TW201804387A - System and method for updating digital wallet data more use convenience can be provided by allowing users to operate the digital wallet application programs so as to simplify the complicated procedure of contacting the card issuing server on updating the personal data - Google Patents

Abstract

The present invention provides a system and a method for updating digital wallet data. The method comprising the following steps: first, installing and registering a digital wallet data on a mobile device such that user data can be directly updated in the digital wallet through the mobile device so as to generate change data to be transmitted to a management server. The management server sends an authentication request to the mobile device according to the change data, and the mobile device is configured to receive an input of one authentication content corresponding to the authentication request for authentication. After the management server determines that the authentication is successful, the user data is updated in the management database of the management server with the change data; and finally sends the change data to a card issuing server for updating and storage. By managing the server to handle all information of users using the digital wallet, more use friendly applications can be provided by allowing users to operate the digital wallet application programs so as to simplify the complicated procedure of contacting the card issuing server on updating the personal data.

Description

System and method for updating digital wallet data

The invention relates to a system and method for updating digital wallet data, in particular to a technical field of updating user data and management through the digital wallet.

According to the increasing development of technology, people's living functions will be improved accordingly. In order to save consumers the time wasted by shopping and spending time, various online stores are booming. Consumers choose products in online stores. Later, if you want to complete the transaction, you need to further choose the payment method. Existing payment methods include, for example, transferring money at an automated teller machine (ATM) or using cash on delivery; the fastest and most convenient payment method is to use credit cards for online transactions.

The method of continuing online transactions on credit cards includes the following steps: online store provides a credit card transaction interface; consumers enter information about the credit card they want to use, such as credit card number and credit card expiration date; Send the relevant information of the credit card to the payment institution via the Internet, such as the issuing bank; the transaction is approved by the issuing bank after confirmation. However, there is still a risk of property loss due to the theft of relevant credit card information. Therefore, the digital wallet application has been developed accordingly. The mobile devices used by users correspond to a mobile phone number, and the mobile phone number corresponds to the digital skin. Folder, you only need to enter your mobile phone number to perform payment transactions during online transactions, and the transaction information will be verified by the card issuing bank, which can reduce the risk of credit card theft. However, when the user wants to change the phone number of the mobile phone, he must contact the card-issuing bank and confirm the personal information. As a result, the card-issuing bank needs a large amount of data to update the operating procedures and processing time, as well as high labor costs. Problems such as reduced willingness of wallets and poor processing efficiency of card-issuing banks; therefore, how to improve the efficiency of updating digital wallet information and improve its convenience are urgent issues to be resolved.

In view of this, the present invention proposes a system and method for updating digital wallet data in response to the lack of the foregoing prior art, so as to effectively overcome the aforementioned problems.

The main object of the present invention is to provide a system and method for updating digital wallet data. An application with digital wallet installed and registered on a mobile device, and the user directly logs in to the digital wallet through the mobile device to update user data. You need to complete the authentication process of the management server to complete the transaction data of the user data, which makes it more convenient and time-saving.

Another object of the present invention is to provide a system and method for updating digital wallet data, which uses a management server as an intermediary manager of a mobile device and a card issuing server, so that it is possible to omit a user's need to update user data The complicated and expensive procedures of contacting the issuing server must be contacted.

In order to achieve the above object, the present invention provides a data update method for a digital wallet, which is applied to a mobile device, which has a digital wallet corresponding to storing a user data. The data update method includes the following steps: The user data is updated in the digital wallet to generate a transaction data and send it to a management server; the management server sends an authentication request to the mobile device according to the transaction data; and the mobile device inputs the authentication content corresponding to the authentication request to the management server ; After the management server judges that the authentication content is successful, it updates the user data in the management database of one of the management servers to the changed data; and the management server sends the changed data to the card issuing server for update and storage.

The invention provides another system for updating digital wallet data, including at least one mobile device, a management server, and at least one card issuing server. The mobile device has a digital wallet, which stores a user data correspondingly. When the user data is updated in the digital wallet, a transaction data is generated; the management server is connected to the mobile device by a signal, and the management server has a management Database, storing user data, the management server receives the change data, and manages the change data in the digital wallet and updates the user data in the management database to the change data; and the card issuing server has a user database , Which stores user data, the card issuing server receives the transaction data from the management server, and updates the user data in the user database to the transaction data.

With the rapid rise of electronic products and the increase in functional requirements, especially smart mobile devices are the new darlings of current life. In addition to integrating many functionalities into mobile devices, they have also developed in accordance with the convenience of use. Many applications, such as Apps as auxiliary gadgets for daily life applications, are especially applied to virtual cards. Online transactions must be confirmed directly by the card-issuing bank. If you want to modify personal information, you must complete a series of verifications through the card-issuing bank to complete the modification process. Not only is it very troublesome for the user, but it also increases the workload and high labor cost of the card-issuing bank. Therefore, the present invention is eager to improve and innovate. After years of painstaking research, it has developed an updated digital wallet data. System and method for creating a more efficient management method for users using virtual cards.

Please refer to FIG. 1 for a block diagram of the present invention. The system for updating digital wallet data includes at least one mobile device 10, a management server 12 and at least one card issuing server 14. The mobile device 10 is connected to the management server 12 by a signal, and the management server 12 is a signal connected to the card issuing server 14. The mobile device 10 of the present invention is essentially a smart phone or a tablet computer with a communication function. The mobile device 10 has a digital wallet 102, and the digital wallet 102 stores a user data 16 correspondingly. Wherein, the mobile device 10 can download and install the digital wallet 102 from the application server first. Since the mobile device 10 is paired with a mobile phone door number and email account, the digital wallet 102 can be registered first, and the user inputs the mobile device. The mobile phone number of 10 is transmitted to the management server 12, and then the management server 12 sends a proprietary One Time Password (OTP) to the mobile device 10, and then enters the corresponding proprietary password through the mobile device 10. The verification content of the one-time dynamic password is verified by the management server 12 for the mobile phone door number and the correctness of the content. If the verification is successful, the management server assigns an identification code to each digital wallet to manage the digital wallet 102 The corresponding user data 16 completes the registration process.

Wherein, when the user updates the personal data 16 in the digital wallet 102 through the mobile device 10, an abnormal data is generated. The management server 12 has a management database 122 that stores user data 16. The management server 12 receives the transaction data from the mobile device 10, and manages the transaction data in the digital wallet 102 and uses the management data in the management database 122. The person data 16 is updated to the transaction data. The card issuing server 14 is a back-end server that issues a physical card, such as a bank unit. The card issuing server 14 has a user database 142 that stores the user's personal information 16; The application process is performed by the card issuing server 14 and the user data 16 is stored. Therefore, the user data 16 can be transmitted from the card issuing server 14 to the management server 12 and stored in the management database 122 to facilitate the management server 12 to manage digital Any change data in the user data of the wallet 102. The card issuing server 14 receives the transaction data from the management server 12 and updates the user data 16 in the user database 142 to the transaction data.

Please also refer to Figure 2 for another block diagram of this creation. In addition to the above-mentioned mobile device 10 signal connecting to the management server 12, the mobile device updates the user data 16 in the digital wallet 102 to generate a transaction data to be transmitted to the management server 12, and performs subsequent authentication and management to update the implementation of the transaction data Outside the mode, the mobile device 10 is a signal connection management server 12 and a card issuing server 14. Among them, the mobile device 10 notifies the card issuing server 14 of the change data through email, network platform or phone, and the card issuing server 14 directly checks the user data 16 with the mobile device. User data is updated to change data, at the same time, the mobile device 10 updates the user data 16 in the digital wallet 102 to generate the change data and send it to the management server 12, and the management server 12 manages the changes in the digital wallet The data and the user data 16 in the management database 122 are updated to the transaction data, and the transaction data is transmitted to the card issuing server 14. In this way, the card issuing server 14 can receive the transaction data notified by the mobile device 10 and the transaction data authenticated by the management server, and double-check the correctness of the transaction data, which can more effectively prevent intentional people from tampering with it. The risk of personal information makes users more confident and secure when using the digital wallet 102 for online transactions or other business activities.

In order to further understand how the present invention updates the digital wallet data, please refer to FIG. 3 at the same time, which is a flowchart of the steps of the present invention. The method of updating the data of the digital wallet is applied to at least one mobile device 10, which is equipped with a digital wallet 102, the digital wallet 102 stores a corresponding user data 16, and the digital wallet 102 is a credit card, a financial card, a signature The virtual card of debit card, stored value card or electronic ticket smart card, so the user data 16 stored in the digital wallet 102 corresponds to the users in the management database of the management server 12 and the user database of the card issuing server Information 16. In step S10, the mobile device 10 updates the user data 16 in the digital wallet 102. The user data 16 is selected from the mobile phone door number and the electronic mailbox to generate a transaction data and send it to a management server 12. For example, Nowadays, the variety and functionality of mobile devices 10 are becoming more and more diversified, which has also increased the users ’willingness to purchase. Therefore, telecommunications companies will propose preferential solutions to attract users to replace mobile devices 10 and match new mobile phone doors. Number and e-mail. When the user uses the digital wallet 102 on the mobile device 10 and replaces the new mobile device, it is also possible to update the user data 16 accordingly. Therefore, as long as the user updates the user data in the digital wallet 102 through the mobile device 10 16, the transaction data can be generated and transmitted to the management server 12.

Continuing, as in step S12, the management server 12 sends an authentication request to the mobile device 10 according to the transaction data, wherein the management server 12 sends an authentication request to the mobile device 10 via text message, voice or email, and the authentication request is a special Some one-time dynamic passwords or authentication letters that require personal information. In step S14, via the mobile device 10, the authentication content corresponding to one of the authentication requirements is input to the management server 12, and the authentication content is responded according to the authentication requirements. For example, the authentication request is a proprietary one-time dynamic password, such as a string of numbers and English letters. Or a combination of the one-time dynamic passwords, the mobile device 10 inputs the content of the corresponding one-time dynamic passwords. If it is a personal data, it corresponds to the personal data input when the digital wallet 102 is registered. For step S16, the management server 12 determines whether the authentication content is successfully verified. If not, it returns to step S12 and re-sends an authentication request to the mobile device 10. If it is, then step S18 is performed to manage the management data of the management server 12. The user data 16 in the library 122 is updated with the change data. Finally, step S20 is performed. The management server 12 sends the transaction data to the card issuing server 14 for update and storage, that is, the user data 16 in the user database 142 is synchronized with the transaction data.

Among them, when a plurality of mobile devices 10 simultaneously update user data in the digital wallet 102 and generate a plurality of transaction data, the management server 12 integrates the transaction data corresponding to different mobile devices 10 into a file and sends it to The card issuing server 14 corresponding to the mobile device 10; in other words, the transaction data of different mobile devices 10, but belonging to the same card issuing server 14, the management server 12 can integrate the transaction data of different mobile devices 10 into a file, and then Sending to the corresponding card issuing server 14 can greatly reduce the amount of data, and can further save the complicated operation time of the card issuing server 14, so as to achieve the highest efficiency of the entire system.

In summary, the present invention installs and registers an application with a digital wallet on a mobile device, directly logs in to the digital wallet through the mobile device to update user data, and uses the management server as an intermediary management between the mobile device and the card issuing server Or, you only need to complete the authentication process of the management server to complete the change of user data, which makes it more convenient and time-saving. It can also omit that the user must contact the card issuer to update the user data each time. The server is complicated and expensive.

The foregoing are merely preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. Therefore, all equal changes or modifications made according to the features and spirit described in the scope of the application of the present invention shall be included in the scope of patent application of the present invention.

10‧‧‧ mobile device
102‧‧‧digital wallet
12‧‧‧ Management Server
122‧‧‧Management database
14‧‧‧Card issuing server
142‧‧‧User Database
16‧‧‧User Information

Figure 1 is a block diagram of the present invention. Figure 2 is another block diagram of the present invention. Figure 3 is a flowchart of the steps of the present invention.

Claims (16)

A data update method for a digital wallet is applied to at least one mobile device, and a digital wallet is installed. The digital wallet stores corresponding user data. The data update method includes the following steps: The mobile device is on the digital The user data is updated in the wallet to generate a transaction data to be transmitted to a management server; the management server sends an authentication request to the mobile device according to the transaction data; and the mobile device enters an authentication corresponding to the authentication request Content to the management server; after the management server judges that the authentication content is successfully verified, update the user data in a management database of the management server to the transaction data; and the management server transmits the transaction The data is updated and stored in the card issuing server. The data updating method for a digital wallet according to claim 1, wherein the step of updating the user data further includes the mobile device transmitting the transaction data to the card issuing server. The data updating method of the digital wallet according to claim 1, wherein the management server is a signal linking the card issuing server and the digital wallet, and the card issuing server further has a user database that stores the user data , Can send the user data to the management database of the management server for storage. The data updating method for a digital wallet according to claim 1, wherein the management server assigns an identification code of each digital wallet to manage the user data corresponding to the digital wallet. The data updating method of the digital wallet according to claim 1, wherein the user data is selected from a mobile phone door number and an electronic mailbox. The data updating method of the digital wallet according to claim 1, wherein the authentication request is a proprietary one-time dynamic password or an authentication letter requiring personal data. The data updating method for a digital wallet according to claim 1, wherein the management server sends the authentication request to the mobile device through a text message, voice, or email. The data updating method for a digital wallet according to claim 1, wherein the management server may aggregate the transaction data corresponding to different mobile devices into a file for transmission to the card issuing server corresponding to the mobile device. The data updating method of the digital wallet according to claim 1, wherein the digital wallet is a virtual card of a credit card, a financial card, a debit card, a stored value card, or an electronic ticket smart card. A system for updating digital wallet data includes: at least one mobile device having a digital wallet corresponding to storing a user data, and when the user data is updated in the digital wallet, an abnormal data is generated; a A management server connected to the mobile device using a signal. The management server has a management database storing the user data. The management server receives the transaction data and manages the transaction data in the digital wallet. And updating the user data in the management database to the transaction data; and at least one card issuing server having a user database that stores the user data, the card issuing server receiving from the management server The change data, and update the user data in the user database to the change data. The system for updating digital wallet data as described in claim 10, wherein the mobile device notifies the card issuing server of the transaction data through an email, a network platform, or a telephone. The system for updating digital wallet data according to claim 10, wherein the user data is transmitted from the card issuing server to the management server, and is stored in the management database. The system for updating digital wallet data as described in claim 10, wherein the management server assigns an identification code to each digital wallet to manage the user data corresponding to the digital wallet. The system for updating digital wallet data as described in claim 10, wherein the user data is a mobile phone door number and an electronic mailbox. The system for updating digital wallet data according to claim 10, wherein the management server can aggregate the transaction data corresponding to different mobile devices into a file for transmission to the card issuing server corresponding to the mobile device. The system for updating digital wallet information according to claim 10, wherein the digital wallet is a virtual card of a credit card, a financial card, a debit card, a stored value card, or an electronic ticket smart card.