KR20100136070A - System and method for providing code combination otp by index exchange, mobile phone and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for providing a code combination OTP(One Time Password) by index exchange, a mobile phone and a recording medium are provided to authenticate a mobile phone as a valid OTP medium by transmitting OTP medium authentication information to a server of a communication network whenever the mobile phone is used as an OTP medium. CONSTITUTION: A user mobile phone transmits the OTP medium authentication information including mobile phone intrinsic information and an index value dynamically determined, a medium authentication unit(240) compares the OTP medium information stored at a storage medium(265) with the OTP medium authentication information. The medium authentication unit authenticates the mobile phone as an OTP medium which generates an OTP. An information confirmation unit(260) confirms an OTP(N-n) generation information matched with the index value from at least one kind of OTP(N-n) information for the OTP medium. An information transmission unit(250) transmits the confirmed OTP(N-n) generation information to the mobile phone.

Description

System and Method for Providing Code Combination OTP by Index Exchange, 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

140: USIM reader unit 145: memory unit

150: user authentication unit 155: index processing unit

160: authentication processing unit 165: receiving unit

170: OTP generating unit 175: OTP combining unit

180: 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. OTP (Nn) generation for authenticating and generating O (Nn) digits of (Nn) digits among N (N> = 2) digits of the OTP corresponding to the index value dynamically determined by the mobile phone according to the OTP medium authentication result. When the information is provided to the mobile phone, the mobile phone has n-digit number of the N-digit OTP through OTP (n) generation information corresponding to the index value. OTP (n) is generated, OTP (Nn) having (Nn) digits is generated through the OTP (Nn) generation information, and NTP Ot is generated by combining OTP (n) and OTP (Nn). It is to provide a method and system for outputting.

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

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

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

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

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

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

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

An object of the present invention for solving the above problems is to provide at least one information set for authenticating the mobile phone to the OTP medium through a communication network in a universal subscriber identity module (USIM) or a memory area of a user mobile phone used as the OTP medium. Whenever 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 is that, when the mobile phone is authenticated as a valid OTP medium, (Nn) digits of the N (N> = 2) digits of the OTP corresponding to the index value dynamically determined by the mobile phone at the server on the communication network. When the OTP (Nn) generation information for generating OTP (Nn) is provided to the mobile phone, the OTP (n) of n digits of the N-digit OTP is generated through the OTP (n) generation information corresponding to the index value in the mobile phone. By generating the OTP (Nn) digit OTP (Nn) through the OTP (N-n) generation information by combining the OTP (n) and OTP (Nn) to generate an N-digit OTP to output The N-digit OTP is generated and output only by a mobile phone registered as a valid OTP medium, and the mobile phone always satisfies the two-factor authentication condition regardless of the non-face-to-face transaction medium. will be.

According to the present invention, a method of providing a code combination type OTP through index exchange includes storing OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium in a server, and storing N (N> = 2) an index value unique to one or more OTP (n) generation information generating n-digit OTP (n) among digit OTP and one or more OTP (Nn) generation information generating (Nn) digit OTP (Nn) Storing, maintaining, storing, and storing in a storage medium, transmitting OTP medium authentication information including mobile phone unique information stored in a USIM (or memory), and a dynamically determined index value to a server on a communication network; Authenticating the mobile phone with an OTP medium for generating (or outputting) an N-digit OTP by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information in the server; When the phone is authenticated with an OTP medium, checking, by the server, OTP (Nn) generation information matching the index value among one or more OTP (Nn) generation information for the OTP medium from the storage medium and transmitting the generated information to the mobile phone; And generating OTP (n) by checking OTP (n) generation information from USIM (or memory) in the mobile phone, and generating OTP (Nn) through the OTP (Nn) generation information, and in the mobile phone. And combining OTP (n) and OTP (Nn) to generate an N-digit OTP.

In the method for providing a code combination type OTP through the index exchange according to the present invention, if the user terminal or the mobile phone transmits the N-digit OTP, a server generates an OTP (n) matching the index value from the storage medium. Generating OTP (n) and OTP (Nn) by checking information and OTP (Nn) generation information, and generating the N-digit OTP 'by combining the OTP (n) and OTP (Nn) at the server. And comparing (or verifying) the received N-digit OTP with the generated N-digit OTP 'and authenticating the validity of the N-digit OTP.

In the method of providing a code combination method OTP through the index exchange according to the present invention, the OTP medium authentication information, characterized in that further comprises a user password or a user identification number, the server is the user password or user The method further comprises authenticating the mobile phone with an OTP medium through a personal identification number.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described code combination method OTP providing method through the index exchange.

On the other hand, the system for providing a code combination method OTP through the index exchange according to the present invention, stores the OTP medium information including the mobile phone information registered as OTP (One Time Password) medium, N (N> = 2) digits Unique index values are assigned to one or more OTP (n) generation information for generating n-digit OTP (n) and one or more OTP (Nn) generation information for (Nn) -digit OTP (Nn). When the storage medium to be stored and the user's mobile phone transmit the OTP medium authentication information including the unique mobile phone information and the index value determined dynamically, the OTP medium information stored in the storage medium is compared with the OTP medium authentication information (or verification operation). Media authentication means for authenticating the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP; and when authenticating the mobile phone with an OTP medium, one or more OTPs for the OTP medium from the storage medium. (Nn) generating information comprising information checking means for confirming the OTP (Nn) generation information matching the index value and information transmission means for transmitting the identified OTP (Nn) generation information to the mobile phone, characterized in that the do.

In a system for providing a code combination type OTP through index exchange according to the present invention, when N-digit OTP is received from a user terminal or the mobile phone, OTP (n) generation information and OTP matching the index value are stored from the storage medium. (Nn) generating information and generating and combining OTP (n) and OTP (Nn) to generate N-digit OTP ', and comparing the received N-digit OTP and the generated N-digit OTP' ( Or OTP authentication means for authenticating the validity of the N-digit OTP by performing a verification operation).

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 A processing unit, an index processing unit that dynamically determines any one of a plurality of indexes and transmits the index value to the server, and OTP (Nn) generation information that matches the index value according to the OTP medium authentication result from the server. Checks the OTP (n) generation information matching the index value among the OTP (n) generation information stored in the USIM (or memory) and generates the OTP (n), and generates the OTP (Nn). OTP generation unit for generating OTP (Nn) through the information, OTP combination unit for generating an N-digit OTP by combining the OTP (n) and OTP (Nn) and OTP output unit for outputting the N-digit OTP Characterized in that formed by having.

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 that provides data communication by accessing a mobile communication network. The mobile phone 100 is an OTP medium provided by an OTP agent for generating a one time password (OTP) by the mobile phone 100 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, which is commonly known in the art. In the case of a person having an equation, the N-digit OTP is transmitted from a wireless communication terminal (for example, a portable Internet terminal) connected to a wireless communication network of other wireless communication standard other than the mobile phone 100 by referring to and / or modifying the present invention. It will be possible to infer an implementation method having a function of generating, and the present invention comprises all the implementation methods inferred, the technical features of the embodiment only shown in FIG. It is not limited.

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 the transmission path, frequency down-conversion circuit in the receive path, and VCTCXO (Voltage corresponding to the reference clock source) Controlled Temperature Compensated X-tal Oscillator), 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, characterized in that the internal components Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services or various additional services are integrated together.

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 135) corresponding to an integrated circuit (IC) chip that stores universal subscriber identification information, and a USIM reader unit for reading / writing information (or data) to the USIM 135 ( 140) 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 are loaded and computed through the processor to perform unique functions (hence, an OTP agent recorded on a recording medium of the mobile phone 100 for the function of generating the N-digit OTP). The program routine configuration corresponding to the above is 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. 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 being arithmetic processing, the mobile phone 100 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state" and the like, thereby enabling mobile communication based wireless access and call processing (Call). Processing 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 connection with the control unit 105 or the mobile phone 100. Outputs a menu screen, a function processing screen, and a function processing result screen corresponding to one or more functions (or programs) included in the), or one or more contents (eg, texts) included in (or downloaded from) the mobile phone 100. Content, image content, multimedia content).

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

According to the exemplary 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 140 is a function component unit for exchanging one or more information (or data or command) with the USIM 135 mounted on or detached from 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 data) with the USIM 135 through an application protocol data unit (APDU). , Or command).

The USIM 135 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 135 is a power supply (VCC), Communicating with the USIM reader 140 via a contact point such as a 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 140 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 135 and communicate with the USIM 135 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 140.

According to the present invention, the memory of the USIM 135 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 operation of the COS as a program routine (for example, a Java applet in the case of Javacard) used by a processor included in the mobile phone 100 to operate by being executed or executed within the 135. Corresponding to an application made up of instruction call code that interacts with the set and executable code that is processed by the processor 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, the storage unit of the OTP applet, m (m) for generating the OTP (n) of n (1 <= n <N) digits of the N-digit OTP in the mobile phone 100 It is preferable to store = 1) OTP (n) generation information in association with m index values, respectively.

The OTP (n) generation information may correspond 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 scheme in an OTP agent provided in the mobile phone 100. Accordingly, it is preferable to include one or more fixed seed values used to generate n digit OTP (n), and a parameter for determining the dynamic seed value.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP (n) generation information includes a seed fixed to be assigned to the time-synchronized OTP generation algorithm, and the OTP (n) The parameter of the generation information preferably includes synchronization time setting information for determining a synchronization time corresponding to the dynamic seed value of the time-synchronization type OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP (n) generation information includes a seed fixed to be assigned to a challenge-response OTP generation algorithm, and the OTP (n) generation information. The parameter of may preferably comprise a random number generation value for generating a random number corresponding to the dynamic seed value of the challenge-response type OTP, or for receiving a random number through the mobile communication network.

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

The index value is set so that the OTP (n) generated information stored in the storage of the OTP applet and the M (M> = m) OTP (n) generated information provided in the server on the communication network are not duplicated for one-to-one matching. (n) A value uniquely assigned to each generation information, in which the OTP (n) generation information stored in the storage unit of the OTP applet in association with the same index value and the OTP (n) generation information provided in the server on the communication network are the same fixed. It is preferred to include a seed value and a parameter for determining the dynamic seed value.

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

When the mobile phone 100 is provided with a function of generating the n-digit OTP (n) through the OTP (n) generation information, the processing unit of the OTP applet is a user password input through the mobile phone 100. Or after the user authentication through a user identification number, preferably comprises a program code for providing the OTP (n) generation information to the mobile phone (100).

According to an embodiment of the present invention, the USIM 135 may be provided with a function of generating the n-digit OTP (n) through the OTP (n) generation information, in which case the processing unit of the OTP applet At least one fixed seed value for generating the n-digit OTP (n) through OPT generation information stored in the storage unit after user authentication through a user password or a user personal identification number input through the mobile phone 100. And program code for identifying / determining the dynamic seed value, and generating the n-digit OTP (n) by substituting the identified / determined one or more fixed seed values and dynamic seed values into the set OTP algorithm. desirable.

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 135 memory in addition to the storage of the OTP applet. Chip information may be included.

Here, the unique information of the mobile phone 100 provided in the USIM 135 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, and a fixed storage area of the USIM 135 memory. It may include at least one IC chip serial number constituting an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), a USIM 135, or the mobile phone 100 may generate the N-digit OTP. It is preferred to include a separate OTP medium identifier (eg, a non-overlapping code value) or USIM 135 identifier registered to authenticate that the OTP agent is equipped with the OTP medium.

According to an embodiment of the present invention, the memory of the USIM 135 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 has a function of one master file (MF) corresponding to a root file and one or more stored information under the master file. Answer To Reset (ATR) containing information, one or more dedicated files (DFs) corresponding to each ICC stored information, and substantive information or data disposed under the dedicated files and for smart card services. Includes a file structure consisting of the included 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 stores m (m> = 1) OTP (n) generation information for generating the N-digit OTP in the mobile phone 100 and m index values. It is preferable to store the data in association with each other.

The OTP (n) generation information may correspond 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 scheme in an OTP agent provided in the mobile phone 100. Accordingly, it is preferable to include one or more fixed seed values used to generate an n-digit OTP (n), and a parameter for determining a dynamic seed value. Is preferably stored in.

The index value is set so that the OTP (n) generated information stored in the memory unit 145 and the M (M> = m) OTP (n) generated information provided in the server on the communication network do not overlap to match one-to-one. (n) A value uniquely assigned to each generation information, in which the OTP (n) generation information stored in the memory unit 145 and the OTP (n) generation information included in the server on the communication network are associated with the same index value. It is preferred to include a seed value and a parameter for determining the dynamic seed value.

According to another exemplary embodiment of the present invention, when one piece of OTP (n) generation information is stored in the memory unit 145, the index value may be omitted, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the memory unit 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 the 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. Outputs a user authentication interface, and if a user password or a personal 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 personal identification number; It is done.

When the user authentication function for generating the N-digit OTP is provided in the USIM 135 according to an embodiment of the present invention, the user authentication unit 150 inputs the input through the USIM reader unit 140. The user password or the user personal identification number to the USIM 135, the PIN authentication function provided in the USIM 135 or the user password or user personal identification number processed by the processing unit provided in the OTP applet Receiving a user authentication result for the user, it is preferable to read the user authentication result to confirm 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, decrypt the user password or user identification number encrypted and stored in the memory unit 145 according to a predetermined decryption procedure, and the input user password or user personal identification number and the decrypted user password or user personal It is preferable to process the user authentication for generating the N-digit OTP in the mobile phone 100 by comparing the identification number (or verification operation) through the user password or the user personal identification number.

Referring to FIG. 1, the mobile phone 100 may store information on any one OTP (n) generation information to be used to generate an OTP among m pieces of OTP (n) generation information stored in the USIM 135 / memory unit 145. And an index processor 155 for determining a corresponding index value and processing the index value to be transmitted to a server on a communication network that transmits OTP (Nn) generation information to the mobile phone 100.

According to the exemplary embodiment of the present invention, the index processing unit 155 may determine any index value among index values associated with m OTP (n) generation information stored in the USIM 135 / memory unit 145, or Or determining an index value according to a preset order, or arbitrarily determining one of the remaining index values except for the previously determined index value, or determining one of the m index values according to a preset index policy. desirable.

When an index value of any one of the index values associated with m OTP (n) generation information stored in the USIM 135 / memory unit 145 is determined, the index processing unit 155 determines that the determined index value is an OTP medium. It is included in the authentication information and processed to be transmitted to a server on a communication network that transmits OTP (Nn) generation information to the mobile phone 100, or after the mobile phone 100 is authenticated as an OTP medium, a communication channel with a server on the communication network is established. And the determined index value is transmitted to the server on the communication network through the communication channel.

According to another exemplary embodiment of the present invention, when the index value is not included in the USIM 135 / memory unit 145 and one OTP (n) generation information is stored, the index processing unit 155 determines the index value. Alternatively, processing to transmit the index value to the server may be omitted, and the present invention is not limited thereto.

Referring to FIG. 1, the mobile phone 100 includes an authentication processing unit 160 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.

If the user authentication for generating the N-digit OTP in the mobile phone 100 is processed by the user authentication unit 150, the authentication processing unit 160 is the USIM 135 / 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, thereby verifying that the mobile phone 100 is an OTP medium provided with the OTP agent. Characterized in that the transmission to the server.

According to the exemplary embodiment of the present invention, the index processing unit 155 may be configured even if the index value is not stored in the USIM 135 or the memory unit 145 or the index value is stored in the USIM 135 or the memory unit 145. In the case where the index value is directly transmitted to the server, the OTP medium authentication information preferably comprises the identified mobile phone 100 unique information, and the user password or user personal identification number according to the intention of a person skilled in the art. It is preferable that it further comprises.

According to another embodiment of the present invention, when the index value is stored in the USIM 135 / memory unit 145 and the index is transmitted with qt included in the OTP medium authentication information, the OTP medium authentication information is Preferably, the identified mobile phone 100 includes unique information and an index value, and preferably, the user password or user personal identification number is further included according to the intention of a person skilled in the art.

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

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

For example, the authentication processor 160 generates a media verifier by hashing one or more of the index value and the unique information of the mobile phone 100 with a one-way hash function and performing an XOR operation. The OTP medium authentication information may be generated by concatenating unique information of the mobile phone 100.

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

For example, the authentication processing unit 160 hashes the user password or user personal identification number through a one-way hash function, the hashed user password or user personal identification number, at least one random number value, the mobile phone. (100) XOR operation of at least one unique information (or unique information of the mobile phone 100 hashed by one-way hash function) to generate a media verifier, the generated media verifier and the user password or user personal identification number, at least OTP medium authentication information including one or more random number information, the unique information of the mobile phone 100 can be generated.

According to another exemplary embodiment of the present invention, the OTP medium authentication information may be generated by the processing unit of the OTP applet provided in the USIM 135 through any one of the various methods as described above.

If the USIM 135 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 identification number provided to the USIM 135 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 160, it is also possible to encrypt the OTP medium authentication information in the USIM (135) 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 media authentication information is generated by the processing unit of the OTP applet, the authentication processing unit 160 unique information of the mobile phone 100. To the USIM 135, 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 135 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 transmit the generated OTP medium authentication information to the authentication processing unit 160, which is intended by those skilled in the art. Accordingly, the USIM 135 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 160 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 condition that the server on the communication network provides the OTP (Nn) generation information to the mobile phone 100, the server on the communication network is a user password or user identification number and the mobile phone included in the OTP medium authentication information (100) comparing the registered user password or user personal identification number (or verification operation) in association with the unique information to process the user authentication, or to provide OTP (Nn) generation information to the mobile phone 100 It is desirable to check the validity.

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 OTP (Nn) generation information (ie, information including one or more fixed seed values and parameters for generating (Nn) digit OTP (Nn)) associated with the mobile phone 100 unique information. .

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

If the OTP (Nn) generation information is confirmed, the server on the communication network transmits the confirmed OTP (Nn) generation information to the mobile phone 100 through the mobile communication network, and the OTP (Nn) The generated information is preferably encrypted and transmitted by the secure communication session provided between the mobile phone 100 and the server on the communication network.

Referring to FIG. 1, the mobile phone 100 receives OTP (Nn) generation information for generating the (Nn) digit OTP (Nn) to generate the N digit OTP through the mobile communication network. It is characterized by comprising a receiving unit 165.

When the mobile phone 100 in the server on the communication network is authenticated with the OTP medium equipped with the OTP agent for generating the N-digit OTP, the server on the communication network confirms and transmits the OTP (Nn) generation information, the receiving unit 165 receives the OTP (Nn) generation information for generating the (Nn) digit OTP (Nn) through the wireless communication unit 130, the OTP (Nn) generation information is encrypted In this case, the decoding is performed according to a preset decoding procedure.

Referring to FIG. 1, the mobile phone 100 corresponds to an index value determined by the index processing unit 155 from the USIM 135 / memory unit 145 based on the user authentication result or OTP medium authentication result. Confirm OTP (n) generation information for generating n-digit OTP (n), and generate one or more fixed seed values and dynamic seed values for generating the OTP (n) from the identified OTP (n) generation information. Confirm / determine and generate the n-digit OTP (n) by substituting the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm, and from the received OTP (Nn) generation information, Identify / determine one or more fixed seed values and dynamic seed values for generating (Nn) digit OTP (Nn), and assign the one or more fixed seed values and dynamic seed values to the preset OTP generation algorithm.It is characterized by comprising an OTP generating unit 170 for generating (N-n) digit OTP (N-n).

If the user authentication is processed by the user authentication unit 150 as valid or the OTP medium authentication is processed by the authentication processing unit 160, the OTP generation unit 170 is the USIM 135 Confirming OTP (n) generation information for generating n-digit OTP (n) constituting the N-digit OTP corresponding to the index value determined by the index processing unit 155 from the memory unit 145. It is done.

If OTP (n) generation information for generating the n-digit OTP (n) is confirmed, the OTP generation unit 170 checks one or more fixed seed values included in the OTP (n) generation information, One or more dynamic seed values are determined through the parameters included in the OTP (n) generation information, and the at least one fixed seed value and the dynamic seed value are substituted into a predetermined OTP generation algorithm by assigning one or more fixed seed values and dynamic seed values. ) Is generated.

In addition, when the OTP (Nn) generation information is received through the reception unit 165, the OTP generation unit 170 generates the (Nn) digit OTP (Nn) from the received OTP (Nn) generation information. Identify / determine one or more fixed seed values and dynamic seed values, and substitute the identified / determined one or more fixed seed values and dynamic seed values into a preset OTP generation algorithm to generate (Nn) digit OTP (Nn). Characterized in that.

Referring to FIG. 1, when the n-digit OTP (n) and the (Nn) -digit OTP (Nn) are generated through the OTP generating unit 170, the mobile phone 100 generates the n-digit OTP ( The OTP combination unit 175 for generating an N (N> = 2) digit OTP by combining n) and (Nn) digit OTPs (Nn), and the generated N digit OTP on the screen output unit 110. OTP output unit 180 for outputting through a) characterized in that the mobile communication 100 is provided with a near field communication means (not shown), the OTP output unit 180 is the near field communication means It is possible to output the generated N-digit OTP to the mobile phone 100 and the terminal (or device) located in the near.

When the n-digit OTP (n) is generated through the OTP generating unit 170, and the (Nn) -digit OTP (Nn) is received, the OTP combination unit 175 performs the n-digit OTP (n). ) Is combined with the (Nn) digit OTP (Nn) to generate an N (N> = 2) digit OTP.

According to the exemplary embodiment of the present invention, the OTP combination unit 175 preferably connects the OTP (n) and the OTP (N-n) to generate N-digit OTP.

For example, when the OTP (n) is "123" and the OTP (Nn) is "456", the OTP combination unit 175 connects the OTP (n) and the OTP (Nn) to connect the OTP "123456". It is desirable to produce.

According to another exemplary embodiment of the present invention, the OTP combining unit 175 generates an N-digit OTP by performing an XOR operation on the OTP (n) and the OTP (Nn), or the OTP (n) and OTP (Nn). If the seat position is specified, it is preferable that the OTP combination unit 175 inserts the corresponding code into the seat positions of the OTP (n) and OTP (Nn) to generate an N-digit OTP.

For example, if the OTP (n) is "103050" and the OTP (Nn) is "020406", the OTP combining unit 175 performs an XOR operation on the OTP (n) and the OTP (Nn) to perform OTP "123456". It is preferable to generate.

Alternatively, when the OTP (n) is "1? 3? 5?" And the OTP (Nn) is "? 2? 4? 6", the OTP combination unit 175 is configured to connect the OTP (n) and OTP ( It is preferable to generate the OTP "123456" by inserting each code in place of Nn).

According to another exemplary embodiment of the present invention, the OTP combining unit 175 substitutes the OTP (n) and the OTP (Nn) into at least one code generation function (eg, a hash function) to form an N-digit OTP. Preferably, the present invention is not limited to the code generation function type and algorithm.

When the N-digit OTP is generated by combining the OTP (n) and the OTP (Nn), the OTP output unit 180 links the N-digit OTP generated in combination with the screen output unit 110 to the mobile phone. (100) Characterized in that the output to a predetermined area on the screen.

According to the exemplary embodiment of the present invention, the OTP output unit 180 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 180 outputs (or allocates) an OTP output region to a screen region currently output on the screen of the mobile phone 100 in association with the screen output unit 110. 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 180 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 mobile phone 100 transmits the generated OTP to a server that authenticates the OTP, the OTP output unit 180 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, Figure 2 stores the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, OTP (n) generation information and OTP (Nn) generation information in the storage medium 265, After providing the OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to the mobile phone 200 (however, if the mobile phone 200 is provided with an OTP agent), the mobile phone 200 may be omitted. Is used as an OTP medium, and receives and reads OTP medium authentication information from the mobile phone 200 to authenticate the mobile phone 200 as an OTP medium, and when the mobile phone 200 is authenticated as an OTP medium, the storage medium 265. By including the OTP (Nn) generation information corresponding to the mobile phone 200 to provide to the mobile phone 200, by including the OTP operating system for processing to generate the N-digit OTP in the mobile phone 200 Mobile phone 200 OTP system configuration As the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to implement various methods for configuring the mobile phone 200 OTP system (for example, some components may be omitted, Or subdivided or combined implementation methods), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

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, OTP (n) generation information and OTP (Nn) generation information in association with each other and stored in the storage medium 265, After providing the OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to the mobile phone 200 (however, if the mobile phone 200 is provided with an OTP agent), the mobile phone 200 may be omitted. Is used as an OTP medium, and receives and reads OTP medium authentication information from the mobile phone 200 to authenticate the mobile phone 200 as an OTP medium, and when the mobile phone 200 is authenticated as an OTP medium, the storage medium 265. ) OTP (Nn) generation information corresponding to the mobile phone 200 from By confirming and providing to the mobile phone 200, characterized in that it comprises an OTP operating system for processing to generate the N-digit OTP in the mobile phone 200, according to the intention of those skilled in the art It further comprises a user terminal 205 used by the user possessed, and an 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 a combination of two or more means) constituting the OTP operating system Each server is implemented in the form of a server system implemented, or some of the means for configuring the OTP operating system is implemented in the form of a server and the other part of the OTP server 220, OTP authentication request server 215, The OTP server 220 or OTP may be implemented in the form of a component of one or more servers among the communication server servers 210 provided in the mobile communication network to which the cellular phone 200 is connected, or constituting the OTP operating system. The authentication request server 215, the carrier server 210 may be all distributed and implemented in the form of components of one or more servers, the OTP operating system is implemented And bayida put out to clarify SHALL not limited to the invention by the server type and implementation location and number.

The mobile phone 200 is characterized in that the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in Figure 1 by being registered as the OTP medium, the mobile phone 200 A dedicated key button is requested to generate an OTP through the provided key input means, or a request is made to generate an OTP through a preset menu selection, or an OTP generation command (or an OTP agent driving command) through the mobile communication network. After receiving the user authentication, by generating 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 Upon authentication, the OTP (Nn) generation information is received from the OTP operating system, and n digits are generated through the OTP (n) generation information provided in the mobile phone 200. After creating of the OTP (n), by combining the OTP (n) and the OTP (N-n) is one wherein the generating, the output OTP of the N digits.

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. And OTP (n) generation information for generating n-digit OTP (n) in the mobile phone 200 and OTP (Nn) generation information for generating OTP (Nn) in (Nn) digits. OTP medium registration means 225 for storing (or allocating) and storing the OTP medium information, the OTP (n) generation information, and OTP (Nn) generation information in a storage medium 265, and the mobile phone 200. When the registered as the OTP medium, the mobile phone 200 is provided with the mobile phone processing means 230 to provide the OTP (n) generation information to store in the USIM / memory unit provided in the mobile phone 200 Characterized in that the configuration shown in Figure 1 on the mobile phone 200 Compared to the case where no OTP agent is provided, the mobile phone processing means 230 provides the mobile phone 200 with an OTP agent program code corresponding to the configuration shown in FIG. 1.

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 a 200, or may be used as a validation condition for providing the OTP (Nn) generation information to the mobile phone 200.

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

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

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

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

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

When 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, n-digit OTP (n digits) in the mobile phone 200. Generate (or allocate) one or more M (M> = m> = 1) OTP (n) generation information for generating) and M OTP (Nn) for generating (Nn) digits of OTP (Nn). After generating (or allocating) generation information, M-index values are uniquely matched to M generated OTP (n) generation information and OTP (Nn) generation information.

Here, the OTP (n) 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, OTP agent provided in the mobile phone 200 Preferably comprises at least one fixed seed value for generating an n-digit OTP (n) and a parameter for determining the dynamic seed value.

The OTP (Nn) generation information is maintained on the OTP operating system, one or more for generating (Nn) digit OTP (Nn) by the OTP agent provided in the mobile phone 200 in the OTP operating system It is preferred to include a fixed seed value and a parameter for determining the dynamic seed value.

The index value is a number / code value uniquely assigned to the M (M> = m> = 1) OTP (n) generation information and the OTP (Nn) generation information so as not to be duplicated. and (n) an index for determining (or selecting) any one of the OTP (n) generation information and the OTP (Nn) generation information paired with the generation information and the OTP (Nn) generation information.

When the OTP medium information is received from the OTP registration terminal and the OTP (n) generation information and the OTP (Nn) generation information are generated (or assigned), the OTP medium registration means 225 is connected to the OTP medium information. The M pieces of OTP (n) generation information, OTP (Nn) generation information, and index values are stored in the storage medium 265 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 A communication channel, and m (m <= M) OTP (n) generation information corresponding to a part (or all) of the M OTP (n) generation information, OTP (Nn) generation information, and index value; The index value is provided to the mobile phone 200 through the communication channel and stored 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 OTP (n) generation information is a separate channel through the mobile phone 200 ) Or package data including the OTP agent program code and the m OTP (n) generation information and index values may be provided to the mobile phone 200, and the present invention is not limited thereto. No.

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

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

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

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

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

When OTP medium authentication information is received from the mobile phone 200, the medium authentication means 240 includes an OTP medium including configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 265. Confirm the information, compare the configuration information included in the OTP medium authentication information with the configuration information included in the OTP medium information, and perform the comparison (or verify operation) as a result included in the OTP medium authentication information. Information and the configuration information included in the OTP medium information stored in the storage medium 265 is matched (or matched), or if a predicted result is obtained through a verification operation, the mobile phone 200 transmitting the OTP medium authentication information ) Is 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 265 (or verification operation) is compared (or verification operation) result of the comparison (or verification operation) the user password Alternatively, when the user personal identification number and the user password or the user personal identification number stored in the storage medium 265 match (or match) or a predicted 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, It characterized in that the process to be validated for providing group OTP (N-n) generating information to the mobile phone 200 OK.

Referring to FIG. 2, if the mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, the OTP operating system may provide OTP medium information corresponding to the OTP medium authentication information from the storage medium 265. And information checking means 260 for confirming OTP (Nn) generation information connected with the information transmission means 250 for transmitting the confirmed OTP (Nn) generation information to the mobile phone 200 through the mobile communication network. When the index value is received from the mobile phone 200, the information checking means 260 corresponds to the index value among the M OTP (Nn) generation information stored in the storage medium 265. It is characterized in that the OTP (Nn) generation information to confirm.

The mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, and the validity of providing the mobile phone 200 with the validity for the user of the mobile phone 200 or the OTP (Nn) generation information is more effective. If the authentication (optional), the information checking means 260 checks the OTP (Nn) generation information connected to the unique information of the mobile phone 200 corresponding to the OTP medium authentication information from the storage medium 265, or Characterized in that the OTP (Nn) generation information associated with the user password or the user identification number, characterized in that, when the index value is received from the mobile phone 200, M OTP (Nn) stored in the storage medium 265 ) OTP (Nn) generation information corresponding to the index value of the generation information is confirmed.

When the OTP (Nn) generation information is confirmed, the information transmitting means 250 transmits the OTP (Nn) generation information to the mobile phone 200 through a communication channel connected to the mobile phone 200 through the mobile communication network. Characterized in that the transmission.

Referring to FIG. 2, the OTP operating system receives an N-digit OTP generated by an OTP agent provided in the mobile phone 200 through a communication network, and connects the OTP with the unique information of the mobile phone 200 generating the OTP. (n) confirming the generation information and the OTP (Nn) generation information, generating n-digit OTP (n) 'through the OTP (n) generation information, and generating (Nn) digits through the OTP (Nn) generation information. Generates OTP (Nn) ', and combines the n-digit OTP (n)' and the (Nn) -digit OTP (Nn) 'to generate N-digit OTP', and the N-digit OTP and OTP ' And OTP authentication means 255 for authenticating whether the received OTP is valid by comparing (or verifying operation), and the function of authenticating the OTP in the OTP authentication means 255 is a separate OTP server. It is possible to be implemented at 220, the present invention includes all the analogous implementation method It is clear that this is done.

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 predetermined decryption method.

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

When the OTP is received, the OTP authentication means 255 or the OTP server 220 confirms the OTP (n) generation information connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 265. Confirms one or more fixed seed values for generating the OTP (n) 'from the identified OTP (n) generation information, and sets one or more dynamic seed values through a parameter included in the OTP (n) generation information. And the determined / determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm to generate n-digit OTP (n) '.

In addition, the OTP authentication means 255 or OTP server 220 confirms the OTP (Nn) generation information connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 265, and the confirmed Identify one or more fixed seed values for generating the OTP (Nn) 'from the OTP (Nn) generation information, determine one or more dynamic seed values through parameters included in the OTP (Nn) generation information, and (Nn) digit OTP (Nn) 'is generated by substituting one or more fixed seed values and dynamic seed values which have been confirmed / determined into a preset OTP generation algorithm, and the generated N digit OTP (n)' and the mobile phone ( OTP (Nn) 'provided in 200) is combined to generate N-digit OTP'.

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

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

On the other hand, if the comparison results do not match (or match) the OTP and OTP ', or if a predicted result is not obtained through a verification operation, the OTP authentication means 255 or the OTP server 220 authenticates the OTP. If not, 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.

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 the mobile phone 200 OTP system shown in FIG. 2, and has a general knowledge in the art. In this case, various implementation methods (e.g., some steps may be omitted, or the order may be changed) for the OTP medium registration process may be inferred by referring to and / or modifying the present invention. It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 3, when the OTP registration terminal accesses a server through a communication network and requests registration of the user's mobile phone 200 as an OTP medium (300), the server transmits the user information and the user to the OTP registration terminal. And provides an OTP medium registration interface for inputting / registering OTP medium information including unique information of the mobile phone 200 corresponding to the mobile phone 200 of the mobile phone 200, and 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 check the validity of using the mobile phone 200 corresponding to the unique information of the mobile phone 200 as the OTP medium (315).

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

On the other hand, if the validity of using the mobile phone 200 as the OTP medium is confirmed (320), the server M (M> = to generate an n-digit OTP (n) in the mobile phone 200 in the OTP medium 1) generating (or allocating) OTP (n) generation information and generating (or allocating) M OTP (Nn) generation information for generating (Nn) digit OTP (Nn) in the mobile phone 200. After uniquely allocating M index values corresponding to the M OTP (n) generation information and the OTP (Nn) generation information (330), the OTP medium information and the M allocated (or generated) The OTP (n) generation information, the OTP (Nn) generation information, and the index value are stored together in the storage medium 265 (335).

According to the embodiment of the present invention, only one OTP (n) generation information and OTP (N-n) generation information may be allocated in the server, and in this case, the server may not be assigned the index value.

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 and stores the details in association with each other.

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

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

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.

For example, FIG. 4 illustrates the transmission of the OTP medium authentication information to the OTP operating system by including the unique information and the index value of the mobile phone 200, but the present invention is not limited thereto. Is not included in the OTP medium authentication information and can be transmitted to an OTP operating system through a separate channel, and the OTP medium authentication information further includes a user password or a user personal identification number for user authentication in the OTP operating system. Alternatively, it is possible to transmit the user password or the personal identification number to the OTP operating system through a separate channel, and it is apparent that the present invention includes all the implementation methods that can be modified through the drawing 4. .

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 determines the one of the index value to be used for OTP authentication of the m index values stored in the USIM / memory unit, the mobile phone 200, Configure OTP medium authentication information including unique information of the mobile phone 200 corresponding to the mobile phone 200 and the determined index value (415), connect a communication channel with the server, and then connect to the server through the communication channel. The OTP medium authentication information is transmitted (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 an embodiment of the present invention, the server checks the OTP medium information including the configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 265, and includes in the OTP medium authentication information. The configured configuration information and the configuration information included in the OTP medium information and compare the configuration information included in the OTP medium authentication information with the configuration information included in the OTP medium authentication information and the OTP medium stored in the storage medium 265. If the configuration information included in the information is matched (or matched) or a result of the prediction is obtained through a verification operation, the OTP medium registration means 225 sends the mobile phone 200 which has transmitted the OTP medium authentication information. It is desirable to authenticate with a valid mobile phone 200 registered as an OTP medium.

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, when the mobile phone 200 is authenticated as a valid OTP medium (435), the server generates M OTPs (Nn) stored in the storage medium 265 in association with the OTP medium information including the unique information of the mobile phone 200. Check the OTP (Nn) generation information corresponding to the index value among the information (445), the server transmits the identified OTP (Nn) generation information to the mobile phone 200 through a communication channel (450), Correspondingly, the mobile phone 200 confirms the OTP (n) generation information for generating the n-digit OTP (n) from the USIM / memory unit, and the OTP (n) from the OTP (n) generation information. Identify / determine one or more fixed seed values and dynamic seed values for generating a value, and assign the one or more fixed seed values and dynamic seed values to a preset OTP generation algorithm to generate n-digit OTP (n). And from the received OTP (Nn) generation information. Identify / determine one or more fixed seed values and dynamic seed values for generating the (Nn) digit OTP (Nn), and assign the one or more fixed seed values and dynamic seed values to a preset OTP generation algorithm. By generating (Nn) digit OTP (Nn) (455), by combining the generated n-digit OTP (n) and the received (Nn) digit OTP (Nn) to generate an N-digit OTP Output 460.

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 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 methods for the OTP authentication process (for example, some steps may be omitted or the order may be changed). Although it can be inferred, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown 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 ( 265) corresponding to the index value identified through the process shown in FIG. 4 among M terminal-side OTP generation information corresponding to the OTP medium that generated the N-digit OTP (however, the index value is confirmed in FIG. 4). If not, the OTP (n) generation information and the OTP (Nn) generation information are checked (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 confirms one or more fixed seed values for generating the OTP (n) 'from the identified OTP (n) generation information, and uses one or more parameters through parameters included in the OTP (n) generation information. Determine a dynamic seed value, assign the at least one fixed seed value and the dynamic seed value to a predetermined OTP generation algorithm to generate n digits of OTP (n) ', and generate the identified OTP (Nn) Identify one or more fixed seed values for generating the OTP (Nn) 'from the information, determine one or more dynamic seed values through parameters included in the OTP (Nn) generation information, and determine one or more fixed seed values The seed value and the dynamic seed value are substituted into a predetermined OTP generation algorithm to generate (Nn) digit OTP (Nn '), and the generated n digit OTP (n)' and O provided to the mobile phone 200. TP (Nn) 'is combined to generate N-digit OTP' (510), and then OTP (n) 'and OTP (Nn)' are combined (e.g., the N-digit OTP in mobile phone 200). In the same manner as the method of combining) to generate an N-digit OTP '(515).

If the N-digit OTP 'is generated (520), the server compares (or verifies) the received N-digit OTP' to verify the OTP validity (525).

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

On the other hand, if the OTP validity is confirmed (530), the server receives the OTP authentication result corresponding to the OTP validity check means (for example OTP authentication request server 215, user terminal 205, mobile phone) One or more of 200) (540).

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, an OTP of (Nn) digits of (Nn) digits of N (N> = 2) digits corresponding to the index value dynamically determined by the mobile phone in the server on the communication network ( If the mobile phone provides OTP (Nn) generation information for generating Nn) to the mobile phone, the mobile phone generates n-digit OTP (n) among the N-digit OTPs through the OTP (n) generation information corresponding to the index value. And generating (Nn) digit OTP (Nn) through the OTP (Nn) generation information, and then generating and outputting N digit OTP by combining the OTP (n) and OTP (Nn). The advantage of generating and outputting N-digit OTP only by a mobile phone registered as is, and the advantage of always satisfying two-factor authentication conditions regardless of whether the mobile phone is used as a non-face-to-face transaction medium. have.

Claims (7)

One that stores OTP media information including mobile phone-specific information registered as OTP (One Time Password) media in the storage medium and generates n-digit OTP (n) among N (N> = 2) -digit OTP. Assigning a unique index value to the OTP (n) generation information and one or more OTP (Nn) generation information for generating (Nn) digit OTP (Nn), and storing and storing the unique index value in a storage medium; Transmitting, by the mobile phone, OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and a dynamically determined index value to a server on a communication network; Authenticating the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP by comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information; When the mobile phone is authenticated with the OTP medium, the server checks the OTP (Nn) generation information matching the index value among the one or more OTP (Nn) generation information for the OTP medium from the storage medium and transmits it to the mobile phone. step; Confirming OTP (n) generation information from the USIM (or memory) in the mobile phone and generating OTP (n), and generating OTP (N-n) through the OTP (N-n) generation information; And Generating a N-digit OTP by combining the OTP (n) and OTP (N-n) 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 OTP (n) generation information and OTP (Nn) generation information matching the index value from the storage medium, and then OTP (n) and OTP. Generating (Nn); Generating an N-digit OTP 'by combining the OTP (n) and OTP (N-n) at the server; And Comparing (or verifying) the received N-digit OTP and the generated N-digit OTP 'and verifying the validity of the N-digit OTP; and performing an index exchange. How to provide OTP with code assembly method. The method of claim 1, The OTP medium authentication information, Characterized in that it further comprises a user password or user personal identification number, And the server further comprises authenticating the mobile phone to an OTP medium through the user password or the user personal identification number. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. One or more OTP (n) for storing OTP medium information including mobile phone unique information registered as OTP (One Time Password) medium and generating n-digit OTP (n) among N (N> = 2) -digit OTP A storage medium for assigning and storing unique index values to one or more OTP (Nn) generation information for generating generation information and (Nn) digit OTP (Nn); When the user's mobile phone transmits the OTP medium authentication information including the unique mobile phone information and the index value that is dynamically determined, the mobile phone is N compared with the OTP medium information stored in the storage medium (or verification operation). Medium authentication means for authenticating with an OTP medium for generating (or outputting) a digit OTP; Information verification means for confirming OTP (N-n) generation information matching the index value among one or more OTP (N-n) generation information for the OTP medium from the storage medium when the mobile phone is authenticated with an OTP medium; And And information transmitting means for transmitting the checked OTP (N-n) generation information to the mobile phone. The method of claim 5, When the N-digit OTP is received from the user terminal or the mobile phone, OTP (n) generation information and OTP (Nn) generation information matching the index value are checked from the storage medium, thereby OTP (n) and OTP (Nn). OTP authentication to generate and combine N to generate an N-digit OTP, and to verify the validity of the N-digit OTP by comparing (or verifying) the received N-digit OTP and the generated N-digit OTP '. A system for providing a code combination type OTP through index exchange, further comprising means. 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; An index processing unit which dynamically determines any one of a plurality of indexes and transmits the index value to the server; A receiving unit for receiving OTP (N-n) generation information matching the index value according to the OTP medium authentication result from the server; Check OTP (n) generation information matching the index value among the OTP (n) generation information stored in the USIM (or memory) to generate OTP (n), and generate OTP (Nn) through the OTP (Nn) generation information. OTP generation unit for generating; An OTP combination unit generating the N-digit OTP by combining the OTP (n) and OTP (N-n); And And an OTP output unit for outputting the N-digit OTP.

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