TW201610879A - Application system of additional electronic wallet and method thereof - Google Patents
Application system of additional electronic wallet and method thereof Download PDFInfo
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本發明是一種申請附卡式電子錢包之系統與方法,透過主電子錢包持有人向電子錢包管理平台申請附卡式電子錢包開通,並由電子錢包管理平台連線至電信伺服器完成附卡式電子錢包使用者門號與身份確認,確認完成後由電子錢包管理平台進行錢包關聯性設定並通知相關聯電子錢包持有人。 The present invention relates to a system and method for applying for a card-type electronic wallet, by applying a card-type electronic wallet to an electronic wallet management platform through a main electronic wallet holder, and connecting the electronic wallet management platform to a telecommunications server to complete the attached card. The electronic wallet user door number and identity confirmation, after the confirmation is completed, the wallet association setting is performed by the electronic wallet management platform and the associated electronic wallet holder is notified.
先前提出代理支付應用的應用,例如中華民國專利公開號第201301161號,其專利內容係為一用於交易支付授權的移動裝置可從移動裝置向銷售點系統發送支付請求;移動裝置所有者可請求從諸如父母的電腦的第三方裝置獲取用於交易的支付細節(信用卡號、信用卡類型、信用卡有效日期、授權碼、借記卡號或銀行帳號中的至少一個);銷售點系統可向第三方裝置發送許可請求,或者移動裝置可向第三方裝置發送許可請求;銷售點系統或第三方裝置接收到支付細節後、可傳送該支付細節並完成交易。其專利方法可達成請求代理支付之目的,然而該專利中未描述請求移動裝置與第三方裝置之間存在信任關係及該關係如何建立與確認,可能造成因輸入資料錯誤而傳送請求至其他對象而無法完成交易 的可能性,或是遭有心人士利用作為詐騙手段。 An application for a proxy payment application, such as the Republic of China Patent Publication No. 201301161, whose patent content is that a mobile device for transaction payment authorization can send a payment request from a mobile device to a point of sale system; the mobile device owner can request Obtaining payment details (a credit card number, a credit card type, a credit card expiration date, an authorization code, a debit card number, or a bank account number) for a transaction from a third party device such as a parent's computer; the point of sale system may be to a third party The device sends a permission request, or the mobile device can send a permission request to the third party device; after receiving the payment details, the point of sale system or the third party device can transmit the payment details and complete the transaction. The patented method can achieve the purpose of requesting proxy payment. However, the patent does not describe the existence of a trust relationship between the mobile device and the third-party device and how the relationship is established and confirmed, which may cause the request to be transmitted to other objects due to the input data error. Unable to complete transaction The possibility, or the use of the minded person as a means of fraud.
例如中華民國專利公開號第200745979號,其專利內容為提供一種用於電子金融交易之系統(及方法),其包括:一發送者及一接受者,每一者具有一電子錢包;一發送銀行及一接收銀行,每一者具有一主機應用程式系統及一鑑認伺服器;及一錢包管理中心,其具有一主機應用程式系統及一鑑認伺服器。該發送者使用其電子錢包來將一加密支付指令直接發送至該接受者之電子錢包。該接受者可執行用於提交至該錢包管理中心以供鑑認之指令的一第二等級加密。一旦經鑑認,則該錢包管理中心通知該接受者且提交支付指令以用於藉由對應之發送及接收銀行的結算。在不涉入該錢包管理中心之情況下,藉由該發送銀行來直接鑑認支付授權。為了增强之可用性,可使用近距或在線訊息傳遞而自該接受者產生支付細節至該發送者。此篇專利提出了以電子錢包完成金融交易的系統(及方法),然而此方法每一次交易發送者用戶皆須輸入接受者錢包資訊,而輸入的資料又難以記憶,易降低用戶使用意願;發送者與接受者錢包未檢驗身份認證,無法確認交易對象正確性;發送者與接受者電子錢包易無正附卡式之關聯性,無法達成代理支付之應用。 For example, the Republic of China Patent Publication No. 200745979, the patent content of which is to provide a system (and method) for electronic financial transactions, comprising: a sender and a recipient, each having an electronic wallet; a sending bank And a receiving bank, each having a host application system and an authentication server; and a wallet management center having a host application system and an authentication server. The sender uses his electronic wallet to send an encrypted payment instruction directly to the recipient's electronic wallet. The recipient can perform a second level of encryption for submitting instructions to the wallet management center for authentication. Once authenticated, the wallet management center notifies the recipient and submits a payment instruction for settlement by the corresponding sending and receiving bank. The payment authorization is directly authenticated by the sending bank without involving the wallet management center. To enhance usability, close or online messaging can be used to generate payment details from the recipient to the sender. This patent proposes a system (and method) for completing financial transactions by electronic wallet. However, in this method, the sender of each transaction must input the information of the recipient's wallet, and the input data is difficult to remember, which is easy to reduce the user's willingness to use; The sender and the recipient's wallet have not verified the identity authentication, and the correctness of the transaction object cannot be confirmed; the sender and the recipient's electronic wallet are not immediately associated with the card, and the application of the agency payment cannot be achieved.
本發明與信用卡附卡之技術差異,及本發明更優異之處。其一為用戶資訊在電信業者均具有話號證號認證資訊,用戶可利用電信帳單做為付帳工具。其二為代收代付機制,電信業者替用戶代付,再由電信帳單收款,信用卡機制則為用戶個人帳戶支付,技術方面無需向銀行、聯徵中心連線管控交易資訊。其三在正卡申請機制上不同,正卡用戶利用電信帳號申請電子錢包,電信業者利用電信帳號控管帳戶。 信用卡則需附財力證明等資料作申請。其四為付卡的申請機制,信用卡附卡申請有許多限制(親屬關係等),電子錢包附卡申請,僅需正附卡兩人以手機向電信業者進行確認通過即可。其五為正卡對附卡管理機制,電子錢包能馬上臨時授權、馬上回收權限、或限期回收權限,可非常彈性指定授權對象與指定額度。而信用卡需紙本申請,也無法臨時指定額度等。其六為附卡申請機制,可由附卡持有人發起申請,正卡持有人收到通知後,授權確認即可開通。信用卡則需正卡持有人替附卡做申請。其七為交易資訊通知,正卡持有人能即時掌控附卡交易資訊(簡訊通知),也能隨時查閱附卡交易清單。信用卡正卡持有人,均需待每月帳單才能得知附卡消費狀況。 The technical difference between the present invention and the credit card attachment card, and the present invention are more excellent. The first is user information, and the telecom operators all have the telephone number certification information, and the user can use the telecom bill as a payment instrument. The second is the collection and payment mechanism. The telecom operators pay for the users, and then receive the payment by the telecom bill. The credit card mechanism pays for the user's personal account. In terms of technology, it is not necessary to control the transaction information to the bank or the association. The third is different in the application mechanism of the positive card. The positive card user uses the telecom account to apply for the e-wallet, and the telecommunication operator uses the telecommunication account to control the account. Credit cards are required to apply for financial information and other information. The fourth is the application mechanism for payment cards. There are many restrictions on the application for credit card attachments (kinships, etc.), and the application for the e-wallet is only necessary to attach the card to the telecom operator for confirmation. The fifth is the card management mechanism of the positive card. The e-wallet can immediately authorize the right, immediately reclaim the right, or withdraw the right within a limited time. The authorized object and the specified amount can be flexibly specified. Credit cards require paper applications, and it is not possible to temporarily specify the amount. The sixth is the card application mechanism, which can be initiated by the card holder. After the card holder receives the notice, the authorization can be opened. Credit cards require the card holder to apply for the card. The seventh is the transaction information notice, the card holder can immediately control the card transaction information (news notice), and can also check the list of the card transaction at any time. The credit card holder must wait for the monthly bill to know the card consumption status.
本案發明人鑑於上述習用方式所衍生的各項缺點,乃亟思加以改良創新,並經多年苦心孤詣潛心研究後,終於成功研發完成本件附卡式電子錢包申請系統及方法。 In view of the shortcomings derived from the above-mentioned conventional methods, the inventor of the present invention has improved and innovated, and after years of painstaking research, he finally successfully developed and completed the application system and method of the attached card-type electronic wallet.
本發明之一目的,在於提供一種申請附卡式電子錢包申請的系統與方法,可由已具備電子錢包持有人(以下稱為「資訊發送端模組」)申請附卡式電子錢包予以可安裝電子錢包的移動裝置(以下稱為「資訊接收端模組」),資訊接收端模組之裝置無需至金融機構臨櫃辦理電子錢包申請註冊及開通。 An object of the present invention is to provide a system and method for applying for a card-type electronic wallet application, which can be installed by an electronic wallet holder (hereinafter referred to as "information transmitting module") The mobile device of the electronic wallet (hereinafter referred to as "information receiving terminal module"), the device of the information receiving end module does not need to go to the financial institution to apply for registration and opening of the electronic wallet.
本發明之另一目的,在於解決未成年孩童或無行為能力使用者無法申請電子錢包做為支付工具的問題;透過本發明可申請附卡式電子錢包予以上述行為能力受限者使用,保障交易的安全性及不可否認性。 Another object of the present invention is to solve the problem that a juvenile child or a non-behaving user cannot apply for an e-wallet as a payment tool; and the invention can apply for a card-type e-wallet to be used by the above-mentioned behavior-restricting person to secure the transaction. Security and non-repudiation.
本發明之目的即在於提供一種附卡式電子錢包申請系統,其包含:一資訊接收端模組;一資訊發送端模組;一電子錢包管理平台模組;以及一電信伺服器模組。 An object of the present invention is to provide a card-type electronic wallet application system, comprising: an information receiving end module; an information sending end module; an electronic wallet management platform module; and a telecom server module.
其中,資訊接收端模組包含一通訊單元,連結電子錢包管理平台模組及資訊接收端模組,呼叫進行資料傳遞或接收,與對接收或傳遞之資料進行解密或加密。一錢包申請單元,其連結以處理及傳送附卡式電子錢包之申請相關資訊;資訊發送端模組包含一通訊單元,連結電子錢包管理平台模組或資訊發送端模組,呼叫進行資料傳遞或接收,與對接收或傳遞之資料進行解密或加密。一錢包安裝單元,連結以處理及傳送附卡式電子錢包安裝相關資訊;電子錢包管理平台模組,包含一錢包受理單元,呼叫進行處理及傳送附卡式電子錢包開通相關資訊、正附卡關聯資訊儲存空間,用以儲存正附卡電子錢包之關聯資訊;電信伺服器模組,包含一門號認證單元,呼叫以對申請附卡式電子錢包門號及身份進行認證。 The information receiving end module comprises a communication unit, which is connected to the electronic wallet management platform module and the information receiving end module, and the call performs data transmission or reception, and decrypts or encrypts the received or transmitted data. a wallet application unit, which is linked to process and transmit information related to the application of the card-type electronic wallet; the information sending terminal module comprises a communication unit, which is connected to the electronic wallet management platform module or the information sending terminal module, and calls for data transmission or Receive, decrypt or encrypt the data received or transmitted. a wallet installation unit for connecting and transmitting information related to the installation of the attached wallet; the electronic wallet management platform module includes a wallet receiving unit, the call processing and the transmission of the attached card type electronic wallet opening related information, and the positive card association The information storage space is used for storing the associated information of the e-wallet of the attached card; the telecom server module includes a number authentication unit, and the call is used to authenticate the application of the card-type e-wallet number and identity.
本發明之另一目的,即在於提供一種附卡式電子錢包申請系統方法,其包含以下步驟:步驟一、透過資訊發送端模組,呼叫電子錢包管理平台模組,申請電子錢包予以資訊接收端模組使用;步驟二、資訊發送端模組,呼叫資訊接收端模組,提供電子錢包開通密碼;步驟三、電子錢包管理平台模組,發送電子錢包開通訊息給資訊接收端模組;步驟四、資訊接收端模組,回傳電子錢包開通資訊至電子 錢包管理平台模組;步驟五、電子錢包管理平台模組,由回傳資訊與電信伺服器模組,進行資訊接收端模組身份認證;步驟六、電子錢包管理平台模組,收到電信伺服器模組回傳門號認證成功後,連結資訊發送端模組及資訊接收端模組,以完成電子錢包申請和開通。 Another object of the present invention is to provide a method for attaching a card-type electronic wallet application system, which comprises the following steps: Step 1: Calling an electronic wallet management platform module through an information sending terminal module, and applying for an electronic wallet to receive information Module use; step 2, information sending terminal module, call information receiving end module, providing electronic wallet opening password; step 3, electronic wallet management platform module, sending electronic wallet to open communication information to the information receiving end module; step four , information receiving terminal module, returning electronic wallet to open information to electronic The wallet management platform module; step 5, the electronic wallet management platform module, the return information and the telecom server module, the information receiving terminal module identity authentication; step six, the electronic wallet management platform module, receiving the telecommunication servo After the module returns the door number authentication successfully, the information sending end module and the information receiving end module are connected to complete the electronic wallet application and opening.
綜合上述可知,本發明提供了一種附卡式電子錢包申請系統方法,藉由資訊發送端模組提出申請電子錢包予以資訊接受端模組使用,透過電子錢包管理平台模組確認與設定,完成附卡式電子錢包之申請與安裝。 In summary, the present invention provides a method for attaching a card-type electronic wallet application system. The information sending terminal module applies for an electronic wallet to be used by the information receiving end module, and is confirmed and set by the electronic wallet management platform module. Application and installation of the card wallet.
本發明與小額付款服務之技術差異,及本發明更優異之處。主要在於附卡模式的創新。透過正卡與附卡,各自均與電信業者綁定身分認證。進一步連結正附卡授權綁定,就可省略繁雜身分認證步驟。僅需由手機進行申請,簡訊碼收送操作,作為不可否認性的確認步驟,即可使用電子錢包正附卡服務。並且附卡隨時交易,即時以簡訊通知正卡,均為小額付款技術所不具備的。 The technical difference between the present invention and the micropayment service, and the present invention are more excellent. Mainly in the innovation of the card mode. Through the positive card and the attached card, each of them is bound to the telecommunications industry identity certification. By further linking the attached card authorization binding, the complicated identity authentication step can be omitted. Simply apply by mobile phone, SMS code delivery operation, as a non-repudiation confirmation step, you can use the e-wallet plus card service. And the card is ready to be traded at any time, and the card is immediately notified by the newsletter, which is not available in the micropayment technology.
本發明所提供一種附卡式電子錢包申請系統及方法,與其他習用技術相互比較時,更具備下列優點: The invention provides a card-type electronic wallet application system and method, which has the following advantages when compared with other conventional technologies:
1.本發明提出正附卡電子錢包架構,為目前電子錢包應用環境尚未看到的全新架構,藉由電信門號及使用者自訂錢包開通密碼機制,可完成附卡式電子錢包申請及開通。 1. The present invention proposes a positive-card electronic wallet architecture, which is a new architecture that has not been seen in the current e-wallet application environment. The telecom door number and the user-defined wallet opening password mechanism can complete the application and opening of the card-type e-wallet. .
2.由於附卡式電子錢包是依附在一主電子錢包名下,當主電子錢包申請停用時,附卡式電子錢包也會一併停用,不需分開申請停用,讓主電子錢包持有人 可以容易管理附卡式電子錢包使用權限。 2. Since the attached e-wallet is attached to the name of a main e-wallet, when the main e-wallet is applied for disabling, the e-card will be deactivated together, no need to apply for deactivation separately, so that the main e-wallet Holder It is easy to manage the use of the attached e-wallet.
3.本發明之附卡電子錢包管理,可由主電子錢包持有人簡易而有效的控管,主電子錢包持有人可馬上臨時授權、馬上回收權限、或限期回收權限,可非常彈性指定授權對象與指定額度。 3. The management of the attached card electronic wallet of the present invention can be easily and effectively controlled by the owner of the main electronic wallet, and the owner of the main electronic wallet can immediately authorize, immediately reclaim the right, or withdraw the right within a limited time, and can flexibly designate the authorization. The object and the specified amount.
4.本發明建立之電子錢包關聯性已通過身份認證,可以掌握用戶的真實資料與聯絡方式等,避免了惡意使用者假冒行為造成他人財產損失,可確保交易安全性及不可否認性。 4. The association of the e-wallet established by the invention has passed the identity authentication, and can grasp the real information and contact manner of the user, etc., avoiding the property loss caused by the malicious user's counterfeiting behavior, and ensuring the security and non-repudiation of the transaction.
100‧‧‧資訊接收端模組 100‧‧‧Information receiving terminal module
101‧‧‧通訊單元 101‧‧‧Communication unit
102‧‧‧錢包安裝單元 102‧‧‧Wallet installation unit
200‧‧‧資訊發送端模組 200‧‧‧Information sender module
201‧‧‧通訊單元 201‧‧‧Communication unit
202‧‧‧錢包申請單元 202‧‧‧Wallet application unit
300‧‧‧電子錢包管理平台模組 300‧‧‧Electronic Wallet Management Platform Module
301‧‧‧錢包受理單元 301‧‧‧ wallet acceptance unit
302‧‧‧正附卡關聯資訊儲存空間 302‧‧‧With card associated information storage space
400‧‧‧電信伺服器模組 400‧‧‧Telecom server module
401‧‧‧門號認證單元 401‧‧‧door certification unit
S201~S206‧‧‧流程示意步驟 S201~S206‧‧‧ Flow diagram
S301~S306‧‧‧另一流程示意步驟 S301~S306‧‧‧ another process step
請參閱有關本發明之詳細說明及其附圖,將可進一步瞭解本發明之技術內容及其目的功效;有關附圖為:圖1為本發明附卡式電子錢包申請系統及方法之系統示意圖;圖2為本發明附卡式電子錢包申請系統及方法之流程示意圖;圖3為本發明附卡式電子錢包申請系統及方法之另一流程示意圖;圖4為本發明附卡式電子錢包申請系統及方法之實施例圖。 The detailed description of the present invention and its accompanying drawings will be further understood. The technical contents of the present invention and the functions thereof are as follows: FIG. 1 is a schematic diagram of a system for attaching a card type electronic wallet application system and method according to the present invention; 2 is a schematic flow chart of an attachment card type electronic wallet application system and method according to the present invention; FIG. 3 is another schematic flowchart of an attachment card type electronic wallet application system and method according to the present invention; FIG. 4 is a card-attached electronic wallet application system of the present invention; And an embodiment of the method.
為了使本發明的目的、技術方案及優點更加清楚明白,下面結合附圖及實施例,對本發明進行進一步詳細說明。應當理解,此處所描述的具體實施例僅用以解釋本發明,但並不用於限定本發明。 The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
以下,結合附圖對本發明進一步說明:請參閱圖1所示,為本發明附卡式電子錢包申請系統及方法之系統示意圖,其主要係包含有:一資訊接收端模組100、一資訊發送端模組200、一電子錢包管理平台模組300及一電信伺服器模組400,其中資訊接收端模組100可以是行動電話、平板電腦或其他可安裝錢包安裝單元102之裝置。資訊發送模組端200可以是筆記型電腦、桌上型電腦、平板電腦、行動電話或其他可安裝錢包申請單元202之裝置,其資訊發送端模組200向電子錢包管理平台模組300提出申請附卡式電子錢包請求;附卡式電子錢包開通密碼設定方,為資訊發送端模組200,向資訊接收端模組100通知開通的密碼;電子錢包管理平台模組300,由資訊發送端模組200提交申請之附卡式電子錢包資訊(資訊接收端模組100的電話號碼與開通的密碼),發送附卡式電子錢包開通資訊給資訊接收端模組100;資訊接收端模組100,於電子錢包管理平台模組300輸入開通的密碼,完成電子錢包安裝;電子錢包管理平台模組300接收資訊接收端模組100輸入認證資訊,確認回覆開通資訊正確後,傳送資訊接收端模組100回覆之電信門號及電信門號持有人身份證號至電信伺服器模組400進行用戶設備認證;電子錢包管理平台模組300接收電信伺服器模組400回覆認證成功訊息後,設定資訊接收端模組100與資訊發送端模組200電子錢包關聯性,並通知資訊接收端模組100與資訊發送端模組200已完成電子錢包開通/申請,此為本發明之最基本架構。 The present invention is further described with reference to the accompanying drawings. Please refer to FIG. 1 , which is a system diagram of a system and method for attaching a card type electronic wallet according to the present invention, which mainly includes: an information receiving end module 100 and an information transmission. The terminal module 200, an electronic wallet management platform module 300 and a telecommunications server module 400, wherein the information receiving end module 100 can be a mobile phone, a tablet computer or other device capable of installing the wallet mounting unit 102. The information sending module 200 can be a notebook computer, a desktop computer, a tablet computer, a mobile phone or other device capable of installing the wallet application unit 202, and the information sending terminal module 200 applies to the electronic wallet management platform module 300. Attached card type e-wallet request; attached card type e-wallet open password setting party, for the information sending end module 200, notifying the information receiving end module 100 of the opened password; the electronic wallet management platform module 300, by the information sending end mode The group 200 submits the attached card-type e-wallet information (the phone number of the information receiving end module 100 and the opened password), and sends the card-type e-wallet opening information to the information receiving end module 100; the information receiving end module 100, The electronic wallet management platform module 300 inputs the opened password to complete the electronic wallet installation; the electronic wallet management platform module 300 receives the information receiving terminal module 100 to input the authentication information, and confirms that the reply opening information is correct, and transmits the information receiving end module 100. Reply to the telecom door number and the telecom door number holder ID number to the telecom server module 400 for user equipment authentication; electronic money After receiving the authentication success message, the management platform module 300 sets the association between the information receiving end module 100 and the information sending end module 200, and notifies the information receiving end module 100 and the information sending end mode. The group 200 has completed the opening/application of the electronic wallet, which is the most basic structure of the invention.
其資訊接收端模組100之通訊單元110及資訊發送端模組200之通訊單元210可以是配置為遵循GSM或 CDMA標準來通訊的蜂窩收發機;可以是可遵循802.11無線標準來工作;可以是根據本文所述功能來工作的任何其他類型的無線通訊模組;可以是如有線乙太網路或USB連接的有線連接。 The communication unit 110 of the information receiving end module 100 and the communication unit 210 of the information sending end module 200 may be configured to comply with GSM or A cellular transceiver that communicates with the CDMA standard; may operate in accordance with the 802.11 wireless standard; may be any other type of wireless communication module that operates according to the functionality described herein; it may be a wired Ethernet or USB connection Wired connection.
請參考圖2,為本發明之附卡式電子錢包申請流程流程示意圖,其步驟如下:步驟一、S201資訊發送端模組向電子錢包管理平台模組申請電子錢包予資訊接收端模組使用,資訊發送端模組利用錢包申請模組單元,利用通訊單元,向電子錢包管理平台模組,輸入資訊接收端模組的電信門號、予以資訊接收端模組所使用附卡式電子錢包的開通密碼等;步驟二、S202資訊發送端模組通知資訊接收端模組電子錢包開通密碼;步驟三、S203電子錢包管理平台模組發送電子錢包開通訊息給資訊接收端模組,電子錢包管理平台模組接收到資訊發送端模組提交附卡式電子錢包申請資訊後,發送電子錢包開通訊息予以資訊接收端模組,開通訊息包括附卡式電子錢包安裝資訊及身份確認OTP碼;步驟四、S204資訊接收端模組由開通訊息中電子錢包安裝資訊(含安裝說明與使用方式),完成電子錢包安裝後,利用錢包安裝單元輸入電信門號、電信門號所有人身份證號、電子錢包管理平台模組傳送的身份確認OTP碼、資訊發送端模組所告知附卡式電子錢包的開通密碼。錢包安裝單元使用通 訊單元將資訊回覆給電子錢包管理平台模組;步驟五、S205電子錢包管理平台模組與電信伺服器模組進行資訊接收端模組身份認證,當電子錢包管理平台模組接收資訊接收端模組回傳認證資訊後,透過錢包受理單元確認資訊接收端模組回覆開通資訊正確,傳送資訊接收端模組回覆之電信門號及電信門號持有人身份證號至電信伺服器模組利用門號認證單元進行用戶設備及身份認證,接收電信伺服器回傳身份認證結果;步驟六、S206電子錢包管理平台模組認證成功,通知資訊發送端模組及資訊接收端模組已完成電子錢包申請或開通,當電子錢包管理平台模組接收電信伺服器模組回覆身份認證成功訊息後,利用錢包受理單元設定資訊接收端模組與資訊發送端模組電子錢包關聯性並儲存到正附卡關聯資訊儲存空間,完成設定後通知資訊接收端模組與資訊發送端模組已完成電子錢包開通或申請。 Please refer to FIG. 2 , which is a schematic flowchart of an application process of the attached card type electronic wallet according to the present invention. The steps are as follows: Step 1: The S201 information sending end module applies to the electronic wallet management platform module to apply for the electronic wallet to the information receiving end module. The information sending end module uses the wallet to apply for the module unit, uses the communication unit, and inputs the telecommunication door number of the information receiving end module to the electronic wallet management platform module, and opens the attached electronic wallet used by the information receiving end module. Password, etc.; Step 2: S202 information sending end module notifies the information receiving end module e-wallet to open the password; Step 3, S203 electronic wallet management platform module sends e-wallet open communication information to the information receiving end module, electronic wallet management platform module After receiving the information sending module to submit the attached e-wallet application information, the group sends the e-wallet to open the communication information to the information receiving end module, and the open communication information includes the attached e-wallet installation information and the identity confirmation OTP code; Step 4, S204 The information receiving terminal module is installed by the e-wallet in the communication information (including installation instructions and usage methods) After completing the installation of the electronic wallet, the wallet installation unit is used to input the telecommunication door number, the telecommunication door number owner ID number, the identity confirmation OTP code transmitted by the electronic wallet management platform module, and the information sending terminal module to inform the card-type electronic wallet Opening password. Wallet installation unit use The information unit replies the information to the electronic wallet management platform module; in step 5, the S205 electronic wallet management platform module and the telecom server module perform identity authentication of the information receiving terminal module, and when the electronic wallet management platform module receives the information receiving terminal module After the group returns the authentication information, it confirms that the information receiving terminal module replies the correct information through the wallet receiving unit, and transmits the telecommunication door number and the telecommunication door number holder ID number of the information receiving terminal module to the telecom server module. The door number authentication unit performs user equipment and identity authentication, and receives the telecom server backhaul identity authentication result. Step 6: The S206 electronic wallet management platform module authentication succeeds, and the information sending end module and the information receiving end module have completed the electronic wallet. Applying or opening, after the e-wallet management platform module receives the telecom server module replying the identity authentication success message, the wallet receiving unit sets the information receiving end module and the information sending end module e-wallet as the association and stores it to the positive attached card. Link the information storage space, notify the information receiving terminal module and send information after setting Module has been completed electronic purse open or application.
接著請再參考圖3,為本發明之附卡式電子錢包申請另一流程示意圖,其步驟如下:步驟一、S301資訊接收端模組告知資訊發送端模組電子錢包開通密碼;步驟二、.S302資訊發送端模組向電子錢包管理平台模組申請電子錢包予資訊接收端模組使用,資訊發送端模組利用錢包申請單元輸入資訊接收端模組電信門號及設定予以資訊接收端模組所使用附卡式電子錢包的開通密碼,錢包申請單元使用通訊單 元將資訊傳送至電子錢包管理平台模組;步驟三、S303電子錢包管理平台模組發送電子錢包開通訊息給資訊接收端模組,電子錢包管理平台模組接收到資訊發送端模組提交附卡式電子錢包申請資訊後,發送電子錢包開通訊息予以資訊接收端模組,開通訊息包括附卡式電子錢包安裝資訊及身份確認OTP碼;步驟四、S304資訊接收端模組回傳電子錢包開通資訊至電子錢包管理平台模組,資訊接收端模組由開通訊息中電子錢包安裝資訊完成電子錢包安裝後,利用錢包安裝單元輸入電信門號、電信門號所有人身份證號、電子錢包管理平台模組傳送的身份確認OTP碼、資訊發送端模組所告知附卡式電子錢包的開通密碼。錢包安裝單元使用通訊單元將資訊回覆給電子錢包管理平台模組;步驟五、S305電子錢包管理平台模組與電信伺服器模組進行資訊接收端模組身份認證,電子錢包管理平台模組接收資訊接收端模組回傳認證資訊後,透過錢包受理單元確認資訊接收端模組回覆開通資訊正確,傳送資訊接收端模組回覆之電信門號及電信門號持有人身份證號至電信伺服器模組利用門號認證單元進行用戶設備及身份認證,接收電信伺服器模組回傳身份認證結果;步驟六、S306電子錢包管理平台模組認證成功,通知資訊發送端模組及資訊接收端模組已完成電子錢包申請或開通,電子錢包管理平台模組接收電信伺服 器模組回覆身份認證成功訊息後,利用錢包受理單元設定資訊接收端模組與資訊發送端模組電子錢包關聯性並儲存到正附卡關聯資訊儲存空間,完成設定後通知資訊接收端模組與資訊發送端模組已完成電子錢包開通或申請。 Next, please refer to FIG. 3 again, which is another schematic diagram of the application process of the attached card type electronic wallet according to the present invention. The steps are as follows: Step 1: The S301 information receiving end module informs the information sending end module that the electronic wallet opens the password; Step 2: The S302 information sending end module applies to the electronic wallet management platform module to apply for the electronic wallet to the information receiving end module, and the information sending end module uses the wallet application unit to input the information receiving end module telecommunication door number and setting the information receiving end module. The opening password of the attached e-wallet, the wallet application unit uses the communication list The information is transmitted to the electronic wallet management platform module. Step 3: The S303 electronic wallet management platform module sends the electronic wallet to open the communication information to the information receiving end module, and the electronic wallet management platform module receives the information sending terminal module to submit the attached card. After applying for information, the e-wallet sends an e-wallet to open the communication information to the information receiving end module. The open communication information includes the attached e-wallet installation information and the identity confirmation OTP code. Step 4: S304 information receiving end module returns the e-wallet opening information To the electronic wallet management platform module, the information receiving end module is installed by the electronic wallet installation information in the open communication information, and then the wallet installation unit is used to input the telecommunication door number, the telecommunication door number owner ID number, and the electronic wallet management platform module. The identity of the OTC code transmitted by the group and the activation password of the attached e-wallet are notified by the information sending terminal module. The wallet installation unit uses the communication unit to reply the information to the electronic wallet management platform module; in step 5, the S305 electronic wallet management platform module and the telecom server module perform identity authentication of the information receiving terminal module, and the electronic wallet management platform module receives the information. After receiving the authentication information, the receiving terminal module confirms that the information receiving terminal module replies the correct information through the wallet receiving unit, and transmits the telecommunication door number and the telecommunication door number holder ID number of the information receiving terminal module to the telecommunication server. The module uses the door number authentication unit to perform user equipment and identity authentication, and receives the telecom server module to return the identity authentication result. Step 6: The S306 electronic wallet management platform module is successfully authenticated, and the information sending end module and the information receiving end mode are notified. The group has completed the application or opening of the e-wallet, and the e-wallet management platform module receives the telecom servo. After replying the identity authentication success message, the wall module accepting unit sets the association between the information receiving end module and the information sending end module e-wallet and stores it in the associated information storage space of the positive attached card, and notifies the information receiving end module after the setting is completed. The e-wallet has been opened or applied with the information sender module.
另舉一應用實例以說明本專利,參考圖4之示意圖,並以實例:「A.有員工臨時要出差,要用公司的公費,藉由本系統可以馬上生出一張「附卡」,員工出差三天回來後,「附卡」的權限就被收回了。B.又有另一位員工要出國,公司又授權他更大的額度,但限一個星期以內使用」作說明。(兩種實例僅為額度與時間不同,可由人資系統依使用情境設定,以下描述A使用流程) Another application example is used to illustrate this patent. Referring to the schematic diagram of Figure 4, and by example: "A. Some employees have to travel temporarily, use the company's public expenses, and the system can immediately produce a "attachment card" for employees to travel. After three days of returning, the "attachment card" permission was withdrawn. B. There is another employee who wants to go abroad, and the company authorizes him to use a larger amount, but only for one week or less. (The two examples are only different in amount and time, and can be set by the human resources system according to the use context. The following describes the A usage process)
以A項目所述,以員工手機為資訊接收端,公司人資系統為資訊發送端。 According to the A project, the employee mobile phone is the information receiving end, and the company human resources system is the information sending end.
步驟一、員工於人資系統上提報公出差行程及請領差旅費用,告知欲設定之錢包開通密碼、日期(3天),以及使用電子錢包之電話號碼、使用人身分證號碼、申請公費額度等;步驟二、人資系統確認員工手機號碼與額度,申請電子錢包,並以接收員工提報的錢包開通密碼做設定。並將相關資訊發送至電子錢包管理主機(即電子錢包管理平台模組,下略);步驟三、電子錢包管理主機確認資訊後,發送開通請求至員工手機;步驟四、員工手機輸入錢包開通資訊(含使用電子錢包之電話號碼、使用人身分證號碼),回傳至電子錢包 管理主機進行資料認證;步驟五、電子錢包管理主機,收到員工開通資訊後,會將手機門號、證號,透過與電信設備認證介面(此認證介面需可辨認該門號之使用者,或為電信業者提供之認證介面)介接,確認該員工身分是否合法使用。由於此電子錢包綁定電信門號帳單,該公司員工須為此電信業者用戶。認證過程主要有二點,其一為:電信設備認證介面進行電信門號認證,並將通過與否之資訊傳送予電子錢包管理主機。電子錢包管理主機透過電信設備認證介面所回傳之資訊,作為核可電子錢包的依據。例如有員工換號、停話、信用不良、黑名單等,均於此審核並不允通過。其二為:需通過電子錢包管理主機認證錢包額度及啟用權限,如每月員工額度控管、可啟用電子錢包之員工群組等。進一步可包含錢包消費金額分擔比例驗證、每月提撥額度給特定員工(持續性按月支領權限驗證)等;步驟六、通過認證後,電子錢包管理主機會通知公司人資系統(資訊發送端),及員工手機(資訊接收端),確認已完成電子錢包開通。 Step 1. The employee submits the public travel itinerary and the travel expenses on the human resources system, informs the wallet to open the password, date (3 days), and uses the e-wallet phone number, user ID card number, and application for public fee. The amount, etc.; Step 2, the human resources system confirms the employee's mobile phone number and quota, applies for the e-wallet, and sets the wallet activation password submitted by the employee. Send the relevant information to the e-wallet management host (ie, the e-wallet management platform module, the following is omitted); Step 3, after the e-wallet management host confirms the information, send the opening request to the employee's mobile phone; Step 4: The employee's mobile phone enters the wallet opening information (including the phone number using the e-wallet, the user ID number), and return to the e-wallet The management host performs data authentication. Step 5: After receiving the employee opening information, the e-wallet management host will pass the mobile phone number and the certificate number to the telecommunication device authentication interface (the user who needs to recognize the door number in the authentication interface) Or for the certification interface provided by the telecommunications industry, to confirm whether the employee's identity is legally used. Since this e-wallet is tied to the telecom door number bill, the company's employees must be users of this carrier. There are two main points in the authentication process. One is: the telecom equipment authentication interface performs telecom door number authentication, and transmits the information of the pass or fail to the electronic wallet management host. The information returned by the e-wallet management host through the telecommunication device authentication interface serves as the basis for the approval of the e-wallet. For example, there are employees changing numbers, suspending calls, bad credits, blacklists, etc., which are not allowed to pass this review. The second is: the e-wallet needs to manage the host certification wallet quota and enable permissions, such as monthly employee quota control, employee groups that can enable e-wallet. Further, the wallet consumption amount sharing ratio verification may be included, and the monthly amount allocated to a specific employee (continuous monthly support authority verification), etc.; Step 6. After the certification, the electronic wallet management host will notify the company personnel system (information transmission) End), and employee mobile phone (information receiving end), confirm that the e-wallet has been opened.
上列詳細說明乃針對本發明之一可行實施例進行具體說明,惟該實施例並非用以限制本發明之專利範圍,凡未脫離本發明技藝精神所為之等效實施或變更,均應包含於本案之專利範圍中。 The detailed description of the present invention is intended to be illustrative of a preferred embodiment of the invention, and is not intended to limit the scope of the invention. The patent scope of this case.
綜上所述,本案不僅於技術思想上確屬創新,並具備習用之傳統方法所不及之上述多項功效,已充分符合新 穎性及進步性之法定發明專利要件,爰依法提出申請,懇請貴局核准本件發明專利申請案,以勵發明,至感德便。 In summary, this case is not only innovative in terms of technical thinking, but also has many of the above-mentioned effects that are not in the traditional methods of the past. The statutory and progressive statutory invention patent requirements, 提出 apply in accordance with the law, and ask your bureau to approve the invention patent application, in order to invent invention, to the sense of virtue.
100‧‧‧資訊接收端模組 100‧‧‧Information receiving terminal module
101‧‧‧通訊單元 101‧‧‧Communication unit
102‧‧‧錢包安裝單元 102‧‧‧Wallet installation unit
200‧‧‧資訊發送端模組 200‧‧‧Information sender module
201‧‧‧通訊單元 201‧‧‧Communication unit
202‧‧‧錢包申請單元 202‧‧‧Wallet application unit
300‧‧‧電子錢包管理平台模組 300‧‧‧Electronic Wallet Management Platform Module
301‧‧‧錢包受理單元 301‧‧‧ wallet acceptance unit
302‧‧‧正附卡關聯資訊儲存空間 302‧‧‧With card associated information storage space
400‧‧‧電信伺服器模組 400‧‧‧Telecom server module
401‧‧‧門號認證單元 401‧‧‧door certification unit
Claims (6)
Priority Applications (1)
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TW103131693A TWI528302B (en) | 2014-09-15 | 2014-09-15 | System and Method of Application for Wallet |
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TW103131693A TWI528302B (en) | 2014-09-15 | 2014-09-15 | System and Method of Application for Wallet |
Publications (2)
Publication Number | Publication Date |
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TW201610879A true TW201610879A (en) | 2016-03-16 |
TWI528302B TWI528302B (en) | 2016-04-01 |
Family
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TW103131693A TWI528302B (en) | 2014-09-15 | 2014-09-15 | System and Method of Application for Wallet |
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TW (1) | TWI528302B (en) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI668986B (en) * | 2017-12-28 | 2019-08-11 | 李耀庭 | Private key processing method for electronic wallet |
CN113259870A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Auxiliary card opening method and device |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI801841B (en) * | 2021-04-14 | 2023-05-11 | 臺灣網路認證股份有限公司 | System for using queried telecom server to verify identity and method thereof |
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2014
- 2014-09-15 TW TW103131693A patent/TWI528302B/en not_active IP Right Cessation
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI668986B (en) * | 2017-12-28 | 2019-08-11 | 李耀庭 | Private key processing method for electronic wallet |
CN113259870A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Auxiliary card opening method and device |
CN113259870B (en) * | 2021-05-18 | 2022-03-11 | 中国银行股份有限公司 | Auxiliary card opening method and device |
Also Published As
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TWI528302B (en) | 2016-04-01 |
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