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 code-based payment providing method, the method comprising:

• receiving a virtual code generation function as a virtual code generation means registers an actual code in a virtual code verification means, wherein the virtual code generation function corresponds to a storage location search algorithm in which the actual code is stored in the virtual code verification means;
• generating, by the virtual code generation means, a plurality of detailed codes matched with the payment request time point without performing communication with the virtual code verification means at a payment request time point of a user;
• generating, by the virtual code generation means, a virtual code by combining the plurality of detailed codes;
• and
• outputting, by the virtual code generation means, the virtual code to an outside to provide the virtual code to a virtual code verification server,
• wherein the storage location search algorithm moves a storage location of the actual code to a location corresponding to a plurality of detailed codes of a specific count or searches for a fixed storage location of the actual code 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 code 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 code generation device comprising:

• a virtual code generation function reception unit configured to receive a virtual code generation function as an actual code is registered in a virtual code 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 code verification means at the payment request time point of a user;
• a virtual code generation unit configured to generate a virtual code by combining the plurality of detailed codes;
• and
• a virtual code output unit configured to output the virtual code to an outside to provide the virtual code to a virtual code verification server,
• wherein the virtual code generation function corresponds to a storage location search algorithm where the actual code is stored in the virtual code verification means,
• wherein the storage location search algorithm moves a storage location of the actual code to a location corresponding to a plurality of detailed codes of a specific count or searches for a fixed storage location of the actual code by the plurality of detailed codes of the specific count.

A virtual code verification server searching for an actual code based on a virtual code, the server comprising:

• a virtual code reception unit configured to receive the virtual code provided by a virtual code generation means;
• a detailed code extraction unit configured to extract a plurality of detailed codes included in the virtual code;
• an actual code search unit configured to search for the actual code based on the plurality of detailed codes;
• and
• an actual code transmission unit configured to transmit the found actual code to a financial company server,
• wherein the virtual code is matched with the actual code by the virtual code generation means and then is generated,
• wherein each of the virtual code verification means and the virtual code generation means includes the same virtual code generation function,
• wherein the virtual code generation means receives the virtual code generation function to store the virtual code generation function in the virtual code generation means upon registering the actual code to use a virtual code service and generates and outputs the virtual code matched with a payment request time point without communication with the virtual code verification means at the payment request time point of a user.