The present invention relates to a virtual token-based settlement providing system, a virtual token generation apparatus, a virtual token verification server, a virtual token-based settlement providing method, and a virtual token-based settlement providing program. The present invention comprises: a step for receiving a virtual token provided by a virtual token generation means, by a virtual token verification means (S200); a step for extracting multiple detailed codes included in the virtual token by the virtual token verification means (S400); a step for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual token verification means (S1000); and a step for transmitting the searched actual card number to a payment settlement service server or a financial company server (S 1200).
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