Check authentication system and operation method using check paper printed with micro dot patterns and smart pen

A check authentication system using a smart pen, the system comprising:

• a check authentication server configured to print a uniquely identifiable micro dot pattern on a check paper, and store a check image corresponding to the check paper;
• and
• a smart pen configured to recognize the micro dot pattern,
• wherein the smart pen is further configured to:
• transmit recognition information regarding the recognized micro dot pattern to the check authentication server;
• generate check input information based on sensing information collected by a sensor, while the check information is written on the check paper;
• and
• transmit the generated check input information to the check authentication server,
• wherein the check authentication server further configured to:
• extract and load the stored check image, using the transmitted recognition information;
• enter the transmitted check input information on the loaded check image;
• transmit the check image including the check input information to a recipient terminal;
• determine whether an agreement action is entered for the transmitted check image at the recipient terminal;
• and
• request a bank server to debit an account of a check issuer by an amount included in the check input information, when the agreement action is entered at the recipient terminal.