TW201610879A - Application system of additional electronic wallet and method thereof - Google Patents

Abstract

Disclosed is an application system of an additional electronic wallet and a method thereof. The method is to apply an electronic wallet on an electronic wallet management platform through an information delivery end and then set electronic wallet information of an information receiving end; then the electronic wallet management platform sends out a request for activating the electronic wallet to the information receiving end; the information receiving end instructs for an input of electronic wallet activation information according to the request, and then sends it back to the electronic wallet management platform; the electronic wallet management platform verifies the received electronic activation information sent back from the information receiving end and then performs a number authorization with a telecommunication server; the electronic wallet management platform records the authorization result, and sets relevant information of the electronic wallet for both the information delivery end and the information receiving end, then notifies both parties of an approval of the electronic wallet application.

Description

Card-type electronic wallet application system and method

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

The invention provides a card-type electronic wallet application system and method, which has the following advantages when compared with other conventional technologies:

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. 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. 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. 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‧‧‧Information receiving terminal module

101‧‧‧Communication unit

102‧‧‧Wallet installation unit

200‧‧‧Information sender module

201‧‧‧Communication unit

202‧‧‧Wallet application unit

300‧‧‧Electronic Wallet Management Platform Module

301‧‧‧ wallet acceptance unit

302‧‧‧With card associated information storage space

400‧‧‧Telecom server module

401‧‧‧door certification unit

S201~S206‧‧‧ Flow diagram

S301~S306‧‧‧ another process step

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.

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.

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.

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.

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.

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.

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)

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.

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.

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.

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‧‧‧Information receiving terminal module

101‧‧‧Communication unit

102‧‧‧Wallet installation unit

200‧‧‧Information sender module

201‧‧‧Communication unit

202‧‧‧Wallet application unit

300‧‧‧Electronic Wallet Management Platform Module

301‧‧‧ wallet acceptance unit

302‧‧‧With card associated information storage space

400‧‧‧Telecom server module

401‧‧‧door certification unit

Claims (6)

A card-type electronic wallet application system, wherein the system comprises: an information sending end module, wherein the system comprises a communication unit and a wallet application unit, wherein the communication unit is connected to the electronic wallet management platform module and the information receiving terminal module The group performs data transmission or reception, and decrypts or encrypts the received or transmitted data. The wallet application unit processes and transmits information related to the application of the attached electronic wallet; the information receiving terminal module includes a a communication unit and a wallet installation unit, wherein the communication unit performs data transmission or reception with the electronic wallet management platform module and the information sending end module, and decrypts or encrypts the received or transmitted data, and the wallet is installed. The unit is configured to process and transmit installation information related to the accessory electronic wallet; the electronic wallet management platform module includes a wallet receiving unit and a positive attached card associated information storage space, and the wallet receiving unit is Processing and transmitting the information related to the opening of the card-type electronic wallet, the associated card storage information is empty Department stores information related to being attached to the electronic wallet card; telecommunications server module system contains a number of certification unit, and the purse of the admissibility of the application unit attached door number and identity card electronic purse of authentication. The card-type electronic wallet application system of claim 1, wherein the information sending end module and the information receiving end module are authenticated by the telephone number and the identity card number in the telecommunication server module. . The card-type electronic wallet application system of claim 1, wherein the information receiving terminal module is a mobile phone, a tablet computer or the like. A device having a wallet mounting unit installed. The attached card e-wallet application system according to claim 1, wherein the information sending module end is a notebook computer, a desktop computer, a tablet computer, a mobile phone or other installation wallet application unit. Device. The method for applying the card-type electronic wallet comprises the following steps: Step 1: The information sending end applies to the electronic wallet management platform to apply for the electronic wallet to the information receiving end; Step 2: The information sending end notifies the information receiving end of the electronic wallet to open the password; Step 3 The electronic wallet management platform sends the electronic wallet to open the communication information to the information receiving end; in step 4, the information receiving end returns the electronic wallet opening information to the electronic wallet management platform; and the electronic wallet management platform and the telecommunication server perform the information receiving end identity authentication. Step 6: The e-wallet management platform is successfully authenticated, and the information sender and the information receiver have been notified that the e-wallet has been applied for or opened. The method for applying the card-type electronic wallet according to item 4 of the patent application scope includes the following steps: Step 1: The information receiving end informs the information sending end that the electronic wallet opens the password; Step 2: The information sending end applies to the electronic wallet management platform The electronic wallet is used by the information receiving end; in step 3, the electronic wallet management platform sends the electronic wallet to open the communication information to the information receiving end; in step 4, the information receiving end returns the electronic wallet opening information to the electronic wallet management platform; Step 5: The electronic wallet management platform and the telecom server perform identity authentication of the information receiving end; in step 6, the electronic wallet management platform is successfully authenticated, and the information sending end and the information receiving end are notified that the electronic wallet has been applied for or opened.