TWI599971B - Digital wallet in the virtual card management - Google Patents

Description

Management method of virtual card in digital wallet

The invention relates to a financial transaction technology, in particular to a method for managing a virtual card in a digital wallet.

Computer and network technologies are developing rapidly, and the penetration rate is increasing. Virtualization of entities can reduce waste of resources and increase convenience. For example, electronic bills, email advertisements, online stores, etc., can reduce paper consumption and save The cost of renting a shop, people can also go shopping at home, or pay online, which is quite convenient.

With the evolution of the encryption algorithm, under the premise of sufficient security of online transactions, the online transaction is further expanded to financial transactions. At present, there is an electronic wallet, which is integrated in the financial card, and the user does not need to carry cash out. As long as there is money in the bank account, the financial card can be debited from the bank account, and the user's energy will not cause excessive consumption, causing debt. However, users still have to carry cards to go out, so digital wallets came into being. It is a smart phone application that combines mobile phones with financial cards and credit cards. Users can go shopping with smart phones and even finance. Cards, credit cards and other cards do not need to be taken out, but how to confirm that the virtual card in the user's mobile phone is actually applied for verification is necessary, otherwise the card may be downloaded and stolen by others.

Therefore, the present invention provides a method for managing a virtual card in a digital wallet, which effectively solves the above problems, and the specific architecture and its implementation manner will be described in detail below:

The main object of the present invention is to provide a method for managing a virtual card in a digital wallet, which is to install a digital wallet in a user's mobile device, and a plurality of virtual cards corresponding to the physical card can be downloaded in the digital wallet. All the information entered in the digital wallet will be transmitted to the issuing bank server through the transaction management platform, which can integrate the virtual cards of multiple issuing banks in the same number of wallets.

Another object of the present invention is to provide a method for managing a virtual card in a digital wallet. When the digital wallet is removed and reinstalled, the original virtual card is displayed in a grayscale in a digital wallet. Once the gray virtual card is clicked, the verification process can be performed through the transaction management platform or the issuing bank server, and the virtual card can be re-downloaded to be restored to a color usable state.

A further object of the present invention is to provide a method for managing a virtual card in a digital wallet. The issuing bank server transmits a dynamic password to the user for verification. If the dynamic password entered by the user is correct, the issuing bank server performs the verification. Nuclear card operation.

Another object of the present invention is to provide a method for managing a virtual card in a digital wallet. The issuing bank server separately transmits a download verification code to the transaction management platform and the mobile device, and the user inputs the download verification on the digital wallet of the mobile device. After the code, the transaction management platform will determine whether the user input is consistent with the card issuing bank server. If the user is notified, the user can start downloading the virtual card, and the issuing bank server generates the download verification code to avoid transaction management. The unfair situation of the player and the referee who simultaneously generated and verified the platform occurred.

To achieve the above objective, the present invention provides a method for managing a virtual card in a digital wallet, which first installs a digital wallet in a mobile device. The management method includes the following steps: applying for a virtual card in a digital wallet of the mobile device And input the information of the virtual card, the information of the virtual card is transmitted to a transaction management platform and a card issuing bank server for verification; the issuing bank server sends a dynamic password to the mobile device, and the mobile device inputs the dynamic password in the digital wallet. Transmitting the dynamic password entered by the mobile device to the issuing bank server for confirmation through the transaction management platform; the issuing bank server transmits a download verification code to the transaction management platform; the issuing bank server provides the download verification code to the mobile device, and simultaneously transactions The management platform displays a downloadable virtual card by using a digital wallet on the mobile device; and the mobile device inputs the download verification code in the digital wallet, and after the transaction management platform confirms the error, starts downloading the virtual card to the digital wallet. in.

The information of the virtual card includes the card number, expiration date and verification code of a physical card. The information of the virtual card is manually input, or is recognized by the mobile device after the physical card is photographed.

The transaction management platform stores a list of mobile device models that can support one of the digital wallets. When the user submits the application for the virtual card, the transaction management platform determines whether the model of the mobile device is in the mobile device model list. If the transaction management platform determines that the model of the mobile device is not in the mobile device model list, a warning message is displayed on the mobile device, and the virtual device application can be continued after the mobile device inputs a consent message.

The steps of transmitting the information of the virtual card to the transaction management platform and the issuing bank server for verification include the following steps: the transaction management platform performs basic verification on the information of the virtual card; the transaction management platform displays the service terms of the issuing bank and a download The verification code is obtained on the mobile device; a verification problem is input on the mobile device; and the transaction management platform transmits the virtual card information and the verification problem to the issuing bank server for verification.

Dynamic passwords and download verification codes are transmitted to mobile devices via SMS or email.

When the virtual card is downloaded to the digital wallet, the transaction management platform notifies the issuing bank server.

When the issuing bank server transmits the download verification code to the transaction management platform, the user's personal data is transmitted at the same time, and the user's personal data includes the card number of the physical card, the expiration date, the verification code and the chip data of the physical card.

After the card issuing bank server transmits the user's personal data and downloads the verification code to the transaction management platform, the transaction management platform immediately completes a personalization preparation, stores the user's personal data, and notifies the issuing bank server that the preparation has been completed.

Before entering the download verification code in the digital wallet, select the virtual card to be downloaded.

The transaction management platform and the issuing bank server are connected through the Internet, and the mobile device and the transaction management platform are connected through a mobile communication network or the Internet.

After the virtual card is downloaded to the digital wallet, the transaction management platform deletes the user's personal data.

If the virtual card is not downloaded within a predetermined period of time, the transaction management platform deletes the user's profile.

If the digital wallet is removed and then reinstalled in the same mobile device, the method of re-applying the virtual card includes the following steps: selecting the digital wallet or re-registering in the digital wallet; graying in the digital wallet The step mode displays at least one virtual card that is originally existing; the virtual card is selected to send a re-download message; after receiving the re-download message through the transaction management platform, the card issuing bank server sends a new download verification code to the transaction management platform; The card issuing bank server provides a new download verification code to the mobile device, and the transaction management platform displays the downloadable virtual card by displaying the message on the mobile device through the digital wallet; and inputting the new download verification code into the digital wallet, and transacting After the management platform confirms the error, it starts to download the virtual card into the digital wallet.

In the case, the digital wallet is originally set with a password. When the digital wallet is removed and reinstalled, if you choose to log in to the digital wallet, enter the password for verification by the transaction management platform.

If you choose to re-register, the following steps are included: re-enter the information of the virtual card in the digital wallet, the information of the virtual card is transmitted to the transaction management platform and the issuing bank server for verification; the issuing bank server sends a new dynamic password to a mobile device that enters a new dynamic password in a digital wallet; and the transaction management platform transmits the new dynamic password to the issuing bank The server confirms.

The invention provides a method for managing a virtual card in a digital wallet. A digital wallet is installed in a mobile device, which is an application downloaded from the network. For the system architecture, please refer to FIG. 1 and install in the mobile device 10. The digital wallet 102 downloads a virtual card in the digital wallet 102. The virtual card can represent a physical card such as a credit card, a financial card, a charge card, a stored value card or an electronic ticket smart card, and the issuing bank server 14 is a physical card. The back-end server of the issuing bank, and the transaction management platform 12 is a third-party platform, which integrates digital cards of a plurality of issuing banks for mobile payment, so that the user can use the mobile device to check out the card without having to bring cash and cards to go out. In addition, in accordance with the bank's preferential program, the bank's virtual card is selected in the digital wallet for payment. The mobile device 10 and the transaction management platform 12 are connected through an internet or telecommunication network, and the transaction management platform 12 and the card issuing bank server 14 are connected through the Internet.

2 is a method for managing a virtual card in a digital wallet of the present invention. When a user wants to download a virtual card having a physical card, first install an application of a digital wallet in the mobile device. The program, then as described in steps S10~S12, apply for a virtual card in the digital wallet of the mobile device, and input the information of the virtual card, including the card number, expiration date and verification code of the physical card, and then the virtual input just after step S14. The information of the card will be transmitted to the transaction management platform and the issuing bank server for verification. Here, the issuing bank server refers to the issuing bank of the physical card of the virtual card, and not other unrelated issuing banks; step S16 is issued. The bank server sends a dynamic password to the mobile device. In step S18, after the mobile device inputs the dynamic password in the digital wallet, the dynamic password input by the mobile device is transmitted to the card issuing bank server through the transaction management platform for confirmation, such as Step S20; after the card issuing bank verification is correct, the card card operation is performed. First, in step S22, the card issuing bank server transmits a download verification code to the transaction management platform, and then the card issuing bank server provides downloading in step S24. The verification code is given to the mobile device, and the transaction management platform displays the mobile phone through the digital wallet. One of the virtual cards is used to push the message; after receiving the download verification code, the mobile device receives the push message that can start downloading the virtual card, and then can input the download verification code in the digital wallet, and the transaction management platform inputs the mobile device. The download verification code is compared with the sender of the issuing bank server, and after confirming that the download verification code is correct, the mobile device can start downloading the virtual card into the digital wallet as described in step S26.

The transaction management platform stores a list of mobile device models supporting one of the digital wallets. In the above step S10, after the application for the virtual card is filed, the transaction management platform first determines whether the model of the mobile device is in the mobile device model list. To determine whether the mobile device supports the digital wallet application, if the mobile device model is in the mobile device model list, proceed directly to step S12, but if the mobile device model is not in the mobile device model list, A warning message is displayed on the mobile device, and the mobile device can continue to apply for the virtual card after inputting a consent message. The transaction management platform will periodically update the mobile device model list to the issuing bank server for the card issuing bank to publish to the customer for reference. The customer can check on the website of the issuing bank to find out which mobile device models can support the mobile payment service.

In the above step S12, the information of the virtual card can be manually input by the user, input the card number on the physical card, the expiration date and the three-code verification code on the back of the card into the digital wallet, or shoot the physical card with the mobile device. The mobile device recognizes, or the mobile device transmits the image of the physical card to the transaction management platform, and the transaction management platform recognizes the card number, expiration date and verification code in the image.

The above step S14 further includes a detailed step of verifying the information of the virtual card by the transaction management platform and the issuing bank server. As shown in FIG. 3, in step S142, the transaction management platform first performs basic verification on the information of the virtual card. If the verification is correct, the transaction management platform displays the service terms of the issuing bank and the acquisition verification code on the mobile device in step S144; in step S146, the user inputs a verification question on the mobile device, and the verification problem is the issuing bank customization. The user selects an input from the mobile device by using the mobile device; and the transaction management platform transmits the information such as the virtual card information and the verification problem to the issuing bank server for verification.

In the above step S22, when the issuing bank server transmits the download verification code to the transaction management platform, the personal data of the user is simultaneously transmitted, including the card number of the physical card, the expiration date, the verification code and the wafer data of the physical card. After the issuing bank server transmits the user's personal data and download verification code to the transaction management platform, the transaction management platform will immediately complete a personalized data preparation, store and transmit the personal data of the user given by the issuing bank server. A notice of preparation has been completed to the issuing bank server.

In the present invention, since the user's mobile device and the issuing bank server need to communicate through the transaction management platform, the dynamic password and the download verification code are transmitted to the mobile device through a short message or an email. Since the digital wallet application installed in the mobile device can be directly connected to the trading platform server, the trading platform server can control the digital wallet, so that the push message is directly jumped out and displayed on the mobile device, even if the mobile device does not have Turn on the digital wallet and still get notifications for downloadable virtual cards.

In addition, the dynamic password and the download verification code are transmitted to the mobile device via SMS or email, and the user will leave personal information such as a phone number and an email address when applying for the physical card. Therefore, only the use of the application entity card is used. The person may receive a newsletter or email containing a dynamic password and a download verification code. Others may have the card number, expiration date, or even verification code of the card, and cannot receive the dynamic password and download the verification code. Stealing.

In the above step S26, the user first selects at least one virtual card to be downloaded in the digital wallet, and then inputs a download verification code, which is input for the at least one virtual card to be downloaded. Since the download verification code is generated by the issuing bank server, it is sent to the transaction management platform and the mobile device respectively, and the download verification code input by the mobile device is compared and verified by the transaction management platform, instead of the download verification code generated by the transaction management platform itself. In this way, the transaction management platform can avoid the unfair situation of the player and the referee who generate the download verification code and verify, and the mobile device downloading the verification code to the user terminal is also more credible. Let the user believe that the download verification code is real rather than fraudulent; if the user enters the download verification code incorrectly multiple times, the virtual card will be locked, for example, if the number of errors in downloading the verification code is 5 times, The virtual card then locks the card, and the user needs to contact the issuing bank to confirm the identity, and then repeat steps S10 to S24.

When the mobile device downloads the virtual card to the digital wallet, the transaction management platform deletes the user's personal data. If the user does not download the virtual card within a predetermined period of time, the transaction management platform deletes the user's personal information. For example, if the mobile device has not downloaded the virtual card for more than 30 days, the transaction management platform will personalize the user. The data is removed, and the issuing bank server can query the transaction management platform for details of the undownloaded virtual card.

If the digital wallet is removed and then reinstalled in the same mobile device, the method of re-applying the virtual card, please refer to the flowchart of FIG. 4, in step S30, open the digital wallet on the mobile device, and digitally In the wallet, it is selected to log in the digital wallet or re-register; in step S32, the at least one virtual card originally existing in the digital wallet is displayed in a grayscale manner, that is, the virtual card that has been downloaded before is removed; in step S34, When the mobile device selects the virtual card, the digital wallet sends a re-download message to the transaction management platform; then, in step S36, the card issuing bank server receives the re-download message through the transaction management platform, and sends a new download verification code. To the transaction management platform; then, in step S38, the issuing bank server provides a new download verification code to the mobile device, and the transaction management platform displays the downloadable virtual card through the digital wallet on the mobile device; and finally the digital wallet Enter the new download verification code and start downloading the virtual card into the digital wallet after the transaction management platform confirms the error, as described in step S39.

The step S36 in the above FIG. 4 transmits the step of newly downloading the verification code to step S39 and steps S22 to S26 of the second drawing. In step S30 of FIG. 4, if re-registration is selected, please refer to FIG. 5 for the steps. First, in step S301, the mobile device re-enters the information of the virtual card in the digital wallet, and then, as described in step S302, the virtual card is The information is transmitted to the transaction management platform and the issuing bank server for verification; if the verification is correct, the issuing bank server sends a new dynamic password to the mobile device in step S303, and after the mobile device inputs the new dynamic password in step S304, in step S305. The transaction management platform transmits the new dynamic password input by the mobile device to the issuing bank server for confirmation. The flow of Fig. 5 corresponds to steps S12 to S20 in Fig. 2, except that the dynamic password is regenerated.

The digital wallet is originally set with a password. If you select the login digital wallet in step S30 of Figure 4, enter the password for verification by the transaction management platform. If the verification is successful, it will display grayscale in the digital wallet. Some virtual cards.

In the present invention, the transaction management platform simultaneously applies to at least one issuing bank server. If the user wants to apply for restoring a virtual card of a plurality of issuing banks, the transaction management platform simultaneously transmits information to each user who has to apply for a virtual card. Card issuing bank server.

In summary, the present invention provides a method for managing a virtual card in a digital wallet, which is to install a digital wallet in a user's mobile device, and a plurality of virtual cards corresponding to the physical card can be downloaded in the digital wallet, and the mobile device All the information entered in the digital wallet will be transmitted to the issuing bank server through the transaction management platform, which can integrate the virtual card of multiple issuing banks in the same number of wallets, and the issuing bank server will send two passwords to the action. The device is a dynamic password before the nuclear card operation and a download verification code for downloading the card, and multiple guarantees are used to improve the security of the network transaction; if the digital wallet is removed and reinstalled, the original virtual card will still be The grayscale pattern exists in the digital wallet, and the user can easily re-download the virtual card to resume use.

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‧‧‧Transaction Management Platform
14‧‧‧ Issuing Bank Server

1 is a block diagram of a system architecture applied to a method for managing a virtual card in a digital wallet of the present invention.

2 is a flow chart of a method for managing a virtual card in a digital wallet of the present invention.

Fig. 3 is a detailed flow chart of step S14 in Fig. 2.

Figure 4 is a flow chart of re-applying a virtual card after the digital wallet is removed and reinstalled on the same mobile device.

Fig. 5 is a detailed flow chart of the user selecting re-registration in step S30 in Fig. 4.

Claims (17)

A method for managing a virtual card in a digital wallet, wherein a digital wallet is installed in a mobile device, the management method comprising the steps of: applying, by the mobile device, at least one virtual card in the digital wallet, and inputting the virtual card Information such as the card number, expiration date and verification code of the physical card, the information of the virtual card is transmitted to a transaction management platform and at least one card issuing bank server for verification; the issuing bank server sends a dynamic password to the mobile device The mobile device further inputs the dynamic password in the digital wallet, and transmits the dynamic password input by the mobile device to the card issuing bank server for confirmation through the transaction management platform; the card issuing bank server transmits a download verification The code is sent to the transaction management platform; the card issuing bank server provides the download verification code to the mobile device, and the transaction management platform displays the downloadable message of the virtual card through the digital wallet on the mobile device; The mobile device inputs the download verification code in the digital wallet, and the transaction management platform confirms that it is correct. The virtual card to start downloading the digital wallet. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the information of the virtual card is manually input, or is captured by the mobile device after the physical card is photographed. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the transaction management platform stores a list of mobile device models supporting the digital wallet, and when the application for the virtual card is filed, the transaction management The platform determines whether the model of the mobile device is in the list of mobile device models. The method for managing a virtual card in the digital wallet of claim 3, wherein the transaction management platform determines that the model of the mobile device is not in the mobile device model list, A warning message is displayed on the mobile device, and the mobile device can continue to apply for the virtual card after inputting a consent message. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the information of the virtual card is transmitted to the transaction management platform and the card issuing bank for verification, further comprising the following steps: the transaction management The platform performs basic verification on the information of the virtual card; the transaction management platform displays the service terms of the issuing bank and the obtaining of the download verification code on the mobile device; inputs a verification problem in the mobile device; and the transaction management The platform transmits the information of the virtual card and the verification problem to the issuing bank server for verification. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the dynamic password and the download verification code are transmitted to the mobile device by means of a short message or an email. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the transaction management platform notifies the issuing bank server after the virtual card is downloaded to the digital wallet. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the card issuing bank server transmits the download verification code to the transaction management platform, and simultaneously transmits a user's personal data. The method for managing a virtual card in a digital wallet as claimed in claim 8, wherein the user's personal data includes a physical card card number, an expiration date, a verification code, and a wafer data of the physical card. The method for managing a virtual card in the digital wallet as claimed in claim 8, wherein the transaction management platform immediately completes the personalization after the card issuing bank server transmits the user's personal data and the download verification code to the transaction management platform. Data preparation, the user The person data is stored and the card issuing bank server is notified that the preparation has been completed. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the selection of the virtual card to be downloaded is performed before the download verification code is input in the digital wallet. The method for managing a virtual card in a digital wallet as claimed in claim 1, wherein the transaction management platform and the card issuing bank server are connected through an internet, and the mobile device communicates with the transaction management platform through a mobile communication network. Road or internet connection. The method for managing a virtual card in a digital wallet as claimed in claim 8 or 10, wherein the transaction management platform deletes the personal data of the user after the virtual card is downloaded to the digital wallet. The method for managing a virtual card in a digital wallet as claimed in claim 8 or 10, wherein the transaction management platform deletes the personal data of the user if the virtual card is not downloaded within a predetermined period of time. The method for managing a virtual card in the digital wallet as claimed in claim 1, wherein the digital wallet is reinstalled in the same mobile device after being removed, and the method for re-applying the virtual card includes the following steps: Selecting to log in the digital wallet or re-registering in the digital wallet; displaying at least one of the original virtual cards in the grayscale manner in the digital wallet; selecting the virtual card to send a re-downloading message; After receiving the re-download message through the transaction management platform, the card issuing bank server sends a new download verification code to the transaction management platform; the card issuing bank server provides the new download verification code to the mobile device, and the transaction management The platform displays the downloadable message of the virtual card by using the digital wallet on the mobile device; and inputs the new download verification code into the digital wallet, and the transaction management platform confirms that the message is correct. The virtual card is downloaded to the digital wallet. The method for managing a virtual card in the digital wallet as claimed in claim 15, wherein the digital wallet is originally set with a password, and if the digital wallet is removed and reinstalled, if the mobile wall folder is selected to be entered, the input is input. This password is used for verification by the transaction management platform. The method for managing a virtual card in the digital wallet according to claim 15, wherein if the re-registration is selected in the digital wallet, the method includes the following steps: re-entering the virtual card information in the digital wallet, the virtual The card information is transmitted to the transaction management platform and the card issuing bank server for verification; the card issuing bank server sends a new dynamic password to the mobile device, and the mobile device inputs the new dynamic password in the digital wallet; And the transaction management platform transmits the new dynamic password to the issuing bank server for confirmation.