| 摘要 |
According to the present invention, a payment processing method, which combines end-to-end medium ownership authentication with one time code authentication, comprises: a first step of receiving encoding data (c) through a second channel differentiated from a first channel; a second step of checking a dynamically generated dynamic code to provide the encoding data (c) to a chip of a non-contact medium; a third step of providing encoding data (s) through a second terminal of the second channel; a fourth step of receiving a one time authentication code corresponding to a dynamic code checked by decoding the encoding data (s) through the first channel corresponding to a first terminal; and a fifth step of performing a payment procedure through the first channel by using a pre-registered payment unit of a user when validity of the authentication code is authenticated. |
