| 摘要 |
Provided is a card payment method using a dynamic OTP, in which user's set coordinates matching with a payment card and the coordinates of a payment terminal which performs payment in real-time are extracted, a deviation value between the coordinates is calculated as a first seed value, a seed value is configured by combining a second seed value with payment confirmation information inputted to a mobile terminal, an OTP is generated by applying the seed value, an OTP generated by the mobile terminal is compared with an OTP generated by a management server, and if the two OTPs match each other, the mobile terminal is determined to be valid and payment is approved. |
