TWI395449B - Electronic wallet verification system and its method - Google Patents

Description

Electronic wallet verification system and method thereof

The invention relates to an electronic wallet verification method, in particular to a verification method between a bank server and the mobile communication device.

At present, you can directly use the mobile phone to purchase the card. If you use the credit card information, you can divide the transaction into three ways: directly enter the credit card number information in the transaction, use the pre-audit and store it on the mobile phone SIM card or chip. The credit card number information in the card, and the use of the code or account number agreed with the third party in advance to trade.

For example, the disclosure of the publication No. 200725459, "A method for performing credit card action payment authentication using a mobile phone" is the first method. The consumer first purchases the checkout at the online store, and then the consumer has to input the card number, the effective date, and the mobile phone on the mobile phone. The amount, and the special store code, and then the payment information is transmitted from the mobile phone to the telecom company's connection server, and then transmitted to the telecommunications operator and the bank's authorized transaction server in the online store room, and finally transmitted to the acquiring bank. Completing the transaction authorization, this method requires the consumer to input a large amount of credit card information on the miniature keyboard of the mobile phone, which is easy to cause input errors and inconvenience, and cannot prevent the consumer from using the stolen credit card information.

SUMMARY OF THE INVENTION Publication No. 200803435 "A method of using a mobile phone as an electronic ticket payment and its apparatus" is a second method using a composite personal identification chip (Combi-SIM) combined with a mobile phone. To store credit card information, this method must work with a specific carrier to use a pre-identified special SIM card, so consumers may need to switch to their carrier to use it.

Further, the publication publication No. 200816068 "a method for using a handheld communication device as a transaction payment tool" is a third method. When a consumer purchases a checkout, the consumer uses his mobile phone to call a third party's payment platform. Provide its identity authentication, purchase amount, and store code or seller's phone number to the payment platform. The payment platform responds to the consumer's random transaction identification number, and then the consumer informs the store of the transaction identification number, and the store calls the payment platform to provide Transaction identification number and confirm that the transaction time and amount are correct, then the store enters the phone to accept the transaction to complete the transaction. In this way, the consumer must provide their credit card information to the third party and rely on the third party. The transaction is completed, but at present most consumers do not believe in financial operators outside the bank.

In order to improve the above problem, to provide a non-wafer electronic wallet function on a mobile phone, and to prevent the use of stolen credit card information and without relying on a third party to complete the transaction, an object of the present invention is to provide an electronic wallet verification system. It allows the bank to directly transmit mobile wallet information to a mobile communication device before the transaction, and allows the consumer to use the reliable mobile wallet information for trading in the action transaction.

In order to achieve the above object, the present invention provides an electronic wallet verification system, comprising: a bank server and a mobile communication device.

The banking server is configured to receive a login message, the login information includes a login mobile phone number, a payment data, and a mobile wallet password. The banking server includes a short message module and an encryption module. The short message module is configured to send a text message according to the registered mobile phone number and receive a two-dimensional bar code confirmation message. The encryption module is configured to encrypt a mobile phone identification code, the login mobile phone number, and the payment data according to the mobile wallet password to form a mobile wallet information when the short message module receives the two-dimensional barcode confirmation message.

The mobile communication device is provided with a mobile phone identification code and a mobile phone number. The mobile communication device comprises a communication module, a transaction module and a storage module. The communication module is configured to receive the opening newsletter. The transaction module is configured to reply the confirmation message to the bank server according to the opening newsletter, and the confirmation message includes the mobile phone identification code and the mobile phone number. The storage module is used to store the mobile wallet information.

In order to achieve the above object, the present invention further provides an electronic wallet verification method, comprising the steps of: transmitting a login information to a banking server, the login information comprising a payment data, a mobile wallet password and a login mobile phone number. . According to the registered mobile phone number, an open message is sent to the mobile communication device via the bank server. After receiving the opening short message, the mobile phone identification code of the mobile communication device and the mobile phone number form a two-dimensional barcode confirmation message, and the two-dimensional barcode confirmation message is transmitted to the bank server. When the registered mobile phone number is the same as the mobile phone number, the payment information, the mobile phone number, and the mobile phone identification code are encrypted according to the mobile wallet password via the bank server to form a phone number. Mobile wallet information and storage of the mobile wallet information in the mobile communication device.

When the consumer uses the present invention to conduct an electronic wallet transaction, the mobile communication device receives a two-dimensional bar code transaction information from a store transaction device, inputs a mobile wallet password to decrypt the mobile wallet information, and compares the mobile phone identification in the mobile wallet information. When the code matches the mobile phone identification code of the mobile communication device, the transaction information, the mobile phone number, and the payment data are formed into an electronic wallet transaction information via the communication module according to the payment information in the mobile wallet information, and transmitted. On the bank server.

In summary, when the consumer conducts the electronic wallet transaction with the present invention, it only needs to input the mobile wallet password, and does not need to input a large amount of credit card and the like as in the prior art, thereby improving the convenience of the consumer, and The mobile phone identification code in the mobile wallet information and the mobile phone identification code of the mobile communication device need to match in order to transmit the mobile wallet information, and prevent others from using the stolen information for consumption.

The electronic wallet information and payment data of the present invention are transmitted only between the mobile communication device of the consumer and the bank server of the bank, and the information of the consumer's own credit card and the like are not provided to the third party, and the electronic device can be greatly increased. The security of the wallet transaction. In addition, the present invention only needs to use a general mobile communication device, and does not need to have a special SIM card and a special mobile phone hardware device as is conventional, and can increase the willingness of consumers to use it.

The advantages and spirit of the present invention will be further understood from the following detailed description of the invention.

Please refer to the first figure, which is an electronic wallet verification system 1000 of the present invention. The electronic wallet verification system 1000 is used to provide a way for a consumer to establish and use an electronic wallet for data verification between the consumer and the bank.

In the first embodiment of the present invention, the electronic wallet verification system 1000 includes a computer device 100, a bank server 200, a mobile communication device 300, and a store transaction device 400.

The computer device 100 can be a computer device 100 having a communication function such as a personal computer, a number of assistants, a laptop, or a smart phone. The computer device 100 can have a browser 110. The browser 110 can communicate with the web module 220 of the bank server 200 via the internet to display a web page 111. The consumer can input a login message via the webpage 111 for transmission to the webpage module 220.

The bank server 200 can be disposed in a bank. The bank server 200 includes a bank central processing module 210, a webpage module 220, a database 230, a memory module 240, a short message module 250, and a The data module, a verification module 260, and an encryption module 270.

The central processing module 210 of the bank can be a central processing unit (CPU) and related circuits for controlling and operating and coupling to the webpage module 220, the database 230, the memory module 240, and the short message. The module 250, the verification module 260, and the encryption module 270.

The webpage module 220 is composed of a program and a network card, and communicates with the browser 110 of the computer device 100 via the Internet to receive the login information, and stores the login information in the database 230. Also on the webpage After receiving the login information, the module 220 can transmit a verification code associated with the login information on the webpage 111 for viewing by the consumer, and store the provisioning verification code in a memory module 240 for temporary storage. The module 240 can be a memory.

The login information may include a login mobile phone number, a payment data, and a mobile wallet password, and the payment data may include an account data, a credit card data, and a bank communication data, and the account information is used by the consumer. The invention performs account information for bank deduction when consuming, and the bank communication data is a telephone number for the bank to receive an e-wallet transaction information.

The short message module 250 can be composed of hardware such as a program and a network card. The short message module 250 can be coupled to a base station of a carrier through the Internet to send a short message through the base station. The programming of the SMS module 250 and the hardware it forms, as well as how the SMS module 250 transmits the SMS through the base station, is a well-known technique and will not be described here.

The short message module 250 can send a text message according to the registered mobile phone number and receive a two-dimensional bar code confirmation message, and the two-dimensional bar code confirmation message includes a confirmation verification code input by the consumer and the mobile communication device 300. Set one of the phone IDs to a phone number. When the webpage module 220 receives the login information, the bank central processing module 210 can instruct the short message module 250 to issue the opening short message to the mobile communication device 300 according to the registered mobile phone number.

The verification module 260 can be a program and can be stored in the memory module 240. When the SMS module 250 receives the 2D barcode confirmation message, the bank central processing module 210 commands the verification module 260 to verify the activation verification. Code and the It is confirmed whether the verification codes are the same, and the judgment result is transmitted back to the bank central processing module 210.

The encryption module 270 can be a program and can be stored in the memory module 240. When the short message module 250 receives the two-dimensional barcode confirmation message, and the verification module 260 verifies that the activation verification code is the same as the verification verification code. The bank central processing module 210 controls the encryption module 270 to read the login information corresponding to the database 230 according to the mobile phone number control of the confirmation message. The encryption module 270 encrypts the login mobile phone number in the login information and the payment data and the mobile phone identification code in the confirmation message to form a mobile wallet information. The encryption module 270 can encrypt the mobile wallet information according to the mobile wallet password.

In this embodiment, after the encryption module 270 creates the mobile wallet information, the mobile wallet information is transmitted to the short message module 250, and the short message module 250 transmits an action wallet message containing the mobile wallet information to the mobile communication. The communication module 320 of the device 300.

The mobile communication device 300 can be a mobile communication device 300 with a communication function, such as a mobile phone or a PDA. The mobile communication device 300 is provided with a mobile phone identification code and a mobile phone number. A unique mobile phone identification code is provided so that it can be used for identifying the mobile communication device 300. The mobile phone number is a number that is required to be dialed when the other person wants to communicate with the mobile communication device 300. The mobile communication device 300 can change the mobile phone number of the mobile communication device 300 by replacing the SIM (Subscriber Identity Module) card.

The mobile communication device 300 can include a central processing module 310, a communication module 320, a transaction module 330, an input interface 340, and an identification module. 350. A storage module 360, a camera module 370, and a transaction information receiving module 380.

The central processing module 310 can be a central processing unit (CPU) and related circuits for controlling and operating and coupling to the communication module 320, the transaction module 330, the storage module 360, and the recognition module. The group 350, and the transaction information receiving module 380 and other modules.

The communication module 320 can include related hardware such as an antenna. The mobile communication device 300 can communicate with other mobile communication devices via the communication module 320, and the communication module 320 is a conventional technology. Explain. The communication module 320 can be configured to receive the opening short message sent by the bank server 200, and the mobile phone identification code and the mobile phone number can be set in the communication module 320.

The transaction module 330 can be a program and can be stored in the storage module 360. The consumer can download and store it in the mobile communication device 300 via the Internet. Therefore, the present invention does not require a special mobile communication device. When the mobile communication device 300 receives the opening short message, the consumer can execute the transaction module 330 and read the verification code from the web page 111 to input a confirmation verification code, and the transaction module 330 can be read by the communication module 320. The mobile phone identification code and the mobile phone number, and replying to the two-dimensional bar code confirmation message on the bank server 200 according to the opening short message, the two-dimensional bar code confirmation message system may include the mobile phone identification code and the mobile phone number and the confirmation verification code.

The transaction module 330 can also be used to decrypt the mobile wallet information stored by the mobile communication device 300, and can be the same as the mobile phone identification code provided in the mobile wallet information and the mobile phone identification code provided in the mobile communication device 300.

The input interface 340 can be a keyboard group disposed on the mobile communication device 300. The input interface 340 is available for the consumer to enter a confirmation verification code.

The identification module 350 can be a program and can be stored in the storage module 360. The consumer can download and store it in the mobile communication device 300 via the Internet. Therefore, the present invention does not require a special mobile communication device. The identification module 350 receives the mobile wallet message sent by the bank server 200 via the communication module 320, and determines that the mobile wallet information has the action wallet information in the mobile wallet message, and stores the action wallet information in the storage before the action transaction. Module 360.

The storage module 360 can be a memory for storing the mobile wallet information. The transaction information receiving module 380 can be a Bluetooth or infrared receiving module for receiving the two-dimensional bar code transaction information 410 generated by the store transaction device 400. In another embodiment, the transaction information receiving module 380 can be the communication module 320.

The store transaction device 400 is for generating a two-dimensional barcode transaction information 410 and transmitting the transaction information 410 to the mobile communication device 300.

When the consumer wants to use the present invention to conduct an electronic wallet transaction, the item to be purchased may be registered with the store transaction device 400 and a two-dimensional bar code transaction information 410 may be generated. Thereafter, the store transaction device 400 can transmit the two-dimensional barcode transaction information 410 to the transaction information receiving module 380 with a wireless signal. At this time, if the consumer has a plurality of sets of mobile wallet information stored in the storage module 360, the transaction module 330 can display a menu for the consumer to select. After selection, the transaction module 330 asks the consumer to enter an action wallet password corresponding to the mobile wallet information.

The transaction module 330 decrypts the selected action wallet information according to the mobile wallet password, and compares the mobile phone identification code and the action within the action wallet information. The communication device 300 is provided with the same mobile phone identification code. If the mobile phone identification code is the same, the electronic wallet transaction information is transmitted to the bank server 200 via the communication module 320. The electronic wallet transaction information includes the transaction information 410, the mobile phone number, and the Payment information. In this embodiment, the electronic wallet transaction information may be a short message. In another embodiment, the electronic wallet transaction information may be transmitted to the bank server 200 via the internet via the communication module 320.

Finally, the bank server 200 can confirm the consumer according to the mobile phone number or the mobile phone identification code included in the electronic wallet transaction information, and deduct the payment according to the payment data and the two-dimensional bar code transaction information 410.

In the second embodiment of the present invention, unlike the first embodiment, the mobile wallet information encrypted by the encryption module 270 is a two-dimensional barcode. The mobile wallet information can be processed by the encryption module 270 to form a two-dimensional barcode graphic, and transmitted to the browser 110 via the webpage module 220 for display on the webpage 111.

The mobile communication device 300 further includes a camera module 370 for capturing the mobile wallet information to form a coded image. The identification module 350 is configured to compile the encoded image captured by the camera module 370 into the mobile wallet information and transmit it to the storage module 360 for storage.

Please refer to FIG. 2 and FIG. 2A for the flow chart of the first embodiment of the present invention. The following component numbers are also referred to the first figure.

The user can connect to the webpage module 220 of the bank server 200 by using the browser 110, and the browser 110 receives the webpage 111 sent by the webpage module 220. The consumer can input a webpage 111 on the webpage 111. The bank account number and a bank password are used to log in to a bank server 200 (step S101).

The user can also use the browser 110 to transmit a login information to the webpage module 220 of the bank server 200. The central processing module 210 generates a provisioning verification code according to the login information, and the verification code is transmitted to the browser 110. In the web page 111, the login information includes a payment data, a login mobile phone number, and a mobile wallet password (step S103).

According to the registered mobile phone number, a short message is sent to the mobile communication device 300 via the short message module 250 of the bank server 200 (step S105).

After receiving the opening short message, the mobile communication device 300 activates the transaction module 330 of the mobile communication device 300 to input a confirmation verification code, and the confirmation verification code is input according to the activation verification code (step S107).

The transaction module 330 forms a two-dimensional barcode confirmation message with the mobile phone identification code of the mobile communication device 300 and the mobile phone number and the activation verification code, and transmits the two-dimensional barcode confirmation message to the bank server 200 (step S109).

The verification module 260 determines whether the registered mobile phone number is the same as the mobile phone number and verifies whether the provisioning verification code verification is passed (step S111).

If the step S111 is different and does not pass, an error message is sent to the browser 110 or the mobile communication device 300 via the bank server 200 (step S113).

If the same and pass, the payment data, the registered mobile phone number, and the mobile phone identification code are encrypted by the encryption module 270 according to the mobile wallet password to form a mobile wallet information (step S121).

The short message module 250 transmits an action wallet message including one of the action wallet information to the mobile communication device 300 (step S123).

When the identification module 350 of the mobile communication device 300 recognizes that the mobile wallet message has the mobile wallet information (step S125), the storage module 360 of the mobile communication device 300 stores the mobile wallet information (step S127).

Please refer to the third figure and the third A figure, which are flowcharts of the steps of the second embodiment of the present invention. The following component numbers are also referred to the first figure. Steps S201 to S213 and step S221 in the third and third A diagrams are the same as steps S101 to S113 and step S121 in the second and second A diagrams, and after step S221, steps S223 to S229 are continued.

The webpage module 220 displays the mobile wallet information on the webpage 111 of the computer device 100, wherein the mobile wallet information can be a two-dimensional barcode (step S223).

The action wallet information on the web page 111 is captured via the photography module 370 to form a coded image (step S221).

The identification module compiles the encoded image into the mobile wallet information (step S227), and stores the mobile wallet information in the storage module 360 of the mobile communication device 300 (step S229).

Please refer to the fourth figure, which is a flow chart of steps in the electronic wallet transaction using the electronic wallet verification system 1000 of the present invention. The following component numbers are also referred to the first figure.

When the consumer wants to use the present invention to conduct an electronic wallet transaction, the item to be purchased may be registered with the store transaction device 400 and a two-dimensional bar code transaction information 410 may be generated. Thereafter, the store transaction device 400 can transmit the two-dimensional barcode transaction information 410 to the transaction information receiving module 380 of the mobile communication device 300 by a wireless signal. At this time, if the storage module 360 has multiple sets of mobile wallet information, the transaction module 330 can display a menu for the consumer to select (step S301).

The consumer can use the input interface 340 to input a mobile wallet password to decrypt the mobile wallet information into a mobile phone identification code, the login mobile phone number, and a payment data. If the consumer input is incorrect, the transaction module is issued. A password error message can be given to the consumer three times to enter an error. If the consumer enters more than three times, the transaction module can delete the mobile wallet information to prevent the mobile wallet information from being stolen (step S303).

The transaction module 330 is more than the mobile phone identification code in the mobile wallet information and the mobile phone identification code of the mobile communication device 300 (step S305).

If the comparison in step S305 is not consistent, the error message is sent via the mobile communication device 300, and the consumer may be given three chances of error. If more than three errors occur, the transaction module may delete the action wallet information to prevent The mobile wallet information is stolen (step S307).

If the comparison in step S305 is consistent, the transaction information 410, the mobile phone number, and the payment data are formed into an electronic wallet transaction information via the communication module 320 according to the payment information in the mobile wallet information, and transmitted to the bank server. 200. Finally, the bank server 200 can confirm the consumer according to the mobile phone number or the mobile phone identification code included in the electronic wallet transaction information, and debit the transaction information 410 according to the payment information. (Step S309)

In summary, when the consumer conducts the electronic wallet transaction with the present invention, it only needs to input the mobile wallet password, and does not need to input a large amount of credit card and the like as in the prior art, thereby improving the convenience of the consumer, and The mobile phone identification code in the mobile wallet information and the mobile phone identification code of the mobile communication device 300 need to match the mobile wallet information to prevent the use of the stolen information for consumption.

The electronic wallet information and the payment information of the present invention are transmitted only between the mobile communication device 300 of the consumer and the bank server 200 of the bank, and the information of the consumer's own credit card and the like is not provided to the third party. Increase the security of e-wallet transactions. In addition, the present invention only needs to use the general mobile communication device 300, and does not need to have a special SIM card and a mobile phone as is conventional, and can increase the willingness of consumers to use it.

The features and spirit of the present invention will be more apparent from the detailed description of the preferred embodiments. On the contrary, the intention is to cover various modifications and equivalents within the scope of the invention as claimed.

1000‧‧‧Electronic Wallet Verification System

100‧‧‧ computer equipment

110‧‧‧ browser

111‧‧‧Webpage

200‧‧‧Bank server

210‧‧‧Bank Central Processing Module

220‧‧‧Web module

230‧‧‧Database

240‧‧‧Memory Module

250‧‧‧SMS module

260‧‧‧ verification module

270‧‧‧Encryption Module

300‧‧‧Mobile communication device

310‧‧‧Central Processing Module

320‧‧‧Communication Module

330‧‧‧Transaction module

340‧‧‧Input interface

350‧‧‧ Identification module

360‧‧‧ storage module

370‧‧‧Photography module

380‧‧‧Transaction information receiving module

400‧‧‧Store trading device

410‧‧‧Transaction Information

The first figure is an electronic wallet verification system of the present invention; the second diagram and the second diagram A are flowcharts of steps of the first embodiment of the electronic wallet verification method of the present invention; the third diagram and the third diagram A are The flow chart of the steps of the second embodiment of the electronic wallet verification method of the present invention; and the fourth figure is a flow chart of the steps when the electronic wallet transaction system of the present invention is used for the electronic wallet transaction.

1000‧‧‧Electronic Wallet Verification System

100‧‧‧ computer equipment

110‧‧‧ browser

111‧‧‧Webpage

200‧‧‧Bank server

210‧‧‧Bank Central Processing Module

220‧‧‧Web module

230‧‧‧Database

240‧‧‧Memory Module

250‧‧‧SMS module

260‧‧‧ verification module

270‧‧‧Encryption Module

300‧‧‧Mobile communication device

310‧‧‧Central Processing Module

320‧‧‧Communication Module

330‧‧‧Transaction module

340‧‧‧Input interface

350‧‧‧ Identification module

360‧‧‧ storage module

370‧‧‧Photography module

380‧‧‧Transaction information receiving module

400‧‧‧Store trading device

410‧‧‧Transaction Information

Claims (34)

An electronic wallet verification system includes: a banking server for receiving a login information, the login information includes a login mobile phone number and a payment data, the banking server includes; a short message module, And sending a two-dimensional barcode confirmation message according to the registered mobile phone number; and an encryption module encrypting a mobile phone identification code when the short message module receives the two-dimensional barcode confirmation message Logging in the mobile phone number and the payment data to form a mobile wallet information; and a mobile communication device having a mobile phone identification code and a mobile phone number, the mobile communication device comprising: a communication module for receiving Opening a newsletter; a transaction module for replying to the two-dimensional bar code confirmation message on the bank server according to the opening newsletter, the two-dimensional bar code confirmation message system includes the mobile phone identification code and the mobile phone number; Group, used to store the mobile wallet information. The electronic wallet verification system of claim 1, wherein the login data comprises a mobile wallet password. The electronic wallet verification system of claim 2, wherein the encryption module encrypts the mobile wallet information according to the mobile wallet password. The electronic wallet verification system of claim 3, wherein the transaction module decrypts the mobile wallet information stored in the storage module according to the mobile wallet password. The electronic wallet verification system of claim 1, wherein when the encryption module creates the mobile wallet information, the mobile wallet information is transmitted to the short message module, and the short message module transmits the included Mobile Wallet Information Mobile Wallet Newsletter is the communication module of the mobile communication device. The electronic wallet verification system of claim 5, wherein the mobile communication device further comprises an identification module, the identification module receives the mobile wallet newsletter via the communication module, and determines the mobile wallet newsletter After having the action wallet information, the action wallet information is stored in the storage module. The electronic wallet verification system of claim 1, wherein the bank server further comprises a webpage module for receiving the login information. The electronic wallet verification system of claim 7, further comprising a computer device, the computer device comprising a browser, wherein the browser communicates with the webpage module via the internet to display a webpage The consumer enters the login information via the webpage to transmit the webpage module. The electronic wallet verification system of claim 8, wherein the mobile wallet information encrypted by the encryption module forms a two-dimensional barcode graphic and is transmitted to the browser via the webpage module for display on the webpage. on. The electronic wallet verification system of claim 9, wherein the mobile communication device further comprises a camera module for capturing the barcode graphic to form a coded image. The electronic wallet verification system of claim 10, wherein the mobile communication device further comprises an identification module, wherein the identification module is configured to compile the encoded image captured by the camera module into the mobile wallet. Information is transmitted to the storage module for storage. The electronic wallet verification system of claim 1, wherein after the communication module receives the opening newsletter, a consumer can execute the transaction module to input a confirmation verification code, and the two-dimensional barcode confirmation message system The confirmation verification code is further included. The electronic wallet verification system of claim 12, wherein the encryption module encrypts the mobile phone identification code when the short message module receives the two-dimensional barcode confirmation message and verifies that the verification verification code is correct. The login mobile phone number and the payment information form the mobile wallet information. For example, the electronic wallet verification system described in item 1 of the patent application is further advanced. One step includes a store transaction device for generating a transaction information and transmitting the two-dimensional bar code transaction information to the mobile communication device in infrared or blue. The electronic wallet verification system of claim 14, wherein the transaction module is configured to decrypt the mobile wallet information stored by the mobile communication device, and compare the mobile phone identification code in the mobile wallet information with the The mobile communication identifier provided by the mobile communication device is the same. If the mobile communication identification code is the same, the electronic wallet transaction information is transmitted to the bank server via the communication module, and the electronic wallet transaction information includes the transaction information, the mobile phone number, and the Payment information. The electronic wallet verification system of claim 1, wherein the payment data comprises an account data and a bank communication data. The electronic wallet verification system of claim 1, wherein the payment data comprises a credit card data. An electronic wallet verification method includes the following steps: (a) transmitting a login information to a banking server, the login information includes a payment data and a login mobile phone number; (b) according to the login mobile phone number, The bank server sends a shortcut message to a mobile communication device; (c) after receiving the opening message, forming a two-dimensional barcode confirmation message with the mobile phone identification code of the mobile communication device and the mobile phone number, and the two-dimensional barcode Confirm that the SMS is transmitted to the bank server; (d) when the login phone number is the same as the phone number of the phone And encrypting the payment data, registering the mobile phone number, and the mobile phone identification code to form a mobile wallet information; and (e) storing the mobile wallet information in the mobile communication device. For example, in the electronic wallet verification method described in claim 18, before step (a), the method further includes a step of inputting a bank account number and a bank password to log in to a banking server. The electronic wallet verification method according to claim 18, wherein the login information further comprises a mobile wallet password. For example, in the electronic wallet verification method described in claim 20, in the step (d), the mobile wallet information is encrypted according to the mobile wallet password. The electronic wallet verification method according to claim 18, further comprising a step (b1) after the step (b), inputting a confirmation verification code to the mobile communication device via the consumer. The electronic wallet verification method according to claim 22, wherein the confirmation message includes the confirmation verification code in the step (c). The electronic wallet verification method according to claim 23, further comprising, in step (d), when verifying that the verification verification code is verified. The electronic wallet verification method according to claim 18, further comprising a step (d1) after the step (d), the bank transmitting an action wallet message including the mobile wallet information to the mobile communication device. The electronic wallet verification method according to claim 25, further comprising a step (d2) after the step (d1), identifying, by the mobile communication device, the mobile wallet having the mobile wallet News. The method for verifying the electronic wallet according to claim 18, further comprising a step (d3) after the step (d), generating a coded graphic according to the action wallet information and displaying the two-dimensional barcode of the action wallet information. A web page of a computer device. The method for verifying the electronic wallet according to claim 27, further comprising a step (d4) after the step (d3), capturing a two-dimensional barcode of the mobile wallet information on the webpage via the mobile communication device to form an encoding. image. The electronic wallet verification method according to claim 28, further comprising a step (d5) after the step (d4), compiling the encoded image into the mobile wallet information. The electronic wallet verification method according to claim 18, further comprising a step (f) after the step (e), wherein the mobile communication device receives a two-dimensional barcode transaction information from a store transaction device. The electronic wallet verification method according to claim 30, further comprising a step (g) after the step (f), inputting a mobile wallet password to decrypt the mobile wallet information to a mobile phone identification code, and a login Mobile phone number, and a payment data. The electronic wallet verification method according to claim 31, further comprising a step (h) after the step (g), when the mobile phone identification code in the mobile wallet information is compared with the mobile phone identification code of the mobile communication device In the case of matching, the transaction information, the mobile phone number, and the payment data are formed into an electronic wallet transaction information via the communication module according to the payment information in the mobile wallet information, and transmitted to the bank server. The electronic wallet verification method according to claim 18, wherein the payment data comprises an account data and a bank communication data. The electronic wallet verification method according to claim 18, wherein the payment data comprises a credit card data.