US 11,922,404 B2
Method and system for payment for central bank digital currency
Hongsup So, Seongnam-si (KR); Inseon Ryu, Seongnam-si (KR); Hwang Wook Kim, Seongnam-si (KR); and Cheol Ung Lee, Seongnam-si (KR)
Assigned to LINE PLUS CORPORATION, Gyeonggi-do (KR)
Filed by LINE Plus Corporation, Seongnam-si (KR)
Filed on Aug. 24, 2021, as Appl. No. 17/410,047.
Claims priority of application No. 10-2020-0124440 (KR), filed on Sep. 25, 2020; and application No. 10-2020-0144950 (KR), filed on Nov. 3, 2020.
Prior Publication US 2022/0101308 A1, Mar. 31, 2022
Int. Cl. G06Q 20/36 (2012.01); G06F 21/53 (2013.01); G06Q 20/06 (2012.01)
CPC G06Q 20/3678 (2013.01) [G06F 21/53 (2013.01); G06Q 20/0655 (2013.01)] 8 Claims
OG exemplary drawing
 
1. A payment method of a computer apparatus comprising a security area, a hardware security module (HSM), and at least one processor, the payment method comprising:
receiving, by the at least one processor, a first certificate from a terminal of an end user through short-distance communication;
transmitting, by the at least one processor, a second certificate stored in the security area to the terminal through short-distance communication, wherein the second certificate comprises a unique device identifier of the computing apparatus, a public key of the HSM included in the computing apparatus, issuing authority information, and an expiration date;
authenticating, by the at least one processor, the terminal by verifying the first certificate;
in response to successful authentication of the terminal, receiving, by the at least one processor, a nonce value from the terminal through short-distance communication in an offline situation;
signing, by the at least one processor, a remittance transaction, which includes first last transaction information stored in the security area, the received nonce value, and a hash value of a security value, using a private key of the HSM and transmitting the signed remittance transaction to the terminal;
causing, by the at least one processor, the terminal to verify the remittance transaction using the public key in the second certificate;
causing, by the at least one processor, the terminal to verify whether the nonce value included in the remittance transaction is identical to the nonce value received by the at least one processor;
transmitting, by the at least one processor, an original text of the security value to the terminal in response to receiving a verification success message from the terminal; and
storing, by the at least one processor, second last transaction information according to the signed remittance transaction and latest balance of an electronic wallet (E-wallet) in the security area.