Apparatus for authentication and payment based on web, method for authentication and payment based on web, system for authentication and payment based on web and non-transitory computer readable storage medium having computer program recorded thereon

Abstract

The present invention provides that a credit card authentication value is divided into meaningless information blockand information block, the information blockcan be transmitted to a user authentication device that is physically insulated, and the user authentication device that encodes the information blockon the basis of payment PIN information received from user equipment and keeps the encoded information block, and decodes the encoded information blockon the basis of the payment PIN information and transmits the information blockto the credit card permission request device, when there is a request from the credit card permission request device, thereby determining whether there is forgery in payment on a web. Accordingly, security in payment can be improved.