KR20100136332A - Ystem and method for mobile payment by using otp authentication otp by code completion mode for customer's media and recording medium - Google Patents

Abstract

PURPOSE: A mobile phone payment system using OTP(One Time Payment) authentication by a code completion mode for customer's media and a recording medium thereof are provided to generate and output an OTP for a mobile phone payment only through a mobile phone registered as a valid OTP medium. CONSTITUTION: An information reception unit(235) receives OTP medium authentication information, and the OTP medium authentication information requests the authentication of a mobile phone(200) as an OTP medium. A medium authentication unit(240) compares the OTP medium authentication information with the OTP medium information stored in a storage medium(265). The medium authentication unit authenticates the mobile phone as the OTP medium. If a user password or user personal identification number are received from the mobile phone, a user authentication unit(245) authenticates user validity for the mobile phone used as the OTP medium.

Description

Method and system for payment of mobile phone through OTP authentication of code completion system interworking with user media and recording medium for it {ystem and Method for Mobile Payment by Using OTP Authentication OTP by Code Completion Mode for Customer's Media and Recording Medium}

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

2 is a diagram illustrating a mobile phone OTP system configuration for authenticating mobile phone payment 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 a user media processing process according to an embodiment of the present invention.

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

7 is a diagram illustrating a configuration of an OTP-based mobile phone payment processing system according to an embodiment of the present invention.

8 is a diagram illustrating an OTP-based mobile phone payment process according to an embodiment of the present invention.

9 is a diagram illustrating an OTP-based mobile phone payment process according to another 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 123: user media

125: media reader 130: battery

135: wireless communication unit 140: USIM

145: USIM reader unit 150: memory unit

155: user media processing unit 160: user authentication unit

165: index processing unit 170: authentication processing unit

175: receiver 180: OTP generator

185: OTP combination section 190: OTP output section

According to the present invention, when a user terminal requests a mobile phone payment by inputting a mobile phone number, an OTP is received from the mobile phone by connecting a communication channel with the mobile phone of the user according to a mobile phone subscriber authentication result of the mobile phone number in a server on a communication network. It authenticates whether the mobile phone is a valid OTP medium through the media authentication information, and authenticates the user media owned by the user (including one or more of IC card, MS card, RF card, RF device, RFID, USB device). And generating OTP (Nn) of (Nn) digits out of N (N> = 2) digits OTP associated with user media information read from the user medium through the mobile phone according to the authentication result. When the information is provided to the mobile phone, the mobile phone generates n-digit OTP (n) of the N-digit OTP through OTP (n) generation information, and generates the OTP (Nn). After generating the (Nn) digit OTP (Nn) through the information, by combining the OTP (n) and OTP (Nn) to generate and output the N digit OTP, the user terminal (or mobile phone) the N When transmitting the digit OTP, it is to provide a method and system for approving the mobile phone payment through the validity authentication for the N digit OTP.

When the user inputs a mobile phone number and subscriber information through a user terminal and provides the mobile phone payment, after verifying that the customer is a valid subscriber of the telecommunication company through the mobile phone number and the subscriber information, a predetermined authentication number is determined according to the subscriber authentication result. After generating and transmitting to the user's mobile phone, if matched by comparing the authentication number received through the user terminal and the authentication number transmitted to the user's mobile phone, the payment is approved to the next month's communication fee of the user's mobile phone by approving it It is a payment method (application number: 10-2000-0020757).

However, personal information leakage incidents occur infrequently, and the leaked personal information is openly traded (or disclosed) through the Internet, and the number of lost mobile phones occurs an average of 200,000 or more per month (December 24, 2003) ) Has a problem that anyone who acquires or duplicates another person's mobile phone can be authorized to pay for the mobile phone using the leaked personal information.

In particular, although the mobile phone payment approval is made in real time, the settlement of the payment amount on average within 45 days after the approval of the payment, due to the characteristics of the mobile phone payment, the damage occurs using the acquired / duplicated mobile phone and leaked personal information, The damage is expected to reach astronomical figures.

An object of the present invention for solving the above problems is to approve mobile phone payment using OTP, but the information required for generating the OTP in the Universal Subscriber Identity Module (USIM) or memory area of the mobile phone provided in the user's mobile phone Store only a portion, and whenever the OTP is generated, authenticate the mobile phone as a valid OTP medium, and at least one of user media owned by the user (e.g. IC card, MS card, RF card, RF device, RFID, USB device) And the mobile phone user is a valid user.

Another object of the present invention, when paying for a mobile phone using OTP, of the N (N> = 2) digits of the OTP associated with the user media information read from the user medium through the mobile phone in the server on the communication network according to the authentication result When OTP (Nn) generation information for generating (Nn) digits OTP (Nn) is provided to the mobile phone, the OTP (n) of n digits of the N digits OTP is generated through the OTP (n) generation information in the mobile phone. After generating and generating (Nn) digit OTP (Nn) through the OTP (Nn) generation information, by combining the OTP (n) and OTP (Nn) to generate and output the N digit OTP, valid OTP Only the mobile phone registered as a medium is to generate and output an N-digit OTP for mobile phone payment.

Mobile phone payment method through OTP authentication of the code completion method interworking with the user media according to the present invention, the unique information of the mobile phone registered as OTP (One Time Password) medium in the server and the user-owned user medium-IC card, MS OTP media information including user media information read from a card, an RF card, an RF device, an RFID, or a USB device, and n-digit OTP (n) of N (N> = 2) -digit OTPs. Storing and maintaining the OTP (n) generation information for generating an OTP (Nn) generation information for generating an OTP (Nn) of digits in a storage medium, and moving from a user terminal requesting a mobile phone payment using OTP. When the carrier selection information, the user's mobile phone number and the user's social security number information are received, the USIM of the mobile phone is connected to the user's mobile phone by connecting a communication channel with the user's mobile phone according to a mobile phone subscriber authentication result through the mobile communication company. Receiving OTP medium authentication information, including the unique mobile phone information stored in the memory and the user medium information read from the user medium, and comparing the OTP medium authentication information and the OTP medium authentication information stored in the storage medium in the server (Or verifying operation) authenticating the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP; and when authenticating the mobile phone with an OTP medium, the server is associated with the user medium from the storage medium. Checking and transmitting OTP (Nn) generation information to the mobile phone; and if the user terminal or the mobile phone transmits the N-digit OTP, a server generates OTP (n) associated with the user medium from the storage medium. Generating OTP (n) and OTP (Nn) by checking information and OTP (Nn) generation information, and combining the OTP (n) and OTP (Nn) at the server, Generating a number of OTP's and comparing (or verifying) the received N-digit OTP's with the generated N-digit OTP's to authenticate the validity of the N-digit OTP's Characterized in that it comprises the step of approving.

The method may further include including a code value corresponding to the user medium information in the information for generating the N-digit OTP.

The method may further include constructing and transmitting OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and user media information read from the user medium to a server on a communication network, and the OTP (Nn) in the server. When generating and transmitting the generated information, the mobile phone checks the OTP (n) generation information from the USIM (or memory) to generate OTP (n), and generates OTP (Nn) through the OTP (Nn) generation information. And generating an N-digit OTP by combining the OTP (n) and the OTP (Nn) in the mobile phone.

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 authenticates the mobile phone to the OTP medium through the user password or user personal identification number Characterized in that further comprises a step.

The present invention includes a computer-readable recording medium characterized by recording a program for executing a mobile phone payment method through the OTP authentication of the code completion method linked to the above-described user medium.

Mobile phone payment system through OTP authentication of the code completion method interworking with the user medium according to the present invention, the unique information registered on the mobile phone as OTP (One Time Password) medium and the user-owned user medium-IC card, MS card, OTP media information including user media information read from an RF card, RF device, RFID, USB device, and the like, and n-digit OTP (n) of N (N> = 2) -digit OTPs are generated. A storage medium for storing OTP (n) generation information and OTP (Nn) generation information for generating (Nn) digits, and a carrier selection information and a user's mobile phone from a user terminal requesting a mobile phone payment using OTP When the number and the user social security number information are received, the mobile phone stored in the USIM (or memory) of the mobile phone by connecting a communication channel with the mobile phone of the user according to the mobile phone subscriber authentication result through the mobile communication company Information receiving means for receiving OTP medium authentication information including identification information and user medium information read from the user medium, and comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information. A medium authentication means for authenticating a mobile phone with an OTP medium that generates (or outputs) an N-digit OTP, and when authenticating the mobile phone with an OTP medium, confirming OTP (Nn) generation information associated with the user medium from the storage medium; Information confirming means, information transmitting means for transmitting the confirmed OTP (Nn) generation information to the mobile phone, and when the N-digit OTP is received from the user terminal or the mobile phone, the OTP (n) generation information and the OTP. (n) OTP authentication means for authenticating the validity of the N-digit OTP by generating N-digit OTP 'through the generation information and the result of the N-digit OTP validity authentication. D) a payment processing means for approving the mobile phone payment.

The OTP authentication means checks OTP (n) generation information and OTP (Nn) generation information associated with the user medium from the storage medium, and generates and combines OTP (n) and OTP (Nn) by N digits. Generate OTP ', and compare (or verify operation) the received N-digit OTP and the generated N-digit OTP' to verify the validity of the N-digit OTP.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

In more detail, in FIG. 1, a mobile phone 100 providing data communication by accessing a mobile communication network generates an OTP (One Time Password) for authenticating the payment of the mobile phone 100 by the mobile phone 100 through the mobile communication network. After authenticating that the OTP medium is provided by the OTP agent, the mobile phone 100 has a function of generating an N (N> = 2) digits OTP for authenticating the payment of the mobile phone 100 through the OTP agent As one embodiment, a person of ordinary skill in the art to which the present invention pertains refers to a radio 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. In a communication terminal (eg, a mobile Internet terminal, etc.), an implementation method having a function of generating an N-digit OTP for authenticating payment of the mobile phone 100 may be inferred. Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 1.

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 130, 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 output transmission signal from being reversed. RF / IF SAW filter for removing unwanted out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and VCTCXO (Voltag) e Controlled Temperature Compensated X-tal Oscillator), a UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. Elements are gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, the modem chip is also integrated with various functions for various multimedia services or various additional services.

Referring to FIG. 1, the mobile phone 100 includes a control unit 105 corresponding to the modem chip, a screen output unit 110 corresponding to a liquid crystal display (LCD), and a structure corresponding to the component. A sound processor 115 corresponding to a microphone / speaker, a key input unit 120 corresponding to a keypad, a wireless communication unit 135 corresponding to an antenna and various RF modules, and a memory unit 150 corresponding to a nonvolatile memory. And a Universal Subscriber Identity Module (USIM 140) corresponding to an IC (Integrated Circuit) chip storing universal subscriber identification information, and a USIM reader unit for reading / writing information (or data) to the USIM 140 ( 145) and a battery 130 for supplying power to the user from a user medium 123 corresponding to any one of an IC card, an MS card, an RF card, an RF device, an RFID device, and a USB device. Uniquely assigned card information, device information, RFID information And a media reader 125 for reading user media 123 information corresponding to any one of the USB information.

According to an exemplary embodiment of the present invention, the user medium 123 information read from the user medium 123 may be configured to drive an OTP agent provided in the mobile phone 100 or to authenticate the generation of an OTP in the OTP agent. OTP generation information used as OTP driving information, included in OTP medium authentication information transmitted by an OTP agent provided in the mobile phone 100 to a server on a communication network, or generated by the OTP agent provided in the mobile phone 100. Or as one or more of those used as seed values of the OTP (n) generation information.

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, and from the memory unit 150 or a memory device (or chipset) to the execution memory in software Mobile phone 100 for a function of generating a N-digit OTP for authenticating the payment of the program routine or program data that is loaded and computed through the processor to perform a specific function. For convenience, the program routine component corresponding to the OTP agent recorded on the recording medium of the control unit 105 is The program routine included in the controller 105 is basically an operating system routine (not shown) and one or more system management routines (eg, a power management routine, a channel (forward / reverse)). Management routine, 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. Or a vocoder and a codec for encoding or encoding a sound signal input through a microphone provided in the mobile phone 100.

According to an exemplary embodiment of the present invention, the sound processor 115 decodes sound data corresponding to a ring back tone through the speaker in an operation mode corresponding to the “system access state” of each operation mode of the mobile phone 100. The audio signal may be encoded or input through a microphone in an operation mode corresponding to the "call channel state", or the audio signal may be decoded and output through a speaker.

In addition, the sound processing unit 115 is reproduced when playing one or more sound content or multimedia content provided (or downloaded) in the mobile phone 100 in one or more operation modes including the "mobile station call waiting state." It is preferable to decode and output sound data corresponding to the content.

The key input unit 120 includes a key input device having one or more key buttons including a number key, a character key, or a function key, and the key input device. And at least one key input signal generated by clicking (or entering) the key button in the key input device.

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

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

In addition, the key input unit 120 inputs a function key (for example, a menu key) in the operation mode corresponding to the "mobile station call waiting state" of each operation mode of the mobile phone 100, thereby inputting the mobile phone 100. It is desirable to execute the various functions provided.

According to an embodiment of the present invention, the key input unit 120 preferably performs a function of key input means for inputting one or more key data corresponding to the function of generating the N-digit OTP.

The medium reader unit 125 is set as card information (or user medium 123) information corresponding to the user medium 123 information from a user medium 123 corresponding to a contactless IC card or a contact IC card. IC card reader section for reading the code information recorded in the memory of the card, from the user medium 123 corresponding to the MS card to the card information (or user medium 123 information) corresponding to the user medium 123 information. An MS card reader unit for reading the digit information recorded on the track of the MS card, and the card information (or user medium 123) corresponding to the user medium 123 information from the user medium 123 corresponding to the RF card. RF card reader unit which is set as information and reads code information recorded in the memory of the RF card; RFID information (or use) corresponding to the user medium 123 information from the user medium 123 corresponding to RFID RF card reader unit which reads the code information recorded in the memory of the RFID, set as the medium 123 information, and the USB device information corresponding to the user medium 123 information from the user medium 123 corresponding to the USB device. (Or at least one of a USB reader unit configured to read the code information recorded in the memory of the USB device) which is set as the user medium 123 information, and the user medium 123 according to the intention of a person skilled in the art. ) And the configuration of the user medium 123 information read from the user medium 123 may be variously modified. The present invention records information usable as the user medium 123 information and records the user. Obviously, all the media that transmits the media 123 information to the mobile phone 100 through the media reader 125 can be used as the user media 123. The.

The wireless communication unit 135 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 (eg, 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 slot mode, power control, or hand-off corresponding to each operation mode of the mobile phone 100 in connection with the control unit 105. off) or call processing procedure.

According to another embodiment of the present invention, if the mobile phone 100 shown in FIG. 1 is a mobile Internet terminal, the wireless communication unit 135 connects to the IEEE 802.16x-based mobile Internet to provide a wireless communication function configuration. 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 135 It is clear that no.

The USIM reader unit 145 is a functional component that exchanges one or more information (or data or command) with the USIM 140 mounted or detached to the mobile phone 100 through a standard including ISO / IEC 7816. And a contact type IC card reader corresponding to the ISO / IEC 7816 standard, wherein the IC card reader has one or more information (or data) with the USIM 140 through an application protocol data unit (APDU). , Or command).

The USIM 140 mounted on or detached from the mobile phone 100 is an IC chip conforming to the ISO / IEC 7816 standard. Referring to the ISO / IEC 7816 standard, the USIM 140 includes a power supply (VCC), Communicating (e.g., command or data exchange) with the USIM reader 145 through contact points such as reset signal RST, clock signal CLK, ground GND, programming power supply (VPP), input / output (I / O), and the like. 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 145 through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory is loaded into the execution memory. And control the overall operation of the USIM 140 and communicate with the USIM 140 through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. Controls information or data exchange between the USIM reader unit 145.

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

According to an embodiment of the present invention, the storage unit of the OTP applet, m (m) for generating the OTP (n) of n (1 <= n <N) digits of the N-digit OTP in the mobile phone 100 It is preferable to store = 1) OTP (n) generation information in association with m index values, respectively.

The OTP (n) generation information may correspond to an OTP generation algorithm (eg, an algorithm for generating a code value of a predetermined digit through one or more seed values) and an OTP generation scheme in an OTP agent provided in the mobile phone 100. Therefore, it is desirable to include one or more fixed seed values used to generate n digit OTP (n), and a parameter for determining the dynamic seed value.

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

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

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

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

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

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

According to an embodiment of the present invention, the USIM 140 may be provided with a function of generating the n-digit OTP (n) through the OTP (n) generation information, in which case the processing unit of the OTP applet At least one fixed seed value for generating the n-digit OTP (n) through OPT generation information stored in the storage unit after user authentication through a user password or a user personal identification number input through the mobile phone 100. And program code for identifying / determining the dynamic seed value and generating the n-digit OTP (n) by substituting the identified / determined one or more fixed seed values and dynamic seed values into the set OTP algorithm. Do.

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 the person skilled in the art, the unique information of the mobile phone 100 and the IC are stored in a fixed storage area of the USIM 140 memory in addition to the storage of the OTP applet. Chip information may be included.

The unique information of the mobile phone 100 provided in the USIM 140 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, in a fixed storage area of the USIM 140 memory. It may include one or more IC chip serial numbers constituting an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), and the USIM 140, or the mobile phone 100 may generate the N-digit OTP. It is preferred to include a separate OTP medium identifier (eg, non-overlapping code value) or USIM 140 identifier registered to authenticate that the OTP agent is equipped with an OTP medium.

According to an embodiment of the present invention, when reading the user medium 123 information from the user medium 123, the storage unit of the OTP applet stores the user medium 123 information read from the user medium 123. Or to derive a specific value through user media 123 authentication information (for example, the user media 123 information and a predetermined verification operation) for authenticating user media 123 information read from the user media 123. Information), and when the user medium 123 information corresponding to the OTP agent driving information is read from the user medium 123 through the media reader 125, the processing unit of the OTP applet And providing the user medium 123 information (or user medium 123 authentication information) stored in the storage unit to the mobile phone 100 to set the user medium 123 in the mobile phone 100. Or to receive the user medium 123 information from the mobile phone 100, and to receive the user medium 123 information and the stored user medium 123 information (or user medium 123 authentication information). It is desirable to have a function of processing (or verify operation) to the validity of the user medium 123 is authenticated.

According to an embodiment of the present invention, when the user medium 123 information is used as driving OTP agent provided in the mobile phone 100 or as OTP driving information for authenticating that the OTP agent generates the OTP, When the validity of the user medium 123 is authenticated, it is preferable that the OTP agent is started, or it is started (or authenticated) to generate an OTP for [OTP purpose] in the OTP agent.

Alternatively, when the user medium 123 information is included in OTP medium authentication information transmitted by an OTP agent provided in the mobile phone 100 to a server on a communication network, when the validity of the user medium 123 is authenticated, the user medium (123) It is preferable to include the information in the OTP medium authentication information transmitted to the server on the communication network, if the validity of the user medium 123 information in the server on the communication network, through the USIM (140) Authentication of the validity of the user medium 123 may be omitted.

Alternatively, when the user medium 123 information is used as a seed value of OTP generation information or OTP (n) generation information for generating an OTP by an OTP agent provided in the mobile phone 100, the validity of the user medium 123 is valid. When the user medium 123 is authenticated, the user medium 123 information is preferably used as a fixed seed value (or a part of the fixed seed value) constituting the OTP generation information or OTP (n) generation information. When the information does not include a code structure to be used as the fixed seed value, the processing unit of the OTP applet further includes a function of processing the user medium 123 information into the fixed seed value through a predetermined hash function. It is possible.

According to an embodiment of the present invention, the memory of the USIM 140 is divided into a subscriber information area having a fixed memory address and an application area having a directory file (EFdir) structure, and the application area is based on ISO / IEC 10202. And a security structure, wherein the memory includes a protected area in which secret information such as a chip serial number (CSN) is stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT. (File Allocation Table) A management area and the like, and the OTP applet is preferably stored in a separate designated storage area except the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 standard, the application area of the memory has a function of one master file (MF) corresponding to a root file and one or more stored information under the master file. Answer To Reset (ATR) containing information, one or more dedicated files (DFs) corresponding to each ICC stored information, and substantive information or data disposed under the dedicated files and for smart card services. Includes a file structure consisting of the included element file (EF), the OTP applet also includes the file structure as described above.

The memory unit 150 is a generic term for a nonvolatile memory corresponding to a storage medium for 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 150 stores m (m> = 1) OTP (n) generation information for generating the N-digit OTP in the mobile phone 100 and m index values. It is preferable to store the information in association with each other. When the user medium 123 information is available as the OTP (n) generation information, it may be omitted that the OTP (n) generation information is stored in the memory unit 150.

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

The index value is set so that the OTP (n) generation information stored in the memory unit 150 and the M (M> = m) OTP (n) generation information provided in the server on the communication network are not duplicated for one-to-one matching. (n) A value uniquely assigned to each generation information, in which the OTP (n) generation information stored in the memory unit 150 and the OTP (n) generation information included in the server on the communication network are associated with the same index value. It is preferred to include a seed value and a parameter for determining the dynamic seed value.

According to another exemplary embodiment of the present invention, when one piece of OTP (n) generation information is stored in the memory unit 150, 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 150 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 150 is one or more mobile phones registered with 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 150 may include a mobile identification number (MIN) and a serial number stored in a predetermined system area of the memory unit 150 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).

According to the exemplary embodiment of the present invention, when reading the user medium 123 information from the user medium 123, the memory unit 150 reads the user medium 123 information read from the user medium 123. User media 123 authentication information for storing or authenticating user media 123 information read from the user media 123 (eg, the user medium 123 information and a predetermined value through a preset verification operation). Deriving information), and when the user medium 123 information corresponding to the OTP agent driving information is read from the user medium 123 through the medium reader unit 125, the OTP agent (or The OTP agent driving program) compares (or verifies) the stored user medium 123 information (or user medium 123 authentication information) to verify the validity of the user medium 123. To a function of the lock handle it is preferred.

According to an embodiment of the present invention, when the user medium 123 information is used as driving OTP agent provided in the mobile phone 100 or as OTP driving information for authenticating that the OTP agent generates the OTP, If the validity of the user medium 123 is authenticated, the OTP agent is driven by an OTP agent driving program, or the OTP agent is started (or authenticated) to generate an OTP for [OTP purpose] in the OTP agent. desirable.

Alternatively, when the user medium 123 information is included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to the server on the communication network, when the validity of the user medium 123 is authenticated, the OTP agent It is preferable to include the user medium 123 information in the OTP medium authentication information transmitted to the server on the communication network, if the validity of the user medium 123 information in the server on the communication network, the USIM (140) Authentication of the validity of the user medium 123 may be omitted.

Alternatively, when the user medium 123 information is used as a seed value of OTP generation information or OTP (n) generation information for generating an OTP by an OTP agent provided in the mobile phone 100, the validity of the user medium 123 is valid. When the user medium 123 is authenticated, the user medium 123 information is preferably used as a fixed seed value (or a part of the fixed seed value) constituting the OTP generation information or OTP (n) generation information. When the information does not include a code structure to be used as the fixed seed value, the OTP agent (or processing unit of the OTP applet) may process the user medium 123 information into the fixed seed value through a predetermined hash function. It is possible to further provide.

Referring to FIG. 1, the mobile phone 100 reads user media 123 information from the user media 123 through the media reader 125 and through the read user media 123 information. The OTP agent provided in the mobile phone 100 is processed or processed to be used as OTP driving information for authenticating the OTP generation by the OTP agent, or the OTP agent provided in the mobile phone 100 is a server on a communication network. User media processing unit for processing to be included in the OTP medium authentication information to be transmitted to, or to be used as a seed value of the OTP generation information or OTP (n) generation information to generate the OTP OTP agent provided in the mobile phone 100 It is characterized in that it comprises a (155).

The user media processing unit 155 outputs a user medium 123 interface for requesting to read preset user media 123 information from the user medium 123 through the screen output unit 110, and the media reader unit. Card information, device information, RFID information, and USB information uniquely assigned to the user from the user medium 123 corresponding to any one of the IC card, the MS card, the RF card, the RF device, the RFID, and the USB device through the 125. Check whether the user medium 123 information corresponding to any one of the read information is read.

When the user medium 123 information drives the OTP agent provided in the mobile phone 100 according to an exemplary embodiment of the present invention, the predetermined user medium 123 information is read through the media reader 125. When the user medium processing unit 155 is connected to the user medium 123 information through the user medium 123 information (or user medium 123 authentication information) stored in the USIM 140 / memory unit 150. When the validity is checked and the validity of the user medium 123 is confirmed, the OTP agent provided in the mobile phone 100 is driven. In this case, the user media processing unit 155 drives the OTP agent. It is desirable to perform the function of the OTP agent running program.

Alternatively, when the user medium 123 information is used as OTP driving information for authenticating the generation of OTP by the OTP agent, when the predetermined user medium 123 information is read through the media reader 125, The user media processing unit 155 validates the validity of the user media 123 information through the user media 123 information (or user media 123 authentication information) stored in the USIM 140 / memory unit 150. And confirming the validity of the user medium 123 as a user authentication result for generating an N-digit OTP for authenticating payment of the mobile phone 100 or N for authenticating payment of the mobile phone 100. It is preferable to use it as a result of OTP generation validity for generating digit OTP.

According to another exemplary embodiment of the present invention, when the user medium 123 information is included in OTP medium authentication information transmitted by an OTP agent provided in the mobile phone 100 to a server on a communication network, the medium reader unit 125 When preset user media 123 information is read through the user media processing unit 155, the user media processing unit 155 processes the user media 123 information read through the media reader unit 125 to be included in the OTP medium authentication information. Preferably, the user medium 123 information (or user medium (1) stored in the USIM 140 / memory 150 before including the user medium 123 information in the OTP medium authentication information according to the intention of the person skilled in the art. 123) authentication information) is preferably further provided with a function for checking the validity of the user medium (123) information, and processing the validity of the user medium (123) to a server on a communication network. Wu be omitted.

According to another exemplary embodiment of the present invention, when the user medium 123 information is used as a seed value of OTP generation information or OTP (n) generation information that an OTP agent provided in the mobile phone 100 generates OTP, When preset user media 123 information is read through the media reader 125, the user media processing unit 155 generates the OTP information of the user media 123 read through the media reader 125. And a code structure in which the user medium 123 information uses the information as the seed value of the OTP generation information or the OTP (n) generation information. If not included, it is preferable to process the user medium 123 information into a code structure corresponding to the seed value of the OTP generation information or OTP (n) generation information. The user medium processing unit 155 may use the USIM 140 / memory unit 150 before using the user medium 123 information as a seed value of the OTP generation information or OTP (n) generation information according to the intention of a person skilled in the art. It is possible to further include a function of checking the validity of the user medium 123 information through the user medium 123 information (or user medium 123 authentication information) stored in the.

Referring to FIG. 1, the mobile phone 100 includes a user authentication unit 160 that processes user authentication for generating an N-digit OTP for authenticating payment of the mobile phone 100. .

A dedicated key button for requesting to generate an N-digit OTP for authenticating the payment of the mobile phone 100 is input through a key input unit provided in the mobile phone 100, or the N-digit number through a preset menu selection. When the user is requested to generate an OTP or an OTP generation command (or OTP agent driving command) is received through the mobile communication network, the user authentication unit 160 uses the screen output unit 110 to authenticate a user. Outputs a user authentication interface for inputting a password or user identification number, and if a user password or user identification number is input through the user authentication interface, a digit OTP is generated through the input user password or user identification number. Characterized in that for processing the user authentication for validating the user medium 123 If the check result is used as a user verification result to generate the OTP of the N digits, it is possible to omit the user authentication unit 160 authenticates the user validate through the user password or the user PIN.

When the user authentication function for generating the N-digit OTP is provided in the USIM 140 according to one embodiment of the present invention, the user authentication unit 160 inputs the input through the USIM reader unit 145. The user password or the user personal identification number to the USIM 140, the PIN authentication function provided in the USIM 140 or to 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, and reading the user authentication result it is preferable to check whether the user validity for generating the N-digit OTP in the mobile phone 100 is authenticated.

According to another exemplary embodiment of the present invention, when the user authentication function for generating the N-digit OTP is provided in the memory unit 150, the user authentication unit 160 has the user password or the user personal identification number. When input, decrypts the stored user password or user personal identification number encrypted in the memory unit 150 according to a predetermined decryption procedure, and inputs 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 may store information on any one OTP (n) generation information to be used to generate an OTP among m pieces of OTP (n) generation information stored in the USIM 140 / memory unit 150. And an index processor 165 for determining a corresponding index value and processing the index value to be transmitted to a server on a communication network which transmits OTP (Nn) generation information to the mobile phone 100.

According to the exemplary embodiment of the present invention, the index processing unit 165 determines any index value among index values associated with m OTP (n) generation information stored in the USIM 140 / memory unit 150 or Determining an index value according to a preset order, or arbitrarily determining any 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. It is preferable.

When an index value of any one of the index values associated with m OTP (n) generation information stored in the USIM 140 / memory unit 150 is determined, the index processing unit 165 determines that the determined index value is an OTP medium. It is included in the authentication information and processed to be transmitted to a server on a communication network that transmits OTP (Nn) generation information to the mobile phone 100, or after the mobile phone 100 is authenticated as an OTP medium, a communication channel with a server on the communication network is established. And the determined index value is transmitted to the server on the communication network through the communication channel.

According to another exemplary embodiment of the present invention, when the index value is not included in the USIM 140 / memory unit 150 and one OTP (n) generation information is stored, the index processor 165 determines the index value. Alternatively, processing to transmit the index value to the server may be omitted, and the present invention is not limited thereto.

Referring to FIG. 1, the mobile phone 100 authenticates the mobile phone 100 by the mobile phone 100 through the mobile communication network to generate an N-digit OTP for authenticating the mobile phone 100 payment. Characterized in that it comprises an authentication processing unit 170 for authenticating that the OTP agent is provided with an OTP medium.

If the user authentication for generating the N-digit OTP is valid in the mobile phone 100 by the user authentication unit 160, the authentication processing unit 170 is the USIM 140 / memory unit 150 OTP agent for verifying the unique information provided in the mobile phone 100, the OTP medium authentication information including the unique information of the mobile phone 100 to the mobile phone 100 to authenticate the mobile phone 100 payment Characterized in that the transmission to the server on the communication network to authenticate that the provided OTP medium.

According to the exemplary embodiment of the present invention, even if the index value is not stored in the USIM 140 / memory unit 150 or the index value is stored in the USIM 140 / memory unit 150, the index processing unit 165 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 140 / memory unit 150 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 the unique information and the index value, and preferably, the user password or user personal identification number is further included according to the intention of the person skilled in the art.

If the user medium 123 information is included in the OTP medium authentication information, the OTP medium authentication information includes the mobile phone 100 unique information and the user medium 123 information. Alternatively, a user password or a user identification number may be included in the OTP medium authentication information according to the intention of the 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 170 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, and the media verifier and the index value. 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 170 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, and the generated media verifier and the user password or user personal identification number. , OTP medium authentication information including at least one random number information, the mobile phone 100 unique information can be generated.

According to another exemplary embodiment of the present invention, the OTP medium authentication information may be generated by the processing unit of the OTP applet provided in the USIM 140 through any one of the various methods as described above.

If the USIM 140 is provided with the mobile phone 100 unique information, and the processing unit of the OTP applet generates the OTP medium authentication information, the processing unit of the OTP applet includes the mobile phone 100 unique information Generating OTP medium authentication information or generating the OTP medium authentication information through a user password or a user personal identification number provided to the USIM 140 by the user authentication unit 160 and the mobile phone 100 unique information, It is possible to transfer the generated OTP medium authentication information to the authentication processing unit 170, it is also possible to encrypt the OTP medium authentication information in the USIM (140) according to the intention of those skilled in the art.

Alternatively, when the unique information of the mobile phone 100 is provided in the memory unit 150 and the processing unit of the OTP applet generates the OTP medium authentication information, the authentication processing unit 170 unique information of the mobile phone 100. When transmitting to the USIM 140, the processing unit of the OTP applet generates OTP medium authentication information including the unique information of the mobile phone 100, or by the user authentication unit 160 to the USIM 140 It is possible to generate the OTP medium authentication information through the provided user password or user personal identification number and the unique information of the mobile phone 100, and transfer the generated OTP medium authentication information to the authentication processing unit 170, which is intended by those skilled in the art. Accordingly, the USIM 140 may encrypt the OTP medium authentication information.

When OTP medium authentication information including unique information of the mobile phone 100 is generated, the authentication processor 170 authenticates the mobile phone 100 with an OTP medium provided with an OTP agent for authenticating the payment of the mobile phone 100. Check the server information on the communication network, and transmit the generated OTP medium authentication information to the server on the communication network through the wireless communication unit 135 according to a secure communication session established with the server on the communication network. The server on the receiving side receives the OTP medium authentication information (decryption when encrypted), and authenticates the mobile phone 100 unique information included in the received OTP medium authentication information and the mobile phone 100 payment of the mobile phone 100 The mobile phone 100 is connected to the mobile phone 100 by comparing (or verifying) the unique information of the mobile phone 100 registered to authenticate with an OTP medium equipped with an OTP agent. A characterized in that the authentication by the media provided with the OTP OTP agent for authentication.

If the OTP medium authentication information further comprises a user password or a user identification number, the server on the network is provided with a user authentication function through the user password or user identification number, or the user password or user identification number Is used as a condition that the server on the communication network provides the OTP (Nn) generation information to the mobile phone 100, the server on the communication network is a user password or user identification number and the mobile phone included in the OTP medium authentication information (100) comparing the registered user password or user personal identification number (or verification operation) in association with the unique information to process the user authentication, or to provide OTP (Nn) generation information to the mobile phone 100 It is desirable to check the validity.

When the server on the communication network authenticates the mobile phone 100 with an OTP medium equipped with an OTP agent for authenticating payment of the mobile phone 100 (or authenticates the mobile phone 100 with the provided OTP medium and authenticates the user. If further processed), the server on the communication network is one or more fixed seed value for generating OTP (Nn) generation information associated with the unique information of the mobile phone 100 (that is, (Nn) digits OTP (Nn) and Information including parameters).

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

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

Referring to FIG. 1, the mobile phone 100 receives OTP (Nn) generation information for generating the (Nn) digit OTP (Nn) to generate the N digit OTP through the mobile communication network. It is characterized by comprising a receiving unit 175.

The OTP (Nn) is generated in the server on the network by being authenticated with an OTP medium equipped with an OTP agent for generating the N-digit OTP for authenticating the payment of the mobile phone 100 in the server on the communication network. Upon checking and transmitting the information, the receiving unit 175 receives OTP (Nn) generation information for generating the (Nn) digit OTP (Nn) through the wireless communication unit 135, When the OTP (Nn) generation information is encrypted, the OTP (Nn) generation information may be decrypted according to a predetermined decryption procedure.

Referring to FIG. 1, the mobile phone 100 uses an OTP (n) for generating n-digit OTP (n) from the USIM 140 / memory unit 150 based on the user authentication result or OTP medium authentication result. n) confirming / determining generation information, identifying / determining one or more fixed seed values and dynamic seed values for generating the OTP (n) from the identified OTP (n) generation information, A value for generating an N-digit OTP (n) by assigning a value and a dynamic seed value to a preset OTP generation algorithm, and generating the (Nn) -digit OTP (Nn) from the received OTP (Nn) generation information. OTP generation for identifying / determining the above fixed seed value and dynamic seed value and generating (Nn) digit OTP (Nn) by substituting the at least one fixed seed value and dynamic seed value into a preset OTP generation algorithm. With a portion 180 It is characterized by being carried.

When the user authentication is processed by the user authentication unit 160 as valid or the OTP medium authentication is processed by the authentication processing unit 170, the OTP generation unit 180 performs the USIM 140. Check the OTP (n) generation information for generating the n-digit OTP (n) constituting the N-digit OTP from the memory unit 150, and convert the user medium 123 information into the OTP (n) generation information. If included, it is included in the checked OTP (n) generation information. If the user medium 123 information is directly used as OTP (n) generation information, the OTP generation unit 180 confirms the OTP (n) generation information from the USIM 140 / memory unit 150. Can be omitted.

If OTP (n) generation information for generating the n-digit OTP (n) is confirmed, the OTP generation unit 180 checks one or more fixed seed values included in the OTP (n) generation information, One or more dynamic seed values are determined through the parameters included in the OTP (n) generation information, and the at least one fixed seed value and the dynamic seed value are substituted into a predetermined OTP generation algorithm by assigning one or more fixed seed values and dynamic seed values. ) Is generated.

In addition, when the OTP (Nn) generation information is received through the reception unit 175, the OTP generation unit 180 generates the (Nn) digit OTP (Nn) from the received OTP (Nn) generation information. Identify / determine one or more fixed seed values and dynamic seed values, and substitute the identified / determined one or more fixed seed values and dynamic seed values into a preset OTP generation algorithm to generate (Nn) digit OTP (Nn). Characterized in that.

Referring to FIG. 1, when the n-digit OTP (n) and the (Nn) -digit OTP (Nn) are generated through the OTP generation unit 180, the mobile phone 100 generates the n-digit OTP ( The OTP combining unit 185 for generating an O (N> = 2) digit OTP by combining n) and (Nn) digit OTPs (Nn) and the generated N digit OTP on the screen output unit 110. And an OTP output unit 190 for outputting through the same. When the mobile communication apparatus 100 is provided with a near field communication unit (not shown), the OTP output unit 190 is the near field communication unit. It is possible to output the generated N-digit OTP to the mobile phone 100 and the terminal (or device) located in the near.

When the n-digit OTP (n) is generated through the OTP generating unit 180 and the (Nn) -digit OTP (Nn) is received, the OTP combination unit 185 performs the n-digit OTP (n). ) Is combined with the (Nn) digit OTP (Nn) to generate an N (N> = 2) digit OTP.

According to the exemplary embodiment of the present invention, the OTP combination unit 185 preferably generates an N-digit OTP by concatenating the OTP (n) and the OTP (N-n).

For example, when the OTP (n) is "123" and the OTP (Nn) is "456", the OTP combination unit 185 connects the OTP (n) and the OTP (Nn) to connect OTP "123456". It is desirable to produce.

According to another exemplary embodiment of the present invention, the OTP combining unit 185 generates an N-digit OTP by performing an XOR operation on the OTP (n) and the OTP (Nn), or the OTP (n) and OTP (Nn). If the seat position is specified, it is preferable that the OTP combination unit 185 generates the N-digit OTP by inserting the corresponding code into the seat positions of the OTP (n) and the OTP (Nn).

For example, if the OTP (n) is "103050" and the OTP (Nn) is "020406", the OTP combination unit 185 performs an XOR operation on the OTP (n) and the OTP (Nn) to perform OTP "123456". It is desirable to produce ".

Alternatively, when the OTP (n) is "1? 3? 5?" And the OTP (Nn) is "? 2? 4? 6", the OTP combination unit 185 is configured to connect the OTP (n) and OTP ( It is preferable to generate the OTP "123456" by inserting each code in place of Nn).

According to another exemplary embodiment of the present invention, the OTP combination unit 185 substitutes the OTP (n) and OTP (Nn) for at least one code generation function (eg, a hash function, etc.) to N-digit OTP. Preferably, the present invention is not limited to the code generation function type and algorithm.

When the N-digit OTP is generated by combining the OTP (n) and the OTP (Nn), the OTP output unit 190 links the N-digit OTP generated in combination with the screen output unit 110 to the mobile phone. (100) Characterized in that the output to a predetermined area on the screen.

According to an exemplary embodiment of the present invention, the OTP output unit 190 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 190 outputs (or allocates) an OTP output area to a screen area currently output on the screen of the mobile phone 100 in association with the screen output unit 110. Preferably, the generated N-digit OTP is output to the OTP output region.

If the mobile phone 100 is provided with short-range communication means (eg, Bluetooth, infrared communication, RFID communication, RF communication, etc.), the OTP output unit 190 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 190 is the wireless communication unit 135. Connecting a secure communication channel (for example, an encryption / decryption based communication channel) for transmitting the OTP to a server that authenticates the OTP through a connection (if omitted), and authenticating the OTP through the secure communication channel. It is possible to directly transmit the generated OTP to the server, whereby the present invention is not limited.

2 is a diagram illustrating a configuration of a mobile phone 200 OTP system for authenticating payment of a mobile phone 200 according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates OTP medium authentication information corresponding to a mobile phone 200 registered as an OTP medium for authenticating payment of the mobile phone 200, OTP (n) generation information, and OTP (Nn) generation information. Stored in the storage medium 265, and provides the OTP agent corresponding to the configuration of the mobile phone 200 shown in Figure 1 to the mobile phone 200 (however, if the mobile phone 200 is provided with an OTP agent can be omitted) When the mobile phone 200 is used as an OTP medium, 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 an OTP medium. If it is verified as, the OTP (Nn) generation information corresponding to the mobile phone 200 is confirmed from the storage medium 265 and provided to the mobile phone 200, the mobile phone 200 to pay the mobile phone 200 To generate an N-digit OTP to authenticate The mobile phone 200 including the OTP operating system is shown as a configuration of the OTP system, and those skilled in the art to which the present invention pertains, the mobile phone 200 by referring to and / or modifying the present figure 2 While various implementation methods (eg, some components may be omitted, subdivided, or combined) for OTP system configuration may be inferred, the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the OTP system of the mobile phone 200 includes an OTP 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 authentication request server 215 and OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, OTP (n) generation information and OTP (Nn) generation information in association with the storage medium 265 and stored After providing the OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to the mobile phone 200 (but, if the mobile phone 200 is equipped with the OTP agent, it may be omitted), the mobile phone 200 ) Is used as an OTP medium, and receives and reads OTP medium authentication information from the mobile phone 200 to authenticate the mobile phone 200 as an OTP medium, and when the mobile phone 200 is authenticated as an OTP medium, the storage medium ( OTP (Nn) generation information corresponding to the mobile phone 200 from 265 By confirming and providing to the mobile phone 200, characterized in that it comprises an OTP operating system for processing to generate an N-digit OTP for authenticating the payment of the mobile phone 200 in the mobile phone 200, It further comprises a user terminal 205 used by the user having the mobile phone 200 according to the intention, and the OTP server 220 for authenticating the N-digit OTP generated by the mobile phone 200.

According to the present invention, the OTP operating system, each means constituting the OTP operating system is implemented in the form of one integrated server, or each means (or 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 registered with an OTP medium for authenticating payment of the mobile phone 200, and the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. A dedicated key button for requesting to generate an OTP is input through a key input unit provided in the mobile phone 200, or a request is made to generate an OTP through a preset menu selection, or an OTP through the mobile communication network. After user authentication by receiving a generation command (or OTP agent driving command), OTP medium authentication information requesting to authenticate the mobile phone 200 with the OTP medium is generated and transmitted to the OTP operating system, and the OTP operating system When the mobile phone 200 is authenticated with an OTP medium, the OTP (Nn) generation information is received from the OTP operating system, and the mobile phone 200 is stored in the mobile phone 200. The via OTP (n) generating information after generating the OTP (n) of the n digits, and by combining the OTP (n) and the OTP (N-n) characterized in that it generates, and outputs the OTP of the N digits.

The OTP authentication request server 215 is a general term for a server requesting to authenticate a user, payment, and financial transaction through an OTP generated by the mobile phone 200. Web server processing the authentication, shopping mall server or content providing server or home shopping server processing the payment payment through the OTP generated by the mobile phone 200, authenticate the financial transaction through the OTP generated by the mobile phone 200 The present invention includes one or more banking servers, and the present invention is not limited by the type of the OTP authentication request server 215 and the OTP authentication request method.

The user terminal 205 is a generic term for a communication terminal in which a user having the mobile phone 200 accesses the OTP authentication request server 215 through a communication network, and includes key input means, screen output means, and data communication means. It comprises all kinds of terminal devices provided, preferably a computer terminal including a PC, a laptop, a wireless communication terminal (for example, a mobile phone 200, a mobile Internet terminal, etc.) connected to a wireless communication network, two-way communication function It includes a provided digital TV, IP-TV, home appliances connected to the home network and the like.

According to the embodiment of the present invention, the user terminal 205 and the mobile phone 200 may be the same device, and the present invention is not limited thereto.

The OTP server 220 receives an N-digit OTP generated by the mobile phone 200 through a communication network, generates an OTP 'matching with the OTP, and compares (or verifies) the OTP with the OTP'. As a generic name of a server processing the OTP authentication for authenticating the payment of the mobile phone 200, the function of authenticating the OTP in the OTP server 220 may be provided in the OTP operating system, whereby the present invention It is not limited.

Referring to FIG. 2, the OTP operating system includes 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. OTP (n) generation information and (Nn) digits for receiving n OTP (n) digits in the mobile phone 200 to receive OTP medium information further including the information and to authenticate payment of the mobile phone 200. Generating (or allocating) OTP (Nn) generation information for generating an OTP (Nn) of the storage medium 265 by linking the OTP medium information with the OTP (n) generation information and OTP (Nn) generation information. OTP medium registration means 225 to be stored in the, and when the mobile phone 200 is registered as the OTP medium, provides the OTP (n) generation information to the mobile phone 200, the USIM provided in the mobile phone 200 / Mobile phone processing means 230 to be stored in the memory unit Characterized in that, if the mobile phone 200 is not provided with the OTP agent having the configuration shown in Figure 1, the mobile phone processing means 230 is the mobile phone 200 in the configuration shown in Figure 1 A corresponding OTP agent program code is provided.

Here, the OTP registration terminal is a generic term for a terminal device that requests the mobile phone 200 to be registered as an OTP medium, and includes a user terminal 205 and an OTP registration authority (for example, a national authority and an OTP authentication request server) used by the user. (215) including one or more terminals (eg, national institution terminal, OTP authentication request server 215 operating institution terminal, card company terminal, financial company terminal, securities company terminal, etc.) provided in the operating institution, card company, financial company, securities company, etc.) Is done.

In order to register the mobile phone 200 as an OTP medium in the OTP registration terminal, input the OTP medium information including mobile phone 200 unique information and customer information corresponding to the mobile phone 200, and further including user media information. (Or confirm) and transmit the data through the communication network, 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 user medium information read from the user medium, or user medium authentication information for authenticating the store user medium information. If the provided agent checks the validity of the user media information or does not transmit the user media information in the process of generating the OTP using the mobile phone 200 as the OTP medium, it may be omitted.

If the mobile phone 200 reads and transmits user media information from a user medium, the user media information is used to authenticate user validity or OTP generation validity of the mobile phone 200 registered as the OTP medium, It is preferable to be used as a validation condition for providing the OTP (Nn) generation information to the mobile phone 200.

According to an embodiment of the present invention, the OTP medium information may further include a user password or a user personal identification number designated by the user, and the user password or user personal identification number is a mobile phone registered with the OTP medium. It may be used to authenticate the user validity having a 200, or may be used as a validation condition for providing the OTP (Nn) generation information to the mobile phone 200.

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

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

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

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

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

If the OTP medium information is received or validity of using the mobile phone 200 as an OTP medium is authenticated, the OTP medium registration means 225, the mobile phone (200) to authenticate the mobile phone 200 payment; Generate (or allocate) one or more M (M> = m> = 1) OTP (n) generation information for generating n-digit OTP (n) in 200), and (Nn) -digit OTP (Nn) After generating (or allocating) M OTP (Nn) generation information for generating M, the M index values are added to the generated (or allocated) M OTP (n) generation information and OTP (Nn) generation information. Uniquely one-to-one matching.

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

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

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

When the OTP medium information is received from the OTP registration terminal and the OTP (n) generation information and the OTP (Nn) generation information are generated (or assigned), the OTP medium registration means 225 is connected to the OTP medium information. The M pieces of OTP (n) generation information, OTP (Nn) generation information, and index values are stored in the storage medium 265 in association.

When the mobile phone 200 is registered as the OTP medium by the OTP medium registration means 225, the mobile phone processing means 230, the mobile phone 200 corresponding to the unique information of the mobile phone 200 through a mobile communication network A communication channel, and m (m <= M) OTP (n) generation information corresponding to a part (or all) of the M OTP (n) generation information, OTP (Nn) generation information, and index value; The index value is provided to the mobile phone 200 through the communication channel and stored in the USIM / memory unit provided in the mobile phone 200. The user medium information is included in the OTP medium information. When confirming the validity of the user medium in the mobile phone 200, the mobile phone processing means 230 provides the user media information (or user media authentication information for authenticating the user media information) to the mobile phone 200 to the On mobile phone 200 It is desirable to store in the provided USIM / memory section.

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 OTP (n) generation information through the separate channel of the mobile phone ( 200) or the OTP agent program code and the m OTP (n) generation information and index values (the user medium information is included in the OTP medium information and the user medium validity in the mobile phone 200). When confirming that the package data containing the user medium information (or user medium authentication information for authenticating the user medium information) is carried Anything that is provided to the phone 200 is possible, whereby the present invention is not limited.

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

According to an exemplary embodiment of the present invention, a dedicated key button for requesting generation of an OTP is input through a key input unit provided in the mobile phone 200, or a request for generating an OTP through a preset menu selection is performed. At 200, the mobile station 200 checks (or extracts) the unique information of the mobile phone 200 from the USIM / memory unit, and configures the OTP medium authentication information including the unique information of the mobile phone 200 to transmit the information through the mobile communication network. The means 235 is characterized in that receiving the OTP medium authentication information including the unique information of the mobile phone 200 through the mobile communication network.

According to another exemplary embodiment of the present invention, the information receiving means 235 configures (or extracts from a database) an OTP generation command (or OTP agent driving command) for driving an OTP agent provided in the mobile phone 200. And transmits the OTP generation command (or OTP agent driving command) to the mobile phone 200 through the mobile communication network, and correspondingly OTP through the OTP generation command (or OTP agent driving command) in the mobile phone 200. Run an agent, identify (or extract) the unique information of the mobile phone 200 from the USIM / memory unit in the mobile phone 200, configure the OTP medium authentication information including the unique information of the mobile phone 200 to the mobile communication network When transmitting through, the information receiving means 235 receives the OTP medium authentication information including the unique information of the mobile phone 200 through the mobile communication network It shall be.

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

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

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

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

If the user medium information is included in the OTP medium authentication information, the OTP medium authentication information preferably comprises the mobile phone 200 unique information and the user medium information, the index value or user password or user personal Identification number may be included in the OTP medium authentication information according to the intention of the skilled person.

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.

If the user medium information is included in the OTP medium authentication information, the medium authentication means 240 is a user medium information (matching the user medium information included in the OTP medium authentication information from the storage medium 265) Or checking the user medium authentication information, comparing the user medium information included in the OTP medium authentication information with the user medium information included in the OTP medium information (or verifying user medium authentication information), and comparing (or verifying) the user medium information. Operation) result of the user medium information included in the OTP medium authentication information and the user medium information included in the OTP medium information stored in the storage medium 265 is matched (or matched), or a result predicted through a verification operation If derived, the mobile phone 200 that has transmitted the OTP medium authentication information to a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225 Authentication or processing of the OTP (N-n) generation information to verify that the validity for providing to the mobile phone 200 is confirmed.

When the user password or the user identification number is included in the OTP medium authentication information or when the user password or the user identification number is received from the mobile phone 200 through a separate channel, the user authentication means 245, The user password or user identification number and the user password or user identification number included in the OTP medium information stored in the storage medium 265 (or verification operation) is compared (or verification operation) result of the comparison (or verification operation) the user password Alternatively, when the user personal identification number and the user password or the user personal identification number stored in the storage medium 265 match (or match) or a predicted result is obtained through a verification operation, the mobile phone 200 may be carried. The user authenticates as a normal valid user of the mobile phone 200 registered with the OTP medium, It characterized in that the process to be validated for providing group OTP (N-n) generating information to the mobile phone 200 OK.

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

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

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

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

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

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

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

In addition, the OTP authentication means 255 or OTP server 220 confirms the OTP (Nn) generation information connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 265, and the confirmed Determine one or more fixed seed values for generating the OTP (Nn) 'from the OTP (Nn) generation information, determine one or more dynamic seed values through parameters included in the OTP (Nn) generation information, and And generating (Nn) digit OTP (Nn ') by substituting the at least one fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm, and generating the generated N digit OTP (n)' and the By combining OTP (Nn) 'provided to the mobile phone 200, N-digit OTP' is generated.

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 the mobile phone 200. Process OTP authentication to authenticate payment.

If the result of the comparison matches (or matches) the OTP and OTP ', or a predicted result is obtained through a verification operation, the OTP authentication means 255 or the OTP server 220 pays the mobile phone 200. The OTP for authenticating the authentication is authenticated, and the OTP authentication result is received by the OTP authentication request server 215, the user terminal 205, or the mobile phone 200 that require the OTP authentication result. Provide by means.

On the other hand, if the comparison results do not match (or match) the OTP and OTP ', or a result that is not predicted through the verification operation, the OTP authentication means 255 or OTP server 220 is the mobile phone 200 At least one of the OTP authentication request server 215, the user terminal 205, and the mobile phone 200 that process the OTP for authenticating the payment as unauthenticated and require the OTP authentication result. Provides OTP authentication result receiving means.

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

In more detail, FIG. 3 illustrates a process of registering a user's mobile phone 200 as an OTP medium on the mobile phone 200 OTP system shown in FIG. 2 for authenticating the payment of the mobile phone 200. Those skilled in the art may refer to and / or modify this drawing to infer various implementation methods (eg, some steps are omitted or reordering methods) for the OTP medium registration process. Although the present invention may be made, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 3, when the OTP registration terminal accesses a server through a communication network and requests registration of the user's mobile phone 200 as an OTP medium (300), the server transmits the user information and the user to the OTP registration terminal. And provides an OTP medium registration interface for inputting / registering OTP medium information including unique information of the mobile phone 200 corresponding to the mobile phone 200 of the mobile phone 200, and correspondingly, the OTP registration terminal uses the OTP medium registration interface. The OTP medium information including the unique information and the customer information of the mobile phone 200 and further including the user medium information is input and configured to be transmitted to the server (310).

The server receives the OTP medium information including the mobile phone 200 unique information and customer information from the OTP registration terminal, and further includes user media information, and transmits the mobile phone 200 unique information and customer information to the mobile phone ( 200 is provided to the communication company server 210 corresponding to the unique information to check the validity of using the mobile phone 200 corresponding to the unique information of the mobile phone 200 as the OTP medium (315).

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

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

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

Thereafter, the server checks whether the mobile phone 200 corresponding to the unique information of the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 (340).

According to an embodiment of the present invention, the server is unique information of the mobile phone 200 and OTP agent information (eg, OTP agent version information, OTP issuer information, OTP usage information, OTP agent use) provided in the mobile phone 200 It is preferable to check whether the OTP agent is provided in the mobile phone 200 through a database (not shown) or OTP server 220 or a communication company server 210 that stores and stores the details in association with each other.

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

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

When the user media information is stored in the USIM / memory unit provided in the mobile phone 200 according to the embodiment of the present invention, the server provides the user media information to the mobile phone 200 to provide the mobile phone 200. It is stored in the USIM / memory unit provided in, the user media information can be provided to the mobile phone 200 included in the OTP (n) generation information or OTP agent program code.

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 an OTP without using a user medium in the process of generating an O (N> = 2) digits in association with the user, and a method of using a user medium in the process shown in FIG. It will be illustrated and described. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to implement various methods for the OTP generation process (for example, some steps may be omitted or the order may be changed). Although it can be inferred, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

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 can be transmitted to the OTP operating system through a separate channel, the OTP medium authentication information is further added to the user password or user personal identification number for user authentication in the OTP operating system It is possible to include or transmit the user password or the user identification number to the OTP operating system through a separate channel, it is evident that the present invention includes all the implementation methods that can be modified through the Figure 4 It is.

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 is configured to authenticate payment of the mobile phone 200 through a key input means. A dedicated key button requesting to generate an N-digit OTP is inputted, or a request is made to generate the N-digit OTP through a preset menu selection, or an OTP generation command (or OTP agent driving command) through the mobile communication network. When this is received, by driving the OTP agent corresponding to the configuration of the mobile phone 200 shown in Figure 1 to request user authentication for using the mobile phone 200 as an OTP medium (400), user password or user personal identification User authentication is handled via a number (405).

According to an embodiment of the present invention, the process of driving the OTP agent may be driven through user media information as shown in FIG. 5, or the user authentication process may be performed by user media authentication as shown in FIG. 5. It is possible to be replaced.

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

On the other hand, if the user authentication is effectively processed (410), the mobile phone 200 is used by the mobile phone 200 for OTP authentication to authenticate the mobile phone 200 payment of m index values stored in the USIM / memory unit After determining one index value, configuring OTP medium authentication information including the unique information of the mobile phone 200 corresponding to the mobile phone 200 and the determined index value (415), and connecting the communication channel with the server. In operation 420, the OTP medium authentication information is transmitted to the server through the communication channel.

According to the embodiment of the present invention, the OTP medium authentication information may further include user medium information as shown in FIG. 5.

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.

According to an embodiment of the present invention, if user media information is further received through the process illustrated in FIG. 5, the server matches user media information included in the OTP media authentication information from the storage medium 265. Check the information (or user medium authentication information), compare the user medium information included in the OTP medium authentication information with the user medium information included in the OTP medium information (or verify operation of the user medium authentication information), and compare the Or verification operation), the user medium information included in the OTP medium authentication information and the user medium information included in the OTP medium information stored in the storage medium 265 are matched (or matched) or pre-predicted through a verification operation. When the result is obtained, the mobile phone 200 having transmitted the OTP medium authentication information is registered as an OTP medium by the OTP medium registration means 225. To authenticate to 200 are preferred.

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 generates an OTP for authenticating the payment of the mobile phone 200. End the process.

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

5 is a diagram illustrating a user media processing process according to an embodiment of the present invention.

In more detail, Figure 5 is a card uniquely assigned to the user from the user medium corresponding to any one of the user's IC card, MS card, RF card, RF device, RFID, USB device in the process shown in Figure 4 Read user media information corresponding to any one of information, device information, RFID information, and USB information, and drive the OTP agent provided in the mobile phone 200 to the read user media information, or OTP in the OTP agent. As an exemplary embodiment of the present invention, as an OTP driving information for authenticating generating or using an OTP agent provided in the mobile phone 200, the method is included in OTP medium authentication information transmitted to an OTP operating system. To those skilled in the art, various embodiments of the user media processing process (eg, Steps may be omitted, or the order of implementation may be changed), but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. .

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

Referring to FIG. 5, the mobile phone 200 outputs a user media interface for requesting reading preset user media information from a user medium, and uses an IC card, an MS card, an RF card, an RF device, and an RFID through the media reader. In operation 500, the user medium information corresponding to any one of card information, device information, RFID information, and USB information uniquely allocated to the user is read from the user medium corresponding to any one of the USB devices.

If the user medium information is read from the user medium (505), the mobile phone 200 authenticates the user medium validity through the user medium information (or user medium authentication information) stored in the USIM / memory unit (510).

If the user medium validity is not authenticated (515), the mobile phone 200 outputs user media authentication error information (520), and terminates the process of generating / outputting an OTP through the mobile phone 200.

On the other hand, if the user medium validity is authenticated (515), the mobile phone 200 drives the OTP agent (525), and configures the OTP medium authentication information through the process shown in Figure 4 and transmits to the server or Or, if the OTP agent is pre-driven, processes the user media validity verification result as a user authentication result, and then configures and transmits OTP media authentication information to the server through the process shown in FIG. do.

If the user media information is included in the OTP medium authentication information in the process shown in FIG. 4 (530), the mobile phone 200 adds the user medium information to the OTP medium authentication information including the unique information of the mobile phone 200. The apparatus further includes configuring OTP medium authentication information (535), connects the communication channel with the server, and transmits the OTP medium authentication information to the server through the communication channel (540).

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

In more detail, FIG. 6 illustrates an N (N>) generated by the mobile phone 200 shown in FIG. 1 through a process shown in FIGS. 4 and 5 through a communication network in the OTP operating system shown in FIG. = 2) illustrates the process of receiving OTPs of digits, generating N digits OTP 'matching the OTP, and comparing (or verifying) the received N digits of OTP and OTP' to authenticate OTP validity. As those skilled in the art to which the present invention pertains, various methods of implementing the OTP authentication process (for example, some steps may be omitted or the order may be changed) by referring to and / or modifying the present invention. Method) can 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.

In the following Figure 6, the OTP operating system shown in Figure 2 is referred to as "server" for convenience.

Referring to FIG. 6, after the N-digit OTP is generated / output by the mobile phone 200 shown in FIG. 1 through the process shown in FIGS. 4 and 5, the server is shown in FIG. Receiving the N-digit OTP input through the OTP input interface output to the user terminal 205, or receives the generated N-digit OTP from the mobile phone 200 shown in Figure 1 (600), Of the M terminal OTP generation information corresponding to the OTP medium in which the N-digit OTP is generated from the storage medium 265, the index value corresponding to the index value confirmed through the process shown in FIGS. 4 and 5 is provided ( In FIG. 4 and FIG. 5, OTP (n) generation information and OTP (Nn) generation information, which are omitted when the index value is not confirmed, are checked (605).

When the N-digit OTP is received from the user terminal 205 according to an embodiment of the present invention, the unique information of the mobile phone 200 corresponding to the OTP medium is an OTP authentication request before the N-digit OTP is received. It may be provided to the server in the process, or to the server with the N-digit OTP.

When the N-digit OTP is received from the user terminal 205 according to another embodiment of the present invention, the unique information of the mobile phone 200 corresponding to the OTP medium is determined from caller information corresponding to the mobile phone 200. It is preferred that it is identified or provided to the server with the N-digit OTP.

Thereafter, the server confirms one or more fixed seed values for generating the OTP (n) 'from the identified OTP (n) generation information, and uses one or more parameters through parameters included in the OTP (n) generation information. Determine a dynamic seed value, assign the at least one fixed seed value and the dynamic seed value to a predetermined OTP generation algorithm to generate n digits of OTP (n) ', and generate the identified OTP (Nn) Identify one or more fixed seed values for generating the OTP (Nn) 'from the information, determine one or more dynamic seed values through parameters included in the OTP (Nn) generation information, and determine one or more fixed seed values The seed value and the dynamic seed value are substituted into a predetermined OTP generation algorithm to generate (Nn) digit OTP (Nn '), and the generated n digit OTP (n)' and O provided to the mobile phone 200. TP (Nn) 'is combined to generate N-digit OTP' (610), and then OTP (n) 'and OTP (Nn)' are combined (e.g., the N-digit OTP in mobile phone 200). In the same manner as the combination method, NTP OTP's are generated (615).

If the N-digit OTP 'is generated (620), the server compares (or verifies) the received N-digit OTP with OTP' to check the validity of the OTP for authenticating the payment of the mobile phone 200. (625).

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 result predicted through a verification operation is obtained, the server determines the mobile phone 200. The OTP validity for authenticating payment is treated as verified.

If the OTP validity is not confirmed (630), the server receives a predetermined OTP authentication result receiving means (eg, OTP authentication request server 215, user terminal 205, mobile phone) OTP authentication result corresponding to the OTP validity error (Include one or more of 200) (635).

On the other hand, if the OTP validity is confirmed (630), 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) (640).

7 is a diagram illustrating a configuration of an OTP-based mobile phone 700 payment processing system according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a configuration of a mobile phone 700 payment processing system having the OTP operating system shown in FIG. 2, wherein the mobile phone 700 is connected to a user terminal 705 that is connected to a small payment target website. After processing so that one or more interfaces related to payment are provided, the mobile terminal 700 and the mobile phone 700 shown in FIG. 1 are connected to the mobile terminal 700 shown in FIG. When the illustrated OTP operating system inputs and transmits the generated OTP, the OTP is received from the user terminal 705, the OTP is validated, and then the mobile phone 700 according to the OTP validation result. ) Shows a configuration of a system for processing a payment, and those skilled in the art to which the present invention pertains, refer to and / or refer to FIG. In other words, various implementation methods (eg, some components may be omitted, subdivided, or combined) for the OTP-based mobile phone 700 payment processing system may be inferred. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, the payment processing system of the mobile phone 700 shown in FIG. 7 is applied to a system for processing payment using a customer's payment means, except that the payment amount is added to the communication fee of the user's mobile phone 700. It is possible that the present invention includes all payment processing systems that can be inferred as described above.

Referring to FIG. 7, the mobile phone 700 payment processing system includes a user terminal 705 used by a user who accesses a small payment target website and a mobile phone 700 possessed by the user. It includes a user mobile phone 700 having a configuration of the mobile phone 700 provided, and sells the tangible / intangible goods to the user through the user terminal 705, and the payment amount for the sold goods to the user mobile phone ( 700 one or more OTP authentication request servers 715 for operating a small payment target website for making payment through a mobile phone 700 payment means imposed on a communication fee, the user terminal 705 and the user mobile phone 700 And a mobile phone 700 payment system for processing a micro payment in connection with an OTP-based mobile phone 700 and a communication company server 710 on a mobile communication network to which the user mobile phone 700 is connected. The mobile phone 700 payment system is implemented in the form of a certificate server (or relay server) connected to the OTP authentication request server 715 and the communication company server 710, or of the OTP authentication request server 715 It is possible to implement both in the form of internal components, or in the form of the internal components of the telecommunications server 710, it will be apparent that the present invention is not limited thereby.

The user terminal 705 includes at least one personal computer and a laptop having a browser that can access the OTP authentication request server 715 that operates the micropayment target website, and the OTP authentication request server 715. Or receiving and outputting at least one interface for paying the mobile phone 700 from a mobile phone 700 payment system, and inputting one or more information for paying the mobile phone 700 through a user interface included in the interface. The request server 715 or the mobile phone 700 is characterized in that the transmission to the payment system.

According to an exemplary embodiment of the present invention, the user terminal 705 selects a mobile communication company corresponding to the user mobile phone 700 and the user mobile phone 700 number from the OTP authentication request server 715 or the mobile phone 700 payment system. And receiving a mobile phone 700 payment interface for inputting the user's social security number and outputting it to the screen output means, and selecting the mobile communication company corresponding to the user mobile phone 700 with the mobile phone 700 payment interface through a key input means; After inputting the user mobile phone 700 number and user social security number information to the OTP authentication request server 715 or mobile phone 700 payment system, the OTP authentication request server 715 or mobile phone 700 from the payment system OTP input interface for inputting the OTP generated by the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. Receives the data and outputs it to the screen output means, and inputs the OTP generated by linking the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. To transmit to the OTP authentication request server 715 or mobile phone 700 payment system.

According to another exemplary embodiment of the present invention, the user terminal 705 is selected from the OTP authentication request server 715 or the mobile phone 700 payment system, the mobile communication company selection information corresponding to the user mobile phone 700 and the user mobile phone ( 700, the user's social security number information and the mobile phone 700 shown in FIG. 1 and the OTP input system generated by linking the OTP operating system shown in FIG. A mobile communication company selection information, a user mobile phone 700 number and a user social security number information, and a mobile phone 700 shown in FIG. 1 and an OTP shown in FIG. Input the OTP generated in conjunction with the operating system to transmit to the OTP authentication request server 715 or mobile phone 700 payment system The.

The OTP authentication request server 715 is a mobile phone that sells tangible / intangible goods to the user through the user terminal 705 and charges a communication fee for the sold goods to the user mobile phone 700 communication fee ( 700 is a general term for a server operating a small payment target website that can be paid through a payment means, and when the user terminal 705 selects the payment means for the mobile phone 700 as the payment means for the payment amount, Providing the mobile phone 700 payment interface to the user terminal 705 or processing to provide the mobile phone 700 payment interface to the user terminal 705 through the mobile phone 700 payment system. do.

The user mobile phone 700 is a mobile phone 700 possessed by a user who purchases tangible / intangible goods sold by the OTP authentication request server 715, and the communication fee charged to the user mobile phone 700 is stored. A function of downloading an OTP agent for authenticating payment validity, and a function of generating an OTP by driving the OTP agent and outputting the generated OTP (for example, a screen output or a short range such as Bluetooth, Wi-Fi, RF communication, etc.). It is possible to output to the user terminal 705 through the communication means) characterized in that it comprises a.

According to the present invention, the user terminal 705 is an embodiment of a first terminal in which a user connects to a server through a communication network and purchases tangible / intangible goods sold by the server. Various modifications can be made depending on the type and characteristics of the communication network and server.

According to the present invention, the user mobile phone 700 is an embodiment of a second terminal equipped with an OTP agent to authenticate the validity of payment for the purchase price of the goods purchased through the first terminal, the second The terminal may include all communication terminals except for the first terminal.

For example, when the server to which the first terminal is connected is a home shopping server, the first terminal may include a user's IPTV, and the second terminal includes a wired telephone / VoIP phone provided near the IPTV. can do.

Alternatively, when the server to which the first terminal is connected is an ARS server, the first terminal may include a user's landline phone / mobile phone 700 / VoIP phone, and the second terminal may exclude the first terminal. Another voice call terminal (eg, if the first terminal is a landline phone, the second terminal includes a mobile phone 700 / VoIP phone; if the first terminal is a mobile phone 700, the second terminal is a landline phone / VoIP) And a second terminal may include a landline / mobile phone 700 if the first terminal is a VoIP phone.

In other words, the user terminal 705 of the present application is not limited to the above-described wired terminal, it will be apparent that the user mobile phone 700 of the present application is also not limited to the mobile phone 700.

The communication company server 710 is a generic name of a server side of a mobile communication company provided on a mobile communication network to which the user mobile phone 700 is connected to interface with the mobile phone 700. Message server, data exchange server, and swap for transmitting information (or data) requested to be provided to the 700 to the user mobile phone 700 through a mobile communication system (eg, exchange, base station, etc.) according to a preset communication protocol. It is preferable to include one or more (WAP) servers.

According to an embodiment of the present invention, the telecommunication company server 710 queries a subscriber D / B (not shown) through the user's mobile phone 700 number and user social security number information to authenticate a user, and the user's mobile phone 700 It is desirable to have an OTP agent or a function for managing the OTP agent provided to the user mobile phone 700 through a predetermined OTP server 720.

According to the exemplary embodiment of the present invention, the communication company server 710 corresponds to the user mobile phone 700 when the user mobile phone 700 is provided with an OTP agent or the OTP agent is provided to the user mobile phone 700. The mobile phone 700 number and the OTP agent information corresponding to the OTP agent provided in the user mobile phone 700 are preferably stored in association with each other.

In this case, the OTP agent information, it is preferable to include at least one version information, OTP generation algorithm and OTP generation method of the OTP agent provided in the user mobile phone 700 corresponding to the mobile phone 700 number.

Here, the OTP generation algorithm and the OTP generation method may use different algorithms and generation methods for each OTP agent, and thus the present invention is not limited thereto.

Referring to FIG. 7 according to an exemplary embodiment of the present invention, the mobile phone 700 payment system selects a mobile communication company corresponding to the user mobile phone 700 by using the user terminal 705 connected to the website for small payment. Interface providing means 735 for processing to provide a mobile phone 700 payment interface for inputting a user mobile phone 700 number and a social security number, and a movement corresponding to the user mobile phone 700 through the mobile phone 700 payment interface Information receiving means 740 for receiving the carrier selection information, the user mobile phone 700 number and the user social security number information, and the mobile phone server 710 corresponding to the received mobile carrier selection information, the user mobile phone 700 number and the user social security number. Transmits information, and corresponds to a user's mobile phone 700 number and a user's social security number confirmation result through the communication company server 710. And a user authentication means 745 for authenticating the user by receiving and reading a user authentication result. The interface providing means 735 is provided in the user mobile phone 700 as the user terminal 705. And provide an OTP input interface for inputting OTP generated by the OTP agent.

Referring to FIG. 7 according to another exemplary embodiment of the present invention, the mobile phone 700 payment system selects a mobile communication company corresponding to the user mobile phone 700 by the user terminal 705 accessing the small payment target website. And an interface for providing a mobile phone 700 payment interface for inputting a user mobile phone 700 number, a user social security number, and an OTP generated by linking the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. Providing means 735 and information receiving means 740 for receiving mobile carrier selection information and user mobile phone 700 number, user social security number information and OTP corresponding to the user mobile phone 700 through the mobile phone 700 payment interface And transmitting the user's mobile phone 700 number and the user's social security number information to a communication company server 710 corresponding to the received mobile communication company selection information. It is characterized in that it comprises a user authentication means 745 for authenticating the user by receiving and reading the user authentication result corresponding to the user mobile phone 700 number and the user resident registration number verification result through the gentleman server 710.

According to the present invention, each means constituting the mobile phone 700 payment system is implemented as a separate server for each means, or in the form of a predetermined authentication server (or relay server) including the means, or Two or more means are combined to be implemented as separate servers, or the means are implemented in the form of components in the OTP authentication request server 715, or the means are implemented in the form of components in the telecommunications server 710; Or some of the means are implemented as components in the OTP authentication request server 715 and some are implemented as components in the carrier server 710, or some of the means are components in the OTP authentication request server 715 The other part is implemented as a component in the carrier server 710 and the other part is all possible to be implemented in a separate server form, Group phone 700 bayida placed by the operator to implement a billing system revealed clearly SHALL not limited by the present invention.

According to an exemplary embodiment of the present invention, the user accesses the OTP authentication request server 715 to purchase tangible / intangible goods, and the user mobile phone 700 sets a payment amount corresponding to the purchase price for the goods. When the mobile phone 700 payment means is selected to pay through a communication fee charged to the user, the interface providing means 735 directly to the user terminal 705 through a communication network to which the user terminal 705 is connected, or The mobile phone 700 payment interface for relaying the OTP authentication request server 715 and selecting a mobile communication company corresponding to the user mobile phone 700 and inputting a user mobile phone 700 number and a user social security number to the user terminal 705. Characterized in that the processing to be provided.

When the mobile phone 700 payment interface is provided to the user terminal 705 by the interface providing means 735, the information receiving means 740 receives the payment interface of the mobile phone 700 from the user terminal 705. The mobile communication company selects the information corresponding to the user's mobile phone 700 and the user's mobile phone 700 and the communication session for receiving the user's social security number information.

According to an embodiment of the present invention, the interface providing means 735 connects a communication channel with the user terminal 705, and provides the mobile phone 700 payment interface to the user terminal 705 through the communication channel. In one case, the information receiving means 740 checks the user terminal 705 information (for example, an IP address) from the communication channel provided with the mobile phone 700 payment interface to the user terminal 705, and the communication. A communication session (for example, the user terminal 705) for receiving the mobile communication company selection information corresponding to the user mobile phone 700, the user mobile phone 700 number and the user social security number information from the user terminal 705 based on a channel. Memory area and communication thread code allocated to receive the mobile communication company selection information, the user mobile phone 700 number and the user social security number information from ) It is preferred to connect.

According to another embodiment of the present invention, when the interface providing means 735 provides the mobile phone 700 payment interface to the user terminal 705 via the OTP authentication request server 715, the information receiving means ( 740 receives the user terminal 705 information (eg, an IP address) from the OTP authentication request server 715, and based on this, the mobile communication company corresponding to the user mobile phone 700 from the user terminal 705. Communication session for receiving selection information and user cellular phone 700 number and user social security number information (e.g., assigning to receive the mobile communication company selection information and user cellular phone 700 number and user social security number information from the user terminal 705) It is desirable to associate a memory area with a communication thread code.

Here, the communication session is received by encrypting the mobile communication company selection information corresponding to the user mobile phone 700 and the user mobile phone 700 number and user social security number information, and the mobile communication company corresponding to the encrypted user mobile phone 700 It preferably comprises a secure communication session for decoding the selection information and the user's mobile phone 700 number and user social security number information.

When the communication session is connected to the user terminal 705, the information receiving means 740 is a mobile communication company selection information corresponding to the user mobile phone 700 and the user mobile phone 700 from the user terminal 705 through the communication session ) And receiving the user's social security number information.

When the mobile communication company selection information corresponding to the user mobile phone 700 and the user mobile phone 700 number and the user social security number information are received from the user terminal 705, the user authentication means 745 corresponds to the mobile communication company selection information. The user's mobile phone 700 number and the user's social security number information is transmitted to the communication company server 710, and the user's mobile phone 700 number and the user's social security number information through the subscriber D / B in the communication company server 710 When the result is configured and transmitted, the user authentication means 745 receives and reads the user authentication result to authenticate the user who requested the micro payment.

When the user authentication is confirmed, the OTP interface providing means 735 processes the OTP input interface for inputting the OTP generated by the OTP agent provided in the user mobile phone 700 to the user terminal 705. Characterized in that.

According to an embodiment of the present invention, the OTP interface providing means 735 relays the OTP authentication request server 715 directly or to the user terminal 705 through a communication network to which the user terminal 705 is connected. Preferably, the user terminal 705 processes the OTP input interface to be provided.

When the OTP input interface is provided to the user terminal 705 by the OTP interface providing means 735, the OTP receiving means is configured to receive an OTP input through the OTP input interface from the user terminal 705. A communication session may be connected, and may be omitted when the user terminal 705 and the communication session are already connected.

According to an embodiment of the present invention, the OTP interface providing means 735 connects a communication channel with the user terminal 705 and provides the OTP input interface to the user terminal 705 through the communication channel. In this case, the OTP receiving means checks the user terminal 705 information (for example, an IP address) from the communication channel provided with the OTP input interface to the user terminal 705, and based on the communication channel. It is preferable to connect a communication session (eg, a memory thread allocated for receiving the OTP from the user terminal 705 and a communication thread code) for receiving the OTP from 705.

According to another embodiment of the present invention, when the OTP interface providing means 735 provides the OTP input interface to the user terminal 705 via the OTP authentication request server 715, the OTP receiving means is the OTP. A communication session for receiving the user terminal 705 information (eg, an IP address) from an authentication request server 715 and receiving the OTP from the user terminal 705 based on the user terminal 705 (eg, the user terminal 705). It is preferable to connect the memory area allocated to receive the OTP from the communication thread and the communication thread code.

Here, the communication session preferably comprises a secure communication session for encrypting and receiving the OTP and decrypting the encrypted OTP.

According to another exemplary embodiment of the present invention, the user accesses the OTP authentication request server 715 to purchase tangible / intangible goods, and the user mobile phone 700 sets a payment amount corresponding to the purchase price for the goods. When the mobile phone 700 payment means is selected to pay through the communication charges imposed on), the interface providing means 735 directly to the user terminal 705 through a communication network to which the user terminal 705 is connected. Alternatively, the OTP authentication request server 715 may be relayed to the user terminal 705 to select a mobile communication company corresponding to the user mobile phone 700, the user mobile phone 700 number, the user social security number, and the mobile phone shown in FIG. 700) and the mobile phone 700 for inputting the OTP generated by connecting the OTP operating system shown in Figure 2 characterized in that the processing is provided to provide, The information receiving means 740 receives the mobile communication company selection information corresponding to the user mobile phone 700, the user mobile phone 700 number, the user social security number information and the OTP through the mobile phone 700 payment interface, and the user authentication means ( 745 transmits the user mobile phone 700 number and the user social security number information to the communication company server 710 corresponding to the received mobile communication company selection information, and the user mobile phone 700 number and user social security number through the communication company server 710. Characterize the user by receiving and reading the user authentication result corresponding to the verification result.

Referring to FIG. 7, the mobile phone 700 payment system inputs an OTP generated by linking the mobile phone 700 illustrated in FIG. 1 and the OTP operating system illustrated in FIG. 2 to the user terminal 705. After the interface is provided, an OTP for authenticating the payment of the mobile phone 700 is generated in connection with the mobile phone 700 illustrated in FIG. 1, and the generated OTP is output through the user mobile phone 700. After the processing, the OTP operating means 725 for receiving the generated OTP from the user terminal 705 (or mobile phone 700) and verify the validity of the received OTP, characterized in that it comprises a do.

In FIG. 7, the OTP operating means 725 shows the OTP operating system shown in FIG. 2 in the form of an internal component of the payment system of the mobile phone 700, and a detailed description thereof is shown in FIG. 2. See OTP Operating System Configuration.

Referring to FIG. 7, when the payment validity is authenticated by the OTP operating means 725, the mobile phone 700 payment system processes the payment amount through the communication fee charged to the mobile phone 700. It is preferable that the payment processing means 750 is further provided.

According to the exemplary embodiment of the present invention, the payment processing means 750 confirms the payment amount to be charged to the communication fee of the user mobile phone 700 from the OTP authentication request server 715, and communicates with the communication company server 710. It is preferable to check the payment limit for the user mobile phone 700 number in association with each other, compare the payment amount with the payment limit, and approve the payment through the communication fee imposed on the mobile phone 700.

According to another exemplary embodiment of the present invention, the payment processing unit 750 may store and manage the user mobile phone 700 number and payment limit information corresponding thereto through a separate database, in which case the payment The processing means 750 inquires the payment limit for the user mobile phone 700 number through the database, compares the payment amount with the payment limit and approves the payment through the communication fee imposed on the mobile phone 700. It is possible to do

If the payment using the communication fee charged to the mobile phone 700 is approved, the payment processing means 750, the payment amount is charged to the communication fee for the user mobile phone 700 through the carrier server 710 Process to transmit the payment approval information on the payment amount to the OTP authentication request server 715.

8 is a diagram illustrating a payment process of an OTP-based mobile phone 700 according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates an interface for selecting a mobile carrier corresponding to the user's mobile phone 700 and inputting a user's mobile phone 700 number and a user's social security number to the user terminal 705 accessing the small payment target website. After processing, the mobile communication company selection information corresponding to the user mobile phone 700 and the user mobile phone 700 number and the user social security number information are received from the user terminal 705 through the interface, and the mobile communication company corresponding to the mobile communication company selection information is received. When the user authentication is confirmed through the server 710, an OTP input for inputting the OTP generated by linking the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. 2 to the user terminal 705. After providing an interface, the OTP is generated / authenticated through the process shown in FIGS. 4 to 6, and the OTP authentication result is generated. As shown in the process of processing the mobile phone 700 according to the present invention, those skilled in the art to which the present invention belongs, the mobile phone 700 using the OTP verification information by referring to and / or modified in this figure 8 Various implementation methods (e.g., some steps may be omitted or the order may be changed) for the payment process may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the implemented method.

Hereinafter, in FIG. 8, the mobile phone 700 payment system shown in FIG. 7 will be referred to as "server" for convenience, and the OTP authentication request server 715 shown in FIG. 2 or 7 will be referred to as "web server" for convenience. .

Referring to FIG. 8, a user accesses the web server to purchase tangible / intangible goods and pays a payment amount corresponding to the purchase price of the goods through a communication fee charged to the user's mobile phone 700. When the mobile phone 700 selects a payment method 800, the server directly relays the web server to the user terminal 705 through the communication network to which the user terminal 705 is connected, or relays the web server to the user terminal 705. The mobile phone 700 corresponding to the user's mobile phone 700 and the mobile phone 700 payment interface for inputting the user's mobile phone 700 number and the user's social security number are provided (805), and from the user terminal 705. In operation 810, the mobile communication company selection information, the user's mobile phone 700 number, and the user's social security number information received through the mobile phone 700 payment interface are received.

If the mobile communication company selection information, the user mobile phone 700 number and the user social security number information is received from the user terminal 705 (815), the server is connected to the mobile communication company server 710 corresponding to the mobile communication company selection information to the user mobile phone Request the user authentication by transmitting the number 700 and the user resident registration number information, and configures and transmits the user authentication result for the user mobile phone 700 number and the user resident registration number information through the subscriber D / B in the communication company server 710 In operation 820, the mobile terminal 700 authenticates the user who requested the micro payment by receiving and reading the user authentication result.

If the user is not authenticated (825), the server generates a user authentication error and transmits it to the user terminal 705 (or user mobile phone 700) and the web server (830).

On the other hand, if the user is authenticated (825), the server performs an OTP for authenticating the payment of the mobile phone 700 in connection with the mobile phone 700 shown in Figure 1 through the process shown in FIGS. Generate and process the output to the user mobile phone 700, and receives the OTP from the user terminal 705 (or mobile phone 700) to authenticate the OTP validity for payment of the mobile phone 700 (835).

If the OTP validity for payment of the mobile phone 700 is not authenticated (840), the server generates payment error information and transmits it to the user wired terminal (or user mobile phone 700) and a web server (845).

If the OTP validity for payment of the mobile phone 700 is authenticated (840), the server generates the payment validation result and transmits the result to the user wired terminal (or user mobile phone 700) and the web server (850). In response to the payment validation result, the payment approval through the communication fee of the user mobile phone 700 is processed (855).

According to the embodiment of the present invention, the server confirms the payment amount to be charged to the communication fee of the user mobile phone 700 from the web server, and in connection with the communication company server 710 for the user mobile phone 700 number It is preferable to approve payment through a communication fee imposed on the mobile phone 700 by inquiring a payment limit and comparing the payment amount with the payment limit.

9 is a diagram illustrating an OTP-based mobile phone 700 payment process according to another embodiment of the present invention.

In more detail, FIG. 9 is a user terminal 705 accessing a small payment target website, and selects a mobile carrier corresponding to the user's mobile phone 700, user's mobile phone 700 number, user's social security number, and the mobile phone shown in FIG. Process 700 to provide an interface for inputting the OTP generated in conjunction with the OTP operating system shown in Figure 2, and then generate / authenticate the OTP through the process shown in Figures 4 to 6 , Which illustrates a process of processing a mobile phone 700 payment according to the OTP authentication result, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 9 to verify the OTP verification information. Although various implementation methods (for example, some steps may be omitted or changed in order) may be inferred for the mobile phone 700 payment process using the present invention. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the mobile phone 700 payment system shown in FIG. 7 is referred to as "server" for convenience, and the OTP authentication request server 715 shown in FIG. 2 or FIG. 7 is referred to as "web server" for convenience. .

Referring to FIG. 9, a user accesses the web server to purchase tangible / intangible goods and pays a payment amount corresponding to the purchase price of the goods through a communication fee charged to the user's mobile phone 700. When the mobile phone 700 selects a payment method (900), the server relays the web server directly to the user terminal 705 or through the communication network to which the user terminal 705 is connected. OTP selected by the mobile communication company corresponding to the user mobile phone 700 and the user mobile phone 700 number and the user resident registration number and the OTP operating system shown in FIG. 2 and the mobile phone 700 shown in FIG. After processing to provide a mobile phone 700 payment interface for inputting (905), through the process shown in Figures 4 to 6 through the process shown in Figure 1 in conjunction with the mobile phone 700 shown in Figure 1 The mobile phone 700 generates an OTP for authenticating payment and processes the OTP to be output to the user mobile phone 700, and receives the OTP from the user terminal 705 (or mobile phone 700) to pay the mobile phone 700. Authenticate OTP validity for (910).

If the OTP validity for payment of the mobile phone 700 is not authenticated (915), the server generates payment error information and transmits it to the user wired terminal (or user mobile phone 700) and a web server (920).

If the OTP validity for payment of the mobile phone 700 is authenticated (915), the server generates the payment validation result and transmits the result to the user wired terminal (or user mobile phone 700) and the web server (925). In response to the payment validation result, the payment approval through the communication fee of the user mobile phone 700 is processed (930).

According to the embodiment of the present invention, the server confirms the payment amount to be charged to the communication fee of the user mobile phone 700 from the web server, and in connection with the communication company server 710 for the user mobile phone 700 number It is preferable to approve payment through a communication fee imposed on the mobile phone 700 by inquiring a payment limit and comparing the payment amount with the payment limit.

According to the present invention, while approving a mobile phone payment using OTP, when storing only a part of the information required to generate the OTP in the Universal Subscriber Identity Module (USIM) or memory area of the mobile phone provided in the user's mobile phone, and generates the OTP Every time the mobile phone is authenticated as a valid OTP medium, and the user medium owned by the user (including one or more of an IC card, an MS card, an RF card, an RF device, an RFID device, and a USB device) is authenticated. By authenticating whether the user is a valid user, there is an advantage of preventing unauthorized payment of a mobile phone by using another's mobile phone and personal information.

Another object of the present invention, when paying for a mobile phone using OTP, of the N (N> = 2) digits of the OTP associated with the user media information read from the user medium through the mobile phone in the server on the communication network according to the authentication result When OTP (Nn) generation information for generating (Nn) digits OTP (Nn) is provided to the mobile phone, the OTP (n) of n digits of the N digits OTP is generated through the OTP (n) generation information in the mobile phone. After generating and generating (Nn) digit OTP (Nn) through the OTP (Nn) generation information, by combining the OTP (n) and OTP (Nn) to generate and output the N digit OTP, valid OTP N-digit OTP for mobile phone payment is generated and output only by a mobile phone registered as a medium.

Claims (7)

User media that is read from mobile phone's unique information registered as OTP (One Time Password) media in server and user's owned media including one or more of IC card, MS card, RF card, RF device, RFID, USB device. OTP medium information including information, OTP (n) generation information for generating n-digit OTP (n) among N (N> = 2) -digit OTP, and OTP for generating (Nn) digit OTP (Nn) (Nn) storing and maintaining the generated information in a storage medium; When the mobile carrier selection information, the user mobile phone number and the user social security number information are received from the user terminal requesting the mobile phone payment using the OTP, the server connects the communication channel with the mobile phone of the user according to the mobile phone subscriber authentication result through the mobile carrier. Receiving OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) of the mobile phone and user medium information read from the user medium; Authenticating the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP by comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information; When the mobile phone is authenticated with an OTP medium, checking, by the server, OTP (N-n) generation information associated with the user medium from the storage medium and transmitting the generated information to the mobile phone; When the user terminal or the mobile phone transmits the N-digit OTP, the server checks OTP (n) generation information and OTP (Nn) generation information associated with the user medium from the storage medium, and then OTP (n) and OTP. Generating (Nn); Generating an N-digit OTP 'by combining the OTP (n) and OTP (N-n) at the server; And And comparing (or verifying) the received N-digit OTP with the generated N-digit OTP and authenticating the validity of the N-digit OTP to approve the mobile phone payment. Mobile phone payment method through OTP authentication of the code completion method that works with the user media characterized in that. The method of claim 1, And a code value corresponding to the user media information in the information for generating the N-digit OTP. The method of claim 1, Constructing, by the cellular phone, OTP media authentication information including cellular phone unique information stored in a USIM (or memory) and user media information read from the user media to a server on a communication network; When the server generates and transmits the OTP (Nn) generation information, the mobile phone checks the OTP (n) generation information from the USIM (or memory) to generate the OTP (n), and generates the OTP (Nn) generation information. Generating OTP (Nn) through; And Generating a N-digit OTP by combining the OTP (n) and the OTP (Nn) in the mobile phone. . 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. User media information registered from OTP (One Time Password) media and mobile media owned by the user, including one or more of IC card, MS card, RF card, RF device, RFID, USB device. OTP medium information to be included, OTP (n) generation information for generating n-digit OTP (n) among N (N> = 2) -digit OTPs, and OTP (Nn) for generating (Nn) -digit OTP (Nn). A storage medium storing the generated information; When the carrier selection information, the user's mobile phone number and the user's social security number information are received from the user terminal requesting the mobile phone payment using the OTP, the mobile phone and the communication channel are connected to the user's mobile phone according to the mobile phone subscriber authentication result. Information receiving means for receiving OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and user medium information read from the user medium; Medium authentication means for authenticating the mobile phone with an OTP medium for generating (or outputting) an N-digit OTP by comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information; Information verification means for confirming OTP (N-n) generation information associated with the user medium from the storage medium when authenticating the mobile phone with an OTP medium; Information transmitting means for transmitting the confirmed OTP (N-n) generation information to the mobile phone; When the N-digit OTP is received from the user terminal or the mobile phone, the OTP generates an N-digit OTP 'through the OTP (n) generation information and the OTP (n) generation information to authenticate the validity of the N-digit OTP. Authentication means; And And a payment processing means for approving the mobile phone payment according to the N-digit OTP validity authentication result. The method of claim 6, wherein the OTP authentication means, Identifying OTP (n) generation information and OTP (Nn) generation information associated with the user medium from the storage medium to generate and combine OTP (n) and OTP (Nn) to generate N-digit OTP ', The OTP authentication of the code completion method in conjunction with the user medium, characterized in that the comparison of the received N-digit OTP and the generated N-digit OTP '(or verification operation) to validate the validity of the N-digit OTP Mobile payment system.

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