TWI658417B - Information management system and method of electronic payment - Google Patents

Abstract

The invention provides an information management system and method for electronic payment, which can reduce the risk to virtual electronic money when an electronic device is lost, and at the same time can ensure a high degree of security through multiple check security mechanisms.

Description

Information management system and method for electronic payment

The present invention relates to an information management system and method for electronic payment. More specifically, the present invention relates to an information management system and method for electronic payment with high security by using multiple check security mechanisms.

With the development of telecommunications technology and the rise of the Internet, e-commerce has gradually integrated into our daily lives. Among them, online transactions make people's consumption patterns more convenient, and Electronic Money (Electronic Money) is a convenient payment method for providing e-commerce, such as the recent international popularity of Bitcoin.

Electronic money is a virtual currency, which allows users to carry out the virtual method instead of carrying general currency. Each transaction has a complete record, which is convenient for industry and users to check their consumption records in the future.

However, enabling a user to use an electronic device for financial transactions may create various security risks. In detail, if a user loses his electronic device, there is a risk that the lost electronic device can be used for fraudulent financial transactions.

Therefore, there is a need for an information management system and method that can reduce the risk to virtual electronic coins when an electronic device is lost, and can also ensure highly secure electronic payments through multiple check security mechanisms.

In order to solve the above-mentioned problems, an object of the present invention is to provide an information management system and method for electronic payment with high security by utilizing a multiple check security mechanism.

One aspect of the present invention is to provide an electronic payment (Electronic Payment) information management system, which includes a server, a payment terminal, an electronic payment carrier device, and a plurality of consumer terminals. The server includes a processing device and a storage unit. The payment terminal is connected to the server, and is configured to receive the stored value and user data of the user, and transmit the stored value and user data to the server. The electronic payment carrier device includes a near field communication module and a data carrier. A plurality of consumer terminals are connected to the server. When the electronic payment vehicle device performs a stored value operation at the payment terminal, the server is configured to generate a plurality of verification codes and verification codes according to the user data and the stored value, and return The payment terminal is configured to write the plurality of verification codes and stored value into the data carrier through the near field communication module, and the electronic payment vehicle device is deducted from one of the plurality of consumer terminals. During the payment operation, the consumer terminal receives the input verification code and reads the plurality of verification codes of the electronic payment vehicle through the near field communication module, and transmits the debit amount to the server. The server is configured to determine the input verification code and The verification code is consistent, and the plurality of verification codes are consistent with the stored verification codes. If so, the remaining amount is deducted from the stored value in the server based on the deduction amount. Configured to receive the remaining amount and write to the data carrier via the near field communication module.

Preferably, the user data may include an ID card number, a mobile phone number, and a stored value date. The server may be configured to perform a verification code algorithm to generate a phase based on the ID card number, mobile phone number, stored value date, and stored value amount. Corresponding plural check codes and verification codes.

Preferably, when the electronic payment carrier device performs a debit operation on one of the plurality of consumer terminals, the consumer terminal may further transmit a debit date to the server, and the server may be configured to determine the deduction date and Whether the stored value date matches, and if so, the remaining amount is generated by deducting the stored value in the server based on the deducted amount.

Preferably, when the electronic payment vehicle device performs a refund operation on the payment terminal, the payment terminal can receive the input verification code input by the user, and read the plurality of verification codes of the electronic payment vehicle through the near field communication module. And the remaining amount to send to the server, the server is configured to determine whether the input verification code and the verification code match, and whether the plurality of check codes and the stored plurality of check codes match, and if so, generate based on the remaining amount The refund amount, the consumer terminal is configured to receive the refund amount.

Preferably, the payment terminal can be configured to perform a lost operation. The payment terminal receives the input verification code input by the user and sends it to the server. The server is configured to determine whether the input verification code and the verification code match, and if so, it will be plural Each check code, verification code, and remaining amount are transmitted to a payment terminal, and the payment terminal is configured to write a plurality of check codes and the remaining amount into a data carrier of another electronic payment vehicle device.

Another aspect of the present invention is to provide an electronic payment information management method, which includes the following steps: using an electronic payment vehicle device to perform a stored value operation at a payment terminal, and the electronic payment vehicle device includes a near field communication module Group and data carrier, and the payment terminal is connected to the server, the server contains a processing device and a storage unit; the payment terminal receives the user's stored value and user data, and transmits the stored value and user data to the server Server; configure server to The user data and stored value amount generate multiple verification codes and verification codes and return them to the payment terminal; configure the payment terminal to write the multiple verification codes and stored value into the data carrier through the near field communication module; electronically The payment vehicle device performs a debit operation on one of the plurality of consumer terminals; the consumer terminal receives the input verification code and configures the consumer terminal to read the plurality of verification codes of the electronic payment vehicle through the near field communication module, and The deduction amount is transmitted to the server; the server is configured to determine whether the input verification code and the verification code match, and whether the plurality of check codes and the stored plurality of check codes match; if so, the server is configured based on the deduction The amount is deducted from the stored value in the server to generate the remaining amount; and the consumer terminal is configured to receive the remaining amount and write it to the data carrier through the near field communication module.

Preferably, the user data may include an ID card number, a mobile phone number, and a stored value date, and the method further includes configuring a server to perform a check code algorithm based on the ID card number, mobile phone number, stored value date, and stored value amount. Generate corresponding verification codes and verification codes.

Preferably, the electronic payment information management method includes the following steps in the debit operation: configure the consumer terminal to send the debit date to the server; configure the server to determine whether the debit date matches the stored value date; if so, Then the configuration server deducts the stored value in the server according to the deduction amount and generates the remaining amount.

Preferably, the electronic payment information management method further includes the following steps: using the electronic payment vehicle device to perform a refund operation at the payment terminal; configuring the payment terminal to receive the input verification code input by the user, and reading it through the near field communication module The plurality of verification codes and the deduction amount of the electronic payment vehicle are transmitted to the server; the server is configured to determine whether the input verification code and the verification code match, and the plurality of verification codes and the plurality of stored verification codes Whether it conforms; if so, the configuration server generates a refund amount based on the deduction amount, and the consumer terminal is configured to receive the refund amount.

Preferably, the information management method for electronic payment further includes the following steps: configure the payment terminal to perform the lost operation; configure the payment terminal to receive the input verification code input by the user and send it to the server; configure the server to determine the input verification code and verification Whether the code matches; if so, the configuration server sends a plurality of check codes, verification codes and the remaining amount to the payment terminal; and the payment terminal is configured to write the plurality of check codes and the remaining amount to another electronic payment vehicle device Data carrier.

1‧‧‧ electronic payment information management system

100‧‧‧Server

102‧‧‧Processing device

104‧‧‧Storage unit

106‧‧‧Payment Terminal

108‧‧‧ electronic payment vehicle device

110‧‧‧Near Field Communication Module

112‧‧‧ Data Carrier

114A, 114B, ..., 114N‧‧‧Consumer terminals

116‧‧‧User Information

118‧‧‧Check code

120‧‧‧Verification Code

122‧‧‧ stored value

The above and other features and advantages of the present invention will become more apparent by explaining its exemplary embodiments in detail with reference to the drawings, in which:

FIG. 1 is a block diagram of an electronic payment information management system according to the present invention.

FIG. 2 is a flowchart of a stored value operation performed by the electronic payment information management system according to the present invention.

FIG. 3 is a cross-sectional view showing a second embodiment of a plano-concave mirror according to the present invention.

FIG. 4 is a flowchart of a refund operation performed by the electronic payment information management system according to the present invention.

FIG. 5 is a flowchart of a lost operation performed by the information management system for electronic payment according to the present invention.

In order to help examiners understand the technical features, contents and advantages of the present invention and the effects that can be achieved, the present invention will be described in detail in conjunction with the accompanying drawings in the form of embodiments, and the drawings used therein, The main purpose is only for the purpose of illustration and supplementary description. It may not be the actual proportion and precise configuration after the implementation of the invention. Therefore, the attached drawings should not be interpreted and limited to the scope of rights of the present invention in actual implementation. He Xianming.

As used herein, the term "and / or" includes any and all combinations of one or more of the associated listed items. When the phrase "at least one" is prefixed before a component list, the entire list component is modified rather than the individual components in the list.

The invention mainly uses electronic charging facilities charged by commercial establishments as the application scope. It uses near-field communication (NFC) technology to design an electronic payment information management system. It uses the convenience and convenience of electronic payment and Security to reduce real money time and improve operational efficiency.

Please refer to FIG. 1, which is a block diagram of an information management system for electronic payment according to the present invention. As shown in the figure, the electronic payment (Electronic Payment) information management system 1 includes a server 100, a payment terminal 106, an electronic payment carrier device 108, and a plurality of consumer terminals 114A, 114B, ..., 114N.

The server 100 includes a processing device 102 and a storage unit 104. The server 100 described herein includes a memory that associates a configuration to implement one of the methods, steps, and functions disclosed herein. For example (and without limitation), such methods, steps, and functions may be implemented by the processing capabilities of the processing device 102. The storage unit 104 may be, for example, a memory, a distributed memory or a local memory, and the processor 102 may be a distributed processor or a single processor. The memory may be implemented as electrical memory, magnetic memory or optical memory or any combination of these or other types of storage devices. In addition, the term "memory" It should be interpreted broadly to cover any information that can be read or written from an address in an addressable space by an associated processor. Under this definition, information on a network is still in memory because the associated processor can retrieve the information from the network.

Therefore, the processing device 102 and the storage unit 104 according to the embodiment of the present invention can make full use of computer technology under appropriate instructions to implement the method steps described herein. For example, some aspects may be implemented using one or more servers including a memory and at least one processor coupled to the memory. This memory can be loaded with appropriate software, such as encoding algorithms or encryption and decryption algorithms. The processor may be operable to perform one or more of the method steps described herein or otherwise promote its effectiveness.

Continuing, the payment terminal 106 is connected to the server 100 and is configured to receive the stored value of the user and the user data, and transmit the stored value and the user data to the server 100. For example, the electronic payment information management system 1 is set up in a commercial place such as an amusement park. When entering a park, a user needs to pay a fee at a ticket gate provided with a payment terminal 106 first. For example, the user can purchase a certain number of rated points, and after paying the fee to the help desk staff, the help desk staff can collect it. After receiving the payment, the invoice is printed to the user.

The electronic payment carrier device 108 includes a near field communication module 110 and a data carrier 112. The electronic payment carrier device 108 may be, for example, a card using a radio frequency identification tag, the data carrier 112 may be a tag of a radio frequency identification system, and the payment terminal 106 may be configured with a two-way radio wave transceiver provided with an interrogator or a reader to send a signal to the tag. And interpret its response. The RFID tag stores the information on the storage area, and a micro radio wave transceiver is also arranged in the middle of the tag. Radio frequency identification tags include passive tags (passive tags), active tags (active tags), and battery-assisted passive tags.

In the embodiment of the present invention, the label must be read-write, so that the system user can write specific data into the label. Radio frequency identification tags have at least two parts: one is integrated circuit to store And processing information, modulating and demodulating a radio frequency signal, collecting DC power from the signal transmitted from the reader; the second is to receive the signal conduction signal for the antenna. The tag information is stored in non-volatile memory. RFID tags include a logic integrated chip or a programmed or programmable data processor to handle transmission and sensor data, respectively.

When the electronic payment vehicle device 108 performs a stored value operation at the payment terminal 106, the server 100 is configured to generate a plurality of verification codes 118 and verification codes 120 according to the user data 116 and the stored value amount 122, and return them to the payment The terminal 106 and the payment terminal 106 are configured to write a plurality of check codes 118 and stored value amounts 122 into the data carrier 112 through the near field communication module 110. In detail, when a user buys a ticket, the administrator will ask the user's mobile phone number, ID card and the amount to be stored. Based on the mobile phone number, ID card and stored value, the system will generate a verification code.

The check code generation method is calculated by the system using the SHA1 algorithm. The function of the check code is to prevent the NFC electronic coin data from being altered illegally. If the data is tampered with, the check code will be changed, so it will not pass the verification. This is the first security check of this system.

To ensure security, the system of the present invention adds a check code to the data entered by the user to identify whether the content has been tampered with. Next, the generation manner of the check code of the present invention will be described by way of example. The method of generating the check code is, for example, but not limited to, the mobile phone, ID card, stored value date, and stored value 122 in the user data 116 are generated by a specific check code algorithm. The calculation will be described below. Method of production.

The first is a mobile phone. Assuming that the mobile phone number is 0923456789, the following will be sorted by Table 1. Multiply the numbers in the control group from 9 to 0 with the numbers of the mobile phone number, and then add each number to illustrate. 14 + 18 + 20 + 20 + 18 + 14 + 8 + 0 = 184.

Next is the verification code corresponding to the ID card number. Assuming the ID card number is R123456789, the following will be listed in Table 2. The control group from 9 to 0 is multiplied with the numbers of the ID card number, and then each number is compared. Plus, because the first code is in English, the next space is explained by example: 9 + 16 + 21 + 24 + 25 + 24 + 21 + 16 + 9 = 165.

Next, the check code corresponding to the stored value date is assumed. Assuming the date number is 20150730, the following will be shown in Table 3 below. The control group from 9 to 0 is multiplied with the numbers of the date, and then each number is added to Example description: 16 + 0 + 6 + 25 + 0 + 21 + 6 + 0 = 76.

The last is the check code corresponding to the stored value. Assuming the amount of the amount is 1000, the following will be described in Table 4 below. The control group from 9 to 0 is multiplied by the numbers, and then each number is added. Explained by example: 4 + 0 + 0 + 0 = 4.

When the above algorithm is completed, add the numbers, 184 (mobile phone) + 165 (identity card) + 76 (date) + 4 (amount) = 429. After obtaining the number, take the single digit 9 and treat it as Check code, whenever someone intends to tamper with the content of the data carrier 112, as described above, the check code will change.

The following will describe the generation method of the verification code 120, which is the second mechanism of multiple security mechanisms. In order to avoid theft of NFC electronic coins, the system adds a verification code that only the person knows, and the verification code is generated after the mobile phone. Add the three digits followed by the three digits of the ID card. Take the mobile phone (0923456789) and ID card (R123456789) as an example, and the verification code is 789789. The consumer terminal must be notified to the consumer 114A, 114B, ..., 114N before consumption The correct verification code of the administrator can make the correct deduction.

For example, the verification code is 789789. When the server 100 returns the verification code, the verification code will be encrypted by SHA1 in the payment terminal 106 to form an irreversible code. When it is to be consumed, it will be consumed at the consumption terminals 114A and 114B. , ..., 114N re-enter the verification code and compare it with the verification code 120 in the server 100.

Furthermore, when each piece of the above data is written into the storage unit 104 of the server 100, if the server 100 fails to be added, a message will be prompted to the administrator of the payment terminal 106, and if successful, the user data will be returned to Payment terminal 106. The payment terminal 106 obtains, through the server 100, the identity card, mobile phone, stored value date (that is, the date of the day) added by the user, and the stored value into the NFC electronic money. because Therefore, the above process can be referred to FIG. 2, which is a flowchart of the stored value operation of the information management system for electronic payment according to the present invention.

Among them, a plurality of consumer terminals 114A, 114B, ..., 114N are connected to the server 100. When the electronic payment carrier device 108 performs a debit operation on one of the plurality of consumer terminals 114A, 114B, ..., 114N, the consumer terminals 114A, 114B, ..., 114N receive the verification code provided by the user, The administrators at the consumer terminals 114A, 114B, ..., 114N will enter the verification code and read the verification code 118 of the electronic payment vehicle 108 through the near field communication module 110, and transmit the deduction amount To the server 100, the server 100 is configured to determine whether the input verification code matches the stored verification code 120, and whether the plurality of verification codes 118 and the plurality of stored verification codes 118 match, and if so, according to The debit amount is deducted from the stored value amount 122 in the server 100 to generate the remaining amount. The consumer terminals 114A, 114B, ..., 114N are configured to receive the remaining amount and write the data carrier through the near field communication module 110. 112.

The stored value flow of the electronic payment information management method of the present invention is also described below with reference to FIG. 2. Specifically, the following steps are performed: using the electronic payment vehicle device 108 to perform the stored value operation at the payment terminal 106; receiving the user's stored value 122 and user data 116 with the payment terminal 106, and storing the stored value 122 and using The user data 116 is transmitted to the server 100; the server 100 is configured to generate a plurality of check codes 118 and verification codes 120 according to the user data 116 and the stored value 122, and returns them to the payment terminal 106; the payment terminal 106 is configured to plural Each check code 118 and stored value 122 are written into the data carrier 112 through the near field communication module 110.

On the other hand, when a user makes a purchase at a game field provided with a consumer terminal 114A, he must perform a card reading and debiting operation. Next, the present invention will explain many design details from reading NFC electronic money to payment.

When making a payment, the user must first give his electronic payment vehicle 108 to the administrator of the consumer terminal 114A. The administrator uses the consumer terminal 114A, such as a mobile phone's NFC reader, to read data from the electronic payment carrier 108. After receiving the electronic payment vehicle 108, the administrator first checks whether the verification code 118 in the electronic payment vehicle 108 is consistent with the verification code 118 of the server 100 to ensure that the information of the electronic payment vehicle 108 and Not tampered with.

Optionally, in terms of the consumption pattern of the playground, it is usually necessary to store and consume on the same day. Therefore, after the verification code 118 is compared, the server 100 is further configured to compare whether the stored value date of the electronic coin information in the data carrier 112 is the current day. If it is not the current day, the card is displayed as invalid, and the current day is checked. The balance, if the balance is insufficient, the card will be returned, and if it is sufficient, the debit operation process will be entered.

The following is a detailed description of the debit process. The administrator of the consumer terminal 114A will first ask the user for the verification code of the electronic payment vehicle 108. According to the above description, the verification code is the last three digits of the user's mobile phone plus the last three digits of the ID card. After obtaining the verification code, the administrator enters the verification code in the consumer terminal 114A and returns it to the server 100 to check whether the verification code is correct. If the verification code is correct, the user enters the debit process.

After the consumer terminal 114A reads the stored value of the electronic payment vehicle 108, it will return the deducted amount to the server 100 for deduction. After the deduction is completed, the server 100 will notify the consumer terminal 114A to display the deduction. Success or not. When the debit is completed, the server 100 displays the remaining amount of the debit on the consumer terminal 114A, and rewrites the new information into the data carrier 112 of the electronic payment carrier 108, and finally transfers it to the user. The above process can be referred to FIG. 3, which is a flowchart of a debit operation performed by the electronic payment information management system according to the present invention.

The following also describes the charge process of the information management method for electronic payment according to the present invention with reference to FIG. 3. Specifically, the following steps are performed: using the electronic payment carrier device 108 to perform a debit operation at one of the plurality of consumer terminals 114A, 114B, ..., 114N; Enter the verification code, and configure the consumer terminal 114A to read the plurality of verification codes 118 of the electronic payment vehicle 108 through the near field communication module 110, and send the debit amount to the server 100; configure the server 100 to determine the input verification Whether the verification code and verification code 120 match, and whether the plurality of verification codes 118 and the plurality of stored verification codes 118 match; if so, the server 100 is configured to perform a stored value 122 on the server according to the deduction amount The remaining amount is generated by the deduction; and the consumer terminal 114A is configured to receive the remaining amount and write it to the data carrier 112 through the near field communication module 110.

Preferably, when the electronic payment carrier device 108 performs a refund operation at the payment terminal 106, the payment terminal 106 may receive the input verification code input by the user, and read the plural number of the electronic payment vehicle 108 through the near field communication module 110. The verification code 118 and the remaining amount are transmitted to the server 100. The server 100 is configured to determine whether the input verification code and the verification code 120 match, and to determine the plurality of verification codes 118 and the stored plurality of verification codes 118. Whether it conforms, and if so, a refund amount is generated according to the remaining amount, and the consumer terminal is configured to receive the refund amount.

For example, the refund operation flow is that when the user wants to leave the playground, the virtual currency in the electronic payment vehicle 108 can be converted into a real amount. Each of the execution steps of the refund operation process of the electronic payment vehicle 108 will be described in detail below.

The administrator of the payment terminal 106 will first ask the user for the verification code. According to the above description, the composition format of the verification code is the last three digits of the user's mobile phone plus the last three digits of the ID card. After inputting the verification code on the payment terminal 106, for example, a mobile phone, the administrator returns the verification code to the server 100 to check whether the verification code is correct. If the verification code is correct, the administrator enters the date verification process. If correct, the process will stop and related error messages will be displayed. After the verification code is verified as described above, the date is compared. The comparison is mainly to verify whether the information date in the electronic payment vehicle 108 is the current day. If the date is the current day, enter the step of checking the balance. If not, a related error message is displayed.

The administrator of the payment terminal 106 will first compare the data carrier 112 of the electronic payment carrier 108 with the server 100 and query the correct balance, and display the virtual currency remaining on the user's NFC electronic money on the screen to User view. After receiving the balance returned from the server 100, the payment terminal 106 displays the balance to the consumer and returns the real cash equivalent to the virtual currency to the consumer. After the above process is processed, the administrator will retrieve the user's electronic payment vehicle 108 for subsequent reuse. After the electronic payment vehicle 108 is recovered, the manager may optionally clear the data in the electronic payment vehicle 108. However, the data of the server 100 may be retained here for data analysis. The above process can be referred to FIG. 4, which is a flowchart of a refund operation performed by the electronic payment information management system according to the present invention.

The refund process of the information management method for electronic payment according to the present invention will be described below with reference to FIG. 4 as well. Specifically, the following steps are performed: using the electronic payment carrier device 108 to perform a refund operation at the payment terminal 106; configuring the payment terminal 106 to receive the input verification code input by the user, and reading the electronic payment vehicle through the near field communication module 110 The plurality of verification codes 118 and the remaining amount are transmitted to the server 100; the server 100 is configured to determine whether the input verification code and the verification code 120 are consistent, and the plurality of verification codes 118 and the plurality of stored verifications Whether the code 118 matches; if so, the configuration server 100 generates a refund amount according to the remaining amount, and the payment terminal 106 is configured to receive the refund amount.

In addition, the information management system 1 for electronic payment of the present invention also provides a feature of a lost operation, so as to reduce the risk when the electronic payment carrier device 108 is lost. Specifically, the payment terminal 106 may be configured to perform a lost operation. The payment terminal 106 receives the input verification code input by the user and transmits it to the server 100. The server 100 is configured to determine whether the input verification code and the verification code 120 match, If yes, the plurality of check codes 118, verification codes 120, and the remaining amount are transmitted to the payment terminal 106, and the payment terminal 106 It is configured to write the plurality of check codes 118 and the remaining amount into a data carrier of another electronic payment carrier device.

In detail, the lost operation process is to provide the user with an electronic payment vehicle device replacement application when the user accidentally loses the electronic payment vehicle device 108. In the following, each execution step of the lost operation flow of the electronic payment carrier device 108 will be described in detail.

The administrator of the payment terminal 106 will first ask the user for the verification code of the electronic payment carrier device 108. According to the above description, the verification code is the last three digits of the user's mobile phone plus the last three digits of the ID card. The administrator then enters the verification code on the payment terminal 106 and sends it to the server 100. The server 100 will compare the verification code sent by the mobile phone with the verification code 120 of the server 100. If the error indicates that there is no such information, if it is correct, go to the next step.

Next, it is determined whether the date of the electronic payment carrier device 108 before the user is lost is today, if it is not today, it cannot be reissued, and the process is ended. After the above steps are correct, the representative is eligible for reissuance and can reissue a new electronic payment vehicle device. When reissuing a new electronic payment vehicle device, the data of the electronic payment vehicle device 108 before the user is lost is rewritten, and the new electronic payment vehicle device is handed over to the user. The above process can be referred to FIG. 5, which is a flowchart of a lost operation performed by the electronic payment information management system according to the present invention.

The following also describes the lost operation flow of the electronic payment information management method of the present invention with reference to FIG. 5. Specifically, the following steps are performed: the electronic payment vehicle device 108 is used to perform a refund operation at the payment terminal 106; the payment terminal 106 is configured to perform the lost operation; the payment terminal 106 is configured to receive the input verification code input by the user and send it to the server 100; configure the server 100 to determine whether the input verification code matches the verification code 120; if so, configure the server 100 to verify the verification code 118 and verification code 120 And the remaining amount is transmitted to the payment terminal 106; and the payment terminal 106 is configured to write a plurality of verification codes 118 and the remaining amount into a data carrier of another electronic payment carrier device.

In summary, the information management system and method for electronic payment provided by the present invention can reduce the risk to the virtual electronic money when the electronic device is lost, and at the same time, it can ensure a high degree of security through multiple check security mechanisms.

Claims (10)

An electronic payment information management system includes: a server including a processing device and a storage unit; a payment terminal connected to the server and configured to receive a stored value of a user Amount and a user data, and transmit the stored value and the user data to the server; an electronic payment carrier device, which includes a near field communication module and a data carrier; and a plurality of consumer terminals, Is connected to the server, wherein when the electronic payment vehicle device performs a stored value operation on the payment terminal, the server is configured to generate a plurality of check codes and a check code based on the user data and the stored value The verification code is sent back to the payment terminal. The payment terminal is configured to write the plurality of verification codes and the stored value into the data carrier through the near field communication module, and when the electronic payment vehicle When the device performs a debit operation on one of the plurality of consumer terminals, the consumer terminal receives an input verification code and reads the electronic payment vehicle through the near field communication module. A plurality of check codes, and a debit amount is transmitted to the server, the server is configured to determine whether the input verification code and the verification code match, and determine the plurality of check codes and the stored plurality The check code is consistent. If it is, the remaining value is deducted from the stored value in the server according to the deduction amount. The consumer terminal is configured to receive the remaining amount and pass the near field communication. The module writes into the data carrier. According to the electronic payment information management system described in item 1 of the scope of patent application, wherein the user data includes an ID number, a mobile phone number, and a stored value date, the server is configured to perform a check code algorithm , According to the ID number, the mobile phone number, the stored value date and the stored value amount, the corresponding plurality of verification codes and the verification code are generated. According to the electronic payment information management system described in item 2 of the scope of patent application, when the electronic payment carrier device performs a debit operation on one of the plurality of consumer terminals, the consumer terminal further transmits a deduction date To the server, the server is configured to determine whether the debit date matches the stored value date, and if so, deduct the stored value in the server based on the deduction amount to generate the remaining amount . The information management system for electronic payment according to item 1 of the scope of patent application, wherein when the electronic payment vehicle device performs a refund operation on the payment terminal, the payment terminal receives the input verification code input by the user, and Read the plurality of verification codes and the remaining amount of the electronic payment vehicle through the near field communication module to transmit to the server, and the server is configured to determine whether the input verification code and the verification code are consistent, And it is judged whether the plurality of verification codes are consistent with the plurality of stored verification codes, and if so, a refund amount is generated according to the remaining amount, and the payment terminal is configured to receive the refund amount. According to the electronic payment information management system described in item 1 of the scope of patent application, wherein the payment terminal is configured to perform a lost operation, the payment terminal receives the input verification code input by the user and transmits it to the server, the server The device is configured to determine whether the input verification code matches the verification code. If so, the plurality of verification codes, the verification code, and the remaining amount are transmitted to the payment terminal. The payment terminal is configured to configure the plurality of The verification code and the remaining amount are written into a data carrier of another electronic payment carrier device. An electronic payment (Electronic Payment) information management method includes the following steps: using an electronic payment vehicle device to perform a stored value operation at a payment terminal, the electronic payment vehicle device includes a near field communication module and a data Carrier, and the payment terminal is connected to a server, the server includes a processing device and a storage unit; the payment terminal receives a stored value of a user and a user data, and stores the stored value And the user data is transmitted to the server; the server is configured to generate a plurality of check codes and a verification code based on the user data and the stored value, and return them to the payment terminal; and the payment terminal is configured to The plurality of verification codes and the stored value are written into the data carrier through the near field communication module; the electronic payment carrier device is used for debiting at one of a plurality of consumer terminals; and the consumer terminal is used to receive Enter a verification code and configure the consumer terminal to read the plurality of verification codes of the electronic payment vehicle through the near field communication module, and send a deduction amount to the server Configure the server to determine whether the input verification code matches the verification code, and determine whether the plurality of verification codes match the stored plurality of verification codes; if so, configure the server based on the deduction The stored amount in the server is deducted to generate a remaining amount; and the consumer terminal is configured to receive the remaining amount and write the data carrier through the near field communication module. The information management method for electronic payment according to item 6 of the scope of patent application, wherein the user data includes an ID number, a mobile phone number, and a stored value date, and the method further includes configuring the server to perform a check The verification code algorithm generates the corresponding plurality of verification codes and the verification code according to the ID number, the mobile phone number, the stored value date, and the stored value amount. The information management method for electronic payment according to item 6 of the scope of patent application, wherein the deduction operation further includes the following steps: configuring the consumer terminal to transmit a deduction date to the server; configuring the server to Determine whether the deduction date matches the stored value date; if so, configure the server to deduct the stored value in the server based on the deduction amount to generate the remaining amount. The information management method for electronic payment according to item 6 of the scope of patent application, further includes the following steps: using the electronic payment vehicle device to perform a refund operation on the payment terminal; and configuring the payment terminal to receive input from the user A verification code, and read the plurality of verification codes and the deduction amount of the electronic payment vehicle through the near field communication module to transmit to the server; configure the server to judge the input verification code and the verification Whether the code matches, and whether the plurality of verification codes match the stored verification codes; if so, the server is configured to generate a refund amount based on the deduction amount, and the payment terminal is configured to receive The refund amount. The information management method for electronic payment according to item 6 of the scope of patent application, further includes the following steps: configuring the payment terminal to perform a lost operation; configuring the payment terminal to receive the input verification code input by the user and send it to the server Configure the server to determine whether the input verification code matches the verification code; if so, configure the server to transmit the plurality of verification codes, the verification code, and the remaining amount to the payment terminal; and configure the server The payment terminal writes the plurality of verification codes and the remaining amount into a data carrier of another electronic payment carrier device.