TWI642009B - System and method for updating digital wallet data - Google Patents

Abstract

The invention provides a system for updating digital wallet data and a method thereof, which are installed and registered with a digital wallet before a mobile device, and can directly update user data in a digital wallet through a mobile device, thereby generating transaction data. 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 inputs the authentication content corresponding to one of the authentication requirements for confirmation, and the management server determines that the authentication content is successful after verification. The user data in one of the management servers of the management server is updated to the transaction data, and finally the transaction data is transmitted to a card issuing server for update storage. By managing the server to manage all user data using the digital wallet, the user can solve the complicated program of contacting the card issuing server to update the personal data by operating the digital wallet application, which makes the use more convenient.

Description

System and method for updating digital wallet data

The present invention relates to a system and method for updating digital wallet data, and more particularly to a technical field for updating user data and management thereof through a digital wallet.

According to the development of technology, people's living functions have improved. In order to save consumers time spent wasted on shopping, a variety of online stores are booming, and consumers are choosing goods in online stores. After that, if you want to complete the transaction, you need to choose a payment method. Existing payment methods include, for example, automatic teller machine (ATM) transfer or cash on delivery; the quickest and most convenient way to pay is to use a credit card for online transactions.

The method of continuing online transactions on credit cards includes the following steps: the online store provides a credit card transaction interface; the consumer inputs information about the credit card to be used, such as a credit card number and a credit card expiration date, on the credit card transaction interface; Send the relevant information of the credit card to the payment institution through the network, such as the issuing bank; the issuing bank confirms the transaction after confirmation. However, the information about the input credit card is still at risk of being stolen and causing property damage. Therefore, the application of the digital wallet is corresponding. The mobile device used by the user corresponds to a mobile phone number, and the mobile phone number corresponds to the digital skin. For online transactions, you only need to enter the mobile phone number to make a payment transaction, and the transaction information will be checked by the issuing bank, which can reduce the risk of the credit card being stolen. However, when the user wants to change the mobile phone number, he must contact the issuing bank and confirm the personal data, which causes the issuing bank to need a large amount of data to update the operating procedures and processing time, as well as high labor costs and other shortcomings, resulting in the use of digital The willingness to reduce the wallet and the poor processing efficiency of the issuing bank; therefore, how to improve the efficiency of updating the digital wallet data and improve the convenience of use is an urgent problem to be solved.

In view of the above, the present invention has been directed to a system for updating digital wallet data and a method thereof in order to effectively overcome the above problems.

The main object of the present invention is to provide a system for updating digital wallet data and a method thereof, which install and register a digital wallet application on a mobile device, and directly log in a digital wallet through a mobile device to update user data, only The management server authentication program is required to complete the transaction data of the user data, which makes the use more convenient and time-saving.

Another object of the present invention is to provide a system for updating digital wallet data and a method thereof, which utilizes a management server as an intermediary manager of a mobile device and a card issuance server, so that the user can be omitted each time the user profile is updated. You must contact the issuing server for complicated procedures and it is very expensive.

For the purpose of the above, the present invention provides a data updating method for a digital wallet, which is applied to a mobile device having a digital wallet corresponding to storing a user data. The data updating method comprises the following steps: The user data is updated in the digital 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 inputs one of the corresponding authentication requirements to the management server. After the management server determines that the authentication content is successful, the user data in one of the management servers of the management server is updated to the transaction data; and the management server transmits the transaction data to the card issuing server for update storage.

The present invention provides another system for updating digital wallet data, comprising 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, and 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 using the signal, and the management server has a management. The database stores the user data, the management server receives the transaction data, manages the transaction data in the digital wallet, and updates the user data in the management database to the transaction data; and the card issuing server has a user database The user information is stored, and 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 improvement of functional requirements, smart mobile devices are the new darlings of current life dependence. In addition to many functions integrated into mobile devices, they are developed according to the convenience of use. Many applications, such as Apps, are used as auxiliary gadgets for life applications, especially for virtual cards. Online transactions must be confirmed directly by the issuing bank. To modify personal data, a series of verification data must be sent through the issuing bank to complete the modification process. It is not only very troublesome for the user to use, but also increases the workload of the issuing bank and the high labor cost. Therefore, the present invention is improved and innovated by the invention, and after years of painstaking research, an updated digital wallet data has been developed. The system and its methods create a more efficient management method for users who use virtual cards.

Please refer to FIG. 1 , which is a block diagram of the present invention. The system for updating the digital wallet data includes at least one mobile device 10, a management server 12, and at least one card issuing server 14, a mobile device 10 signal connection management server 12, and a management server 12 for signal connection to the card issuing server 14. The mobile device 10 of the present invention is substantially 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 corresponding thereto. The mobile device 10 can first download and install the digital wallet 102 from the application server. Since the mobile device 10 is paired with a mobile phone number and an email account, the digital wallet 102 can be registered first, and the mobile device is input by the user. The mobile phone number of 10 is transmitted to the management server 12, and then the management server 12 transmits a proprietary One Time Password (OTP) to the mobile device 10, and then inputs the corresponding proprietary device via the mobile device 10. The verification content of the one-time dynamic password is verified by the management server 12 for verifying the correctness of the mobile phone door number and the verification content. If the verification is successful, the management server assigns the identification code of each digital wallet to manage the digital wallet 102. The corresponding user data 16 is used to complete the registration process.

Wherein, when the user updates the personal data 16 in the digital wallet 102 through the mobile device 10, a transaction 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 the use in the management database 122. The user data 16 is updated to the transaction data. The card issuing server 14 is a backend server for issuing a physical card, such as a bank unit. The card issuing server 14 has a user database 142 for storing the user's personal data 16; since the user applies for a physical card, the first 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 by the card issuing server 14 to the management server 12, and stored in the management database 122, so that the management server 12 can manage the digital position. Any change data in the user profile 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 mobile device 10 signal connection management server 12, the mobile device updates the user data 16 in the digital wallet 102 to generate a transaction data to the management server 12, and performs subsequent authentication and management to update the transaction data. In addition, the mobile device 10 is connected to the signal management server 12 and the card issuing server 14. The mobile device 10 notifies the card issuing server 14 of the transaction data through the email, the network platform or the telephone, and the card issuing server 14 directly checks the user data 16 with the mobile device, and the user can access the user data in the user database. The user data is updated to the transaction data, and the mobile device 10 updates the user data 16 in the digital wallet 102 to generate the transaction data to be transmitted to the management server 12, and the management server 12 manages the transaction 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 receive the transaction data authenticated by the management server, and perform the double confirmation of the correctness of the transaction data, so as to more effectively prevent the malicious person from maliciously tampering with the use. The risk of the data allows the user to use the digital wallet 102 for more confidence and security when conducting 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 as a flowchart of the steps of the present invention. The data update method of the digital wallet is applied to at least one mobile device 10, which is provided 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, and a sign. The virtual card of the account card, the stored value card or the electronic ticket smart card, so the user data 16 stored in the digital wallet 102 corresponds to the management database of the management server 12 and the user in 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 number and the electronic mail box to generate a transaction data to be transmitted to a management server 12; for example, Nowadays, the variety of mobile devices 10 is more diverse and functional, and the user's willingness to purchase is relatively increased. Therefore, the telecom operators will propose a preferential solution to attract users to replace the mobile device 10 and match the new mobile phone door. Number and e-mail. When the user uses the digital wallet 102 in the mobile device 10 to replace the new mobile device, it is also possible to update the user data 16 accordingly. Therefore, 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.

Then, 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 transmits the authentication request to the mobile device 10 through the short message, voice or email, and the authentication request is a specialization. Some one-time dynamic passwords or authentication letters that require personal information. In step S14, the mobile device 10 inputs one of the authentication requirements to the management server 12, and the authentication content is replied according to the authentication requirement. For example, the authentication request is a proprietary one-time dynamic password, such as a string of numbers and English letters. Or a one-time dynamic password of the combination of the above, the mobile device 10 inputs the content of the corresponding one-time dynamic password, and if the personal data is input, the personal data input when the digital wallet 102 is registered is input. In step S16, the management server 12 determines whether the authentication content is successfully verified. If not, the process returns to step S12 to resend an authentication request to the mobile device 10; if yes, step S18 is executed to manage the management data of the server 12. The user profile 16 in the library 122 is updated to the transaction data. Finally, in step S20, the management server 12 transmits the transaction data to the card issuing server 14 for update storage, that is, the user data 16 in the user database 142 is synchronously updated to the transaction data.

Wherein, when a plurality of mobile devices 10 simultaneously update the user data in the digital wallet 102 and generate a plurality of transaction data, the management server 12 aggregates the transaction data corresponding to the different mobile devices 10 into one file and transmits the data to the file. The card issuing server 14 corresponding to the mobile device 10; in other words, the transaction data of the different mobile devices 10, but belonging to the same card issuing server 14, the management server 12 can collect the transaction data of the different mobile devices 10 into a file, and then The data is sent to the corresponding card issuing server 14, so that the amount of data can be greatly reduced, and the complicated working time of the card issuing server 14 can be saved, and the entire system can be maximized.

In summary, the present invention installs and registers a digital wallet application on a mobile device, directly accesses a digital wallet through a mobile device to update user data, and utilizes a management server as an intermediary device for the mobile device and the card issuing server. Only need to complete the authentication procedure of the management server to complete the transaction data of the user data, which makes the use more convenient, more time-saving and the like, and can omit the user must contact the card issuing every time the user data is updated. The complicated procedures of the server are very expensive.

The above is only the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Therefore, any changes or modifications of the features and spirits of the present invention should be included in the scope of the present invention.

10‧‧‧Mobile devices

102‧‧‧Digital wallets

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 flow chart of the steps of the present invention.

Claims (16)

A data updating method for a digital wallet is applied to at least one mobile device, which is mounted with a digital wallet, and the digital wallet stores a corresponding user data. The data updating method comprises the following steps: the mobile device is in the digital position Updating the user profile 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 inputting a verification corresponding to the authentication requirement by the mobile device Contenting the content to the management server; the management server determines that the authentication content is the verification success, updating the user data in the management database of one of the management servers to the transaction data; and the management server transmits the transaction The data is sent to the card issuing server for update storage, and when the plurality of mobile devices simultaneously update the user data in the respective wallet and generate the complex transaction data, the management server will correspond to the different mobile device. The transaction data is aggregated into a file and transmitted to the card issuing server corresponding to each of the mobile devices Device. The data updating method of the digital wallet according to claim 1, wherein in the step of updating the user data, the mobile device further includes the mobile device transmitting the transaction data to the card issuing server. The data update method of the digital wallet according to claim 1, wherein the management server is connected to the card issuing server and the digital wallet, and the card issuing server further has a user database for storing the user data. The user data can be transferred to the management database of the management server for storage. The data update method of the digital wallet according to claim 1, wherein the management server assigns an identification code of each of the digital wallets 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 number and an electronic mail box. The data update method of the digital wallet as claimed in claim 1, wherein the authentication request is a proprietary one-time dynamic password or an authentication letter requiring personal data. The data update method of the digital wallet as claimed in claim 1, wherein the management server sends the authentication request to the mobile device by using a short message, a voice or an email. The data update method of the digital wallet of claim 1, wherein the management server can merge the different data corresponding to the mobile device 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 charge card, a stored value card or an electronic ticket smart card. A system for updating digital wallet data, comprising: 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, a transaction data is generated; a management server, which is connected to the mobile device by using a signal, the management server has a management database for 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 storing the user data, the card issuing server receiving from the management server Transmitting the data and updating the user data in the user database to the transaction data, and if the plurality of mobile devices simultaneously update the user data in the respective wallet and generate the plurality of transaction data The management server aggregates the different data corresponding to the different mobile devices into one file and transmits to each of the actions Issuing the corresponding opposite servo Device. The system for updating the digital wallet data according to claim 10, wherein the mobile device notifies the card issuing server of the transaction data by using an email, a network platform or a telephone. The system for updating the digital wallet data as claimed in claim 10, wherein the user data is transmitted by the card issuing server to the management server, and is stored in the management database. The system for updating the digital wallet data as claimed in claim 10, wherein the management server assigns an identification code of each of the digital wallets to manage the user data corresponding to the digital wallet. A system for updating a digital wallet data as claimed in claim 10, wherein the user data is a mobile phone number and an electronic mail box. The system for updating the digital wallet data according to claim 10, wherein the management server can merge the different data corresponding to the mobile device into a file for transmission to the card issuing server corresponding to the mobile device. The system for updating the digital wallet data as claimed in claim 10, wherein the digital wallet is a virtual card of a credit card, a financial card, a charge card, a stored value card or an electronic ticket smart card.