Method and system for providing financial transaction using empty card

A virtual card number generating device using an application, comprising:

• a detailed code generating unit configured to generate one or more detailed codes based on empty card data provided through wireless communication from an empty card of a user,
• a virtual card number generating unit configured to generate a virtual card number by combining the one or more detailed codes using a virtual card number generating function;
• and
• a virtual card number providing unit configured to transmit the generated virtual card number to a server to make a payment request,
• wherein the virtual card number is generated based on time data in which the empty card data is received from the empty card or time data in which the payment request is made, and a combination serial number obtained by combining an empty card serial number included in the empty card data and an application serial number included in the application, and
• wherein the server is configured to:
• search for an empty card storage location, at which the empty card is registered, in a storage location search algorithm matched to the virtual card number generating function based on the virtual card number provided by the virtual card number providing unit;
• search for a real card number storage space linked to a UID assigned to the empty card storage location;
• and
• extract a real card number stored in the real card number storage space to perform a financial transaction progress or a financial transaction progress request.

A virtual card number verifying device providing a financial transaction by using a real card number extracted based on a virtual card number, comprising:

• a virtual card number receiving unit configured to receive the virtual card number from a user terminal;
• a detailed code extracting unit configured to extract one or more detailed codes included in the virtual card number,
• a storage location search unit configured to search for an empty card storage location, at which the empty card is registered, in a storage location search algorithm based on the extracted one or more detailed codes;
• a real card number extracting unit configured to search for a real card number storage space linked to a UID assigned to the found empty card storage location and configured to extract a real card number stored in the found real card number storage space;
• and
• a financial transaction requesting unit configured to perform a financial transaction progress or a financial transaction progress request, using the extracted real card number,
• wherein the virtual card number is generated based on empty card data provided through wireless communication from an empty card of a user by a virtual card number generating function in the user terminal, and
• wherein the storage location search algorithm is matched to the virtual card number generating function.

An empty card device for a financial transaction, the device comprising:

• an IC chip including empty card data;
• and
• a communication unit configured to provide the empty card data to a user terminal through wireless communication,
• wherein the empty card data is specific data assigned to the empty card device when the empty card device is manufactured,
• wherein the user terminal is configured to:
• generate a virtual card number based on the received empty card data, using a virtual card number generating function;
• and
• provide the generated virtual card number to a server, and
• wherein the server is configured to:
• search for an empty card storage location, at which the empty card is registered, in a storage location search algorithm matched to the virtual card number generating function based on the received virtual card number,
• search for a real card number storage space linked to a UID assigned to the empty card storage location;
• and
• extract a real card number stored in the real card number storage space to perform a financial transaction progress or a financial transaction progress request.