KR20010087564A - User authentification system and the method using personal mobile device - Google Patents

Abstract

PURPOSE: A system for processing a user authentication using a personal portable terminal and a method therefor are provided to offer the security and the convenience which are not provided by other authentication systems by dividing a personal portable terminal number and a password of a credit card through an inter-different communication network and inputting the personal portable terminal number and the password of the credit through the inter-different communication network. CONSTITUTION: An authentication request block(10) receives a primary authentication key through the first network from an authenticator. An authentication block(20) performs a user authentication for providing first and second authentication keys for performing a financial transaction such as a commerce transaction and an account transfer through the authentication request block(10) and performing the settlement and the payment according to the performed financial transaction. An authentication providing block(30) receives an authentication request from the authentication request block(10), requests the secondary authentication key to the authentication block(20) through the second network, receives the secondary authentication key from the authentication block(20), and performs the user authentication to the transaction.

Description

USER AUTHENTIFICATION SYSTEM AND THE METHOD USING PERSONAL MOBILE DEVICE}

The present invention relates to a user authentication processing system and a method using a personal mobile terminal, and more particularly, a user authentication required in commerce and electronic commerce, account transfer, cash withdrawal, etc. using a personal mobile terminal and a mobile terminal number. The present invention relates to a user authentication processing system using a personal portable terminal and a method thereof.

In general, as payments for credit cards have expanded and become more common, payment methods through credit cards have tended to overtake traditional payment methods for cash payments. Therefore, electronic commerce through the Internet is being activated.

In the case of general commerce through such a credit card, payment for goods purchase is performed by checking the information of the credit card through a card inquiry machine installed at the credit card merchant, and if the credit card is valid, the buyer performs user authentication such as signing on the payment receipt. By doing so, the deal was established. However, in the conventional general commerce, when a user loses a credit card, there is a problem that user damage due to an illegal user's signature forgery cannot be prevented.

In addition, in the electronic commerce through the Internet, the user's authentication of a credit card (or electronic money) is performed as an example of a payment method for payment of goods purchased by a buyer (user). Such a user authentication processing system is generally stored in advance in the system after receiving an ID (user ID or credit card number) and an authentication item (for example, an item required for authentication such as a password) for accessing a specific service system from a purchaser. The user's authentication of the transaction is performed after comparison with that user. In order to prevent hacking of card numbers, passwords or transmission data, which are personal credit information in the conventional electronic commerce, data transmitted between the user terminal and the service providing system is encrypted and transmitted through a predetermined encryption algorithm, and then decrypted.

Meanwhile, various security systems and user authentication processing systems have been developed to prevent leakage and damage of personal credit and important information from hackers with highly specialized hacking ability in the rapidly developing information industry. However, the cryptographic authentication processing system used in the conventional electronic commerce has fundamental technical limitations, and despite the development of security systems (firewalls, etc.), the hacking methods of advanced hackers are in a state of no help.

In particular, in the case of intercepting and decrypting hacked personal credit information, especially credit card numbers and passwords, the service providing system has no choice but to perform user authentication to an unjust user. Therefore, even in the case of a credit card transaction through electronic commerce, if a credit card number is leaked, there is a problem that there is a security risk as in a credit card transaction in general commerce.

In addition, it is a fact that there is a difficulty in activating electronic commerce through the Internet due to the inconvenience and inconvenience caused by the financial damage and installation of the security system due to the leakage of the credit card number.

Accordingly, the present invention has been made to solve such a conventional problem, and its object is to provide information on a direct payment account such as a credit card in conventional general and financial transactions such as electronic commerce, bank transfer and cash withdrawal. The system and method for user authentication processing using a personal mobile terminal, which can provide security and convenience that other authentication systems cannot provide by separating and inputting the personal mobile device number and the password of a credit card through different communication networks. It is to provide.

1 is a system block diagram showing the configuration of a user authentication processing system using a personal portable terminal according to the present invention.

2 is a schematic flowchart showing an embodiment of a user authentication method using a personal portable terminal according to an embodiment of the present invention.

3 is a detailed flowchart of an authentication preparation step and an authentication request step according to the present invention.

4 shows a detailed flowchart of the authentication confirmation request step according to the present invention.

5 is a detailed flowchart of the authentication confirmation response step in the user authentication method according to the present invention.

6 is a detailed flowchart of an authentication determination step and a confirmation delivery step in the user authentication method according to the present invention.

Explanation of symbols on the main parts of the drawings

10 ... authentication requirements, 20 ... authentication means.

30 means of providing authentication, 31 authentication servers,

32 ... Authentication database.

In order to achieve the above object, a user authentication processing system using a personal portable terminal according to the present invention is a user authentication processing system for processing authentication of an authenticator who is an authentication subject for a predetermined authentication history,

Authentication requesting means for generating the authentication details and receiving a personal digital assistant number as a primary authentication key from the authenticator via a first network;

The primary authentication key is received from the authentication requesting means, the authentication details are transmitted to the corresponding personal portable terminal of the transmitted primary authentication key, and the secondary is transmitted from the authenticator through a second network that is distinct from the first network. And an authentication providing means for requesting an authentication key and receiving the second authentication key from an authenticator and processing user authentication through the first and second authentication keys.

In addition, in the user authentication processing method using a personal portable terminal according to the present invention, in the user authentication processing method for processing the user authentication for the authenticator by providing the authentication details from the authentication requesting means to the authentication providing means,

An authentication preparation step of generating an authentication history for the authenticator and receiving the authenticator's mobile terminal number as a primary authentication key necessary for authenticating the user through the first network;

An authentication request step of requesting user authentication by transmitting a primary authentication key including the authentication details and the mobile terminal number to an authentication providing means,

An authentication confirmation request step of transmitting a message requesting confirmation of authentication details and input of a second authentication key for authentication approval from the received primary authentication key to a mobile terminal number through a second network distinct from the first network;

An authentication confirmation response step of receiving a second authentication key required for confirmation of authentication details from the authenticator receiving the authentication request message and transmitting the received authentication key to the authentication providing means;

An authentication determination step of determining an authentication result by comparing the second authentication key and the first authentication key received through the authentication confirmation response step with the authentication details stored in the database of the authentication providing means;

And an authentication result delivery step of transmitting the authentication decision result to the authentication requester to complete an authentication process.

Hereinafter, the configuration and operation of the user authentication processing system and method using the personal portable terminal according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a system block diagram showing the configuration of a user authentication processing system using a personal portable terminal according to the present invention. As shown in FIG. 1, a user authentication processing system using a personal portable terminal according to the present invention has a credit card merchant and / or electronic device provided with an authentication information input unit such as an existing credit card inquiry machine to greatly request user authentication. An authentication requesting means (10) for representing an Internet server system for operating a homepage for an internet store for conducting commerce, and receiving a primary authentication key from the authenticator through a first network;

Authentication means for performing a user authentication for performing a financial transaction, such as commerce, account transfer, etc. for the goods through the authentication request means 10 and providing first and second authentication keys for performing payment and payment accordingly ( Certifier) (20),

Accepts the authentication request from the authentication requesting means 10, requests the authentication means 20 to the secondary authentication key through the second network, and receives the second authentication key from the authentication means 20 for the transaction. It can be divided into the authentication providing means 30 for performing a user authentication for.

In the above-described configuration, the authentication requesting means 10 generally corresponds to a server system that operates a homepage provided for performing e-commerce on a store or the Internet where payment and payment are possible through a payment alternative means such as a credit card. .

The authentication requesting means (10) is provided with an authentication information input unit (not shown) for receiving a phone number of the personal mobile terminal of the authentication means 20 and transmitting it to the authentication providing means, wherein the authentication information input unit (not shown) ) Indicates a program or a corresponding device that can search for credit card availability on a server running a credit card checker or homepage. Further, the authentication information input unit corresponds to an automatic financial transaction terminal (ATM) in the case of a financial transaction such as cash withdrawal.

In addition, the authentication details transmitted to the authentication providing means 30 through the authentication request means 10 is a payment that can be paid through the mobile terminal phone number of the authenticator 20, the customer's mobile terminal in the case of commerce / e-commerce. It contains the information necessary for authentication such as the institution code, payment history, payment price, and store identification code of the institution (credit card, bank, etc.) in which the account is opened.

On the other hand, in the case of the account transfer, the authentication request means 10 and the authentication means 20 is the same, the authentication details in this case includes the payee account number, the transfer amount, the authority code of the authentication providing means. Meanwhile, the payee account number may be replaced with the payee's mobile terminal number. In this case, the payee account should be provided with the credit institution code of the payee account.

The authentication means 20 includes a personal portable terminal and a customer using the portable terminal. In this case, the personal portable terminal includes, for example, a mobile communication terminal that is secured, such as a mobile phone, a PCS, a PDA, and the like, which are currently used a lot. At this time, the customer (buyer, user) can perform user authentication (enter the credit card and password of the bank account) for the payment means (credit card, bank account, etc.) through the portable terminal. In this case, a plurality of payment accounts payable through the mobile terminal may be provided. In this case, a transaction through a specific account may be selectively determined through an institution code of an authentication providing means input as authentication details.

The authentication providing means 30 corresponds to an authentication processing system (hereinafter referred to as an authentication server) for user authentication and payment in a credit card company or a bank. Accordingly, the authentication providing means 30 performs wireless communication with the personal portable terminal through a CDMA mobile communication network, and mutually communicates with the authentication requesting means 10 through a communication network such as a conventional VAN, a dedicated line network, and other telephone networks. It is connected.

In addition, the authentication providing means 30 is a payment transaction is possible through the telephone number of the personal portable terminal which is the primary authentication key owned by the customer registered in the corresponding authentication server 31, and the telephone number of the personal portable terminal And an authentication database for storing a predetermined payment account, that is, a credit card number or a bank account, and a password set as a password, which is a second authentication key for approving a transaction for the payment account.

In this configuration, first, in the case of general commerce and e-commerce, a customer wants to purchase goods and the like at a store (also referred to as an internet homepage) registered as an affiliate of the user authentication service according to the present invention and perform payment accordingly. In the case where the customer enters the personal mobile terminal number of the customer through the first network in the authentication information input unit installed in the store, an institution in which a payment account set up to be payable through the payment amount of the purchased amount and the customer's mobile terminal number is opened. You will be asked to enter the code of your bank or credit card company.

At this time, the mobile phone number and the payment amount input through the first network are input to the main computer of the credit card company (or bank), which is an authentication providing means corresponding to the corresponding certification authority code, through an existing communication network (for example, VAN). In addition, the credit card company performs an automatic call through the second network with the received mobile terminal number. At this time, when there is a reception response to the automatic paging signal, a message about whether to approve the transaction regarding the purchase item details and the payment amount of the customer received from the authentication requesting means is transmitted.

On the other hand, the authenticator 20 checks the transaction approval message transmitted to the ARS, voice message or text message via the second network when the incoming signal of the mobile phone after receiving a predetermined time and responds to the reception. At this time, if the contents of the transaction approval message are correct, the credit card password is input as an example of the payment account as the user authentication code for approving the transaction.

In addition, the main computer of the credit card company transmits a transaction approval message to the customer's mobile phone and checks whether a password, which is a user authentication code for transaction approval, has been entered within a predetermined time period. After confirming that the mobile phone number, credit card number, and password of the right user is a valid user will output a user authentication approval signal to the authentication requesting means.

Finally, in the authentication requesting means, when a transaction approval is received from the credit card company, which is an authentication providing means, payment of the purchased goods of the customer is completed.

On the other hand, this authentication method using a personal portable terminal according to the present invention can be generally applied to other financial transactions in addition to the case of purchasing goods through a credit card in the commerce, the whole process is applied in the same way, the first authentication details There are some differences in the steps to determine.

In the case of account transfer, which is another embodiment of the present invention, the authentication requesting means and the authenticator become the same means. In this case, the authenticator provides the primary authentication key, the payee account number, the transfer amount, and the authentication through his mobile terminal. Enter the engine code of the means. At this time, the generated authentication details are the payee account number (or payee mobile terminal number), the transfer amount, the institution code of the authentication providing means and the like as described above. Thereafter, the authentication details are transmitted to the authentication providing means, and the authentication providing means calls the authenticator's mobile terminal through the second network to transmit the transfer details through the primary authentication key. The second authentication key is transmitted to the authentication providing means. Similarly, the authentication providing means checks the primary and secondary authentication keys, determines whether the transfer is approved, and informs the authenticator of the authentication result.

On the other hand, in the case of cash withdrawal through another embodiment, the authenticator first enters his personal mobile terminal number as the primary authentication key at the place where a certain ATM is installed, and then withdraws the amount and the institution code of the authentication providing means. Will be entered. At this time, the generated authentication details become the withdrawal amount and the authority code of the authentication providing means. After that, the authentication providing means connected to the ATM sends a call signal to the authenticator's mobile terminal through the input primary authentication key, and requests the authenticator to input the secondary authentication key. At this time, if the authenticator inputs the second authentication key through a communication network separate from the communication network in which the first authentication key is input, the authentication providing means checks the first and second authentication keys and transmits the authentication approval result to the ATM to withdraw cash. Allow the transaction to end.

Hereinafter, an operation and an effect of a user authentication method using a personal portable terminal according to the present invention will be described in detail with reference to the accompanying drawings.

2 is a schematic flowchart showing an embodiment of a user authentication method using a personal portable terminal according to the present invention. As shown in FIG. 2, in the user authentication method using the personal portable terminal according to the present invention, in the user authentication processing method of receiving user authentication details from the authentication requesting means and processing user authentication for the corresponding authenticator,

An authentication preparation step (S10) of generating an authentication history for the authenticator and receiving the authenticator's mobile terminal number as a primary authentication key necessary for authenticating the user through the first network;

An authentication request step (S20) of requesting user authentication by transmitting a primary authentication key including the authentication details and the mobile terminal number to an authentication providing means;

An authentication confirmation request for transmitting a message requesting confirmation of authentication details and input of a second authentication key for authentication approval to the mobile terminal number of the authenticator of the received primary authentication key through a second network distinct from the first network. Step S40,

An authentication confirmation response step (S50) of receiving a second authentication key required for confirmation of authentication details from the authenticator receiving the authentication request message and transmitting the received authentication key to the authentication providing means;

An authentication determination step (S60) of comparing the secondary authentication key and the primary authentication key received through the authentication confirmation response step (S50) with the authentication details stored in the database of the authentication providing means to determine the authentication result (S60),

And an authentication result delivery step (S70) of completing the authentication process by delivering the authentication decision result to the authentication requester.

On the other hand, the user authentication processing method using a personal portable terminal according to the present invention is determined by determining the mobile terminal number of the authenticator from the primary authentication key received through the authentication request step (S20) of the database of the authentication providing means 30 ( 32) further comprises an authentication verification step (S30) for determining whether the corresponding payment account set to the mobile terminal number is a valid account, the authentication verification step (S30) can optionally be omitted.

If it is omitted to be selectively added or omitted depending on the load capacity of the authentication server 31, which is the authentication providing means 30, it is to perform a series of processes performed in the authenticator verification step also in the authentication determination step (S60). As a result, the processing speed of the authentication server can be improved.

Meanwhile, in the authentication confirmation request step (S40) and the authentication confirmation response step (S50), for example, the service is provided through communication between the credit card company and the mobile terminal of the customer who is the buyer. At this time, the communication network for requesting the authentication details and the second authentication key in the authentication confirmation request step (S40) may not require high security, but the authentication confirmation response step (S50) may include the personal information of the customer ( Second authentication key, which is the password of the payment account, is transmitted through the wireless network, so it must be made through a secure network, and such a security network can be used as a CDMA-type mobile communication network or a WAP SSL network.

3 is a detailed flowchart of the authentication preparation step and the authentication request step shown in FIG. 2. As shown in Figure 3, in the case of the user authentication method according to the present invention by first showing the preparation process for generating the authentication details to be the target of the customer, the purchase items, purchase price, institution to generate the authentication details Generating an authentication history by determining a code and the like (s11), and inputting a mobile terminal number of the authenticator as the primary authentication key (s12) to pay for the authentication details determined in the authentication history generation step (s11). It is made to include. The authentication history generation step (s12) and the second authentication key providing step (s12) is connected to the mobile terminal number which is the primary authentication key to the store owner, the institution code (bank code, credit company of the payment institution opened) Code) orally, or directly entering the corresponding payment field on the homepage.

When a plurality of payment accounts are connected to the mobile terminal of the customer by inputting the organization code in the input step (s11), it is possible to select to enable payment in a specific payment account through the organization code input as the authentication details.

On the other hand, inputting the number of the mobile terminal, which is the primary authentication key, is performed through the primary network. In this case, the primary network uses wireless data from the mobile terminal to the authentication information input unit such as a credit card inquiry machine. A wireless interface network configured to be input as is applicable. Or, in the case of Internet commerce, the Internet network is applicable. Furthermore, the phone number of the authenticator can be inputted to the authentication requesting means by using a storage medium such as a card in which the phone number of the mobile terminal is embedded, and the phone number of the authenticator. It is not limited to.

When the authentication details (purchase item, purchase price) are generated and input of the primary authentication key, which is the mobile terminal number of the authenticator, is completed, the entered authentication details and the primary authentication key are obtained through the same communication network as the existing VAN. The authentication request is sent to the card company's computer.

FIG. 4 shows a detailed flowchart of the authentication confirmation request step shown in FIG. As shown in FIG. 4, in the request delivery step of the user authentication processing system according to the present invention, the authentication server first checks whether an authentication request for a specific authentication history has been received from an example of an authentication requester in step s410. When the authentication request is received, the process proceeds to the next step (s420) to check the mobile terminal number of the corresponding authentication target through the authentication details and the primary authentication key. Then perform an automatic call (dial through CDMA / WAP) to the number of the mobile terminal confirmed in the next step (s430), if there is a response within a predetermined time through the automatic call in the next step (s450) The confirmation message for the authentication details is transmitted through the second network. At this time, the confirmation message for the authentication details may be made through a text message (SMS) or voice message using the mobile communication network or through an automatic response service (ARS). These various methods are delivered to the mobile terminal of the customer to request the customer's authentication confirmation (s460).

On the other hand, even if the authentication confirmation request message is transmitted, if there is no call response from the mobile terminal, after repeating the predetermined number of times, the authentication confirmation is canceled (s480), and the authentication requestor is notified of the authentication result (s70).

FIG. 5 is a detailed flowchart of an authentication confirmation response step in the user authentication method according to the present invention. As shown in FIG. 5, the authentication confirmation response step may be applied to its own mobile terminal through the authentication request step. When the automatic call from the authentication server 31 is received, the customer confirms an authentication confirmation message received in response to the automatic call in step s510. In this case, the authentication details transmitted from the authentication server 31 may be a merchant name, a purchased article, a purchase price, a purchase date and the like in the case of purchasing a product. Therefore, if the authentication details received through the mobile terminal in step s520 are the same as the details purchased by the customer in step s520, as a response to the authentication in the next step (s530) of the payment account of the second authentication key of his payment account. The password is entered and sent to the authentication server. In this case, the secondary authentication key is performed through a second network, which is a separate communication network that is distinct from the first network, and the second network may be a CDMA telephone network applied as a security network.

However, if the authentication details received in step s520 do not match their purchase details, the transaction is terminated by not ending the call without inputting the second authentication key required by the authentication server in the next step s560. It will abort and refuse authentication.

In this case, the password is input through a communication network such as CDMA or WAP SSL, which is a security network for which security is guaranteed. On the other hand, the password is to verify that the customer is a legitimate individual user of the mobile terminal at the same time and the actual user of the credit card stored in the authentication database of the authentication server, the contents are not only numbers, such as password, but also letters Or other information such as a fingerprint. In addition, in the case of biometric information of an individual such as a fingerprint, a corresponding fingerprint database should be established in the authentication database of the authentication providing means.

Figure 6 shows a detailed flowchart of the authentication determination step and the authentication result delivery step in the user authentication method according to the present invention. As shown in FIG. 6, in the user authentication method according to the present invention, the authentication determination step is performed from the customer within the predetermined time in step s620 after the authentication details are transmitted to the authenticator through the authentication confirmation response step. It is determined whether or not the second authentication key has been entered. At this time, if the authentication details are transmitted from the authentication server to the customer's mobile communication terminal and there is no input of the second authentication key or other response from the customer within a predetermined time, the authentication is rejected and the transaction cancellation message is sent to the affiliated store. do.

On the other hand, if the password of the payment account is entered as a second authentication key, which is an authorization number for the authentication details from the customer, after checking the password of the customer's mobile terminal and the corresponding payment account stored in the authentication database in the next step (s630) ( In step s640), it is determined whether the password of the payment account confirmed in the database and the password which is the second authentication key transmitted through the mobile terminal of the customer match.

If the second authentication key received and the password stored in the database does not match as a result of the determination, the process proceeds to step s651 to transmit to the customer terminal and the merchant that the authentication for the transaction has been rejected.

On the other hand, if the transmitted password and the password stored in the database is matched with the determination result, the process proceeds to the next step (s660) to send a transaction approval message to the customer terminal and the authentication request means to establish the transaction.

The network level security required by the user authentication processing system and method using the personal mobile terminal according to the present invention is sufficient to have only the security of the existing VAN financial network and the CDMA mobile communication network level. In particular, even if information about authentication details, such as the type and price of a personal mobile phone number transmitted through a first network or a separate communication network, such as a VAN, is not likely to cause a serious financial accident. In addition, credit card numbers, which are the subject of direct financial damages, are not transmitted through the network at all, so the risk of leakage is inherently blocked. In addition, even if the second authentication key, which is the password of the payment account transferred to the mobile communication network, which is the second network, is leaked, it is of no use to a person who does not have both the mobile terminal number and the mobile terminal at the same time.

On the other hand, if the security is likely to be a problem First, in the case of lost or illegal terminal duplication of the personal portable terminal, the transaction is not possible without inputting the password of the payment account, which is the second authentication key in the processing procedure of the present invention, the user Can be defended by a loss report.

Second, when the personal portable terminal number is leaked, since the authentication result is called to the personal portable terminal in the second authentication procedure, the problem does not occur unless the portable terminal is lost.

Third, in the case of a credit card number leakage, the credit card number and the financial account number are not likely to be leaked because they are not transmitted through the network in the processing procedure of the present invention.

Fourth, if the card password is leaked, even if the card's password is leaked during transmission, it can not be used without a personal portable device and password.

Fifth, when a mobile terminal number and a card password are leaked to the same person at the same time, since a terminal device is necessary for the second authentication, it cannot be used without a personal portable terminal.

Sixth, when the same person acquires a personal handheld terminal and a card password at the same time may be caused by a compulsory reason and can only be prevented by the user's self-defense. This problem is solved not only in the present invention but also in all other authentication procedures. Can't.

The following Table 1 shows a case where a financial accident can occur in the existing authentication / payment method and the authentication method of the present invention. As shown, the present invention has the lowest possibility of a financial accident.

Accident due to card or card number leakage Accident due to leak of password Accident due to simultaneous spill General Merchandise Transactions by Credit Card △ X O Internet / Credit Card Purchase O X O Electronic wallet △ * X △ * The present invention X X X

(△: △: Possible if there is a card loss and signature forgery, △ *: possible if the encryption algorithm is broken, it may be stolen).

The system for authenticating a user using a personal portable terminal and a method thereof according to the present invention are not limited to the above-described embodiments, and various modifications can be made within the scope of the technical spirit of the present invention.

As described above, in the user authentication processing system and method using the personal mobile terminal according to the present invention, a customer who purchases through general commerce or electronic commerce registers with a bank or a card company without having a credit card or a cash card. Payment can be made using your own personal mobile terminal. In addition, since the credit card number, which is a direct payment method, is not transmitted through mobile communication networks or other networks such as VANs at the time of payment, financial accidents caused by direct credit card number leakage can be prevented and high security is provided accordingly. can do.

Furthermore, by connecting with multiple credit cards or bank accounts through one personal portable terminal, it is possible to provide simplicity of portability and convenience of use.

Claims (32)

A user authentication processing system for processing authentication of an authenticator, which is an authentication subject for a predetermined authentication history, Authentication requesting means for generating the authentication details and receiving a personal digital assistant number as a primary authentication key from the authenticator via a first network; The primary authentication key is received from the authentication requesting means, the authentication details are transmitted to the corresponding personal portable terminal of the transmitted primary authentication key, and the secondary is transmitted from the authenticator through a second network which is distinguished from the first network. Authentication authentication means for requesting an authentication key, and receiving the secondary authentication key from the authenticator and processing the user authentication through the primary and secondary authentication keys, characterized in that the user authentication Processing system. The method of claim 1, wherein the authentication requesting means And a credit card inquiry machine which receives the personal mobile terminal number as a primary authentication key through a first network and transmits it to the authentication providing means to make a transaction payment. The system of claim 2, wherein the authentication details include an identification code of an authentication requesting means, an institution code of an authentication providing means, and a transaction history. The personal digital assistant according to claim 1, wherein the authentication requesting means is an automatic financial transaction terminal that receives the personal digital assistant number as a primary authentication key and transmits the same to the authentication providing means for cash withdrawal. User Authentication Processing System. 5. The user authentication processing system using a personal portable terminal as claimed in claim 4, wherein the authentication details include a withdrawal amount and an organization code of the authentication providing means. The user authentication process according to claim 1, wherein the authentication requesting means is the same as the authenticator, and the authentication details include a payee account number, a transfer amount, and an organization code of the authentication providing means. system. The method of claim 6, wherein the authentication details include a recipient's mobile terminal number, a credit institution code of a recipient account that is set up to be connected with the recipient's mobile terminal number, a transfer amount, and an organization code of an authentication provider. User authentication processing system using a personal mobile terminal. The system of claim 1, wherein the secondary authentication key is a password of a payment account that is connected to the authenticator's personal portable terminal number. 9. The user authentication processing system according to claim 8, wherein the password of the payment account includes biometric information of the authenticator. The method of claim 1, wherein the authentication providing means And a database for storing a telephone number of the personal portable terminal of the authenticator, a payment account capable of making a payment transaction through the telephone number of the personal portable terminal, and a password set to enable transactions through the payment account. User authentication processing system using a mobile terminal. The system of claim 1, wherein the first network is a network that performs a wireless interface between an authenticator's personal portable terminal and the authentication requesting means. 2. The user authentication processing system according to claim 1, wherein the first network is a network capable of reading a terminal number of a storage medium storing an authenticator's personal portable terminal number through the authentication requesting means. . The user authentication processing system using a personal portable terminal as claimed in claim 1, wherein the first network is the Internet. The system of claim 1, wherein the second network is an automatic answering service through a mobile communication network. The system of claim 1, wherein the second network is a wireless Internet using a mobile communication network. The system of claim 1, wherein the second network is a short message service (SMS) through a mobile communication network. The system of claim 1, wherein the user authentication processing system is And a second authentication key from the authenticator through a third network configured separately from the second network. The authentication terminal according to claim 1, wherein the mobile terminal number of the authenticator is connected to at least one payment account capable of financial transactions in accordance with the input of the second authentication key by the authenticator, and is provided at the time of generating the authentication details. And a corresponding payment account is selected from the at least one payment account according to the institution code input of the providing means. In the user authentication processing method of providing user authentication details for the authenticator by providing the authentication details from the authentication requesting means to the authentication providing means, An authentication preparation step of generating an authentication history for the authenticator and receiving the authenticator's mobile terminal number as a primary authentication key necessary for authenticating the user through the first network; An authentication request step of requesting user authentication by transmitting a primary authentication key including the authentication details and the mobile terminal number to an authentication providing means, An authentication confirmation request step of transmitting a message requesting confirmation of authentication details and input of a second authentication key for authentication approval from the received primary authentication key to a mobile terminal number through a second network distinct from the first network; An authentication confirmation response step of receiving a second authentication key required for confirmation of authentication details from the authenticator receiving the authentication request message and transmitting the received authentication key to the authentication providing means; An authentication determination step of determining an authentication result by comparing the second authentication key and the first authentication key received through the authentication confirmation response step with the authentication details stored in the database of the authentication providing means; And an authentication result delivery step of transmitting the authentication decision result to the authentication requester to complete an authentication process. The method of claim 19, The first authentication key received through the authentication requesting step determines the authenticator's mobile terminal number, searches the database of the authentication providing means, and determines whether the corresponding payment account connected to the portable terminal number is a valid account. User authentication processing method using a personal mobile terminal, characterized in that further comprising a verification step. 20. The user of claim 19, wherein the second authentication key is a password of a payment account that is connected to the mobile terminal number of the customer inputted as the first authentication key and pays for the authentication details. How authentication is handled. 22. The method of claim 21, wherein the password of the payment account, which is the secondary authentication key, includes biometric information of an authenticator. 20. The method of claim 19, wherein the step of requesting authentication confirmation And transmitting the authentication details and the secondary authentication key request message from the authentication providing means to the portable terminal of the authenticator through an ARS call using a mobile communication network. 20. The method of claim 19, wherein the step of requesting authentication confirmation And transmitting the authentication details and the secondary authentication key request message from the authentication providing means to a portable terminal of the authenticator through a short message service using a mobile communication network. 20. The method of claim 19, wherein the step of requesting authentication confirmation And a second authentication key request message from the authentication providing means to the authenticator's portable terminal via the wireless Internet using a mobile communication network. The method of claim 19, wherein the authentication confirmation response step User authentication processing method using a personal portable terminal, characterized in that the same network as the second network. The method of claim 19, wherein the authentication confirmation response step And a third network distinct from the first and second networks. The method of claim 19, wherein the authentication details A user authentication processing method using a personal mobile terminal, characterized in that it comprises an identification code of an authentication requesting means, an institution code of an authentication providing means, and a transaction history. The method of claim 19, wherein the authentication details When the authentication requesting means is an automatic financial transaction terminal (ATM), a user authentication processing system using a personal portable terminal comprising a withdrawal amount and an institution code of the authentication providing means. The method of claim 19, wherein the authentication details In the case of the same account transfer, the authentication requesting means and the authenticator include a payee account number, a transfer amount, and an organization code of an authentication providing means. 31. The individual according to claim 30, wherein the authentication details include a recipient's mobile terminal number, a credit institution code of a payment account set up to be connected with the mobile terminal number, a transfer amount, and an organization code of an authentication providing means. User authentication processing method using a mobile terminal. 20. The method according to claim 19, wherein the mobile terminal number of the authenticator is connected to at least one payment account capable of financial transactions in accordance with the input of the second authentication key by the authenticator, and is provided at the time of generating the authentication details. And a payment account of the corresponding authentication providing means is selected from the at least one payment account according to the institution code input of the providing means.