CN101918965A

CN101918965A - System for electronic commerce transactions, portable electronic communications device, communications network, computer program product and method thereof

Info

Publication number: CN101918965A
Application number: CN2008801157101A
Authority: CN
Inventors: N·Y·永; T·马纳维提维士; S·萨克萨塔亚登
Original assignee: TRUE MONEY CO Ltd
Current assignee: True Money Co., Ltd.
Priority date: 2007-11-13
Filing date: 2008-11-13
Publication date: 2010-12-15
Also published as: WO2009064160A1; FR2923635B1; FR2923635A1

Abstract

The invention relates to a system for electronic data transfer between a first plurality of communications equipment (UMD) and a second plurality of communications equipment (Sl to S4) connected with each other by a communications network (N).

Description

The system, portable electronic communications device, communication network, computer program and the method thereof that are used for e-commerce transaction

Technical field

The present invention relates generally to via comprising a plurality of networks that are used for data storage and communicating devices (for example mobile communication terminal) and carries out the field that electronic data transmits.The present invention is particularly useful for being used for system and the network that the electronic data relevant with e-commerce transaction transmits.

Background technology

Have the various known network architectures that are used for the communication between the storage cell, the data between the wherein said storage cell transmit to follow and are used for access control and synchronous pre-defined rule.Since the generation of smart card, developed the network of some these types that relate to a plurality of smart cards of cooperating with a plurality of conveyers.

Day by day Fu Za applied environment and when for example mobile communication terminal (and especially mobile phone) waits the portable object of other type development new problem, the solution that it need be reformed have been proposed.

For instance, in the system of ecommerce known in the prior art and the application, the user uses credit card or smart card to locate to pay specific products or service in the point of sale of determining (POS).Under the situation of intelligent card payment scheme, wherein the money of specified quantitative is stored in the smart card with electronic form, whenever the user buys product or when service, the read/write terminal that is positioned at the POS place just reads user and/or smart card information and deducts the expense of this product or service.

Smart card or integrated circuit (IC) card comprises wherein the semiconductor memory that can store, read or write a certain amount of electronics money substantially, and is used for contacting with corresponding POS read/write terminal or the member of contactless communication.Under latter event, smart card should remain near the POS read/write terminal simply or put down gently and reading the surface.Wherein the user is called stored value card (E-purse) application in auxiliary this type of application of buying goods, commodity or service down of the IC-card of store electrons money data.When the electronics money remaining sum of IC-card reaches zero or when being not enough to buy specific products, can recharge described card by using the specific terminal that recharges that electronics money is transferred to smart card.The described terminal that recharges receives cash from the user, or deducts the amount of money of transferring to card from user's bank account or the electronics money account of offering to particular broker from the user (Electronic Wallet), and described middle man can be the company that electronic purse card is provided to the user.

In order to check the real balance of stored value card, the user must go to nearest POS and/or recharge terminal, and it will read and be stored in the current electronics money in the IC-card and will show to the user.Go to nearest POS terminal and in order to be provided at any time checking the member of the real balance of stored value card for fear of the user with any place, can buy some small IC card readers, perhaps known recently, some mobile phones possess this type of IC-card and can read the card remaining sum at the mobile telephone display place.

Yet still there is shortcoming in current prior art, and the user can't recharge its stored value card needn't going under the situation that recharge terminal, and recharging stored value card is possible during the business hours of specifying POS only sometimes.Therefore, Sorry, your ticket has not enough value for the electronics in being stored in IC-card when buying specific products or service, and the user can not finish at any time and will buy.He must recharge terminal by localized electron money, goes to described position, and waits for, till this terminal free time is for use.

Summary of the invention

The present invention is intended to overcome the shortcoming of prior art.In particular; the purpose of this invention is to provide a kind of system that is used for by the electronic data transmission of network; described network comprises a plurality of data storage and communicator; mobile communication terminal for example, wherein the user can it has the transaction between the various memory cells that selectivity inserts with expansion, cooperation and protected mode request from individual command point (its mobile communication terminal).The apparatus and method that another object of the present invention provides this type systematic and is associated, it is particularly suitable for the network of managing electronic wallet and stored value card.

According to the present invention, these purposes and other purpose understood that will become after a while are in a kind of auxiliary realization down that is used for the system that by communication network more than first communication facilities connected to one another and electronic data between more than second communication facilities transmit,

Described more than first communication facilities is portable electron device, its each free user carries and each described portable electron device comprises that first data that are connected to first memory member (EP) transmit control member and radio communication member, described radio communication member is suitable for communicating by letter with wireless mode with described more than second communication facilities via described communication network

Described more than second communication facilities is positioned at the place, fixed position of communication network separately, and comprises that second data that are connected to the second memory member transmit control member,

The described data of described more than first communication facilities transmit control member and are suitable for producing first and second kind of message and send it to described more than second communication facilities via described radio communication member, described first kind message comprises revises request and the customer identification information that is stored in the value in described first memory member or the second memory member, and described second kind of message comprises and is stored in the indication that the value in the described first memory member has been modified

The described data of described more than second communication facilities transmit control member and are suitable for receiving and analyze first and second kind of message from described more than first communication facilities, check whether user identity permits inserting described second memory member, and produce the 3rd kind of message and send it to described more than first communication facilities via the radio communication member, described the 3rd kind of message comprises that revising the indication or the electronic data that are stored in the value in the described first memory member transmits wrong indication

The described data of described more than first communication terminal and described more than second communication terminal transmit control member and are further adapted for to exchange messages through encrypted form.

According to a particular embodiment of the invention, described first memory member is to implement with the form of IC logic microstructure.

According to an embodiment more of the present invention, described more than first communication facilities further comprises coupling component, described coupling component can at random and provisionally be operated so that at least one equipment in described more than first communication facilities and the independent data pen recorder that is positioned over the place, fixed position are coupled via coupling interface, described data recording equipment comprises the member of the content of the described first memory member that comprises in the described equipment that reads when the described device coupled that is used at described more than first communication facilities is to described data recording equipment in described more than first communication facilities, and is used for data are write member in the described first memory member of described equipment of described more than first communication facilities.

In another embodiment of the present invention, the described first kind message that is sent at least the second equipment in described more than second communication facilities at least by the first equipment in described more than first communication facilities comprises the request that makes the value that is stored in the described first memory member increase specified quantitative

The described data of described second equipment transmit control member and are further adapted for the described second memory member of agreement so that make the value that is stored in the described second memory member reduce described specified quantitative, and comprise the 3rd kind of message that increases the indication that is stored in the described value in the described first memory member to described first equipment transmission, and

The described data of described first equipment transmit control member and are further adapted for the described first memory member of agreement so that make the value that is stored in the described first memory member increase described specified quantitative, and send second kind of message that comprises the indication that described first memory member has been modified to described second equipment.

According to another advantageous embodiment of the present invention, send to described second equipment in described more than second communication facilities and comprise that the described first kind message that makes the value that is stored in the described first memory member increase the request of specified quantitative is that value in being stored in described first memory member sends when being lower than certain threshold level automatically by described first equipment in described more than first communication facilities.

According to an embodiment more of the present invention, the described first kind message that is sent at least the second equipment in described more than second communication facilities at least by the first equipment in described more than first communication facilities comprises the request that makes the value that is stored in the described second memory member increase specified quantitative

The described data of described second equipment transmit control member and are further adapted for the described second memory member of agreement so that make the described value that is stored in the described second memory member increase described specified quantitative, and send the 3rd kind of message that comprises the indication that reduces to be stored in the value in the described first memory member to described first equipment, and

The described data of described first equipment transmit control member and are further adapted for the described first memory member of agreement so that make the value that is stored in the described first memory member reduce described specified quantitative, and send second kind of message that comprises the indication that described first memory member has been modified to described second equipment.

Advantageously, described first, second further comprises identifier with the 3rd kind of message, and the described data of described more than first communication facilities and described more than second communication facilities transmit control member and are further adapted for the described identifier of record, check whether described message arrives with the message flow agreement order of determining, and write down any break event of described message flow agreement order.

In another advantageous embodiment, the described data of described more than first communication facilities and described more than second communication facilities transmit control member and are further adapted for the break event when detection has reached given number, and produce and send the system synchronization request of the state of the electronic data transportation protocol of removing given number.

In an embodiment more of the present invention, the described data transmission control member of described more than first communication facilities is further adapted for and shows the control member exchange of control information, so that provide actions menu in described more than first communication facilities, described actions menu shows can transmit option for the electronic data that described user uses, transmit message about the current and historical information of electronic data transmission, electronic data and the wrong or successful electronic data that is stored in the described first memory member.

According to another customized configuration of the present invention, described more than second communication facilities comprises the special-purpose at least electronic transaction communication server, the described electronic transaction communication server is suitable for from described more than first communication facilities reception with to the request of described more than first communication facilities emission All Activity, described more than second communication facilities is connected to the center electron trading server, described center electron trading server is suitable in the auxiliary encrypt/decrypt down of Key Management server and communicating by letter of described more than first communication terminal, and is suitable for checking, agree and revise the value of at least one the described second memory member that comprises in the virtual electronic wallet application server.

According to another advantageous embodiment of the present invention, the value described to be revised in described first memory member and/or the described second memory member is the value of indicating the amount of money that described user has with electronic form.

The invention still further relates to the method for implementing in a kind of system of any one in the embodiment that basis is above indicated.

A kind of portable electronic communications device is also contained in the present invention, and it comprises

The first memory member, it contains the money corresponding to the specified quantitative that is electronic form of user's electronics money wallet,

The wireless coupling member, its in order to via first wave point (advantageously using RFID or similar techniques) and the independent data pen recorder coupling that is positioned over fixed position place being used to pay product or service,

The radio communication member, it is in order to via second wave point and communication, and

Data transmit control member, and it is suitable for producing request message and described request message is sent to described communication network to be used at transfer certain amount of electrons money between the network second memory member of the electronics money account that comprises described user and the described first memory member.

Advantageously, encrypt communicating by letter between described portable electronic communications device and the described communication network, and verify described electronic transaction so that allow suitable transaction only between the device of authorizing mutually, to take place.

According to another advantageous embodiment, the described wave point between described portable electronic communications device and the described communication network allows to surpass at least ten meters communicating by letter.This can for example use GSM, UMTS or similar mobile phone communications technology or even bluetooth or WLAN technology realize.

According to an embodiment more of the present invention, the described request of described portable electronic communications device is the request that recharges the described memory means of described portable electronic communications device, and in response to described request, the value that described communication network will be a certain amount of money of representative of electronic form is transferred to the described memory means of described portable electronic communications device.

When advantageously, the electronic values in being stored in the described memory means of described portable electronic communications device is lower than predetermined threshold described request is sent to described communication network automatically.

According to another embodiment, the described request of described portable electronic communications device is the request that value that the described memory means from described portable electronic communications device will be a certain amount of money of representative of electronic form is transferred to the memory means of described communication network.

Description of drawings

To understand the present invention better and will understand additional advantage from following description illustrative embodiment.

Fig. 1 is the general synoptic diagram according to the system that is used for e-commerce transaction of the embodiment of the invention.

Fig. 2 shows first exemplary embodiment according to the system that is used for e-commerce transaction of the embodiment of the invention.

Fig. 3 shows second exemplary embodiment according to the system that is used for e-commerce transaction of the embodiment of the invention.

Fig. 4 is being used for from user's the network electronic wallet account first exemplary message flow graph to described user's stored value card metastatic electron money according to the embodiment of the invention.

Fig. 5 is being used for from user's the network electronic wallet account second exemplary message flow graph to described user's stored value card metastatic electron money according to the embodiment of the invention.

Fig. 6 is being used for from user's network electronic wallet account the 3rd exemplary message flow graph to described user's stored value card metastatic electron money according to the embodiment of the invention.

Fig. 7 is being used for from user's the stored value card exemplary message flow graph to described user's network electronic wallet account metastatic electron money according to the embodiment of the invention.

Fig. 8 shows according to user's mobile device of the embodiment of the invention and the general credit transaction message flow between the network.

Fig. 9 shows according to user's mobile device of the embodiment of the invention and the general debit transaction message flow between the network.

Figure 10 is according to the first presentation management situation that interrupts transaction message stream between user's mobile device of the embodiment of the invention and the network.

Figure 11 is according to the second presentation management situation that interrupts transaction message stream between user's mobile device of the embodiment of the invention and the network.

Figure 12 is according to the 3rd presentation management situation that interrupts transaction message stream between user's mobile device of the embodiment of the invention and the network.

Figure 13 shows according to the synchronous flow process of the first demonstration transaction between user's mobile device of the embodiment of the invention and the network.

Figure 14 shows according to the synchronous flow process of the second demonstration transaction between user's mobile device of the embodiment of the invention and the network.

Figure 15 is the illustrative flow of the initial transaction request of user's mobile device.

Figure 16 is the illustrative flow that network receives transaction request.

Figure 17 is the illustrative flow that user's mobile device receives the transaction response.

Figure 18 A, B, C, D, E show the exemplary SIM kit menu with mobile phone managing electronic pecuniary exchange of being used for according to the embodiment of the invention.

Figure 19 A is used to set and activate the exemplary SIM kit menu embodiment that recharges function automatically to the 19K displaying.

Figure 20 A is used for the exemplary SIM kit menu embodiment that deactivation recharges function automatically to the 20D displaying.

Figure 21 A shows the exemplary SIM kit menu embodiment that is used to check the state that recharges function automatically and recharges parameter setting automatically to 21E.

Figure 22 shows the message flow diagram that is used for recharging automatically user's mobile device electronic wallet according to the embodiment of the invention.

Embodiment

General electronics pecuniary exchange system overview.

Fig. 1 shows the general synoptic diagram according to the system that is used for e-commerce transaction of the embodiment of the invention, and described system comprises point of sales terminal PT, the first wave point W1, the user's mobile device UMD that comprises electronics money wallet EP, the second wave point W2, network N that is connected to the business server MS in the building MP of businessman and the webserver NS that comprises user's electronic money account EW.

For the purposes of the present invention and in the following description, we will call " stored value card " to the electronics money wallet EP that implements in user's mobile device UMD or comprise, and user's network electronic money account EW is called " Electronic Wallet ".The member that is used to store specific user's electronics money data that stored value card is interpreted as comprising among the mobile device UMD, and the Electronic Wallet member that is used to store these user's electronic money data (for example, database) that is interpreted as comprising in the network N.Usually the user offers the Electronic Wallet account to particular broker or bank's entity, and described Electronic Wallet account is in order to buy product or service via many different passages, for example mobile STK or USSD technology, online internet session or phone connection.Stored value card is interpreted as the described user of permission that comprises among the user's mobile device UMD member of payment for merchandise or service in person, that is, finish as sentencing cash, credit card or smart card at businessman's building or businessman's point of sales terminal.In fact, being similar to known prior art of carrying out with for example stored value card smart card according to the stored value card of the embodiment of the invention pays by mails, that is, user's wireless coupling member that can in user's mobile device UMD, exist auxiliary down at POS terminal PT place only by the close described POS terminal PT of described mobile device UMD is paid.Substantially, described payment will be carried out by the first wireless communication interface W1, the known RFID coupling/communication technology between the IC microstructure of the similar intelligence that exists in its use POS terminal PT and the mobile device, but system of the present invention is not limited to the RFID payment of these types, and according to another embodiment of the present invention, described payment can be finished by wave point W1, and it uses other wireless communication technology, for example bluetooth, GSM or WLAN.Therefore, stored value card can be envisioned as the user's " moving " electronics money or be stored in electronic form in the storer of mobile device inside and can be anywhere carry a certain amount of money to be used to buy with him at any time, and Electronic Wallet can be envisioned as " fixing " electronics money account that limits in specific bank or middle man's network Architectural Services Department of user.

Known to from prior art stored value card intellective IC card is used, the user need reach zero or recharge described IC-card with electronics money data when being not enough to finish purchase to want product in its stored value card money remaining sum.According to the present invention, the user can be when needed (that is, any place and any time) only recharges its stored value card EP by sending wireless request from its mobile device UMD to the network N that comprises its Electronic Wallet EW.According to embodiments of the invention, wish to recharge any time of its stored value card EP with the electronics money of specified quantitative the user, he will instruct its mobile device UMD to send the request that recharges via wave point W2 to network N, and this recharges request and will confirm the electronics money that will measure is transferred to the mobile device electronic wallet network with identification.But this can be for example the checking user and after checking his access network Electronic Wallet account the network electronic account balance by revising the user value (for example, deducting specified quantitative) from remaining sum and provide the remaining sum of response with the corresponding modify stored value card (to electronic purse balance amount increase specified quantitative) to finish to mobile device.According to another embodiment of the present invention, described stored value card recharges and will finish automatically, and the user can set the initial remaining sum threshold value that recharges automatically and the amount of recharging of being used for.According to another embodiment of the present invention, the user also can be when needed from its stored value card to its Electronic Wallet network account metastatic electron money.

Network N can be bank or middle man's network, the network of telecom operators or the combination of these a little communication networks, it is according to (for example the present invention includes at least one network element, server NS), described network element can receive the request of user's mobile device UMD wireless transactions, the network electronic wallet account EW of leading subscriber, and provide corresponding response to user's mobile device.Wave point W2 between user's mobile device UMD and the network N can implement according to any current prior art wireless technology, for example bluetooth, SMS, MMS, WAP, WLAN, it allows short range and the transmission of long-range (above ten meters) information between mobile device and the network insertion element.User's mobile device UMD can be mobile phone, notebook computer or can be carried and with any other device of wireless mode and network service by the user.

According to another embodiment of the present invention, assisting down of mobile device UMD, the user can check the electronics money remaining sum of its stored value card, acquisition is transferred to its stored value card EP with money from its Electronic Wallet account EW and is gone up and/or electronics money is transferred on its Electronic Wallet account EW from stored value card EP about the information of performed last e-commerce transaction.According to an embodiment more of the present invention, user's mobile device UMD is the mobile phone that comprises multi-functional IC-card, and described IC-card is the card that SIM (subscriber identity module) blocks and be used for the similar intelligence of RFID payment and electronics money remaining sum storage purpose.

Electronics pecuniary exchange system architecture example.

Fig. 2 shows the first exemplary architecture figure according to the system that is used for e-commerce transaction of the embodiment of the invention, and it comprises the network N of user's mobile device UMD, the wave point W2 with stored value card EP and the Electronic Wallet account EW that comprises the user and four network elements or server S 1 to S4.

First server S 1 can be the communications network server that is exclusively used in the electronics pecuniary exchange.Therefore all electronics pecuniary exchange requests from user's mobile device UMD are addressed to this server and server disposal thus, and server will be directed to described request other corresponding e-commerce transaction server of network N subsequently again.First server S 1 can be (for example) SMS (Short Message Service) gateway, and it is exclusively used in the SMS message request of the beginning electronics pecuniary exchange that receives user's mobile device UMD transmission.Described user's mobile device transaction request can be directed to the second application server S2 or center electron trading server subsequently again, it is responsible for (for example) in conjunction with two other servers (promptly, Electronic Wallet application server S4 and Key Management server S3) manage the encrypt/decrypt with the wireless and network service of user's mobile device, the checking of leading subscriber and debit and credit pecuniary exchange.Key Management server S3 provides (for example) keys for encryption/decryption in order to credit on user's mobile device UMD or debit stored value card EP.Electronic Wallet application server S4 management and the relevant data of user network electronics money account EW.By the verification msg that receives from center electron trading server S2 and the amount of money of institute's debit or credit, the remaining sum of the renewable user's electronic money of Electronic Wallet application server S4 account EW.

Though do not show among the figure, be connected to be used for Customer management, book keeping operation and commercial object but also can provide with the computing machine of center electron trading server S2 and/or Electronic Wallet application server S4, that is, Virtual network operator, bank or middle man may wish to obtain and manage and all electronic transactions of being carried out, all users and the relevant information of network electronic money account thereof.The middle man may (for example) decision provide particular bonus or bonus to some users that satisfy determined transactions history profile, or limits its credit or maximum electron trading volume.

Fig. 3 shows the second exemplary architecture figure according to the system that is used for e-commerce transaction of the embodiment of the invention, described system comprises user's mobile device UMD, wave point W2 with stored value card EP, comprise first network N 1 of the first user's electronic wallet account EW1 and five network elements or server S 1 to S5, and second network N 2 that comprises the second user's electronic wallet account EW2.

Fig. 3 comprises the structure with similar shown in Figure 2, but different be that two different electronics money account EW1 can be present among two different network N 1 and the N2 with EW2.This therein specific communications operator, bank or middle man set up can be in the application of one or more e-commerce transaction business partnerships favourable.Use in the situation at these electronics pecuniary exchanges, first network N 1 can be mutual so that agree user's the second electronics money account EW2 with second network N 2.For this purpose, the Electronic Wallet application server S4 of first network N 1 is connected to communication gate S5, and it is responsible for setting up the electronics pecuniary exchange with ecommerce business parnter network N 2 and is connected.Business parnter's network N 2 that also possible is provides the user has specified quantitative in described network money (for example to communication gate S5, bank or credit card) or at specific service (for example, the service of prepaying) information of the money of payment specified quantitative, and communication gate S5 is converted to electronics money with this amount and settle accounts described payment with business parnter's network N 2 after electronic transaction.

It should be noted that Fig. 2 and 3 only show exist in the communication network and user's mobile device alternately with some the particular exemplary framework in the network element of carrying out the electronics pecuniary exchange between user's electronic wallet and the user network Electronic Wallet.Should be appreciated that the identical above server functionality of indication can use different servers of measuring or server to connect and implement in network.

Electronics money is from the transfer of user's electronic wallet to the user's electronic wallet.Recharge the stored value card situation.

Indicated as mentioned and according to the present invention, the user can when needed and recharge its mobile device electronic wallet when Radio Access Network can be used for communicating by letter.The user will can not be forced to go to the specific terminal that recharges as the situation when using the stored value card smart card.

Fig. 4 shows and to be used to implement the message flow diagram that shifts to the electronics money of user's mobile device electronic wallet from user network Electronic Wallet account according to the embodiment of the invention.According to the example of described figure, the user uses mobile phone to implement stored value card and recharges.Mobile phone comprises that the display (by means of for example SIM kit embodiment) that is used at phone shows the member of " recharging stored value card " option, and when the user selects this option, the plug-in unit of mobile phone is activated, and it produces request SMS message and described message is sent to network.Network will be confirmed the transfer of money to the mobile phone stored value card subsequently, and correspondingly upgrade user's electronics money account.

Fig. 5 shows being used for from the second message flow situation of described user network Electronic Wallet account to user's stored value card metastatic electron money according to the embodiment of the invention.According to the example of described figure, the user uses mobile phone and never belongs to bank in its stored value card supplier's the network or credit card is implemented stored value card and recharged, as explaining among Fig. 3.Described message flow is similar to message flow shown in Figure 4, but different is that some message parameters are different, for example about user's the credit or the information of bank account, and for the existence of new network element, communication gate S5 is responsible for shifting with bank or credit accounts entity clearing electronics money.

Fig. 6 is being used for from the three exemplary message flow graph of described user network Electronic Wallet account to user's electronic wallet metastatic electron money according to the embodiment of the invention.According to the example of described figure, the user uses mobile phone and the cash card account of prepaying that never belongs in its stored value card supplier's the network is implemented stored value card and recharged, as explaining among Fig. 3.Described electronics pecuniary exchange message flow is very similar to the message flow shown in Fig. 5, but different be that some message parameters are different, for example about the information of user's cash card account, and communication gate S5 prepays gateway.

In general, purpose for electronics money transfer according to the present invention, user's mobile device UMD comprises: data transmit control member, and it is connected to the electronics money remaining sum that contains the user at least and corresponding to the first memory member of user's portable electronic wallet EP; And the radio communication member, it is used for communicating by letter with communication network N via wave point W2.Network comprises: second data transmit control member, and for example server S 1 to S5, and it is arranged in the place, fixed position of described communication network separately; And the second memory member, it contains at least one user's electronic money account and corresponding to user network Electronic Wallet EW.Purpose for transaction, user's mobile device UMD sends two types message substantially to network N: the message of the first kind (A among the figure) is the request of the transaction between beginning portable electronic wallet EP and the network electronic wallet EW, and the message of second type (C among the figure) is the affirmation message that has been modified to network indication electronic purse balance amount.On the other hand, network will receive the message of the first kind substantially from mobile device, and the message of the 3rd type is provided, and it is for indicating whether to revise the response transaction message (B among the figure) of electronic purse balance amount to mobile device.Come the transaction response message B of automatic network for example to depend on to comprise the message of the first kind that receives from mobile device for example about user identification data with about the data of electronics amount of money to be transferred.If for example the user is not allowed to access definite Electronic Wallet or user's identification and verifies incorrect, or there is not enough money among the amount to be transferred Electronic Wallet EW above specific limited or user, network will provide the transfer error message to mobile device so, and will not implement transaction.

According to the example of Fig. 4 to 6, the user uses transaction that the SIM kit menu among the mobile phone UMD comes initial and the network that contains its Electronic Wallet so that recharge its mobile device electronic wallet, and introduces the amount of recharging and its PIN (personal identity number).Subsequently, the data of mobile phone inside transmit the multi-functional IC-card of control function combined with mobile telephone and produce the message with following information: by information and certain additional information, for example user's the order that recharges stored value card (from its network electronic wallet or bank/credit card/cash card) or request, enciphered message, Transaction Information, other mobile phone or stored value card identifying information, bank/credit card or the cash card information (if this option is selected) of user's introducing.

Described message produced and about the information of New Transaction IC-card at mobile phone in or in any other storer after the registration, mobile phone UMD sends to the communication network of server S 1 to the S4 place with the form of one or more SMS with this message.First server S 1 that receives transaction request message A from mobile phone is (for example) SMS gateway, and it is identified as described message electronic transaction and described message is directed to the responsible second application server S2 or center electron trading servers of handling this a little transaction again.The center electron trading server will be subsequently according to certain encryption keys (for example, the SIM key) deciphers the SMS message that is received, and for example by checking transaction identification accords with checking whether transaction message has relation corresponding to New Transaction or with ongoing transaction, and also the transaction of given number do not remove as yet or reached check under the situation of agreement break event of given number whether need with mobile phone UMD synchronously.Center electron trading server S2 will for example use transfer table integrated services digital network network (MSISDN) service to set up communication session with Electronic Wallet application server S4 subsequently, so that check whether amount of money that whether PIN that is for example introduced by the user allows to insert described user's Electronic Wallet, user's request is present in described user's the Electronic Wallet and whether described amount of money surpasses specific limited.

Selected to prepay under the situation that card recharges its stored value card the user from specific bank account, credit card or cash, give Electronic Wallet application server S4 with described information, Electronic Wallet application server S4 set up again be responsible for to handle described specific bank account, credit card or cash prepay card or with its communicating by letter of communication gate S5 of settlement process.

Under in conjunction with Electronic Wallet application server S4 and final previous check case of successful in conjunction with communication gate S5, center electron trading server S2 is to continue to the request of the renewal user's electronic wallet of Electronic Wallet application server S4 (for example, the amount of electronics money remaining sum is reduced by user's indication amount).

In case Electronic Wallet application server S4 provides the affirmation of the successful modification of user's electronic wallet account, center electron trading server S2 is just to Key Management server S3 request stored value card credit key so.

After receiving the credit key that is used for stored value card, center electron trading server S2 is co-pending with the setting state of current transaction, and generation, encrypted response transaction message and send it to SMS gateway S1.The transaction response message that sends to SMS gateway S1 from center electron trading server S2 may be sends with one or more SMS message or with any other suitable form, and SMS gateway S1 may be responsible for changing the transaction response message that receives from center electron trading server S2 with the form of one or more short messages B that will send to user's mobile phone UMD.

The transaction response message B that user's mobile phone receives contains Transaction Information at least, for example transaction identification symbol and trade network result and credit key information.

In case user's mobile phone UMD receives transaction response message B from network, it just deciphers SMS message, check that whether the transaction response is corresponding to ongoing current transaction, the credit stored value card (for example, increase electronics money remaining sum with specific amount of money), with the setting state of mobile phone process of exchange is idle, and produces trade confirmation message C and send it to network.

When center electron trading server S2 when mobile phone UMD receives the confirmation message, it confirms that transaction is correctly implemented and described transaction is eliminated, thereby indicates described transaction success.Finally, the credit key data that is received among the described acknowledge message C is sent to Key Management server, it also removes described transaction credit key.

Recharging automatically of user's mobile device electronic wallet.

According to another embodiment of the present invention, user's mobile device electronic wallet can drop to certain threshold level in the remaining sum of for example stored value card and recharges automatically from its network electronic wallet account when following.This has been avoided the user gone to and has recharged the needs that agency, news-stand, market or shop recharge its stored value card.And this has been avoided the user is checked its electronic purse balance amount continuously and guarantees that stored value card will contain the needs of specific minimum scheduled volume money.

Because current double nip SIM and SIM kit menu do not have and are used in time managing the money available amount (whether it is lower than threshold value, being lower than threshold value can trigger from Electronic Wallet account recharging to stored value card) any timer reproduction function, so the function that recharges automatically according to a particular embodiment of the present invention may further comprise the steps:

Current electronic purse balance amount and predetermined threshold are compared;

Detect current electronic purse balance amount and whether be lower than predetermined threshold;

If current electronic purse balance amount is lower than predetermined threshold, shift money (that is, activation recharges) from network electronic wallet account to stored value card so;

Otherwise, do not carry out any recharging.

According to embodiments of the invention, the user can activate or its mobile device electronic wallet of deactivation recharge function automatically, the setting threshold and the amount of recharging, and check the current setting that recharges automatically.

According to embodiments of the invention, the user sets the parameter that recharges function automatically via mobile SIM kit menu.

As hereinafter explaining in detail, in certain embodiments of the invention, automatically the triggering that recharges function can be finished according to following incident: 1) to the position renewal of SIM, 2) client presses the root menu on the SIM kit menu, i.e. " touching ", and 3) client presses affirmation for the final process place of " opening " will recharging function setting automatically.According to embodiments of the invention, first incident 1) do not relate to any button and press, but the 2 2) and the 3 3) incident is the activation of pressing down according to the highlighted button of yellow.

Figure 19 A is used to set and activate the mobile SIM kit menu embodiment that recharges function automatically to the 19K displaying.After the position renewal to SIM card (Figure 19 A), main page or leaf is shown in (Figure 19 B) on user's mobile device screen.The user selects and clicks the icon of " menu " by name of main page or leaf.This action of user causes mobile SIM kit menu to be shown in (Figure 19 C) on user's mobile device screen.The user selects and clicks the icon of " touching " by name of SIM kit menu subsequently.This action of user causes " transaction menu " to be shown in (Figure 19 D) on user's mobile device screen.For instance, from then on " transaction menu ", the user can check its electronic purse balance amount, recharge its stored value card, inquire about its last Transaction Information, or shift money from its network electronic wallet account to its stored value card, and vice versa, shifts money from stored value card to network electronic wallet account.When the user selected and click the icon of " recharging wallet " by name of " transaction menu ", " recharging menu " was shown in (Figure 19 E) on user's mobile device screen.In order to set the parameter that recharges function automatically, the user selects and clicks the icon of " set and recharge automatically " by name of " recharging menu ".Automatically recharge function in order to activate, the user selects and clicks the icon (Figure 19 F) of " opening " by name.After activation recharged function automatically, the user was requested to set first parameter (Figure 19 G) corresponding to the threshold value of electronic purse balance amount.For instance, the user can be 20 ancient units of weight, equal to 1/24 liang with this threshold setting.Therefore, when user's current electronic purse balance amount is lower than 20 ancient units of weight, equal to 1/24 liang, realize recharging transaction.

After setting first parameter, the user is requested to set second parameter (Figure 19 H) corresponding to the amount of recharging.For instance, the user can be set in this amount of recharging 300 ancient units of weight, equal to 1/24 liang.Therefore, recharge transaction, the amount of 300 ancient units of weight, equal to 1/24 liang is transferred to stored value card from network electronic wallet account for each.After setting second parameter, the user is requested to set the 3rd parameter (Figure 19 I) corresponding to password.For instance, this password is to be used for verifying user's PIN(Personal Identification Number) by network.According to the present invention, be stored on the SIM card password security.According to embodiments of the invention, ADM (GSM11.11 standard) is used to protect the file that contains password.Access to file needs authorized trial, wherein is restricted to 3 trials.

After setting parameter mentioned above, confirm that request is shown in (Figure 19 J) on user's mobile device screen.The user can select and clickable icon " OK " is confirmed to set and activate and recharge function automatically, or selection and clickable icon " cancellation " are with the cancellation setting.Finally, if user's clickable icon " OK " sends to SMS network (Figure 19 K) so.According to embodiments of the invention, if do not reach predetermined threshold, SIM is retained in idle state and does not carry out automatically and recharges so.On the other hand, if reach predetermined threshold, so SMS is issued to server to be used for that money is recharged wallet.

Figure 20 A is used for the mobile SIM kit menu embodiment that deactivation recharges function automatically to the 20D displaying.As described previously, when the user selects and click the icon of " recharging wallet " by name of " transaction menu " (Figure 20 A), " recharging menu " is shown in (Figure 20 B) on user's mobile device screen.For its mobile device electronic wallet of deactivation recharge function automatically, the user selects and clicks the icon of " set and recharge automatically " by name of " recharging menu ", selects and click the icon (Figure 20 C) of " closing " by name subsequently.Finally, acknowledge message (being used to confirm to recharge automatically the deactivation of function) is shown in user's mobile device screen (Figure 20 D).

Figure 21 A shows the mobile SIM kit menu embodiment that is used to check the state (opening or closing) that recharges function automatically and recharges parameter setting automatically to 21E.

As described previously, when the user selects and click the icon of " recharging wallet " by name of " transaction menu " (Figure 21 A), " recharging menu " is shown in (Figure 21 B) on user's mobile device screen.In order to check the state that recharges function automatically, the user selects and clicks the icon of " set and recharge automatically " by name of " recharging menu ", selects and click the icon (Figure 21 C) of " inspection state " by name subsequently.Finally, be activated (opening) if recharge function automatically, the first current setup message type is shown in (Figure 21 D) on user's mobile device screen so.On the contrary, if recharge function automatically by deactivation (closing), the second current setup message type is shown in (Figure 21 E) on user's mobile device screen so.

Figure 22 shows the message flow diagram that is used for recharging automatically user's mobile device electronic wallet according to the embodiment of the invention.According to the example of Figure 22, when mobile device (UMD) detected current electronic purse balance amount and is lower than predetermined threshold (before being set by the user), mobile device is initial automatically to recharge transaction.Mobile device sends the credit request with the SMS form to center electron trading server S2.After receiving this credit request, center electron trading server S2 sends to Electronic Wallet application server S4 with log messages, and waits for the response from Electronic Wallet application server S4.When center electron trading server S2 received login response from Electronic Wallet application server S4, center electron trading server S2 began to send data to Key Management server S3.After the data of analyzing from center electron trading server S2, Key Management server S3 sends data to center electron trading server S2.After receiving these data, center electron trading server S2 sends the request of Electronic Wallet debit to Electronic Wallet application server S4, and waits for the response from Electronic Wallet application server S4.When center electron trading server S2 received from the response of the Electronic Wallet debit of Electronic Wallet application server S4, center electron trading server S2 sent the credit response with the SMS form to mobile device (UMD).Mobile device comes to recharge to the success of its stored value card of user notification by display message on the mobile device screen subsequently.

Therefore, when recharging automatically when being activated, the minimum amount of money that the user can its stored value card pays and do not worry existing in each its stored value card.Mobile device will constantly be checked the remaining sum of stored value card and send the request that recharges to network where necessary.And; by recharging function automatically; client no longer need put into mint of money in its stored value card; because stored value card will recharge when it reaches threshold value automatically; it means that in addition client is subjected to more protections when stolen losing its mobile device or its mobile phone, because it will not have mint of money in stored value card.The user can further get in touch the call center of the company that electronic wallet application is provided and the stored value card of stopping using.

Electronics money is from the transfer of user's electronic wallet to the user's electronic wallet.

According to another embodiment of the present invention, the user not only can shift money to its stored value card from its network electronic wallet account, and can be when needed from its stored value card to its network electronic wallet account metastatic electron money.

Fig. 7 shows and to be used to carry out the message flow diagram that shifts to the electronics money of user network Electronic Wallet account from user's mobile device electronic wallet according to the embodiment of the invention.According to the example of described figure, the user uses mobile phone UMD to implement the transfer of money to its network electronic wallet account.Mobile phone comprises the member that shows (for example) option of " transferring to Electronic Wallet " in order to (by means of for example SIM kit embodiment) on the display of phone, and when the user selects this option, the plug-in unit of mobile phone is activated, it produces request SMS message A and described message is sent to network N, network N comprises server S 1 to S4, as shown in Figure 2.Network will be checked request subsequently, provide response B to mobile phone, but it has corresponding certificate and the indication transfer can continue and the indication of stored value card debit.When mobile device debit stored value card (for example, remaining sum has reduced specified quantitative), mobile device with acknowledge message C to network validation this, and the remaining sum of the transfer of network validation electronics money and corresponding renewal user's electronic money account EW.

Normal credit or debit transaction message flow example.

Fig. 8 and 9 shows two examples of the arm's length transaction message flow between user mobile device UMD and the network N.Fig. 8 shows normal stored value card credit transaction stream, that is, stored value card recharges situation, and Fig. 9 shows that normal stored value card debit transaction stream or money are from the transfer of stored value card to network electronic wallet account.

According to embodiments of the invention, it is indicated functional all or part of among the figure that the software application on the multi-functional IC-card of mobile phone is responsible for providing.Network provides corresponding credit or debit key credential with credit or debit stored value card.

According to embodiments of the invention, network (for example, the webserver) keeps following electronic trading system recording of information:

1. transaction identification sign indicating number (transaction id)

2. type of transaction (for example, credit/debit)

3. trading volume

4. Jiao Yi date

5. mobile device or user's electronic wallet identifier

6. server transaction results

7. mobile device transaction results

8. security check code

9. stateful transaction (for example, co-pending/remove)

In addition, register and control each transaction event modestly.

The management that transaction message stream is interrupted.

Figure 10,11 and 12 shows according to three the presentation management situations that interrupt transaction message stream between user's mobile device UMD of the present invention and the network N.Because credit (recharging stored value card) and debit (shifting to EW from EP) transaction flow between user's mobile device and the network have same structure, so Figure 10 to 12 only uses stored value card to recharge transaction message stream to be used to showing how management flow interrupts.

Figure 10 shows how to manage the credit transaction response that interrupts.It should be noted that when transaction log becomes full, do not allow new transaction, up to network and card synchronously and till removing all transaction co-pending.This is in order to ensure the data consistency in the total system.

According to described figure, as user's mobile device UMD initial first transaction T1 when network N sends the first transaction request A1.Mobile device will be registered the code that is associated with the described first transaction T1, and for example " 0000 ", and set its state so that wait for the transaction response message B1 of automatic network.Do not receive transaction response message B1 or user at mobile device in special time and determine to cancel under the situation of the described current first transaction T1, mobile device is revised as " 6501 " with first transaction code, thereby indication must be ended the first transaction T1.On the other hand, network N is registered as " co-pending " with the transaction results of the described first transaction T1 after sending transaction response message B1, and sets its state so that wait for the trade confirmation message of self-moving device.The user will come the initial second transaction T2 by send the second transaction request A2 to network N, and mobile device will be registered the code that is associated with the described second transaction T2, for example " 0000 ", and set its state so that wait for the second transaction response message B2 of automatic network.Network N is followed by sending the second transaction response message B2, and the transaction results of the described second transaction T2 is registered as " co-pending " and sets its state so that wait for the trade confirmation message of self-moving device.Simultaneously, network N has recognized the first transaction T1 and has been ended (this information can for example be sent in the second transaction request message A2 by mobile device), and therefore its transaction results with the described first transaction T1 is registered as " recovery ", thereby indicates first transaction success owing to interrupting of arm's length transaction stream protocol.Finally, when network receives trade confirmation message C2 corresponding to second transaction, network will be described the transaction results of the second transaction T2 be registered as " removing ", thereby indicate described transaction successfully.Recovery means that transaction roll-backs or place original state, if for example the server expects of network produces the credit key of the stored value card for example be used for five Euros, when transaction recovery, money (five Euros) turns back to the network electronic account so.Under the situation of the transaction of restoring, the credit of stored value card is unsuccessful.When Transaction Success, this transaction is eliminated.

Figure 11 shows that how managing the credit transaction that interrupts confirms.In the example of described figure, suppose that the credit response of returning is correct, and when returning correct credit response, suppose that previous transaction log is through checking and can removing.

According to embodiments of the invention, can not solve at network under the situation of transaction co-pending or deposit, it sends " transaction errors (time-out) " response to user's mobile device, thereby indicate all processes to suspend, promptly, user's mobile device electronic process of exchange is locked, and mobile device will show transaction errors message, thereby invites the user to solve described problem to the customer service center.In this situation, transaction log will not be eliminated, till the customer contact customer service.

If network side N does not receive the affirmation message of any self-moving device UMD of coming as yet, there are two kinds of possibilities so

1. network N can wait for the new transaction request of self-moving device UMD, and this new information will contain the indication of the state of last trade, or

2. also may between mobile device and network side, begin synchronously.

Figure 12 shows the unordered credit transaction request of how managing.The case description of described figure is wherein because meshwork buffering and switching and situation that the user's mobile device request message does not arrive with the expection order.

Electronic transaction synchronous flow example.

Indication in Figure 10 to 12 as mentioned, whenever transaction event or interrupt when taking place, it will be recorded or be stored in the storer of user's mobile device inside.According to embodiments of the invention, limited and storer reaches under the situation of its limit in described storage space, before any new transaction begins, implement between user's mobile device and the network synchronously.

Figure 13 shows when reaching the log memory limit by the initial synchronous example of user's mobile device.

According to another embodiment of the present invention, for example can be when some transaction need be verified immediately by the initial synchronous event of network.

Figure 14 shows the synchronous event that network is initial.

According to embodiments of the invention, for synchronously, the state of last five transaction of mobile device and network exchange.Network is with the stateful transaction of trust record on mobile device, so that upgrade transaction record to have equal state.

Mobile device and network illustrative process of exchange process flow diagram.

Figure 15 to 17 is illustrated in inner the implementation with initial electronic transaction request or reception of user's mobile device and comes the request response (Figure 15 and 17) of automatic network and three illustrative example implementing the process of (Figure 16) when receiving user's mobile device transaction request in network internal.

Figure 15 shows the user's mobile device process when initial new electronic transaction request.According to the example of described figure, user's mobile device sends transaction request with the form of SMS message to network.In general, described process begins by the current state of inquiry process of exchange, state for idle situation under, check whether need with network synchronously, and after this, produce transaction request SMS.Though do not show among the figure that transaction request SMS will send to network after process is finished.Described SMS message can send safety to be used to guarantee communicate by letter through encrypted form.Under can not solve wrong or situation that transaction takes place, described process with locked to prevent further destruction.

Figure 16 shows the webserver process when receiving user's mobile device transaction request.According to the example of described figure, user's mobile device sends transaction request with the form through encrypting SMS message to network.In general, described process begins by deciphering SMS, and whether check needs transaction synchronously, carries out transaction (that is, upgrading user's Electronic Wallet account), and produces suitable voucher, set transaction results and with outcome record in database or storer.Transaction results is indicated by particular code, and described code can be indicated normal Successful Transaction or transaction errors, for example, and the mistake that remaining sum is overflowed, can not be solved etc.If server can not solve transaction co-pending or deposit, it will send the particular transaction object code to user's mobile device so, so that suspend the All Activity process and invite customer contact customer service center to solve described problem.

Figure 17 shows the user's mobile device process when receiving the network trading response.In general, described process by check mobile device whether current be involved in electronic transaction handle in (promptly, it sends transaction request and waits for the network response to network) and begin, in the case, check that the transaction response is whether corresponding to the transaction of current request, and what electronic transaction result in the case is, for example successful transaction, because remaining sum is overflowed the unsuccessful transaction that causes, the mistake that can not solve has taken place etc.When receiving the Successful Transaction object code, upgrade electronic purse balance amount and suppose that server suitably solves all previous transaction, and therefore remove all previous transaction log record.Also produce the trade confirmation bag and after a while (not shown) send it to network.

SIM kit menu embodiment example.

Figure 18 A is to the mobile SIM kit menu embodiment that be used for mobile phone carry out electronics pecuniary exchange of 18E displaying according to the embodiment of the invention.By the mobile SIM kit menu of showing in the display that uses mobile phone, the user can check its electronic purse balance amount (Figure 18 A), inquire about its last Transaction Information (Figure 18 B), shift money (Figure 18 C and 18D) from its Electronic Wallet to its stored value card, and vice versa, shifts money (Figure 18 E) from stored value card to network electronic wallet account.It can be in any place with only be suitable for leading subscriber stored value card and implementing described electronic transaction down any time with the mobile phone of network service auxiliary according to the present invention.

Mobile phone can comprise for example multi-functional IC-card, and it can be used as SIM card and electronic purse card.

According to the present invention, in mobile phone or the specific computer program of in SIM, carrying out can be responsible for access and revise electronic purse balance amount, the store transaction log information, and with the network service that contains user's electronic wallet account.

Checking and encryption.

According to embodiments of the invention, checking can be finished by user's electronic transaction PIN is provided, and communicating by letter between user's mobile device and the network can be encrypted.

Settlement process.

According to the present invention, exist dual mode to settle accounts e-commerce transaction:

A. first clearing are tactful, and wherein stored value card belongs to the company that also has user's electronic wallet account.In the case, the detail record of stored value card will be stored in the stored value card drifting management of each (off-line) debit of being used for stored value card and (online) credit, and the detail record of Electronic Wallet will be stored in each (online) debit that is used for Electronic Wallet and the specific network server of (online) credit.

B. second clearing are tactful, and wherein stored value card belongs to business parnter company, and it also has user's electronic wallet account.In the case, reconciling notion will finish by send report back and forth between two companies.

The management of a plurality of stored value cards.

According to embodiments of the invention, the multi-functional IC-card of mobile device or mobile device inside can be managed an above user or user's electronic wallet.

Claims

1. one kind is used for the system that transmits by the electronic data between communication network (N) more than first communication facilities connected to one another (UMD) and more than second communication facilities (S1 is to S4),

Described more than first communication facilities (UMD) is portable electron device, its each free user carries and each described portable electron device comprises that first data that are connected to first memory member (EP) transmit control member and radio communication member, described radio communication member is suitable for communicating by letter with wireless mode with described more than second communication facilities (S1 is to S4) via described communication network (N)

Described more than second communication facilities (S1 is to S4) is positioned at the place, fixed position of communication network (N) separately, and comprises that second data that are connected to second memory member (EW) transmit control member,

Described more than first communication facilities, (UMD) described data transmit control member and are suitable for producing first and second kind of message and send it to described more than second communication facilities via described radio communication member, (S1 is to S4), described first kind message comprises that modification is stored in described first memory member, (EP) or the second memory member, the request of the value (EW) and customer identification information, and described second kind of message comprises and is stored in described first memory member, (EP) indication that the value in has been modified

Described more than second communication facilities, the described data transmission control member of (S1 is to S4) is suitable for receiving and analyzes from described more than first communication facilities, (UMD) first and second kind of message, check whether user identity permits inserting described second memory member, (EW), and produce the 3rd kind of message and send it to described more than first communication facilities via the radio communication member, (UMD), described the 3rd kind of message comprises that modification is stored in described first memory member, the indication of the value (EP) or electronic data transmit wrong indication

The described data of described more than first communication terminal (UMD) and described more than second communication terminal (S1 is to S4) transmit control member and are further adapted for to exchange messages through encrypted form.

2. the system that is used for the electronic data transmission according to claim 1 is characterized in that described first memory member (EP) is to implement with the form of IC logic microstructure.

3. the system that is used for the electronic data transmission according to claim 2, it is characterized in that described more than first communication facilities (UMD) further comprises coupling component, described coupling component can at random and provisionally be operated so that at least one equipment in described more than first communication facilities (UMD) and the independent data pen recorder (PT) that is positioned over the place, fixed position are coupled via coupling interface (W1), described data recording equipment (PT) comprises the member of the content of the described first memory member (EP) that comprises in the described equipment that reads when the described device coupled that is used at described more than first communication facilities (UMD) is to described data recording equipment (PT) in described more than first communication facilities (UMD), and is used for data are write member in the described first memory member (EP) of described equipment of described more than first communication facilities (UMD).

4. the system that is used for the electronic data transmission according to claim 1, the described first kind message that it is characterized in that at least the second equipment in described more than second communication facilities (S1 is to S4) that sent to by at least the first equipment in described more than first communication facilities (UMD) comprises the request that makes the value that is stored in the described first memory member (EP) increase specified quantitative

The described data of described second equipment transmit control member and are further adapted for agreement described second memory member (EW) so that make the value that is stored in the described second memory member (EW) reduce described specified quantitative, and comprise the 3rd kind of message that increases the indication that is stored in the described value in the described first memory member (EP) to described first equipment transmission, and

The described data of described first equipment transmit control member and are further adapted for agreement described first memory member (EP) so that make the value that is stored in the described first memory member (EP) increase described specified quantitative, and send second kind of message that comprises the indication that described first memory member (EP) has been modified to described second equipment.

5. according to claim 4ly be used for the system that electronic data transmits, it is characterized in that sending to described second equipment in described more than second communication facilities (S1 is to S4) and comprising that the described first kind message that makes the value that is stored in the described first memory member (EP) increase the request of specified quantitative is the transmission automatically when being lower than certain threshold level of described value in being stored in described first memory member (EP) by described first equipment in described more than first communication facilities (UMD).

6. the system that is used for the electronic data transmission according to claim 1, the described first kind message that it is characterized in that at least the second equipment in described more than second communication facilities (S1 is to S4) that sent to by at least the first equipment in described more than first communication facilities (UMD) comprises the request that makes the value that is stored in the described second memory member (EW) increase specified quantitative

The described data of described second equipment transmit control member and are further adapted for agreement described second memory member (EW) so that make the described value that is stored in the described second memory member (EW) increase described specified quantitative, and send the 3rd kind of message that comprises the indication that reduces to be stored in the value in the described first memory member (EP) to described first equipment, and

The described data of described first equipment transmit control member and are further adapted for agreement described first memory member (EP) so that make the described value that is stored in the described first memory member (EP) reduce described specified quantitative, and send second kind of message that comprises the indication that described first memory member (EP) has been modified to described second equipment.

7. the system that is used for the electronic data transmission according to claim 1, it is characterized in that described first, second further comprises identifier with the 3rd kind of message, and the described data of described more than first communication facilities (UMD) and described more than second communication facilities (S1 is to S4) transmit control member and are further adapted for the described identifier of record, check whether described message arrives with the message flow agreement order of determining, and write down any break event of described message flow agreement order.

8. the system that is used for the electronic data transmission according to claim 7, the described data transmission control member that it is characterized in that described more than first communication facilities (UMD) and described more than second communication facilities (S1 is to S4) is further adapted for the break event when detection has reached given number, and produces and send the system synchronization request of the state of the electronic data transportation protocol of removing given number.

9. the system that is used for the electronic data transmission according to claim 1, the described data that it is characterized in that described more than first communication facilities (UMD) transmit control member and are further adapted for and show the control member exchange of control information, so that provide actions menu in described more than first communication facilities (UMD), described actions menu shows can transmit option for the electronic data that described user uses, transmit message about the current and historical information of electronic data transmission, electronic data and the wrong or successful electronic data that is stored in the described first memory member (EP).

10. the system that is used for the electronic data transmission according to claim 1, it is characterized in that described more than second communication facilities (S1 is to S4) comprises the special-purpose at least electronic transaction communication server (S1), the described electronic transaction communication server (S1) is suitable for from described more than first communication facilities (UMD) reception with to the request of described more than first communication facilities (UMD) emission All Activity, described more than second communication facilities (S1 is to S4) is connected to center electron trading server (S2), described center electron trading server (S2) is suitable in the auxiliary encrypt/decrypt down of Key Management server (S3) and communicating by letter of described more than first communication terminal (UMD), and is suitable for checking, agree and revise the value of at least one the described second memory member (EW) that comprises in the virtual electronic wallet application server (S4).

11. be used for the system that electronic data transmits according to arbitrary claim in the claim 1 to 10 is described, it is characterized in that value described to be revised in described first memory member (EP) and/or the described second memory member (EW) is the value of indicating the amount of money that described user has with electronic form.

12. a portable electronic communications device (UMD), it comprises

First memory member (EP), it contains the money corresponding to the specified quantitative that is electronic form of user's electronics money wallet,

The wireless coupling member, its in order to via first wave point (W1) and independent data pen recorder (PT) coupling that is positioned over fixed position place being used to pay product or service,

The radio communication member, it is in order to communicating by letter with communication network (N) via second wave point (W2), and

Data transmit control member, and it is suitable for producing request message and described request message is sent to described communication network (N) to be used at transfer certain amount of electrons money between the network second memory member (EW) of the electronics money account that comprises described user and the described first memory member (EP).

13. a communication network (N), it comprises

Memory means (EW), it comprises the value of representative corresponding to the money of the specified quantitative that is electronic form of user's electronics money account,

The radio communication member, it is used for receiving the electronics pecuniary exchange request message from portable electronic communications device (UMD),

Be used to analyze and verify the member of described transaction request, and

Be used in the memory means (EP) of described portable electronic communications device (UMD) and can insert and comprise the member of the typical value of the electronics money that shifts specified quantitative between described user's the described memory means (EW) of electronic account via described communication network (N).

14. computer program, it can be from downloaded and/or before had been stored on the computer-readable media and/or can be carried out by processor, described computer program be characterised in that it comprise the code instructions that is used for the following from/read or write data to the first memory member (EP) of user's portable electronic communications device (UMD), described first memory member (EP) comprises the money corresponding to the specified quantitative that is electronic form of described user's electronics money wallet

Be created in the request of initial electronics pecuniary exchange between the memory means (EW) of the electronics money account that comprises described user of described first memory member (EP) and described communication network (N) and described request sent to network (N),

Reception is from the transaction response message of described communication network (N), and

Upgrade the electronics money remaining sum of described first memory member (EP).

15. the method that the electronic data that is used to be applicable to e-commerce transaction transmits said method comprising the steps of:

Portable electronic communications device (UMD) is sent in the request of initial electronic values transaction between the memory means (EW) of the electronic account that comprises described user (EW) of the memory means (EP) of the electronics money remaining sum that comprises the user of described portable electronic communications device and described communication network (N) to communication network (N) via wave point (W2)

The described transaction request of described communication network (N) reception, identification and the described portable electronic communications device of answer (UMD),

Described portable electronic communications device (UMD) upgrades the described electronics money remaining sum of described portable electronic communications device (UMD), and

Described communication network (N) upgrades the described memory means (EW) that comprises described electronic account.

16. method according to claim 15, it is characterized in that encrypting communicating by letter between described portable electronic communications device (UMD) and the described communication network (N), and verify described electronic transaction so that allow suitable transaction only between the device of authorizing mutually, to take place.

17. method according to claim 15 is characterized in that described wave point (W2) allows to surpass ten meters communicate by letter at least between described portable electronic communications device (UMD) and the described communication network (N).

18. method according to claim 15, the described request that it is characterized in that described portable electronic communications device (UMD) is the request that recharges the described memory means (EP) of described portable electronic communications device (UMD), and in response to described request, the value that described communication network (N) will be a certain amount of money of representative of electronic form is transferred to the described memory means (EP) of described portable electronic communications device (UMD).

19. method according to claim 18 sends to described communication network (N) automatically with described request when it is characterized in that electronic values in being stored in the described memory means (EP) of described portable electronic communications device (UMD) is lower than predetermined threshold.

20. the value that method according to claim 15, the described request that it is characterized in that described portable electronic communications device (UMD) are the described memory means (EP) from described portable electronic communications device (UMD) will be a certain amount of money of representative of electronic form is transferred to the request of the memory means (EW) of described communication network (N).