| CPC G06Q 20/351 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/405 (2013.01); G06Q 40/12 (2013.12)] | 13 Claims |
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1. A method for providing financial transaction based on a virtual corporate card, the method comprising:
receiving, by a server, a card number including an identifier number that identifies whether the card number is an employee-specific virtual corporate card number or a virtual employee card number, and identifying, by the server, whether the received card number is the employee-specific virtual corporate card number or the virtual employee card number;
when the received card number is the employee-specific virtual corporate card number, searching, by the server, for an employee-specific virtual corporate card number, which is stored in the server, wherein the employee-specific virtual corporate card number is generated by combining a plurality of detailed codes, by a virtual corporate card number generation function included in a manager application registered in the server;
searching, by the server, for a storage location of company identification (CID) based on the plurality of detailed codes constituting the employee-specific virtual corporate card number,
wherein the plurality of detailed codes include a first code, a second code and a third code, and
wherein the first code is generated by the manager application to be a sum of a time count at the time of generation and a one-time-password (OTP) code generated by an OTP code generation function included in the manager application, and the second code is generated by the manager application to be the first code minus a storage location value of CID, and
wherein the third code includes a generation time code that corresponds to a point in time when the employee-specific virtual corporate card number is generated;
extracting, by the server, the CID from the storage location;
extracting, by the server, a corporate card usage condition, wherein the corporate card usage condition is stored in the server with matching information to the CID or is included in the employee-specific virtual corporate card number;
verifying, by the server, the employee-specific virtual corporate card number by performing:
generating, by the server, the OTP code within a specific count range from a point in time, at which a payment request is received, based on the storage location of the CID;
determining, by the server, whether the generated OTP code is identical to a virtual security code extracted from the employee-specific virtual corporate card number;
calculating, by the server, time data regarding an employee-specific virtual corporate card number-available time from the virtual security code, and a difference between the calculated time data and the generation time code included in the third code; and
determining, by the server, that the employee-specific virtual corporate card number is verified when the difference is within a preset range;
after the employee-specific virtual corporate card number is verified, extracting, by the server, an actual corporate card number or a corporate representative-specific virtual corporate card number, based on the CID, wherein the CID, the actual corporate card number, the corporate representative-specific virtual corporate card number, and the corporate card usage condition are stored in a manager information storage area of the server, the employee-specific virtual corporate card number is stored in an employee information storage area of the server, and the manager information storage area is separated from the employee information storage area;
making, by the server, a payment with the actual corporate card number or the corporate representative-specific virtual corporate card number, under the corporate card usage condition;
when the received card number is the virtual employee card number, which is generated by a virtual corporate card number generation function included in an employee application registered in the server, searching, by the server, for a storage location of user identification (UID) based on the virtual employee card number, wherein the UID is stored in the employee information storage area of the server; and
making, by the server, the payment with the virtual employee card number.
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