KR20100136354A - System and method for settling mobile phone by multiple authentication mode otp authentication with biometrics and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for settling a mobile phone by multiple authentication mode OTP(One Time Password) authentication with biometrics, and a recording medium thereof are provided to allow a server to transfer the OTP generation information associated with the biometric identification of a user to a mobile phone when authenticating a mobile phone as an OTP medium through first and second authentications. CONSTITUTION: A mobile phone outputs a biometric interface for identifying biometric information, and recognizes the biometric information of a user from the biometrics target of a user. According to a preset biometrics method, a mobile phone converts the recognized biometrics information into the biometric identification information corresponding to a preset data structure(510). Through the biometric identification information stored in a USIM, the mobile phone authenticates the validity of the biometric identification.

Description

Method and system for payment of mobile phone through OTP authentication with biometrics interworking and system for recording {{{System and Method for Settling Mobile Phone by Multiple Authentication Mode OTP Authentication with Biometrics and Recording Medium}}

1 is a diagram illustrating a mobile phone function configuration having a function of generating an 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 biometric 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 125: biometric recognition unit

130: battery 135: wireless communication unit

140: USIM 145: USIM leader

150: memory unit 155: biometric processing unit

160: user authentication unit 165: index processing unit

170: authentication processing unit 175: code generation unit

180: code transmitter 185: receiver

190: OTP generating unit 195: OTP output unit

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. First authenticating the mobile phone to a valid OTP medium through medium authentication information, second authenticating the mobile phone to a valid OTP medium through the received OTP generated through the terminal-side OTP generation information provided in the mobile phone, and the user After authenticating a biometric (eg, a fingerprint, an iris, a retina, a facial), and providing OTP generation information associated with biometric information recognized from a user's biometric through the cellular phone according to the authentication result, After generating and outputting the N-digit OTP through the OTP generation information in the mobile phone, the user When the terminal (or mobile phone) transmits the N-digit OTP, it provides a method and system for approving the mobile phone payment through the validation of 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 When storing only a portion and generating an OTP, first authenticating the mobile phone as a valid OTP medium through OTP medium authentication information received from the mobile phone, and receiving the OTP generated through the terminal-side OTP generation information provided in the mobile phone. Through the second authentication of the mobile phone to a valid OTP medium, the user's biometrics (eg, fingerprint, iris, retina, face) to authenticate, and the mobile phone user to verify whether the user is a valid user.

Another object of the present invention, when providing a mobile phone payment using OTP, OTP generation information associated with the biometric information recognized from the user's biometrics through the mobile phone in the server on the communication network according to the authentication result to the mobile phone, By generating and outputting the N-digit OTP through the OTP generation information in the mobile phone, the N-digit OTP for mobile phone payment is generated and output only by the mobile phone registered as a valid OTP medium.

Mobile phone payment method through OTP authentication of the multi-authentication method interworking with biometrics according to the present invention, the mobile phone unique information registered in the server as OTP (One Time Password) medium and biometric information recognized from the user's biometrics Storing OTP medium information, terminal-side OTP generation information provided in a USIM (or memory) of a mobile phone registered as the OTP medium, and OTP generation information for generating O (N> = 2) digits in a storage medium; The mobile communication company selection information and 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, and the server communicates with the mobile phone of the user according to the mobile phone subscriber authentication result through the mobile carrier. Recognize mobile phone unique information stored in the USIM (or memory) of the mobile phone and the living body of the user by connecting a channel Receiving OTP medium authentication information including biometric information, and comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information at the server to generate an N-digit OTP for the mobile phone. (Or output) first authentication with the OTP medium, and generates and compares (or verifies) the OTP 'with the received OTP through the terminal-side OTP generation information associated with the biometric of the user from the storage medium. Secondly authenticating a mobile phone to the OTP medium, and transmitting the OTP generation information associated with the user's biometrics from the storage medium to the mobile phone at the server when the mobile phone is first and second authenticated to the OTP medium. And transmitting the N-digit OTP from the user terminal or the mobile phone, and in connection with the biometrics of the user from the storage medium in the server. Checking the generated OTP generation information, generating an N-digit OTP 'through the OTP generation information at the server, and comparing the received N-digit OTP with the generated N-digit OTP' at the server. And (or verifying) the step of authenticating the validity of the N-digit OTP to approve the mobile phone payment.

Mobile phone payment method through the OTP authentication of the multi-authentication method in conjunction with the biometrics according to the present invention, further comprising the step of including the code value corresponding to the biometric information in the information generating the N-digit OTP Characterized in that made.

Mobile phone payment method through the OTP authentication of the multi-authentication method in conjunction with the biometrics according to the present invention, OTP including mobile phone unique information stored in the USIM (or memory) in the mobile phone and the biometric information recognized from the user's biometrics Transmitting media authentication information and OTP generated through the terminal-side OTP generation information to a server on a communication network, and when the server transmits the OTP generation information, the mobile phone receives the OTP generation information to receive an N-digit OTP. Characterized in that it comprises a step of generating.

In the mobile phone payment method through OTP authentication of the multi-authentication method linked to the biometrics according to the present invention, the OTP medium authentication information, characterized in that further comprises a user password or a user identification number, the server The method may further include authenticating the mobile phone with an OTP medium through the user password or the user personal identification number.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the mobile phone payment method through the OTP authentication of the multi-authentication method linked to the above-described biometrics.

On the other hand, the mobile phone payment system through the OTP authentication of the multi-authentication method in conjunction with the biometrics according to the present invention, the mobile phone unique information registered as OTP (One Time Password) medium and the biometric information recognized from the user's biometrics A storage medium for storing OTP medium information, OTP generation information provided in the USIM (or memory) of a mobile phone registered as the OTP medium, and OTP generation information for generating O (N> = 2) digits of OTP. And, when the mobile carrier selection information and the user mobile phone number and the user resident registration number information is received from the user terminal requesting a mobile phone payment using the OTP, by connecting the communication channel with the mobile phone of the user according to the mobile phone subscriber authentication result through the mobile carrier; Mobile phone unique information stored in the USIM (or memory) of the mobile phone and biometric information recognized from the user's biometrics. An information receiving means for receiving OTP medium authentication information, and OTP 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. First authentication with the medium, and generates the OTP 'from the storage medium through the terminal-side OTP generation information associated with the biometrics of the user and compares (or verifies) the received OTP to the mobile phone as the OTP medium. A second authentication medium authentication means, information verification means for confirming OTP generation information associated with the biometrics of the user from the storage medium when the mobile phone is authenticated with the OTP medium by the first and the second, and the OTP generation information Information transmission means for transmitting the data to the mobile phone, and if the N-digit OTP is received from the user terminal or the mobile phone, the N-digit OTP 'through the OTP generation information. It is characterized in that it comprises an OTP authentication means for authenticating the validity of the N-digit OTP and payment processing means for approving the mobile phone payment according to the N-digit OTP validity authentication result.

In the mobile payment system through OTP authentication of the multi-authentication method in conjunction with the biometrics according to the present invention, the OTP authentication means, after confirming the OTP generation information associated with the biometrics of the user from the storage medium, N-digit OTP 'is generated through OTP generation information, and the validity of the N-digit OTP is authenticated by comparing (or verifying) the received N-digit OTP and the generated N-digit OTP'. It is done.

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 embodiments 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's just

1 is a diagram illustrating a functional configuration of a mobile phone 100 having a function of generating an OTP for authenticating the payment of the mobile phone 100 according to the 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 it is an OTP medium provided by the OTP agent, receiving OTP generation information for generating O (N> = 2) digits from a server of a communication network, and authenticating payment of the mobile phone 100 through the OTP agent. As shown in FIG. 1, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention, and then may modify other wireless devices in addition to the mobile phone 100. Inferring an implementation method having a function of generating an OTP for authenticating payment of the mobile phone 100 in a wireless communication terminal (for example, a mobile Internet terminal) connected to a wireless communication network of a communication standard. It will be appreciated that the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

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. Sound processing unit 115 corresponding to the microphone / speaker, Key input unit 120 corresponding to the keypad, Wireless communication unit 135 corresponding to the antenna and various RF modules, Memory unit 150 corresponding to the nonvolatile memory ), A Universal Subscriber Identity Module (USIM 140) corresponding to an integrated circuit (IC) chip that stores universal subscriber identification information, and a USIM reader unit for reading / writing information (or data) to the USIM 140. And a battery 130 for supplying power, wherein the biometric unit recognizes the user's biometric information from a biometric object corresponding to any one of the user's fingerprint, iris, retina, and face. Equipped with 125 Characterized in that eojineun.

According to an embodiment of the present invention, the biometric information recognized from the biometric object of the user is converted into biometric information corresponding to a preset data structure according to a preset biometric method, and the upper body recognition information is converted into the mobile phone 100. OTP agent authentication information used to drive the OTP agent provided in the or) or authenticating the OTP generation in the OTP agent, or OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to a server on a communication network. The OTP agent included in the mobile phone 100 may be used for one or more purposes of being used as a seed value of OTP generation information for generating OTP or OTP generation information for medium authentication.

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 General term for program routines or program data loaded and executed by the processor to perform a specific function (hence, a recording medium of the mobile phone 100 for the function of generating an OTP for authenticating payment of the mobile phone 100). The program routine component corresponding to the OTP agent recorded in the above is provided in the controller 105 for convenience. The program routine included in the controller 105 is basically an operating system routine (not shown) and one or more system management routines (eg, a power management routine, a channel (forward / reverse) management routine). , A handoff routine, etc.), and various functional configurations to be implemented in the mobile phone 100 are realized by the controller 105.

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 OTP is preferably initiated (or realized) through the key input in the operation mode in which the cellular phone 100 corresponds 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 preferably performs a function of a screen output means for outputting a menu screen, a function processing screen, and a function processing result screen corresponding to the function for generating the OTP. .

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 corresponding to an input signal (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT), 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; Reading the key data corresponding to the key event in the current input mode or the operation mode of (eg, 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). Read key data into a key event), or read a command that executes a function defined in accordance with the key event. .

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

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

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

The biometric unit 125 recognizes biometric information corresponding to the fingerprint information of the user from the fingerprint of the user, recognizes biometric information corresponding to the iris image of the user from the iris of the user, or retina of the user. And a camera unit configured to recognize biometric information corresponding to the user's retinal image from the user, or to recognize biometric information corresponding to the user's face image from the user's face. The object and the corresponding biometric unit 125 may be variously expanded, and it is apparent that the present invention is not limited by the biometric object and the biometric method corresponding thereto.

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 (for example, a duplexer filter, a power amplifier, and a high output). High Power Amplifier (HPA), Isolator, RF / IF SAW Filter, Frequency Up Circuit, Frequency Down Converter, VCTCXO, UHF Frequency Synthesizer, etc.) And a location registration or a slot mode, a power control, or a hand-off corresponding to each operation mode of the mobile phone 100 in association with the controller 105. off) or call processing procedure.

According to another 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 a variety of information and program code necessary to generate the OTP in the mobile phone 100, the OTP applet is a mobile phone 100 The USIM 140 includes a storage unit (not shown) for storing a data set corresponding to information or data that is read and read or used by a processor included in the processor, and an instruction set provided by a calculation function and a COS of the processor unit. A program routine (e.g., a Java Applet in the case of a Javacard) that is driven or executed and operates within the mobile phone 100 and interacts with the instruction set of the COS. A processor corresponding to an application including an instruction call code to be executed and an execution code to be processed by the processor In particular, the processing unit reads a command provided from the processor provided in the mobile phone 100 via the input / output interface through an APDU, and at least one stored in the storage unit based on the read command Read or record information or data, and provide the result or read information or data to the processor provided in the mobile phone 100 via the input and output interface through the APDU.

According to an embodiment of the present invention, the storage unit of the OTP applet, m (m> = 1) media authentication OTP generation information for generating the media authentication OTP to be transmitted from the mobile phone 100 to the server on the communication network m It is preferable to store each index value in association with each other.

The OTP generation information for medium authentication includes one or more fixed seed values (or a part of fixed seed values) for generating a medium authentication OTP to be transmitted from the mobile phone 100 to a server on the communication network, or It is preferable to include a parameter (or a part of the parameter) for determining the dynamic seed value, the mobile phone 100 is a fixed seed value included in the OTP generation information for the medium authentication or OTP generation information for the medium authentication By assigning the dynamic seed value determined through the included parameter into a preset OTP generation algorithm, OTP for medium authentication is generated and transmitted to the server on the communication network. The server on the communication network uses the OTP generation information for the medium authentication provided. Generate an OTP 'for medium authentication, and compare (or verify operation) the OTP for medium authentication with the OTP for medium authentication; Provide OTP generation information (ie, information including one or more fixed seed values and parameters for generating an N (N> = 2) digit OTP in the OTP agent provided in the mobile phone 100) to the mobile phone 100. Authenticate

For example, if the OTP is generated in a time-synchronized manner, the OTP generation information for medium authentication may include one or more fixed seed values (or a portion of the fixed seed value) for generating an OTP generated through the time-synchronized manner. Or a parameter (or a part of the parameter) for determining the dynamic seed value, wherein the OTP for medium authentication generated through the OTP generation information for medium authentication is OTP generation information for medium authentication provided in the server. Compared with the medium authentication OTP 'generated through the mobile phone 100 is preferably used as a means for authenticating the OTP medium.

Or, if the OTP is generated in a challenge-response manner, the OTP generation information for medium authentication includes one or more fixed seed values (or a portion of the fixed seed values) for generating an OTP generated through the challenge-response scheme. Or a parameter (or a part of the parameter) for determining the dynamic seed value, and the medium authentication OTP generated through the medium authentication OTP generation information is provided through the medium authentication OTP generation information provided in the server. Compared with the generated OTP 'for medium authentication, it is preferable to use the mobile phone 100 as a means for authenticating the OTP medium.

According to an embodiment of the present invention, the media authentication OTP generation information is preferably stored in the storage unit (encryption storage possible) in association with the OTP agent downloaded to the user mobile phone (100).

The index value may not be duplicated for one-to-one matching of m medium authentication OTP generation information stored in a storage unit of the OTP applet with M (M> = m) medium authentication OTP generation information provided in a server on a communication network. A value uniquely assigned for each OTP generation information for authentication, and the OTP generation information for media authentication stored in a storage unit of the OTP applet associated with the same index value and the OTP generation information for media authentication provided in a server on a 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 media authentication OTP 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.

According to the embodiment of the present invention, the USIM 140 may be provided with a function for generating the media authentication OTP. In this case, the processing unit of the OTP applet is a user password input through the mobile phone 100. Or one or more fixed seed values for generating the media authentication OTP through the media authentication OTP generation information provided through the mobile phone 100 (or stored in the storage unit) after user authentication through a user identification number. And program code for identifying and determining the dynamic seed value, and generating the OTP by substituting the one or more fixed seed values and the dynamic seed value into the set OTP algorithm.

According to an embodiment of the present invention, the USIM 140 may be provided with a function of generating an OTP having N (N> = 2) digits. In this case, the processing unit of the OTP applet may include the mobile phone 100. One or more fixed seeds for generating the N (N> = 2) digits OTP through the OTP generation information provided through the mobile phone 100 after user authentication through a user password or a user identification number entered through the mobile phone 100 And program code for identifying / determining a value and a dynamic seed value, and generating the OTP by substituting the identified / determined one or more fixed seed values and dynamic seed values into the set OTP algorithm.

According to the embodiment of the present invention, the storage unit of the OTP applet, it is possible to store (or encrypted storage) a user password or a user personal identification number for user authentication for generating the OTP in the mobile phone 100 In this case, if the user password or the user identification number is transferred from the mobile phone 100, the processing unit of the OTP applet, the user password or the user personal identification number and the user stored in the storage unit according to a preset authentication procedure The user authentication for generating the OTP in the mobile phone 100 through the user password or the user identification number by comparing (or verifying) the password or the user identification number and processing the user authentication result It is preferable to respond with the mobile phone 100.

According to an embodiment of the present invention, the storage unit of the OTP applet, one or more mobile phones (100) registered in a server on a communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP Preferably, the unique information is stored, and according to the intention of the person skilled in the art, the unique information of the mobile phone 100 may include the unique information and the IC chip information stored in the fixed storage area of the USIM 140 memory in addition to the storage of the OTP applet. It can be made, including.

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. An OTP agent including at least one IC chip serial number constituting an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), a USIM 140, or the mobile phone 100 may generate the 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 medium is equipped with.

According to an embodiment of the present invention, when the biometric information of the user is recognized from the biometric object of the user and the biometric information is converted into the biometric information, the storage unit of the OTP applet stores the biometric information or Or store the biometric authentication information (for example, information for deriving a specific value through the biometric information and a predetermined verification operation) for authenticating the biometric information, and through the biometric recognition unit 125. When the biometric information corresponding to the OTP agent driving information is confirmed from the biometric object, the processing unit of the OTP applet provides the biometric information (or biometric information) stored in the storage unit to the mobile phone 100 to provide the biometric information. Process the mobile phone 100 to authenticate the biometric information, or from the mobile phone 100 It being provided biometric information to the biometric information and the biometric information stored (or biometric information) comparison (or verify operation), which has the function of processing so that the biometric authentication efficacy are preferred.

According to an embodiment of the present invention, when the biometric information is used as the OTP driving information for driving the OTP agent provided in the mobile phone 100 or for generating the OTP in the OTP agent, the biometric If the validity is authenticated, it is preferable that the OTP agent is started, or it is initiated (or authenticated) to generate an OTP for [OTP Purpose] in the OTP agent.

Or, if the biometric 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, if the biometric validity is authenticated, the biometric information on the server on the communication network It is preferable to include in the OTP medium authentication information transmitted to the server, and if the validity of the biometric information is confirmed by the server on the communication network, it may be omitted to authenticate the biometric validity through the USIM (140).

Alternatively, when the biometric information is used as the seed value of the OTP generation information for generating the OTP or the OTP generation information for the medium authentication by the OTP agent provided in the mobile phone 100, the biometric validity is authenticated. The recognition information is preferably used as a fixed seed value (or part of a fixed seed value) constituting the OTP generation information or OTP generation information for medium authentication, and includes a code structure in which the biometric information is to be used as the fixed seed value. If not, the processing unit of the OTP applet may further include a function of processing the biometric information into the fixed seed value through a predetermined hash function.

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) management area, etc. The OTP applet is preferably stored in a separate designated storage area except the protection area and the COS control area.

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

The memory unit 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 embodiment of the present invention, the memory unit 150, m (m> = 1) medium authentication OTP generation information for generating a medium authentication OTP to be transmitted from the mobile phone 100 to the server on the communication network Is stored in association with each of the m index values, and when the biometric information is available as the OTP generation information for the medium authentication, the storing of the OTP generation information for the medium authentication in the memory unit 150 is omitted. It is possible.

The OTP generation information for medium authentication includes one or more fixed seed values (or a part of fixed seed values) for generating a medium authentication OTP to be transmitted from the mobile phone 100 to a server on the communication network, or It is preferable to include a parameter (or a part of the parameter) for determining the dynamic seed value, the mobile phone 100 is a fixed seed value included in the OTP generation information for the medium authentication or OTP generation information for the medium authentication By assigning the dynamic seed value determined through the included parameter into a preset OTP generation algorithm, OTP for medium authentication is generated and transmitted to the server on the communication network. The server on the communication network uses the OTP generation information for the medium authentication provided. Generate an OTP 'for medium authentication, and compare (or verify operation) the OTP for medium authentication with the OTP for medium authentication; Providing OTP generation information (ie, information including one or more fixed seed values and parameters for generating N (N> = 2) digits OTP in the OTP agent provided in the mobile phone 100) to the mobile phone 100. Authenticate

The index value is a medium so as not to overlap in order to one-to-one matching m medium authentication OTP generation information stored in the memory unit 150 with M (M> = m) medium authentication OTP generation information included in a server on a communication network. A value uniquely assigned for each OTP generation information for authentication, in which the OTP generation information for medium authentication stored in the memory unit 150 and the medium authentication OTP generation information included in a server on a 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 media authentication OTP 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 encrypted user password or user personal identification number for user authentication for generating the OTP in the mobile phone 100.

According to an embodiment of the present invention, the memory unit 150 is one or more mobile phones 100 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 OTP It is desirable to store 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. A number that includes one or more of an ESN, an subscriber identification number, and an International Mobile Equipment Identity (IMEI), or a separate registered to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP. It is preferred to include an OTP medium identifier (eg, a non-overlapping code value).

According to the exemplary embodiment of the present invention, when the biometric information of the user is recognized from the biometric object of the user and the biometric information is converted into the biometric information, the memory unit 150 stores the biometric information. Or storing biometric authentication information (for example, information for deriving a specific value through the biometric information and a predetermined verification operation) for authenticating the biometric information, and through the biometric recognition unit 125. When the biometric information corresponding to the OTP agent driving information is confirmed from the biometric object, the OTP agent (or OTP agent driving program) is the OTP agent (or OTP agent driving program), the identified biometric information. And biometric information (or biometric information) stored in the memory unit 150 are compared (or verified). That has the function of processing so that the biometric authentication efficacy are preferred.

According to an embodiment of the present invention, when the biometric information is used as the OTP driving information for driving the OTP agent provided in the mobile phone 100 or for generating the OTP in the OTP agent, the biometric If the validity is authenticated, it is preferable that the OTP agent is driven by an OTP agent driving program, or the OTP agent is initiated (or authenticated) to generate an OTP for [OTP purpose] in the OTP agent.

Alternatively, when the biometric information is included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to a server on a communication network, when the biometric validity is authenticated, the OTP agent transmits biometric information to the communication network. It is preferable to include in the OTP medium authentication information transmitted to the server on the server, and if the validity of the biometric information in the server on the communication network, the authentication of the biometric validity through the USIM 140 can be omitted. Do.

Alternatively, when the biometric information is used as the seed value of the OTP generation information for generating the OTP or the OTP generation information for the medium authentication by the OTP agent provided in the mobile phone 100, the biometric validity is authenticated. The recognition information is preferably used as a fixed seed value (or part of a fixed seed value) constituting the OTP generation information or OTP generation information for medium authentication, and includes a code structure in which the biometric information is to be used as the fixed seed value. If not, the OTP agent (or processing unit of the OTP applet) may further include a function of processing the biometric information into the fixed seed value through a predetermined hash function.

Referring to FIG. 1, the mobile phone 100 recognizes biometric information from a biometric object of the user through the biometric unit 125 and presets the recognized biometric information according to a preset biometric method. Convert to biometric information corresponding to the data structure, and to be used as the OTP driving information for authenticating that the OTP agent provided in the mobile phone 100 is provided through the biometric information, or that the OTP agent is generated. OTP generation information for processing, or OTP agent provided in the mobile phone 100 is included in the OTP medium authentication information transmitted to the server on the communication network, or OTP agent provided in the mobile phone 100 generates OTP Or a biometric processor 155 for processing to be used as a seed value of the terminal-side OTP generation information. It shall be.

The biometric processing unit 155 outputs a biometric interface requesting to recognize biometric information from the biometric object of the user through the screen output unit 110, and prints the fingerprint of the user through the biometric recognition unit 125. When the biometric information of the user is recognized from the biometric object corresponding to any one of the iris, the retina, and the face, the biometric information is converted into biometric information corresponding to a preset data structure according to a preset biometric method. It is characterized by.

According to an embodiment of the present invention, when the biometric information drives the OTP agent provided in the mobile phone 100, when the biometric information is read through the biometric unit 125, the biometric processor 155 checks the validity of the biometric information through biometric information (or biometric authentication information) stored in the USIM 140 / memory unit 150, and if the biometric validity is confirmed, the mobile phone It is characterized in that for driving the OTP agent provided in (100), in this case, the biometric processing unit 155 preferably performs the function of the OTP agent drive program for driving the OTP agent.

Alternatively, when the biometric information is used as OTP driving information for authenticating OTP generation by the OTP agent, when the biometric information is read through the biometric recognition unit 125, the biometric processing unit 155 ) Confirms the validity of the biometric information through the biometric information (or biometric authentication information) stored in the USIM 140 / memory unit 150, and checks the biometric validity verification result on the mobile phone 100. It may be used as a result of user authentication for generating an N-digit OTP for authenticating payment, or used as an OTP generation validity result for generating an N-digit OTP for authenticating payment of the mobile phone 100.

According to another embodiment of the present invention, when the biometric 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, through the biometric recognition unit 125 When predetermined biometric information is read, the biometric processing unit 155 may process the biometric information read through the biometric recognition unit 125 to be included in the OTP medium authentication information. Accordingly, before the biometric information is included in the OTP medium authentication information, the validity of the biometric information is verified through biometric information (or biometric authentication information) stored in the USIM 140 / memory unit 150. It is preferable to further include a function, and can be omitted when the biometric validity is processed by a server on a communication network.

According to another exemplary embodiment of the present invention, when the biometric information is used as a seed value of OTP generation information for generating OTP or OTP generation information for medium authentication, the OTP agent provided in the mobile phone 100 is used. When the biometric information preset through the unit 125 is read, the biometric processing unit 155 may read the biometric information read through the biometric unit 125 into the OTP generation information or the OTP generation information for medium authentication. Preferably, the biometric information is used as a seed value. When the biometric information does not include a code structure to use the information as a seed value of the OTP generation information or OTP generation information for medium authentication, the biometric information is used as the OTP. It is preferable to process into a code structure corresponding to the seed value of the generation information or the OTP generation information for medium authentication. The biometric processing unit 155 may store the biometric information stored in the USIM 140 / memory unit 150 before using the biometric information as a seed value of the OTP generation information or OTP generation information for medium authentication according to the intention of a person skilled in the art. It is possible to further include a function of confirming the validity of the biometric information through the identification information (or biometric authentication information).

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 OTP for authenticating the payment of the mobile phone 100 is input through a key input unit provided in the mobile phone 100, or a request is made to generate the OTP through a preset menu selection. Or, when an OTP generation command (or OTP agent driving command) is received through the mobile communication network, the user authentication unit 160 receives a user password or user personal identification number for user authentication through the screen output unit 110. Outputs a user authentication interface to input, and if a user password or a user personal identification number is input through the user authentication interface, processing a user authentication for generating an OTP of digits through the input user password or user personal identification number; Characterized in that the biometrics validation result is the N digits When used as a user authentication result to generate an OTP, 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 OTP is provided in the USIM 140 according to the exemplary embodiment of the present invention, the user authentication unit 160 inputs the user password through the USIM reader unit 145. Or transmits a user personal identification number to the USIM 140, and authenticates the user with respect to the user password or the user personal identification number processed by a PIN authentication function provided in the USIM 140 or a processing unit provided in the OTP applet. It is preferable to receive a result and read the user authentication result to confirm whether the user validity for generating the OTP in the mobile phone 100 is authenticated.

When the user authentication function for generating the OTP is provided in the memory unit 150 according to another embodiment of the present invention, the user authentication unit 160 is the user password or user personal identification number is input, Decrypting a user password or user personal identification number encrypted and stored in the memory unit 150 according to a predetermined decryption procedure, and comparing the input user password or user personal identification number with the decrypted user password or user personal identification number. It is preferable to process user authentication for generating the OTP in the mobile phone 100 through the user password or the user personal identification number (or verification operation).

Referring to FIG. 1, the mobile phone 100 confirms / determines one or more fixed seed values and dynamic seed values for generating the medium authentication OTP from the OTP generation information for the medium authentication, and the determined / determined one. And a code generation unit 175 for generating the OTP for medium authentication by substituting the fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm.

If the user authentication is processed by the user authentication unit 160 to be valid, the code generation unit 175 is for medium authentication for generating the media authentication OTP from the USIM 140 / memory unit 150 Confirm OTP generation information, identify one or more fixed seed values included in the OTP generation information for the medium authentication, determine one or more dynamic seed values through parameters included in the OTP generation information, and determine the one or more determined The fixed seed value and the dynamic seed value may be substituted into a predetermined OTP generation algorithm to generate an OTP for medium authentication.

Here, the OTP for medium authentication generated through the OTP generation information for the medium authentication, OTP generation information from the server on the communication network to the mobile phone 100 (that is, N (N> in the OTP agent provided in the mobile phone 100) 2) code values for authenticating the provision of one or more fixed seed values and information including parameters for generating a digit OTP).

Referring to FIG. 1, the mobile phone 100 includes information on OTP generation information for one medium authentication to be used to generate an OTP among m medium authentication OTP generation information stored in the USIM 140 and the 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 that transmits OTP generation information for generating an N-digit OTP to the mobile phone 100. It is done.

According to the exemplary embodiment of the present invention, the index processing unit 165 determines any index value among index values associated with m medium authentication OTP generation information stored in the USIM 140 / memory unit 150, Or determining an index value according to a preset order, or arbitrarily determining one of the remaining index values except for the previously determined index value, or determining one of the m index values according to a preset index policy. desirable.

When one of the index values associated with the m medium authentication OTP 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. Processed to be transmitted to a server on a communication network that transmits the OTP generation information that is included in the authentication information to generate an N-digit OTP to the mobile phone 100, or the server on the communication network after the mobile phone 100 is authenticated with the OTP medium And a communication channel, and transmits the determined index value to a 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 medium authentication OTP generation information is stored, the index processing unit 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 includes an OTP for authenticating the payment of the mobile phone 100 by the mobile phone 100 through the mobile communication network to generate an OTP for authenticating the payment of the mobile phone 100. And an authentication processing unit 170 for authenticating that the agent is an OTP medium. According to one skilled in the art, the authentication processing unit 170 transmits the OTP for medium authentication to a server on a communication network in the OTP medium authentication process. It is possible to transmit.

If the user authentication for generating the OTP in the mobile phone 100 is processed by the user authentication unit 160 is valid, the authentication processing unit 170 is provided in the USIM 140 / memory unit 150 OTP equipped with the OTP agent for verifying the unique information of 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 the 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 includes the identified unique mobile phone 100 information, and according to the intention of the person skilled in the art, the OTP or user password or It is preferable to further comprise a user identification number.

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 mobile phone 100 includes unique information and an index value. Preferably, the mobile phone 100 further includes an OTP or a user password or a user personal identification number.

If the biometric information is included in the OTP medium authentication information, the OTP medium authentication information preferably includes the mobile phone 100 unique information and biometric information, and the index value or the user password or the user's personal information. Identification number may be included in the OTP medium authentication information according to the intention of the skilled person.

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 code value generated by concatenating (or combining) the data to form the OTP medium authentication information or by substituting the user password or the user personal identification number and the mobile phone 100 into a preset code generation algorithm. It is possible to determine the OTP medium authentication information, and 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, the generated media verifier and the user password or user personal identification number, at least OTP medium authentication information including one or more random number information, the unique information of the mobile phone 100 can be generated.

According to another exemplary embodiment of the present invention, the OTP medium authentication information may be generated by the processing unit of the OTP applet provided in the USIM 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 communication network receiving the OTP medium authentication information receives the OTP medium authentication information (decryption if encrypted), and the mobile phone 100 unique information and the mobile phone 100 included in the received OTP medium authentication information The mobile phone 100 authenticates the mobile phone 100 by comparing (or verifying) the unique information of the mobile phone 100 registered to authenticate with an OTP medium provided with an OTP agent for authenticating the payment of the mobile phone 100. It characterized in that the authentication with the OTP medium equipped with an OTP agent.

If the OTP medium authentication information further includes 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, the server on the network is the OTP medium It is preferable to process the user authentication by comparing (or verifying) the user password or user personal identification number included in the authentication information and the registered user password or user personal identification number in association with the unique information of the mobile phone 100.

According to an embodiment of the present invention, the authentication processing unit 170 (or processing unit of the OTP applet) further includes a medium authentication OTP provided in the USIM 140 / memory unit 150 in the OTP medium authentication information. To be transmitted to a server on the communication network.

Referring to FIG. 1, the mobile phone 100 includes a code transmission unit for transmitting an OTP for medium authentication provided in the USIM 140 / memory unit 150 to a server on a communication network through the wireless communication unit 135. 180) further comprises.

When the OTP medium authentication information is included in the OTP medium authentication information through the authentication processing unit 170 and is not transmitted to the server on the communication network, the mobile phone 100 passes through the authentication processing unit 170 to the OTP medium. If authenticated, the code transmission unit 180 transmits the generated media authentication OTP to the server on the communication network through the wireless communication unit 135, and the medium authentication through the authentication processing unit 170 If the OTP is included in the OTP medium authentication information and transmitted to the server on the communication network, the code transmitter 180 may be omitted, and thus the present invention is not limited thereto.

In the server on the communication network, the mobile phone 100 is authenticated with an OTP medium equipped with an OTP agent for authenticating the payment of the mobile phone 100 (or the mobile phone 100 is authenticated with the provided OTP medium and user authentication is performed. Further processing), if the media authentication OTP generated through the media authentication OTP generation information is received, the server on the communication network confirms the media authentication OTP generation information associated with the unique information of the mobile phone 100.

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

If the server-side OTP generation information is confirmed, the server on the communication network generates OTP 'for the medium authentication through the OTP generation information for the medium authentication provided in the server, the OTP' for the medium authentication and the received medium authentication OTP generation information for comparing (or verifying) the OTP for generating the OTP of N (N> = 2) digits to the mobile phone 100 (that is, N (N> in the OTP agent provided in the mobile phone 100). (2) information for providing one or more fixed seed values and parameters for generating digit OTP), and if the validity of providing the OTP generation information is authenticated, the server on the communication network is provided. The OTP generation information is transmitted to the mobile phone 100 through the mobile communication network. The OTP generation information is a secure communication session provided between the mobile phone 100 and a server on a communication network. To be transmitted is encrypted by are preferred.

Referring to FIG. 1, the mobile phone 100 includes a receiving unit 185 for receiving OTP generation information for generating the OTP through the mobile communication network.

When the mobile phone 100 confirms and transmits the OTP generation information from the server on the communication network by being authenticated with an OTP medium equipped with an OTP agent for generating an OTP for authenticating the payment of the mobile phone 100 from the server on the communication network. The receiving unit 185 may receive the OTP generation information through the wireless communication unit 135. When the OTP generation information is encrypted, the receiving unit 185 may be decrypted according to a predetermined decryption procedure.

Here, the OTP generation information may be a preset OTP generation algorithm (eg, an algorithm for generating a code value of N (N> = 2) digits through one or more seed values) in an OTP agent provided in the mobile phone 100 and According to the OTP generation method, it is preferable to include one or more fixed seed values used to generate N (N> = 2) digits of OTP and parameters for determining dynamic seed values.

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

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

Referring to FIG. 1, when the mobile phone 100 receives OTP generation information for generating the OTP based on the user authentication result or the OTP medium authentication result, the mobile phone 100 may generate one or more OTPs from the OTP generation information. And an OTP generation unit 190 for identifying / determining the fixed seed value and the dynamic seed value and generating the OTP by substituting the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm. It features.

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 190 generates the received OTP. Identify at least one fixed seed value included in the information, determine at least one dynamic seed value through a parameter included in the OTP generation information, and set the at least one fixed seed value and the dynamic seed value at the predetermined OTP. The OTP of N (N> = 2) digits is generated by substituting the generation algorithm.

When the biometric information is used as the OTP generation information according to an embodiment of the present invention, the OTP generation unit 190 may include the biometric information (or the OTP generation information) at a fixed seed value included in the OTP generation information. Confirm the fixed seed value further including the biometric information processed to be used as a fixed seed value of the OTP generation information, or the OTP generation information does not include a separate fixed seed value. In the case of using a fixed seed value of, after checking with the biometric information (or the biometric information processed to be used as the fixed seed value of the OTP generation information), one or more parameters are included in the OTP generation information. Determine a dynamic seed value, and use the at least one fixed seed value and the dynamic seed value It is desirable to generate N (N> = 2) digits of OTP by substituting the algorithm.

Referring to FIG. 1, when the OTP is generated through the OTP generating unit 190, the mobile phone 100 outputs the generated OTP through the screen output unit 110. When the mobile phone 100 is provided with a near field communication means (not shown), the OTP output unit 195 transmits the generated OTP to the mobile phone 100 through the near field communication means. ) And the terminal (or device) located in the short distance.

When the OTP is generated, the OTP output unit 195 outputs the generated OTP in a predetermined area on the screen of the mobile phone 100 in association with the screen output unit 110.

According to an exemplary embodiment of the present invention, the OTP output unit 195 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 the OTP.

According to another exemplary embodiment of the present invention, the OTP output unit 195 outputs (or allocates) an OTP output region to a screen region currently output on the screen of the mobile phone 100 in association with the screen output unit 110. And outputting the generated OTP 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 195 is generated through the short range communication means. It is possible to output the 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 for authenticating the OTP, the OTP output unit 195 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 and an OTP for medium authentication for authenticating the mobile phone 200 to an OTP medium. Generation information and OTP generation information for generating an N-digit OTP in the mobile phone 200 are stored in the storage medium 265, and the mobile phone 200 is configured in the mobile phone 200 shown in FIG. 1. Providing a corresponding OTP agent (however, if the mobile phone 200 is provided with an OTP agent can be omitted), when using the mobile phone 200 as an OTP medium, OTP medium authentication information and media from the mobile phone 200 Receiving the OTP for medium authentication generated through the OTP generation information for authentication, the OTP medium authentication information is read, and the mobile phone 200 is first authenticated as an OTP medium, and the mobile phone 200 through the OTP for medium authentication. OTP Hawk After the second authentication, the OTP generation information corresponding to the mobile phone 200 is confirmed from the storage medium 265 and provided to the mobile phone 200, thereby making the mobile phone 200 payment from the mobile phone 200. FIG. 2 illustrates an OTP system configuration of a mobile phone 200 including an OTP operating system for processing to generate an N-digit OTP for authentication, and a person skilled in the art may refer to FIG. 2. And / or may be modified to infer various implementation methods (e.g., implementation methods in which some components are omitted, subdivided, or combined) for the mobile phone 200 OTP system configuration, but the present invention is directed to all inferred It is made, including the implementation method, 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 authentication requesting OTP authentication to a mobile phone 200 having the OTP agent configuration shown in FIG. 1 and a user having the mobile phone 200. In the request server 215, OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, OTP generation information for authenticating the mobile phone 200 to the OTP medium and the mobile phone 200 The OTP generating information for generating the N-digit OTP is linked and stored in the storage medium 265, and the mobile phone 200 provides an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. After the mobile phone 200 is provided with an OTP agent, it may be omitted). When the mobile phone 200 is used as an OTP medium, the mobile phone 200 is generated through OTP medium authentication information and OTP generation information for medium authentication from the mobile phone 200. Receive OTP for media authentication Read the OTP medium authentication information to first authenticate the mobile phone 200 as an OTP medium, and secondly authenticate the mobile phone 200 as an OTP medium through the OTP generation information for the medium authentication, and then store the storage medium. By confirming the OTP generation information corresponding to the mobile phone 200 from the (265) to provide to the mobile phone 200, the mobile phone 200 to generate an N-digit OTP for authenticating the payment of the mobile phone 200 It characterized in that it comprises an OTP operating system for processing, according to the intention of those skilled in the art, the user terminal 205 used by the user having the mobile phone 200 and the N-digit OTP generated by the mobile phone 200 It further comprises an OTP server 220 for authentication.

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 the user authentication by receiving a generation command (or OTP agent driving command), the mobile terminal 200 generates (or configures) OTP medium authentication information requesting to authenticate the OTP medium, and generates the OTP generation information for the medium authentication. Generate an OTP for medium authentication, transmit the OTP medium authentication information and OTP generation information for medium authentication to the OTP operating system, and generate the OTP operating system. It characterized in that when the authentication of the mobile phone 200 to the OTP medium, receiving the generation information from the OTP OTP operating system, generate OTP OTP generation information of the received N digits, and output.

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. The OTP authentication request server 215 generates a user information 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 the unique information and the 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. Receive OTP medium information further including information, and the OTP generation information for the medium authentication for authenticating the mobile phone 200 with the OTP medium to authenticate the mobile phone 200 payment and the N-digit number of the mobile phone 200 Generate (or assign) OTP generation information for generating an OTP, OTP generation information for medium authentication for authenticating the OTP medium information and the mobile phone 200 with an OTP medium, and an N-digit OTP in the mobile phone 200. OTP medium registration means 225 for storing the OTP generation information in association with the OTP generation information for generating the TP and the mobile phone 200 is registered as the OTP medium, the mobile phone 200 for the medium authentication OTP generation information It characterized in that it comprises a mobile phone processing means 230 for storing the USIM / memory unit provided in the mobile phone 200, OTP having the configuration shown in Figure 1 on the mobile phone 200 When the agent is not provided, the mobile phone processing means 230 provides the mobile phone 200 with the OTP agent program code corresponding to the configuration shown in FIG. 1.

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

In order to register the mobile phone 200 as an OTP medium in the OTP registration terminal, input the OTP medium information including mobile phone 200 unique information and customer information corresponding to the mobile phone 200 and further include biometric 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. An International Mobile Equipment Identity (MSSDN), a mobile station International ISDN Number (MSISDN), or an IC chip serial number constituting a USIM, or an OTP agent capable of generating the N-digit OTP by the mobile phone 200. 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 biometric information recognized from a user's biometric object, or biometric information for authenticating mall biometric information. In the case of checking the validity of the biometric information in the agent provided in the) or generating the OTP using the mobile phone 200 as an OTP medium, the biometric information may be omitted.

If the mobile phone 200 recognizes the biometric information from the user's biometric object and transmits the biometric information corresponding thereto, the biometric information may be a user validity having a mobile phone 200 registered as the OTP medium or It is preferably used to authenticate the OTP generation validity, or as a condition for providing OTP generation information to be provided 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 is preferably used to authenticate the user validity having the 200, or as a condition for providing OTP generation information to be provided 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 one or more M (M> = m> = 1) media authentication OTP generation information for authenticating 200) with an OTP medium and M OTP generation information for generating N-digit OTP in the mobile phone 200. After (or allocating), M index values are uniquely matched to the generated M medium authentication OTP generation information and OTP generation information.

Here, the OTP generation information for the medium authentication is provided to the mobile phone 200 and stored (or encrypted) in the USIM / memory unit provided in the mobile phone 200, and the OTP for medium authentication in the mobile phone 200. It is preferred to include one or more fixed seed values for generating the parameters and parameters for determining the dynamic seed value.

The OTP generation information is maintained on the OTP operating system and includes parameters for determining one or more fixed seed values and dynamic seed values for generating N-digit OTPs by an OTP agent provided in the mobile phone 200. It is preferable to make it.

The index value is a number / code value uniquely assigned in one-to-one matching so as not to overlap the M (M> = m> = 1) medium authentication OTP generation information and the OTP generation information. And an index for determining (or selecting) any one of the medium authentication OTP generation information and the OTP generation information which form a pair of the generation information and the OTP generation information.

The OTP medium information is received from the OTP registration terminal, OTP generation information for authenticating the medium for authenticating the mobile phone 200 to the OTP medium, and OTP generation information for generating N-digit OTP in the mobile phone 200. When generated (or assigned), the OTP medium registration means 225 stores the OTP medium information, the M medium authentication OTP generation information, OTP generation information, and index values in the storage medium 265.

When the mobile phone 200 is registered as the OTP medium by the OTP medium registration means 225, the mobile phone processing means 230, the mobile phone 200 corresponding to the unique information of the mobile phone 200 through a mobile communication network And the communication channel, and m (m <= M) medium authentication OTP generation information and its index value corresponding to a portion (or all) of the M medium authentication OTP generation information, OTP generation information, and index value. It provides to the mobile phone 200 through the communication channel to store in the USIM / memory unit provided in the mobile phone 200, the OTP medium information includes the biometric information, the mobile phone ( When confirming the biometric validity in 200, the mobile phone processing means 230 provides the biometric information (or biometric information for authenticating the biometric information) to the mobile phone 200 to the mobile phone 200 on 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 generation information for medium authentication through the separate channel to the mobile phone 200 ) Or the OTP agent program code and the m OTP generation information and index values for the medium authentication (the biometric information is included in the OTP medium information, and the biometric validity of the mobile phone 200 is improved). When confirming, the package data further includes the biometric information (or biometric information for authenticating the biometric information). Anything that is provided to the mobile phone 200 is possible, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the mobile phone processing means 230 may further provide OTP generation information for generating the N-digit OTP to the mobile phone 200, whereby the present invention is not limited thereto. No.

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

According to an exemplary embodiment of the present invention, a dedicated key button for requesting generation of an OTP is input through a key input unit provided in the mobile phone 200, or a request for generating an OTP through a preset menu selection is performed. Check (or extract) the unique information of the mobile phone 200 from the USIM / memory unit at 200), including the unique information of the mobile phone 200, and generated through OTP generation information for medium authentication provided in the mobile phone 200; When the OTP medium authentication information is further configured and further transmitted through the mobile communication network, the information receiving means 235 receives the OTP medium authentication information 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. Runs an agent, checks (or extracts) the unique information of the mobile phone 200 from the USIM / memory unit in the mobile phone 200, includes the unique information of the mobile phone 200, and authenticates the medium provided in the mobile phone 200. When the OTP medium authentication information is further configured through the OTP generation information, the OTP medium authentication information is generated through the mobile communication network. It characterized in that for receiving the medium OTP authentication information through the same network.

That is, the OTP medium authentication information includes the unique information of the mobile phone 200, or according to the intention of the person skilled in the art through the unique information of the mobile phone 200 and the OTP generation information for medium authentication provided in the mobile phone 200. It is preferable to include the generated OTP for medium authentication.

If the OTP medium authentication information does not include the OTP generation information for the medium authentication, the mobile phone 200 transmits the OTP generation information for the medium authentication through a separate channel, the information receiving means 235 It is preferable to receive the OTP generation information for the medium authentication from the mobile phone 200 through a separate channel, whereby the present invention is not limited.

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

When the OTP medium authentication information is received from the mobile phone 200, the medium authentication unit 240 includes an OTP including configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 265. Confirm the media information, compare (or verify operation) the configuration information included in the OTP medium authentication information with the configuration information included in the OTP medium authentication information, and as a result of the comparison (or verify operation) When the configuration information and the configuration information included in the OTP medium information stored in the storage medium 265 are matched (or matched), or a predicted result is obtained through a verification operation, a mobile phone transmitting the OTP medium authentication information ( 200 is first authenticated by the valid mobile phone 200 registered as the OTP medium by the OTP medium registration means 225.

When the medium authentication OTP is received from the mobile phone 200, the medium authentication means 240 checks the medium authentication OTP generation information corresponding to the mobile phone 200 from the storage medium 265.

If the M medium authentication OTP generation information is stored in the storage medium 265, and the index value corresponding to any one of the M medium authentication OTP generation information is received from the mobile phone 200, the medium authentication is performed. The means 240 is characterized by checking the medium authentication OTP generation information corresponding to the index value among the M medium authentication OTP generation information stored in the storage medium 265.

When the media authentication OTP generation information is confirmed, the media authentication means 240 checks one or more fixed seed values included in the media authentication OTP generation information, and checks the parameter included in the media authentication OTP generation information. Determine one or more dynamic seed values, generate the at least one fixed seed value and the dynamic seed value in a predetermined OTP generation algorithm in a predetermined OTP generation algorithm, and then generate the received OTP and the (Or verification operation) the received media authentication OTP ', and the received media authentication OTP' and the generated media authentication OTP 'match (or match), or a predicted result is obtained through a verification operation. The mobile phone 200 which has transmitted the OTP medium authentication information is first authenticated by a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225. The.

If the biometric information is included in the OTP medium authentication information, the medium authentication means 240 may use the biometric information matched with the biometric information included in the OTP medium authentication information from the storage medium 265. Or biometric authentication information), compare the biometric information included in the OTP medium authentication information with the biometric information included in the OTP medium information (or verify the biometric information), and compare the biometric information. As a result, when the biometric information included in the OTP medium authentication information and the biometric information included in the OTP medium information stored in the storage medium 265 are matched (or matched), or a predicted result is obtained through a verification operation. The mobile phone 200 having transmitted the OTP medium authentication information is authenticated to a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225, or the mobile phone 200 is authenticated. Characterized in that the validity to provide the OTP generation information to be provided as is confirmed.

According to an embodiment of the present invention, a process of first authenticating the mobile phone 200 as an OTP medium through the OTP medium authentication information, and a second authentication of the mobile phone 200 as an OTP medium through the OTP for medium authentication The process may be reversed or may be performed at the same time, thereby not limiting the present invention.

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 as the OTP medium It characterized in that the process to be validated for providing an OTP generated information to be provided to the mobile phone based 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 transmitting means 250 for confirming OTP generation information connected to the mobile communication network and information transmitting means 250 for transmitting the checked OTP generation information to the mobile phone 200 through the mobile communication network. When the index value is received from the mobile phone 200, the information checking means 260 confirms the OTP generation information corresponding to the index value among the M OTP generation information stored in the storage medium 265. When the index value is received from the mobile phone 200, server-side OTP generation corresponding to the index value among the M OTP generation information stored in the storage medium 265 Characterized in that the check information.

When the mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, and the validity for providing the OTP generation information to be provided to the mobile phone 200 or the validity of the mobile phone 200 is further authenticated. (Optional), the information checking means 260 checks the OTP 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 the user password or the user. Characterized by identifying the OTP generation information associated with the personal identification number.

When the OTP generation information is confirmed, the information transmitting means 250 transmits the OTP generation information to the mobile phone 200 through a communication channel connected to the mobile phone 200 through the mobile communication network. do.

According to another embodiment of the present invention, when the mobile phone 200 is provided with OTP generation information for generating the N-digit OTP, the information transmitting means 250 is the OTP medium authentication result only the mobile phone 200 In this case, the mobile phone 200 can generate an N-digit OTP through OTP generation information provided in the mobile phone 200 based on the OTP medium authentication result.

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. OTP authentication means for confirming generation information, generating N-digit OTP 'through the OTP generation information, and comparing (or verifying operation) the N-digit OTP and OTP' to authenticate whether the received OTP is valid ( 255), and the function of authenticating the OTP in the OTP authentication means 255 may be implemented in a separate OTP server 220, and the present invention includes all the inferred implementation methods. It is made clear.

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. Receives the OTP from the user terminal 205 through a communication network, and if the OTP is encrypted and transmitted, the decryption process according to a predetermined decryption scheme.

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 generation information connected to the unique information of the mobile phone 200 that generated the OTP, and from the confirmed OTP generation information. Identify one or more fixed seed values for generating OTP ', determine one or more dynamic seed values through the parameters included in the OTP generation information, and set the one or more fixed seed values and dynamic seed values that have been determined / determined. NTP OTP 'is generated by substituting the OTP generation algorithm.

When the N-digit OTP 'is generated, the OTP authentication means 255 or the OTP server 220 compares (or verifies) the received N-digit OTP with the generated OTP' to 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 ) OTP for authenticating payment is not authenticated, and the OTP authentication result is one or more OTPs of the OTP authentication request server 215, the user terminal 205, and the mobile phone 200 that require the OTP authentication result. Provide the 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 in response thereto, the OTP registration terminal is configured to The OTP medium information including the unique information and the customer information and further including the biometric information is input and configured through the mobile phone 200 and transmitted to the server (310).

The server receives OTP medium information including the mobile phone 200 unique information and customer information from the OTP registration terminal, and further includes biometric 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 an OTP medium is verified (320), the server authenticates M (M> = 1) media for authenticating the mobile phone 200 to the OTP medium as an OTP medium. Generating OTP generation information and M OTP generation information for generating N-digit OTP in the mobile phone 200, and generating M number corresponding to the M medium authentication OTP generation information and OTP generation information. After uniquely allocating an index value (330), the OTP medium information and the allocated (or generated) M medium authentication OTP generation information, OTP generation information, and index values are stored in the storage medium 265 in association. (335).

According to the embodiment of the present invention, it is possible to allocate only one medium of OTP generation information and OTP generation information for the medium authentication in the server. In this case, the server may not be assigned the index value.

Here, the OTP generation information for the medium authentication is provided to the mobile phone 200 and stored (or encrypted) in the USIM / memory unit provided in the mobile phone 200, and the OTP for medium authentication in the mobile phone 200. It is preferred to include one or more fixed seed values for generating the parameters and parameters for determining the dynamic seed value.

The OTP generation information is maintained on the OTP operating system and includes parameters for determining one or more fixed seed values and dynamic seed values for generating N-digit OTPs by an OTP agent provided in the mobile phone 200. It is preferable to make it.

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) media for authenticating the mobile phone 200 as an OTP medium by the OTP agent among the corresponding OTP agent program codes and the allocated M terminal OTP generation information and index values. Providing authentication OTP generation information to the mobile phone 200 (350), the mobile phone 200 records the OTP agent on a recording medium (for example, the program area of the USIM / memory unit) provided in the mobile phone 200 The m medium authentication OTP generation information and index values are connected to the OTP agent and stored in the USIM / memory unit provided in the mobile phone 200 (360).

On the contrary, if the mobile phone 200 is equipped with an OTP agent (345), the server authenticates the mobile phone 200 with the OTP medium by the OTP agent among the allocated M medium authentication OTP generation information and index values. M (1 <= m <= M) media authentication OTP generation information and index values for the mobile phone 200 are provided to the mobile phone 200 (355), and the mobile phone 200 provides the OTP generation information for the m medium authentication and 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 biometric 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 biometric information to the mobile phone 200 to provide the mobile phone 200. Stored in the USIM / memory unit provided in, the biometric information may be provided to the mobile phone 200 is included in the OTP generation information or OTP agent program code for the medium authentication.

According to another exemplary embodiment of the present invention, the server may further provide the mobile phone 200 with OTP generation information for generating the N-digit OTP, whereby the present invention is not limited thereto.

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

For example, FIG. 4 illustrates a method for transmitting the OTP medium authentication information to the OTP operating system including the OTP medium authentication information generated through the mobile phone 200 unique information, the index value, and the terminal-side OTP generation information corresponding to the index value. Although the present invention is not limited to this, the index value or the OTP for medium authentication is not included in the OTP medium authentication information, but may be transmitted to an OTP operating system through a separate channel. In addition, the OTP medium authentication information further comprises a user password or user identification number for user authentication in the OTP operating system, or transmit the user password or user identification number to the OTP operating system through a separate channel. All are possible, and the present invention can be modified through all the embodiments shown in FIG. It is clear that it includes law.

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 an OTP agent driving command) through the mobile communication network. ) Is received, requests user authentication for using the mobile phone 200 as an OTP medium by driving an OTP agent corresponding to the mobile phone 200 configuration shown in FIG. 1 (400), a user password or a user's personal User authentication is processed through the identification number (405).

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

If the user authentication is not effectively processed (410), the mobile phone 200 outputs user authentication error information (415), and terminates the OTP generation process for authenticating the mobile phone 200 payment.

On the other hand, if the user authentication is effectively processed (410), the mobile phone 200 determines any one of the index value to be used for OTP authentication for authenticating the payment of the mobile phone 200 of the m index values stored in the USIM / memory unit Confirm the determined index value and the OTP generation information for medium authentication corresponding to the index value (420), identify one or more fixed seed values included in the OTP generation information for the medium authentication, and One or more dynamic seed values are determined through parameters included in the OTP generation information, and the OTP for medium authentication is generated by substituting the at least one fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm (425). The mobile station 200 generates unique information on the mobile phone 200 corresponding to the mobile phone 200, the determined index value, and terminal-side OTP generation information corresponding to the index value. An OTP medium authentication information including OTP for medium authentication is configured (430), the communication channel is connected to the server, and the OTP medium authentication information is transmitted to the server through the communication channel (435).

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

The server receives the OTP medium authentication information through the communication channel, reads unique information of the mobile phone 200 included in the received OTP medium authentication information, and first authenticates the mobile phone 200 with an OTP medium ( 440).

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 exemplary embodiment of the present invention, when biometric information is further received through the process illustrated in FIG. 5, the server recognizes the biometric that matches the biometric information included in the OTP medium authentication information from the storage medium 265. Check the information (or biometric authentication information), compare the biometric information included in the OTP medium authentication information with the biometric information included in the OTP medium information (or verify the biometric information), and compare (or verify) the biometric information. Operation) result of the biometric information included in the OTP medium authentication information and the biometric information included in the OTP medium information stored in the storage medium 265 is matched (or matched), or a result previously predicted through a verification operation Once derived, it is desirable to authenticate the mobile phone 200 having transmitted the OTP medium authentication information to a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225. It is.

If the mobile phone 200 is not first authenticated with a valid OTP medium (445), the server transmits the OTP medium error information to the mobile phone 200 (450), and for authenticating the payment of the mobile phone 200. Terminate the OTP creation process.

On the other hand, if the mobile phone 200 is first authenticated as a valid OTP medium (445), the server is associated with the OTP medium information including the unique information of the mobile phone 200 for M medium authentication stored in the storage medium 265 Confirm OTP generation information for medium authentication corresponding to the index value among OTP generation information (455), and identify / determine one or more fixed seed values and dynamic seed values through OTP generation information for medium authentication, and confirm / determine the Substituting one or more fixed seed values and dynamic seed values into a predetermined OTP generation algorithm to generate an OTP 'for medium authentication, and then comparing (or verifying operation) the received OTP for medium authentication with the generated OTP' for medium authentication. In step 460, the mobile phone 200 authenticates as the OTP medium.

According to an embodiment of the present invention, a process of first authenticating the mobile phone 200 as an OTP medium through the OTP medium authentication information, and a second authentication of the mobile phone 200 as an OTP medium through the OTP for medium authentication The process may be reversed or may be performed at the same time, thereby not limiting the present invention.

If the mobile phone 200 is not authenticated as a valid OTP medium for the second time (465), the server transmits the OTP medium error information to the mobile phone 200 (445), and for authenticating the payment of the mobile phone 200. Terminate the OTP creation process.

If the mobile phone 200 is second authenticated as a valid OTP medium (465), the server generates M pieces of OTP information stored in the storage medium 265 in association with the OTP medium information including the unique information of the mobile phone 200. The OTP generation information corresponding to the index value is checked and transmitted to the mobile phone 200 through a communication channel (470). In response, the mobile phone 200 transmits one or more fixed seeds through the received OTP generation information. A value and a dynamic seed value are checked / determined, and the identified / determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm to generate and output N digits of the O digits (475).

According to another embodiment of the present invention, when the OTP generation information for generating the N-digit OTP is provided in the mobile phone 200, the server may provide only the OTP medium authentication result to the mobile phone 200. In this case, the mobile phone 200 may generate N-digit OTP through OTP generation information provided in the mobile phone 200 based on the OTP medium authentication result.

When the biometric information is used as the OTP generation information according to an embodiment of the present invention, the OTP generation unit is a fixed seed value included in the OTP generation information to the biometric information (or the fixed seed value of the OTP generation information). The fixed seed value further including the biometric information processed to be used as the reference information, or the fixed seed value of the OTP generation information without the separate fixed seed value included in the OTP generation information. In the case of using, the biometric information (or the biometric information processed to be used as a fixed seed value of the OTP generation information) is checked, and then one or more dynamic seed values are determined through parameters included in the OTP generation information. Determine and determine the at least one fixed seed value and the dynamic seed value by using a predetermined OTP generation algorithm. Assigned to it it is preferable to generate N (N> = 2) digits of the OTP.

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

More specifically, FIG. 5 recognizes the user's biometric information from a biometric object corresponding to any one of the user's fingerprint, iris, retina, and face in the process shown in FIG. 4, and the recognized biometric information is preset. After converting the biometric information corresponding to a predetermined data structure according to a biometric method, the OTP agent provided in the mobile phone 200 is driven or the OTP agent generates an OTP. It is shown as an implementation method used as OTP driving information for authenticating or included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 200 to the OTP operating system, which is common in the art. Those skilled in the art can refer to and / or modify this drawing 5 to implement various methods for the biometric processing process ( In other words, some steps may be omitted, or the order of implementation may be changed), but the present invention may include all the implementation methods inferred above, and the technical features may be modified only by the implementation method shown in FIG. It is not limited.

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 biometric interface for requesting recognition of biometric information from a biometric object of the user, and corresponds to any one of a fingerprint, an iris, a retina, and a face of the user. The biometric information of the user is recognized from the recognition target (500). If the biometric information is recognized from the user's biometric object (505), the mobile phone 200 converts the recognized biometric information into biometric information corresponding to a preset data structure according to a preset biometric method; In operation 510, the biometric validity is authenticated through the biometric information (or biometric authentication information) stored in the USIM / memory unit.

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

On the other hand, if the biometric 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 sent to the server, Alternatively, when the OTP agent is pre-driven, the biometric validation result is processed as a user authentication result, and then the OTP medium authentication information is configured and transmitted to the server through the process shown in FIG. .

If the biometric information is included in the OTP medium authentication information during the process shown in FIG. 4 (530), the mobile phone 200 adds the biometric 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, if the index value is not confirmed, the OTP generation information is omitted (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 N-digit OTP 'from the OTP generation information, determines one or more dynamic seed values through the parameters included in the OTP generation information, and the identification. The determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm to generate N digits of OTP '(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 to provide at least one interface related to the payment, the mobile phone 700 and the drawing 2 shown in FIG. 1 through an interface including a user interface for inputting the OTP of the interface in the user terminal 705 When the OTP operating system illustrated in FIG. 3 inputs and transmits the generated OTP, the OTP is received from the user terminal 705, the OTP is validated, and the mobile phone according to the OTP validation result is received. 700) shows a configuration of a system for processing a payment, and those skilled in the art to which the present invention pertains, refer to this drawing and / or 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 may be 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. And, it is natural 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 one 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 mobile phone company corresponding to the user mobile phone 700 and the user mobile phone 700 number 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 output 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. 2 to the OTP input interface through a key input means. Characterized in that the transmission 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 do.

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, The mobile terminal 700 provides a payment interface to the user terminal 705, or the mobile phone 700 payment interface is provided to the user terminal 705 through the mobile phone 700 payment system. .

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 can be output to the user terminal 705 through the communication means) is characterized in that it is made.

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 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 user social security number, and corresponding to the user mobile phone 700 through the mobile phone 700 payment interface Information receiving means 740 for receiving mobile carrier selection information, user mobile phone 700 number and user social security number information, and a mobile phone company server 710 corresponding to the received mobile carrier selection information. Transmits the resident registration number information, and corresponds to the user mobile phone 700 number and the user resident registration number verification result through the communication company server 710 And 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. Characterized in that formed by having the server use user's mobile phone through a 710 700 number and the user authentication unit 745 for authenticating the user to receive and read out the user authentication results corresponding to the check result of user social security number.

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 and authenticates the user who requested the micropayment.

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.

When the OTP interface providing means 735 connects the communication channel with the user terminal 705 and provides the OTP input interface to the user terminal 705 through the communication channel according to an embodiment of the present invention. The OTP receiving means checks the user terminal 705 information (for example, an IP address) from the communication channel providing 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 the 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 A communication session for receiving the user terminal 705 information (eg, an IP address) from an OTP authentication request server 715 and receiving the OTP from the user terminal 705 based on the user terminal 705 (eg, the user terminal ( It is preferable to connect a memory area allocated for receiving the OTP from the communication device 705 and a 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 association with the mobile phone 700 illustrated in FIG. 1, and the generated OTP is output through the user mobile phone 700. After processing, the user terminal 705 (or mobile phone 700) receives the generated OTP, characterized in that it comprises an OTP operating means 725 for validating the received OTP .

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 through the communication company server 710 to the communication fee for the user mobile phone 700 Process to be charged, and transfers payment approval information for 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 communication service provider 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 relays the web server directly to the user terminal 705 or through the communication network to which the user terminal 705 is connected. In order to provide a mobile phone 700 payment interface for 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 (805), the user terminal 705 receives the The mobile phone 700 checks whether the mobile carrier selection information and the user mobile phone 700 number and the user social security number information received through the payment interface are received (810).

If the mobile communication company selection information, the user mobile phone 700 number and the user social security number information are received from the user terminal 705 (815), the server sends the user to the communication company server 710 corresponding to the mobile communication company selection information. Request for user authentication by transmitting the mobile phone 700 number and user social security number information, and configures the user authentication results for the user mobile phone 700 number and user social security number information through the subscriber D / B in the communication company server 710 When transmitting, the user authentication result is received and read, and the mobile phone 700 authenticates the user who requested the micro payment (820).

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. After processing 700 to provide an interface for inputting the OTP generated by linking the OTP operating system shown in FIG. 2, the OTP is generated / authenticated through the process shown in FIGS. 4 to 6. And, showing the process of processing the payment of the mobile phone 700 according to the OTP authentication result, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 9 to verify the OTP Various implementation methods (for example, some steps may be omitted or the order may be changed) for the mobile phone 700 payment process using the information may be inferred, but the present invention It is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 9.

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 The first authentication of the mobile phone as a valid OTP medium through OTP medium authentication information received from the mobile phone every time, and the mobile phone as a valid OTP medium through the received OTP generated through the terminal-side OTP generation information provided in the mobile phone. Second authentication, authentication of the user's living body (eg, fingerprint, iris, retina, face), and authentication of the mobile phone user being a valid user, thereby illegally accepting mobile phone payment using the mobile phone and personal information of another person There is an advantage to block things in advance.

Another object of the present invention, when providing a mobile phone payment using OTP, OTP generation information associated with the biometric information recognized from the user's biometrics through the mobile phone in the server on the communication network according to the authentication result to the mobile phone, By generating and outputting the N-digit OTP through the OTP generation information in the mobile phone, there is an advantage that the N-digit OTP for mobile phone payment is generated and output only by the mobile phone registered as a valid OTP medium.

Claims (7)

OTP medium information including mobile phone unique information registered in the server as an OTP (One Time Password) medium and biometric information recognized from the user's living body, and a terminal provided in the USIM (or memory) of the mobile phone registered as the OTP medium. Storing and maintaining side OTP generation information and OTP generation information for generating O (N> = 2) digits 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 the USIM (or memory) of the mobile phone and biometric information recognized from the user's living body; The server first authenticates the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information. Generating an OTP 'from the terminal-side OTP generation information associated with the biometrics of the user from the terminal, and comparing (or verifying) the received OTP with the second OTP medium; Transmitting, by the server, OTP generation information associated with biometrics of the user from the storage medium to the mobile phone when the mobile phone is authenticated with the OTP medium by the first and second authentications; When the user terminal or the mobile phone transmits the N-digit OTP, checking, by the server, OTP generation information associated with the biometrics of the user from the storage medium; Generating an N-digit OTP 'through the OTP generation information 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 multi-authentication method that works with biometrics. The method of claim 1, And a code value corresponding to the biometric information in the information generating the N-digit OTP. The method of claim 1, The mobile phone transmits OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and biometric information recognized from the user's living body, and OTP generated through the terminal-side OTP generation information to a server on a communication network. step; And And transmitting the OTP generation information from the server, generating the N-digit OTP by receiving the OTP generation information in the mobile phone. How to pay for your 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. OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium and biometric information recognized from a user's living body, and a terminal-side OTP provided in the USIM (or memory) of the mobile phone registered as the OTP medium. A storage medium storing generation information and OTP generation information for generating an OTP having N (N> = 2) digits; 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 biometric information recognized from the user's living body; Comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information, the mobile phone is first authenticated with an OTP medium that generates (or outputs) an N-digit OTP, and the user from the storage medium. Medium authentication means for generating an OTP 'through the terminal-side OTP generation information associated with the biometric recognition of the second terminal and comparing (or verifying) the received OTP to second authenticate the mobile phone with the OTP medium; Information checking means for confirming OTP generation information associated with biometrics of the user from the storage medium when the mobile phone is authenticated with the OTP medium by the first and second authentication means; Information transmitting means for transmitting the OTP generation information to the mobile phone; OTP authentication means for authenticating the validity of the N-digit OTP by generating an N-digit OTP 'through the OTP generation information when the N-digit OTP is received from the user terminal or the mobile phone; And And 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, After confirming the OTP generation information associated with the biometrics of the user from the storage medium, the N-digit OTP 'is generated through the OTP generation information, and the received N-digit OTP and the generated N-digit OTP' are generated. Comparing (or verification operation) to the mobile phone payment system through the OTP authentication of the multi-factor authentication method in conjunction with biometrics, characterized in that to authenticate the validity of the N-digit OTP.

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