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WO2000033264A1 - Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent - Google Patents

Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent Download PDF

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Publication number
WO2000033264A1
WO2000033264A1 PCT/CH1998/000511 CH9800511W WO0033264A1 WO 2000033264 A1 WO2000033264 A1 WO 2000033264A1 CH 9800511 W CH9800511 W CH 9800511W WO 0033264 A1 WO0033264 A1 WO 0033264A1
Authority
WO
WIPO (PCT)
Prior art keywords
value
account
service
user
ussd service
Prior art date
Application number
PCT/CH1998/000511
Other languages
German (de)
English (en)
Inventor
Andreas Martschitsch
Original Assignee
Swisscom Ag
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Swisscom Ag filed Critical Swisscom Ag
Priority to PCT/CH1998/000511 priority Critical patent/WO2000033264A1/fr
Priority to AU12224/99A priority patent/AU1222499A/en
Publication of WO2000033264A1 publication Critical patent/WO2000033264A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/67—Transmitting arrangements for sending billing related information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/103—Account details or usage using SIMs (USIMs) or calling cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/12—Prepayment of wireline communication systems, wireless communication systems or telephone systems using calling, telephone credit/debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/2026—Wireless network, e.g. GSM, PCS, TACS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/48—Sending information over a non-traffic network channel or another connection than the one actually used, e.g. signalling, D-channel, data and voice

Definitions

  • the present invention relates to a method and a system for topping up or reloading an account with a monetary value, in particular it relates to a method and a system for topping up or reloading an account with a monetary value, the monetary value being stored in a memory associated with said account or a value stored in this memory is increased by the monetary value.
  • EP 827 119 A1 describes a method for loading or reloading a data carrier card with a monetary value.
  • the sales value of a value card available at a large number of points of sale is reloaded or loaded onto a specific data carrier card, in particular a SIM card, after a code on this value card has been transmitted to a service center .
  • This code is located under a cover and can be uncovered by scraping away the covering layer.
  • the code is typed into the mobile phone under the guidance of a voice server of this service center and transmitted to this service center.
  • the participant's identification code is also transmitted, either automatically from the participant's SIM card or also by typing in under the guidance of the voice server.
  • a short message according to the GSM standard can be used instead of entering the data by means of the service number.
  • the transmitted code of the prepaid card is checked in the service center in a database in which all codes and the associated monetary amounts for which prepaid cards have ever been stored are stored. If the typed and transmitted code is found in the database, a short message service (SMS) short message is prepared, which contains the identification code of the subscriber and the monetary value, and is stored in a short message service center.
  • SMS short message service
  • the data carrier card for example the SIM card
  • the data card to be loaded or reloaded is loaded or reloaded with the monetary value using the prepared SMS short message.
  • the method described in EP 827 119 A1 thus allows a user to have a monetary value loaded directly onto his SIM card, but the procedure described is often perceived as tedious and tedious by the users concerned, since many menu steps have to be followed and numerous numbers have to be typed in, to send a short SMS message.
  • this method generally cannot be used by a user roaming in a Visited Public Land Mobile Network (VPLMN), since outgoing calls in a VPLMN are typically blocked.
  • VPLMN Visited Public Land Mobile Network
  • a user of a mobile radio device uses this mobile radio device to send an unstructured supplementary service data (USSD) service message which contains a service code for identifying a cash loading service as well as a secret value number, wherein this USSD service message is routed from the signaling system of the mobile network, for example a CCITT signaling system number 7 (SS7), to the home location register (HLR) of the named user, from where it is reloaded System is forwarded.
  • USSD unstructured supplementary service data
  • USSD service message for example in the standard GSM 02.90 for Unstructured Supplementary Service Data (USSD) defined by the European Telecommunications Standards Institute (ETSI) is that this is very user-friendly because it is very easy for a user to write and send a USSD service report, for example much easier than one Short SMS message.
  • USSD service messages from a user roaming in a VPLMN can be automatically forwarded from this VPLMN via the signaling system to the HLR of this user, even if outgoing calls and / or short SMS messages are blocked for the user in the VPLMN.
  • a monetary value to be loaded or reloaded is determined for transfer to the named account by taking this monetary value from the named database, where it is assigned to the positively validated named value number.
  • a positively validated value number is deactivated in the reload system, for example by deleting it or marking it as deactivated.
  • the monetary value is stored in a memory belonging to the named account or a value stored in this memory is increased by the monetary value.
  • said memory is located in a data carrier card, in particular a SIM card in said mobile radio device.
  • the reload system for example, prepares a short message service (SMS) short message that contains an identification of the user and the monetary value, and forwards it to a short message for transmission to the user's SIM card - service center.
  • SMS short message service
  • the monetary value is transferred to the SIM card of the user concerned by means of a USSD service message.
  • the determined monetary value is preferably credited to an account in a database of the reload system mentioned, this account being determined either by a user identification of the user who transmitted the USSD service message by means of a mobile radio device and by the SIM card in this mobile radio device is identified, or this account is determined by a user identification which is additionally and optionally also transmitted in the USSD service message, for example an MSISDN number.
  • This optional transmission of an additional user identification has the advantage that a relevant monetary value can be credited to the account of a specific user.
  • the reload system preferably also has a buffer memory in which it can temporarily store received USSD service messages with a service code that identifies a cash loading service, or the data contained in these USSD service messages.
  • the intermediate storage in the buffer memory has the advantage that money loading service orders can be buffered in the reload system if, for example, the reload system or components required by it are temporarily overloaded, which can prevent such orders from remaining unfinished or having to be rejected .
  • MAP Mobile Application Part
  • the value number for transmission in a so-called USSD service message is taken from a prepaid value card, for example a value card that is available at many public sales outlets and that hides the secret value number under a cover that must be removed by the user.
  • the USSD service messages in the reload system are preferably filtered on the basis of their service codes, so that only those USSD service messages are forwarded in the reload system which are one
  • error messages are transmitted to the user, for example by means of USSD service messages and / or short SMS messages, if the relevant value number cannot be validated positively.
  • the data carrier card of the user in particular a SIM card, which is equipped with a memory in which a monetary value is stored, has additional programmed means for writing a USSD service message, in particular a USSD service message, which comprises a service code which identifies a cash loading service and which comprises a secret value number, and in order to send out this USSD service message by means of the mobile radio device.
  • a USSD service message in particular a USSD service message, which comprises a service code which identifies a cash loading service and which comprises a secret value number
  • FIG. 1 shows a block diagram with a mobile radio device, a mobile network and a reload system which is connected to a home location register and a short message service center, both of which are connected to the mobile network.
  • FIG. 2 shows an example of a USSD service report with a
  • Service code and a secret value number as well as an example of a USSD service message, which also contains a user identification.
  • the reference symbol 1 in FIG. 1 relates to a mobile device, for example a mobile radio telephone for a GSM or a UMTS mobile network, with a data carrier card 11, for example a SIM card 11, with a memory 12 in which a monetary value is stored.
  • a user who wants to top up or reload the memory 12 on the SIM card 11 and / or an account in a prepaid system with a monetary value can, for example, use the input means 14 of the mobile radio device 1 to program 15 on the SIM card 11 start.
  • the program 15 prompts the user via the display 13 of the mobile radio device 11 to enter a secret value number using the input means 14 of the mobile radio device 1.
  • the user can obtain such a value number from a value card, which he can purchase for example at a kiosk, a post office counter or at another public point of sale for a fee.
  • a value card On such a value card, the value number is hidden, for example, by a cover that the user can remove, for example by scratching it away.
  • the value number entered by the user is received by program 15 and inserted into an unstructured supplementary service data (USSD) service message.
  • USB unstructured supplementary service data
  • reference numeral 9 relates to an example of a USSD service message, as can be written by the above-mentioned program 15. Reading from left to right, the first character is a *, which is followed by a three-digit service code 92. According to the GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 to Unstructured Supplementary Service Data (USSD) from GSM 02.90 to Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from GSM 02.
  • the service code preferably has a value in the range of 100 to 149, which has the consequence that such a USSD service message is routed from a visited network (Visited Public Land Mobile Network, VPLMN) directly to the home network, HPLMN (Home Public Land Mobile Network).
  • VPLMN Visitd Public Land Mobile Network
  • HPLMN Home Public Land Mobile Network
  • the home network can, according to GSM 02.90, decide whether this USSD service message should be handled locally or in the Home Location Register (HLR) 3.
  • the program 15 thus automatically inserts the service code, for example defined by the operator of the HPLMN in question, for identifying a cash loading service, preferably in the range between 100 and 149.
  • the program 15 inserts a further * character, onto which the user accepts Value number 93 follows.
  • the USSD service message 9 is terminated with a # sign and sent by the program 15 using the mobile radio device 1 in the mobile network 2, for example a GSM or a UMTS mobile network.
  • the user merely has to press a key on the input means 14 to start the program 15 and enter the value number using the input means 14.
  • the program 15 can also be started automatically when there is no longer any positive monetary value stored on the SIM card 11, so that the user only has to enter the value number.
  • the user can set up the USSD service message 9 himself without the help of the program 15 by entering a * character, entering the service code 92 for identifying a cash loading service, entering a further * character, entering the value number 93 and concludes the message with the # symbol and sends it to the mobile network 2, for example a GSM or a UMTS mobile network, with SEND.
  • the latter variant has the advantage that no special program 15 has to be loaded onto the SIM card 11, but it has the disadvantage that the user has to type in more data and know the service code 92 in order to identify a cash loading service.
  • the reference numeral 91 in FIG. 2 relates to an example of a USSD service message, which is structured as above, but which additionally also includes a user identification 94, for example an MSISDN number, which the user additionally enters, similarly as described above can. The further use of this user identification 94 will be described later.
  • the described USSD service message 9, 91 is forwarded directly to the HPLMN when it is sent out in a VPLMN.
  • the person skilled in the art can define the HPLMN in such a way that USSD service messages 9, 91 with the service code 92 are passed directly to the HLR 3 in order to identify a cash loading service.
  • Such a transmitted USSD service message 9, 91 is automatically forwarded to the HLR 3 of the user via the signaling system of the mobile network, for example a signaling system number 7 (SS7).
  • SS7 signaling system number 7
  • the reload system 6 surrounded by the dashed line comprises a receiving module 61, preferably a MAP interface 61, which, as indicated by the arrow 36, transmits the USSD service message 9, 91 from the HLR 3 described above by means of messages from the Mobile Application Part (MAP) can accept.
  • the MAP interface 61 is implemented, for example, by a person skilled in the art on a server as an interworking device which comprises conventional hardware and software components in order to receive MAP messages from the HLR 3, for example via an SS7 signaling system.
  • the interworking device 61 can forward the USSD service messages 9, 91 received in MAP messages, as indicated by the arrow 618, for example via a TCP / IP connection within the reload system 6.
  • the USSD service messages 9, 91 received via the MAP interface 61, or the data contained therein, as indicated by the arrow 618, are forwarded, for example, to a filter module 68.
  • This filter module 68 is a programmed software function which compares the service code 92 contained in the received USSD service message 9, 91 with the above-mentioned defined service code for identifying a cash loading service.
  • the filter module 68 forwards the data from received USSD service messages 9, 91, which have no service code for identifying a cash loading service, to other processing modules 5, for example, outside the reload system 6.
  • Data from USSD service messages 9, 91, which have a service code for identifying a cash loading service and are generated by the filter module 68. are known, are accepted as money loading service orders and are forwarded to a processing module 69 for further processing.
  • the processing module 69 is a programmed software module which, for example, is located together with the filter module 68 on a server which is connected to the MAP interface via a TCP / IP connection 618
  • the MAP interface 61 can be executed together with the filter module 68 and the processing module 69 on a common server, which means that the TCP / IP connection 618 is not necessary.
  • Received USSD service messages 9, 91, or the data contained therein, can be stored in a buffer memory in the reload system 6
  • the processing module 69 transfers the value number 93 contained in an received USSD service message 9, 91 to a validation module 63.
  • the validation module 63 validates the received value number 93 by storing it in a database 64 in which all valid and active value numbers are saved, checks whether they are entered there. If the value number 93 cannot be validated positively, that is, if it is not entered in the database 64, the reload system 6 can transmit an error avoidance to the relevant user who sent the USSD service message 9, 91.
  • the processing module 69 can prepare a corresponding short message, for example a short message service (SMS) short message, and, as indicated by the arrow 697, via a short message service center 7, for example a short message service center (SMSC), via the mobile network 2 transmit to the mobile device 1 of the user.
  • SMS short message service
  • SMSC short message service center
  • the error message is transmitted to the user in question by means of a USSD service message.
  • the validation module 63 delivers the monetary value corresponding to the value number 93 and the value number in the database 64 93 is assigned, and deactivates the value number 93, either by deleting the value number or setting a deactivation flag associated with the relevant value number in the database 64.
  • the processing module 69 transfers the monetary value received by the validation module 63 together with a user identification to the prepaid billing module 65.
  • the user identification is the MSISDN number 94, which was transmitted in the relevant USSD service message 91 (optional), or the MSISDN Number of the user who sent the USSD service message 9 if no optional user identification 94 was transmitted in the USSD service message 9.
  • the prepaid billing module accepts this data and credits the monetary value to the account corresponding to the accepted user identification in a database 66, that is to say the monetary value is stored in a memory associated with the relevant account, or a value stored in this memory becomes around the monetary value elevated.
  • the transfer of the monetary value to the SIM card 11 in the mobile radio device 1 is carried out, for example, according to the SICAP method described in EP 0 689 368.
  • the processing module 69 or the prepaid billing module 65 prepares a short message according to the SICAP method. in particular an SMS short message that contains the monetary value and the user identification and transmits this short message, as indicated by arrows 697 and 76, to the short message service center 7, from where it is sent via the mobile network 2, for example a GSM or UMTS - Mobile network to which the mobile device 1 is transmitted if this is activated.
  • the monetary value is taken from the received short message according to the SICAP method and added to the monetary value stored in the memory 12 of the SIM card 11.
  • the connection 697 or 76 can be implemented, for example as a TCP / IP connection, on which connection the processing module 69 or respectively access the prepaid billing module 65 via a software interface, otherwise the communication takes place via a pure software interface.
  • the reload system 6 advantageously keeps a record of the steps that are carried out for a money loading service order.
  • the processing module 69 writes each step carried out in this regard in a log file 67.
  • the steps considered include, for example, the acceptance of the money loading service order, the positive or negative validation, the crediting of the monetary value to an account, and the transmission of this monetary value the SIM card 11.
  • both or one of these programmed software modules can be implemented together with the processing module 69 on a common server or that all of these modules can be implemented on separate servers, modules on different servers, for example via TCP / IP connections, can communicate with one another and modules on common servers can communicate via software interfaces.
  • the two databases ken 64 and 66 can also be combined into a common database.
  • the program flow can be designed and implemented differently.
  • the validation module 63 and the prepaid billing module 65 are present as existing software / hardware modules separately or together, the validation module 63 can denote the prepaid billing module 65, as indicated by the dotted arrow 635 Hand over the amount of money and the user identification directly for further processing.
  • the buffer memory 62 could also be used as an order memory, from which the validation module 63 takes a new money loading service order (first-in, first-out), as indicated by the dotted arrow 623, as soon as the previous money loading service order indicates, for example, for further processing the prepaid billing module 65 was handed over.
  • security services in particular encryption services
  • Corresponding algorithms can be implemented, for example, as additional programmed functions 15 on the SIM card 11, or in the processing module 69 and / or prepaid billing module 65.
  • a personal identification number (PIN number) entered by the user can be transmitted in the USSD service message 9, 91, which is validated, for example, in the validation module 63 together with the value number 93. This could prevent a stolen or lost prepaid card from being misused.
  • the monetary value can also be transferred in a variant from the reload system 6 to the SIM card 11 by means of a USSD service message.
  • the described method and system is not only suitable for loading or reloading data carrier cards with a monetary value, but also that accounts in a networked prepaid system, for example in a database on a suitable one Servers, for example in a so-called Intelligent Network (IN), can be loaded or reloaded with a monetary value.
  • a networked prepaid system for example in a database on a suitable one Servers, for example in a so-called Intelligent Network (IN)
  • I Intelligent Network
  • the proposed method and the suitable system are particularly useful for network operators or other service providers who want to offer their customers a solution that allows them to store their data carrier cards, in particular their SIM cards 11 and / or an account, in a prepaid System to load or reload with prepaid monetary amounts.
  • network operators who have made roaming agreements with other network operators, for example in other countries can use the proposed method and the suitable system to offer their customers a solution that allows them to also use a VPLMN to save their data cards and / or Top up or top up your accounts in a prepaid system with prepaid monetary amounts.
  • system components for example data carriers with programs for controlling computers stored thereon, for example commercially available servers, according to the described method, for example a data carrier with a program for executing the described MAP interfaces 61 and / or with a program for executing the filter module 68 and processing module 69, and / or with a program for executing the validation module 63 and prepaid billing module 65.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Signal Processing (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Meter Arrangements (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention concerne un procédé et un système de rechargement adapté (6) pour charger ou recharger un compte avec une valeur correspondant à une somme d'argent, dans un système à prépaiement en réseau et/ou dans une carte SIM (module d'identification d'abonné) (11) d'un appareil téléphonique mobile. La valeur correspondant à une somme d'argent est mémorisée dans une mémoire (12, 66) dudit compte ou bien une valeur mémorisée dans ladite mémoire (12, 66) est augmentée de la valeur correspondant à la somme d'argent. L'utilisateur de l'appareil téléphonique mobile (1) envoie un message USSD (9, 91) qui comprend un code de service (92), servant à l'identification d'un service de chargement monétaire, ainsi qu'un numéro de valeur (93) secret. Ce message USSD (9, 91) est retransmis au système de rechargement (6) par l'intermédiaire de l'enregistreur de localisation terminale (HLR) de l'utilisateur susmentionné. Dans le système de rechargement (6), le numéro de valeur (93) susmentionné est validé, une valeur correspondant à une somme d'argent à charger ou à recharger correspondant au numéro de valeur (93) positivement validé susmentionné est déterminée, et cette valeur définie correspondant à une somme d'argent est créditée au compte susmentionné, par exemple par le fait que la valeur définie correspondant à une somme d'argent est transmise d'une centrale de service de messages courts (7) à ladite carte SIM (module d'identification d'abonné), au moyen d'un message SMS, par l'intermédiaire d'un réseau mobile GSM ou UMS.
PCT/CH1998/000511 1998-12-02 1998-12-02 Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent WO2000033264A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CH1998/000511 WO2000033264A1 (fr) 1998-12-02 1998-12-02 Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent
AU12224/99A AU1222499A (en) 1998-12-02 1998-12-02 Method and system for charging or recharging an account with a value corresponding to a sum of money

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CH1998/000511 WO2000033264A1 (fr) 1998-12-02 1998-12-02 Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent

Publications (1)

Publication Number Publication Date
WO2000033264A1 true WO2000033264A1 (fr) 2000-06-08

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PCT/CH1998/000511 WO2000033264A1 (fr) 1998-12-02 1998-12-02 Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent

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AU (1) AU1222499A (fr)
WO (1) WO2000033264A1 (fr)

Cited By (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001075816A1 (fr) * 2000-04-03 2001-10-11 Swisscom Mobile Ag Procede et systeme pour charger ou recharger des cartes a puce inserees dans des appareils de radiotelephonie mobile avec une somme d'argent
DE10034760A1 (de) * 2000-07-18 2002-01-31 Auto Sound Nord Burgmann & Tiu Verfahren zum Aufladen eines Mobiltelefongebührenkontos an einem Selbstbedienungsautomaten sowie Selbstbedienungsautomat dafür
WO2002025603A1 (fr) * 2000-09-25 2002-03-28 Oy Moom Solutions Ltd Procede de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue
WO2002082797A3 (fr) * 2001-02-20 2003-02-13 Telenity Iletisim Sistemleri A Reapprovisionnement de comptes de telephone sans fil a paiement anticipe utilisant un service d'envoi de messages courts
EP1164777A3 (fr) * 2000-06-06 2003-10-08 Nortel Networks Limited Procédé et dispositif permettant de rafraichir un compte prepaye pour services de communication sans fil
WO2003054820A3 (fr) * 2001-12-20 2003-12-11 Rene Molnar Procede de chargement de moyens de paiement electroniques commandes par un telephone mobile
WO2002084989A3 (fr) * 2001-04-12 2003-12-18 Siemens Ag Rechargement optimise de comptes prepayes
WO2004014090A1 (fr) * 2002-08-01 2004-02-12 Christopher David Eyles Procede et systeme pour la fourniture de services dans un reseau gsm
WO2002035487A3 (fr) * 2000-10-27 2004-04-01 Icom Mobile Ltd Procede et systeme de paiement a distance
EP1215634A3 (fr) * 2000-12-12 2004-05-06 Bally Wulff Automaten GmbH Méthode pour faire fonctionner une machine de jeu
EP1425901A1 (fr) * 2001-09-12 2004-06-09 Sicap AG Procede et dispositifs de gestion de rechargement itinerant
WO2004066228A1 (fr) * 2003-01-22 2004-08-05 Valista Limited Achat base sur des especes a l'aide de la communication mobile
DE10305621A1 (de) * 2003-02-11 2004-08-26 Holger Leusch Verfahren und Vorrichtung zur Nutzung von Pre-Paid- oder Calling Card Dienstleistungen für Mobiltelefone
DE10307660A1 (de) * 2003-02-21 2004-09-09 Walter Rosenbusch Verfahren und Einrichtung zur Abgabe von für den Betrieb von Mobilfunktelefonen benötigten gebührenpflichtigen Codes oder dergleichen
EP1530356A1 (fr) * 2003-11-10 2005-05-11 Peter Dumont Procédé pour recharger une carte téléphonique
FR2870067A1 (fr) * 2004-05-05 2005-11-11 Radiotelephone Sfr Procede de rechargement d'une carte d'abonnement grace a un equipement sans fil
EP1705890A1 (fr) * 2005-03-23 2006-09-27 E2Interactive, Inc. D/B/A E2Interactive, Inc. Délivrance d'identificateurs de valeur en utilisant le service de messages courts (SMS)
WO2008050174A1 (fr) * 2006-10-27 2008-05-02 Nokia Corporation Réactivation déclenchée de manière externe pour des modules d'identité d'utilisateur
GB2445416A (en) * 2007-01-05 2008-07-09 Yetty Ifode Adding credit to a mobile telephone
WO2008080431A1 (fr) * 2006-12-29 2008-07-10 Telecom Italia S.P.A. Système et procédé permettant d'obtenir des objets de droits sur des contenus et module sécurisé conçu pour leur implémentation
WO2010060661A1 (fr) * 2008-11-25 2010-06-03 Alcatel Lucent Transfert d'argent à l'aide de réseaux cellulaires
EP2184708A4 (fr) * 2007-08-28 2012-02-22 Urbis Telecom Corp Procédé et système de traitement de crédits permettant l'utilisation de ces derniers par les abonnés d'un réseau de télécommunications
WO2015041580A1 (fr) * 2013-09-23 2015-03-26 Telefonaktiebolaget L M Ericsson (Publ) Appareil et procédé pour créditer des comptes de facturation d'abonné
CN109447806A (zh) * 2018-11-01 2019-03-08 中国银行股份有限公司 前端控制方法及装置、存储介质及电子设备

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EP0689368A1 (fr) 1994-06-20 1995-12-27 Swisscom AG Dispositif de transmission de messages dans un réseau de communication mobile
WO1996025828A1 (fr) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. Procede pour utiliser des applications dans un poste mobile, poste mobile et systeme pour effectuer des paiements
FR2752123A1 (fr) * 1996-08-01 1998-02-06 Solaic Sa Procede de realisation d'une transaction securisee entre un serveur et un poste mobile equipe d'une carte a circuit integre
EP0827119A1 (fr) 1996-08-29 1998-03-04 Swisscom AG Méthode pour charger ou recharger une carte support de données avec une valeur monétaire
WO1998025426A2 (fr) * 1996-12-04 1998-06-11 British Telecommunications Public Limited Company Procede d'etablissement d'un appel
WO1998033343A1 (fr) * 1997-01-27 1998-07-30 Telecom Finland Oy Station mobile avec module d'identification d'abonne et procede pour realiser une fonction de carte a puce
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0689368A1 (fr) 1994-06-20 1995-12-27 Swisscom AG Dispositif de transmission de messages dans un réseau de communication mobile
WO1996025828A1 (fr) * 1995-02-15 1996-08-22 Nokia Mobile Phones Ltd. Procede pour utiliser des applications dans un poste mobile, poste mobile et systeme pour effectuer des paiements
FR2752123A1 (fr) * 1996-08-01 1998-02-06 Solaic Sa Procede de realisation d'une transaction securisee entre un serveur et un poste mobile equipe d'une carte a circuit integre
EP0827119A1 (fr) 1996-08-29 1998-03-04 Swisscom AG Méthode pour charger ou recharger une carte support de données avec une valeur monétaire
WO1998025426A2 (fr) * 1996-12-04 1998-06-11 British Telecommunications Public Limited Company Procede d'etablissement d'un appel
WO1998033343A1 (fr) * 1997-01-27 1998-07-30 Telecom Finland Oy Station mobile avec module d'identification d'abonne et procede pour realiser une fonction de carte a puce
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile

Cited By (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001075816A1 (fr) * 2000-04-03 2001-10-11 Swisscom Mobile Ag Procede et systeme pour charger ou recharger des cartes a puce inserees dans des appareils de radiotelephonie mobile avec une somme d'argent
EP1164777A3 (fr) * 2000-06-06 2003-10-08 Nortel Networks Limited Procédé et dispositif permettant de rafraichir un compte prepaye pour services de communication sans fil
DE10034760A1 (de) * 2000-07-18 2002-01-31 Auto Sound Nord Burgmann & Tiu Verfahren zum Aufladen eines Mobiltelefongebührenkontos an einem Selbstbedienungsautomaten sowie Selbstbedienungsautomat dafür
DE10034760C2 (de) * 2000-07-18 2002-05-08 Auto Sound Nord Burgmann & Tiu Verfahren zum Aufladen eines Mobiltelefongebührenkontos an einem Selbstbedienungsautomaten sowie Selbstbedienungsautomat dafür
WO2002025603A1 (fr) * 2000-09-25 2002-03-28 Oy Moom Solutions Ltd Procede de remboursement/transfert d'un produit, d'un service, d'un paiement et/ou analogue
WO2002035487A3 (fr) * 2000-10-27 2004-04-01 Icom Mobile Ltd Procede et systeme de paiement a distance
EP1215634A3 (fr) * 2000-12-12 2004-05-06 Bally Wulff Automaten GmbH Méthode pour faire fonctionner une machine de jeu
WO2002082797A3 (fr) * 2001-02-20 2003-02-13 Telenity Iletisim Sistemleri A Reapprovisionnement de comptes de telephone sans fil a paiement anticipe utilisant un service d'envoi de messages courts
US6934529B2 (en) 2001-02-20 2005-08-23 Sevket Ilhan Bagoren Replenishment of pre-paid wireless telephone accounts using short message service (SMS)
WO2002084989A3 (fr) * 2001-04-12 2003-12-18 Siemens Ag Rechargement optimise de comptes prepayes
EP1425901A1 (fr) * 2001-09-12 2004-06-09 Sicap AG Procede et dispositifs de gestion de rechargement itinerant
WO2003054820A3 (fr) * 2001-12-20 2003-12-11 Rene Molnar Procede de chargement de moyens de paiement electroniques commandes par un telephone mobile
WO2004014090A1 (fr) * 2002-08-01 2004-02-12 Christopher David Eyles Procede et systeme pour la fourniture de services dans un reseau gsm
WO2004066228A1 (fr) * 2003-01-22 2004-08-05 Valista Limited Achat base sur des especes a l'aide de la communication mobile
DE10305621A1 (de) * 2003-02-11 2004-08-26 Holger Leusch Verfahren und Vorrichtung zur Nutzung von Pre-Paid- oder Calling Card Dienstleistungen für Mobiltelefone
DE10305621B4 (de) * 2003-02-11 2004-12-16 Holger Leusch Verfahren und Vorrichtung zur Nutzung von Pre-Paid- oder Calling Card Dienstleistungen für Mobiltelefone
DE10307660A1 (de) * 2003-02-21 2004-09-09 Walter Rosenbusch Verfahren und Einrichtung zur Abgabe von für den Betrieb von Mobilfunktelefonen benötigten gebührenpflichtigen Codes oder dergleichen
EP1530356A1 (fr) * 2003-11-10 2005-05-11 Peter Dumont Procédé pour recharger une carte téléphonique
EP1596342A1 (fr) * 2004-05-05 2005-11-16 Societé Française du Radiotéléphone Procédé et dispositif de rechargement d'une carte à puce sans contact
FR2870067A1 (fr) * 2004-05-05 2005-11-11 Radiotelephone Sfr Procede de rechargement d'une carte d'abonnement grace a un equipement sans fil
US7543737B2 (en) 2004-05-05 2009-06-09 Societe Francaise Du Radiotelephone Method for recharging a subscription card using wireless equipment
US7472822B2 (en) 2005-03-23 2009-01-06 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
EP1705890A1 (fr) * 2005-03-23 2006-09-27 E2Interactive, Inc. D/B/A E2Interactive, Inc. Délivrance d'identificateurs de valeur en utilisant le service de messages courts (SMS)
US9256867B2 (en) 2005-03-23 2016-02-09 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
WO2008050174A1 (fr) * 2006-10-27 2008-05-02 Nokia Corporation Réactivation déclenchée de manière externe pour des modules d'identité d'utilisateur
WO2008080431A1 (fr) * 2006-12-29 2008-07-10 Telecom Italia S.P.A. Système et procédé permettant d'obtenir des objets de droits sur des contenus et module sécurisé conçu pour leur implémentation
GB2445416A (en) * 2007-01-05 2008-07-09 Yetty Ifode Adding credit to a mobile telephone
EP2184708A4 (fr) * 2007-08-28 2012-02-22 Urbis Telecom Corp Procédé et système de traitement de crédits permettant l'utilisation de ces derniers par les abonnés d'un réseau de télécommunications
WO2010060661A1 (fr) * 2008-11-25 2010-06-03 Alcatel Lucent Transfert d'argent à l'aide de réseaux cellulaires
US8775304B2 (en) 2008-11-25 2014-07-08 Alcatel Lucent Money transfer using cellular networks
WO2015041580A1 (fr) * 2013-09-23 2015-03-26 Telefonaktiebolaget L M Ericsson (Publ) Appareil et procédé pour créditer des comptes de facturation d'abonné
CN109447806A (zh) * 2018-11-01 2019-03-08 中国银行股份有限公司 前端控制方法及装置、存储介质及电子设备

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