201101779 六、發明說明： 【發明所屬之技術領域】 本發明係關於一種電子錢包驗證方法 ^ 尤指一種於銀 行飼服器與该行動通訊裝置間之驗證方法。 【先前技術】 Ο 上目前可以直接使科機來射購買的方心純 用信用卡資訊的方式，可將交易大略分為三種方式：於六 易中直接打字輸入信用卡卡號資訊、使用事儲ς201101779 VI. Description of the Invention: [Technical Field] The present invention relates to an electronic wallet verification method ^ and particularly to a verification method between a silver-feeding device and the mobile communication device. [Prior Art] 目前 At present, you can directly use the credit card information to purchase the card, and you can divide the transaction into three ways: directly type in the credit card number information in the six easy to use, use the store
卡中的信用卡卡號資訊、和使用S 一方事則約疋的代號或帳號來交易。 例如發明公開公報公開編號2〇〇725459「 ㈣卡行動付款認證方法」便是第—種 結帳，接著消費者須自行在手機上！ 訊從二=二=*及特約商店代號’然後付款資 傳電4 λ司的連線伺服器，再傳送到電信掌者 傳位於網路商店機房内的交易伺服器，最後 手銀行來完成交易授權’此方式要求消費者在其 及使用不便，並且無法阻止消費者使用盜取的信 古舌作^Λ開么報公開編號200803435「一種使用行動電 使用2子票證付款之方法及其裝置」便是第二種方式’ 、、〜行動電話的複合式個人識別晶片（c〇mbi_siM)來 4 201101779 方式必須與特定電信業者合作來使用 信業者才能使用。卡〇此，为費者可能須要轉換其電 =卜=公開公報公開編號細⑽68「—種以手持 •費者= :款工具的方法」則是第三種方式，消 =付款平台來提供其㈣認證、採購金額、和商店^ Q貝方的電話號碼給付款平台，付款平台回鹿唯眷本一 來宗忐敕#^且各 ，、兔°舌輸入冋忍接受此筆交易 用二:=* Γ式中’消費者必須事先提供其信 用卡貝I給弟二者亚依賴第三者來完 費者大多不相信銀行外的金融經營者。 [疋目月以 Q 【發明内容】 勺功：述問題’以提供手機上非晶片制的電子錢 “：來:成用盜取的信用卡資訊且不須依賴 == 之目的係提供-種電子錢包驗 -系、，充，其可讓銀行直接傳送行動錢包資訊到一行 裝置亡’並且可讓消費者於行動交易中使用可信動 錢包貧訊進行交易。 、〕订動 為了達成上述之目的，本㈣係提供1 證糸統，係包含：-銀行伺服器與-行動通訊裝置。驗 5 201101779 該銀行伺服Is係用以接收一登錄資訊，該登錄資訊係 包含-登錄手機電話號碼、-支付資料、及一行動錢包密 碼’該銀行伺服器係包含-簡訊模組與一加密模組。該簡 訊模組係依據該登錄手機電話號碼用以發出一開通簡訊， '以及接收-確認簡訊。該加密模組係於該簡訊模組接收到 該確認簡訊時，依據該行動錢包密碼加密—手機識別碼、該 登錄手機電話號碼、及該支付資料以形成—行動錢包資訊。 〇 肖行動通絲置係設有—手機識別碼及-手機電話號 碼，該打動通訊裝置係包含—通訊模、組、一交易模組與一 儲存模組。該通訊模組係用以接收該開通簡訊。該交易模 ，係用以依據㈣通簡訊回覆财認簡訊於該銀行飼服 器’該確認簡訊係包含該手機識別碼與該手機電話號碼。 該儲存模組係用以儲存該行動錢包資訊。 為了達成上述之目的，本發明另提供一種電子錢包驗 證方法’係包括下列步驟：傳送一登錄資訊於一銀行饲服 0器、’該登錄資訊係包含-支付資料、一行動錢包密碼與一 登錄手機電話號碼。依據該登錄手機電話號碼，經由該銀 ^伺服器發送-開通簡訊至—行動通訊裳置。接收該開通 簡訊後，將該行動通訊裝置之手機識別碼與手機電 形成-讀認簡訊，並將該確認簡訊傳輸於該銀行飼服器: 當该登錄手機電話號碼與該手機電話號碼相同時，經由該 銀行伺服器依據該行動錢包密碼加密該之支付資料、登錄 手機電話號碼、與手機識別碼以形成一行動錢包資訊，以 及於該行動通訊裝置儲存該行動錢包資訊。 、° 6 201101779 肖ft者使肖本發明進行電子錢包交^時，使該行動通訊 破置從-商店交易裝置接收一交易資訊，輸入行動錢包密碼 以解密該行動錢包資訊，比對該行動錢包資訊内之手機識別 ，與該行動通訊裝置之手機識別碼相符時 ，依據行動錢包資 钟次付、料’將该乂易資訊、該手機電話號碼、與該支 卞貝；:”經由該通訊模組形成—電子錢包交易資訊，並傳送於 5亥銀行伺服器。 Ο Ο 亡所34 mx本發明進行電子錢包交易時，僅 動錢包密碼，並不需要如習知技術般輸人大量信用 包次fr ^提^肖費者使用上之便利，並且需該行動錢 符二Γ内=手機識別碼與該行動通訊裝置之手機識別瑪需相 π、隹此進仃仃動錢包資訊的傳輸，可阻止他人使用盜取的資 3凡進行消費。 杆說2月之電子錢包㈣與支付資料等資料僅於消費者之 本喜與銀彳τ之銀行伺服11間傳遞，並不會將消費者 包用卡等資訊，提供給第三者，可以大幅增加電子錢 ^ 之女全性。另外，本發明僅需使用-般之行動通訊 發罗署”不需如習知般需要特製的SIM卡及特殊的手機硬 置，可提高消費者使之使用意願。 所附發明之優點與精神可以藉由以下的發明詳述及 寸圖式件到進一步的瞭解。 實施方式】 凊參閱第-圖，係本發明之電子錢包驗證系統丨_。電 7 201101779 子錢包驗證系統1000係用以提供一消費者建立及使用電子 錢包進行消費時與銀行間之資料驗證方式。 一於本發明之第一實施例中，電子錢包驗證系統1000係包 置⑽…銀行舰器·、-行動通訊裝置·、 與一商店交易裝置400。 提雷月電腦^置1〇0係可為一個人電腦、—個人數位助理、手 尚或智慧型手機等具有通訊功能之電腦裂置1⑻。 Ο ο =置100可具有一輕器11〇。觀器ΐι〇可經由麽網 路”銀仃伺服器200之網頁模組22〇進 " ⑴。消費者可經由網頁m輪人-登錄資網頁 組220。 貝況以傳輸於網頁模 銀行伺服器200係可設置於一銀行内， 係包含-銀行中央處理模組2丨Q 5服^ 2 0 0 咖、一記憶模請、—簡訊模組:：；2^ —資料庫 證模組260、與一加密模!且270。 科拉組、一驗 銀行中央處理模組21〇係可為一 其相關電路所構成，其用以控制及操作與2器（咖）及 模組220、資料庫23〇、記憶模組24Q、簡:上述之網頁 模組260、與加密模組27〇。 門讯杈組250、驗證 網頁模組22G係可由程式及網路 際網路與電縣請之劉覽器 係:透過網 錄資訊，並將錄資訊儲存於 以接收該登 模組22G接收該登錄資訊後，即可傳送另1 於網頁 之開通驗證碼於網頁1 1 1， 、、， /登錄資訊關聯 /、消費者财’射將該開通驗 8 201101779 證碼儲存於一記憶模組240中暫時保存，記憶模組24〇係可 為一記憶體。 上述之登錄資訊係可包含一登錄手機電話號碼、一支付 料〃、行動錢包密碼，該支付資料係可包含一帳戶資料、 4口用卡> 料、與一銀行通訊資料，該帳戶資料係消費者利 用本發明進行消費時可供銀行扣款之帳戶資料，該銀行通訊 資料係可為銀行接收一電子錢包交易資訊的電話號碼。 0 簡汛模組250係可由程式及網路卡等硬體所構成，簡訊 模組250可透過網際網路與一電信業者之基地台耦接，以透 過該基地台發送簡訊。簡訊模組250之程式與所構成之硬 體，以及簡訊模組250如何透過基地台發送簡訊係為一習知 之技術，在此不多作說明。 簡訊模組250係可依據該登錄手機電話號碼用以發出一 開通簡訊，以及接收一確認簡訊，該確認簡訊係包含一由消 費者輸入之確認驗證碼與行動通訊裝置300設置之一手機識 q 別碼與一手機電話號碼。當網頁模組220接收該登錄資訊 時，銀行中央處理模組21〇係可命令簡訊模組250依據該登 錄手機電話號碼發出該開通簡訊，於行動通訊裝置3〇〇。 驗證模组260係可為一程式並可儲存於記憶模組24〇 内，當簡訊模組250接收到該確認簡訊時，銀行中央處理模 組210係命令驗證模組260驗證該開通驗證碼與該確認驗證 碼是否相同’並將判斷結果傳回銀行中央處理模組21〇。 加密模組270係可為一程式並可儲存於記憶模組24〇 内，當簡訊模組250接收到該確認簡訊，並且驗證模組26〇 9 201101779 驗證該開通驗證㉝與树認驗證碼相同時，銀行巾 組210係依據該確認簡訊之手機電話號碼控制加密桓组270 讀取資料庫230中所對應之登錄資訊。加密模組27〇並料 錄貝《之_錄手機電_碼㈣支付㈣ ㈣訊内之手機識別碼加密以形成—行動錢包資訊。 組謂係I依據該行動錢包密碼加密該行動錢包資訊 Ο Ο 後，加密模組27G製作崎動錢包資訊 俜僂::一：1二#訊傳輸於簡訊模組250 ’簡訊模組250 置訊之行動錢包簡訊於行動通訊裝 仃々動通3fl裝置3GQ係可為—手機或—個人數位助理 (PDA)等具有通訊功能之行動通訊裝置卿，行動通訊 =〇係设有-手機識別碼及一手機電話號碼，於全球通 3:置3〇°均設有一唯—手機識別碼，因此可作識別行動通置 士00之用途。該手機電話號碼係為他人欲與行動通訊妓通訊 7所需撥打德i，摘軌裝置3⑻可朗驗SIM(subs_ _ty Module)卡更換行動通訊裝置3〇〇之手機電話號碼。 行動通訊裝置300係可包含—中央處理模組31〇、 =組^ -交易模組330、—輸入介面蝴、一識別模組 360 ' 370 中央處理模組M0係可為一中央處理 =所構成，其用以控制及操作與耦接於上述之通 父易模組330、儲存模組36〇、識別模組35〇、與交易 201101779 資訊接收模組380等模組。 通訊模組320係可包含天線等相關硬體，行動通 3⑽係可透過通訊模組，其他之行動通訊裝置進行通訊 谋收發間说，通訊換！旦20係為一習知技術在此不 釋。通訊模組320斜用㈣收由銀行伺服器傳來之開 =訊’該手機識別碼及該手機電話號瑪係可設置於通訊模組 •320 〇 〇 交易模組33G係1為〜#式，並可儲存於儲 内，消費者可以經由網際網路下載並儲存於行； 300中使用，因此本發明不需特玫 °衣置 通訊裝置300接收到該開通簡訊時，:置2㈣ 33。並由網頁m所讀取開通驗證碼以輸入一確：:組 交易模組33㈣可於義= 機電話號碼，並依據該開通簡訊回覆一確認簡訊於銀^ = 器綱，該確⑽訊係可包含該手機識別碼與 $ Q碼與該確認驗證碼。 R ^-古现 交易模組330亦可用以將行動通訊^ _ 動錢包資訊解密’並可比對該㈣錢包資訊 = 與行動通訊裝置300設有之手機識 W㈣ 輸入介面则可為-設置於行動=_之鍵盤 組。輸入介面340係可用以供消費者輸入確認驗證碼。 識別模組350係可為-m可儲存於儲存模組· 内，消費者可以經由網際網路下載並儲存於行動通訊 300巾使用，因此本發日林師殊之行動通訊裝置。識別模 201101779 !經由通訊模組32G接收銀行飼服器細所傳來之行 後’係將該行動錢包資訊健存於丁動錢包資訊 細 =36〇係可為_記賴，制以輸 一貝说。父易貧訊接收模、组380 勒欠已 組，係用以接收由商店交易π牙或紅外線接收模 於另-，“丨：二所產生之交易資訊·。 、芮；层获：易貝轉收模組380係可為通訊模組320。The credit card number information in the card is traded with the code or account number of the party using the S party. For example, the invention publication number 2 725 459 "(4) Card Action Payment Authentication Method" is the first type of checkout, and then the consumer must be on the mobile phone by himself! From the second = two = * and special store code ' then payment the 4 λ Division's connection server, and then transmitted to the telecommunications master to pass the transaction server in the online store room, and finally the bank to complete the transaction Authorization 'This method requires consumers to use it and its inconvenience, and can not prevent consumers from using the stolen letter of the tongue to open the open number 200803435 "a method and device for using mobile phone to use 2 sub-ticket payment" This is the second way, ',, ~ mobile phone's composite personal identification chip (c〇mbi_siM) to 4 201101779 mode must work with a specific carrier to use the dealer to use. In this case, the fee may be required to convert the electricity = Bu = public bulletin public number (10) 68 "--handheld fee = method: the method of the tool" is the third way, eliminate = payment platform to provide its (4) Certification, purchase amount, and store ^ Q Beifang's phone number to the payment platform, payment platform back to Lu Weiwei this one to Zongtang #^ and each, rabbit ° tongue input 冋 accept this transaction with two: =* In the Γ式, 'consumers must provide their credit card in advance, and the other two rely on the third party to pay the fee. Most of the people who do not trust the financial operators outside the bank. [疋目月Q [Inventive content] Spoon work: The problem 'to provide non-wafer electronic money on mobile phones': Come to: use the stolen credit card information and do not need to rely on == Wallet inspection - system, charge, which allows banks to directly transmit mobile wallet information to a row of devices and can allow consumers to use the trusted wallet to trade in mobile transactions.], in order to achieve the above purposes This (4) provides 1 card system, including: - Bank server and mobile communication device. Test 5 201101779 The bank servo is used to receive a login information, the login information contains - login phone number, - Payment information, and a mobile wallet password 'The banking server includes a short message module and an encryption module. The short message module is based on the registered mobile phone number for issuing a text message, 'and receiving-confirming the newsletter. The encryption module is configured to encrypt, according to the mobile wallet password, the mobile phone identification code, the registered mobile phone number, and the payment data when the confirmation module receives the confirmation message. —Mobile Wallet Information. The 行动 行动 action 丝 置 设有 — 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机The transaction module is configured to receive the mobile phone identification code and the mobile phone number according to the (4) newsletter replying the financial information to the bank feeding device. The storage module is In order to achieve the above purpose, the present invention further provides an electronic wallet verification method comprising the steps of: transmitting a login information to a bank feeding service, and the login information includes - payment data. a mobile wallet password and a login mobile phone number. According to the registered mobile phone number, the mobile phone sends and activates the short message to the mobile communication device. After receiving the opening short message, the mobile communication device of the mobile communication device is recognized. Code and mobile phone formation - read the newsletter and transmit the confirmation message to the bank's feeder: when the phone number of the login phone and the hand When the phone number is the same, the mobile phone password is used to encrypt the payment data, the mobile phone number, and the mobile phone identification code to form a mobile wallet information, and the mobile wallet information is stored in the mobile communication device. ° 6 201101779 Xiao ft. makes Xiao Ben invent the e-wallet, so that the mobile communication breaks the transaction information from the store transaction device, enters the mobile wallet password to decrypt the mobile wallet information, and compares the mobile wallet information. The mobile phone identification inside, when it matches the mobile phone identification code of the mobile communication device, is paid according to the mobile wallet, and the information about the transaction information, the mobile phone number, and the mussel; Group formation - e-wallet transaction information, and transmitted to the 5 Hai Bank server. Ο Ο 亡 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 In the second sign = mobile phone identification code and the mobile phone identification device of the mobile communication device, the transmission of the wallet information can prevent others from using the stolen money. It is said that the e-wallet (4) and payment information in February will only be transmitted between the consumer's Benxi and the bank's servo server, and will not provide the consumer with a card and other information to the third party. Significantly increase the female fullness of electronic money ^. In addition, the present invention only needs to use the general mobile communication system. It does not need to have a special SIM card and a special mobile phone as required, which can increase the willingness of consumers to use. Advantages and spirit of the attached invention The following detailed description of the invention and the drawings can be further understood. Embodiments 凊 Refer to the figure, which is an electronic wallet verification system of the present invention 。_. Electric 7 201101779 Sub-wallet verification system 1000 is provided A method for verifying data when a consumer establishes and uses an electronic wallet for consumption and bank. In the first embodiment of the present invention, the electronic wallet verification system 1000 is provided with (10) ... bank ship, mobile communication device , with a store trading device 400. Tire month computer ^ set 1 〇 0 system can be a computer, personal digital assistant, hand or smart phone with communication function computer split 1 (8). Ο ο = set 100 There is a light device 11〇. The viewer ΐι〇 can be accessed via the webpage “Webpage Module 22 of Jubilee Server 200” (1). The consumer can log in to the web page group 220 via the web page m. The B-condition can be transmitted to the webpage. The bank server 200 can be set in a bank, including the bank central processing module 2丨Q 5 service^200 coffee, a memory module, and the newsletter module::; 2^ - Library certificate module 260, with an encryption module! and 270. The Cora Group and the Bank's Central Processing Module 21 can be composed of a related circuit for controlling and operating the 2 (coffee) and module 220, the database 23, the memory module 24Q, Jane: The above webpage module 260 and the encryption module 27〇. The door-to-door group 250 and the verification page module 22G are available from the program and the Internet and the electricity county. The information is stored in the website and the information is stored in the receiving module 22G. After logging in the information, you can send another 1 to the webpage to open the verification code on the webpage 1 1 1, , , / login information associated /, consumer wealth 'shoot the open pass 8 201101779 certificate stored in a memory module 240 For temporary storage, the memory module 24 can be a memory. The login information may include a login mobile phone number, a payment receipt, and a mobile wallet password. The payment data may include an account data, a 4-port card, and a bank communication data. The account information for the bank to be deducted by the consumer when using the present invention, and the bank communication data is a telephone number for the bank to receive an electronic wallet transaction information. The simple module 250 can be composed of hardware such as a program and a network card. The short message module 250 can be coupled to a carrier's base station via the Internet to transmit a text message through the base station. The programming of the SMS module 250 and the hardware it forms, as well as how the SMS module 250 transmits the messaging system through the base station, is a well-known technique and will not be described here. The SMS module 250 can send a text message according to the registered mobile phone number and receive a confirmation message, and the confirmation message includes a confirmation code input by the consumer and the mobile communication device 300. Do not code with a mobile phone number. When the webpage module 220 receives the login information, the bank central processing module 21 can instruct the short message module 250 to issue the opening short message according to the registered mobile phone number to the mobile communication device. The verification module 260 can be a program and can be stored in the memory module 24, when the SMS module 250 receives the confirmation message, the bank central processing module 210 commands the verification module 260 to verify the activation verification code and The confirmation verification code is the same 'and the judgment result is transmitted back to the bank central processing module 21〇. The encryption module 270 can be a program and can be stored in the memory module 24, when the SMS module 250 receives the confirmation message, and the verification module 26〇9 201101779 verifies that the activation verification 33 is the same as the verification code. At the time, the bank towel group 210 controls the login information corresponding to the encrypted packet 270 in the database 230 according to the mobile phone number of the confirmation message. Encryption module 27 〇 《 《 《 《 《 《 手机 手机 手机 手机 手机 手机 手机 手机 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四The group is based on the mobile wallet password to encrypt the mobile wallet information Ο Ο, the encryption module 27G produces the rugged wallet information ::: one: two two transmissions to the short message module 250 'smart module 250 Mobile wallet newsletter in mobile communication installation 3FL device 3GQ system can be - mobile phone or - personal digital assistant (PDA) and other mobile communication devices with communication functions, mobile communication = 设有 system - mobile phone identification code and A mobile phone number, in the global pass 3: set 3 〇 ° have a unique - mobile phone identification code, so it can be used to identify the action of the use of 00. The mobile phone number is for others to communicate with the mobile communication. 7 It is necessary to dial the dei, and the derailing device 3 (8) can verify the SIM (subs_ _ty Module) card to replace the mobile phone number of the mobile communication device. The mobile communication device 300 can include a central processing module 31, a group ^ - a transaction module 330, an input interface butterfly, and an identification module 360 370. The central processing module M0 can be a central processing unit. The module is used for controlling and operating and coupling to the above-mentioned parent-child module 330, storage module 36, identification module 35, and transaction 201101779 information receiving module 380. The communication module 320 can include related hardware such as an antenna, and the mobile communication 3 (10) can communicate with the communication module, and other mobile communication devices can communicate with each other. The 20 series is a conventional technique and will not be released here. The communication module 320 is used obliquely (4) to receive the transmission from the bank server = the mobile phone identification code and the mobile phone number can be set in the communication module • 320 〇〇 transaction module 33G system 1 is ~# And can be stored in the storage, the consumer can download and store in the line via the Internet; 300 is used, so the present invention does not require the special device to receive the opening newsletter: 2 (4) 33. And the verification code is read by the webpage m to input a certain:: the group transaction module 33 (4) can be used in the right = machine phone number, and according to the opening newsletter reply, a confirmation message is sent to the silver device, and the (10) system is The mobile phone identification code and the $Q code can be included with the confirmation verification code. The R^-Current transaction module 330 can also be used to decrypt the mobile communication ^ _ wallet information and can be compared to the (four) wallet information = mobile phone with the mobile communication device 300 (four) input interface can be - set in action =_ keyboard group. The input interface 340 is available for the consumer to enter a confirmation verification code. The identification module 350 can be stored in the storage module, and can be downloaded and stored in the mobile communication via the Internet. Therefore, the present invention is a mobile communication device. Identification module 201101779 ! After receiving the bank's feeding machine through the communication module 32G, the information is stored in the Ding dynamic wallet information fine = 36 〇 can be _ _ _, the system to lose one Bei said. The father is easy to receive the receiving model, the group 380 is owed to the group, which is used to receive the π tooth or infrared receiving mode from the store to another -, "丨: the transaction information generated by the second.., 芮; layer: Yibei The transfer module 380 can be a communication module 320.
^店父以置_係用以產生—交易資訊4Η)，並傳送 交易資訊410於行動通訊裝置3〇〇。 卫傳、 -之=本發明進行電子錢包交易時，可將欲購 貝：物==父易裝置4〇〇登記並產生—交易資訊_。 之<。占乂易褒置400可以一無線訊號傳送交易資味柳 於f易纽接收触細。此時消費者若儲存敝烟内存 =組找’交易模組33°可顯示-選單供消費者 動錢包資訊之彳湖咖衫梅_應於該行 交易模組330則依據該行動錢包密碼將所選擇之行動錢 包資訊解密，並崎該行動錢包#訊之时機識別碼鱼行動 通訊裝置300設有之手機朗碼是否相同，糾符則經由通 訊模組320傳送-電子錢包交易資訊於銀行词服器，該 電子錢包交易資訊係包含交易資訊41〇、該手機 與該支付資料。於本實施例中，該電子錢包交㈣訊^可為 一簡訊’於另—實施例中該電子錢包交㈣訊係可經由該通 訊模組320經由網際網路傳送於銀行伺服器2⑽。 201101779 最後’銀行伺服器200可依據該電子錢包 含之手機電話號碼或手機識別碼確認消f者，所包 資料與交易資訊410扣款。 遽依據该支付 於本發明之第二實施例中，與第—實施 密模組270所加密之行動錢包資訊係為-二維^的疋，加 錢包資訊係可經由該加密模故270處理，^碼°該行動 Ο Ο 形，並經由網頁模組220傳輪於㈣器n〇，:，一條碼圖 111上。 以顯示於網頁 行動通訊裝1 300更進—步包含 模組370係用以拍攝該行動錢包資訊以形成一:3:0像攝= 別模組350係用以將攝影模組370所拍攝之編:像。識 該行動錢包^訊，並傳送於儲存模組細儲存馬影像編譯為 請參閱第二圖與第二A圖，係為本發 步驟流程® ’下述之元件標號另請參閱第1。 ^ 消費者可於電腦裝置⑽_劉覽器u 器200之網頁模組22〇連 μ銀仃伺服 220所傳來之-烟百" 10亚接故由網頁模組 220所傳來之網頁⑴，消費者可於 號與-銀行密瑪，以登彳輪入一銀灯帳 七…^ 仃伺服器200 (步驟si〇i)。 4費者亦可利_覽器UG，傳送— 服器200之網頁模袓乃Λ如y山丄 ·>貝口ta龈仃例 錄資訊產生-開通驗古登碼；^處理模組210依據該登 llOJitMllii 馬δ亥開通驗證碼並傳輸於瀏覽器 ' ο登錄資訊係包含一支付資料、一登錚手 機電話號碼、與—行動錢包密碼(步驟 依據„兹且錄手機電話號碼，經由銀行饲服器·之簡訊 201101779 模組250發送一開通簡訊至—行動通訊裝置3〇〇(步驟sl〇5 )。 行動通訊裝置300接收該開通簡訊後，消費者啟動行動 通訊裝置300之一交易模組33〇以輸入一確認驗證碼，該確 認驗證碼係依據該開通驗證碼輪入（步驟S107)。 交易模組330將行動通訊裝置300之手機識別碼與手機 電話號碼與該開通驗證碼形成一確認簡訊，並將该確§忍簡讯 傳輸於銀行伺服器200 (步驟S109)。 驗證模組260係判斷該登錄手機電話號碼與該手機電話 〇 號碼是否相同以及驗證該開通驗證碼驗證是否通過（步驟 Sill)。 若於步驟S111不相同及不通過時，經由該銀行祠服器 200向瀏覽器11〇或行動通訊裝置300發出一錯誤訊息（步 驟 S113) 〇 若於步驟Sill，相同及通過時，經由加密模組270依據 該行動錢包密碼加密該支付資料、該登錄手機電話號碼、與手 q 機識別碼以形成一行動錢包資訊（步驟S121)。 簡訊模組250傳送包含該行動錢包資訊之一行動錢包簡 訊於行動通訊裝置3〇〇 (步驟S123)。 經由行動通訊裝置300之識別模組350識別該行動錢包 簡訊具有該行動錢包資訊時（步驟S125)，則行動通訊裝置 300之儲存模組360儲存該行動錢包資訊（步驟S127)。 請參閱第三圖與第三A圖，係為本發明之第二實施例之 步驟流程圖，下述之元件標號另請參閱第一圖。於第三圖與 第三A圖之步驟S201至S213與步驟S221係與第二圖與第 201101779 二：圖之步驟_至川3與步驟相同 之後，係可接續步驟S223至S229。 、’*幻21 w ln 項不5亥仃動錢包資訊於電腦裝置1〇n + λ 頁⑴，其中該行動錢包資訊係100之網 經由攝影模組柳拍攝網^】—維條碼(步驟如）。 成一編碼影像（步驟S221)。、上之灯動錢包資訊以形 Ο 〇 該識難組料編碼影像鱗為該行動錢 S227)，並於行動通訊, 貝。代（步驟 包資訊（步驟S229)置之鍺存模組儲存該行動錢 清參閱第四圖，係利用本發明之電 進行電子錢包交㈣之㈣流 閱第一圖。 件祆唬另請參 成當消費者欲利用本發明進行電子錢包 貝之物品至商店交易裝置彻登記並產生一交易：h將欲購 之後，商店交易裝置_可以—無線訊號傳ς=Γ10。 於行動通訊裝置300之交易 辱圮又易貝訊41〇 模組戰存有多組行動錢包str。此時若儲存 選單供消費者選擇（步驟S301)。X、經33G可顯示— 消費者可利用輸入介面34〇 > 行動錢包資訊解密出一手機1民订力錢包密碼以將該 與，資料=消;::=:==、 息，並可給予消費者三次輸入錯 過三次輸入錯誤’則該交易模 曰右 酬除，以防止該行動錢包資訊被盜 丁^包資 15 201101779 交易模組330比對該行動錢包資訊内之手機 動通訊裝置300之手機識別碼是否相符（步驟s3〇5 )。‘、、/、 於倾S305之比對為不相符，則經由行動通訊裝置· 舍出錯誤訊息，並可給予消f者三次錯誤之機會，若 切誤’職交易餘可_行軸包:#酬除，以防止^ 行動錢包資訊被盜用（步驟S3〇7)。 人 Ο Ο 什次!^驟S3()5之比對為相符，則依據行動錢包資訊内之支 料將交易資訊41〇、該手機電話號碼、與該支付資= ===形成::電子錢包_訊，並傳送於銀行飼 π所勺人取後’銀仃彳51服器可依據該電子錢包交易資 機電?號碼或手機識別碼確認消費者，並依據 ^貝；'、父易貧訊410扣款。（步驟s3〇9) 需於入f費者財發明進行電子錢包交易時，僅 卡箄次J錢包密碼’亚不需要如習知技術般輸人大量信用 包trr而能提高消費者使用上之便利，並且需該行動錢 命二二=手機硪別碼與該行動通訊裂置3 0 0之手機識別碼 的次f W進订仃動錢包資訊的傳輸，可阻止他人使用盜取 的貪訊進行消費。 行動114子錢包㈣與支付資料等資料僅於消費者之 鞞、、肖與銀行之銀㈣服112GG_4，並不會 兮4費者本身之信用卡等資 力侧包交易上之安全:另=三者，可以大幅增 行動通訊裝置300，並不、 ％明僅需使用一瓜之 機，而如白知般需要特製的SIM卡及手 成了扣同靖費者使之使用意願。 201101779 藉由以上較佳具體實施例之詳述，係希望能更加清楚 描述本發明之特徵與精神，而並非以上述所揭露的較佳具 體實施例來對本發明之範®壽加以限制。相反地，其目的是 希望能涵蓋各種改變及具相等性的安排於本發明所欲申請 之專利範圍的範_内。 【圖式簡單說明】 第一圖，係本發明之電子錢包驗證系統； 第二圖與第二A圖，係為本發明電子錢包驗證方法之第一 實施例之步驟流程圖； 第三圖與第三A圖，係為本發明電子錢包驗證方法之第二 實施例之步驟流程圖；以及 第四圖，係利用本發明之電子錢包驗證系統進行電子錢包 交易時之步驟流程圖。 【主要元件符號說明】 電子錢包驗證系統1000 電腦裝置100 瀏覽器110 網頁111 銀行伺服器200 銀行中央處理模組210 網頁模組220 資料庫230 記憶模組240 17 201101779 簡訊模組2 5 0 驗證模組2 6 Ο 加密模組270 行動通訊裝置300 中央處理模組310 通訊模組320 交易模組330 輸入介面340 識別模組350 儲存模組360 攝影模組370 交易資訊接收模組380 商店交易裝置400 交易資訊410The store owner uses the information to generate the transaction information (4) and transmits the transaction information 410 to the mobile communication device. Wei Chuan, -zhi=When the invention conducts an electronic wallet transaction, it can register and generate the transaction information_. <. Occupy 褒 褒 400 400 can be a wireless signal transmission transaction 柳 于 f f f f f f f f 。 。 。 。 。 。 At this point, if the consumer stores the smoky memory = the group finds the 'transaction module 33 ° can be displayed - the menu for the consumer to sell the wallet information 彳 咖 _ _ _ _ _ _ _ _ _ _ _ _ _ _ The selected mobile wallet information is decrypted, and the mobile phone wall mobile phone device 300 has the same mobile phone lang code, and the falsification is transmitted via the communication module 320 - the electronic wallet transaction information is in the bank The word server, the electronic wallet transaction information includes transaction information 41, the mobile phone and the payment information. In this embodiment, the electronic wallet can be a short message. In another embodiment, the electronic wallet communication (4) can be transmitted to the bank server 2 (10) via the internet via the communication module 320. 201101779 Finally, the bank server 200 can confirm the cancellation according to the mobile phone number or the mobile phone identification code included in the electronic wallet, and the package information and the transaction information 410 are deducted. According to the second embodiment of the present invention, the mobile wallet information encrypted by the first implementation module 270 is two-dimensional, and the wallet information can be processed via the encryption module 270. The code ° 该 is shaped and transmitted via the web module 220 to the (4) device n〇, :, a code map 111. The display module 370 is used to display the mobile wallet information to form a 3:0 image capture module 350 is used to capture the camera module 370. Edit: like. The mobile wallet is transmitted and stored in the storage module. The image of the horse is compiled. Please refer to the second and second diagrams. For the current step, the procedure is as follows. ^ Consumers can access the web page of the computer module (10) _ Liu Yu U U 200 200 module 〇 μ 仃 仃 仃 仃 仃 仃 仃 仃 仃 - - - 10 10 10 10 10 10 10 10 (1), the consumer can use the number and the bank Mimar, to enter the silver light account seven...^ 仃 server 200 (step si〇i). 4 fees can also be used for the _ browser UG, transmission - server 200 web page simulation is such as y 丄 丄 & 贝 贝 龈仃 龈仃 龈仃 龈仃 龈仃 龈仃 龈仃 资讯 资讯 资讯 资讯 资讯 资讯 资讯 资讯 资讯 资讯 ; ; ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ According to the llOJitMllii horse δ hai open verification code and transmitted to the browser ο login information contains a payment information, a mobile phone number, and - mobile wallet password (steps according to ◎ and recorded mobile phone number, via the bank Feeding device·News 201101779 The module 250 sends a text message to the mobile communication device 3 (step sl1). After the mobile communication device 300 receives the opening message, the consumer activates a transaction mode of the mobile communication device 300. The group 33〇 inputs a confirmation verification code, and the verification verification code is rotated according to the activation verification code (step S107). The transaction module 330 forms the mobile phone identification code of the mobile communication device 300 and the mobile phone number and the activation verification code. A confirmation message is transmitted, and the confirmation message is transmitted to the bank server 200 (step S109). The verification module 260 determines whether the registered mobile phone number is the same as the mobile phone number and verifies the If the verification code verification is passed (step Sill), if the step S111 is different and does not pass, an error message is sent to the browser 11 or the mobile communication device 300 via the bank server 200 (step S113). In step Sill, when the same and pass, the payment data, the login mobile phone number, and the mobile phone identification code are encrypted by the encryption module 270 according to the mobile wallet password to form a mobile wallet information (step S121). Transmitting an action wallet message including the action wallet information to the mobile communication device 3 (step S123). When the identification module 350 of the mobile communication device 300 identifies that the mobile wallet message has the action wallet information (step S125), The storage module 360 of the mobile communication device 300 stores the mobile wallet information (step S127). Please refer to the third and third A diagrams, which are flowcharts of the steps of the second embodiment of the present invention. Please refer to the first figure. Steps S201 to S213 and Step S221 of the third and third A diagrams are related to the second diagram and the 201101779 two: the steps of the diagram _ to Sichuan 3 After the same sequence, the steps S223 to S229 can be continued. , '*幻 21 w ln item is not 5 仃 仃 moving wallet information on the computer device 1 〇 n + λ page (1), wherein the mobile wallet information system 100 through the photography mode Group Liu shooting network ^] - dimension bar code (steps such as) into a coded image (step S221)., on the light wallet information to shape 〇 识 识 组 组 组 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码 编码Mobile communication, the generation of the package information (step S229), the storage module stores the action, and the fourth figure is used to perform the electronic wallet exchange (4) of the present invention. In addition, when the consumer wants to use the present invention to carry out the electronic wallet item to the store transaction device to register and generate a transaction: h will be purchased, the store transaction device _ can - wireless signal transmission = Γ 10. The transaction in the mobile communication device 300 is insulting and easy to use. The module warfare has multiple sets of mobile wallets str. At this time, the menu is stored for the consumer to select (step S301). X, can be displayed via 33G - the consumer can use the input interface 34〇> mobile wallet information to decrypt a mobile phone 1 private wallet password to the same, data = eliminate;::=:==, interest, and Give the consumer three times to enter and miss three input errors. Then the transaction is right-clicked to prevent the mobile wallet from being stolen. 15 201101779 The transaction module 330 is more than the mobile communication device 300 in the mobile wallet information. Whether the mobile phone identification code matches (step s3〇5). If the ratio of ',, /, to S305 is not consistent, then the error message will be given out via the mobile communication device, and the opportunity for the error will be given three times. If the error is corrected, the job can be _ axis package: #酬除, to prevent the action wallet information from being stolen (step S3〇7). Ο Ο 什 ^ ^ ^ ^ ^ ^ ^ ^ S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S Wallet _ news, and transmitted to the bank after the π spoon of people take the 'silver 仃彳 51 server can be based on the e-wallet transaction 机电 mechanical and electrical number or mobile phone identification code to confirm the consumer, and according to ^ Bei; ', the father is poor News 410 deduction. (Step s3〇9) When the e-wallet transaction is required to be entered into the e-wallet transaction, only the card J wallet password 'Asia does not need to enter a large number of credit packages trr as in the conventional technology to improve the consumer's use. Convenience, and the need for the action of the life of the second = mobile phone identification code and the mobile communication to smash the mobile phone identification code of the mobile phone identification code, the transmission of the wallet information, can prevent others from using the stolen greed Make consumption. Action 114 sub-wallet (4) and payment information and other information only for consumers, Shaw and bank silver (four) service 112GG_4, and will not be the 4 creditors of their own credit card and other side-sale transactions security: another = three It is possible to greatly increase the mobile communication device 300. No, it is only necessary to use a melon machine, and if it is necessary, a special SIM card and a hand are required to be used by the person who has the same fee. The features and spirit of the present invention are intended to be more apparent from the detailed description of the preferred embodiments. On the contrary, the intention is to cover various modifications and equivalent arrangements within the scope of the patent scope of the invention. BRIEF DESCRIPTION OF THE DRAWINGS The first diagram is an electronic wallet verification system of the present invention; the second diagram and the second diagram A are flowcharts of the steps of the first embodiment of the electronic wallet verification method of the present invention; FIG. 3A is a flow chart showing the steps of the second embodiment of the electronic wallet verification method of the present invention; and FIG. 4 is a flow chart showing the steps of the electronic wallet transaction using the electronic wallet verification system of the present invention. [Main component symbol description] E-wallet verification system 1000 Computer device 100 Browser 110 Web page 111 Bank server 200 Bank central processing module 210 Web module 220 Database 230 Memory module 240 17 201101779 Short message module 2 5 0 Verification module Group 2 6 加密 Encryption Module 270 Mobile Communication Device 300 Central Processing Module 310 Communication Module 320 Transaction Module 330 Input Interface 340 Identification Module 350 Storage Module 360 Photographic Module 370 Transaction Information Receiving Module 380 Store Transaction Device 400 Trading Information 410
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