公开(公告)号：US20200051070A1

公开(公告)日：2020-02-13

申请号：US16657170

申请日：2019-10-18

申请人： SSenStone Inc.

发明人： Chang Hun YOO

IPC分类号： G06Q20/36 ,  H04L9/32 ,  G06Q20/06 ,  G06Q20/40

摘要： The present invention relates to a virtual token-based settlement providing system, a virtual token generation apparatus, a virtual token verification server, a virtual token-based settlement providing method, and a virtual token-based settlement providing program. The present invention comprises: a step for receiving a virtual token provided by a virtual token generation means, by a virtual token verification means; a step for extracting multiple detailed codes included in the virtual token by the virtual token verification means; a step for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual token verification means; and a step for transmitting the searched actual card number to a payment settlement service server or a financial company server.

公开(公告)号：US20200051065A1

公开(公告)日：2020-02-13

申请号：US16511449

申请日：2019-07-15

申请人： SSenStone Inc.

发明人： Chang Hun YOO

IPC分类号： G06Q20/34 ,  G06Q20/40

摘要： A method and a system for providing a financial transaction using an empty card are provided. The method for providing a financial transaction using an empty card includes receiving, by a server, a virtual card number generated by a program included in a user terminal, searching, by the server, for an empty card storage location at which the empty card is registered, in a storage location search algorithm based on the virtual card number, searching, by the server, for a real card number storage space linked to a user identification (UID) assigned to the found empty card storage location, extracting, by the server, a real card number stored in the real card number storage space, and performing, by the server, a financial transaction progress or a financial transaction progress request with the extracted real card number.