The present invention authenticates a user using iris information in order to generate OTP, generates OTP using a 3-factor
authentication method based on HMAC, and performs
encryption thereof, and also relates to a
security system that secures and controls a
wireless communication terminal owned by a user through the following methods: a method for managing the storage of a program memory having a management program and encrypted key values stored therein, by directly inputting the iris information in real-time; a method for authenticating a
wireless communication terminal by mutually authenticating two methods having different directions, the methods being an
authentication by an OTP integrated
authentication server through a service providing
server, and an authentication by a public authentication facility through a
wireless authentication server; a method for enabling the
service usage of packets for communication between a user and a
server only through iris authentication in order to prevent a DoS
attack during the communication; and a method for protecting the
system by protecting the original and patch files of the applications and the drives using iris information and constantly monitoring same, thus enabling
secure electronic transaction services.