Authentication terminal, authentication device and authentication method and system using authentication terminal and authentication device

Abstract

The present invention relates to an authentication terminal, an authentication device and an authentication method using the authentication terminal and the authentication device, and relates to a device and a method for authenticating a user and allowing a transaction by means of the transfer of information among a user terminal, an authentication terminal and an authentication device.

Description

technical field [0001] The present invention relates to authentication terminals, authentication devices, and authentication methods and systems using these, and more particularly, to devices and methods for authenticating users and authorizing transactions by transmitting information between user terminals, authentication terminals, and authentication devices. Background technique [0002] Recently, a financial transaction service method using a portable personal wireless communication device including an authentication method using the portable personal wireless communication device has been developed, and due to the development of wireless Internet technology, the usage of the portable personal wireless communication device is showing a significant increase trend. Therefore, it can be said that the importance of confidentiality and authentication of portable personal wireless communication devices is much more important than when they were only used for communication in t...

AI Technical Summary

Problems solved by technology

[0005] However, the above-mentioned known authentication process is to verify the identity by entering the password of the electronic certificate. Since the certificate can be copied from the medium storing the electronic certificate, as long as the password is leaked, the account may be stolen

[0006] In view of the above, for important services such as money transfers, financial institutions provide customers with the following method that can reduce the risk of theft. After the user enters the account password from the money transfer screen, and then performs additional authentication, for example, prepare a double authentication device (insert a security card, or Enter the number through a one-time password generator (OTP, One Time Password), or phone authentication), but this authentication method has the risk of passing the responsibility of leaking authentication-related information to the user

In addition, once the OTP device is lost, it is foreseeable that an accident will occur, and the risk of authentication-related information such as electronic certificates stored in the user's portable storage device or computer hard disk will be stolen.

[0007] On the other hand, from the standpoint of the user, there are the following problems, due to the failure to obtain quick authentication, it is time-consuming and cumbersome

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