OTP Application Issuance via Face-to-Face Confirmation
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Solution Overview
Problem
The existing methods for issuing OTP applications in secure areas of terminal devices, such as USIM or TrustZone, require face-to-face confirmation for real-name verification, leading to inconvenience and increased waiting times for users, as well as higher costs for financial institutions.
Innovation Solution
A system and method that allows OTP application issuance through a service provider device and an integrated service device, enabling secure storage medium identification and OTP installation guides to be transmitted to terminal devices for self-installation, reducing the need for face-to-face interactions and streamlining the process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If OTP application is installed in secure area of terminal device (USIM, SE, TrustZone), then security is improved, but face-to-face confirmation requirement increases waiting time and reduces convenience
Solution Approach 1:
The system performs face-to-face confirmation and registers secure storage medium identification information in advance. Once registered, the OTP application can be installed automatically without requiring additional face-to-face confirmation, thereby reducing waiting time while maintaining security requirements.
Solution Approach 2:
The terminal device automatically installs the OTP application in its secure area using previously registered identification information, eliminating the need for manual intervention or extended face-to-face confirmation processes. The system serves itself by automatically matching and installing the application based on pre-registered data.
2Reliability
If face-to-face confirmation is performed for real-name verification, then authentication reliability is improved, but service efficiency and user convenience deteriorate
Solution Approach 1:
Face-to-face confirmation and real-name verification are performed in advance during initial registration. The verified information is stored and reused for subsequent OTP application installations, eliminating the need for repeated face-to-face confirmations and improving service efficiency.
Solution Approach 2:
The system uses copied or replicated identification information from previously verified secure storage mediums to authenticate and install OTP applications. Instead of requiring original physical presence each time, the system validates against stored copies of identification data.
3Reliability
If dedicated hardware OTP generator is used, then security is improved, but device portability and convenience deteriorate
Solution Approach 1:
The OTP generator functionality is merged with the terminal device itself, specifically integrated into the secure area (USIM, SE, TrustZone) of devices users already carry. This eliminates the need for separate dedicated hardware OTP generators while maintaining security through the terminal's existing secure elements.
Solution Approach 2:
The terminal device's secure area is utilized for multiple purposes including OTP generation, making the OTP functionality universal across different devices the user already possesses. This multi-functional approach eliminates the need for device-specific dedicated hardware for each service provider.
Data Source
AI summary
The present invention relates to a system and method for issuing an OTP application in a face-to-face confirmation manner, and the system includes at least one or more service provider devices for transmitting OTP application issuance request information, including information on recognition of a terminal device tagged on a reader provided for each service provider or entering a previously set service area, to an integrated service device; and the integrated service device for registering secure storage medium identification information as medium identification information for OTP authentication and transmitting an OTP installation guide to the terminal device if the recognition information is the secure storage medium identification information, and transmitting the OTP installation guide to the terminal device if the recognition information is terminal device identification information, in which the terminal device can be a terminal device of a user seeing a service provider face-to-face.