SYSTEM AND METHOD FOR SETTLING MOBILE PHONE BY MULTIPLE AUTHENTICATION MODE NETWORK OTP AUTHENTICATION AND RECORDING MEDIUM

摘要

PURPOSE: A mobile payment method, a system and a recording medium thereof through multi-authentication type network OTP(one time password) authentication are provided to provide OTP through the OTP creation information by a server of communication network and receive and output the OTP by the mobile phone. CONSTITUTION: A cellular phone(100) includes next. A code generator(160) confirms and decides one or more fixed seed value and dynamic seed value for generating the OTP for media authentication. The code generator assigns the fixed seed value and dynamic seed value to the preset OTP generation algorithm and generates the OTP for the media authentication. If user authenticator(150) processes which the user authentication is effective, the code generator confirms the OTP creation information for the media authentication to generate the OTP for the media authentication from a USIM(135).