KR101990512B1 - System for Exchanging and Cash Calculating of Virtual Money and Method Thereof - Google Patents

Abstract

The present invention utilizes a short-distance wireless network (beacon, Wi-Fi, Bluetooth, NFC, etc.) to grasp the location of users installed with the app (application) A virtual currency exchange application (App.) Is downloaded and installed to provide a virtual currency exchange and cash settlement system and method that is settled in cash in real time according to a currency exchange rate varying from time to time. Based on the virtual currency exchange performed through the installed apps among users identified as the short-range wireless network formed by the portable terminal in which the mobile terminal is located on the network, the virtual money amount recognition, the remittance processing, the approval, Real-time, real-time, And a customer management server for providing cash exchange and cash settlement services for the mobile terminal. When the mobile terminal is downloaded and installed, when the virtual currency exchange application is executed, among the other portable terminals located nearby, And the account information including the amount of the virtual money of the detected portable terminal is input from the customer management server and displayed on the screen. When the remittance is completed, the virtual money is transferred to the virtual account And displays a deposit and send completion confirmation window.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for exchanging virtual money,

The present invention relates to a virtual money brokerage service system and method. More particularly, the present invention relates to a virtual money brokerage service system and a virtual money brokerage service system using a short distance wireless network (beacon, Wi-Fi, Bluetooth, NFC, The present invention relates to a system and a method for exchanging virtual money and a cash settlement system, which are settled in real-time converted cash according to a currency exchange rate which is easily changed from a virtual currency to a user who is remotely located nearby.

Currently, the development of the Internet based network has brought about a great transformation in information and transactions, and the era of sharing all information and trading without borders is rapidly approaching.

In addition, the creation of virtual space through the network is creating a variety of services and online real-time transactions within the virtual space, and the specialized information and e-commerce on-line are activated as well as real transactions and various agency services to be.

Accordingly, service companies in various fields such as credit card, mobile communication, beauty, game, and dining service issue membership cards to provide cardholder marketing services. In addition to the membership points provided by membership marketing services, companies such as instant messengers, Internet shopping malls, or Internet games provide virtual money (cyber money) that can be used to access items or services have.

However, such a virtual currency is not worth using other than providing the corresponding virtual currency, and there is also a problem in that it is not possible to use in-kind settlement such as transferring or exchanging virtual money held by an individual to another person.

Bitcoin, a kind of digital virtual money that can be paid for in-kind goods, has been proposed recently. Bitcoin is a digital virtual currency created by Satoshi Nakamoto in 2009, and has a structure that does not have a central device to issue and manage currency. Instead, the transaction of the bit coin is performed by a peer-to-peer network (P2P) -based distributed database, and transactions are performed based on the public key cryptosystem.

As such, there are bit coin, light coin, dark coin, name coin, pottery coin, and ripple in addition to bit coin, and a common feature of these are the trader bit coin The block chain technique is used to collect and store all the transactions that have been performed online using the digital virtual currency that is included. By using this block chain technique, all users can store digital virtual currency with electronic wallet, Bit coin, light coin, dark coin, name coin, pottery coin, and ripple are referred to as digital virtual money using a block chain because transmission and settlement are performed.

For this reason, if you change your membership points or cyber money to digital virtual currency with a block chain, you can make a payment with digital virtual currency that has a block chain with no limit to the number of merchants / service providers.

However, since the digital virtual currency having a block chain used as a payment means fluctuates frequently like the exchange rate of real currency, it is difficult to exchange membership points or cyber money, which is a fixed price, into digital virtual currency having a block chain There is a problem.

Moreover, since membership points and cyber money values provided in various industries are also different from each other, it is also difficult to exchange membership points or cyber money into digital virtual currency having a block chain.

For this reason, even in the floating market of digital virtual currency having a block chain, membership points or cyber money, which are served in various industries and have different values, can be converted into digital virtual currency having a block chain whose value is constantly fluctuated at any time There is a need for a means for enabling real-time conversion.

Published Japanese Patent Application No. 10-2003-0020189 (published 2003.03.08) Published Japanese Patent Application No. 10-2003-0096189 (published December 24, 2003)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a wireless communication system and a wireless communication method, The present invention provides a system and method for exchanging virtual money and a cash settlement system that can settle a virtual currency in a short time to a user who is remotely located near the user.

Other objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided a virtual currency exchange and cash settlement system for a mobile terminal in which a virtual currency exchange application is downloaded and installed, Based on the virtual money exchange performed through installed apps among users identified as short-distance wireless networks, the virtual money amount recognition, remittance processing, approval, and real-time exchange of the virtual money according to the changing currency exchange ratio and account management And a customer management server for providing a currency exchange service and a cash settlement service for the virtual currency, wherein when the downloaded and installed virtual currency exchange application is executed, When a portable terminal connected to a friend is detected The account information including the amount of the virtual money of the detected portable terminal is input from the customer management server and is displayed on the screen. When the transfer is completed, the virtual money is deposited into the virtual account with the cash exchanged in real time, Is displayed.

Preferably, the customer management server includes a user confirmation unit for confirming whether a user is connected through a friend in a virtual currency exchange application based on a portable terminal whose location is confirmed by a short-range wireless network, An account generating unit for generating account information including an amount of virtual money deposited in the account detected by the account detecting unit and providing the virtual money exchanging application installed in the portable terminal, A transaction history confirmation unit for confirming a history of a virtual currency transaction made between users who are connected to each other through a virtual currency exchange application installed in a portable terminal, and a real-time currency exchange rate calculation unit for calculating a real-time exchange rate based on the exchange rate information A currency exchange ratio calculating section, A cash settlement unit for calculating a virtual currency based on the virtual currency transaction details confirmed by the transaction history confirmation unit based on a currency exchange rate calculated in the rate calculation unit by using a currency amount calculated by the cash settlement unit, A virtual money transaction history information between the user who is connected to the friend through the virtual currency exchange application and the user who is connected by the friend connection, A storage unit for storing the virtual account information and the deposited virtual money amount information held for each user; a transaction history temporary storage unit for temporarily storing the amount of the changed virtual money in the virtual account updated by the transaction history processing unit until transaction approval is performed; And a virtual money transaction history verifying section And a transaction approval section for newly establishing an account and transferring the account to a virtual money financial server for managing the account to receive transaction approval.

According to another aspect of the present invention, there is provided a method for exchanging and cashing a virtual currency, the method comprising: (A) when a virtual currency exchange application downloaded and installed in a portable terminal is executed, The method comprising the steps of: (a) performing a virtual currency transaction between portable terminals connected by making friends among other portable terminals; (B) if the transaction details are confirmed through the virtual currency transaction, Calculating a real-time exchange rate based on the information, (C) calculating a virtual currency confirmed through the execution of the virtual currency transaction based on the exchange rate calculated through the cash settlement unit, ) Transactions The amount of money settled through the processing department is transferred to the virtual account held by the user. Updating the amount of the virtual currency and temporarily storing the updated amount in the transaction details temporary storage unit; (E) creating a virtual money account with the virtual money transaction details confirmed through the transaction approval unit and managing the virtual money account; (F) accepting approval from the virtual money banking server, receiving the virtual money amount by the user stored in the storage unit using the update information temporarily stored in the transaction history temporary storage unit, And updating the information.

Preferably, the step (A) includes the steps of: (A1) detecting a portable terminal connected to the other portable terminals located nearby by the location wireless network when the virtual money relay application downloaded and installed in the portable terminal is executed; (A2) detecting a virtual account held by the detected portable terminal through the account detecting unit through telephone number confirmation of the portable terminal; and (A3) detecting a virtual account stored in the virtual account information stored in the virtual account information storage unit Detecting the account information and the portable terminal information including the amount of virtual money deposited in the account and transmitting the information to each portable terminal; (A4) selecting a user to be remitted from the portable terminal delivered to the portable terminal, Inputting a remittance amount; (A5) selecting a send button, (A6) If it is determined that the remittance is possible, the step (A6) displays a password input window on the screen to input a password and confirm whether or not it matches a preset password. (A7) And if the password is matched, displaying on the screen that the remittance to the virtual account of the selected user is completed.

Preferably, the step (A2) includes the steps of depositing a virtual money in advance through the virtual money finance server, depositing the virtual money acquired through any one of events, purchases, and points into its new virtual account, And receiving the virtual account information and the deposited virtual money amount information newly installed for each portable terminal from the financial server through the detection unit, and storing the received virtual money amount information in the storage unit.

Preferably, the step (A4) includes the steps of: selecting at least one of the users displayed on the screen for transferring money; displaying a balance and remittance amount input window of the virtual money deposited in the virtual account of the user, The method comprising the steps of:

Preferably, the step (A5) is characterized in that it is determined that remittance is impossible when the remittance amount inputted is greater than the remaining amount of the virtual money deposited in the virtual account, or when the location confirmation through the short-range wireless network is interrupted.

Preferably, when the approval is denied from the virtual money financial server, the update information temporarily stored in the transaction details temporary storage unit is deleted, and the transaction failure information is transmitted to the portable terminal of the user having the financial transaction.

As described above, the system and method for exchange and cash settlement of virtual money according to the present invention have the following effects.

First, it can be used according to the fluctuating flow rate in various existing industrial services by adjusting the virtual currency to real time changed cash according to the frequently changing currency exchange rate.

Secondly, by using short-distance wireless network (beacon, Wi-Fi, Bluetooth, NFC, etc.), it is possible to understand the location of users who have installed apps. Do.

Thirdly, by using a virtual account charged with virtual money, a transfer service can be performed without burdening the user with the cost of transferring the account transferred to the financial transaction service.

Brief Description of the Drawings Fig. 1 is a block diagram showing a configuration of a currency exchange and cash settlement system for a virtual currency according to an embodiment of the present invention
FIGS. 2A to 2D are views showing an embodiment of a screen displayed on the portable terminal in FIG.
3 is a block diagram showing a detailed configuration of the customer management server in FIG.
4 is a flowchart for explaining a method for exchanging virtual money and cash settlement according to an embodiment of the present invention.
FIG. 5 is a flowchart showing a detailed explanation according to the virtual currency transaction in FIG.
FIG. 6 is a flow chart showing a detailed description according to a method of receiving approval through a virtual money finance server in FIG.

Other objects, features and advantages of the present invention will become apparent from the detailed description of the embodiments with reference to the accompanying drawings.

A preferred embodiment of a system and method for exchanging virtual money and a cash settlement method according to the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. It is provided to let you know. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention and are not intended to represent all of the technical ideas of the present invention. Therefore, various equivalents It should be understood that water and variations may be present.

FIG. 1 is a block diagram showing a configuration of a system for exchanging virtual money and a cash settlement system according to an embodiment of the present invention.

As shown in FIG. 1, the virtual currency exchange and cash settlement system of the present invention includes a virtual money exchange application (App.) Downloaded and installed, and a short range wireless network (beacon, WiFi, Bluetooth, And a virtual money exchange through an installed app between users who are identified as a short-range wireless network in the portable terminal 100. In this embodiment, A customer management server 200 for providing a virtual currency exchange and cash settlement service including virtual money amount recognition, remittance processing, approval, settlement of virtual money in real-time changed cash according to a frequently changing currency exchange rate, and account management, .

At this time, as shown in FIG. 2A, when the downloaded and installed virtual currency exchange application is executed, the portable terminal 100 displays the location information of the nearby The portable terminal connected to the portable terminal is detected and the account information including the amount of the virtual currency of the detected portable terminal is input from the customer management server 200 and displayed on the screen. Next, as shown in FIG. 2B to FIG. 2D, after selecting a specific user, a virtual amount and a password to be remitted in the virtual money amount deposited in the virtual account can be inputted and remitted to the selected user, respectively The input window is displayed. When the transfer is completed, the virtual money is transferred to the virtual account with the cash exchanged in real time, and the confirmation of completion of sending is displayed.

As shown in FIG. 3, the customer management server 200 is a virtual money exchange application based on the portable terminal 100 whose location is confirmed by a short distance wireless network (beacon, Wi-Fi, Bluetooth, NFC, etc.) An account detection unit 202 for detecting a virtual account held by the user identified by the user identification unit 201, and an account determination unit 202 for determining whether the user is a connected user through the account detection unit 202, An account creation unit 203 for creating account information including the amount of the virtual money deposited in the account detected by the account creation unit 203 and providing the account information to the virtual currency exchange application installed in the portable terminal 100, A transaction history confirmation unit 204 for confirming the details of the virtual currency transaction made between the users connected through the virtual currency exchange application, A currency exchange rate calculation unit 205 for calculating a currency exchange ratio based on the currency exchange rate information that is varied by the currency exchange rate calculation unit 205, The virtual currency transaction amount calculated by the cash settlement unit 206, and the amount of the virtual currency deposited in the virtual account held by the user And a virtual currency transaction history information between a user connected by a friend connection through a virtual currency exchange application and a user connected by a friend connection and a virtual account transaction history information of a virtual account held by each user, A storage unit 208 for storing the deposited virtual money amount information, and a storage unit 208 for storing the changed virtual money amount in the virtual account updated by the transaction detail processing unit 207, A transaction history temporary storage unit 209 for temporarily storing the transaction history until the transaction is completed, a virtual money financial server for creating an account of the virtual currency and managing the virtual currency transaction details confirmed by the transaction history checking unit 207 300 to receive a transaction approval.

The operation of the virtual currency exchange and cash settlement system according to the present invention will now be described in detail with reference to the accompanying drawings. 1 to 3 denote the same members performing the same function.

4 is a flowchart illustrating a method for exchanging virtual money and cash settlement according to an embodiment of the present invention.

4, when a virtual money exchange application that is downloaded and installed in the portable terminal 100 is executed (S100), it is determined whether or not the other nearby peripheral devices The virtual currency transaction between the portable terminals 100 connected by making friends among the portable terminals is performed (S200). Hereinafter, a detailed description of the virtual currency transaction will be described in detail with reference to FIG.

When the transaction details are confirmed through the virtual currency transaction (S300), the real-time exchange ratio is calculated based on the exchange rate information which is input from the outside in real time through the exchange rate calculation unit 205, (S 500) based on the exchange rate calculated through the transaction history verifying unit 206 and the virtual currency corresponding to the virtual currency transaction details confirmed by the transaction history verifying unit 204.

In step S700, the virtual money amount stored in the virtual account held by the user is updated in step S800 and stored in the transaction history temporary storage unit 209 in step S700. . That is, the virtual money amount is subtracted from the virtual account of the user who remitted by the remitted amount, and the virtual money amount is added from the virtual account of the remitted user. The updated amount of the virtual account is transmitted to the user terminal 100, and the user can immediately check the amount of the virtual account through the screen of the portable terminal 100. The contents temporarily stored in the transaction history temporary storage unit 209 are transferred to the user terminal.

Then, an account of the virtual currency is newly established through the transaction approval unit 210, and the virtual money transaction is transmitted to the virtual money banking server 300 for managing the virtual money transaction account (S900). At this time, the approval method of the virtual currency transaction from the virtual money financial server 300 is performed using a known approval method using the creditworthiness and the remaining balance of the user. A detailed description of a method of receiving the approval through the virtual money financial server 300 will be described in detail below with reference to FIG.

If approval from the virtual money financing server 300 is permitted, the virtual money amount information for each user stored in the storage unit 208 is updated using the update information temporarily stored in the transaction history temporary storage unit 290 (S800) . At this time, the final update confirmation information is transmitted to the portable terminal 100 of the user who made the financial transaction.

As described above, according to the present invention, after receiving the approval request from the financial server 300 after the financial transaction of the virtual currency, the delay time according to the authentication procedure can be solved. As described above, the transaction of the virtual currency can be performed before the authentication procedure is linked to the friend through the information of the portable terminal, so that they can be trusted with each other. Also, since the location confirmation is performed by the short- distance wireless network (beacon, WiFi, Bluetooth, This is because it is safe for financial transactions. Thus, financial transactions are only available for the duration of the app's execution.

5 is a flowchart illustrating a detailed description of the virtual currency transaction in step S200.

5, when a virtual money relay application downloaded and installed in the portable terminal 100 is executed (S100), the virtual money relay application installed in the portable terminal 100 The portable terminal 100 connected by making friends among the portable terminals is detected (S201).

And then detects the virtual account held by the detected portable terminal 100 through the account detection unit 202 (S202) by checking the telephone number of the portable terminal 100. [ At this time, the virtual account newly creates a virtual account through the virtual money banking server 300, and then deposits the virtual money obtained through the event, purchase, point, etc. in its new virtual account. The account detecting unit 202 receives the virtual account newly established for each portable terminal 100 and the deposited virtual money amount information from the financial server 300 and stores the information in the storage unit 208. On the other hand, the basic information of the user should be registered in advance as the subscription condition of the app.

Based on the detected virtual account information, the account generator 230 detects the account information including the amount of the virtual currency deposited in the virtual account and the portable terminal information, and transmits the account information and the portable terminal information to all the portable terminals 100 (S203) . At this time, the account information and the personal information are both encrypted and protected.

FIG. 2A shows an example of a screen displayed on the portable terminal 100 using information transmitted from the account generation unit 230, wherein user information having the detected portable terminal and a telephone number of the portable terminal are displayed.

When it is desired to remit a portion of the virtual money held by the portable terminal 100 displayed on the screen of the portable terminal 100 (S204), the user who wants to remit the money is inputted and the remittance amount is inputted (S205).

FIG. 2B shows an example of a screen displayed on the portable terminal 100 when selecting at least one of the users displayed on the screen for remittance. The screen shows a balance of virtual money deposited in the virtual account of the user, The input window and the user information to be remitted are displayed on the screen.

If the send button is selected after inputting the remittance amount, the remittance amount inputted from the balance of the virtual money deposited in the virtual account of the user is large, or the amount of remittance inputted through the short distance wireless network (beacon, WiFi, Bluetooth, NFC etc.) It is determined whether the remittance is possible (S206).

If it is determined that the remittance is possible (S206), as shown in FIG. 2C, a password input window is provided on the screen to receive a password from the user and confirm whether or not the password is matched with the preset password S207). At this time, the confirmation of whether or not the password is matched is limited to five consecutive checks, and if it is wrong for five consecutive times, it is performed again from the input of the remittance amount.

If it is determined that the passwords match, it is displayed as shown in FIG. 2D that the remittance has been completed to the virtual account of the selected user (step S208). Then, the transaction history confirmation unit 204 displays the virtual money using the virtual money relay application The virtual currency transaction details made between the users who are connected by making friends are confirmed (S209).

FIG. 6 is a flowchart illustrating a method of receiving approval through the virtual money banking server 300 in step S900.

Referring to FIG. 6, a transaction of the virtual currency is newly established through the transaction approval unit 210, and the account is transferred to the virtual money banking server 300 for managing the virtual money transaction account, And receives an approval request (S901). At this time, the approval method of the virtual currency transaction from the virtual money financial server 300 is performed using a known approval method using the creditworthiness and the remaining balance of the user.

If approval from the virtual money financing server 300 is permitted (S902), the virtual money amount information for each user stored in the storage unit 208 is updated using the update information temporarily stored in the transaction details temporary storage unit 270 (S903). At this time, the final update confirmation information is transmitted to the portable terminal 100 of the user who made the financial transaction.

If the approval from the virtual money financial server 300 is denied (S902), the update information temporarily stored in the transaction details temporary storage unit 270 is deleted (S904) Failure information is transmitted (S905).

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It will be apparent to those skilled in the art that various modifications may be made without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (8)

A virtual currency exchange application (App.) Is downloaded and installed, and the location is confirmed by a short-range wireless network. The virtual money is exchanged through an installed app between users who are identified as a short- And a customer management server for providing virtual currency exchange and cash settlement services including real-time money exchange, real-time money exchange, real-time money exchange, money recognition, remittance processing, approval,
At this time, when the downloaded and installed virtual currency exchange application is executed, the portable terminal detects a portable terminal connected with friends of other portable terminals located in the vicinity of the local wireless network, And transfers the virtual money to the virtual account with the cash exchanged in real time to display the payment completion confirmation window,
The customer management server
A user confirmation unit for confirming whether a user is a trusted user connected through a friend in a virtual currency exchange application based on a portable terminal whose location is confirmed by a short-
An account detecting unit for detecting a virtual account held by a user identified by the user confirmation unit;
An account generating unit for generating account information including an amount of virtual money deposited in the account detected by the account detecting unit and providing the account information to a virtual currency exchanging application installed in the portable terminal;
A transaction history verifying unit for verifying a virtual currency transaction history made between users who are connected through a virtual currency exchange application installed in the portable terminal,
A currency conversion ratio calculating unit for calculating a real time currency exchange ratio based on the currency exchange rate information which is input from outside in real time and fluctuating from time to time,
A cash settlement unit configured to settle the virtual currency according to the virtual currency transaction details confirmed by the transaction history confirmation unit based on the exchange rate calculated by the exchange rate calculation unit,
A transaction history processing unit for updating the amount of the virtual money deposited in the virtual account held by the user with the money exchange amount calculated by the cash settlement unit;
A storage unit for storing user information connected to a friend through a virtual currency exchange application, virtual money transaction history information between users connected by making friends, virtual accounts held for each user, and deposited virtual money amount information,
A transaction history temporary storage unit for temporarily storing the changed virtual money amount in the virtual account updated by the transaction history processing unit until transaction approval is made;
In order to solve the delay time according to the authentication procedure of the virtual money money server, the virtual money transaction details confirmed by the transaction history confirmation unit after the transaction of the virtual money is newly created and transferred to the virtual money money server And a transaction approval section for receiving the transaction approval,
Wherein a virtual money transaction can be performed only during a period in which the virtual money currency application is executed. delete (A) A virtual currency exchange application downloaded and installed in a portable terminal is executed. In order to secure the financial transaction, a virtual money transaction between trusted portable terminals connected by making friends among other portable terminals whose location is confirmed by a short- , ≪ / RTI >
(B) calculating a real-time exchange rate based on exchange rate information that is input from outside in real time through the exchange rate calculator when the transaction details are confirmed through the virtual currency transaction,
(C) settlement of the virtual currency confirmed through the execution of the virtual currency transaction based on the exchange rate calculated through the cash settlement unit to the amount to be exchanged,
(D) updating the amount of the virtual money deposited in the virtual account held by the user with the money amount settled through the transaction history processing unit, and temporarily storing the updated amount in the transaction details temporary storage unit;
(E) a virtual money bank server, a virtual money banking server for creating an account of the virtual money and managing the virtual money transaction history by using a transaction approval unit of the virtual money to solve the delay time according to the authentication procedure of the virtual money bank server To receive a final virtual currency transaction approval request,
(F) updating the virtual money amount information for each user stored in the storage unit using the update information temporarily stored in the transaction details temporary storage unit, when approval from the virtual money financial server is permitted,
The step (A)
(A1) a step of detecting a portable terminal connected to a friend of other nearby portable terminals whose location is confirmed by a short-range wireless network when a virtual money relay application downloaded and installed in the portable terminal is executed,
(A2) detecting a virtual account held by the detected portable terminal through a phone number check of the portable terminal through an account detecting unit;
(A3) detecting account information and portable terminal information including an amount of virtual money deposited in the virtual account in the account creation unit based on the detected virtual account information, and delivering the information to all portable terminals;
(A4) inputting a remittance amount after selecting a user to remit from the portable terminal delivered to the portable terminal,
(A5) If the send button is selected,
(A6) if it is determined that the remittance is possible, displaying the password input window on the screen to receive the password and confirming whether the password is matched with the preset password,
(A7) If the password is matched as a result of checking whether the password is matched, displaying on the screen that the remittance to the virtual account of the selected user is completed,
Wherein a virtual currency transaction is available only during a period when the virtual currency exchange application is executed. delete 4. The method of claim 3, wherein step (A2)
Depositing a virtual currency in the virtual account newly established through a virtual money banking server, virtual money obtained through an event, purchase, or point,
And receiving the virtual account information and the deposited virtual money amount information newly established for each portable terminal from the financial server through the account detecting unit and storing the received virtual money amount information in the storage unit. 4. The method of claim 3, wherein step (A4)
Selecting at least one of the users displayed on the screen for transferring,
And displaying the balance and remittance amount input window of the virtual currency and the user information to be remitted in the virtual account of the user on the screen. 4. The method of claim 3, wherein step (A5)
And when it is determined that the remittance amount inputted is greater than the remaining amount of the virtual money deposited in the virtual account or the position confirmation through the short-range wireless network is disconnected, it is determined that the remittance is impossible. The method of claim 3,
And deleting the update information temporarily stored in the transaction details temporary storage unit when the approval from the virtual money financial server is not permitted, and transmitting the transaction failure information to the portable terminal of the user who has made the financial transaction. And cash settlement method.

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