SYSTEM AND METHOD FOR TRANSFERRING MONEY USING OTP AND QR-CODE

摘要

PURPOSE: Online account transfer system using a QR(Quick Response) code and a mobile OTP(One Time Password) and a method thereof are provided to enhance security and convenience by generating transfer information and transfer time information as a QR code in a bank server and generating an OTP by decoding the QR code with a mobile terminal. CONSTITUTION: A bank server access module(21) receives user authentication information and transaction information from a user. The bank server access module transmits the received information to a QR code generating module(31). If the user authentication information is valid, the QR code generating module generates an RN. The QR code generating module transmits the transaction information and time information to a standard OTP generating module(41). The standard OTP generating module generates a standard OTP and transmits the OTP to an OTP approval module(42).