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SG11202011766PA - Apparatus, method and program for providing financial transaction by virtual card number - Google Patents

Apparatus, method and program for providing financial transaction by virtual card number

Info

Publication number
SG11202011766PA
SG11202011766PA SG11202011766PA SG11202011766PA SG11202011766PA SG 11202011766P A SG11202011766P A SG 11202011766PA SG 11202011766P A SG11202011766P A SG 11202011766PA SG 11202011766P A SG11202011766P A SG 11202011766PA SG 11202011766P A SG11202011766P A SG 11202011766PA
Authority
SG
Singapore
Prior art keywords
program
card number
financial transaction
virtual card
providing financial
Prior art date
Application number
SG11202011766PA
Inventor
Chang Hun Yoo
Original Assignee
Ssenstone Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ssenstone Inc filed Critical Ssenstone Inc
Priority claimed from PCT/KR2020/009774 external-priority patent/WO2021040243A1/en
Publication of SG11202011766PA publication Critical patent/SG11202011766PA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/127—Shopping or accessing services according to a time-limitation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • G06Q20/2295—Parent-child type, e.g. where parent has control on child rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Health & Medical Sciences (AREA)
  • Child & Adolescent Psychology (AREA)
  • General Health & Medical Sciences (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Storage Device Security (AREA)
SG11202011766PA 2019-08-30 2020-07-24 Apparatus, method and program for providing financial transaction by virtual card number SG11202011766PA (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
KR20190107065 2019-08-30
KR1020200078643A KR102346701B1 (en) 2019-08-30 2020-06-26 Apparatus, method and program for providing financial transaction by vritual card number
PCT/KR2020/009774 WO2021040243A1 (en) 2019-08-30 2020-07-24 Virtual card number-based financial transaction device, virtual card number-based financial transaction provision method, and virtual card number-based financial transaction provision program

Publications (1)

Publication Number Publication Date
SG11202011766PA true SG11202011766PA (en) 2021-04-29

Family

ID=75148595

Family Applications (2)

Application Number Title Priority Date Filing Date
SG11202011766PA SG11202011766PA (en) 2019-08-30 2020-07-24 Apparatus, method and program for providing financial transaction by virtual card number
SG11202108944TA SG11202108944TA (en) 2019-08-30 2020-08-28 Virtual code-based transaction system, method and program

Family Applications After (1)

Application Number Title Priority Date Filing Date
SG11202108944TA SG11202108944TA (en) 2019-08-30 2020-08-28 Virtual code-based transaction system, method and program

Country Status (3)

Country Link
EP (1) EP4024309B1 (en)
KR (5) KR102346701B1 (en)
SG (2) SG11202011766PA (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102348994B1 (en) 2021-03-22 2022-01-07 김경곤 Personal identification transaction system and method for financial transaction thereof
KR102475000B1 (en) * 2022-02-22 2022-12-06 농협은행(주) Apparatus and method for supporting corporation simple payment
CN115375322B (en) * 2022-10-18 2023-01-24 北京名洋数字科技股份有限公司 Security verification algorithm adapting to payment environment in multiple ways

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100441118B1 (en) * 2001-06-19 2004-07-19 한국모바일페이먼트서비스(주) One-time Virtual Card Service System and A Method Thereof
US11222329B2 (en) * 2012-11-05 2022-01-11 Mastercard International Incorporated Electronic wallet apparatus, method, and computer program product
KR101316466B1 (en) 2012-11-20 2013-10-08 신한카드 주식회사 Mobile transaction system using dynamic track 2 data and method using the same
KR20140095745A (en) * 2013-01-25 2014-08-04 삼성전자주식회사 Supporting Method For Payment and System thereof
KR102008945B1 (en) * 2013-04-26 2019-08-08 에스케이플래닛 주식회사 System and method for public terminal security
CN113469670B (en) * 2013-07-24 2024-04-05 维萨国际服务协会 System and method for ensuring data transfer risk using tokens
KR20160110704A (en) * 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
KR102019097B1 (en) * 2017-05-16 2019-09-06 온동네피엠씨 주식회사 Vehicle access control system and method through code display
KR101978812B1 (en) * 2017-08-09 2019-05-15 주식회사 센스톤 System, method and program for providing financial transaction by vritual card number, vritual card number generator and vritual card number verification device
KR102005554B1 (en) * 2018-08-09 2019-07-30 주식회사 센스톤 Method and system for providing financial transaction using empty card
KR102005549B1 (en) * 2018-08-09 2019-07-30 주식회사 센스톤 System, method and program for providing financial transaction by virtual code, vritual code generator and vritual code verification device
KR102243532B1 (en) * 2019-02-08 2021-04-22 주식회사 센스톤 Method, program and apparatus for identifying devices using virtual code based on unique value
KR102099973B1 (en) * 2019-02-15 2020-04-10 주식회사 센스톤 System, method and program for providing virtual code, vritual code generator and vritual code verification device

Also Published As

Publication number Publication date
KR102363089B1 (en) 2022-02-15
KR20210027176A (en) 2021-03-10
KR20240063089A (en) 2024-05-09
KR102346701B1 (en) 2022-01-03
KR102501750B1 (en) 2023-02-21
EP4024309B1 (en) 2024-10-09
KR20210027165A (en) 2021-03-10
KR20210027066A (en) 2021-03-10
SG11202108944TA (en) 2021-09-29
KR20210027072A (en) 2021-03-10
KR102551861B1 (en) 2023-07-05
EP4024309A4 (en) 2023-09-06
EP4024309A1 (en) 2022-07-06

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