CN101561907A

CN101561907A - System and method of managing contactless payment transactions using a mobile communication device as a stored value device

Info

Publication number: CN101561907A
Application number: CNA2008100019553A
Authority: CN
Inventors: 孙骏恭; 安宝杰; 罗英哲; 李启宏
Original assignee: Macronix International Co Ltd
Current assignee: Macronix International Co Ltd
Priority date: 2007-05-01
Filing date: 2008-01-04
Publication date: 2009-10-21
Also published as: CN101388128A; CN101388128B; CN103226879A; CN101388094A; CN101458846A; CN101369363A; CN104867003A

Abstract

A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the transaction from the stored value device-one via a communication channel through the telecommunication provider network, and another via an independent communication channel. The records are reconciled at the transaction server for transaction verification.

Description

With contactless payment transactions management system and the method for device for mobile communication as the Stored Value device

Technical field

The present invention relates to the commerce technology field, relate in particular to a kind of at the electronic payment system of portable communication device as the usefulness of smart card.

Background technology

Because being extensive use of of mobile phone, and emerging smart card techniques is as the advantage of Stored Value device, therefore, smart card techniques is applied on the mobile phone as the Stored Value device, caused sizable attention.People such as Sakamura in the electronics Stored Value conversion equipment of interface " be equipped with wireless IC " No. 2006/0097037 patent application case of the U.S. for topic, disclose a kind of in conjunction with mobile phone (for example: system mobile phone) with smart card techniques advantage.

Because smart card is controlled the deficiency of access capability, and alter the situation of smart card, use portable electronic devices to come Stored Value, produced the new problem on a series of safety as smart card.Based on the safety technique of computing machine, comprise the generation that encryption and Verification System can limit tamper condition.Yet, the client for these based on the safety technique of computing machine reliability still low.Simultaneously, along with the increase of Stored Value in these devices, and the motivation that will crack based on the protection mechanism of computing machine also can increase thereupon.

In addition, the financial transaction network that is used for the Mobile business framework enjoys the attention of banking system and communication system operator.The fiduciary level of existing banking system and telecommunications network that the dealer provides has then limited the elasticity of this technology, and hinders it and expand and use.

So a kind of framework of Mobile business need be provided, and can reduce the possibility of altering device for mobile communication, and the situation of using this electron storage gold deception, also reduce for the dependency degree in banking system and the access of telecommunications dealer grid simultaneously.

Summary of the invention

In view of this, one object of the present invention is to provide a kind of use one device for mobile communication system architecture that (for example being mobile phone or other similar device) comes managing transaction.The employed device for mobile communication of system architecture has safe storage that can be used to Stored Value and the features such as controller of managing this safe storage in the present invention.Controller on this device for mobile communication by at least two independent media, supports this trading terminal to be connected with the device for mobile communication communication of near-end, to reach the purpose at the safe storage management data.And aforementioned two independent media comprise an agreement of carrying out through telecommunications dealer network, and preferably finish through the security protocol of using wireless near-end coupling device or other type communication to connect.In one embodiment, see through agreement that this telecommunications dealer network carries out can with an industry standard data communication agreement (for example be: e-mail agreement or be defined in GSM and recommend 03.40 short message service (SMS) agreement) compatibility.Simultaneously, in one embodiment, carry out the security protocol that is used in a trading terminal and a wireless near-end coupling device communication and can be a wireless protocols and accord with industry standard ISO 14443.For instance, this Stored Value device can be executed on the smart card that meets industry standard ISO 7816 or other similar techniques.

According to system of the present invention, a transaction operations server is to be connected with a telecommunication interface terminating machine with a trading terminal.Telecommunication interface terminating machine of the present invention sees through the telecommunications dealer's network at the device for mobile communication of transaction operations server and use native system, comes the management communication channel.Trading terminal (can be independently computing machine, sales end point apparatus or network or other device for mobile communication) but be that configuration avoids program or data to be altered by the personage of retailer or other this terminating machine of access in memory technology safe in utilization.This transaction operations server is a configuration in carrying out application-specific (the particularly program that is customized at retail terminal individual transaction terminating machine), and uses at a high safety and enjoy the communication environment of trust, for example: the communication in public base construction (PKI).Simultaneously, any transaction that relates to change application program or data, can influence the use of content on trading terminal or the Stored Value device, can carry out high safety to authenticate/check and approve/decoding technique is substituted in this transaction operations server and is connected with communication between the trading terminal.Stored Value transaction or change an agreement that is connected in this trading terminal and agreement safe in utilization between the device for mobile communication of reading machine in the program that stores on the device for mobile communication or data system and save from damage.

According to framework of the present invention carry out the Stored Value transaction comprise by the retailer buy commodity, buy the amusement associated electrical (virtual) that can be stored on this communication device at a discount volume or ticket volume, buy service, with the eCheck form change fund, conversion electron at a discount volume and electronic ticket volume to other device for mobile communication, exchange the relevant eCheck of amusement, volume or ticket are rolled up or the like at a discount.

Controller on device for mobile communication is a configuration in transmitting the record that transaction record or other are used for keeping accounts or confirm transaction operations server, transaction at that time and/or the real trade time regularly transmit separately, and see through telecommunications dealer network and use a communication path.Transmit data by this communication path, and see through and use this telecommunications dealer network, be used as confirming using the second way of the real trade that trading terminal carries out, the information that can detect altering safe storage on this device for mobile communication is provided simultaneously.

This bank network interface of this operate services management comprises the essential bank network connection of Account Registration service to set up user account and to be transmitted Stored Value stored value accounts to the device for mobile communication by bank account.

The user can increase Stored Value to this Stored Value device under the situation of this device for mobile communication line model and off-line mode, and exchanges Stored Value through a trading terminal from this Stored Value device.When this device for mobile communication is operated under a line model, by the entry network site of user access about this operations server, and guiding enters a vendor web site or the mobile communication user is presented one at line interface again as an interactive terminating machine for it.This operations server can be under line model settlement bargain in real time.When this device for mobile communication is operated under off-line mode, the trading terminal system as off-line trading under each retailer is responsible for this Stored Value is converted to this device for mobile communication, and rely on the possessor's of this device for mobile communication debt letter situation, for instance, similarly be to handle the gift token sales transactions.For off-line trading, the responsible credit card network of individual other retailer, maybe in the time will transmitting Stored Value, need money transaction to mobile indicating device, person more, this trading terminal is that configuration is in transmitting transaction record, and be used for keeping accounts and confirm this transaction operations server and between them, use a secure path to carry out, transaction at that time and/or the real trade time regularly transmit separately.

In system of the present invention, a kind of processing payment transaction possibility method comprises:

On the safe storage of a mobile phone, store the data of representing an amount of money;

This mobile phone be connected near setting up one between the trading terminal of this mobile phone;

Set up communication between this mobile phone and this trading terminal, and this trading terminal uses to connect to change according to a particular transaction and is stored in the data of representing an amount of money on this mobile phone:

Pass on the first stroke record of a particular transaction, and it is to transfer to an operations server by one first communication path that this mobile phone sees through a telephone service dealer network;

One second of the particular transaction that passes on is taken down notes record, and it is to transfer to this operations server by this trading terminal through one second communication path that a communication network is connected to this trading terminal and this server;

Coordination the first stroke and second on this operations server is taken down notes record to confirm this particular transaction.

Another may be used for handling the method for payment transaction in system of the present invention, system changes on this device for mobile communication with the represented Stored Value of data according to this particular transaction, and be by partly wireless telecommunications between this device for mobile communication and this trading terminal at least, comprise:

On this transaction operations server,, come to receive the first stroke record of each described particular transaction from this device for mobile communication by one first communication path that sees through a telephone service dealer network;

On this transaction operations server,, come to receive one second notes record of each described particular transaction from this trading terminal by one second communication path that sees through in conjunction with a communication network of this trading terminal; And

Each described particular transaction is confirmed in this first stroke and the second notes record of coordination on this trading server.

Can transmit the first stroke record at that time at this particular transaction, or merge through back after a while and carry out the record of other transaction, and independently go out the report of this particular transaction sometimes.In the same manner, can transmit the first stroke record at that time at this particular transaction, for instance, if at this particular transaction at that time, this trading terminal is a line model, or merges other transaction record, and independently goes out this particular transaction report sometimes.In addition for instance, if at this particular transaction at that time, this trading terminal is an off-line mode.The further affirmation that allows true sale that reconsolidates in the first stroke on the operations server and the second notes record detects altering of safe storage storer on this device for mobile communication and detects altering of trading terminal.

The present invention is the data handling system of describing a kind of data handling system as mobile payment server, a device for mobile communication, reaching the mobile paying framework trading terminal of a kind of conduct support.Therefore, of the present invention a kind of as supporting that mobile operation for paying the fee data in server disposal system comprises a data processor, and but it comprises the program storage of stored routine, and it comprises the instruction that can pass through this data processor execution, and has the data communication resource that to support a plurality of communications protocol, for instance, comprise to carry out and support to be connected to the agreement of a device for mobile communication, and can be executed in Internet protocols through this telecommunications dealer network.Program on operations server comprises a procedural application in controlling about changing the transaction of Stored Value on the device for mobile communication.Therefore, comprise at this operations server previous generation list procedure:

Transmit the data of representing this device for mobile communication one Stored Value;

Receive the first stroke record of a particular transaction, and it is one first communication path that is seen through a telephone service dealer network by this device for mobile communication;

Receive one second notes record of a particular transaction, and it is to see through second communication path of complying with that a communication network is connected to this trading terminal by this device for mobile communication;

Coordinate the first stroke and the second notes record to confirm this particular transaction; And

Upgrade an account relevant with this particular transaction.

Another procedural application is recorded to this operations server in regularly receiving the Stored Value final accounts of transmitting from mobile device through this telecommunications dealer network on this trading server.This operations server also comprises and is into reexamination and monitors this Stored Value final accounts record, and the account activity that detects deception or alter Stored Value on this mobile device storer, and other promotes the program that this moves the charging system security.

Another program control particular transaction on this operations server, and it is initial and between (1) one device for mobile communication by wireless telecommunications at least partially institutes, and it has a Stored Value, and this Stored Value is represented by the data on this device for mobile communication, and (2) one trading terminals, comprise instruction and carry out:

On this transaction operations server, receive the first stroke particular transaction of this device for mobile communication, wherein the newly-increased data of the first stroke amount of money on this device for mobile communication of this first transaction are represented this Stored Value, and wherein this first stroke amount of money is one first data type, and its representative is issued currency by one first commerce of the first one or more enterprise credits;

On this transaction operations server, receive one second particular transaction of this device for mobile communication, wherein this second transaction deducts the data of one second amount of money on this device for mobile communication and represents this Stored Value, and wherein this second amount of money is one second data type, and its representative is issued currency by one second commerce of the second one or more enterprise credits;

On this transaction operations server, exchange data representative on this device for mobile communication between this first data type and this second data type to the small part amount of money.

Another program of being carried out by this data handling system comprises the record that a plurality of data types that contain this first data type and this second data type are kept in the instruction of safeguarding account database, and the currency that each these a plurality of data types to express is issued by one or more enterprise.The account, database also kept a plurality of Communications service dealers' of device for mobile communication user logging, for example Internet service dealer or telecommunications service dealer, and those records comprise the bill record that is sent to a plurality of Communications service dealers' data processor by this data handling system.

This data handling system is flexibly operated different electronic-monetary systems.In view of the above, the exchange of the amount of money occurs in the number of the account that the paid service dealer operates transaction operations server, or an electronic money of retailer institute credit.Between paid service dealer, commercial organization and Communications service dealer, help to support different electronic money or area covered by agreement, and the exchange proportion between any two electronic money can be set at 1: 1 or other ratio.Settlement system also has similar elasticity.The amount of money system of exchanging lends this device for mobile communication user's account.Alternatively, should take out by device for mobile communication user's account by redemption amount.In another embodiment, send the some of Stored Value the retailer device for mobile communication user that concludes the business, this redemption amount is direct loan to a paid service supplier account, or borrows money to retailer's account of paid service dealer supporter redemption amount debtor-creditor relationship.

In addition, device for mobile communication one data processor of the present invention, and it comprises and can carry out the program storage of stored routine and have the data communication resource that can support a plurality of communications protocol by this data processor, and this communications protocol comprises the communications protocol that at least one is supported by telecommunications dealer network, and at least one is as the communications protocol of wireless near-end coupling.In addition, program on this device for mobile communication can be used to maintenance can be by the storer Stored Value of this data processor access, with the authentication of supporting that this device for mobile communication is connected with trading terminal, and see through wireless near-end coupling and is connected, and be connected with a server through this telecommunications dealer network is next with a trading terminal.Also comprise the program that is fit to be used for carrying out the transaction of change Stored Value on this device for mobile communication in the program on this device for mobile communication.Therefore, comprise at this device for mobile communication previous generation list procedure:

Store the data of representative Stored Value on device for mobile communication;

Set up the wireless connections between this device for mobile communication and a trading terminal;

The communication of execution between this device for mobile communication and this trading terminal, and this trading terminal system foundation one particular transaction, and use these wireless connections to change the Stored Value of on this device for mobile communication, representing with storage data;

Pass on the first stroke record of this particular transaction by this device for mobile communication to one transaction operations server, it is a communication path that sees through this telephone service dealer network, and one second communication path that sees through the communication network that connects next and this trading terminal is delivered to the second notes picture recording coordination mutually of the particular transaction of this trading server.

In addition, the program on this device for mobile communication system make this device for mobile communication as a conversion device for mobile communication between the trading terminal of Stored Value.Another program system on this device for mobile communication regularly transmits the Stored Value final accounts by telecommunications dealer network and is recorded to this operations server.This Stored Value final accounts record can be used to monitor activity, detection deception or the Stored Value tamper condition of Stored Value on this device for mobile communication, and is provided at the extra affirmation in the licit traffic.Related program is stored on the storer of this device for mobile communication in this mobile charging system, and it can avoid being altered, and only can be authorized to the program that the personage authorizes by operations server or other and manage.

The trading terminal that paying is moved in support of the present invention comprises and has a data processor, and but it comprises the program storage of stored routine, and it comprises the instruction that can pass through this data processor execution, and has the data communication resource that to support a plurality of communications protocol, and this communications protocol comprises at least one and is used for agreement with this server data link, and at least one short distance connection protocol (for example: wireless near-end coupling).Record on the program on this trading terminal is fit to be used for maintenance memory, this record system is about Stored Value conversion on the device for mobile communication, see through wireless near-end and be coupled and confirm that device for mobile communication connects, and be connected to the clearing that this server carries out this transaction record account.Simultaneously, comprise at this trading terminal previous generation list procedure:

Accept to use this wireless near-end coupling to represent the data of a Stored Value on this device for mobile communication;

One of this particular transaction that passes on is recorded to a transaction operations server, it is the communication path through a communication network, sees through the second notes picture recording that connects to come with the particular transaction of delivering to this trading server through a communication path of telephone service dealer network and coordinates mutually.

In addition, trading server in certain embodiments comprise a card reading machine, and trading terminal on program (comprising the program that can read a credit card or transferred account card) and see through wireless near-end coupling (to handle this credit card or transferred account card) and handle and on device for mobile communication, increase the Stored Value requirement by Stored Value being converted to this device for mobile communication.

Others of the present invention and advantage can be graphic referring to following reference, embodiment and claims.

Description of drawings

Fig. 1 system illustrates the calcspar of the present invention's one system architecture.

Fig. 2 system illustrates the communication syndeton of between a trading terminal and a trading server (system as described in Figure 1).

Fig. 3 system illustrates a kind of device for mobile communication that connects two kinds of independent medium of communications, and comprising telecommunications service provides network, and is used for connecting the media of a trading terminal to contiguous device for mobile communication.

Fig. 4 system illustrates a safe storage storer of a device for mobile communication among the present invention and an embodiment of controller.

Fig. 5 system is used in a safe storage storer of a device for mobile communication and the calcspar of controller system framework.

Fig. 6 system illustrates the memory organization of safe storage in image pattern 5 systems.

Fig. 7 system illustrates among the present invention the control flow chart of an off-line trading situation in paid service dealer network.

Fig. 8 system illustrates among the present invention the control flow chart of an online transaction situation in paid service dealer network.

Fig. 9 system illustrates among the present invention the control flow chart of another off-line trading situation in paid service dealer network.

Figure 10 system illustrates among the present invention controls transactions process flow diagram between two device for mobile communication of paid service dealer network.

Figure 11 system illustrates among the present invention device for mobile communication to device for mobile communication Stored Value converted transaction, and the control flow chart of deriving that uses these settlement of transactions of a paid service dealer network.

Figure 12 system illustrates about seeing through a series of device for mobile communication and transmits the step of Stored Value and the data structure that is fit to support above-mentioned transmission in similar check mode.

Figure 13 system illustrates and is used for supporting the data structure that Stored Value transmits in device for mobile communication, comprises that similar check transmits, coupon is exchanged and bill is exchanged.

Figure 14 is another system architecture calcspar of the present invention.

Figure 15 system illustrates the data structure of the account database that is used for supporting that Stored Value transmits in the paid service dealer, comprise that similar check transmits, coupon is exchanged and bill is exchanged.

Figure 16 system illustrates the network the paid service dealer, is used for increasing Stored Value to device for mobile communication controls transactions process flow diagram at a shop end points of a retailer.

Figure 17 system illustrates the gold stream of the simple and clear account of debt-credit in Figure 16 transaction.

Figure 18 system illustrates the simple and clear account of debt-credit about Figure 17 gold stream.

Figure 19 system illustrates the gold stream of the simple and clear account of debt-credit in Figure 16 transaction.

Figure 20 system illustrates the simple and clear account of debt-credit about Figure 19 gold stream.

Figure 21 illustrates and sees through a telecommunications service dealer network, value added controls transactions process flow diagram to a device for mobile communication in paid service dealer network.

Figure 22 system illustrates the network the paid service dealer, uses the controls transactions process flow diagram of device for mobile communication paying at retailer's shop terminating machine.

Figure 23 system illustrates the gold stream of the simple and clear account of debt-credit in Figure 22 transaction.

Figure 24 system illustrates the simple and clear account of debt-credit about Figure 23 gold stream.

Figure 25 system illustrates the gold that the substitutes stream of the simple and clear account of debt-credit in Figure 22 transaction.

Figure 26 system illustrates the simple and clear account of debt-credit about Figure 25 gold stream.

[primary clustering symbol description]

11,30,110,111,150,151,152,1402 device for mobile communication

12 sales end point terminal machines

13 reading machines/terminating machine

14 operations server

15 telecommunication interface servers (mobile paying workstation)

16 telecommunications service dealer converters

31 near-end coupling devices

32 telecommunications dealer networks

50 cards

51 integrated circuit

52 wireless communication controllers

53 contact interfaces

54 antennas

60 microcontrollers

61 program code memory

62 data-carrier stores

63 contact Communication Control buffers

64,65 buses

66 instruction buss

71 wireless telecommunications programs

72 access control bits

73 intercept

90,153 " light reading machines " device

91 ticketing system workstations

92 wireless reading machine/terminating machines

95 financial institution's workstations

96 fiscards

100 program code spaces

101 data spaces

102 sections

250 load storehouse

251 deduction storehouses

252 control storehouses

1401 user terminal

1403 entry network sites

1405 virtual shop's servers

1407,1502 paid service dealers

1409 network processes ends

1411 authentication registrations

1413,1500 account database

1415 settlement system operations server

1417 retailer A1

1423 retailer B1

1429 retailer C1

1435,1512 telecommunications operation A

1437,1514 telecommunications operation B

1439 telecommunications operation C

1506 commercial path A

1508 commercial path B

1510 commercial path C

176,181,196,201 user A1 accounts

177,182,197,202 retailer B2 accounts

178,183,198,203 paid service dealer accounts

199,204 paid service dealers' purchase account

236,2506,261 user C1 accounts

237,2507,262 retailer A1 accounts

238,2508,263 paid service dealer accounts

239,2509,264 paid service dealers' purchase account

Embodiment

The description of detailed embodiment of the present invention can be referring to figs. 1 through Figure 26 as a reference.

Fig. 1 system illustrates the basic system architecture that the present invention is used for mobile charging system.It is that configuration is in setting up two independently wireless connections that one device for mobile communication 11 comprises a Stored Value storer, comprise and have one reading machine/connection 20 of terminating machine 13 (comprising), and have connection 21 through a telecommunication interface server 15 of these telecommunications service dealer converter 16 (perhaps alternatively can be a router, computing machine or other electronic installation) as the required resource of a trading terminal.For instance, this device for mobile communication 11 can be a mobile phone, or other hand-held device, PDA, computing machine or other electronic installation.For instance, connecting 20 is to set up the wireless technology of using in conjunction with the short distance of industry standard ISO14443 (being used for guaranteeing that wireless telecommunications approximately between apparatus adjacent).About system described herein, connecting 20 is Stored Value charge or the charge again that is used on this device for mobile communication, and other Secure Transaction, similarly is: be used for managing the program updates that this device is gone up the Stored Value storer.Connecting 21 is to set up telecommunications dealer network and use an agreement (for example: short message service SMS, 802.11b/g, GSM, PHS or other network data transmission agreement).For instance, this installs 11 configurable in connect using short message service (SMS) information, and it has the telecommunication interface server 15 that is connected in these telecommunications service dealer converter 16.This connection 21 is to use to see through this telecommunication interface server 15, transmits transaction record to this operations server 14.In described embodiment, the trading terminal of this reader/terminating machine 13 system is connected to a sales end point terminal machine 12, and it may be implemented in and uses general sales end point terminal machine technology, comprises personal computer, cashing machine or other is similar.In described embodiment, this reading machine/terminating machine 13 comprises the resource of the trading terminal of the mobile charging system that uses embedded OS described herein, and the application program that is stored in safe storage, and it is to be used for avoiding being altered program by retailer or other people that can enter this device.In other embodiments, can integrate this sales end point terminal machine 12, mobile phone or other hand-held device or other electronic installation at the reading machine of this reading machine/terminating machine 13.

In this embodiment, this trading terminal uses embedded OS, and the application program of wireless reading machine/terminating machine 13, sees through the connection 22 with this operations server that moves the charging system framework 14 and sets up communication.

This operations server 14 comprises a database server, an authentication registration and basic operation management server assembly.This management server 14 provides an account system, and its person's of dealing with relationship assets (for example: electronic gift) concentrate on paid service dealer network described herein.This basic operation management server assembly system protects partaker's assets with the high safety measure.The account the building to put and comprise the Stored Value number that book entry mechanism is represented client and retailer of system, and the conversion of the Stored Value between account similarly is the account management in traditional bank account.This operations server 14 is that configuration is operated in the line model with active communication between this operations server 14 and this financial system network, and is operated by the off-line mode of this financial system network outage.In this off-line mode, simulation of the resource of this operations server 14 system or conduct are substituted in the usefulness of the central bank of financial system network, and Stored Value is concluded the business as final clearing mechanism.This operations server 14 also comprises and can be applicable to reexamination or monitor this Stored Value final accounts record, and the account activity that detects deception or alter Stored Value storer on this mobile device, and improves the program that this moves the security of charging system.For instance, for every user, Stored Value final accounts record system is with consistent by the account activity in the Account History of this operations server.Simultaneously, the program on this operations server can be monitored the receipt that these Stored Value final accounts are write down, and transmits Stored Value final accounts with definite each device for mobile communication and is recorded to this operations server in the specific time, and determine that this device ties up to normal operating state.

This telecommunication interface server 15 is set up the communication with this operations server 14 and is connected 23, for example: by the Internet or ADSL or other wired connection.Connecting 22 is to be used in by this trading terminal to transmit transaction record to this operations server 14 (no matter being individual or lot record), and for the golden key exchange of upgrade applications, safe date transaction, with transmit the purpose of borrowing money according to customer transaction to this trading terminal, and transmit data to this trading terminal by this operations server 14.Connecting 23 is to be used in to transmit transaction record to this operations server 14 (no matter being individual or lot record), and this transaction record system is from this device for mobile communication, by using this telecommunications dealer network path, and is received by this telecommunication interface server 15.Connect 23 and also be used in, and then support native system by of the management data transmission of this operations server to this telecommunication interface server 15.

Provide by this telecommunication interface server 15 and this trading terminal at the described framework of Fig. 1 and to transmit transaction record to this operations server 14.Can confirm this transaction from the transaction record in two sources, increase transaction and Stored Value integrality, detect this device for mobile communication and trading terminal alter and other provides the result that checks out of high reliability.

Fig. 2 system illustrates and is connected 22 between this reading machine/terminating

machine

13 and 14 of this operations server.In the embodiment of representative, this connects 22 can set up use so-called virtual private networks (VPN) technology or other safety technique on the Internet, for example: Public Switched Telephone Network (PSTN) can be provided.According to the basic swap between this reading machine/terminating machine 13 and this operations server 14, this is wireless, and reading machine/terminating machine 13 passes on a collection of transaction record to this operations server 14, the clearing that replace at set intervals or do according to the requirement of this trading server.

If have a device for mobile communication to see through this wireless reading machine/terminating machine 13, and require the online Stored Value again of retailer's Stored Value, this is wireless, and reading machine/terminating machine 13 passes on that Stored Value requirement again to this operations server 14 authenticates.This is wireless, and reading machine/terminating machine 13 perhaps can allow off-line Stored Value again.In this embodiment, this off-line again Stored Value system need not be connected to this operations server 14 and can finish authentication.This transaction system relies on the credit between each device for mobile communication possessor and retailer.And the retailer may be dependent on the resource that credit card network or other confirmation letter are used.

See through being connected between this operations server 14 and individual radio reading machine/terminating machine (terminating machine 13), this operations server 14 can be in upgrade applications on this individual's reading machine/terminating machine and this device for mobile communication, use this reading machine/terminating machine to come more new data, coupon in comprising between disposal cost, specific bargain goods price, given period or the like.In addition, carry out off-line trading under these operations server 14 online situations safe in utilization, can borrow money to this reading machine/terminating machine.

According to structure of the present invention, this operations server 14 can be distinguished each retailer and each trading terminal 13, and implement different application, different pieces of information and the quota of Stored Value again, in execution, can support other terminating machine particular demands simultaneously to mobile payment transaction.In addition, this system can handle the roaming of this device for mobile communication 11.Particularly exist, when this device for mobile communication 11 moves to terminating machine by terminating machine, this operations server can be followed the trail of this device, and provide correct application program or special device other required data in transaction, and utilize the exchange rate of region parameter like this as each transaction of using a special device for mobile communication.

Fig. 3 system illustrates the fundamental characteristics of employed device for mobile communication under framework of the present invention.This device for mobile communication 30 comprises a communication device that can connect under two independent media, comprise a telecommunications dealer network 32 and a contiguous medium of communication, (for example: a near-end coupling device 31 (PCD) that meets industry standard ISO 14443 smart card techniques) comprise a wireless medium.This device for mobile communication can be a standard mobile phone, one personal digital assistant or can be comprises other mobile communication technology of a controller and safe storage (supporting influence the transaction of data storing at a safe storage, and this safe storage is to be used in two independent media of the present invention).This device for mobile communication 30 is configurable in a subscriber identification module (SIM), and compatibility is ordered and program is also observed this industry standard SIM application development instrument (3GPP TS02.17: subscriber identification module (SIM) functional character) be published in third generation cooperative programme (3GPP).

Fig. 4 system illustrates and is applicable to that a device for mobile communication (for example: controller mobile phone) and the embodiment of safe storage.In the embodiment of Fig. 4, an integrated circuit 51 that comprises a processor and safe storage is to be embedded on the card 50, and this card is compatible with industry standard subscriber identification module (SIM) card.This card 50 comprises contact interface 53, establishing criteria ISO 7816 particularly in the present embodiment, and design meets a SIM card slot of this phone 30.Except this contact interface 53, integrated circuit 51 is coupled to a wireless communication controller 52, and wireless communication controller 52 is coupled to an antenna 54, to connect according to industry standard ISO

This near-end coupling device 31 of 14443.In the embodiment of present technique, integrated circuit 51 comprises all system components on one chip, includes this wireless communication controller 52.In other embodiments, integrated circuit 51 be by one for controller, separate storage chip, and other implement a controller and the required support Circuits System of safe storage of mobile charging system in the present invention.

Fig. 5 system illustrates in the present invention and is applicable to a controller of a device for mobile communication and the basic calcspar of safe storage at this integrated circuit 51.This integrated circuit 51 comprises a microcontroller 60.This microcontroller 60 is the access control bits 72 that is coupled to data-carrier store 62 by contact Communication Control buffer 63.This microcontroller 60 is to be coupled to a program code memory 61 by instruction bus 66.This microcontroller 60 is also to be coupled in this data-carrier store 62 square 73 with the access secure data by bus 64.This microcontroller 60 provide address sequencing on bus 65 to this program code memory 61.This program code memory 61 stores a contact communication program 70, and it is managed to reach data storing with the management communication that contacts of regional device for mobile communication through this card.But in this communications protocol of program access of this program code memory, and this communications protocol system uses a communication path by this contact communication program 70 through this telecommunications dealer network.Simultaneously, this program code memory 61 stores a wireless telecommunications program 71, and it is to come management communication to reach the data storing management through the wireless module on this card.But this communications protocol of program access in program code memory is connected with this trading terminal and see through wireless telecommunications program 71.Therefore, this microprocessor comprise contact I/O terminating machine a port 76 on this card, be used in a port 77 of these contact port 76 1 clock signals and be used for a port 78 in this radio physical bed device driving.

Fig. 6 system illustrates a memory organization and is applicable to this integrated circuit that moves the paying controller 51.This memory organization comprises a program code space 100 that stores computer program, wherein part is injected the thesaurus (thesaurus 0 is to a thesaurus 4 and a general areas) of several the disposable programmable ROM (read-only memory) (OTPROM) that can not be changed by the user, and part system can more be changed under the New Deal program safe in utilization in this operations server and/or a trading terminal.For instance, in one embodiment, this more dynamic program system be stored in (thesaurus 5 is to thesaurus 6) in the flash ROM.This memory organization also comprises a data space 101, and it comprises EEPROM (Electrically Erasable Programmable Read Only Memo) (EEPROM) (thesaurus 0 is to thesaurus 1) and comprises the A type safe storage agreement that a section 102 is allocated in industry standard ISO 14443.

Fig. 7 system illustrates the representational control flow of an off-line trading of being bought commodity or service by a retailer, comprise step 1.0 to 7.0 in a device for mobile communication 11 and retailer and corresponding system management, about at framework shown in Figure 1 with a trading terminal 13.Each step is explained as follows:

1.0-telecommunications dealer's network and mobile paying workstation1 5 utilize this device for mobile communication 11 to carry out that Stored Value is set up in a message exchange in this device for mobile communication or by storing the first stroke Stored Value or increasing Stored Value.

2.0-this terminating machine at retailer's end comprises a near-end coupling device 13, and an inner exchanging of this device for mobile communication 11, this Stored Value ties up in this device for mobile communication and deducts, and is converted to the trading terminal of concluding the business with the retailer.

3.1-this this device for mobile communication 11 transmits a transaction record, is via this telecommunications dealer network, and this mobile paying workstation1 5 that uses an information protocol on this telecommunications dealer network.

3.2-this trading terminal transmits the transaction record to concluding the business, and generally is with a collection of transaction record, to this operations server 14.

4.1-this mobile paying workstation and telecommunications dealer network can be handled this transaction record under a bill system, and with this device for mobile communication 11 in the Stored Value consumer charge of establishment step 1.0.

4.2-this operations server 14 is handled this transaction record, is sent to operations server in step 3.2 by this trading terminal.

5.0-this mobile paying workstation transmits this transaction record that is based upon transaction in the step 2.0, generally is with a collection of transaction record, to this data server of this operations server and workstation1 4.

6.0-this operations server 14 will be followed the record of these trading terminal 13 receptions and compare via the record of this

telecommunications dealer network

16 and 5 receptions of mobile paying workstation1.If these records are consistent, and authentification of user and the suitable execution of other authentication, these operations server 14 use account systems transmit this Stored Value to this account payee from this paying person's account then, to settle accounts this transaction.

The up-to-date golden key exchange of safety during 7.0-these operations server 14 upgrade applications, maintenance safe data transmit, on this trading terminal 13 Stored Value gathering and payment, download the employed upgrade data of this trading terminal.

Fig. 8 system illustrates this paid service network in the present invention, uses this device for mobile communication access one on-line system at the online transaction user, peddles from the amusement admission ticket and serves the retailer and obtain Stored Value.This situation comprises and moves the paying framework and be replaced into one " light reading machine " device 90 at the trading terminal of Fig. 1 and be fit to be used for using type desktop PC on the table, comprise the near-end coupling device with device for mobile communication wireless telecommunications, and wired or wireless this personal computer or other host-processor of being connected to." light reading machine " in this technology implementation example device 90 also comprises and is used for the credit card on contact basis or a reading machine of transferred account card, for example a magnetic stripe readers or similar device." light reading machine " device 90 can be applicable to that the individual uses or many people use activity by this device for mobile communication pedestal.This operations server 14 is suitable for supporting in the same manner this " light reading machine " device 90, and it is supported in this trading terminal in the system of Fig. 1.This operations server 14 is suitable for getting in touch the third party in addition, for example a ticketing system workstation 91.In the present embodiment, this ticketing system workstation 91 is an amusement ticketing service retailer, though its interface that is operable as any kind commodity or serves the retailer.(for example: a public place of entertainment) configuration one wireless reading machine/terminating machine 92 similarly is Fig. 1 trading terminal 13 is exchanged these tickets volumes in this place one retailer.

In some embodiment of native system, this operations server system is suitable for being presented in a website and sets the access that unique entry network site is accepted the retailer, for example this ticketing system workstation 91.The website that this device for mobile communication 11 is more suitable for this operations server of access to be presented sees through this entry network site and show the interactive interface of finishing transaction with these retailers on this device for mobile communication.The entry network site that this website provides can be managed via this operations server 14, or via other website service known to the known techniques.

With the representative control flow of 91 transaction of this ticketing system workstation or correlation step as shown in Figure 8.Each step is described below:

1.0-being connected with this website, this device for mobile communication 11 represent this paid service dealer: this ticketing system workstation 91 with entry network site, for example as the retailer.

2.0-entry network site change user's the retailer system that is connected to this ticketing system workstation 91, and these resources can allow user to buy amusement ticket volume through this ticketing system workstation

3.0-this ticketing system workstation 91 is sent the ticket volume of data represented this purchase of Stored Value back to, related transaction record is to this operations server 14.

4.0-on behalf of the Stored Value data of this ticket volume, this operations server transmission install 90 to this device for mobile communication 11 by being somebody's turn to do " light reader ", and it is stored for using afterwards.

5.0-exchanging with 90 interactions of this " light reader " device, the Stored Value on this device for mobile communication 11 is to withhold according to the transaction of buying this ticket volume.

6.0-should " light reader " device 90 transmit these transaction records to this operations server 14, then transmit Stored Value to ticketing system retailer account in the account system of this operations server by user's account.

7.0-this operations server 14 transmits this transaction record, generally is with a collection of transaction record, to the terminating machine 92 of retailer's end.

8.0-the user brings to the trading terminal 92 of retailer end with this device for mobile communication 11, and enables this ticket volume entering this incident on this device for mobile communication, otherwise redeems the Stored Value of having bought via the entry network site that is operated server 14 operations.

Fig. 9 system illustrates the dealer of this paid service of another online transaction in the present invention network support, and user access one on-line system obtains Stored Value from the network ATM (Automatic Teller Machine) by bank or other financial institution at spider lines.A server is the part of financial transaction network in this embodiment, and for example network ATM (Automatic Teller Machine) workstation 95 is to be connected in this operations server 14.Should also comprise the resource that reads in magnetic stripe on the fiscard 96 by " light reading machine " device 90, for example: by the credit card or the transferred account card of issued by banks.This workstation 95 is by the bank of this card of representative distribution, by bank itself or operated by relevant financial institution.

With the representative control flow of 91 transaction of this ATM (Automatic Teller Machine) workstation or correlation step as shown in Figure 9.Each step is described below:

1.0-being connected with this website, this device for mobile communication 11 represent this paid service dealer: this automatic teller machine (ATM) system workstation 91 with entry network site, for example as financial institution.

2.0-operations server entry network site change user is connected to by representing this financial institution's workstation 95.This paid service dealer operates this operations server 14 and safeguards that this financial institution's account is to be supported in the money exchange between user's hold account and this paid service dealer.

3.0-the user inserts this fiscard 96 to this " light reading machine " device 90, and carries out necessary authentication processing.

4.0-operate this website by this workstation 95, the user indicates financial sector by the paid service dealer account of user account exchange money to financial institutions' management of being correlated with by this workstation 95.

Indicate this exchange to finish 5.0-bank returns an information to this operations server, and account system's increase user Stored Value surplus is given paying service sector person network.

6.0-operations server 14 transmits by user account through the Stored Value data of " light reading machine " device deduction to this device for mobile communication, and its be stored for after use.

Figure 10 system illustrates the financial transaction framework that transmits Stored Value between device for mobile communication of the present invention each other.Therefore, by the payer held one first device for mobile communication 110 and connect by 111 of one second device for mobile communication that the payee held, see through the near-end coupling directly to support between these devices or by other access path, or use telecommunications dealer network.Control flow is represented in device for mobile communication 110 and 111 s' transaction, as shown in Figure 9.Each step is described below:

1.0-device for mobile communication 110 is connected with device for mobile communication 111 sets up with eCheck or coupon, or be connected to this payee's device for mobile communication 111 by the Stored Value exchange of the previous forms of buying such as ticket volume of payer, similarly be the resource of industry standard SIM application development instrument and use.

2.1-the numerical value that is about to be transmitted can be deducted by the Stored Value surplus system at payer's device for mobile communication 110, and information with check characteristics such as comprising payer's signature and transmission numerical value, or have the endorsement coupon or comprise sign ticket volume of payer, electronic cut-rate or the ticket volume of arranging in pairs or groups transmits.

2.2-the payer transmits eCheck or endorses the device for mobile communication of coupon to this payee.

3.0-payee's device for mobile communication 111 stores a control surplus of this eCheck or endorsement coupon conduct Stored Value storer on device 111.Can not exchange this check or coupon this step payee.Person more, this control surplus must be certified when exchanging with this operations server, for example: by the exchange situation described in Figure 11.

4.0-payee's device for mobile communication 111 can be carried out similar transaction with other device for mobile communication, between device mobile electron check or endorsement coupon assorter essential Autograph Session endorse allow in the future check or the redemption of coupon.

Figure 11 system illustrates the extension of Figure 10 financial transaction framework, and Stored Value conversion between a plurality of device for mobile communication is described, and uses paid service dealer network to exchange the conversion Stored Value under off-line mode.In Figure 11 framework, with this first device for mobile communication 150 as an initial payment.One second device for mobile communication 151 (payee A).Device for mobile communication afterwards is a series of final device for mobile communication 152 (payee Z) that are connected to each other.Each device for mobile communication 150-152 comprises airborne resource with as the Stored Value device, reaches the trading terminal that uses the near-end coupling device, or other mechanics of communication is come the Stored Value between conversion equipment and device.Comprise one " light reading machine " device 153 at the framework shown in Figure 11, or other has the trading terminal that is connected with the operations server communication.By the representative control flow of mobile Stored Value and settlement bargain between device and device, as shown in figure 11.Each step is described below:

1.0-use a series of flow process, as described in Figure 10, the device for mobile communication 150 that the payer held changed the device for mobile communication 151 that Stored Values are held to payee A.

2.0-payee's device for mobile communication that A holds 151 is changed this Stored Value to next device for mobile communication in a kind of similar check mode, comprise the endorsement of this payer's signature and payee A, arrive the final device for mobile communication that payee Z is held up to this Stored Value.

3.0-payee Z uses device for mobile communication 152 to use wireless connections to be connected to this " light reading machine " device 153, for instance, see through available connection by this operations server 14 and use " light reading machine " device 153, represent Stored Value with endorsement to be presented in the whole process the necessary signature of all payers.

4.0-operations server 14 management is moved the account of this Stored Value by the original payment people to each payee in whole process, enter final payee's account up to this Stored Value.

Should " light reading machine " install 153 to the payee Z device for mobile communication of being held 5.0-see through, operations server 14 convertible these Stored Values, or otherwise let pass by the Stored Value of control.

Figure 12 system illustrates an exemplary steps of the Stored Value conversion of similar check form.In the present embodiment, according to step shown in Figure 12, each device for mobile communication has a data structure that comprises three kinds of instruction storehouses (load storehouse 250, deduction storehouse 251, reach control storehouse 252).This loading storehouse 250 stores specifies the Stored Value that is used for loading Stored Value or increase device.This deduction storehouse 251 Stored Values instruction is used for deducting the Stored Value of device.The instruction of control storehouse 252 Stored Values is used for confirming that control is converted to the access of the Stored Value of this device before this operations server of conversion or other authentication service.Certainly can use multiple other data organization.The representative control flow of mobile Stored Value and settlement bargain between device and device, as shown in figure 12.Each step is described below:

1.1-send the payer that this similar check is carried out, carry out-withhold instruction at deduction storehouse 251, and on its control storehouse 252, carry out credit instruction.

1.2-then, the payer changes an electronic certificate to payee A and be engaged in its control storehouse 252 and load the instruction of withholing.Response to this conversion is payee A loads a correspondence at control storehouse 252 credit instruction.

2.1-payee A changes an electronic certificate and loads the instruction of withholing to payee B and at its control storehouse 252.Response to this conversion is payee B loads a correspondence at control storehouse 252 credit instruction.

3.1-payee B changes an electronic certificate and loads the instruction of withholing to payee C and at its control storehouse 252.Response to this conversion is payee C loads a correspondence at control storehouse 252 credit instruction.

4.1-payee C changes an electronic certificate and loads the instruction of withholing to payee Z and at its control storehouse 252.Response to this conversion is payee Z loads a correspondence at control storehouse 252 credit instruction.

Payee Z sees through one " light reading machine " device 153 and is connected with this operations server, or other trading terminal with communication connection is connected with this server 14, also can use entry network site or other, and the electronic certificate that is presented on the similar check that has each device for mobile communication signature in the whole process, finish " paying ".Come its proof and authentication response to some extent with operations server, the device for mobile communication of being held by payee Z sends the instruction of withholing on its control storehouse 252, and loads the credit that storehouse sends a correspondence at it and instruct.Accounting program clearing payer and final account payee are to finish this transaction on operations server.

Figure 13 system illustrates and maintains device for mobile communication and safe storage and be used for the data structure combination of representative of follow-up mechanism Stored Value.The data structure of each device for mobile communication be included in loading storehouse 250 described in Figure 12, deduction storehouse 251, and control storehouse 252 with on device, preserve the dependent instruction that loads Stored Value, deduction Stored Value and control Stored Value.About loading storehouse 250 is one to load record 255, and it is preserved by the record that loads storehouse 250 execution commands, to reach tracking, reservation record, debug, and the usefulness of Stored Value affirmation.In the same manner, deduction record 256 is to be stored in the deduction storehouse.252 in control storehouse contains not control record of control record office, and it keeps respectively by control storehouse 252 execution command records, and control is converted to the third party by other operations server or system or other blocks pending mobile Stored Value.

Figure 14 system illustrates the calcspar of another system architecture in the present invention.One has the customer transaction platform of device for mobile communication 1402, and it comprises airborne resource as a Stored Value device.User terminal 1401 has a network that is connected with entry network site 1403.Device for mobile communication 1402 sees through user terminal 1401 and is wirelessly connected to this entry network site 1403.Alternatively, in conjunction with the part of this user terminal 1401, be connected to this entry network site 1403 then as this device for mobile communication 1402.See through entry network site 1403, device for mobile communication 1402 is carried out transaction with virtual shop's server.By with being connected of paid service dealer 1407, entry network site 1403 can promote the account clearing with virtual shop's server 1405.This device for mobile communication also can be carried out transaction with the retailer of different commercial paths, and issues electronic money in each commercial path.Paid service dealer 1407 also generally uses for a plurality of commercial paths by various device for mobile communication distribution electronic money.Commercial path A comprises retailer A11417 at least.Commercial path B comprises retailer B11423 at least.Commercial path C comprises retailer C11429 at least.Device for mobile communication 1421 begins a transaction by shop terminating machine 1419 and retailer A11417 wireless mode.Device for mobile communication 1421 begins a transaction by shop terminating machine 1419 and retailer A11417 wireless mode.Device for mobile communication 1427 begins a transaction by shop terminating machine 1425 and retailer B 11423 wireless modes.Device for mobile communication 1433 begins a transaction by shop terminating machine 1431 and retailer C11429 wireless mode.And these also carry out the account clearing by being connected with paid service dealer 1407 with the transaction of the commercial path of entity.In paid service dealer 1407,1409 at network processes end connects paid service dealer 1407 authentication registration 1411, entry network site 1403 and retailer's shop terminating machine in commercial path.In paid service dealer 1407, carry out the account clearing by connecting authentication registration 1411 account database 1413 and settlement system operations server 1415.Simultaneously, with paid service dealer 1407 account database 1413, with the Stored Value unification on the device for mobile communication.Each user's device for mobile communication can be received to periodicity the transaction record summary, for example from telecommunications operation A1435 and telecommunications operation B 1439.Telecommunications operation A 1435 has a bill system 1437 and telecommunications operation B 1439 has a bill system 1441, and be connected with settlement system operations server 1415 to quicken the device for mobile communication user and enter an item of expenditure in the accounts, similarly be each telecommunications service dealer's (or network is served the dealer) regular telephone bill or network service bill.And the user of each device for mobile communication has the account number relevant with the device for mobile communication telephone number, or device for mobile communication user's physical address.

Figure 15 system illustrates by a paid service dealer and supports to change stored value accounts data of database structure, comprises similar check conversion, coupon exchange and ticket volume and exchanges.The account, database 1500 was an example of the account database 1413 of Figure 14.Account database 1500 is supported a plurality of families, for example: paid service dealer 1502 accounts, and paid service dealer 1504 purchase account.For the different electronic money of supporting to be issued by a plurality of commercial path, the commercial path of account database 1500 foundations is with retailer's account classification.For instance, with retailer A1, A2 ... the extremely commercial path A of the account classification of An 1506 number of the account groups.With retailer B1, B2 ... the extremely commercial path B of the account classification of Bn 1508 number of the account groups.With retailer C1, C2 ... the extremely commercial path A of the account classification of Cn 1510 number of the account groups.In order to support device for mobile communication subscriber's account system, account database 1500 is served the dealer according to telecommunications operation person or network the user is classified.For instance, with user A1, A2 ... An is classified to telecommunications operation person A 1512 accounts.With user B 1, B2 ... Bn is classified to telecommunications operation person B 1514 accounts.Therefore, each account group represents a kind of data type of difference in this account data structure.

Figure 16 system illustrates between device for mobile communication user A1, retailer B2, telecommunications operation person A and paid service dealer settlement system, increases the paid service dealer network control process flow diagram of the transaction of Stored Value to a device for mobile communication at retailer's shop terminating machine.Retailer B2 includes a sales counter and a shop terminating machine, and each step is explained as follows:

161-device for mobile communication user A1 requires value added 300 points of retailer B2.

162-mobile communication user A1 pays retailer B2.

Value added 300 points of 163-(being issued by the commercial path B under the retailer B2 is electronic money) are to the mobile device of mobile communication user A1.

The shop terminating machine of 164-retailer B2 sends transaction record to paid service dealer settlement system.

165-sends transaction record to telecommunications operation person A, for example by device for mobile communication user A1: by short message service.

166.1-transaction record transfers to paid service dealer settlement system by telecommunications operation person A.

166.2-bad debt trade wind danger inventory (for example: the mobile communication user account that deception maybe may be deceived) be updated to paid service dealer settlement system by telecommunications operation person A.

167-paid service dealer settlement system is carried out and is confirmed, determines whether the transaction record of checking telecommunications operation person A server is consistent with the transaction record of retailer B2.If meet, carry out subsequent step.Do not meeting, then pin the Stored Value " wallet " in mobile device, and device for mobile communication user A1 is touched to carry out data correcting, and if untie mobile device and find not to be the words of deception situation.

168-paid service dealer settlement system produces one group of this exclusive sequence number record of 300 of arranging in pairs or groups.

169-paid service dealer settlement system writes down the exclusive sequence number of 300 of this electronic money, and carries out bookkeeping and accounting procedure, for example: in the program of Figure 17 to Figure 20.

In another embodiment, the user can see through communication network or WLAN and is connected to the Internet and carries out value added to a device for mobile communication.

Figure 17 system illustrates the gold stream of the simple and clear account of debt-credit in Figure 16 transaction, wherein includes device for mobile communication user A1 account 176, retailer B2 account 177 and paid service dealer account 178.Each step is explained as follows:

171-paid service dealer settlement system is lent paid service dealer account electronic money 300 points, and borrows and give the identical Stored Value of retailer B2 account.

172-paid service dealer settlement system is bought the equivalent electronic money of being issued by commercial path B with commercial path B.In the present example, be to adopt 1: 1 ratio, that is be identical 300 Stored Values at debtor and creditor as shown.

173-paid service dealer settlement system is lent electronic money 300 points of the commercial path B of retailer B2 account, and borrows and give the identical Stored Value of device for mobile communication user A1 account.

Figure 18 system illustrates the simple and clear account of debt-credit about Figure 17 gold stream.The account 181 of device for mobile communication user A1 only has 300 credit, and the final surplus that promptly has at 300 is borrowed volume.The account 182 of retailer B2 has 300 credit and 300 debit, and promptly final surplus is 0 point.Paid service dealer's account 183 only has 300 debit, promptly has 300 final surplus debit.In one embodiment, do not show, see through the bill system that telecommunications service dealer or network are served the dealer at last, repay to paying service sector person by device for mobile communication user A1 at this.

Figure 19 system illustrates the gold stream of the simple and clear account of debt-credit in Figure 16 transaction, wherein includes device for mobile communication user A1 account 196, retailer B2 account 197, paid service dealer account 198 and paid service dealer's purchase account 199.Each step is explained as follows:

191-paid service dealer settlement system is lent paid service dealer account electronic money 300 points, and borrows the identical Stored Value of purchase account of giving paying service sector person.

192-paid service dealer settlement system is initiated a flow process and is bought the equivalent electronic money of being issued by commercial path B.In the present example, be to adopt 1: 1 ratio, that is be identical 300 Stored Values at debtor and creditor as shown.

193-paid service dealer settlement system is lent paid service dealer's purchase account, by electronic money 300 points of commercial path B distribution, and borrows and gives the identical Stored Value of retailer B2.

194-paid service dealer settlement system is lent electronic money 300 points of the commercial path B of retailer B2 account, and borrows and give the identical Stored Value of device for mobile communication user A1 account.

Figure 20 system illustrates the simple and clear account of debt-credit about Figure 19 gold stream.The account 201 of device for mobile communication user A1 only has 300 loan volume, and the final surplus that promptly has at 300 is borrowed volume.The account 202 of retailer B2 has 300 loan volume and 300 debit, and promptly final surplus is 0 point.Paid service dealer's account 203 only has 300 debit, promptly has 300 final surplus debit.Paid service dealer's purchase account 204 has 300 loan volume and 300 debit, and promptly final surplus is 0 point.In one embodiment, do not show, see through the bill system that telecommunications service dealer or network are served the dealer at last, repay to paying service sector person by device for mobile communication user A1 at this.

Figure 21 illustrates and sees through a telecommunications service dealer network, between device for mobile communication user B1 telecommunications operation person B and paid service dealer settlement system, and value added controls transactions process flow diagram in paid service dealer network to a device for mobile communication.This telecommunications operation person B comprises a short message service (SMS) center, an authentication center and a bill system.Each step is explained as follows:

211-device for mobile communication user B1 requires telecommunications operation person B to increase by 500 Stored Values via short message service (SMS).

Short message service (SMS) center of 212-telecommunications operation person B requires authentication to increase by 500 points from the authentication center of telecommunications operation person B.

213.1-this requirement is confirmed as effectively through the authentication center of telecommunications operation person B, this transaction transfers to the bill system of telecommunications operation person B.

213.2-this requirement is confirmed as effectively through the authentication center of telecommunications operation person B, then the short message service of telecommunications operation person C (SMS) center by message reply to device for mobile communication user B1, to increase by 500 mobile devices to device for mobile communication user B1.

214.1-the bill system of telecommunications operation person B passes on this transaction and is recorded to paid service dealer settlement system.

214.2-bad debt trade wind danger inventory (for example: the mobile communication user account that deception maybe may be deceived) by the bill system update of telecommunications operation person B to paid service dealer settlement system.

215-paid service dealer settlement system produces 500 of electronic money are issued in one group of collocation by the paid service dealer exclusive sequence number record.

216-paid service dealer settlement system writes down the exclusive sequence number of this electronic money, and carries out follow-up bookkeeping and accounting procedure, makes the paid service dealer directly borrow and gives user B1 500 points.

Figure 22 system illustrates between device for mobile communication user C1, retailer A1, telecommunications operation person C and paid service dealer settlement system, increases the paid service dealer network control process flow diagram of Stored Value to the transaction of-device for mobile communication at retailer's shop terminating machine.Retailer A1 includes a sales counter and a shop terminating machine, and each step is explained as follows:

221-device for mobile communication user C1 checks that the result still has Stored Value 1000 points in mobile device electronic wallet surplus.

222-mobile communication user C1 uses mobile device to pay 200 of purchase points and gives retailer A1.

223-deducts electronic money 200 points that the paid service dealer is issued via the terminating machine of retailer A1 from the stored value card of mobile device.

The shop terminating machine of 224-retailer A1 sends transaction record to paid service dealer settlement system.

225-sends transaction record to telecommunications operation person C by device for mobile communication user C1 by short message service.

226.1-transaction record transfers to paid service dealer settlement system by the bill system of telecommunications operation person C.

226.2-bad debt trade wind danger inventory (for example: the mobile communication user account that deception maybe may be deceived) by the bill system update of telecommunications operation person C to paid service dealer settlement system.

227-paid service dealer settlement system is carried out and is confirmed, determines whether the transaction record of checking telecommunications operation person C server is consistent with the transaction record of retailer A1.If meet, carry out subsequent step.Do not meeting, then pin the Stored Value " wallet " in mobile device, and device for mobile communication user C 1 need carry out data correcting, and untie the possible deception situation of mobile device.

228-paid service dealer settlement system produces the exclusive sequence number record of 200 of one group of collocation electronic money.

229-paid service dealer settlement system writes down the exclusive sequence number of this electronic money, and carries out bookkeeping and accounting procedure, for example: in the program of Figure 23 to Figure 26.

Figure 23 system illustrates the gold stream of the simple and clear account of debt-credit in Figure 22 transaction, wherein includes device for mobile communication user C1 account 236, retailer A1 account 237, paid service dealer account 238 and paid service dealer's purchase account 239.Each step is explained as follows:

231-hypothesis user C1 has on 1000 device for mobile communication of Stored Value, and paid service dealer settlement system is lent device for mobile communication user C1 account, 200 points of being issued by the paid service dealer, and borrow and give the identical Stored Value of retailer A1 account.

232-paid service dealer settlement system is lent retailer A1 account, by electronic money 200 points of paid service dealer distribution, and borrows and gives the identical Stored Value of paying service sector person account.

233-paid service dealer settlement system is initiated a flow process and is bought the equivalent electronic money of being issued by commercial path A.In the present example, be to adopt 1: 1 ratio, that is as shown, be identical 200 points the debit and the credit side of paid service dealer's purchase account 239 of paid service dealer account 238.

234-paid service dealer settlement system is lent electronic money 200 points of commercial path A by paid service dealer's purchase account, and borrows and give the identical Stored Value of retailer A1.

235-paid service dealer settlement system is paid the paid service dealer from the account of retailer A1 and is bought account, and electronic money 200 points of commercial path A are to finish this transaction.

Figure 24 system illustrates the simple and clear account of debt-credit about Figure 23 gold stream.The account 241 of device for mobile communication user C1 has 1000 loan volume and 200 debit, and the final surplus that promptly has at 800 is borrowed volume.The account 242 of retailer A1 has two 200 loan volume and two 200 debit, and promptly final surplus is 0 point.Paid service dealer's account 243 has 200 loan volume and 1000 debit, promptly has 800 final surplus debit.Paid service dealer's purchase account 244 has 200 loan volume and 200 debit, and promptly final surplus is 0 point.Do not show that at this previous device for mobile communication user C1 has bought electronic money 1000 points of being issued by the paid service dealer.

Figure 25 system illustrates the gold that the substitutes stream of the simple and clear account of debt-credit in Figure 22 transaction, wherein includes device for mobile communication user C1 account 2506, retailer A1 account 2507, paid service dealer account 2508 and paid service dealer's purchase account 2509.Each step is explained as follows:

2501-hypothesis user C1 has on 1000 device for mobile communication of Stored Value, and paid service dealer settlement system is lent device for mobile communication user C1 account, 200 points of being issued by commercial path A, and borrow and give the identical Stored Value of retailer A1 account.

2502-paid service dealer settlement system is lent electronic money 200 points that commercial path A is issued by retailer A1 account, and borrows and buy account for paying service sector person.

2503-paid service dealer settlement system is initiated a flow process and is bought the equivalent electronic money of being issued by the paid service dealer.In the present example, be to adopt 1: 1 ratio, that is as shown, the credit side who buys account 2509 the paid service dealer is identical 200 points with the debit of paid service dealer's purchase account 2509.

2504-paid service dealer settlement system from account pay the paid service dealer account, paid service dealer's electronic money 200 points are to finish this transaction.

Figure 26 system illustrates the simple and clear account of debt-credit about Figure 25 gold stream.The account 261 of device for mobile communication user C1 has 1000 loan volume and 200 debit, and the final surplus that promptly has at 800 is borrowed volume.The account 262 of retailer A1 has 200 loan volume and 200 debit, and promptly final surplus is 0 point.Paid service dealer's account 263 has 200 loan volume and 1000 debit, promptly has 800 final surplus debit.Paid service dealer's purchase account 264 has 200 loan volume and 200 debit, and promptly final surplus is 0 point.Do not show that at this previous device for mobile communication user C1 has bought electronic money 1000 points of being issued by the paid service dealer.

Described in the present invention device for mobile communication can be by the electronic ticket volume switch procedure (for example: device signature and endorsement) of sufficient data-switching between traceable device, and maintenance support confirms to authorize and to exchange the data structure and the attended operation server of step, and then the Stored Value translation function of authorizing or exchanging similar check.

In general, provide an operations server 14 that is positioned at this paid service dealer system core at framework of the present invention.These operations server 14 management one person's of dealing with relationship of account system assets comprise electric gift certificate, eCheck, electronic cut-rate, electronic ticket volume etc., also include the high safety strategy in account management programs.Native system can be operated under line model or off-line mode.In off-line mode, the account system emulation in this operations server 14 is central bank's structure, similarly is Federal Reserve, and as the final clearing mechanism of Stored Value (for example electronics gift volume, eCheck or electronic cut-rate).Therefore, under the situation of off-line, playing the part of the role of bank, writing down every transaction in account book at the trading terminal of retailer end, and transmit termly a collection of conclude the business to operations server 14 as clearing every day.Operations server 14 also keeps account for each device for mobile communication possessor.So, system clearing can guarantee that Stored Value suitably moves (comprising retailer's account and personal account) between account finishing, and keep the balance between debt-credit in during certain.Termly, similarly be the account clearance of every day, system moves the money of buying between account and handles specific transaction.For instance, operations server can be operated the flow process of keeping the Stored Value ledgers, and to the All Activity batch final ledgers of settling accounts of ground balance.

When online transaction, use can be cleared the online protocol of retailer's account and personal account and be come managing transaction, startup account to move and finish settlement process.The clearing state of retailer's account and personal account can be settled accounts on transaction existing device at that time like this.

According to the framework of embodiment of the present invention, operations server uses one second factor to increase the fiduciary level of settlement process.Therefore framework used in the present invention is supported in to transmit between trading terminal and operations server between the safety factor that produces and telecommunications dealer network and operations server and transmits the safety factor that produces, to confirm every transaction.Under these circumstances, the representative of operations server framework has transaction and correct consistance of settlement of transactions and integrality high safety system.In addition, this operations server uses two kinds of paths to confirm to monitor the possibility of altering of stored value accounts on mobile phone.

The present invention is the framework that perfects of integrating online and off-line trading, and unconventional prepayment, off-line stored value systems.In technology of the present invention, comprise a central clearing mechanism, and it can be used between the device for mobile communication and device for mobile communication and retailer between the transmission Stored Value, and more flexibly support various situation.In addition, native system can see through various communication paths, fixed point can be connected with operations server and device for mobile communication as the Stored Value device between derivative use.

Device for mobile communication of the present invention can use the long-range radio at telecommunications dealer network, and uses the short range radio of near-end coupling technique to set up the independent channel that is connected with operations server, and transaction and the application of supporting multiple Stored Value exchange.The support of this framework is used at firm, two key element securities of long-range and short distance communication channel stored value accounts with the protection client in addition.

Paying framework of the present invention is served between dealer and paid service dealer at different commercial path, telecommunications operation person, network, supports multiple electronic money.It among above-mentioned a plurality of embodiment 1: 1 ratio.Serve at commercial path, telecommunications operation person, network and to see through different contract fee agreements between dealer and the paid service dealer, the present invention also supports to be different from 1: 1 ratio.Transaction operations server is automatically handled and is served the dealer at the commercial path of difference, telecommunications operation person, network and issue the exchange through money flow process of propping up various currency with the paid service dealer.In view of the above, on device for mobile communication, increase Stored Value with the electronic money that an enterprise is issued, and use this Stored Value and the enterprise of another electronic money of distribution to carry out transaction by the permission user.

Disclosed preferred embodiment of the present invention and example system are understandable that these embodiment do not limit the scope of the invention as a reference.And have the knack of the personage of this skill, and can correct and combination according to these embodiment, however these are revised and combine the content that spirit and claim contained that can't deviate from the present invention.

Claims

1, a kind of transaction operations server is handled the method for transaction record at particular transaction, it is initial and between a device for mobile communication and a trading terminal by wireless telecommunications institutes at least partially, this device for mobile communication has a Stored Value, this Stored Value is represented by the data on this device for mobile communication, it is characterized in that this method comprises:

Respond this particular transaction, it changes by this represented Stored Value of the data on this device for mobile communication according to this particular transaction, and initial by the institute of the wireless telecommunications between this device for mobile communication and this trading terminal at least partially:

2, method according to claim 1 is characterized in that, this particular transaction increases or reduces by this represented Stored Value of the data on this device for mobile communication.

3, method according to claim 1 is characterized in that, this first communication path comprises according to a protocol-compliant in the communication of an industry standard short message service agreement.

4, method according to claim 1 is characterized in that, this second communication path comprises according to a protocol-compliant in the communication or a Public Switched Telephone Network PSTN of an industry standard ICP/IP protocol.

5, method according to claim 1 is characterized in that, further comprises this particular transaction of response:

Carry out an approved programme that increases this amount of money of representing with Stored Value on this device for mobile communication, be included in and receive an authentication requesting on this trading server, and increase this amount of money after the authentication.

6, method according to claim 1 is characterized in that, further comprises this particular transaction of response:

Carry out to increase an approved programme of this amount of money of representing with Stored Value on this device for mobile communication, and confirm that by a credit card or transferred account card dealer the affirmation that debt letter is commented etc. replies, increase this Stored Value.

7, method according to claim 1 is characterized in that, this method further comprises safeguards a registration database, to keep the particular transaction authentication and can be by the user account record of this trading server institute access.

8, method according to claim 1 is characterized in that, comprises to safeguard an account database, and keeping the record of a plurality of data types, and each should a plurality of data types represent the currency of being issued by at least one group of enterprise.

9, method according to claim 1 is characterized in that, comprises:

Safeguard an account database, keeping the record of a plurality of data types, and the currency that each these a plurality of data types representative is issued by at least one group of enterprise; And

On this transaction operations server, exchange data on this device for mobile communication represented in these a plurality of data types at least two data types to the small part amount of money.

10, a kind of support moved the data handling system of paying, and it is characterized in that this system comprises:

Have a transaction operations server of a data processor, comprise the program storage that can store a packaged program, it comprises the instruction that can carry out by this data processor, and has the data communication resource that can support a plurality of communications protocol;

Described routine package can be used to maintenance can be by the storer stored value accounts of this data processor access, and discerns and connect a device for mobile communication by surpassing a communications protocol;

Described packaged program contains a program can be used to the control particular transaction, and it is initial and between (1) one device for mobile communication by wireless telecommunications institutes at least partially, it has a Stored Value, this Stored Value is represented by the data on this device for mobile communication, and (2) one trading terminals, comprise instruction and carry out:

Respond this particular transaction, its (1) changes by initial by the institute of the wireless telecommunications between this device for mobile communication and this trading terminal at least partially in the data on this device for mobile communication represented this Stored Value and (2) according to this particular transaction:

11, system according to claim 10 is characterized in that, this particular transaction increases or reduces by this represented Stored Value of the data on this device for mobile communication.

12, system according to claim 10 is characterized in that, this first communication path comprises according to a protocol-compliant in the communication of an industry standard short message service agreement.

13, system according to claim 10 is characterized in that, this second communication path comprises according to a protocol-compliant in the communication or a Public Switched Telephone Network PSTN of an industry standard ICP/IP protocol.

14, system according to claim 10 is characterized in that, further comprises this particular transaction of response:

Carry out an approved programme that increases this amount of money of representing with Stored Value on this device for mobile communication, be included in and receive an authentication requesting on this trading server, and increase this amount of money after receiving authentication.

15, system according to claim 10 is characterized in that, further comprises this particular transaction of response:

16, system according to claim 10 is characterized in that, comprises to safeguard a registration database, to keep the particular transaction authentication and can be by the user account record of this trading server institute access.

17, system according to claim 10 is characterized in that, comprises to safeguard an account database, and keeping the record of a plurality of data types, and each should a plurality of data types represent the currency of being issued by at least one group of enterprise.

18, system according to claim 10 is characterized in that, comprises:

19, a kind of support moved the data handling system of paying, and it is characterized in that this system comprises:

One data processor comprises the program storage that can store a routine package, and it comprises the instruction that can carry out by this data processor, and has the data communication resource that can support a plurality of communications protocol;

Described routine package can be used to maintenance can be by the stored value accounts in the storer of this data processor access, and discerns and connect a device for mobile communication by surpassing a communications protocol;

Described program comprises the transaction that a program can be used to control break Stored Value on this device for mobile communication, comprises:

Receive the first stroke record of a particular transaction, and it is seen through one first communication path of a telephone service dealer network by this device for mobile communication;

Receive one second notes record of a particular transaction, and it sees through one second communication path that a communication network is connected to this trading terminal by this device for mobile communication; And

Upgrade an account relevant with this particular transaction.

20, system according to claim 19, it is characterized in that described program comprises a procedural application in a communication path that sees through this telecommunications dealer network from mobile device, receives Stored Value final accounts record, and make this Stored Value final accounts record consistent with the account activation record, alter or deceive with detection.