Virtual Card Number Structure for Secure Real Card Lookup
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Solution Overview
Problem
Existing methods for financial transactions using virtual card numbers lack a secure way to search for real card numbers without revealing user or device identification information, and existing solutions like one-time passwords are difficult to apply universally.
Innovation Solution
A system and method that generates a virtual card number with a fixed code and detailed codes, where the detailed codes are used to search for a real card number based on a specific rule, allowing for secure financial transactions without revealing identification information, using a virtual card number generating device and verifying device with the same virtual card number generation function.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a real card number is written on a card surface without change, then the card number can be used for transactions, but the card number may be visually flowed out to others and hacked
Solution Approach 1:
The patent applies dynamics by making the card number changeable over time. The virtual card number is generated dynamically based on the real card number and a change value that varies with time, ensuring that the card number displayed and used for transactions is not static but continuously changing, thereby preventing visual theft and hacking while maintaining transaction functionality
Solution Approach 2:
The patent uses copying by creating a virtual copy of the real card number. Instead of using the real card number directly, a virtual card number is generated as a copy that contains encoded information of the real card number plus a change value. This virtual copy can be used for transactions without exposing the original real card number
2Reliability
If a virtual card number is generated to prevent real card number hacking, then security is improved, but a separate procedure for identifying user or device information is needed
Solution Approach 1:
The patent merges the identification information with the virtual card number generation process. The verifying means combines the virtual card number and the change value to extract the real card number, eliminating the need for separate identification procedures. The identification data is integrated into the card number structure itself through the encoding of the real card number within the virtual card number
Solution Approach 2:
The system applies self-service by enabling the virtual card number and change value to automatically identify and extract the real card number without requiring external identification information. The verifying means uses the relationship between the virtual card number, change value, and real card number to self-identify and process transactions without additional user input or separate identification steps
3Reliability
If a virtual card number is changed in real time, then security against hacking is improved, but it becomes difficult to apply to various areas without identification information
Solution Approach 1:
The patent achieves universality by designing a virtual card number system that can be applied across multiple transaction scenarios without requiring different identification procedures. The same virtual card number generation and verification mechanism works for various card types and transaction contexts, making the system universally applicable while maintaining real-time changeability for security
Solution Approach 2:
The patent uses parameter changes by modifying the virtual card number based on a change value that varies with time and transaction context. The real card number is encoded within the virtual card number structure, and the change value parameter allows the virtual card number to dynamically adapt to different situations while maintaining its security properties and applicability across various areas
Data Source
AI summary
A system, a method, and a program for providing a financial transaction by a virtual card number, a virtual card number generating device, and a virtual card number verifying device are provided. The method includes receiving, by a virtual card number verifying means, a virtual card number provided from a virtual card number generating means, extracting, by the virtual card number verifying means, a plurality of detailed codes included in the virtual card number, searching, by the virtual card number verifying means, for a storage location of a real card number based on the plurality of detailed codes, and proceeding, by the virtual card number verifying means, with the financial transaction or requesting, by the virtual card number verifying means, to proceed with the financial transaction using the real card number extracted from the storage location.