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CN101388128B - Wireless payment transaction management system and method using mobile communication device as stored value device - Google Patents

Wireless payment transaction management system and method using mobile communication device as stored value device Download PDF

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Publication number
CN101388128B
CN101388128B CN2008100019587A CN200810001958A CN101388128B CN 101388128 B CN101388128 B CN 101388128B CN 2008100019587 A CN2008100019587 A CN 2008100019587A CN 200810001958 A CN200810001958 A CN 200810001958A CN 101388128 B CN101388128 B CN 101388128B
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transaction
mobile communication
communication device
stored value
account
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CN101388128A (en
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孙骏恭
安宝杰
罗英哲
李启宏
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Macronix International Co Ltd
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Abstract

A payment transaction processing method using a mobile communication device as a stored value device in a system is disclosed. A transaction operations server receives a plurality of transaction records from the stored value device-one via a communication path through the telecommunications carrier's network and the other via a separate communication path. And these records are reconciled on the transaction server as transaction confirmations.

Description

以移动通讯装置作为储值装置的无线付费交易管理系统及方法Wireless payment transaction management system and method using mobile communication device as stored value device

技术领域technical field

本发明涉及移动商务技术领域,尤其涉及一种针对将可携式通讯装置作为智能卡之用的电子付费系统。The invention relates to the technical field of mobile commerce, in particular to an electronic payment system for using a portable communication device as a smart card.

背景技术Background technique

由于移动电话的广泛使用,以及新兴的智能卡技术用作储值装置的优势,因此,将智能卡技术应用在移动电话上作为储值装置,已经引起相当大的注意。在Sakamura等人在「配备无线IC接口的电子储值转换装置」为题的美国第2006/0097037号专利申请案中,揭露一种结合移动终端机(例如:手机)的具有智能卡技术优点的系统。Due to the widespread use of mobile phones and the advantages of emerging smart card technology as a stored value device, the use of smart card technology as a stored value device on mobile phones has attracted considerable attention. In U.S. Patent Application No. 2006/0097037 titled "Electronic Stored Value Conversion Device Equipped with Wireless IC Interface" by Sakamura et al., a system combining the advantages of smart card technology with a mobile terminal (such as a mobile phone) is disclosed .

有鉴于智能卡控制存取能力的不足,及窜改智能卡的情况,使用可携式电子装置作为智能卡来储值,产生了一系列安全上的新问题。以计算机为主的安全技术,包含加密及认证系统可限制住窜改情况的发生。然而,客户对于此等以计算机为主的安全技术的的信赖度仍低。同时,随着在此等装置中储值的增加,而要破解以计算机为主的保护机制的动机也会随之增加。In view of the lack of smart card access control capability and the situation of tampering with the smart card, the use of portable electronic devices as smart cards to store value has produced a series of new security issues. Computer-based security technologies, including encryption and authentication systems, limit tampering. However, customer trust in these computer-based security technologies remains low. At the same time, as the stored value in such devices increases, so does the incentive to crack computer-based protection mechanisms.

此外,用于移动商务架构的金融交易网络备受银行体系及通讯系统业者的重视。现有银行体系及电信业者所提供网络的可靠度,则限制了此项技术的弹性,并阻碍其拓展与使用。In addition, the financial transaction network used in the mobile business framework has attracted the attention of the banking system and communication system operators. The reliability of the networks provided by the existing banking system and telecom operators limits the flexibility of this technology and hinders its expansion and use.

故需要提供一种移动商务的架构,并可降低窜改移动通讯装置的可能,以及使用此电子储存金诈欺的情形,同时也降低对于银行体系及电信业者系统网络存取上的依赖度。Therefore, it is necessary to provide a framework for mobile commerce, which can reduce the possibility of tampering with mobile communication devices and fraudulent use of electronic deposits, and also reduce the dependence on the banking system and network access of telecom operators.

发明内容Contents of the invention

有鉴于此,本发明的一个目的在于提供一种使用一移动通讯装置(例如是,移动电话或其它类似装置)来管理交易的系统架构。在本发明中系统架构所使用的移动通讯装置具有可用来储值的安全存储器及管理该安全存储器的控制器等特征。在该移动通讯装置上的控制器,借着至少两个独立媒介,来支持该交易终端机与近端的移动通讯装置通讯连接,以达到在安全存储器管理数据的目的。而前述两个独立媒介包含透过电信业者网络执行的一协议,以及较佳地透过使用无线近端耦合装置或其它类型通讯连接的安全协议完成。在一实施例中,透过该电信业者网络执行的协议可与一产业标准数据通讯协议(例如是:e-mail协议或定义于GSM推荐03.40短信服务(SMS)协议)兼容。同时,在一实施例中,执行用在交易终端机与一无线近端耦合装置通讯的安全协议可为一无线协议并符合于产业标准ISO 14443。举例来说,该储值装置可执行于符合产业标准ISO7816或其它类似技术的智能卡上。In view of this, an object of the present invention is to provide a system framework for managing transactions using a mobile communication device (eg, a mobile phone or other similar devices). The mobile communication device used in the system architecture of the present invention has features such as a secure memory for storing values and a controller for managing the secure memory. The controller on the mobile communication device supports the communication connection between the transaction terminal and the near-end mobile communication device through at least two independent media, so as to achieve the purpose of managing data in the secure memory. The aforementioned two separate media include a protocol implemented through the carrier's network, and preferably through a secure protocol using a wireless near-end coupling device or other type of communication link. In one embodiment, the protocol implemented over the carrier network may be compatible with an industry standard data communication protocol such as the e-mail protocol or the Short Message Service (SMS) protocol defined in GSM Recommendation 03.40. Meanwhile, in one embodiment, the security protocol implemented for communication between the transaction terminal and a wireless proximal coupling device can be a wireless protocol and conforms to the industry standard ISO 14443. For example, the stored value device may be implemented on a smart card conforming to the industry standard ISO7816 or other similar technology.

依据本发明所述的系统,一交易操作服务器是与一交易终端机和一电信接口终端机两者相连接。本发明所述的电信接口终端机,透过在交易操作服务器和使用本系统的移动通讯装置的电信业者网络,来管理通讯信道。交易终端机(可为独立的计算机、销售端点装置或网络、或其它移动通讯装置)系组态于使用安全存储器技术来避免程序或数据被零售商或其它可存取该终端机的人士所窜改。该交易操作服务器系组态于执行特定应用程序(特别是在零售端个别交易终端机所定制的程序),并使用在一高度安全且备受信赖的通讯环境,例如:在公钥基础建设(PKI)上的通讯。同时,任何涉及改变应用程序或数据的交易,会影响交易终端机或储值装置上内容的使用,可执行高度安全认证/核准/译码技术来取代在该交易操作服务器与交易终端机之间的通讯连接。储值交易、或改变在移动通讯装置上储存的程序或数据系被在该交易终端机和使用安全协议来连接读取机的移动通讯装置之间的一协议所保全。According to the system of the present invention, a transaction operation server is connected with both a transaction terminal and a telecommunications interface terminal. The telecommunications interface terminal of the present invention manages the communication channel through the transaction operation server and the telecommunications operator network using the mobile communication device of the system. A transaction terminal (which may be a stand-alone computer, point-of-sale device or network, or other mobile communication device) configured to use secure memory technology to prevent program or data tampering by retailers or others with access to the terminal . The transaction operation server is configured to execute a specific application program (especially a program customized for an individual transaction terminal at the retail end), and is used in a highly secure and trusted communication environment, for example: in the public key infrastructure ( Communications over PKI). At the same time, any transaction involving changes in applications or data will affect the use of content on the transaction terminal or stored value device, and highly secure authentication/approval/decoding technology can be implemented to replace the transaction between the transaction operation server and the transaction terminal communication connection. Stored value transactions, or changes to programs or data stored on the mobile communication device are secured by a protocol between the transaction terminal and the mobile communication device connected to the reader using a security protocol.

依据本发明所述的架构执行储值交易包含由零售商购买商品、购买可储存在该通讯装置上的娱乐相关电子(虚拟)折价卷或票卷、购买服务、以电子支票形式来转换基金、转换电子折价卷和电子票卷至其它移动通讯装置、兑换娱乐相关的电子支票、折价卷、或票卷等等。Stored-value transactions performed according to the framework of the present invention include purchases of goods by retailers, purchases of entertainment-related electronic (virtual) coupons or tickets that can be stored on the communication device, purchases of services, conversion of funds in the form of electronic checks, Convert electronic discount coupons and electronic tickets to other mobile communication devices, redeem entertainment-related electronic checks, discount coupons, or tickets, etc.

在移动通讯装置上的控制器系组态于传送交易记录或其它用来记帐或确认交易操作服务器的记录,在交易当时及/或实际交易时间定期单独传送,及透过电信业者网络使用一通讯路径。借着该通讯路径传送数据,并透过使用该电信业者网络,来作为确认使用交易终端机执行的实际交易的第二种方式,同时提供可检测在窜改该移动通讯装置上安全存储器的信息。The controller on the mobile communication device is configured to transmit transaction records or other records used for billing or confirming transaction operation servers, at the time of the transaction and/or at the time of the actual transaction and periodically transmitted separately, and through the carrier network using a communication path. Sending data over the communication path, and using the carrier network, as a second means of confirming the actual transaction performed using the transaction terminal, while providing information that detects tampering with the secure memory on the mobile communication device.

该操作服务器管理该银行网络接口,包含账户注册服务以建立用户账户、以及由银行账户传送储值到移动通讯装置上储值账户的必需银行网络连接。The operations server manages the bank network interface, including account registration services to establish user accounts, and the necessary bank network connection to transfer stored value from the bank account to the stored value account on the mobile communication device.

用户可在该移动通讯装置在线模式及离线模式的情况下,增加储值至该储值装置,以及透过一交易终端机从该储值装置来兑换储值。当该移动通讯装置在一在线模式下操作,其作为一互动终端机让用户存取关于该操作服务器的入口网站,并重新引导进入一零售商网站或对移动通讯用户呈现一在线接口。该操作服务器可在在线模式下实时结算交易。当该移动通讯装置在离线模式下操作,各个零售商所属的用作离线交易的交易终端机系负责将该储值转换至该移动通讯装置,并依赖该移动通讯装置的持有人的债信状况,举例来说,像是处理礼券销售交易。对于离线交易,个别的零售商可依赖信用卡网络,或当要传递储值至移动指示装置时需要现金交易,更者,该交易终端机系组态于传送交易记录,及用来记帐和确认该交易操作服务器并在它们之间使用一安全路径进行,在交易当时及/或实际交易时间定期单独传送。The user can add stored value to the stored value device in the online mode and offline mode of the mobile communication device, and exchange the stored value from the stored value device through a transaction terminal. When the mobile communication device operates in an online mode, it acts as an interactive terminal to allow the user to access the portal website related to the operating server, and redirects to a retailer's website or presents an online interface to the mobile communication user. This operational server enables real-time settlement of transactions in online mode. When the mobile communication device is operating in offline mode, the transaction terminal for offline transactions belonging to each retailer is responsible for transferring the stored value to the mobile communication device and relies on the credit of the owner of the mobile communication device A situation, for example, is processing a gift certificate sale transaction. For off-line transactions, individual retailers may rely on credit card networks, or require cash transactions when transferring stored value to mobile pointing devices, moreover, the transaction terminal is configured to transmit transaction records, and is used for billing and confirmation The transaction operates on the servers and takes place between them using a secure path, with periodic separate transmissions at the time of the transaction and/or at actual transaction time.

在本发明所述系统中,一种处理付费交易可能方法,包含:In the system of the present invention, a possible method for processing payment transactions includes:

在一移动电话的安全存储器上储存代表一笔金额的数据;storing data representing an amount of money on the secure memory of a mobile phone;

在该移动电话与靠近该移动电话的一交易终端机之间建立一连接;establishing a connection between the mobile phone and a transaction terminal near the mobile phone;

建立通讯在该移动电话和该交易终端机之间,而该交易终端机使用连接来改变依据一特定交易储存在该移动电话上代表一笔金额的数据;establishing communication between the mobile phone and the transaction terminal, and the transaction terminal using the connection to change data representing an amount stored on the mobile phone in accordance with a particular transaction;

转送一特定交易的一第一笔记录,而其是由该移动电话透过一电话服务业者网络的一第一通讯路径转送至一操作服务器;forwarding a first record of a specific transaction forwarded by the mobile phone to an operations server via a first communication path of a telephone service provider network;

转送一特定交易的一第二笔记录,而其是由该交易终端机透过一通讯网路连接到该交易终端机及该服务器的一第二通讯路径转送至该操作服务器;forwarding a second record of a specific transaction forwarded by the transaction terminal to the operation server via a second communication path connected to the transaction terminal and the server through a communication network;

协调在该操作服务器上第一笔及第二笔记录以确认该特定交易。Reconciling the first and second records on the operational server to confirm the particular transaction.

在本发明所述的系统中另一可能用来处理付费交易的方法,系依据该笔特定交易在该移动通讯装置上改变以数据所表示的储值,而系借着至少在该移动通讯装置与该交易终端机之间部分地无线通讯,包含:Another possible method for processing payment transactions in the system according to the invention is to change the stored value represented by data on the mobile communication device according to the specific transaction, by means of at least Partially wireless communication with the transaction terminal, including:

在该交易操作服务器上,藉由透过一电话服务业者网络的一第一通讯路径,来从该移动通讯装置上接收每一所述特定交易的一第一笔记录;receiving, at the transaction operation server, a first record of each of said specific transactions from the mobile communication device via a first communication path through a telephone service provider network;

在该交易操作服务器上,藉由透过结合该交易终端机的一通讯网路的一第二通讯路径,来从该交易终端机上接收每一所述特定交易的一第二笔记录;以及receiving a second record of each of said specific transactions from the transaction terminal via a second communication path through a communication network associated with the transaction terminal at the transaction operation server; and

协调在该交易服务器上的该第一笔及第二笔记录来确认每一所述特定交易。coordinating the first and second records on the transaction server to confirm each of said particular transactions.

在该特定交易当时会传送第一笔记录,或合并经过一段时间后执行其它交易的记录,以及有时会独立出该特定交易报告。相同地,在该特定交易当时会传送第一笔记录,举例来说,如果在该特定交易当时,该交易终端机系为在线模式,或合并其它笔交易记录,以及有时会独立出该特定交易报告。另举例来说,如果在该特定交易当时,该交易终端机系为离线模式。在操作服务器上第一笔及第二笔记录的重新合并来允许真实交易的进一步确认来检测该移动通讯装置上的安全储存存储器的窜改以及检测交易终端机的窜改。The first record is transmitted at the time of that particular transaction, or combined with records of other transactions performed over time, and sometimes reported independently of that particular transaction. Likewise, the first record is transmitted at the time of the particular transaction, for example, if the transaction terminal was in online mode at the time of the particular transaction, or merged with other transaction records, and sometimes independently of the particular transaction Report. For another example, if at the time of the particular transaction, the transaction terminal is in offline mode. The re-merging of the first and second records on the operation server allows further verification of the authentic transaction to detect tampering of the secure storage memory on the mobile communication device and to detect tampering of the transaction terminal.

本发明系描述一种作为移动付费服务器的数据处理系统、一移动通讯装置、及一种作为支持移动付费架构交易终端机的数据处理系统。因此,本发明所述一种作为支持移动付费操作服务器的数据处理系统包含一数据处理器,而其包含可储存程序的程序存储器,而其又包括可通过该数据处理器执行的指令,以及具有可支持多个通讯协议的数据通讯资源,举例来说,包含可执行支持透过该电信业者网络连接至一移动通讯装置的协议,以及可执行于因特网的协议。在操作服务器上程序,包含一程序适用于控制关于改变一移动通讯装置上储值的交易。因此,在该操作服务器上一代表系统程序含:The present invention describes a data processing system as a mobile payment server, a mobile communication device, and a data processing system as a transaction terminal supporting a mobile payment architecture. Therefore, a data processing system as a server supporting mobile payment operations described in the present invention includes a data processor, and it includes a program memory that can store programs, and it includes instructions that can be executed by the data processor, and has The data communication resources that can support multiple communication protocols include, for example, a protocol executable to support connecting to a mobile communication device through the network of the carrier, and a protocol executable on the Internet. Programs on the operating server include a program adapted to control transactions related to changing stored value on a mobile communication device. Therefore, a representative system program on the operational server contains:

传送代表该移动通讯装置一储值的数据;transmit data representing a stored value of the mobile communication device;

接收一特定交易的一第一笔记录,而其是由该移动通讯装置透过一电话服务业者网络的一第一通讯路径;receiving a first record of a specific transaction over a first communication path of a telephone service provider network by the mobile communication device;

接收一特定交易的一第二笔记录,而其是由该移动通讯装置透过一通讯网路连接至该交易终端机的依第二通讯路径;receiving a second record of a specific transaction, which is connected by the mobile communication device to the transaction terminal through a communication network according to a second communication path;

协调第一笔及第二笔记录以确认该特定交易;以及reconcile the first and second records to confirm that particular transaction; and

更新与该特定交易相关的一账户。An account associated with the particular transaction is updated.

在该交易服务器上另一程序适用于定期从移动装置透过该电信业者网络接收传递的储值决算记录至该操作服务器。该操作服务器亦包含是成复审及监控该储值决算记录,并检测诈欺或在该移动装置存储器上窜改储值的账户活动,以及其它增进该移动付费系统安全性的程序。Another program on the transaction server is adapted to periodically receive stored value final settlement records transmitted from mobile devices to the operation server through the network of the telecom operator. The operational server also includes procedures for reviewing and monitoring the stored value settlement records, and detecting fraudulent or account activity that tampers with stored value on the mobile device memory, and other procedures that enhance the security of the mobile payment system.

该操作服务器上另一程控特定交易,而其被至少部份地无线通讯所起始并介于(1)一移动通讯装置,而其具有一储值,该储值由在该移动通讯装置上的数据所表示,以及(2)一交易终端机,包含指令执行:Another program-specific transaction on the operation server, which is at least partially initiated by wireless communication and interposed between (1) a mobile communication device, and which has a stored value, which is stored on the mobile communication device Represented by the data, and (2) a transaction terminal, including order execution:

在该交易操作服务器上,接收该移动通讯装置的一第一笔特定交易,其中该第一交易新增一第一笔金额于该移动通讯装置上的数据来表示该储值,且其中该第一笔金额系为一第一数据类型,且其代表由一或更多的第一企业体授信的一第一商业发行货币;On the transaction operation server, a first specific transaction of the mobile communication device is received, wherein the first transaction adds a first sum of money to the data on the mobile communication device to represent the stored value, and wherein the first transaction an amount is of a first data type and represents a first commercially issued currency credited by one or more first business entities;

在该交易操作服务器上,接收该移动通讯装置的一第二笔特定交易,其中该第二交易减去一第二笔金额于该移动通讯装置上的数据来表示该储值,且其中该第二笔金额系为一第二数据类型,且其代表由一或更多的第二企业体授信的一第二商业发行货币;On the transaction operation server, a second specific transaction of the mobile communication device is received, wherein the second transaction subtracts a second amount from the data on the mobile communication device to represent the stored value, and wherein the first The two amounts are of a second data type and represent a second commercially issued currency credited by one or more second business entities;

在该交易操作服务器上,兑换该移动通讯装置上的数据所代表的介于该第一数据类型与该第二数据类型之间至少部分金额。On the transaction operation server, exchange at least part of the amount represented by the data on the mobile communication device between the first data type and the second data type.

由该数据处理系统执行的另一系统程序含维护账户数据库的指令来维持含有该第一数据类型及该第二数据类型的多个数据类型的记录,而每一该多个数据类型表示被一或更多企业体所发行的货币。该账户数据库亦维持移动通讯装置的多个通讯服务业者的客户记录,例如因特网服务业者或电信服务业者,而该些记录包含由该数据处理系统传送至多个通讯服务业者的数据处理器的账单记录。Another system program executed by the data processing system includes instructions for maintaining an account database to maintain records containing a plurality of data types of the first data type and the second data type, each of the plurality of data types being represented by a or more currencies issued by corporate bodies. The account database also maintains customer records of mobile communication devices for a plurality of communication service providers, such as Internet service providers or telecommunications service providers, and the records include billing records transmitted by the data processing system to data processors of the plurality of communication service providers .

该数据处理系统弹性地操作不同电子货币系统。据此,金额的兑换发生在付费服务业者操作交易操作服务器的一账号,或零售商所授信的一电子货币。在付费服务业者、商业团体及通讯服务业者间,帮助支持不同电子货币或协议范围,而在任两种电子货币间的兑换比例可设定为1∶1或其它比例。结算系统也有类似的弹性。兑换的金额系借给该移动通讯装置用户的账户。替代地,由移动通讯装置用户的账户该取出被兑换金额。在另一实施例中,在一零售商交易移动通讯装置用户送出储值的一部份,该笔兑换金额系直接借款至一付费服务提供者账户,或借款至付费服务业者伴随者兑换金额借贷关系的零售商账户。The data processing system flexibly operates different electronic money systems. Accordingly, the conversion of the amount occurs in an account of the payment service provider operating the transaction operation server, or an electronic currency authorized by the retailer. Among payment service providers, business groups and communication service providers, it helps to support different electronic currencies or agreement ranges, and the exchange ratio between any two electronic currencies can be set to 1:1 or other ratios. Settlement systems are similarly resilient. The exchanged amount is lent to the account of the mobile communication device user. Alternatively, the converted amount is withdrawn from the account of the mobile communication device user. In another embodiment, when a mobile communication device user sends a portion of stored value at a retailer, the redemption amount is directly debited to a payment service provider account, or credited to a payment service provider accompanying the redemption amount A retailer account for a lending relationship.

此外,本发明所述的移动通讯装置一数据处理器,而其包含可通过该数据处理器执行储存程序的程序存储器、以及具有可支持多个通讯协议的数据通讯资源,而该通讯协议包含至少一个由电信业者网络所支持的通讯协议,以及至少一个用作无线近端耦合的通讯协议。此外,在该移动通讯装置上的程序可被应用来维护可被该数据处理器存取的存储器储值,以支持该移动通讯装置与交易终端机连接的认证,并透过无线近端耦合来与一交易终端机连接,且透过该电信业者网络来与一服务器连接。在该移动通讯装置上的程序亦包含适合用来执行在该移动通讯装置上改变储值的交易的程序。因此,在该移动通讯装置上一代表系统程序含:In addition, the mobile communication device described in the present invention is a data processor, which includes a program memory that can execute stored programs through the data processor, and has data communication resources that can support multiple communication protocols, and the communication protocols include at least A communication protocol supported by the carrier's network, and at least one communication protocol for wireless near-end coupling. Additionally, a program on the mobile communication device may be employed to maintain memory stored values accessible by the data processor to support authentication of the mobile communication device to a transaction terminal, and via wireless proximity coupling to It is connected with a transaction terminal, and is connected with a server through the network of the telecom operator. The program on the mobile communication device also includes a program adapted to perform transactions for changing stored value on the mobile communication device. Therefore, a representative system program on the mobile communication device includes:

储存代表在移动通讯装置上一储值的数据;storing data representing a stored value on the mobile communication device;

建立该移动通讯装置及一交易终端机间的无线连接;establishing a wireless connection between the mobile communication device and a transaction terminal;

执行在该移动通讯装置及该交易终端机间的通讯,而该交易终端机系依据一特定交易,而使用该无线连接来改变在该移动通讯装置上以储存数据表示的储值;performing a communication between the mobile communication device and the transaction terminal using the wireless connection to change the stored value represented by stored data on the mobile communication device in accordance with a specific transaction;

转送该特定交易的第一笔记录由该移动通讯装置至一交易操作服务器,其系透过该电话服务业者网络的一通讯路径,透过连接来与该交易终端机的通讯网路的一第二通讯路径送至该交易服务器的特定交易的第二笔记录相互协调。Forwarding the first record of the specific transaction from the mobile communication device to a transaction operation server through a communication path of the telephone service provider network, through a second connection with the communication network of the transaction terminal The second record of the particular transaction sent by the communication path to the transaction server is coordinated with each other.

此外,在该移动通讯装置上的一程序系使该移动通讯装置作为一转换移动通讯装置间储值的交易终端机。在该移动通讯装置上的另一程序系借着电信业者网络定期传送储值决算记录至该操作服务器。该储值决算记录可用来监控在该移动通讯装置上储值的活动、检测诈欺或储值窜改情况,并提供在合法交易上的额外确认。在本移动付费系统中所涉及的程序储存在该移动通讯装置的存储器上,而其可避免被窜改,且仅能通过操作服务器或其它被授权人士所授权的程序所管理。In addition, a program on the mobile communication device makes the mobile communication device a transaction terminal for converting stored value between mobile communication devices. Another program on the mobile communication device is to periodically transmit stored value settlement records to the operation server through the network of the telecom operator. The stored value settlement record can be used to monitor the activity of stored value on the mobile communication device, detect fraud or stored value tampering, and provide additional confirmation on legitimate transactions. The programs involved in the mobile payment system are stored in the memory of the mobile communication device, which can avoid tampering, and can only be managed by operating the server or other programs authorized by authorized persons.

本发明所述的支持移动付费的交易终端机包含具有一数据处理器,而其包含可储存程序的程序存储器,而其又包括可通过该数据处理器执行的指令,以及具有可支持多个通讯协议的数据通讯资源,而该通讯协议包含至少一个用来与该服务器数据链路的协议,以及至少一个短距连接协议(例如:无线近端耦合)。在该交易终端机上的程序适合用来维护存储器上的记录,该记录系关于移动通讯装置上储值转换,透过无线近端耦合来确认移动通讯装置连接,以及连接至该服务器来进行该交易记录账户的结算。同时,在该交易终端机上一代表系统程序含:The transaction terminal supporting mobile payment described in the present invention has a data processor, and it includes a program memory that can store programs, and it also includes instructions that can be executed by the data processor, and has a data processor that can support multiple communications A data communication resource of a protocol, and the communication protocol includes at least one protocol for data link with the server, and at least one short-distance connection protocol (eg, wireless near-end coupling). The program on the transaction terminal is adapted to maintain a record in memory related to the transfer of stored value on the mobile communication device, to confirm the connection of the mobile communication device through wireless proximity coupling, and to connect to the server to carry out the transaction Record settlement of accounts. At the same time, a representative system program on the transaction terminal includes:

接受使用该无线近端耦合代表该移动通讯装置上一储值的数据;receiving data representing a stored value on the mobile communication device using the wireless proximal coupling;

转送该特定交易的一记录至一交易操作服务器,其系透过一通讯网路的一通讯路径,透过连接来与透过电话服务业者网络的一通讯路径送至该交易服务器的特定交易的第二笔记录相互协调。forwarding a record of the particular transaction to a transaction operations server connected via a communication path of a communications network with the first record of the particular transaction sent to the transaction server through a communications path of the telephone service provider network The two records are coordinated with each other.

此外,在一些实施例中的交易服务器包含一卡片读取机、及交易终端机上程序(包含可读取一信用卡或转帐卡的程序)、以及透过无线近端耦合(以处理该信用卡或转帐卡为主)借着将储值转换至该移动通讯装置来处理在移动通讯装置上增加储值要求。In addition, the transaction server in some embodiments includes a card reader, and transaction terminal on-board programs (including programs that can read a credit card or debit card), and through a wireless near-end coupling (to process the credit card or debit card) Card-based) handles the request for adding stored value on the mobile communication device by transferring the stored value to the mobile communication device.

支持移动付费交易终端机的一实例存储器,该程序指令包含:An instance memory supporting a mobile payment transaction terminal, the program instructions include:

执行一特定交易的一程序,以改变在一移动通讯装置的一储值,包含执行程序指令:Executing a program for a specific transaction to change a stored value in a mobile communication device, comprising executing program instructions:

该交易终端机与该移动通讯装置连接,通过介于该交易终端机与该移动通讯装置之间的一无线近端耦合,以辨认该移动通讯装置;The transaction terminal is connected to the mobile communication device, and the mobile communication device is identified through a wireless near-end coupling between the transaction terminal and the mobile communication device;

使用该无线近端耦合该交易终端机接收在该移动通讯装置上的数据所表示的该储值;以及receiving the stored value represented by data on the mobile communication device using the wireless proximity coupling to the transaction terminal; and

该交易终端机转送该特定交易的一记录至一交易操作服务器,其系透过一通讯网路的一通讯路径,透过连接来与透过电话服务业者网络的一通讯路径送至该交易服务器的特定交易的第二笔记录相互协调。The transaction terminal forwards a record of the particular transaction to a transaction operation server connected through a communication path of a communication network to the transaction server through a communication path of a telephone service provider network The second record of a particular transaction is coordinated with each other.

本发明其它方面及优点可参见下述的参考图式、实施方式及权利要求书。Other aspects and advantages of the present invention can be found in the following reference drawings, embodiments and claims.

附图说明Description of drawings

图1系绘示本发明一系统架构的方块图。FIG. 1 is a block diagram illustrating a system architecture of the present invention.

图2系绘示在一交易终端机与一交易服务器之间(如图1所述的系统)的通讯连接结构。FIG. 2 is a diagram illustrating the communication connection structure between a transaction terminal and a transaction server (such as the system described in FIG. 1 ).

图3系绘示一种可连接两种独立通讯媒介的移动通讯装置,包含一电信服务提供网络,以及用来连接一交易终端机至邻近移动通讯装置的一媒介。FIG. 3 illustrates a mobile communication device capable of connecting two separate communication media, including a telecommunications service provider network, and a medium for connecting a transaction terminal to an adjacent mobile communication device.

图4系绘示本发明中一移动通讯装置的一安全储存存储器及控制器的一实施例。FIG. 4 illustrates an embodiment of a secure storage memory and a controller of a mobile communication device in the present invention.

图5系使用于一移动通讯装置的一安全储存存储器及控制器系统架构的方块图。FIG. 5 is a block diagram of a secure storage memory and controller system architecture used in a mobile communication device.

图6系绘示在像图5系统中安全存储器的存储器组织。FIG. 6 illustrates the memory organization of the secure memory in a system like FIG. 5 .

图7系绘示本发明中在付费服务业者网络中一离线交易情境的控制流程图。FIG. 7 is a control flow chart of an offline transaction scenario in the payment service provider network in the present invention.

图8系绘示本发明中在付费服务业者网络中一在线交易情境的控制流程图。FIG. 8 is a control flow diagram of an online transaction scenario in the payment service provider network according to the present invention.

图9系绘示本发明中在付费服务业者网络中另一离线交易情境的控制流程图。FIG. 9 is a control flow diagram illustrating another offline transaction scenario in the payment service provider network in the present invention.

图10系绘示本发明中在付费服务业者网络两个移动通讯装置间交易的控制流程图。FIG. 10 is a control flow diagram illustrating a transaction between two mobile communication devices in a payment service provider network according to the present invention.

图11系绘示本发明中移动通讯装置到移动通讯装置储值转换交易,以及使用一付费服务业者网络的此等交易结算的衍生控制流程图。FIG. 11 is a flow diagram illustrating the derived control flow of mobile communication device-to-mobile communication device stored value conversion transactions and settlement of such transactions using a payment service provider network in the present invention.

图12系绘示关于透过一系列移动通讯装置以类似支票方式传送储值的步骤,以及适合支持上述传送的数据结构。FIG. 12 illustrates the steps involved in transferring stored value in a check-like manner through a series of mobile communication devices, and a data structure suitable for supporting the transfer.

图13系绘示在移动通讯装置中用来支持储值传送的数据结构,包括类似支票传送、折价券兑换与票据兑换。FIG. 13 is a diagram illustrating the data structure used to support stored value transmission in the mobile communication device, including similar check transmission, coupon redemption and bill redemption.

图14系本发明另一系统架构方块图。FIG. 14 is a block diagram of another system architecture of the present invention.

图15系绘示在付费服务业者中用来支持储值传送的账户数据库的数据结构,包括类似支票传送、折价券兑换与票据兑换。FIG. 15 is a diagram illustrating the data structure of an account database used to support stored value transfers in a payment service provider, including check transfers, coupon redemption, and bill redemption.

图16系绘示在付费服务业者网络,在一零售商的一商店端点用来增加储值至一移动通讯装置交易的控制流程图。16 is a control flow diagram illustrating a transaction for adding stored value to a mobile communication device at a store endpoint of a retailer in a payment service provider network.

图17系绘示在图16交易中借贷简明账户的金流。Figure 17 shows the cash flow of the debit and credit simplified account in the transaction of Figure 16 .

图18系绘示关于图17金流的借贷简明账户。FIG. 18 is a simplified account of debit and credit related to the cash flow in FIG. 17 .

图19系绘示在图16交易中借贷简明账户的金流。Figure 19 shows the cash flow of the debit and credit simplified account in the transaction of Figure 16 .

图20系绘示关于图19金流的借贷简明账户。FIG. 20 is a simplified account of borrowing and lending related to the cash flow in FIG. 19 .

图21绘示透过一电信服务业者网络,在付费服务业者网络中加值至一移动通讯装置的交易的控制流程图。FIG. 21 shows a control flow diagram of a transaction of adding value to a mobile communication device in a payment service provider network through a telecommunications service provider network.

图22系绘示在付费服务业者网络,在零售商的商店终端机使用一移动通讯装置付费的交易的控制流程图。FIG. 22 is a control flow diagram illustrating a payment transaction using a mobile communication device at a retailer's store terminal in a payment service provider network.

图23系绘示在图22交易中借贷简明账户的金流。Fig. 23 is a diagram illustrating the cash flow of the debit and credit simplified account in the transaction of Fig. 22 .

图24系绘示关于图23金流的借贷简明账户。FIG. 24 is a simplified account of debit and credit related to the cash flow in FIG. 23 .

图25系绘示在图22交易中借贷简明账户的替代的金流。FIG. 25 illustrates an alternative cash flow for debiting a compact account in the transaction of FIG. 22 .

图26系绘示关于图25金流的借贷简明账户。FIG. 26 shows the simplified account of borrowing and lending related to the cash flow in FIG. 25 .

【主要组件符号说明】[Description of main component symbols]

11、30、110、111、150、151、152、1402  移动通讯装置11, 30, 110, 111, 150, 151, 152, 1402 mobile communication devices

12  销售端点终端机12 Point of Sale Terminals

13  读取机/终端机13 reader/terminal

14  操作服务器14 Operating the server

15  电信接口服务器(移动付费工作站)15 Telecom interface server (mobile payment workstation)

16  电信服务业者转换器16 Telecommunications service provider converter

31  近端耦合装置31 Proximity coupling device

32  电信业者网络32 Carrier Networks

50  卡片50 cards

51  集成电路51 integrated circuits

52  无线通讯控制器52 Wireless communication controller

53  接触接口53 contact interface

54  天线54 antenna

60  微控制器60 microcontrollers

61  程序代码存储器61 program code memory

62  数据存储器62 data memory

63  接触通讯控制缓存器63 Contact communication control register

64、65  总线64, 65 bus

66  指令总线66 instruction bus

71  无线通讯程序71 Wireless communication program

72  存取控制位72 access control bits

73  阻隔73 barrier

90、153  「轻便读取机」装置90, 153 "Portable reader" device

91  票务系统工作站91 ticketing system workstation

92  无线读取机/终端机92 Wireless reader/terminal

95  金融机构工作站95 Financial Institution Workstations

96  金融卡96 Debit card

100  程序代码空间100 program code space

101  数据空间101 data space

102  区段102 section

250  加载堆栈250 load stack

251  扣除堆栈251 deduction stack

252  管制堆栈252 control stack

1401  用户终端机1401 user terminal

1403  入口网站1403 portal

1405  虚拟商店服务器1405 virtual store server

1407、1502  付费服务业者1407, 1502 Paid service providers

1409  网络处理端1409 network processing terminal

1411  注册认证1411 registration certification

1413、1500  账户数据库1413, 1500 account database

1415  结算系统操作服务器1415 Settlement system operation server

1417  零售商A11417 Retailer A1

1423  零售商B11423 Retailer B1

1429  零售商C11429 Retailer C1

1435、1512  电信操作A1435, 1512 Telecommunications Operation A

1437、1514  电信操作B1437, 1514 Telecommunications operations B

1439  电信操作C1439 Telecommunications operations C

1506  商业通路A1506 Commercial Route A

1508  商业通路B1508 Commercial Route B

1510  商业通路C1510 Commercial Route C

176、181、196、201  用户A1账户176, 181, 196, 201 user A1 account

177、182、197、202  零售商B2账户177, 182, 197, 202 Retailer B2 account

178、183、198、203  付费服务业者账户178, 183, 198, 203 Paid service provider accounts

199、204  付费服务业者的购买账户199, 204 Purchase account of paid service provider

236、2506、261  用户C1账户236, 2506, 261 user C1 account

237、2507、262  零售商A1账户237, 2507, 262 Retailer A1 account

238、2508、263  付费服务业者账户238, 2508, 263 Paid Service Provider Accounts

239、2509、264  付费服务业者的购买账户239, 2509, 264 Purchase accounts of paid service providers

具体实施方式Detailed ways

本发明的详尽实施例的描述,可参照图1至图26作为参考。For a detailed description of embodiments of the present invention, reference may be made to FIGS. 1 to 26 .

图1系绘示本发明用于移动付费系统的基本系统架构。一移动通讯装置11包含一储值存储器系组态于建立两个独立的无线连接,包含具有一读取机/终端机13(包含作为一交易终端机所需的资源)的连接20,以及具有透过该电信服务业者转换器16(或者替代地可为一路由器、计算机、或其它电子装置)的一电信接口服务器15的连接21。举例来说,该移动通讯装置11可为一移动电话,或其它手持装置、PDA、计算机或其它电子装置。举例来说,连接20系建立使用结合产业标准ISO14443(用来确保在邻近装置间无线通讯无虑)的短程的无线技术。关于在此所描述的系统,连接20系用在该移动通讯装置上的储值收费或再收费,以及其它安全交易,像是:用来管理该装置上储值存储器的程序更新。连接21系建立电信业者网络并使用一协议(例如:短信服务SMS、802.11b/g、GSM、PHS或其它网络数据传输协议)。举例来说,该装置11可组态于连接使用短信服务(SMS)信息,而其具有连接于该电信服务业者转换器16的电信接口服务器15。该连接21系使用透过该电信接口服务器15,来传送交易记录至该操作服务器14。在所述的实施例中,该读取器/终端机13的交易终端机系连接至一销售端点终端机12,而其可实施在使用一般的销售端点终端机技术,包含个人计算机、收款机或其它类似。在所述实施例中,该读取机/终端机13包含使用在此所描述的嵌入式操作系统的移动付费系统的交易终端机的资源,以及储存于安全存储器的应用程序,而其系用来避免被零售商或其它可进入该装置的人加以窜改程序。在其它实施例中,在该读取机/终端机13的读取机可整合该销售端点终端机12、移动电话或其它手持装置或其它电子装置。FIG. 1 shows the basic system architecture of the mobile payment system of the present invention. A mobile communication device 11 comprising a stored value memory is configured to establish two independent wireless connections, including a connection 20 with a reader/terminal 13 (including resources required as a transaction terminal), and a connection with A connection 21 to a telecommunications interface server 15 through the telecommunications provider switch 16 (or alternatively a router, computer, or other electronic device). For example, the mobile communication device 11 can be a mobile phone, or other handheld devices, PDA, computer or other electronic devices. For example, connection 20 is established using short-range wireless technology in conjunction with industry standard ISO14443 (used to ensure wireless communication between nearby devices without worry). With respect to the system described here, connection 20 is used for stored value charging or recharging on the mobile communication device, and other secure transactions, such as: for managing program updates of the stored value memory on the device. Connection 21 establishes a carrier network and uses a protocol (eg SMS, 802.11b/g, GSM, PHS or other network data transmission protocols). For example, the device 11 may be configured to connect using Short Message Service (SMS) messages having a Telecom interface server 15 connected to the Telco switch 16 . The connection 21 is used through the telecommunications interface server 15 to transmit transaction records to the operations server 14 . In the illustrated embodiment, the transaction terminal of the reader/terminal 13 is connected to a point-of-sale terminal 12, which can be implemented using conventional point-of-sale terminal technology, including personal computers, cash collection machine or the like. In the described embodiment, the reader/terminal 13 comprises the resources of the transaction terminal of the mobile payment system using the embedded operating system described herein, as well as the application program stored in the secure memory, which is used to prevent tampering with the program by retailers or others with access to the device. In other embodiments, the reader at the reader/terminal 13 may integrate the point-of-sale terminal 12, mobile phone or other handheld device or other electronic device.

在此实施例中,该交易终端机使用嵌入式操作系统,以及无线读取机/终端机13的应用程序,透过具有该移动付费系统架构的操作服务器14的一连接22来建立通讯。In this embodiment, the transaction terminal uses an embedded operating system and the application program of the wireless reader/terminal 13 to establish communication through a connection 22 of the operating server 14 with the mobile payment system architecture.

该操作服务器14包含一数据库服务器,一注册认证及基本操作管理服务器组件。该管理服务器14提供一账户系统,而其处理关系者的资产(例如:电子礼物)集中于在此所述的付费服务业者网络。该基本操作管理服务器组件系以高度安全措施来保护关系者的资产。该账户系统的建置包含账面记录机制来表示客户及零售商的储值数目,以及账户间的储值转换,像是在传统的银行账户中的账户管理。该操作服务器14系组态于具有该操作服务器14与该金融体系网络之间主动通讯的在线模式操作,以及由该金融体系网络断线的离线模式操作。在该离线模式中,该操作服务器14的资源系模拟或作为取代在金融体系网络的中央银行之用,并对储值交易作为最终的结算机构。该操作服务器14亦包含可应用于复审或监视该储值决算记录,以及检测诈欺或窜改该移动装置上储值存储器的账户活动,以及改进该移动付费系统的安全性的程序。举例来说,对于每位用户,储值决算记录系与被该操作服务器的账户记录中的账户活动一致。同时,在该操作服务器上的程序,可监控该储值决算记录的收据,以确定每一移动通讯装置传送一储值决算记录至该操作服务器在特定的时间内,并确定该装置系在正常操作状态。The operation server 14 includes a database server, a registration authentication and basic operation management server components. The management server 14 provides an account system that handles related party assets (eg, electronic gifts) centrally in the paid service provider network described herein. The base operations management server component is protected with high security measures to protect the assets of the stakeholders. The construction of the account system includes a book record mechanism to indicate the amount of stored value of customers and retailers, and the conversion of stored value between accounts, such as account management in traditional bank accounts. The operations server 14 is configured to operate in an online mode with active communication between the operations server 14 and the financial system network, and to operate in an offline mode disconnected from the financial system network. In the offline mode, the resources of the operating server 14 are used to simulate or act as a substitute for a central bank in the financial system network and act as the final settlement institution for stored value transactions. The operations server 14 also includes programs applicable to review or monitor the stored value statement records, detect fraudulent or tampered account activity on the stored value storage on the mobile device, and improve the security of the mobile payment system. For example, for each user, the stored value statement record is consistent with the account activity in the account record of the operating server. At the same time, the program on the operation server can monitor the receipt of the stored value settlement record to confirm that each mobile communication device transmits a stored value settlement record to the operation server within a specific time, and to determine that the device is in normal operating state.

该电信接口服务器15建立具有该操作服务器14的通讯连接23,例如:借着因特网或ADSL或其它有线连接。连接22系使用于由该交易终端机传送交易记录至该操作服务器14(不论是个人或是一整批记录),以及为了升级应用程序、安全日期交易的金钥交换、与依据用户交易传送借款至该交易终端机的目的,而由该操作服务器14传送数据至该交易终端机。连接23系使用于传送交易记录至该操作服务器14(不论是个人或是一整批记录),而该交易记录系从该移动通讯装置,通过使用该电信业者网络路径,而被该电信接口服务器15所接收。连接23亦被使用于由该操作服务器至该电信接口服务器15的管理数据传送,进而支持本系统。The telecommunication interface server 15 establishes a communication connection 23 with the operating server 14, eg via the Internet or ADSL or other wired connections. Connection 22 is used to transmit transaction records from the transaction terminal to the operations server 14 (whether individual or batch records), and for application upgrades, key exchange for secure date transactions, and transfer of loans against user transactions For the purpose of the transaction terminal, the operation server 14 transmits data to the transaction terminal. Connection 23 is used to transmit transaction records (whether individual or batch records) to the operations server 14, and the transaction records are received by the telecommunication interface server from the mobile communication device by using the telecommunication provider network path. 15 received. Connection 23 is also used for the transfer of management data from the operations server to the telecommunications interface server 15 to support the system.

在图1所描述的架构提供由该电信接口服务器15及该交易终端机传送交易记录至该操作服务器14。可从两个来源的交易记录来确认该笔交易、增加交易及储值完整性、检测该移动通讯装置及交易终端机的窜改、以及其它提供高可靠性的结帐结果。The architecture described in FIG. 1 provides for the transmission of transaction records to the operation server 14 by the telecommunication interface server 15 and the transaction terminal. The transaction can be confirmed from transaction records from two sources, increasing transaction and stored value integrity, detecting tampering of the mobile communication device and transaction terminal, and other checkout results providing high reliability.

图2系绘示介于该读取机/终端机13与该操作服务器14间的连接22。在代表的实施例中,该连接22可在因特网上建立使用所谓虚拟私有网络(VPN)技术或者其它安全技术,例如:可以提供公共交换电信网络(PSTN)。依据介于该读取机/终端机13与该操作服务器14之间的一般互换,该无线读取机/终端机13转送一批交易记录至该操作服务器14,来取代每隔一段时间或依照该交易服务器的要求而做的结算。FIG. 2 shows the connection 22 between the reader/terminal 13 and the operation server 14 . In the representative embodiment, the connection 22 may be established over the Internet using so-called Virtual Private Network (VPN) technology or other security technology, eg the Public Switched Telecommunications Network (PSTN) may be provided. According to the general exchange between the reader/terminal 13 and the operation server 14, the wireless reader/terminal 13 forwards a batch of transaction records to the operation server 14 instead of every once in a while or Settlement made in accordance with the requirements of the trade server.

假如有一移动通讯装置透过该无线读取机/终端机13,而要求零售商储值的在线再储值,该无线读取机/终端机13转送再储值要求至该操作服务器14来认证。该无线读取机/终端机13或许会允许离线再储值。在此实施例中,该离线再储值系不需连接至该操作服务器14即可完成认证。该笔交易系依赖每一移动通讯装置持有人与零售商间的信用。而零售商可能需仰赖信用卡网络或其它确认信用的资源。If there is a mobile communication device through the wireless reader/terminal 13, which requires the retailer to recharge the value online, the wireless reader/terminal 13 forwards the recharge request to the operation server 14 for authentication . The wireless reader/terminal 13 may allow offline reloading. In this embodiment, the offline recharge system does not need to connect to the operation server 14 to complete the authentication. The transaction relies on the credit between each mobile communication device holder and the retailer. Retailers may rely on credit card networks or other sources of credit confirmation.

透过介于该操作服务器14与个人无线读取机/终端机(终端机13)的连接,该操作服务14可以在该个人读取机/终端机和该移动通讯装置上升级应用程序,使用该读取机/终端机来更新数据,包含处理费用、特定的特价商品价格、特定期间内的折价券等等。此外,该操作服务器14使用安全联机的情况下进行离线交易,可以借款给该读取机/终端机。Through the connection between the operation server 14 and the personal wireless reader/terminal (terminal 13), the operation service 14 can upgrade the application program on the personal reader/terminal and the mobile communication device, using The reader/terminal is used to update data, including processing charges, prices of specific specials, discount coupons for a specific period, etc. In addition, the operation server 14 can lend money to the reader/terminal for offline transactions using a secure online connection.

依据本发明所述结构,该操作服务器14可以区别每一零售商与每一交易终端机13,并实施不同应用程序、不同数据及再储值的配额,同时在对移动付费交易的执行上,可支持其它终端机特定需求。此外,该系统可以处理该移动通讯装置11的漫游。特别是在,当该移动通讯装置11由终端机移动到终端机时,该操作服务器可以追踪该装置,并提供正确的应用程序或特殊装置在交易上所需的其它数据,以及利用如此区域参数作为使用一特殊移动通讯装置的每一交易的汇率。According to the structure of the present invention, the operation server 14 can distinguish each retailer and each transaction terminal 13, and implement different application programs, different data and recharge quotas, and at the same time, perform mobile payment transactions , which can support specific requirements of other terminals. In addition, the system can handle roaming of the mobile communication device 11 . In particular, when the mobile communication device 11 is moved from terminal to terminal, the operation server can track the device and provide the correct application or other data required for the transaction of a particular device, as well as using such locale parameters As an exchange rate for each transaction using a particular mobile communication device.

图3系绘示在本发明所述的架构下所使用的移动通讯装置的基本特性。该移动通讯装置30包含可以在两个独立媒介下连接的一通讯装置,包含一电信业者网络32及一邻近通讯媒介,包含一无线媒介(例如:符合产业标准ISO 14443智能卡技术的一近端耦合装置31(PCD))。该移动通讯装置可为一标准移动电话,一个人数字助理、或者是可为包含一控制器及安全存储器(支持会影响数据储存在一安全存储器的交易,而该安全存储器系使用于本发明所述两个独立媒介中)的其它移动通讯技术。该移动通讯装置30可组态于一用户识别模块(SIM),以及兼容命令及程序并遵守该产业标准SIM应用发展工具(3GPP TS 02.17:用户识别模块(SIM)功能特征)公布于第三代合作计划(3GPP)。FIG. 3 illustrates the basic characteristics of a mobile communication device used under the framework of the present invention. The mobile communication device 30 comprises a communication device connectable over two independent media, including a carrier network 32 and an adjacent communication medium, including a wireless medium (e.g. a near-end coupling conforming to industry standard ISO 14443 smart card technology) device 31 (PCD)). The mobile communication device can be a standard mobile phone, a personal digital assistant, or can include a controller and secure memory (to support transactions that affect data stored in a secure memory, and the secure memory is used in the present invention) other mobile communication technologies in the two independent media mentioned above. The mobile communication device 30 can be configured in a Subscriber Identity Module (SIM), and is compatible with commands and programs and complies with the industry standard SIM application development tool (3GPP TS 02.17: Subscriber Identity Module (SIM) Functional Features) published in the third generation Partnership Project (3GPP).

图4系绘示适用于一移动通讯装置(例如:手机)的一控制器及安全存储器的实施例。在图4的实施例中,包含一处理器及安全存储器的一集成电路51系嵌合于一卡片50之上,而该卡片兼容于产业标准用户识别模块(SIM)卡。该卡片50包含接触接口53,在本实施例中特别是依据标准ISO 7816,并设计来符合该电话30的一SIM卡插槽。除了该接触接口53之外,集成电路51耦接于一无线通讯控制器52,而无线通讯控制器52耦接于一天线54,以连接依据产业标准ISO 14443的该近端耦合装置31。在本技术的实施例中,集成电路51在单一芯片上包含所有系统组件,包含有该无线通讯控制器52。在其它实施例中,集成电路51系被一为控制器、分离存储芯片、及其它在本发明中实施移动付费系统的一控制器及安全存储器所需的支持电路系统。FIG. 4 shows an embodiment of a controller and secure memory suitable for a mobile communication device (such as a mobile phone). In the embodiment of FIG. 4, an integrated circuit 51 including a processor and secure memory is embedded on a card 50 that is compatible with industry standard Subscriber Identity Module (SIM) cards. The card 50 comprises a contact interface 53, in this embodiment in particular according to standard ISO 7816, and designed to fit into a SIM card slot of the phone 30. In addition to the contact interface 53, the integrated circuit 51 is coupled to a wireless communication controller 52, and the wireless communication controller 52 is coupled to an antenna 54 to connect the proximal coupling device 31 according to the industry standard ISO 14443. In an embodiment of the present technology, an integrated circuit 51 includes all system components, including the wireless communication controller 52, on a single chip. In other embodiments, integrated circuit 51 is used as a controller, separate memory chips, and other supporting circuitry required to implement a controller and secure memory of the mobile payment system in the present invention.

图5系绘示在本发明中在该集成电路51适用于一移动通讯装置的一控制器及安全存储器的基本方块图。该集成电路51包含一微控制器60。该微控制器60系通过接触通讯控制缓存器63耦接至数据存储器62的存取控制位72。该微控制器60系通过指令总线66耦接至一程序代码存储器61。该微控制器60系亦通过总线64耦接至该数据存储器62中以存取安全数据的方块73。该微控制器60提供地址定序在总线65上至该程序代码存储器61。该程序代码存储器61储存一接触通讯程序70,而其透过该卡片与区域移动通讯装置的接触来管理通讯以达数据储存管理。在该程序代码存储器的程序可存取该通讯协议,而该通讯协议系借着该接触通讯程序70透过该电信业者网络来使用一通讯路径。同时,该程序代码存储器61储存一无线通讯程序71,而其系透过在该卡片上的无线模块来管理通讯以达数据储存管理。在程序代码存储器内的程序可存取该通讯协议,而透过无线通讯程序71与该交易终端机连接。因此,该微处理器包含接触输入/输出终端机的一端口76在该卡片上、使用于该接触端口76一时钟讯号的一端口77、以及用来在该无线物理层装置驱动的一端口78。FIG. 5 is a basic block diagram of a controller and secure memory in the integrated circuit 51 suitable for a mobile communication device in the present invention. The integrated circuit 51 includes a microcontroller 60 . The microcontroller 60 is coupled to the access control bit 72 of the data memory 62 through the contact communication control register 63 . The microcontroller 60 is coupled to a program code memory 61 via a command bus 66 . The microcontroller 60 is also coupled via the bus 64 to a block 73 of the data memory 62 for accessing secure data. The microcontroller 60 provides address sequencing on a bus 65 to the program code memory 61 . The program code memory 61 stores a contact communication program 70, and it manages the communication through the contact between the card and the local mobile communication device to achieve data storage management. The program in the program code memory can access the communication protocol using a communication path through the carrier network through the contact communication program 70 . At the same time, the program code memory 61 stores a wireless communication program 71, which manages communication through the wireless module on the card to achieve data storage management. The program in the program code memory can access the communication protocol, and connect with the transaction terminal through the wireless communication program 71 . Thus, the microprocessor includes a port 76 for contact I/O terminals on the card, a port 77 for a clock signal on the contact port 76, and a port 78 for device drivers in the wireless physical layer .

图6系绘示一存储器组织适用于该移动付费控制器的集成电路51。该存储器组织包含储存计算机程序的一程序代码空间100,其中部分注入数个不可被用户更动的一次可编程只读存储器(OTPROM)的存储库(存储库0至存储库4及一通用区域),以及部分系可在该操作服务器及/或一交易终端机更新协议使用安全程序下加以更动。举例来说,在一实施例中,该更动程序系储存于快闪只读存储器中(存储库5至存储库6)。该存储器组织亦包含一数据空间101,而其包含电可擦写可编程只读存储器(EEPROM)(存储库0至存储库1)包含一区段102分配于产业标准ISO 14443的A型安全存储器协议。FIG. 6 shows a memory organization suitable for the integrated circuit 51 of the mobile payment controller. The memory organization consists of a program code space 100 for storing computer programs, part of which is injected into several memory banks of one-time programmable read-only memory (OTPROM) that cannot be changed by the user (bank 0 to bank 4 and a general area) , and some of them can be changed under the operation server and/or a transaction terminal update protocol using security procedures. For example, in one embodiment, the modification program is stored in flash ROM (bank 5 through bank 6). The memory organization also includes a data space 101 which includes electrically erasable programmable read-only memory (EEPROM) (bank 0 to bank 1) including a sector 102 allocated in the industry standard ISO 14443 Type A secure memory protocol.

图7系绘示由一零售商购买商品或服务的一离线交易代表性的控制流程,包含步骤1.0至7.0对于在一移动通讯装置11、以及具有一交易终端机13的零售商、以及相对应的系统管理,关于在图1所示的架构。每一步骤解释如下:FIG. 7 is a representative control flow of an offline transaction for purchasing goods or services by a retailer, including steps 1.0 to 7.0 for a mobile communication device 11, a retailer with a transaction terminal 13, and related Corresponding system management, with respect to the architecture shown in Figure 1. Each step is explained below:

1.0-电信业者网络及移动付费工作站15利用该移动通讯装置11执行一信息交换来在该移动通讯装置中建立储值、或借着储存第一笔储值、或增加储值。1.0—Telecom operator network and mobile payment workstation 15 uses the mobile communication device 11 to perform a message exchange to establish stored value in the mobile communication device, or by storing the first stored value, or increasing the stored value.

2.0-在零售商端的该终端机包含一近端耦合装置13,以及该移动通讯装置11的一内部交换,该笔储值系在该移动通讯装置中扣除,以及转换至与零售商交易的交易终端机。2.0 - The terminal at the retailer comprises a near-end coupling device 13 and an internal exchange of the mobile communication device 11 in which the stored value is debited and converted to a transaction with the retailer terminal.

3.1-该该移动通讯装置11传送一交易记录,系经由该电信业者网络,以及在该电信业者网络上使用一信息协议的该移动付费工作站15。3.1-The mobile communication device 11 transmits a transaction record via the carrier network and the mobile payment workstation 15 using a message protocol on the carrier network.

3.2-该交易终端机传送对应该交易的一交易记录,一般系以一批交易记录,至该操作服务器14。3.2 - The transaction terminal sends a transaction record corresponding to the transaction, usually in a batch of transaction records, to the operation server 14 .

4.1-该移动付费工作站及电信业者网络可在一账单系统下处理该交易记录,以及与该移动通讯装置11中建立步骤1.0的储值消费者收费。4.1-The mobile payment workstation and the carrier network can process the transaction records under a billing system, and establish the stored-value consumer charge of step 1.0 in the mobile communication device 11 .

4.2-该操作服务器14处理该交易记录,由该交易终端机传送至在步骤3.2中操作服务器。4.2-The operation server 14 processes the transaction record, which is transmitted by the transaction terminal to the operation server in step 3.2.

5.0-该移动付费工作站传送建立在步骤2.0中交易的该交易记录,一般系以一批交易记录,至该操作服务器及工作站14的该数据服务器。5.0—The mobile payment workstation transmits the transaction records established in step 2.0, usually in a batch of transaction records, to the operation server and the data server of the workstation 14.

6.0-该操作服务器14将经由该电信业者网络16及移动付费工作站15接收的记录,跟从该交易终端机13接收的记录来比对。若该等记录相符合,以及用户认证与其它认证合适的执行,然后该操作服务器14使用该账户系统来从该付费者账户传送该笔储值至该收款人账户,以结算该笔交易。6.0—The operation server 14 compares the record received via the carrier network 16 and the mobile payment workstation 15 with the record received from the transaction terminal 13 . If the records match, and user authentication and other authentication are properly performed, then the operation server 14 uses the account system to transfer the stored value from the payer account to the payee account to settle the transaction.

7.0-该操作服务器14升级应用程序,维护安全数据传送中最新的安全金钥交换、在该交易终端机13上储值的收款与付款、下载该交易终端机所使用的升级数据。7.0 - The operation server 14 upgrades the application program, maintains the latest secure key exchange in secure data transmission, deposits and payments of stored value on the transaction terminal 13, downloads the updated data used by the transaction terminal.

图8系绘示在本发明中该付费服务网络,针对在线交易用户使用该移动通讯装置存取一在线系统,从娱乐门票贩卖服务零售商而得到储值。此情境包括一移动付费架构而在图1的交易终端机置换为一「轻便读取机」装置90适合用来使用在桌上型台式个人计算机,包含与一移动通讯装置无线通讯的一近端耦合装置,以及一有线或无线连接至该个人计算机或其它主机处理器。在本项技术实施例中的「轻便读取机」装置90亦包含用来接触式基础的信用卡或转帐卡的一读取机,例如一磁条读取机或类似装置。「轻便读取机」装置90可通过该移动通讯装置基座适用于个人使用或多人使用活动。该操作服务器14适于以相同方式支持该「轻便读取机」装置90,其支持在图1的系统中的该交易终端机。此外该操作服务器14适于联系第三方,例如一票务系统工作站91。在本实施例中,该票务系统工作站91系一娱乐票务零售商,虽然其可操作为任何类型商品或服务零售商的一接口。一零售商(例如:一娱乐场所)配置一无线读取机/终端机92像是图1的交易终端机13在该场所中来兑换该等票卷,FIG. 8 shows the payment service network in the present invention. For online transactions, users use the mobile communication device to access an online system, and obtain stored value from entertainment ticket sales service retailers. The scenario involves a mobile payment architecture and the transaction terminal in Figure 1 is replaced by a "portable reader" device 90 suitable for use on a desktop personal computer, including a near-end wirelessly communicating with a mobile communication device coupling device, and a wired or wireless connection to the personal computer or other host processor. The "portable reader" device 90 in embodiments of the present technology also includes a reader for contact-based credit or debit cards, such as a magnetic stripe reader or similar device. The "portable reader" device 90 can be adapted for personal use or multi-person use activities through the mobile communication device base. The operating server 14 is adapted to support the "portable reader" device 90 in the same way that supports the transaction terminal in the system of FIG. 1 . Furthermore, the operating server 14 is suitable for contacting third parties, for example a ticketing system workstation 91 . In this embodiment, the ticketing system workstation 91 is an entertainment ticketing retailer, although it could operate as an interface to any type of merchandise or service retailer. A retailer (for example: an entertainment place) configures a wireless reader/terminal 92 like the transaction terminal 13 of FIG. 1 to redeem the tickets in the place,

在本系统的一些实施例中,该操作服务器系适于呈现于一网站设定唯一入口网站来接受零售商的存取,例如该票务系统工作站91。该移动通讯装置11更适合来存取该操作服务器所呈现的网站,透过该入口网站在该移动通讯装置上展示与该等零售商完成交易的互动接口。该网站提供的入口网站可经由该操作服务器14管理,或经由习知技术所知的其它网站服务。In some embodiments of the system, the operational server is adapted to present a unique portal on a website to be accessed by retailers, such as the ticketing system workstation 91 . The mobile communication device 11 is more suitable for accessing the website presented by the operating server, and the interactive interface for completing transactions with the retailers is displayed on the mobile communication device through the portal website. The portal website provided by the website can be managed through the operation server 14, or through other website services known in the prior art.

与该票务系统工作站91交易或相关步骤的代表控制流程如图8所示。每一步骤描述如下:The representative control flow of transactions or related steps with the ticketing system workstation 91 is shown in FIG. 8 . Each step is described as follows:

1.0-该移动通讯装置11与该网站连接代表该付费服务业者以作为零售商的入口网站,例如:该票务系统工作站91。1.0—The mobile communication device 11 is connected to the website representing the payment service provider as the portal website of the retailer, for example: the ticketing system workstation 91 .

2.0-入口网站更改用户的连接至该票务系统工作站91的零售商系统,而此等资源可透过该票务系统工作站允许用户购买一娱乐票卷2.0 - Portal changes the user's retailer system connected to the ticketing system workstation 91, and these resources can allow the user to purchase an entertainment ticket through the ticketing system workstation

3.0-该票务系统工作站91送回储值数据代表该购买的票卷,连带交易记录至该操作服务器14。3.0—The ticketing system workstation 91 sends back the stored value data representing the purchased ticket, together with transaction records to the operation server 14 .

4.0-该操作服务器传送代表该票卷的储值数据通过该「轻便读取器」装置90至该移动通讯装置11,而其被储存以供之后使用。4.0 - The operation server transmits the stored value data representing the ticket via the "handy reader" device 90 to the mobile communication device 11, where it is stored for later use.

5.0-在与该「轻便读取器」装置90互动交换,在该移动通讯装置11上的储值,系依据购买该票卷的交易扣款。5.0 - After interacting with the "portable reader" device 90, the stored value on the mobile communication device 11 is deducted according to the transaction of purchasing the ticket.

6.0-该「轻便读取器」装置90传送该交易记录至该操作服务器14,而在该操作服务器的账户系统则由用户的账户传送储值至票务系统零售商账户。6.0 - The "handy reader" device 90 sends the transaction record to the operation server 14, and the account system at the operation server transfers the stored value from the user's account to the ticketing system retailer account.

7.0-该操作服务器14传送该交易记录,一般系以一批交易记录,至零售商端的终端机92。7.0—The operation server 14 transmits the transaction record, generally in a batch of transaction records, to the terminal 92 at the retailer.

8.0-用户将该移动通讯装置11带至零售商端的交易终端机92,并在该移动通讯装置上启用该票卷以进入该事件,否则经由被操作服务器14操作的入口网站赎回已购买的储值。8.0 - The user brings the mobile communication device 11 to the transaction terminal 92 at the retailer and activates the ticket on the mobile communication device to enter the event, otherwise redeems the purchased ticket via the portal operated by the operating server 14 stored value.

图9系绘示在本发明中另一在线交易该付费服务业者网络支持,用户存取一在线系统从由银行或其它金融机构的网络自动柜员机在线网络而得到储值。在此实施例中一服务器系金融交易网络的部分,例如网络自动柜员机工作站95系连接于该操作服务器14。该「轻便读取机」装置90亦包含读取在金融卡96上磁条的资源,例如:由银行发行的信用卡或转帐卡。该工作站95系由代表发行该卡片的银行、由银行本身或由相关金融机构所操作。FIG. 9 illustrates another online transaction supported by the payment service provider network in the present invention. The user accesses an online system to obtain stored value from the online network of ATMs of banks or other financial institutions. In this embodiment a server is part of the financial transaction network, for example a network ATM workstation 95 is connected to the operational server 14 . The "portable reader" device 90 also includes resources for reading the magnetic stripe on a financial card 96, such as a credit or debit card issued by a bank. The workstation 95 is operated on behalf of the bank that issued the card, by the bank itself or by the relevant financial institution.

与该自动柜员机工作站91交易或相关步骤的代表控制流程如图9所示。每一步骤描述如下:A representative control flow of transactions or related steps with the ATM workstation 91 is shown in FIG. 9 . Each step is described as follows:

1.0-该移动通讯装置11与该网站连接代表该付费服务业者以作为金融机构的入口网站,例如:该自动柜员机系统工作站91。1.0—The mobile communication device 11 is connected to the website representing the payment service provider as the portal website of the financial institution, for example: the automatic teller machine system workstation 91 .

2.0-操作服务器入口网站更改用户的连接至由代表该金融机构工作站95。该付费服务业者操作该操作服务器14并维护该金融机构账户以支持在用户持有账户与该付费服务业者间的金钱交换。2.0 - The Operations Server Portal changes the user's connection to the workstation 95 represented by the financial institution. The pay service provider operates the operations server 14 and maintains the financial institution account to support the exchange of money between user-held accounts and the pay service provider.

3.0-用户插入该金融卡96至该「轻便读取机」装置90,并执行必要的认证处理。3.0 - The user inserts the financial card 96 into the "portable reader" device 90 and performs the necessary authentication process.

4.0-通过该工作站95来操作该网站,用户指示金融系统由用户账户交换金钱至由该工作站95相关金融机构管理的付费服务业者账户。4.0 - Operating the website through the workstation 95, the user instructs the financial system to exchange money from the user's account to the payer account managed by the financial institution associated with the workstation 95.

5.0-银行回传一信息至该操作服务器指示该交换已经完成,而该账户系统增加用户储值结余给付费服务业者网络。5.0-The bank returns a message to the operation server indicating that the exchange has been completed, and the account system adds the user's stored value balance to the payment service provider network.

6.0-操作服务器14传送由用户账户经过「轻便读取机」装置扣除的储值数据至该移动通讯装置,而其被储存以供之后使用。6.0 - The operation server 14 transmits the stored value data deducted from the user's account through the "portable reader" device to the mobile communication device, and it is stored for later use.

图10系绘示本发明所述移动通讯装置间彼此传输储值的金融交易架构。因此,由付款人所持有的一第一移动通讯装置110及由收款人所持有的一第二移动通讯装置111间建立连接,透过可直接支持此等装置间的近端耦合或借着其它连接路径,或使用电信业者网络。移动通讯装置110及111间的交易代表控制流程,如图9所示。每一步骤描述如下:FIG. 10 is a diagram illustrating a financial transaction structure for transferring stored value between mobile communication devices according to the present invention. Therefore, a connection is established between a first mobile communication device 110 held by the payer and a second mobile communication device 111 held by the payee, by directly supporting near-end coupling or By other connection path, or use the carrier's network. The transaction between the mobile communication devices 110 and 111 represents a control flow, as shown in FIG. 9 . Each step is described as follows:

1.0-将移动通讯装置110与移动通讯装置111连接来建立以电子支票或折价券,或由付款人早先购买的票卷等形式的储值交换连接至该收款人的移动通讯装置111,而使用像是产业标准SIM应用发展工具的资源。1.0 - connect the mobile communication device 110 with the mobile communication device 111 to establish a stored value exchange in the form of an electronic check or coupon, or a ticket purchased earlier by the payer, etc. connected to the payee's mobile communication device 111, and Use resources like industry standard SIM application development tools.

2.1-在付款人移动通讯装置110的储值结余系会扣除即将被传送的数值,以及具有包含付款人签名与传送数值等支票特性的信息,或具有背书折价券或包含付款人签名票卷,来搭配着电子折价券或票卷传送。2.1 - The stored value balance in the payer's mobile communication device 110 will be deducted from the value to be transmitted, and information with check characteristics including the payer's signature and the transmitted value, or an endorsement discount coupon or a voucher containing the payer's signature, Come with electronic discount coupon or ticket delivery.

2.2-付款人传送电子支票或背书折价券至该收款人的移动通讯装置。2.2- The payer sends the electronic check or endorsement coupon to the mobile communication device of the payee.

3.0-收款人移动通讯装置111储存该电子支票或背书折价券作为在装置111上储值存储器的一管制结余。在此步骤收款人不能兑换此支票或折价券。更者,该管制结余在与该操作服务器兑换时必须被认证,例如:由图11中所述的一兑换情况。3.0 - The payee's mobile communication device 111 stores the electronic check or endorsement coupon as a control balance in the stored value memory on the device 111 . The payee cannot redeem the check or coupon at this step. What's more, the control balance must be authenticated when exchanging with the operation server, for example: an exchanging situation described in FIG. 11 .

4.0-收款人移动通讯装置111可与其它移动通讯装置执行类似交易,在装置间移动电子支票或背书折价券搭配者必需的签名会背书来允许日后的支票或折价券的赎回。4.0 - Payee mobile communication device 111 can perform similar transactions with other mobile communication devices, moving electronic checks or endorsement coupons between devices The signature required by the recipient will endorse to allow redemption of the check or coupon in the future.

图11系绘示图10金融交易架构的延伸,说明在多个移动通讯装置间储值转换,以及在离线模式下使用付费服务业者网络来兑换转换储值。在图11架构中,以该第一移动通讯装置150作为一起始付款。一第二移动通讯装置151(收款人A)。之后的移动通讯装置是一系列彼此互相连接至一最终移动通讯装置152(收款人Z)。每一移动通讯装置150-152包含机载资源以作为储值装置,及使用近端耦合装置的交易终端机,或其它通讯技术来转换装置与装置间的储值。在图11中所示的架构包含一「轻便读取机」装置153,或其它具有与操作服务器通讯连接的交易终端机。由装置与装置间移动储值以及结算交易的代表控制流程,如图11所示。每一步骤描述如下:FIG. 11 is an extension of the financial transaction framework shown in FIG. 10 , illustrating the transfer of stored value between multiple mobile communication devices, and using the pay service provider network to exchange stored value in an offline mode. In the framework of FIG. 11 , the first mobile communication device 150 is used as an initial payment. A second mobile communication device 151 (payee A). Subsequent mobile communication devices are a series of interconnections to a final mobile communication device 152 (Payee Z). Each mobile communication device 150-152 includes an on-board resource as a stored value device, and a transaction terminal using a near-end coupling device, or other communication technology to transfer the stored value between devices. The architecture shown in FIG. 11 includes a "portable reader" device 153, or other transaction terminal having a communication link with the operating server. The representative control flow of moving stored value and settlement transactions between devices is shown in Figure 11. Each step is described as follows:

1.0-使用一连串的流程,如图10所述,将付款人所持有的移动通讯装置150转换储值至收款人A所持有的移动通讯装置151。1.0 - Use a series of processes, as shown in FIG. 10 , to convert the stored value from the mobile communication device 150 held by the payer to the mobile communication device 151 held by the payee A.

2.0-收款人A所持有移动通讯装置151以一种类似支票方式来转换该储值至下一个移动通讯装置,包含该付款人的签名及收款人A的背书,直到该笔储值到达收款人Z所持有的最终移动通讯装置。2.0-The mobile communication device 151 held by the payee A converts the stored value to the next mobile communication device in a check-like manner, including the signature of the payer and the endorsement of the payee A, until the stored value Arrive at the final mobile communication device held by payee Z.

3.0-收款人Z使用移动通讯装置152使用无线连接来连接至该「轻便读取机」装置153,举例来说,通过该操作服务器14透过可用连接来使用「轻便读取机」装置153,以呈现在整个过程中所有付款人所必需的签名与背书来表示储值。3.0 - Payee Z uses a mobile communication device 152 to connect to the "handy reader" device 153 using a wireless connection, for example, through the operation server 14 to use the "handy reader" device 153 through an available connection , to represent stored value by presenting the signatures and endorsements required by all payers throughout the process.

4.0-操作服务器14管理在整个过程中由原始付款人至每一收款人移动该笔储值的账户,直到该笔储值进入最终收款人的账户。4.0 - Operation The server 14 manages the account for moving the stored value from the original payer to each payee throughout the process until the stored value enters the final payee's account.

5.0-透过该「轻便读取机」装置153至收款人Z所持有的移动通讯装置,操作服务器14可转换该笔储值,或用其它方式来放行被管制的储值。5.0-Through the "portable reader" device 153 to the mobile communication device held by the payee Z, the operation server 14 can convert the stored value, or use other methods to release the controlled stored value.

图12系绘示类似支票形式的储值转换的一代表性步骤。在本实施例中,依照图12所示的步骤,每一移动通讯装置有包含三种指令堆栈(加载堆栈250、扣除堆栈251、及管制堆栈252)的一数据结构。该加载堆栈250储存指定用来加载储值或增加装置的储值。该扣除堆栈251储值指令用来扣除装置的储值。管制堆栈252储值指令用来确认在转换该操作服务器或其它认证服务之前,管制转换至该装置的储值的存取。当然可使用多种其它的数据组织。在装置与装置间移动储值以及结算交易的代表控制流程,如图12所示。每一步骤描述如下:FIG. 12 is a diagram illustrating a representative step of a check-like stored value conversion. In this embodiment, according to the steps shown in FIG. 12 , each mobile communication device has a data structure including three command stacks (load stack 250 , subtract stack 251 , and control stack 252 ). The load stack 250 stores stored values designated for loading stored values or adding devices. The subtract stack 251 stored value instruction is used to subtract the stored value of the device. The policing stack 252 stored value command is used to confirm that policing switches access to the stored value of the device before switching the operations server or other authentication service. Of course various other data organizations may be used. The representative control flow for moving stored value from device to device and settling transactions is shown in Figure 12. Each step is described as follows:

1.1-发出该类似支票执行的付款人,在扣除堆栈251执行一扣款指令,以及在其管制堆栈252上执行一信用指令。1.1 - The payer who issued the check-like execution executes a debit order on the debit stack 251 and a credit order on its control stack 252 .

1.2-接着,付款人转换一电子凭证至收款人A并配合在其管制堆栈252加载一扣款指令。对该转换的响应系收款人A在管制堆栈252加载一对应的信用指令。1.2- Next, the payer converts an electronic certificate to the payee A and loads a debit instruction in its control stack 252 in conjunction with it. The response to this conversion is that Payee A loads a corresponding credit instruction on the control stack 252 .

2.1-收款人A转换一电子凭证至收款人B并在其管制堆栈252加载一扣款指令。对该转换的响应系收款人B在管制堆栈252加载一对应的信用指令。2.1 - Payee A transfers an electronic certificate to Payee B and loads a debit instruction in its admin stack 252 . The response to this conversion is that Payee B loads a corresponding credit instruction on the control stack 252 .

3.1-收款人B转换一电子凭证至收款人C并在其管制堆栈252加载一扣款指令。对该转换的响应系收款人C在管制堆栈252加载一对应的信用指令。3.1 - Payee B converts an electronic voucher to Payee C and loads a debit instruction in its admin stack 252 . The response to this conversion is that Payee C loads a corresponding credit instruction on the control stack 252 .

4.1-收款人C转换一电子凭证至收款人Z并在其管制堆栈252加载一扣款指令。对该转换的响应系收款人Z在管制堆栈252加载一对应的信用指令。4.1 - Payee C transfers an electronic voucher to Payee Z and loads a debit instruction in its admin stack 252 . In response to this transition, Payee Z loads a corresponding credit instruction on the governance stack 252 .

收款人Z透过一「轻便读取机」装置153与该操作服务器连接,或其它具有通讯连接的交易终端机与该服务器14连接,亦可使用入口网站或其它,以及呈现在整个过程中带有每一移动通讯装置签名的类似支票的电子凭证,已完成「付费」。以操作服务器来对其证明与认证有所响应,由收款人Z所持有的移动通讯装置在其管制堆栈252上发出一扣款指令,以及在其加载堆栈发出一对应的信用指令。在操作服务器上记帐程序结算付款人及最终收款人账户以完成该项交易。The payee Z connects to the operation server through a "portable reader" device 153, or connects to the server 14 with other transaction terminals having a communication connection, and can also use a portal or other, and present in the whole process A check-like electronic certificate bearing the signature of each mobile communication device, "paid" has been completed. Responsive to its certification and authentication by operating the server, the mobile communication device held by payee Z issues a debit command on its regulatory stack 252 and a corresponding credit command on its loaded stack. The billing program on the operational server settles the payer and ultimate payee accounts to complete the transaction.

图13系绘示维持在移动通讯装置及安全存储器用来追踪装置储值的代表的数据结构组合。每一移动通讯装置的数据结构包含在图12中所描述的加载堆栈250、扣除堆栈251、及管制堆栈252与在装置上保存有加载储值、扣除储值与管制储值的相关指令。关于加载堆栈250系一加载记录255,而其保存由加载堆栈250执行指令的记录,以达追踪、保留记录、侦错、及储值确认之用。相同地,扣除记录256系保存于扣除堆栈。管制堆栈252则含有管制记录局未管制记录,而其分别保留由管制堆栈252执行指令记录,并管制由其它操作服务器或系统转换至第三方或其它阻塞待处理移动的储值。FIG. 13 is a diagram illustrating a combination of data structures maintained in a mobile communication device and a representation of a secure memory used to track stored value in the device. The data structure of each mobile communication device includes the load stack 250 , subtract stack 251 , and control stack 252 described in FIG. 12 and related instructions for loading stored values, deducting stored values and controlling stored values are stored on the device. Regarding the load stack 250 is a load log 255, which keeps records of instructions executed by the load stack 250 for purposes of tracking, keeping records, debugging, and confirming stored values. Likewise, the deduction record 256 is kept in the deduction stack. Regulatory Stack 252 contains Regulatory Records Bureau unregulated records, which respectively retain records of instructions executed by Regulatory Stack 252, and Regulatory Stored Values transferred from other operating servers or systems to third parties or otherwise blocked for pending movement.

图14系绘示在本发明中另一系统架构的方块图。一具有移动通讯装置1402的用户交易平台,而其包含机载资源作为一储值装置。用户终端机1401具有与入口网站1403连接的一网络。移动通讯装置1402透过用户终端机1401无线连接至该入口网站1403。替代地,结合该用户终端机1401作为该移动通讯装置1402的部分,然后在连接至该入口网站1403。透过入口网站1403,移动通讯装置1402与虚拟商店服务器执行交易。借着与付费服务业者1407的连接,入口网站1403可促进与虚拟商店服务器1405的账户结算。该移动通讯装置亦可与不同商业通路的零售商执行交易,并在每一商业通路中发行电子货币。付费服务业者1407亦通过各种移动通讯装置发行电子货币以供多个商业通路一般使用。商业通路A至少包含零售商A1 1417。商业通路B至少包含零售商B1 1423。商业通路C至少包含零售商C1 1429。移动通讯装置1421借着商店终端机1419与零售商A1 1417无线方式开始一笔交易。移动通讯装置1421借着商店终端机1419与零售商A1 1417无线方式开始一笔交易。移动通讯装置1427借着商店终端机1425与零售商B1 1423无线方式开始一笔交易。移动通讯装置1433借着商店终端机1431与零售商C1 1429无线方式开始一笔交易。而此等与实体商业通路的交易亦通过与付费服务业者1407连接而执行账户结算。在付费服务业者1407中,网络处理端1409则连接付费服务业者1407的注册认证1411、入口网站1403、以及在商业通路中零售商的商店终端机。在付费服务业者1407中,通过连接注册认正1411账户数据库1413及结算系统操作服务器1415来执行账户结算。同时,将付费服务业者1407的账户数据库1413,与移动通讯装置上的储值一致化。每一个用户的移动通讯装置会定期性地收到交易记录总结,例如从电信操作A 1435及电信操作B 1439。电信操作A 1435具有一账单系统1437及电信操作B 1439具有一账单系统1441,并与结算系统操作服务器1415连接以加速移动通讯装置用户出帐,像是每一电信服务业者(或网络服务业者)的定期电话账单或网络服务账单。而每一移动通讯装置的用户具有与移动通讯装置电话号码相关的账户号码,或移动通讯装置用户的实体地址。FIG. 14 is a block diagram illustrating another system architecture in the present invention. A user transaction platform with a mobile communication device 1402 that includes onboard resources as a stored value device. The user terminal 1401 has a network connected to the portal website 1403 . The mobile communication device 1402 is wirelessly connected to the web portal 1403 through the user terminal 1401 . Alternatively, incorporate the user terminal 1401 as part of the mobile communication device 1402 and then connect to the web portal 1403 . Through the web portal 1403, the mobile communication device 1402 executes transactions with the virtual store server. The portal 1403 can facilitate account settlement with the virtual store server 1405 through a connection with the pay service provider 1407 . The mobile communication device can also perform transactions with retailers in different commercial channels, and issue electronic money in each commercial channel. Payment service providers 1407 also issue electronic money through various mobile communication devices for general use by multiple business channels. Commercial route A contains at least retailer A1 1417. Commercial route B contains at least retailer B1 1423. Commercial channel C contains at least retailer C1 1429. The mobile communication device 1421 initiates a transaction wirelessly with the retailer A1 1417 via the store terminal 1419. The mobile communication device 1421 initiates a transaction wirelessly with the retailer A1 1417 via the store terminal 1419. The mobile communication device 1427 initiates a transaction wirelessly with the retailer B1 1423 via the store terminal 1425. The mobile communication device 1433 initiates a transaction wirelessly with the retailer C1 1429 via the store terminal 1431. And these transactions with the physical business channel are also connected with the payment service provider 1407 to perform account settlement. In the payment service provider 1407, the network processing terminal 1409 is connected to the registration authentication 1411 of the payment service provider 1407, the portal website 1403, and the store terminal of the retailer in the commercial channel. In the payment service provider 1407, the account settlement is performed by connecting the account database 1413 and the settlement system operation server 1415 with the registration certificate 1411. At the same time, the account database 1413 of the payment service provider 1407 is consistent with the stored value on the mobile communication device. Each user's mobile communication device will periodically receive transaction record summaries, such as from Telecom Operation A 1435 and Telecom Operation B 1439. Telecommunications operation A 1435 has a billing system 1437 and telecommunications operation B 1439 has a billing system 1441, and is connected with the settlement system operation server 1415 to accelerate mobile communication device users to pay out accounts, such as each telecommunications service provider (or network service provider) regular telephone or Internet service bills. And each mobile communication device user has an account number associated with the mobile communication device phone number, or the mobile communication device user's physical address.

图15系绘示由一付费服务业者支持转换储值账户数据库的数据结构,包含类似支票转换、折价券兑换与票卷兑换。该账户数据库1500系图14的账户数据库1413的一个实例。账户数据库1500支持多个张户,例如:付费服务业者1502账户,及付费服务业者1504的购买账户。为了支持由多个商业通路所发行的不同电子货币,账户数据库1500依据商业通路将零售商账户分类。举例来说,将零售商A1、A2...An的账户分类至商业通路A 1506账号群组。将零售商B1、B2...Bn的账户分类至商业通路B 1508账号群组。将零售商C1、C2...Cn的账户分类至商业通路A 1510账号群组。为了支持移动通讯装置用户账单系统,账户数据库1500依据电信操作者或网络服务业者将用户加以分类。举例来说,将用户A1、A2...An分类至电信操作者A 1512账户。将用户B1、B2...Bn分类至电信操作者B 1514账户。因此,在本账户数据结构中每一账户群组表示一种区别的数据类型。FIG. 15 illustrates the data structure of a stored-value account database supported by a fee-paying service provider, including check conversion, discount coupon conversion, and coupon conversion. The account database 1500 is an example of the account database 1413 of FIG. 14 . The account database 1500 supports multiple accounts, for example: the account of the payment service provider 1502 and the purchase account of the payment service provider 1504 . In order to support different electronic currencies issued by multiple commercial channels, the account database 1500 categorizes retailer accounts according to commercial channels. For example, the accounts of retailers A1, A2...An are categorized into the Commerce Channel A 1506 account group. The accounts of the retailers B1, B2...Bn are sorted into the trade channel B 1508 account group. Categorize the accounts of the retailers C1, C2...Cn into the trade channel A 1510 account group. In order to support the mobile communication device user billing system, the account database 1500 classifies users according to telecom operators or network service providers. For example, users A1, A2...An are categorized into telecommunication operator A 1512 accounts. Subscribers B1, B2...Bn are sorted into telecom operator B 1514 accounts. Therefore, each account group represents a distinct data type in this account data structure.

图16系绘示在移动通讯装置用户A1、零售商B2、电信操作者A及付费服务业者结算系统之间,在零售商的商店终端机增加储值至一移动通讯装置的交易的付费服务业者网络控制流程图。零售商B2包含有一柜台及一商店终端机,每一步骤解释如下:Fig. 16 is a diagram illustrating the payment service provider in the transaction of adding stored value to a mobile communication device at the retailer's store terminal between the mobile communication device user A1, the retailer B2, the telecommunications operator A and the payment service provider settlement system Network control flow chart. Retailer B2 includes a counter and a store terminal, and each step is explained as follows:

161-移动通讯装置用户A1要求零售商B2加值300点。161—Mobile communication device user A1 requests retailer B2 to top up 300 points.

162-移动通讯用户A1付钱给零售商B2。162-The mobile communication user A1 pays the retailer B2.

163-加值300点(由零售商B2所属的商业通路B所发行是电子货币)至移动通讯用户A1的移动装置中。163—Add 300 points (the electronic currency issued by the commercial channel B to which the retailer B2 belongs) to the mobile device of the mobile communication user A1.

164-零售商B2的商店终端机发送交易记录至付费服务业者结算系统。164—The retailer B2's store terminal sends the transaction record to the payment service provider settlement system.

165-由移动通讯装置用户A1发送交易记录至电信操作者A,例如:通过短信服务。165—Send the transaction record to the telecom operator A by the mobile communication device user A1, for example, via SMS service.

166.1-交易记录由电信操作者A转送至付费服务业者结算系统。166.1 - The transaction record is transferred by the telecommunications operator A to the billing system of the payment service provider.

166.2-不良债信风险清单(例如:诈欺或可能诈欺的移动通讯用户账户)由电信操作者A更新至付费服务业者结算系统。166.2-The risk list of bad credit (for example: fraudulent or possibly fraudulent mobile communication user accounts) is updated by the telecommunications operator A to the payment service provider settlement system.

167-付费服务业者结算系统执行确认,确定检查电信操作者A服务器的交易记录是否与零售商B2的交易记录相符合。若符合,进行后续步骤。做不符合,则锁住在移动装置内的储值「钱包」,以及移动通讯装置用户A1被接触以进行数据更正,并解开移动装置假如发现并不是诈欺情况的话。167—The billing system of the payment service provider executes confirmation to determine whether the transaction record of the telecom operator A server is consistent with the transaction record of the retailer B2. If so, proceed to the next step. Do not match, then lock the stored value "wallet" in the mobile device, and the mobile communication device user A1 is contacted to correct the data, and unlock the mobile device if it is not found to be fraudulent.

168-付费服务业者结算系统产生一组搭配该300点的专属序号记录。168-The billing system of the paid service provider generates a set of exclusive serial number records matching the 300 points.

169-付费服务业者结算系统记录该电子货币300点的专属序号,并进行簿记与会计程序,例如:在图17至图20的程序。169-The settlement system of the payment service provider records the exclusive serial number of the 300 points of the electronic currency, and performs bookkeeping and accounting procedures, for example: the procedures in Figures 17 to 20.

在另一实施例中,用户可以透过电信网络或无线局域网络连接至因特网来进行加值至一移动通讯装置。In another embodiment, the user can add value to a mobile communication device by connecting to the Internet through a telecommunication network or a wireless local area network.

图17系绘示在图16交易中借贷简明账户的金流,其中涵括移动通讯装置用户A1账户176、零售商B2账户177以及付费服务业者账户178。每一步骤解释如下:FIG. 17 shows the cash flow of the debit and credit account in the transaction in FIG. 16 , which includes the account 176 of the mobile communication device user A1, the account 177 of the retailer B2, and the account 178 of the payment service provider. Each step is explained below:

171-付费服务业者结算系统借给付费服务业者账户电子货币300点,并贷给零售商B2账户相同储值。171 - Payment service provider settlement system lends 300 points of electronic money to the payment service provider's account, and credits the same stored value to the retailer's B2 account.

172-付费服务业者结算系统跟商业通路B购买由商业通路B所发行的等值电子货币。在本例子中,系采用1∶1比例,亦即如所示在借贷双方为相同300点储值。172 - The settlement system of the payment service provider purchases the equivalent electronic money issued by the commercial channel B from the commercial channel B. In this example, a ratio of 1:1 is adopted, that is, the same 300 points of stored value are stored on both the borrower and the lender as shown.

173-付费服务业者结算系统借给零售商B2账户商业通路B的电子货币300点,并贷给移动通讯装置用户A1账户相同储值。173-The settlement system of the payment service provider lends 300 points of electronic money in the merchant channel B to the account of the retailer B2, and lends the same stored value to the account of the mobile communication device user A1.

图18系绘示关于图17金流的借贷简明账户。移动通讯装置用户A1的账户181仅具有300点的信用,即具有300点的最终结余贷额。零售商B2的账户182具有300点的信用与300点的借额,即最终结余为0点。付费服务业者的账户183仅具有300点的借额,即具有300点的最终结余借额。在一实施例中,在此未示,最后透过电信服务业者或网络服务业者的账单系统,由移动通讯装置用户A1来偿还给付费服务业者。FIG. 18 is a simplified account of debit and credit related to the cash flow in FIG. 17 . The account 181 of the mobile communication device user A1 only has a credit of 300 points, that is, a final balance credit of 300 points. Account 182 of retailer B2 has a credit of 300 points and a debit of 300 points, ie a final balance of 0 points. The payer's account 183 has only a debit of 300 points, ie a final balance debit of 300 points. In an embodiment, not shown here, the mobile communication device user A1 repays the payment service provider through the billing system of the telecommunication service provider or the network service provider.

图19系绘示在图16交易中借贷简明账户的金流,其中涵括移动通讯装置用户A1账户196、零售商B2账户197、付费服务业者账户198以及付费服务业者的购买账户199。每一步骤解释如下:FIG. 19 shows the cash flow of the debit and credit account in the transaction in FIG. 16 , which includes the account 196 of the mobile communication device user A1, the account 197 of the retailer B2, the account 198 of the payment service provider, and the purchase account 199 of the payment service provider. Each step is explained below:

191-付费服务业者结算系统借给付费服务业者账户电子货币300点,并贷给付费服务业者的购买账户相同储值。191 - Payment service provider settlement system lends 300 points of electronic money to the payment service provider's account, and credits the same stored value to the payment service provider's purchase account.

192-付费服务业者结算系统发起一流程来购买由商业通路B所发行的等值电子货币。在本例子中,系采用1∶1比例,亦即如所示在借贷双方为相同300点储值。192—The payment service provider settlement system initiates a process to purchase the equivalent electronic money issued by the commercial channel B. In this example, a ratio of 1:1 is adopted, that is, the same 300 points of stored value are stored on both the borrower and the lender as shown.

193-付费服务业者结算系统借给付费服务业者的购买账户,由商业通路B发行的电子货币300点,并贷给零售商B2相同储值。193-The billing system of the payment service provider lends the purchase account of the payment service provider 300 points of electronic money issued by the commercial channel B, and lends the same stored value to the retailer B2.

194-付费服务业者结算系统借给零售商B2账户商业通路B的电子货币300点,并贷给移动通讯装置用户A1账户相同储值。194-The settlement system of the payment service provider lends 300 points of electronic money in the merchant channel B to the account of the retailer B2, and lends the same stored value to the account of the mobile communication device user A1.

图20系绘示关于图19金流的借贷简明账户。移动通讯装置用户A1的账户201仅具有300点的贷额,即具有300点的最终结余贷额。零售商B2的账户202具有300点的贷额与300点的借额,即最终结余为0点。付费服务业者的账户203仅具有300点的借额,即具有300点的最终结余借额。付费服务业者的购买账户204具有300点的贷额与300点的借额,即最终结余为0点。在一实施例中,在此未示,最后透过电信服务业者或网络服务业者的账单系统,由移动通讯装置用户A1来偿还给付费服务业者。FIG. 20 is a simplified account of borrowing and lending related to the cash flow in FIG. 19 . The account 201 of the mobile communication device user A1 only has a credit of 300 points, ie has a final balance credit of 300 points. Account 202 of retailer B2 has a credit of 300 points and a debit of 300 points, ie a final balance of 0 points. The pay service provider's account 203 has only a debit of 300 points, ie a final balance debit of 300 points. The purchase account 204 of the paid service provider has a credit of 300 points and a debit of 300 points, that is, the final balance is 0 points. In an embodiment, not shown here, the mobile communication device user A1 repays the payment service provider through the billing system of the telecommunication service provider or the network service provider.

图21绘示透过一电信服务业者网络,在移动通讯装置用户B1电信操作者B及付费服务业者结算系统间,在付费服务业者网络中加值至一移动通讯装置的交易的控制流程图。该电信操作者B包含一短信服务(SMS)中心、一认证中心及一账单系统。每一步骤解释如下:21 shows a control flow diagram of a transaction of adding value to a mobile communication device in the payment service provider network between the mobile communication device user B1 and the payment service provider settlement system through a telecommunication service provider network. The telecommunications operator B includes a short message service (SMS) center, an authentication center and a billing system. Each step is explained below:

211-移动通讯装置用户B1经由短信服务(SMS)要求电信操作者B增加500点储值。211—The mobile communication device user B1 requests the telecom operator B to increase the stored value by 500 points via the short message service (SMS).

212-电信操作者B的短信服务(SMS)中心从电信操作者B的认证中心要求认证以增加500点。212—Telecom operator B's Short Message Service (SMS) center requests authentication from Telecom operator B's authentication center to add 500 points.

213.1-该项要求经电信操作者B的认证中心确认为有效,该笔交易转送至电信操作者B的账单系统。213.1- The request is validated by the telecom operator B's authentication center, and the transaction is forwarded to the telecom operator B's billing system.

213.2-该项要求经电信操作者B的认证中心确认为有效,然后电信操作者C的短信服务(SMS)中心通过短信回复至移动通讯装置用户B1,以增加500点至移动通讯装置用户B1的移动装置。213.2-The request is confirmed to be valid by the authentication center of telecom operator B, and then the short message service (SMS) center of telecom operator C replies to mobile communication device user B1 by SMS to add 500 points to mobile communication device user B1's mobile device.

214.1-电信操作者B的账单系统转送该笔交易记录至付费服务业者结算系统。214.1-The billing system of telecom operator B forwards the transaction record to the payment service provider settlement system.

214.2-不良债信风险清单(例如:诈欺或可能诈欺的移动通讯用户账户)由电信操作者B的账单系统更新至付费服务业者结算系统。214.2-The bad credit risk list (for example: fraudulent or possibly fraudulent mobile communication user accounts) is updated from the billing system of the telecommunications operator B to the billing system of the payment service provider.

215-付费服务业者结算系统产生一组搭配由付费服务业者发行电子货币500点的专属序号记录。215-The settlement system of the payment service provider generates a set of exclusive serial number records matched with 500 points of electronic money issued by the payment service provider.

216-付费服务业者结算系统记录该电子货币的专属序号,并进行后续的簿记与会计程序,使得付费服务业者直接贷给用户B1 500点。216-The payment service provider settlement system records the exclusive serial number of the electronic currency, and performs subsequent bookkeeping and accounting procedures, so that the payment service provider directly lends 500 points to user B1.

图22系绘示在移动通讯装置用户C1、零售商A1、电信操作者C及付费服务业者结算系统之间,在零售商的商店终端机增加储值至一移动通讯装置的交易的付费服务业者网络控制流程图。零售商A1包含有一柜台及一商店终端机,每一步骤解释如下:Fig. 22 is a diagram illustrating the payment service provider in the transaction of adding stored value to a mobile communication device at the retailer's store terminal between the mobile communication device user C1, the retailer A1, the telecommunications operator C and the payment service provider settlement system Network control flow chart. Retailer A1 includes a counter and a store terminal, and each step is explained as follows:

221-移动通讯装置用户C1检查在移动装置电子钱包结余,结果仍具有储值1000点。221—Mobile communication device user C1 checks the balance in the electronic wallet of the mobile device, and the result still has stored value of 1000 points.

222-移动通讯用户C1使用移动装置付出购买点数200点给零售商A1。222—Mobile communication user C1 pays 200 purchase points to retailer A1 by using the mobile device.

223-经由零售商A1的终端机从移动装置的电子钱包中扣除付费服务业者所发行的电子货币200点。223—deduct 200 points of electronic currency issued by the payment service provider from the electronic wallet of the mobile device via the terminal of the retailer A1.

224-零售商A1的商店终端机发送交易记录至付费服务业者结算系统。224—The store terminal of the retailer A1 sends the transaction record to the payment service provider settlement system.

225-由移动通讯装置用户C1通过短信服务发送交易记录至电信操作者C。225—The mobile communication device user C1 sends the transaction record to the telecommunications operator C through the SMS service.

226.1-交易记录由电信操作者C的账单系统转送至付费服务业者结算系统。226.1 - The transaction records are transferred from the billing system of the telecommunications operator C to the billing system of the payment service provider.

226.2-不良债信风险清单(例如:诈欺或可能诈欺的移动通讯用户账户)由电信操作者C的账单系统更新至付费服务业者结算系统。226.2-The risk list of bad credit (for example: fraudulent or potentially fraudulent mobile communication user accounts) is updated from the billing system of the telecommunications operator C to the billing system of the payment service provider.

227-付费服务业者结算系统执行确认,确定检查电信操作者C服务器的交易记录是否与零售商A1的交易记录相符合。若符合,进行后续步骤。做不符合,则锁住在移动装置内的储值「钱包」,以及移动通讯装置用户C1需进行数据更正,并解开移动装置可能的诈欺情况。227—The billing system of the payment service provider executes confirmation to determine whether the transaction record of the server of the telecommunications operator C is consistent with the transaction record of the retailer A1. If so, proceed to the next step. If it does not match, the stored value "wallet" locked in the mobile device and the mobile communication device user C1 need to correct the data and unlock the possible fraudulent situation of the mobile device.

228-付费服务业者结算系统产生一组搭配电子货币200点的专属序号记录。228-The billing system of the paid service provider generates a set of exclusive serial number records with 200 points of electronic currency.

229-付费服务业者结算系统记录该电子货币的专属序号,并进行簿记与会计程序,例如:在图23至图26的程序。229-The settlement system of the paid service provider records the exclusive serial number of the electronic currency, and performs bookkeeping and accounting procedures, for example: the procedures in Figure 23 to Figure 26 .

图23系绘示在图22交易中借贷简明账户的金流,其中涵括移动通讯装置用户C1账户236、零售商A1账户237、付费服务业者账户238以及付费服务业者的购买账户239。每一步骤解释如下:FIG. 23 shows the cash flow of the debit and credit account in the transaction in FIG. 22 , which includes the account 236 of the mobile communication device user C1, the account 237 of the retailer A1, the account 238 of the payment service provider, and the purchase account 239 of the payment service provider. Each step is explained below:

231-假设用户C1具有储值1000点移动通讯装置上,付费服务业者结算系统借给移动通讯装置用户C1账户,由付费服务业者所发行的200点,并贷给零售商A1账户相同储值。231-Assuming that user C1 has a stored value of 1000 points on the mobile communication device, the settlement system of the payment service provider lends 200 points issued by the payment service provider to the account of mobile communication device user C1, and credits the same stored value to the account of retailer A1.

232-付费服务业者结算系统借给零售商A1账户,由付费服务业者发行的电子货币200点,并贷给付费服务业者账户相同储值。232 - Payment service provider settlement system lends retailer A1 account 200 points of electronic money issued by payment service provider, and lends the same stored value to the payment service provider account.

233-付费服务业者结算系统发起一流程来购买由商业通路A所发行的等值电子货币。在本例子中,系采用1∶1比例,亦即如所示,在付费服务业者账户238的借方与付费服务业者的购买账户239的贷方系为相同200点。233—The payment service provider settlement system initiates a process to purchase the equivalent electronic money issued by the business channel A. In this example, a 1:1 ratio is used, ie, as shown, the debit to the payer account 238 and the credit to the payer's purchase account 239 are the same 200 points.

234-付费服务业者结算系统由付费服务业者的购买账户借出商业通路A的电子货币200点,并贷给零售商A1相同储值。234-Payment service provider settlement system lends 200 points of electronic money in commercial channel A from the purchase account of the payment service provider, and lends the same stored value to retailer A1.

235-付费服务业者结算系统从零售商A1的账户付给付费服务业者购买账户,商业通路A的电子货币200点,以完成此项交易。235—The payment service provider settlement system pays the payment service provider purchase account from the account of the retailer A1, 200 electronic currency points of the business channel A, to complete the transaction.

图24系绘示关于图23金流的借贷简明账户。移动通讯装置用户C1的账户241具有1000点的贷额与200点的借额,即具有800点的最终结余贷额。零售商A1的账户242具有两笔200点的贷额与两笔200点的借额,即最终结余为0点。付费服务业者的账户243具有200点的贷额与1000点的借额,即具有800点的最终结余借额。付费服务业者的购买账户244具有200点的贷额与200点的借额,即最终结余为0点。在此未示,早先移动通讯装置用户C1已经购买了由付费服务业者所发行的电子货币1000点。FIG. 24 is a simplified account of debit and credit related to the cash flow in FIG. 23 . The account 241 of the mobile communication device user C1 has a credit of 1000 points and a debit of 200 points, that is, a final balance credit of 800 points. Account 242 of retailer Al has two credits of 200 points and two debits of 200 points, ie a final balance of 0 points. The pay service provider's account 243 has a credit of 200 points and a debit of 1000 points, that is, a final balance of 800 points. The purchase account 244 of the payment service provider has a credit of 200 points and a debit of 200 points, that is, the final balance is 0 points. Not shown here, the mobile communication device user C1 has previously purchased 1000 points of electronic money issued by the payment service provider.

图25系绘示在图22交易中借贷简明账户的替代的金流,其中涵括移动通讯装置用户C1账户2506、零售商A1账户2507、付费服务业者账户2508以及付费服务业者的购买账户2509。每一步骤解释如下:FIG. 25 shows the alternative cash flow of the debit and credit account in the transaction in FIG. 22, which includes the mobile communication device user C1 account 2506, the retailer A1 account 2507, the payment service provider account 2508, and the payment service provider's purchase account 2509. Each step is explained below:

2501-假设用户C1具有储值1000点移动通讯装置上,付费服务业者结算系统借给移动通讯装置用户C1账户,由商业通路A所发行的200点,并贷给零售商A1账户相同储值。2501-Assuming that user C1 has stored value of 1000 points on the mobile communication device, the settlement system of the payment service provider lends 200 points issued by commercial channel A to the account of mobile communication device user C1, and lends the same stored value to the account of retailer A1.

2502-付费服务业者结算系统由零售商A1账户,借出商业通路A所发行的电子货币200点,并贷给付费服务业者购买账户。2502-The settlement system of the payment service provider borrows 200 points of electronic money issued by the commercial channel A from the account of the retailer A1, and credits it to the purchase account of the payment service provider.

2503-付费服务业者结算系统发起一流程来购买由付费服务业者所发行的等值电子货币。在本例子中,系采用1∶1比例,亦即如所示,在付费服务业者购买账户2509的贷方与付费服务业者的购买账户2509的借方系为相同200点。2503 —The settlement system of the payment service provider initiates a process to purchase equivalent electronic money issued by the payment service provider. In this example, a 1:1 ratio is used, that is, as shown, the credit to the purchase account 2509 of the pay service provider and the debit to the purchase account 2509 of the pay service provider are the same 200 points.

2504-付费服务业者结算系统从的账户付给付费服务业者账户,付费服务业者的电子货币200点,以完成此项交易。2504 - The payment service provider's settlement system pays the payment service provider's account from the account of the payment service provider, and the payment service provider's electronic currency is 200 points to complete the transaction.

图26系绘示关于图25金流的借贷简明账户。移动通讯装置用户C1的账户261具有1000点的贷额与200点的借额,即具有800点的最终结余贷额。零售商A1的账户262具有200点的贷额与200点的借额,即最终结余为0点。付费服务业者的账户263具有200点的贷额与1000点的借额,即具有800点的最终结余借额。付费服务业者的购买账户264具有200点的贷额与200点的借额,即最终结余为0点。在此未示,早先移动通讯装置用户C1已经购买了由付费服务业者所发行的电子货币1000点。FIG. 26 is a simplified account of the debit and credit related to the cash flow in FIG. 25 . The account 261 of the mobile communication device user C1 has a credit of 1000 points and a debit of 200 points, that is, a final balance credit of 800 points. Account 262 of retailer A1 has a credit of 200 points and a debit of 200 points, ie a final balance of 0 points. The pay service provider's account 263 has a credit of 200 points and a debit of 1000 points, ie, a final balance of 800 points. The purchase account 264 of the payment service provider has a credit of 200 points and a debit of 200 points, that is, the final balance is 0 points. Not shown here, the mobile communication device user C1 has previously purchased 1000 points of electronic money issued by the payment service provider.

在本发明中所描述的移动通讯装置可以借着可追踪装置间充分的数据转换的电子票卷转换过程(例如:装置签名与背书),以及维护支持确认核发和兑换步骤的数据结构与维护操作服务器,进而核发或兑换类似支票的储值转换功能。The mobile communication devices described in the present invention can track the electronic ticket transfer process (eg, device signature and endorsement) of sufficient data transfer between devices, as well as maintain the data structures and maintenance operations that support the confirmation issuance and redemption steps The server then issues or redeems a stored value conversion function similar to a check.

一般来说,在本发明所述的架构提供位于该付费服务业者系统核心的一操作服务器14。该操作服务器14管理一账户系统来处理关系者的资产,包含电子礼券、电子支票、电子折价券、电子票卷等,在账户管理程序中亦包含有高度安全策略。本系统可在在线模式或离线模式下操作。在离线模式中,该操作服务器14中的账户系统仿真为中央银行结构,像是美国联邦储备系统,并作为储值(例如电子礼卷、电子支票或电子折价券)的最终结算机构。因此,在离线的情况下,在零售商端的交易终端机扮演着银行的角色,记录每笔交易于帐簿中,并定期地传送一批交易至操作服务器14作为每日清算。操作服务器14亦为每一移动通讯装置持有人保留账户。如此,系统结算可确保在完成账户间储值适当地移动(包含零售商账户与个人账户),在一定期间内维持借贷间的平衡。定期地,像是每日的账户清算,系统移动购买账户间的金钱来处理特定的交易。举例来说,操作服务器可操作维持储值总帐的流程,并对所有交易批次地平衡最终结算的总帐。In general, the architecture described in the present invention provides an operations server 14 at the core of the pay service provider system. The operation server 14 manages an account system to handle assets of related parties, including electronic gift certificates, electronic checks, electronic discount coupons, electronic tickets, etc., and a high security policy is also included in the account management program. The system can be operated in online mode or offline mode. In offline mode, the account system in the operational server 14 emulates a central bank structure, such as the US Federal Reserve System, and acts as the final settlement institution for stored value (eg, electronic coupons, electronic checks, or electronic coupons). Therefore, in the offline situation, the transaction terminal at the retailer plays the role of a bank, records each transaction in the account book, and periodically sends a batch of transactions to the operation server 14 for daily settlement. The operation server 14 also maintains an account for each mobile communication device holder. In this way, the system settlement can ensure that the stored value is properly transferred between completed accounts (including retailer accounts and personal accounts), and the balance between loans and loans can be maintained within a certain period of time. Periodically, such as daily account clearing, the system moves money between buying accounts to process specific transactions. For example, the operations server can operate the process of maintaining a ledger of stored value and balance the ledger of final settlement for all transaction batches.

在在线交易时,使用可以清算零售商账户与个人账户的在线协议来管理交易、启动账户移动、及完成结算流程。这样零售商账户与个人账户的结算状态可以在交易当时的既有装置上进行结算。When transacting online, manage transactions, initiate account movements, and complete the settlement process using an online protocol that clears retailer accounts and personal accounts. In this way, the settlement status of the retailer's account and the personal account can be settled on the existing device at the time of the transaction.

依照本发明所述实施例的架构,操作服务器使用一第二因素来增加结算流程的可靠度。因此本发明所使用的架构支持在交易终端机与操作服务器间传送产生的安全因素、以及电信业者网络与操作服务器间传送产生的安全因素,以确认每笔交易。在这样的情况下,操作服务器架构代表具有交易与交易结算正确一致性与完整性高度安全系统。此外,该操作服务器使用两种路径来确认可监控在移动电话上的储值账户的窜改可能性。According to the architecture of the embodiments of the present invention, the operation server uses a second factor to increase the reliability of the settlement process. Therefore, the architecture used in the present invention supports the security factor transmitted between the transaction terminal and the operation server, and the security factor transmitted between the carrier network and the operation server to confirm each transaction. In such cases, the operational server architecture represents a highly secure system with correct consistency and integrity of transactions and transaction settlements. In addition, the operations server uses two paths to confirm the possibility of tampering with the stored value account that can be monitored on the mobile phone.

本发明系整合在线及离线交易的健全架构,并非传统的预付、离线储值系统。在本发明所述的技术中包含一中央结算机制,而其可用于移动通讯装置之间、以及移动通讯装置和零售商之间的传送储值,并更弹性地支持各式情境。另外,本系统可透过各种通讯路径,在定点可与操作服务器连接并作为储值装置的移动通讯装置间衍生性的使用。The present invention is a sound framework integrating online and offline transactions, not a traditional prepaid and offline stored value system. The technology described in the present invention includes a central settlement mechanism, which can be used to transfer stored value between mobile communication devices, and between mobile communication devices and retailers, and supports various scenarios more flexibly. In addition, the system can be used derivatively between fixed-point mobile communication devices that can be connected to the operation server and serve as stored value devices through various communication paths.

本发明所述的移动通讯装置可使用在电信业者网络的长程无线电,以及使用近端耦合技术的短程无线电来建立与操作服务器连接的独立信道,以及支持多种储值交换的交易与应用。另外本架构支持使用在长程及短程通讯信道的坚固的、双要素安全性以保护客户的储值账户。The mobile communication device of the present invention can use the long-range radio in the carrier's network and the short-range radio using the near-end coupling technology to establish an independent channel connected with the operation server, and support transactions and applications of various stored value exchanges. In addition, the architecture supports the use of robust, two-factor security over long-range and short-range communication channels to protect customers' stored value accounts.

本发明所述的付费架构在不同的商业通路、电信操作者、网络服务业者与付费服务业者间,支持多种电子货币。上述多个实施例中系1∶1的比例。在商业通路、电信操作者、网络服务业者与付费服务业者之间透过不同契约付费协议,本发明亦支持不同于1∶1的比例。交易操作服务器自动处理在不同商业通路、电信操作者、网络服务业者与付费服务业者所发行支各种货币的货币交换流程。据此,借着允许用户以一企业所发行的电子货币在移动通讯装置上增加储值,并使用该储值与发行另一电子货币的企业体执行交易。The payment framework of the present invention supports multiple electronic currencies between different business channels, telecommunication operators, network service providers and payment service providers. In the above-mentioned embodiments, the ratio is 1:1. The present invention also supports ratios different from 1:1 between business channels, telecommunication operators, network service providers and payment service providers through different contract payment agreements. The transaction operation server automatically handles the currency exchange process of various currencies issued and paid by different commercial channels, telecommunication operators, network service providers and payment service providers. Accordingly, by allowing users to add stored value on mobile communication devices with electronic money issued by an enterprise, and use the stored value to perform transactions with an enterprise that issues another electronic currency.

本发明所揭露的较佳实施例与实例系作为参考,可以理解的是此等实施例并不限制本发明的范围。而熟习本项技艺的人士,可依据此等实施例而加以修改及结合,然而这些修改与结合并不会背离本发明之精神和权利要求所涵盖的内容。The preferred embodiments and examples disclosed in the present invention are for reference, and it should be understood that these embodiments do not limit the scope of the present invention. Those skilled in the art can make modifications and combinations based on these embodiments, but these modifications and combinations will not deviate from the spirit of the present invention and the content covered by the claims.

Claims (14)

1.一种包含支持移动付费数据处理系统的交易终端机,其特征在于,该交易终端机包含一数据处理器,该数据处理器包含可储存系统程序的一程序存储器,且可支持多个通讯协议,该多个通讯协议包含至少一个被电信业者网络所支持的协议,以及至少一个用来无线近端连接的协议;1. A transaction terminal including a data processing system supporting mobile payment, characterized in that the transaction terminal includes a data processor, the data processor includes a program memory that can store system programs, and can support multiple communication protocols, the multiple communication protocols include at least one protocol supported by the network of the telecommunications operator, and at least one protocol used for wireless near-end connection; 所述数据处理器用于将涉及移动通讯装置中储值转移的交易记录维持在存储器中,并通过无线近端耦合来辨认用以连接的一移动通讯装置,且与基于该笔交易记录结算账户的一交易服务器相连接;The data processor is used to maintain transaction records related to the transfer of stored value in the mobile communication device in the memory, and identify a mobile communication device for connection through wireless near-end coupling, and communicate with the settlement account based on the transaction record A transaction server is connected; 所述数据处理器被应用来执行涉及改变该移动通讯装置上储值的一交易,包含:Said data processor is employed to perform a transaction involving changing stored value on the mobile communication device, comprising: 接受使用该无线近端耦合代表该移动通讯装置上一储值的数据;receiving data representing a stored value on the mobile communication device using the wireless proximal coupling; 转送一特定交易的一第一笔记录至一该交易服务器,其通过一电话服务业者网络的一第一通讯路径,通过连接来与通过一通讯网路的一第二通讯路径送至该交易服务器的特定交易的一第二笔记录相互协调;其中,该特定交易包含一在第一商业发行货币与第二商业发行货币之间的兑换,该第一商业发行货币由第一企业体所发行,而该第二商业发行货币由第二企业体所发行。forwarding a first record of a particular transaction to a transaction server via a first communication path of a telephone service provider network, connected to the transaction server via a second communication path of a communication network a second record of the specified transaction is reconciled; wherein the specified transaction includes an exchange between a first commercially issued currency issued by the first commercial entity and a second commercially issued currency, the first commercially issued currency issued by the first entity, and The second commercially issued currency is issued by the second enterprise body. 2.根据权利要求1所述的交易终端机,其特征在于,该交易服务器还包含一卡片阅读机,用以通过该卡片阅读机读取信用卡或转帐卡,以及通过以处理该信用卡或转帐卡为主的无线近端耦合,借着将储值转换至该移动通讯装置,来处理在移动通讯装置上增加储值的要求。2. The transaction terminal according to claim 1, wherein the transaction server further comprises a card reader for reading a credit card or a debit card through the card reader, and for processing the credit card or debit card The main wireless near-end coupling handles the requirement of adding stored value on the mobile communication device by transferring the stored value to the mobile communication device. 3.根据权利要求1所述的交易终端机,其特征在于,该改变包含增加或减少在该移动通讯装置上的数据所表示的该储值。3. The transaction terminal according to claim 1, wherein the change includes increasing or decreasing the stored value represented by the data on the mobile communication device. 4.根据权利要求1所述的交易终端机,其特征在于,该第一通讯路径包含依据一协议兼容于一产业标准短信服务协议的通讯。4. The transaction terminal according to claim 1, wherein the first communication path includes communication according to a protocol compatible with an industry standard short message service protocol. 5.根据权利要求1所述的交易终端机,其特征在于,该第二通讯路径包含依据一协议兼容于一产业标准TCP/IP协议的通讯或一公共交换电信网络。5 . The transaction terminal according to claim 1 , wherein the second communication path includes a protocol compatible with an industry standard TCP/IP protocol or a public switched telecommunications network. 6.根据权利要求1所述的交易终端机,其特征在于,该移动通讯装置发送一认证要求至该交易服务器,以增加储存在该移动通讯装置上储值所表示的该笔金额。6 . The transaction terminal according to claim 1 , wherein the mobile communication device sends an authentication request to the transaction server to increase the amount represented by stored value stored on the mobile communication device. 7.根据权利要求1所述的交易终端机,其特征在于,所述数据处理器用于从移动装置发送储值决算记录至该交易服务器,并使该储值决算记录与账户活动记录一致,以检测窜改或诈欺。7. The transaction terminal according to claim 1, wherein the data processor is used to send the stored value final settlement record from the mobile device to the transaction server, and make the stored value final settlement record consistent with the account activity record, so as to Detect tampering or fraud. 8.一种交易终端机支持移动付费的方法,其特征在于,该方法包含:8. A method for a transaction terminal to support mobile payment, characterized in that the method comprises: 该交易终端机执行一特定交易来改变在一移动通讯装置上的储值,该改变具体包含:The transaction terminal performs a specific transaction to change the stored value on a mobile communication device, the change specifically includes: 通过于该交易终端机与该移动通讯装置之间的一无线近端耦合,该交易终端机与该移动通讯装置连接,以识别该移动通讯装置;The transaction terminal is connected to the mobile communication device to identify the mobile communication device through a wireless near-end coupling between the transaction terminal and the mobile communication device; 该交易终端机接受使用该无线近端耦合代表该移动通讯装置上一储值的数据;以及the transaction terminal receives data representing a stored value on the mobile communication device using the wireless proximal coupling; and 该移动通讯装置转送该特定交易的一第一笔记录至一交易操作服务器,其通过一电话服务业者网络的一第一通讯路径,该交易终端机通过连接来与通过一通讯网路的一第二通讯路径送至该交易服务器的特定交易的一第二笔记录相互协调;The mobile communication device forwards a first record of the specific transaction to a transaction operation server through a first communication path of a telephone service provider network, and the transaction terminal is connected to a second transaction through a communication network. a second record of the particular transaction sent by the communication path to the transaction server is coordinated with each other; 其中,该第一笔记录为第一数据类型,且该第二笔记录为第二数据类型,在该交易操作服务器上,兑换该移动通讯装置上的数据所代表的介于该第一数据类型与该第二数据类型之间的结算。Wherein, the first record is of the first data type, and the second record is of the second data type, on the transaction operation server, exchange the data represented by the mobile communication device between the first data type Settle to and from this second data type. 9.根据权利要求8所述的方法,其特征在于,该改变还包含:该交易终端机执行增加储值至该移动通讯装置的一要求,并通过该无线近端耦合来处理一信用卡或转帐卡传送储值至该移动通讯装置。9. The method according to claim 8, wherein the changing further comprises: the transaction terminal executes a request to add stored value to the mobile communication device, and processes a credit card or transfer through the wireless near-end coupling The card transmits the stored value to the mobile communication device. 10.根据权利要求8所述的方法,其特征在于,该改变还包含:增加或减少在该移动通讯装置上的数据所表示的该储值。10. The method according to claim 8, wherein the change further comprises: increasing or decreasing the stored value represented by the data on the mobile communication device. 11.根据权利要求8所述的方法,其特征在于,该第一通讯路径包含依据一协议兼容于一产业标准短信服务协议的通讯。11. The method of claim 8, wherein the first communication path comprises communication according to a protocol compatible with an industry standard SMS protocol. 12.根据权利要求8所述的方法,其特征在于,该第二通讯路径包含依据一协议兼容于一产业标准TCP/IP协议的通讯或一公共交换电信网络。12. The method of claim 8, wherein the second communication path comprises communication according to a protocol compatible with an industry standard TCP/IP protocol or a PSTN. 13.根据权利要求8所述的方法,其特征在于,该改变还包含:由该移动通讯装置发送一认证要求至该交易服务器,以增加储存在该移动通讯装置上储值表示的该笔金额。13. The method according to claim 8, wherein the change further comprises: sending an authentication request to the transaction server by the mobile communication device to increase the amount represented by stored value stored on the mobile communication device . 14.根据权利要求8所述的方法,其特征在于,该改变还包含:该交易终端机从移动装置发送储值决算记录至该交易操作服务器,并使该储值决算记录与账户活动记录一致,以检测窜改或诈欺。14. The method according to claim 8, wherein the change further comprises: the transaction terminal sends the stored value final settlement record from the mobile device to the transaction operation server, and makes the stored value final settlement record consistent with the account activity record , to detect tampering or fraud.
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