KR101733318B1 - Otp authentication system and method - Google Patents

Otp authentication system and method Download PDF

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Publication number
KR101733318B1
KR101733318B1 KR1020150185628A KR20150185628A KR101733318B1 KR 101733318 B1 KR101733318 B1 KR 101733318B1 KR 1020150185628 A KR1020150185628 A KR 1020150185628A KR 20150185628 A KR20150185628 A KR 20150185628A KR 101733318 B1 KR101733318 B1 KR 101733318B1
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KR
South Korea
Prior art keywords
otp
terminal
authentication
short
service
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Application number
KR1020150185628A
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Korean (ko)
Inventor
이경수
Original Assignee
중소기업은행
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Priority to KR1020150185628A priority Critical patent/KR101733318B1/en
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Publication of KR101733318B1 publication Critical patent/KR101733318B1/en

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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H04W4/008—

Abstract

The present invention relates to a system for one time password (OTP) authentication. The system for OTP authentication comprises: an accessory OTP terminal which includes a first short-range wireless transceiving module, and stores an OTP program; a host terminal which includes a second short-range wireless transceiving module, generates an interface for generating an OTP of the OTP terminal when communicating with the first short-range wireless transceiving module, receives a signal instructing OTP generation via the interface from a user to instruct the OTP terminal to generate an OTP, and receives the generated OTP to transmit the generated OTP to a service providing device to request service provision; and the service providing device to receive the OTP to perform authentication to provide the host terminal which is logged in with a service.

Description

[0001] OTP AUTHENTICATION SYSTEM AND METHOD [0002]

At least some embodiments of the present invention relate to an OTP authentication system using an OTP terminal, a terminal, and an authentication method using the same.

Generally, OTP is an abbreviation of One Time Password and refers to authentication method using one-time password.

The OTP system includes an OTP terminal to be carried by a user (consumer), a PC as a means for a user to connect to an OTP authentication server through an Internet network or a wire / wireless telephone network, an OTP terminal And an OTP authentication server that performs authentication processing when a server authentication number generated by the authentication server matches the authentication number based on the current time.

In the conventional OTP terminal and the OTP authentication process using the OTP terminal, when the user accesses the OTP authentication server through the PC 20 and requests authentication, the OTP terminal authenticates the OTP terminal owned by the user corresponding to the current time And generates a disposable password. If the password input by the user matches the password generated by the OTP authentication server, the authentication processing is performed.

The OTP authentication server stores the user ID, the serial number of the OTP terminal owned by the user, the password generation key value, the last transaction date of the user, and the like stored in the user information stored in the database (not shown) When the authentication server is requested to be authenticated, a password corresponding to the current time is generated depending on the password generation key value of the OTP terminal owned by the user.

It is known that the security is superior to the existing 30-digit security card, and the actual security level of the bank is 3 grade for the credit card and 1 grade for the OTP generator. In addition, the type of phishing accident that has recently occurred by taking customer information has also occurred in all users of the card.

One of the main reasons for this notion of security, yet still popular, is portability. Current OTP generators are keyhole-shaped, so it is very inconvenient to carry them continuously. In the past, there was a necessity for a key ring to be able to be attached to an old cell phone. However, most smart phones nowadays can not be connected to a key chain without using a separate earphone cap or a separate smartphone case. It is a tough situation.

In addition, the related art has a problem in that, when a user connects to the OTP authentication server, normal authentication processing is performed when the password of the OTP terminal input to the OTP authentication server is normal regardless of whether the OTP terminal is owned or not.

An object of the present invention is to provide an authentication system and a method using an OTP which improves security by storing a public certificate and an OTP program in a single medium.

The OTP authentication system according to an embodiment of the present invention includes an accessory OTP terminal including a first short range wireless transmission / reception module and storing an OTP (One Time Password) program and a second short range wireless transmission / reception module, 1 short-range wireless transmission / reception module, generates an interface for generating an OTP of the OTP terminal, receives a signal for instructing OTP generation from the user through the interface, instructs the OTP terminal to generate an OTP, And a service providing apparatus for receiving the generated OTP and transmitting the generated OTP to the service providing apparatus, thereby receiving the OTP for providing the service to the host terminal requesting the service provision, and performing the authentication.

The OTP terminal includes a series of character strings, and when the service execution application is executed, the host terminal receives a series of character strings from the OTP terminal and confirms that the OTP terminal is a registered OTP terminal.

The head unit may further include an input unit for initializing an OTP generation number.

The OTP authentication method according to an embodiment of the present invention includes: a step in which a host terminal executes a service execution application to perform close-range communication with an OTP terminal; and a step in which the host terminal generates an interface for generating an OTP of the OTP terminal Receiving a signal indicating generation of an OTP from the user through the interface and instructing the OTP terminal to generate an OTP; and receiving the OTP generated from the OTP terminal, And requesting service provision by transmitting the service request.

The host terminal receives at least one of a plurality of account numbers of the user and a public certificate from the OTP terminal and transmits the received account number to the service providing apparatus.

An object of the present invention is to provide an OTP authentication system and method that can improve convenience and security by using an accessory type OTP.

In the embodiment of the present disclosure, when the OTP terminal is allowed to transfer only the account number stored in advance in the OTP terminal, even if the OTP terminal is stolen or hacked, it is impossible to transfer the account number to another account, .

FIG. 1 is a view for schematically explaining a configuration of an OTP authentication system according to an embodiment of the present invention.
2 is a diagram illustrating the structure of an accessory type OTP terminal according to an embodiment of the present invention.
3 is a diagram illustrating a structure of a host terminal according to an embodiment of the present invention.
4 is a flowchart illustrating an OTP authentication method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

FIG. 1 is a view for schematically explaining a configuration of an OTP authentication system according to an embodiment of the present invention.

The OTP authentication system of one embodiment of the present invention is a system for performing authentication with high security and a service providing device for providing services including finance by transmitting / receiving information for OTP authentication through short-distance communication between an OTP terminal and a host terminal.

The OTP authentication system of one embodiment of the present invention may include an accessory OTP terminal 100, a host terminal 200, and a service providing apparatus 300.

The OTP terminal 100 transmits / receives information for OTP authentication with the host terminal 200 via short-range communication.

 The OTP terminal 100 includes a local communication module and stores an OTP generation program. In addition, the OTP terminal 100 can further store user authentication information. The user authentication information may be set by the user as information necessary for user authentication in order to install the OTP terminal 100 in the external device and read the information stored in the OTP terminal 100. That is, the user can execute the OTP generation program of the OTP terminal 100 only when the user authentication is normally performed.

The host terminal 200 accesses the OTP terminal 100 via short-range communication and transmits / receives information for OTP authentication. To this end, the host terminal 200 includes a local communication module and the like. number. The host terminal 200 is a terminal for performing an arbitrary procedure for accessing a service providing apparatus through a wired / wireless network to receive a service. Examples of terminals include a PC, a notebook, a laptop, and the like.

The short range communication module may be NFC (Near Field Communication).

NFC is a communication method that can complement each other, although its communication range is less than 10cm and is different from Bluetooth or infrared communication method. That is, when the NFC is applied, since the communication distance is short, there is an advantage that the user can decide whether to use the NFC communication or not.

When using NFC, the OTP terminal 100 may include an NFC tag, and the host terminal 200 may include an NFC tag reader.

The service providing apparatus 300 is a device that performs authentication and provides a service to the host terminal 200 connected through wired / wireless communication according to an arbitrary procedure. Here, the service can be applied not only to financial services such as financial institutions, financial institutions or insurance companies but also to public period and general company services that require security when providing Internet services.

2 is a diagram illustrating the structure of an accessory type OTP terminal according to an embodiment of the present invention.

As shown in FIG. 2, the accessory-type OTP terminal 100 may include a head unit 110 and a body unit 120.

The head unit 110 includes a short distance communication module 111, a control unit 112 and a storage unit 113. The storage unit 113 stores an OTP generation program and personal financial information. The personal finance information is information necessary for processing financial transactions stored by the user, and may include any one or more of a plurality of account numbers, a public certificate, and user authentication information. The user authentication information may include at least one of a password including a number or character set by the user and an OTP terminal authentication number.

The control unit 112 may transmit information stored in advance according to a signal received from the external device, or may operate the local communication module and the OTP generation program.

The control unit 112 outputs a signal for controlling the data stored in the data storage unit 130 to be stored in the data storage unit 113 or the data transmitted and received from the external device.

The control unit 120 is connected to the host terminal 200 by the local communication module and when the operation start of the OTP terminal is requested, if there is the user authentication information preset by the user, the control unit 120 transmits the user authentication information to the host terminal 200 .

If the user authentication is normally performed, the control unit 120 receives the OTP generation instruction from the host terminal 200 and displays the generated OTP by operating the OTP generation program. And transmits the displayed OTP to the host terminal 200 through NFC communication.

The OTP may be input directly from the user through the input interface provided in the host terminal 200 in another modification.

The storage unit 113 stores an OTP generation program. When a signal for instructing an OTP generation operation is received from the control unit 120, an OTP random number is generated by operating a preset encryption program. As in the embodiment of the present invention, the OTP program for OTP generation can be configured to be stored in the OTP generation program storage unit which is separated from the general data storage unit by software or hardware so as not to be erased by the mistakes of the users.

The head unit 110 may further include an input unit 114 for initializing an OTP generation number. The input unit 114 may be a button or may be embodied to generate an arbitrary signal by turning the head portion to the left and right. For example, when the right side is rotated 90 degrees, the OTP generation number initialization signal can be transmitted to the OTP generation program.

The body part 120 may be connected to the head part 110 and may be configured to be worn on a finger or a wrist.

3 is a diagram illustrating a structure of a host terminal according to an embodiment of the present invention.

The host terminal 200 may include an input unit 210, a communication unit 220, a control unit 230, a display unit 240, and a storage unit 240.

The input unit 210 generates a signal according to an operation by the user and transmits the generated signal to the controller 220. [

The communication unit 220 includes both a short-range communication module 232 for short-distance communication and a long-distance communication module 234 for long-distance communication.

The control unit 220 controls the operation of each component for authentication and service provisioning of the host terminal 200.

The control unit 220 performs short-range communication with the OTP terminal 100, generates an interface for generating the OTP of the OTP terminal, receives a signal for instructing OTP generation from the user through the interface, And transmits the generated OTP to the service providing apparatus, thereby requesting service provision.

The display unit 240 displays an interface and information for receiving a service. The display unit 240 can display an OTP received from the OTP terminal 100. [ The display unit 240 may display an interface for providing a service provided by the service providing apparatus 300.

4 is a flowchart illustrating an OTP authentication method according to an embodiment of the present invention.

The host terminal executes the service execution application and performs short-range communication with the OTP terminal (S110). The service execution application can perform the login process using the public certificate stored in the OTP terminal before OTP authentication according to the preset case.

The host terminal generates an interface for generating the OTP of the OTP terminal (S120).

The host terminal receives a signal instructing the OTP generation through the interface from the user and instructs the OTP terminal to generate an OTP (S130).

When the OTP terminal is instructed to generate an OTP, it executes an OTP program to generate a random number. The random number is a random one-time password in that it is randomly generated and not used again. That is, a random number is not generated again once it is generated as volatile. Random numbers are composed of numbers and English combinations, but numbers and alphabets can be repeatedly arranged. As an example of random number generation, a random number generates an arbitrary digit number of a secret through an OTP generation algorithm based on a secret key and time of a unique OTP generation program.

The host terminal receives the OTP generated from the OTP terminal, and transmits the OTP to the service providing apparatus to request service provision (S140). The service providing apparatus authenticates the OTP through an authentication server. If the authentication is successful, the service can be provided.

When the service providing apparatus is a financial server, it is possible to provide a service such as an account transfer. In a case where the account number and the like can be stored in the OTP terminal, the service executing application can set the OTP terminal to allow the OTP terminal to transfer only the account number stored in advance in the OTP terminal. In this case, the host apparatus receives the transfer object account number from the OTP terminal through the account transfer interface provided by the service providing apparatus, that is, the financial server, receives the received account number, and performs transfer after OTP authentication for the inputted account number .

When the authorized certificate is stored in the OTP terminal as described above, the convenience of the user can be improved while the security is maintained.

In this way, when only the account number stored in advance in the OTP terminal is allowed to be transferred, security can be improved because the OTP terminal can not be transferred to another account even if the OTP terminal is stolen or hacked.

At this point, it will be appreciated that the combinations of blocks and flowchart illustrations in the process flow diagrams may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, so that those instructions, which are executed through a processor of a computer or other programmable data processing apparatus, Thereby creating means for performing functions. These computer program instructions may also be stored in a computer usable or computer readable memory capable of directing a computer or other programmable data processing apparatus to implement the functionality in a particular manner so that the computer usable or computer readable memory The instructions stored in the block diagram (s) are also capable of producing manufacturing items containing instruction means for performing the functions described in the flowchart block (s). Computer program instructions may also be stored on a computer or other programmable data processing equipment so that a series of operating steps may be performed on a computer or other programmable data processing equipment to create a computer- It is also possible for the instructions to perform the processing equipment to provide steps for executing the functions described in the flowchart block (s).

In addition, each block may represent a module, segment, or portion of code that includes one or more executable instructions for executing the specified logical function (s). It should also be noted that in some alternative implementations, the functions mentioned in the blocks may occur out of order. For example, two blocks shown in succession may actually be executed substantially concurrently, or the blocks may sometimes be performed in reverse order according to the corresponding function.

Herein, the term " part " used in the present embodiment means a hardware component such as software or an FPGA or an ASIC, and 'part' performs certain roles. However, 'part' is not meant to be limited to software or hardware. &Quot; to " may be configured to reside on an addressable storage medium and may be configured to play one or more processors. Thus, by way of example, 'parts' may refer to components such as software components, object-oriented software components, class components and task components, and processes, functions, , Subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables. The functions provided in the components and components may be further combined with a smaller number of components and components or further components and components. In addition, the components and components may be implemented to play back one or more CPUs in a device or a secure multimedia card.

It will be understood by those skilled in the art that the present specification may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present specification is defined by the appended claims rather than the foregoing detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present specification Should be interpreted.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It is not intended to limit the scope of the specification. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

100: Accessory type OTP terminal
110: head portion
120:
200: Host terminal
300: Service providing device

Claims (8)

An accessory OTP terminal including a first short distance wireless transmission / reception module and storing an OTP (One Time Password) program;
And a second short-range wireless transmission / reception module. When short-distance communication with the first short-range wireless transmission / reception module is performed, an interface for generating an OTP of the OTP terminal is generated, and a signal for instructing OTP generation from the user through the interface A host terminal for receiving an input and instructing the OTP terminal to generate an OTP, receiving a generated OTP and transmitting the received OTP to a service providing apparatus, thereby requesting service provision; And
A service providing apparatus for receiving an OTP for providing a service to a host terminal
Including the
The OTP terminal stores one or more account numbers,
Wherein the service providing apparatus is a financial server, and is configured to enable transfer only through OTP authentication for an account number stored in advance in the OTP terminal,
Wherein the host terminal receives the transfer account number from the OTP terminal through the account transfer interface provided by the service providing apparatus, inputs the transferred account number, and performs OTP authentication on the inputted account number. The method of claim 1, wherein the OTP terminal comprises a string of characters,
Wherein when the service execution application is executed, the host terminal receives a series of character strings from the OTP terminal and confirms that the OTP terminal is a registered OTP terminal. The OTP authentication system according to claim 1, wherein the short-range communication is NFC communication, the first short-range wireless transmission / reception module includes an NFC tag, and the second short-range wireless transmission / reception module is an NFC tag reader. The OTP terminal as claimed in claim 1, wherein the OTP terminal includes a head unit including an OTP generation program and a local communication module, and a body unit connected to the head unit and capable of being worn on a finger or a wrist. Authentication system. 5. The OTP authentication system according to claim 4, wherein the head unit further comprises an input unit for initializing an OTP generation number. The OTP authentication system according to claim 1, wherein the OTP terminal further stores at least one of a public key certificate and user authentication information. Executing a service execution application by the host terminal and performing short-range communication with the OTP terminal;
Generating an interface by which the host terminal generates an OTP of the OTP terminal;
Receiving an OTP generation instruction signal from the user through the interface and instructing the OTP terminal to generate an OTP; And
Receiving the OTP generated from the OTP terminal and transmitting the OTP to the service providing apparatus,
, ≪ / RTI &
The OTP terminal stores one or more account numbers,
The service execution application sets OTP authentication only for the account number stored in advance in the OTP terminal,
Wherein the host terminal receives the transfer account number from the OTP terminal through the account transfer interface provided by the service providing apparatus, inputs the transfer account number, and performs OTP authentication only for the inputted account number. 8. The method of claim 7,
Wherein the host terminal receives at least one of a public certificate and user authentication information from the OTP terminal and transmits the received authentication certificate and user authentication information to the service providing apparatus.

KR1020150185628A 2015-12-24 2015-12-24 Otp authentication system and method KR101733318B1 (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100950704B1 (en) * 2009-05-20 2010-03-31 조정현 Information descernment system for unidentified people and method thereof
KR101402660B1 (en) * 2013-09-17 2014-06-03 주식회사 에스씨테크원 Wireless authentication system for one time password using mobile communication terminal comprising near field communication, and method thereof

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100950704B1 (en) * 2009-05-20 2010-03-31 조정현 Information descernment system for unidentified people and method thereof
KR101402660B1 (en) * 2013-09-17 2014-06-03 주식회사 에스씨테크원 Wireless authentication system for one time password using mobile communication terminal comprising near field communication, and method thereof

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