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US 2020/0051075 A1Published application
System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device
AssigneeSSenStone Inc.
InventorChang Hun YOO
Life of this patent
Estimating the term…
Abstract
The virtual code-based financial transaction providing method according to an embodiment of the inventive concept includes a step S200 for receiving a virtual code provided by a virtual code generation means, by a virtual code verification means, a step S400 for extracting multiple detailed codes included in the virtual code by the virtual code verification means, a step S1000 for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual code verification means, and a step S1200 for performing a financial transaction or for making a request for performing a financial transaction with the actual card number extracted from the storage location.
Claims15
A virtual code generation device, the device comprising:
- a detailed code generation unit configured to generate one or more detailed codes;
- a virtual code generation unit configured to generate a virtual code by combining the one or more detailed codes;
- and
- a virtual code provision unit configured to output the virtual code to an outside to provide a virtual code verification means with the virtual code,
- wherein the virtual code is generated by combining a plurality of codes including a fixed code, an OTP code, and an extraction code depending on a specific rule,
- wherein the fixed code is a code that is combined at the predetermined location in the virtual code and determines a card issuer or a card type corresponding to an actual card number,
- wherein the OTP code is generated with the specific number of numeric arrays based on an OTP function and is used to calculate a conversion code,
- wherein the extraction code is generated with all or part of the number of numbers other than the fixed code and the OTP code in the total number of numbers of the virtual code and corresponds to the conversion code calculated from the OTP code,
- wherein the conversion code or the extraction code is used as a first code or a second code under a condition set by the virtual code verification means,
- wherein the first code is to set a start point for searching for a storage location of the actual card number in the virtual code verification means,
- wherein the second code is to set a search path from the start point to the storage location depending on a specific search method,
- wherein the OTP code and the extraction code are changed for each unit count, and
- wherein the unit count is set to a specific time interval and is changed as the time interval elapses.
10 more elements
A virtual code-based financial transaction providing method, the method comprising:
- receiving, by a virtual code verification means, a virtual code provided by a virtual code generation means;
- extracting, by the virtual code verification means, a fixed code and a plurality of detailed codes, which are included in the virtual code depending on a specific rule, wherein the plurality of detailed codes include an OTP code and an extraction code;
- calculating, by the virtual code verification means, a conversion code based on the OTP code;
- searching, by the virtual code verification means, for a storage location of an actual card number based on a first code and a second code, wherein each of the first code and the second code is used under a condition in which the extraction code or the conversion code is set;
- and
- performing, by the virtual code verification means, a financial transaction progress or a financial transaction progress request, using the actual card number extracted from the storage location,
- wherein the virtual code verification means and the virtual code generation means include a same virtual code generation function,
- wherein the fixed code is a code that is combined at the predetermined location in the virtual code and determines a card issuer or a card type corresponding to the actual card number,
- wherein the OTP code is generated with the specific number of numeric arrays based on an OTP function and is used to calculate the conversion code,
- wherein the extraction code corresponds to the first code calculated from the OTP code and is generated with all or part of the number of numbers other than the fixed code and the OTP code in the total number of numbers of the virtual code,
- wherein the first code is to set a start point for searching for the storage location of the actual card number in a virtual code verification means,
- wherein the second code is to set a search path from the start point to the storage location depending on a specific search method,
- wherein the OTP code and the extraction code are changed for each unit count, and
- wherein the unit count is set to a specific time interval and is changed as the time interval elapses.
11 more elements
Dependencies are inferred from the claim text.