USOO7890371B2
`
`(12) United States Patent
`(10) Patent N0.:
`US 7,890,371 B2
`Chao
`(45) Date of Patent:
`Feb. 15, 2011
`
`(54) NIETI-IOD FOR PROCESSING TRANSACTION
`INFORMATION
`
`7,505,941 B2 '“"
`
`3/2009 Bishop et a1.
`
`................. 705/67
`
`(75)
`
`Inventor: Yuan-Ning Chao, Taipei (TW)
`
`(73) Assignee: Trade-Van Information Services Co.,
`Taipei (TW)
`
`( * ) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 124 days.
`
`(21) App1.No.: 12/128,365
`
`(22)
`
`Filed:
`
`May 28, 2008
`
`(65)
`
`(30)
`
`Prior Publication Data
`US 2008/0306828 A1
`Dec. 11, 2008
`
`Foreign Application Priority Data
`
`May 28, 2007
`
`(TW)
`
`.............................. 96118915 A
`
`(51)
`
`Int. Cl.
`(2006.01)
`G06Q 20/00
`(52) U.S. Cl.
`............................. 705/17; 705/41; 705/44;
`705/64; 235/384; 380/227
`(58) Field of Classification Search ................... 705/17,
`705/41, 44, 64, 67; 235/384, 375, 380/227
`See application file for complete search history.
`
`(56)
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`* cited by examiner
`
`Primary ExamineriVanel Frenel
`(74) Attorney, Agent, 0r FirmiWPAT, P.C.; Anthony King
`
`(57)
`
`ABSTRACT
`
`A method for processing transaction information is provided
`according to the present invention. The method enables bu si-
`ness vender to provide consumers with paperless transaction
`information, e.g. invoice information, via a route mainframe
`and a electronic data interchange platform. The method
`includes providing a mobile electronic device and establish—
`ing an information service platform to connect the electronic
`data interchange platform, for providing the consumers a
`means for payment of bills; when the cash register of the
`business vender receives a request of the payment of bills by
`using the mobile electronic device, having the card reader to
`access balance ofthe electronic purse ofthe mobile electronic
`device; judging Whether the balance of the electronic purse is
`enough for the payment ofbills, ifnot, prohibiting the mobile
`electronic device from proceeding to the payment ofbills, and
`terminating the transaction information process; if yes, then
`having the mobile electronic device proceed to the payment
`ofbills and allowing the cash register to transmit, via the route
`mainframe and the electronic data interchange platform,
`transaction information received to the information service
`platform for saving: and transmitting at least a part of the
`transaction information to the mobile electronic device by the
`information service platform.
`
`7,213,742 B1 "‘
`
`5/2007 Birch et a1.
`
`................. 235/375
`
`13 Claims, 5 Drawing Sheets
`
`20
`
`J
`
`21
`22
`
`
`
`
`cash register of
`busmess vender
`
`
`
`
`
`route
`
`mainframe
`
`electronic data
`
`interchange platform
`
`
`
`
`
`200
`
`
`card reader
`
`
`
`24
`
`
`
`
`information service
`
`platform
`
`
`
`
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`US. Patent
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`Feb. 15, 2011
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`Sheet 1 0f 5
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`US 7,890,371 B2
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`$32,$853
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`882$5388
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`
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`US. Patent
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`Feb. 15, 2011
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`Sheet 2 0f5
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`US 7,890,371 B2
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`
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`24
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`22
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`
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`
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`/\/electronicdatainterchangeplatform A
`
` informationservice
`
`
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`platform
`
`
`
`
`
`/\/
`
`route
`
`
`mainframe ii FIG.2
`
`
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`21
`
`2O
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` 200
`
`
`/\/ cash
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`registerofbusinessvender
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`cardreader
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`US. Patent
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`Feb. 15, 2011
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`Sheet 3 0f5
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`US 7,890,371 B2
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`start
`
`
`*
`*
`
`81
`
`
`
`32
`
`establishing an information service
`platform connecting with an electronic
`data interchange platform network, and
`also connecting cash register of
`business vender with a card reader
`
`
`
`
`
`
`
`
`
`consumer applies for a mobile
`electronic device with built-in
`SIM card that has RFlD and
`electronic purse
`
`
`
`
`
`
`
`
`l:
`/%g if am<
`
`S3
`
`l’lO
`
`
`
`register of business vendor receives a
`
`request of paying bill by mobile
`
`electronic device
`
` S4
`
`
`
`
`
`commanding, by the cash register of business vender, the
`card reader to access balance of electronic purse of the
`mobile electronic device, and then charging for the
`expenditure amount according to the accessed balance
`
`A s5
`%balance of the\/\/
`HO monk purse of the mobile electronic\
`
`
`device is enough for paying the
`expenditure amount
`
`
`
`
`
` >
`commanding the mob'le electronic device
`/\/S7
`
`
`
`
`
`S8
`
`
`charging the electronic purse for the expenditure
`rejecting the mobile
`amount, and also transmitting expenditure
`electronic dE‘VlC-e for
`information received by the cash register to the
`paying bill
`information seiyice platform for saving, and also
`transmitting at least part of the expenditure
`information to the mobile electronic device
`
`
`
`86
`
`
`
`to save information transmitted from the
`
`information service platform
`
`end
`
`FIG. 3
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`US. Patent
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`Feb. 15, 2011
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`Sheet 4 0f 5
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`US 7,890,371 B2
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`mm
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`US. Patent
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`Feb. 15, 2011
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`Sheet 5 0f 5
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`US 7,890,371 B2
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`
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`$20
`810
`t
`t
`,/
`¥’\
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`memory
`
`card comprising RFID
`and electronic purse
`
`platform connecting with an electronic
`data interchange platform network, and
`also connecting a ca sh register of
`business vender with a card reader
`
`
`
`
` establishing an information service
` a consumer applies for a
`
`
` S30
` / judging if the cash K
`no
`\register of business vender receives a
`request of paying bill by the /—
`WOW card
`S40
`,/
`yes
`
`
`
` commanding, by the cash register of business vender,
`
`the card reader to access balance of electronic purse of
`the memory card, and then charging for the expenditure
`amount according to the accessed balance
`
`J
`/ifthe balance of the \K
`1’10
`electronic purse of the memory card is
`
`
`enough for paying the expenditur
`amount
`
`
`
`
`
`
`commanding the memory card to save
`information transmitted from the
`information service platform
`
`
`S70
`/\/
`
`
`
`
`S80
`
`
`rejecting the memory
`
`card for paying bill
`
`charging the electronic purse for the expenditure
`amount, and transmitting expenditure information
`received by the cash register to the information
`service platform for saving, and also transmitting
`at least part of the expenditure information to the
`memory card
`
`
`
`
`
`end
`
`FIG. 5
`
`
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`US 7,890,371 B2
`
`1
`METHOD FOR PROCESSING TRANSACTION
`INFORMATION
`
`
`
`BACKGROUND OF THE INVENTION
`
`2
`frame and an electronic data interchange platform, transac—
`tion information received by cash register connecting a card
`reader in transmitted to the consumers. The method for pro-
`cessing transaction information comprises the following
`steps: providing a mobile electronic device and establishing
`an information service platform to connect the electronic data
`interchange platform, wherein the mobile electronic device
`has a built—in Subscriber Identity Module (SIM) card with a
`contactless Radio Frequency Identification (RFID) and an
`electronic purse for providing the consumer with a means of
`payment of bills, and the information service platform is for
`saving the transaction information sent from the cash register
`at the business vender’ 5 side via the route mainframe and the
`
`electronic data interchange platform, and for establishing a
`message transmission channel with the mobile electronic
`device via a wireless transmission processing apparatus; hav-
`ing the card reader access the electronic purse of the mobile
`electronic device to obtain a balance thereof, when the cash
`register at the business vender’s side receives a request of
`payment of bills by the mobile electronic device; judging
`whether the balance of the electronic purse is enough for
`payment of bills, if not, prohibiting the mobile electronic
`device from proceeding to the payment ofbills, and terminat-
`ing the processing of the transaction information. ifyes, hav—
`ing the mobile electronic device proceed to the payment of
`bills, and allowing the cash register to send, via the route
`mainframe and the electronic data interchange platform, the
`transaction information received to the information service
`platform for saving; followed by allowing the information
`service platform to send out at least a part of the transaction
`information to the mobile electronic device via the wireless
`transmission processing apparatus, and then terminating the
`processing of the transaction.
`Furthermore, another embodiment of the method of the
`present
`invention for processing transaction information
`comprises the following steps: providing a memory card and
`establishing an information service platform to connect the
`electronic data interchange platform, wherein the memory
`card has a contactless Radio Frequency Identification (RFID)
`and an electronic purse for providing the consumer with a
`means for payment of bills, and the information service plat-
`form is configured for saving the transaction information sent
`from the cash register at the business vender’s side via route
`mainframe and electronic data interchange platform; having
`the card reader access the electronic purse ofthe memory card
`to obtain a balance thereof, when the cash register receives a
`request for the payment of bills by the memory card; judging
`whether the balance of the electronic purse is enough for the
`payment of bills, if not, prohibiting the memory card from
`proceeding to the payment of bills and terminating the pro-
`cessing of the transaction information; if yes, having the
`memory card proceed to the payment of bills, and allowing
`the cash register to transmit, via the route mainframe and the
`electronic data interchange platform, the transaction inorma-
`tion to the information service platform for saving, fo lowed
`by allowing the cash register to transmit at least a part of the
`transaction information to the memory card for saving, and
`finally terminating the processing of the transaction inorma-
`tion.
`
`
`
`transaction information of
`Compared with traditional
`paper invoice, the method of the present invention for pro-
`cessing transaction information enables business venders to
`
`1. Field of the Invention
`This invention generally relates to methods for processing
`transaction information, and more specifically, to a method
`for processing transaction information for enabling business
`venders to provide consumers with paperless transaction
`information.
`2. Description of Related Art
`Modern information communication speed has been
`enhanced dramatically due to prosperous development in
`computer and related network technology, and further pro-
`moting convenience of
`information transmission. For
`instance, the way electronic commerce carries out business
`transactions via computer network has completely changed
`the operation mode of global business.
`The most common business-to-business electronic com-
`merce is, for instance, electronic invoice platform retailer and
`business vender; as shown in FIG. 1, the retailer is, e.g.
`supermarket, wholesaler, convenience store, or others, while
`the business vender can be, e.g. product manufacturer, prod—
`uct importer, or others; when the retailer has a transaction '
`demand, a retailer computer system 10 transmits an electronic
`order to a business vender computer system 13 via a route
`mainframe 11, e. g. a network apparatus, and an electronic
`data interchange (EDI) platform 12, thereby enabling the
`business vender to generate an electronic invoice correspond-
`ing to received electronic order, and then the business vender
`computer system 13 transmits the generated electronic
`invoice to the retailer computer system 12 via the EDI plat-
`form 12 and the route mainframe 11; accordingly, paperless
`invoice information is able to be transmitted business to busi—
`ness Via the electronic invoice platform, thereby reducing cost
`of paper, fax, manpower, and time.
`Since most invoices are issued according to transaction
`behavior of consumers, for instance, there are about eighty
`hundred million invoices issued to consumers armually in
`Taiwan vicinity, and the vast invoice amount cannot take
`advantage of foresaid electronic invoice platform, therefore,
`consumers cannot be provided with paperless invoices.
`In View of the above, it is a highly urgent issue in industry
`of the business-to-customer electronic commerce how to
`enable the business to provide paperless transaction inforrna—
`tion to the customer.
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`SUMMARY OF THE INVENTION
`
`In view of the disadvantages of the prior art mentioned
`above, it is a primary objective of the present invention to
`provide a method for processing transaction information,
`thereby enabling business venders to provide paperless trans—
`action information to consumers, e.g. invoice information,
`and further lowering consumption of paper, manpower, and
`time for printing the transaction information.
`It is another objective of the present invention to provide a
`method for processing transaction information,
`thereby
`enabling consumers to effectively and conveniently manage
`transaction information generated from transaction behavior.
`To achieve the aforementioned and other objectives, a
`method for processing transaction information is provided
`according to the present invention; the method for processing
`transaction information is used for enabling business venders
`to provide consumers with paperless transaction information,
`e.g. invoice information, in a manner that, via a route main-
`
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`US 7,890,371 B2
`
`3
`provide consumers with electronic transaction information,
`so as to achieve objective ofpaperless transaction information
`process.
`
`BRIEF DESCRIPTION OF DRAWINGS
`
`
`
`Tie present invention can be more fully understood by
`reading the following detailed description of the preferred
`embodiments, with reference made to the accompanying
`drawings, wherein:
`F G. 1 is diagram illustrating a prior schematic architecture
`of business-to-business electronic invoice platform;
`F G. 2 is a diagram depicting a schematic architecture of a
`first embodiment of implementing method of the present
`invention for processing transaction information;
`F G. 3 is an operational flowchart depicting the first
`embodiment of the method of the present invention for pro—
`cessing transaction information;
`F G. 4 is a diagram depicting a schematic architecture of a
`second embodiment of implementing the method of the
`present invention for processing transaction information; and
`F G. 5 is an operational flowchart depicting the second
`embodiment of the method of the present invention for pro-
`ces sing transaction information.
`
`DETAILED DESCRIPTION OF PREFERRED
`EMBODIMENTS
`
`The following illustrative embodiments are provided to
`illustrate the disclosure of the present invention; those in the
`art can apparently understand these and other advantages and
`effects after reading the disclosure of this specification. The
`present invention can also be performed or applied by other
`different embodiments. The details of the specification may
`be on the basis of different points and applications, and
`numerous modifications and variations can be devised with-
`out departing from the spirit of the present invention.
`Please refer to FIG. 2, which is a diagram depicting a
`schematic architecture ofa first embodiment of implementing
`the method ofthe present invention for proces sing transaction
`information; as shown in the FIG, to implement the first
`embodiment of the method of the present invention for pro-
`cessing transaction information, at least the following ele-
`ments are required: a cash register at a business vender’s side
`20, a card reader 200, a route mainframe 21, an electronic data
`
`interchange (EDI) platform 22, an information service plat—
`form 24, a wireless transmission processing apparatus 25, and
`a mobile electronic device 4, wherein the cash register 20, the
`card reader 200, the route mainframe 21, the EDI platform 22,
`and the mobile electronic device 4 are essential hardware
`elements for implementing an established mobile payment
`mechanism of newly-target Near Field Communication
`(NFC) chip in the current market, and in order to simplify
`description and illustration, no detailed descriptions of archi-
`tccturc and operation of these said hardware elements are to
`be given hereafter. Followed are only descriptions of hard—
`ware elements related to implementation ofthe method ofthe
`present invention for processing transaction information.
`The method of the present invention for processing trans—
`action information is for enabling the business venders to
`provide consumers with paperless transaction information,
`e.g. invoice information, in addition to the mobile payment
`mechanism. It has to establish an information service plat-
`form 24 to connect the electronic data interchange platfonn
`22, allowing the information service platform 24 to establish
`a message transmission channel with the mobile electronic
`device 4 via the wireless transmission processing apparatus
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`25. Therefore, when the cash register 20 accepts electronic
`purse provided by the mobile electronic device 4 to pay bills,
`the cash register at the business vender’s side 20 is made to
`transmit, via the route mainframe 21 and the electronic data
`interchange platform 22, transaction information received to
`the information service platform 24, and then the information
`service platform 24 saves the transaction information. The
`transaction information includes related messages of, e.g.
`invoice number, transaction date, transaction time, location
`where transaction is made, store name where transaction is
`made, transaction items, transaction amount, and so on. In
`addition, the transaction information can be one of various
`combinations or a part of messages; in other words, a com—
`bination of the transaction information depends on content
`demand for consumers. If this allows the consumer or busi-
`ness venders to be able to inquire messages related to trans-
`action information via the information service platform 24.
`Besides, after having saved the transaction information, the
`information transaction platform 24 transmits at lea st a part of
`the transaction information to the mobile electronic device 4
`via the wireless transmission processing apparatus 25. In
`another embodiment, after the at least a part ofthe transaction
`information, such as invoice information, has been transmit—
`ted to the mobile electronic device 4, whether the mobile
`electronic device 4 is to save the at least a part of the trans—
`action information, is determined according to the predeter-
`mined storage setting of the mobile electronic device 4.
`By implementing the method of the present invention for
`processing transaction information, a business vender has no
`need of providing consumers with traditional paper invoice,
`thereby achieving objective of paperless process of transac-
`tion information. Referring to FIG. 2, the mobile electronic
`device 4 is a mobile phone and the wireless transmission
`processing apparatus 25 is a Global System for Mobile
`(GSM), thereby enabling the information service platform 24
`to transmit the at least a part of the transaction information to
`the mobile phone by means of text message via the Global
`System for Mobile. However. it has to be noted that system
`elements for implementing the method of the present inven-
`tion for processing transaction information are not restricted
`to as stated herein. That is to say that an applicable systematic
`architecture depends on a practical implementation mode.
`Furthermore, in order to prevent the transaction informa-
`tion from taking up too much memory space of the mobile
`electronic device 4, the information service platform 24 is
`capable of simply transmitting messages of the invoice num—
`ber and the transaction amount ofthe transaction infomiation
`to the mobile electronic device 4. Since invoice number and
`transaction amount take less storage space, they accordingly
`do not take up too much of memory space of the mobile
`electronic device 4. However, it should also be noted that the
`transaction information to be saved in the mobile electronic
`device 4 is not restricted as stated herein; the mobile elec-
`tronic device 4 can also simply save invoice numbers of the
`transaction information. The memory unit ofthe mobile elec-
`tronic device 4 can be, for instance, a SIM card or a built-in
`memory. At the time that a consumer has any inquiry for more
`detailed transaction information, the consumer can resort to
`the information service platform 24 for further inquiry, e.g.
`inquiring invoice message.
`Please refer to FIG. 3, which is an operational flowchart
`depicting the first embodiment of the method of the present
`invention for processing transaction information. As shown in
`the drawing, the method of the present invention may either
`proceed from step 31 or step S2. Ifstep $1 is to be started first,
`a consumer has to first apply for a mobile electronic device
`having a built-in Subscriber Identity Module (SIM) card com-
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`US 7,890,371 B2
`
`5
`prising a contactless Radio Frequency Identification (RFID)
`and an electronic purse. The electronic purse provided by the
`mobile electronic device allows the consumer to implement
`the payment ofbills. Then, proceeding to step S3.
`lf step S2 is to proceed first, an information service plat-
`form is established to connect the electronic data interchange
`platform network for saving the transaction information sent
`from the cash register at a business vender’s side via the route
`mainframe and the electronic data interchange platform. Fur-
`ther, the information service platform is allowed to establish
`a message transmission channel with the mobile electronic
`device via the wireless transmission processing apparatus. In
`addition, the cash register at the business vender’ 5 side is to be
`connected with a card reader. Then, proceeding to step S3.
`In step S3, the cash register at the business vender’s side
`judges whether a request for the payment ofbills is received
`by a mobile electronic device; ifno, step S3 is repeated; ifyes,
`step S4 is to he proceeded.
`In step S4, the card reader connected to the cash register at
`the business vender’s side is ordered by the cash register to
`access the electronic purse ofthe mobile electronic device so
`as to obtained a balance of the electronic purse. Then, pro—
`ceeding to step SS.
`In step S5, the cash register at the business vender’s side
`judges whether the obtained balance ofthe electronic purse of
`the mobile electronic device is enough for the payment of
`bills. If no, the method proceeds to step SS; if yes, then the
`method proceeds to step $6.
`In step S6, the mobile electronic device proceeds to the
`payment of bills by charging the transaction amotmt of the
`bills to the electronic purse. It in turn makes the cash register
`transmit received transaction infonnation, via the route ma in-
`frame and the electronic data interchange platform, to the
`information service platform for saving; the information ser—
`vice platform is also allowed to transmit at least a part of the
`transaction information to the mobile electronic device via
`the wireless transmission processing apparatus. The at least a
`part of the transaction information is a message of an invoice
`number. a transaction date, a transaction time. a location
`where the transaction is made, a store name where the trans-
`action is made, a transaction item, a transaction amount and
`so on. The content ofthe message can be preset according to
`the memory size provided by the mobile electronic device; in
`other words, transmission ofthe demanded message depends
`on the implementation mode. Then, proceeding to step S7.
`In step S7, the mobile electronic device saves information
`transmitted from the information service platform, and then
`terminating the processing of the transaction information. In
`another embodiment, after the at least a part ofthe transaction
`information has been transmitted to the mobile electronic
`device, whether the at least a part of the transaction informa-
`tion is to be saved in the mobile electronic device, is deter-
`mined according to a predetermined storage setting of the
`mobile electronic device. In other words, the mobile elec-
`tronic device is capable of deciding whether to save the at
`least a part of the transaction information. In practice, the
`consumer of the mobile electronic device is allowed to set up
`the mobile electronic device for deciding if the transaction
`information is to be saved. Accordingly, with electronic trans—
`action information provided by the business vender and set—
`ting of the mobile electronic device for deciding whether to
`save transaction information, the consumer is provided with a
`more eficicient means ofmanaging personal transaction infor-
`mation, such as invoice mes sage or transaction amount.
`In step SS, since the cash register at the business vender’s
`side has judged that the balance ofthe electronic purse of the
`mobile electronic device is not enough for the payment of
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`bills, the mobile electronic device is prohibited from proceed—
`ing to the payment of bills, and the processing of the transac-
`tion information is accordingly terminated.
`Please refer to FIG. 4. which is a diagram depicting a
`schematic architecture of a second embodiment of imple-
`menting the method of the present invention for processing
`transaction information. As shown in the drawing, to imple-
`ment the second embodiment of the method of the present
`invention for processing transaction information: a cash reg-
`ister at a business vender’s side 30, a card reader 300, a route
`mainframe 31, an electronic data interchange (EDI) platform
`32, an information service platfoml 34, and a memory card 5
`are required. The memory card 5 can be, e. g. a stored value
`card. a bank card, a credit card, or a micro mobile payment
`(MMP) purse card. Further, the cash register 30, the card
`reader 300 connected to the cash register 30, the route main-
`frame 31, the EDI platform 32, and the memory card 5 are
`essential hardware elements for implementing an established
`micro mobile payment mechanism of 18014443 standard
`card in the current market. In order to simplify description
`and illustration, no detailed descriptions of architecture and
`operation of these hardware elements are to be given hereaf—
`ter. Followed are only descriptions of hardware elements
`related to implementation of the method ofthe present inven—
`tion for processing transaction information.
`The method for processing transaction information of the
`present embodiment is used for enabling business venders to
`provide consumers with paperless transaction information. In
`addition to the requirement for the establishment of micro
`mobile payment mechanism of 18014443 standard card, the
`method has to establish an information service platform 34 to
`connect the electronic data interchange platform 32. By such,
`when the cash register 30 accepts the electronic purse pro-
`vided by the memory card 5 from a consumer for the payment
`of bills, the cash register 30 transmits received transaction
`information, via the route mainframe 31 and the electronic
`data interchange platform 32, to the information service plat—
`form 24, and the information service platform 24 saves the
`transaction information, wherein the transaction information
`includes messages e. g. invoice numbers, a transaction date, a
`transaction time, a location Where the transaction is made, a
`store name Where the transaction is made, a transaction item,
`a transaction amount, and so on. Different transaction infor-
`mation can be formed by combinations of the messages; in
`other words, different messages can be collected and com-
`bined according to the demand for the content of the transac—
`tion information. Therefore, consumers or business venders
`are able to inquire messages related to the transaction infor—
`mation via the information service platform 24. Furthermore,
`after the cash register at the business vendor’s side 30 accepts
`the consumers to pay bills by using the electronic purse pro-
`vided by the memory card 5, the cash register 30 writes at
`least a part of the received transaction infonnation to the
`memory card 5 via the card reader 300. Accordingly, the
`method for processing transaction information is used for
`enabling business venders to provide consumers with paper-
`less
`transaction information Without
`traditional paper
`invoices, thereby achieving objective ofpaperless transaction
`information process.
`The same reason as that in the first embodiment. In order to
`prevent the transaction information from taking up too much
`memory space of the memory card 5, the cash register can
`only transmit the messages of the invoice number and the
`transaction amount to the memory card 5 for saving since they
`do not take up too much memory 5pace ofthe memory card 5.
`However, it should be noted that the transaction information
`to be saved in the memory card 5 is not limited to those as
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`GOOG-1019
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`GOOG-1019
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`US 7,890,371 B2
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`stated herein. The memory card 5 can also simply save the
`invoice number of the transaction information. If a consumer
`has any inquiry for more detailed transaction information, the
`consumer can go to the information service platform 34 for
`further inquiry.
`Please refer to FIG. 5, which is an operational flowchart
`depicting the second embodiment of the method of the
`present invention for processing transaction information. As
`shown in the drawing, the method of the present invention
`may either proceed from step 810 or step 820. If step 810 is
`to be started first, a consumer has to first apply for a memory
`card having a contactless Radio Frequency Identification
`(RFID) and an electronic purse. The electronic purse pro—
`vided by the mobile electronic device allows the consumer to
`implement the payment of bills. Then, proceeding to step
`S30. If step S20 is to proceed first, an information service
`platform is established to connect the electronic data inter-
`change platform network for saving the transaction informa-
`tion sent from the cash register at a business vender’s side via
`the route mainframe and the electronic data interchange plat-
`form. In addition, the cash register at the business vender’s
`side is to be comiected with a card reader. Then, proceeding to
`step S30.
`In step S30, the cash register at the business vender’s side
`judges whether a request for the payment of bills is received '
`by a mobile electronic device; if no, step S30 is repeated: if
`yes, step S40 is to be proceeded.
`In step S40, the card reader connected to the cash register at
`the business vender’s side is ordered by the cash register to
`access the electronic purse of the memory card so as to
`obtained a balance of the electronic purse. Then, proceeding
`to step 850.
`In step 850, the cash register at the business vender’s side
`judges whether the obtained balance ofthe electronic purse of
`the memory card is enough for the payment ofbills. Ifno, the
`method proceeds to step 88; if yes, then the method proceeds
`to step S60.
`In step S60, the memory card proceeds to the payment of
`bills by charging the transaction amount of the bills to the
`electronic purse. It in turn makes the cash register transmit
`received transaction infonnation, via the route mainframe
`and the electronic data interchange platform, to the informa-
`tion service platform for saving, and at least a part ofthe cash
`register transmit received transaction information is transmit-
`ted to the memory card via the card reader. Then, proceeding
`to step S70.
`In step S70, the memory card saves at least a part of the
`transaction information, and then terminating the processing
`of the transaction information.
`In step 880, since the cash register at the business vender’s
`side has j udged that the balance of the electronic purse of the
`memory card is not enough for the payment of bills, the
`memory card is prohibited from proc