| 摘要 |
According to the present invention, a code combination type payment authentication method, which is executed through a program included in a user smartphone communicating with a server, includes the processes of: applying generation information of a server to a code generation algorithm of the allocated server to generate a first code in allocated digits for payment authentication on the servers end; enabling the program to receive the first code generated by the server for the payment authentication; enabling the program to dynamically generate a second code in digits allocated for the payment authentication on the mobile phones end by applying the generation information of the mobile phone to a code generation algorithm included in the mobile phone; enabling the program to combine the first code generated by the server for payment authentication and the second code generated by the mobile phone for payment authentication in an allocated combination scheme to generate a code in N number of digits whereas N is an integer equal to or greater than 2; and enabling the program to provide the code in N number of digits to a separate terminal within a designated short distance through a short-range communication means of the mobile phone. In the combination method, the code in N number of digits is generated by increasing the valid digit numbers of the first and second codes, is provided to the server via the terminal, and is used for the payment authentication using a payment means registered in advance through the server. |
