| CPC G06Q 30/0185 (2013.01) [G06F 9/54 (2013.01); G06Q 20/108 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/326 (2020.05); G06Q 20/3829 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/40145 (2013.01); G06Q 40/03 (2023.01); G06Q 50/265 (2013.01); H04L 9/3213 (2013.01); H04L 9/3268 (2013.01); G06Q 2220/00 (2013.01)] | 13 Claims |
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1. A banking business processing method performed by a processing logic including a banking business processing application embodied on a user terminal and a computer-readable storage medium, the banking business processing method comprising the steps of:
searching, by the banking business processing application, a secure element of the user terminal for a certificate;
identifying a history based on the certificate, the history indicative that the banking business processing application has been previously executed by the user terminal;
when the existence of the certificate is not identified, requesting the user terminal to generate the certificate, and generating, by the user terminal, a private key and a public key in accordance with the requesting, wherein the certificate includes the private key and the public key, which are set to be matched with each other, the private key stored in the secure element using an application programming interface (API) provided by an operating system (OS), and the public key transmitted from the user terminal to a banking business management server and stored in the banking business management server, wherein the banking business management server is configured to generate the certificate by encrypting the public key and transfer the certificate to the user terminal,
when existence of the certificate is identified, searching the secure element of the user terminal for a token key;
identifying that login information of a user has been set based on the token key;
displaying a specified type of page;
opening an account in accordance with a request of the user that set the login information,
wherein the specified type of page is automatically determined depending on identifying existence of the token key and a membership subscription history, wherein displaying the specified type of page comprises:
when existence of the token key is identified, displaying a login page to which the set login information may be input;
when existence of the token key is not identified, identifying the membership subscription history;
when existence of the token key is not identified and the membership subscription history is not identified, displaying a membership subscription page for setting the login information of the user; and
when existence of the token key is not identified and the membership subscription history is identified, determining that the user terminal is changed or the banking business processing application is reinstalled and displaying a device change page different from the membership subscription page;
wherein opening the account includes:
identifying truth of a captured image of a user's identification (ID) card; and
authenticating other bank account information of the user,
wherein authenticating the other bank account information is performed in parallel with identifying truth of the captured image of the user's ID card and is performed regardless of whether truth of the captured image of the user's ID card is positively identified;
wherein authenticating the other bank account information includes:
receiving the other bank account information from the user; and
performing secondary real name identification for the user using the received other bank account information, and
wherein the account is completely opened when the primary real name identification and the secondary real name identification based on a result of the truth identification are completed.
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