METHODS AND SYSTEMS FOR TRANSFERRING ELECTRONIC MONEY

摘要

Methods and systems for transferring electronic money from a first mobile device of a first user to a receiver are provided. The method performed on the first mobile device includes the steps of: receiving, from the first user, an input representing an amount of electronic money to be transferred from a first electronic purse holding electronic money and associated with the first mobile device; generating, by means of a secure element associated with the first mobile device, an encrypted token representing the amount of electronic money to be transferred, the encrypted token including a unique identifier of the first electronic purse; decrementing an available balance in the first electronic purse by the amount of electronic money to be transferred; and transmitting the encrypted token to the receiver.