METHOD AND SYSTEM FOR PROVIDING FINANCIAL SERVICE

• US 20120173433A1
• Filed: 12/23/2011
• Published: 07/05/2012
• Est. Priority Date: 12/31/2010
• Status: Abandoned Application

• Current Assignee: KT Corporation
• Original Assignee: KT Corporation
• Inventors: PARK, Jae-Min, MIN, Yong-Ki, SEO, Myoung-Hee
• Application Number:
  US13/336,816
• Publication Number:
  US 20120173433A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/3829 involving key management

Abstract

A system and a method for providing a financial service. The system for providing a financial service can include: a first user terminal which signs financial transaction information with a pre-stored first private key, the financial transaction information including withdrawal account information, a PIN of the withdrawal account, deposit account information and amount information; a second user terminal which receives the signed financial transaction information by being connecting with the first user terminal through near field communication and which further signs the signed financial transaction information with a pre-stored second private key; and a financial server configured to transfer an amount corresponding to the amount information from an account of the withdrawal account information to an account of the deposit account information.

Claims

1. A system for executing a financial transaction, comprising:

a first user terminal which signs financial transaction information with a pre-stored first private key, the financial transaction information comprising withdrawal account information, a PIN of withdrawal account, deposit account information, and amount information;

a second user terminal which receives the signed financial transaction information from the first user terminal, where the second user terminal is connected to the first user terminal via near field communication, and which signs the signed financial transaction information with a pre-stored second private key; and

a financial server which transfers an amount indicated in the amount information from an account of the withdrawal account information to an account of the deposit account information.

2. The system of claim 1, wherein the first private key and the second private key are private keys included in a certificate provided by a certificate authority.

3. The system of claim 1, wherein each of the first user terminal and the second user terminal is installed with a smart card, and

wherein the smart card has the withdrawal account information or the deposit account information stored therein.

4. The system of claim 3, wherein the first user terminal comprises:

an NFC module configured to obtain the deposit account information from the smart card of the second user terminal;

an extraction unit configured to extract the withdrawal account information from the smart card according to execution of a financial transaction application;

an input unit configured to receives input of the withdrawal account information and the amount information; and

a transfer processing unit which signs the withdrawal account information, the PIN of withdrawal account, the deposit account information, and the amount information as the financial transaction information with the first private key and which requests the financial transaction.

5. The system of claim 4, wherein if a plurality of accounts in the deposit account information exists, the transfer processing unit requests the second user terminal to select one account in the deposit account information.

6. The system of claim 1, wherein the financial server generates a message according to a result of transfer and sends the message to the first user terminal and the second user terminal.

7. A method of providing a financial service by having a plurality of user terminals connected to a financial server, the method comprising:

extracting by a first user terminal account information from a first smart card installed in the first user terminal and outputting by the first user terminal the extracted account information as withdrawal account information;

obtaining by the first user terminal deposit account information from a second smart card installed in a second user terminal using near field communication;

receiving by the first user terminal amount information and a PIN of withdrawal account;

generating by the first terminal financial transaction information including the withdrawal account information, the PIN of the withdrawal account, the deposit account information and the amount information;

signing by the first terminal the generated financial transaction information with a first private key;

sending by the first terminal the signed financial transaction information to the second user terminal;

signing by the second terminal the signed financial transaction information with a second private key;

sending by the second terminal the double signed financial transaction information to the financial server; and

verifying by the financial server the double signed financial transaction information using a public key; and

if the double signed financial transaction information is verified as valid, transferring by the financial server an amount corresponding to the amount information from an account of the withdrawal account information to an account of the deposit account information.

8. The method of claim 7, further comprising, prior to the extracting of the account information:

requesting by the first user terminal a connection to the second user terminal by using near field communication;

inputting and sending by the first user terminal pre-designated connection information to the second user terminal; and

if the connection information is identical to a preset PIN, the second user terminal authorizes the connection of the first user terminal using near field communication.

9. The method of claim 7, wherein if a plurality of accounts in the deposit account information exists, the obtaining the deposit account information comprises, requesting the second user terminal to select one of the plurality of accounts and obtaining the selected one account from the deposit account information.

10. The method of claim 7, further comprising, after the transferring generating a result message according to the transferring and transmitting the result message to the first user terminal and the second user terminal.

11. A user terminal comprising:

an NFC module which obtains a deposit account information from a second smart card of a second user terminal via near field communication (NFC) with the second terminal;

an extraction unit which extracts withdrawal account information from the first smart card of the user terminal via an executed financial transaction application;

an input unit which receives input comprising a withdrawal account information and an amount information; and

a transfer processing unit which signs the withdrawal account information, a PIN of withdrawal account, a deposit account information, and the amount information as a financial transaction information with a first private key and which further requests the financial transaction,

wherein a financial server executes the financial transaction by transferring an amount indicated in the amount information from an account of the withdrawal account information to an account of the deposit account information and reports results to the user terminal.