Virtual token-based settlement providing system, virtual token generation apparatus, virtual token verification server, virtual token-based settlement providing method, and virtual token-based settlement providing program

A virtual token-based payment providing method, the method comprising:

• receiving a virtual token generation function as a virtual token generation means registers an actual card number in a virtual token verification means, wherein the virtual token generation function corresponds to a storage location search algorithm in which the actual card number is stored in the virtual token verification means;
• generating, by the virtual token generation means, a plurality of detailed codes matched with the payment request time point without performing communication with the virtual token verification means at a payment request time point of a user;
• generating, by the virtual token generation means, a virtual token by combining the plurality of detailed codes;
• and
• outputting, by the virtual token generation means, the virtual token to an outside to provide the virtual token to a virtual token verification server,
• wherein the storage location search algorithm moves a storage location of the actual card number to a location corresponding to a plurality of detailed codes of a specific count or searches for a fixed storage location of the actual card number by the plurality of detailed codes of the specific count,
• wherein the plurality of detailed codes include the first code and the second code, which are used to search for the storage location of the actual card number in the virtual token verification means,
• wherein the first code and the second code are changed and generated by a detailed code generation function in the virtual token generation function for each unit count, and
• wherein the unit count is set to a specific time interval and is changed as the time interval elapses.

A virtual token generation device comprising:

• a virtual token generation function reception unit configured to receive a virtual token generation function as an actual card number is registered in a virtual token verification means;
• a detailed code generation unit configured to generate a plurality of detailed codes matched with a payment request time point without performing communication with the virtual token verification means at the payment request time point of a user;
• a virtual token generation unit configured to generate a virtual token by combining the plurality of detailed codes;
• and
• a virtual token output unit configured to output the virtual token to an outside to provide the virtual token to a virtual token verification server,
• wherein the virtual token generation function corresponds to a storage location search algorithm where the actual card number is stored in the virtual token verification means,
• wherein the storage location search algorithm moves a storage location of the actual card number to a location corresponding to a plurality of detailed codes of a specific count or searches for a fixed storage location of the actual card number by the plurality of detailed codes of the specific count,
• wherein the plurality of detailed codes include a first code, a second code, and a fixed code,
• wherein the first code and the second code are used to search for the storage location of the actual card number within the virtual token verification means, and are changed and generated by a detailed code generation function in the virtual token generation function for each unit count,
• wherein the fixed code is a code that is combined at the predetermined location in the virtual token and determines a card issuer or a card type corresponding to the actual card number, and
• wherein the unit count is set to a specific time interval and is changed as the time interval elapses.

A virtual token verification server searching for an actual card number based on a virtual token, the server comprising:

• a virtual token reception unit configured to receive the virtual token provided by a virtual token generation means;
• a detailed code extraction unit configured to extract a plurality of detailed codes included in the virtual token;
• an actual card number search unit configured to search for the actual card number based on the plurality of detailed codes;
• and
• an actual card number transmission unit configured to transmit the found actual card number to a financial company server,
• wherein the virtual token is matched with the actual card number by the virtual token generation means and then is generated,
• wherein each of the virtual token verification means and the virtual token generation means includes the same virtual token generation function,
• wherein the virtual token generation means receives the virtual token generation function to store the virtual token generation function in the virtual token generation means upon registering the actual card number to use a virtual token service and generates and outputs the virtual token matched with a payment request time point without communication with the virtual token verification means at the payment request time point of a user,
• wherein the plurality of detailed codes include a first code, a second code, and a fixed code which are used to search for a storage location of the actual card number in the virtual token verification means,
• wherein the fixed code is a code that is combined at the predetermined location in the virtual token and determines a card issuer or a card type corresponding to the actual card number,
• wherein the first code and the second code are changed and generated by a detailed code generation function in the virtual token generation function for each unit count, and
• wherein the unit count is set to a specific time interval and is changed as the time interval elapses.