KR20130061165A - Method for providing network type one time password by using a medium for near field communication - Google Patents

Method for providing network type one time password by using a medium for near field communication Download PDF

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Publication number
KR20130061165A
KR20130061165A KR1020130059395A KR20130059395A KR20130061165A KR 20130061165 A KR20130061165 A KR 20130061165A KR 1020130059395 A KR1020130059395 A KR 1020130059395A KR 20130059395 A KR20130059395 A KR 20130059395A KR 20130061165 A KR20130061165 A KR 20130061165A
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KR
South Korea
Prior art keywords
otp
mobile phone
user
information
medium
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KR1020130059395A
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Korean (ko)
Inventor
김재형
권봉기
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주식회사 비즈모델라인
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Priority to KR1020130059395A priority Critical patent/KR20130061165A/en
Publication of KR20130061165A publication Critical patent/KR20130061165A/en

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Abstract

PURPOSE: A network type OTP(One Time Password) supplying method is provided to perform mobile phone payment in which a mobile phone is registered as valid OTP medium by supplying OTP generation information to a mobile phone according to an authentication result. CONSTITUTION: A server receives N digit of OTP inputted through an OTP input interface outputted to a user terminal(600). The server confirms the OTP generation information corresponding to the OTP medium generating the N digit OTP from storage medium(605). The server generates an OTP by substituting more than one fixed seed value and dynamic seed value into a predetermined OTP generation algorithm(610). The server compares an OTP and checks validity of the OTP for authenticating mobile phone payment(620). The server supplies the OTP authentication result corresponding to an OTP validity error as a predetermined OTP authentication result reception unit(630). The server supplies the OTP authentication result corresponding to OTP validity confirmation as a predetermined OTP authentication result reception unit(635). [Reference numerals] (600) Server receives N digit of OTP from a user terminal(or cellular phone); (605) Server confirms OTP generation information from storage medium; (610) Server generates N digit of OTP through OTP generation information; (615) OTP generated?; (620) Server checks validity of the OTP by comparing(verifying) the received OTP and the generated OTP; (625) Validity of the OTP checked?; (630) Server provides an OTP authentication result corresponding to an OTP validity error to an OTP authentication result reception unit; (635) Server provides an OTP authentication result corresponding to OTP validity confirmation to the OTP authentication result reception means; (AA) Start; (BB,DD) No; (CC,EE) Yes; (FF) End

Description

Method for Providing Network Type One Time Password by using a Medium for Near Field Communication}

The present invention provides a network type OTP providing method using a contactless medium executed by a server capable of communicating with a mobile phone having a program for interfacing with a contactless medium owned by a user, wherein the program of the mobile phone interfaced with the contactless medium in a contactless manner. Authentication information for authenticating to receive and output N (N≥2) digits dynamically generated on the network through the network is processed to be stored in a designated storage medium, and the cellular phone interfaced with the contactless medium without contact. Receive the media information transmitted through the program of the program, process the validity of the media information to be authenticated through the storage medium, and if the validity of the media information is authenticated N-digit OTP dynamically generated program of the mobile phone Network using contactless media It relates to a method for providing a large type OTP.

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

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

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

SUMMARY OF THE INVENTION An object of the present invention is to provide a network type OTP using a contactless medium executed by a server capable of communicating with a mobile phone having a program for interfacing with a contactless medium owned by a user. A first step of processing authentication information for authenticating to receive and output N (N≥2) digits dynamically generated on a network through a program of the storage medium on a designated storage medium; A second step of receiving the media information transmitted through the program of the contactless interfaced mobile phone, a third step of processing the validity of the media information through the storage medium, and dynamic when the validity of the media information is authenticated. Generated N-digit OTP to the program of the mobile phone Providing networked O typhimurium using a non-contact medium for a fourth step of the ball way is to provide.

In a method for providing a network type OTP using a contactless medium according to the present invention, the method for providing a network type OTP using a contactless medium executed by a server capable of communicating with a mobile phone having a program for interfacing with a contactless medium owned by a user is provided. And storing authentication information for authenticating to receive and output an N (N≥2) -digit OTP (One Time Password) dynamically generated on a network through a program of a mobile phone interfaced with the contactless medium. A first step of processing, a second step of receiving media information transmitted through a program of a mobile phone interfaced with the contactless medium, and a third step of processing validity of the media information through the storage medium; and Dynamic if the media information is authenticated And a fourth step of providing the generated N-digit OTP to the program of the mobile phone.

In the method for providing a network type OTP using a contactless medium according to the present invention, the contactless medium includes at least one of a contactless IC card, an RF card, an RF device, and an RFID contactlessly interface with a contactless medium reader of the mobile phone. Characterized in that made.

In the network type OTP providing method using a contactless medium according to the present invention, the program is characterized in that it is automatically driven by being interfaced with the contactless medium in a contactless manner.

In the network type OTP providing method using a contactless medium according to the present invention, performing a designated communication procedure with the program of the mobile phone further comprises the step of confirming whether the program to interface with the contactless medium is mounted on the user's mobile phone The first step may include processing the authentication information to be stored in the storage medium when the program is mounted in the mobile phone of the user.

In the network type OTP providing method using a contactless medium according to the present invention, further comprising the step of authenticating the user of the program through a program provided in the mobile phone of the user, wherein the first step, And processing the authentication information to be stored in the storage medium based on a result of authenticating the user of the program.

In the network type OTP providing method using a contactless medium according to the present invention, the method further comprises the step of authenticating the mobile phone in a state in which the program to interface with the contactless medium as the OTP medium for outputting the OTP do.

In the network-type OTP providing method using a contactless medium according to the present invention, the medium information is read from the contactless medium to drive the program, information about the program driven through the interface with the contactless medium And at least one of information read by the program from the contactless medium and information authenticated by the program from the contactless medium.

In the network type OTP providing method using a contactless medium according to the present invention, the medium information, characterized in that further comprises the unique information uniquely stored in the memory unit or USIM of the mobile phone.

In the network type OTP providing method using a contactless medium according to the present invention, the medium information is characterized in that it further comprises a password or personal identification number registered by the user using the program of the mobile phone.

In the network-type OTP providing method using a contactless medium according to the present invention, when the validity of the medium information is authenticated, the step of processing to dynamically generate N-digit OTP through the generation information including at least one seed value It is characterized in that it further comprises.

In the network-type OTP providing method using a contactless medium according to the present invention, when the validity of the medium information is authenticated, identifying at least one seed value for generating the OTP from the received medium information and the The method may further include a step of dynamically generating the N-digit OTP using the generation information including the identified seed value.

In the network type OTP providing method using a contactless medium according to the present invention, the N-digit OTP is generated in the server, or characterized in that it is generated through an OTP server associated with the server.

In the network-type OTP providing method using a contactless medium according to the present invention, the fifth step of checking the OTP input and transmitted through the user terminal used by the user after being provided as a program of the mobile phone and the validity of the confirmed OTP The sixth step of processing to be authenticated and the seventh step of providing a result of authenticating the validity of the OTP to the program of the mobile phone or the user terminal.

In the method for providing a network type OTP using a contactless medium according to the present invention, the sixth step may be to authenticate the validity of the OTP in the server, or to authenticate the validity of the OTP through an OTP server associated with the server. To receive the result of authenticating the OTP.

In the network-type OTP providing method using a contactless medium according to the present invention, the method further comprises the step of performing a payment or financial transaction procedure requested from the user terminal when the validity of the OTP is authenticated, The seventh step may include providing a result of performing the payment settlement or financial transaction procedure.

According to the present invention, when the mobile payment is approved using the OTP, but does not store the information necessary 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 generating the OTP Every time the mobile phone is authenticated as a valid OTP medium, and the user medium owned by the user (including one or more of an IC card, an MS card, an RF card, an RF device, an RFID device, and a USB device) is authenticated. By authenticating whether the user is a valid user, there is an advantage of preventing unauthorized payment of a mobile phone by using another's mobile phone and personal information.

It is another object of the present invention to generate an N-digit OTP through OTP generation information associated with user media information read from a user medium through a mobile phone in a server on a communication network according to the authentication result when paying for a mobile phone using an OTP. If the mobile phone is provided to the mobile phone, the mobile phone receives and outputs the N-digit OTP, thereby generating and outputting the N-digit OTP for mobile phone payment only by the mobile phone registered as a valid OTP medium.

1 is a diagram illustrating a mobile phone function configuration having a function of generating an OTP for authenticating a mobile phone payment according to an embodiment of the present invention.
2 is a diagram illustrating a mobile phone OTP system configuration for authenticating mobile phone payment according to an embodiment of the present invention.
3 is a diagram illustrating an OTP medium registration process according to an embodiment of the present invention.
4 is a diagram illustrating an OTP generation process according to an embodiment of the present invention.
5 is a diagram illustrating a user media processing process according to an embodiment of the present invention.
6 is a diagram illustrating an OTP authentication process according to an embodiment of the present invention.
7 is a diagram illustrating a configuration of an OTP-based mobile phone payment processing system according to an embodiment of the present invention.
8 is a diagram illustrating an OTP-based mobile phone payment process according to an embodiment of the present invention.
9 is a diagram illustrating an OTP-based mobile phone payment process according to another embodiment of the present invention.

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. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be 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 the 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 and a battery 135 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 140 corresponding to an antenna and various RF modules, and a memory unit 155 corresponding to a nonvolatile memory. And a Universal Subscriber Identity Module (USIM) 145 corresponding to an integrated circuit (IC) chip storing universal subscriber identification information, and a USIM reader unit for reading / writing information (or data) to the USIM 145 ( 150) and a battery 135 for supplying power to the user from the user medium 125 corresponding to any one of an IC card, an MS card, an RF card, an RF device, an RFID device, and a USB device. Uniquely assigned card information, device information, RFID information Characterized in that obtained by having the user media 125, the media reader 130 for reading information corresponding to any one of the USB information.

According to an embodiment of the present invention, the user medium 125 information read from the user medium 125 may be configured to drive an OTP agent provided in the mobile phone 100 or to authenticate the generation of an OTP in the OTP agent. OTP generation information used as OTP driving information, included in OTP medium authentication information transmitted by an OTP agent provided in the mobile phone 100 to a server on a communication network, or generated by the OTP agent provided in the mobile phone 100. It is characterized in that it is used for one or more of those used as the seed value of.

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. And a bus (BUS) for inputting and outputting data, and an electronic circuit (or integrated circuit) provided therefor, and software to the execution memory from the memory unit 155 or a memory device (or chipset). 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 function component that processes input and output of sound in each operation mode of the mobile phone 100. The sound processor 115 decodes one or more encoded sound data to a speaker provided in the mobile phone 100. Or a vocoder and a codec for encoding or encoding a sound signal input through a microphone provided in the mobile phone 100.

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

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

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

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

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

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

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

The medium reader unit 130 is set as card information (or user medium 125 information) corresponding to the user medium 125 information from the user medium 125 corresponding to the contactless IC card or the contact IC card. IC card reader section for reading the code information recorded in the memory of the card, from the user medium 125 corresponding to the MS card to the card information (or user medium 125 information) corresponding to the user medium 125 information An MS card reader unit for reading the digit information recorded on the track of the MS card, and the card information (or user medium 125) corresponding to the user medium 125 information from the user medium 125 corresponding to the RF card. RF card reader unit which is set as information and reads code information recorded in the memory of the RF card; RFID information corresponding to the user medium 125 information from the user medium 125 corresponding to RFID RF card reader unit configured as medium 125 information to read the code information recorded in the memory of the RFID), and USB device information corresponding to the user medium 125 information from the user medium 125 corresponding to the USB device. (Or code information recorded in the memory of the USB device, which is set as the user medium 125 information) and includes one or more of a USB reader unit, and the user medium 125 according to the intention of a person skilled in the art. Can be implemented in various modifications, and the present invention records information usable as the user medium 125 information and records the user information. Obviously, all the media that transmits the media 125 information to the mobile phone 100 through the media reader 130 can be used as the user media 125. The.

The wireless communication unit 140 is a functional component that connects a wireless channel with a base station on a mobile communication network in which the cellular phone 100 operates based on WCDMA, and a CDMA modem and various RF modules (eg, a duplexer filter, a power amplifier, and a high output). High Power Amplifier (HPA), Isolator, RF / IF SAW Filter, Frequency Up Circuit, Frequency Down Converter, VCTCXO, UHF Frequency Synthesizer, etc.) And a location registration or a slot mode, a power control, or a hand-off corresponding to each operation mode of the mobile phone 100 in association with the controller 105. off) or call processing procedure.

According to another embodiment of the present invention, if the mobile phone 100 shown in FIG. 1 is a portable Internet terminal, the wireless communication unit 140 connects to the IEEE 802.16x-based portable Internet to provide a wireless communication function configuration. It is possible to include, it is possible to implement the present invention by modifying to other wireless communication configuration of various forms to provide wireless data communication in addition to the portable Internet, the invention is not limited by the configuration of the wireless communication unit 140 It is clear that no.

The USIM reader unit 150 is a function component unit for exchanging one or more information (or data or command) with the USIM 145 mounted 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 145 through an application protocol data unit (APDU). , Or command).

The USIM 145 mounted 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 145 is a power supply (VCC), Communicating (e.g. command or data exchange) with the USIM reader 150 via contact points such as reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), input / output (I / O), etc. Etc.), a processor unit comprising one or more arithmetic elements including a central processing unit (CPU), a micro process unit (MPU), a coprocessor, and the like, a read only memory (ROM), and a random access memory (RAM). It is composed of a memory consisting of one or more memory elements, including Access Memory (EEPROM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM), and the like, in particular one or more of the memory elements (eg, ROM) Manage internal resources of IC card An operating chip operating system (COS) is stored. When power is supplied from the USIM reader unit 150 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 145 and communicate with the USIM 145 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 150.

According to the present invention, the memory of the USIM 145 is preferably provided with an OTP applet containing various information and program codes necessary for generating the OTP in the mobile phone 100, the OTP applet is a mobile phone 100 The USIM 145 includes a storage unit (not shown) for storing a data set corresponding to information or data that is read and read or used by a processor included in the processor, and an instruction set provided by arithmetic functions and COS of the processor unit. A program routine (e.g., a Java Applet in the case of a Javacard) that is driven or executed and operates within the mobile phone 100 and interacts with the instruction set of the COS. A processor corresponding to an application including an instruction call code to be executed and an execution code to be processed by the processor In particular, the processing unit reads a command provided from the processor provided in the mobile phone 100 via the input and output interface through 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 method of the present invention, the USIM 145 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 the IC chip information stored in the fixed storage area of the USIM 145 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 145 may include a mobile identification number (MIN), a serial number (ESN), a subscriber identification number, in a fixed storage area of the USIM 145 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 145, or the mobile phone 100 can generate the OTP. It is preferred to include a separate OTP medium identifier (eg, non-overlapping code value) or USIM 145 identifier registered to authenticate that the OTP medium is equipped with.

According to an embodiment of the present invention, when reading the user medium 125 information from the user medium 125, the storage unit of the OTP applet stores the user medium 125 information read from the user medium 125. Or to derive a specific value through user media 125 authentication information (for example, the user media 125 information and a predetermined verification operation) for authenticating user media 125 information read from the user media 125. Information), and when the user medium 125 information corresponding to the OTP agent driving information is read from the user medium 125 through the media reader 130, the processing unit of the OTP applet, Providing the user medium 125 information (or user medium 125 authentication information) stored in the storage unit to the mobile phone 100 to set the user medium 125 in the mobile phone 100. Or the user medium 125 information is received from the mobile phone 100, and the user medium 125 information and the stored user medium 125 information (or user medium 125 authentication information). It is preferable to have a function of processing (or verify operation) to ensure that the validity of the user medium 125 is authenticated.

According to an embodiment of the present invention, if the user medium 125 information is used as OTP driving information for driving the OTP agent provided in the mobile phone 100 or authenticating the OTP generation in the OTP agent, If the validity of the user medium 125 is authenticated, it is preferable that the OTP agent is started, or it is initiated (or authenticated) to generate an OTP for [OTP purpose] in the OTP agent.

Alternatively, when the user medium 125 information is included in OTP medium authentication information transmitted by an OTP agent provided in the mobile phone 100 to a server on a communication network, when the validity of the user medium 125 is authenticated, the user medium (125) It is preferable to include the information in the OTP medium authentication information transmitted to the server on the communication network, if the validity of the user medium 125 information in the server on the communication network, through the USIM (145) Authenticating the validity of the user medium 125 may be omitted.

Alternatively, when the user medium 125 information is used as a seed value of OTP generation information for generating an OTP by the OTP agent provided in the mobile phone 100, if the validity of the user medium 125 is authenticated, the user medium The information 125 is preferably used as a fixed seed value (or a part of the fixed seed value) constituting the OTP generation information, and the user medium 125 information does not include a code structure to be used as the fixed seed value. In this case, the processing unit of the OTP applet may further include a function of processing the user medium 125 information into the fixed seed value through a predetermined hash function.

According to an embodiment of the present invention, the memory of the USIM 145 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 155 is a general term for a nonvolatile memory corresponding to a storage medium for storing one or more information (or data) in the mobile phone 100 and a recording medium for recording program codes corresponding to one or more program routines. And a read only memory (ROM) corresponding to the read only memory, a flash memory (FM), an electrically erasable and programmable read only memory (EEPROM), and the like.

According to the exemplary embodiment of the present invention, the memory unit 155 may encrypt and store a 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 155 is one or more mobile phones 100 registered in a server on the communication network to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP It is desirable to store unique information.

Here, the unique information of the mobile phone 100 provided in the memory unit 155 may include a mobile identification number (MIN) and a serial number stored in a predetermined system area of the memory unit 155 provided in the mobile phone 100. A number that includes one or more of an ESN, an subscriber identification number, and an International Mobile Equipment Identity (IMEI), or a separate registered to authenticate that the mobile phone 100 is an OTP medium equipped with an OTP agent capable of generating the OTP. It is preferred to include an OTP medium identifier (eg, a non-overlapping code value).

According to the exemplary embodiment of the present invention, when reading the user medium 125 information from the user medium 125, the memory unit 155 reads the user medium 125 information read from the user medium 125. Deriving a specific value through user media 125 authentication information (for example, the user media 125 information and a preset verification operation) for storing or authenticating user media 125 information read from the user media 125. Information) is read, and when the user medium 125 information corresponding to the OTP agent driving information is read from the user medium 125 through the media reader unit 130, the OTP agent (or OTP) is read. The agent drive program) compares (or verifies) the stored user medium 125 information (or user medium 125 authentication information) so that the validity of the user medium 125 is authenticated. It is desirable to have a function of locking processing.

According to an embodiment of the present invention, if the user medium 125 information is used as OTP driving information for driving the OTP agent provided in the mobile phone 100 or authenticating the OTP generation in the OTP agent, If the validity of the user medium 125 is authenticated, the OTP agent is driven by an OTP agent driving program, or the OTP agent is started (or authenticated) to generate an OTP for [OTP purpose] in the OTP agent. desirable.

Alternatively, when the user medium 125 information is included in the OTP medium authentication information transmitted by the OTP agent provided in the mobile phone 100 to the server on the communication network, when the validity of the user medium 125 is authenticated, the OTP agent It is preferable to include the user medium 125 information in the OTP medium authentication information transmitted to the server on the communication network. If the validity of the user medium 125 information is confirmed by the server on the communication network, the USIM 145 Authentication of the validity of the user medium 125 may be omitted.

Alternatively, when the user medium 125 information is used as a seed value of OTP generation information for generating an OTP by the OTP agent provided in the mobile phone 100, if the validity of the user medium 125 is authenticated, the user medium The information 125 is preferably used as a fixed seed value (or a part of the fixed seed value) constituting the OTP generation information, and the user medium 125 information does not include a code structure to be used as the fixed seed value. In this case, the OTP agent (or processing unit of the OTP applet) may further include a function of processing the user medium 125 information into the fixed seed value through a predetermined hash function.

Referring to FIG. 1, the mobile phone 100 reads user media 125 information from the user media 125 through the media reader 130, and reads the user media 125 information. The OTP agent provided in the mobile phone 100 is processed or processed to be used as OTP driving information for authenticating the OTP generation by the OTP agent, or the OTP agent provided in the mobile phone 100 is a server on a communication network. It is provided with a user media processing unit 160 for processing to be included in the OTP medium authentication information to be transmitted to, or to be used as a seed value of the OTP generation information for generating the OTP OTP agent provided in the mobile phone 100 It is characterized by.

The user media processing unit 160 outputs a user medium 125 interface for requesting to read preset user media 125 information from the user medium 125 through the screen output unit 110, and the media reader unit. Card information, device information, RFID information, and USB information uniquely assigned to the user from the user medium 125 corresponding to any one of the IC card, the MS card, the RF card, the RF device, the RFID, and the USB device through the 130. Check whether the user medium 125 information corresponding to any one of the read information is read.

When the user medium 125 information drives the OTP agent provided in the mobile phone 100 according to an exemplary embodiment of the present invention, the predetermined user medium 125 information is read through the media reader 130. When the user medium processing unit 160 stores information about the user medium 125 through the user medium 125 information (or user medium 125 authentication information) stored in the USIM 145 / memory unit 155. When the validity is confirmed, and the validity of the user medium 125 is confirmed, the OTP agent provided in the mobile phone 100 is driven. In this case, the user media processing unit 160 drives the OTP agent. It is desirable to perform the function of the OTP agent running program.

Alternatively, when the user medium 125 information is used as OTP driving information for authenticating generation of OTP by the OTP agent, when the predetermined user medium 125 information is read through the media reader 130, The user medium processing unit 160 validates the validity of the user medium 125 information through the user medium 125 information (or user medium 125 authentication information) stored in the USIM 145 / memory unit 155. Confirm and process the user medium 125 validation result as a user authentication result for generating an N-digit OTP for authenticating payment of the mobile phone 100 or N for authenticating payment of the mobile phone 100. It is preferable to use it as a result of OTP generation validity for generating digit OTP.

According to another exemplary embodiment of the present invention, when the user medium 125 information is included in OTP medium authentication information transmitted by an OTP agent provided in the mobile phone 100 to a server on a communication network, the medium reader unit 130 When predetermined user media 125 information is read through the user media processing unit 160, the user media 125 information to be read through the media reader 130 is included in the OTP media authentication information. Preferably, in accordance with the intention of the person skilled in the art, the user medium 125 information (or user medium) stored in the USIM 145 / memory unit 155 before including the user medium 125 information in the OTP medium authentication information. (125) authentication information) preferably further includes a function for confirming validity of the user medium 125 information, and processing the validity of the user medium 125 to a server on a communication network. Wu be omitted.

According to another exemplary embodiment of the present invention, when the user medium 125 information is used as a seed value of OTP generation information for generating an OTP by the OTP agent provided in the mobile phone 100, the media reader 130 When the preset user media 125 information is read through the user media processing unit 160, the user media processing unit 160 may use the read user media 125 information read through the media reader 130 as a seed value of the OTP generation information. Preferably, if the user medium 125 information does not include a code structure for using the information as a seed value of the OTP generation information, the user medium 125 information is added to the seed value of the OTP generation information. It is desirable to work with the corresponding code structure. The user medium processing unit 160 stores the user medium 125 stored in the USIM 145 / memory unit 155 before using the user medium 125 information as a seed value of the OTP generation information according to the intention of a person skilled in the art. It is further possible to further include a function of checking the validity of the user medium 125 information through the information (or user medium 125 authentication information).

Referring to FIG. 1, the mobile phone 100 includes a user authentication unit 165 for processing user authentication for generating an N-digit OTP for authenticating payment of the mobile phone 100. .

A dedicated key button for requesting to generate an 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 165 receives a user password or user personal identification number for user authentication through the screen output unit 110. Outputs a user authentication interface to input, and if a user password or a user personal identification number is input through the user authentication interface, processing a user authentication for generating an OTP of digits through the input user password or user personal identification number; Characterized in that the user medium 125 validation result is the N When used as a user verification result to generate the OTP of risu, it is possible to omit the user authentication unit 165 authenticates the user validate through the user password or the user PIN.

When the user authentication function for generating the OTP is provided in the USIM 145 according to the exemplary embodiment of the present invention, the user authentication unit 165 may input the user password through the USIM reader unit 150. Or transmits a user personal identification number to the USIM 145, 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 145 or a processing unit provided in the OTP applet. It is preferable to receive a result and read the user authentication result to confirm whether the user validity for generating the OTP in the mobile phone 100 is authenticated.

When the user authentication function for generating the OTP is provided in the memory unit 155 according to another embodiment of the present invention, the user authentication unit 165, if the user password or user personal identification number is input, Decrypting the user password or user personal identification number encrypted and stored in the memory unit 155 according to a predetermined 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 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. Characterized in that the authentication processing unit 170 for authenticating that the agent is provided with the OTP medium.

If the user authentication for generating the OTP in the mobile phone 100 is processed by the user authentication unit 165, the authentication processing unit 170 is provided in the USIM 145 / memory unit 155 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 personal identification number and the identified unique mobile phone 100 information, and the security set between the mobile phone 100 and the server. Preferably, the communication session is encrypted by a 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 the user. A code value generated by substituting a password or a user personal identification number and the unique information of the mobile phone 100 into a preset code generation algorithm may be determined as the OTP medium authentication information, and the user password or the user personal identification number and the mobile phone. (100) The present invention by the method of configuring the OTP medium authentication information through the unique information This is not limited.

For example, the authentication processing unit 170 generates a media verifier by hashing at least one 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 170 hashes the user password or user personal identification number through a one-way hash function, the hashed user password or user personal identification number, at least one random number value, and 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.

If the user medium 125 information is included in the OTP medium authentication information, the OTP medium authentication information includes the mobile phone 100 unique information and the user medium 125 information. Alternatively, a user password or a user identification number may be included in the OTP medium authentication information according to the intention of the person skilled in the art.

According to 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 145 through any one of the various methods as described above.

If the USIM 145 is provided with the mobile phone 100 unique information, and the processing unit of the OTP applet generates the OTP medium authentication information, the processing unit of the OTP applet includes the mobile phone 100 unique information Generating OTP medium authentication information, or generating the OTP medium authentication information through a user password or a user personal identification number provided to the USIM 145 by the user authentication unit 165 and unique information of the mobile phone 100, It is possible to transfer the generated OTP medium authentication information to the authentication processing unit 170, it is also possible to encrypt the OTP medium authentication information in the USIM (145) 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 155, and the OTP medium authentication information is generated by the processing unit of the OTP applet, the authentication processing unit 170 unique information of the mobile phone 100. When transmitting to the USIM (145), 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 165 to the USIM (145) It is possible to generate the OTP medium authentication information through the provided user password or user personal identification number and the unique information of the mobile phone 100, and transfer the generated OTP medium authentication information to the authentication processing unit 170, which is intended by those skilled in the art. Accordingly, the USIM 145 may encrypt the OTP medium authentication information.

When OTP medium authentication information including unique information of the mobile phone 100 is generated, the authentication processor 170 authenticates the mobile phone 100 with an OTP medium provided with an OTP agent for authenticating the payment of the mobile phone 100. Check the server information on the communication network, and transmit the generated OTP medium authentication information to the server on the communication network through the wireless communication unit 140 according to a secure communication session established with the server on the communication network. The server on the receiving side receives the OTP medium authentication information (decryption when encrypted), and authenticates the mobile phone 100 unique information included in the received OTP medium authentication information and the mobile phone 100 payment of the mobile phone 100 The mobile phone 100 is connected to the mobile phone 100 by comparing (or verifying) the unique information of the mobile phone 100 registered to authenticate with an OTP medium equipped with an OTP agent. A characterized in that the authentication by the media provided with the OTP OTP agent for authentication.

If the OTP medium authentication information further comprises a user password or a user identification number, the user authentication function through the user password or user identification number is provided in the server on the communication network, or the user password or user identification number Is used by the server on the communication network to generate the N-digit OTP through the OTP generation information to provide the mobile phone 100, the server on the communication network is a user password or user personal included in the OTP medium authentication information The user authentication is processed by comparing (or verifying) the registered user password or user personal identification number in association with the identification number and the unique information of the mobile phone 100, or generates an N-digit OTP through the OTP generation information. To provide to the mobile phone 100 To check the validity is preferred.

When the server on the communication network authenticates the mobile phone 100 with an OTP medium equipped with an OTP agent for authenticating payment of the mobile phone 100 (or authenticates the mobile phone 100 with the provided OTP medium and authenticates the user. Is further processed), the server on the communication network confirms the OTP generation information (ie, information including one or more fixed seed values and parameters for generating the OTP) associated with the unique information of the mobile phone 100, Identifying / determining one or more fixed seed values and dynamic seed values for generating the N (N> = 2) digits OTP through the OTP generation information, and determining the one or more fixed seed values and dynamic seed values Substituting a predetermined OTP generation algorithm to generate an O (N> = 2) digits OTP, and transmitting the generated N (N> = 2) digits OTP to the mobile phone 100 through the mobile communication network As it is ranging, and the OTP generation information is preferably encrypted by a secure transport communications session provided between the server on the handset 100 and the communication network.

Referring to FIG. 1, the mobile phone 100 includes a receiver 175 for receiving 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 175 receives the N (N> = 2) digit OTP through the wireless communication unit 140, 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 180 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 near field communication means (not shown), the OTP output unit 180 transmits the generated OTP to the mobile phone 100 through the near field communication means. It is possible to output to a terminal (or device) located in the near field.

When the N (N> = 2) digit OTP is received, the OTP output unit 180 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 180 outputs an OTP output screen on the screen of the mobile phone 100 in association with the screen output unit 110 and the generated OTP output screen. It is preferable to output the OTP.

According to another exemplary embodiment of the present invention, the OTP output unit 180 outputs (or allocates) an OTP output region to a screen region currently output on the screen of the mobile phone 100 in association with the screen output unit 110. It is preferable to output 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 180 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 the communication network by the mobile phone 100 to the server for authenticating the OTP, the OTP output unit 180 is the wireless communication unit 140. 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, Figure 2 is stored in the storage medium 270 in association with the OTP medium authentication information and the OTP generation information corresponding to the mobile phone 200 registered as the OTP medium for authenticating the payment of the mobile phone 200, Providing an OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. 1 to the mobile phone 200 (however, if the mobile phone 200 is provided with an OTP agent), the mobile phone 200 may be replaced. When used as an OTP medium, when the mobile phone 200 is authenticated as an OTP medium by receiving and reading OTP medium authentication information from the mobile phone 200, and the mobile phone 200 is authenticated as an OTP medium, the storage medium 270. After confirming the OTP generation information corresponding to the mobile phone 200 from and generates an N-digit OTP to provide to the mobile phone 200, the N-digit number for authenticating the payment of the mobile phone 200 in the mobile phone 200 To output OTP The mobile phone 200 including the OTP operating system is shown as a configuration of the OTP system, and those skilled in the art to which the present invention pertains, the mobile phone 200 by referring to and / or modifying the present figure 2 While various implementation methods (eg, some components may be omitted, subdivided, or combined) for OTP system configuration may be inferred, the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the OTP system of the mobile phone 200 includes an OTP authentication requesting OTP authentication to a mobile phone 200 having the OTP agent configuration shown in FIG. 1 and a user having the mobile phone 200. The request server 215 and the OTP medium authentication information corresponding to the mobile phone 200 registered as the OTP medium and the OTP generation information are stored in the storage medium 270, and the mobile phone 200 is stored in FIG. 1. After providing the OTP agent corresponding to the illustrated mobile phone 200 configuration (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, the mobile phone 200 Receives and reads OTP medium authentication information from the mobile phone 200 to the OTP medium, and if the mobile phone 200 is authenticated as the OTP medium, the mobile phone 200 corresponding to the mobile phone 200 from the storage medium 270 After checking the OTP generation information, By generating and providing to the mobile phone 200, the mobile phone 200 comprises an OTP operating system for processing to output the N-digit OTP for authenticating the payment of the mobile phone 200, characterized in that It further comprises a user terminal 205 used by the user having the mobile phone 200 according to the intention, and the OTP server 220 for authenticating the N-digit OTP generated by the mobile phone 200.

According to the present invention, the OTP operating system, each means constituting the OTP operating system is implemented in the form of one integrated server, or each means (or a combination of two or more means) constituting the OTP operating system The server system is implemented in the form of each server, or some of the means for configuring the OTP operating system is implemented in the form of a server and the other part of the OTP server 220, OTP authentication request server 215, Each means for constituting one or more of the communication server servers 215 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 215 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 user authentication by receiving a generation command (or OTP agent driving command), OTP medium authentication information requesting to authenticate the mobile phone 200 with the OTP medium is generated and transmitted to the OTP operating system, and the OTP operating system When the mobile phone 200 is authenticated as an OTP medium, the mobile phone 200 receives an N-digit OTP generated through the OTP generation information from the OTP operating system. Characterized in that the output.

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

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

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

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

Referring to FIG. 2, the OTP operating system includes 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. Receive OTP medium information further includes information, and generates (or assigns) OTP generation information for generating N-digit OTP on the OTP operating system to authenticate the mobile phone 200 payment, the OTP medium information OTP medium registration means 225 for storing the OTP generation information in association with the storage medium 270, and when the mobile phone 200 is registered as the OTP medium, the mobile phone 200 shown in FIG. If the OTP agent is not provided, the mobile phone 200 further comprises a mobile phone processing means 230 for providing an 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 the OTP medium information including mobile phone 200 unique information and customer information corresponding to the mobile phone 200, and further including user media information. (Or confirm) and transmit the data through the communication network, the OTP medium registration means 225 receives the OTP medium information through the communication network.

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

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

According to an embodiment of the present invention, the OTP medium information may further include user medium information read from the user medium, or user medium authentication information for authenticating the store user medium information. If the provided agent checks the validity of the user media information or does not transmit the user media information in the process of generating the OTP using the mobile phone 200 as the OTP medium, it may be omitted.

If the mobile phone 200 reads and transmits user media information from a user medium, the user media information is used to authenticate user validity or OTP generation validity of the mobile phone 200 registered as the OTP medium, It is preferable to be used as a validation condition for generating an N-digit OTP through the OTP generation information.

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

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

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

* Or, if 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. It is preferable.

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 215, thereby providing the mobile phone 200 through the communication company server 215. 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 operates the OTP to authenticate payment of the mobile phone 200. Generate (or allocate) OTP generation information for generating an N-digit OTP on the system.

The OTP generation information is maintained on the OTP operating system, and parameters for determining one or more fixed seed values and dynamic seed values for generating an N-digit OTP to be provided to the mobile phone 200 by the OTP operating system. It is preferable to comprise a.

When the OTP medium information is received from the OTP registration terminal, and the OTP generation information is generated (or assigned), the OTP medium registration means 225 associates the OTP medium information with the OTP generation information and stores a storage medium ( 270).

When the mobile phone 200 is registered as the OTP medium by the OTP medium registration means 225, the user medium information is included in the OTP medium information, and the mobile phone 200 confirms the validity of the user medium. The mobile phone processing means 230 connects a communication channel with the mobile phone 200 corresponding to the unique information of the mobile phone 200 through a mobile communication network, and authenticates the user medium information (or the user medium information). Information) to the mobile phone 200, and stored in the USIM / memory unit provided in the mobile phone (200).

If the user media information is included in the OTP medium information and the mobile medium 200 confirms the validity of the user medium, the OTP agent corresponding to the configuration of the mobile phone 200 shown in FIG. When not provided, the mobile phone processing means 230 provides the mobile phone 200 with an OTP agent program code corresponding to the configuration shown in FIG. 1 to record on the recording medium provided in the mobile phone 200. Preferably, the OTP agent program code and user media information (or user media authentication information for authenticating the user media information) are provided to the mobile phone 200 through a separate channel, or the OTP agent program code and the Package data further comprising user media information (or user media authentication information for authenticating the user media information) It is possible that both are provided to the mobile phone 200, whereby the present invention is not limited.

Referring to FIG. 2, the OTP operating system includes information receiving means 235 for receiving OTP medium authentication information requesting to authenticate the mobile phone 200 as an OTP medium from the mobile phone 200 through a mobile communication network; And a medium authentication means 240 for 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. At 200, the mobile station 200 checks (or extracts) the unique information of the mobile phone 200 from the USIM / memory unit, and configures the OTP medium authentication information including the unique information of the mobile phone 200 to transmit the information through the mobile communication network. The means 235 is characterized in that receiving the OTP medium authentication information including the unique information of the mobile phone 200 through the mobile communication network.

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

According to 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.

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

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

If the user medium information is included in the OTP medium authentication information, the medium authentication means 240 is a user medium information that matches the user medium information included in the OTP medium authentication information from the storage medium 270 ( Or checking the user medium authentication information, comparing the user medium information included in the OTP medium authentication information with the user medium information included in the OTP medium information (or verifying user medium authentication information), and comparing (or verifying) the user medium information. Operation) result of the user medium information included in the OTP medium authentication information and the user medium information included in the OTP medium information stored in the storage medium 270 is matched (or matched), or a result predicted through a verification operation If derived, the mobile phone 200 that has transmitted the OTP medium authentication information to a valid mobile phone 200 registered as an OTP medium by the OTP medium registration means 225 Authentication or processing to verify that the validity for generating an N-digit OTP through the OTP generation information is confirmed.

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

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 generating the N-digit OTP through the validity for the user of the mobile phone 200 or the OTP generation information is further authenticated ( 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 user's personal information. Characterize the OTP generation information associated with the identification number.

When the user medium information is used as the OTP generation information according to an embodiment of the present invention, the information checking means 265 may include the user medium information (or the OTP generation information) at a fixed seed value included in the OTP generation information. Confirm the fixed seed value further including the user medium information processed to be used as the fixed seed value of the OTP generation information, or the OTP generation information does not include a separate fixed seed value. When using the fixed seed value of, it is preferable to check the user medium information (or the user medium information processed to be used as the fixed seed value of the OTP generation information) as the fixed seed value of the OTP generation information.

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 provided to the mobile phone 200 through a communication network, checks OTP generation information connected to unique information of the mobile phone 200 generating the OTP, and checks N. Generate a digit OTP '(or confirm the N-digit OTP' provided to the mobile phone 200), and compare (or verify operation) the N-digit OTP 'to verify whether the received OTP is valid. Characterized in that it comprises the OTP authentication means 255, the function of authenticating the OTP in the OTP authentication means 255 can be implemented in a separate OTP server 220, the present invention is all inferred It is clearly understood that this is done including the method of implementation.

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 from the storage medium 270, and then the OTP. Generates N-digit OTP through the generated information, and if the O-digit OTP provided to the mobile phone 200 can be confirmed by the OTP operating system, the OTP authentication means 255 passes to the mobile phone 200. Confirm the N-digit OTP provided as OTP '.

When the N-digit OTP is generated / confirmed, 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) OTP authentication for authenticating payment is processed.

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.

* Figure 3 shows in detail the process of registering the user's mobile phone 200 as the OTP medium on the mobile phone 200 OTP system shown in Figure 2 to authenticate the mobile phone 200 payment, the present invention Those skilled in the art may refer to and / or modify this drawing to implement various methods of implementing the OTP medium registration process (for example, some steps may be omitted or the order may be changed). Although it may be inferred, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

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

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

The server receives the OTP medium information including the mobile phone 200 unique information and customer information from the OTP registration terminal, and further includes user media information, and transmits the mobile phone 200 unique information and customer information to the mobile phone ( In operation 315, the validity of using the mobile phone 200 corresponding to the unique information of the mobile phone 200 as an OTP medium is provided to the communication company server 215 corresponding to the unique information.

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

On the other hand, if the validity of using the mobile phone 200 as the OTP medium is confirmed (320), the server generates OTP generation information for generating an N-digit OTP to provide to the mobile phone 200 from the server to the OTP medium In operation 335, the storage medium 270 stores the OTP medium information and the OTP generation information in association with the storage medium 270.

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 an OTP server 220 or a communication company server 215 storing 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. Providing a corresponding OTP agent program code to the mobile phone 200 (350), the mobile phone 200 is the OTP agent program in the recording medium (for example, the program area of the USIM / memory unit) provided in the mobile phone 200 Record the code (355).

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

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

In more detail, Figure 4 shows that after the user's mobile phone 200 is registered as an OTP medium through the process shown in Figure 3, the mobile phone 200 shown in Figure 1 and the OTP operating system shown in Figure 2 and In the process of outputting N (N> = 2) digits in association, the process of generating an OTP without using a user medium is illustrated. The method of using a user medium in the process shown in FIG. It will be illustrated and described. Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 4 to implement various implementation methods (e.g., some steps may be omitted or the order may be changed) for the OTP generation process. It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

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

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

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

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

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

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

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

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

On the other hand, if the mobile phone 200 is authenticated as a valid OTP medium (435), the server checks the OTP generation information associated with the OTP medium information including the unique information of the mobile phone 200 from the storage medium 270 (445) ), Identifying / determining one or more fixed seed values and dynamic seed values through the OTP generation information, and substituting the identified / determined one or more fixed seed values and dynamic seed values into a preset OTP generation algorithm to obtain N-digit OTP. Generate (450), the server transmits the generated N-digit OTP to the mobile phone 200 through a communication channel (450), and correspondingly the mobile phone 200 receives the N-digit OTP Output 455.

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

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

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

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

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

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

On the other hand, if the user medium validity is authenticated (515), the mobile phone 200 drives the OTP agent (525), and configures and transmits the OTP medium authentication information to the server through the process shown in Figure 4, or When the OTP agent is pre-driven, after processing the user medium validity verification result as a user authentication result, and performs the process of configuring the OTP medium authentication information through the process shown in Figure 4 to transmit to the server.

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

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

In more detail, FIG. 6 illustrates an N (N>) generated by the mobile phone 200 shown in FIG. 1 through a process shown in FIGS. 4 and 5 through a communication network in the OTP operating system shown in FIG. = 2) illustrates the process of receiving OTPs of digits, generating N digits OTP 'matching the OTP, and comparing (or verifying) the received N digits of OTP and OTP' to authenticate OTP validity. As those skilled in the art to which the present invention pertains, various methods of implementing the OTP authentication process (for example, some steps may be omitted or the order may be changed) by referring to and / or modifying the present invention. Method) can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

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

Referring to FIG. 6, after the N-digit OTP is generated / output by the mobile phone 200 shown in FIG. 1 through the process shown in FIGS. 4 and 5, the server is shown in FIG. Receiving the N-digit OTP input through the OTP input interface output to the user terminal 205, or receives the generated N-digit OTP from the mobile phone 200 shown in Figure 1 (600), The OTP generation information corresponding to the OTP medium that generated the N-digit OTP from the storage medium 270 is checked (605).

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

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

Thereafter, the server confirms one or more fixed seed values for generating the 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. In operation 610, the determined one or more fixed seed values and dynamic seed values are substituted into a predetermined OTP generation algorithm.

If the N-digit OTP 'is generated (615), 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. (620).

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 (625), the server receives a predetermined OTP authentication result receiving means (for example, OTP authentication request server 215, user terminal 205, mobile phone) OTP authentication result corresponding to the OTP validity error (Including one or more of 200) (630).

On the other hand, if the OTP validity is confirmed (625), 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) (635).

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

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

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

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

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

According to an exemplary embodiment of the present invention, the user terminal 705 selects a mobile communication company corresponding to the user mobile phone 700 and the user mobile phone 700 number from the OTP authentication request server 715 or the mobile phone 700 payment system. And receiving a mobile phone 700 payment interface for inputting the user's social security number and outputting it to the screen output means, and selecting the mobile communication company corresponding to the user mobile phone 700 with the mobile phone 700 payment interface through a key input means; After inputting the user mobile phone 700 number and user social security number information to the OTP authentication request server 715 or mobile phone 700 payment system, the OTP authentication request server 715 or mobile phone 700 from the payment system OTP input interface for inputting the OTP generated by the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. Receives the data and outputs it to the screen output means, and inputs the OTP generated by linking the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. 2 to the OTP input interface through a key input means. Characterized in that the transmission to the OTP authentication request server 715 or mobile phone 700 payment system.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Referring to FIG. 7 according to another exemplary embodiment of the present invention, the mobile phone 700 payment system selects a mobile communication company corresponding to the user mobile phone 700 by the user terminal 705 accessing the small payment target website. And an interface for providing a mobile phone 700 payment interface for inputting a user mobile phone 700 number, a user social security number, and an OTP generated by linking the mobile phone 700 shown in FIG. 1 and the OTP operating system shown in FIG. Providing means 735 and information receiving means 740 for receiving mobile carrier selection information and user mobile phone 700 number, user social security number information and OTP corresponding to the user mobile phone 700 through the mobile phone 700 payment interface And transmitting the user's mobile phone 700 number and the user's social security number information to a communication company server 710 corresponding to the received mobile communication company selection information. Characterized in that formed by having the server use user's mobile phone through a 710 700 number and the user authentication unit 745 for authenticating the user to receive and read out the user authentication results corresponding to the check result of user social security number.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

100: mobile phone 105: control unit
110: Screen output unit 115: Sound processing unit
120: key input unit 125: user media
130: media reader 135: battery
140: wireless communication unit 145: USIM
150: USIM reader unit 155: memory unit
160: user media processing unit 165: user authentication unit
170: authentication processing unit 175: receiving unit
180: OTP output unit

Claims (15)

  1. A method for providing a network type OTP using a contactless medium executed by a server capable of communicating with a mobile phone having a program for interfacing with a contactless medium owned by a user,
    Authentication information for authenticating to receive and output an N (N≥2) digit number of OTP (One Time Password) dynamically generated on a network through a program of a mobile phone interfaced with the contactless medium in a non-contact manner is stored in a designated storage medium. A first step of doing;
    A second step of receiving media information transmitted through a program of a mobile phone that is contactlessly interfaced with the contactless medium;
    A third step of processing the validity of the media information through the storage medium; And
    And providing a dynamically generated N-digit OTP to the program of the mobile phone when the validity of the media information is authenticated.
  2. The method of claim 1, wherein the contactless medium,
    Method for providing a network type OTP using a contactless medium, characterized in that it comprises at least one of a contactless IC card, RF card, RF device, RFID to interface with the contactless media reader of the mobile phone.
  3. The program according to claim 1,
    Method of providing a network type OTP using a contactless medium, characterized in that is automatically driven by the contactless interface with the contactless medium.
  4. The method of claim 1,
    Performing a designated communication procedure with the program of the mobile phone to determine whether a program for interfacing with the contactless medium is mounted on the mobile phone of the user;
    The first step is a network type OTP providing method using a contactless medium, characterized in that when the program is mounted on the mobile phone of the user so that the authentication information is stored in the storage medium.
  5. The method of claim 1,
    Further comprising the step of authenticating the user of the program through a program provided in the user's mobile phone,
    The first step is a network type OTP providing method using a contactless medium, characterized in that for processing the authentication information is stored in the storage medium on the basis of the result of authenticating the user of the program.
  6. The method of claim 1,
    And authenticating a mobile phone in a state in which a program interfacing with the contactless medium is driven with an OTP medium for outputting the OTP.
  7. The method of claim 1, wherein the medium information,
    Information read from the contactless medium to drive the program, information about the program driven through an interface with the contactless medium, information read from the contactless medium by the program, and information read from the contactless medium by the program. A network type OTP providing method using a contactless medium, characterized in that it comprises at least one information among the authenticated information.
  8. The method of claim 7, wherein the medium information,
    The network type OTP providing method using a contactless medium, characterized in that further comprises the unique information stored in the memory unit or USIM of the mobile phone.
  9. The method of claim 7, wherein the medium information,
    Network type OTP providing method using a contactless medium, characterized in that further comprises a password or a personal identification number registered by the user using the program of the mobile phone.
  10. The method of claim 1,
    When the validity of the media information is authenticated, the network-type OTP provided using a contactless medium, characterized in that further comprising the step of processing to dynamically generate the N-digit OTP through the generation information including one or more seed value Way.
  11. The method of claim 1,
    Checking at least one seed value for generating the OTP from the received medium information when the validity of the medium information is authenticated; And
    And processing such that the N-digit number of OTPs is dynamically generated using the generated information including the identified seed value.
  12. The method of claim 1, wherein the N-digit OTP,
    A network type OTP providing method using a contactless medium, characterized in that generated in the server or via the OTP server associated with the server.
  13. The method of claim 1,
    A fifth step of confirming an OTP input and transmitted through a user terminal used by the user after being provided as a program of the mobile phone;
    A sixth step of processing the authenticated validity of the OTP to be authenticated; And
    And a seventh step of providing a result of authenticating the validity of the OTP to the program or the user terminal of the mobile phone.
  14. The method of claim 13, wherein the sixth step is
    The server-type OTP using a contactless medium, wherein the server authenticates the validity of the OTP, or requests an authentication of the validity of the OTP through an OTP server associated with the server, and receives a result of authenticating the OTP. How to Provide.
  15. The method of claim 13,
    If the validity of the OTP is authenticated, further comprising the step of performing a payment or financial transaction procedure requested by the user terminal to be performed;
    The seventh step, the network-type OTP providing method using a contactless medium, characterized in that for providing a result of performing the payment or financial transactions.
KR1020130059395A 2013-05-26 2013-05-26 Method for providing network type one time password by using a medium for near field communication KR20130061165A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150007377A (en) * 2013-07-10 2015-01-21 주식회사 비즈모델라인 Method for Creating One Time Password based on Time Verification by using SD Memory
KR20150007376A (en) * 2013-07-10 2015-01-21 주식회사 비즈모델라인 Method for Creating One Time Password by using SD Memory
KR101537484B1 (en) * 2014-10-27 2015-07-16 (주)에이티솔루션즈 Method for Creating One Time Password based on Time Verification by using Near Field Communication
KR101537485B1 (en) * 2014-10-27 2015-07-16 (주)에이티솔루션즈 Method for Creating One Time Password based on Time Verification by using Near Field Communication

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20150007377A (en) * 2013-07-10 2015-01-21 주식회사 비즈모델라인 Method for Creating One Time Password based on Time Verification by using SD Memory
KR20150007376A (en) * 2013-07-10 2015-01-21 주식회사 비즈모델라인 Method for Creating One Time Password by using SD Memory
KR101537484B1 (en) * 2014-10-27 2015-07-16 (주)에이티솔루션즈 Method for Creating One Time Password based on Time Verification by using Near Field Communication
KR101537485B1 (en) * 2014-10-27 2015-07-16 (주)에이티솔루션즈 Method for Creating One Time Password based on Time Verification by using Near Field Communication

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