Method for generating one-time card number

Abstract

Provided is a method of generating one-time code that can enable credit payment with improved security to be carried out by enabling one-time code to be generated in a such a way that the one-time code issued to a payment device cannot be inferred or expected by other persons. The method of generating one-time code, which is performed by a card company server providing one-time codes to payment devices when one-time codes are requested by the payment devices, the method, comprising steps of: allocating the payment devices to an index table according to an order of one-time codes being requested when the one-time codes are requested from the payment devices; obtaining digit strings from a one-time code table having one-time codes using target addresses non-sequentially provided in an index table; and generating the one-time codes including the digit strings and a Bank Identification Number (BIN) in a published state.

Description

technical field [0001] The present invention relates generally to methods for generating one-time codes, and more particularly, to methods for generating one-time codes that can be used in a mobile environment by a payment device (e.g., a smartphone) that uses one-time codes. and portable cellular phones) and can increase the security of payments by mobile means by being able to generate one-time codes in such a way that the one-time codes cannot be expected by others. Background technique [0002] Usually, the volume of cash is proportional to the total amount of money required for payment, but in the case of credit cards, the use of credit cards is convenient, and there is also the possibility of performing payments by bringing a medium in the form of a plastic card close to or attached to a card reader convenience without having to consider the total amount of payment. [0003] The credit card is configured as follows: emboss or depress a 16-digit number string (digit st...

AI Technical Summary

Problems solved by technology

[0006] However, in Korean Laid-Open Patent Publication No. 10-2001-0112546, since temporary credit card number generation servers for issuing temporary credit card numbers should be added to the credit card reader, relay server, and card company server in order, respectively, , and the validity of the temporarily generated temporary credit card number should be verified by the server of the credit card company, so the payment process may be delayed or may become complicated

Furthermore, no method for generating a temporary credit card number is specified in Korean Laid-Open Patent Publication No. 10-2001-0112546, and in this case, a method for assigning consecutively generated number strings to user terminals is generally used, and Therefore, there is a possibility that the generated temporary credit card number will be deduced by hackers or others

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