AUTHENTICATION SYSTEM FOR REMOTE BANKING SERVICE USING COMPUTER COMMUNICATION NETWORK

摘要

The disclosed invention relates to an authentication system for a remote financial service based on a challenge / response protocol, comprising: a computer terminal for providing input / output means to a user who requires authentication for a remote financial service; And generating a self-response value, which is an output value of the unidirectional function for the challenge value, to determine whether the user response value is equal to a user response value input from the user through the computer terminal, An authentication determination system that authenticates the authenticity of the user; And generating the user response value corresponding to the challenge value through the built-in unidirectional function upon receiving the challenge value from the user so that the user can provide the authentication determination system with the computer through the computer terminal And an authentication token card to be displayed on the outside.;According to the present invention, it is possible to maximize the security and reliability of authenticating the authenticity of the user by fundamentally blocking the external leakage of the authentication password, and at the same time, to connect to the authentication server through the computer communication network which is gradually providing a user-The convenience of the user's communication connection and the reliability of the authentication can be improved.