EP1550067A2 - Betriebsverfahren und system für das telekommunikationsgerät für elektronisches bargeld - Google Patents

Betriebsverfahren und system für das telekommunikationsgerät für elektronisches bargeld

Info

Publication number
EP1550067A2
EP1550067A2 EP03723409A EP03723409A EP1550067A2 EP 1550067 A2 EP1550067 A2 EP 1550067A2 EP 03723409 A EP03723409 A EP 03723409A EP 03723409 A EP03723409 A EP 03723409A EP 1550067 A2 EP1550067 A2 EP 1550067A2
Authority
EP
European Patent Office
Prior art keywords
electronic cash
mobile communication
communication device
portable mobile
electronic
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP03723409A
Other languages
English (en)
French (fr)
Other versions
EP1550067A4 (de
Inventor
Sungwoo Kim
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020020024307A external-priority patent/KR20030009117A/ko
Application filed by Individual filed Critical Individual
Publication of EP1550067A2 publication Critical patent/EP1550067A2/de
Publication of EP1550067A4 publication Critical patent/EP1550067A4/de
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Definitions

  • the present invention relates to a mobile communication device having an electronic cash function.
  • mobile communication devices include mobile phones, PDA (personal digital assistant) having a mobile communication function, IMT-2000 devices, wireless Internet devices, and mobile communication devices for shop.
  • Electronic cash of the present invention can be achieved through electronically recording a value of cash to a semiconductor chip or an electronic record medium and varying the value of cash according to use of electronic cash. That is, the amount of cash is recorded in the semiconductor chip or in the electronic record medium as electronic information.
  • a device having the above function is sometimes called "electronic wallet”.
  • the recharge means a process for electronically updating the balance of electronic cash electronically memorized in an electronic cash management company by subtracting recharged cash from the balance and for electronically adding the predetermined amount of cash to be recharged to the balance of electronic cash electronically memorized in a mobile communication device.
  • the reverse-recharge means a process for electronically updating the balance of electronic cash electronically memorized in the mobile communication device by subtracting reverse-recharged cash from the balance and for electronically adding the predetermined amount of cash to be reverse-recharged to the balance of electronic cash electronically memorized in the electronic cash management company.
  • the cash transfer means a process for electronically updating the balance of electronic cash electronically memorized in the mobile communication device of a first user by subtracting a predetermined amount of cash requested to be transferred from the balance and for electronically adding the predetermined amount of cash to the balance of electronic cash electronically memorized in the mobile communication device of a second user.
  • the payment transfer means a process for electronically updating the balance of electronic cash electronically memorized in the mobile communication device by subtracting a predetermined .
  • a non-contact type short distance wireless communication manner of the present invention means that two wireless communication devices directly exchange electronic signals with each other without utilizing a network.
  • Such wireless communication manner includes an RF (radio frequency) manner, an infrared communication manner, a local area network, and a bluetooth communication manner.
  • the wireless communication manner may be further developed as communication technology has become advanced.
  • prior arts relating to the wireless communication device will be described.
  • One of the prior arts is a mobile credit card approval terminal, in which a financial settlement function is added to the mobile communication device. That is, a credit card approval function is added to the mobile communication device.
  • a charge settlement system by using the mobile communication device called “mobile phone settlement system” has been widely spread in the Internet to settle a charge through the mobile communication device.
  • the above system is utilized in on-line settlement, such as Internet settlement.
  • the mobile communication device is used as an auxiliary device for "tele-banking or mobile phone internet banking” to perform the cash-transfer between accounts of banks.
  • the mobile communication device is not a storing device, so the mobile communication device has no recharge and reverse- recharge functions.
  • the mobile phone settlement system mainly performs a user identification function based on the phone number of the mobile communication device.
  • the mobile communication device acts as an auxiliary device for the financial transaction and electronic cash.
  • plastic card type electronic cash has been developed and used in an electronic cash field.
  • Plastic card type electronic cash is classified into magnetic tape type electronic cash and a semiconductor chip mounting type electronic cash depending on sorts of information storing devices as used.
  • plastic card type electronic cash has a space limitation when performing recharge and reverse-recharge functions of cash, and requires ATM or a recharge center as auxiliary devices, thereby resulting inconvenience.
  • the present invention has been made in view of the above-mentioned problems, and it is a first object of the present invention to provide a method and a system capable of conveniently recharging and reverse- recharging electronic cash in any place through a mobile communication device having a function of electronic cash without using a special purpose terminal.
  • a second object of the present invention is to provide a method and a system capable of directly/indirectly performing electronic cash transfer and payment transfer with a convenience manner, which cannot be achieved through a conventional electronic cash device in the form of a plastic card, by using a mobile communication device having a function of electronic cash.
  • a third object of the present invention is to provide a method and a system capable of electronically performing recharge, reverse-recharge, cash-transfer, and payment transfer of electronic cash in a convenience manner similar to those of conventional paper money and coil.
  • a fourth object of the present invention is to provide a method and a system capable of easily checking the present balance and transaction details by using record recorded in a record medium accommodated in a mobile communication device having an electronic cash function.
  • a fifth object of the present invention is to provide a method and a system capable of ensuring anonymity and protecting privacy of users while keeping conventional customs and rules to allow persons , who prefer to anonymity and privacy provided by conventional money, to use electronic cash.
  • a sixth object of the present invention is to provide a method and a system capable of improving reliability of transactions by allowing users to visually check the transaction process of electronic cash including recharge, reverse-recharge, cash- transfer, and payment-transfer processes.
  • a seventh object of the present invention is to provide a management method and an operating system of electronic cash used in the mobile communication device, mobile communication network, Internet network, electronic cash management company computer, and electronic cash terminal of a store.
  • an electronic cash operating system including a first user's mobile communication device, a second user's mobile communication device, an electronic cash terminal of a store, a mobile communication network, an Internet network, and a computer system of an electronic cash management company.
  • the computer system of an electronic cash management company includes ARS and SMS, a home page server, and a computer.
  • the first and second user's mobile communication devices include a receiving/transmitting device, a screen, an input device, information controlling, calculating and recording device, and an external interface.
  • the electronic cash terminal of a store includes components the same as the first and second user's mobile communication devices.
  • FIG. 1 is a block view showing management method and operating system of electronic cash
  • FIGS. 2A and 2B are views showing working flows for recharging electronic cash according to a preferred embodiment of the present invention
  • FIGS. 3A and 3B are views showing working flows for reverse-recharging electronic cash according to a preferred embodiment of the present invention
  • FIGS. 4A and 4B are views showing working flows of a cash-transfer of electronic cash according to a preferred embodiment of the present invention.
  • FIGS. 5 and 6 are views showing working flows of a payment-transfer of electronic cash according to a preferred embodiment of the present invention.
  • a first embodiment of the present invention relates to a method for recharging electronic cash to a user's mobile communication device by receiving electronic cash from an electronic cash management company or a financial agency having user's account information through a mobile communication network, when the user wants to increase the balance of electronic cash stored in the user's mobile communication device by withdrawing money from the account stored in the electronic cash management company or the financial agency.
  • the user having a mobile communication device B105 accesses to the ARS (automatic response system) and SMS (short message servers; B109) through a mobile communication network BIO6 so as to recharge electronic cash to the mobile communication device B105 by receiving electronic cash from a system B107 of the electronic cash management company. Then, a message of the SMS (for example, Do you want to continue a recharge?) is sent to a screen B101 of the mobile communication device B105. At this time, the user inputs a number of user's account and an amount of cash to be recharged by using an input device B102 of the user's mobile communication device B105.
  • ARS automated response system
  • SMS short message servers
  • an information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines whether or not the amount of electronic cash to be recharged matches with the predetermined limitation and regulation. If the information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines that the amount of electronic cash to be recharged matches with the predetermined limitation and regulation, the user's mobile communication device B105 provides the present balance of electronic cash and a number A101 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device BIO3 to the system BIO7 of the electronic cash management company through the mobile communication network BIO6 together with a number of the account and the amount of electronic cash to be recharged.
  • a computer B108 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not withdrawal from the account is possible. In this step, if approval of withdrawal is allowed, the computer B108 of the electronic cash management company adds recharged electronic cash to the present balance of electronic cash recorded in the user's mobile communication device B105. Then, the system B107 of the electronic cash management company sends total balance information and recharge finish information to the user's mobile communication device B105 through the mobile communication network B106. According to the present invention, this step can be carried out by means of special characters or symbols . In addition, when information regarding the electronic cash balance is received, a receiver's system may regard it as a recharge finish notification.
  • the recharge finish notification means the electronic rules between a receiver and a transmitter notifying that the recharge step is normally carried out.
  • the user's mobile communication device B105 updates present balance information stored in the information controlling, calculating and recording device B103 by adding recharged electronic cash to the present balance and stores information in connection with the recharge work including a recharge date, a recharge time, an amount of recharged electronic cash, and the account number in the information controlling, calculating and recording device B103.
  • the user's mobile communication device B105 displays an image notifying the finish of the recharge work in a screen B101. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the recharge work.
  • the information controlling, calculating and recording device B103 of the user's mobile communication device B105 can perform the function for adding recharged electronic cash to the present balance, instead of the computer BIO8 of the electronic cash management company.
  • the present balance information is omitted when the user's mobile communication device B105 sends information into the system BIO7 of the electronic cash management company.
  • total balance information is omitted when the system B107 of the electronic cash management company sends information into the user's mobile communication device B105.
  • the work for adding recharged electronic cash to the present balance is carried out after the recharge finish notification is sent to the user's mobile communication device B105 from the system B107 of the electronic cash management company. At this time, the present balance of electronic cash recorded in the user's mobile communication device B105 is updated while being increased by the user's mobile communication device B105.
  • a second embodiment of the present invention relates to a method for reverse- recharging electronic cash to the account stored in an electronic cash management company or a financial agency having user's account information through a mobile communication network, when the user wants to reduce the balance of electronic cash stored in the user's mobile communication device and save money in the account.
  • the user having the mobile communication device B105 accesses to the ARS and SMS B109 through the mobile communication network B106 so as to reverse- recharge electronic cash to the system B107 of the electronic cash management company. Then, the user inputs a number of user's account and an amount of cash to be reverse-recharged by using an input device B102 of the user's mobile communication device B105 corresponding to messages transmitted to the screen B101 of the users mobile communication device B105 from the electronic cash management company. Then, the user's mobile communication device B105 determines whether or not an amount of electronic cash to be reverse-recharged matches with the predetermined limitation and regulation.
  • the user's mobile communication device B105 determines that the amount of electronic cash to be reverse-recharged matches with the predetermined limitation and regulation, the user's mobile communication device B105 provides the present balance of electronic cash and a number A103 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device B103 to the system B107 of the electronic cash management company through the mobile communication network B106 together with the number of the account and the amount of electronic cash to be reverse-recharged. Then, the computer B108 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not save of electronic cash is possible.
  • the computer B108 of the electronic cash management company subtracts electronic cash to be reverse-recharged from the present balance of electronic cash recorded in the user's mobile communication device B105. Then, the system B107 of the electronic cash management company sends total balance information and reverse-recharge finish information to the user's mobile communication device B105 through the mobile communication network B106.
  • the user's mobile communication device B105 updates present balance information stored in the information controlling, calculating and recording device B103 by subtracting reverse-recharged electronic cash from the present balance and stores information in connection with the reverse-recharge work including a reverse-recharge date, a reverse-recharge time, an amount of reverse-recharged electronic cash, and the account number in the information controlling, calculating and recording device B103.
  • the user's mobile communication device B105 displays an image notifying the finish of reverse-recharge work in the screen B101. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the reverse-recharge work.
  • the information controlling, calculating and recording device B103 of the user's mobile communication device B105 can perform the function for subtracting reverse-recharged electronic cash from the present balance, instead of the computer B108 of the electronic cash management company.
  • present balance information is omitted when the user's mobile communication device B105 sends information into the system BIO7 of the electronic cash management company.
  • total balance information is omitted when the system B107 of the electronic cash management company sends information into the user's mobile communication device B105.
  • the work for subtracting reverse-recharged electronic cash from the present balance is carried out after the reverse-recharge finish notification is sent to the user's mobile communication device B105 from the system B107 of the electronic cash management company.
  • the present balance of electronic cash recorded in the user's mobile communication device B105 is updated while being reduced by the user's mobile communication device B105.
  • a third embodiment of the present invention relates to a method for transferring electronic cash stored in the- mobile communication device of a first user to the mobile communication device of a second user, if the first user wants to give electronic cash to the second user.
  • the third embodiment of the present invention can be adapted when two mobile communication devices are arranged while making contact with each other or arranged within a range capable of communicating with each other without using a mobile communication network. Firstly, the first and second users switch an operating mode of mobile communication devices B105 and B 113 into an electronic cash-transfer mode. Then, the first user inputs an amount of electronic cash to be transferred by using the input device B102 according to messages displayed in the screen BlOl of the mobile communication device B105.
  • the mobile communication devices B105 and B113 of the first and second users are arranged to make contact with each other or to be adjacent to each other. Then, . the mobile communication device B105 of the first user checks whether or not an amount of electronic cash to be transferred matches with the predetermined limitation and regulation. If the amount of electronic cash to be transferred properly matches with the predetermined limitation and regulation, the mobile communication device B105 of the first user sends information regarding electronic cash to be transferred and the number of the mobile communication device B105 of the first user to the mobile communication device B113 of the second user through an external interface B104. As mentioned above, the external interface B104 transfers information through making contact with the mobile communication device B105 (contact type) or through infrared ray, RF signals and the likes (non-contact type).
  • the mobile communication device B113 of the second user receives information through its external interface B104.
  • the mobile communication device B113 of the second user temporarily stores information in the information controlling, calculating and recording device B103, and sends information regarding the number of the mobile communication device of the second user and a partial finish notification A106 of electronic cash-transfer to the mobile communication terminal B105 through the external interface B104 thereof.
  • the external interface B104 of the mobile communication device B113 transfers information through making contact with the mobile communication device B113 (contact type) or through infrared ray, RF signals and the likes (non- contact type).
  • the mobile communication terminal B105 of the first user again checks whether or not the transaction is normally carried out in match with the predetermined limitation and regulation. If the transaction is normally carried out in match with the predetermined limitation and regulation, the mobile communication terminal B105 of the first user sends a finish notification A107 of electronic cash-transfer to the second user through the external interface B104. After that, the mobile communication terminal B105 of the first user sends information regarding electronic cash calculated by subtracting transferred electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103, and the mobile communication device B113 of the second user sends information regarding electronic cash calculated by adding transferred electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating the present balance information stored in the information controlling, calculating and recording device B103.
  • each mobile communication device stores information in connection with the electronic cash-transfer working including an electronic cash-transfer date, an electronic cash-transfer time, an amount of transferred electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, each mobile communication device displays an image notifying the finish of electronic cash-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the electronic cash-transfer work. If it is required to ensure anonymity of users, the number of each mobile communication device is not transmitted to the other mobile communication device.
  • a fourth embodiment of the present invention relates to a method for transferring electronic cash stored in the mobile communication device of the first user to the mobile communication device of the second user, if the first user wants to give electronic cash to the second user.
  • the first user makes a call to the mobile communication device B113 of the second user through the mobile communication network by using the mobile communication device B105 of the first user.
  • the first and second users switch an operating mode of mobile communication devices B105 and B 113 into an electronic cash-transfer mode.
  • the first user inputs an amount of electronic cash to be transferred by using the input device B102 according to messages displayed in the screen BlOl of the mobile communication device B105.
  • the mobile communication device B105 of the first user checks whether or not an amount of electronic cash to be transferred properly matches with the predetermined limitation and regulation.
  • the mobile communication device B105 of the first user sends information regarding electronic cash to be transferred and the number A105 of the mobile communication device B105 of the first user to the mobile communication device B113 of the second user through an external interface B106.
  • the mobile communication device B113 of the second user temporarily stores information in the information controlling, calculating and recording device B103, and sends information regarding the number of the mobile communication device of the second user and a partial finish notification A108 of electronic cash-transfer to the mobile communication terminal B105 through the external interface B106. Then, the mobile communication terminal B105 of the first user again checks whether or not the transaction is normally carried out in match with the predetermined limitation and regulation.
  • the mobile communication terminal BIO5 of the first user sends a finish notification A107 of electronic cash-transfer to the second user through the external interface B106.
  • the mobile communication terminal B105 of the first user sends information regarding electronic cash calculated by subtracting transferred electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103
  • the mobile communication device B113 of the second user sends information regarding electronic cash calculated by adding transferred electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating present balance information stored in the information controlling, calculating and recording device B103.
  • each mobile communication device stores information in connection with the electronic cash- transfer work including an electronic cash-transfer date, an electronic cash-transfer time, an amount of transferred electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, each mobile communication device displays an image notifying the finish of electronic cash-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the electronic cash-transfer work. If it is required to ensure anonymity of users, the number of each mobile communication device is not transmitted to the other mobile communication device.
  • a fifth embodiment of the present invention relates to a method for paying a charge after purchasing products or using services by transferring electronic cash from a user's mobile communication device to an electronic cash terminal of a store or a shop.
  • the fifth embodiment of the present invention can be adapted when two mobile communication devices are arranged while making contact with each other or arranged within a range capable of communicating with each other without using a mobile communication network. Firstly, a clerk of the store displays a charge to be paid on a screen B 101 of an electronic cash terminal B114 installed at a cash counter and switches an operating mode of the electronic cash terminal B114 into a payment-transfer mode. In addition, the user also switches an operating mode of the mobile communication device B105 into a payment-transfer mode.
  • the user inputs an amount of electronic cash to be paid by using the input device B102 according to messages displayed in the screen BlOl of the mobile communication device B105.
  • the mobile communication device B105 is arranged to make contact with the electronic cash terminal B114, or to be adjacent to the electronic cash terminal B114.
  • the mobile communication device B105 of the user checks whether or not an amount of electronic cash to be paid matches with the predetermined limitation and regulation. If the amount of electronic cash to be paid properly matches with the predetermined limitation and regulation, the mobile communication device B105 of the user sends information regarding electronic cash to be transferred and the number A109 of the mobile communication device B105 of the user to the electronic cash terminal B114 of the store through an external interface B104 thereof.
  • the external interface B104 transfers information through making contact with the mobile communication device B105 (contact type) or through infrared ray, RF signals and the likes (non-contact type) . Then, the electronic cash terminal B114 of the store receives information through its external interface B104. Upon receiving information, the electronic cash terminal B114 temporarily stores information in the information controlling, calculating and recording device B103, and sends information regarding a name of the store and a number of the electronic cash terminal B114 and a partial finish notification A110 of electronic cash-transfer to the mobile communication terminal B105 through the external interface B104 thereof. Then, the mobile communication terminal B105 of the user again checks whether or not the transaction is normally carried out in match with the predetermined limitation and regulation.
  • the mobile communication terminal B105 of the user sends a finish notification A107 of electronic cash-transfer to the electronic cash terminal B114 through the external interface B104 thereof.
  • the mobile communication terminal BIO5 of the user sends information regarding electronic cash calculated by subtracting transferred electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103
  • the electronic cash terminal B114 sends information regarding electronic cash calculated by adding transferred electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating present balance information stored in the information controlling, calculating and recording device B103.
  • each of mobile communication device B105 and electronic cash terminal B114 stores information in connection with the payment-transfer work including a payment-transfer date, a payment-transfer time, an amount of payment, and a device identification code in the information controlling, calculating and recording device B103.
  • each of the mobile communication device and electronic cash terminal displays an image notifying the finish of payment-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the payment-transfer work. If it is required to ensure anonymity of users, the number of the mobile communication device is not transmitted into the electronic cash terminal of the store. In order to ensure privacy of the users, a manufacturing number of the mobile communication device, instead of the number of the mobile communication device, can be transmitted into the electronic cash terminal of the store.
  • a sixth embodiment of the present invention relates to a method for checking present balance information of electronic cash recorded in a mobile communication device of the user.
  • the sixth embodiment is carried out in a simple manner. Firstly, the user switches an operation mode of a mobile communication device B105 into a balance- checking mode to check present balance information of electronic cash. Then, the user operates an input device B102 according to messages displayed on a screen BlOl of the mobile communication device B105. As a results the mobile communication device B105 displays the present balance on the screen BlOl of the mobile communication device B105 by reading present balance information recorded in an information controlling, calculating and recording device B103.
  • the above function and structure are also applied to an electronic cash terminal of a store.
  • a seventh embodiment of the present invention relates to a method for checking transaction details of electronic cash recorded in a mobile communication device of the user.
  • the seventh embodiment is also carried out in a simple manner. Firstly, the user switches an operation mode of a mobile communication device B105 into a transaction detail-checking mode to check transaction details of electronic cash. Then, the user operates an input device B102 according to messages displayed on a screen BlOl of the mobile communication device B105.
  • the mobile communication device B105 displays transaction details on the screen BlOl of the mobile communication device BIO5 by reading information regarding the transaction date and time, an amount of electronic cash used in the transaction, an account number, and a number of mobile communication device or an identification code of the electronic cash terminal of the store recorded in an information controlling, calculating and recording device B103.
  • the above function and structure are also applied to the electronic cash terminal of the store.
  • An eighth embodiment of the present invention relates to a method for recharging electronic cash to a user's mobile communication device by receiving electronic cash from an electronic cash management company or a financial agency having user's account information through an Internet network, when the user wants to increase the balance of electronic cash stored in the user's mobile communication device by withdrawing money from the account stored in the electronic cash management company or the financial agency.
  • the user having the mobile communication device B105 accesses to a home page server B112 of the electronic cash management company through an Internet network Bill so as to recharge electronic cash to the mobile communication device B105 by receiving electronic cash from a system B107 of the electronic cash management company. Then, the user inputs a number of user's account and an amount of cash to be recharged corresponding to a home page menu displayed on a screen BlOl of the user's mobile communication device B105 by using an input device B102 of the user's mobile communication device B105. Then, an information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines whether or an amount of electronic cash to be recharged properly matches with the predetermined limitation and regulation.
  • the user's mobile communication device BIO5 provides the present balance of electronic cash and a number A101 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device B103 to the system B107 of the electronic cash management company through the Internet network Bill together with a number of the account and the amount of electronic cash to be recharged. Then, a computer BIO8 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not withdrawal from the account is possible.
  • the computer B108 of the electronic cash management company adds recharged electronic cash to the present balance of electronic cash recorded in the user's mobile communication device B105.
  • the system B107 of the electronic cash management company sends total balance information and a recharge finish notification A102 to the user's mobile communication device B105 through the Internet network Bill.
  • the user's mobile communication device B105 updates present balance information recorded in the information controlling, calculating and recording device B103 by adding recharged electronic cash to the present balance and stores information in connection with the recharge work including a recharge date, a recharge time, an amount of recharged electronic cash, and the account number in the information controlling, calculating and recording device B103.
  • the user's mobile communication device BIO5 displays an image notifying the finish of the recharge work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the recharge work.
  • the information controlling, calculating and recording device B103 of the user's mobile communication device B105 can perform the function for adding recharged electronic cash to the present balance, instead of the computer B108 of the electronic cash management company.
  • a ninth embodiment of the present invention relates to a method for reverse- recharging electronic cash to the account stored in an electronic cash management company or a financial agency having user's account information through an Internet network, when the user wants to reduce the balance of electronic cash stored in the user's mobile communication device and save money in the account.
  • the user having the mobile communication device B105 accesses to a home page server B112 of the electronic cash management company through an Internet network Bill so as to reverse-recharge electronic cash to the system B107 of the electronic cash management company. Then, the user inputs a number of user's account and an amount of cash to be reverse-recharged by using an input device B102 of the user's mobile communication device B105 corresponding to a home page menu transmitted to the screen BlOl of the users mobile communication device B105 from the electronic cash management company. Then, the user's mobile communication device B105 determines whether or not an amount of electronic cash to be reverse-recharged properly matches with the predetermined limitation and regulation.
  • the user's mobile communication device B105 determines that the amount of electronic cash to be reverse-recharged properly matches with the predetermined limitation and regulation, the user's mobile communication device B105 provides the present balance of electronic cash and a number A103 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device B103 to the system B107 of the electronic cash management company through the Internet network Bill together with the number of the account and the amount of electronic cash to be reverse-recharged. Then, the computer BIO8 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not save of electronic cash is possible.
  • the computer B108 of the electronic cash management company subtracts electronic cash to be reverse-recharged from the present balance of electronic cash recorded in the user's mobile communication device B105.
  • the system B107 of the electronic cash management company sends total balance information and reverse-recharge finish information to the user's mobile communication device B105 through the Internet network Bill.
  • the user's mobile communication device B105 updates present balance information stored in the information controlling, calculating and recording device B103 by subtracting reverse-recharged electronic cash from the present balance and stores information in connection with the reverse-recharge work including a reverse- recharge date, a reverse-recharge time, an amount of reverse-recharged electronic cash, and the account number in the information controlling, calculating and recording device B103.
  • the user's mobile communication device BIO5 displays an image notifying the finish of reverse-recharge work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the reverse-recharge work.
  • the information controlling, calculating and recording device BIO3 of the user's mobile communication device B105 can perform the function for subtracting reverse-recharged electronic cash from the present balance, instead of the computer B108 of the electronic cash management company.
  • a tenth embodiment of the present invention, as shown in FIG. 6, is similar to the fifth embodiment of the present invention, except that the user does not input an amount of charge to be paid through the mobile communication device, but simply approve the charge suggested by the electronic cash terminal of the store in order to reduce time required for a settlement procedure .
  • a clerk of the store displays a charge to be paid on a screen B 101 of an electronic cash terminal B114 installed at a cash counter and switches an operating mode of the electronic cash terminal B114 into a payment-transfer mode.
  • the user also switches an operating mode of the mobile communication device B105 into a payment-transfer mode.
  • the mobile communication device B105 is arranged to make contact with the electronic cash terminal B114, or to be adjacent to the electronic cash terminal B114..
  • the mobile communication device BIO5 of the user sends a signal to the electronic cash terminal B114, notifying that the mobile communication device BIO5 is ready for receiving information.
  • the electronic cash terminal B114 sends information regarding an amount of electronic cash to be paid and a device identification code Alll of the electronic cash terminal B114 to the mobile communication device B105 of the user.
  • the mobile communication device B105 of the user Upon receiving information from the electronic cash terminal B114, the mobile communication device B105 of the user checks whether or not the charge to be paid is normally counted. If the charge is normally counted, the mobile communication device B105 of the user sends information regarding the number A109 of the mobile, communication device B105 of the user and a partial finish notification A112 to the electronic cash terminal B114 of the store through an external interface B104 thereof, and temporarily stores the charge to be paid and the identification code of the electronic cash terminal B114 in the information controlling, calculating and recording device B103.
  • the external interface B104 transfers information through making contact with the mobile communication device B105 (contact type), or through infrared ray, RF signals and the likes (non- contact type) .
  • the electronic cash terminal B114 receives information through an external interface B104 thereof and temporarily stores information in the information controlling, calculating and recording device B103. After that, the electronic cash terminal B114 sends a finish notification All3 to the mobile communication device B105 through the external interface B104 thereof. Then, the mobile communication terminal BIO5 of the user sends information regarding electronic cash calculated by subtracting paid electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103, and the electronic cash terminal B114 sends information regarding electronic cash calculated by adding paid electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating present balance information stored in the information controlling, calculating and recording device B103.
  • each of mobile communication device B105 and electronic cash terminal B114 stores information in connection with the payment-transfer work including a payment-transfer date, a payment-transfer time, an amount of payment, and a device identification code in the information controlling, calculating and recording device B103. After that, each of the mobile communication device and electronic cash terminal displays an image notifying the finish of payment-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the payment-transfer work.
  • the number of the mobile communication device is not transmitted into the electronic cash terminal of the store, or a manufacturing number of the mobile communication device, instead of the number of the mobile communication device, is transmitted into the electronic cash terminal of the store.
  • the external interfaces B104 of the mobile communication device B105 and the electronic cash terminal B114 are divided into a contact type and a non-contact type depending on an electric signal transferring manner thereof.
  • the non-contact type external interface includes an infrared ray transferring type, an RF signal transferring type, a bluetooth type, and a wireless LAN type.
  • One of the above types or combination of the above types can be selectively used.
  • the input device B102 installed in the mobile communication device BIO5 and the electronic cash terminal B114 of the store includes a button-type input device and a touch screen-type input device. It is possible to selectively use one of the button-type and touch screen-type input devices, or to simultaneously use the button-type and touch screen-type input devices .
  • the mobile communication device is equipped with an electronic cash function so that the recharge, reverse-recharge, cash-transfer, and payment- transfer processes are conveniently carried out without being interrupted by space-time limitations, thereby allowing electronic cash to be widely used.
  • electronic cash of the present invention has a transaction process similar to that of convention paper money and coil so that the users, who have used card- type electronic cash or mobile phone settlement-type electronic cash for performing an on-line settlement in the Internet, may adopt the system of the present invention to use electronic cash, instead of conventional money, in off-line.
  • electronic cash can be used without providing ATM.
EP03723409A 2002-05-02 2003-05-02 Betriebsverfahren und system für das telekommunikationsgerät für elektronisches bargeld Withdrawn EP1550067A4 (de)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
KR2002024307 2002-05-02
KR1020020024307A KR20030009117A (ko) 2001-07-19 2002-05-02 전자화폐 기능을 갖는 이동통신 기기를 사용한 전자화폐운용 방법 및 시스템
PCT/KR2003/000889 WO2003092348A2 (en) 2002-05-02 2003-05-02 The operational method and system of the telecommunication device for the electronic cash

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EP1550067A2 true EP1550067A2 (de) 2005-07-06
EP1550067A4 EP1550067A4 (de) 2006-06-07

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EP (1) EP1550067A4 (de)
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CA2624981C (en) 2005-10-06 2017-06-13 C-Sam, Inc. Three-dimensional transaction authentication
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WO2003092348A2 (en) 2003-11-13
AU2003235192A1 (en) 2003-11-17
AU2003235192A8 (en) 2003-11-17
WO2003092348A3 (en) 2003-12-11

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