KR20100136380A - System and method for settling mobile phone by multiple authentication mode network otp authentication and recording medium - Google Patents

Abstract

PURPOSE: A mobile payment method, a system and a recording medium thereof through multi-authentication type network OTP(one time password) authentication are provided to provide OTP through the OTP creation information by a server of communication network and receive and output the OTP by the mobile phone. CONSTITUTION: A cellular phone(100) includes next. A code generator(160) confirms and decides one or more fixed seed value and dynamic seed value for generating the OTP for media authentication. The code generator assigns the fixed seed value and dynamic seed value to the preset OTP generation algorithm and generates the OTP for the media authentication. If user authenticator(150) processes which the user authentication is effective, the code generator confirms the OTP creation information for the media authentication to generate the OTP for the media authentication from a USIM(135).

Description

System and Method for Settling Mobile Phone by Multiple Authentication Mode Network OTP Authentication and Recording Medium}

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

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

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

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

5 is a diagram illustrating 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: code generation unit 165: code transmission unit

170: receiver 175: OTP output

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. Firstly authenticating the mobile phone to a valid OTP medium through media authentication information, first authenticating the mobile phone to a valid OTP medium through the received OTP, and then generating an OTP according to the first and second OTP media authentication results. When the N-digit OTP is generated and provided to the mobile phone through the information, after receiving and outputting the N-digit OTP from the mobile phone, and transmitting the N-digit OTP from the user terminal (or mobile phone), It is to provide a method and system for approving the mobile phone payment through the validation of the N-digit OTP.

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

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

In particular, although the mobile phone payment approval is made in real time, the settlement of the payment amount 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 portion and generating an OTP, first authenticating the mobile phone as a valid OTP medium through OTP medium authentication information received from the mobile phone, and receiving the OTP generated through the terminal-side OTP generation information provided in the mobile phone. Through the second authentication of the mobile phone to a valid OTP medium, the mobile phone user to authenticate whether the user is a valid user.

Another object of the present invention, when generating a mobile phone payment using the OTP, according to the OTP medium authentication result generated by the server on the communication network OTP generation information through the OTP generation information provided to the mobile phone, the N digits in the mobile phone By receiving and outputting the OTP, the N-digit OTP for mobile phone payment is generated and output only by the mobile phone registered as a valid OTP medium.

Mobile phone payment method through the network type OTP authentication of the multiple authentication method according to the present invention, OTP medium information including the mobile phone unique information registered as OTP (One Time Password) medium in the server and the mobile phone registered with the OTP medium Storing and maintaining the terminal-side OTP generation information provided in the USIM (or memory) and the OTP generation information for generating N (N> = 2) digits in a storage medium; and a user terminal requesting a mobile phone payment using OTP. When the carrier selection information, the user's mobile phone number and the user's social security number information is received from the server, the server stores the USIM (or the memory) of the mobile phone by connecting the communication channel with the user's mobile phone according to the mobile phone subscriber authentication result through the mobile carrier. Receiving OTP medium authentication information including mobile phone unique information and OTP generated through the terminal-side OTP generation information; The first authentication is performed by the server by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information with an OTP medium that generates (or outputs) an N-digit OTP, and stores the OTP medium information. Generating an OTP 'through the terminal-side OTP generation information on the OTP medium stored in the medium and comparing (or verifying) the received OTP to second authentication of the mobile phone with the OTP medium; Verifying OTP generation information for the OTP medium stored in the storage medium by the server when the first and second authentications are performed on the medium, generating an N-digit OTP through the OTP, and transmitting the OTP to the mobile phone; Checking the OTP generation information on the OTP medium stored in the storage medium by the server when the user terminal or the mobile phone transmits the N-digit OTP. Generating an N-digit OTP 'through the OTP generation information at the server; and comparing (or verifying) the received N-digit OTP with the generated N-digit OTP' at the server, and generating the N-digit OTP '. And authenticating the validity of the mobile phone to approve the mobile phone payment.

Mobile phone payment method through the network type OTP authentication of the multi-authentication method according to the present invention, OTP medium authentication information including mobile phone unique information stored in the USIM (or memory) in the mobile phone, and generated through the terminal-side OTP generation information Transmitting one OTP to a server on a communication network and generating and transmitting the N-digit OTP in the server, and receiving and outputting the N-digit OTP in the mobile phone.

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

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

On the other hand, the mobile phone payment system through the network type OTP authentication of the multiple authentication method according to the present invention, OTP medium information including the mobile phone unique information registered as the OTP (One Time Password) medium and the mobile phone registered with the OTP medium Selecting a mobile carrier from a storage medium storing the terminal-side OTP generation information provided in the USIM (or memory) and the OTP generation information for generating an N (N> = 2) digit OTP, and a user terminal requesting mobile phone payment using OTP When the information and the user's mobile phone number and the user's social security number information is received, the mobile phone unique information stored in the USIM (or memory) of the mobile phone by connecting the communication channel with the mobile phone of the user according to the mobile phone subscriber authentication result from the mobile carrier in the server Information receiving means for receiving OTP medium authentication information and OTP generated through the terminal-side OTP generation information; Comparing (or verifying) OTP medium information stored in a storage medium with the OTP medium authentication information, the mobile phone is first authenticated with an OTP medium that generates (or outputs) an N-digit OTP, and the OTP stored in the storage medium. Media authentication means for secondly authenticating the mobile phone with the OTP medium by generating an OTP 'and comparing (or verifying) the received OTP with the terminal-side OTP generation information on the medium; OTP generating means for generating an N-digit OTP through OTP generation information for the OTP medium stored in the storage medium in the first and second authentications, and an OTP transmission means for transmitting the generated N-digit OTP to the mobile phone. And OT for generating N-digit OTP 'through the OTP generation information and authenticating the validity of the N-digit OTP when the N-digit OTP is received from the user terminal or the mobile phone. And a payment processing means for approving the mobile phone payment according to the P authentication means and the N-digit OTP validity authentication result.

In the mobile phone payment system through the network type OTP authentication of the multiple authentication method according to the present invention, the OTP authentication means, after confirming the OTP generation information for the OTP medium stored in the storage medium, through the OTP generation information The N-digit OTP 'is generated, and the received N-digit OTP and the generated N-digit OTP' are compared (or a verification operation) to verify the validity of the N-digit OTP.

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

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

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

In more detail, in FIG. 1, a mobile phone 100 providing data communication by accessing a mobile communication network generates an OTP (One Time Password) for authenticating the payment of the mobile phone 100 by the mobile phone 100 through the mobile communication network. After the authentication of the OTP medium provided by the OTP agent, and shows an implementation method having a function of receiving and outputting the OTP of N (N> = 2) digits from the server of the communication network, in the technical field Those skilled in the art may refer to and / or modify this drawing 1 to connect the mobile phone 100 to a wireless communication terminal (for example, a mobile Internet terminal) connected to a wireless communication network other than the mobile communication standard other than the mobile phone 100. ) It will be able to infer an implementation method having a function of generating an OTP for authenticating the payment, and the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only by the implementation method.

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

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

The controller 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a program routine or program for providing a function specific to the mobile phone 100 from a memory device. It comprises a bus (BUS) for inputting and outputting data and an electronic circuit (or integrated circuit) provided for this, from the memory unit 145 or a memory device (or chipset) to the execution memory in software General term for program routines or program data loaded and executed by the processor to perform a specific function (hence, a recording medium of the mobile phone 100 for the function of generating an OTP for authenticating payment of the mobile phone 100). The program routine component corresponding to the OTP agent recorded in the above is provided in the controller 105 for convenience. The program routine included in the controller 105 is basically an operating system routine (not shown) and one or more system management routines (eg, a power management routine, a channel (forward / reverse) management routine, A handoff routine, etc.), and various functional configurations to be implemented in the mobile phone 100 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 OTP is preferably initiated (or realized) through the key input in the operation mode in which the cellular phone 100 corresponds to the "mobile station call waiting state".

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

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

The sound processor 115 is a functional 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 provide a speaker provided in the mobile phone 100. Or a vocoder and a codec for encoding and 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. It characterized in that it comprises a driver for driving a, thereby detecting at least one key input signal generated by clicking (or input) the key button in the key input device.

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

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

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

According to an embodiment of the present invention, the key input unit 120 preferably performs a function of key input means for inputting one or more key data corresponding to the function of generating the 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 present invention is limited by the configuration of the wireless communication unit 130 It is clear that it is not.

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

The USIM 135 mounted on or detached from the mobile phone 100 is an IC chip conforming to the ISO / IEC 7816 standard. Referring to the ISO / IEC 7816 standard, the USIM 135 is a power supply (VCC), Communicating with the USIM reader 140 via a contact point such as a reset signal RST, clock signal CLK, ground GND, programming power supply (VPP), input / output (I / O), etc. Etc.), a processor unit comprising one or more arithmetic elements including a central processing unit (CPU), a micro process unit (MPU), a coprocessor, and the like, a read only memory (ROM), and a random access memory (RAM). It consists of a memory consisting of one or more memory elements, including Access Memory, EEPROM (Electrically Erasable and Programmable Read Only Memory), Flash Memory (FM), and the like, in particular one or more of the memory elements (e.g., ROM). To manage the internal resources of the 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 a variety of information and program codes necessary for generating the OTP in the mobile phone 100, the OTP applet is a mobile phone 100 The USIM 135 includes a storage unit (not shown) for storing a data set corresponding to information or data that is read or read or used by a processor included in the processor, and an instruction set provided by the arithmetic function of the processor unit and a COS. A program routine (e.g., a Java Applet in the case of a Javacard) that is driven or executed and operates within the mobile phone 100 and interacts with the instruction set of the COS. A processor corresponding to an application including an instruction call code to be executed and an execution code to be processed by the processor In particular, the processing unit reads a command provided from the processor provided in the mobile phone 100 via the input and output interface via the APDU, and at least one stored in the storage unit based on the read command Read or record information or data, and provide the result or read information or data to the processor provided in the mobile phone 100 via the input and output interface through the APDU.

According to the embodiment of the present invention, the storage unit of the OTP applet, it is preferable to store the OTP generation information for the medium authentication for generating a medium authentication OTP to be transmitted from the mobile phone 100 to the server on the communication network.

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

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

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

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

According to an embodiment of the present invention, the USIM 135 may be provided with a function for generating the media authentication OTP. In this case, the processing unit of the OTP applet is a user password input through the mobile phone 100. Or one or more fixed seed values for generating the media authentication OTP through the media authentication OTP generation information provided through the mobile phone 100 (or stored in the storage unit) after user authentication through a user identification number. And program code for identifying and determining the dynamic seed value, and generating the OTP by substituting the one or more fixed seed values and the dynamic seed value into the set OTP algorithm.

According to an embodiment of the present invention, the USIM 135 may be provided with a function of generating an OTP having N (N> = 2) digits. In this case, the processing unit of the OTP applet may include the mobile phone 100. One or more fixed seeds for generating the N (N> = 2) digits OTP through the OTP generation information provided through the mobile phone 100 after user authentication through a user password or a user identification number entered through the mobile phone 100 And program code for identifying / determining a value and a dynamic seed value, and generating the OTP by substituting the identified / determined one or more fixed seed values and dynamic seed values into the set OTP algorithm.

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

According to an embodiment of the present invention, the storage unit of the OTP applet, one or more mobile phones (100) registered in a server on a communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP Preferably, the unique information is stored, and according to the intention of the person skilled in the art, the unique information of the mobile phone 100 may include the unique information and IC chip information stored in the fixed storage area of the USIM 135 memory in addition to the storage of the OTP applet. It can be made, including.

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. An OTP agent including at least one IC chip serial number constituting an International Mobile Equipment Identity (IMEI), a Mobile Station International ISDN Number (MSISDN), a USIM 135, or the mobile phone 100 can generate the OTP. It is preferable to include a separate OTP medium identifier (eg, non-overlapping code value) or USIM 135 identifier registered to authenticate that the OTP medium is equipped with.

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

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

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

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

According to an embodiment of the present invention, the memory unit 145 is one or more mobile phones 100 registered in a server on a communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP It is desirable to store 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. A number that includes one or more of an ESN, an subscriber identification number, and an International Mobile Equipment Identity (IMEI), or a separate registered to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP. It is preferred to include an OTP medium identifier (eg, a non-overlapping code value).

Referring to FIG. 1, the mobile phone 100 includes a user authentication unit 150 that processes user authentication for generating an OTP for authenticating payment of the mobile phone 100.

A dedicated key button for requesting to generate an OTP for authenticating the payment of the mobile phone 100 is input through a key input unit provided in the mobile phone 100, or a request is made to generate the OTP through a preset menu selection. Or, when an OTP generation command (or OTP agent driving command) is received through the mobile communication network, the user authentication unit 150 receives a user password or user identification number for user authentication through the screen output unit 110. Outputs a user authentication interface to input, and if a user password or user personal identification number is input through the user authentication interface, the user authentication for generating a digit OTP through the input user password or user personal identification number is processed. Characterized in that.

When the user authentication function for generating the OTP is provided in the USIM 135 according to an embodiment of the present invention, the user authentication unit 150 inputs the user password through the USIM reader unit 140. Or transmits a user personal identification number to the USIM 135, and authenticates the user with respect to the user password or the user personal identification number processed by a PIN authentication function provided in the USIM 135 or a processing unit provided in the OTP applet. It is preferable to receive a result and read the user authentication result to confirm whether the user validity for generating the OTP in the mobile phone 100 is authenticated.

According to another embodiment of the present invention, when the user authentication function for generating the OTP is provided in the memory unit 145, the user authentication unit 150 receives the user password or the user personal identification number. Decrypting the user password or user personal identification number encrypted and stored in the memory unit 145 according to a preset decryption procedure, and compares the input user password or user personal identification number and the decrypted user password or user personal identification number. It is preferable to process user authentication for generating the OTP in the mobile phone 100 through the user password or the user personal identification number (or verification operation).

Referring to FIG. 1, the mobile phone 100 confirms / determines one or more fixed seed values and dynamic seed values for generating the medium authentication OTP from the OTP generation information for the medium authentication, and the determined / determined one. And a code generation unit 160 generating the OTP for medium authentication by substituting the fixed seed value and the dynamic seed value into a preset OTP generation algorithm.

When the user authentication is processed by the user authentication unit 150 to be valid, the code generation unit 160 uses the medium authentication for generating the media authentication OTP from the USIM 135 / memory unit 145. Confirm OTP generation information, identify one or more fixed seed values included in the OTP generation information for the medium authentication, determine one or more dynamic seed values through parameters included in the OTP generation information, and determine the one or more determined The fixed seed value and the dynamic seed value may be substituted into a predetermined OTP generation algorithm to generate an OTP for medium authentication.

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

Referring to FIG. 1, the mobile phone 100 includes an OTP for authenticating the payment of the mobile phone 100 by the mobile phone 100 through the mobile communication network to generate an OTP for authenticating the payment of the mobile phone 100. And an authentication processing unit 155 for authenticating that the agent is an OTP medium. According to one skilled in the art, the authentication processing unit 155 transmits the media authentication OTP to a server on a communication network in the OTP medium authentication process. It is possible to transmit.

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

According to 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 communication network receiving the OTP medium authentication information receives the OTP medium authentication information (decryption if encrypted), and the mobile phone 100 unique information and the mobile phone 100 included in the received OTP medium authentication information The mobile phone 100 authenticates the mobile phone 100 by comparing (or verifying) the unique information of the mobile phone 100 registered to authenticate with an OTP medium provided with an OTP agent for authenticating the payment of the mobile phone 100. It characterized in that the authentication with the OTP medium equipped with an OTP agent.

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

According to an embodiment of the present invention, the authentication processing unit 155 (or processing unit of the OTP applet) further includes an OTP for medium authentication provided in the USIM 135 / memory unit 145 in the OTP medium authentication information. To be transmitted to a server on the communication network.

Referring to FIG. 1, the mobile phone 100 includes a code transmission unit for transmitting a media authentication OTP provided in the USIM 135 / memory unit 145 to a server on a communication network through the wireless communication unit 130. 165) further comprises.

If the OTP medium authentication information is included in the OTP medium authentication information through the authentication processing unit 155 and is not transmitted to the server on the communication network, the mobile phone 100 passes through the authentication processing unit 155 to the OTP medium. If authenticated, the code transmission unit 165 transmits the generated media authentication OTP to the server on the communication network through the wireless communication unit 130, and the medium authentication through the authentication processing unit 155 When the OTP is included in the OTP medium authentication information and transmitted to the server on the communication network, the code transmitter 165 may be omitted, and the present invention is not limited thereto.

In the server on the communication network, the mobile phone 100 is authenticated with an OTP medium equipped with an OTP agent for authenticating the payment of the mobile phone 100 (or the mobile phone 100 is authenticated with the provided OTP medium and user authentication is performed. Further processed), when the media authentication OTP generated through the media authentication OTP generation information is received, the server on the communication network generates the media authentication OTP 'through the media authentication OTP generation information provided in the server. OTP generation information for generating O (N> = 2) digits in the mobile phone 100 by comparing (or verifying) the medium authentication OTP 'with the received medium authentication OTP (ie, the mobile phone). Authenticating that the OTP agent provided at 100 provides information including one or more fixed seed values and parameters for generating an N (N> = 2) digit OTP) If the validity is authenticated, the server on the communication network confirms the pre-existing OTP generation information and generates one or more fixed seed values and dynamic seed for generating the N (N> = 2) digits through the OTP generation information. Confirm / determine a value, and substitute the at least one fixed seed value and the dynamic seed value into a preset OTP generation algorithm to generate an N (N> = 2) digit OTP, and generate the generated N (N &Gt; = 2) OTP of digits is transmitted to the mobile phone 100 through the mobile communication network, wherein the OTP generation information is encrypted by a secure communication session provided between the mobile phone 100 and a server on the communication network. Is preferably transmitted.

Referring to FIG. 1, the mobile phone 100 includes a receiving unit 170 which receives the N (N> = 2) digits through the mobile communication network.

In the server on the communication network, the mobile phone 100 is authenticated with an OTP medium equipped with an OTP agent for generating an OTP for authenticating payment of the mobile phone 100. When generating and transmitting> = 2) digit OTP, the receiving unit 170 receives the N (N> = 2) digit OTP through the wireless communication unit 130, and the N (N > = 2) If the digit OTP is encrypted, the decoding is performed according to a predetermined decryption procedure.

Referring to FIG. 1, the mobile phone 100 includes an OTP output unit 175 that outputs the OTP through the screen output unit 110 when the N (N> = 2) digits of the OTP are received. When the mobile phone 100 is provided with a short-range communication means (not shown), the OTP output unit 175 is to communicate the generated OTP with the mobile phone 100 through the short-range communication means. It is possible to output to a terminal (or device) located in the near field.

When the N (N> = 2) digits of the OTP are generated, the OTP output unit 175 outputs the received OTP in a predetermined area on the screen of the mobile phone 100 in cooperation with the screen output unit 110. It is characterized by.

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 the 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. And outputting the generated OTP to the OTP output region.

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

According to another exemplary embodiment of the present invention, when the 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 OTP medium authentication information corresponding to a mobile phone 200 registered as an OTP medium for authenticating payment of the mobile phone 200 and an OTP for medium authentication for authenticating the mobile phone 200 to an OTP medium. Generation information and OTP generation information for generating an N-digit OTP in the mobile phone 200 are stored in the storage medium 270, and the mobile phone 200 is configured in the mobile phone 200 shown in FIG. Providing a corresponding OTP agent (however, if the mobile phone 200 is provided with an OTP agent can be omitted), when using the mobile phone 200 as an OTP medium, OTP medium authentication information and media from the mobile phone 200 Receiving the OTP for medium authentication generated through the OTP generation information for authentication, the OTP medium authentication information is read, and the mobile phone 200 is first authenticated as an OTP medium, and the mobile phone 200 through the OTP for medium authentication. OTP Hawk After the second authentication, by generating the N-digit OTP through the OTP generation information corresponding to the mobile phone 200 from the storage medium 270 to provide to the mobile phone 200, the mobile phone 200 in the The mobile phone 200 is an OTP system configuration including an OTP operating system for processing the output of the N-digit OTP for authenticating the payment, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying FIG. 2, various implementation methods (eg, some implementations may be omitted, subdivided, or combined) for the mobile phone 200 OTP system configuration may be inferred. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the OTP system of the mobile phone 200 includes an OTP authentication requesting OTP authentication to a mobile phone 200 having the OTP agent configuration shown in FIG. 1 and a user having the mobile phone 200. In the request server 215, OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium, OTP generation information for authenticating the mobile phone 200 to the OTP medium and the mobile phone 200 The OTP generating information for generating the N-digit OTP is linked and stored in the storage medium 270, and the mobile phone 200 provides an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. After the OTP agent is provided in the mobile phone 200, the OTP agent may be omitted). When the mobile phone 200 is used as an OTP medium, the mobile phone 200 is generated through OTP medium authentication information and OTP generation information for medium authentication from the mobile phone 200. Received OTP for authenticated media Read the OTP medium authentication information to first authenticate the mobile phone 200 as an OTP medium, and secondly authenticate the mobile phone 200 as an OTP medium through the medium authentication OTP, and then the storage medium 270. N-digit OTP is generated through the OTP generation information corresponding to the mobile phone 200 and provided to the mobile phone 200, whereby the N-digit number for authenticating the payment of the mobile phone 200 in the mobile phone 200 is provided. It characterized in that it comprises an OTP operating system for processing to output the OTP, the user terminal 205 used by the user having the mobile phone 200 according to the intention of those skilled in the art, and N generated by the mobile phone 200 It further comprises an OTP server 220 for authenticating the digit OTP.

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, and the OTP operating system is implemented. And bayida put out to clarify SHALL not limited to the invention by the server type and implementation location and number.

The mobile phone 200 is registered with an OTP medium for authenticating payment of the mobile phone 200, and the mobile phone 200 is provided with an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. A dedicated key button for requesting to generate an OTP is input through a key input unit provided in the mobile phone 200, or a request is made to generate an OTP through a preset menu selection, or an OTP through the mobile communication network. After the user authentication by receiving a generation command (or OTP agent driving command), the mobile terminal 200 generates (or configures) OTP medium authentication information requesting to authenticate the OTP medium, and generates the OTP generation information for the medium authentication. Generate an OTP for medium authentication, transmit the OTP medium authentication information and OTP generation information for medium authentication to the OTP operating system, and generate the OTP operating system. Characterized in that the output receives the OTP of the generated N number of digits over the OTP generation information to the mobile phone 200 when the authentication by the media OTP, OTP from the operating system.

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

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

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

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

Referring to FIG. 2, the OTP operating system includes 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. OTP generation information for authenticating the mobile phone 200 as an OTP medium to authenticate the payment of the mobile phone 200 and OTP generation information for generating an N-digit OTP in the mobile phone 200. Generate (or assign) the OTP medium information and the OTP generation information for authenticating the mobile phone 200 with the OTP medium, and the OTP generation information for generating the N-digit OTP in the mobile phone 200. OTP medium registration means 225 to be stored in the storage medium 270 in association with the mobile phone 200 is registered as the OTP medium, by providing the OTP generation information for the medium authentication to the mobile phone 200 to the mobile phone To 200 And a mobile phone processing means 230 for storing the provided USIM / memory unit. When the mobile phone 200 is not equipped with an OTP agent having the configuration shown in FIG. Processing means 230 is characterized in that the mobile phone 200 provides the OTP agent program code corresponding to the configuration shown in FIG.

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

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

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

Alternatively, the unique information of the mobile phone 200 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, and an IMEI in a fixed storage area of the USIM memory provided in the mobile phone 200. An International Mobile Equipment Identity (MSSDN), a mobile station International ISDN Number (MSISDN), or an IC chip serial number constituting a USIM, or an OTP agent capable of generating the N-digit OTP by the mobile phone 200. It is preferred to include a separate OTP medium identifier (eg, a non-overlapping code value) or USIM identifier registered to authenticate that it is an OTP medium.

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

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

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

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

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

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

If the OTP medium information is received or the validity of using the mobile phone 200 as the OTP medium is authenticated, the OTP medium registration means 225, the mobile phone 200 to authenticate the mobile phone 200 payment OTP generation information for medium authentication for authenticating 200 to an OTP medium and OTP generation information for generating N-digit OTP in the mobile phone 200 are generated (or assigned).

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

The OTP generation information is maintained on the OTP operating system, and preferably comprises one or more fixed seed values and parameters for determining a dynamic seed value for generating an N-digit OTP in the OTP operating system. The generated N-digit OTP is provided to the mobile phone 200.

The OTP medium information is received from the OTP registration terminal, OTP generation information for authenticating the medium for authenticating the mobile phone 200 to the OTP medium, and OTP generation information for generating N-digit OTP in the mobile phone 200. When generated (or assigned), the OTP medium registration means 225, the OTP medium information for authenticating the OTP medium information and the mobile phone 200 with the OTP medium and the N-digit number in the mobile phone 200 The OTP generation information for generating the OTP is 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 OTP generation information for the medium authentication to the mobile phone 200 through the communication channel and store the OTP generation 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 OTP generation information for medium authentication through the separate channel to the mobile phone 200 ) Or package data including the OTP agent program code and OTP generation information for medium authentication may be provided to the mobile phone 200, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the mobile phone processing means 230 may further provide OTP generation information for generating the N-digit OTP to the mobile phone 200, in which case the storage medium 270. ) May not be stored in the OTP generation information.

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 identification number is received from the mobile phone 200, the user password or user identification number is compared with the user password or user identification number stored in the storage medium 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 It is good.

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

According to another exemplary embodiment of the present invention, the information receiving means 235 configures (or extracts from a database) an OTP generation command (or OTP agent driving command) for driving an OTP agent provided in the mobile phone 200. And transmits the OTP generation command (or OTP agent driving command) to the mobile phone 200 through the mobile communication network, and correspondingly OTP through the OTP generation command (or OTP agent driving command) in the mobile phone 200. Runs an agent, checks (or extracts) the unique information of the mobile phone 200 from the USIM / memory unit in the mobile phone 200, includes the unique information of the mobile phone 200, and authenticates the medium provided in the mobile phone 200. When the OTP medium authentication information is further configured through the OTP generation information, the OTP medium authentication information is generated through the mobile communication network. It characterized in that for receiving the medium OTP authentication information through the same network.

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

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

According to 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.

According to another embodiment of the present invention, when the mobile phone 200 is provided with OTP generation information for generating the N-digit OTP, the information receiving unit 235 provides the OTP generation information to the OTP medium authentication information. It is possible to include or receive, or to receive the OTP generation information through a separate channel.

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

When the medium authentication OTP is received from the mobile phone 200, the medium authentication means 240 confirms OTP generation information for medium authentication corresponding to the mobile phone 200 from the storage medium 270, and authenticates the medium. Identify one or more fixed seed values included in the OTP generation information for the service, determine one or more dynamic seed values through the parameters included in the OTP generation information for the medium authentication, and determine the one or more fixed seed values and the dynamic seed values. After generating the OTP 'for the medium authentication in a preset OTP generation algorithm, the received medium authentication OTP and the generated medium authentication OTP' is compared (or verified operation), and the received medium authentication OTP And the generated OTP 'for medium authentication match (or match), or when a predicted result is obtained through a verification operation, the mobile phone 200 transmitting the OTP medium authentication information is returned. The first authentication is performed by the valid mobile phone 200 registered as the OTP medium by the OTP medium registration means 225.

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

When the user password or the user identification number is included in the OTP medium authentication information or when the user password or the user identification number is received from the mobile phone 200 through a separate channel, the user authentication means 245, The user password or user identification number and the user password or user identification number included in the OTP medium information stored in the storage medium 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 as the OTP medium It characterized in that the process to be validated for providing an OTP generated information to be provided to the mobile phone based 200 OK.

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

When the mobile phone 200 that has transmitted the OTP medium authentication information is authenticated as a valid OTP medium, and the validity for providing the OTP generation information to be provided to the mobile phone 200 or the validity of the mobile phone 200 is further authenticated. (Optional), the information checking means 265 checks the OTP generation information connected to the unique information of the mobile phone 200 corresponding to the OTP medium authentication information from the storage medium 270, or the user password or the user. Characterized by identifying the OTP generation information associated with the personal identification number.

According to another embodiment of the present invention, when the OTP generation information is received from the mobile phone 200, the information checking means 265 preferably confirms the OTP generation information received from the mobile phone 200.

When the OTP generation information is confirmed, the OTP generation means 260 confirms one or more fixed seed values for generating the N-digit OTP through the identified OTP generation information, and includes the OTP generation information in the OTP generation information. The at least one dynamic seed value is determined through the determined parameters, and the at least one fixed seed value and the dynamic seed value are substituted into a predetermined OTP generation algorithm to generate N-digit OTP.

When the N-digit OTP is generated through the OTP generation information, the OTP transmission means 250 transmits the N-digit OTP 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 connects the OTP with the unique information of the mobile phone 200 generating the OTP. Confirm generation information and generate N digits OTP 'through the OTP generation information, or check N digits OTP' corresponding to the OTP previously generated by the OTP generating means 260, and generate the N digits. And OTP authentication means 255 for comparing (or verifying) OTP and OTP 'to verify whether the received OTP is valid, wherein the OTP authentication means 255 authenticates the OTP. It is possible to be implemented in a separate OTP server 220, it will be apparent that the present invention includes all the inferable implementation method.

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

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

When the OTP is received, the OTP authentication means 255 or the OTP server 220 confirms the OTP generation information connected to the unique information of the mobile phone 200 that generated the OTP, and from the confirmed OTP generation information. Identify one or more fixed seed values for generating OTP ', determine one or more dynamic seed values through the parameters included in the OTP generation information, and set the one or more fixed seed values and dynamic seed values that have been determined / determined. By generating an OTP 'of N digits by substituting an OTP generation algorithm, if the OTP provided to the mobile phone 200 can be confirmed by the OTP operating system, the OTP authentication means 255 causes the OTP operating system to generate the OTP'. Check the OTP provided to the mobile phone 200 as the N-digit OTP '.

When the N-digit OTP 'is generated, the OTP authentication means 255 or the OTP server 220 compares (or verifies) the received N-digit OTP with the generated OTP' to 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 OTP generation information for the medium authentication for authenticating the mobile phone 200 to the OTP medium and the mobile phone (OTP medium) In step 200, OTP generation information generation (or allocation) for generating N-digit OTP is generated (330), and the OTP medium information, OTP generation information for medium authentication, and OTP generation information are stored in the storage medium 270 in association. (335).

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

The OTP generation information is maintained on the OTP operating system, and preferably comprises one or more fixed seed values and parameters for determining a dynamic seed value for generating an N-digit OTP in the OTP operating system. The generated N-digit OTP is provided to the mobile phone 200.

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 OTP generation information for medium authentication for authenticating the mobile phone 200 to the OTP medium by the OTP agent to the mobile phone 200 (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 USIM provided in the mobile phone 200 by connecting the OTP generation information for the medium authentication with the OTP agent. 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 OTP generation information for the medium authentication for authenticating the mobile phone 200 to the OTP medium by the OTP agent to the mobile phone 200 In operation 355, the mobile phone 200 connects the OTP generation information for authentication of the medium to an OTP agent recorded on a recording medium (eg, a program area of the USIM / memory unit) provided in the mobile phone 200. Stored in the USIM / memory unit provided in (200) (360).

According to another exemplary embodiment of the present invention, the server may further provide OTP generation information for generating the N-digit OTP to the mobile phone 200, in which case the OTP is generated in the storage medium 270. Information does not have to be stored.

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

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

For example, FIG. 4 is illustrated for convenience of providing the OTP for OTP generated by the OTP generation information for the medium authentication to the OTP operating system shown in FIG. The present invention is not limited thereto, and the OTP for medium authentication may be provided to the OTP operating system after first authenticating the mobile phone 200 to the OTP medium through the OTP medium authentication information. It includes all implementation methods that can be modified / inferred based on FIG.

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 payment of the mobile phone 200.

On the other hand, if the user authentication is effectively processed (410), the mobile phone 200 confirms the OTP generation information for the medium authentication for generating the medium authentication OTP from the USIM / memory unit provided in the mobile phone 200 and Identify one or more fixed seed values included in the OTP generation information for medium authentication, determine one or more dynamic seed values through parameters included in the OTP generation information for medium authentication, and determine the one or more fixed seeds. A value and a dynamic seed value are assigned to a predetermined OTP generation algorithm to generate an OTP for medium authentication (415), and includes unique information of the mobile phone 200 corresponding to the mobile phone 200 and is provided in the mobile phone 200. Configure OTP medium authentication information further including OTP for medium authentication generated through OTP generation information for medium authentication (425), connect a communication channel with the server, and then connect the communication channel. The OTP medium authentication information is transmitted to the server through 430.

According to another embodiment of the present invention, when the mobile phone 200 is provided with OTP generation information for generating the N-digit OTP, the mobile phone 200 includes the OTP generation information in the OTP medium authentication information. It is possible to transmit or transmit the OTP generation information through a separate channel.

The server receives the OTP medium authentication information through the communication channel, reads unique information of the mobile phone 200 included in the received OTP medium authentication information, and first authenticates the mobile phone 200 with an OTP medium ( 435).

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 first authenticated with a valid OTP medium (440), the server transmits OTP medium error information to the mobile phone 200 (445), and for authenticating the payment of the mobile phone 200. Terminate the OTP creation process.

On the other hand, if the mobile phone 200 is first authenticated as a valid OTP medium (440), the server generates OTP generation information for media authentication associated with the OTP medium information including the unique information of the mobile phone 200 from the storage medium 270. Check (450).

According to another embodiment of the present invention, when the OTP generation information is received from the mobile phone 200, the server preferably checks the OTP generation information received from the mobile phone 200.

Thereafter, the server checks / determines one or more fixed seed values and dynamic seed values through the OTP generation information for medium authentication, and substitutes the one or more fixed seed values and dynamic seed values into the preset OTP generation algorithm. After generating the medium authentication OTP ', the received mobile device 200 is authenticated as an OTP medium by comparing the received medium authentication OTP with the generated medium authentication OTP' (or verification operation) (455). .

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

If the mobile phone 200 is not authenticated as a second valid OTP medium (460), the server transmits the OTP medium error information to the mobile phone 200 (445), and for authenticating the payment of the mobile phone 200. Terminate the OTP creation process.

If the mobile phone 200 is second authenticated as a valid OTP medium (460), the server checks the OTP generation information associated with the OTP medium information including the unique information of the mobile phone 200 from the storage medium 270, and Confirming / determining at least one fixed seed value and a dynamic seed value through the identified OTP generation information, and assigning the at least one fixed seed value and the dynamic seed value to a preset OTP generation algorithm by inserting N-digit OTPs. Generate and transmit to the mobile phone 200 through the communication channel (465), and correspondingly the mobile phone 200 receives and outputs the N-digit OTP (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 OTP generation information corresponding to the OTP medium that generated the N-digit OTP is checked (505).

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

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

Thereafter, the server confirms one or more fixed seed values for generating the N-digit OTP 'from the OTP generation information, determines one or more dynamic seed values through the parameters included in the OTP generation information, and the identification. The determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm to generate an N-digit OTP '(515).

If the N-digit OTP 'is generated (520), 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. (525).

According to the exemplary embodiment of the present invention, if the result of the comparison between the OTP and the OTP 'is matched (or matched), or a 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 (530), the server receives a predetermined OTP authentication result receiving means (for example, OTP authentication request server 215, user terminal 205, mobile phone) (Including one or more of 200) (535).

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

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 (for example, some components may be omitted, subdivided, or combined) for the OTP-based cellular phone 600 payment processing system may be inferred, but the present invention may infer all the inferred implementations. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, the payment processing system of the mobile phone 600 shown in FIG. 6 is applied to a system for processing payment using a customer's payment means, except that the payment amount is added to the communication fee of the user's mobile phone 600. It is possible 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 610 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 610, or of the OTP authentication request server 615 It is possible to implement both in the form of internal components, or in the form of internal components of the telecommunications server 610, it will be 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 data 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. 2 to the OTP input interface through a key input means. To transmit 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 a payment amount for the sold goods to a user mobile phone 600 communication fee ( 600) is a general 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 a payment means for the payment amount, Providing the mobile phone 600 payment interface to the user terminal 605 or processing so that the mobile phone 600 payment interface is provided 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 610 is a generic term for a server of a mobile communication company side that is 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 is used. Message server, data exchange server, and swap for transmitting information (or data) requested to be provided to the user 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 an embodiment of the present invention, the telecommunication company server 610 queries a subscriber D / B (not shown) through the user's mobile phone 600 number and user's social security number information to authenticate a user, and the user's 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 610 corresponds to the user mobile phone 600 when the OTP agent is provided in the user mobile phone 600 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 carrier selection information, the user mobile phone 600 number and the user social security number information, and the mobile phone server 610 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 mobile phone 600 number and a user social security number confirmation result through the communication company server 610; And user authentication means 645 for authenticating the user by receiving and reading a user authentication result. The interface providing means 635 is provided in the user mobile phone 600 as the user terminal 605. And provide an OTP input interface for inputting OTP generated by the 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 the mobile carrier 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 transmitting the user mobile phone 600 number and the user's social security number information to the communication company server 610 corresponding to the received mobile communication company selection information. And a user authentication means 645 for authenticating the user by receiving and reading a user authentication result corresponding to the user mobile phone 600 number and the user social security number verification result through the gentleman server 610.

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 610; Or some of the means are implemented as components in the OTP authentication request server 615 and some are implemented as components in the carrier server 610, or some of the means are components in the OTP authentication request server 615 The other part is implemented as a component in the carrier server 610 and the other part is all possible to be implemented in a separate server form, 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. The mobile communication company selects the information corresponding to the user's mobile phone 600 and the user's mobile phone 600 number and the user's social security number information for connecting the communication session.

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 mobile phone 600 number and the user resident registration number information is transmitted to the communication company server 610, and the user authentication for the user mobile phone 600 number and user resident registration number information through the subscriber D / B in the communication company server 610 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.

According to an embodiment of the present invention, 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. In this case, the OTP receiving means checks the user terminal 605 information (for example, an IP address) from the communication channel provided with 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 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 610 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 610 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, an OTP for authenticating the payment of the mobile phone 600 is generated 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 OTP operating means 625 for receiving the generated OTP from the user terminal 605 (or mobile phone 600) and verifying the validity of the received OTP, characterized in that it comprises a do.

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 exemplary 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 communicates with the communication company server 610. 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

If the payment using the communication fee charged to the mobile phone 600 is approved, the payment processing means 650, the payment amount is charged to the communication fee for the user mobile phone 600 through the carrier server 610 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 600 payment process according to an embodiment of the present invention.

In more detail, Figure 7 is a user terminal 605 accessing the small payment target website to provide a mobile carrier selection corresponding to the user's mobile phone 600 and an interface for inputting the user's mobile phone 600 number and user social security number is provided. After processing, the mobile communication company selection information corresponding to the user mobile phone 600 and the user mobile phone 600 number and the user social security number information are received from the user terminal 605 through the interface, and the communication company corresponding to the mobile communication company selection information is received. When the user authentication is confirmed through the server 610, an OTP input for inputting the 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 providing the interface, through the process shown in Figures 4 to 5 to generate / authenticate the OTP, and to the OTP authentication result According to the process of processing the mobile phone 600 according to the present invention, those skilled in the art to which the present invention belongs, the mobile phone 600 using the OTP verification information by referring to and / or modified in the present figure 7 Various implementation methods (e.g., some steps may be omitted or the order may be changed) for the payment process may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the implemented method.

Hereinafter, in FIG. 7, the mobile phone 600 payment system shown in FIG. 6 is referred to as "server" for convenience, and the OTP authentication request server 615 shown in FIG. 2 or FIG. 6 is referred to as "web server" for convenience. .

Referring to FIG. 7, a user accesses the web server to purchase tangible / intangible goods, and pays a payment amount corresponding to the purchase price of the goods through a communication fee charged to the user's mobile phone 600. When the mobile phone 600 selects a payment method 700, the server directly relays the web server to the user terminal 605 through the communication network to which the user terminal 605 is connected, or relays the web server to the user terminal 605. In step 705, the mobile terminal selects a mobile communication company corresponding to the user mobile phone 600, and provides a mobile phone 600 payment interface for inputting a user mobile phone 600 number and a user social security number (705), and from the user terminal 605. In operation 710, the mobile communication company selection information, the user's mobile phone 600 number, and the user's social security number information received through the mobile phone 600 payment interface are received.

If the mobile communication company selection information, the user mobile phone 600 number and the user social security number information are received from the user terminal 605 (715), the server sends the user mobile phone to the communication company server 610 corresponding to the mobile communication company selection information. (600) request the user authentication by transmitting the number and the user resident registration number information, and configures and transmits the user authentication result for the user mobile phone 600 number and user resident registration number information through the subscriber D / B in the communication company server (610) In operation 720, the user authentication result is received and read, thereby authenticating the user who requested the micro payment.

If the user is not authenticated (725), the server generates a user authentication error and transmits to the user terminal 605 (or user mobile phone 600) and the web server (730).

On the other hand, if the user is authenticated (725), the server is connected to the mobile phone 600 shown in Figure 1 through the process shown in Figures 4 to 5 OTP for authenticating the payment of the mobile phone 600 Generate and process the output to the user mobile phone 600, and receives the OTP from the user terminal 605 (or mobile phone 600) to authenticate the OTP validity for the mobile phone 600 payment (735).

If the OTP validity for payment of the mobile phone 600 is not authenticated (740), the server generates payment error information and transmits it to the user wired terminal (or user mobile phone 600) and a web server (745).

If the OTP validity for payment of the mobile phone 600 is authenticated (740), the server generates the payment validation result and transmits the result to the user wired terminal (or user mobile phone 600) and the web server (750). In response to the payment validity verification result, the payment approval through the communication fee of the user mobile phone 600 is processed (755).

According to an embodiment of the present invention, the server confirms the payment amount to be charged to the user mobile phone 600 communication fee from the web server, and in connection with the communication company server 610 for the user mobile phone 600 number It is preferable to approve payment through a communication fee imposed on the mobile phone 600 by inquiring a payment limit and comparing the payment amount with the payment limit.

8 is a diagram illustrating a payment process of an OTP-based mobile phone 600 according to another embodiment of the present invention.

In more detail, FIG. 8 is a user terminal 605 accessing a small payment target website, and selects a mobile carrier corresponding to the user's mobile phone 600, a user's mobile phone 600 number, a user's social security number, and the mobile phone shown in FIG. After processing to provide an interface for inputting the OTP generated by the connection between the 600 and the OTP operating system shown in Figure 2, and generates / authenticates the OTP through the process shown in Figures 4 to 5 , Which illustrates a process of processing a mobile phone 600 payment according to the OTP authentication result, and those skilled in the art to which the present invention pertains may refer to and / or modify the OTP verification information by referring to FIG. 8. Various implementation methods (for example, some steps may be omitted or the order may be changed) for the mobile phone 600 payment process using the present invention, but the present invention It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the mobile phone 600 payment system shown in FIG. 6 is referred to as "server" for convenience, and the OTP authentication request server 615 shown in FIG. 2 or FIG. 6 is referred to as "web server" for convenience. .

Referring to FIG. 8, a user accesses the web server to purchase tangible / intangible goods and pays a payment amount corresponding to the purchase price of the goods through a communication fee charged to the user's mobile phone 600. When the mobile phone 600 selects a payment method (800), the server directly relays the web server to the user terminal 605 through the communication network to which the user terminal 605 is connected, or relays the web server to the user terminal 605. OTP selected by the mobile communication company corresponding to the user's mobile phone 600 and the user's mobile phone 600 number and the user's social security number and the OTP operating system shown in FIG. 1 and the OTP operating system shown in FIG. After processing to provide a mobile phone 600 payment interface for inputting (805), through the process shown in Figures 4 to 5 through the process shown in Figure 1 in conjunction with the mobile phone 600 shown in Figure 1 The mobile phone 600 generates an OTP for authenticating payment and processes the OTP to be output to the user mobile phone 600, and receives the OTP from the user terminal 605 (or mobile phone 600) to pay the mobile phone 600. Authenticate OTP validity for (810).

If the OTP validity for payment of the mobile phone 600 is not authenticated (815), the server generates payment error information and transmits it to the user wired terminal (or user mobile phone 600) and a web server (820).

If the OTP validity for payment of the mobile phone 600 is authenticated (815), the server generates the payment validation result and transmits the result to the user wired terminal (or user mobile phone 600) and a web server (825). In response to the payment validity checking result, the payment approval through the communication fee of the user mobile phone 600 is processed (830).

According to an embodiment of the present invention, the server confirms the payment amount to be charged to the user mobile phone 600 communication fee from the web server, and in connection with the communication company server 610 for the user mobile phone 600 number It is preferable to approve payment through a communication fee imposed on the mobile phone 600 by inquiring a payment limit and comparing the payment amount with the payment limit.

According to the present invention, while approving a mobile phone payment using OTP, when storing only a part of the information required to generate the OTP in the Universal Subscriber Identity Module (USIM) or memory area of the mobile phone provided in the user's mobile phone, and generates the OTP The first authentication of the mobile phone as a valid OTP medium through OTP medium authentication information received from the mobile phone every time, and the mobile phone as a valid OTP medium through the received OTP generated through the terminal-side OTP generation information provided in the mobile phone. By second authentication 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, according to the OTP medium authentication result generated by the server on the communication network OTP generation information through the OTP generation information provided to the mobile phone, the N digits in the mobile phone By receiving and outputting the OTP, there is an advantage that the N-digit OTP for mobile phone payment is generated and output only by the mobile phone registered as a valid OTP medium.

Claims (6)

OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium in the server, and terminal-side OTP generation information and N (N> = 2) provided in the USIM (or memory) of the mobile phone registered as the OTP medium. Storing and maintaining OTP generation information for generating digit OTP in a storage medium; When the mobile carrier selection information, the user mobile phone number and the user social security number information are received from the user terminal requesting the mobile phone payment using the OTP, the server connects the communication channel with the mobile phone of the user according to the mobile phone subscriber authentication result through the mobile carrier. Receiving OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) of the mobile phone and the OTP generated through the terminal-side OTP generation information; The server first authenticates the mobile phone with an OTP medium that generates (or outputs) an N-digit OTP by comparing (or verifying) OTP medium information stored in the storage medium with the OTP medium authentication information. Generating an OTP 'through the terminal-side OTP generation information on the OTP medium stored in the terminal, and comparing (or verifying) the received OTP with the second OTP medium to authenticate the mobile phone with the OTP medium; Confirming, by the server, OTP generation information for the OTP medium stored in the storage medium when the mobile phone is authenticated with the OTP medium by the first and the second; Generating an N-digit OTP through the OTP and transmitting the generated OTP to the mobile phone; When the user terminal or the mobile phone transmits the N-digit OTP, checking, by the server, OTP generation information about the OTP medium stored in the storage medium; Generating an N-digit OTP 'through the OTP generation information at the server; And And comparing (or verifying) the received N-digit OTP with the generated N-digit OTP and authenticating the validity of the N-digit OTP to approve the mobile phone payment. Mobile payment method through the network type OTP authentication of the multiple authentication method. The method of claim 1, Transmitting, by the mobile phone, OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) and the OTP generated through the terminal-side OTP generation information to a server on a communication network; And If the server generates and transmits the N-digit OTP, receiving and outputting the N-digit OTP in the mobile phone; Mobile phone payment through the network type OTP authentication of multiple authentication method comprising a; Way. 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 to the OTP medium through the user password or user identification number, characterized in that the mobile phone payment method through the network type OTP authentication of the multiple authentication method. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. OTP medium information including mobile phone unique information registered as an OTP (One Time Password) medium, and terminal side OTP generation information and N (N> = 2) digits included in the USIM (or memory) of the mobile phone registered as the OTP medium. A storage medium storing OTP generation information for generating an OTP; 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. Information receiving means for receiving OTP medium authentication information including mobile phone unique information stored in a USIM (or memory) of the mobile phone and OTP generated through the terminal-side OTP generation information; Comparing (or verifying) the OTP medium information stored in the storage medium with the OTP medium authentication information, the mobile phone is first authenticated with an OTP medium that generates (or outputs) an N-digit OTP and stores the stored information in the storage medium. Medium authentication means for generating an OTP 'through the terminal-side OTP generation information on an OTP medium and comparing (or verifying) the received OTP to second authentication of the mobile phone with the OTP medium; OTP generation means for generating an N-digit OTP through OTP generation information on the OTP medium stored in the storage medium when the mobile phone is authenticated with the OTP medium by the first and second; OTP transmission means for transmitting the generated N-digit 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 OTP generation information when the N-digit OTP is received 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 confirming OTP generation information for the OTP medium stored in the storage medium, the N-digit OTP 'is generated through the OTP generation information, and the received N-digit OTP and the generated N-digit OTP' are compared. (Or a verification operation) to verify the validity of the N-digit OTP mobile phone payment system through the network type OTP authentication of the multiple authentication method.

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