SYSTEM AND METHOD FOR MOBILE PAYMENT BY USING OTP AUTHENTICATION BY MULTIPLE CODE CREATION MODE FOR CUSTOMER'S MEDIA AND RECORDING MEDIUM

摘要

PURPOSE: A system and a method for mobile payment by using OTP(One Time Password) authentication by a multiple code creation mode for customer's media and a recording medium thereof are provided to transfer an OTP generated through OTP medium authentication information and terminal-side OTP generation information to a server. CONSTITUTION: If user medium information is read from a user medium(505), a mobile phone authenticates the validity of the user medium through the user medium information stored at a USIM or a memory unit(510). If the validity of the user medium is not authenticated(515), the mobile phone outputs user medium authentication error information(520). If the validity of the user medium is authenticated, the mobile phone drives an OTP agent(525). The user medium information is included into the OTP medium authentication information.