TW201804388A - Virtual card management method in digital wallet capable of integrating virtual cards issued by different card issuance banks - Google Patents

Abstract

The present invention provides a virtual card management method in a digital wallet. The method includes: installing a digital box in a mobile device. The mobile device is configured to apply a virtual card in a digital wallet and input virtual card information. The virtual card information is transmitted to a transaction management platform and a card issuance bank server for authentication. The card issuance server is configured to transmit a dynamic password to the mobile device which then enters the dynamic password into the digital wallet. After the card issuance bank server confirms the dynamic password, it is configured to transmit a download authentic code to the transaction management platform and the mobile device. The transaction management platform is configured to display a push broadcast on the mobile device through the digital wallet. The mobile device is configured to download the authentic password from the digital wallet. After the transaction management platform confirms, the virtual card will be downloaded to the digital wallet. This invention integrates virtual cards issued by different card issuance banks in the same digital wallet.

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 Internet technologies are developing rapidly and the penetration rate is increasing. Physical virtualization can reduce waste of resources and increase convenience, such as electronic billing, email advertising, and online stores. Not only can reduce paper consumption, but also save The cost of renting a store can be convenient without having to go out to shop at home or pay online.

With the evolution of encryption algorithms, on the premise that the security of online transactions is sufficient, online transactions are further expanded to financial transactions. At present, there are electronic wallets that are integrated into financial cards, and users do not need to carry cash to go out. As long as there is money in the bank account, the debit card can be debited from the bank account by swiping the financial card, and the user can do whatever it takes to avoid excessive consumption and trigger liabilities. However, users still have to carry cards to go out, so digital wallets came into being. It is a smart phone application that combines a mobile phone with a financial card and a credit card. As long as the user takes the smart phone to go out, he can spend money on shopping, even financial 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 really needs to be verified for his own application, otherwise the card may be downloaded and stolen by others.

Therefore, the present invention proposes a method for managing virtual cards in digital wallets, which effectively solves the above-mentioned problems. The specific architecture and implementation manners will be described in detail below:

The main purpose of the present invention is to provide a method for managing virtual cards 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 physical cards can be downloaded into the digital wallet. All the information entered in the digital wallet to be sent to the card issuing bank server will pass the transaction management platform, which can integrate the virtual cards of multiple card issuing banks into the same digital wallet.

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 will be presented in the digital wallet in a gray scale. One click on the gray virtual card, and the verification process is performed through the transaction management platform or the card issuing bank server, and the virtual card can be downloaded again to restore it to a color-usable state.

Another object of the present invention is to provide a method for managing a virtual card in a digital wallet. The card issuing bank server sends a dynamic password to the user for verification. If the dynamic password entered by the user is correct, the card issuing bank server will perform the verification. Nuclear card operations.

Another object of the present invention is to provide a method for managing a virtual card in a digital wallet. The card issuing bank server will send a download verification code to the transaction management platform and the mobile device respectively. The user enters the download verification on the digital wallet of the mobile device. After the code, the transaction management platform will determine whether the input entered by the user is consistent with that given by the card-issuing bank server. If they match, the user is notified to start downloading the virtual card. The card-issuing bank server generates a download verification code to avoid transaction management. The platform also produced and verified player and referee injustice.

To achieve the above object, the present invention provides a method for managing a virtual card in a digital wallet. A digital wallet is first installed in a mobile device. The management method includes the following steps: applying for a virtual card in the digital wallet of a mobile device , And input the virtual card information, the virtual card information is transmitted to a transaction management platform and a card issuing bank server for verification; the card issuing bank server sends a dynamic password to the mobile device, and the mobile device enters the dynamic password in the digital wallet Send the dynamic password entered by the mobile device to the card-issuing bank server for confirmation through the transaction management platform; the card-issuing bank server sends a download verification code to the transaction management platform; the card-issuing bank server provides the download verification code to the mobile device, and the transaction The management platform displays one of the downloadable virtual cards on the mobile device through the digital wallet; and the mobile device enters the download verification code in the digital wallet. After the transaction management platform confirms that it is correct, it starts to download the virtual card to the digital wallet. in.

Among them, the information of the virtual card includes the card number, expiration date and verification code of a physical card. Virtual card information is entered manually or recognized by a mobile device after taking a physical card.

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

The steps of transmitting the virtual card information to the transaction management platform and the issuing bank server for verification include the following steps: the transaction management platform performs basic verification of the virtual card information; the transaction management platform displays the service terms of the card issuing bank and a download The prompt for obtaining the verification code is on the mobile device; enter a verification question on the mobile device; and the transaction management platform sends the virtual card information and verification question to the card-issuing bank server for verification.

Dynamic passwords and download codes are sent to mobile devices via text messages or email.

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

When the card-issuing bank server sends the download verification code to the transaction management platform, it also sends the user's personal data. The user's personal data includes the card number, expiration date, verification code, and chip data of the physical card.

After the card-issuing bank server sends the user's personal data and a download 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 card-issuing bank server that the preparation has been completed.

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

The transaction management platform and the card-issuing bank server are connected through the Internet, and the mobile device and the transaction management platform are connected through the 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 has not been downloaded within a preset period, the transaction management platform deletes the user's personal data.

If the digital wallet is removed and then reinstalled in the same mobile device, the method of re-applying for a virtual card includes the following steps: select to log in to the digital wallet or re-register in the digital wallet; gray out the digital wallet The first-level method displays at least one virtual card that was previously available; select the virtual card to send a re-download message; the card-issuing bank server sends a new download verification code to the transaction management platform after receiving the re-download message through 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 a push message on the mobile device through a digital wallet to display one of the downloadable virtual cards; and enters the new download verification code into the digital wallet, and the transaction After the management platform confirms that it is correct, it starts to download the virtual card to the digital wallet.

The password was originally set in the digital wallet. 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, it includes the following steps: re-enter the virtual card information in the digital wallet, the virtual card information 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, which then enters a new dynamic password into the digital wallet; and the transaction management platform sends the new dynamic password to the card-issuing bank server for confirmation.

The present invention provides a method for managing a virtual card in a digital wallet. A digital wallet is first installed in a mobile device, which is an application program downloaded from the Internet. For the system architecture, please refer to FIG. 1 and install in a mobile device 10. Digital wallet 102. A virtual card is downloaded in this digital wallet 102. This virtual card can represent a physical card such as a credit card, debit card, debit card, stored value card, or electronic ticket smart card. The issuing bank server 14 is a physical card. The back-end server of the card-issuing bank, and the transaction management platform 12 is a third-party platform that integrates the digital cards of multiple card-issuing banks for mobile payment, allowing users to use their mobile devices to perform card payment checkout without having to bring cash and cards out In addition, according to the bank's preferential plan, the virtual card of the bank can be selected in the digital wallet for payment. The mobile device 10 and the transaction management platform 12 are connected through the Internet or a telecommunication network, and the transaction management platform 12 and the card issuing bank server 14 are connected through the Internet.

FIG. 2 is a management method of a virtual card in a digital wallet according to the present invention. When a user wants to download a virtual card with an existing physical card, first install an application of the digital wallet in a mobile device, and then proceed to step S10. As described in ~ S12, apply for a virtual card in the digital wallet of the mobile device, and enter the virtual card information, including the card number, expiration date, and verification code of the physical card. Then, the information of the virtual card just entered in step S14 will be transmitted. Go to the transaction management platform and the card-issuing bank server for verification. Here, the card-issuing bank server refers to the card-issuing bank of the physical card of the virtual card, rather than other unrelated card-issuing banks. Step S16 The card-issuing bank server sends a dynamic Pass the password to the mobile device. In step S18, after the mobile device enters the dynamic password in the digital wallet, the dynamic password entered by the mobile device is transmitted to the card-issuing bank server for confirmation through the transaction management platform, as described in step S20; when After the card-issuing bank server verifies that the card verification is correct, the card-issuing operation will be performed. First, in step S22, the card-issuing bank server sends a download verification. Code to the transaction management platform, and then in step S24, the issuing bank server provides a download verification code to the mobile device, while the transaction management platform displays a push message on the mobile device via a digital wallet on the mobile device; the mobile device receives the download After receiving the verification code, after receiving the push message that can start downloading the virtual card, you can enter the download verification code in the digital wallet. The transaction management platform compares the download verification code entered by the mobile device with the sender of the issuing bank server After confirming that the download verification code is correct, the mobile device can start downloading the virtual card to the digital wallet, as described in step S26.

The transaction management platform stores a list of mobile device models that can support digital wallets. In the above step S10, when an application for the virtual card is submitted, the transaction management platform will first determine whether the model of the mobile device is in the mobile device model list. To determine whether the mobile device supports the operation of the application of the digital wallet, if the model of the mobile device is in the list of mobile device models, go directly to step S12, but if the model of the mobile device is not in the list of mobile device models, A warning is displayed on the mobile device, and the application for the virtual card can be continued after the mobile device enters a consent message. The transaction management platform will periodically update this list of mobile device models to the card issuing bank's server for the card issuing bank to announce to customers for reference. Customers can check on the card issuing bank's website which mobile device models can support mobile payment services.

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

The above step S14 further includes detailed steps for 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 of the information of the virtual card. If the verification is correct, step S144 the transaction management platform displays the terms of service of the card issuing bank and a download verification code acquisition prompt on the mobile device; step S146, the user enters a verification question on the mobile device, and the verification question is customized by the card issuing bank , The user uses the mobile device to select an input from it; and the transaction management platform sends information such as virtual card information and verification problems to the card-issuing bank server for verification.

In the above step S22, when the card-issuing bank server sends the download verification code to the transaction management platform, it also transmits the personal data of a user, including the card number, expiration date, verification code, and chip data of the physical card. When the card-issuing bank server sends the user's personal data and download verification code to the transaction management platform, the transaction management platform will immediately complete a personalization data preparation, store and transmit the personal data of the user given by the card-issuing bank server Notification to the issuing bank server that the preparations have been completed.

In the present invention, since the user's mobile device and the card-issuing bank server need to communicate through a transaction management platform, the dynamic password and download verification code are transmitted to the mobile device via a text message or email. And because the digital wallet application installed on the mobile device can be directly connected to the trading platform server, the trading platform server can control the digital wallet to make the push message pop up and display directly on the mobile device, even if the mobile device does not have Open the digital wallet and still get notifications of downloadable virtual cards.

In addition, dynamic passwords and download verification codes are sent to mobile devices via text messages or emails, and users will retain personal information such as phone numbers and email addresses when applying for physical cards, so only the use of physical cards This person may receive a text message or email containing a dynamic password and a download verification code. Even if someone else has the card number, expiration date, or even a verification code, they cannot receive the dynamic password and download verification code. Misappropriation.

In the above step S26, the user first selects at least one virtual card to be downloaded in the digital wallet, and then enters a download verification code. The download verification code is inputted for the at least one virtual card to be downloaded. The download verification code is generated by the card-issuing bank server and sent to the transaction management platform and the mobile device. The download verification code entered by the mobile device is compared and verified by the transaction management platform, instead of being generated by the transaction management platform. In this way, the injustice of the transaction management platform that generates both the download verification code and the verification of the player and the referee can be avoided, and the card verification server sends the download verification code to the mobile device on the user side, which is more credible and capable of Make users believe that the download verification code is real and not fraudulent. If the user enters the download verification code incorrectly multiple times, the virtual card will be locked. For example, if the download verification code is entered incorrectly 5 times, The virtual card is then locked. After confirming the identity with the issuing bank, the user repeats the above steps S10 to S24.

After 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 preset period, the transaction management platform deletes the user's personal data. For example, if the mobile device has not downloaded the virtual card for more than 30 days, the transaction management platform will delete the user's personal information. The data is removed, and the card-issuing bank server can query the details of the undownloaded virtual card from the transaction management platform.

If the digital wallet is removed and then reinstalled in the same mobile device, please refer to the flowchart in Figure 4 for the method of re-applying for a virtual card. In step S30, open the digital wallet on the mobile device, and In the wallet, select to log in to the digital wallet or re-register; in step S32, at least one of the existing virtual cards is displayed in grayscale in the digital wallet, that is, the previously downloaded virtual card is removed; in step S34, When the mobile device selects the virtual card, the digital wallet will send a re-download message to the transaction management platform. Then in step S36, the card-issuing bank server sends a new download verification code after receiving the re-download message through the transaction management platform. To the transaction management platform; then in step S38, the issuing bank server provides a new download verification code to the mobile device, and at the same time, the transaction management platform displays a push message on the mobile device via the digital wallet to display one of the downloadable virtual cards; and finally, the digital wallet Enter the new download verification code in, and after confirming that the transaction management platform is correct, download the virtual card into the digital wallet, as described in step S39.

The steps from step S36 in FIG. 4 above to sending a new download verification code to step S39 are the same as steps S22 to S26 in FIG. 2. In step S30 in FIG. 4, if you choose to re-register, please refer to FIG. 5 for the steps. First, in step S301, the mobile device re-enters the virtual card information in the digital wallet, and then as described in step S302, The information is transmitted to the transaction management platform and the issuing bank server for verification; if the verification is correct, step S303, the issuing bank server sends a new dynamic password to the mobile device. After the mobile device enters the new dynamic password in step S304, step S305 The transaction management platform sends the new dynamic password entered by the mobile device to the card-issuing bank server for confirmation. The flow in FIG. 5 is equivalent to steps S12 to S20 in FIG. 2 except that the dynamic password is regenerated.

A password was originally set in the digital wallet. If you chose to log in to the digital wallet in step S30 in Figure 4, enter the password for verification by the transaction management platform. If the verification is successful, the digital wallet will be displayed in grayscale. Some virtual cards.

In the present invention, the transaction management platform simultaneously applies to at least one card-issuing bank server. If the user wants to apply for the restoration of the virtual cards of multiple card-issuing banks, the transaction management platform will simultaneously send information to each user who has a virtual card to apply for 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 physical cards can be downloaded into the digital wallet, and the mobile device All the information entered in the digital wallet is sent to the issuing bank server through the transaction management platform. The virtual cards of multiple issuing banks can be integrated into the same digital wallet. The issuing bank server will send a total of two passwords to the action. Devices, which are the dynamic password before the card verification operation and the download verification code for the download card, have multiple guarantees to improve the security of online transactions; if the digital wallet is removed and reinstalled, the original virtual card will still The gray scale pattern exists in the digital wallet, and the user can easily re-download the virtual card and use it again.

The foregoing are merely preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. Therefore, all equal changes or modifications made according to the features and spirit described in the scope of the application of the present invention shall be included in the scope of patent application of the present invention.

10‧‧‧ mobile device
102‧‧‧digital wallet
12‧‧‧Transaction Management Platform
14‧‧‧ Card issuing bank server

FIG. 1 is a block diagram of a system architecture applied to a method for managing a virtual card in a digital wallet according to the present invention. FIG. 2 is a flowchart of a method for managing a virtual card in a digital wallet according to the present invention. FIG. 3 is a detailed flowchart of step S14 in FIG. 2. Figure 4 is a flowchart of re-applying for a virtual card after the digital wallet is removed and reinstalled on the same mobile device. FIG. 5 is a detailed flowchart after the user chooses to re-register in step S30 in FIG. 4.

Claims (18)

A management method for a virtual card in a digital wallet. Before installing a digital wallet in a mobile device, the management method includes the following steps: The mobile device applies for at least one virtual card in the digital wallet and enters the virtual card. Information of the virtual card is transmitted to a transaction management platform and at least one card issuing bank server for verification; the card issuing bank server sends a dynamic password to the mobile device, and the mobile device enters it in the digital wallet The dynamic password is transmitted to the card issuing bank server for confirmation through the transaction management platform and the dynamic password entered by the mobile device is transmitted; the card issuing bank server sends a download verification code to the transaction management platform; the card issuing bank server Providing the download verification code to the mobile device, and at the same time, the transaction management platform displays a push message that can download the virtual card on the mobile device through the digital wallet; and the mobile device enters the download into the digital wallet Verification code, after confirming that the transaction management platform is correct, download the virtual card into the digital wallet The method for managing a virtual card in a digital wallet according to claim 1, wherein the information of the virtual card includes a card number, an expiration date, and a verification code of a physical card. The method for managing a virtual card in a digital wallet as described in claim 2, wherein the information of the virtual card is manually entered, or the mobile device is used to identify the virtual card after the picture is taken. The method for managing a virtual card in a digital wallet according to claim 1, wherein the transaction management platform stores a list of mobile device models that can support the digital wallet. When an application for the virtual card is submitted, the transaction management platform Determine whether the model of the mobile device is in the list of mobile device models. According to the method for managing a virtual card in a digital wallet as described in claim 4, wherein the transaction management platform determines that the model of the mobile device is not in the list of mobile device models, a warning is displayed on the mobile device, waiting for The mobile device enters a consent message before proceeding with the application for the virtual card. The method for managing a virtual card in a digital wallet as described in claim 1, wherein 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 The platform performs basic verification of the information of the virtual card; the transaction management platform displays the terms of service of the card-issuing bank and a download verification code prompt on the mobile device; enters a verification question in the mobile device; and the transaction management The platform sends the virtual card information and the verification question to the card-issuing bank server for verification. The method for managing a virtual card in a digital wallet according to claim 1, wherein the dynamic password and the download verification code are transmitted to the mobile device through a text message or an email. The method for managing a virtual card in a digital wallet according to claim 1, wherein after the virtual card is downloaded to the digital wallet, the transaction management platform notifies the card-issuing bank server. The method for managing a virtual card in a digital wallet according to claim 1, wherein when the card issuing bank server transmits the download verification code to the transaction management platform, it also transmits a user's personal data. The method for managing a virtual card in the digital wallet according to claim 9, wherein the personal data of the user includes a card number, an expiration date, a verification code, and chip data of the physical card. The method for managing a virtual card in a digital wallet as described in claim 9, wherein the card-issuing bank server sends the user's personal data and the download verification code to the transaction management platform, and the transaction management platform immediately completes a personification Data preparation, storing the user's personal data, and notifying the card-issuing bank server that the preparation work has been completed. The method for managing a virtual card in a digital wallet according to claim 1, wherein before the download verification code is input in the digital wallet, the selection of the virtual card to be downloaded is performed. The method for managing a virtual card in a digital wallet according to claim 1, wherein the transaction management platform and the card issuing bank server are connected through the Internet, and the mobile device and the transaction management platform are connected via a mobile communication network. Road or internet connection. The method for managing a virtual card in a digital wallet according to claim 9 or 11, wherein after the virtual card is downloaded to the digital wallet, the transaction management platform deletes the user's personal data. The method for managing a virtual card in a digital wallet according to claim 9 or 11, wherein if the virtual card is not downloaded within a preset period, the transaction management platform deletes the user's personal data. The method for managing a virtual card in the digital wallet according to claim 1, wherein if the digital wallet is removed and then reinstalled in the same mobile device, the method for reapplying the virtual card includes the following steps: In the digital wallet, choose to log in to the digital wallet or re-register; in the digital wallet, display at least one of the existing virtual cards in a grayscale manner; select the virtual card to send a re-download message; the After the card-issuing bank server receives the re-downloaded message through the transaction management platform, it 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 a push message that can download one of the virtual cards on the mobile device through the digital wallet; and enters the new download verification code in the digital wallet, and starts to download the virtual card after the transaction management platform confirms that it is correct Into the digital wallet. The management method of the virtual card in the digital wallet as described in claim 16, wherein the digital wallet originally has a password set. When the digital wallet is removed and reinstalled, if you choose to log in to the digital wallet, enter The password is used for verification by the transaction management platform. The management method of the virtual card in the digital wallet according to claim 16, wherein if the user chooses to re-register in the digital wallet, the method includes the following steps: Re-enter the information of the virtual card in the digital wallet, and the virtual The card information is sent 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 enters the new dynamic password into the digital wallet; And the transaction management platform sends the new dynamic password to the card-issuing bank server for confirmation.