| 摘要 |
IDs and passwords will be no longer required, and certificates, security cards and OTP devices for authentication will become unnecessary. In addition, there will be no need for an operation which an individual should manage or take responsibility for. Thus, provided is a multi-channel authentication, and financial transfer method and system using a mobile communication terminal, for enabling a safe and convenient transfer through internet banking, comprising: step A1 for a client terminal transmitting transfer information which is input in a franchise server and requesting a netkey; step A2 for the franchise server storing transfer information, issuing a token, generating a netkey in which the token and a franchise identification (ID) are combined, and transmitting the netkey to the client terminal; step A3 for the client terminal displaying the received netkey and asking the franchise server to monitor token processing; step A4 for the franchise server monitoring token issuance information at predetermined time intervals and, if the token processing is completed, notifying the client terminal of the token processing completion; step A5 for the mobile communication terminal receiving the netkey displayed on the client terminal, transmitting the netkey to a smart safe, and receiving, from the smart safe, a processing result including an OTP; step A6 for the client server asking the franchise server to confirm the OTP after receiving the OPT which has been received by the mobile communication terminal in step A4; step A7 for the franchise server determining whether or not the OTP is valid on the basis of the OTP received from the client terminal, and determining whether or not the token processing occurs on the basis of the token received from the franchise server; and step A8 for the client terminal receiving the OTP confirmation result from the franchise server and displaying the result on a client display. |
