METHOD FOR AUTHENTICATING NON-FACED TRANSACTION BY USING NEAR FIELD COMMUNICATION CARD FOR GENERATING ONE TIME PASSWORD

摘要

The present invention relates to a method for authenticating non-face-to-face transaction using a near field communication (NFC) one-time password (OTP) card. The method is performed by a wireless terminal of a user. The method comprises: confirming or receiving, from a server processing non-face-to-face transaction, specified an n′(1<=n′<=n) number of pieces of information among an n(1<=n=2) number of pieces of transaction information to be input by the user for non-face-to-face transaction; displaying the specified information including the n′ number of pieces of information on a screen of the wireless terminal; confirming whether a chip of a card specified through NFC may interface with the wireless terminal; providing a server-party seed value corresponding to at least one of the n′ number of pieces of information and a time value calculated by a timer with the chip of the card when the chip of the card specified through NFC may interface with the wireless terminal; receiving an OTP code dynamically generated using the provided values within the chip of the card from the chip of the card; and outputting the OTP code received from the chip of the card or transmitting the received OTP code to a server that authenticates effectiveness of the OTP code.