WO2020162706A1 - Procédé, programme et système de fourniture de transaction financière fondée sur une carte d'entreprise virtuelle - Google Patents

Procédé, programme et système de fourniture de transaction financière fondée sur une carte d'entreprise virtuelle 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
English (en)
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 EP20752730.0A priority Critical patent/EP3754580A4/fr
Priority to CN202080006924.6A priority patent/CN113196323A/zh
Priority to EP23184698.1A priority patent/EP4231220A3/fr
Priority to SG11202011498UA priority patent/SG11202011498UA/en
Priority to JP2021531571A priority patent/JP7273965B2/ja
Priority claimed from KR1020200014716A external-priority patent/KR102269922B1/ko
Publication of WO2020162706A1 publication Critical patent/WO2020162706A1/fr
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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  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé, un programme et un système de fourniture de transaction financière fondée sur une carte d'entreprise virtuelle. Le procédé de fourniture de transaction financière fondée sur une carte d'entreprise virtuelle est mis en œuvre par un serveur de paiement et peut comprendre : une étape de configuration de condition de génération de numéro de carte d'entreprise virtuelle permettant de configurer, dans une application administrateur, une condition de génération d'un numéro de carte d'entreprise virtuelle, l'application administrateur étant installée dans un terminal d'utilisateur d'un gestionnaire de carte d'entreprise et générant un numéro de carte d'entreprise virtuelle utilisé pour récupérer un numéro de carte d'entreprise réel ; une première étape d'acquisition de numéro de carte d'entreprise virtuelle permettant d'acquérir un premier numéro de carte d'entreprise virtuelle émis en sortie vers un premier employé par l'application administrateur, le premier numéro de carte d'entreprise virtuelle étant généré par l'application administrateur au moment où le premier employé demande un numéro de carte d'entreprise virtuelle ; et une étape de paiement permettant d'effectuer un paiement à l'aide d'un numéro de carte d'entreprise réel récupéré en fonction du premier numéro de carte d'entreprise virtuelle.
PCT/KR2020/001755 2019-02-08 2020-02-07 Procédé, programme et système de fourniture de transaction financière fondée sur une carte d'entreprise virtuelle WO2020162706A1 (fr)

Priority Applications (6)

Application Number Priority Date Filing Date Title
EP20752730.0A EP3754580A4 (fr) 2019-02-08 2020-02-07 Procédé, programme et système de fourniture de transaction financière fondée sur une carte d'entreprise virtuelle
CN202080006924.6A CN113196323A (zh) 2019-02-08 2020-02-07 基于虚拟法人卡的金融交易提供方法、程序以及系统
EP23184698.1A EP4231220A3 (fr) 2019-02-08 2020-02-07 Procédé, programme et système pour fournir une transaction financière basée sur une carte d'entreprise virtuelle
SG11202011498UA SG11202011498UA (en) 2019-02-08 2020-02-07 Method, program, and system for providing virtual corporate card-based financial transaction
JP2021531571A JP7273965B2 (ja) 2019-02-08 2020-02-07 バーチャル法人カード基盤の金融取引を提供する方法、プログラム及びシステム
US17/022,847 US20200410476A1 (en) 2019-02-08 2020-09-16 Method, program, and system for providing virtual corporate card-based financial transaction

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KR20190015223 2019-02-08
KR10-2019-0015223 2019-02-08
KR10-2020-0014716 2020-02-07
KR1020200014716A KR102269922B1 (ko) 2019-02-08 2020-02-07 가상법인카드 기반의 금융거래를 제공하는 방법, 프로그램 및 시스템

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