SHARED ACCOUNT BASED BANKING SERVICE PROVIDING APPARATUS AND METHOD

摘要

An apparatus and method for providing a public account-based banking service are disclosed. In the present invention, when there is a public account that is jointly owned by a plurality of members, a plurality of secret keys for use in approval of transfer are issued to each member in advance, The second member terminal acquires an electronic signature for the terminal of the first member, performs first authentication for the terminal of the first member, acquires an electronic signature for all terminals of the remaining members, Performing a second authentication for the remaining members, distributing the plurality of secret keys one by one to the plurality of members, requesting transmission of the distributed secret key to each member terminal, If the secret keys are all consistent with the distributed secret keys for each member, then by finalizing the approval for the transfer request, The members can strengthen the security in the payment transfer process on the public accounts, which owns jointly.