Process and device for electronic payments by means of mobile communication devices

摘要

The method involves transferring electronically stored credit via a communications network with a first mobile device that manages a first account, especially a pre-paid telephone service account and a central device that manages a second account. It involves transferring credits between the first and second accounts and to further accounts accessible via the network using the mobile user device. AN Independent claim is also included for the following: a user device, especially a terminal, in a network for managing an account and software for a mobile terminal.