SG11202011649YA - System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device - Google Patents

System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device

Info

Publication number
SG11202011649YA
SG11202011649YA SG11202011649YA SG11202011649YA SG11202011649YA SG 11202011649Y A SG11202011649Y A SG 11202011649YA SG 11202011649Y A SG11202011649Y A SG 11202011649YA SG 11202011649Y A SG11202011649Y A SG 11202011649YA SG 11202011649Y A SG11202011649Y A SG 11202011649YA
Authority
SG
Singapore
Prior art keywords
virtual code
program
financial transaction
verification device
providing financial
Prior art date
Application number
SG11202011649YA
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
Publication of SG11202011649YA publication Critical patent/SG11202011649YA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F1/00—Details not covered by groups G06F3/00 - G06F13/00 and G06F21/00
    • G06F1/04—Generating or distributing clock signals or signals derived directly therefrom
    • G06F1/14—Time supervision arrangements, e.g. real time clock
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F12/00—Accessing, addressing or allocating within memory systems or architectures
    • G06F12/02—Addressing or allocation; Relocation
    • G06F12/08—Addressing or allocation; Relocation in hierarchically structured memory systems, e.g. virtual memory systems
    • G06F12/10—Address translation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/343—Cards including a counter
    • 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
    • G06Q20/349—Rechargeable 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
    • G06Q20/352—Contactless payments by 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
    • G06Q20/353—Payments by cards read by M-devices
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3231—Biological data, e.g. fingerprint, voice or retina
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2212/00—Indexing scheme relating to accessing, addressing or allocation within memory systems or architectures
    • G06F2212/65—Details of virtual memory and virtual address translation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
SG11202011649YA 2018-08-09 2018-11-06 System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device SG11202011649YA (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
KR20180093349 2018-08-09
KR1020180131824A KR102005549B1 (en) 2018-08-09 2018-10-31 System, method and program for providing financial transaction by virtual code, vritual code generator and vritual code verification device
PCT/KR2018/013410 WO2020032321A1 (en) 2018-08-09 2018-11-06 Virtual code-based financial transaction provision system, virtual code generation device, virtual code verification device, virtual code-based financial transaction provision method, and virtual code-based financial transaction provision program

Publications (1)

Publication Number Publication Date
SG11202011649YA true SG11202011649YA (en) 2020-12-30

Family

ID=67473544

Family Applications (3)

Application Number Title Priority Date Filing Date
SG11202011649YA SG11202011649YA (en) 2018-08-09 2018-11-06 System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device
SG11202101357UA SG11202101357UA (en) 2018-08-09 2019-08-05 Method and system for user autentication using virtual code for authentication
SG11202006096VA SG11202006096VA (en) 2018-08-09 2019-08-06 Smart card for generating and providing virtual code, and method and program therefor

Family Applications After (2)

Application Number Title Priority Date Filing Date
SG11202101357UA SG11202101357UA (en) 2018-08-09 2019-08-05 Method and system for user autentication using virtual code for authentication
SG11202006096VA SG11202006096VA (en) 2018-08-09 2019-08-06 Smart card for generating and providing virtual code, and method and program therefor

Country Status (8)

Country Link
US (3) US11922411B2 (en)
EP (3) EP3783557A4 (en)
JP (3) JP7154381B2 (en)
KR (11) KR102005549B1 (en)
CN (2) CN112567411A (en)
IL (1) IL280506B2 (en)
SG (3) SG11202011649YA (en)
WO (1) WO2020032321A1 (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
KR102346701B1 (en) * 2019-08-30 2022-01-03 주식회사 센스톤 Apparatus, method and program for providing financial transaction by vritual card number
EP3968253B1 (en) * 2020-02-24 2024-04-17 SSenStone Inc. Method, program, and device for authenticating user setting information by using virtual code
WO2021172875A1 (en) * 2020-02-24 2021-09-02 주식회사 센스톤 Method, program, and device for authenticating user setting information by using virtual code
EP3907683B1 (en) * 2020-02-24 2024-01-03 SSenStone Inc. Method and program for authentication between apparatuses based on virtual authentication code
WO2021172876A1 (en) * 2020-02-24 2021-09-02 주식회사 센스톤 Device and method for virtual authorization code-based process authorization
KR102125428B1 (en) * 2020-03-25 2020-06-22 주식회사 이글루시큐리티 Method, device and program for providing the security device's dashboard to a mobile device
KR102442132B1 (en) * 2020-08-05 2022-09-13 한국도로공사 Blockchain ID card for token payment, and payment system using thereof
WO2022186654A1 (en) * 2021-03-04 2022-09-09 주식회사 센스톤 Sim card apparatus for verifying authentication virtual code generated for security of iot device
WO2022186681A1 (en) * 2021-03-04 2022-09-09 주식회사 센스톤 Terminal, card device, and method for generating card data-based virtual security code by using nfc
WO2022186606A1 (en) * 2021-03-04 2022-09-09 주식회사 센스톤 Device and method for providing update of encryption key on basis of authentication virtual code
KR102502339B1 (en) * 2021-03-04 2023-02-23 주식회사 센스톤 Terminal, card device and method for generating virtual security code based on card data using near field communication
EP4273777A1 (en) * 2022-03-04 2023-11-08 SSenStone Inc. Method for registering user on holderless card using virtual code for authentication
KR102464232B1 (en) * 2022-03-22 2022-11-09 주식회사 위피엠 Exhibition design and management method of virtual reality content management system providing virtual exhibition based on online
TWI816390B (en) * 2022-05-09 2023-09-21 兆豐國際商業銀行股份有限公司 Server and method of performing financial transaction using virtual number

Family Cites Families (62)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100516711B1 (en) * 1997-08-07 2005-11-25 마츠시타 덴끼 산교 가부시키가이샤 Device and method for motion vector detection
US6000832A (en) * 1997-09-24 1999-12-14 Microsoft Corporation Electronic online commerce card with customer generated transaction proxy number for online transactions
JPH11195102A (en) * 1997-12-26 1999-07-21 Tookado:Kk Ic card with sensor
FR2805422B1 (en) * 2000-02-18 2002-04-19 Florence Louise Marcelle Morin SELF-CONTAINED AND INDEPENDENT DEVICE FOR PROVIDING AN EPHEMERAL TRANSACTION CODE FOR CHIP CARD PURCHASES, CONFIGURABLE FOR A SINGLE CHIP CARD
JP4942240B2 (en) 2000-08-09 2012-05-30 大日本印刷株式会社 Payment processing method using a credit card
JP4942245B2 (en) 2000-11-20 2012-05-30 大日本印刷株式会社 Payment processing method using a credit card
JP2002312707A (en) 2001-04-13 2002-10-25 Dainippon Printing Co Ltd Account settlement processing method using credit card
KR100441118B1 (en) * 2001-06-19 2004-07-19 한국모바일페이먼트서비스(주) One-time Virtual Card Service System and A Method Thereof
JP3678417B2 (en) * 2002-04-26 2005-08-03 正幸 糸井 Personal authentication method and system
JP2005050292A (en) * 2003-07-30 2005-02-24 Takeshi Aoki Information terminal with built-in radio wave clock for generating one-time password by correcting time
JP4027890B2 (en) * 2003-12-16 2007-12-26 シャープ株式会社 Information transmission system and information transmission apparatus
JP2005182509A (en) * 2003-12-19 2005-07-07 Ntt Docomo Inc Computer system and data tampering detection method
US20060107067A1 (en) * 2004-11-15 2006-05-18 Max Safal Identification card with bio-sensor and user authentication method
US8820637B1 (en) * 2005-02-26 2014-09-02 James A. Roskind Time-varying security code for enabling authorizations and other uses of financial accounts
US8266441B2 (en) * 2005-04-22 2012-09-11 Bank Of America Corporation One-time password credit/debit card
KR100643182B1 (en) 2005-09-22 2006-11-10 대한민국 Electronic voting and election system by using internet
JP4388039B2 (en) * 2006-07-07 2009-12-24 株式会社ジェーシービー Internet payment system
US7909247B2 (en) * 2006-10-27 2011-03-22 American Express Travel Related Services Company, Inc. Wireless transaction medium having combined magnetic stripe and radio frequency communications
FR2911743B1 (en) * 2007-01-23 2009-04-24 Ncryptone Sa PORTABLE AUTHENTICATION DEVICE.
JP4663676B2 (en) * 2007-04-20 2011-04-06 さくら情報システム株式会社 One-time password device and system
US7739169B2 (en) * 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
JP2009031940A (en) * 2007-07-25 2009-02-12 Tis Kk Issuing system for onetime password
US8494959B2 (en) * 2007-08-17 2013-07-23 Emc Corporation Payment card with dynamic account number
US20090159701A1 (en) * 2007-12-24 2009-06-25 Dynamics Inc. Payment cards and devices with enhanced magnetic emulators
ES2674355T3 (en) 2008-11-04 2018-06-29 Amadeus S.A.S. Method and system for storage and retrieval of information
KR101019156B1 (en) * 2009-03-20 2011-03-04 (주)에이티솔루션 System and method for generating a security card
FR2944907A1 (en) * 2009-04-23 2010-10-29 Alain Ratignier Secured electronic voting method for real voter in polling station, involves randomly selecting possibility of vote in memory, and transmitting selected vote couple and voter code to voter
EP2330787B1 (en) * 2009-12-01 2017-09-27 Vodafone Holding GmbH Generation of a time-dependent password in a mobile comunication device
US8751380B2 (en) * 2010-10-26 2014-06-10 Modopayments, Llc System and method for managing merchant-consumer interactions
KR20120083030A (en) * 2011-01-17 2012-07-25 김경중 Vote system
KR20120105296A (en) * 2011-03-15 2012-09-25 한국정보통신주식회사 Method and system for processing one time card payment and server, smart phone thereof
US20120330764A1 (en) * 2011-06-22 2012-12-27 Broadcom Corporation Point of Sale System for Transaction Payment Delegation
KR101556010B1 (en) * 2012-08-08 2015-10-30 오엠알스캔(주) Preventing method of personal informationin leaks in survey and test
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
US20140279555A1 (en) * 2013-03-14 2014-09-18 Nagraid Security, Inc. Dynamically allocated security code system for smart debt and credit cards
KR20150005788A (en) * 2013-07-05 2015-01-15 주식회사 비즈모델라인 Method for authenticating by using user's key value
KR101542111B1 (en) * 2013-12-20 2015-08-12 주식회사 씽크풀 Method for payment using card, digital system, and settlment side system thereof
KR101579923B1 (en) * 2013-12-20 2015-12-23 펜타시큐리티시스템 주식회사 Method for generating one-time password and apparatus for performing the same
KR101378285B1 (en) * 2014-01-21 2014-03-25 신철우 Electronic voting system and method
CN104820796A (en) 2014-01-31 2015-08-05 株式会社茉菲莉亚 Personal identification system, personal information medium, terminal device, and personal identification method
KR20150139210A (en) * 2014-06-03 2015-12-11 김병찬 method for generating a product identification code using voice recognition
KR101621254B1 (en) * 2014-08-27 2016-05-31 유한회사 실릭스 Payment method, computer readable recording medium and system using virtual number based on otp
KR101583515B1 (en) * 2014-11-24 2016-01-12 김승훈 RF Smart Combi-Card of Fingerprint Type and Dealing Method thereof
KR102334894B1 (en) * 2014-12-24 2021-12-03 십일번가 주식회사 Apparatus for authentication and payment based on web, method for authentication and payment based on web, system for authentication and payment based on web and computer readable medium having computer program recorded thereon
CN105825371A (en) 2015-01-07 2016-08-03 阿里巴巴集团控股有限公司 Method and device for processing service
KR101652966B1 (en) * 2015-02-13 2016-09-01 (주)엠앤스마트 System for digital authentication using pairing between universal RF tag and smart phone
KR101667193B1 (en) * 2015-04-02 2016-10-19 현대오토에버 주식회사 Method and system for providing payment service using one time card number
KR101587414B1 (en) * 2015-04-02 2016-01-21 주식회사 다날 One-time credit card number based payment assistance apparatus and method
KR101675927B1 (en) * 2015-10-08 2016-11-14 주식회사 지씨엠씨 Credid authorization terminal, payment managing server, payment managing method, payment terminal, payment terminal operating method and computer program for managing payment
KR101751894B1 (en) * 2015-12-29 2017-07-03 한국정보통신주식회사 Payment terminal and method for processing card payment using one-time card code
KR101751887B1 (en) * 2015-12-29 2017-07-11 한국정보통신주식회사 Method for generating one-time card code, approving card payment, reader and server thereof
KR20170001400U (en) * 2016-03-11 2017-04-18 주식회사 지씨엠씨 Credid authorization terminal, payment managing server, payment terminal
EP3455998B1 (en) * 2016-05-12 2021-09-01 Boland, Michael, J. Identity authentication and information exchange system and method
US9727759B1 (en) * 2016-08-08 2017-08-08 Ellipse World S.A. Prepaid, debit and credit card security code generation system
JP2018050434A (en) * 2016-09-23 2018-03-29 エイピーエス．エスエイ Portable charging device
JP2018056831A (en) * 2016-09-29 2018-04-05 凸版印刷株式会社 IC card and financial transaction system
CN108604345B (en) * 2017-01-25 2020-09-25 华为技术有限公司 Method and device for adding bank card
KR20170078564A (en) * 2017-06-15 2017-07-07 한국정보통신주식회사 Method for generating one-time card code, approving card payment, reader and server thereof
US20190362339A1 (en) * 2018-05-25 2019-11-28 Mastercard International Incorporated Methods and systems for facilitating payment transaction using a preferred digital wallet application
KR102005554B1 (en) * 2018-08-09 2019-07-30 주식회사 센스톤 Method and system for providing financial transaction using empty card
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
KR20220030982A (en) 2022-03-11
KR20200018200A (en) 2020-02-19
SG11202101357UA (en) 2021-04-29
KR20200062102A (en) 2020-06-03
US11922411B2 (en) 2024-03-05
KR102284683B1 (en) 2021-08-02
EP3712830A1 (en) 2020-09-23
IL280506A (en) 2021-03-25
JP7192089B2 (en) 2022-12-19
KR20200018284A (en) 2020-02-19
WO2020032321A1 (en) 2020-02-13
KR20200018228A (en) 2020-02-19
JP2021533504A (en) 2021-12-02
US20210157931A1 (en) 2021-05-27
JP2021533416A (en) 2021-12-02
KR102544556B1 (en) 2023-06-16
EP3836061B1 (en) 2023-06-28
KR102143425B1 (en) 2020-08-11
EP3836061A4 (en) 2022-08-24
KR102005549B1 (en) 2019-07-30
SG11202006096VA (en) 2020-07-29
EP3783557A4 (en) 2022-03-09
KR102217816B1 (en) 2021-02-22
JP7154381B2 (en) 2022-10-17
US20210185034A1 (en) 2021-06-17
US20200320526A1 (en) 2020-10-08
KR20220024353A (en) 2022-03-03
KR102213432B1 (en) 2021-02-08
EP3712830B1 (en) 2024-04-10
CN112567413A (en) 2021-03-26
KR102137953B1 (en) 2020-07-27
KR20200018254A (en) 2020-02-19
EP3712830A4 (en) 2021-09-29
IL280506B1 (en) 2023-01-01
CN112567411A (en) 2021-03-26
JP2023027187A (en) 2023-03-01
EP3836061A1 (en) 2021-06-16
KR20230058353A (en) 2023-05-03
EP3783557A1 (en) 2021-02-24
KR102115013B1 (en) 2020-05-27
KR20200018224A (en) 2020-02-19
IL280506B2 (en) 2023-05-01
KR20200018230A (en) 2020-02-19
KR102525471B1 (en) 2023-04-25
KR102370173B1 (en) 2022-03-04

Similar Documents

Publication Publication Date Title
SG11202011649YA (en) System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device
EP3812993A4 (en) Method and apparatus for constructing merkle trees, and method and apparatus for simplified payment verification
IL304720A (en) Method for a prepaid, debit and credit card security code generation system
SG11202001251RA (en) Method, apparatus, and device for transaction risk control based on graphical structure model
EP3644256A4 (en) Screen output method and program for virtual code generated from payment card, and payment card for generating virtual code
EP3685335A4 (en) System and method for authorization token generation and transaction validation
EP3324355A4 (en) Contract agreement method, agreement verification method, contract agreement system, agreement verification device, contract agreement device, contract agreement program and agreement verification program
SG10202103822UA (en) System, method, operator server, and program for financial demand response provision services
SG11202008682YA (en) Financial transaction control system, application therefor, and financial transaction control method
EP3750086A4 (en) Transaction and identity verification system and method
SG11202011086SA (en) Payment method, apparatus, and system
SG11202009034RA (en) Biometric authentication method, system, and computer program
EP3525148A4 (en) Payment service execution system, method, and device
GB201406594D0 (en) Method, system and computer program for validating a facial image-bearing identity document
SG11202000779PA (en) Virtual card opening method and system, payment system, and card issuing system
ZA202000488B (en) System and method for authenticating a transaction
EP3525181A4 (en) Method, apparatus and system for identity validity verification
EP3528192A4 (en) Transaction method, payment device, verification device and server
EP3690697A4 (en) Verification device, information processing method, and program
SG11202006068VA (en) Fare payment method, apparatus, and device
SG11202011766PA (en) Apparatus, method and program for providing financial transaction by virtual card number
SG11201708102YA (en) System, method and computer program for executing monetary transactions based on social information
GB202103396D0 (en) Systems and methods for distributed identity verification during a transaction
SG10201607103TA (en) Control apparatus , position verification system, computer program, and position verification method
SG11202009997QA (en) Method, system, and computer program product for authenticating a device