APPARATUS FOR AUTHENTICATION AND PAYMENT BASED ON WEB, METHOD FOR AUTHENTICATION AND PAYMENT BASED ON WEB, SYSTEM FOR AUTHENTICATION AND PAYMENT BASED ON WEB AND NON-TRANSITORY COMPUTER READABLE STORAGE MEDIUM HAVING COMPUTER PROGRAM RECORDED THEREON

摘要

The present invention provides that a credit card authentication value is divided into meaningless information block 1 and information block 2, the information block 1 can be transmitted to a user authentication device that is physically insulated, and the user authentication device that encodes the information block 1 on the basis of payment PIN information received from user equipment and keeps the encoded information block 1, and decodes the encoded information block 1 on the basis of the payment PIN information and transmits the information block 1 to the credit card permission request device, when there is a request from the credit card permission request device, thereby determining whether there is forgery in payment on a web. Accordingly, security in payment can be improved.

主权项

1. An apparatus of authentication and payment based on a web, comprising:
a credit card permission request device that encodes and keeps a credit card number, divides a credit card authentication value into an information block 1 and an information block 2 by encoding the credit card authentication value such that the information block 1 is used for decoding the information block 2, transmits the information block 1 to a user authentication device, and deleting the information block 1; and a user authentication device that encodes the information block 1 on the basis of payment PIN (Personal Identification Number) information received from user equipment and keeps the encoded information block 1, and decodes the encoded information block 1 on the basis of the payment PIN information and transmits the information block 1 to the credit card permission request device, when there is a request from the credit card permission request device.