111111
`
`(19) United States
`(12) Patent Application Publication
`Lee
`
`11111111111111111111111111111111111111111111111111111111111111
`US 20010007983Al
`
`(10) Pub. No.: US 2001/0007983 A1
`Jul. 12, 2001
`(43) Pub. Date:
`
`(54) METHOD AND SYSTEM FOR
`TRANSACTION OF ELECTRONIC MONEY
`WITH A MOBILE COMMUNICATION UNIT
`AS AN ELECTRONIC WALLET
`
`(30)
`
`Foreign Application Priority Data
`
`Dec. 15, 2000
`Dec. 28, 1999
`
`(KR) ........................... PCT/KR00/01469
`(KR) .............................. 10-1999-063144
`
`(76)
`
`Inventor:
`
`Jong-11 Lee, Koyang-City (KR)
`
`Correspondence Address:
`Ajay A. Jagtiani
`J agtiani & Associates
`Democracy Square Business Center
`10379-B Democracy Lane
`Fairfax, VA 22030 (US)
`
`(21) Appl. No.:
`
`09/796,827
`
`(22) Filed:
`
`Mar. 2, 2001
`
`Publication Classification
`
`(51)
`Int. CI? ..................................................... G06F 17/60
`(52) U.S. Cl. ................................. 705/69; 705/64; 705/39
`(57)
`ABSTRACT
`A electronic monetary system comprising a mobile commu(cid:173)
`nication unit as an electronic wallet for transactions includ(cid:173)
`ing electronic payments, money transfer, and recharging the
`electronic account.
`The security of the electronic transactions is confirmed by
`circulating a confirmation number through a loop formed by
`an E-wallet managing server through the wireless network to
`the mobile communication unit of the user.
`
`TWILIO INC. Ex. 1018 Page 1
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 1 of 22 US 2001!0007983 A1
`
`FIG. 1
`
`150
`
`USER
`
`151
`
`Personal
`Computer
`
`Telephone
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`130
`
`160
`
`152
`
`110
`
`153
`
`140
`
`Seller's
`Homepage
`
`........................................
`.
`.
`
`Homepage WO
`
`ARS
`
`~100
`
`······················ ······ ······ .. :
`
`TWILIO INC. Ex. 1018 Page 2
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`

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`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 2 of 22 US 2001!0007983 A1
`
`FIG. 2A
`
`150 \
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`...,
`
`)
`\_
`153
`
`S210
`
`~
`
`Input PasswordfAmount
`
`)10
`
`Key-in the received
`Confirm~on Number
`
`ARS
`
`(3212 n
`=~~~~~~·~~~,~~~·;~~:~:"~~:·'·:::: ::::: •
`II
`
`S211
`
`~
`
`Transmit for the confirmation
`of the transaction
`
`\S213
`
`100
`
`TWILIO INC. Ex. 1018 Page 3
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 3 of 22 US 2001!0007983 A1
`
`FIG. 2B
`
`150
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`153
`
`5220
`
`~
`
`Input Password/Amount
`
`S222
`~
`Key-in the received
`Confirmation Number
`
`Key-in Card numberNalid Date
`
`S223
`
`S221
`~
`
`Transmit Confirmation Number
`
`120
`
`E-Wallet Managing
`Server's Homepage
`
`100
`
`TWILIO INC. Ex. 1018 Page 4
`
`

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`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 4 of 22 US 2001!0007983 A1
`
`FIG. 2C
`
`150
`
`~
`
`USER
`
`S230
`
`~
`
`Input Name/Date/Amount
`
`;;o
`
`r------/5231
`Confirm for the transaction
`
`~S232 E-Wallet Managing
`E-Wallet number/Password
`Server's Homepage
`
`Key-in Confirma.tlon Number
`
`S233
`
`~S234 u
`II
`~100
`
`~
`...... ~~~~~-"-~?.?.~~-~~~~~~-~~-~~~ ........... -
`14·
`Mobile
`Communication
`Unit (E-Wallet) ~- ................................................................
`Transmit for the confirmation
`_\
`~
`153
`
`\S235
`
`TWILIO INC. Ex. 1018 Page 5
`
`

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`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 5 of 22 US 2001!0007983 A1
`
`FIG. 2D
`
`150
`
`~
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`\
`\_
`153
`
`;zo
`
`S240
`~
`
`E-Wallet Number/Password/Amount
`
`Key-in Confir112_ation Number
`
`(_S242
`
`Mobile
`Communication
`Service Unit
`
`u
`S241
`~
`Transmit Confirmation Number ~~
`~-···························································· ~~- 11
`............................................................... ~~~:;}~
`Transmit for the confirmation
`\
`~100
`
`S243
`
`TWILIO INC. Ex. 1018 Page 6
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 6 of 22 US 2001!0007983 A1
`
`FIG. 3A
`
`150
`
`~
`
`USER
`
`S310
`~
`
`E-Wallet Number/Password/Amount
`
`)10
`
`Key-in Confir~ation Number
`
`ARS
`
`~S312
`
`~
`iii
`
`100
`
`S311
`~
`r-· .................................................................
`Mobile
`Communication
`Unit (E-Wallet) ~- ................................................................
`Transmit for the confirmation
`)
`(balance, recharged amount)
`\..
`153
`
`Transmit Confirmation Number
`
`.....
`
`TWILIO INC. Ex. 1018 Page 7
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 7 of 22 US 2001!0007983 A1
`
`FIG. 3B
`
`150
`
`~
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`\
`\_
`153
`
`S320
`
`~
`
`E-Wallet Number/Password/Amount
`
`~20
`
`S322
`~
`Key-in Confirmation Number
`
`Card NumberNalid Date
`....
`
`~S323
`
`~
`
`E-Wallet Managing
`Server's Homepage
`
`~ u
`II
`
`S321
`
`~
`•·
`......... ~~~~=~~~.C.~~fi-~~~-·i~~-~-~-~-b~~---····· •
`~· ................................................................
`Transmit for the confirmation
`(balance, recharged amount)
`
`\S324
`
`\_ 100
`
`TWILIO INC. Ex. 1018 Page 8
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 8 of 22 US 2001!0007983 A1
`
`FIG. 3C
`
`150
`
`~
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`'
`
`~
`153
`
`S330
`
`~
`
`Input Name/Date/Amount
`
`;;a
`
`I
`
`~S331
`Confirm Transaction
`
`~
`
`...._
`
`r----/S332
`E-Wallet Number/Password
`
`~
`
`E-Wallet Managing
`Server's Homepage
`
`Key in ConfirmaJton Number
`
`~S334
`
`S333
`
`~
`~
`...... ~~~~~·''.?.~~.n~.~~,~~~.~~.~~:: ........... ~~~
`f4·
`I!
`r-· ...................................................................
`~100
`
`Transmit for the confirmation
`(balance, recharged amount)
`
`\$335
`
`TWILIO INC. Ex. 1018 Page 9
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 9 of 22 US 2001!0007983 A1
`
`FIG. 3D
`
`150
`
`\
`
`USER
`
`S340
`
`~
`
`E-Wallet Number/Password/Amount
`
`Key in Confirmation Number
`
`-
`~S342
`
`170
`~
`
`Mobile
`Communication
`Unit Service
`
`~
`~- ································································-
`Mobile
`Communication
`Unit (E-Wallet) ~- .................................................................
`Transmit for the confirmation
`~
`(balance, recharged amount)
`\..
`153
`
`S341
`
`Transmit Confirmation Number
`
`\S343
`
`~
`II
`
`\
`
`100
`
`TWILIO INC. Ex. 1018 Page 10
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 10 of 22 US 2001!0007983 A1
`
`FIG. 4A
`
`S410
`~
`
`E-Wallet Number/PasswordfAmount
`
`S411
`~
`Confirm the Balance
`
`Target E-Wallet~umber/Amount
`
`~S412
`
`S414
`~
`......... ~~~~~--T-~~~-~-~::''?.~".:'~.?.:: .............. -
`
`;;o
`
`f
`
`E-Wallet Managing
`Server's Homepage
`
`~
`::
`
`(1100
`............................... \ .............................................. :
`
`Notify Assigned Password/Transaction/Balance
`
`~
`
`S413
`
`150
`
`~
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`~-
`
`\
`\_
`153
`
`Target
`E-Wallet
`
`953
`
`TWILIO INC. Ex. 1018 Page 11
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 11 of 22 US 2001!0007983 A1
`
`FIG. 4B
`
`5420
`~
`
`E-Wallet Number/Password
`
`5421
`~
`Balance Check
`
`....._
`
`-
`
`Target E-W~IeUAmount
`
`~S422
`
`-•
`
`S424
`
`~
`......... ~o-~i.?..!~~~~=:_t:~~:~.~~~~~-~ ............. •
`
`~·
`
`yo
`
`I
`
`E-Wallet Managing
`Server's Homepage
`
`~
`II
`
`(1100
`
`150
`
`~
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`\
`~
`153
`
`Target
`E-Wallet
`
`Notify Transaction/Balance
`·······························t·············································=
`S423
`
`953
`
`TWILIO INC. Ex. 1018 Page 12
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 12 of 22 US 2001!0007983 A1
`
`FIG. SA
`
`150
`
`~
`
`USER
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`~
`153
`
`$510
`
`~
`
`E-Wallet Number/Password
`
`!
`
`Seller's
`Homepage
`
`S511
`
`~
`
`E-Wallet Number/
`Password/
`Amount
`
`S512
`
`/
`
`Approve
`Transaction
`
`S513
`
`Not;ty Transaction/Balance II ~
`~
`:.·································································
`
`. ~
`
`(_100
`
`TWILIO INC. Ex. 1018 Page 13
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 13 of 22 US 2001!0007983 A1
`
`FIG. 5B
`
`150
`
`~
`
`USER
`
`S520
`
`~
`
`E-Wallet Number/Password
`
`Key-in Confirm~tion Number
`
`I
`
`Seller's
`Homepage
`
`(_S523
`$521
`
`Password/
`Amount
`
`S524
`~
`~ S525
`E-Wallet Number/ Confirm ~
`
`Number
`
`Approve
`
`TWILIO INC. Ex. 1018 Page 14
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 14 of 22 US 2001!0007983 A1
`
`FIG. 6A
`
`150
`
`USER
`
`$610
`
`Select menu or
`key in for balance
`check menu
`
`);00
`
`Mobile
`Communication
`Service Company
`
`Notify Balance
`·································t·························
`
`8611 --iii
`
`\100
`
`E-Wallet
`
`153
`
`TWILIO INC. Ex. 1018 Page 15
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 15 of 22 US 2001/0007983 A1
`
`FIG. 6B
`
`150
`
`~
`
`USER
`
`Mobile
`Communication ~-
`Unit (E-Wallet)
`'
`
`)
`\_
`153
`
`S620
`
`~
`
`E-Wallet Number/Password/Amount
`
`~10
`
`Notify B~ance
`
`-~
`
`ARS
`
`(S621 n
`il
`
`S622
`
`................... ~~·~~--~~~~ .......................
`
`100
`
`TWILIO INC. Ex. 1018 Page 16
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 16 of 22 US 2001!0007983 A1
`
`FIG. 6C
`
`1
`
`\
`
`USER
`
`S630
`
`~
`
`E-Wallet Number/Password/Amount
`
`120
`~
`
`~
`
`E-Wallet Managing
`Server's Homepage
`
`Notify Balance
`
`(S631
`
`Notify Balance
`~·································1··························
`
`~
`
`S632 ~~~
`E
`
`100
`
`Mobile
`Communication
`Unit (E-Wallet)
`"'
`l
`\_
`153
`
`TWILIO INC. Ex. 1018 Page 17
`
`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 17 of 22 US 2001!0007983 A1
`
`FIG. 7
`
`707
`
`~
`
`RF Module
`
`·~
`•
`
`~ Input Module
`
`/14
`• ~3 .. Memory Module
`
`701
`
`\
`
`Message Encoder ~
`/Decoder Module
`
`Encription/Decription ~
`Module
`I -(
`
`702
`
`~ Controller Module ~
`
`I
`
`I
`
`~5
`
`Output Module
`
`)
`
`706
`
`TWILIO INC. Ex. 1018 Page 18
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 18 of 22 US 2001/0007983 A1
`
`FIG. 8
`
`901
`_)
`
`I
`
`902
`)
`
`I
`
`Designator
`
`OP code
`
`903
`:;
`
`(
`
`Amount
`Record
`
`904
`)
`
`I
`SMS
`
`TWILIO INC. Ex. 1018 Page 19
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 19 of 22 US 2001!0007983 A1
`
`FIG. 9A
`
`150 \
`
`USER
`
`S810
`
`Select menu
`or button
`for Amount
`
`E-Wallet
`
`153
`
`BOO
`
`Mobile
`Communication
`Company
`
`S811
`
`""
`
`E-Wallet
`Number/
`Password/
`Amount
`
`S812
`
`~
`
`Approve
`Transaction
`
`S813
`
`~
`Notify Transaction/
`Amount/Balance
`. ································································
`
`TWILIO INC. Ex. 1018 Page 20
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 20 of 22 US 2001!0007983 A1
`
`FIG. 9B
`
`800
`
`Mobile
`Communication
`Company
`
`S821 "
`
`E-wallet Number/
`Password of
`USER 1
`E-wallet numberof
`USER 2/Amount
`
`S822
`~
`
`Approve
`Transaction
`
`$823
`
`~
`
`Notify Transaction/AmountfBalance
`
`USER 1
`
`$820
`
`Select menu!
`button for
`E-wallet number!
`Amount of USER 2
`
`E-Wallet of
`USER 1
`
`153
`
`100
`
`E-wallet
`of USER 2
`......_
`
`Notify Transaction/Amount/Balance
`~·······························t·············································
`$824
`
`l953
`
`TWILIO INC. Ex. 1018 Page 21
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`

`
`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 21 of 22 US 2001!0007983 A1
`
`FIG. 10
`
`150
`
`USER
`
`S910
`
`~
`
`Password/Amount
`
`110
`
`ARS
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`153
`
`-
`
`l
`100
`
`Cont
`
`S911
`
`TWILIO INC. Ex. 1018 Page 22
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`

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`Patent Application Publication
`
`Jul. 12, 2001
`
`Sheet 22 of 22 US 2001!0007983 A1
`
`FIG. 11
`
`150
`
`USER
`
`S1000
`
`~
`
`Password/Amount
`
`110
`~
`
`ARS
`
`Mobile
`Communication
`Unit (E-Wallet)
`
`Notify Transaction/Balance
`
`153
`
`\S1010
`
`•• II
`
`l
`
`100
`
`TWILIO INC. Ex. 1018 Page 23
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`

`
`US 2001/0007983 A1
`
`Jul. 12, 2001
`
`1
`
`METHOD AND SYSTEM FOR TRANSACTION OF
`ELECTRONIC MONEY WITH A MOBILE
`COMMUNICATION UNIT AS AN ELECTRONIC
`WALLET
`
`FIELD OF THE INVENTION
`
`[0001] The present invention relates to an electronic mon(cid:173)
`etary system, and particularly to an electronic money trans(cid:173)
`fer system including electronic wallet for secure electronic
`transactions and an operating method thereof.
`
`DESCRIPTION OF THE RELATED ART
`
`[0002] The present invention relates to an electronic
`money system for implementing electronic money payment
`system as an alternative means to the conventional payment
`medium such as cash, checks, credit and debit cards.
`
`[0003] The conventional credit card allows the internet
`user to make a purchase from a vendor simply by recording
`the credit card number and validation date on the cyber
`voucher displayed on the user's computer screen on the
`network.
`
`[0004] However, since the disclosure of the credit card
`number and the user's information during the purchasing
`step is vulnerable to the attack from a hacker, the conven(cid:173)
`tional credit card system is not adequate for an electronic
`commerce application.
`
`[0005] Furthermore, since the youngsters under eighteen
`years of age are not allowed to be issued a credit card, the
`conventional credit card system is not appropriate for the
`kids to use for paying for the small items such as MP3 music
`file.
`
`[0006] Furthermore, there is a tendency that the internet
`users dislike to use the credit card as a payment means
`especially for a small-size purchasing item because of the
`possibility of hacking problem.
`
`[0007] To resolve the security issue of the conventional
`credit card system, an electronic monetary system employ(cid:173)
`ing an additional card with an encrypted number has been
`proposed. The following U.S. patents discloses the payment
`means and technique for electronic commerce on internet:
`U.S. Pat. No. 5,963,648, U.S. Pat. No. 5,920,629, and U.S.
`Pat. No. 5,953,423.
`
`[0008] The prior art disclosed in the abovementioned U.S.
`patents can be categorized into two approaches: a card
`system and an encrypted number system. Since the card
`system of the prior art employs a magnetic card or an IC
`card, the sellers have to be provided with a specific card
`reader.
`
`[0009] Moreover, it is inconvenient because the customer
`does not have an alternative way to check his balance of
`account other than the card reader. The conventional card
`system still lacks the security means against the hacker's
`attack.
`
`[0010] As an another approach of the prior art, the
`encrypted number system employs a series of the encrypted
`number having 1T16 digits. The encrypted number system
`has merit in a sense that the encrypted number can be issued
`to a user instantly whenever the user applies for it.
`
`[0011] However, the encrypted number system of the prior
`art still suffers from the shortcoming in that the user has to
`memorize a long number of 12-16 digits. Further, it is still
`difficult to tell the differences between the genuine user and
`the fake for a specific encrypted number under processing.
`
`SUMMARY OF THE INVENTION
`
`In view of these problems, there is a need in the art
`[0012]
`for a secure and convenient electronic payment system,
`especially for an electronic money transfer on internet,
`which is not subject to these limitations.
`
`[0013] Accordingly, it is an object of the present invention
`to provide an electronic money transfer system and method
`wherein the electronic commerce can be performed in a
`secure and convenient way.
`
`It is further an object of the present invention to
`[0014]
`provide an electronic wallet and operating method wherein
`even small-size electronic commerce can be safely and
`conveniently performed.
`
`[0015] Yet it is an object of the present invention to
`provide an electronic payment system including an elec(cid:173)
`tronic wallet that allows the user to perform transactions
`such as the issue, the recharge, the transfer, and the checking
`of the balance.
`
`It is another object of the present invention to
`[0016]
`provide an electronic monetary system and method that
`allows the user to perform all kinds of electronic transac(cid:173)
`tions on internet and/or wireless network.
`
`It is further an object of the present invention to
`[0017]
`provide an electronic monetary system including a mobile
`communication unit that allows the user to conduct elec(cid:173)
`tronic commerce and transactions.
`
`In accordance with a broad aspect of the present
`[0018]
`invention, provided is an electronic monetary system that
`comprises anARS server, a payment managing server, a web
`page of the payment managing server for interfacing the
`customers, and a mobile communication unit as an elec(cid:173)
`tronic wallet.
`
`[0019] The ARS server allows the user to open a new
`electronic account, to recharge the electronic account, and to
`check the balance of the electronic account. The E-wallet
`managing server manages the overall electronic commerce
`and transactions between buyers and sellers.
`
`[0020] The unique feature of the present invention is that
`the genuine user of the current electronic transaction is
`confirmed under a procedure of circulating a certain confir(cid:173)
`mation number through a loop comprising the ARS server,
`the user's electronic wallet (preferably, the user's mobile
`communication unit) and the wireless network.
`
`[0021] As a result, it becomes possible to implement a
`secure and convenient monetary system for electronic com(cid:173)
`merce and transactions on internet.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`[0022] Further features of the present invention will
`become apparent from a description of the operating method
`and system taken in conjunction with the accompanying
`drawings of the preferred embodiment of the invention,
`
`TWILIO INC. Ex. 1018 Page 24
`
`

`
`US 2001/0007983 Al
`
`Jul. 12, 2001
`
`2
`
`which, however, should not be taken to be limitative to the
`invention, but are for explanation and understanding only.
`
`[0023]
`
`In the drawings:
`
`[0024] FIG. 1 is a schematic diagram illustrating the
`electronic monetary system in accordance with the present
`invention.
`
`[0025] FIGS. 2A to 2D are schematic diagrams illustrat(cid:173)
`ing the workflow of opening a new electronic account in
`accordance with the preferred embodiments of the present
`invention.
`
`[0026] FIGS. 3A to 3D are schematic diagrams illustrat(cid:173)
`ing the workflow of recharging the electronic account in
`accordance with the preferred embodiments of the present
`invention.
`
`[0027] FIGS. 4A and 4B are schematic diagrams illus(cid:173)
`trating the workflow of transferring electronic money in
`accordance with the preferred embodiments of the present
`invention.
`
`[0028] FIGS. SA and 5B are schematic diagrams illus(cid:173)
`trating the workflow of an electronic purchasing scenario in
`accordance with the preferred embodiments of the present
`invention.
`
`[0029] FIGS. 6A to 6C are schematic diagrams illustrat(cid:173)
`ing the workflow of checking the balance of the electronic
`account in accordance with the preferred embodiments of
`the present invention.
`
`[0030] FIG. 7 is a schematic diagram illustrating the
`comprising blocks of a mobile communication unit as an
`electronic wallet in accordance with the present invention.
`
`[0031] FIG. 8 is a schematic diagram illustrating the
`format of the SMS message transmitted from a mobile
`communication unit as an electronic wallet in accordance
`with the present invention.
`
`[0032] FIGS. 9A and 9B are schematic diagrams illus(cid:173)
`trating the workflow of performing an electronic commerce
`with an electronic wallet in accordance with the present
`invention.
`
`[0033] FIG. 10 is a schematic diagram illustrating the
`workflow of applying for the issue of a new electronic
`account with an electronic wallet in accordance with the
`present invention.
`
`[0034] FIG. 11 is a schematic diagram illustrating the
`workflow of recharging the electronic account with an
`electronic wallet in accordance with the present invention.
`
`DETAILED DESCRIPTION OF 1HE
`PREFERRED EMBODIMENT OF 1HE
`INVENTION
`
`[0035] The present invention will be explained in detail
`with reference to the accompanying drawings.
`
`[0036] The present invention provides a method of elec(cid:173)
`tronic monetary transfer through an electronic wallet.
`
`[0037] FIG. 1 is a schematic diagram illustrating the
`electronic monetary system in accordance with the present
`invention. Referring to FIG. 1, an E-wallet (electronic
`
`wallet) managing server 100, an ARS server 110, and a
`homepage 120 of the E-wallet managing server 100 are
`depicted.
`
`[0038] The user 150 has an access to the E-wallet man(cid:173)
`aging server 100 through the internet 130 or the wireless
`network 140 and performs electronic transactions such as
`opening a new electronic account, recharging the account,
`transforming between accounts, and checking the balance.
`
`[0039] The user 150 also has an access either to the
`homepage 120 of theE-wallet managing server 100 or to the
`seller's homepage 160 to conduct an electronic commerce.
`
`[0040] As a preferred embodiment according to the
`present invention, the user 150 can make a phone call to the
`ARS server 110 by his telephone unit 152 and perform
`various electronic transactions such as opening, recharging,
`transferring, and checking the balance of account.
`
`[0041] More preferably, a mobile communication unit 153
`can be used as an E-wallet for performing various electronic
`transactions such as opening the account, recharging the
`account, transferring money between accounts, and check(cid:173)
`ing the valance of account.
`
`[0042] FIG. 2A is a schematic diagram illustrating the
`workflow of opening a new electronic account in accordance
`with a first embodiment of the present invention.
`
`[0043] Referring to FIG. 2A, the user 150 makes a phone
`call to the ARS server 110 of the E-wallet managing com(cid:173)
`pany and keys in his phone number of the mobile commu(cid:173)
`nication unit 153, his password, and the amount of money to
`be initially deposited in his new account (step S210).
`
`[0044] The ARS server 110 then sends a stream of a
`randomly generated confirmation number to the user's
`mobile communication unit (E-wallet; 153) through a wire(cid:173)
`less network (step S211). The confirmation number sent
`from the ARS server 110 is then displayed on the LCD
`monitor of the user's E-wallet 153.
`
`[0045] After reading the confirmation number displayed
`on the display of his mobile communication unit, the user
`150 enters the confirmation number by using the buttons on
`the keypad of his mobile communication unit in order to
`send back the confirmation number. The successful circula(cid:173)
`tion of the confirmation number through the loop via the
`occupant of the mobile communication unit implies that the
`genuine user is applying for an electronic money account to
`the ARS server 110 (step S212).
`
`[0046] Now, the randomly generated confirmation number
`has been circulated through a loop starting from the ARS
`server 110 through the user's E-wallet, and finally back to
`the ARS server 110.
`
`In the case when the number entered on the user's
`[0047]
`ARS call (step S212) is exactly the same number as the one
`transmitted by the ARS server 110 on the wireless network,
`the requested transaction can be approved by the E-wallet
`managing server.
`
`[0048] Finally, the E-wallet managing server 100 sends a
`message stating that the user's request for opening a new
`electronic account has be successfully performed (step
`S213).
`
`TWILIO INC. Ex. 1018 Page 25
`
`

`
`US 2001/0007983 Al
`
`Jul. 12, 2001
`
`3
`
`[0049] The first embodiment of the present invention
`depicted in FIG. 1A discloses a technique of identifying a
`genuine user by circulating a confirmation number from the
`server 110 through theE-wallet 153 to the user'sARS phone
`network.
`
`[0050] Now, the user 150 can conduct an electronic com(cid:173)
`merce on internet with his electronic money account. The
`amount of money the user has requested in the transaction
`now can be added to the total of the monthly invoice billed
`by the company of telephone service, for example.
`
`[0051] FIG. 2b is a schematic diagram illustrating the
`workflow of opening a new electronic account in accordance
`with a second embodiment of the present invention.
`
`[0052] Referring to FIG. 2b, the user 150 can visit the
`homepage 120 of the E-wallet managing server 100 in
`accordance with the present invention and request to open a
`new electronic account on internet.
`
`[0053] The user can enter the information about the phone
`number of his mobile communication unit (i.e. E-wallet)
`153, his password, and the requested amount of money for
`his new electronic account (step S220) on internet.
`
`[0054] The E-wallet managing server 100 transmits a
`confirmation number (step S221) to the mobile communi(cid:173)
`cation unit (or an E-wallet) identified by the phone number
`that the user entered at a step of S220.
`
`[0055] The user 150 now reads the confirmation number
`displayed on the screen of his E-wallet 153 and enters the
`received confirmation number in the appropriate box pro(cid:173)
`vided on the E-wallet managing server's homepage 120
`(step S222).
`
`[0056] Now, the request for a new electronic monetary
`account has been securely validated through a successful
`circulation of the confirmation number.
`
`[0057] Thereafter, the user 150 can choose either a credit
`card or a debit card for his payment means (step S223).
`Namely, the user 150 can enter his credit card number with
`the validation date at a step of S223.
`
`[0058] The user can expect to receive an invoice later next
`month for the requested transaction of the electronic money
`in his new account.
`
`[0059] As a preferred embodiment in accordance with the
`present invention, the confirmation message sent to the
`user's E-wallet 153 can include the balance of account,
`and/or the amount of the issued electronic money through
`SMS (short message service) means at step S224.
`
`[0060] FIG. 2c is a schematic diagram illustrating the
`workflow of opening a new electronic monetary account in
`accordance with a third embodiment of the present inven(cid:173)
`tion.
`
`[0061] Referring to FIG. 2c, the user 150 can open a new
`electronic account by transferring money from a bank
`account. Namely, the user 150 can provide information
`about the name of the sender, date of transfer, and the
`amount of transfer in the web page 120 of the E-wallet
`managing server 100 (step S 230) after sending the money
`to an account of the company of the E-wallet managing
`server.
`
`[0062] The E-wallet managing server 100 confirms the
`transfer of money for opening a new electronic account (step
`S231). Then the user 150 enters the phone number of his
`mobile communication unit (E-wallet) and password in the
`appropriate box provided by the homepage 120 of the
`E-wallet managing server 100 (step S232).
`
`[0063] Thereafter, the confirmation process in accordance
`with the present invention is followed. Namely, a randomly
`generated confirmation number is transmitted (step S233) to
`a mobile communication unit (E-wallet; 153). Then the user
`enters the confirmation number in the box of the homepage
`120 by referring to a stream of numbers displayed on the
`screen of the user's E-wallet 153 (step S234).
`
`[0064] Finally, the E-wallet managing server 100 trans(cid:173)
`mits an SMS message advising the confirmation for the
`completion of the requested transaction to the E-wallet 153
`of the user (step S235).
`
`[0065] FIG. 2D is a schematic diagram illustrating the
`workflow of opening a new electronic monetary account in
`accordance with a fourth embodiment of the present inven(cid:173)
`tion.
`
`[0066] Referring to FIG. 2D, the fourth embodiment of
`the invention discloses a technique wherein the company for
`mobile communication service sends a bill to the user for the
`electronic money. In the meanwhile, the first embodiment,
`depicted in FIG. 2A, is related to a scheme wherein the
`company of ARS telephone service sends a bill for the
`electronic money.
`
`[0067] Referring to FIG. 2D, the user 150 supplies the
`information about the phone number of his E-wallet 153,
`password, and the requested amount of electronic money to
`the mobile communication service system 170 (step S240).
`
`[0068]
`In this case, the phone number of the user's E-wal(cid:173)
`let does not have to be entered by the user on the keypad
`because the mobile communication unit 153 is distinguish(cid:173)
`able by the company of mobile communication service.
`
`[0069] Thereafter, the E-wallet managing server 100
`transmits a randomly chosen confirmation number to the
`mobile communication unit or the E-wallet 153 through a
`wireless communication network (step S241).
`
`[0070] Referring to the confirmation number displayed on
`the screen of the mobile communication unit or the E-wallet
`153, the user 150 can return the confirmation number to the
`mobile communication service unit 170 in order to complete
`the confirmation loop in accordance with the present inven(cid:173)
`tion.
`
`[0071] Finally, the mobile communication service system
`170 can transmit an SMS message stating the confirmation
`of the service rendered (step S243).
`
`[0072] FIG. 3A is a schematic diagram illustrating the
`workflow of recharging an electronic account in accordance
`with a fifth embodiment of the present invention.
`
`[0073] The fifth embodiment of the present invention
`relates to a technique to recharge a certain amount of money
`to an electronic account while the company of the ARS
`communication service sends a bill corresponding to the
`recharged money later.
`
`TWILIO INC. Ex. 1018 Page 26
`
`

`
`US 2001/0007983 Al
`
`Jul. 12, 2001
`
`4
`
`[0074] The electronic money that the user 1SO has in his
`electronic account can be used for the electronic commerce
`like purchasing in an internet shopping mall and the elec(cid:173)
`tronic account can be recharged with the electronic money
`by several methods depicted in FIGS. 3A to 3D.
`
`[007S] Referring to FIG. 3A, the recharging process in
`accordance with the fifth embodiment of the invention is
`similar to the opening process of a new electronic account
`depicted in FIG. 2A except for the entrance of the E-wallet
`number and the password just for the confirmation because
`the account is already opened.
`
`[0076] Finally, the ARS server 110 can send an SMS
`message to the E-wallet 1S3 for notifying the balance of the
`account or the recharged amount of electronic money (step
`S313).
`
`[0077] FIG. 3B is a schematic diagram illustrating the
`workflow of recharging an electronic account in accordance
`with a sixth embodiment of the present invention.
`
`[0078] Referring to FIG. 3B, the electronic account is
`recharged with electronic money by making payments
`through the conventional credit card or the debit card.
`
`[0079] FIG. 3C is a schematic diagram illustrating the
`workflow of recharging an electronic account in accordance
`with a seventh embodiment of the present invention.
`
`[0080] Referring to FIG. 3C, the electronic account in
`recharged with electronic money by bank transfer, which is
`based on the third embodiment disclosed in FIG. 2C.
`
`[0081] FIG. 3D is a schematic diagram illustrating the
`workflow of recharging an electronic account in accordance
`with an eighth embodiment of the present invention.
`
`[0082] Referring to FIG. 3D, the electronic account is
`recharged with a certain amount of electronic money by
`adding the recharged amount of money to the bill from the
`company of mobile communication service, which is based
`upon the fourth embodiment depicted in FIG. 2D.
`
`[0083] FIG. 4A is a schematic diagram illustrating the
`workflow of transferring a certain amount of electronic
`money to a designated electronic account (target account) in
`accordance with a ninth embodiment of the present inven(cid:173)
`tion.
`
`[0084] Referring to FIG. 4A, the ninth embodiment dis(cid:173)
`closes a technique that is applicable to a case when the
`receiver of the transferred money dose not have an elec(cid:173)
`tronic account at a time of money transfer.
`
`[008S] First of all, a first user (sender; 1SO) enters his
`E-wallet number or the phone number of his mobile com(cid:173)
`munication unit, his password, and the amount of money he
`wants to transfer in the box of the E-wallet managing
`server's homepage 120 (Step S410) on internet.
`
`[0086] Then theE-wallet managing server 100 responds to
`the request of money transfer by advising the first user
`(sender; 1SO) of the balance of account (step S411).
`
`[0087] After examining the current balance of account, the
`sender 1SO enters the E-wallet number of a second user
`(receiver; 9S3) and the amount of money transfer (step
`S412) on the web page of the E-wallet managing server.
`
`[0088] Thereafter, the E-wallet managing server 100
`opens a new electronic account for the receiver (a second
`user) designated by the phone number of the target E-wa