| CPC G06Q 20/3672 (2013.01) [G06F 8/30 (2013.01); G06F 21/31 (2013.01); G06F 21/606 (2013.01); G06Q 20/0658 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/351 (2013.01); G06Q 20/354 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/382 (2013.01); G06Q 20/385 (2013.01); G06Q 20/4093 (2013.01); G06Q 40/02 (2013.01); H04L 9/3213 (2013.01); H04L 9/3228 (2013.01); H04L 63/0428 (2013.01); H04W 12/033 (2021.01); H04L 2209/56 (2013.01); H04L 2209/80 (2013.01)] | 7 Claims |
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1. A virtual code-based payment providing method, performed by a virtual code verification server device having a processor, the method comprising:
receiving a virtual code provided by a virtual code generation device from a payment terminal, wherein the virtual code is matched with an actual code by the virtual code generation device and then is generated;
extracting a plurality of detailed codes included in the virtual code, wherein the plurality of detailed codes include, a fixed code, a first code and a second code, and wherein the fixed code is combined at a predetermined location in the virtual code, and includes a code for determining a card issuer or a card type corresponding to the actual code or a code for identifying whether to correspond to the virtual code, the first code is to set a search start point for searching a storage location, and the second code is to set a search path from the search start point to the storage location depending on a specific search method;
searching for the actual code based on the plurality of detailed codes; and
transmitting the actual code to a payment settlement service server or a financial company server,
wherein the virtual code generation device receives a virtual code generation function to store the virtual code generation function in the virtual code generation device 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 device at a payment request time point of a user,
wherein the searching for the actual code includes:
verifying whether the virtual code generation device normally issues the virtual code, by using a generation virtual security number calculated based on a time value within a specific range from a time point when the virtual code is received;
in response to verifying that the virtual code generation device normally issues the virtual code, selecting, based on the fixed code in the virtual code, a specific storage location search algorithm for a specific card type, among storage location search algorithms included in the virtual code verification device, wherein the specific storage location search algorithm moves a pointer on a track based on the first code and the second code, to find the storage location in a hardware memory, which stores the actual code;
applying the first code and the second code to the selected storage location search algorithm by performing:
moving the pointer to a point on the track corresponding to the first code within the virtual code; and
setting a location corresponding to the first code to the search start point, and returning the track by a number of counts corresponding to the second code to search for a point matched with the storage location of the actual code; and
extracting the actual code included in the storage location of the actual code.
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