| 摘要 |
Disclosed is a method for performing a payment and a web service login without registering for membership using a one-time authentication password. According to the disclosed method, payment processing is performed without a complicated procedure for entering a card number or a social security number when performing online payments. [Reference numerals] (AA) User; (BB) Web server; (CC) OTIP server; (DD) Communication company/card company; (EE) Use an OTIP based web service; (FF) Determine to purchase goods; (GG) Request OTIP payment; (HH) Request OTIP payment (virtual ID, goods, amounts, etc.); (II) Is customer payment service available?; (JJ,PP,UU) End; (KK) Request POP UP of a payment input window; (LL) Customer enters a payment password and selects a mobile phone payment after the POP UP of the payment input window; (MM) Is the password consistent with a password stored in an application; (NN) Password entering result (success, RAND, RES, location information); (OO) Generate RESULT 2 using an authentication key stored in an OTIP server and RANDOM, and store the location information as a payment location; (QQ) Query request for location information; (RR) Make an inquiry about the location information; (SS) Questions and answers on the location information; (TT) Is the location information consistent?; (VV) Request mobile phone micropayment; (WW) Respond to the mobile phone micropayment; (XX) Store payment details; (YY) Respond to an OTIP payment request (success or failure/phone number etc.); (ZZ) Complete OTIP payment |
