TW540002B - Credit information processing system and method for a wireless communication system - Google Patents

Abstract

The present invention is applied in a wireless communication system to develop a credit information processing system and method. The system user needs to complete recording the unique ID code of its wireless communication SIM card into the database of the information processing system, which is used as a base for verifying an identify when the user operates the present system to perform the credit information processing function. The system has a credit information processing server and a database constructed in the wireless communication network. The user can enter the present system via a wireless communication transmission path such as voice service or WAP interface, so as to purchase valuable credit information and further transfer part of the credit information processing, such as purchase or grant. The system of the present invention will automatically generate the information recorded in the wireless communication bill of the user for paying the fee.

Description

540002 V. Description of the Invention (1) [Technical Field of the Invention] The present invention relates to a stored value information processing system and method. More specifically, the present invention is a wireless communication application environment (wire 1 ess C ommunicati ο n A pp 1 icati ο η E nvir ο nment) 'hunting by wireless communication interface devices (Wireless) such as general mobile phones, WAP phones, or PDA (Personal Digital Assistant)

Communication Interface Device), using interactive communication language (I V R) or W A P and other communication paths, combined with the function of the accounting system (β η 1 i n g) to develop mobile communication stored-value information for wireless communication interface devices

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Today's line communication devices and PDAs have been gradually installed, including general mobile phones, WAP hand straps, helmets and more, and most people carry the special characteristics of the device wherever they go. Cooking 2δί1 interface device, if the wireless communication interface point can be used to propose a suitable solution to the problem of the similar consumption behavior may arise in the life / consumption energy solution, θ for the future will be mobile commerce transactions. A big benefit.

When encountering what they have: ::: consumers who want to spend at a merchant or shop without accepting a credit card are not enough, and do not bring a credit card or the merchant has a single order = = because the telecommunications operator and the merchant have carried out a U mobile phone or m Waiting for wireless communication to enable the second hunter to integrate the mobile phone and WAP k accounting system, and use wireless communication to transmit and process the processor, and wait for the transaction content to be confirmed. 2 The payment information will be sent to the merchant's wireless communication service. (1) It is expected that the transaction amount will be deducted from the value of 1 p, and this consumption will be successfully completed. ：: You can solve the dilemma of 4 consumers facing cashless or credit card transactions. ° When = is missing the living expenses of small amount of money, and when you want to give gifts, 'If relatives and friends are far away or there is a lack of time, transfer to courier, money order or automatic teller machine. It can be completed in two to seven days, not to mention that the lender or mortgagor must also find a financial institution or an automatic teller machine to claim the money. , / 、, Japan ’s other purpose in April ’is to resolve the inconvenience of remittance or transfer procedures and

540002

540002 V. Description of the invention (4) The full mechanism sent by the personalization plane is sufficient for the utilization of the identification code in the wireless application ring to touch the information processing system to provide credit card information and the security mechanism with the invention. The user on the information processing system card can identify the status of his own communicator, such as using it to identify authenticity. The product, the confidential source of the business, the communication interface confirmation of the business, or the merchant will not be resolved by the system action electronic e-commerce. The signature of the electronic information used for the credit card will be transmitted to the personal information. The use of wireless remote server in mobile power environment can enable consumers to conduct transaction supervision, which will be progressive. Yet another purpose is to provide a way to make transactions on the basis of mobile code, to conduct credit card transactions, and whether cardholders can use these wireless communications to cooperate with password authentication. In the process, the SIM card provided by the present invention has the sole purpose of sending / recording / processing the information to confirm the correctness of the data by the credit card itself or the development of commerce. It is used in the wireless communication network to use mobile communication SIM Whether the user recognizes the problem by himself and avoids stealing, the confirmation method is not easy to be derived from the merchant's information [Summary of the Invention] ^ The present invention is applied to the development of a stored-value information production system and method in a wireless communication system. First complete the information registration in the information processing system. Registration of the wireless communication SIM card ’s unique identification code and password are used as the basis for the user to operate the system to implement the X-point authentication of the stored value information processing function. This system is set up in the wireless communication network. One storage ^ second processing server (Server) and database, and users can use voice 1 =

54UUU2 V. Description of the invention (5) " ^ or WAP "and other wireless communication transmission channels enter the stored value information of this price, and further systematize, apply for = or gift 'and the system of the present invention will automatically generate a record; If you purchase the telecommunications bill, you will pay the fee. 以 The user ’s wireless vendor iL: The merchant who joins this system must first enter the merchant code and product code in this system information. Then it will be given to it by the feeder. When the hotline communication user spends or purchases cards at the merchant, he can use the wireless communication interface.

Autobiography 钤 +: Enter the product code, and the server will deduct the stored value information of the relevant C user. After conscientious, directly from the wireless communication users want to transfer their stored value information to other users of the system, such as can, s, A package ^ $ 锝 锝 锝 recorded in the information processing f ^ ^ ... line of the present invention "Tunxun" surface device dialed into the stored value and previously notified the display user of the wireless communication interface of Yaxian that other users === information processing system and method, which can be used to make wireless communication, etc. ;: Pay directly when there is enough cash or the credit card lacks fees; and can be used by other users ^ φ ιν 4 f to access the stored value information and transfer immediately; Second: the urgent need of money Communications business transactions will help.

540002 V. Description of the invention (6) [Schematic labeling explanation] 1, 4 --- M line communication interface 2 --- A side gateway system 3 --- Weijia server 5 --- Stored value information processing server Device 6 --- Database 7 --- 1 Account and billing system 8 --- Interactive voice system 9 --- WAP gateway system 10 --- Wireless communication network system 11 ---% exchange Center 12 --- & Floor 13 --- M line communication network switching center 20 --- Internet [Detailed description of the invention] Although the present invention will be described with reference to the drawings containing the preferred embodiment of the present invention Fully described, but before this description, it should be understood that those familiar with the industry can modify the invention described in this article while obtaining the effects of the invention. Therefore, it should be understood that the following description is a broad disclosure for those familiar with the art of the Bank, and its content is not intended to limit the present invention. The following is an extended description of techniques related to the background of the invention. Although readers with skilled experience and knowledge may choose to skip or even not read the following background information, understanding this information can further master the specific implementation of the present invention, and it is recommended to read it carefully.

01P0117.ptd Page 9 540002 V. Description of the Invention (7) First, referring to Figure 1, a general wireless communication network system architecture diagram is shown. In general, the current GS Μ mobile communication system is limited to the range of the wireless communication network 10, and a plurality of mobile switching centers (Mobi le Switching Center) ll maintain the information of all mobile phone users in the range, of which the mobile telephone switching center 1 1 Connect at least one base station 12 through the base station controller to communicate with the mobile mobile phone 1 freely; and the information of the WA p mobile phone in the mobile phone wireless communication network 10 is transmitted by the mobile phone switching center 11 to WAP gateway system 2, which performs inter-working between the wireless communication network 10 and the Internet 20, so that the WAP mobile phone 1 can communicate with the Internet Information contact. Therefore, the WAP application server 3 (WAP Application Server) on the Internet 20 can provide information on business content to the WAP mobile phone 1. Among them, according to different functions of the mobile phone, the wireless communication application environment includes the mobile communication voice platform (IVR Platform), or the mobile communication short message platform or the WAP platform. These platforms can use the intelligent user identification function to enable mobile communication. When the user's mobile phone is connected to the Internet, an identification code (C a 1 1 ing ID) can be obtained to authenticate the user's identity. The identification code is unique and can be used to dial the mobile phone number (Mobile Dial Number) or mobile phone of the user. Mobi le Subscriber Integrated Service Digital Network Number 〇 The method and information processing system of the wireless communication stored-value information processing system and the information processing system of the present invention will use this intelligent user identification function to obtain a wireless communication interface to connect to the Internet. The unique identification code and the user password logged in the system of the present invention, according to

OiPOin.ptd Page 10 540002 V. Description of the invention (8) Consumers and merchants of wireless communication business transactions can obtain the confirmation of the correctness of each other's information and the security of the transaction through the system. In the following, the method of the wireless communication stored-value information processing system of the present invention will be further explained. Please refer to FIG. 2 for a system architecture diagram of the stored value information processing system of the present invention. The stored-value information processing system of the present invention sets up a stored-value information processing feeder 5 on the current wireless communication network ^ system 10's message transmission path, and its database 6 records users who join the stored-value information processing system. M card unique identification code, password and stored value information limit of the user, database 6 and records the merchant code, product code, price and other information added to the system, users can directly generate the transaction price by entering the product code Records; therefore, users who join the system of the present invention can use the wireless communication interface i, direct, and $ wireless communication network system 10 to connect to the stored value information processing server 52. In addition, the word server 5 connects the account and the ten fee system 7 to generate a purchase record. The spear is the performance of McCourt Figure 2. When the user makes a purchase in the merchant, the online communication interface 1 dials out the short code to activate the stored value information office /, and can receive this message through the silent processing server 5. After the stored-value asset is authorized ', enter the transaction message; enter the password to send the message to the merchant server 3, and wait for the merchant to confirm that the person 5 will send the transaction back to the confirmation message from the server 3. After receiving the stored value exchange message, the server 5 directly deducts the second management server 5 from the stored value information quota, and the completed message is transmitted to the user ’s wireless communication ^ After the transaction is completed, the transaction record is recorded. Produced in the accounting and business feeders 3, ° 丨 Beishitong 7.

0lp〇117.ptd 540002 V. Description of the invention (9) Continue to refer to Figure 2. When the user wants to transfer his stored value information to other users' wireless communication interface, dial out a short code to start the stored value information processing flow, and connect to The stored value information processing server 5 enters the password of another user and the stored value information amount to be transferred after entering the password to obtain authorization, and the server 5 deducts its transfer from the stored value information amount of the transferred user. After the transfer amount, add the transferred amount to the gifted user's stored value information limit. In addition, in addition to recording the stored value information of the temple server 5 in the database 6, and transmitting the completed stored value information to the wireless communication interface 1 of the transfer user and the wireless communication interface 4 of the gifted user, and Lu Ji recorded by the accounting and billing system 7 is recorded in the telecommunications bill. In one embodiment of the present invention, a user who wants to use the stored value information processing system can use the wireless communication interface 1 to connect to the system of the present invention through an interactive conversation voice system 8 or a WAP idle channel system 9; The stored value information processing feeder 5 can read the unique identification code ^ from the message dialed out by the wireless communication interface 1, except that the unique identification code of the user's IM card is stored in the data ^ 6, and the user is given a preview. Set a password and give the user the right to change the = code afterwards, and complete the login process. After completing the login procedure, the user can use the wireless communication interface 1 to start the stored-value information processing process, and through the interactive conversation voice system 8 to process the stored-value information and lose his password to obtain authorization, the temple server 5 will check For this use; ^ = card ^ ϋ After the identification code and the password entered are in accordance with the password stored in the database 6, you will enter the set-up language, the user's script, and the parent voice system 8, you can know The remaining stored value information amount is also audible. The process of purchasing the stored value information amount is audible.

54〇〇〇2 5. Description of the invention (ίο) Entered 'Feeding 1§' 5 Received the application from the German team ^ tL Xinjun In addition to the required amount of stored-value assets and the remaining stored value previously purchased Information amount library knows # A 、 the total sum of Bei Λ rhyme together with the user

The unique identification code of the S IMM card, but the bismuth identification number is recorded in the negative material storehouse, and the purchase information is transmitted to the accounting and billing system 7, which is recorded in the user's telecommunications Fee application form, 2 In addition, according to another embodiment of the present invention, wireless communication such as a WAp mobile phone or ΜΑ face 1 can also start a stored value information processing flow through a WAP application interface, and complete it with a WML web page flow. Process stored value information. In the above-mentioned embodiment of the present invention, when a user makes a purchase at a merchant, the wireless communication interface 1 may connect with the stored value information processing server through the WAp gateway system 9 and connect to obtain authorization to use the stored value. Information is deducted for consumption. In this example, the user can operate the Liu Lan of its wireless communication interface 1 to select the required merchants, products and transaction value to send transaction messages, and the server 5 can obtain this from the WAP gateway system 9 Transaction information, and check whether the amount of information stored by the user is sufficient to pay the transaction amount. If the amount of information stored is insufficient to pay, the message of insufficient amount of stored value information is displayed to the user through the WAP gateway system 9 in text, icon, etc. On the display of the wireless communication interface 1, if the amount of funds is sufficient to pay this transaction amount, the information processing server 5 will send the transaction message to the merchant server 3, and the merchant will then return the message confirming the transaction to the server via the server. 5. After the server 5 receives the confirmation transaction message sent by the merchant, it will deduct from the stored-value information rhyme ° ^ Jin Ϊ 'together with the user's SIM card to uniquely identify the transaction, transaction IfT interest, and stored value. The data is recorded in the database 6, and the transaction completion message is transmitted to the merchant feeder 3, and the transaction completion message is displayed on the user's wireless via the WAP gateway system 9. 1 the information on the display interface.

01P0117.ptd Page 13 540002

V. Description of the invention (11) In another embodiment of the present invention, the user may transfer the "Issue WAP system 9" to the stored value information processing server 5 in order to transfer it. The stored value information quota is given to other users. In one example, the user can operate its wireless communication interface! Liu Lan, input, accept, the user's telecommunications door number and the stored value information quota to be transferred, etc. 9 users existing Whether the stored value information quota is sufficient, I existing stored value information: Degree = enough to supply the transfer quota, the server 5 forwards, through the WAp gateway system 9, the message of insufficient poverty quota to the text or map to User's wireless communication interface 1; if the existing stored value information quota is sufficient to supply the transfer quota, the server 5 deducts the amount of the transferred user's stored value information quota and then transfers the transferred information The credit is added to the stored value information header of the gifted user. ^ In addition to the s 丨 M card identification code and stored value = of the transferred user and the gifted user, the change is recorded in the database 6, and the WAp gateway system 9 $ Transfer stored value information completion message to text or graphics, etc. To the wireless communication interface 1 display of the Yaxi transfer user and the display of the wireless communication interface 4 of the gifted user respectively. ^ In addition, in the embodiment of the present invention, the user follows the interactive conversational language system two, the first 8 For = & for voice services, dial out the == ^^^ stored value information quota directly to purchase stored value information through the wireless communication interface 1; or dial out the merchant's ^ two pounds, flat representative number or transaction The amount is used to deduct the amount of consumption to $ miscellaneous ^ or dial out the telecom door number of the gifted user and transfer the stored value information to the service procedure. In this embodiment, a telecommunication operator's plus 800 is set. And the user wants to purchase the stored value information of looo yuan, 540002 V. Description of the invention (12) The user broadcasts through the wireless communication interface " 8〇 Interactive conversation voice system-Silly hotline communication system Please refer to Figure 3 ， M Ⅰ ， — 〇 The voice flow chart shown in Figure 2. The input of the user who wants to purchase 4 yuan of 100 yuan represents the use of Level 6, the interactive communication amount, and the voice process is entered after you call it. 〃 之 音 统 8 offers' '' the purchase process is in progress, Account delivery and accounting system, = 7 value and \ ^ place ^ Feeder 5 is about to complete after the application sequence of this application is completed, servo% ^, = Koku 6 'Pending transmission and recording process is completed, thank you Use, the two tone system 8 will be L_ " ', the purchaser. Use the-tone to the user's wireless communication interface and the user finds that the code of the product is " 丨 234 567π, the communication interface 1 broadcasts " 80 〇 After that, 蛊 飧 1Λ, 彳 users also wirelessly connected 鲚 8 into i ... 、, the interactive conversational language in the spring communication system 糸 88 will also enter _ as shown in Figure III Speech flowchart. Please refer to Figure 3. The second line 1 23456 7 shown in the third line Levei 4 is the code and product code given to the merchant by the invention system, and the voice flows to Level 6, 6, provided by the interactive conversational voice system 8, and the transaction process is in progress. Please call later. The stored value information processing server 5 will send this transaction message to the merchant server 3. After the merchant confirms the transaction message, the confirmation message will be transmitted back to the server 5. The server 5 will then send the message via voice. System 8 has completed the Level 7 transaction. Thank you for using. The voice is transmitted to the user's wireless communication interface 1. At the same time, the server 5 has also completed generating this payment record in the accounting and billing system 7. If the user wants to transfer his 500 yuan stored value information to other users, and the telecom door number for the gift is “09 3 5 1 2 345 6”, then the user uses wireless communication X to introduce

540002 V. Description of the invention (13), -------- Broadcast on Face 1 "After 8 0 0 丨 1, in the wireless communication system ^ |, 8 will also enter the voice flow chart shown in Figure 3.乂 Huan-style ^ said the system asks you to figure out a picture ^ "1935 0935 1 2 345 6 is the telecommunication door number representing the beneficiary user, 500 yuan " Zuo '—, is the name of the transfer value information quota And the voice flow enters Level 6, Wan said and the mobile father talks to the voice system 8 to receive the call, and the transfer process is performed ^ please wait, the voice, the server 5 is about to transfer the stored value information of the user. After deducting the transferred amount, add the transferred message amount to the gifted user's stored value information limit, and record the SIM card identification code and stored value change of the user and the gifted user in the database 6, respectively. The ancestral server 5 will be transmitted via the voice system 8 again. ~ 17 7 、 Transferred 5000 yuan to 0 9 3 5 1 2 3 4 5 6 The user's "Thank you for using" voice is transmitted to the wireless communication interface 1 of the transfer user and the wireless communication interface 4 of the gifted user. In a further embodiment of the present invention, the company may use its internal PC (Personal Computer) to connect to the stored value processing server 5 of the present invention via the Internet to perform multiple purchases of stored value information Please refer to Figure 1 and Figure 4 for the procedure of gifting stored-value information to multiple people. According to the stored-value information processing system and method of the present invention, the wireless communication system will be used in interactive conversation voice system 8 or WAP gateway system 9 etc. A stored-value information processing server 5 is set up on the transmission path to implement the stored-value information processing system and method of the present invention. This method includes a program 1 0 1. The stored-value purchase and processing requirements are indicated on the merchant's advertising list. Commodity representative number, using wireless communication interface 1 to dial out the request for application or payment / transfer processing, that is, via wireless communication

01P0117.ptd Page 16 540002 V. Description of the invention (u) Network 10, connected to each other 9; here, the π autobiography f defeats the parent Sk-type voice system, Tong 8 or W A P gateway Lee Tong 2 and 2. fl. A sent from the path of the experience wheel], 糸 ,, first handles the feeder 5. In addition to checking the user's SIM card to discern the user's stored value information, the amount of the stored value information to be applied for and the amount of use User, telecommunication door number and the amount of stored value information to be transferred: representative broken or received program 102: processing order, formal language ί, ΐΓ / Λ'Ρ · ν ^ message / q ^ server 5 will talk from the interactive SIM After receiving the user ’s unique identification code and the transmission code of the second generation transmission channel, the purchase information, including the stored value information of the purchase order, will be transmitted to the accounting and billing system. M card identification code and purchase quota and other right payment orders, ^ σ and the representative number of the dialed out (the second 5: =: household S "M card only-identification code to determine the user from the database 6豕 code), then first find the corresponding depositor ’s home store: the product representative number of the two or the transaction service benefit 3, and then if this message is a transfer order, send it to the merchant ’s temple server. 3. With the gift dialed out by the user: the time to the unique identification code of the user ’s S 1M card > After the user ’s telecommunication door number and the amount of secondary value information to be transferred are sufficient, the user will be reassigned to the user The existing deposit and transfer amount is transferred to the transfer user ^ Two packs of $ recipients, the door number and the mobile communication interface 4. ", ..., Quantong Alumium Interface 1 and Dual Donor's Wireless Program 103: Accounts are recorded in the processing order program, and the stored value information processing server will apply this

OlPOin.ptd Page 17 54002 V. Description of the invention (15) The purchase or payment / transfer information including the user's SIM card identification code and transaction amount is transmitted to the accounting and billing system 7 and recorded in its database. , So as to calculate the user ’s purchase amount later, and send the bill to the user. Procedure 1 0 4 ·· Confirmation message In the payment procedure, when the merchant server 3 receives the information transmitted from the stored value information processing feeder 5 and confirms the content of the product representative number and the transaction value, it will soon be confirmed. Transmission back to stored value information processing server 5 〇Procedure 1 0 5, 1 〇 6 · Response message in the purchase process, stored value information processing server 5 through the interactive talk voice system 8 or WA P gateway system 9 and other transmission paths , And transmit the message to the wireless communication interface of the subscriber. In the payment process, the stored value information is processed by the server crying and the confirmation message transmitted by the server 3 is interacted. = Received the transmission path of the merchant or the WP gateway system 9 and so on. = Six talk about the voice system 8 to the user's wireless communication interface 1. The field message is transmitted during the transfer process. The stored value information is processed by the voice system 8 or the WAP closed system 9 and other transmissions. The interactive payment includes the telecom door number and the transfer amount of the subscriber. The communication line communication interface 1 and the wireless communication interface of the beneficiary can be clearly understood by a person who has explained the preferred embodiment of the present invention in detail, and is familiar with the subject without departing from the following. Various changes and changes can be made under the technology, and the scope of patents and the implementation of fine books. Wuming is not limited to the description 01P0117.ptd page 18 54002 V. Description of the invention (16) [Effects of the invention] According to the advantages and features of the present invention, the occurrence of inability to shop, theft by consumers or the use of fake cards The e-commerce transaction is directly addressed, and the remote communication server is triggered by the wireless communication network code to confirm the user's e-commerce transaction process, eliminate each other's credit information, and use the invention to solve the problem of remittance or transfer amount, that is, By using it with other users, it will be able to enter the account than silver hours, and the company can purchase the invention as a gift to employees or give employees an overview of the above-mentioned "this hair technique in practice and application method, and complete the practical and reliable value. The stored value that has met the invention trial and granted the patent rights guarantee has included the situation, which resulted in the confirmation of the transfer through the credit machine, so as to avoid the inconvenience of the correct or implemented storage order. The present invention is implemented or solved. The user's "stored value bonus. There are various deficiencies and systems, patent application obstacles, and superior information processing systems. The user does not need to worry about the loss of the body and the merchant, and use the card information to send / record / process the wireless communication interface. The user (consumer) and the supply or reception of the information about the leakage or not of the information value processing system And ca n’t get the information and methods immediately, the ATM transfer can be used immediately to meet the urgent information of money. ”Instead of the cash method, the information department with insufficient cash will encounter the unique identification information that can be resolved by the action. Action data, and 〇 and methods will have remittances or transfers to transfer the amount to Fortunate I —, ^ urgent need. Or gifts to provide many excellent features, and to solve the inconvenience of knowledge and skills, and propose effective solutions to achieve novel and economic benefits. Please request Xiao Bureau to give details to benefit people's livelihood, and to feel a sense of virtue.

540002 Brief Description of Drawings Figure 1 is a general wireless network communication system architecture diagram. FIG. 2 is a structural diagram of a stored value information processing system according to the present invention. FIG. 3 is a voice flow chart of an embodiment of the stored value information processing system system of the present invention. FIG. 4 is an information flow chart of a preferred embodiment of the stored value information processing system of the present invention.

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Claims (1)

540002 6. Scope of patent application 1. A stored-value information processing system for processing messages sent from a wireless communication interface in a wireless communication network system. The stored-value information processing system includes: an accounting and billing system for processing The wireless communication interface is connected to the telecommunication bill generated by the wireless communication network system; a stored-value information processing server is set up on the message transmission path of the wireless communication network system and can receive the information of the wireless communication interface, which includes the Unique identification code for wireless communication interface connection; a database providing the stored value information processing server for processing the stored value information and password corresponding to the identification code; wherein the wireless communication interface can input the password and process the stored value information The server obtains authorization to send a subscription message, generates the aforementioned stored value information in the aforementioned database, and the aforementioned stored value information processing server transmits the aforementioned subscription information to the aforementioned accounting and billing system for generation in a telecommunication bill; Wherein, the aforementioned wireless communication interface can input the aforementioned password via the aforementioned The stored-value information processing server obtains authorization to issue a processing message, transfers the stored-value information in the aforementioned database, and the stored-value information processing server transmits the processing information to the aforementioned accounting and billing system to be generated in a telecommunications account Single. 2. The stored-value information processing system described in item 1 of the scope of patent application, wherein the stored-value information is valuable information. 3. The stored value information processing system described in item 2 of the scope of patent application, wherein the stored value information has an equivalent amount. OlPOin.ptcl Page 21 540002 6. Scope of patent application 4. The error value information processing system described in item 1 of the scope of patent application, wherein the aforementioned wireless communication network system includes an interactive conversational voice system. 5. The stored value information processing system according to item 4 of the scope of patent application, wherein the wireless communication interface sends out a purchase message or a processing message via a voice program set by the interactive chat voice system. 6. The stored value information processing system described in item 1 of the scope of patent application, wherein the wireless communication network system includes a WAP gateway system. 7. ^ The stored-value information processing system described in item 6 of the scope of patent application ', where the hot-spot communication interface just mentioned sends a purchase message or processing message through a web page program set by the WAP application interface. 8. Please refer to the stored value information processing system described in item 5 or 7 of the patent scope, in which the aforementioned wireless communication interface sends a processing message, and some of the aforementioned stored value information can be transferred in the aforementioned database. 9 · The stored-value information processing system as described in item 8 of the scope of patent application, wherein the processing message sent by the aforementioned wireless communication interface includes a product representative number / ', so that the stored-value information processing server transfers the part according to the product representative number The foregoing stored value information is confirmed by the notification / merchant server, and the tight accounting and billing system is notified to generate transaction records on the telecommunication bill. ] I 0 · The stored-value information processing system described in item 8 of the scope of patent application, wherein the processing message sent by the wireless communication interface includes an identification code or door number, so that the stored-value information processing server according to the identification code Part of the aforementioned stored value information of OR gate number ^ evening to notify the user of the identification code or gate number, ^ notify the aforementioned account and billing system to generate transaction records on the telecommunication bill. Sub-II · A stored-value information processing method used in a wireless communication network system m 〇lPO〇117.ptd page 22 54002 6. Processing of stored-value information of users within the scope of patent application, the stored-value information processing method includes: providing A stored-value information processing server, which is set up on the message transmission path of the wireless communication network system, and can receive the message sent by the aforementioned user through the wireless communication interface, which contains the unique identification code of the wireless communication interface connection; provide a database, To record the stored value information and password of the aforementioned user, as well as the data of the product representative number; wherein, the aforementioned stored value information processing server processing procedure includes: receiving the wireless communication interface, inputting the aforementioned password to authorize the user to send a purchase message, and in the aforementioned database The aforementioned stored value information is generated in the receiving; the aforementioned wireless communication interface is entered to enter the aforementioned password to authorize the user to send a processing message, and the aforementioned stored value information is transferred in the aforementioned database; according to the aforementioned subscription message and processing message, a related stored value information processing record is generated to the user Telecommunications bill. 1 2. The stored value information processing method according to item 11 of the scope of patent application, wherein the stored value information processing server processing procedure includes: transferring part of the foregoing stored value information according to the product representative number to notify a merchant server for confirmation , And notify the aforementioned accounting and billing system to generate transaction records on the telecommunications bill. 1 3. The stored value information processing method according to item 11 of the scope of patent application, wherein the stored value information processing server processing procedure includes: transferring part of the foregoing stored value information according to the identification code or gate number to notify the identification code The user of the OR number and informs the aforementioned accounting and billing system to generate transaction records on the telecommunications bill. 01P0117.ptd Page 23