TWI579785B - Digital wallet management system - Google Patents
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- 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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Description
本發明係關於一種管理系統，且特別關於一種數位皮夾管理系統。The present invention relates to a management system, and more particularly to a digital wallet management system.
***是商業銀行向個人和單位發行的，憑以向特約單位購物、消費和向銀行存取現金，具有消費信用的特製載體卡片，其形式是一張正面印有發卡銀行名稱、有效期、號碼、持卡人姓名等內容，背面有磁條、簽名條的卡片。發卡銀行給予持卡人一定的信用額度，持卡人可在信用額度內先消費、後還款的***。透過***進行刷卡消費既方便又可以不需要攜帶大量現金，方便了用戶。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.
然而，使用實體***在服務上仍有許多不便之處，尤其這些服務還涉及到現代人的個人資料處理或異動。例如，當一***持卡人遺失其多張***而需掛失或暫時停用時，該持卡人必須逐一地與發卡銀行進行聯繫才能完成***掛失或暫停作業，如此將耗費持卡人許多時間及精力在與發卡銀行的客戶服務專員的電話溝通上，在時效上可能其***立即被他人盜刷而使持卡人有承擔此債務的風險。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.
因此，本發明係在針對上述的困擾，提出一種數位皮夾管理系統，以解決習知所產生的問題。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.
本發明的主要目的，在於提供一種數位皮夾管理系統，其係利用行動通訊裝置透過應用伺服器與金融單位交換並比對資料來完成停用或恢復數位皮夾中的虛擬卡服務，即使需處理的虛擬卡有複數個，也無須在短時間內親自跑至金融單位進行紙本之資料處理流程，以大幅減少處理時間與持卡人之虛擬卡被盜用之風險。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.
為達上述目的，本發明提供一種數位皮夾管理系統，其係包含一應用伺服器與至少一金融單位。應用伺服器訊號連接安裝有數位皮夾之一行動通訊裝置，例如為筆記型電腦、智慧型手機或平板電腦。應用伺服器設有對應數位皮夾之一管理碼與第一個人資料，其中第一個人資料包含一使用者之姓名、電子郵件地址、國籍、電話號碼、性別、教育程度、職業類別、婚姻狀況、平均年收入與即時通訊帳號。行動通訊裝置利用數位皮夾傳送一第一辨識碼與數位皮夾之識別資料給應用伺服器。在應用伺服器判斷第一辨識碼與管理碼彼此對應時，應用伺服器輸出第一個人資料與識別資料。金融單位訊號連接應用伺服器，並設有第二個人資料與及其對應之數位皮夾服務，其中第二個人資料包含使用者之姓名、電子郵件地址、國籍、電話號碼、性別、教育程度、職業類別、婚姻狀況、平均年收入與即時通訊帳號。金融單位接收第一個人資料與識別資料，在金融單位判斷第一個人資料與第二個人資料彼此對應時，金融單位依據識別資料永久停止或暫時停止其對應之數位皮夾服務。舉例來說，若行動通訊裝置為智慧型手機，且第二個人資料更包含此智慧型手機之電話號碼。在金融單位判斷第一個人資料與第二個人資料彼此對應時，金融單位利用電話號碼發送一第一驗證碼給智慧型手機，智慧型手機利用數位皮夾與應用伺服器傳送第一驗證碼給金融單位，以永久停止或暫時停止對應之數位皮夾服務。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.
具體而言，數位皮夾更包含複數虛擬卡，每一金融單位對應至少一虛擬卡，識別資料為虛擬卡卡號，數位皮夾服務為虛擬卡服務，金融單位為虛擬卡之發卡銀行。行動通訊裝置利用欲停用之虛擬卡傳送其對應之虛擬卡卡號與第一辨識碼給應用伺服器。在應用伺服器判斷第一辨識碼與管理碼彼此對應時，應用伺服器傳送第一個人資料與第一辨識碼2jo對應之虛擬卡卡號給其對應之金融單位。接著，在金融單位判斷第一個人資料與第二個人資料彼此對應時，金融單位利用電話號碼發送第一驗證碼給智慧型手機，智慧型手機利用欲停用之虛擬卡與應用伺服器傳送第一驗證碼給金融單位，金融單位依據第一辨識碼2jo對應之虛擬卡卡號永久停止或暫時停止對應之虛擬卡服務。此外，在金融單位永久停止虛擬卡服務時，金融單位傳送其對應之停用訊息給應用伺服器，應用伺服器依據停用訊息控制行動通訊裝置刪除停用訊息對應之虛擬卡之圖示。在金融單位暫時停止虛擬卡服務時，金融單位傳送其對應之暫停訊息給應用伺服器，應用伺服器依據暫停訊息控制行動通訊裝置以灰階顯示暫停訊息對應之虛擬卡之圖示。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.
在金融單位暫時停止虛擬卡服務時，行動通訊裝置利用上述之欲停用之虛擬卡傳送其對應之虛擬卡卡號與一第二辨識碼給應用伺服器。在應用伺服器判斷第二辨識碼與管理碼彼此對應時，應用伺服器傳送第一個人資料與第二辨識碼對應之虛擬卡卡號給其對應之金融單位。接著，在金融單位判斷第一個人資料與第二個人資料彼此對應時，金融單位利用電話號碼發送一第二驗證碼給智慧型手機，智慧型手機利用上述之該停用用卡碼給該應用伺服器時欲停用之虛擬卡與應用伺服器傳送第二驗證碼給金融單位，金融單位依據第二辨識碼對應之虛擬卡卡號恢復對應之虛擬卡服務。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.
茲為使 貴審查委員對本發明的結構特徵及所達成的功效更有進一步的瞭解與認識，謹佐以較佳的實施例圖及配合詳細的說明，說明如後：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.
本發明之實施例將藉由下文配合相關圖式進一步加以解說。盡可能的，於圖式與說明書中，相同標號係代表相同或相似構件。於圖式中，基於簡化與方便標示，形狀與厚度可能經過誇大表示。可以理解的是，未特別顯示於圖式中或描述於說明書中之元件，為所屬技術領域中具有通常技術者所知之形態。本領域之通常技術者可依據本發明之內容而進行多種之改變與修改。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.
以下請參閱第1圖。本發明之數位皮夾管理系統包含一應用伺服器10與至少一金融單位12，金融單位12之數量在此以三之複數個為例，即金融單位121、122、123，且金融單位12係以其中之主機進行運作。應用伺服器10訊號連接安裝有數位皮夾之一行動通訊裝置14，例如為筆記型電腦、智慧型手機或平板電腦，數位皮夾是一種應用程式(App)。應用伺服器10設有對應數位皮夾之一管理碼與第一個人資料P，其中第一個人資料包含一使用者之姓名、電子郵件地址、國籍、電話號碼、性別、教育程度、職業類別、婚姻狀況、平均年收入與即時通訊帳號。行動通訊裝置14利用數位皮夾傳送一第一辨識碼D1與數位皮夾之識別資料DF給應用伺服器10。在應用伺服器10判斷第一辨識碼D1與管理碼彼此對應時，例如第一辨識碼D1與管理碼彼此相同時，應用伺服器10輸出第一個人資料P與識別資料DF。金融單位12訊號連接應用伺服器10，並設有第二個人資料與及其對應之數位皮夾服務，其中第二個人資料包含使用者之姓名、電子郵件地址、國籍、電話號碼、性別、教育程度、職業類別、婚姻狀況、平均年收入與即時通訊帳號。金融單位12接收第一個人資料P與識別資料DF，在金融單位12判斷第一個人資料P與第二個人資料彼此對應時，例如第一個人資料P與第二個人資料彼此相同時，金融單位12依據識別資料DF永久停止或暫時停止其對應之數位皮夾服務。舉例來說，若行動通訊裝置14為智慧型手機，且第二個人資料更包含此智慧型手機之電話號碼。在金融單位12判斷第一個人資料P與第二個人資料彼此對應時，金融單位12利用電話號碼發送一第一驗證碼給智慧型手機，智慧型手機利用數位皮夾與應用伺服器10傳送第一驗證碼給金融單位12，以永久停止或暫時停止對應之數位皮夾服務。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.
具體而言，數位皮夾更包含複數虛擬卡，每一金融單位12對應至少一虛擬卡，識別資料DF為虛擬卡卡號，數位皮夾服務為虛擬卡服務，金融單位12為虛擬卡之發卡銀行。舉例來說，虛擬卡為虛擬***，虛擬卡卡號為***卡號，虛擬卡服務為***服務，金融單位12為虛擬***之發卡銀行。虛擬卡係可代表***、金融卡、簽帳卡、儲值卡或電子票證智慧卡。行動通訊裝置14利用欲停用之虛擬卡傳送其對應之虛擬卡卡號與第一辨識碼D1給應用伺服器10。在應用伺服器10判斷第一辨識碼D1與管理碼彼此對應時，應用伺服器10傳送第一個人資料P與第一辨識碼2joD1對應之虛擬卡卡號給其對應之金融單位12，例如為金融單位122。接著，在金融單位122判斷第一個人資料P與第二個人資料彼此對應時，金融單位122利用電話號碼發送第一驗證碼給智慧型手機，智慧型手機利用欲停用之虛擬卡與應用伺服器10傳送第一驗證碼給金融單位122，金融單位122依據第一辨識碼2jo對應之虛擬卡卡號永久停止或暫時停止對應之虛擬卡服務。此外，在金融單位122永久停止虛擬卡服務時，金融單位122傳送其對應之停用訊息給應用伺服器10，應用伺服器10依據停用訊息控制行動通訊裝置14刪除停用訊息對應之虛擬卡之圖示。在金融單位122暫時停止虛擬卡服務時，金融單位122傳送其對應之暫停訊息給應用伺服器10，應用伺服器10依據暫停訊息控制行動通訊裝置14以灰階顯示暫停訊息對應之虛擬卡之圖示。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.
另外，在金融單位122暫時停止虛擬卡服務時，行動通訊裝置14利用上述之欲停用之虛擬卡傳送其對應之虛擬卡卡號與一第二辨識碼D2給應用伺服器10。在應用伺服器10判斷第二辨識碼D2與管理碼彼此對應時，應用伺服器10傳送第一個人資料P與第二辨識碼D2對應之虛擬卡卡號給其對應之金融單位122。接著，在金融單位122判斷第一個人資料P與第二個人資料彼此對應時，金融單位122利用電話號碼發送一第二驗證碼給智慧型手機，智慧型手機利用上述之該停用用卡碼給該應用伺服器時欲停用之虛擬卡與應用伺服器10傳送第二驗證碼給金融單位122，金融單位122依據第二辨識碼對應之虛擬卡卡號恢復對應之虛擬卡服務。由於本發明之虛擬卡與實體***之使用權限相同，例如虛擬卡若暫停使用時，則實體***亦為暫停使用之狀態，所以當持卡人之實體***遺失時，便可利用本發明之方式暫時停止或永久停止虛擬卡服務，若找到實體***後，亦可利用本發明來恢復虛擬卡服務。在本發明中，針對虛擬卡之停用或恢復之手續流程皆可利用行動通訊裝置14透過應用伺服器10與金融單位12交換並比對資料來完成，即使需處理的虛擬卡有複數個，也無須在短時間內親自跑至金融單位12進行紙本資料處理流程，以大幅減少處理時間，亦減少持卡人之虛擬卡被盜用之風險。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.
以下介紹本發明暫時停止虛擬卡服務之運作流程，請參閱第1圖與第2圖，其中行動通訊裝置14係以智慧型手機為例。首先，如步驟S10所示，行動通訊裝置14利用欲停用之虛擬卡傳送其對應之虛擬卡卡號與第一辨識碼D1給應用伺服器10。接著，如步驟S12所示，應用伺服器10判斷第一辨識碼D1與管理碼是否彼此對應，若是，進行步驟S14，若否，進行步驟S16，即結束整個流程。在步驟S14中，應用伺服器10傳送第一個人資料P與第一辨識碼2joD1對應之虛擬卡卡號給其對應之金融單位122。在步驟S14後，進行步驟S18。在步驟S18中，金融單位122判斷第一個人資料P與第二個人資料是否彼此對應，若是，進行步驟S20，若否，進行步驟S22，即結束整個流程。在步驟S20中，金融單位122利用電話號碼發送第一驗證碼給行動通訊裝置14，行動通訊裝置14利用上述欲停用之虛擬卡與應用伺服器10傳送第一驗證碼給金融單位122，金融單位122依據第一辨識碼2jo對應之虛擬卡卡號暫時停止對應之虛擬卡服務，並產生其對應之暫停訊息。最後，如步驟S22所示，金融單位122傳送暫停訊息給應用伺服器10，應用伺服器10依據暫停訊息控制行動通訊裝置14以灰階顯示暫停訊息對應之虛擬卡之圖示。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.
為了恢復暫時停止之虛擬卡服務，以下請參閱第1圖與第3圖。首先，如步驟S24所示，行動通訊裝置14利用上述欲停用之虛擬卡傳送其對應之虛擬卡卡號與第二辨識碼D2給應用伺服器10。接著，如步驟S26所示，應用伺服器10判斷第二辨識碼D2與管理碼是否彼此對應，若是，進行步驟S28，若否，進行步驟S30，即結束整個流程。在步驟S28中，應用伺服器10傳送第一個人資料P與第二辨識碼2joD2對應之虛擬卡卡號給其對應之金融單位122。在步驟S28後，進行步驟S32。在步驟S32中，金融單位122判斷第一個人資料P與第二個人資料是否彼此對應，若是，進行步驟S34，若否，進行步驟S36，即結束整個流程。在步驟S34中，金融單位122利用電話號碼發送第二驗證碼給行動通訊裝置14，行動通訊裝置14利用上述欲停用之虛擬卡與應用伺服器10傳送第二驗證碼給金融單位122，金融單位122依據第二辨識碼2jo對應之虛擬卡卡號暫時停止對應之虛擬卡服務，並產生其對應之恢復訊息。最後，如步驟S36所示，金融單位122傳送恢復訊息給應用伺服器10，應用伺服器10依據恢復訊息控制行動通訊裝置14以彩色顯示恢復訊息對應之虛擬卡之圖示。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.
以下介紹本發明永久停止虛擬卡服務之運作流程，請參閱第1圖與第4圖，其中行動通訊裝置14係以智慧型手機為例。首先，如步驟S38所示，行動通訊裝置14利用欲停用之虛擬卡傳送其對應之虛擬卡卡號與第一辨識碼D1給應用伺服器10。接著，如步驟S40所示，應用伺服器10判斷第一辨識碼D1與管理碼是否彼此對應，若是，進行步驟S42，若否，進行步驟S44，即結束整個流程。在步驟S42中，應用伺服器10傳送第一個人資料P與第一辨識碼2joD1對應之虛擬卡卡號給其對應之金融單位122。在步驟S42後，進行步驟S46。在步驟S46中，金融單位122判斷第一個人資料P與第二個人資料是否彼此對應，若是，進行步驟S48，若否，進行步驟S50，即結束整個流程。在步驟S48中，金融單位122利用電話號碼發送第一驗證碼給行動通訊裝置14，行動通訊裝置14利用上述欲停用之虛擬卡與應用伺服器10傳送第一驗證碼給金融單位122，金融單位122依據第一辨識碼2jo對應之虛擬卡卡號永久停止對應之虛擬卡服務，並產生其對應之停用訊息。最後，如步驟S52所示，金融單位122傳送停用訊息給應用伺服器10，應用伺服器10依據停用訊息控制行動通訊裝置14刪除停用訊息對應之虛擬卡之圖示。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.
綜上所述，本發明利用行動通訊裝置透過應用伺服器與金融單位處理資料來停用或恢復數位皮夾中的虛擬卡服務，即使需處理的虛擬卡有複數個，也無須在短時間內親自跑至金融單位進行紙本資料處理流程，以大幅減少處理時間與持卡人之虛擬卡被盜用之風險。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.
以上所述者，僅為本發明一較佳實施例而已，並非用來限定本發明實施之範圍，故舉凡依本發明申請專利範圍所述之形狀、構造、特徵及精神所為之均等變化與修飾，均應包括於本發明之申請專利範圍內。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‧‧‧應用伺服器
12‧‧‧金融單位
121‧‧‧金融單位
122‧‧‧金融單位
123‧‧‧金融單位
14‧‧‧行動通訊裝置10‧‧‧Application Server
12‧‧‧Financial units
121‧‧‧Financial units
122‧‧‧Financial units
123‧‧‧Financial units
14‧‧‧Mobile communication device
第1圖為本發明之數位皮夾管理系統之系統方塊圖。 第2圖為本發明之數位皮夾管理系統暫時停止虛擬卡服務之運作流程圖。 第3圖為本發明之數位皮夾管理系統恢復虛擬卡服務之運作流程圖。 第4圖為本發明之數位皮夾管理系統永久停止虛擬卡服務之運作流程圖。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‧‧‧應用伺服器 10‧‧‧Application Server
12‧‧‧金融單位 12‧‧‧Financial units
121‧‧‧金融單位 121‧‧‧Financial units
122‧‧‧金融單位 122‧‧‧Financial units
123‧‧‧金融單位 123‧‧‧Financial units
14‧‧‧行動通訊裝置 14‧‧‧Mobile communication device
Claims (10)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| 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 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| TWI579785B true TWI579785B (en) | 2017-04-21 |
| TW201804386A TW201804386A (en) | 2018-02-01 |
Family
ID=59241032
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW105124248A TWI579785B (en) | 2016-07-29 | 2016-07-29 | Digital wallet management system |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWI579785B (en) |
Citations (4)
| 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 | ***通信集团公司 | Method, device, system and relevant equipment for logging out electronic wallet |
-
2016
- 2016-07-29 TW TW105124248A patent/TWI579785B/en active
Patent Citations (4)
| 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 | ***通信集团公司 | Method, device, system and relevant equipment for logging out electronic wallet |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201804386A (en) | 2018-02-01 |
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