TWI579785B - Digital wallet management system - Google Patents

Digital wallet management system Download PDF

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Publication number
TWI579785B
TWI579785B TW105124248A TW105124248A TWI579785B TW I579785 B TWI579785 B TW I579785B TW 105124248 A TW105124248 A TW 105124248A TW 105124248 A TW105124248 A TW 105124248A TW I579785 B TWI579785 B TW I579785B
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TW
Taiwan
Prior art keywords
corresponding
application server
virtual card
digital wallet
personal data
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Application number
TW105124248A
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Chinese (zh)
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TW201804386A (en
Inventor
Tong-Yong Pan
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Priority to TW105124248A priority Critical patent/TWI579785B/en
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Publication of TWI579785B publication Critical patent/TWI579785B/en
Publication of TW201804386A publication Critical patent/TW201804386A/en

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Description

Digital wallet management system

The present invention relates to a management system, and more particularly to a digital wallet management system.

A credit card is issued by a commercial bank to individuals and units. In order to shop, consume, and access cash to a bank, a special carrier card with consumer credit is in the form of a front-end issuing bank name, expiration date, number, The name of the cardholder, etc., and the card with the magnetic stripe and the signature strip on the back. The card-issuing bank gives the cardholder a certain credit limit, and the cardholder can use the credit card that is first consumed and then repaid within the credit limit. It is convenient and convenient to use the credit card for credit card consumption, which is convenient for the user.

However, the use of physical credit cards still has a lot of inconveniences in the service, especially these services involve personal data processing or changes in modern people. For example, when a credit card holder loses more than one credit card and needs to report the loss or temporarily disable it, the cardholder must contact the issuing bank one by one to complete the credit card loss or suspend the operation, which will cost the cardholder a lot of time. And the energy in the telephone communication with the customer service commissioner of the issuing bank, in terms of timeliness, the credit card may be immediately stolen by others and the cardholder is at risk of taking on the debt.

Accordingly, the present invention has been made in view of the above problems, and a digital wallet management system has been proposed to solve the problems caused by the prior art.

The main object of the present invention is to provide a digital wallet management system, which uses a mobile communication device to exchange and compare data with an financial server through an application server to complete or disable the virtual card service in the digital wallet, even if needed There are a plurality of virtual cards processed, and there is no need to go to the financial unit to carry out the paper data processing process in a short time, so as to greatly reduce the processing time and the risk of the cardholder's virtual card being stolen.

To achieve the above object, the present invention provides a digital wallet management system comprising an application server and at least one financial unit. Use a server signal connection to install a mobile communication device with a digital wallet, such as a notebook computer, a smart phone or a tablet. The application server is provided with a management code corresponding to the digital wallet and the first personal data, wherein the first personal data includes a user's name, email address, nationality, telephone number, gender, education level, occupational category, marital status, average Annual income and instant messaging account. The mobile communication device transmits the identification data of the first identification code and the digital wallet to the application server by using the digital wallet. When the application server determines that the first identification code and the management code correspond to each other, the application server outputs the first personal data and the identification data. The financial unit signal is connected to the application server, and has a second personal data and its corresponding digital wallet service, wherein the second personal data includes the user's name, email address, nationality, telephone number, gender, education level, Occupational category, marital status, average annual income and instant messaging account. The financial unit receives the first personal data and the identification data. When the financial unit determines that the first personal data and the second personal data correspond to each other, the financial unit permanently stops or temporarily stops the corresponding digital wallet service according to the identification data. For example, if the mobile communication device is a smart phone, and the second personal data further includes the phone number of the smart phone. When the financial unit judges that the first personal data and the second personal data correspond to each other, the financial unit sends a first verification code to the smart phone by using the telephone number, and the smart phone transmits the first verification code to the financial use by using the digital wallet and the application server. Unit to permanently stop or temporarily stop the corresponding digital wallet service.

Specifically, the digital wallet further includes a plurality of virtual cards, each financial unit corresponds to at least one virtual card, the identification data is a virtual card number, the digital wallet service is a virtual card service, and the financial unit is a virtual card issuing bank. The mobile communication device transmits the corresponding virtual card number and the first identification code to the application server by using the virtual card to be deactivated. When the application server determines that the first identification code and the management code correspond to each other, the application server transmits the virtual card number corresponding to the first personal data and the first identification code 2jo to the corresponding financial unit. Then, when the financial unit determines that the first personal data and the second personal data correspond to each other, the financial unit sends the first verification code to the smart phone by using the phone number, and the smart phone transmits the first virtual card and the application server by using the virtual card to be deactivated. The verification code is sent to the financial unit, and the financial unit permanently stops or temporarily stops the corresponding virtual card service according to the virtual card number corresponding to the first identification code 2jo. In addition, when the financial unit permanently stops the virtual card service, the financial unit transmits its corresponding stop message to the application server, and the application server controls the mobile communication device to delete the icon of the virtual card corresponding to the stop message according to the stop message. When the financial unit temporarily stops the virtual card service, the financial unit transmits its corresponding pause message to the application server, and the application server controls the mobile communication device to display the icon of the virtual card corresponding to the pause message in grayscale according to the pause message.

When the financial unit temporarily stops the virtual card service, the mobile communication device transmits the corresponding virtual card number and a second identification code to the application server by using the virtual card to be deactivated. When the application server determines that the second identification code and the management code correspond to each other, the application server transmits the virtual card number corresponding to the first personal data and the second identification code to the corresponding financial unit. Then, when the financial unit determines that the first personal data and the second personal data correspond to each other, the financial unit sends a second verification code to the smart phone by using the phone number, and the smart phone uses the deactivated card code to give the application servo The virtual card to be deactivated and the application server transmit the second verification code to the financial unit, and the financial unit restores the corresponding virtual card service according to the virtual card number corresponding to the second identification code.

In order to give your reviewers a better understanding and understanding of the structural features and efficacies of the present invention, the following is a description of the preferred embodiment and the detailed description.

Embodiments of the invention will be further illustrated below in conjunction with the associated drawings. Wherever possible, the same reference numerals in the drawings In the drawings, shapes and thicknesses may be exaggerated based on simplification and convenient labeling. It is to be understood that the elements not specifically shown in the drawings or described in the specification are those of ordinary skill in the art. A variety of changes and modifications can be made by those skilled in the art in light of the present invention.

Please refer to Figure 1 below. The digital wallet management system of the present invention comprises an application server 10 and at least one financial unit 12, wherein the number of financial units 12 is exemplified by a plurality of three, namely, financial units 121, 122, 123, and financial units 12 series. Operate with the host. The application server 10 is connected to a mobile communication device 14 equipped with a digital wallet, such as a notebook computer, a smart phone or a tablet computer, and the digital wallet is an application (App). The application server 10 is provided with a management code corresponding to the digital wallet and the first personal data P, wherein the first personal data includes a user's name, email address, nationality, telephone number, gender, education level, occupational category, and marital status. , average annual income and instant messaging account. The mobile communication device 14 transmits the identification data DF of the first identification code D1 and the digital wallet to the application server 10 by using the digital wallet. When the application server 10 determines that the first identification code D1 and the management code correspond to each other, for example, when the first identification code D1 and the management code are identical to each other, the application server 10 outputs the first personal data P and the identification data DF. The financial unit 12 signal connects to the application server 10, and has a second personal data and its corresponding digital wallet service, wherein the second personal data includes the user's name, email address, nationality, telephone number, gender, education. Level, occupational category, marital status, average annual income, and instant messaging account. The financial unit 12 receives the first personal data P and the identification data DF. When the financial unit 12 determines that the first personal data P and the second personal data correspond to each other, for example, when the first personal data P and the second personal data are identical to each other, the financial unit 12 is identified by The data DF permanently stops or temporarily stops its corresponding digital wallet service. For example, if the mobile communication device 14 is a smart phone, and the second personal data further includes the phone number of the smart phone. When the financial unit 12 determines that the first personal data P and the second personal data correspond to each other, the financial unit 12 sends a first verification code to the smart phone by using the telephone number, and the smart phone transmits the first use of the digital wallet and the application server 10. The verification code is given to the financial unit 12 to permanently stop or temporarily stop the corresponding digital wallet service.

Specifically, the digital wallet further includes a plurality of virtual cards, each financial unit 12 corresponds to at least one virtual card, the identification data DF is a virtual card number, the digital wallet service is a virtual card service, and the financial unit 12 is a virtual card issuing bank. . For example, the virtual card is a virtual credit card, the virtual card number is a credit card number, the virtual card service is a credit card service, and the financial unit 12 is a virtual credit card issuing bank. A virtual card can represent a credit card, a financial card, a charge card, a stored value card, or an electronic ticket smart card. The mobile communication device 14 transmits the corresponding virtual card number and the first identification code D1 to the application server 10 by using the virtual card to be deactivated. When the application server 10 determines that the first identification code D1 and the management code correspond to each other, the application server 10 transmits the virtual card number corresponding to the first personal data P and the first identification code 2joD1 to the corresponding financial unit 12, for example, a financial unit. 122. Next, when the financial unit 122 determines that the first personal data P and the second personal data correspond to each other, the financial unit 122 sends the first verification code to the smart phone by using the phone number, and the smart phone uses the virtual card and the application server to be deactivated. 10, the first verification code is transmitted to the financial unit 122, and the financial unit 122 permanently stops or temporarily stops the corresponding virtual card service according to the virtual card number corresponding to the first identification code 2jo. In addition, when the financial unit 122 permanently stops the virtual card service, the financial unit 122 transmits its corresponding stop message to the application server 10, and the application server 10 controls the mobile communication device 14 to delete the virtual card corresponding to the stop message according to the stop message. Graphic. When the financial unit 122 temporarily stops the virtual card service, the financial unit 122 transmits its corresponding pause message to the application server 10, and the application server 10 controls the mobile communication device 14 to display the virtual card corresponding to the pause message in grayscale according to the pause message. Show.

In addition, when the financial unit 122 temporarily stops the virtual card service, the mobile communication device 14 transmits the corresponding virtual card number and a second identification code D2 to the application server 10 by using the virtual card to be deactivated. When the application server 10 determines that the second identification code D2 and the management code correspond to each other, the application server 10 transmits the virtual card number corresponding to the first personal data P and the second identification code D2 to the corresponding financial unit 122. Next, when the financial unit 122 determines that the first personal data P and the second personal data correspond to each other, the financial unit 122 sends a second verification code to the smart phone by using the phone number, and the smart phone uses the above-mentioned deactivated card code to The virtual card to be deactivated by the application server and the application server 10 transmit the second verification code to the financial unit 122, and the financial unit 122 restores the corresponding virtual card service according to the virtual card number corresponding to the second identification code. Since the virtual card of the present invention has the same usage rights as the physical credit card, for example, if the virtual card is suspended, the physical credit card is also in a suspended state, so when the physical credit card of the card holder is lost, the method of the present invention can be utilized. Temporarily stop or permanently stop the virtual card service. If a physical credit card is found, the present invention can also be used to restore the virtual card service. In the present invention, the procedure for deactivating or restoring the virtual card can be completed by using the mobile communication device 14 to exchange and compare the data with the financial unit 12 through the application server 10, even if there are multiple virtual cards to be processed, It is also not necessary to go to the financial unit 12 to carry out the paper data processing process in a short time, so as to greatly reduce the processing time and reduce the risk of the cardholder's virtual card being stolen.

The following describes the operation flow of the present invention for temporarily stopping the virtual card service. Referring to FIG. 1 and FIG. 2, the mobile communication device 14 is exemplified by a smart phone. First, as shown in step S10, the mobile communication device 14 transmits the corresponding virtual card number and the first identification code D1 to the application server 10 by using the virtual card to be deactivated. Next, as shown in step S12, the application server 10 determines whether the first identification code D1 and the management code correspond to each other, and if so, proceeds to step S14, and if not, proceeds to step S16, which ends the entire flow. In step S14, the application server 10 transmits the virtual card number corresponding to the first profile P and the first identification code 2joD1 to its corresponding financial unit 122. After step S14, step S18 is performed. In step S18, the financial unit 122 determines whether the first personal data P and the second personal data correspond to each other, and if so, proceeds to step S20, and if not, proceeds to step S22, which ends the entire flow. In step S20, the financial unit 122 sends the first verification code to the mobile communication device 14 by using the telephone number, and the mobile communication device 14 transmits the first verification code to the financial unit 122 by using the virtual card to be deactivated. The unit 122 temporarily stops the corresponding virtual card service according to the virtual card number corresponding to the first identification code 2jo, and generates a corresponding pause message. Finally, as shown in step S22, the financial unit 122 transmits a pause message to the application server 10, and the application server 10 controls the mobile communication device 14 to display the icon of the virtual card corresponding to the pause message in grayscale according to the pause message.

In order to restore the temporarily suspended virtual card service, please refer to Figures 1 and 3 below. First, as shown in step S24, the mobile communication device 14 transmits the corresponding virtual card number and the second identification code D2 to the application server 10 by using the virtual card to be deactivated. Next, as shown in step S26, the application server 10 determines whether the second identification code D2 and the management code correspond to each other, and if so, proceeds to step S28, and if not, proceeds to step S30, which ends the entire flow. In step S28, the application server 10 transmits the virtual card number corresponding to the first profile P and the second ID 2joD2 to its corresponding financial unit 122. After step S28, step S32 is performed. In step S32, the financial unit 122 determines whether the first personal data P and the second personal data correspond to each other, and if so, proceeds to step S34, and if not, proceeds to step S36, which ends the entire flow. In step S34, the financial unit 122 sends the second verification code to the mobile communication device 14 by using the telephone number, and the mobile communication device 14 transmits the second verification code to the financial unit 122 by using the virtual card to be deactivated. The unit 122 temporarily stops the corresponding virtual card service according to the virtual card number corresponding to the second identification code 2jo, and generates a corresponding recovery message. Finally, as shown in step S36, the financial unit 122 transmits a resume message to the application server 10, and the application server 10 controls the mobile communication device 14 to display the icon of the virtual card corresponding to the resume message in color according to the resume message.

The following describes the operation process of the permanent stop virtual card service of the present invention. Referring to FIG. 1 and FIG. 4, the mobile communication device 14 is exemplified by a smart phone. First, as shown in step S38, the mobile communication device 14 transmits the corresponding virtual card number and the first identification code D1 to the application server 10 by using the virtual card to be deactivated. Next, as shown in step S40, the application server 10 determines whether the first identification code D1 and the management code correspond to each other, and if so, proceeds to step S42, and if not, proceeds to step S44, which ends the entire flow. In step S42, the application server 10 transmits the virtual card number corresponding to the first profile P and the first identification code 2joD1 to its corresponding financial unit 122. After step S42, step S46 is performed. In step S46, the financial unit 122 determines whether the first personal data P and the second personal data correspond to each other, and if so, proceeds to step S48, and if not, proceeds to step S50, which ends the entire flow. In step S48, the financial unit 122 sends the first verification code to the mobile communication device 14 by using the telephone number, and the mobile communication device 14 transmits the first verification code to the financial unit 122 by using the virtual card to be deactivated. The unit 122 permanently stops the corresponding virtual card service according to the virtual card number corresponding to the first identification code 2jo, and generates its corresponding disable message. Finally, as shown in step S52, the financial unit 122 transmits a disable message to the application server 10, and the application server 10 controls the mobile communication device 14 to delete the icon of the virtual card corresponding to the disable message according to the disable message.

In summary, the present invention uses a mobile communication device to process data through an application server and a financial unit to disable or restore the virtual card service in the digital wallet. Even if there are multiple virtual cards to be processed, it is not necessary to be in a short time. Personally go to the financial unit to carry out the paper data processing process, in order to greatly reduce the processing time and the risk of the cardholder's virtual card being stolen.

The above is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, so that the shapes, structures, features, and spirits described in the claims of the present invention are equally varied and modified. All should be included in the scope of the patent application of the present invention.

10‧‧‧Application Server
12‧‧‧Financial units
121‧‧‧Financial units
122‧‧‧Financial units
123‧‧‧Financial units
14‧‧‧Mobile communication device

Figure 1 is a block diagram of the system of the digital wallet management system of the present invention. Figure 2 is a flow chart showing the operation of the digital wallet management system of the present invention for temporarily stopping the virtual card service. Figure 3 is a flow chart showing the operation of the virtual wall card service of the digital wallet management system of the present invention. Figure 4 is a flow chart showing the operation of the digital wallet management system of the present invention for permanently stopping the virtual card service.

10‧‧‧Application Server

12‧‧‧Financial units

121‧‧‧Financial units

122‧‧‧Financial units

123‧‧‧Financial units

14‧‧‧Mobile communication device

Claims (10)

  1. A mobile wallet management system includes: an application server, the signal connection is installed with a mobile communication device of a digital wallet, the application server is provided with a management code corresponding to the digital wallet and the first personal data The mobile communication device transmits the first identification code and the identification information of the digital wallet to the application server by using the digital wallet, and when the application server determines that the first identification code and the management code correspond to each other, The application server outputs the first personal data and the identification data; and at least one financial unit, the signal is connected to the application server, and the second personal data and its corresponding digital wallet service are provided, and the financial unit receives the first person And the identification data, when the financial unit determines that the first personal data and the second personal data correspond to each other, the financial unit stops the corresponding digital wallet service according to the identification data.
  2. The digital wallet management system of claim 1, wherein the mobile communication device is a smart phone, and the second personal data further includes a phone number of the smart phone, and the first personal data is determined by the financial unit When the second personal data corresponds to each other, the financial unit sends the first verification code to the smart phone by using the phone number, and the smart phone transmits the first verification code to the financial server by using the digital wallet and the application server. Unit to stop the corresponding wallet service.
  3. The digital wallet management system of claim 2, wherein the financial unit permanently stops or temporarily stops the corresponding digital wallet service.
  4. The digital wallet management system of claim 3, wherein the digital wallet further comprises a plurality of virtual cards, the number of the financial units is also plural, and each of the financial units corresponds to at least one virtual card, and the identification data is a virtual card number service, the digital wallet service serving a virtual card, and the mobile communication device transmits the corresponding virtual card number and the first identification code to the application server by using the virtual card to be deactivated, in the application When the server determines that the first identification code and the management code correspond to each other, the application server transmits the virtual card number corresponding to the first personal data and the first identification code 2jo to the corresponding financial unit, and then When the financial unit determines that the first personal data and the second personal data correspond to each other, the corresponding financial unit uses the telephone number to send the first verification code to the smart phone, and the smart phone utilizes the desire to stop The virtual card and the application server transmit the first verification code to the corresponding financial unit, and the corresponding financial unit is based on the first identification code 2jo The virtual card number should stop the corresponding virtual card service.
  5. The digital wallet management system of claim 4, wherein the corresponding financial unit transmits the corresponding stop message to the application server when the corresponding financial unit permanently stops the corresponding virtual card service, The application server controls the mobile communication device to delete the icon of the virtual card corresponding to the disable message according to the stop message; and the corresponding financial unit temporarily stops the corresponding virtual card service, the corresponding The financial unit transmits its corresponding pause message to the application server, and the application server controls the mobile communication device to display the icon of the virtual card corresponding to the pause message in grayscale according to the pause message.
  6. The digital wallet management system of claim 4, wherein the financial units are card issuing banks of the virtual cards.
  7. The digital wallet management system of claim 4, wherein when the corresponding financial unit temporarily stops the corresponding virtual card service, the mobile communication device transmits the corresponding virtual virtual card by using the virtual card to be deactivated. The Kaka number and a second identification code are sent to the application server. When the application server determines that the second identification code and the management code correspond to each other, the application server transmits the first personal data corresponding to the second identification code. The virtual card number is given to the corresponding financial unit, and then, when the corresponding financial unit determines that the first personal data and the second personal data correspond to each other, the corresponding financial unit sends a second by using the telephone number a verification code is sent to the smart phone, and the smart phone transmits the second verification code to the application server by using the virtual card for deactivating the application card to the application server to the corresponding financial The unit, the corresponding financial unit recovers the corresponding virtual card service according to the virtual card number corresponding to the second identification code.
  8. The digital wallet management system of claim 1, wherein the first personal data includes a user's name, email address, nationality, telephone number, gender, education level, occupational category, marital status, average annual income, and instant Communication account number.
  9. The digital wallet management system of claim 1, wherein the second personal data includes a user's name, email address, nationality, telephone number, gender, education level, occupational category, marital status, average annual income, and Instant messaging account.
  10. The digital wallet management system of claim 1, wherein the mobile communication device is a notebook computer, a smart phone or a tablet computer.
TW105124248A 2016-07-29 2016-07-29 Digital wallet management system TWI579785B (en)

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TW105124248A TWI579785B (en) 2016-07-29 2016-07-29 Digital wallet management system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
TW105124248A TWI579785B (en) 2016-07-29 2016-07-29 Digital wallet management system

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TWI579785B true TWI579785B (en) 2017-04-21
TW201804386A TW201804386A (en) 2018-02-01

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020026419A1 (en) * 2000-08-24 2002-02-28 Sony Electronics, Inc. Apparatus and method for populating a portable smart device
TW200303496A (en) * 2001-12-19 2003-09-01 Harexinfotech Inc System and method for issuing card and processing blacklist using wireless communications
CN104662571A (en) * 2012-07-31 2015-05-27 谷歌公司 Managing devices associated with a digital wallet account
CN104715368A (en) * 2013-12-16 2015-06-17 中国移动通信集团公司 Method, device, system and relevant equipment for logging out electronic wallet

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020026419A1 (en) * 2000-08-24 2002-02-28 Sony Electronics, Inc. Apparatus and method for populating a portable smart device
TW200303496A (en) * 2001-12-19 2003-09-01 Harexinfotech Inc System and method for issuing card and processing blacklist using wireless communications
CN104662571A (en) * 2012-07-31 2015-05-27 谷歌公司 Managing devices associated with a digital wallet account
CN104715368A (en) * 2013-12-16 2015-06-17 中国移动通信集团公司 Method, device, system and relevant equipment for logging out electronic wallet

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