Introduction 2 of authentication service method before transaction Ensure setting the periods and the number of secure card transactions through credit card owner's authentication before transactions The originality of this technology Existing high tech security token H/W is not safe in memory hacking method etc This technology averts hackers' attempt to change maliciously original transaction data through users' smartphone devices. Even though the malignant codes are installed in users' smart phones, this S2K technology is secure from the exposure, grabbing and attack of authentication information The Technical competitiveness More convenient and cost effective than current transaction connected to OTP HW. Easy deployment with mobile certificate technology for the public