Method of authenticating mobile card using one-time password

PURPOSE: A method of authenticating mobile card using a one-time password is provided to prevent the loss or illegal use of a mobile card through a one-time password. CONSTITUTION: A mobile card authentication server(200) receives use request message including mobile card number from user terminal(210). A member store terminal(220) receives card number and valid period from the user terminal. The mobile card authentication server receives approval request message from the member terminal. The mobile card authentication server generates an OTP(One Time Password). The mobile card authentication server transmits use response message to the user terminal.