WO2000033264A1

WO2000033264A1 - Method and system for charging or recharging an account with a value corresponding to a sum of money

Info

Publication number: WO2000033264A1
Application number: PCT/CH1998/000511
Authority: WO
Inventors: Andreas Martschitsch
Original assignee: Swisscom Ag
Priority date: 1998-12-02
Filing date: 1998-12-02
Publication date: 2000-06-08
Also published as: AU1222499A

Abstract

The invention relates to a method and a suitable reload system (6) for charging or recharging an account in a networked prepaid system and/or an SIM card (11) for a mobile telephone with a value corresponding to a sum of money. According to the invention said value corresponding to a sum of money is stored in a memory (12, 66) belonging to the account or a value stored in the memory (12, 66) is increased by said value corresponding to a sum of money. The mobile telephone (1) user sends out a USSD service message (9, 91) comprising a service code (92) for identifying a money charging service and a secret security number (93). The USSD service message (9, 91) is transmitted via the home location register (3) of the user to the reload system (6), where the security number (93) is then validated. A value corresponding to a sum of money to be charged or recharged and corresponding to the positively validated security number (93) is determined, the corresponding security number is deactivated and the value concerned is credited to the account, for example by transmission of the defined value corresponding to a sum of money from a short-message service centre (7) to the SIM card by means of a SMS short message which is sent via a GSM or UMTS mobile telephone network.

Description

Method and system for loading or reloading an account with a monetary value

The present invention relates to a method and a system for topping up or reloading an account with a monetary value, in particular it relates to a method and a system for topping up or reloading an account with a monetary value, the monetary value being stored in a memory associated with said account or a value stored in this memory is increased by the monetary value.

The published patent application EP 827 119 A1 describes a method for loading or reloading a data carrier card with a monetary value. According to the method described in EP 827 119 A1, the sales value of a value card available at a large number of points of sale is reloaded or loaded onto a specific data carrier card, in particular a SIM card, after a code on this value card has been transmitted to a service center . This code is located under a cover and can be uncovered by scraping away the covering layer. After calling a certain service number, the code is typed into the mobile phone under the guidance of a voice server of this service center and transmitted to this service center. The participant's identification code is also transmitted, either automatically from the participant's SIM card or also by typing in under the guidance of the voice server. As an alternative, EP 827 119 A1 mentions that instead of entering the data by means of the service number, a short message according to the GSM standard can be used. The transmitted code of the prepaid card is checked in the service center in a database in which all codes and the associated monetary amounts for which prepaid cards have ever been stored are stored. If the typed and transmitted code is found in the database, a short message service (SMS) short message is prepared, which contains the identification code of the subscriber and the monetary value, and is stored in a short message service center. In the database, the code of the prepaid card with the assigned monetary value is marked as used or deleted. If the data carrier card, for example the SIM card, is in a communication cation device and a connection to the communication network is established, the data card to be loaded or reloaded is loaded or reloaded with the monetary value using the prepared SMS short message. The method described in EP 827 119 A1 thus allows a user to have a monetary value loaded directly onto his SIM card, but the procedure described is often perceived as tedious and tedious by the users concerned, since many menu steps have to be followed and numerous numbers have to be typed in, to send a short SMS message. In addition, this method generally cannot be used by a user roaming in a Visited Public Land Mobile Network (VPLMN), since outgoing calls in a VPLMN are typically blocked. Finally, it should also be mentioned that the method described in EP 827 119 A1 results in transmission costs which are generally charged to the user concerned.

It is an object of this invention to propose a new and better method and system for loading or reloading an account with a monetary value.

According to the present invention, this goal is achieved in particular by the elements of the independent claims. Further advantageous embodiments also emerge from the dependent claims and the description.

In particular, these objectives are achieved by the invention in that a user of a mobile radio device, for example a mobile radio telephone for a GSM or a UMTS mobile network, uses this mobile radio device to send an unstructured supplementary service data (USSD) service message which contains a service code for identifying a cash loading service as well as a secret value number, wherein this USSD service message is routed from the signaling system of the mobile network, for example a CCITT signaling system number 7 (SS7), to the home location register (HLR) of the named user, from where it is reloaded System is forwarded. An advantage of sending a money loading service order by means of a USSD service message, for example in the standard GSM 02.90 for Unstructured Supplementary Service Data (USSD) defined by the European Telecommunications Standards Institute (ETSI) is that this is very user-friendly because it is very easy for a user to write and send a USSD service report, for example much easier than one Short SMS message. In addition, USSD service messages from a user roaming in a VPLMN can be automatically forwarded from this VPLMN via the signaling system to the HLR of this user, even if outgoing calls and / or short SMS messages are blocked for the user in the VPLMN. By forwarding a USSD service message with a money loading service order to the reload system via the HLR of the user who sent the USSD service message, conventional services of the signaling system of a named mobile network can be used to deliver money loading service orders from this user, in particular also from one Visited Public Land Mobile Network (VPLMN) to forward to the reload system. Another advantage is that a USSD service report can be transmitted quickly and free of charge, since the USSD service report is forwarded via the signaling system. In the reload system, the value number is taken from the USSD service message and validated by checking whether it is entered in a database and is still valid. Then, in the reload system, a monetary value to be loaded or reloaded is determined for transfer to the named account by taking this monetary value from the named database, where it is assigned to the positively validated named value number. A positively validated value number is deactivated in the reload system, for example by deleting it or marking it as deactivated.

When the account is loaded or reloaded with the specific monetary value, the monetary value is stored in a memory belonging to the named account or a value stored in this memory is increased by the monetary value.

In a preferred embodiment variant, said memory is located in a data carrier card, in particular a SIM card in said mobile radio device. For reloading or reloading the SIM card, the reload system, for example, prepares a short message service (SMS) short message that contains an identification of the user and the monetary value, and forwards it to a short message for transmission to the user's SIM card - service center. In another example, the monetary value is transferred to the SIM card of the user concerned by means of a USSD service message.

The determined monetary value is preferably credited to an account in a database of the reload system mentioned, this account being determined either by a user identification of the user who transmitted the USSD service message by means of a mobile radio device and by the SIM card in this mobile radio device is identified, or this account is determined by a user identification which is additionally and optionally also transmitted in the USSD service message, for example an MSISDN number. This optional transmission of an additional user identification has the advantage that a relevant monetary value can be credited to the account of a specific user.

The reload system preferably also has a buffer memory in which it can temporarily store received USSD service messages with a service code that identifies a cash loading service, or the data contained in these USSD service messages. The intermediate storage in the buffer memory has the advantage that money loading service orders can be buffered in the reload system if, for example, the reload system or components required by it are temporarily overloaded, which can prevent such orders from remaining unfinished or having to be rejected .

In a preferred embodiment variant, the reload system receives the USSD service message from the home location register by means of a MAP interface (MAP = Mobile Application Part). Thanks to such a MAP interface, the reload system can use the MAP Communicate messages with the HLR, i.e. the HLR does not have to be adjusted in this regard.

In a preferred embodiment variant, the value number for transmission in a so-called USSD service message is taken from a prepaid value card, for example a value card that is available at many public sales outlets and that hides the secret value number under a cover that must be removed by the user.

The USSD service messages in the reload system are preferably filtered on the basis of their service codes, so that only those USSD service messages are forwarded in the reload system which are one

Include service code that identifies a cash loading service, whereby USSD service messages with other service codes can be forwarded, for example, to other corresponding processing modules.

In a preferred embodiment variant, error messages are transmitted to the user, for example by means of USSD service messages and / or short SMS messages, if the relevant value number cannot be validated positively.

In a preferred embodiment variant, the data carrier card of the user, in particular a SIM card, which is equipped with a memory in which a monetary value is stored, has additional programmed means for writing a USSD service message, in particular a USSD service message, which comprises a service code which identifies a cash loading service and which comprises a secret value number, and in order to send out this USSD service message by means of the mobile radio device.

An embodiment of the present invention is described below using an example. The example of the execution is illustrated by the following enclosed figures: FIG. 1 shows a block diagram with a mobile radio device, a mobile network and a reload system which is connected to a home location register and a short message service center, both of which are connected to the mobile network.

FIG. 2 shows an example of a USSD service report with a

Service code and a secret value number as well as an example of a USSD service message, which also contains a user identification.

The reference symbol 1 in FIG. 1 relates to a mobile device, for example a mobile radio telephone for a GSM or a UMTS mobile network, with a data carrier card 11, for example a SIM card 11, with a memory 12 in which a monetary value is stored. A user who wants to top up or reload the memory 12 on the SIM card 11 and / or an account in a prepaid system with a monetary value can, for example, use the input means 14 of the mobile radio device 1 to program 15 on the SIM card 11 start. The program 15 prompts the user via the display 13 of the mobile radio device 11 to enter a secret value number using the input means 14 of the mobile radio device 1. The user can obtain such a value number from a value card, which he can purchase for example at a kiosk, a post office counter or at another public point of sale for a fee. On such a value card, the value number is hidden, for example, by a cover that the user can remove, for example by scratching it away. The value number entered by the user is received by program 15 and inserted into an unstructured supplementary service data (USSD) service message.

In FIG. 2, reference numeral 9 relates to an example of a USSD service message, as can be written by the above-mentioned program 15. Reading from left to right, the first character is a *, which is followed by a three-digit service code 92. According to the GSM 02.90 standard for Unstructured Supplementary Service Data (USSD) from

European Telecommunications Standards Institute (ETSI) the service code preferably has a value in the range of 100 to 149, which has the consequence that such a USSD service message is routed from a visited network (Visited Public Land Mobile Network, VPLMN) directly to the home network, HPLMN (Home Public Land Mobile Network). If such a USSD service message is received by a participating user in the home network, the home network can, according to GSM 02.90, decide whether this USSD service message should be handled locally or in the Home Location Register (HLR) 3. The program 15 thus automatically inserts the service code, for example defined by the operator of the HPLMN in question, for identifying a cash loading service, preferably in the range between 100 and 149. After this service code 92, the program 15 inserts a further ^* character, onto which the user accepts Value number 93 follows. The USSD service message 9 is terminated with a # sign and sent by the program 15 using the mobile radio device 1 in the mobile network 2, for example a GSM or a UMTS mobile network. In this embodiment variant, the user merely has to press a key on the input means 14 to start the program 15 and enter the value number using the input means 14. Advantageously, the program 15 can also be started automatically when there is no longer any positive monetary value stored on the SIM card 11, so that the user only has to enter the value number. In an alternative variant, the user can set up the USSD service message 9 himself without the help of the program 15 by entering a * character, entering the service code 92 for identifying a cash loading service, entering a further * character, entering the value number 93 and concludes the message with the # symbol and sends it to the mobile network 2, for example a GSM or a UMTS mobile network, with SEND. The latter variant has the advantage that no special program 15 has to be loaded onto the SIM card 11, but it has the disadvantage that the user has to type in more data and know the service code 92 in order to identify a cash loading service.

The reference numeral 91 in FIG. 2 relates to an example of a USSD service message, which is structured as above, but which additionally also includes a user identification 94, for example an MSISDN number, which the user additionally enters, similarly as described above can. The further use of this user identification 94 will be described later. As mentioned above, the described USSD service message 9, 91 is forwarded directly to the HPLMN when it is sent out in a VPLMN. In addition, as mentioned above, the person skilled in the art can define the HPLMN in such a way that USSD service messages 9, 91 with the service code 92 are passed directly to the HLR 3 in order to identify a cash loading service. Such a transmitted USSD service message 9, 91 is automatically forwarded to the HLR 3 of the user via the signaling system of the mobile network, for example a signaling system number 7 (SS7).

The reload system 6 surrounded by the dashed line comprises a receiving module 61, preferably a MAP interface 61, which, as indicated by the arrow 36, transmits the USSD service message 9, 91 from the HLR 3 described above by means of messages from the Mobile Application Part ( MAP) can accept. The MAP interface 61 is implemented, for example, by a person skilled in the art on a server as an interworking device which comprises conventional hardware and software components in order to receive MAP messages from the HLR 3, for example via an SS7 signaling system. The interworking device 61 can forward the USSD service messages 9, 91 received in MAP messages, as indicated by the arrow 618, for example via a TCP / IP connection within the reload system 6.

In the reload system 6, the USSD service messages 9, 91 received via the MAP interface 61, or the data contained therein, as indicated by the arrow 618, are forwarded, for example, to a filter module 68. This filter module 68 is a programmed software function which compares the service code 92 contained in the received USSD service message 9, 91 with the above-mentioned defined service code for identifying a cash loading service. The filter module 68 forwards the data from received USSD service messages 9, 91, which have no service code for identifying a cash loading service, to other processing modules 5, for example, outside the reload system 6. Data from USSD service messages 9, 91, which have a service code for identifying a cash loading service and are generated by the filter module 68. are known, are accepted as money loading service orders and are forwarded to a processing module 69 for further processing.

The processing module 69 is a programmed software module which, for example, is located together with the filter module 68 on a server which is connected to the MAP interface via a TCP / IP connection 618

61 is connected. At this point it should be mentioned that in one embodiment variant the MAP interface 61 can be executed together with the filter module 68 and the processing module 69 on a common server, which means that the TCP / IP connection 618 is not necessary.

Received USSD service messages 9, 91, or the data contained therein, can be stored in a buffer memory in the reload system 6

62 can be buffered. A person skilled in the art will understand that there are various design variants for this buffering, for example data from received USSD service messages 9, 91, which correspond to a money loading service order, can be stored by the processing module 69 in the buffer memory 62 before further processing thereof and later there after the further processing has ended be deleted again. The same USSD service messages 9, 91, or the data contained therein, are stored only once by the same user. At this point it should be explained that the identity of this user is given by the International Mobile Subscriber Identifier (IMSI) stored on the SIM card 11, which corresponds to an MSISDN number in the HLR 3, which the reload system 6 also uses the the above-mentioned MAP interface 61 is received by the HLR 3. Buffering the received USSD service messages 9, 91 has the advantage that it can be used to prevent cash loading service orders from remaining pending or having to be rejected if the reload system 6 or the components required by it are temporarily overloaded or out of order.

The processing module 69 transfers the value number 93 contained in an received USSD service message 9, 91 to a validation module 63. The validation module 63 validates the received value number 93 by storing it in a database 64 in which all valid and active value numbers are saved, checks whether they are entered there. If the value number 93 cannot be validated positively, that is, if it is not entered in the database 64, the reload system 6 can transmit an error avoidance to the relevant user who sent the USSD service message 9, 91. For example, the processing module 69 can prepare a corresponding short message, for example a short message service (SMS) short message, and, as indicated by the arrow 697, via a short message service center 7, for example a short message service center (SMSC), via the mobile network 2 transmit to the mobile device 1 of the user. In one variant, the error message is transmitted to the user in question by means of a USSD service message. If the value number 93 can be validated positively by the validation module 63, that is to say if the value number 93 is entered in the database 64, the validation module 63, for example the processing module 69, delivers the monetary value corresponding to the value number 93 and the value number in the database 64 93 is assigned, and deactivates the value number 93, either by deleting the value number or setting a deactivation flag associated with the relevant value number in the database 64.

The processing module 69 transfers the monetary value received by the validation module 63 together with a user identification to the prepaid billing module 65. The user identification is the MSISDN number 94, which was transmitted in the relevant USSD service message 91 (optional), or the MSISDN Number of the user who sent the USSD service message 9 if no optional user identification 94 was transmitted in the USSD service message 9. The prepaid billing module accepts this data and credits the monetary value to the account corresponding to the accepted user identification in a database 66, that is to say the monetary value is stored in a memory associated with the relevant account, or a value stored in this memory becomes around the monetary value elevated. The transfer of the monetary value to the SIM card 11 in the mobile radio device 1 is carried out, for example, according to the SICAP method described in EP 0 689 368. Depending on the design variant, the processing module 69 or the prepaid billing module 65 prepares a short message according to the SICAP method. in particular an SMS short message that contains the monetary value and the user identification and transmits this short message, as indicated by arrows 697 and 76, to the short message service center 7, from where it is sent via the mobile network 2, for example a GSM or UMTS - Mobile network to which the mobile device 1 is transmitted if this is activated. In the mobile radio device 1, the monetary value is taken from the received short message according to the SICAP method and added to the monetary value stored in the memory 12 of the SIM card 11. If the short message service center 7 and the processing module 69 or the prepaid billing module 65 are implemented on different servers, the connection 697 or 76 can be implemented, for example as a TCP / IP connection, on which connection the processing module 69 or respectively access the prepaid billing module 65 via a software interface, otherwise the communication takes place via a pure software interface.

It should also be mentioned that the reload system 6 advantageously keeps a record of the steps that are carried out for a money loading service order. For example, the processing module 69 writes each step carried out in this regard in a log file 67. The steps considered include, for example, the acceptance of the money loading service order, the positive or negative validation, the crediting of the monetary value to an account, and the transmission of this monetary value the SIM card 11.

With regard to the execution of the validation module 63 and the prepaid billing module 65, it must be made clear that the person skilled in the art will understand that both or one of these programmed software modules can be implemented together with the processing module 69 on a common server or that all of these modules can be implemented on separate servers, modules on different servers, for example via TCP / IP connections, can communicate with one another and modules on common servers can communicate via software interfaces. The same applies to the databases 64 and 66, which can be implemented together with the corresponding software modules 63 and 65 on a common server or on different servers. The two databases ken 64 and 66 can also be combined into a common database. The person skilled in the art will also understand that the program flow can be designed and implemented differently. For example, if the validation module 63 and the prepaid billing module 65 are present as existing software / hardware modules separately or together, the validation module 63 can denote the prepaid billing module 65, as indicated by the dotted arrow 635 Hand over the amount of money and the user identification directly for further processing. In a further variant, the buffer memory 62 could also be used as an order memory, from which the validation module 63 takes a new money loading service order (first-in, first-out), as indicated by the dotted arrow 623, as soon as the previous money loading service order indicates, for example, for further processing the prepaid billing module 65 was handed over.

Although this has not been described in detail, the person skilled in the art will understand that security services, in particular encryption services, can be used for the transmission of the value number 93 and / or the monetary amount, for example DES services (Digital Encryption Standard), PTP method ( Point-to-Point) or TTP services (Trusted Third Party). Corresponding algorithms can be implemented, for example, as additional programmed functions 15 on the SIM card 11, or in the processing module 69 and / or prepaid billing module 65. In a variant, for example as an additional part of the value number 93, a personal identification number (PIN number) entered by the user can be transmitted in the USSD service message 9, 91, which is validated, for example, in the validation module 63 together with the value number 93. This could prevent a stolen or lost prepaid card from being misused.

As mentioned in the introduction, the monetary value can also be transferred in a variant from the reload system 6 to the SIM card 11 by means of a USSD service message.

It should also be mentioned here that in addition to mobile phones, other end devices, such as laptop or palm-top computers, are also included the corresponding means can be equipped to load or reload data carrier cards with a monetary value using the proposed method.

At this point it should also be clarified that the described method and system is not only suitable for loading or reloading data carrier cards with a monetary value, but also that accounts in a networked prepaid system, for example in a database on a suitable one Servers, for example in a so-called Intelligent Network (IN), can be loaded or reloaded with a monetary value.

The proposed method and the suitable system are particularly useful for network operators or other service providers who want to offer their customers a solution that allows them to store their data carrier cards, in particular their SIM cards 11 and / or an account, in a prepaid System to load or reload with prepaid monetary amounts. In particular, network operators who have made roaming agreements with other network operators, for example in other countries, can use the proposed method and the suitable system to offer their customers a solution that allows them to also use a VPLMN to save their data cards and / or Top up or top up your accounts in a prepaid system with prepaid monetary amounts.

In addition to the sale of complete systems, it can also be interesting to sell system components separately, for example data carriers with programs for controlling computers stored thereon, for example commercially available servers, according to the described method, for example a data carrier with a program for executing the described MAP interfaces 61 and / or with a program for executing the filter module 68 and processing module 69, and / or with a program for executing the validation module 63 and prepaid billing module 65.

Claims

Expectations

1. A method of topping up or reloading an account with a monetary value, the monetary value being stored in a memory (12, 66) associated with said account or a value stored in said memory (12, 66) being increased by the monetary value, characterized,

that a user of a mobile radio device (1) uses this mobile radio device (1) to send out a USSD service message (9, 91) which comprises a service code (92) for identifying a cash loading service and a secret value number (93),

that the USSD service message (9, 91) is forwarded to a reload system (6) via the home location register (3) of the user in question,

that said value number (93) is validated by said reload system (6),

that a value of the amount of money to be loaded or reloaded corresponding to a positive value number (93) is determined for transfer to the named account,

that said positively validated value number is deactivated, and

that the account mentioned is topped up or reloaded with the determined monetary value.

2. The method according to the preceding claim, characterized in that said memory (12) is in a data carrier card (11), in particular a SIM card (11) for said mobile device d).

3. The method according to any one of the preceding claims, characterized in that said certain monetary value is credited to an account in said reload system (6), said account being an account of said user or this account being determined by a user identification (94) which, if necessary, is also transmitted in the USSD service report (91) mentioned.

4. The method according to the preceding claim, characterized in that said user identification (94) is an MSISDN number.

5. The method according to any one of the preceding claims, characterized in that said USSD service messages (9, 91) in said reload system (6) can be buffered in a buffer memory (62).

6. The method according to any one of the preceding claims, characterized in that said reload system (6) said

Receives the USSD service message (9, 91) from the home location register (3) by means of a MAP interface (611).

7. The method according to any one of the preceding claims, characterized in that said value number (93) for transmission in said USSD service message (9, 91) is taken from a prepaid value card.

8. The method according to any one of the preceding claims, characterized in that said USSD service messages (9, 91) are filtered on the basis of their service codes (92).

9. The method according to any one of the preceding claims, characterized in that an error message is transmitted to said user if said value number (93) is not validated positively.

10. The method according to the preceding claim, characterized in that said error messages are transmitted by means of USSD service messages and / or short SMS messages.

1 1. Reload system (6) for loading or reloading an account with a monetary value, the monetary value being stored in a memory associated with said account (12, 66) or a value stored in said memory (12, 66) Value of money is increased, characterized in

that it comprises a reception module (61) in order to receive from a home location register (3) which USSD service messages (9.), which were sent out by a user by means of a mobile radio device (1), which USSD service messages (9 , 91) comprise a specific service code (92) that identifies a cash loading service,

that it includes a processing module (69) to extract a secret value number (93) contained therein from the USSD service messages (9, 91) mentioned,

that it includes a validation module (63) to validate said value number (93) by checking whether said value number (93) in question is entered in a database (64) in order to transfer a cash amount value to be loaded or reloaded determine said data carrier card (11) by taking this monetary value from said database (64), where it is assigned to the positively validated value number, and to deactivate a positively validated value number, and

that it comprises a prepaid billing module (65), which causes the said account to be topped up or reloaded with the specified monetary value.

12. Reload system (6) according to the preceding claim, characterized in that said memory (12) is in a data carrier card (11), in particular a SIM card (11) for a mobile radio device (1).

13. Reload system (6) according to one of claims 11 to 12, characterized in that said prepaid billing module (65) credits the specified cash amount to an account in a database (66), this account is an account of the named user or this account is determined by a user identification (94) which is optionally also transmitted in the said USSD service message (91).

14. Reload system (6) according to the preceding claim, characterized in that said user identification (91) is an MSISDN number.

15. Reload system (6) according to one of claims 11 to 14, characterized in that it comprises a buffer memory (62), in which said USSD service messages (9, 91) can be temporarily stored.

16. Reload system (6) according to any one of claims 11 to 15, characterized in that said receiving module (61) is a MAP interface, by means of which said USSD service messages (9, 91) in MAP messages from said home Location register (3) can be accepted.

17. Reload system (6) according to any one of claims 11 to 16, characterized in that it comprises a filter module (68) to filter said USSD service messages (9, 91) based on their service codes (92).

18. Reload system (6) according to one of claims 11 to 17, characterized in that said validation module (63) can transmit an error message to said user if said value number (93) is not validated positively.

19. Reload system (6) according to the preceding claim, characterized in that said error messages are transmitted by means of USSD service messages and / or short SMS messages.

20. SIM card (11) for a mobile radio device (1) which is equipped with a memory (12) in which a monetary value is stored and which comprises programmed means to send a short message with an instruction for loading or reloading the said To receive the memory (12) with a monetary value, characterized in that

that it includes additional programmed means (15) to compose a USSD service report (9, 91) comprising a service code identifying a cash loading service and comprising a secret value number (93) and the written USSD service report (9, 91) by means of said mobile radio device (1).

21. SIM card (11) according to the preceding claim, characterized in that said additional programmed means (15) can be started by a user of said mobile device (1) by means of the input means (14) of this mobile device (1).

22. SIM card (11) according to any one of claims 20 to 21, characterized in that said additional programmed means (15) said value number (93) via input means (14) of said mobile device (1) by a user of this mobile device (1) can receive.

23. SIM card (11) according to any one of claims 20 to 22, characterized in that said additional programmed means (15) can automatically insert said service code (92) into said USSD service message (9, 91).

24. SIM card (11) according to any one of claims 20 to 23, characterized in that said additional programmed means (15) via a user identification (94), for example an MSISDN number receive the input means (14) of the said mobile radio device (1) from a user of this mobile radio device (1) and can additionally insert it into the said USSD service message (91).

25. SIM card (11) according to any one of claims 20 to 24, characterized in that said additional programmed means (15) encrypt a USSD service message (9, 91) with a value number (93) and / or one Can decrypt a short message with a specified monetary value.