SECONDARY AUTHENTICATION AND A RELAY SYSTEM FOR BANKING TRANSACTIONS, PARTICULARLY FOR REMOVING USERS' INCONVENIENCE OF CARRYING AN AUTHENTICATION TOKEN AND REDUCING A BURDEN OF A REMOTE BANKING SERVICE PROVIDER OF ISSUING AN AUTHENTICATION TOKEN CARD

摘要

PURPOSE: A secondary authentication and relay system for banking transactions is provided to reduce a banking incident such as a loss of a card or leakage of a password by using a dynamically generated one-time use key. CONSTITUTION: A user inputs a bank card or a password for banking transactions through a phone banking, Internet banking, a credit card device or an ATM(Automated Teller Machine)(20). A banking authentication server extracts registered mobile terminal information among personal information of the user, dynamically generates a one-time use authentication key and transmits it to the user through an SMS processing system(40). When the user inputs the received one-time use authentication key, the authentication key value is recognized to determine whether to allow banking transactions. That is, the user receives the dynamically generated authentication key value for one-time use by the mobile terminal(60), and when the dynamic one-time use authentication value which is inputted through the phone banking, the Internet banking, the credit card device or the ATM(20) is identical to a key value generated by a banking authentication system(30), the user can proceed with the banking service.