# US 12,182,796 B2 · Method and system for providing financial transaction using empty card

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- Number: US 12,182,796 B2
- Document ID: US12182796B2
- Status: Granted
- Kind: B2
- Application number: 17/841,502
- Filed: 2022-06-15
- Published: 2022-09-29
- Granted: 2024-12-31
- Earliest claimed: 2018-08-09
- Assignees: SSenStone Inc.
- Applicants: SSenStone Inc.
- Inventors: Chang Hun Yoo
- Web page: https://patentgrep.com/patent/US12182796B2

## CPC

- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/351: {Virtual cards}
- G06Q 20/354: {Card activation or deactivation}
- G06Q 20/3552: {Downloading or loading of personalisation data}
- G06Q 20/3567: {Software being in the reader}
- G06Q 20/38: Payment protocols; Details thereof
- G06Q 20/409: {Device specific authentication in transaction processing}
- G07F 7/0833: {Card having specific functional components}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A method and a system for providing a financial transaction using an empty card are provided. The method for providing a financial transaction using an empty card includes receiving, by a server, a virtual card number generated by a program included in a user terminal, searching, by the server, for an empty card storage location at which the empty card is registered, in a storage location search algorithm based on the virtual card number, searching, by the server, for a real card number storage space linked to a user identification (UID) assigned to the found empty card storage location, extracting, by the server, a real card number stored in the real card number storage space, and performing, by the server, a financial transaction progress or a financial transaction progress request with the extracted real card number.

## Claims

### Claim 1

A method for generating a virtual card number, the method comprising:
receiving, by a mobile terminal, through wireless communication, from a card comprising an IC chip and storing empty card data related to the card, the empty card data;
generating, by the mobile terminal, the virtual card number based on the empty card data,
wherein the empty card data is allocated in the card when the card is manufactured or issued,
wherein the virtual card number generated by the mobile terminal is provided to a virtual card number verifying device to be used for verifying the virtual card number and includes a virtual security code,
wherein the virtual security code is generated at a specific time using the empty card data, and
wherein the generating the virtual card number comprises:
generating, by the mobile terminal, at least one detailed code based on the virtual security code; and
generating, by the mobile terminal, the virtual card number based on the at least one detailed code,
wherein the at least one detailed code is generated per a unit count by the mobile terminal, and wherein the unit count is set to a specific time interval and is changed according to elapsing the specific time interval;
transmitting, by the mobile terminal, a financial transaction to the virtual card number verifying device wherein the financial transaction includes the virtual card number;
identifying, by the virtual card number verifying device, the at least one detailed code from the virtual card number;
determining, by the virtual card number verifying device, a virtual card number generation function based on the identified at least one detailed code;
based on the determined virtual card number generation function, determining, by the virtual card number verifying device, a search algorithm;
searching, by the virtual card number verifying device, a storage location in which the card is registered, based on the search algorithm;
searching, by the virtual card number verifying device, a real card number storage space linked to a user identification (UID) assigned to the searched storage location; and
performing, by the virtual card number verifying device, a financial transaction based on a real card number stored in the searched real card number storage space.

### Claim 2 (depends on 1)

The method of claim 1, wherein the at least one detail code includes a first code and a second code,
wherein the virtual card number is generated by a combination of the first code and the second code based on a correlation between the first code and the second code, and
wherein the virtual card number verifying device determines a search starting point corresponding to the first code and searches for an empty card storage location according to a search path corresponding to the second code from the search starting point.

### Claim 3 (depends on 2)

The method of claim 2, wherein the first code is generated based on the virtual security code and a first time when the card is registered with the virtual card number verifying device, and
wherein the second code is generated based on the virtual security code.

### Claim 4 (depends on 3)

The method of claim 3, wherein the first code is generated based on the virtual security code and a second time when the financial transaction is requested from the user, and
wherein the second code is generated based on the virtual security code and a difference between the first time and the second time.

### Claim 5 (depends on 1)

The method of claim 1, wherein the virtual security code is generated based on the empty card data and a unique value of the mobile terminal.

### Claim 6 (depends on 5)

The method of claim 5, wherein the virtual security code is generated based on a combination of a first serial number of the card included in the empty card data and a second serial number of a program installed in the mobile terminal.

### Claim 7

A system comprising:
a mobile terminal for generating a virtual card number based on card data, comprising:
a first processor configured to:
receive, through wireless communication, from a card comprising an IC chip and storing empty card-data related to the card, the empty card data; and
generate the virtual card number based on the empty card-data, wherein the empty card data is allocated in the card when the card is manufactured or issued,
wherein the generated virtual card number is provided to a virtual card number verifying device to be used for verifying the virtual card number and includes a virtual security code,
wherein the virtual security code is generated at a specific time using the empty card data, and
wherein the first processor is further configured to:
generate at least one detailed code based on the virtual security code;
generate the virtual card number based on the at least one detailed code, wherein the at least one detailed code is changed and generated per a unit count by the mobile terminal, wherein the unit count is set to a specific time interval and is changed according to elapsing the specific time interval; and
transmit a financial transaction to the virtual card number verifying device wherein the financial transaction includes the virtual card number; and
the virtual card number verifying device comprising:
a second processor configured to:
identify the at least one detailed code from the virtual card number;
determine a virtual card number generation function based on the identified at least one detailed code;
based on the determined virtual card number generation function, determine a search algorithm;
search a storage location in which the card is registered, based on the search algorithm;
search a real card number storage space linked to a user identification (UID) assigned to the searched storage location; and
perform a financial transaction based on a real card number stored in the searched real card number storage space.

### Claim 8 (depends on 7)

The system of claim 7, wherein the at least one detail code includes a first code and a second code, wherein the virtual card number is generated by a combination of the first code and the second code based on a correlation between the first code and the second code, and wherein the virtual card number verifying device determines a search starting point corresponding to the first code and searches for an empty card storage location according to a search path corresponding to the second code from the search starting point.

### Claim 9 (depends on 8)

The system of claim 8, wherein the first code is generated based on the virtual security code and a first time when the card is registered with the virtual card number verifying device, and wherein the second code is generated based on the virtual security code.

### Claim 10 (depends on 9)

The system of claim 9, wherein the first code is generated based on the virtual security code and a second time when the financial transaction is requested from the user, and wherein the second code is generated based on the virtual security code and a difference between the first time and the second time.

### Claim 11 (depends on 7)

The system of claim 7, wherein the virtual security code is generated based on the empty card-data and a value of the mobile terminal.

### Claim 12 (depends on 11)

The system of claim 11, wherein the virtual security code is generated based on a combination of a first serial number of the card included in the empty card data and a second serial number of a program installed in the mobile terminal.