KR20100136367A - System and method for settling mobile phone by combinational otp authentication and recording medium - Google Patents

Abstract

PURPOSE: The expenses settling method through mobile phone through the combined one time password authentication and system and recording medium therefor is created OTP of N digit by using the OTP creation information. CONSTITUTION: The cellular phone(100) comprises the controller(105), on screen display(110), and the sound processing unit(115) and key input unit(120). The cellular phone comprises USIM(Universal Subscriber Identity Module)(135) corresponding to the IC chip storing the wireless communications unit(130), and the memory unit(145) and general purpose subscriber identity.

Description

System and Method for Settling Mobile Phone by Combinational OTP Authentication and Recording Medium}

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

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

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

4 is a diagram illustrating an OTP generation process according to an embodiment of the present invention.

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

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

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

8 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: battery

130: wireless communication unit 135: USIM

140: USIM reader unit 145: memory unit

150: user authentication unit 155: authentication processing unit

160: receiving unit 165: information configuring unit

170: OTP generating unit 175: OTP output unit

According to the present invention, 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. If the mobile phone is authenticated whether the mobile phone is a valid OTP medium through the medium authentication information, and the OTP is generated and provided to the mobile phone through server-side OTP generation information according to the OTP medium authentication result, the mobile phone terminal OTP generation information and the reception are received from the mobile phone. OTP generation information is configured by combining the generated OTPs, and after generating and outputting N-digit OTPs through the OTP generation information, when the N-digit OTP is transmitted from the user terminal (or mobile phone), the N-digit OTP Providing a method and system for approving mobile phone payment through validation for A.

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 is 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 part, whenever the OTP is generated, the mobile phone is authenticated as a valid OTP medium, and the mobile phone user is authenticated as a valid user.

Another object of the present invention, when generating a mobile phone payment using the OTP, if the OTP is generated by the server on the communication network based on the OTP medium authentication result and provides the OTP to the mobile phone, the terminal-side OTP generated from the mobile phone OTP generation information is formed by combining information and the received OTP, and then N-digit OTP is generated and output through the OTP generation information, thereby generating N-digit OTP for mobile phone payment only by a mobile phone registered as a valid OTP medium. And output.

Mobile phone payment method through the combined OTP authentication in accordance with the present invention, OTP medium information including the unique mobile phone information registered as OTP (One Time Password) medium in the server and USIM (or memory) of the mobile phone registered as the OTP medium Storing and maintaining the server-side OTP generation information and server-side OTP generation information for generating an OTP on a communication network in a storage medium, and selecting a mobile operator from a user terminal requesting a mobile phone payment using OTP and a user's mobile number. And when the user's social security number information is received, OTP medium authentication including mobile phone unique information stored in the USIM (or memory) of the mobile phone by connecting a communication channel with the mobile phone of the user according to the mobile phone subscriber authentication result from the mobile carrier in the server Receiving information, and the OTP medium information stored in the storage medium in the server; Comparing (or verifying) the OTP medium authentication information to authenticate the mobile phone with an OTP medium that generates (or outputs) an N (N> = 2) digit OTP; and when authenticating the mobile phone with an OTP medium, Generating, by the server, an OTP through server-side OTP generation information of the OTP medium stored in the storage medium, and transmitting the generated OTP to the mobile phone; and when the user terminal or the mobile phone transmits the N-digit OTP, Generating OTP by identifying server-side OTP generation information of the OTP medium from the storage medium, and configuring OTP generation information by combining the generated OTP and terminal-side OTP generation information, and generating the OTP in the server. Generating an N-digit OTP 'through the information and comparing (or verifying) the N-digit OTP received with the generated N-digit OTP' by the server; Including the step of authenticating the validity of the approval of OTP risu the mobile payment is characterized in that formed.

Mobile phone payment method using the combined OTP authentication in accordance with the present invention, the step of constructing the OTP medium authentication information including the unique information stored in the mobile phone USIM (or memory) in the mobile phone to the server on the communication network, the server in the When the OTP is generated and transmitted through the server-side OTP generation information, the mobile phone combines the terminal-side OTP generation information included in the USIM (or memory) and the received OTP to configure OTP generation information, and the mobile phone And generating an N-digit OTP through the OTP generation information.

In the mobile payment method through the combined OTP authentication according to the present invention, the OTP medium authentication information, characterized in that further comprises a user password or a user personal identification number, the server is the user password or user personal identification And authenticating the mobile phone with an OTP medium through a number.

On the other hand, the computer-readable recording medium, characterized in that for recording the program for executing the mobile phone payment method through the combined OTP authentication described above.

On the other hand, the mobile phone payment system through the combined OTP authentication in accordance with the present invention, OTP medium information including mobile phone unique information registered as OTP (One Time Password) medium and USIM (or memory) of the mobile phone registered as the OTP medium A storage medium storing terminal-side OTP generation information and server-side OTP generation information for generating an OTP on a communication network, and a mobile carrier selection information, a user's mobile phone number and a user's social security number information Is received, receiving information for receiving OTP medium authentication information including mobile phone unique information stored in the USIM (or memory) of the mobile phone by connecting a communication channel with the mobile phone of the user according to a mobile phone subscriber authentication result through the mobile communication company. Means for comparing the OTP medium information stored in the storage medium with the OTP medium authentication information. Media authentication means for authenticating (or verifying) the mobile phone with an OTP medium for generating (or outputting) an N (N> = 2) digit OTP, and when the mobile phone is authenticated with an OTP medium, OTP generation means for generating an OTP through the server-side OTP generation information for the OTP medium, OTP transmission means for transmitting the generated OTP to the mobile phone, and if N-digit OTP is received from the user terminal or the mobile phone, OTP authentication means for authenticating the validity of the N-digit OTP by generating an N-digit OTP 'through the server-side OTP generation information and the terminal-side OTP generation information, and the mobile phone payment according to the N-digit OTP validity authentication result. Characterized in that it comprises a payment processing means for approving.

In the mobile phone payment system through the combined OTP authentication according to the present invention, the OTP authentication means, by identifying the server-side OTP generation information for the OTP medium from the storage medium to generate the OTP, the generated OTP and the terminal After OTP generation information is configured by combining side OTP generation information, an N-digit OTP 'is generated through the OTP generation information, and the received N-digit OTP and the generated N-digit OTP' are compared (or verified). Operation) to authenticate the validity of the N-digit OTP.

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

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

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

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

According to an embodiment of the present invention, the mobile phone 100 includes a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 125, and the like in terms of hardware. Internally, a modem chip (for example, MSM series modem chip manufactured by Qualcomm, Inc.), which has functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, Various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier that amplifies a transmission signal, a high power amplifier (HPA), and an isolator that prevents a high power transmission signal from being reversed. RF / IF SAW filter for removing unwanted out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, and VCTCXO (Voltag) e Controlled Temperature Compensated X-tal Oscillator), a UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. Elements are gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, the modem chip is also integrated with various functions for various multimedia services or various additional services.

Referring to FIG. 1, the mobile phone 100 includes a control unit 105 corresponding to the modem chip, a screen output unit 110 corresponding to a liquid crystal display (LCD), and a structure corresponding to the component. Sound processing unit 115 corresponding to the microphone / speaker, Key input unit 120 corresponding to the keypad, Wireless communication unit 130 corresponding to the antenna and various RF modules, Memory unit 145 corresponding to the nonvolatile memory And a Universal Subscriber Identity Module (USIM 135) corresponding to an integrated circuit (IC) chip that stores universal subscriber identification information, and a USIM reader unit for reading / writing information (or data) to the USIM 135 ( 140) and a battery 125 for power supply.

The controller 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a program routine or program for providing a function specific to the mobile phone 100 from a memory device. It comprises a bus (BUS) for inputting and outputting data and an electronic circuit (or integrated circuit) provided for this, from the memory unit 145 or a memory device (or chipset) to the execution memory in software Mobile phone 100 for a function of generating a N-digit OTP for authenticating the payment of the program routine or program data that is loaded and computed through the processor to perform a specific function. The program routine component corresponding to the OTP agent recorded on the recording medium of the The program routine included in the controller 105 is basically an operating system routine (not shown) and one or more system management routines (eg, a power management routine, a channel (forward / reverse)). Management routine, handoff routine, etc.), and various functional configurations to be implemented in the mobile phone 100 by the controller 105 are realized.

According to an exemplary embodiment of the present invention, after power is supplied to the mobile phone 100, the control unit 105 includes the operating system routine (not shown), one or more system management routines (not shown), and various system variables corresponding thereto. The mobile phone 100 includes a system setting detail state, a pilot channel acquisition detail state, a synchronization channel acquisition detail state, and a timing conversion detail state according to a booting procedure. The operation mode corresponding to the "mobile station initialization state" is set.

After performing the booting procedure, the operating system routine (not shown), one or more system management routines (not shown), and various system variables corresponding thereto are loaded into the execution memory included in the controller 105 and executed by the processor. By the arithmetic processing, the cellular phone 100 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state", thereby enabling mobile communication based wireless access and call processing (Call Processing). Perform the procedure.

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

The screen output unit 110 is a function configuration unit for checking the operation of each operation mode and the corresponding operation state of the mobile phone 100, one or more screens including an LCD provided in the mobile phone 100 And an output device and a driver for driving the screen output device, and outputs one or more key data input through the key input unit 120 in conjunction with the control unit 105 or the mobile phone ( Outputs a menu screen, a function processing screen, and a function processing result screen corresponding to one or more functions (or programs) included in 100, or one or more contents (eg, downloaded or provided) included in the mobile phone 100 (eg, Character content, image content, multimedia content).

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

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

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

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

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

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

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

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

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

The wireless communication unit 130 is a functional component that connects a wireless channel with a base station on a mobile communication network in which the cellular phone 100 operates based on WCDMA, and a CDMA modem and various RF modules (for example, a duplexer filter, a power amplifier, and a high output). High Power Amplifier (HPA), Isolator, RF / IF SAW Filter, Frequency Up Circuit, Frequency Down Converter, VCTCXO, UHF Frequency Synthesizer, etc.) And a location registration or a slot mode, a power control, or a hand-off corresponding to each operation mode of the mobile phone 100 in association with the controller 105. off) or call processing procedure.

According to another exemplary embodiment of the present invention, if the cellular phone 100 shown in FIG. 1 is a portable Internet terminal, the wireless communication unit 130 configures a wireless communication function for providing a portable Internet service by accessing an IEEE 802.16x based portable Internet. It is possible to include, it is possible to implement the present invention by modifying to other wireless communication configuration of various forms to provide wireless data communication in addition to the portable Internet, the invention is not limited by the configuration of the wireless communication unit 130 It is clear that no.

The USIM reader unit 140 is a function configuration unit for exchanging one or more information (or data or command) with the USIM 135 mounted on or detached from the mobile phone 100 through a standard including ISO / IEC 7816. And a contact type IC card reader corresponding to the ISO / IEC 7816 standard, wherein the IC card reader has one or more information (or data) with the USIM 135 through an application protocol data unit (APDU). , Or command).

The USIM 135 mounted on or detached from the mobile phone 100 is an IC chip conforming to the ISO / IEC 7816 standard. Referring to the ISO / IEC 7816 standard, the USIM 135 is a power supply (VCC), Communicating with the USIM reader 140 via a contact point such as a reset signal RST, clock signal CLK, ground GND, programming power supply (VPP), input / output (I / O), etc. Etc.), a processor unit comprising one or more arithmetic elements including a central processing unit (CPU), a micro process unit (MPU), a coprocessor, and the like, a read only memory (ROM), and a random access memory (RAM). It is composed of a memory consisting of one or more memory elements, including Access Memory (EEPROM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM), and the like, in particular one or more of Manage internal resources of IC card An operating chip operating system (COS) is stored. When power is supplied from the USIM reader unit 140 through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory is loaded into the execution memory. And control the overall operation of the USIM 135 and communicate with the USIM 135 through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. Controls information or data exchange between the USIM reader unit 140.

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

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

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

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

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

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

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

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

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

According to an embodiment of the present invention, the storage unit of the OTP applet, one or more registered in the server on the communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the N-digit OTP Preferably, the mobile phone 100 stores unique information, and according to the intention of a person skilled in the art, the unique information of the mobile phone 100 may be stored in a fixed storage area of the USIM 135 memory in addition to the storage of the OTP applet. Chip information may be included.

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

According to an embodiment of the present invention, the memory of the USIM 135 is divided into a subscriber information area having a fixed memory address and an application area having a directory file (EFdir) structure, and the application area is based on ISO / IEC 10202. And a security structure, wherein the memory includes a protected area in which secret information such as a chip serial number (CSN) is stored, a COS control area, a user application area, a read / write access area, an application program area, and FAT (File Allocation Table) management area, etc. The OTP applet is preferably stored in a separate designated storage area, except for the protected area and the COS control area.

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

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

According to the exemplary embodiment of the present invention, the memory unit 145 may store the terminal-side OTP generation information for generating the N-digit OTP in the mobile phone 100.

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

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

According to an embodiment of the present invention, the memory unit 145 is one or more mobile phones registered in the server on the communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the N-digit OTP (100) It is desirable to store the unique information.

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

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

A dedicated key button for requesting to generate an N-digit OTP for authenticating payment of the mobile phone 100 is input through a key input unit provided in the mobile phone 100, or the N-digit number is selected through a preset menu selection. When the user is requested to generate an OTP or an OTP generation command (or an OTP agent driving command) is received through the mobile communication network, the user authentication unit 150 uses the screen output unit 110 to authenticate a user password. Or outputting a user authentication interface for inputting a user personal identification number, and generating a digit OTP through the input user password or user personal identification number when a user password or a user personal identification number is input through the user authentication interface. Characterized in that for processing the user authentication.

When the user authentication function for generating the N-digit OTP is provided in the USIM 135 according to an embodiment of the present invention, the user authentication unit 150 inputs the input through the USIM reader unit 140. The user password or the user personal identification number to the USIM 135, the PIN authentication function provided in the USIM 135 or the user password or user personal identification number processed by the processing unit provided in the OTP applet Receiving a user authentication result for the user, it is preferable to read the user authentication result to confirm whether the user validity for generating the N-digit OTP in the mobile phone 100 is authenticated.

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

Referring to FIG. 1, the mobile phone 100 authenticates the mobile phone 100 by the mobile phone 100 through the mobile communication network to generate an N-digit OTP for authenticating the mobile phone 100 payment. Characterized in that it comprises an authentication processing unit 155 for authenticating that the OTP medium is provided with an OTP agent.

If the user authentication for generating the N-digit OTP is valid in the mobile phone 100 by the user authentication unit 150, the authentication processing unit 155 is the USIM 135 / memory unit 145 OTP agent for verifying the unique information provided in the mobile phone 100, the OTP medium authentication information including the unique information of the mobile phone 100 to the mobile phone 100 to authenticate the mobile phone 100 payment Characterized in that the transmission to the server on the communication network to authenticate that the provided OTP medium.

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

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

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

Alternatively, the authentication processing unit 155 hashes the user password or user personal identification number through a one-way hash function, the hashed user password or user personal identification number, at least one random number value, the mobile phone 100 XOR calculation of at least one unique information (or unique information of the mobile phone 100 hashed by one-way hash function) to generate a media verifier, the generated media verifier and the user password or user personal identification number, at least one or more OTP medium authentication information including the random number information, the mobile phone 100 unique information can be generated.

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

If the USIM 135 is provided with the mobile phone 100 unique information, and the processing unit of the OTP applet generates the OTP medium authentication information, the processing unit of the OTP applet includes the mobile phone 100 unique information Generating OTP medium authentication information, or generating the OTP medium authentication information through a user password or a user personal identification number provided by the user authentication unit 150 to the USIM 135 and the mobile phone 100 unique information, It is possible to transfer the generated OTP medium authentication information to the authentication processing unit 155, it is also possible to encrypt the OTP medium authentication information in the USIM (135) according to the intention of those skilled in the art.

Alternatively, when the unique information of the mobile phone 100 is provided in the memory unit 145, and the OTP medium authentication information is generated by the processing unit of the OTP applet, the authentication processing unit 155 unique information of the mobile phone 100. To the USIM 135, the processing unit of the OTP applet generates OTP medium authentication information including the unique information of the mobile phone 100, or by the user authentication unit 150 to the USIM 135 It is possible to generate the OTP medium authentication information through the provided user password or user personal identification number and the unique information of the mobile phone 100, and transfer the generated OTP medium authentication information to the authentication processing unit 155, which is intended by those skilled in the art. Accordingly, the USIM 135 may encrypt the OTP medium authentication information.

When OTP medium authentication information including unique information of the mobile phone 100 is generated, the authentication processor 155 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 130 according to a secure communication session established with the server on the communication network. The server on the receiving side receives the OTP medium authentication information (decryption when encrypted), and authenticates the mobile phone 100 unique information included in the received OTP medium authentication information and the mobile phone 100 payment of the mobile phone 100 The mobile phone 100 is connected to the mobile phone 100 by comparing (or verifying) the unique information of the mobile phone 100 registered to authenticate with an OTP medium equipped with an OTP agent. A characterized in that the authentication by the media provided with the OTP OTP agent for authentication.

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

When the server on the communication network authenticates the mobile phone 100 with an OTP medium equipped with an OTP agent for authenticating payment of the mobile phone 100 (or authenticates the mobile phone 100 with the provided OTP medium and authenticates the user. If further processed), the server on the communication network server-side OTP generation information associated with the unique information of the mobile phone 100 (that is, information including one or more fixed seed values and parameters for generating the OTP generation value) Confirm / determine one or more fixed seed values and dynamic seed values for generating the OTP generation value through the server-side OTP generation information, and set the one or more fixed seed values and dynamic seed values The OTP generation value is generated by substituting an OTP generation algorithm, and the OTP generation value is transmitted to the mobile phone 100 through the mobile communication network. With, and the OTP value generated is preferably encrypted by a secure transport communications session provided between the mobile phone 100 and the server on the communication network.

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

The terminal-side OTP generation information in the server on the communication network by being authenticated with an OTP medium equipped with an OTP agent for generating an N-digit OTP for authenticating the payment of the mobile phone 100 in the server on the communication network. After generating and transmitting an OTP generation value to be combined (or associated) with, the receiver 160 receives the OTP generation value to be combined with (or associated with) the terminal-side OTP generation information through the wireless communication unit 130. When the OTP generation value is encrypted, the OTP is decrypted according to a preset decryption procedure.

Referring to FIG. 1, the mobile phone 100 confirms the terminal-side OTP generation information from the USIM 135 / memory unit 145, and combines the terminal-side OTP generation information and the received OTP generation value. (Or associated) an information constructing unit 165 constituting OTP generation information for generating N-digit OTPs, and one or more fixed seed values and dynamic seed values for generating the N-digit OTPs from the OTP generation information. It is characterized in that it comprises an OTP generating unit 170 for generating an N-digit OTP by confirming / determining, and substituting the identified or determined fixed seed value and dynamic seed value into a predetermined OTP generation algorithm.

When the user authentication is processed by the user authentication unit 150 or the OTP medium authentication is processed by the authentication processing unit 155 as valid, and an OTP generation value is received through the receiving unit 160. The information configuring unit 165 checks the terminal-side OTP generation information from the USIM 135 / memory unit 145, and checks the checked terminal-side OTP generation information and the OTP received through the receiving unit 160. The OTP generation information for generating N-digit OTPs is configured by combining (or linking) the generated values.

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

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

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

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

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

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

According to the exemplary embodiment of the present invention, the OTP output unit 175 outputs an OTP output screen on the screen of the mobile phone 100 in association with the screen output unit 110 and the generated OTP output screen. It is preferable to output N digits of OTP.

According to another exemplary embodiment of the present invention, the OTP output unit 175 outputs (or allocates) an OTP output area to a screen area currently output on the screen of the mobile phone 100 in association with the screen output unit 110. Preferably, the generated N-digit OTP is output to the OTP output region.

If the mobile phone 100 is provided with short-range communication means (eg, Bluetooth, infrared communication, RFID communication, RF communication, etc.), the OTP output unit 175 is generated through the short-range communication means. It is possible to output the N-digit OTP to the mobile phone 100 and the terminal (or device) located in the near field.

According to another exemplary embodiment of the present invention, when the generated OTP is provided on a communication network by the mobile phone 100 and transmitted to a server for authenticating the OTP, the OTP output unit 175 is the wireless communication unit 130. Connecting a secure communication channel (for example, an encryption / decryption based communication channel) for transmitting the OTP to a server that authenticates the OTP through a connection (if omitted), and authenticating the OTP through the secure communication channel. It is possible to directly transmit the generated OTP to the server, whereby the present invention is not limited.

2 is a diagram 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 a storage medium in which OTP medium authentication information corresponding to a mobile phone 200 registered as an OTP medium for authenticating payment of the mobile phone 200, terminal-side OTP generation information, and server-side OTP generation information are linked. 270, and provide the mobile phone 200 with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 (but, if the mobile phone 200 is equipped with an OTP agent, it can be omitted). After using the mobile phone 200 as an OTP medium, the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200, and the mobile phone 200 authenticates as an OTP medium. When the server-side OTP generation information corresponding to the mobile phone 200 is checked from the storage medium 270, an OTP generation value is generated and provided to the mobile phone 200, thereby allowing the mobile phone 200 to be connected to the mobile phone 200. Authenticate payment 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 a user, 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 intended to implement all the inferred implementations. It is made, including the 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. The request server 215 and the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, the terminal-side OTP generation information and the server-side OTP generation information are stored in the storage medium 270, and the mobile phone is stored. Providing an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to 200 (but, if the mobile phone 200 is equipped with an OTP agent, it may be omitted), the mobile phone 200 is OTP. When used as a medium, when the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200, and the mobile phone 200 is authenticated as an OTP medium, the storage medium 270. Server side OT corresponding to the mobile phone 200 OTP operating system for processing to generate the N-digit OTP for authenticating the payment of the mobile phone 200 by the mobile phone 200 by generating the OTP generation value and confirming the P generation information to provide to the mobile phone 200 It characterized in that it comprises a, the user terminal 205 used by the user having the mobile phone 200 according to the intention of those skilled in the art, OTP server 220 for authenticating the N-digit OTP generated in the mobile phone 200 ) Is further included.

According to the present invention, the OTP operating system, each means constituting the OTP operating system is implemented in the form of one integrated server, or each means (or a combination of two or more means) constituting the OTP operating system The server system is implemented in the form of each server, or some of the means for configuring the OTP operating system is implemented in the form of a server and the other part of the OTP server 220, OTP authentication request server 215, Each means for constituting one or more of the communication server servers 210 provided in the mobile communication network to which the mobile phone 200 is connected, or constituting the OTP operating system is the OTP server 220, OTP authentication The request server 215 and the carrier server 210 may be all distributed and implemented in the form of components of one or more servers, the OTP operating system is implemented And bayida put out to clarify SHALL not limited to the invention by the server type and implementation location and number.

The mobile phone 200 is registered with an OTP medium for authenticating payment of the mobile phone 200, and the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. A dedicated key button for requesting to generate an OTP is input through a key input unit provided in the mobile phone 200, or a request is made to generate an OTP through a preset menu selection, or an OTP through the mobile communication network. After user authentication by receiving a generation command (or OTP agent driving command), OTP medium authentication information requesting to authenticate the mobile phone 200 with the OTP medium is generated and transmitted to the OTP operating system, and the OTP operating system When the mobile phone 200 is authenticated as an OTP medium, the OTP generation value generated through the server-side OTP generation information from the OTP operating system can be obtained. And combine (or link) the terminal-side OTP generation information and the received OTP generation value included in the mobile phone 200 to configure OTP generation information for generating an N-digit OTP, and generate the OTP generation information. It is characterized by generating and outputting the N-digit OTP through.

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

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

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

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

Referring to FIG. 2, the OTP operating system includes an OTP medium information including unique information and customer information of the mobile phone 200 corresponding to the mobile phone 200 from an OTP registration terminal that registers the mobile phone 200 as an OTP medium. To generate the OTP generation information on the OTP operating system and the terminal-side OTP generation information to be included in the OTP generation information for generating an N-digit OTP in the mobile phone 200 to authenticate payment of the mobile phone 200. OTP medium registration means 225 for generating (or allocating) server-side OTP generation information and storing the OTP medium information, the terminal-side OTP generation information, and the server-side OTP generation information in a storage medium 270, and storing the OTP medium information. When the mobile phone 200 is registered as the OTP medium, the mobile phone processing means 230 for providing the terminal-side OTP generation information to the mobile phone 200 to store in the USIM / memory unit provided in the mobile phone 200When the mobile phone 200 is not equipped with the OTP agent having the configuration shown in Figure 1, the mobile phone processing means 230 is the mobile phone 200 to the It is characterized by providing an OTP agent program code corresponding to the illustrated configuration.

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 achieved.

In order to register the mobile phone 200 as an OTP medium in the OTP registration terminal, input (or confirm) OTP medium information including mobile phone 200 unique information and customer information corresponding to the mobile phone 200 through a communication network. When transmitting, the OTP medium registration means 225 receives the OTP medium information through the communication network.

The unique information of the mobile phone 200 included in the OTP medium information includes a mobile identification number (MIN), a serial number (ESN), and a subscriber identification number stored in a predetermined system area of a memory unit provided in the mobile phone 200. A separate OTP media identifier (e.g., registered to authenticate that the mobile phone 200 is an OTP medium equipped with an OTP agent capable of generating the N-digit OTP; , Code values that do not overlap).

Alternatively, the unique information of the mobile phone 200 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, and an IMEI in a fixed storage area of the USIM memory provided in the mobile phone 200. A mobile device identity (MSSI), a mobile station international ISDN number (MSISDN), or an IC chip serial number constituting a USIM, or 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 a user password or a user personal identification number designated by the user, and the user password or user personal identification number is a mobile phone registered with the OTP medium. It may be used to authenticate the user validity having the 200 or as a validation condition for generating an OTP generation value through the server-side OTP generation information.

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

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

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

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

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

If the OTP medium information is received or validity of using the mobile phone 200 as an OTP medium is authenticated, the OTP medium registration means 225, the mobile phone (200) to authenticate the mobile phone 200 payment; Generate (or assign) terminal-side OTP generation information to be included in OTP generation information for generating an N-digit OTP in step 200, and generate (or assign) server-side OTP generation information for generating an OTP generation value on the OTP operating system. Assignment).

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

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

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

When the mobile phone 200 is registered as the OTP medium by the OTP medium registration means 225, the mobile phone processing means 230, the mobile phone 200 corresponding to the unique information of the mobile phone 200 through a mobile communication network ) And a communication channel, and provide the terminal-side OTP generation information to the mobile phone 200 through the communication channel and store the generated OIM information in the USIM / memory unit provided in the mobile phone 200.

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

Referring to FIG. 2, the OTP operating system includes information receiving means 235 for receiving OTP medium authentication information requesting to authenticate the mobile phone 200 as an OTP medium from the mobile phone 200 through a mobile communication network; And a medium authentication means 240 for authenticating the mobile phone 200 as an OTP medium by comparing (or verifying) the OTP medium authentication information with the OTP medium information stored in the storage medium 270. When the user password or user personal identification number is received from the mobile phone 200, the user password or user personal identification number is compared with the user password or user personal identification number stored in the storage medium 270 (or verification operation). It further comprises a user authentication means 245 for authenticating the user validity of the mobile phone 200 used as the OTP medium Is recommended.

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

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

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

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

When OTP medium authentication information is received from the mobile phone 200, the medium authentication means 240 includes an OTP medium including configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 270. Confirm the information, compare the configuration information included in the OTP medium authentication information with the configuration information included in the OTP medium information, and perform the comparison (or verify operation) as a result included in the OTP medium authentication information. Information and the configuration information included in the OTP medium information stored in the storage medium 270 is matched (or matched), or if a predicted result is obtained through a verification operation, the mobile phone 200 transmitting the OTP medium authentication information. ) Is authenticated by the valid mobile phone 200 registered as the OTP medium by the OTP medium registration means 225.

When the user password or the user identification number is included in the OTP medium authentication information or when the user password or the user identification number is received from the mobile phone 200 through a separate channel, the user authentication means 245, The user password or user identification number and the user password or user identification number included in the OTP medium information stored in the storage medium 270 is compared (or verified operation), and the comparison (or verification operation) result of the user password Alternatively, when the user personal identification number and the user password or the user personal identification number stored in the storage medium 270 are matched (or matched), or a predetermined result is obtained through a verification operation, the mobile phone 200 may be carried. The user authenticates as a normal valid user of the mobile phone 200 registered with the OTP medium, Group through the server-side OTP generation information characterized in that the process to be validated for creating OTP values generated check.

Referring to FIG. 2, if the mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, the OTP operating system may provide OTP medium information corresponding to the OTP medium authentication information from the storage medium 270. Information confirmation means 265 for identifying server-side OTP generation information associated with the server; and identifying / determining at least one fixed seed value and a dynamic seed value for generating the OTP generation value through the server-side OTP generation information; OTP generation means 260 for generating an OTP generation value by substituting the at least one fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm, and the generated OTP generation value through the mobile communication network. Characterized in that it comprises an OTP transmission means 250 for transmitting to 200.

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

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

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

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

Referring to FIG. 2, the OTP operating system receives an N-digit OTP generated by an OTP agent provided in the mobile phone 200 through a communication network, and is connected to the mobile phone 200 unique information generating the OTP. Check the OTP generation information on the side, generate the OTP generation value by checking the server side OTP generation information (or confirm the OTP generation value provided to the mobile phone 200), and combine the terminal-side OTP generation information and the OTP generation value. Configure OTP generation information for generating N-digit OTP ', generate N-digit OTP' through the OTP generation information, and compare (or verify operation) the N-digit OTP ' It is characterized in that it comprises an OTP authentication means 255 for authenticating whether the OTP is valid, the function of authenticating the OTP in the OTP authentication means 255 may be implemented in a separate OTP server 220, The present invention Bayida put out to clarify the yirueojim including all embodiments possible way inference group.

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

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

When the OTP is received, the OTP authentication means 255 or the OTP server 220 confirms terminal-side OTP generation information connected to the unique information of the mobile phone 200 that generated the OTP from the storage medium 270.

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

When the terminal-side OTP generation information and the OTP generation value are confirmed, the OTP authentication means 255 or the OTP server 220 generates the N-digit OTP 'including the terminal-side OTP generation information and the OTP generation value. Configure one or more fixed seed values for generating the N-digit OTP 'from the OTP generation information, and determine one or more dynamic seed values through parameters included in the OTP generation information. The N-digit OTP 'is generated by substituting the at least one fixed seed value and the dynamic seed value into a predetermined OTP generation algorithm.

When the N-digit OTP 'is generated, the OTP authentication means 255 or the OTP server 220 compares (or verifies) the received N-digit OTP with the generated OTP' to 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 correspondingly, the OTP registration terminal uses the OTP medium registration interface. The mobile terminal 200 inputs and configures OTP medium information including unique information and customer information, and transmits the information to the server (310).

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

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

On the other hand, if the validity of using the mobile phone 200 as the OTP medium is confirmed (320), the server generates the terminal-side OTP to be included in the OTP generation information for generating N-digit OTP in the mobile phone 200 in the OTP medium Generating (or allocating) information, generating (or allocating) server-side OTP generation information for generating an OTP generation value on the OTP operating system (330), and generating the OTP medium information and terminal-side OTP generation information and server-side. The OTP generation information is linked and stored in the storage medium 270 (335).

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

According to an embodiment of the present invention, the server is unique information of the mobile phone 200 and OTP agent information (eg, OTP agent version information, OTP issuer information, OTP usage information, OTP agent use) provided in the mobile phone 200 It is preferable to check whether the OTP agent is provided in the mobile phone 200 through a database (not shown) or OTP server 220 or a communication company server 210 that stores 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. A corresponding OTP agent program code and terminal-side OTP generation information to be included in OTP generation information for generating an N-digit OTP by the OTP agent (350) and the mobile phone 200 The OTP agent is recorded on a recording medium (for example, a program area of the USIM / memory unit) provided in the mobile phone 200, and the terminal-side OTP generation information is connected to the OTP agent to provide a USIM / Stored in the memory unit (360).

On the other hand, if the mobile phone 200 is equipped with an OTP agent (345), the server provides the terminal 200 OTP generation information to be included in the OTP generation information for generating the N-digit OTP by the OTP agent to the mobile phone 200 In operation 355, the mobile phone 200 connects the terminal-side OTP generation information to an OTP agent recorded on a recording medium (eg, a program area of the USIM / memory unit) provided in the mobile phone 200. And stored in the USIM / memory unit provided at 200 (360).

4 is a diagram illustrating an OTP generation process according to an embodiment of the present invention.

In more detail, Figure 4 shows that after the user's mobile phone 200 is registered as an OTP medium through the process shown in Figure 3, the mobile phone 200 shown in Figure 1 and the OTP operating system shown in Figure 2 and As shown in FIG. 6, a process of generating N (N> = 2) digits by linkage, and a person having ordinary knowledge in the art to which the present invention pertains, will refer to and / or modify the drawing 4 to generate the OTP. Various implementation methods (e.g., some steps may be omitted, or the order may be changed) may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. The technical features are not limited only by the method.

In the following Figure 4, the OTP operating system shown in Figure 2 is referred to as "server" for convenience.

Referring to FIG. 4, after the user's mobile phone 200 is registered as an OTP medium through the process shown in FIG. 3, the mobile phone 200 is configured to authenticate payment of the mobile phone 200 through a key input means. A dedicated key button requesting to generate an N-digit OTP is inputted, or a request is made to generate the N-digit OTP through a preset menu selection, or an OTP generation command (or OTP agent driving command) through the mobile communication network. When this is received, by driving the OTP agent corresponding to the configuration of the mobile phone 200 shown in Figure 1 to request user authentication for using the mobile phone 200 as an OTP medium (400), user password or user personal identification User authentication is handled via a number (405).

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

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

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

According to the method of the present invention, the server checks the OTP medium information including the configuration information matching the configuration information included in the OTP medium authentication information from the storage medium 270, and included in the OTP medium authentication information The configuration information included in the OTP medium authentication information and the OTP medium stored in the storage medium 270 as a result of the comparison (or verification operation). If the configuration information included in the information is matched (or matched) or a result of the prediction is obtained through a verification operation, the OTP medium registration means 225 sends the mobile phone 200 which has transmitted the OTP medium authentication information. It is desirable to authenticate with a valid mobile phone 200 registered as an OTP medium.

If the mobile phone 200 is not authenticated as a valid OTP medium (435), the server transmits OTP medium error information to the mobile phone 200 (440), and generates an OTP for authenticating the payment of the mobile phone 200. End the process.

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

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

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

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

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

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

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

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

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

If the N-digit OTP 'is generated (525), the server compares (or verifies) the received N-digit OTP with OTP' to check the validity of the OTP for authenticating the payment of the mobile phone 200. (530).

According to the exemplary embodiment of the present invention, if the result of the comparison between the OTP and the OTP 'is matched (or matched), or a 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 (535), the server receives a predetermined OTP authentication result receiving means (for example, OTP authentication request server 215, user terminal 205, mobile phone) OTP authentication result corresponding to the OTP validity error (Including one or more of 200) (540).

On the other hand, if the OTP validity is confirmed (535), the server receives the OTP authentication result corresponding to the OTP validity check means (for example, OTP authentication request server 215, user terminal 205, mobile phone) One or more of &lt; RTI ID = 0.0 &gt; 200). &Lt; / RTI &gt;

6 is a diagram illustrating a configuration of an OTP-based mobile phone 600 payment processing system according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a mobile phone 600 payment processing system configuration having the OTP operating system shown in FIG. 2, and the mobile phone 600 is connected to a user terminal 605 connected to a small payment target website. After processing so that one or more interfaces related to payment are provided, the mobile terminal 600 and the mobile phone 600 shown in FIG. 1 are provided through an interface including a user interface for inputting an OTP among the interfaces. When the illustrated OTP operating system inputs and transmits an OTP generated in association, the OTP is received from the user terminal 605, the OTP is validated, and the mobile phone 600 according to the OTP validation result. ) Shows a configuration of a system for processing payment, and those skilled in the art to which the present invention pertains refer to and / or refer to FIG. In other words, various implementation methods (eg, some components may be omitted, subdivided, or combined) for the OTP-based mobile phone 600 payment processing system may be inferred. It is made, including the implementation 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 600 shown in FIG. 6 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 600. And, it is natural that the present invention includes all payment processing systems that can be inferred as described above.

Referring to FIG. 6, the mobile phone 600 payment processing system includes a user terminal 605 used by a user who accesses a small payment target website and a mobile phone 600 possessed by the user. It includes a user mobile phone 600 having a configuration of the mobile phone 600 provided, and sells the tangible / intangible goods to the user through the user terminal 605, and the payment amount for the sold goods to the user mobile phone ( 600) one or more OTP authentication request servers 615 that operate a micropayment target website that enables payment through a mobile phone 600 payment means imposed on a communication fee, and the user terminal 605 and the user mobile phone 600 And a mobile phone 600 payment system for processing the micro-payment in connection with the OTP-based mobile phone 600 and a telecommunication company server 615 on a mobile communication network to which the user mobile phone 600 is connected. The mobile phone 600 payment system is implemented in the form of a certificate server (or relay server) connected to the OTP authentication request server 615 and the communication company server 615, or the OTP authentication request server 615 It is possible to be implemented in the form of internal components of, or in the form of internal components of the telecommunications server 615, it is apparent that the present invention is not limited thereby.

The user terminal 605 includes one or more personal computers and laptops having a browser that can access the OTP authentication request server 615 that operates the micropayment target website, and the OTP authentication request server 615. Alternatively, the mobile terminal 600 receives one or more interfaces for payment of the mobile phone 600 from the payment system and outputs the information, and inputs one or more information for the mobile phone 600 payment through the user interface included in the interface to authenticate the OTP. Characterized in that the transmission to the request server 615 or the mobile phone 600 payment system.

According to the exemplary embodiment of the present invention, the user terminal 605 selects a mobile communication company corresponding to the user mobile phone 600 from the OTP authentication request server 615 or the mobile phone 600 payment system and the user mobile phone 600 number. And receiving a mobile phone 600 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 600 with the mobile phone 600 payment interface through a key input means; After inputting the user mobile phone 600 number and the user's social security number information transmitted to the OTP authentication request server 615 or mobile phone 600 payment system, the OTP authentication request server 615 or mobile phone 600 from the payment system OTP input interface for inputting OTP generated by linking the mobile phone 600 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 600 shown in FIG. 1 and the OTP operating system shown in FIG. Characterized in that the transmission to the OTP authentication request server 615 or mobile phone 600 payment system.

According to another exemplary embodiment of the present invention, the user terminal 605 may be selected from the OTP authentication request server 615 or the mobile phone 600 payment system and the mobile communication company selection information corresponding to the user mobile phone (600). 600) and the user's social security number information, the mobile phone 600 shown in Figure 1 and the OTP input system generated by linking the OTP operating system shown in Figure 2 is provided with a mobile phone 600 payment interface to the screen output means The mobile communication provider selection information, the user mobile phone 600 number and the user social security number information, and the mobile phone 600 shown in FIG. 1 and the OTP shown in FIG. Input the OTP generated in conjunction with the operating system to transmit to the OTP authentication request server 615 or mobile phone 600 payment system The.

The OTP authentication request server 615 sells tangible / intangible goods to the user through the user terminal 605 and charges the payment amount for the sold goods to the user mobile phone 600 communication fee. (600) A generic term for a server that operates a small payment target website that can be paid through a payment means, and when the user terminal 605 selects the mobile phone 600 payment means as the payment means for the payment amount, Providing the mobile phone 600 payment interface to the user terminal 605, or processing to provide the mobile phone 600 payment interface to the user terminal 605 through the mobile phone 600 payment system. do.

The user mobile phone 600 is a mobile phone 600 possessed by a user who purchases tangible / intangible goods sold by the OTP authentication request server 615, and the communication fee charged to the user mobile phone 600 is stored. A function of downloading an OTP agent for authenticating payment validity, and a function of generating an OTP by driving the OTP agent and outputting the generated OTP (for example, a screen output or a short range such as Bluetooth, Wi-Fi, RF communication, etc.). It is possible to output to the user terminal 605 through the communication means) characterized in that it comprises a.

According to the present invention, the user terminal 605 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 600 is an embodiment of the second terminal equipped with an OTP agent for authenticating the payment validity 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 landline phone / mobile phone 600 / VoIP phone of the user, 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 600 / VoIP phone, and if the first terminal is a mobile phone 600, the second terminal is a landline phone / VoIP). If the first terminal is a VoIP phone, the second terminal may include a landline / mobile phone (600).

That is, the user terminal 605 of the present application is not limited to the above-described wired terminal, and it is apparent that the user mobile phone 600 of the present application is also not limited to the mobile phone 600.

The communication company server 615 is a generic term for a server of a mobile communication company side provided on a mobile communication network to which the user mobile phone 600 is connected to interface with the mobile phone 600. The user mobile phone in the mobile phone 600 payment system. Message server, data exchange server, and swap for transmitting information (or data) requested to be provided to 600 to the user mobile phone 600 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 the exemplary embodiment of the present invention, the communication company server 615 queries the subscriber D / B (not shown) through the user mobile phone 600 number and the user social security number information to authenticate the user, and the user mobile phone 600 It is desirable to have a function of providing an OTP agent, or to manage the OTP agent provided to the user mobile phone 600 through a predetermined OTP server 620.

According to the exemplary embodiment of the present invention, the communication company server 615 may correspond to the user mobile phone 600 when the user mobile phone 600 is provided with an OTP agent or the OTP agent is provided to the user mobile phone 600. The mobile phone 600 number and the OTP agent information corresponding to the OTP agent provided in the user mobile phone 600 are preferably stored in association with each other.

Here, the OTP agent information, it is preferable that the at least one of the version information, OTP generation algorithm and OTP generation method of the OTP agent provided in the user mobile phone 600 corresponding to the mobile phone 600 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. 6 according to an exemplary embodiment of the present invention, the mobile phone 600 payment system selects a mobile communication company corresponding to the user mobile phone 600 from the user terminal 605 connected to the small payment target website. Interface providing means 635 for processing to provide a mobile phone 600 payment interface for inputting a user mobile phone 600 number and a user social security number, and a movement corresponding to the user mobile phone 600 through the mobile phone 600 payment interface Information receiving means 640 for receiving the communication company selection information, the user mobile phone 600 number and the user social security number information, and the mobile phone server 615 corresponding to the received mobile carrier selection information, the user mobile phone 600 and the user social security number Transmits information, and corresponds to a user's mobile phone 600 number and a user's social security number confirmation result through the communication company server 615. And user authentication means 645 for authenticating the user by receiving and reading a user authentication result, wherein the interface providing means 635 is provided to the user mobile phone 600 by the user terminal 605. It is characterized in that the processing to provide an OTP input interface for inputting the OTP generated by the provided OTP agent.

Referring to FIG. 6 according to another exemplary embodiment of the present invention, the mobile phone 600 payment system selects a mobile communication company corresponding to the user mobile phone 600 by the user terminal 605 accessing the small payment target website. And an interface for providing a mobile phone 600 payment interface for inputting a user mobile phone 600 number, a user social security number, and an OTP generated by linking the mobile phone 600 shown in FIG. 1 and the OTP operating system shown in FIG. Providing means 635 and information receiving means 640 for receiving mobile carrier selection information and user mobile phone 600 number, user social security number information and OTP corresponding to user mobile phone 600 through the mobile phone 600 payment interface. And transmitting the user's mobile phone 600 number and the user's social security number information to the communication company server 615 corresponding to the received mobile communication company selection information. Characterized in that formed by having the server use user's mobile phone through a 615 600 number and the user authentication unit 645 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 600 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 615, or the means are implemented in the form of components in the telecommunications server 615; Or some of the means is implemented as a component in the OTP authentication request server 615 and some is implemented as a component in the carrier server 615, or some of the means is a component in the OTP authentication request server 615 The other part is implemented as a component in the carrier server 615 and the other part may be implemented in a separate server form, all Group bayida put out to clarify SHALL not limited by the embodiment to which the present invention to implement a mobile phone 600, settlement systems.

According to an exemplary embodiment of the present invention, the user accesses the OTP authentication request server 615 to purchase tangible / intangible goods, and the user mobile phone 600 sets a payment amount corresponding to the purchase price for the goods. When the mobile phone 600 payment means is selected to pay through a communication fee charged to the user, the interface providing means 635 directly to the user terminal 605 through a communication network to which the user terminal 605 is connected, or The mobile phone 600 payment interface for relaying the OTP authentication request server 615 to select a mobile communication company corresponding to the user mobile phone 600 and input a user mobile phone 600 number and a user social security number to the user terminal 605. Characterized in that the processing to be provided.

When the mobile phone 600 payment interface is provided to the user terminal 605 by the interface providing means 635, the information receiving means 640 receives the payment interface of the mobile phone 600 from the user terminal 605. Connect the communication service for receiving the mobile communication company selection information and the user mobile phone 600 number and the user social security number information corresponding to the user mobile phone 600 input through the.

According to an embodiment of the present invention, the interface providing means 635 connects the communication channel with the user terminal 605, and provides the mobile phone 600 payment interface to the user terminal 605 through the communication channel. In one case, the information receiving means 640 checks the user terminal 605 information (eg, an IP address) from the communication channel provided with the mobile phone 600 payment interface to the user terminal 605, and the communication. A communication session (for example, the user terminal 605) for receiving the mobile communication company selection information corresponding to the user mobile phone 600, the user mobile phone 600 number and the user social security number information from the user terminal 605 based on a channel. Memory area and communication thread code allocated to receive the mobile communication company selection information, user mobile phone 600 number and user social security number information from ) It is preferred to connect.

According to another embodiment of the present invention, when the interface providing means 635 provides the mobile phone 600 payment interface to the user terminal 605 through the OTP authentication request server 615, the information receiving means ( 640 receives the user terminal 605 information (eg, an IP address) from the OTP authentication request server 615 and based on this, the mobile communication company corresponding to the user mobile phone 600 from the user terminal 605. Communication session for receiving selection information and user cellular phone 600 number and user social security number information (e.g., assigning to receive the mobile carrier selection information and user cellular phone 600 number and user social security number information from the user terminal 605) 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 600, the user mobile phone 600 number and the user social security number information, and the mobile communication company corresponding to the encrypted user mobile phone 600 It preferably comprises a secure communication session for decrypting the selection information and the user's mobile phone 600 number and user social security number information.

When the user terminal 605 and the communication session is connected, the information receiving means 640 is a mobile communication company selection information corresponding to the user mobile phone 600 and the user mobile phone 600 from the user terminal 605 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 600, the user mobile phone 600 number and the user social security number information are received from the user terminal 605, the user authentication means 645 corresponds to the mobile communication company selection information. The user's mobile phone 600 number and the user's social security number information is transmitted to the communication company server 615, and the user's authentication for the user's mobile phone 600 number and user social security number information through the subscriber D / B in the communication company server 615 When the result is configured and transmitted, the user authentication means 645 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 635 processes to provide an OTP input interface for inputting an OTP generated by an OTP agent provided in the user mobile phone 600 to the user terminal 605. Characterized in that.

According to an embodiment of the present invention, the OTP interface providing means 635 relays the OTP authentication request server 615 directly to the user terminal 605 through a communication network connected to the user terminal 605. Preferably, the user terminal 605 processes the OTP input interface to be provided.

When the OTP input interface is provided to the user terminal 605 by the OTP interface providing means 635, the OTP receiving means is configured to receive an OTP input through the OTP input interface from the user terminal 605. A communication session may be connected, and may be omitted when the user terminal 605 and the communication session are already connected.

When the OTP interface providing means 635 connects the communication channel with the user terminal 605 and provides the OTP input interface to the user terminal 605 through the communication channel according to an embodiment of the present invention. The OTP receiving means checks the user terminal 605 information (for example, an IP address) from the communication channel providing the OTP input interface to the user terminal 605, 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 605 and a communication thread code) for receiving the OTP from the 605.

According to another embodiment of the present invention, when the OTP interface providing means 635 provides the OTP input interface to the user terminal 605 through the OTP authentication request server 615, the OTP receiving means is the OTP. A communication session for receiving the user terminal 605 information (eg, an IP address) from the authentication request server 615 and receiving the OTP from the user terminal 605 based on the user terminal 605 (eg, the user terminal 605). It is preferable to connect the memory area allocated to receive the OTP from the communication thread and the communication thread code.

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

According to another exemplary embodiment of the present invention, the user accesses the OTP authentication request server 615 to purchase tangible / intangible goods and pays the payment amount corresponding to the purchase price of the goods to the user's mobile phone 600. When the mobile phone 600 payment means is selected to pay through the communication fee charged to the), the interface providing means 635 directly to the user terminal 605 through a communication network connected to the user terminal 605, Alternatively, the OTP authentication request server 615 may be relayed to the user terminal 605 to select the mobile communication company corresponding to the user mobile phone 600, the user mobile phone 600 number, the user social security number, and the mobile phone shown in FIG. 600) and the mobile phone 600 for inputting the OTP generated by linking the OTP operating system shown in FIG. The information receiving means 640 receives the mobile communication company selection information corresponding to the user mobile phone 600, the user mobile phone 600 number, the user social security number information and the OTP through the mobile phone 600 payment interface, and the user authentication means ( 645 transmits the user's mobile phone 600 number and the user's social security number information to the communication company server 615 corresponding to the received mobile carrier selection information, the user's mobile phone 600 and the user's social security number through the communication server server 615 Characterize the user by receiving and reading the user authentication result corresponding to the verification result.

Referring to FIG. 6, the mobile phone 600 payment system inputs an OTP generated by linking the mobile phone 600 shown in FIG. 1 and the OTP operating system shown in FIG. 2 to the user terminal 605. After the interface is provided, the OTP is generated to authenticate the payment of the mobile phone 600 in association with the mobile phone 600 shown in FIG. 1, and the generated OTP is output through the user mobile phone 600. After the processing, the user terminal 605 (or mobile phone 600) receives the generated OTP, characterized in that it comprises an OTP operating means 625 for validating the received OTP .

In FIG. 6, the OTP operating means 625 shows the OTP operating system shown in FIG. 2 in the form of an internal component of the payment system of the mobile phone 600. A detailed description thereof is shown in FIG. See OTP Operating System Configuration.

Referring to FIG. 6, when the payment validity is authenticated by the OTP operating means 625, the mobile phone 600 payment system processes the payment amount through the communication fee charged to the mobile phone 600. It is preferable that the payment processing means 650 is further provided.

According to the embodiment of the present invention, the payment processing means 650 confirms the payment amount to be charged to the communication fee of the user mobile phone 600 from the OTP authentication request server 615, and the communication company server 615 It is preferable to check the payment limit for the user mobile phone 600 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 600.

According to another exemplary embodiment of the present invention, the payment processing unit 650 may store and manage the user mobile phone 600 number and payment limit information corresponding thereto through a separate database, in which case the payment The processing means 650 inquires the payment limit for the user mobile phone 600 number through the database, and compares the payment amount with the payment limit to approve payment through the communication fee charged to the mobile phone 600. It is possible to do

When the payment using the communication fee charged to the mobile phone 600 is approved, the payment processing means 650 charges the communication fee for the user mobile phone 600 through the telecommunication company server 615. Process to transmit the payment approval information on the payment amount to the OTP authentication request server 615.

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

In more detail, Figure 7 shows the user terminal connected to the website for the micropayment process to provide a mobile carrier selection corresponding to the user's mobile phone and to provide an interface for inputting the user's mobile phone number and the user's social security number. Receives the mobile carrier selection information corresponding to the user's mobile phone and the user's mobile phone number and the user's social security number information through the user's authentication through the communication server server corresponding to the mobile carrier selection information, as shown in Figure 1 to the user terminal After providing the OTP input interface for inputting the OTP generated by linking the mobile phone and the OTP operating system shown in Figure 2, and generates / authenticates the OTP through the process shown in Figures 4 to 5, Process mobile phone payments based on OTP verification As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 7 and various implementation methods for a mobile phone payment process using the OTP verification information (for example, some steps The method may be omitted or the order may be changed). However, the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the mobile phone payment system shown in FIG. 6 is referred to as "server" for convenience, and the OTP authentication request server shown in FIG. 2 or FIG. 6 is referred to as "web server" for convenience.

Referring to FIG. 7, a mobile phone payment means for a user to access the web server to purchase tangible / intangible goods, and to settle a payment amount corresponding to the purchase price for the goods through a communication fee charged to the user's mobile phone. If 700 is selected, the server selects a mobile communication company corresponding to the user's mobile phone and the user's mobile phone number directly to the user terminal through the communication network to which the user terminal is connected, or relays the web server to the user terminal. The mobile phone payment interface for inputting the user social security number is provided (705), and the mobile phone company selection information and the user mobile phone number and the user social security number information received through the mobile phone payment interface are received from the user terminal (710). .

If the mobile communication company selection information, the user mobile phone number and the user social security number information is received from the user terminal (715), the server transmits the user mobile phone number and user social security number information to the mobile communication server server corresponding to the mobile communication company selection information to the user When the authentication request is made and the user's mobile phone number and the user's social security number information are configured and transmitted through the subscriber D / B in the communication company server, the user who receives and reads the user authentication result and requests the mobile payment is made. Authenticate (720).

If the user is not authenticated (725), the server generates a user authentication error and transmits to the user terminal (or user mobile phone) and the web server (730).

On the other hand, if the user is authenticated (725), the server generates an OTP to authenticate the mobile phone payment in connection with the mobile phone shown in Figure 1 through the process shown in Figures 4 to 5 to the user mobile phone The mobile terminal receives the OTP from the user terminal (or mobile phone) to authenticate the OTP validity for the mobile phone payment (735).

If the validity of the OTP for mobile phone payment is not authenticated (740), the server generates payment error information and transmits it to the user wired terminal (or user mobile phone) and the web server (745).

If the OTP validity for the mobile phone payment is authenticated (740), the server generates the payment validation result and transmits it to the user wired terminal (or user mobile phone) and the web server (750), the payment validation result In response to the payment authorization through the communication fee of the user's mobile phone is processed (755).

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

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

In more detail, FIG. 8 is a user terminal connected to a small payment target website, which selects a mobile carrier corresponding to a user's mobile phone, and user's mobile phone number and user social security number, the mobile phone shown in FIG. 1, and the OTP shown in FIG. After processing to provide an interface for inputting the OTP generated in conjunction with the system, to generate / authenticate the OTP through the process shown in Figures 4 to 5, and to process the mobile phone payment according to the OTP authentication result As shown in the drawings, those skilled in the art to which the present invention pertains, various implementation methods (eg, some steps) for the mobile phone payment process using the OTP verification information by referring to and / or modifying the drawing 8 May be omitted, or the order of implementation may be changed). It is made, including the method when, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the mobile phone payment system shown in FIG. 6 is referred to as "server" for convenience, and the OTP authentication request server shown in FIG. 2 or FIG. 6 is referred to as "web server" for convenience.

Referring to FIG. 8, a mobile phone payment means for a user to access the web server to purchase tangible / intangible goods, and to settle a payment amount corresponding to the purchase price for the goods through a communication fee charged to the user's mobile phone. If 800 is selected, the server directly selects a mobile communication company corresponding to the user's mobile phone and the user's mobile phone number to the user terminal by relaying the web server directly to the user terminal through a communication network connected to the user terminal. After processing to provide a mobile phone payment interface for inputting the user's social security number and the OTP generated by linking the mobile phone shown in FIG. 1 and the OTP operating system shown in FIG. 2 (805), the process shown in FIGS. Through the illustrated process, the OTP for authenticating the mobile phone payment in connection with the mobile phone shown in FIG. And receiving the OTP from the processing to be output to the property to the user's mobile phone, and the user terminal (or mobile phone) the OTP authentication validity for the mobile payment 810.

If the OTP validity for the mobile phone payment is not authenticated (815), the server generates payment error information and transmits it to the user wired terminal (or user mobile phone) and the web server (820).

If the OTP validity for the mobile phone payment is authenticated (815), the server generates the payment validation result and transmits it to the user wired terminal (or user mobile phone) and the web server (825), the payment validation result In response to the payment approval through the communication fee of the user mobile phone (830).

According to an embodiment of the present invention, the server confirms the payment amount to be charged to the user mobile communication fee from the web server, and inquiring a payment limit for the user mobile phone number in connection with the communication company server, the payment amount It is preferable to approve the payment through a communication fee imposed on the mobile phone by comparing the payment limit 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 By verifying whether the mobile phone is a valid OTP medium every time and authenticating whether the mobile phone user is a valid user, there is an advantage of preventing unauthorized payment of a mobile phone by using another's mobile phone and personal information.

Another object of the present invention, when generating a mobile phone payment using the OTP, if the OTP is generated by the server on the communication network based on the OTP medium authentication result and provides the OTP to the mobile phone, the terminal-side OTP generated from the mobile phone OTP generation information is formed by combining the received information with the received OTP, and then N-digit OTP is generated and output through the OTP generation information, thereby generating N-digit OTP for mobile phone payment only by a mobile phone registered as a valid OTP medium. And output.

Claims (6)

To generate OTP on the communication network and the terminal-side OTP generation information provided in the USIM (or memory) of the mobile phone registered as the OTP medium and mobile phone information registered as OTP (One Time Password) medium in the server Storing and maintaining server-side OTP generation information in a storage medium; 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; The server compares (or verifies) the OTP medium information stored in the storage medium with the OTP medium authentication information to authenticate the mobile phone with an OTP medium that generates (or outputs) an N (N> = 2) digit OTP. step; When the mobile phone is authenticated with an OTP medium, generating, by the server, an OTP through server-side OTP generation information on the OTP medium stored in the storage medium and transmitting the OTP to the mobile phone; When the user terminal or the mobile phone transmits the N-digit OTP, the server checks the server-side OTP generation information for the OTP medium from the storage medium and generates the OTP, and the generated OTP and the terminal-side OTP generation information. Combining the OTP generation information; Generating an N-digit OTP 'through the OTP generation information at the server; And 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 payment method through the combined OTP authentication. The method of claim 1, Constructing, by the cellular phone, OTP medium authentication information including cellular phone unique information stored in a USIM (or memory) and transmitting the same to a server on a communication network; When the server generates and transmits the OTP through the server-side OTP generation information, configuring the OTP generation information by combining the terminal-side OTP generation information included in the USIM (or memory) and the received OTP in the mobile phone; And And generating an N-digit OTP through the OTP generation information in the mobile phone. The method of claim 1, The OTP medium authentication information, Characterized in that it further comprises a user password or user personal identification number, The server further comprises the step of authenticating the mobile phone with the OTP medium through the user password or user identification number mobile phone payment method through a combined OTP authentication. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. OTP medium information including mobile phone unique information registered as OTP (One Time Password) medium and server-side OTP generation information included in USIM (or memory) of the mobile phone registered as OTP medium and server for generating OTP on communication network A storage medium storing side OTP generation information; When the 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 mobile phone is connected to the user's mobile phone and the communication channel according to the mobile phone subscriber authentication result through the mobile carrier. Information receiving means for receiving OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) of the mobile station; Means for authenticating the mobile phone with an OTP medium that generates (or outputs) an N (N> = 2) digit OTP by comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information. ; OTP generation means for generating an OTP through server-side OTP generation information for the OTP medium stored in the storage medium when the mobile phone is authenticated with the OTP medium; OTP transmission means for transmitting the generated OTP to the mobile phone; OTP authentication means for authenticating the validity of the N-digit OTP by generating an N-digit OTP 'through the server-side OTP generation information and the terminal-side OTP generation information when receiving the N-digit OTP from the user terminal or the mobile phone. ; And And a payment processing means for approving the mobile phone payment according to the N-digit OTP validity authentication result. The method of claim 5, wherein the OTP authentication means, After generating the OTP by checking the server-side OTP generation information for the OTP medium from the storage medium, and by combining the generated OTP and the terminal-side OTP generation information to configure OTP generation information, the N-digit number through the OTP generation information Generate OTP ', and compare (or verify operation) the received N-digit OTP and the generated N-digit OTP' to verify validity of the N-digit OTP. Mobile payment system.

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