METHOD AND PROGRAM FOR OUTPUTTING VIRTUAL CODE GENERATED FROM PAYMENT CARD, AND PAYMENT CARD FOR GENERATING VIRTUAL CODE

• US 20200134610A1
• Filed: 12/27/2019
• Published: 04/30/2020
• Est. Priority Date: 08/09/2017
• Status: Abandoned Application

• Current Assignee: Ssenstone Inc.
• Original Assignee: Ssenstone Inc.
• Inventors: YOO, Chang Hun
• Application Number:
  US16/728,796
• Publication Number:
  US 20200134610A1
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/30 Authentication, i.e. establishing the identity or authorisation of security principals
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06F 8/30 Creation or generation of source code
• CPC Class Codes: G06Q 20/0658 e-cash managed locally
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0807 : using tickets, e.g. Kerberos cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213
• CPC Class Codes: H04L 63/0838 : using one-time-passwords
• CPC Class Codes: H04L 9/3213 : using tickets or tokens, e.g. Kerberos network architectures or network communication protocols for entities authentication using tickets in a packet data network H04L63/0807
• CPC Class Codes: H04L 9/3228 : One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
• CPC Class Codes: H04L 9/3234 : involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853
• CPC Class Codes: H04W 12/033 : of the user plane, e.g. user's traffic

Abstract

A method and a program for outputting a virtual code generated from a payment card, and a payment card for generating a virtual code are provided. The method for outputting the virtual code generated from the payment card includes receiving, by a virtual code output application, a virtual code from a payment card after connecting the payment card with a mobile terminal through short-range wireless communication, and outputting, by the virtual code output application, the virtual code on the screen.

Claims

1. A method for outputting a virtual code, which is generated from a payment card, on a screen, the method comprising:

receiving, by a virtual code output application, the virtual code from the payment card after connecting the payment card with a mobile terminal through short-range wireless communication; and

outputting, by the virtual code output application, the virtual code on the screen,

wherein the virtual code output application is installed or embedded in the mobile terminal,

wherein the virtual code is generated as a code, which is matched to a real card number, through a virtual code generating function stored in the payment card, at every unit count, and is used to detect the real card number in a financial company server or a virtual token verifying server, and

wherein the unit count is set as a specific time interval and changed as the specific time interval is elapsed.

2. The method of claim 1, wherein the virtual code output application is activated when the short-range wireless communication is made between the payment card and the mobile terminal as the virtual code output application is run in background in the mobile terminal.

8. The method of claim 1, further comprising:

providing, by the virtual code output application, the virtual code to a clipboard,

wherein the virtual code provided on the clipboard is input to an online payment page in response to an operation of a user.

3. A method for outputting a virtual code, which is generated from a payment card, on a screen, the method comprising:

synchronizing, by a virtual code output application, time of an encryption algorithm through wireless communication between a virtual code output application and the payment card;

receiving, by the virtual code output application, an encrypted code generated from the payment card, wherein the encrypted code is obtained by encrypting the virtual code generated from the payment card based on the synchronized encryption algorithm;

decrypting, by the virtual code output application, the encrypted code to the virtual code based on the encryption algorithm; and

outputting, by the virtual code output application, the virtual code on the screen,

wherein the virtual code is generated as a code matched to a real card number through a virtual code generating function stored in the payment card, at every unit count, and is used to detect the real card number in a financial company server or a virtual token verifying server; and

wherein the unit count is set as a specific time interval and changed as the specific time interval is elapsed.

4. The method of claim 3, wherein the encryption algorithm is matched to an encryption rule every time.

5. The method of claim 3, wherein the payment card generates a plurality of detailed codes through a plurality of detailed code generating functions;

and generates the virtual code by combining the plurality of detailed codes through a detailed code combining function,

wherein the detailed code generating function and the detailed code combining function are included in the virtual code generating function, and

wherein the plurality of detailed codes include;

a first code to set a starting point of detecting a storage position; and

a second code to set a search path to the storage position from the starting point according to a specific searching scheme.

9. The method of claim 3, further comprising:

providing, by the virtual code output application, the virtual code to a clipboard,

wherein the virtual code provided on the clipboard is input to an online payment page in response to an operation of a user.

6. A method for outputting a virtual code, which is generated from a payment card, on a screen, the method comprising:

receiving, by a second virtual code generating module, a virtual security code from a first virtual code generating module;

generating, by the second virtual code generating module, a plurality of detailed codes through a plurality of detailed code generating functions;

generating, by the second virtual code generating module, the virtual code through combination of the plurality of detailed codes through at least one detailed code combining function; and

outputting, by the second virtual code generating module, the virtual code on the screen,

wherein the virtual code is generated as a code matched to a real card number through a virtual code generating function stored in the payment card, at every unit count, and is used to detect the real card number in a financial company server or a virtual token verifying server,

wherein the virtual code generating function includes the detailed code generating function and the detailed code combining function,

wherein the first virtual code generating module is included in the payment card,

wherein the second virtual code generating module is included in a virtual code output application embedded or installed in a mobile terminal, generates the plurality of detailed codes matched to a unit count in which generation of the virtual code is requested using the virtual security code, generates the virtual code by combining the plurality of detailed codes, and outputs the virtual code on the screen, and

wherein the unit count is set as a specific time interval and changed as the specific time interval is elapsed.

7. The method of claim 6, wherein the plurality of detailed codes include:

a first code generated based on a first count; and

a second code generated based on a second count,

wherein the first count is the number of unit counts elapsed from an initial time point at which the virtual code generating function is run in a virtual code verifying server,

wherein the second count is the number of unit counts elapsed from a time point at which a real card number of a specific user is issued, and

wherein the generating of the at least one detailed code includes;

applying the virtual security code to the second count or the number of counts elapsed from a current time point.

10. The method of claim 6, further comprising:

providing, by the virtual code output application, the virtual code to a clipboard,

wherein the virtual code provided on the clipboard is input to an online payment page in response to an operation of a user.