| 摘要 |
A financial transaction system using an OTP(One-Time Password) is provided to process financial transaction normally by using only the OTP without transferring financial information such as account or card information on the online network, and offer convenience by minimizing information needed for performing the financial transaction. A customer information storing module(420) stores financial transaction information of a customer and seed information generated based on the financial transaction information to a customer information database. An OTP authenticating module(450) authenticates an OTP by receiving customer ID and the OTP generated from a customer terminal through the network. A card payment processing module(460) processes payment by using the financial transaction information matched with the received customer ID depending on an OTP authentication result. A seed key generating module(430) generates a seed key for generating the OTP based on the financial transaction information inputted or stored when the customer requests issuance of the OTP. An application transmitting module(440) transmits the seed key to the customer terminal. |
