone 200, and authenticates the medium provided in the mobile phone 200. When the OTP medium authentication information is further configured through the OTP generation information, the OTP medium authentication information is generated through the mobile communication network. The OTP medium authentication information is received through a mobile communication network.

That is, the OTP medium authentication information includes the unique information of the mobile phone 200, or according to the intention of the person skilled in the art through the unique information of the mobile phone 200 and the OTP generation information for medium authentication provided in the mobile phone 200. It is preferable to include the generated OTP for medium authentication.

If the OTP medium authentication information does not include the OTP generation information for the medium authentication, the mobile phone 200 transmits the OTP generation information for the medium authentication through a separate channel, the information receiving means 235 It is preferable to receive the OTP generation information for the medium authentication from the mobile phone 200 through a separate channel, whereby the present invention is not limited.

According to an embodiment of the present invention, the OTP medium authentication information further comprises at least one index value corresponding to any one of a user password or a user personal identification number and m index values included in the mobile phone 200. Preferably, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the unique information of the mobile phone 200 included in the OTP medium authentication information is a phone number assigned to the mobile phone 200, the unique information of the mobile phone 200 is the OTP medium authentication information. It is possible to be identified through the caller information for the mobile phone 200 without being directly included in, thereby the present invention is not limited.

According to another embodiment of the present invention, if the user password or the personal identification number is not included in the OTP medium authentication information, the information receiving means 235 is the user password or through a separate channel after the OTP medium authentication It is preferable to receive a user identification number, whereby the present invention is not limited.

Alternatively, when the OTP medium authentication information does not include an index value corresponding to any one of the m index values provided in the mobile phone 200, the information receiving means 235 is a separate channel after the OTP medium authentication. It is preferable to receive the index value through, whereby the present invention is not limited.

If the biometric information is included in the OTP medium authentication information, the OTP medium authentication information preferably includes the mobile phone 200 unique information and biometric information, and the index value or the user password or the user's personal information. Identification number may be included in the OTP medium authentication information according to the intention of the skilled person.

When OTP medium authentication information is received from the mobile phone 200, the medium authentication means 240 includes an OTP medium including configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 265. Confirm the information, compare the configuration information included in the OTP medium authentication information with the configuration information included in the OTP medium information, and perform the comparison (or verify operation) as a result included in the OTP medium authentication information. Information and the configuration information included in the OTP medium information stored in the storage medium 265 is matched (or matched), or if a predicted result is obtained through a verification operation, the mobile phone 200 transmitting the OTP medium authentication information ) Is first authenticated by the valid mobile phone 200 registered as the OTP medium by the OTP medium registration means 225.

When the medium authentication OTP is received from the mobile phone 200, the medium authentication means 240 checks the medium authentication OTP generation information corresponding to the mobile phone 200 from the storage medium 265.

If the M medium authentication OTP generation information is stored in the storage medium 265, and the index value corresponding to any one of the M medium authentication OTP generation information is received from the mobile phone 200, the medium authentication is performed. The means 240 is characterized by checking the medium authentication OTP generation information corresponding to the index value among the M medium authentication OTP generation information stored in the storage medium 265.

When the medium authentication OTP generation information is confirmed, the medium authentication unit 240 confirms one or more fixed seed values included in the OTP generation information for medium authentication, and through the parameter included in the OTP generation information for medium authentication. Determine at least one dynamic seed value, generate the at least one fixed seed value and the dynamic seed value in a preset OTP generation algorithm in a predetermined OTP generation algorithm, and then generate the received OTP and the generated media authentication OTP. When the medium authentication OTP 'is compared (or a verification operation) and the received medium authentication OTP and the generated medium authentication OTP' are matched (or matched), or a verification operation yields a predicted result. The first mobile terminal 200 transmits the OTP medium authentication information to a valid mobile phone 200 registered as an OTP medium by the OTP medium registration unit 225. The.

If the biometric information is included in the OTP medium authentication information, the medium authentication means 240 may use the biometric information matched with the biometric information included in the OTP medium authentication information from the storage medium 265. Or confirm biometric authentication information, compare the biometric information included in the OTP medium authentication information with the biometric information included in the OTP medium information (or verify the biometric information), and perform the comparison (or verify operation). As a result, the biometric information included in the OTP medium authentication information and the biometric information included in the OTP medium information stored in the storage medium 265 are matched (or matched), or a predicted result is obtained through a verification operation. When the OTP medium authentication information is transmitted, the mobile phone 200 is authenticated as a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225, or the mobile phone 200 For providing the generated information to be provided to the OTP it characterized in that the process to be validated.

According to an embodiment of the present invention, a process of first authenticating the mobile phone 200 as an OTP medium through the OTP medium authentication information, and a second authentication of the mobile phone 200 as an OTP medium through the OTP for medium authentication The process may be reversed or may be performed at the same time, thereby not limiting the present invention.

When the user password or the user identification number is included in the OTP medium authentication information or when the user password or the user identification number is received from the mobile phone 200 through a separate channel, the user authentication means 245, The user password or user identification number and the user password or user identification number included in the OTP medium information stored in the storage medium 265 (or verification operation) is compared (or verification operation) result of the comparison (or verification operation) the user password Alternatively, when the user personal identification number and the user password or the user personal identification number stored in the storage medium 265 are matched (or matched), or a predetermined result is obtained through a verification operation, the mobile phone 200 is carried. A user authenticates as a valid valid user of the mobile phone 200 registered with the OTP medium. It characterized in that the process to be validated for providing an OTP generated information to be provided to the mobile phone based 200 OK.

Referring to FIG. 2, if the mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, the OTP operating system may provide OTP medium information corresponding to the OTP medium authentication information from the storage medium 265. And information transmitting means 250 for confirming OTP generation information connected to the mobile communication network and information transmitting means 250 for transmitting the checked OTP generation information to the mobile phone 200 through the mobile communication network. When the index value is received from the mobile phone 200, the information checking means 260 confirms the OTP generation information corresponding to the index value among the M OTP generation information stored in the storage medium 265. When the index value is received from the mobile phone 200, server-side OTP generation information corresponding to the index value among the M OTP generation information stored in the storage medium 265. It is characterized by checking the beam.

When the mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, and the validity for providing the OTP generation information to be provided to the mobile phone 200 or the validity of the mobile phone 200 is further authenticated. (Optional), the information checking means 260 checks the OTP generation information connected to the unique information of the mobile phone 200 corresponding to the OTP medium authentication information from the storage medium 265, or the user password or It is characterized by checking the OTP generation information associated with the user identification number.

When the OTP generation information is confirmed, the information transmitting means 250 transmits the OTP generation information to the mobile phone 200 through a communication channel connected to the mobile phone 200 through the mobile communication network. .

According to another embodiment of the present invention, when the mobile phone 200 is provided with OTP generation information for generating the N-digit OTP, the information transmitting means 250 is the OTP medium authentication result only the mobile phone 200 In this case, the mobile phone 200 can generate an N-digit OTP through OTP generation information provided in the mobile phone 200 based on the OTP medium authentication result.

Referring to FIG. 2, the OTP operating system receives an N-digit OTP generated by an OTP agent provided in the mobile phone 200 through a communication network, and connects the OTP with the unique information of the mobile phone 200 generating the OTP. OTP authentication means for confirming generation information, generating N-digit OTP 'through the OTP generation information, and comparing (or verifying operation) the N-digit OTP and OTP' to authenticate whether the received OTP is valid ( 255), and the function of authenticating the OTP in the OTP authentication means 255 may be implemented in a separate OTP server 220, and the present invention provides all the possible inference methods. It is clearly to be included.

When the mobile phone 200 generates the N-digit OTP and the OTP is input and transmitted through the OTP input interface displayed on the user terminal 205, the OTP authentication means 255 or the OTP server 220 And receiving the OTP from the user terminal 205 through a communication network. When the OTP is encrypted and transmitted, the OTP is decrypted according to a preset decryption method.

Alternatively, when the N-digit OTP is generated, the mobile phone 200 may transmit the generated OTP through a mobile communication network, and the OTP authentication means 255 or the OTP server 220 establishes a mobile communication network. And receiving the OTP from the mobile phone 200. When the OTP is encrypted and transmitted, the OTP is decrypted according to a preset decryption method.

When the OTP is received, the OTP authentication means 255 or the OTP server 220 confirms the OTP generation information connected to the unique information of the mobile phone 200 that generated the OTP, and from the confirmed OTP generation information. Identify one or more fixed seed values for generating OTP ', determine one or more dynamic seed values through the parameters included in the OTP generation information, and set the one or more fixed seed values and dynamic seed values that have been determined / determined. NTP OTP 'is generated by substituting the OTP generation algorithm.

When the N-digit OTP 'is generated, the OTP authentication means 255 or the OTP server 220 compares (or verifies) the received N-digit OTP with the generated OTP' to perform the OTP authentication. Process.

If the result of the comparison matches (or matches) the OTP and the OTP ', or a predicted result is obtained through the verification operation, the OTP authentication means 255 or the OTP server 220 indicates that the OTP is authenticated. The OTP authentication result is provided to one or more OTP authentication result receiving means of the OTP authentication request server 215, the user terminal 205, and the mobile phone 200 that require the OTP authentication result.

On the other hand, if the comparison results do not match (or match) the OTP and OTP ', or if a predicted result is not obtained through a verification operation, the OTP authentication means 255 or the OTP server 220 authenticates the OTP. It is processed as not, and provides the OTP authentication result to one or more OTP authentication result receiving means of the OTP authentication request server 215, the user terminal 205, the mobile phone 200 that requires the OTP authentication result.

3 is a diagram illustrating an OTP medium registration process according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a process of registering a user's mobile phone 200 as an OTP medium on an OTP system of the mobile phone 200 shown in FIG. 2, and has a general knowledge in the art. It will be appreciated that various implementation methods (e.g., some steps may be omitted or the order may be changed) for the OTP medium registration process may be inferred by referring to and / or modifying the present invention. It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 3, the OTP operating system shown in Figure 2 is referred to as "server" for convenience.

Referring to FIG. 3, when the OTP registration terminal accesses a server through a communication network and requests registration of the user's mobile phone 200 as an OTP medium (300), the server transmits the user information and the user to the OTP registration terminal. And provides an OTP medium registration interface for inputting / registering OTP medium information including unique information of the mobile phone 200 corresponding to the mobile phone 200 of the mobile phone 200, and in response thereto, the OTP registration terminal is configured to The OTP medium information including the unique information and the customer information and further including the biometric information is input and configured through the mobile phone 200 and transmitted to the server (310).

The server receives the OTP medium information including the unique information and the customer information of the mobile phone 200 from the OTP registration terminal, and further includes biometric information, and transmits the unique information and customer information of the mobile phone 200 to the mobile phone ( 200 is provided to the communication company server 210 corresponding to the unique information to check the validity of using the mobile phone 200 corresponding to the unique information of the mobile phone 200 as the OTP medium (315).

If the validity of using the mobile phone 200 as an OTP medium is not confirmed (320), the server provides OTP medium error information to the OTP registration terminal (325), and the mobile phone 200 as an OTP medium. End the registration process.

On the other hand, if the validity of using the mobile phone 200 as an OTP medium is verified (320), the server authenticates M (M> = 1) media for authenticating the mobile phone 200 to the OTP medium as an OTP medium. Generating OTP generation information and M OTP generation information for generating N-digit OTP in the mobile phone 200, and generating M number corresponding to the M medium authentication OTP generation information and OTP generation information. After uniquely allocating an index value (330), the OTP medium information and the allocated (or generated) M medium authentication OTP generation information, OTP generation information, and index values are stored in the storage medium 265 in association. (335).

According to the embodiment of the present invention, it is possible to allocate only one medium of OTP generation information and OTP generation information for the medium authentication in the server. In this case, the server may not be assigned the index value.

Here, the OTP generation information for the medium authentication is provided to the mobile phone 200 and stored (or encrypted) in the USIM / memory unit provided in the mobile phone 200, and the OTP for medium authentication in the mobile phone 200. It is preferred to include one or more fixed seed values for generating the parameters and parameters for determining the dynamic seed value.

The OTP generation information is maintained on the OTP operating system and includes parameters for determining one or more fixed seed values and dynamic seed values for generating N-digit OTPs by an OTP agent provided in the mobile phone 200. It is preferable to make it.

Thereafter, the server checks whether the mobile phone 200 corresponding to the unique information of the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 (340).

According to an embodiment of the present invention, the server is unique information of the mobile phone 200 and OTP agent information (eg, OTP agent version information, OTP issuer information, OTP usage information, OTP agent use) provided in the mobile phone 200 It is preferable to check whether the OTP agent is provided in the mobile phone 200 through a database (not shown) or OTP server 220 or a communication company server 210 that stores the details and the like.

If the mobile phone 200 is not equipped with an OTP agent (345), the server is operable in the platform (or operating system) provided in the mobile phone 200 and the configuration of the mobile phone 200 shown in FIG. M (1 <= m <= M) media for authenticating the mobile phone 200 as an OTP medium by the OTP agent among the corresponding OTP agent program codes and the allocated M terminal OTP generation information and index values. Providing authentication OTP generation information to the mobile phone 200 (350), the mobile phone 200 records the OTP agent on a recording medium (for example, the program area of the USIM / memory unit) provided in the mobile phone 200 The m medium authentication OTP generation information and index values are connected to the OTP agent and stored in the USIM / memory unit provided in the mobile phone 200 (360).

On the contrary, if the mobile phone 200 is equipped with an OTP agent (345), the server authenticates the mobile phone 200 with the OTP medium by the OTP agent among the allocated M medium authentication OTP generation information and index values. M (1 <= m <= M) media authentication OTP generation information and index values for the mobile phone 200 are provided to the mobile phone 200 (355), and the mobile phone 200 provides the OTP generation information for the m medium authentication and The index value is connected to an OTP agent recorded on a recording medium (eg, a program area of the USIM / memory unit) provided in the mobile phone 200 and stored in the USIM / memory unit provided in the mobile phone 200 (360). .

When the biometric information is stored in the USIM / memory unit provided in the mobile phone 200 according to the embodiment of the present invention, the server provides the biometric information to the mobile phone 200 to provide the mobile phone 200. Stored in the USIM / memory unit provided in, the biometric information may be provided to the mobile phone 200 is included in the OTP generation information or OTP agent program code for the medium authentication.

According to another exemplary embodiment of the present invention, the server may further provide the mobile phone 200 with OTP generation information for generating the N-digit OTP, whereby the present invention is not limited thereto.

4 is a diagram illustrating an OTP generation process according to an embodiment of the present invention.

In more detail, Figure 4 shows that after the user's mobile phone 200 is registered as an OTP medium through the process shown in Figure 3, the mobile phone 200 shown in Figure 1 and the OTP operating system shown in Figure 2 and In the process of generating the O (N> = 2) digits in association, it shows a process of generating OTP without using biometrics, and the method of using biometrics in the process shown in FIG. It will be illustrated and described. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to implement various implementation methods (e.g., some steps may be omitted or the order may be changed) for the OTP generation process. It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

For example, FIG. 4 illustrates a method for transmitting the OTP medium authentication information to the OTP operating system including the OTP medium authentication information generated through the mobile phone 200 unique information, the index value, and the terminal-side OTP generation information corresponding to the index value. Although the present invention is not limited to this, the index value or the OTP for medium authentication is not included in the OTP medium authentication information, but may be transmitted to an OTP operating system through a separate channel. In addition, the OTP medium authentication information further comprises a user password or user identification number for user authentication in the OTP operating system, or transmit the user password or user identification number to the OTP operating system through a separate channel. All are possible, and the present invention can be modified through all the embodiments shown in FIG. It is clear that it includes law.

In the following Figure 4, the OTP operating system shown in Figure 2 is referred to as "server" for convenience.

Referring to FIG. 4, after the user's mobile phone 200 is registered as an OTP medium through the process shown in FIG. 3, the mobile phone 200 requests to generate the N-digit OTP through a key input means. When a dedicated key button is inputted, or a request is made to generate the N-digit OTP through a preset menu selection, or when an OTP generation command (or OTP agent driving command) is received through the mobile communication network, FIG. By driving an OTP agent corresponding to the illustrated mobile phone 200 configuration, the user requests for user authentication for using the mobile phone 200 as an OTP medium (400), and processes user authentication through a user password or a user personal identification number. (405).

According to an embodiment of the present invention, the process of driving the OTP agent may be driven through biometric information as shown in FIG. 5, or the user authentication process may be replaced by biometric authentication as shown in FIG. 5. It is possible to be.

If the user authentication is not effectively processed (410), the mobile phone 200 outputs user authentication error information (415), and terminates the OTP generation process.

On the other hand, if the user authentication is effectively processed (410), the mobile phone 200 determines any one of the index values to be used for OTP authentication of m index values stored in the USIM / memory unit, the determined index value and the index Confirming the medium authentication OTP generation information corresponding to the value (420), checking one or more fixed seed values included in the medium authentication OTP generation information, and checking one through a parameter included in the medium authentication OTP generation information. The mobile terminal corresponding to the mobile phone 200 is determined by determining the dynamic seed value, generating the OTP for medium authentication by substituting the at least one fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm (425). (200) OTP medium including OTP for medium authentication generated through the unique information, the determined index value and the terminal-side OTP generation information corresponding to the index value; After configuring the chain certificate information (430), connecting the communication channel with the server, and transmits the OTP medium authentication information to the server through the communication channel (435).

According to the embodiment of the present invention, the OTP medium authentication information may further include biometric information as shown in FIG. 5.

The server receives the OTP medium authentication information through the communication channel, reads unique information of the mobile phone 200 included in the received OTP medium authentication information, and first authenticates the mobile phone 200 with an OTP medium ( 440).

According to an embodiment of the present invention, the server checks the OTP medium information including the configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 265, and includes in the OTP medium authentication information. The configured configuration information and the configuration information included in the OTP medium information and compare the configuration information included in the OTP medium authentication information with the configuration information included in the OTP medium authentication information and the OTP medium stored in the storage medium 265. If the configuration information included in the information is matched (or matched) or a result of the prediction is obtained through a verification operation, the OTP medium registration means 225 sends the mobile phone 200 which has transmitted the OTP medium authentication information. It is desirable to authenticate with a valid mobile phone 200 registered as an OTP medium.

According to an exemplary embodiment of the present invention, when biometric information is further received through the process illustrated in FIG. 5, the server recognizes the biometric that matches the biometric information included in the OTP medium authentication information from the storage medium 265. Check the information (or biometric authentication information), compare the biometric information included in the OTP medium authentication information with the biometric information included in the OTP medium information (or verify the biometric information), and compare (or verify) the biometric information. Operation) result of the biometric information included in the OTP medium authentication information and the biometric information included in the OTP medium information stored in the storage medium 265 is matched (or matched), or a result previously predicted through a verification operation Once derived, it is desirable to authenticate the mobile phone 200 having transmitted the OTP medium authentication information to a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225. It is.

If the mobile phone 200 is not first authenticated as a valid OTP medium (445), the server transmits OTP medium error information to the mobile phone 200 (450), and terminates the OTP generation process.

On the other hand, if the mobile phone 200 is first authenticated as a valid OTP medium (445), the server is associated with the OTP medium information including the unique information of the mobile phone 200 for M medium authentication stored in the storage medium 265 Confirm OTP generation information for medium authentication corresponding to the index value among OTP generation information (455), and identify / determine one or more fixed seed values and dynamic seed values through OTP generation information for medium authentication, and confirm / determine the Substituting one or more fixed seed values and dynamic seed values into a predetermined OTP generation algorithm to generate an OTP 'for medium authentication, and then comparing (or verifying operation) the received OTP for medium authentication with the generated OTP' for medium authentication. In step 460, the mobile phone 200 authenticates as the OTP medium.

According to an embodiment of the present invention, a process of first authenticating the mobile phone 200 as an OTP medium through the OTP medium authentication information, and a second authentication of the mobile phone 200 as an OTP medium through the OTP for medium authentication The process may be reversed or may be performed at the same time, thereby not limiting the present invention.

If the mobile phone 200 is not authenticated as a second valid OTP medium (465), the server transmits OTP medium error information to the mobile phone 200 (445), and terminates the OTP generation process.

If the mobile phone 200 is second authenticated as a valid OTP medium (465), the server is associated with the OTP medium information including the unique information of the mobile phone 200, M OTP generation information stored in the storage medium 265 The OTP generation information corresponding to the index value is checked and transmitted to the mobile phone 200 through a communication channel (470). In response, the mobile phone 200 transmits one or more fixed seeds through the received OTP generation information. A value and a dynamic seed value are checked / determined, and the identified / determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm to generate and output N digits of the O digits (475).

According to another embodiment of the present invention, when the OTP generation information for generating the N-digit OTP is provided in the mobile phone 200, the server may provide only the OTP medium authentication result to the mobile phone 200. In this case, the mobile phone 200 may generate N-digit OTP through OTP generation information provided in the mobile phone 200 based on the OTP medium authentication result.

When the biometric information is used as the OTP generation information according to an embodiment of the present invention, the OTP generation unit is a fixed seed value included in the OTP generation information to the biometric information (or the fixed seed value of the OTP generation information). The fixed seed value further including the biometric information processed to be used as the reference information, or the fixed seed value of the OTP generation information without the separate fixed seed value included in the OTP generation information. In the case of using, the biometric information (or the biometric information processed to be used as a fixed seed value of the OTP generation information) is confirmed, and then one or more dynamic seed values are determined through parameters included in the OTP generation information. Determine and determine the at least one fixed seed value and the dynamic seed value by using a predetermined OTP generation algorithm. Assigned to it it is preferable to generate N (N> = 2) digits of the OTP.

5 is a diagram illustrating a biometric processing process according to an embodiment of the present invention.

More specifically, FIG. 5 recognizes the user's biometric information from a biometric object corresponding to any one of the user's fingerprint, iris, retina, and face in the process shown in FIG. 4, and the recognized biometric information is preset. After converting the biometric information corresponding to a predetermined data structure according to a biometric method, the OTP agent provided in the mobile phone 200 is driven or the OTP agent generates an OTP. It is shown as an implementation method used as OTP driving information for authenticating or included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 200 to the OTP operating system, which is common in the art. Those skilled in the art can refer to and / or modify this drawing 5 to implement various methods for the biometric processing process ( For example, some steps may be omitted or the order in which the order is changed may be inferred. However, the present invention includes all of the inferred implementation methods, and the technical features may be modified only by the implementation method shown in FIG. It is not limited.

Hereinafter, the OTP operating system shown in FIG. 2 in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 5, the mobile phone 200 outputs a biometric interface for requesting recognition of biometric information from a biometric object of the user, and corresponds to any one of a fingerprint, an iris, a retina, and a face of the user. The biometric information of the user is recognized from the recognition target (500). If the biometric information is recognized from the user's biometric object (505), the mobile phone 200 converts the recognized biometric information into biometric information corresponding to a preset data structure according to a preset biometric method; In operation 510, the biometric validity is authenticated through the biometric information (or biometric authentication information) stored in the USIM / memory unit.

If the biometric validity is not authenticated (515), the mobile phone 200 outputs biometric authentication error information (520), and terminates the process of generating / outputting an OTP through the mobile phone 200.

On the other hand, if the biometric validity is authenticated (515), the mobile phone 200 drives the OTP agent (525), configures the OTP medium authentication information through the process shown in Figure 4 and transmits to the server, or When the OTP agent is pre-driven, the biometric validation result is processed as a user authentication result, and then the OTP medium authentication information is configured and transmitted to the server through the process shown in FIG.

If the biometric information is included in the OTP medium authentication information during the process shown in FIG. 4 (530), the mobile phone 200 adds the biometric information to the OTP medium authentication information including the unique information of the mobile phone 200. The apparatus further includes configuring OTP medium authentication information (535), connects the communication channel with the server, and transmits the OTP medium authentication information to the server through the communication channel (540).

6 is a diagram illustrating an OTP authentication process according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an N (N>) generated by the mobile phone 200 shown in FIG. 1 through a process shown in FIGS. 4 and 5 through a communication network in the OTP operating system shown in FIG. = 2) illustrates the process of receiving OTPs of digits, generating N digits OTP 'matching the OTP, and comparing (or verifying) the received N digits of OTP with OTP' to authenticate OTP validity. As those skilled in the art to which the present invention pertains, various methods of implementing the OTP authentication process (for example, some steps may be omitted or the order may be changed) by referring to and / or modifying the present invention. Method) can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

In the following Figure 6, the OTP operating system shown in Figure 2 is referred to as "server" for convenience.

Referring to FIG. 6, after the N-digit OTP is generated / output by the mobile phone 200 shown in FIG. 1 through the process shown in FIGS. 4 and 5, the server is shown in FIG. Receiving the N-digit OTP input through the OTP input interface output to the user terminal 205, or receives the generated N-digit OTP from the mobile phone 200 shown in Figure 1 (600), Of the M terminal OTP generation information corresponding to the OTP medium in which the N-digit OTP is generated from the storage medium 265, the index value corresponding to the index value confirmed through the process shown in FIGS. 4 and 5 is provided ( In FIG. 4 and FIG. 5, if the index value is not confirmed, the OTP generation information is omitted (605).

When the N-digit OTP is received from the user terminal 205 according to an embodiment of the present invention, the unique information of the mobile phone 200 corresponding to the OTP medium is an OTP authentication request before the N-digit OTP is received. It may be provided to the server in the process, or to the server with the N-digit OTP.

When the N-digit OTP is received from the user terminal 205 according to another embodiment of the present invention, the unique information of the mobile phone 200 corresponding to the OTP medium is determined from caller information corresponding to the mobile phone 200. It is preferred that it is identified or provided to the server with the N-digit OTP.

Thereafter, the server confirms one or more fixed seed values for generating the N-digit OTP 'from the OTP generation information, determines one or more dynamic seed values through the parameters included in the OTP generation information, and the identification. The determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm to generate N digits of OTP '(615).

If the N-digit OTP 'is generated (620), the server compares (or verifies) the received N-digit OTP' to verify the OTP validity (625).

According to the exemplary embodiment of the present invention, if the result of the comparison between the OTP and the OTP 'is matched (or matched) or a pre-predicted result is obtained through a verification operation, the server verifies the validity of the OTP. Treat it as done.

If the OTP validity is not confirmed (630), the server receives a predetermined OTP authentication result receiving means (eg, OTP authentication request server 215, user terminal 205, mobile phone) OTP authentication result corresponding to the OTP validity error (Include one or more of 200) (635).

On the other hand, if the OTP validity is confirmed (630), the server receives the OTP authentication result corresponding to the OTP validity check means (for example, OTP authentication request server 215, user terminal 205, mobile phone ( One or more of 200) (640).

According to the present invention, one or more information sets for authenticating the mobile phone as an OTP medium through a communication network are stored (or set) in a universal subscriber identity module (USIM) or a memory area of a user mobile phone used as an OTP medium, Is used as an OTP medium, OTP medium authentication information and terminal side including one or more of the information set stored in the USIM / memory and biometric information recognized from the user's living body (eg, fingerprint, iris, retina, face) The OTP generated through the OTP generation information is transmitted to a server on a communication network to first authenticate the mobile phone as a valid OTP medium through the OTP medium authentication information, and to authenticate the mobile phone as a valid OTP medium through the received OTP. Every time an OTP is generated through the mobile phone, the mobile phone is authenticated as a valid OTP medium, There are advantages to continuously verify and maintain the reliability of the OTP generated by your phone.

According to the present invention, when the mobile phone provides the OTP generation information associated with the biometrics of the user in the server on the communication network when the first and second authentications are valid OTP mediums, the mobile phone receives the OTP generation information. By generating and outputting N-digit OTP through N-digit OTP is generated and output only by a mobile phone registered as a valid OTP medium, and is always a two-factor regardless of whether the mobile phone is used for various non-face-to-face transaction media. This has the advantage of satisfying two-factor authentication conditions.

Claims (8)

OTP medium information including mobile phone unique information registered in the server as an OTP (One Time Password) medium and biometric information recognized from the user's living body, and a terminal provided in the USIM (or memory) of the mobile phone registered as the OTP medium. Storing and maintaining side OTP generation information and OTP generation information for generating O (N> = 2) digits in a storage medium; Transmitting, by a mobile phone, OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and the biometric information and OTP generated through the terminal-side OTP generation information to a server on a communication network; The server first authenticates the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information. Generating an OTP 'from the terminal-side OTP generation information associated with the biometrics of the user from the terminal, and comparing (or verifying) the received OTP with the second OTP medium; Transmitting, by the server, OTP generation information associated with the biometrics of the user from the storage medium to the mobile phone, when the mobile phone is authenticated with the OTP medium through the first and second authentications; And Receiving the OTP generation information from the mobile phone to generate an N-digit OTP; OTP operation method of a plurality of authentication methods in conjunction with biometrics, characterized in that comprises a. The method of claim 1, And incorporating the code value corresponding to the biometric information into the information for generating the N-digit OTP. The method of claim 1, When the user terminal or the mobile phone transmits the N-digit OTP, checking, by the server, OTP generation information associated with the biometrics of the user from the storage medium; Generating an N-digit OTP 'through the OTP generation information at the server; And And (b) verifying the validity of the N-digit OTP by comparing (or verifying) the received N-digit OTP and the generated N-digit OTP 'by the server. OTP operation method of plural authentication method to work together. The method of claim 1, The OTP medium authentication information, Characterized in that it further comprises a user password or user personal identification number, And the server further comprises authenticating the mobile phone with an OTP medium through the user password or the user personal identification number. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium and biometric information recognized from a user's living body, and a terminal-side OTP provided in the USIM (or memory) of the mobile phone registered as the OTP medium. A storage medium storing generation information and OTP generation information for generating an OTP having N (N> = 2) digits; When the user's mobile phone transmits OTP medium authentication information including mobile phone unique information and the biometric information and OTP generated through the terminal-side OTP generation information, OTP medium information stored in the storage medium and the OTP medium authentication information are transmitted. Comparing (or verifying) the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP, and first authenticates the mobile phone via terminal-side OTP generation information associated with biometrics of the user from the storage medium. Medium authentication means for generating a second and comparing (or verifying operation) with the received OTP to authenticate the mobile phone with the OTP medium; Information checking means for confirming OTP generation information associated with biometrics of the user from the storage medium when the mobile phone is authenticated with the OTP medium by the first and second authentication means; And And information transmission means for transmitting the OTP generation information to the mobile phone. The method of claim 6, When the N-digit OTP is received from the user terminal or the mobile phone, after confirming the OTP generation information associated with the biometrics of the user from the storage medium, the N-digit OTP 'is generated through the OTP generation information. And an OTP authentication means for authenticating the validity of the N-digit OTP by comparing (or verifying) the received N-digit OTP with the generated N-digit OTP '. Multi-authentication OTP operating system. A biometric unit recognizing biometric information from a user's biometric body; Code generation unit for generating the OTP through the terminal-side OTP generation information stored in the USIM (or memory); One-time password (OTP) medium authentication information including mobile phone unique information and the biometric information stored in the USIM (or memory) and the generated OTP are transmitted to a server on a communication network to request authentication of the mobile phone as an OTP medium. An authentication processing unit; A receiving unit which receives OTP generation information according to a first OTP medium authentication result through the OTP medium authentication information and a second OTP medium authentication result through the generated OTP; An OTP generation unit for generating an O (N> = 2) digit OTP through the OTP generation information; And And an OTP output unit for outputting the N-digit OTP.

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