KR20100136044A - System and method for creating otp, mobile phone and recording medium - Google Patents

Abstract

PURPOSE: An OTP(One Time password) generating method, a system, a mobile phone for the same, and a recording medium are provided to transmits OTP medium authentication information to a service on a communication network, thereby authenticating the mobile phone as a valid OTP medium. CONSTITUTION: A medium authentication device(240) compares OTP medium information stored in a storing medium and OTP medium authentication information. The medium authentication device certifies a mobile phone as an OTP medium generating N numbers of OTP. When mobile phone is certified as the OTP medium, an OTP generating device(260) generates OTP through server side OTP generating information about the OTP medium stored in a storing medium. An OTP transmitting device(250) transmits the generated OTP to the mobile phone.

Description

System and Method for Creating OTP, Mobile Phone and Recording Medium}

1 is a diagram illustrating a mobile phone function configuration having a function of generating an N-digit 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 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: battery

130: wireless communication unit 135: USIM reader unit

140: USIM 145: memory unit

150: user authentication unit 155: authentication processing unit

160: receiving unit 165: information configuring unit

170: OTP generating unit 175: 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 in a universal subscriber identity module (USIM) or a memory area of a user mobile phone used as an one time password (OTP) medium. Thereafter, at the time of using the mobile phone as an OTP medium, the mobile phone is transferred to a valid OTP medium from the server on the communication network by transmitting OTP medium authentication information including at least one of the information sets stored in the USIM / memory to a server on the communication network. When the OTP is generated and provided to the mobile phone through server-side OTP generation information according to the OTP medium authentication result, the OTP generation information is configured by combining the OTP generation information and the received OTP in the mobile phone. It is to provide a method and system for generating and outputting N-digit OTP through OTP generation information. .

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 the users connected through the telecommunication network are valid traders and prepare for any possible accidents.

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 preset 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 is reused. Since it is not possible to use, it is used as an authentication means that is safer against 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 storing (or setting) and using the mobile phone as an OTP medium, the mobile phone is authenticated as a valid OTP medium by transmitting OTP medium authentication information including one or more of the information sets stored in the USIM / memory to a server on a communication network. To do that.

Another object of the present invention, when the mobile phone is authenticated as a valid OTP medium, if the OTP is generated from the server on the communication network through the server-side OTP generation information and provided to the mobile phone, the terminal-side OTP generation information and the reception in the mobile phone After the OTP is generated by combining the OTPs, the N-digit OTP is generated and output through the OTP generation information, so that the N-digit OTP is generated and output only by the mobile phone registered as a valid OTP medium. Regardless of being used as various non-face-to-face trading media, two-factor authentication is always satisfied.

The method for generating an OTP according to the present invention comprises: OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium in a server and a terminal side provided in the USIM (or memory) of the mobile phone registered as the OTP medium. Storing and maintaining OTP generation information and server-side OTP generation information for generating OTP on a communication network, and configuring OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) in a mobile phone. Transmitting (or verifying) the OTP medium information stored in the storage medium and the OTP medium authentication information to the server on the server to generate an OTP having N (N> = 2) digits (or Outputting the OTP medium, and when the mobile phone is authenticated with the OTP medium, server-side OTP generation information about the OTP medium stored in the storage medium is stored by the server. Generating an OTP and transmitting the generated OTP to the mobile phone, combining the terminal-side OTP generation information provided in the USIM (or memory) with the received OTP, and configuring the OTP generation information in the mobile phone; And generating an N-digit OTP through the generation information.

In the OTP generation method according to the present invention, when the user terminal or the mobile phone transmits the N-digit OTP, a server generates OTP by checking server-side OTP generation information for the OTP medium from the storage medium, Composing OTP generation information by combining the generated OTP and terminal-side OTP generation information, generating N digits of OTP 'through the OTP generation information at the server, and receiving the N digits received at the server. And comparing (or verifying) OTP with the generated N-digit OTP ', thereby validating the validity of the N-digit OTP.

In the OTP generation method according to the invention, the OTP medium authentication information, characterized in that further comprises a user password or a user personal identification number, the server is the mobile phone through the user password or user personal identification number It characterized in that it further comprises the step of authenticating with the OTP medium.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described OTP generation method.

On the other hand, the OTP generating system according to the present invention, the terminal side provided in the OTP medium information including the unique mobile phone information registered as the OTP (One Time Password) medium and the USIM (or memory) of the mobile phone registered as the OTP medium A storage medium storing OTP generation information and server-side OTP generation information for generating OTP on a communication network, and OTP medium authentication information including mobile phone unique information is transmitted from a user's mobile phone, the OTP medium information stored in the storage medium; Media authentication means for comparing (or verifying) the OTP medium authentication information and authenticating the mobile phone with an OTP medium for generating (or outputting) an N (N> = 2) digit OTP, and authenticating the mobile phone with an OTP medium. OTP generation means for generating an OTP through server-side OTP generation information for the OTP medium stored in the storage medium and OTP transmission for transmitting the generated OTP to the mobile phone. Characterized in that formed by including a stage.

In the OTP generation system according to the present invention, when an N-digit OTP is received from a user terminal or the mobile phone, the OTP generation information is generated by checking server-side OTP generation information for the OTP medium from the storage medium. After OTP generation information is configured by combining OTP and terminal-side OTP generation information, an N-digit OTP 'is generated through the OTP generation information, and the received N-digit OTP is compared with the generated N-digit OTP'. (Or a verification operation) further comprises an OTP authentication means for authenticating the validity of the N-digit OTP.

On the other hand, the mobile phone according to the present invention, authentication to configure the OTP (One Time Password) medium authentication information including the unique mobile phone information stored in the USIM (or memory) to the server on the communication network to request authentication of the mobile phone as the OTP medium Combining a processing unit, a receiving unit for receiving an OTP generated through server-side OTP generation information according to the OTP medium authentication result from the server, and the terminal-side OTP generation information provided in the USIM (or memory) and the received OTP And an OTP generation unit for generating O (N> = 2) digits of OTP and an OTP output unit for outputting the N digits of OTP through the OT generation information. It features.

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 N-digit 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 authentication, the mobile phone 100 shows an implementation method having a function of generating the N (N> = 2) digits through the OTP agent, the general knowledge in the technical field to which the present invention belongs In the case of a person having the present invention, the N-digit OTP is generated in a wireless communication terminal (for example, a portable Internet terminal) connected to a wireless communication network of another wireless communication standard other than the mobile phone 100 by referring to and / or modifying the drawing 1. It will be possible to infer an implementation method having a function of the present invention, and the present invention includes all the implementation methods inferred above, and the technical features thereof are only shown in the implementation method shown in FIG. It shall be defined.

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 125, 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. Sound processing unit 115 corresponding to the microphone / speaker, Key input unit 120 corresponding to the keypad, Wireless communication unit 130 corresponding to the antenna and various RF modules, Memory unit 145 corresponding to the 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 ( 135) and a battery 125 for power supply.

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, from the memory unit 145 or a memory device (or chipset) to the execution memory in software A generic term for program routines or program data that is loaded and computed through the processor to perform a specific function (hence, to an OTP agent recorded on a recording medium of the mobile phone 100 for the function of generating the N-digit OTP). Corresponding program routine components are shown in the control section 105 for convenience. The program routine included in the controller 105 is basically 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.). , Not shown), and various functional configurations intended to be implemented in the mobile phone 100 by the control unit 105 are 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. By loading into the execution memory and arithmetic processing by the processor, 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 N-digit OTP is preferably initiated (or realized) through the key input in the operation mode corresponding 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 conjunction with the control unit 105, or the mobile phone ( Outputs a menu screen, a function processing screen, and a function processing result screen corresponding to one or more functions (or programs) included in 100, or one or more contents (eg, downloaded or provided) included in the mobile phone 100 (e.g., Character content, image content, multimedia content).

According to the exemplary embodiment of the present invention, the screen output unit 110 performs a function of screen output means for outputting a menu screen, a function processing screen, and a function processing result screen corresponding to a function of generating the N-digit OTP. It is preferable.

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. .

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 N-digit OTP.

The wireless communication unit 130 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 exemplary embodiment of the present invention, if the cellular phone 100 shown in FIG. 1 is a portable Internet terminal, the wireless communication unit 130 configures a wireless communication function for providing a portable Internet service by accessing an IEEE 802.16x based portable Internet. 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 130 It is clear that no.

The USIM reader unit 135 is a functional component unit for exchanging 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 135 via contact points such as reset signal RST, clock signal CLK, ground GND, programming power supply (VPP), input / output (I / O), etc. 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 135 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 135.

According to the present invention, the memory of the USIM 140 is preferably provided with an OTP applet containing various information and program codes necessary for generating the N-digit OTP in the mobile phone 100, the OTP applet is a mobile phone A storage unit (not shown) that stores a data set corresponding to information or data that is read and read or used by a processor included in the processor 100, and a USIM by an operation set provided by the processor unit and an instruction set provided by the COS. An instruction set of the COS as a program routine (for example, a Java Applet in the case of a Javacard) that is driven or executed in the operation and used by a processor included in the mobile phone 100. Corresponding to an application made up of an instruction call code that interacts with an executable code and execution code that is processed by the processor unit. A processor (not shown) is provided. In particular, the processor reads a command provided from a processor included in the mobile phone 100 through the input / output interface through an APDU, and stores the command in the storage unit based on the read command. At least one information or data is read or recorded, and the result or read information or data is provided to a processor provided in the mobile phone 100 through the input / output interface through an APDU.

According to an embodiment of the present invention, when the storage unit of the OTP applet receives an OTP generation value generated through preset server side OTP generation information from a server on a communication network, the storage unit of the OTP applet is combined with (or associated with) the OTP generation value and Preferably, the mobile phone 100 stores the terminal-side OTP generation information to be included in the OTP generation information for generating the N-digit OTP.

The terminal-side OTP generation information may be set according to an OTP generation algorithm (eg, an algorithm for generating a code value of a predetermined digit through one or more seed values) and an OTP generation method in an OTP agent provided in the mobile phone 100. It includes one or more fixed seed values (or part of the fixed seed values) to be included in the OTP generation information for generating the N-digit OTP, and a parameter (or part of the parameters) for determining the dynamic seed value. desirable.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the terminal-side OTP generation information includes a seed (or part of a fixed seed value) fixed to substitute for the time-synchronized OTP generation algorithm. Or a parameter (or a part of the parameter) for determining the dynamic seed value. The terminal-side OTP generation information may be generated by using the server-side OTP generation information generated by the server on the communication network. It is included (or linked) in the OTP generation information for generating an N-digit OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the terminal-side OTP generation information includes a seed (or a part of the fixed seed value) fixed to substitute for the challenge-response OTP generation algorithm. Or a parameter (or a part of the parameter) for determining the dynamic seed value, wherein the terminal-side OTP generation information is combined with an OTP generation value generated using server-side OTP generation information in a server on a communication network ( Or associated) to be included in OTP generation information for generating an N-digit OTP.

According to the embodiment of the present invention, the terminal-side 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).

When the mobile phone 100 is equipped with the function of generating the N-digit OTP through the OTP generation information, the processing unit of the OTP applet, the user password or the user personal identification number input through the mobile phone 100 After the user authentication through, the mobile phone 100 preferably comprises a program code for providing the terminal-side OTP generation information.

According to the embodiment of the present invention, the USIM 140 may be provided with the function of generating the N-digit OTP through the OTP generation information in the mobile phone 100, in which case the processing unit of the OTP applet After the user authentication through a user password or a user identification number input through the mobile phone 100, configure the OPT generation information through the terminal-side OPT generation information and OPT generation value, or through the OPT generation information Identifying / determining at least one fixed seed value and dynamic seed value for generating an N-digit OTP, and assigning the at least one fixed seed value and dynamic seed value to the set OTP algorithm to obtain the N-digit OTP. It is preferable to include the program code to generate.

According to an embodiment of the present invention, the storage unit of the OTP applet stores (or encrypts and stores) a user password or a user personal identification number for user authentication for generating the N-digit OTP in the mobile phone 100. In this case, if the user password or the user identification number is transmitted from the mobile phone 100, the processing unit of the OTP applet, according to a predetermined authentication procedure and the transferred user password or user personal identification number and the storage unit By comparing (or verifying) the user password or the user personal identification number stored in the user authentication process for generating the N-digit OTP in the mobile phone 100 through the user password or user personal identification number, Answering the user authentication result to the mobile phone 100 Preferable.

According to an embodiment of the present invention, the storage unit of the OTP applet, one or more 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 N-digit OTP Preferably, the mobile phone 100 stores unique information, and according to the intention of a person skilled in the art, the unique information of the mobile phone 100 may be stored in a fixed storage area of the USIM 140 memory in addition to the storage of the OTP applet. Chip information may be included.

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. It may include one or more IC chip serial numbers constituting an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), and the USIM 140, or the mobile phone 100 may generate the N-digit 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 agent is equipped with an OTP medium.

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 145 is a general term for a nonvolatile memory corresponding to a storage medium 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 the exemplary embodiment of the present invention, the memory unit 145 may store the terminal-side OTP generation information for generating the N-digit OTP in the mobile phone 100.

The terminal-side OTP generation information may be set according to an OTP generation algorithm (eg, an algorithm for generating a code value of a predetermined digit through one or more seed values) and an OTP generation method in an OTP agent provided in the mobile phone 100. It includes one or more fixed seed values (or part of the fixed seed values) to be included in the OTP generation information for generating the N-digit OTP, and a parameter (or part of the parameters) for determining the dynamic seed value. desirable.

According to the exemplary embodiment of the present invention, the memory unit 145 may store the user password or the user personal identification number for user authentication for generating the N-digit OTP in the mobile phone 100. .

According to an embodiment of the present invention, the memory unit 145 is one or more mobile phones 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 N-digit OTP (100) It is desirable to store the unique information.

Here, the unique information of the mobile phone 100 provided in the memory unit 145 may include a mobile identification number (MIN) and a serial number stored in a predetermined system area of the memory unit 145 provided in the mobile phone 100. Register to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the N-digit OTP, including one or more of an ESN, an subscriber identification number and an International Mobile Equipment Identity (IMEI). It is preferred to include a separate OTP medium identifier (eg, non-overlapping code values).

Referring to FIG. 1, the mobile phone 100 includes a user authentication unit 150 for processing user authentication for generating the N-digit OTP.

A dedicated key button for requesting to generate the N-digit OTP is input through a key input unit provided in the mobile phone 100, 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 a mobile communication network, the user authentication unit 150 inputs a user password or user personal identification number for user authentication through the screen output unit 110. Outputting an authentication interface, and when a user password or a user identification number is input through the user authentication interface, processing a user authentication for generating an OTP of digits through the input user password or user identification number; do.

When the user authentication function for generating the N-digit OTP is provided in the USIM 140 according to the exemplary embodiment of the present invention, the user authentication unit 150 uses the USIM reader unit 135 to provide the user authentication function. The user password or user identification number is transmitted to the USIM 140, and the user password or user identification number processed by the PIN authentication function included in the USIM 140 or the processing unit provided in the OTP applet. Receiving a user authentication result for, and reading the user authentication result is preferable to check whether the user validity for generating the N-digit OTP in the mobile phone 100 is authenticated.

According to another embodiment of the present invention, when the user authentication function for generating the N-digit OTP is provided in the memory unit 145, the user authentication unit 150 may have the user password or the user personal identification number. When input, decrypts the user password or user personal identification number encrypted and stored in the memory unit 145 according to a predetermined decryption procedure, the input user password or user personal identification number and the decrypted user password or user personal identification It is preferable to process the user authentication for generating the N-digit OTP in the mobile phone 100 by comparing the numbers (or verifying operation) through the user password or the user personal identification number.

Referring to FIG. 1, the mobile phone 100 includes an authentication processing unit 155 for authenticating that the mobile phone 100 is an OTP medium equipped with the OTP agent through the mobile communication network to generate the N-digit OTP. It is characterized by comprising.

When the user authentication for generating the N-digit OTP is valid in the mobile phone 100 by the user authentication unit 150, the authentication processing unit 155 is the USIM 140 / memory unit 145 Check the unique information provided in the mobile phone 100, and configure the OTP medium authentication information including the unique information of the mobile phone 100 to verify that the mobile phone 100 is an OTP medium equipped with the OTP agent. Characterized in that the transmission to the server.

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

According to another exemplary embodiment of the present invention, the OTP medium authentication information includes the user password or the personal identification number and the identified unique mobile phone 100 information, and the security set between the mobile phone 100 and the server. Preferably, the communication session is encrypted by a communication session, and the user password or user identification number and the unique information of the mobile phone 100 are concatenated (or combined) according to a preset method to form the OTP medium authentication information or the user. A code value generated by substituting a password or a user personal identification number and the unique information of the mobile phone 100 into a preset code generation algorithm may be determined as the OTP medium authentication information, and the user password or the user personal identification number and the mobile phone. (100) The present invention by the method of configuring the OTP medium authentication information through the unique information The name is not limited.

For example, the authentication processing unit 155 generates a media verifier by hashing one or more of the user password or the user personal identification number and the unique information of the mobile phone 100 with a one-way hash function and performing an XOR operation, and verifying the media. The OTP medium authentication information may be generated by concatenating a user, a user password or a user personal identification number, and unique information of the mobile phone 100.

Alternatively, the authentication processing unit 155 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 calculation 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 one or more OTP medium authentication information including the random number information, the mobile phone 100 unique information 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 150 and the mobile phone 100 unique information, It is possible to transfer the generated OTP medium authentication information to the authentication processing unit 155, 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 145, and the OTP medium authentication information is generated by the processing unit of the OTP applet, the authentication processing unit 155 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 150 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 155, 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 unique information of the mobile phone 100 is generated, the authentication processing unit 155 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 130 according to a secure communication session established with the server on the communication network. The server on the communication network transmits the OTP medium authentication information. Receives (decrypts when encrypted) and is unique to the mobile phone 100 registered to authenticate the mobile phone 100 included in the received OTP medium authentication information and the mobile phone 100 to the OTP medium equipped with the OTP agent By comparing (or verifying) the information, the mobile phone 100 may be authenticated with an OTP medium provided with the OTP agent.

If the OTP medium authentication information further comprises a user password or a user identification number, the user authentication function through the user password or user identification number is provided in the server on the communication network, or the user password or user identification number Is used as a validation condition for generating an OTP generation value through server-side OTP generation information in the server on the communication network, the server on the communication network is the user password or user identification number included in the OTP medium authentication information and the mobile phone. (100) Validate for processing the user authentication by comparing (or verifying operation) the registered user password or user personal identification number in association with the unique information, or to verify the validity to generate the OTP generation value through the server-side OTP generation information It is desirable to.

When the mobile phone 100 is authenticated by the server on the communication network as the OTP medium equipped with the OTP agent (or when the mobile phone 100 is authenticated by the provided OTP medium and user authentication is further processed), the communication network The server on the server checks server-side OTP generation information (ie, information including one or more fixed seed values and parameters for generating an OTP generation value) associated with the mobile phone 100 unique information, and the server-side OTP generation information. Confirm / determine one or more fixed seed values and dynamic seed values for generating the OTP generation value, and assign the one or more fixed seed values and dynamic seed values to a preset OTP generation algorithm by And generating the generated OTP value to the mobile phone 100 through the mobile communication network. To be transmitted is encrypted by a secure communications session provided between the server on the handset 100 and the communication network is preferred.

Referring to FIG. 1, the mobile phone 100 includes a receiver configured to receive an OTP generation value to be combined with the terminal-side OTP generation information to configure OTP generation information for generating the N-digit OTP through the mobile communication network ( 160, characterized in that consisting of.

OTP generation to be combined (or linked) with the terminal-side OTP generation information in a server on the communication network by authenticating the mobile phone 100 with an OTP medium equipped with an OTP agent generating the N-digit OTP in the server on the communication network. When the value is generated and transmitted, the receiver 160 receives the OTP generation value to be combined (or linked) with the terminal-side OTP generation information through the wireless communication unit 130. In case of encryption, the data is decrypted according to a predetermined decryption procedure.

Referring to FIG. 1, the mobile phone 100 confirms the terminal-side OTP generation information from the USIM 140 / memory unit 145 and combines the terminal-side OTP generation information and the received OTP generation value. (Or associated) an information constructing unit 165 constituting OTP generation information for generating N-digit OTPs, and one or more fixed seed values and dynamic seed values for generating the N-digit OTPs from the OTP generation information. It is characterized in that it comprises an OTP generating unit 170 for generating an N-digit OTP by confirming / determining, and substituting the identified or determined fixed seed value and dynamic seed value into a predetermined OTP generation algorithm.

When the user authentication is processed by the user authentication unit 150 or the OTP medium authentication is processed by the authentication processing unit 155 as valid, and an OTP generation value is received through the receiving unit 160. The information configuring unit 165 confirms the terminal-side OTP generation information from the USIM 140 / memory unit 145, and the checked terminal-side OTP generation information and the OTP received through the receiving unit 160. The OTP generation information for generating N-digit OTPs is configured by combining (or linking) the generated values.

Here, the OTP generation information is according to an OTP generation algorithm (eg, an algorithm for generating a code value of a predetermined digit through one or more seed values) and an OTP generation method in an OTP agent provided in the mobile phone 100. It is preferred to include one or more fixed seed values used to generate N digit OTPs, and parameters for determining dynamic seed values.

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 method OTP or to include a random number generating seed for receiving a random number through the mobile communication network.

When the OTP generation information is configured, the OTP generation unit 170 checks one or more fixed seed values included in the OTP generation information, and determines one or more dynamic seed values through parameters included in the OTP generation information. The N-digit OTP is generated by substituting the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm.

Referring to FIG. 1, the mobile phone 100 includes an OTP output unit 175 for outputting the generated N-digit OTP through the screen output unit 110. When a short range communication means (not shown) is provided at 100, the OTP output unit 175 transmits the generated N-digit OTP through the short range communication means to the mobile phone 100 and a terminal (or device) located at a short distance. It is possible to output

When the N-digit OTP is generated, the OTP output unit 175 outputs the N-digit OTP generated in combination with the screen output unit 110 to a predetermined area on the screen of the mobile phone 100. It is done.

According to the exemplary embodiment of the present invention, the OTP output unit 175 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 N digits of OTP.

According to another exemplary embodiment of the present invention, the OTP output unit 175 outputs (or allocates) an OTP output area to a screen area currently output on the screen of the mobile phone 100 in association with the screen output unit 110. Preferably, the generated N-digit OTP is output 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 175 is generated through the short-range communication means. It is possible to output the N-digit 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 generated OTP is provided on a communication network by the mobile phone 100 and transmitted to a server for authenticating the OTP, the OTP output unit 175 is the wireless communication unit 130. 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 stores the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, the terminal-side OTP generation information, and the server-side OTP generation information in a storage medium 270, and stores the mobile phone. Providing an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to 200 (but, if the mobile phone 200 is equipped with an OTP agent, it may be omitted), the mobile phone 200 is OTP. When used as a medium, when the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200 and the mobile phone 200 is authenticated as an OTP medium, the storage medium 270 OTP operation system for processing to generate the N-digit OTP in the mobile phone 200 by confirming the server-side OTP generation information corresponding to the mobile phone 200 to generate an OTP generation value to provide to the mobile phone 200 Po As illustrated in FIG. 2, a mobile phone 200 OTP system configuration, and those skilled in the art to which the present invention pertains, various implementations of the mobile phone 200 OTP system configuration by referring to and / or modifying FIG. 2. It would be possible to infer a method (eg, an implementation method in which some components are omitted, subdivided, or combined), but the present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 2, the OTP system of the mobile phone 200 includes an OTP authentication 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. The request server 215 and the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, the terminal-side OTP generation information and the server-side OTP generation information are stored in the storage medium 270, and the mobile phone is stored. Providing an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to 200 (but, if the mobile phone 200 is equipped with an OTP agent, it may be omitted), the mobile phone 200 is OTP. When used as a medium, when the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200 and the mobile phone 200 is authenticated as an OTP medium, the storage medium 270 Server side OTP corresponding to the mobile phone 200 It is characterized in that it comprises an OTP operating system for processing to generate the N-digit OTP in the mobile phone 200 by generating the OTP generation value after confirming the generation information to the mobile phone 200, It further comprises a user terminal 205 used by the user having the mobile phone 200 according to the intention, and the OTP server 220 for authenticating the N-digit OTP generated by the mobile phone 200.

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 combination of two or more means constituting the OTP operating system) ) Is implemented in the form of a server system that is implemented in the form of each server, or some of the means for configuring the OTP operating system is implemented in the form of a server and the other part is 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 the OTP medium authentication information requesting to authenticate the mobile phone 200 to the OTP medium, and transmits to the OTP operating system, the OTP operating system in the OTP operating system to the OTP medium When authenticating, the OTP generation value received through the server-side OTP generation information is received from the OTP operating system, and the mobile phone 200 is provided. Combining (or linking) the terminal-side OTP generation information with the received OTP generation value to configure OTP generation information for generating N-digit OTPs, and generating and outputting N-digit OTPs through the OTP generation information. Characterized in that.

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 an OTP medium information including unique information and 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. Receives and generates the terminal-side OTP generation information to be included in the OTP generation information for generating an N-digit OTP in the mobile phone 200 and the server-side OTP generation information for generating the OTP generation value on the OTP operating system (or The OTP medium registration means 225 for storing the OTP medium information, the terminal-side OTP generation information, and the server-side OTP generation information in association with the storage medium 270, and the mobile phone 200 stores the OTP medium. When registered as, characterized in that it comprises a mobile phone processing means 230 for providing the terminal-side OTP generation information to the mobile phone 200 and stored in the USIM / memory unit provided in the mobile phone 200 If the mobile phone 200 is not provided with the OTP agent having the configuration shown in Figure 1, the mobile phone processing means 230 is the mobile phone 200 in the configuration shown in FIG. A corresponding OTP agent program code is provided.

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 (or confirm) OTP medium information including mobile phone 200 unique information and customer information corresponding to the mobile phone 200 through a communication network. When transmitting, 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 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 may be used to authenticate the user validity having the 200 or as a validation condition for generating an OTP generation value through the server-side OTP generation information.

The customer information may include a social security number corresponding to the name of the mobile phone 200 to be used as the OTP medium (or user), name, address, contact information of the person (or user) according to the intention of the skilled person It is preferable to further include personal information such as.

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 (the mobile phone) through the communication company server 210. It is desirable to authenticate that the use of 200) as an OTP medium is valid.

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 generates an N-digit OTP in the mobile phone 200. Generate (or assign) terminal-side OTP generation information to be included in the OTP generation information, and generate (or assign) server-side OTP generation information for generating an OTP generation value on the OTP operating system.

Here, the terminal-side OTP generation information is provided to the mobile phone 200 is stored (or encrypted storage) in the USIM / memory unit provided in the mobile phone 200, the OTP agent provided in the mobile phone 200 It is preferable to include a parameter for determining at least one fixed seed value and the dynamic seed value included in the OTP generation information for generating an N-digit OTP.

The server-side OTP generation information is maintained on the OTP operating system and for determining one or more fixed seed values and dynamic seed values for generating an OTP generation value to be provided to the mobile phone 200 in the OTP operating system. It is preferable to include a parameter.

When the OTP medium information is received from the OTP registration terminal, and the terminal-side OTP generation information and the server-side OTP generation information are generated (or assigned), the OTP medium registration means 225, the OTP medium information and the terminal. The OTP generation information on the side and the OTP generation information on the server side are stored in the storage medium 270 in association.

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 a communication channel and provide the terminal-side OTP generation information to the mobile phone 200 through the communication channel and store the generated OIM information in the USIM / memory unit provided in the mobile phone 200.

If the mobile phone 200 is not equipped with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1, the mobile phone processing means 230 is shown in FIG. 1 as the mobile phone 200. Providing an OTP agent program code corresponding to the configured configuration is preferably recorded on the recording medium provided in the mobile phone 200, the OTP agent program code and the terminal-side OTP generation information is a separate channel through the mobile phone 200 Alternatively, package data including the OTP agent program code and terminal-side OTP generation information may be provided to the mobile phone 200, and the present invention is not limited thereto.

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 authenticating the mobile phone 200 as an OTP medium by comparing (or verifying) the OTP medium authentication information with the OTP medium information stored in the storage medium 270. 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 270 (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 It is good.

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. At 200, the mobile station 200 checks (or extracts) the unique information of the mobile phone 200 from the USIM / memory unit, and configures the OTP medium authentication information including the unique information of the mobile phone 200 to transmit the information through the mobile communication network. The means 235 is characterized in that receiving the OTP medium authentication information including the unique information of the mobile phone 200 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 generating 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 through the OTP generation command (or OTP agent driving command) in the mobile phone 200. Run the OTP agent, check (or extract) the unique information of the mobile phone 200 from the USIM / memory unit in the mobile phone 200, configure the OTP medium authentication information including the unique information of the mobile phone 200 to move When transmitting through a communication network, the information receiving means 235 receives the OTP medium authentication information including the unique information of the mobile phone 200 through the mobile communication network. .

According to the embodiment of the present invention, the OTP medium authentication information preferably further comprises a user password or a user personal identification number, whereby the present invention is not limited.

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.

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 270. 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 270 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 authenticated by the valid mobile phone 200 registered as the OTP medium by the OTP medium registration means 225.

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 270 is compared (or verified operation), and the comparison (or verification operation) result of 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 270 are matched (or matched), or a predetermined result is obtained through a verification operation, the mobile phone 200 may be carried. The user authenticates as a normal valid user of the mobile phone 200 registered with the OTP medium, Group through the server-side OTP generation information characterized in that the process to be validated for creating OTP values generated check.

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 270. Information confirmation means 265 for identifying server-side OTP generation information associated with the server; and identifying / determining at least one fixed seed value and a dynamic seed value for generating the OTP generation value through the server-side OTP generation information; OTP generation means 260 for generating an OTP generation value by substituting the at least one fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm, and the generated OTP generation value through the mobile communication network. Characterized in that it comprises an OTP transmission means 250 for transmitting to 200.

When the mobile phone 200 which has transmitted the OTP medium authentication information is authenticated as a valid OTP medium and the validity for generating the OTP generation value through the validity of the mobile phone 200 user or the server-side OTP generation information is further authenticated. (Optional), the information checking means 265 checks the server-side OTP generation information connected to the unique information of the mobile phone 200 corresponding to the OTP medium authentication information from the storage medium 270, or the user password. Or, the server-side OTP generation information associated with the personal identification number may be checked.

When the server-side OTP generation information is confirmed, the OTP generation means 260 confirms one or more fixed seed values for generating the OTP generation value through the identified server-side OTP generation information, and the server side Determining at least one dynamic seed value through a parameter included in the OTP generation information, and generating the OTP generation value by substituting the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm. .

According to an embodiment of the present invention, the OTP generation value is an OTP generated through the server-side OTP generation information, which is provided to the mobile phone 200 and used as a second seed value for generating an N-digit OTP. It is characterized by.

When the OTP generation value is generated through the server-side OTP generation information, the OTP transmission unit 250 generates the OTP generation value to the mobile phone 200 through a communication channel connected to the mobile phone 200 through the mobile communication network. It characterized in that for transmitting.

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 is connected to the mobile phone 200 unique information generating the OTP. Check the OTP generation information on the side, generate the OTP generation value by checking the server side OTP generation information (or confirm the OTP generation value provided to the mobile phone 200), and combine the terminal-side OTP generation information and the OTP generation value. Configure OTP generation information for generating N-digit OTP ', generate N-digit OTP' through the OTP generation information, and compare (or verify operation) the N-digit OTP ' And an OTP authentication means 255 for authenticating whether the received OTP is valid, and the function of authenticating the OTP in the OTP authentication means 255 may be implemented in a separate OTP server 220. The present invention Bayida put out to clarify the yirueojim including all embodiments possible way inference group.

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 terminal-side OTP generation information connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 270.

In addition, the OTP authentication means 255 or OTP server 220, after confirming the server-side OTP generation information connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 270, the server-side OTP The OTP generation value is generated through the generation information. If the OTP generation value provided to the mobile phone 200 can be confirmed by the OTP operating system, the OTP authentication means 255 is an OTP provided to the mobile phone 200. Check the generated value.

When the terminal-side OTP generation information and the OTP generation value are confirmed, the OTP authentication means 255 or the OTP server 220 generates the N-digit OTP 'including the terminal-side OTP generation information and the OTP generation value. Configure one or more fixed seed values for generating the N-digit OTP 'from the OTP generation information, and determine one or more dynamic seed values through parameters included in the OTP generation information. The N-digit OTP 'is generated by substituting the at least one fixed seed value and the dynamic seed value into a predetermined 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 authenticate the OTP. To 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 this drawing. 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 correspondingly, the OTP registration terminal uses the OTP medium registration interface. The mobile terminal 200 inputs and configures OTP medium information including unique information and customer information, and transmits the information to the server (310).

The server receives OTP medium information including the mobile phone 200 unique information and customer information from the OTP registration terminal, the communication company corresponding to the mobile phone 200 unique information and customer information unique to the mobile phone 200 Provided to the server 210 to determine 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 the OTP medium is confirmed (320), the server generates the terminal-side OTP to be included in the OTP generation information for generating N-digit OTP in the mobile phone 200 in the OTP medium Generating (or allocating) information, generating (or allocating) server-side OTP generation information for generating an OTP generation value on the OTP operating system (330), and generating the OTP medium information and terminal-side OTP generation information and server-side. The OTP generation information is linked and stored in the storage medium 270 (335).

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. A corresponding OTP agent program code and terminal-side OTP generation information to be included in OTP generation information for generating an N-digit OTP by the OTP agent (350) and the mobile phone 200 The OTP agent is recorded on a recording medium (for example, a program area of the USIM / memory unit) provided in the mobile phone 200, and the terminal-side OTP generation information is connected to the OTP agent to provide a USIM / Stored in the memory unit (360).

On the other hand, if the mobile phone 200 is equipped with an OTP agent (345), the server provides the terminal 200 OTP generation information to be included in the OTP generation information for generating the N-digit OTP by the OTP agent to the mobile phone 200 In operation 355, the mobile phone 200 connects the terminal-side OTP generation information 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 at 200 (360).

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 A process of generating N (N> = 2) digits in association with one another, and a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 4 to generate the OTP. Various implementation methods (e.g., some steps may be omitted, or the order may be changed) may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. The technical features are not limited only by the method.

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 input 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, it is shown in FIG. By driving the OTP agent corresponding to the configuration of the mobile phone 200 is requested to authenticate the user for using the mobile phone 200 as an OTP medium (400), and processes the user authentication through a user password or a user identification number ( 405).

If the user authentication is not validly processed (410), the mobile phone 200 outputs user authentication error information (420), and terminates the OTP generation process.

On the other hand, if the user authentication is effectively processed (410), the mobile phone 200 constitutes OTP medium authentication information including the unique information of the mobile phone 200 corresponding to the mobile phone 200 (415), and the server After connecting the communication channel, and transmits the OTP medium authentication information to the server through the communication channel (420).

The server receives the OTP medium authentication information through the communication channel, and authenticates the mobile phone 200 as an OTP medium by reading unique information of the mobile phone 200 included in the received OTP medium authentication information (430). .

According to the method 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 270, and included in the OTP medium authentication information The configuration information included in the OTP medium authentication information and the OTP medium stored in the storage medium 270 as a result of the comparison (or verification operation). 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.

If the mobile phone 200 is not authenticated as a valid OTP medium (435), the server transmits OTP medium error information to the mobile phone 200 (440), and terminates the OTP generation process.

On the other hand, if the mobile phone 200 is authenticated as a valid OTP medium (435), the server checks the server-side OTP generation information associated with the OTP medium information including the unique information of the mobile phone 200 from the storage medium 270 and (445), the server-side OTP generation information is used to identify / determine at least one fixed seed value and a dynamic seed value for generating the OTP generation value, and to determine the at least one fixed seed value and the dynamic seed value. The OTP generation value is generated by substituting the set OTP generation algorithm (450).

If the OTP generation value is generated through the server-side OTP generation information (455), the server transmits the generated OTP generation value to the mobile phone 200 through a communication channel (460), and correspondingly the mobile phone. (200) combines (or associates) the terminal-side OTP generation information stored in the USIM / memory unit with the received OTP generation value through the process shown in FIG. 3 to obtain OTP generation information for generating an N-digit OTP. Configure (465), identify / determine one or more fixed seed values and dynamic seed values through the OTP generation information, and substitute the identified / determined one or more fixed seed values and dynamic seed values into a preset OTP generation algorithm. Generates and outputs the OTP of the digit (470).

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

In more detail, FIG. 5 shows N (N> = 2) generated by the mobile phone 200 shown in FIG. 1 through the process shown in FIG. 4 through a communication network in the OTP operating system shown in FIG. Receiving an OTP of digits, generating an N-digit OTP 'matching with the OTP, and comparing (or verifying) the received N-digit OTP's and authenticating OTP validity, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to implement various implementation methods (e.g., some steps may be omitted or the order may be changed) for the OTP authentication process. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

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

Referring to FIG. 5, after the N-digit OTP is generated / output by the mobile phone 200 illustrated in FIG. 1 through the process illustrated in FIG. 4, the server may be configured as a user terminal illustrated in FIG. Receiving the N-digit OTP input through the OTP input interface output to the 205, or receives the generated N-digit OTP from the mobile phone 200 shown in Figure 1 (500), the storage medium ( In step 505, the terminal-side OTP generation information and the server-side OTP generation information corresponding to the OTP medium that generated the N-digit OTP are confirmed (505).

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 generates the OTP generation value through the server-side OTP generation information, or if the OTP generation value provided by the OTP operating system to the mobile phone 200 can be confirmed, the server is provided to the mobile phone 200. Confirm the OTP generation value (510), configure OTP generation information for generating N-digit OTP 'including the terminal-side OTP generation information and the OTP generation value (515), and generate the N-digit number from the OTP generation information. Identify one or more fixed seed values for generating an OTP 'of, determine one or more dynamic seed values through the parameters included in the OTP generation information, and determine one or more fixed seed values and dynamic seed values. The N-digit OTP 'is generated by substituting the set OTP generating algorithm (520).

If the N-digit OTP 'is generated (525), the server compares (or verifies) the received N-digit OTP' to verify the OTP validity (530).

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 (535), the server receives a predetermined OTP authentication result receiving means (for example, OTP authentication request server 215, user terminal 205) One or more of the mobile phones 200).

On the other hand, if the OTP validity is confirmed (535), 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 &lt; RTI ID = 0.0 &gt; 200). &Lt; / RTI &gt;

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, Whenever OTP is used as an OTP medium, OTP medium authentication information including at least one of the information sets stored in the USIM / memory is transmitted to a server on a communication network so that the mobile phone can be authenticated as a valid OTP medium. Whenever it is generated, there is an advantage of continuously verifying and maintaining the reliability of the OTP generated through the mobile phone by authenticating whether the mobile phone is a valid OTP medium.

According to the present invention, when the mobile phone is authenticated as a valid OTP medium, the server on the communication network generates an OTP through server-side OTP generation information and provides the OTP to the mobile phone. Combining the OTP generation information by generating a combination of the O-digit generated OTP through the OTP generation information by outputting, by the mobile phone registered as a valid OTP medium, the N-digit OTP is generated and output only, and the mobile phone Regardless of being used as various non-face-to-face trading media, there is an advantage of always satisfying two-factor authentication conditions.

Claims (7)

To generate OTP on the communication network and the terminal-side OTP generation information provided in the USIM (or memory) of the mobile phone registered as the OTP medium and mobile phone information registered as OTP (One Time Password) medium in the server Storing and maintaining server-side OTP generation information in a storage medium; Constructing, by the cellular phone, OTP medium authentication information including cellular phone unique information stored in a USIM (or memory) and transmitting the same to a server on a communication network; The server compares (or verifies) the OTP medium information stored in the storage medium with the OTP medium authentication information to authenticate the mobile phone with an OTP medium that generates (or outputs) an N (N> = 2) digit OTP. step; When the mobile phone is authenticated with an OTP medium, generating, by the server, an OTP through server-side OTP generation information on the OTP medium stored in the storage medium and transmitting the OTP to the mobile phone; Constructing OTP generation information by combining the received OTP with the terminal-side OTP generation information included in a USIM (or memory) in the mobile phone; And And generating an N-digit OTP through the OTP generation information in the mobile phone. The method of claim 1, When the user terminal or the mobile phone transmits the N-digit OTP, the server checks the server-side OTP generation information for the OTP medium from the storage medium and generates the OTP, and the generated OTP and the terminal-side OTP generation information. Combining the OTP generation information; Generating an N-digit OTP 'through the OTP generation information at the server; And Generating a OTP by comparing the received N-digit OTP with the generated N-digit OTP 'and verifying the validity of the N-digit OTP. Way. The method of claim 1, The OTP medium authentication information, Characterized in that it further comprises a user password or user personal identification number, The server further comprises the step of authenticating the mobile phone to the OTP medium through the user password or user 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 OTP (One Time Password) medium and server-side OTP generation information included in USIM (or memory) of the mobile phone registered as OTP medium and server for generating OTP on communication network A storage medium storing side OTP generation information; When the user's mobile phone transmits OTP medium authentication information including mobile phone unique information, the mobile phone is N (N> = 2) by comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information. Medium authentication means for authenticating with an OTP medium for generating (or outputting) a digit OTP; OTP generation means for generating an OTP through server-side OTP generation information for the OTP medium stored in the storage medium when the mobile phone is authenticated with the OTP medium; And OTP transmission system characterized in that it comprises a; OTP transmission means for transmitting the generated OTP to the mobile phone. The method of claim 5, When the N-digit OTP is received from the user terminal or the mobile phone, the server-side OTP generation information of the OTP medium is checked from the storage medium to generate the OTP, and the OTP and the terminal-side OTP generation information are combined. After the OTP generation information is configured, an 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 the N-digit number. OTP generating system characterized in that it further comprises an OTP authentication means for authenticating the validity of the OTP. An authentication processing unit for constructing an OTP (One Time Password) medium authentication information including unique mobile phone information stored in a USIM (or memory) and transmitting it to a server on a communication network to request authentication of the mobile phone as an OTP medium; A receiving unit for receiving an OTP generated through server-side OTP generation information according to the OTP medium authentication result from the server; An information constructing unit configured to combine the terminal-side OTP generation information included in the USIM (or memory) and the received OTP to form OTP generation information; An OTP generation unit for generating an O (N> = 2) digit OTP through the OT generation information; And And an OTP output unit for outputting the N-digit OTP.

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