Electronic money, method of producing electronic money and transaction method using electronic money

摘要

The present invention is directed to a computer readable medium comprising a monetary value indication and a device unique ID (DU-ID) identifying a personal mobile device. The electronic cash token may be generated by receiving an electronic cash-in request comprising a monetary value, a user identification and a DU-ID; generating an electronic cash-in token comprising the monetary value, the user identification and the DU-ID and sending the electronic cash-in token to the personal computing device associated with the DU-ID; receiving a cash-in confirmation comprising the monetary value received, the user identification, the DU-ID and a payee identifier; encoding the monetary value, user ID and the DU-ID as an electronic cash token; and sending the electronic cash token to the personal computing device associated with the DU-ID.