WO2020162706A1 - Virtual corporate card-based financial transaction providing method, program and system - Google Patents

Virtual corporate card-based financial transaction providing method, program and system Download PDF

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Publication number
WO2020162706A1
WO2020162706A1 PCT/KR2020/001755 KR2020001755W WO2020162706A1 WO 2020162706 A1 WO2020162706 A1 WO 2020162706A1 KR 2020001755 W KR2020001755 W KR 2020001755W WO 2020162706 A1 WO2020162706 A1 WO 2020162706A1
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WO
WIPO (PCT)
Prior art keywords
card number
virtual
corporate card
employee
corporate
Prior art date
Application number
PCT/KR2020/001755
Other languages
French (fr)
Korean (ko)
Inventor
유창훈
Original Assignee
주식회사 센스톤
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 주식회사 센스톤 filed Critical 주식회사 센스톤
Priority to JP2021531571A priority Critical patent/JP7273965B2/en
Priority to EP20752730.0A priority patent/EP3754580A4/en
Priority to EP23184698.1A priority patent/EP4231220A3/en
Priority to CN202080006924.6A priority patent/CN113196323A/en
Priority to SG11202011498UA priority patent/SG11202011498UA/en
Priority claimed from KR1020200014716A external-priority patent/KR102269922B1/en
Publication of WO2020162706A1 publication Critical patent/WO2020162706A1/en
Priority to US17/022,847 priority patent/US20200410476A1/en

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    • 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
    • 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
    • G06Q20/40—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

Definitions

  • the present invention relates to a method, program, and system for providing a virtual corporate card-based financial transaction.
  • a corporate card is a card issued to a corporation, which increases the transparency of expenses used by the corporation and can cover the mandatory use of the card prescribed in the tax law.
  • corporate cards are managed for each employee or organization by a manager within a corporation, and a card issuer issues a card with a card number assigned to each target (employee or organization).
  • Code type data is used in many areas.
  • the card number and account number used at the time of payment, as well as the IPIN number and resident registration number for user identification are code data.
  • a plurality of physical corporate cards are issued from a financial company, and a physical corporate card is issued and collected to executives and employees as needed.
  • the problem to be solved by the present invention is a method, program, and system for providing a financial transaction based on a virtual corporate card that reduces the issuance of unnecessary real corporate cards and allows convenient and quick management of corporate card issuance and management in real time. Is to provide.
  • the problem to be solved by the present invention is that when performing a financial transaction with a virtual corporate card, the actual corporate card number is not exposed to the outside, and a virtual corporate card that can perform payment by verifying the validity of the virtual corporate card number. It is to provide methods, programs, and systems that provide financial transactions based on.
  • the problem to be solved by the present invention is to provide a method, program, and system for providing a financial transaction based on a virtual corporate card that can be used by adding only an algorithm without changing the existing payment process.
  • a method of providing a financial transaction based on a virtual corporate card for solving the above-described problem sets a virtual corporate card number generation condition in a manager application, which is performed by a payment server, and the manager application It is installed in the user terminal of the corporate card manager, which generates a virtual corporate card number used to search for the actual corporate card number, the step of setting a virtual corporate card number generation condition, issued to the first executive by the manager application Acquiring a first virtual corporation card number, wherein the first virtual corporation card number is generated by the manager application at the time the first executive and employee requests the virtual corporation card number, the first virtual corporation card number obtaining step and It may include a payment performing step of performing payment with the actual corporate card number searched based on the first virtual corporate card number.
  • the first virtual corporate card number is generated based on time data corresponding to a time point at which the virtual corporate card number is requested, and does not overlap with the virtual corporate card number generated at another time point.
  • the first virtual corporation card number is extracted and obtained from the storage area searched for by the first virtual employee card number.
  • the employee card number is self-generated by the virtual employee card number generation function stored in the employee application, and is changed every unit time.
  • the first virtual corporation card number is extracted and obtained from the storage area searched for by the first blank card number.
  • the number is a number stored in a blank card registered in the employee application by the first executive and employee, and is connected to a storage area in which the first virtual corporation card number is stored, and the blank card has no number on its surface.
  • the payment server when the first employee registers and uses the first virtual corporation card number in a separate mobile payment service, the payment server When using the corporate card payment using the mobile payment service, it is characterized in that the mobile payment service server receives based on the identifier number (BIN) included in the first virtual corporate card number.
  • BIN identifier number
  • the first virtual corporation card number is a virtual corporation card number generated by a manager application, and payment is approved.
  • checking whether the first virtual corporation card number matches the virtual corporation card number stored in the storage area searched for by the first virtual corporation card number, and the first It may include the step of searching for an actual corporate card number based on the virtual corporate card number.
  • the first virtual corporate card number includes a plurality of detailed codes used to search for an actual corporate card number, and the plurality of detailed codes have a correlation for searching for an actual corporate card number,
  • the actual corporate card number is searched by calculating based on the correlation from the transit point through a transit point corresponding to at least one detailed code of the plurality of detailed codes.
  • the method includes receiving and registering the first virtual corporation card number from an employee application or a manager application, but the employee application is an application of an employee who has been provided with the first virtual corporation card number generated from the manager application, A first virtual corporation card number registration step may be further included.
  • the step of registering the first virtual corporation card number when receiving the virtual corporation card number from the employee application, searching for a user identification (UID) given when registering in the employee application, the UID Storing the received virtual corporate card number in a connected storage area, searching for a CID (Company identification) based on the received virtual corporate card number, and storing the received virtual corporate card number in a storage area connected to the CID. It may include the step of storing.
  • UID user identification
  • CID Computer identification
  • the virtual corporate card number generation condition is stored in matching with the received virtual corporate card number, and the virtual corporate card number generation condition may include an expiration date or limit. have.
  • the virtual corporate card number stored in the storage area connected to the CID may be deactivated or deleted.
  • the method may further include checking whether the received virtual corporate card number corresponds to a corporate card group based on an identifier number (BIN) included in the received virtual corporate card number.
  • BIN identifier number
  • step of registering the first virtual corporation card number receiving employee identification information from the manager application and matching and storing the employee identification information with the virtual corporation card number in a storage area connected to the CID It may further include steps.
  • a program for providing financial transactions based on a virtual corporate card according to another aspect of the present invention for solving the above-described problems is combined with a computer that is hardware to execute a method of providing financial transactions based on the virtual corporate card. It can be stored on a medium.
  • the system for providing a financial transaction based on a virtual corporate card for solving the above-described problem sets a virtual corporate card number generation condition in the manager application, but the manager application is the user terminal of the corporate card manager.
  • a virtual corporate card number generation condition setting unit that generates a virtual corporate card number used to search for an actual corporate card number, obtains the first virtual corporate card number issued to the first employee by the manager application
  • the first virtual corporation card number is generated by the manager application at the time the first executive and employee requests the virtual corporation card number, the first virtual corporation card number acquisition unit and the first virtual corporation card number. It may include a payment execution unit that performs payment with the actual corporate card number searched based on the search.
  • a CID search unit based on a UID search unit, a CID search unit, and the first virtual corporation card number, searching for a CID based on the first virtual corporation card number, searching for a UID given when registering in the employee application in the system. It may further include a real corporate card number search unit to search for the actual corporate card number.
  • the present invention it is possible to issue a plurality of virtual corporate card numbers that match one actual corporate card number without the need to issue an actual corporate card number to each of the executives and employees.
  • the procedure can be simplified and the cost associated with issuing physical cards can be saved.
  • the administrator can conveniently and quickly manage the corporate card by issuing the corporate card in real time through the manager application and setting the usage rights (eg, usage period, usage limit, etc.). can do.
  • the usage rights eg, usage period, usage limit, etc.
  • a payment method that is convenient for the employee to use (offline payment method such as a general plastic card, on/offline payment method based on a disposable virtual card number, existing simple payment method such as Google Pay, etc.) You can choose to make a corporate card payment.
  • the virtual corporate card number provided to the employee from the manager is not directly exposed to the outside, so that a cardless transaction fraud occurs due to the outflow of the virtual corporate card number. It can also be prevented.
  • the existing process can be maintained as it is.
  • the POS device and the PG company server are maintained as they are, and the virtual code is transmitted to the payment server, and the payment server corresponds to the virtual code.
  • Payment can be made by searching the storage area of the payment code.
  • FIG. 1 is a block diagram of a system for providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of a payment server according to an embodiment of the present invention.
  • FIG. 3 is a block diagram of a payment server including a detailed configuration of a search unit according to an embodiment of the present invention.
  • FIG. 4 is a flowchart schematically illustrating a method of providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
  • FIG. 5 is an exemplary view showing examples according to a payment method for a step of obtaining a virtual corporate card number by a payment server according to an embodiment of the present invention.
  • FIG. 6 is a flowchart schematically showing a detailed process of a payment execution step according to an embodiment of the present invention.
  • FIG. 7 is a flowchart illustrating a method of providing a virtual corporate card-based financial transaction further including a step of registering a virtual corporate card number according to an embodiment of the present invention.
  • FIG. 8 is a flowchart schematically showing a detailed process of a virtual corporate card number registration step according to an embodiment of the present invention.
  • FIG. 9 is a flowchart showing a virtual corporate card number registration step further including the step of confirming a corporate card group according to an embodiment of the present invention.
  • FIG. 10 is a flowchart illustrating a virtual corporate card number registration step further including the step of receiving and storing employee identification information according to an embodiment of the present invention.
  • FIG. 11 is an exemplary view showing a state in which a search algorithm is driven according to an embodiment of the present invention.
  • corporate card refers to a card for processing expenses of an organization such as a corporation. That is, the "corporate card” includes not only a card issued by a financial company to a corporation, but also a card issued by an oil refinery to a corporation and used for payment. In addition, although it is referred to as a corporate card, the subject of the corporate card is not limited to a corporation, and includes any organization composed of a plurality of members.
  • character is an element constituting a code, and includes all or part of an uppercase alphabet, a lowercase alphabet, numbers, and special characters.
  • code means a character string in which characters are listed.
  • user identification refers to a value in the form of a unique code that is not duplicated for each user to identify a user.
  • CID company identification
  • the "actual corporate card number” is a number assigned to an actual corporate card issued by a financial company or a credit card company, and means a corporate actual card number assigned to a general physical card or mobile card.
  • the "virtual corporate card number” refers to a corporate virtual card number used to search for an actual corporate card number or to search for a CID.
  • a "user terminal” is an arbitrary electronic device including an application processor (AP) capable of driving an application.
  • the user terminal is a non-portable desktop computer or portable mobile device (e.g., a smart phone, a tablet PC, a personal digital assistant (PDA), an enterprise digital assistant (EDA), a portable multimedia assistant (PMP)). player), a personal navigation device (PND), a wearable device, etc.), but is not limited thereto.
  • wearable device refers to a device that can be used or held by being attached to or worn on a body.
  • a blank card, a smart watch, a watch, a bracelet, an anklet, a ring, a necklace, glasses, shoes, clothing, etc. may be configured in various forms, but is not limited thereto and can be attached or worn on the body. Includes any form.
  • blank card refers to a card that is separate from a user's actual card and is not connected to a specific financial company or payment company. Meanwhile, a separate blank card number or identification number (eg, serial number) may be assigned to the blank card.
  • the "virtual corporation card number generation condition” means a condition for generating a virtual corporation card number of a corresponding corporation set in each manager application by the payment server.
  • the virtual corporate card number generation condition may be given to the manager application in the form of a virtual corporate card number generation algorithm.
  • the "individual virtual corporate card number usage condition” means a condition that restricts the use of the virtual corporate card number issued to executives and employees.
  • the conditions for using an individual virtual corporate card number may include information on an expiration date, usage limit, and target affiliate store, but is not limited thereto.
  • FIG. 1 is a block diagram of a system 1000 for providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
  • a system 1000 for providing financial transactions based on a virtual corporate card may include a manager application 100, an employee application 200, and a payment server 300. have.
  • the manager application 100 is an application provided to a corporate card manager when a corporate card is issued by a financial company.
  • the manager application 100 may be activated to the corporate card manager by the payment server 300 when requesting issuance of a corporate card to a financial company.
  • the manager application 100 generates a virtual corporate card number and provides it to the employee application 200 so that the virtual corporate card can be issued and managed by itself for employees. At this time, the manager application 100 may generate a virtual corporate card number and transmit it directly to the employee application 200 or provide it to the employee application 200 through an in-house system.
  • manager application 100 may set individual virtual corporate card usage conditions (eg, the validity period and usage limit of the corporate card) for the issued virtual corporate card.
  • individual virtual corporate card usage conditions eg, the validity period and usage limit of the corporate card
  • the manager application 100 may include a virtual corporation card number generation function, which is a function used to generate a virtual corporation card number.
  • the manager application 100 generates a virtual corporate card number using a pre-stored virtual corporate card number generation function without communication with the outside such as the payment server 300. That is, since the manager application 100 does not receive separate seed data from the outside in the process of generating the virtual corporate card number, security is enhanced, and the effect that payment can be used even when communication with the outside is restricted. There is.
  • the virtual corporate card number is generated so as not to overlap with other virtual corporate card numbers.
  • the virtual corporate card number may be generated based on time data corresponding to the time when the virtual card number is requested (eg, the time of installation or the length of time elapsed from the time of registration). Accordingly, the manager application 100 may generate different virtual corporate card numbers according to the time of creation, and the virtual corporate card number generated at a specific time does not overlap with the virtual corporate card number generated at another time.
  • the virtual corporation card number generation function may include a detailed code generation function and a detailed code combining function. That is, the virtual corporate card number may be generated by combining a plurality of detailed codes.
  • the detailed code generation function is the UID in the payment server 300 Alternatively, it plays a role of generating a plurality of detailed codes used when searching for CIDs.
  • the detailed code combination function generates a virtual corporate card number by combining a plurality of detailed codes generated by the detailed code generation function based on a specific combination rule.
  • the employee application 200 receives a virtual corporate card from the manager application 100, registers it for use, and processes financial transactions using various payment methods based on the registered virtual corporate card.
  • the employee application 200 may be activated through an employee authentication procedure. That is, the employee installs the employee application 200 on the user terminal, and authenticates that the employee is an employee of a corresponding corporation, thereby activating the employee application 200.
  • the employee authentication procedure may include an approval procedure of the manager application 100.
  • the employee may apply for issuance of a virtual corporate card number to the corporate card manager through the employee application 200. That is, the employee application 200 may request issuance of a virtual corporate card number through the manager application 100 or may request issuance of a virtual corporate card number through an in-house system.
  • the employee application 200 receives a virtual corporation card number generated by the manager application 100 from the manager application 100.
  • the virtual corporate card number received by the employee application 200 is transmitted to the payment server 300, the virtual corporate card number received from the payment server 300 is verified and stored connected to the UID (user identification) assigned to the employee.
  • the UID is given when an employee installs the manager application 200, registers a user in the manager application 200, or authenticates an employee, and is a value in the form of a unique code that can identify the employee.
  • the card number registered to be used through the employee application 200 is a virtual corporate card number, not an actual corporate card number.
  • security can be strengthened, and unnecessary issuance of actual corporate card numbers can be reduced, thereby reducing card issuance costs. Details of the registration process and use process of the virtual corporate card of the employee application 200 will be described later.
  • the employee application 200 may be a corporate-only application.
  • the corporate-dedicated application is an application provided by the payment server 300 and is an application capable of performing financial transactions using a corporate card.
  • the employee is given a UID by registering a user in the corporate application provided from the payment server 300, and can register and use a virtual corporate card number issued to the employee in a storage area connected to the UID.
  • corporate-only applications are not limited to those that can register only corporate cards, and it is also possible to additionally register and use individual cards of employees. That is, an employee can register a plurality of cards including a corporate card and an individual card in one application, and select and use a card as necessary.
  • the employee application 200 may be a personal card payment application. That is, if there is a personal card payment application that has been used in the past, the employee can additionally register and use the corporate card issued to the application. For example, if there is a variable virtual card number application that registers and uses a fixed card number in order for employees to safely use their personal credit card and debit card, the employee is changed as an employee of the affiliated corporation. After authentication in the type virtual card number application, the issued virtual corporate card number can be used and registered.
  • the manager application 100 and the employee application 200 may be provided in a form installed or embedded in the user terminal of the manager and the user terminal of the employee, respectively.
  • the payment server 300 is a server operated by a financial company such as a card company that issues a corporate card or an oil refinery.
  • the payment server 300 serves to process a virtual corporate card use registration process and a payment process in connection with the manager application 100 or the employee application 200.
  • the payment server 300 issues an actual corporate card number to a corporation that has requested issuance of a corporate card and provides it to the manager application 100.
  • the payment server 300 sets a virtual corporate card number generation condition for the manager application 100.
  • the manager application 100 may generate a virtual corporate card number according to the virtual corporate card number generation condition set by the payment server 300. For example, the manager application 100 may generate a virtual corporate card number using a virtual corporate card number generation algorithm given from the payment server 300 as a virtual corporate card generation condition.
  • the payment server 300 may perform a virtual corporation card use registration process in which the virtual corporation card issued to the employee is registered and activated in connection with the employee application 200.
  • an employee card management module (not shown) and a corporate card management module (not shown) for each corporate may be used.
  • the process of registering the use of a virtual corporate card includes a process in which an employee stores and registers a virtual corporate card number in a storage area (hereinafter referred to as a storage area for each employee) connected to the UID assigned to the employee in the employee card management module for each corporation.
  • the card management module may include the process of determining the validity of the virtual corporate card number registered through the employee card management module for each corporate body is normally issued, and registering and activating it so that it can be used.
  • the payment server 300 uses the virtual corporate card number and employee combination issued from the manager application 100 and registered in the storage area for each employee, and the virtual corporate card number and employee combination in the payment server 300. Compare and verify. At this time, the "virtual corporate card number and employee combination" is a mapping relationship between the virtual corporate card number created by the issuance of the manager and the employee to be issued. Through this, the payment server 300 can check whether the virtual corporate card number received from the employee application 200 is a virtual corporate card number normally issued by the corporate card manager or an employee actually issued by the corporate card manager.
  • FIG. 2 is a block diagram of a payment server 300 according to an embodiment of the present invention.
  • the payment server 300 includes a virtual corporate card number generation condition setting unit 310, a first virtual corporate card number acquisition unit 320, and a payment execution unit 330. And a search unit 340.
  • the virtual corporate card number generation condition setting unit 310 serves to set the virtual corporate card number generation condition in the manager application 100.
  • the manager application 100 generates a virtual corporate card number based on the virtual corporate card number generation condition (eg, a virtual corporate card number generation algorithm) set by the payment server 300.
  • the payment server 300 may search for a CID in a virtual corporate card use registration process or a payment process based on the virtual corporate card number generation condition. That is, the payment server 300 searches for the CID based on the virtual corporate card number generation condition, and stores the virtual corporate card number or the actual corporate card number in a storage area connected to the CID (hereinafter,'the storage area for each corporation'), or , You can extract the virtual corporate card number or the actual corporate card number that is already stored. A detailed description of this will be described later.
  • the first virtual corporation card number acquisition unit 320 serves to obtain the first virtual corporation card number issued to the first executive by the manager application 100.
  • the first virtual corporation card number is a virtual corporation card number generated by the manager application 100 at the time the first employee requests the virtual corporation card number. That is, the first employee may request issuance of a virtual corporation card number through the employee application 200, and the manager application 100 generates the first virtual corporation card number at the time requested by the first employee.
  • the first virtual corporation card number acquisition unit 320 obtains the first virtual corporation card number when an employee who has received and registered the first virtual corporation card number requests payment based on the first virtual corporation card number.
  • the method of obtaining the first virtual corporation card number by the first virtual corporation card number acquisition unit 320 varies according to the type of payment method used by the employees, and specific embodiments will be described later with reference to FIG. 5.
  • the payment execution unit 330 serves to perform payment with the actual corporate card number found based on the first virtual corporate card number obtained by the first virtual corporate card number acquisition unit 320.
  • the search unit 340 serves to search for a UID or CID in a process of registering a virtual corporate card number or a process of performing payment based on the virtual corporate card number.
  • search unit 340 may be included in the payment execution unit 330 and configured.
  • the search unit 340 may include a UID search unit 341 and a CID search unit 342 respectively searching for a UID or CID.
  • the UID search unit 341 searches for a UID assigned to an employee.
  • the payment server 300 may extract a virtual corporate card number from a storage area (storage area for each employee) connected to the UID searched by the UID search unit 341.
  • the CID search unit 342 performs a role of searching for a CID based on the virtual corporate card number.
  • the payment server 300 may extract a virtual corporate card number or an actual corporate card number already stored in a storage area (storage area for each corporation) connected to the CID searched by the CID search unit 342.
  • the payment server 300 is a storage area connected to the CID searched based on the virtual corporate card number received from the employee application 200 and the virtual corporate card number in order to verify the validity of the virtual corporate card number. You can check whether the virtual corporation card number extracted from the storage area matches.
  • the payment server 300 searches for a CID based on the virtual corporate card number received from the employee application 200 to perform payment, and is stored in a storage area (storage area for each corporation) connected to the CID. You can extract the actual corporate card number.
  • the payment server 300 owns a search algorithm for searching for UID or CID.
  • Each search algorithm (UID search algorithm or CID search algorithm) for searching for UID or CID may be partially or entirely the same, or different search algorithms may be applied.
  • the payment server 300 may search for a UID or CID based on a plurality of detailed codes constituting a virtual corporate card number.
  • the payment server 300 has a correlation used when searching for a UID or CID between a plurality of detailed codes.
  • the payment server 300 searches for a UID or CID by calculating based on the correlation between a plurality of detailed codes.
  • the payment server 300 extracts a plurality of detailed codes included in the virtual corporate card number received from the employee application 200.
  • the payment server 300 searches for a UID or CID based on a plurality of detailed codes extracted through a search algorithm possessed by itself.
  • the search algorithm searches for UID or CID by calculating based on correlations between a plurality of detailed codes.
  • the search algorithm included in the payment server 300 is calculated based on the correlation between the plurality of detailed codes from the transit point via a transit point corresponding to one or more detailed codes of a plurality of detailed codes. You can search for UID or CID by (setting a search path). At this time, there may be one or more transit points, and there is no limit to the number and order.
  • the plurality of detailed codes may include a first code and a second code, and the first code and the second code have a correlation used to search for a UID or CID.
  • the first code and the second code are either the first corporate code and the second corporate code included in the virtual corporate card number, or the first personal code and the second individual code included in the virtual employee card number. I can.
  • the virtual employee card number may be generated on the same principle as the virtual corporate card number. That is, the virtual employee card number generation function that generates the virtual employee card number is the same detailed code generation function and detailed code as the detailed code generation function and detailed code combination function included in the virtual corporate card number generation function that generates the virtual corporate card number. It may include a coupling function.
  • the first code and the second code have a correlation for the payment server 300 to search for a UID or CID, but the manager application 100 generates a first code to increase security.
  • the first function and the second function for generating the second code are included as the detailed code generation function, and data on the correlation between the first code and the second code may not be included.
  • the first code and the second code may perform respective roles in the search process.
  • the first code may include information on a transit point
  • the second code may include information necessary for an operation capable of reaching a storage location of an actual code from the transit point. Specific examples of the first code and the second code will be described later with reference to FIG. 11.
  • the payment server may further include a payment method registration unit (not shown).
  • the payment method registration unit serves to register an offline payment method (eg, a blank card, a wearable device, etc.) in the employee application 200.
  • the payment method registration unit may be linked with the employee card management module for each corporation to link the offline payment method to the storage area for each employee assigned to the employee.
  • the payment method registration unit may store and register the blank card number or identification number assigned to the offline payment method by matching the virtual corporation card number registered in the employee card management module for each corporation.
  • FIG. 4 is a flowchart schematically illustrating a method of providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
  • the method of providing a financial transaction based on a virtual corporate card includes a virtual corporate card generation condition setting step (S500), a first virtual corporate card number acquisition step (S700), and payment. It may include an performing step (S800).
  • Step S500 the payment server 300 is a step of setting the virtual corporation card generation conditions in the manager application (100).
  • the manager application 100 may generate a virtual corporate card number used to search for an actual corporate card number according to a set generation condition.
  • Step S700 is a step in which the payment server 300 obtains a first virtual corporation card number issued to the first executive by the manager application 100. At this time, the first virtual corporation card number is generated by the manager application 100 at the time when the first employee requests the virtual corporation card number.
  • step S800 the payment server 300 performs payment with the actual corporate card number searched based on the first virtual corporate card number received from the employee application 200. Details of the payment process will be described later with reference to FIG. 6.
  • FIG 5 is an exemplary view showing examples according to payment means for a step of obtaining a virtual corporate card number by the payment server 300 according to an embodiment of the present invention.
  • the employee may use a personal card payment application (eg, a variable virtual card number application that registers and uses a fixed card number) that has been used as a payment method. That is, the employee may additionally register and use the issued virtual corporate card number by using the personal card payment application previously being used as the employee application 200.
  • a personal card payment application eg, a variable virtual card number application that registers and uses a fixed card number
  • the employee may additionally register and use the issued virtual corporate card number by using the personal card payment application previously being used as the employee application 200.
  • the employee's personal card payment application generates a virtual employee card number matching the additionally registered virtual corporate card number.
  • the employee's personal card payment application provides the generated virtual employee card number to the payment terminal (for example, when making offline payments, the virtual employee card number is transmitted to the payment terminal through NFC reading or QR code scanning). You can request payment.
  • the payment server 300 receives the virtual employee card number from the personal card payment application, and extracts and obtains the virtual corporate card number from the storage area searched by the received virtual employee card number.
  • the virtual employee card number is self-generated by the virtual employee card number generation function stored in advance in the personal card payment application 200, and is changed every unit time.
  • the virtual employee card number may include an identifier number (BIN).
  • the identifier number (BIN) is whether the virtual employee card number received from the payment server 300 from the personal card payment application is a virtual employee card number for the employee's personal card or a virtual employee card number for a virtual corporate card issued to employees. It is used to identify.
  • the first six digits of the virtual corporate card number may be composed of a specific identifier number (BIN) for each corporation.
  • the payment server 300 extracts the first six digits of the virtual employee card number received from the personal card payment application to identify whether it corresponds to a virtual corporate card number and whether it is a virtual corporate card number issued by a corporation.
  • employees may register and use a separate physical payment method as a payment method.
  • a "real payment method” is a device that can perform financial transactions, and is a payment method that cannot directly generate a virtual card number.
  • the real payment method is a payment method that receives code data that can generate financial transactions or code data that matches the actual card number, and performs offline payment based on short-range communication or online payment in conjunction with a user terminal. May be, but is not limited thereto.
  • the physical payment means may be a blank card with no number written on the surface.
  • the payment server 300 makes payment based on the virtual corporate card number issued to the employee by linking the blank card number or identification number assigned to the blank card to the storage area for each employee assigned to the employee. It can be stored and used as a payment method that can be performed.
  • the payment server 300 receives the first blank card number from the blank card, and extracts and obtains the first virtual corporation card number from the storage area searched for by the received first blank card number.
  • the first blank card number is a number stored in the blank card registered by the first employee in the employee application 200, and is connected to the storage area in which the first virtual corporation card number is stored.
  • employees may use a separate mobile payment service as a payment method. That is, the employee can register the virtual corporate card number in the mobile payment service, and use the corporate card payment by using the mobile payment service as the employee application 200.
  • Mobile payment service is a service that allows you to purchase products or services online or offline through a mobile device. By registering a fixed card number on the mobile device, payment is made through a card registered with a mobile device without having a physical card. It is a service that can be performed.
  • mobile payment services include, but are not limited to, simple payment services such as Google Pay, Apple Pay, and Samsung Pay.
  • the virtual corporate card number is stored in the token server (hereinafter, referred to as the mobile payment service server) of a mobile payment service provider.
  • the mobile payment service server a virtual token matching the corresponding virtual corporate card number is stored in the mobile payment service application of the employee.
  • Employees can request payment using the virtual corporate card number by transmitting the virtual token to the payment terminal.
  • the virtual token stored in the mobile payment service application may include an identifier number (BIN).
  • the identifier number (BIN) is used by the mobile payment service server to identify whether the virtual token received from the employee's mobile payment service application is a virtual token corresponding to the employee's personal card or a virtual token corresponding to the virtual corporate card issued to the employee. do.
  • the mobile payment service server searches for a virtual corporate card number corresponding to the virtual corporate card number, and the payment server Send to 300.
  • FIG. 6 is a flowchart schematically showing a detailed process of a payment execution step according to an embodiment of the present invention.
  • the payment execution step (S800) includes the step of verifying the validity of the first virtual corporation card number (S810) and the step of searching for an actual card number (S830). I can.
  • step S810 the payment server 300 verifies the validity of the first virtual corporation card number obtained from the employee application 200.
  • the payment server 300 confirms whether the acquired virtual corporate card number is a virtual corporate card number generated by the manager application 100 and approves payment.
  • the payment server 300 stores the virtual corporate card number obtained from the employee application 200 in a storage area (corporate-specific storage area in the corporate card management module) connected to the CID searched for by the virtual corporate card number. Check if it matches the virtual corporate card number. As a result of the verification, if they match, the payment server 300 extracts the actual corporate card number stored in the corresponding CID and proceeds with payment.
  • a storage area corporate-specific storage area in the corporate card management module
  • FIG. 7 is a flowchart illustrating a method of providing a virtual corporate card-based financial transaction further including a step of registering a virtual corporate card number according to an embodiment of the present invention.
  • the method of providing a financial transaction based on a virtual corporate card may further include a virtual corporate card number registration step (S600).
  • step S600 the payment server 300 receives and registers a virtual corporate card number from the manager application 100 or the employee application 200.
  • the payment server 300 may only have a search algorithm and may not have a virtual corporate card number generation function. In this case, when the employee application 200 receives the virtual corporate card number generated from the manager application 100 and transmits it to the payment server 300, the payment server 300 receives the virtual corporate card number received using a search algorithm. Verify and register for use.
  • the payment server 300 and the manager application 100 may have the same virtual corporate card number generation function. That is, the payment server 300 stores and holds each virtual corporation card number generation function algorithm in the CID for each corporation.
  • the payment server 300 generates the same virtual corporate card number by receiving only the seed data (for example, time data, etc.) used for generating the virtual corporate card number without the need to acquire the generated virtual corporate card number itself.
  • the same virtual corporate card number can be created using a function.
  • the manager application 100 may transmit a virtual corporate card number to the payment server 300 as well as to the employee application 200. That is, the virtual corporate card number may be stored and managed in the payment server 300 itself as well as in a storage area connected to the UID assigned to the employee.
  • FIG. 8 is a flowchart schematically showing a detailed process of a virtual corporate card number registration step according to an embodiment of the present invention.
  • the virtual corporate card number registration step (S600) is a step of assigning a virtual corporate card number to the employee application line 200 and then performing registration through the employee application line 200.
  • Step S610 the payment server 300 is a step of searching for the UID given to the employee when registering in the employee application 200.
  • the contents of the algorithm for searching for UID are omitted because they are duplicated with the above.
  • step S630 the payment server 300 stores the virtual corporate card number received from the employee application 200 in a storage area connected to the searched UID.
  • Step S650 is a step of searching for a CID given to a corporation based on the virtual corporation card number received by the payment server 300.
  • step S670 the payment server 300 stores the received virtual corporation card number in a storage area connected to the searched CID.
  • the virtual corporation card number is stored and managed in a storage area connected to each of the UID assigned to the employee and the CID assigned to the corporation.
  • an individual virtual corporate card number usage condition in the storage area connected to the UID or CID, may be set by matching the virtual corporate card number received by the payment server 300, and the individual virtual corporate card number usage condition is valid. It may include period, usage, etc.
  • the manager application 100 may transmit the virtual corporate card number and the validity period matching the virtual corporate card number to the payment server 300.
  • the payment server 300 matches the received virtual corporate card number with an expiration date and stores and sets it.
  • the payment server 300 stores the virtual corporate card number in a storage area (storage area for each corporation) connected to the CID of a specific corporation in the corporate card management module, and the manager application 100 Transmit all or part of the virtual corporate card number registered as ), and the employee's identification information.
  • the manager application 100 transmits a valid period corresponding to the information received from the payment server 300 to the payment server 300.
  • the payment server 300 matches the received validity period with the target virtual corporate card number and stores and sets it.
  • the payment server 300 is valid through employee identification information when registering for use by employees. It can be saved and set by matching the period and the virtual corporate card number.
  • the virtual corporate card number may be automatically deactivated or deleted to prevent payment from proceeding.
  • the corporate card manager can conveniently manage the validity period of the corporate card without having to issue and collect the physical cards individually.
  • the payment server 300 may provide the manager with the corporate card usage details for each employee.
  • the payment server 300 stores and registers by matching the virtual corporate card number and employee identification information.
  • the payment server 300 may identify an employee who has requested payment based on employee identification information matching the corresponding virtual corporate card number. Accordingly, without the need for the manager of the corporation to receive and manage receipts from executives and employees individually, the payment server 300 may calculate and provide the usage details for each employee.
  • FIG. 9 is a flowchart illustrating a virtual corporate card number registration step further including a step (S640) of checking a corporate card group according to an embodiment of the present invention.
  • step S640 the payment server 300 checks whether the virtual corporate card number received from the employee application 200 corresponds to the corporate card group.
  • the "corporate card group” is a group of cards issued to corporations (corporate cards), not cards issued to individuals (individual cards). That is, to check the corporate card group is to check whether the target card is an individual card or a corporate card.
  • the payment server 300 checks whether the received virtual corporate card number corresponds to the corporate card group based on the identifier number (BIN) included in the received virtual corporate card number. That is, the virtual corporate card number corresponding to the corporate card group includes a specific identification number (BIN), and the payment server 300 maintains a group database including corporate information matching the identification number.
  • the identification number (BIN) extracted from the received virtual corporate card number is identified as the identification number (BIN) assigned to the corporate card group
  • the payment server 300 proceeds with a registration procedure for using the virtual corporate card number.
  • FIG. 10 is a flowchart illustrating a virtual corporate card number registration step further including the step of receiving and storing employee identification information according to an embodiment of the present invention.
  • the step of receiving employee identification information from the manager application (S680) and the step of matching and storing the employee identification information with the virtual corporation card number in the storage area connected to the CID (S690) Can include.
  • the payment server 300 can accurately calculate the payment amount of the corresponding corporation, and can check whether the payment of the corresponding corporation is normal.
  • the corporate card manager of a corporation can automatically receive the payment amount of each employee and manage payment details for each employee.
  • FIG. 11 is an exemplary view showing a state in which a search algorithm is driven according to an embodiment of the present invention.
  • the payment server 300 owns a search algorithm for searching for UID or CID.
  • Each search algorithm (UID search algorithm or CID search algorithm) for searching for UID or CID may be partially or entirely the same, or different search algorithms may be applied.
  • the first code and the second code are either the first corporate code and the second corporate code included in the virtual corporate card number, or the first personal code and the second individual code included in the virtual employee card number. It could be code. Specific examples of the first code and the second code described below may be equally applied to each case.
  • the code value (first code value) corresponding to the first code is a value obtained by adding the OTP code value from the count corresponding to the current time based on the virtual corporation card number generation function driving time. I can.
  • the first code value serves as a transit point in the search process.
  • the code value corresponding to the second code (the second code value) may be a value obtained by subtracting a code value corresponding to a UID or CID from the first code value.
  • the second code value is a count from the transit point (first code value) to the code value corresponding to the UID or CID.
  • an embodiment of the first code and the second code generated by the manager application 100 is as follows.
  • the OTP (One time password) code is a code generated by the OTP code generation function included in the detailed code generation function, and is generated differently every time. Therefore, since the detailed code is generated differently according to the generation time of the virtual code, it is possible to prevent duplicate generation and enhance security.
  • the code value corresponding to the first code is a value obtained by adding the UID value to the OTP code value
  • the code value corresponding to the second code may be an OTP code value
  • the payment server 300 passes the count on the track matching the first code value to the transit point, moves along the track in the direction set by the count corresponding to the second code value, and moves the UID or Searches the point matching the CID, and searches the storage area connected to the corresponding UID or CID.
  • RAM Random Access Memory
  • ROM Read Only Memory
  • EPROM Erasable Programmable ROM
  • EEPROM Electrically Erasable Programmable ROM
  • Flash Memory hard disk, removable disk, CD-ROM, or It may reside on any type of computer-readable recording medium well known in the art to which the present invention pertains.

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Abstract

Disclosed are a virtual corporate card-based financial transaction providing method, program and system. The virtual corporate card-based financial transaction providing method is carried out by a payment server and may comprise: a virtual corporate card number generation condition configuration step for configuring, in an administrator application, a condition for generating a virtual corporate card number, wherein the administrator application is installed in a user terminal of a corporate card manager and generates a virtual corporate card number used for retrieving an actual corporate card number; a first virtual corporate card number acquisition step for acquiring a first virtual corporate card number issued to a first employee by the administrator application, wherein the first virtual corporate card number is generated by the administrator application at the time point when the first employee requests a virtual corporate card number; and a payment step for carrying out a payment using an actual corporate card number retrieved on the basis of the first virtual corporate card number.

Description

가상법인카드 기반의 금융거래를 제공하는 방법, 프로그램 및 시스템Methods, programs and systems for providing financial transactions based on virtual corporate cards
본 발명은 가상법인카드 기반의 금융거래를 제공하는 방법, 프로그램 및 시스템에 관한 것이다.The present invention relates to a method, program, and system for providing a virtual corporate card-based financial transaction.
법인카드(corporate card)는 법인을 상대로 발급되는 카드로서, 법인이 사용하는 경비의 투명성을 높이고 세법에 규정된 카드 의무사용을 충당할 수 있는 카드이다.A corporate card is a card issued to a corporation, which increases the transparency of expenses used by the corporation and can cover the mandatory use of the card prescribed in the tax law.
일반적으로, 법인카드는 법인 내 관리자에 의하여 임직원별 또는 조직별로 관리되며, 카드발급사는 각각의 대상(임직원 또는 조직)에 대하여 카드번호가 부여된 카드를 발급한다.In general, corporate cards are managed for each employee or organization by a manager within a corporation, and a card issuer issues a card with a card number assigned to each target (employee or organization).
코드형태 데이터는 많은 영역에서 이용되고 있다. 결제 시에 이용되는 카드번호, 계좌번호뿐만 아니라 사용자 식별을 위한 IPIN번호, 주민등록번호 등이 코드형태 데이터이다.Code type data is used in many areas. The card number and account number used at the time of payment, as well as the IPIN number and resident registration number for user identification are code data.
그러나 이러한 코드데이터를 이용하는 과정에서 유출되는 사고가 많이 발생한다. 카드번호의 경우, 카드 표면에 실제카드번호가 그대로 기재되어 있어서 타인에게 시각적으로 유출되며, 마그네틱을 이용한 결제 시에 카드번호가 그대로 POS장치로 전달되면서 유출된다.However, there are many accidents that are leaked in the process of using such code data. In the case of the card number, the actual card number is written on the card surface as it is, so it is visually leaked to others. When paying using a magnetic, the card number is transferred to the POS device as it is and leaked out.
실제코드가 그대로 유출되지 않도록 하기 위해 가상코드를 이용하고자 하는 시도가 많았으나, 가상코드에 대응되는 실제코드를 탐색하기 위해 사용자를 식별하기 위한 데이터가 필요하였다. 예를 들어, OTP(one time password)의 경우, 시간마다 코드가 변경되어 생성되지만, 사용자에게 부여된 알고리즘 판단을 위해 로그인 절차가 필요하여 다양한 영역에 적용되기 어렵다.There have been many attempts to use the virtual code to prevent the real code from leaking as it is, but data for identifying the user was needed to search for the real code corresponding to the virtual code. For example, in the case of OTP (one time password), a code is changed every time and generated, but a login procedure is required to determine an algorithm assigned to a user, and thus it is difficult to be applied to various areas.
기존의 법인카드 관리 방식은 금융사로부터 실물 법인카드를 복수개 발급받고, 필요에 따라 실물 법인카드를 임직원에게 발급 및 회수하는 방식이 일반적이다.In the existing corporate card management method, a plurality of physical corporate cards are issued from a financial company, and a physical corporate card is issued and collected to executives and employees as needed.
본 발명이 해결하고자 하는 과제는 불필요한 실물 법인카드의 발급을 줄이고, 법인카드의 발급 및 관리를 실시간으로 편리하고 신속하게 관리할 수 있도록 하는 가상법인카드 기반의 금융거래를 제공하는 방법, 프로그램 및 시스템을 제공하는 것이다.The problem to be solved by the present invention is a method, program, and system for providing a financial transaction based on a virtual corporate card that reduces the issuance of unnecessary real corporate cards and allows convenient and quick management of corporate card issuance and management in real time. Is to provide.
또한, 본 발명이 해결하고자 하는 과제는 가상법인카드로 금융거래 수행 시, 실제법인카드번호가 외부로 노출되지 않도록 하고, 해당 가상법인카드번호의 유효성을 검증하여 결제를 수행할 수 있는 가상법인카드 기반의 금융거래를 제공하는 방법, 프로그램 및 시스템을 제공하는 것이다.In addition, the problem to be solved by the present invention is that when performing a financial transaction with a virtual corporate card, the actual corporate card number is not exposed to the outside, and a virtual corporate card that can perform payment by verifying the validity of the virtual corporate card number. It is to provide methods, programs, and systems that provide financial transactions based on.
또한, 본 발명이 해결하고자 하는 과제는 기존의 결제프로세스를 변경하지 않고 알고리즘만 추가하여 사용할 수 있는 가상법인카드 기반의 금융거래를 제공하는 방법, 프로그램 및 시스템을 제공하는 것이다.In addition, the problem to be solved by the present invention is to provide a method, program, and system for providing a financial transaction based on a virtual corporate card that can be used by adding only an algorithm without changing the existing payment process.
본 발명이 해결하고자 하는 과제들은 이상에서 언급된 과제로 제한되지 않으며, 언급되지 않은 또 다른 과제들은 아래의 기재로부터 통상의 기술자에게 명확하게 이해될 수 있을 것이다.The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems that are not mentioned will be clearly understood by those skilled in the art from the following description.
상술한 과제를 해결하기 위한 본 발명의 일 면에 따른 가상법인카드 기반의 금융거래를 제공하는 방법은 결제서버에 의해 수행되는, 관리자 어플리케이션에 가상법인카드번호 생성조건을 설정하되, 상기 관리자 어플리케이션은 법인카드 관리자의 사용자단말에 설치되는 것으로서, 실제법인카드번호를 탐색하는데 이용되는 가상법인카드번호를 생성하는 것인, 가상법인카드번호 생성조건 설정단계, 상기 관리자 어플리케이션에 의해 제1임직원에게 발급된 제1가상법인카드번호를 획득하되, 상기 제1가상법인카드번호는 상기 제1임직원이 가상법인카드번호를 요청한 시점에 상기 관리자 어플리케이션에 의해 생성된 것인, 제1가상법인카드번호 획득단계 및 상기 제1가상법인카드번호를 기반으로 탐색된 실제법인카드번호로 결제를 수행하는, 결제수행단계를 포함할 수 있다.A method of providing a financial transaction based on a virtual corporate card according to an aspect of the present invention for solving the above-described problem sets a virtual corporate card number generation condition in a manager application, which is performed by a payment server, and the manager application It is installed in the user terminal of the corporate card manager, which generates a virtual corporate card number used to search for the actual corporate card number, the step of setting a virtual corporate card number generation condition, issued to the first executive by the manager application Acquiring a first virtual corporation card number, wherein the first virtual corporation card number is generated by the manager application at the time the first executive and employee requests the virtual corporation card number, the first virtual corporation card number obtaining step and It may include a payment performing step of performing payment with the actual corporate card number searched based on the first virtual corporate card number.
또한, 상기 방법에서 상기 제1가상법인카드번호는 가상법인카드번호를 요청한 시점에 대응되는 시간데이터를 기반으로 생성되고, 다른 시점에 생성되는 가상법인카드번호와 중복되지 않는 것이다.Further, in the above method, the first virtual corporate card number is generated based on time data corresponding to a time point at which the virtual corporate card number is requested, and does not overlap with the virtual corporate card number generated at another time point.
또한, 상기 방법에서 상기 제1가상법인카드번호 획득단계는, 제1가상임직원카드번호에 의해 탐색된 저장영역에서 상기 제1가상법인카드번호를 추출하여 획득하는 것을 특징으로 하며, 상기 제1가상임직원카드번호는 임직원 어플리케이션에 사전 저장된 가상임직원카드번호생성함수에 의해 자체적으로 생성된 것으로서, 단위시간마다 변경되는 것이다.In addition, in the method, in the step of obtaining the first virtual corporation card number, the first virtual corporation card number is extracted and obtained from the storage area searched for by the first virtual employee card number. The employee card number is self-generated by the virtual employee card number generation function stored in the employee application, and is changed every unit time.
또한, 상기 방법에서 상기 제1가상법인카드번호 획득단계는, 제1공카드번호에 의해 탐색된 저장영역에서 상기 제1가상법인카드번호를 추출하여 획득하는 것을 특징으로 하며, 상기 제1공카드번호는, 상기 제1임직원이 임직원 어플리케이션에 등록한 공카드에 저장된 번호로서, 상기 제1가상법인카드번호가 저장된 저장영역에 연결된 것이며, 상기 공카드는 표면 상에 번호가 기재되지 않는 것이다.In addition, in the method, in the step of obtaining the first virtual corporation card number, the first virtual corporation card number is extracted and obtained from the storage area searched for by the first blank card number. The number is a number stored in a blank card registered in the employee application by the first executive and employee, and is connected to a storage area in which the first virtual corporation card number is stored, and the blank card has no number on its surface.
또한, 상기 방법에서 상기 제1가상법인카드번호 획득단계는, 상기 제1임직원이 상기 제1가상법인카드번호를 별도의 모바일 결제서비스에 등록하여 사용하는 경우, 상기 결제서버가, 상기 제1임직원이 상기 모바일 결제서비스를 이용하여 법인카드 결제를 이용 시, 모바일 결제서비스서버로부터 상기 제1가상법인카드번호에 포함된 식별자번호(BIN)를 기반으로 수신하는 것을 특징으로 한다.In addition, in the above method, in the step of obtaining the first virtual corporation card number, when the first employee registers and uses the first virtual corporation card number in a separate mobile payment service, the payment server When using the corporate card payment using the mobile payment service, it is characterized in that the mobile payment service server receives based on the identifier number (BIN) included in the first virtual corporate card number.
또한, 상기 방법에서 상기 결제수행단계는, 상기 제1가상법인카드번호가 관리자 어플리케이션에 의해 생성된 가상법인카드번호인지 확인하여 결제 승인하는 것을 특징으로 한다.In addition, in the method of performing the payment, the first virtual corporation card number is a virtual corporation card number generated by a manager application, and payment is approved.
또한, 상기 방법에서 상기 결제수행단계는, 상기 제1가상법인카드번호가 상기 제1가상법인카드번호에 의해 탐색된 저장영역에 저장되어 있는 가상법인카드번호와 일치하는지 확인하는 단계 및 상기 제1가상법인카드번호를 기반으로 실제법인카드번호를 탐색하는 단계를 포함할 수 있다.In addition, in the method, in the payment performing step, checking whether the first virtual corporation card number matches the virtual corporation card number stored in the storage area searched for by the first virtual corporation card number, and the first It may include the step of searching for an actual corporate card number based on the virtual corporate card number.
또한, 상기 방법에서 상기 제1가상법인카드번호는, 실제법인카드번호를 탐색하는데 이용되는 복수의 세부코드를 포함하고, 상기 복수의 세부코드는 실제법인카드번호 탐색을 위한 상관관계를 가지고 있고, 상기 실제법인카드번호는 상기 복수의 세부코드 중 하나 이상의 세부코드와 대응하는 경유지점을 경유하여, 상기 경유지점으로부터 상기 상관관계를 기반으로 연산하여 탐색된다.In addition, in the above method, the first virtual corporate card number includes a plurality of detailed codes used to search for an actual corporate card number, and the plurality of detailed codes have a correlation for searching for an actual corporate card number, The actual corporate card number is searched by calculating based on the correlation from the transit point through a transit point corresponding to at least one detailed code of the plurality of detailed codes.
또한, 상기 방법은 임직원 어플리케이션 또는 관리자 어플리케이션으로부터 상기 제1가상법인카드번호를 수신하여 사용 등록하되, 상기 임직원 어플리케이션은 상기 관리자 어플리케이션으로부터 생성된 상기 제1가상법인카드번호를 제공받은 임직원의 어플리케이션인, 제1가상법인카드번호 등록단계를 더 포함할 수 있다.In addition, the method includes receiving and registering the first virtual corporation card number from an employee application or a manager application, but the employee application is an application of an employee who has been provided with the first virtual corporation card number generated from the manager application, A first virtual corporation card number registration step may be further included.
또한, 상기 방법에서 상기 제1가상법인카드번호 등록단계는, 상기 임직원 어플리케이션으로부터 가상법인카드번호를 수신하는 경우, 상기 임직원 어플리케이션에 등록 시 부여되는 UID(User identification)를 탐색하는 단계, 상기 UID에 연결된 저장영역에 수신한 가상법인카드번호를 저장하는 단계, 상기 수신한 가상법인카드번호를 기반으로 CID(Company identification)를 탐색하는 단계 및 상기 CID에 연결된 저장영역에 상기 수신한 가상법인카드번호를 저장하는 단계를 포함할 수 있다.In addition, in the method, in the step of registering the first virtual corporation card number, when receiving the virtual corporation card number from the employee application, searching for a user identification (UID) given when registering in the employee application, the UID Storing the received virtual corporate card number in a connected storage area, searching for a CID (Company identification) based on the received virtual corporate card number, and storing the received virtual corporate card number in a storage area connected to the CID. It may include the step of storing.
또한, 상기 방법에서 상기 CID에 연결된 저장영역에는 상기 수신한 가상법인카드번호와 매칭하여 상기 가상법인카드번호 생성조건이 저장되고, 상기 가상법인카드번호 생성조건은 유효기간 또는 사용한도를 포함할 수 있다.In addition, in the above method, in the storage area connected to the CID, the virtual corporate card number generation condition is stored in matching with the received virtual corporate card number, and the virtual corporate card number generation condition may include an expiration date or limit. have.
또한, 상기 방법에서 상기 유효기간 만료 시, 상기 CID에 연결된 저장영역에 저장된 상기 가상법인카드번호는 비활성화 또는 삭제될 수 있다.Further, in the above method, when the expiration date expires, the virtual corporate card number stored in the storage area connected to the CID may be deactivated or deleted.
또한, 상기 방법에서 상기 수신한 가상법인카드번호에 포함된 식별자번호(BIN)를 기반으로 상기 수신한 가상법인카드번호가 법인카드 그룹에 해당하는지 확인하는 단계를 더 포함할 수 있다.In addition, the method may further include checking whether the received virtual corporate card number corresponds to a corporate card group based on an identifier number (BIN) included in the received virtual corporate card number.
또한, 상기 방법에서 상기 제1가상법인카드번호 등록단계는, 상기 관리자 어플리케이션으로부터 임직원식별정보를 수신하는 단계 및 상기 CID에 연결된 저장영역에 상기 임직원식별정보를 상기 가상법인카드번호와 매칭하여 저장하는 단계를 더 포함할 수 있다.In addition, in the method, in the step of registering the first virtual corporation card number, receiving employee identification information from the manager application and matching and storing the employee identification information with the virtual corporation card number in a storage area connected to the CID It may further include steps.
상술한 과제를 해결하기 위한 본 발명의 다른 면에 따른 가상법인카드를 기반으로 금융거래를 제공하는 프로그램은 하드웨어인 컴퓨터와 결합되어, 상기 가상법인카드를 기반으로 금융거래를 제공하는 방법을 실행시키기 위하여 매체에 저장될 수 있다.A program for providing financial transactions based on a virtual corporate card according to another aspect of the present invention for solving the above-described problems is combined with a computer that is hardware to execute a method of providing financial transactions based on the virtual corporate card. It can be stored on a medium.
상술한 과제를 해결하기 위한 본 발명의 또 다른 면에 따른 가상법인카드 기반의 금융거래를 제공하는 시스템은 관리자 어플리케이션에 가상법인카드번호 생성조건을 설정하되, 상기 관리자 어플리케이션은 법인카드 관리자의 사용자단말에 설치되는 것으로서, 실제법인카드번호를 탐색하는데 이용되는 가상법인카드번호를 생성하는, 가상법인카드번호 생성조건 설정부, 상기 관리자 어플리케이션에 의해 제1임직원에게 발급된 제1가상법인카드번호를 획득하되, 상기 제1가상법인카드번호는 상기 제1임직원이 가상법인카드번호를 요청한 시점에 상기 관리자 어플리케이션에 의해 생성된 것인, 제1가상법인카드번호 획득부 및 상기 제1가상법인카드번호를 기반으로 탐색된 실제법인카드번호로 결제를 수행하는, 결제수행부를 포함할 수 있다.The system for providing a financial transaction based on a virtual corporate card according to another aspect of the present invention for solving the above-described problem sets a virtual corporate card number generation condition in the manager application, but the manager application is the user terminal of the corporate card manager. As installed in, a virtual corporate card number generation condition setting unit that generates a virtual corporate card number used to search for an actual corporate card number, obtains the first virtual corporate card number issued to the first employee by the manager application However, the first virtual corporation card number is generated by the manager application at the time the first executive and employee requests the virtual corporation card number, the first virtual corporation card number acquisition unit and the first virtual corporation card number. It may include a payment execution unit that performs payment with the actual corporate card number searched based on the search.
또한, 상기 시스템에서 임직원 어플리케이션에 등록 시 부여되는 UID를 탐색하는, UID탐색부, 상기 제1가상법인카드번호를 기반으로 CID를 탐색하는, CID탐색부 및 상기 제1가상법인카드번호를 기반으로 실제법인카드번호를 탐색하는, 실제법인카드번호탐색부를 더 포함할 수 있다.In addition, based on a UID search unit, a CID search unit, and the first virtual corporation card number, searching for a CID based on the first virtual corporation card number, searching for a UID given when registering in the employee application in the system. It may further include a real corporate card number search unit to search for the actual corporate card number.
본 발명의 기타 구체적인 사항들은 상세한 설명 및 도면들에 포함되어 있다.Other specific details of the present invention are included in the detailed description and drawings.
상기 본 발명에 의하면, 임직원 각각에게 실제법인카드번호를 발급할 필요없이 하나의 실제법인카드번호와 매칭되는 복수의 가상법인카드번호를 법인 자체적으로 발급할 수 있게 되어, 임직원에게 법인카드를 발급하는 절차를 간소화할 수 있고, 실물카드 발급 관련 비용을 절약할 수 있다.According to the present invention, it is possible to issue a plurality of virtual corporate card numbers that match one actual corporate card number without the need to issue an actual corporate card number to each of the executives and employees. The procedure can be simplified and the cost associated with issuing physical cards can be saved.
또한, 상기 본 발명에 의하면, 관리자는 관리자 어플리케이션을 통해 법인카드를 실시간으로 발급, 사용권한(예를 들어, 사용기간, 사용한도 등) 설정 등을 할 수 있게되어 편리하고 신속하게 법인카드를 관리할 수 있다.In addition, according to the present invention, the administrator can conveniently and quickly manage the corporate card by issuing the corporate card in real time through the manager application and setting the usage rights (eg, usage period, usage limit, etc.). can do.
또한, 본 발명에 의하면, 임직원이 본인이 사용하기에 편한 결제수단(일반 플라스틱 카드와 같은 오프라인 결제수단, 일회용 가상카드번호 기반의 온/오프라인 결제 수단, 구글페이 등과 같은 기존의 간편결제수단)을 선택하여 법인카드 결제를 수행할 수 있다. In addition, according to the present invention, a payment method that is convenient for the employee to use (offline payment method such as a general plastic card, on/offline payment method based on a disposable virtual card number, existing simple payment method such as Google Pay, etc.) You can choose to make a corporate card payment.
또한, 본 발명에 의하면, 임직원에 의해 선택된 결제수단을 이용할 때, 관리자로부터 임직원에게 제공된 가상법인카드번호가 직접 외부로 노출되지 않음에 따라, 가상법인카드번호 유출에 의해 무카드거래 사기가 발생하는 것도 방지할 수 있다.In addition, according to the present invention, when using the payment method selected by the employee, the virtual corporate card number provided to the employee from the manager is not directly exposed to the outside, so that a cardless transaction fraud occurs due to the outflow of the virtual corporate card number. It can also be prevented.
또한, 상기 본 발명에 의하면, 가상코드 생성 및 결제용코드 저장공간 탐색을 위한 알고리즘이 추가되면 되므로, 기존의 프로세스를 그대로 유지할 수 있다. 예를 들어, 금융거래 서비스를 제공하는 애플리케이션에서 중복생성되지 않는 가상코드를 생성하여 제공하는 경우, POS장치와 PG사서버는 그대로 유지되어 가상코드를 결제서버로 전달하고, 결제서버가 가상코드에 상응하는 결제용코드의 저장영역을 탐색하여 결제를 진행할 수 있다. 이를 통해, 보안성을 높이기 위해 기존프로세스 내에서 변경되어야 하는 부분을 최소화할 수 있고, 사용자는 보안성 향상을 위한 별도 단계를 수행하지 않아도 된다.In addition, according to the present invention, since an algorithm for generating a virtual code and searching for a storage space for a payment code needs to be added, the existing process can be maintained as it is. For example, in the case of generating and providing a virtual code that is not duplicated in an application that provides financial transaction services, the POS device and the PG company server are maintained as they are, and the virtual code is transmitted to the payment server, and the payment server corresponds to the virtual code. Payment can be made by searching the storage area of the payment code. Through this, it is possible to minimize the part that needs to be changed in the existing process in order to increase security, and the user does not have to perform a separate step for improving security.
본 발명의 효과들은 이상에서 언급된 효과로 제한되지 않으며, 언급되지 않은 또 다른 효과들은 아래의 기재로부터 통상의 기술자에게 명확하게 이해될 수 있을 것이다.The effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.
도 1은 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 시스템의 블록도이다.1 is a block diagram of a system for providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
도 2는 본 발명의 일 실시예에 따른 결제서버의 구성도이다.2 is a block diagram of a payment server according to an embodiment of the present invention.
도 3은 본 발명의 일 실시예에 따른 탐색부의 세부 구성이 포함된 결제서버의 구성도이다.3 is a block diagram of a payment server including a detailed configuration of a search unit according to an embodiment of the present invention.
도 4는 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 방법을 개략적으로 나타내는 흐름도이다.4 is a flowchart schematically illustrating a method of providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
도 5는 본 발명의 일 실시예에 따른 결제서버가 가상법인카드번호를 획득하는 단계에 대하여 결제수단에 따른 예들을 나타내는 예시도이다.5 is an exemplary view showing examples according to a payment method for a step of obtaining a virtual corporate card number by a payment server according to an embodiment of the present invention.
도 6은 본 발명의 일 실시예에 따른 결제수행단계의 세부 과정을 개략적으로 나타내는 흐름도이다.6 is a flowchart schematically showing a detailed process of a payment execution step according to an embodiment of the present invention.
도 7은 본 발명의 일 실시예에 따른 가상법인카드번호 등록단계가 더 포함된 가상법인카드 기반의 금융거래를 제공하는 방법을 나타내는 흐름도이다.7 is a flowchart illustrating a method of providing a virtual corporate card-based financial transaction further including a step of registering a virtual corporate card number according to an embodiment of the present invention.
도 8은 본 발명의 일 실시예에 따른 가상법인카드번호 등록단계의 세부 과정을 개략적으로 나타내는 흐름도이다.8 is a flowchart schematically showing a detailed process of a virtual corporate card number registration step according to an embodiment of the present invention.
도 9는 본 발명의 일 실시예에 따른 법인카드 그룹을 확인하는 단계가 더 포함된 가상법인카드번호 등록단계를 나타내는 흐름도이다.9 is a flowchart showing a virtual corporate card number registration step further including the step of confirming a corporate card group according to an embodiment of the present invention.
도 10은 본 발명의 일 실시예에 따른 임직원식별정보를 수신 및 저장하는 단계가 더 포함된 가상법인카드번호 등록단계를 나타내는 흐름도이다.10 is a flowchart illustrating a virtual corporate card number registration step further including the step of receiving and storing employee identification information according to an embodiment of the present invention.
도 11은 본 발명의 일 실시예에 따른 탐색알고리즘이 구동되는 모습을 나타내는 예시도이다.11 is an exemplary view showing a state in which a search algorithm is driven according to an embodiment of the present invention.
본 발명의 이점 및 특징, 그리고 그것들을 달성하는 방법은 첨부되는 도면과 함께 상세하게 후술되어 있는 실시예들을 참조하면 명확해질 것이다. 그러나, 본 발명은 이하에서 개시되는 실시예들에 제한되는 것이 아니라 서로 다른 다양한 형태로 구현될 수 있으며, 단지 본 실시예들은 본 발명의 개시가 완전하도록 하고, 본 발명이 속하는 기술 분야의 통상의 기술자에게 본 발명의 범주를 완전하게 알려주기 위해 제공되는 것이며, 본 발명은 청구항의 범주에 의해 정의될 뿐이다. Advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in a variety of different forms, only the present embodiments are intended to complete the disclosure of the present invention, It is provided to fully inform the technician of the scope of the present invention, and the present invention is only defined by the scope of the claims.
본 명세서에서 사용된 용어는 실시예들을 설명하기 위한 것이며 본 발명을 제한하고자 하는 것은 아니다. 본 명세서에서, 단수형은 문구에서 특별히 언급하지 않는 한 복수형도 포함한다. 명세서에서 사용되는 "포함한다(comprises)" 및/또는 "포함하는(comprising)"은 언급된 구성요소 외에 하나 이상의 다른 구성요소의 존재 또는 추가를 배제하지 않는다. 명세서 전체에 걸쳐 동일한 도면 부호는 동일한 구성 요소를 지칭하며, "및/또는"은 언급된 구성요소들의 각각 및 하나 이상의 모든 조합을 포함한다. 비록 "제1", "제2" 등이 다양한 구성요소들을 서술하기 위해서 사용되나, 이들 구성요소들은 이들 용어에 의해 제한되지 않음은 물론이다. 이들 용어들은 단지 하나의 구성요소를 다른 구성요소와 구별하기 위하여 사용하는 것이다. 따라서, 이하에서 언급되는 제1 구성요소는 본 발명의 기술적 사상 내에서 제2 구성요소일 수도 있음은 물론이다.The terms used in the present specification are for describing exemplary embodiments and are not intended to limit the present invention. In this specification, the singular form also includes the plural form unless otherwise specified in the phrase. As used in the specification, “comprises” and/or “comprising” do not exclude the presence or addition of one or more other elements other than the mentioned elements. Throughout the specification, the same reference numerals refer to the same elements, and "and/or" includes each and all combinations of one or more of the mentioned elements. Although "first", "second", and the like are used to describe various elements, it goes without saying that these elements are not limited by these terms. These terms are only used to distinguish one component from another component. Therefore, it goes without saying that the first component mentioned below may be the second component within the technical idea of the present invention.
다른 정의가 없다면, 본 명세서에서 사용되는 모든 용어(기술 및 과학적 용어를 포함)는 본 발명이 속하는 기술분야의 통상의 기술자에게 공통적으로 이해될 수 있는 의미로 사용될 수 있을 것이다. 또한, 일반적으로 사용되는 사전에 정의되어 있는 용어들은 명백하게 특별히 정의되어 있지 않는 한 이상적으로 또는 과도하게 해석되지 않는다.Unless otherwise defined, all terms (including technical and scientific terms) used in the present specification may be used as meanings that can be commonly understood by those of ordinary skill in the art to which the present invention belongs. In addition, terms defined in a commonly used dictionary are not interpreted ideally or excessively unless explicitly defined specifically.
본 명세서에서 "법인카드(corporate card)"는 법인 등의 조직의 비용을 처리하기 위한 카드를 의미한다. 즉, "법인카드"는 금융사에서 법인에 발급하는 카드뿐만 아니라, 정유회사 등에서 법인에 발급하여 결제 시 사용하도록 하는 카드를 포함한다. 또한, 법인카드로 지칭하지만 법인카드의 주체는 법인으로 한정되는 것은 아니고 복수의 구성원으로 구성된 임의의 조직을 포함한다.In this specification, "corporate card" refers to a card for processing expenses of an organization such as a corporation. That is, the "corporate card" includes not only a card issued by a financial company to a corporation, but also a card issued by an oil refinery to a corporation and used for payment. In addition, although it is referred to as a corporate card, the subject of the corporate card is not limited to a corporation, and includes any organization composed of a plurality of members.
본 명세서에서 "문자"는 코드를 구성하는 구성요소로서, 대문자알파벳, 소문자알파벳, 숫자 및 특수문자 등의 전부 또는 일부를 포함한다.In the present specification, "character" is an element constituting a code, and includes all or part of an uppercase alphabet, a lowercase alphabet, numbers, and special characters.
본 명세서에서 "코드"는 문자가 나열된 문자열을 의미한다.In this specification, "code" means a character string in which characters are listed.
본 명세서에서 "UID(user identification)"는 사용자를 식별하기 위해 사용자별로 중복되지 않게 부여되는 고유한 코드 형태의 값을 의미한다.In the present specification, “user identification (UID)” refers to a value in the form of a unique code that is not duplicated for each user to identify a user.
본 명세서에서 "CID(company identification)"는 법인 등의 조직을 식별하기 위해 조직별로 중복되지 않게 부여되는 고유한 코드 형태의 값을 의미한다.In the present specification, "CID (company identification)" refers to a value in the form of a unique code that is not duplicated for each organization to identify an organization such as a corporation.
본 명세서에서 "실제법인카드번호"는 금융사 또는 카드사에서 발급한 실제법인카드에 부여하는 번호로서, 일반적인 실물카드, 모바일카드 등에 부여되는 법인용 실제카드번호를 의미한다.In this specification, the "actual corporate card number" is a number assigned to an actual corporate card issued by a financial company or a credit card company, and means a corporate actual card number assigned to a general physical card or mobile card.
본 명세서에서 "가상법인카드번호"는 실제법인카드번호를 탐색하거나, CID를 탐색하는데 이용되는 법인용 가상카드번호를 의미한다.In this specification, the "virtual corporate card number" refers to a corporate virtual card number used to search for an actual corporate card number or to search for a CID.
본 명세서에서 "사용자단말"은 어플리케이션을 구동할 수 있는 어플리케이션 프로세서(application processor, AP)를 구비한 임의의 전자기기이다. 사용자단말은 휴대가 불가능한 데스크탑(desktop) 컴퓨터 또는 휴대가 가능한 모바일 기기(예를 들어, 스마트폰(smart phone), 태블릿 PC, PDA(personal digital assistant), EDA(enterprise digital assistant), PMP(portable multimedia player), PND(personal navigation device), 웨어러블 디바이스(wearable device) 등)를 포함하며 이에 한정되는 것은 아니다.In the present specification, a "user terminal" is an arbitrary electronic device including an application processor (AP) capable of driving an application. The user terminal is a non-portable desktop computer or portable mobile device (e.g., a smart phone, a tablet PC, a personal digital assistant (PDA), an enterprise digital assistant (EDA), a portable multimedia assistant (PMP)). player), a personal navigation device (PND), a wearable device, etc.), but is not limited thereto.
본 명세서에서 "웨어러블 디바이스(wearable device)"는 몸에 부착 또는 착용하여 사용하거나 소지할 수 있는 기기를 의미한다. 구체적인 예로, 공카드, 스마트 워치(Smart watch), 시계, 팔찌, 발찌, 반지, 목걸이, 안경, 신발, 의류 등 다양한 형태로 구성될 수 있으나, 이에 한정되는 것은 아니고 몸에 부착하거나 착용할 수 있는 임의의 형태를 포함한다.In the present specification, "wearable device" refers to a device that can be used or held by being attached to or worn on a body. As a specific example, a blank card, a smart watch, a watch, a bracelet, an anklet, a ring, a necklace, glasses, shoes, clothing, etc. may be configured in various forms, but is not limited thereto and can be attached or worn on the body. Includes any form.
본 명세서에서 "공카드"는 사용자의 실제카드와 구별되는 별도의 카드로서 특정한 금융사 또는 결제업체와 연결되어 있지 않은 상태의 카드를 의미한다. 한편, 공카드에는 별도의 공카드번호 또는 식별번호(예를 들어, 시리얼번호)가 부여될 수 있다.In the present specification, "blank card" refers to a card that is separate from a user's actual card and is not connected to a specific financial company or payment company. Meanwhile, a separate blank card number or identification number (eg, serial number) may be assigned to the blank card.
본 명세서에서 "가상법인카드번호 생성조건"은 결제서버에 의해 각 관리자 어플리케이션에 설정된 해당 법인의 가상법인카드번호를 생성하는 조건을 의미한다. 예를 들어, 가상법인카드번호 생성조건은 가상법인카드번호 생성알고리즘의 형태로 관리자 어플리케이션에 부여될 수 있다.In this specification, the "virtual corporation card number generation condition" means a condition for generating a virtual corporation card number of a corresponding corporation set in each manager application by the payment server. For example, the virtual corporate card number generation condition may be given to the manager application in the form of a virtual corporate card number generation algorithm.
본 명세서에서 "개별 가상법인카드번호 사용조건"은 임직원에게 발급된 가상법인카드번호의 사용을 제한하는 조건을 의미한다. 예를 들어, 개별 가상법인카드번호 사용조건은 유효기간, 사용한도, 사용 대상 가맹점 등에 대한 정보를 포함할 수 있으며 이에 한정되는 것은 아니다.In this specification, the "individual virtual corporate card number usage condition" means a condition that restricts the use of the virtual corporate card number issued to executives and employees. For example, the conditions for using an individual virtual corporate card number may include information on an expiration date, usage limit, and target affiliate store, but is not limited thereto.
이하, 첨부된 도면을 참조하여 본 발명의 실시예를 상세하게 설명한다. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 시스템(1000)의 블록도이다.1 is a block diagram of a system 1000 for providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
도 1을 참조하면, 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 시스템(1000)은 관리자 어플리케이션(100), 임직원 어플리케이션(200) 및 결제서버(300)를 포함할 수 있다.Referring to FIG. 1, a system 1000 for providing financial transactions based on a virtual corporate card according to an embodiment of the present invention may include a manager application 100, an employee application 200, and a payment server 300. have.
관리자 어플리케이션(100)은 금융사에서 법인카드 발급 시에 법인카드 관리자에게 제공되는 어플리케이션이다. 관리자 어플리케이션(100)은 금융사에 법인카드 발급요청 시 결제서버(300)에 의해 법인카드 관리자에게 활성화될 수 있다.The manager application 100 is an application provided to a corporate card manager when a corporate card is issued by a financial company. The manager application 100 may be activated to the corporate card manager by the payment server 300 when requesting issuance of a corporate card to a financial company.
관리자 어플리케이션(100)은 가상법인카드번호를 생성하여 임직원 어플리케이션(200)으로 제공함으로써 임직원을 대상으로 가상법인카드를 자체적으로 발급 및 관리할 수 있다. 이때, 관리자 어플리케이션(100)은 가상법인카드번호를 생성하여, 임직원 어플리케이션(200)으로 직접 전송하거나, 사내 시스템을 통해 임직원 어플리케이션(200)으로 제공할 수 있다.The manager application 100 generates a virtual corporate card number and provides it to the employee application 200 so that the virtual corporate card can be issued and managed by itself for employees. At this time, the manager application 100 may generate a virtual corporate card number and transmit it directly to the employee application 200 or provide it to the employee application 200 through an in-house system.
또한, 관리자 어플리케이션(100)은 발급된 가상법인카드에 대하여 개별 가상법인카드 사용조건(예를 들어, 법인카드의 유효기간, 사용한도 등)을 설정할 수 있다.In addition, the manager application 100 may set individual virtual corporate card usage conditions (eg, the validity period and usage limit of the corporate card) for the issued virtual corporate card.
관리자 어플리케이션(100)은 가상법인카드번호를 생성하는데 이용되는 함수인 가상법인카드번호생성함수를 포함할 수 있다. 이 경우, 관리자 어플리케이션(100)은 결제서버(300) 등의 외부와 통신없이 사전 저장된 가상법인카드번호생성함수에 의해 가상법인카드번호를 생성한다. 즉, 관리자 어플리케이션(100)은 가상법인카드번호를 생성하는 과정에서 외부로부터 별도의 시드데이터(seed data)를 수신하지 않으므로 보안성이 강화되고, 외부와 통신이 제한된 상항에서도 결제를 이용할 수 있는 효과가 있다.The manager application 100 may include a virtual corporation card number generation function, which is a function used to generate a virtual corporation card number. In this case, the manager application 100 generates a virtual corporate card number using a pre-stored virtual corporate card number generation function without communication with the outside such as the payment server 300. That is, since the manager application 100 does not receive separate seed data from the outside in the process of generating the virtual corporate card number, security is enhanced, and the effect that payment can be used even when communication with the outside is restricted. There is.
한편, 가상법인카드번호는 다른 가상법인카드번호와 중복되지 않도록 생성된다. 구체적인 예로, 가상법인카드번호는 가상카드번호를 요청한 시점에 대응되는 시간데이터(예를 들어, 설치시점 또는 등록시점으로부터 경과된 시간길이)를 기반으로 생성될 수 있다. 따라서 관리자 어플리케이션(100)은 생섬시점에 따라 상이한 가상법인카드번호를 생성할 수 있으며, 특정 시점에 생성된 가상법인카드번호는 다른 시점에 생성되는 가상법인카드번호와 중복되지 않는다.Meanwhile, the virtual corporate card number is generated so as not to overlap with other virtual corporate card numbers. As a specific example, the virtual corporate card number may be generated based on time data corresponding to the time when the virtual card number is requested (eg, the time of installation or the length of time elapsed from the time of registration). Accordingly, the manager application 100 may generate different virtual corporate card numbers according to the time of creation, and the virtual corporate card number generated at a specific time does not overlap with the virtual corporate card number generated at another time.
일 실시예로, 가상법인카드번호생성함수는 세부코드생성함수 및 세부코드결합함수를 포함할 수 있다. 즉, 가상법인카드번호는 복수의 세부코드를 조합하여 생성될 수 있다.In one embodiment, the virtual corporation card number generation function may include a detailed code generation function and a detailed code combining function. That is, the virtual corporate card number may be generated by combining a plurality of detailed codes.
세부코드생성함수는 결제서버(300)에서 UID 또는 CID를 탐색할 때 이용되는 복수의 세부코드를 생성하는 역할을 한다. 또한, 세부코드결합함수는 세부코드생성함수에 의해 생성된 복수의 세부코드를 특정한 결합 규칙을 기반으로 조합하여 가상법인카드번호를 생성하는 역할을 한다.The detailed code generation function is the UID in the payment server 300 Alternatively, it plays a role of generating a plurality of detailed codes used when searching for CIDs. In addition, the detailed code combination function generates a virtual corporate card number by combining a plurality of detailed codes generated by the detailed code generation function based on a specific combination rule.
임직원 어플리케이션(200)은 관리자 어플리케이션(100)으로부터 가상법인카드를 발급받아서 사용등록하고, 등록된 가상법인카드를 기반으로 다양한 결제 수단을 이용하여 금융거래를 처리하는 역할을 수행한다.The employee application 200 receives a virtual corporate card from the manager application 100, registers it for use, and processes financial transactions using various payment methods based on the registered virtual corporate card.
일 실시예로, 임직원 어플리케이션(200)은 임직원 인증 절차를 거쳐 활성화될 수 있다. 즉, 임직원이 사용자단말에 임직원 어플리케이션(200)을 설치하고, 해당 법인의 임직원임을 인증하여 임직원 어플리케이션(200)을 활성화할 수 있다. 이때, 임직원 인증 절차에는 관리자 어플리케이션(100)의 승인절차가 포함될 수 있다.In one embodiment, the employee application 200 may be activated through an employee authentication procedure. That is, the employee installs the employee application 200 on the user terminal, and authenticates that the employee is an employee of a corresponding corporation, thereby activating the employee application 200. At this time, the employee authentication procedure may include an approval procedure of the manager application 100.
또한, 다른 실시예로, 임직원은 임직원 어플리케이션(200)을 통해 법인카드 관리자에게 가상법인카드번호 발급을 신청할 수 있다. 즉, 임직원 어플리케이션(200)은 관리자 어플리케이션(100)으로 가상법인카드번호 발급을 요청하거나, 사내 시스템을 통해 가상법인카드번호 발급을 요청할 수 있다.In addition, in another embodiment, the employee may apply for issuance of a virtual corporate card number to the corporate card manager through the employee application 200. That is, the employee application 200 may request issuance of a virtual corporate card number through the manager application 100 or may request issuance of a virtual corporate card number through an in-house system.
임직원 어플리케이션(200)은 관리자 어플리케이션(100)으로부터 관리자 어플리케이션(100)에 의해 생성된 가상법인카드번호를 수신한다. 임직원 어플리케이션(200)이 수신한 가상법인카드번호를 결제서버(300)로 전송하면, 결제서버(300)에서 수신한 가상법인카드번호를 검증하고, 임직원에게 부여된 UID(user identification)에 연결된 저장영역에 저장함으로써 가상법인카드를 사용등록한다. 이때, UID는 임직원이 관리자 어플리케이션(200) 설치 시, 관리자 어플리케이션(200)에 사용자 등록 시 또는 임직원 인증 시 부여되어, 임직원을 식별할 수 있는 고유한 코드 형태의 값이다.The employee application 200 receives a virtual corporation card number generated by the manager application 100 from the manager application 100. When the virtual corporate card number received by the employee application 200 is transmitted to the payment server 300, the virtual corporate card number received from the payment server 300 is verified and stored connected to the UID (user identification) assigned to the employee. By storing in the realm, the virtual corporation card is used and registered. At this time, the UID is given when an employee installs the manager application 200, registers a user in the manager application 200, or authenticates an employee, and is a value in the form of a unique code that can identify the employee.
한편, 임직원 어플리케이션(200)을 통해 사용등록되는 카드번호는 실제법인카드번호가 아닌 가상법인카드번호이다. 이를 통해 보안성을 강화할 수 있고, 불필요한 실제법인카드번호 발급을 줄일 수 있게 되어 카드발급 비용이 절감되는 효과가 있다. 임직원 어플리케이션(200)의 가상법인카드의 등록 프로세스 및 사용 프로세스에 대한 상세한 내용은 후술한다.On the other hand, the card number registered to be used through the employee application 200 is a virtual corporate card number, not an actual corporate card number. Through this, security can be strengthened, and unnecessary issuance of actual corporate card numbers can be reduced, thereby reducing card issuance costs. Details of the registration process and use process of the virtual corporate card of the employee application 200 will be described later.
일 실시예로, 임직원 어플리케이션(200)은 법인전용 어플리케이션일 수 있다. 법인전용 어플리케이션은 결제서버(300)가 제공하는 어플리케이션으로서, 법인카드를 이용하여 금융거래를 수행할 수 있는 어플리케이션이다. 임직원은 결제서버(300)로부터 제공받은 법인전용 어플리케이션에 사용자 등록을 함으로써 UID를 부여받고, 해당 UID에 연결된 저장영역에 임직원에게 발급된 가상법인카드번호를 등록하여 사용할 수 있다.In one embodiment, the employee application 200 may be a corporate-only application. The corporate-dedicated application is an application provided by the payment server 300 and is an application capable of performing financial transactions using a corporate card. The employee is given a UID by registering a user in the corporate application provided from the payment server 300, and can register and use a virtual corporate card number issued to the employee in a storage area connected to the UID.
한편, 법인전용 어플리케이션은 법인카드만 등록할 수 있는 것으로 한정되지 않고, 임직원의 개인카드를 추가로 등록하여 사용하는 것도 가능하다. 즉, 임직원은 하나의 어플리케이션에 법인카드 및 개인카드를 포함하는 복수의 카드를 등록하고, 필요에 따라 카드를 선택하여 사용할 수 있다.On the other hand, corporate-only applications are not limited to those that can register only corporate cards, and it is also possible to additionally register and use individual cards of employees. That is, an employee can register a plurality of cards including a corporate card and an individual card in one application, and select and use a card as necessary.
다른 실시예로, 임직원 어플리케이션(200)은 개인용 카드결제 어플리케이션일 수 있다. 즉, 임직원은 기존에 사용 중이던 개인용 카드결제 어플리케이션이 있는 경우, 해당 어플리케이션에 발급받은 법인카드를 추가로 등록하여 사용할 수 있다. 예를 들어, 임직원이 개인 신용카드, 체크카드(Debit card)를 안전하게 사용하기 위해, 고정된 카드번호를 등록하여 사용하는 변동형 가상카드번호 어플리케이션이 있는 경우, 임직원은 소속된 법인의 임직원임을 변동형 가상카드번호 어플리케이션에서 인증한 후, 발급받은 가상법인카드번호를 사용 등록할 수 있다.In another embodiment, the employee application 200 may be a personal card payment application. That is, if there is a personal card payment application that has been used in the past, the employee can additionally register and use the corporate card issued to the application. For example, if there is a variable virtual card number application that registers and uses a fixed card number in order for employees to safely use their personal credit card and debit card, the employee is changed as an employee of the affiliated corporation. After authentication in the type virtual card number application, the issued virtual corporate card number can be used and registered.
관리자 어플리케이션(100)과 임직원 어플리케이션(200)은 각각 관리자의 사용자단말과 임직원의 사용자단말에 설치되거나 내장(Embedded)된 형태로 제공될 수 있다.The manager application 100 and the employee application 200 may be provided in a form installed or embedded in the user terminal of the manager and the user terminal of the employee, respectively.
결제서버(300)는 법인카드를 발급하는 카드사 등의 금융사 또는 정유회사 등이 운영하는 서버이다.The payment server 300 is a server operated by a financial company such as a card company that issues a corporate card or an oil refinery.
결제서버(300)는 관리자 어플리케이션(100) 또는 임직원 어플리케이션(200)과 연동하여 가상법인카드 사용등록 프로세스 및 결제 프로세스를 처리하는 역할을 한다.The payment server 300 serves to process a virtual corporate card use registration process and a payment process in connection with the manager application 100 or the employee application 200.
결제서버(300)는 법인카드 발급을 요청한 법인에 대하여 실제법인카드번호를 발급하여 관리자 어플리케이션(100)에 제공한다.The payment server 300 issues an actual corporate card number to a corporation that has requested issuance of a corporate card and provides it to the manager application 100.
결제서버(300)는 관리자 어플리케이션(100)에 대하여 가상법인카드번호 생성조건을 설정한다. 관리자 어플리케이션(100)은 결제서버(300)에 의해 설정된 가상법인카드번호 생성조건에 따라 가상법인카드번호를 생성할 수 있다. 예를 들어, 관리자 어플리케이션(100)은 가상법인카드 생성조건으로서 결제서버(300)로부터 부여된 가상법인카드번호 생성알고리즘을 이용하여 가상법인카드번호를 생성할 수 있다.The payment server 300 sets a virtual corporate card number generation condition for the manager application 100. The manager application 100 may generate a virtual corporate card number according to the virtual corporate card number generation condition set by the payment server 300. For example, the manager application 100 may generate a virtual corporate card number using a virtual corporate card number generation algorithm given from the payment server 300 as a virtual corporate card generation condition.
결제서버(300)는 임직원 어플리케이션(200)과 연동하여 임직원에게 발급된 가상법인카드를 사용등록 및 활성화하는 가상법인카드 사용등록 프로세스를 수행할 수 있다.The payment server 300 may perform a virtual corporation card use registration process in which the virtual corporation card issued to the employee is registered and activated in connection with the employee application 200.
가상법인카드 사용등록 프로세스의 일 실시예로, 법인별 임직원카드 관리모듈(미도시)과 법인카드 관리모듈(미도시)이 이용될 수 있다. 즉, 가상법인카드 사용등록 프로세스는, 임직원이 법인별 임직원카드 관리모듈 내에 본인에게 부여된 UID에 연결된 저장영역(이하, 임직원별 저장영역)에 가상법인카드번호를 저장 및 등록하는 과정과, 법인카드 관리모듈에서 법인별 임직원카드 관리모듈을 통해 등록된 가상법인카드번호가 정상 발급된 것인지 유효성을 판단하고, 사용 가능하도록 등록 및 활성화하는 과정을 포함할 수 있다.As an embodiment of the process of registering the use of a virtual corporate card, an employee card management module (not shown) and a corporate card management module (not shown) for each corporate may be used. In other words, the process of registering the use of a virtual corporate card includes a process in which an employee stores and registers a virtual corporate card number in a storage area (hereinafter referred to as a storage area for each employee) connected to the UID assigned to the employee in the employee card management module for each corporation. The card management module may include the process of determining the validity of the virtual corporate card number registered through the employee card management module for each corporate body is normally issued, and registering and activating it so that it can be used.
유효성을 판단하는 구체적인 예로, 결제서버(300)는 관리자 어플리케이션(100)으로부터 발급되어 임직원별 저장영역에 등록된 가상법인카드번호 및 임직원 조합과 결제서버(300) 내의 가상법인카드번호 및 임직원 조합을 비교하여 검증한다. 이때, "가상법인카드번호 및 임직원 조합"은 관리자의 발급에 의해 생성된 가상법인카드번호와 발급 대상인 임직원 간의 맵핑(mapping)관계이다. 이를 통해 결제서버(300)는 임직원 어플리케이션(200)으로부터 수신한 가상법인카드번호가 법인카드 관리자에 의하여 정상적으로 발급된 가상법인카드번호인지, 법인카드 관리자가 실제로 발급한 임직원인지 확인할 수 있다.As a specific example of determining the validity, the payment server 300 uses the virtual corporate card number and employee combination issued from the manager application 100 and registered in the storage area for each employee, and the virtual corporate card number and employee combination in the payment server 300. Compare and verify. At this time, the "virtual corporate card number and employee combination" is a mapping relationship between the virtual corporate card number created by the issuance of the manager and the employee to be issued. Through this, the payment server 300 can check whether the virtual corporate card number received from the employee application 200 is a virtual corporate card number normally issued by the corporate card manager or an employee actually issued by the corporate card manager.
도 2는 본 발명의 일 실시예에 따른 결제서버(300)의 구성도이다.2 is a block diagram of a payment server 300 according to an embodiment of the present invention.
도 2를 참조하면, 본 발명의 일 실시예에 따른 결제서버(300)는 가상법인카드번호 생성조건 설정부(310), 제1가상법인카드번호 획득부(320), 결제수행부(330) 및 탐색부(340)를 포함할 수 있다.2, the payment server 300 according to an embodiment of the present invention includes a virtual corporate card number generation condition setting unit 310, a first virtual corporate card number acquisition unit 320, and a payment execution unit 330. And a search unit 340.
가상법인카드번호 생성조건 설정부(310)는 관리자 어플리케이션(100)에 가상법인카드번호 생성조건을 설정하는 역할을 수행한다.The virtual corporate card number generation condition setting unit 310 serves to set the virtual corporate card number generation condition in the manager application 100.
관리자 어플리케이션(100)은 결제서버(300)에 의해 설정된 가상법인카드번호 생성조건(예를 들어, 가상법인카드번호 생성알고리즘)을 기반으로 가상법인카드번호를 생성한다. 또한, 결제서버(300)는 가상법인카드번호 생성조건을 기반으로 가상법인카드 사용등록 프로세스 또는 결제 프로세스에서 CID를 탐색할 수 있다. 즉, 결제서버(300)는 가상법인카드번호 생성조건을 기반으로 CID를 탐색하고, CID에 연결된 저장영역(이하, '법인별 저장영역')에 가상법인카드번호 또는 실제법인카드번호를 저장하거나, 이미 저장되어 있는 가상법인카드번호 또는 실제법인카드번호를 추출할 수 있다. 이에 대한 상세한 설명은 후술한다.The manager application 100 generates a virtual corporate card number based on the virtual corporate card number generation condition (eg, a virtual corporate card number generation algorithm) set by the payment server 300. In addition, the payment server 300 may search for a CID in a virtual corporate card use registration process or a payment process based on the virtual corporate card number generation condition. That is, the payment server 300 searches for the CID based on the virtual corporate card number generation condition, and stores the virtual corporate card number or the actual corporate card number in a storage area connected to the CID (hereinafter,'the storage area for each corporation'), or , You can extract the virtual corporate card number or the actual corporate card number that is already stored. A detailed description of this will be described later.
제1가상법인카드번호 획득부(320)는 관리자 어플리케이션(100)에 의해 제1임직원에게 발급된 제1가상법인카드번호를 획득하는 역할을 수행한다.The first virtual corporation card number acquisition unit 320 serves to obtain the first virtual corporation card number issued to the first executive by the manager application 100.
제1가상법인카드번호는 제1임직원이 가상법인카드번호를 요청한 시점에 관리자 어플리케이션(100)에 의해 생성된 가상법인카드번호이다. 즉, 제1임직원은 임직원 어플리케이션(200)을 통해 가상법인카드번호 발급을 요청할 수 있으며, 관리자 어플리케이션(100)은 제1임직원이 요청한 시점에 제1가상법인카드번호를 생성한다.The first virtual corporation card number is a virtual corporation card number generated by the manager application 100 at the time the first employee requests the virtual corporation card number. That is, the first employee may request issuance of a virtual corporation card number through the employee application 200, and the manager application 100 generates the first virtual corporation card number at the time requested by the first employee.
제1가상법인카드번호 획득부(320)는 제1가상법인카드번호를 발급받아 사용등록한 임직원이 제1가상법인카드번호를 기반으로 결제 요청 시 제1가상법인카드번호를 획득한다.The first virtual corporation card number acquisition unit 320 obtains the first virtual corporation card number when an employee who has received and registered the first virtual corporation card number requests payment based on the first virtual corporation card number.
제1가상법인카드번호 획득부(320)가 제1가상법인카드번호를 획득하는 방법은 임직원이 사용하는 결제수단의 종류에 따라 다양하며 구체적인 실시예들은 도 5를 참조하여 후술한다.The method of obtaining the first virtual corporation card number by the first virtual corporation card number acquisition unit 320 varies according to the type of payment method used by the employees, and specific embodiments will be described later with reference to FIG. 5.
결제수행부(330)는 제1가상법인카드번호 획득부(320)가 획득한 제1가상법인카드번호를 기반으로 탐색된 실제법인카드번호로 결제를 수행하는 역할을 한다.The payment execution unit 330 serves to perform payment with the actual corporate card number found based on the first virtual corporate card number obtained by the first virtual corporate card number acquisition unit 320.
탐색부(340)는 가상법인카드번호 등록 프로세스 또는 가상법인카드번호를 기반으로 결제를 수행하는 프로세스에서 UID 또는 CID를 탐색하는 역할을 수행한다.The search unit 340 serves to search for a UID or CID in a process of registering a virtual corporate card number or a process of performing payment based on the virtual corporate card number.
탐색부(340)를 구성하는 일부 또는 전부는 결제수행부(330)에 포함되어 구성될 수 있다.Some or all of the search unit 340 may be included in the payment execution unit 330 and configured.
도 3을 참조하면, 탐색부(340)는 각각 UID 또는 CID를 탐색하는 UID탐색부(341) 및 CID탐색부(342)를 포함할 수 있다.Referring to FIG. 3, the search unit 340 may include a UID search unit 341 and a CID search unit 342 respectively searching for a UID or CID.
UID탐색부(341)는 임직원에게 부여된 UID를 탐색하는 역할을 수행한다.The UID search unit 341 searches for a UID assigned to an employee.
결제서버(300)는 UID탐색부(341)가 탐색한 UID에 연결된 저장영역(임직원별 저장영역)에서 가상법인카드번호를 추출할 수 있다.The payment server 300 may extract a virtual corporate card number from a storage area (storage area for each employee) connected to the UID searched by the UID search unit 341.
CID탐색부(342)는 가상법인카드번호를 기반으로 CID를 탐색하는 역할을 수행한다.The CID search unit 342 performs a role of searching for a CID based on the virtual corporate card number.
결제서버(300)는 CID탐색부(342)가 탐색한 CID에 연결된 저장영역(법인별 저장영역)에서 이미 저장되어 있는 가상법인카드번호 또는 실제법인카드번호를 추출할 수 있다.The payment server 300 may extract a virtual corporate card number or an actual corporate card number already stored in a storage area (storage area for each corporation) connected to the CID searched by the CID search unit 342.
구체적인 예로, 결제서버(300)는 가상법인카드번호의 유효성을 검증하기 위해 임직원 어플리케이션(200)으로부터 수신한 가상법인카드번호와 해당 가상법인카드번호를 기반으로 탐색된 CID에 연결된 저장영역(법인별 저장영역)에서 추출된 가상법인카드번호가 일치하는지 확인할 수 있다.As a specific example, the payment server 300 is a storage area connected to the CID searched based on the virtual corporate card number received from the employee application 200 and the virtual corporate card number in order to verify the validity of the virtual corporate card number. You can check whether the virtual corporation card number extracted from the storage area matches.
구체적인 다른 예로, 결제서버(300)는 결제를 수행하기 위해 임직원 어플리케이션(200)으로부터 수신한 가상법인카드번호를 기반으로 CID를 탐색하고, 해당 CID에 연결된 저장영역(법인별 저장영역)에 저장되어 있는 실제법인카드번호를 추출할 수 있다.As another specific example, the payment server 300 searches for a CID based on the virtual corporate card number received from the employee application 200 to perform payment, and is stored in a storage area (storage area for each corporation) connected to the CID. You can extract the actual corporate card number.
즉, 결제서버(300)는 UID 또는 CID를 탐색하기 위한 탐색알고리즘을 자체적으로 보유한다. UID 또는 CID를 탐색하기 위한 각각의 탐색알고리즘(UID탐색알고리즘 또는 CID탐색알고리즘)은 일부 또는 전부가 동일하거나, 상호 상이한 탐색알고리즘이 적용될 수 있다.That is, the payment server 300 owns a search algorithm for searching for UID or CID. Each search algorithm (UID search algorithm or CID search algorithm) for searching for UID or CID may be partially or entirely the same, or different search algorithms may be applied.
탐색알고리즘의 일 실시예로, 결제서버(300)는 가상법인카드번호를 구성하는 복수의 세부코드를 기반으로 UID 또는 CID를 탐색할 수 있다. 이 경우, 복수의 세부코드 간에는 결제서버(300)가 UID 또는 CID 탐색 시 이용되는 상관관계를 가지고 있다. 결제서버(300)는 복수의 세부코드 간의 상관관계를 기반으로 연산하여 UID 또는 CID를 탐색한다. 구체적으로, 결제서버(300)는 임직원 어플리케이션(200)으로부터 수신한 가상법인카드번호에 포함된 복수의 세부코드를 추출한다. 결제서버(300)는 자체적으로 보유하고 있는 탐색알고리즘을 통해 추출한 복수의 세부코드를 기반으로 UID 또는 CID를 탐색한다. 이때, 탐색알고리즘은 복수의 세부코드 간에 가지는 상관관계를 기반으로 연산하여 UID 또는 CID를 탐색한다.As an embodiment of the search algorithm, the payment server 300 may search for a UID or CID based on a plurality of detailed codes constituting a virtual corporate card number. In this case, the payment server 300 has a correlation used when searching for a UID or CID between a plurality of detailed codes. The payment server 300 searches for a UID or CID by calculating based on the correlation between a plurality of detailed codes. Specifically, the payment server 300 extracts a plurality of detailed codes included in the virtual corporate card number received from the employee application 200. The payment server 300 searches for a UID or CID based on a plurality of detailed codes extracted through a search algorithm possessed by itself. At this time, the search algorithm searches for UID or CID by calculating based on correlations between a plurality of detailed codes.
보다 상세하게는, 결제서버(300)에 포함된 탐색알고리즘은 복수의 세부코드 중 하나 이상의 세부코드와 대응하는 경유지점을 경유하여, 상기 경유지점으로부터 상기 복수의 세부코드 간의 상관관계를 기반으로 연산(탐색경로를 설정)하여 UID 또는 CID를 탐색할 수 있다. 이때, 경유지점은 하나 또는 복수일 수 있으며 개수 및 순서에 제한은 없다.In more detail, the search algorithm included in the payment server 300 is calculated based on the correlation between the plurality of detailed codes from the transit point via a transit point corresponding to one or more detailed codes of a plurality of detailed codes. You can search for UID or CID by (setting a search path). At this time, there may be one or more transit points, and there is no limit to the number and order.
복수의 세부코드의 구체적인 예로, 복수의 세부코드는 제1코드 및 제2코드를 포함할 수 있고, 제1코드 및 제2코드는 UID 또는 CID를 탐색하는데 이용되는 상관관계를 가지고 있다. 예를 들어, 제1코드 및 제2코드는, 가상법인카드번호에 포함된 제1법인용코드 및 제2법인용코드이거나, 가상임직원카드번호에 포함된 제1개인용코드 및 제2개인용코드일 수 있다.As a specific example of a plurality of detailed codes, the plurality of detailed codes may include a first code and a second code, and the first code and the second code have a correlation used to search for a UID or CID. For example, the first code and the second code are either the first corporate code and the second corporate code included in the virtual corporate card number, or the first personal code and the second individual code included in the virtual employee card number. I can.
또한, 구체적인 다른 예로, 가상임직원카드번호는 가상법인카드번호와 동일한 원리로 생성될 수 있다. 즉, 가상임직원카드번호를 생성하는 가상임직원카드번호생성함수는 가상법인카드번호를 생성하는 가상법인카드번호생성함수에 포함된 세부코드생성함수 및 세부코드결합함수와 동일한 세부코드생성함수 및 세부코드결합함수를 포함할 수 있다.In addition, as another specific example, the virtual employee card number may be generated on the same principle as the virtual corporate card number. That is, the virtual employee card number generation function that generates the virtual employee card number is the same detailed code generation function and detailed code as the detailed code generation function and detailed code combination function included in the virtual corporate card number generation function that generates the virtual corporate card number. It may include a coupling function.
일 실시예로, 제1코드 및 제2코드는 결제서버(300)가 UID 또는 CID를 탐색하기 위한 상관관계를 가지지만, 관리자 어플리케이션(100)은 보안성을 높이기 위해 제1코드를 생성하는 제1함수와 제2코드를 생성하는 제2함수를 세부코드생성함수로 포함할 뿐, 제1코드와 제2코드의 상관관계에 대한 데이터를 포함하지 않을 수 있다.In one embodiment, the first code and the second code have a correlation for the payment server 300 to search for a UID or CID, but the manager application 100 generates a first code to increase security. The first function and the second function for generating the second code are included as the detailed code generation function, and data on the correlation between the first code and the second code may not be included.
한편, 제1코드 및 제2코드는 탐색 과정에서 각각의 역할을 수행할 수 있다. 제1코드는 경유지점에 대한 정보를 포함하고, 제2코드는 경유지점으로부터 실제코드의 저장위치로 도달할 수 있는 연산에 필요한 정보를 포함할 수 있다. 제1코드 및 제2코드의 구체적인 예시는 도 11을 참조하여 후술한다.Meanwhile, the first code and the second code may perform respective roles in the search process. The first code may include information on a transit point, and the second code may include information necessary for an operation capable of reaching a storage location of an actual code from the transit point. Specific examples of the first code and the second code will be described later with reference to FIG. 11.
또한, 다른 일실시예로, 결제서버는 결제수단 등록부(미도시)를 더 포함할 수 있다. 결제수단 등록부는 오프라인 결제수단(예를 들어, 공카드, 웨어러블 디바이스 등)을 임직원 어플리케이션(200)에 등록하는 역할을 수행한다.In addition, in another embodiment, the payment server may further include a payment method registration unit (not shown). The payment method registration unit serves to register an offline payment method (eg, a blank card, a wearable device, etc.) in the employee application 200.
구체적으로, 결제수단 등록부는 법인별 임직원카드 관리모듈과 연동하여, 임직원에게 부여된 임직원별 저장영역에 오프라인 결제수단을 연결시킬 수 있다. 예를 들어, 결제수단 등록부는 오프라인 결제수단에 부여된 공카드번호 또는 식별번호를 법인별 임직원카드 관리모듈에 등록된 가상법인카드번호와 매칭하여 저장 및 등록할 수 있다.Specifically, the payment method registration unit may be linked with the employee card management module for each corporation to link the offline payment method to the storage area for each employee assigned to the employee. For example, the payment method registration unit may store and register the blank card number or identification number assigned to the offline payment method by matching the virtual corporation card number registered in the employee card management module for each corporation.
도 4는 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 방법을 개략적으로 나타내는 흐름도이다.4 is a flowchart schematically illustrating a method of providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention.
도 4를 참조하면, 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 방법은 가상법인카드 생성조건 설정단계(S500), 제1가상법인카드번호 획득단계(S700) 및 결제수행단계(S800)를 포함할 수 있다.4, the method of providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention includes a virtual corporate card generation condition setting step (S500), a first virtual corporate card number acquisition step (S700), and payment. It may include an performing step (S800).
S500 단계는, 결제서버(300)가 관리자 어플리케이션(100)에 가상법인카드 생성조건을 설정하는 단계이다. 관리자 어플리케이션(100)은 설정된 생성조건에 따라 실제법인카드번호를 탐색하는데 이용되는 가상법인카드번호를 생성할 수 있다.Step S500, the payment server 300 is a step of setting the virtual corporation card generation conditions in the manager application (100). The manager application 100 may generate a virtual corporate card number used to search for an actual corporate card number according to a set generation condition.
S700 단계는, 결제서버(300)가 관리자 어플리케이션(100)에 의해 제1임직원에게 발급된 제1가상법인카드번호를 획득하는 단계이다. 이때, 제1가상법인카드번호는 상기 제1임직원이 가상법인카드번호를 요청한 시점에 관리자 어플리케이션(100)에 의해 생성된 것이다.Step S700 is a step in which the payment server 300 obtains a first virtual corporation card number issued to the first executive by the manager application 100. At this time, the first virtual corporation card number is generated by the manager application 100 at the time when the first employee requests the virtual corporation card number.
S800 단계는, 결제서버(300)가 임직원 어플리케이션(200)으로부터 수신한 제1가상법인카드번호를 기반으로 탐색된 실제법인카드번호로 결제를 수행하는 단계이다. 결제 프로세스에 대한 상세한 내용은 도 6을 참조하여 후술한다.In step S800, the payment server 300 performs payment with the actual corporate card number searched based on the first virtual corporate card number received from the employee application 200. Details of the payment process will be described later with reference to FIG. 6.
도 5는 본 발명의 일 실시예에 따른 결제서버(300)가 가상법인카드번호를 획득하는 단계에 대하여 결제수단에 따른 예들을 나타내는 예시도이다.5 is an exemplary view showing examples according to payment means for a step of obtaining a virtual corporate card number by the payment server 300 according to an embodiment of the present invention.
임직원은 본인에게 편한 결제수단을 선택하여 사용 가능하며, 어떠한 방식의 결제수단을 사용하더라도 임직원에게 발급된 가상법인카드번호가 외부로 노출되지 않는다. 이에 따라 가상법인카드번호로 CNP 사기 등이 발생하는 것을 차단할 수 있다.Employees can select and use a payment method that is convenient for them, and no matter what payment method they use, the virtual corporate card number issued to the employee is not exposed to the outside. Accordingly, it is possible to block the occurrence of CNP fraud with the virtual corporate card number.
일 실시예로, 임직원은 결제수단으로 기존에 사용 중이던 개인용 카드결제 어플리케이션(예를 들어, 고정된 카드번호를 등록하여 사용하는 변동형 가상카드번호 어플리케이션)을 이용할 수 있다. 즉, 임직원은 기존에 사용 중이던 개인용 카드결제 어플리케이션을 임직원 어플리케이션(200)으로 하여 발급받은 가상법인카드번호를 추가로 등록하여 사용할 수 있다. In one embodiment, the employee may use a personal card payment application (eg, a variable virtual card number application that registers and uses a fixed card number) that has been used as a payment method. That is, the employee may additionally register and use the issued virtual corporate card number by using the personal card payment application previously being used as the employee application 200.
구체적으로, 임직원의 개인용 카드결제 어플리케이션은 추가 등록된 가상법인카드번호에 매칭되는 가상임직원카드번호를 생성한다. 임직원의 개인용 카드결제 어플리케이션은 생성된 가상임직원카드번호를 결제단말기로 제공함으로써 (예를 들어, 오프라인 결제 시 NFC 리딩 또는 QR코드 스캔을 통해 결제단말기로 가상임직원카드번호를 전송) 가상법인카드번호로 결제를 요청할 수 있다.Specifically, the employee's personal card payment application generates a virtual employee card number matching the additionally registered virtual corporate card number. The employee's personal card payment application provides the generated virtual employee card number to the payment terminal (for example, when making offline payments, the virtual employee card number is transmitted to the payment terminal through NFC reading or QR code scanning). You can request payment.
이 경우, 결제서버(300)는 개인용 카드결제 어플리케이션으로부터 가상임직원카드번호를 수신하고, 수신한 가상임직원카드번호에 의해 탐색된 저장영역에서 가상법인카드번호를 추출하여 획득한다. 이때, 가상임직원카드번호는 개인용 카드결제 어플리케이션(200)에 사전 저장된 가상임직원카드번호생성함수에 의해 자체적으로 생성된 것으로서, 단위시간마다 변경되는 것이다.In this case, the payment server 300 receives the virtual employee card number from the personal card payment application, and extracts and obtains the virtual corporate card number from the storage area searched by the received virtual employee card number. At this time, the virtual employee card number is self-generated by the virtual employee card number generation function stored in advance in the personal card payment application 200, and is changed every unit time.
한편, 가상임직원카드번호는 식별자번호(BIN)를 포함할 수 있다. 식별자번호(BIN)는 결제서버(300)가 개인용 카드결제 어플리케이션으로부터 수신한 가상임직원카드번호가 임직원의 개인카드에 대한 가상임직원카드번호인지, 임직원에게 발급된 가상법인카드에 대한 가상임직원카드번호인지 식별하는데 이용된다. 구체적인 예로, 가상법인카드번호의 앞 6자리는 법인별로 특정한 식별자번호(BIN)로 구성될 수 있다. 결제서버(300)는 개인용 카드결제 어플리케이션으로부터 수신한 가상임직원카드번호의 앞 6자리를 추출하여 가상법인카드번호에 해당하는지 여부 및 어떤 법인에서 발급된 가상법인카드번호인지 식별할 수 있다.Meanwhile, the virtual employee card number may include an identifier number (BIN). The identifier number (BIN) is whether the virtual employee card number received from the payment server 300 from the personal card payment application is a virtual employee card number for the employee's personal card or a virtual employee card number for a virtual corporate card issued to employees. It is used to identify. As a specific example, the first six digits of the virtual corporate card number may be composed of a specific identifier number (BIN) for each corporation. The payment server 300 extracts the first six digits of the virtual employee card number received from the personal card payment application to identify whether it corresponds to a virtual corporate card number and whether it is a virtual corporate card number issued by a corporation.
다른 실시예로, 임직원은 결제수단으로 별도의 실물 결제수단을 등록하여 사용할 수 있다.In another embodiment, employees may register and use a separate physical payment method as a payment method.
"실물 결제수단"는 금융거래를 수행할 수 있는 기기로서, 가상카드번호를 직접 생성할 수 없는 결제수단이다. 실물 결제수단은 금융거래를 발생시킬 수 있는 코드데이터 또는 실제카드번호와 매칭되는 코드데이터를 부여받고, 근거리 통신 기반으로 오프라인 결제를 수행하거나, 사용자단말과 연동하여 온라인 결제를 수행할 수 있는 결제수단일 수 있으며 이에 한정되는 것은 아니다.A "real payment method" is a device that can perform financial transactions, and is a payment method that cannot directly generate a virtual card number. The real payment method is a payment method that receives code data that can generate financial transactions or code data that matches the actual card number, and performs offline payment based on short-range communication or online payment in conjunction with a user terminal. May be, but is not limited thereto.
구체적인 예로, 실물 결제수단은 표면 상에 번호가 기재되어 있지 않은 공카드일 수 있다. 이 경우, 결제서버(300)는 임직원에게 부여된 임직원별 저장영역에 공카드에 부여된 공카드번호 또는 식별번호를 연결시킴으로써, 해당 공카드를 임직원에게 발급된 가상법인카드번호를 기반으로 결제를 수행할 수 있는 실물 결제수단으로 저장 및 사용등록할 수 있다. 결제서버(300)는 공카드로부터 제1공카드번호를 수신하고, 수신한 제1공카드번호에 의해 탐색된 저장영역에서 제1가상법인카드번호를 추출하여 획득한다. 이때, 제1공카드번호는 제1임직원이 임직원 어플리케이션(200)에 등록한 공카드에 저장된 번호로서, 제1가상법인카드번호가 저장된 저장영역에 연결된 것이다.As a specific example, the physical payment means may be a blank card with no number written on the surface. In this case, the payment server 300 makes payment based on the virtual corporate card number issued to the employee by linking the blank card number or identification number assigned to the blank card to the storage area for each employee assigned to the employee. It can be stored and used as a payment method that can be performed. The payment server 300 receives the first blank card number from the blank card, and extracts and obtains the first virtual corporation card number from the storage area searched for by the received first blank card number. At this time, the first blank card number is a number stored in the blank card registered by the first employee in the employee application 200, and is connected to the storage area in which the first virtual corporation card number is stored.
또 다른 실시예로, 임직원은 결제수단으로 별도의 모바일 결제서비스를 이용할 수 있다. 즉, 임직원은 모바일 결제서비스에 가상법인카드번호를 등록하고, 임직원 어플리케이션(200)으로서 모바일 결제서비스를 이용하여 법인카드 결제를 이용할 수 있다.In another embodiment, employees may use a separate mobile payment service as a payment method. That is, the employee can register the virtual corporate card number in the mobile payment service, and use the corporate card payment by using the mobile payment service as the employee application 200.
"모바일 결제서비스"는 모바일 기기를 통해 온오프라인 상에서 제품 또는 서비스를 구매할 수 있는 서비스로서, 모바일 기기에 고정된 카드번호를 등록하여 실물카드를 구비하지 않고서도 모바일 기기로 등록된 카드를 통해 결제를 수행할 수 있는 서비스이다. 예를 들어, 모바일 결제서비스는 구글페이, 애플페이, 삼성페이 등의 간편결제서비스를 포함하며 이에 한정되지 않는다."Mobile payment service" is a service that allows you to purchase products or services online or offline through a mobile device. By registering a fixed card number on the mobile device, payment is made through a card registered with a mobile device without having a physical card. It is a service that can be performed. For example, mobile payment services include, but are not limited to, simple payment services such as Google Pay, Apple Pay, and Samsung Pay.
이 경우, 임직원은 모바일 결제서비스에 가상법인카드번호를 등록하면, 모바일 결제서비스를 제공하는 업체의 토큰서버(이하, 모바일 결제서비스 서버)에 가상법인카드번호가 저장된다. 또한, 임직원의 모바일 결제서비스 어플리케이션에는 해당 가상법인카드번호에 매칭되는 가상토큰이 저장된다. 임직원은 상기 가상토큰을 결제단말기로 전송함으로써, 가상법인카드번호를 이용한 결제를 요청할 수 있다.In this case, when the employee registers the virtual corporate card number in the mobile payment service, the virtual corporate card number is stored in the token server (hereinafter, referred to as the mobile payment service server) of a mobile payment service provider. In addition, a virtual token matching the corresponding virtual corporate card number is stored in the mobile payment service application of the employee. Employees can request payment using the virtual corporate card number by transmitting the virtual token to the payment terminal.
한편, 모바일 결제서비스 어플리케이션에 저장된 가상토큰은 식별자번호(BIN)을 포함할 수 있다. 식별자번호(BIN)는 모바일 결제서비스 서버가 임직원의 모바일 결제서비스 어플리케이션으로부터 수신한 가상토큰이 임직원의 개인카드에 대응되는 가상토큰인지, 임직원에게 발급된 가상법인카드에 대응되는 가상토큰인지 식별하는데 이용된다. 모바일 결제서비스 서버는 수신한 가상토큰에 포함된 식별자번호(BIN)를 판단한 결과, 가상법인카드번호에 대응되는 가상토큰에 해당하는 경우, 해당 가상토큰에 대응되는 가상법인카드번호를 탐색하여 결제서버(300)로 전송한다.Meanwhile, the virtual token stored in the mobile payment service application may include an identifier number (BIN). The identifier number (BIN) is used by the mobile payment service server to identify whether the virtual token received from the employee's mobile payment service application is a virtual token corresponding to the employee's personal card or a virtual token corresponding to the virtual corporate card issued to the employee. do. As a result of determining the identifier number (BIN) included in the received virtual token, the mobile payment service server searches for a virtual corporate card number corresponding to the virtual corporate card number, and the payment server Send to 300.
도 6은 본 발명의 일 실시예에 따른 결제수행단계의 세부 과정을 개략적으로 나타내는 흐름도이다.6 is a flowchart schematically showing a detailed process of a payment execution step according to an embodiment of the present invention.
도 6을 참조하면, 본 발명의 일 실시예에 따른 결제수행단계(S800)는 제1가상법인카드번호의 유효성을 검증하는 단계(S810) 및 실제카드번호를 탐색하는 단계(S830)를 포함할 수 있다.6, the payment execution step (S800) according to an embodiment of the present invention includes the step of verifying the validity of the first virtual corporation card number (S810) and the step of searching for an actual card number (S830). I can.
S810 단계는 결제서버(300)가 임직원 어플리케이션(200)으로부터 획득한 제1가상법인카드번호의 유효성을 검증하는 단계이다.In step S810, the payment server 300 verifies the validity of the first virtual corporation card number obtained from the employee application 200.
결제서버(300)는 획득한 가상법인카드번호가 관리자 어플리케이션(100)에 의해 생성된 가상법인카드번호인지 확인하여 결제를 승인한다. The payment server 300 confirms whether the acquired virtual corporate card number is a virtual corporate card number generated by the manager application 100 and approves payment.
구체적으로, 결제서버(300)는 임직원 어플리케이션(200)으로부터 획득한 가상법인카드번호가, 상기 가상법인카드번호에 의해 탐색된 CID에 연결된 저장영역(법인카드 관리모듈 내의 법인별 저장영역)에 저장되어 있는 가상법인카드번호와 일치하는지 확인한다. 확인 결과, 일치하는 경우, 결제서버(300)는 해당 CID에 저장되어 있는 실제법인카드번호를 추출하여 결제를 진행한다.Specifically, the payment server 300 stores the virtual corporate card number obtained from the employee application 200 in a storage area (corporate-specific storage area in the corporate card management module) connected to the CID searched for by the virtual corporate card number. Check if it matches the virtual corporate card number. As a result of the verification, if they match, the payment server 300 extracts the actual corporate card number stored in the corresponding CID and proceeds with payment.
도 7은 본 발명의 일 실시예에 따른 가상법인카드번호 등록단계가 더 포함된 가상법인카드 기반의 금융거래를 제공하는 방법을 나타내는 흐름도이다.7 is a flowchart illustrating a method of providing a virtual corporate card-based financial transaction further including a step of registering a virtual corporate card number according to an embodiment of the present invention.
도 7을 참조하면, 본 발명의 일 실시예에 따른 가상법인카드 기반의 금융거래를 제공하는 방법은 가상법인카드번호 등록단계(S600)를 더 포함할 수 있다.Referring to FIG. 7, the method of providing a financial transaction based on a virtual corporate card according to an embodiment of the present invention may further include a virtual corporate card number registration step (S600).
S600 단계는, 결제서버(300)가 관리자 어플리케이션(100) 또는 임직원 어플리케이션(200)으로부터 가상법인카드번호를 수신하여 사용 등록하는 단계이다.In step S600, the payment server 300 receives and registers a virtual corporate card number from the manager application 100 or the employee application 200.
일 실시예로, 결제서버(300)는 탐색알고리즘만 보유할 뿐, 가상법인카드번호생성함수를 보유하지 않을 수 있다. 이 경우, 임직원 어플리케이션(200)이 관리자 어플리케이션(100)으로부터 생성된 가상법인카드번호를 제공받아서 결제서버(300)로 전송하면, 결제서버(300)는 탐색알고리즘을 이용하여 수신한 가상법인카드번호를 검증 및 사용 등록한다.In one embodiment, the payment server 300 may only have a search algorithm and may not have a virtual corporate card number generation function. In this case, when the employee application 200 receives the virtual corporate card number generated from the manager application 100 and transmits it to the payment server 300, the payment server 300 receives the virtual corporate card number received using a search algorithm. Verify and register for use.
다른 실시예로, 결제서버(300)와 관리자 어플리케이션(100)은 동일한 가상법인카드번호생성함수를 보유할 수 있다. 즉, 결제서버(300)는 법인 각각에 대하여 CID에 각각의 가상법인카드번호생성함수 알고리즘을 저장하여 보유하고 있다.In another embodiment, the payment server 300 and the manager application 100 may have the same virtual corporate card number generation function. That is, the payment server 300 stores and holds each virtual corporation card number generation function algorithm in the CID for each corporation.
이 경우, 결제서버(300)는 생성된 가상법인카드번호 자체를 획득할 필요없이, 가상법인카드번호 생성에 이용되는 시드데이터(예를 들어, 시간데이터 등)만 수신하면 동일한 가상법인카드번호생성함수를 이용하여 동일한 가상법인카드번호를 생성할 수 있다.In this case, the payment server 300 generates the same virtual corporate card number by receiving only the seed data (for example, time data, etc.) used for generating the virtual corporate card number without the need to acquire the generated virtual corporate card number itself. The same virtual corporate card number can be created using a function.
또 다른 실시예로, 관리자 어플리케이션(100)은 임직원 어플리케이션(200)에뿐만 아니라 결제서버(300)에도 가상법인카드번호를 전송할 수 있다. 즉, 가상법인카드번호가 임직원에게 부여된 UID에 연결된 저장영역뿐만 아니라 결제서버(300) 자체에도 저장되어 관리될 수 있다.In another embodiment, the manager application 100 may transmit a virtual corporate card number to the payment server 300 as well as to the employee application 200. That is, the virtual corporate card number may be stored and managed in the payment server 300 itself as well as in a storage area connected to the UID assigned to the employee.
도 8은 본 발명의 일 실시예에 따른 가상법인카드번호 등록단계의 세부 과정을 개략적으로 나타내는 흐름도이다.8 is a flowchart schematically showing a detailed process of a virtual corporate card number registration step according to an embodiment of the present invention.
가상법인카드번호 등록단계(S600)는 임직원 어플리케이선(200)에 가상법인카드번호를 부여한 후, 임직원 어플리케이선(200)을 통해 등록을 수행하는 단계이다.The virtual corporate card number registration step (S600) is a step of assigning a virtual corporate card number to the employee application line 200 and then performing registration through the employee application line 200.
도 8을 참조하면, 본 발명의 일 실시예에 따른 가상법인카드번호 등록단계(S600)는, UID를 탐색하는 단계(S610), UID에 연결된 저장영역에 가상법인카드번호를 저장하는 단계(S630), CID를 탐색하는 단계(S650) 및 CID에 연결된 저장영역에 가상법인카드번호를 저장하는 단계(S670)를 포함할 수 있다.8, in the step of registering a virtual corporate card number (S600) according to an embodiment of the present invention, the step of searching for a UID (S610), storing the virtual corporate card number in a storage area connected to the UID (S630) ), searching for a CID (S650), and storing a virtual corporate card number in a storage area connected to the CID (S670).
S610 단계는, 결제서버(300)가 임직원 어플리케이션(200)에 등록 시 임직원에게 부여된 UID를 탐색하는 단계이다. UID를 탐색하는 알고리즘에 대한 내용은 전술한 내용과 중복되므로 생략한다.Step S610, the payment server 300 is a step of searching for the UID given to the employee when registering in the employee application 200. The contents of the algorithm for searching for UID are omitted because they are duplicated with the above.
S630 단계는, 결제서버(300)가 탐색된 UID에 연결된 저장영역에 임직원 어플리케이션(200)으로부터 수신한 가상법인카드번호를 저장하는 단계이다.In step S630, the payment server 300 stores the virtual corporate card number received from the employee application 200 in a storage area connected to the searched UID.
S650단계는, 결제서버(300)가 수신한 가상법인카드번호를 기반으로 법인에게 부여된 CID를 탐색하는 단계이다.Step S650 is a step of searching for a CID given to a corporation based on the virtual corporation card number received by the payment server 300.
S670단계는, 결제서버(300)가 탐색된 CID에 연결된 저장영역에 수신한 가상법인카드번호를 저장하는 단계이다.In step S670, the payment server 300 stores the received virtual corporation card number in a storage area connected to the searched CID.
S610 내지 S670 단계를 통해 가상법인카드번호는 임직원에게 부여된 UID 및 법인에게 부여된 CID 각각에 연결된 저장영역에 각각 저장되어 관리된다.Through steps S610 to S670, the virtual corporation card number is stored and managed in a storage area connected to each of the UID assigned to the employee and the CID assigned to the corporation.
일 실시예로, UID 또는 CID에 연결된 저장영역에는 결제서버(300)가 수신한 가상법인카드번호와 매칭하여 개별 가상법인카드번호 사용조건이 설정될 수 있으며, 개별 가상법인카드번호 사용조건은 유효기간, 사용한도 등을 포함할 수 있다.In one embodiment, in the storage area connected to the UID or CID, an individual virtual corporate card number usage condition may be set by matching the virtual corporate card number received by the payment server 300, and the individual virtual corporate card number usage condition is valid. It may include period, usage, etc.
유효기간이 설정되는 구체적인 예로, 관리자 어플리케이션(100)이 가상법인카드번호 및 가상법인카드번호에 매칭되는 유효기간을 결제서버(300)로 전송할 수 있다. 결제서버(300)는 수신한 가상법인카드번호에 유효기간을 매칭하여 저장 및 설정한다.As a specific example in which the validity period is set, the manager application 100 may transmit the virtual corporate card number and the validity period matching the virtual corporate card number to the payment server 300. The payment server 300 matches the received virtual corporate card number with an expiration date and stores and sets it.
유효기간이 설정되는 다른 구체적인 예로, 결제서버(300)가 법인카드 관리모듈 내 특정 법인의 CID에 연결된 저장영역(법인별 저장영역)에 가상법인카드번호를 저장하고, 해당 법인의 관리자 어플리케이션(100)으로 등록된 가상법인카드번호의 전부 또는 일부, 임직원의 식별정보를 전송한다. 관리자 어플리케이션(100)은 결제서버(300)로부터 수신한 정보에 대응되는 유효기간을 결제서버(300)로 전송한다. 결제서버(300)는 수신한 유효기간을 대상 가상법인카드번호에 매칭하여 저장 및 설정한다.As another specific example in which the validity period is set, the payment server 300 stores the virtual corporate card number in a storage area (storage area for each corporation) connected to the CID of a specific corporation in the corporate card management module, and the manager application 100 Transmit all or part of the virtual corporate card number registered as ), and the employee's identification information. The manager application 100 transmits a valid period corresponding to the information received from the payment server 300 to the payment server 300. The payment server 300 matches the received validity period with the target virtual corporate card number and stores and sets it.
유효기간이 설정되는 또 다른 구체적인 예로, 관리자 어플리케이션(100)이 결제서버(300)로 유효기간 및 임직원 식별정보만 전송하면, 결제서버(300)는 임직원의 사용등록 시, 임직원 식별정보를 통해 유효기간과 가상법인카드번호를 매칭하여 저장 및 설정할 수 있다.Another specific example in which the expiration date is set, if the manager application 100 transmits only the expiration date and employee identification information to the payment server 300, the payment server 300 is valid through employee identification information when registering for use by employees. It can be saved and set by matching the period and the virtual corporate card number.
다른 실시예로, 저장되어 있는 유효기간 만료 시, 가상법인카드번호는 자동으로 비활성화 또는 삭제되어 결제가 진행되지 않도록 할 수 있다. 이를 통해 법인카드 관리자는 일일이 실물카드를 발급하였다가 회수할 필요없이 편리하게 법인카드 유효기간을 관리할 수 있다.In another embodiment, upon expiration of the stored expiration date, the virtual corporate card number may be automatically deactivated or deleted to prevent payment from proceeding. Through this, the corporate card manager can conveniently manage the validity period of the corporate card without having to issue and collect the physical cards individually.
또 다른 실시예로, 결제서버(300)는 관리자에게 각 임직원별 법인카드 사용내역을 정리하여 제공할 수 있다.In another embodiment, the payment server 300 may provide the manager with the corporate card usage details for each employee.
구체적으로, 결제서버(300)는 가상법인카드번호와 임직원 식별정보를 매칭하여 저장 및 등록한다. 결제서버(300)는 특정한 가상법인카드번호로 결제 진행 시, 해당 가상법인카드번호에 매칭되는 임직원 식별정보를 기반으로 결제를 요청한 임직원을 식별할 수 있다. 이에 따라, 법인의 관리자가 임직원들로부터 일일이 영수증을 받아서 관리할 필요없이, 결제서버(300)가 임직원별 사용내역을 정산하여 제공할 수 있다.Specifically, the payment server 300 stores and registers by matching the virtual corporate card number and employee identification information. When payment is made with a specific virtual corporate card number, the payment server 300 may identify an employee who has requested payment based on employee identification information matching the corresponding virtual corporate card number. Accordingly, without the need for the manager of the corporation to receive and manage receipts from executives and employees individually, the payment server 300 may calculate and provide the usage details for each employee.
도 9는 본 발명의 일 실시예에 따른 법인카드 그룹을 확인하는 단계(S640)가 더 포함된 가상법인카드번호 등록단계를 나타내는 흐름도이다.9 is a flowchart illustrating a virtual corporate card number registration step further including a step (S640) of checking a corporate card group according to an embodiment of the present invention.
S640 단계는, 결제서버(300)가 임직원 어플리케이션(200)으로부터 수신한 가상법인카드번호가 법인카드 그룹에 해당하는지 확인하는 단계이다.In step S640, the payment server 300 checks whether the virtual corporate card number received from the employee application 200 corresponds to the corporate card group.
"법인카드 그룹"은 개인에게 발급된 카드(개인카드)가 아닌 법인에게 발급된 카드(법인카드)들이 속하는 그룹이다. 즉, 법인카드 그룹을 확인하는 것은 대상 카드가 개인카드인지, 법인카드인지 확인하는 것이다.The "corporate card group" is a group of cards issued to corporations (corporate cards), not cards issued to individuals (individual cards). That is, to check the corporate card group is to check whether the target card is an individual card or a corporate card.
법인카드 그룹을 확인하는 일 실시예로, 결제서버(300)는 수신한 가상법인카드번호에 포함된 식별자번호(BIN)를 기반으로 수신한 가상법인카드번호가 법인카드 그룹에 해당하는지 확인한다. 즉, 법인카드 그룹에 해당하는 가상법인카드번호는 특정한 식별자번호(BIN)를 포함하고 있으며, 결제서버(300)는 식별자번호에 매칭되는 법인 정보를 포함하는 그룹 데이터베이스를 보유하고 있다. 결제서버(300)는 수신한 가상법인카드번호로부터 추출한 식별자번호(BIN)가 법인카드 그룹에 부여하는 식별자번호(BIN)로 확인된 경우, 가상법인카드번호 사용등록 절차를 진행한다.As an embodiment of checking the corporate card group, the payment server 300 checks whether the received virtual corporate card number corresponds to the corporate card group based on the identifier number (BIN) included in the received virtual corporate card number. That is, the virtual corporate card number corresponding to the corporate card group includes a specific identification number (BIN), and the payment server 300 maintains a group database including corporate information matching the identification number. When the identification number (BIN) extracted from the received virtual corporate card number is identified as the identification number (BIN) assigned to the corporate card group, the payment server 300 proceeds with a registration procedure for using the virtual corporate card number.
도 10은 본 발명의 일 실시예에 따른 임직원식별정보를 수신 및 저장하는 단계가 더 포함된 가상법인카드번호 등록단계를 나타내는 흐름도이다.10 is a flowchart illustrating a virtual corporate card number registration step further including the step of receiving and storing employee identification information according to an embodiment of the present invention.
도 10을 참조하면, 도 9와 비교하여 관리자 어플리케이션으로부터 임직원식별정보를 수신하는 단계(S680) 및 CID에 연결된 저장영역에 임직원식별정보를 가상법인카드번호와 매칭하여 저장하는 단계(S690)를 더 포함할 수 있다.Referring to FIG. 10, compared to FIG. 9, the step of receiving employee identification information from the manager application (S680) and the step of matching and storing the employee identification information with the virtual corporation card number in the storage area connected to the CID (S690) Can include.
임직원식별정보를 가상법인카드번호와 매칭하여 저장함으로써, 가상법인카드번호와 가상법인카드번호를 사용하는 임직원을 연결할 수 있다. 이를 통해 결제서버(300)는 해당 법인의 결제 금액을 정확히 산출할 수 있으며, 해당 법인의 정상적인 결제인지 확인할 수 있다. 또한, 법인의 법인카드 관리자는 각 임직원의 결제금액을 자동으로 제공받을 수 있게 되어 임직원별 결제내역을 관리할 수 있다.By matching and storing employee identification information with the virtual corporate card number, the virtual corporate card number and the employee using the virtual corporate card number can be linked. Through this, the payment server 300 can accurately calculate the payment amount of the corresponding corporation, and can check whether the payment of the corresponding corporation is normal. In addition, the corporate card manager of a corporation can automatically receive the payment amount of each employee and manage payment details for each employee.
도 11은 본 발명의 일 실시예에 따른 탐색알고리즘이 구동되는 모습을 나타내는 예시도이다.11 is an exemplary view showing a state in which a search algorithm is driven according to an embodiment of the present invention.
상술한 바와 같이, 결제서버(300)는 UID 또는 CID를 탐색하기 위한 탐색알고리즘을 자체적으로 보유한다. UID 또는 CID를 탐색하기 위한 각각의 탐색알고리즘(UID탐색알고리즘 또는 CID탐색알고리즘)은 일부 또는 전부가 동일하거나, 상호 상이한 탐색알고리즘이 적용될 수 있다.As described above, the payment server 300 owns a search algorithm for searching for UID or CID. Each search algorithm (UID search algorithm or CID search algorithm) for searching for UID or CID may be partially or entirely the same, or different search algorithms may be applied.
또한, 상술한 바와 같이, 제1코드 및 제2코드는 가상법인카드번호에 포함된 제1법인용코드 및 제2법인용코드이거나, 가상임직원카드번호에 포함된 제1개인용코드 및 제2개인용코드일 수 있다. 이하 설명하는 제1코드 및 제2코드의 구체적인 예는 각각의 경우에 동일하게 적용될 수 있다.In addition, as described above, the first code and the second code are either the first corporate code and the second corporate code included in the virtual corporate card number, or the first personal code and the second individual code included in the virtual employee card number. It could be code. Specific examples of the first code and the second code described below may be equally applied to each case.
제1코드 및 제2코드의 구체적인 예로, 제1코드에 대응되는 코드값(제1코드값)은 가상법인카드번호생성함수 구동시점을 기준으로 현재시점에 대응되는 카운트에서 OTP코드값을 더한 값일 수 있다. 제1코드값은 탐색 과정에서 경유지점의 역할을 한다. 제2코드에 대응되는 코드값(제2코드값)은 상기 제1코드값에서 UID 또는 CID에 대응되는 코드값을 뺀 값일 수 있다. 제2코드값은 경유지점(제1코드값)으로부터 UID 또는 CID에 대응되는 코드값까지의 카운트이다.As a specific example of the first code and the second code, the code value (first code value) corresponding to the first code is a value obtained by adding the OTP code value from the count corresponding to the current time based on the virtual corporation card number generation function driving time. I can. The first code value serves as a transit point in the search process. The code value corresponding to the second code (the second code value) may be a value obtained by subtracting a code value corresponding to a UID or CID from the first code value. The second code value is a count from the transit point (first code value) to the code value corresponding to the UID or CID.
즉, 관리자 어플리케이션(100)이 생성하는 제1코드 및 제2코드의 일 실시예는 다음과 같다.That is, an embodiment of the first code and the second code generated by the manager application 100 is as follows.
제1코드 = 현재시점 카운트 + OTP코드1st code = current point count + OTP code
제2코드 = 제1코드 - 실제코드의 저장위치값2nd code = 1st code-storage location value of actual code
OTP(One time password) 코드는 세부코드생성함수에 포함된 OTP코드생성함수에 의해 생성되는 코드로서, 매시점 다르게 생성되는 코드이다. 따라서, 세부코드는 가상코드의 셍성시점에 따라 다르게 생성되므로 중복되어 생성되는 것을 방지할 수 있고, 보안성을 강화시키는 효과가 있다.The OTP (One time password) code is a code generated by the OTP code generation function included in the detailed code generation function, and is generated differently every time. Therefore, since the detailed code is generated differently according to the generation time of the virtual code, it is possible to prevent duplicate generation and enhance security.
제1코드 및 제2코드의 구체적인 다른 예로, 제1코드에 대응되는 코드값(제1코드값)은 OTP코드값에 UID값을 더한 값이고, 제2코드에 대응되는 코드값(제2코드값)은 OTP코드값일 수 있다.As another specific example of the first code and the second code, the code value corresponding to the first code (the first code value) is a value obtained by adding the UID value to the OTP code value, and the code value corresponding to the second code (the second code Value) may be an OTP code value.
즉, 관리자 어플리케이션(100)이 생성하는 제1코드 및 제2코드의 다른 실시예는 다음과 같다.That is, other embodiments of the first code and the second code generated by the manager application 100 are as follows.
제1코드 = OTP코드 + UID1st code = OTP code + UID
제2코드 = OTP코드2nd code = OTP code
도 11에 도시된 바와 같이, 결제서버(300)는 제1코드값에 매칭되는 트랙상의 카운트를 경유지점으로 경유하여, 제2코드값에 해당하는 카운트만큼 설정된 방향으로 트랙을 따라 이동하여 UID 또는 CID에 매칭되는 지점을 탐색하고, 해당 UID 또는 CID에 연결된 저장영역을 탐색한다.As shown in FIG. 11, the payment server 300 passes the count on the track matching the first code value to the transit point, moves along the track in the direction set by the count corresponding to the second code value, and moves the UID or Searches the point matching the CID, and searches the storage area connected to the corresponding UID or CID.
본 발명의 실시예와 관련하여 설명된 방법 또는 알고리즘의 단계들은 하드웨어로 직접 구현되거나, 하드웨어에 의해 실행되는 소프트웨어 모듈로 구현되거나, 또는 이들의 결합에 의해 구현될 수 있다. 소프트웨어 모듈은 RAM(Random Access Memory), ROM(Read Only Memory), EPROM(Erasable Programmable ROM), EEPROM(Electrically Erasable Programmable ROM), 플래시 메모리(Flash Memory), 하드 디스크, 착탈형 디스크, CD-ROM, 또는 본 발명이 속하는 기술 분야에서 잘 알려진 임의의 형태의 컴퓨터 판독가능 기록매체에 상주할 수도 있다.The steps of the method or algorithm described in connection with the embodiment of the present invention may be implemented directly in hardware, implemented as a software module executed by hardware, or a combination thereof. Software modules include Random Access Memory (RAM), Read Only Memory (ROM), Erasable Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), Flash Memory, hard disk, removable disk, CD-ROM, or It may reside on any type of computer-readable recording medium well known in the art to which the present invention pertains.
이상, 첨부된 도면을 참조로 하여 본 발명의 실시예를 설명하였지만, 본 발명이 속하는 기술분야의 통상의 기술자는 본 발명이 그 기술적 사상이나 필수적인 특징을 변경하지 않고서 다른 구체적인 형태로 실시될 수 있다는 것을 이해할 수 있을 것이다. 그러므로, 이상에서 기술한 실시예들은 모든 면에서 예시적인 것이며, 제한적이 아닌 것으로 이해해야만 한다. In the above, embodiments of the present invention have been described with reference to the accompanying drawings, but those skilled in the art to which the present invention pertains can be implemented in other specific forms without changing the technical spirit or essential features. You can understand. Therefore, the embodiments described above are illustrative in all respects and should be understood as non-limiting.

Claims (17)

  1. 결제서버에 의해 수행되는,Performed by the payment server,
    관리자 어플리케이션에 가상법인카드번호 생성조건을 설정하되, 상기 관리자 어플리케이션은 법인카드 관리자의 사용자단말에 설치되는 것으로서, 실제법인카드번호를 탐색하는데 이용되는 가상법인카드번호를 생성하는 것인, 가상법인카드번호 생성조건 설정단계;The virtual corporate card number generation condition is set in the manager application, but the manager application is installed in the user terminal of the corporate card manager, and generates a virtual corporate card number used to search for the actual corporate card number. Number generation condition setting step;
    상기 관리자 어플리케이션에 의해 제1임직원에게 발급된 제1가상법인카드번호를 획득하되, 상기 제1가상법인카드번호는 상기 제1임직원이 가상법인카드번호를 요청한 시점에 상기 관리자 어플리케이션에 의해 생성된 것인, 제1가상법인카드번호 획득단계; 및Obtaining a first virtual corporation card number issued to a first employee by the manager application, wherein the first virtual corporation card number is generated by the manager application at the time the first employee requests the virtual corporation card number Person, first virtual corporation card number acquisition step; And
    상기 제1가상법인카드번호를 기반으로 탐색된 실제법인카드번호로 결제를 수행하는, 결제수행단계;를 포함하는, 가상법인카드 기반의 금융거래를 제공하는 방법.A method for providing a financial transaction based on a virtual corporate card, including; performing payment with the actual corporate card number searched based on the first virtual corporate card number.
  2. 제1항에 있어서,According to claim 1,
    상기 제1가상법인카드번호는 가상법인카드번호를 요청한 시점에 대응되는 시간데이터를 기반으로 생성되고, 다른 시점에 생성되는 가상법인카드번호와 중복되지 않는 것인, 가상법인카드 기반의 금융거래를 제공하는 방법.The first virtual corporate card number is generated based on time data corresponding to the time when the virtual corporate card number is requested, and does not overlap with the virtual corporate card number generated at other times. How to provide.
  3. 제1항에 있어서,According to claim 1,
    상기 제1가상법인카드번호 획득단계는,The step of obtaining the first virtual corporation card number,
    제1가상임직원카드번호에 의해 탐색된 저장영역에서 상기 제1가상법인카드번호를 추출하여 획득하는 것을 특징으로 하며,Characterized in that obtained by extracting the first virtual corporation card number from the storage area searched by the first virtual employee card number,
    상기 제1가상임직원카드번호는 임직원 어플리케이션에 사전 저장된 가상임직원카드번호생성함수에 의해 자체적으로 생성된 것으로서, 단위시간마다 변경되는 것인, 가상법인카드 기반의 금융거래를 제공하는 방법.The first virtual employee card number is self-generated by a virtual employee card number generation function stored in advance in the employee application, and is changed every unit time, a method for providing a virtual corporate card-based financial transaction.
  4. 제1항에 있어서,According to claim 1,
    상기 제1가상법인카드번호 획득단계는,The step of obtaining the first virtual corporation card number,
    제1공카드번호에 의해 탐색된 저장영역에서 상기 제1가상법인카드번호를 추출하여 획득하는 것을 특징으로 하며,Characterized in that obtained by extracting the first virtual corporation card number from the storage area searched by the first blank card number,
    상기 제1공카드번호는, 상기 제1임직원이 임직원 어플리케이션에 등록한 공카드에 저장된 번호로서, 상기 제1가상법인카드번호가 저장된 저장영역에 연결된 것이며,The first blank card number is a number stored in a blank card registered in the employee application by the first employee, and is connected to a storage area in which the first virtual corporation card number is stored,
    상기 공카드는 표면 상에 번호가 기재되지 않는 것인, 가상법인카드 기반의 금융거래를 제공하는 방법.The blank card is a method for providing a financial transaction based on a virtual corporate card that does not have a number on the surface.
  5. 제1항에 있어서,According to claim 1,
    상기 제1가상법인카드번호 획득단계는,The step of obtaining the first virtual corporation card number,
    상기 제1임직원이 상기 제1가상법인카드번호를 별도의 모바일 결제서비스에 등록하여 사용하는 경우,When the first employee registers and uses the first virtual corporation card number in a separate mobile payment service,
    상기 결제서버가, 상기 제1임직원이 상기 모바일 결제서비스를 이용하여 법인카드 결제를 이용 시, 모바일 결제서비스서버로부터 상기 제1가상법인카드번호에 포함된 식별자번호(BIN)를 기반으로 수신하는 것을 특징으로 하는, 가상법인카드 기반의 금융거래를 제공하는 방법.When the payment server uses the corporate card payment using the mobile payment service, the payment server receives from the mobile payment service server based on an identifier number (BIN) included in the first virtual corporation card number. A method of providing a financial transaction based on a virtual corporate card, characterized in that.
  6. 제1항에 있어서,According to claim 1,
    상기 결제수행단계는,The payment execution step,
    상기 제1가상법인카드번호가 관리자 어플리케이션에 의해 생성된 가상법인카드번호인지 확인하여 결제 승인하는 것을 특징으로 하는, 가상법인카드 기반의 금융거래를 제공하는 방법.A method for providing a financial transaction based on a virtual corporate card, characterized in that the first virtual corporate card number is a virtual corporate card number generated by a manager application and payment is approved.
  7. 제6항에 있어서,The method of claim 6,
    상기 결제수행단계는,The payment execution step,
    상기 제1가상법인카드번호가 상기 제1가상법인카드번호에 의해 탐색된 저장영역에 저장되어 있는 가상법인카드번호와 일치하는지 확인하는 단계; 및Checking whether the first virtual corporation card number matches the virtual corporation card number stored in the storage area searched for by the first virtual corporation card number; And
    상기 제1가상법인카드번호를 기반으로 실제법인카드번호를 탐색하는 단계;를 포함하는, 가상법인카드 기반의 금융거래를 제공하는 방법.A method for providing a financial transaction based on a virtual corporate card, including; searching for an actual corporate card number based on the first virtual corporate card number.
  8. 제7항에 있어서,The method of claim 7,
    상기 제1가상법인카드번호는, 실제법인카드번호를 탐색하는데 이용되는 복수의 세부코드를 포함하고,The first virtual corporate card number includes a plurality of detailed codes used to search for an actual corporate card number,
    상기 복수의 세부코드는 실제법인카드번호 탐색을 위한 상관관계를 가지고 있고,The plurality of detailed codes have a correlation for searching the actual corporate card number,
    상기 실제법인카드번호는 상기 복수의 세부코드 중 하나 이상의 세부코드와 대응하는 경유지점을 경유하여, 상기 경유지점으로부터 상기 상관관계를 기반으로 연산하여 탐색되는, 가상법인카드 기반의 금융거래를 제공하는 방법.The actual corporate card number provides a virtual corporate card-based financial transaction that is searched by calculating based on the correlation from the transit point through a transit point corresponding to one or more detailed codes of the plurality of detailed codes. Way.
  9. 제1항에 있어서,According to claim 1,
    임직원 어플리케이션 또는 관리자 어플리케이션으로부터 상기 제1가상법인카드번호를 수신하여 사용 등록하되, 상기 임직원 어플리케이션은 상기 관리자 어플리케이션으로부터 생성된 상기 제1가상법인카드번호를 제공받은 임직원의 어플리케이션인, 제1가상법인카드번호 등록단계;를 더 포함하는, 가상법인카드 기반의 금융거래를 제공하는 방법.Registered for use by receiving the first virtual corporation card number from an employee application or a manager application, but the employee application is the first virtual corporation card, which is an application of an employee who received the first virtual corporation card number generated from the manager application Number registration step; Method for providing a financial transaction based on a virtual corporate card further comprising.
  10. 제9항에 있어서,The method of claim 9,
    상기 제1가상법인카드번호 등록단계는,The first virtual corporation card number registration step,
    상기 임직원 어플리케이션으로부터 가상법인카드번호를 수신하는 경우,When receiving a virtual corporate card number from the above employee application,
    상기 임직원 어플리케이션에 등록 시 부여되는 UID(User identification)를 탐색하는 단계;Searching for a user identification (UID) given when registering in the employee application;
    상기 UID에 연결된 저장영역에 수신한 가상법인카드번호를 저장하는 단계;Storing the received virtual corporate card number in a storage area connected to the UID;
    상기 수신한 가상법인카드번호를 기반으로 CID(Company identification)를 탐색하는 단계; 및Searching for a company identification (CID) based on the received virtual corporate card number; And
    상기 CID에 연결된 저장영역에 상기 수신한 가상법인카드번호를 저장하는 단계;를 포함하는, 가상법인카드 기반의 금융거래를 제공하는 방법.Storing the received virtual corporate card number in a storage area connected to the CID; Method for providing a financial transaction based on a virtual corporate card.
  11. 제10항에 있어서,The method of claim 10,
    상기 CID에 연결된 저장영역에는 상기 수신한 가상법인카드번호와 매칭하여 상기 가상법인카드번호 생성조건이 저장되고,The virtual corporate card number generation condition is stored in a storage area connected to the CID by matching the received virtual corporate card number,
    상기 가상법인카드번호 생성조건은 유효기간 또는 사용한도를 포함하는, 가상법인카드 기반의 금융거래를 제공하는 방법.The virtual corporate card number generation condition includes an expiration date or limit of use, a method of providing a virtual corporate card-based financial transaction.
  12. 제11항에 있어서,The method of claim 11,
    상기 유효기간 만료 시, 상기 CID에 연결된 저장영역에 저장된 상기 가상법인카드번호는 비활성화 또는 삭제되는, 가상법인카드를 기반으로 금융거래를 제공하는 방법.When the expiration of the validity period, the virtual corporate card number stored in the storage area connected to the CID is deactivated or deleted, a method of providing a financial transaction based on a virtual corporate card.
  13. 제10항에 있어서,The method of claim 10,
    상기 수신한 가상법인카드번호에 포함된 식별자번호(BIN)를 기반으로 상기 수신한 가상법인카드번호가 법인카드 그룹에 해당하는지 확인하는 단계;를 더 포함하는, 가상법인카드 기반의 금융거래를 제공하는 방법.Providing a financial transaction based on a virtual corporate card further comprising; checking whether the received virtual corporate card number corresponds to a corporate card group based on an identifier number (BIN) included in the received virtual corporate card number How to.
  14. 제10항에 있어서,The method of claim 10,
    상기 제1가상법인카드번호 등록단계는,The first virtual corporation card number registration step,
    상기 관리자 어플리케이션으로부터 임직원식별정보를 수신하는 단계; 및Receiving employee identification information from the manager application; And
    상기 CID에 연결된 저장영역에 상기 임직원식별정보를 상기 가상법인카드번호와 매칭하여 저장하는 단계;를 더 포함하는, 가상법인카드를 제공하는 방법.The method of providing a virtual corporation card further comprising, matching and storing the employee identification information with the virtual corporation card number in a storage area connected to the CID.
  15. 하드웨어인 컴퓨터와 결합되어, 제1항 내지 제14항 중 어느 한 항의 방법을 실행시키기 위하여 매체에 저장된, 가상법인카드를 기반으로 금융거래를 제공하는 프로그램.A program for providing financial transactions based on a virtual corporate card, which is combined with a computer as hardware and stored in a medium to execute the method of any one of claims 1 to 14.
  16. 관리자 어플리케이션에 가상법인카드번호 생성조건을 설정하되, 상기 관리자 어플리케이션은 법인카드 관리자의 사용자단말에 설치되는 것으로서, 실제법인카드번호를 탐색하는데 이용되는 가상법인카드번호를 생성하는, 가상법인카드번호 생성조건 설정부;A virtual corporate card number generation condition is set in the manager application, but the manager application is installed on the user terminal of the corporate card manager, and generates a virtual corporate card number used to search for the actual corporate card number. Condition setting unit;
    상기 관리자 어플리케이션에 의해 제1임직원에게 발급된 제1가상법인카드번호를 획득하되, 상기 제1가상법인카드번호는 상기 제1임직원이 가상법인카드번호를 요청한 시점에 상기 관리자 어플리케이션에 의해 생성된 것인, 제1가상법인카드번호 획득부; 및Obtaining a first virtual corporation card number issued to a first employee by the manager application, wherein the first virtual corporation card number is generated by the manager application at the time the first employee requests the virtual corporation card number Person, the first virtual corporation card number acquisition unit; And
    상기 제1가상법인카드번호를 기반으로 탐색된 실제법인카드번호로 결제를 수행하는, 결제수행부;를 포함하는, 가상법인카드 기반의 금융거래를 제공하는 시스템.A system for providing a financial transaction based on a virtual corporate card, including; a payment execution unit that performs payment with an actual corporate card number searched based on the first virtual corporate card number.
  17. 제16항에 있어서,The method of claim 16,
    임직원 어플리케이션에 등록 시 부여되는 UID를 탐색하는, UID탐색부;A UID search unit that searches for a UID given when registering in an employee application;
    상기 제1가상법인카드번호를 기반으로 CID를 탐색하는, CID탐색부; 및A CID search unit that searches for a CID based on the first virtual corporation card number; And
    상기 제1가상법인카드번호를 기반으로 실제법인카드번호를 탐색하는, 실제법인카드번호탐색부;를 더 포함하는, 가상법인카드 기반의 금융거래를 제공하는 시스템.A system for providing a financial transaction based on a virtual corporate card further comprising; a real corporate card number search unit for searching for a real corporate card number based on the first virtual corporate card number.
PCT/KR2020/001755 2019-02-08 2020-02-07 Virtual corporate card-based financial transaction providing method, program and system WO2020162706A1 (en)

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CN202080006924.6A CN113196323A (en) 2019-02-08 2020-02-07 Financial transaction providing method, program and system based on virtual legal card
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