| 摘要 |
<p>Disclosed by the present invention is a method in which a bank server provides an electronic financial service by using a security medium which is able to provide the security code table of a security card and an OTP authentication number together in a form of being separated from a smartphone. In the method, a bank server: registers identification information of a smart security card in the ledger of a client if a security code table is recorded on the surface and the smart security card, to which an IC chip is attached in order to generate a one-time-password (OTP) authentication number, is issued to the client; verifies the effectiveness of a received security code and the effectiveness of the OTP authentication number based on the identification information of the smart security card which is registered in the client ledge if the bank server receives at least one security code, selected from the security code table of the smart security card, and the OTP authentication number, generated from the IC chip of the smart security card, with an electronic financial transaction request of the client; and processes the electronic financial transaction request depending on the verification result.</p> |
