KR20100136074A - System and method for providing otp by index exchange, mobile phone and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for providing an OTP(One Time Password) by an index exchange, a mobile phone and a recording medium are provided to enable a server to authenticate a mobile phone as a valid OTP medium by transmitting OTP medium authentication information to a server of a communication network. CONSTITUTION: An authentication processor(160) transmits OTP medium authentication information to a server of a communication network, and requests the mobile phone to be authenticated as an OTP medium. An index processor(155) determines one index value plural indexes dynamically. A receiver(165) receives server-side OTP generation information matched with the index value. An information configuration unit(170) configures OTP generation information by combining terminal-side OTP generation information with the server OTP generation information.

Description

System and Method for Providing 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: information configuration unit 175: OTP generation 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 (or set) in a universal subscriber identity module (USIM) or a memory area of a user mobile phone used as an One Time Password (OTP) medium. 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. And authenticating and providing server-side OTP generation information corresponding to the index value dynamically determined by the mobile phone according to the OTP medium authentication result to the mobile phone, the terminal-side OTP generation information corresponding to the index value in the mobile phone and the OTP generation information is configured by combining received server-side OTP generation information, and then the OTP. To provide a method and system for generating and outputting the OTP of N digits through configuration information.

With the development of information and communication technology, non-face-to-face transactions using telecommunication networks are activated, non-face-to-face transaction providers must verify that 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 is one or more fixed seed value and a fixed seed value that is dynamically determined at the time of generating the password, the non-faceted trading party exchange / share, and then each of the trading party is confirmed / determined at the non-faceted authentication Substituting the seed value and the dynamic seed value into 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, reuses the same OTP. Since it is not possible to use, it is used as an authentication means that is safer against hacking than other authentication means.

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

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

In addition, when using a wireless non-face-to-face transaction such as wireless payment / banking through a mobile phone used as the mobile phone OTP generator, the mobile phone is used as a transaction medium for the non-face-to-face transaction as well as an authentication medium for authenticating the non-face-to-face transaction. In this case, such wireless face-to-face transactions do not meet the Two-Factor Authentication requirement that the transaction and authentication media must be separated into different media in face-to-face transactions with 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 to provide server-side OTP generation information corresponding to an index value dynamically determined by the mobile phone in a server on the communication network when the mobile phone authenticates with a valid OTP medium. After the OTP generation information is configured by combining the terminal-side OTP generation information corresponding to the index value and the received server-side OTP generation information, the N-digit OTP is generated and output through the OTP generation information to be registered as a valid OTP medium. The N-digit OTP is generated and output only by the mobile phone, and always satisfies the two-factor authentication condition regardless of whether the mobile phone is used as a non-face-to-face transaction medium.

According to the present invention, a method for providing an OTP through index exchange includes storing OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium in a storage medium, and storing the OTP medium of the mobile phone registered as the OTP medium. Assigning a unique index value to one or more terminal-side OTP generation information included in a USIM (or memory) and one or more server-side OTP generation information to be provided to the mobile phone through a communication network, and storing and maintaining the unique index value in a storage medium; Transmitting OTP medium authentication information including mobile phone unique information stored in a USIM (or memory), a dynamically determined index value to a server on a communication network, and the OTP medium information stored in the storage medium and the OTP in the server. By comparing (or verifying) the media authentication information, the mobile phone is authenticated with an OTP medium that generates (or outputs) an N (N> = 2) digit OTP. And when the mobile phone is authenticated as an OTP medium, the server checks server-side OTP generation information matching the index value among one or more server-side OTP generation information for the OTP medium from the storage medium and transmits it to the mobile phone. And configuring OTP generation information by combining the terminal-side OTP generation information included in a USIM (or memory) and the received server-side OTP generation information in the mobile phone, and N through the OTP generation information in the mobile phone. It characterized in that it comprises a step of generating the OTP of the digit.

In the OTP providing method through the index exchange according to the present invention, when the user terminal or the mobile phone transmits the N-digit OTP, a server-side OTP generation information matching the index value from the storage medium in the server and the server side Confirming and combining OTP generation information to construct OTP generation information, generating N-digit OTP 'through the OTP generation information at the server, and generating the N-digit OTP received at the server. And comparing (or verifying) the N-digit OTP ', thereby validating the validity of the N-digit OTP.

In the OTP providing method 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 personal identification number, the server is the user password or user personal identification number It characterized in that it further comprises the step of authenticating the mobile phone through the OTP medium.

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

On the other hand, the OTP providing system through the index exchange according to the present invention, OTP medium information including the unique mobile phone information registered as the OTP (One Time Password) medium and the USIM (or memory) of the mobile phone registered as the OTP medium A storage medium for assigning and storing a unique index value to the server-side OTP generation information to be provided to the mobile phone through the provided terminal-side OTP generation information and the communication network, and OTP medium authentication information including unique mobile phone information in the user's mobile phone; When the index value determined dynamically is transmitted, the mobile phone generates (or outputs) an N (N> = 2) digit by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information. Media authentication means for authenticating with an OTP medium and at least one server-side OTP generation information for the OTP medium from the storage medium when the mobile phone is authenticated with an OTP medium. And information checking means for confirming server-side OTP generation information matching the index value and information transmitting means for transmitting the checked server-side OTP generation information to the mobile phone.

In a system for providing an OTP through index exchange according to the present invention, when an N-digit OTP is received from a user terminal or the mobile phone, terminal-side OTP generation information and server-side OTP generation information matching the index value from the storage medium are provided. After the OTP generation information is configured by combining and verifying the combination, the N-digit OTP 'is generated using the OTP generation information, and the received N-digit OTP is compared with the generated N-digit OTP' (or verification operation). It is characterized in that it further comprises an OTP authentication means for authenticating the validity of the N-digit OTP.

On the other hand, the mobile phone according to the present invention, authentication to configure the OTP (One Time Password) medium authentication information including the unique mobile phone information stored in the USIM (or memory) to the server on the communication network to request authentication of the mobile phone as the OTP medium 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 server-side OTP generation information matching the index value according to the OTP medium authentication result from the server. Information receiving unit configured to combine OTP generation information and terminal-side OTP generation information matching the index value among the terminal-side OTP generation information stored in the USIM (or memory) and the server-side OTP generation information to configure the OTP generation information And an OTP generating unit for generating an N (N> = 2) digit OTP through the OTP generation information and an OTP for outputting the N digit OTP. It is characterized by comprising a TP output unit.

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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

According to an embodiment of the present invention, the mobile phone 100 includes a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 125, and the like in terms of hardware. Internally, a modem chip (for example, MSM series modem chip manufactured by Qualcomm, Inc.), which has functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, Various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier that amplifies a transmission signal, a high power amplifier (HPA), and an isolator that prevents a high power transmission signal from being reversed. RF / IF SAW filter for removing unwanted out-of-band unwanted signals, frequency up-circuit in 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. , A sound processor 115 corresponding to a microphone / speaker, a key input unit 120 corresponding to a keypad, a wireless communication unit 130 corresponding to an antenna and various RF modules, and a memory unit 145 corresponding to a nonvolatile memory. ), A USIM 135 (Universal Subscriber Identity Module) corresponding to an IC (Integrated Circuit) 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 supplying power.

The controller 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a program routine or program for providing a function specific to the mobile phone 100 from a memory device. It comprises a bus (BUS) for inputting and outputting data and an electronic circuit (or integrated circuit) provided for this, from the memory unit 145 or a memory device (or chipset) to the execution memory in software A generic term for program routines or program data that is loaded and computed through the processor to perform a specific function (hence, to an OTP agent recorded on a recording medium of the mobile phone 100 for the function of generating the N-digit OTP). Corresponding program routine components are shown in the control section 105 for convenience. The program routine included in the controller 105 is basically an operating system routine (not shown) and one or more system management routines (for example, a power management routine, a channel (forward / reverse) management routine, a handoff routine). Etc.), and various functional configurations to be implemented in the mobile phone 100 by the controller 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 the arithmetic processing, the cellular phone 100 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state", thereby enabling mobile communication based wireless access and call processing (Call Processing). Perform the procedure.

According to an embodiment of the present invention, the function of generating the N-digit OTP is preferably initiated (or realized) through the key input in the operation mode corresponding to the "mobile station call waiting state". .

The screen output unit 110 is a function configuration unit for checking the operation of each operation mode and the corresponding operation state of the mobile phone 100, one or more screen output including an LCD provided in the mobile phone 100 And a driver for driving the screen output device, and outputs one or more key data input through the key input unit 120 in 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 a function of generating the N-digit OTP. It is preferable.

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

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. It characterized in that it comprises a driver for driving a, thereby detecting at least one key input signal generated by clicking (or input) the key button in the key input device.

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

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

In addition, the key input unit 120 by inputting 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, the mobile phone 100 It is desirable to execute various functions provided in the.

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 instruction set of the COS as a program routine (for example, a Java applet in the case of a Javacard) that is driven or executed and operated within the 135 and used by a processor included in the mobile phone 100. Corresponding to an application made up of an instruction call code that interacts with an executable code and execution code that is processed by the processor unit. A processor (not shown) is provided. In particular, the processor reads a command provided from a processor included in the mobile phone 100 through the input / output interface through an APDU, and stores the command in the storage unit based on the read command. At least one information or data is read or recorded, and the result or read information or data is provided to a processor provided in the mobile phone 100 through the input / output interface through an APDU.

According to an embodiment of the present invention, the storage unit of the OTP applet, OTP generation information for generating the N-digit OTP in the mobile phone 100 is combined (or linked) with the server-side OTP generation information received from the server on the communication network It is preferable to store m (m> = 1) terminal-side OTP generation information to be included in association with m index values.

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

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the terminal-side OTP generation information includes a seed (or part of a fixed seed value) fixed to substitute for the time-synchronized OTP generation algorithm. Or, preferably comprises a parameter (or a portion of the parameter) for determining the dynamic seed value, the terminal-side OTP generation information is combined (or associated) with server-side OTP generation information received from a server on the communication network. It is included in OTP generation information for generating an N-digit OTP.

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

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

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

According to another exemplary embodiment of the present invention, when one terminal-side OTP generation information is stored in the 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 equipped with the function of generating the N-digit OTP through the OTP generation information, the processing unit of the OTP applet, the user password or the user personal identification number input through the mobile phone 100 After the user authentication through, the mobile phone 100 preferably comprises a program code for providing the terminal-side OTP generation information.

According to the method of the present invention, the USIM 135 may be provided with the function of generating the N-digit OTP through the OTP generation information in the mobile phone 100, in which case the processing unit of the OTP applet After the user authentication through a user password or a user identification number input through the mobile phone 100, configure the OPT generation information through the terminal-side OPT generation information and server-side OPT generation information, or the OPT generation information Confirm / determine one or more fixed seed values and dynamic seed values for generating the N-digit OTP, and assign the one or more fixed seed values and dynamic seed values to the set OTP algorithm to It is preferable to include the program code for generating the OTP.

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

The memory unit 145 is a general term for a nonvolatile memory corresponding to a storage medium storing one or more information (or data) in the mobile phone 100 and a recording medium for recording program codes corresponding to one or more program routines. And a read only memory (ROM) corresponding to the read only memory, a flash memory (FM), an electrically erasable and programmable read only memory (EEPROM), and the like.

According to the exemplary embodiment of the present invention, the memory unit 145 stores m (m> = 1) terminal-side OTP generation information for generating the N-digit OTP in the mobile phone 100, respectively, with m index values and respective values. It is desirable to store in conjunction.

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

The index value is a terminal-side OTP so as not to be duplicated for one-to-one matching of m terminal-side OTP generation information stored in the memory unit 145 and M (M> = m) terminal-side OTP generation information included in a server on a communication network. A uniquely assigned value for each generation information, the terminal side OTP generation information stored in the memory unit 145 and the terminal side OTP generation information provided in the server on the communication network in association with the same index value have the same fixed seed value and dynamic seed. It is preferred to include a parameter for determining the value.

According to another exemplary embodiment of the present invention, when one terminal-side OTP 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 a mobile communication network, the user authentication unit 150 inputs a user password or user personal identification number for user authentication through the screen output unit 110. Outputting an authentication interface, and when a user password or a user identification number is input through the user authentication interface, processing a user authentication for generating an OTP of digits through the input user password or user identification number; do.

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

Referring to FIG. 1, the mobile phone 100 corresponds to any one of terminal-side OTP generation information to be used for generating an OTP among m terminal-side OTP generation information stored in the USIM 135 / memory unit 145. And an index processor 155 for determining an index value and processing the index value to be transmitted to a server on a communication network that transmits server-side OTP 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 the index values associated with m terminal-side OTP generation information stored in the USIM 135 / memory unit 145, or Determining an index value according to a preset order, or arbitrarily determining one of the remaining index values except the previously determined index value, or determining one of the m index values according to a preset index policy. desirable.

When any one of the index values associated with m terminal-side OTP generation information stored in the USIM 135 / memory unit 145 is determined, the index processing unit 155 determines that the determined index value is OTP medium authentication. It is included in the information to process the transmission to the server on the communication network for transmitting server-side OTP generation information to the mobile phone 100, or after the mobile phone 100 is authenticated as the OTP medium and connects the communication channel with the server on the communication network 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 USIM 135 / memory unit 145 does not include an index value and one terminal side OTP generation information is stored, the index processing unit 155 determines the index value or 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 is valid in the mobile phone 100 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 to verify that the mobile phone 100 is an OTP medium equipped with the OTP agent. Characterized in that the transmission to the server.

According to 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 personal identification number provided by the user authentication unit 150 to the USIM 135 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 If the server on the communication network using the server-side OTP generation information to provide the mobile phone 100, the server on the communication network is a user password or user identification number included in the OTP medium authentication information and the mobile phone ( 100) Effectiveness of processing the user authentication by comparing (or verifying) the registered user password or user personal identification number in association with the unique information, or providing the server-side OTP generation information to the mobile phone 100. It is desirable to check.

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 server on the communication network is one or more fixed to be included in the server-side OTP generation information associated with the unique information of the mobile phone 100 (that is, combined with (or linked) with the terminal-side OTP generation information) included in the OTP generation information for generating an N-digit OTP. Information including seed values and parameters).

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

If the server-side OTP generation information is confirmed, the server on the communication network is characterized in that to transmit the confirmed server-side OTP generation information to the mobile phone 100 through the mobile communication network, the server-side OTP generation information It is preferable to be 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 server-side OTP generation information to be combined with the terminal-side OTP generation information to configure OTP generation information for generating the N-digit OTP through the mobile communication network. It is characterized by comprising a receiving unit 165.

The server side to be combined (or linked) with the terminal-side OTP generation information in the server on the network by being authenticated with the OTP medium equipped with the OTP agent generating the N-digit OTP in the server on the communication network Upon checking and transmitting the OTP generation information, the receiving unit 165 receives server-side OTP generation information to be combined (or linked) with the terminal-side OTP generation information through the wireless communication unit 130. If the server-side OTP generation information is encrypted, it is characterized by decrypting according to a predetermined decryption procedure.

Referring to FIG. 1, the mobile phone 100 confirms terminal-side OTP generation information corresponding to the index value determined by the index processing unit 155 from the USIM 135 / memory unit 145, and the terminal. An information structuring unit 170 configured to combine (or associate) the OTP generation information with the received server-side OTP generation information to form OTP generation information for generating N-digit OTPs, and the N-digit number from the OTP generation information. Identifying / determining at least one fixed seed value and a dynamic seed value for generating an OTP, and assigning the at least one fixed seed value and the dynamic seed value to a predetermined OTP generation algorithm to generate N-digit OTPs. It is characterized by comprising an OTP generating unit 175.

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 as valid, and server-side OTP generation information through the receiving unit 165. Is received, the information configuring unit 170 confirms the terminal-side OTP generation information corresponding to the index value determined by the index processing unit 155 from the USIM 135 / memory unit 145, and confirms The OTP generation information for generating N-digit OTP is generated by combining (or linking) the terminal-side OTP generation information and the server-side OTP generation information received through the receiving unit 165.

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

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

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

When the OTP generation information is configured, the OTP generation unit 175 checks at least one fixed seed value included in the OTP generation information, and determines at least one dynamic seed value through a parameter included in the OTP generation information. The N-digit OTP is generated by substituting the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm.

Referring to FIG. 1, the mobile phone 100 includes an OTP output unit 180 for outputting the generated N-digit OTP through the screen output unit 110. When a short range communication means (not shown) is provided at 100, the OTP output unit 180 transmits the generated N-digit OTP through the short range communication means to the mobile phone 100 and the terminal (or device) located at a short distance. It is possible to output

When the N-digit OTP is generated, the OTP output unit 180 outputs the N-digit OTP generated in combination with the screen output unit 110 to a predetermined area on the screen of the mobile phone 100. It is done.

According to the exemplary embodiment of the present invention, the OTP output unit 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 for authenticating the OTP through a connection, which may be omitted if it is already connected, and authenticating the OTP through the secure communication channel. It is possible to directly transmit the generated OTP to the server, whereby the present invention is not limited.

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

In more detail, FIG. 2 stores the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, the terminal-side OTP generation information, and the server-side OTP generation information in a storage medium 265, and stores the cellular phone. Providing an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to 200 (but, if the mobile phone 200 is equipped with an OTP agent, it may be omitted), the mobile phone 200 is OTP. When used as a medium, when the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200, and the mobile phone 200 is authenticated as an OTP medium, the storage medium 265 is transmitted from the storage medium 265. The mobile phone 200 including an OTP operating system for checking the server-side OTP generation information corresponding to the mobile phone 200 and providing the mobile phone 200 to generate the N-digit OTP in the mobile phone 200. ) OTP System configuration, and those skilled in the art to which the present invention pertains, various implementation methods (for example, some configurations) of the mobile phone 200 OTP system by referring to and / or modifying the present Figure 2 Addition, omission, subdivision, or combined) may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG. No.

Referring to FIG. 2, the OTP system of the mobile phone 200 includes an OTP authentication requesting OTP authentication to a mobile phone 200 having the OTP agent configuration shown in FIG. 1 and a user having the mobile phone 200. The request server 215 and the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, the terminal-side OTP generation information and the server-side OTP generation information are stored in the storage medium 265, and the mobile phone is stored. Providing an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to 200 (but, if the mobile phone 200 is equipped with an OTP agent, it may be omitted), the mobile phone 200 is OTP. When used as a medium, when the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200, and the mobile phone 200 is authenticated as an OTP medium, the storage medium 265 is transmitted from the storage medium 265. Server side OTP corresponding to the mobile phone 200 By confirming the generation information 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 having a 200, 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 The server system is implemented in the form of each server, or some of the means for configuring the OTP operating system is implemented in the form of a server and the other part of the OTP server 220, OTP authentication request server 215, Each means for constituting one or more of the communication server servers 210 provided in the mobile communication network to which the mobile phone 200 is connected, or constituting the OTP operating system is the OTP server 220, OTP authentication The request server 215 and 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 for requesting to authenticate the mobile phone 200 to the OTP medium to generate and transmit to the OTP operating system, the OTP operating system in the OTP operating system the OTP medium If the authentication is received, the server-side OTP generation information is received from the OTP operating system, and the terminal-side OTP generation information provided in the mobile phone 200 is matched. Combining (or linking) the server-side OTP generation information previously received to configure OTP generation information for generating an N-digit OTP, and generates and outputs an N-digit OTP through the OTP generation information.

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 Includes digital TV, IP-TV, home appliance terminal connected to the home network.

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 generate (or assign) terminal-side OTP generation information and server-side OTP generation information to be included in OTP generation information for generating N-digit OTP in the mobile phone 200, and generate the OTP medium information and the terminal side. OTP medium registration means 225 for storing OTP generation information and server-side OTP generation information in a storage medium 265 and when the mobile phone 200 is registered as the OTP medium, the mobile phone 200 transmits the terminal. It characterized in that it comprises a mobile phone processing means 230 to provide the OTP generation information on the mobile phone 200 to be stored in the USIM / memory unit provided in the mobile phone 200, as shown in FIG. Configuration When the provided OTP agent is not 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 validity of the user possessing (200), or may be used as a validation condition for providing the server-side OTP 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.

If the OTP medium information is received or the validity of using the mobile phone 200 as an OTP medium is authenticated, the OTP medium registration means 225 generates an N-digit OTP in the mobile phone 200. After generating (or allocating) one or more M (M> = m> = 1) terminal-side OTP generation information and M server-side OTP generation information to be included in the OTP generation information, the M (M) generated (or assigned) M index values are uniquely matched and assigned to the terminal-side OTP generation information and the server-side OTP generation information.

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

The server-side OTP generation information is maintained on the OTP operating system, one or more fixed seeds to be included in the OTP generation information for generating N-digit OTP by the OTP agent provided in the mobile phone 200 in the OTP operating system It is preferred to include a parameter for determining the value and the dynamic seed value.

The index value is a number / code value uniquely assigned to the M (M> = m> = 1) terminal-side OTP generation information and the server-side OTP generation information so as not to be duplicated. And an index for determining (or selecting) any one of the terminal-side OTP generation information and the server-side OTP generation information that form a pair of the generation information and the server-side OTP generation information.

When the OTP medium information is received from the OTP registration terminal and the terminal-side OTP generation information and the server-side OTP generation information are generated (or assigned), the OTP medium registration means 225, the OTP medium information and the M Terminal-side OTP generation information, server-side OTP generation information, and index values are stored in the storage medium 265.

When the mobile phone 200 is registered as the OTP medium by the OTP medium registration means 225, the mobile phone processing means 230, the mobile phone 200 corresponding to the unique information of the mobile phone 200 through a mobile communication network And (m <= M) terminal side OTP generation information corresponding to a part (or all) of the M terminal side OTP generation information, server side OTP generation information, and index value, and the index value. It provides to the mobile phone 200 through the communication channel, characterized in that for storing in the USIM / memory unit provided in the mobile phone (200).

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

Referring to FIG. 2, the OTP operating system includes information receiving means 235 for receiving OTP medium authentication information requesting to authenticate the mobile phone 200 as an OTP medium from the mobile phone 200 through a mobile communication network; And a medium authentication means 240 for 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). By further comprising a user authentication means 245 for authenticating the user validity of the mobile phone 200 used as the OTP medium Is recommended.

According to an exemplary embodiment of the present invention, a dedicated key button for requesting generation of an OTP is input through a key input unit provided in the mobile phone 200, or a request for generating an OTP through a preset menu selection is performed. 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 stage 235 separates the OTP medium authentication after the OTP medium authentication information. It is preferable to receive the index value through a channel, 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, Characterized in that the validity for providing the server-side OTP generation information to the mobile phone 200 is characterized in that the processing.

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 server-side OTP generation information connected to the server, and information transmitting means 250 for transmitting the checked server-side OTP generation information to the mobile phone 200 through the mobile communication network. When the index value is received from the mobile phone 200, the information checking means 260 is a server corresponding to the index value among the M server-side OTP generation information stored in the storage medium 265. It is characterized by checking the side OTP generation information.

The mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, and the validity for providing the server side OTP generation information to the mobile phone 200 or validity for the user of the mobile phone 200 is further authenticated. When (optional), the information checking means 260 checks the server-side OTP generation information connected with the unique information of the mobile phone 200 corresponding to the OTP medium authentication information from the storage medium 265, or uses the information. Verifying server-side OTP generation information associated with a user password or a personal identification number. When index values are received from the mobile phone 200, M server-side OTP generation information stored in the storage medium 265 is provided. The server-side OTP generation information corresponding to the index value is checked.

When the server-side OTP generation information is confirmed, the information transmitting means 250 transmits the server-side OTP generation information to the mobile phone 200 through a communication channel connected to the mobile phone 200 through the mobile communication network. It is characterized by.

Referring to FIG. 2, the OTP operating system receives an N-digit OTP generated by an OTP agent provided in the mobile phone 200 through a communication network, and is connected to the mobile phone 200 unique information generating the OTP. Identify OTP generation information and server-side OTP generation information, and combine (or link) the terminal-side OTP generation information and the server-side OTP generation information to configure OTP generation information for generating N-digit OTP '; And OTP authentication means 255 for generating an N-digit OTP 'through OTP generation information and comparing (or verifying) the N-digit OTP and OTP' to verify whether the received OTP is valid. It is characterized in that, the function of authenticating the OTP in the OTP authentication means 255 can be implemented in a separate OTP server 220, it is apparent that the present invention comprises all the inferable implementation method It is to be clarified.

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

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

When the OTP is received, the OTP authentication means 255 or the OTP server 220, the terminal-side OTP generation information and the server-side OTP connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 265 And generating OTP generation information for generating N-digit OTP 'by combining (or linking) the terminal-side OTP generation information and the server-side OTP generation information.

When the OTP generation information is configured, the OTP authentication means 255 or the OTP server 220 confirms one or more fixed seed values for generating the OTP 'from the checked OTP generation information, and the OTP One or more dynamic seed values are determined through parameters included in the generation information, and the one or more fixed seed values and the dynamic seed values are substituted into a predetermined OTP generation algorithm to generate N digits of 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. It is processed as not, and provides the OTP authentication result to one or more OTP authentication result receiving means of the OTP authentication request server 215, the user terminal 205, the mobile phone 200 that requires the OTP authentication result.

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

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

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

Referring to FIG. 3, when the OTP registration terminal accesses a server through a communication network and requests registration of the user's mobile phone 200 as an OTP medium (300), the server transmits the user information and the user to the OTP registration terminal. The OTP medium registration interface for inputting / registering OTP medium information including the unique information of the mobile phone 200 corresponding to the mobile phone 200 of the mobile phone 200, and correspondingly, the OTP registration terminal provides the OTP medium registration interface. The OTP medium information including the unique information and the customer information of the mobile phone 200 is input and configured to be transmitted 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 is included in the OTP generation information for generating N-digit OTP in the mobile phone 200 in the OTP medium M (M> (= 1) generates (or allocates) terminal-side OTP generation information and M server-side OTP generation information, and uniquely assigns M index values corresponding to the M-terminal OTP generation information and server-side OTP generation information. In operation 330, the OTP medium information, the M terminal-side OTP generation information, the server-side OTP generation information, and the index value that are allocated (or generated) are stored in the storage medium 265 in association with the OTP medium information (335).

According to the embodiment of the present invention, it is possible to allocate only one terminal side OTP generation information and server side OTP generation information in the server, in which 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) to be included in the corresponding OTP agent program code and OTP generation information for generating N-digit OTPs by the OTP agent among the allocated M terminal-side OTP generation information and index values. Terminal OTP generation information to the mobile phone 200 (350), and the mobile phone 200 provides the OTP agent to a recording medium (e.g., a program area of the USIM / memory unit) provided in the mobile phone 200. In operation 360, the m terminal-side OTP generation information and index values are connected to the OTP agent and stored in the USIM / memory unit provided in the mobile phone 200.

On the other hand, if the mobile phone 200 is equipped with an OTP agent (345), the server in the OTP generation information for generating N-digit OTP by the OTP agent of the M terminal-side OTP generation information and the index value assigned M (1 <= m <= M) terminal side OTP generation information and index values to be included are provided to the mobile phone 200 (355), and the mobile phone 200 generates the m terminal side OTP generation information and index values. It is connected to the OTP agent recorded in the recording medium (for example, the 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 O (N> = 2) digits in association with each other, and a person having ordinary skill 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, reads the unique information of the mobile phone 200 included in the received OTP medium authentication information, and authenticates the mobile phone 200 as an OTP medium (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, if the mobile phone 200 is authenticated as a valid OTP medium (435), the server is associated with the OTP medium information including the unique information of the mobile phone 200, M server-side OTP generation information stored in the storage medium 265 The server-side OTP generation information corresponding to the index value is checked (445), and the server transmits the server-side OTP generation information identified above to the mobile phone 200 through a communication channel (450). The mobile phone 200 generates (or associates) an N-digit OTP by combining (or linking) the terminal-side OTP generation information stored in the USIM / memory unit and the received server-side OTP generation information through the process illustrated in FIG. 3. Configure the OTP generation information (455), identify / determine one or more fixed seed values and dynamic seed values through the OTP generation information, and set the one or more fixed seed values and dynamic seed values Outputs by applying an algorithm to generate an OTP of N digits 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 with the OTP, and comparing (or verifying) the received N-digit OTP's and authenticating OTP validity, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to implement various implementation methods (e.g., some steps may be omitted or the order may be changed) for the OTP authentication process. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

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

Referring to FIG. 5, after the N-digit OTP is generated / output by the mobile phone 200 illustrated in FIG. 1 through the process illustrated in FIG. 4, the server may be configured as a user terminal illustrated in FIG. Receiving the N-digit OTP input through the OTP input interface output to the 205, or receives the generated N-digit OTP from the mobile phone 200 shown in Figure 1 (500), the storage medium ( 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). Otherwise, the terminal-side OTP generation information and the server-side OTP 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 number of OTP is received from the user terminal 205 according to another exemplary embodiment of the present invention, the unique information of the mobile phone 200 corresponding to the OTP medium is caller information corresponding to the mobile phone 200. Or from the server together with the N-digit OTP.

Thereafter, the server configures OTP generation information for generating an N-digit OTP 'including the terminal-side OTP generation information and the server-side OTP generation information (510), and the N-digit OTP' from the OTP generation information. Identify at least one fixed seed value for generating a value, determine at least one dynamic seed value through a parameter included in the OTP generation information, and generate a predetermined OTP based on the at least one fixed seed value and the dynamic seed value An N-digit OTP 'is generated by substituting the algorithm (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 the OTP authentication result corresponding to the OTP validity error, the preset OTP authentication result receiving means (for example, OTP authentication request server 215, user terminal 205, One or more of the mobile phones 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 authenticates with a valid OTP medium, if the server on the communication network provides server-side OTP generation information corresponding to the index value dynamically determined by the mobile phone, the mobile phone provides the index value. The OTP generation information is configured by combining the terminal-side OTP generation information corresponding to the received server-side OTP generation information, and the N-digit OTP is generated and output through the OTP generation information, thereby outputting to the mobile phone registered as a valid OTP medium. Only by N-digit OTP is generated and output, and there is an advantage to always satisfy the two-factor authentication (Two-Factor Authentication) conditions regardless of whether the mobile phone is used as a non-face-to-face transaction medium.

Claims (7)

Store OTP medium information including mobile phone unique information registered as OTP (One Time Password) medium in the storage medium, and generate at least one terminal-side OTP provided in the USIM (or memory) of the mobile phone registered as the OTP medium. Allocating a unique index value to at least one server-side OTP generation information to be provided to the mobile phone through information and a communication network and storing and maintaining the 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; The server compares (or verifies) the OTP medium information stored in the storage medium with the OTP medium authentication information to authenticate the mobile phone with an OTP medium that generates (or outputs) an N (N> = 2) digit OTP. step; When the mobile phone is authenticated as an OTP medium, checking, by the server, server-side OTP generation information matching the index value among one or more server-side OTP generation information for the OTP medium from the storage medium and transmitting the same to the mobile phone; Constructing OTP generation information by combining terminal-side OTP generation information included in a USIM (or memory) and the received server-side OTP generation information in the mobile phone; And And generating an N-digit OTP through the OTP generation information in the mobile phone. The method of claim 1, When the user terminal or the mobile phone transmits the N-digit OTP, the server checks and combines the terminal-side OTP generation information and the server-side OTP generation information matching the index value from the storage medium to configure the OTP generation information. step; Generating an N-digit OTP 'through the OTP generation information 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 The method of claim 1, The OTP medium authentication information, Characterized in that it further comprises a user password or user personal identification number, And the server further comprises authenticating the mobile phone with an OTP medium through the user password or user personal identification number. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. OTP medium information including mobile phone unique information registered as one time password (OTP) medium and terminal-side OTP generation information included in the USIM (or memory) of the mobile phone registered as the OTP medium and the communication network to be provided to the mobile phone. A storage medium for assigning and storing an index value unique to server-side OTP generation information; 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 that generates (or outputs) a (N> = 2) digit OTP; Information verification means for verifying server-side OTP generation information matching the index value among one or more server-side OTP generation information for the OTP medium from the storage medium when the mobile phone is authenticated with an OTP medium; And And information transmission means for transmitting the checked server-side OTP 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, the OTP generation information is configured by identifying and combining the terminal-side OTP generation information and the server-side OTP generation information matching the index value from the storage medium. OTP authentication means for generating an N-digit OTP 'through generation information, and comparing (or verifying) the received N-digit OTP with the generated N-digit OTP' to authenticate the validity of the N-digit OTP. OTP providing system through the index exchange, characterized in that further comprises. 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 server-side OTP generation information matching the index value according to the OTP medium authentication result from the server; An information constructing unit configured to combine the terminal-side OTP generation information matching the index value among the terminal-side OTP generation information stored in the USIM (or memory) and the received server-side OTP generation information to configure OTP generation information; An OTP generation unit for generating an O (N> = 2) digit OTP through the OTP generation information; And And an OTP output unit for outputting the N-digit OTP.

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