| 摘要 |
PURPOSE: A payment authentication method with a dynamically generated code is provided to implement a more safe financial transaction through a predetermined token code by a predetermined random variable when a client performs a financial transaction. CONSTITUTION: A wireless terminal executes a token generating program with a predetermined code. The wireless terminal generates a predetermined token code through the token generating program. A payment terminal(145) generates a predetermined payment approval request statement. The payment terminal requests a predetermined payment approval by using the generated payment approval request statement. An information receiving unit(115) receives the payment approval request statement. [Reference numerals] (100) Token agent providing unit; (105,140) Information storage unit; (110,135) Storage medium; (115) Information receiving unit; (120) Information confirming unit; (125) Authentication unit; (130) Payment processing unit; (AA) Customer side; (BB) Server side; (CC,EE) Wireless terminal; (DD) Providing a token code; (FF) Wire terminal; (GG) ATM/CD; (HH, 145) Payment terminal; (II) Customer wireless terminal information; (JJ) Token agent information; (KK) Payment unit information; (LL) Payment unit information(customer information); (MM) Payment processing details |
