KR20030009117A - The method and system of the operation by using the mobile telecommunication device that has the function of electronic cash. - Google Patents

Abstract

PURPOSE: A method and system for operating an electronic money is provided to perform a charging and reverse-charging of an electronic money in any place conveniently without a private terminal. CONSTITUTION: A user who possesses a mobile communication device(B105) connects to an ARS(Auto Response System) and an SMS(Short Message Service) of an electronic money managing company(B109) for charging an electronic money from an electronic money managing company system(B107), responds to an SMS character message guidance being transmitted from the electronic money managing company on a screen(B101) of the mobile communication device(B105), and inputs a fund charging request amount of money using an input device(B102) of the mobile communication device(B105). An information control, calculation, and recording device(B103) of the mobile communication device(B105) checks a validity of the charging request amount. If the charging request amount is normal, the mobile communication device(B105) supplies charging request amount information, the current balance amount information, and a mobile communication device number(A101) to the electronic money managing company system(B107). A computer(B108) of the electronic money managing company checks a validity of the received contents. If the received contents are approved, the computer(B108) adds the charging request amount of money to the current balance amount of money. The electronic money managing company system(B107) transmits the added amounted of money information and a charging job completion notice(A102) to the mobile communication device(B105) through a mobile communication network(B106). The mobile communication device(B105) stores information related to the transaction in the information control, calculation, and recording device(B103). The mobile communication device(B105) displays a completion of an electronic money charging job on a screen(B101) thereon.

Description

The method and system of the operation by using the mobile telecommunication device that has the function of electronic cash.

The technology in the field to which the present invention belongs may be said to belong to the field of 'mobile mobile communication device' ('mobile communication device' in the present invention refers to 'portable mobile communication device') and electronic money. In the present invention, the term "mobile communication device" refers to a mobile phone and a PDA (Personal Digital Assistant) with an additional mobile communication function, an IMT-2000, a wireless Internet device, and devices that can make a call while moving. In the present invention, 'electronic money' is to enable the electronic chip to record and change the value of money (money) on a semiconductor chip or other electronic recording medium, and basically the amount of money is recorded as electronic information. Means appliance. Some people separate these types of devices into electronic wallets.

In the present invention, the charging means that the withdrawal of money (funds) is processed in an electronic manner, and the reverse charge means that the saving act of the money (funds) is processed in an electronic manner. The act of donation of funds) is processed electronically, the payment transfer means the act of payment is processed electronically. In more detail, the recharging electronically updates the electronic money balance stored in the electronic money management company with the amount information reduced by the recharge amount, and instead the electronic money balance stored in the mobile communication device is requested. Refers to performing a process of updating electronically with the amount information increased by the amount charged. Reverse recharge electronically updates the electronic money balance stored in the mobile communication device with the amount information reduced by the requested reverse recharge amount, and instead, the electronic money balance stored electronically in the electronic money management company by the reverse recharge amount. It refers to performing a process of updating electronically with increased amount information. The transfer electronically updates the electronic money balance stored electronically in the first user mobile communication device with the amount information reduced by the requested transfer amount, and transfers the electronic money balance stored electronically in the second user mobile communication device instead. Refers to performing a process of updating electronically with the amount information increased by the amount. The payment transfer electronically updates the electronic money balance stored electronically in the mobile communication device with the amount information reduced by the requested payment transfer amount, and instead transfers the electronic money balance stored electronically in the store electronic money terminal device. Refers to performing a process of updating electronically with the amount information increased by the amount.

In addition, in the present invention, the non-contact short range wireless communication method refers to a method in which two devices performing wireless communication communicate electronic signals directly between devices without passing through a network, and in this type of method, at present, RF (Radio Frequency) ), Infrared communication, wireless LAN (Local Area Network), Bluetooth (Bluetooth), etc. will be further developed according to the advances in technology.

Looking at the related art related to this field by type as follows.

First, a conventional technology in which a mobile communication device is closely coupled with a financial settlement function has been a mobile phone which provides a mobile credit card approval terminal function by combining a mobile communication device with a credit card approval terminal function.

In addition, financial settlement or electronic money for mobile communication devices has recently been mainly used for internet payments and payment methods using mobile communication devices, commonly referred to as mobile phone payment systems. In this regard, the public provides a lot of convenience in online transactions such as internet payment. However, since the mobile communication device itself is not a means of storing value, and has a separate account of the user's electronic money on the computer of the electronic money management company, it is necessary to obtain information from the transaction when the transaction takes place, so that direct transfer of funds between users is possible. Compared to impossible or difficult, the mobile communication device plays an auxiliary role for the electronic money by focusing on the user identification function by the mobile communication device number. In addition, various attempts have been made to impart electronic money functions to mobile communication devices, but there are still few substantial progress.

On the other hand, it is not related to a mobile communication device, but is currently conceived or implemented in earnest in the electronic money field, and can be seen based on the conventional technology, and operates based on a plastic card form. Electronic money of the plastic card type can be roughly classified into a magnetic tape type and a semiconductor chip type depending on the type of information storage means. However, these plastic card electronic money is limited in the ability to replenish the funds and the direct transfer of funds between users is impossible.

Although the present invention mentions that electronic money will be used as a next generation currency by many scholars or engineers, the reason for the slow progress of the activation is that, among other things, the card type electronic money that has been shown in the past Do not overcome the advantages of using existing currency comprehensively due to the partial inconvenience or relative discomfort in the use of each coin, i.e. withdrawal of funds, saving, donation, payment, and balance check. It starts from the point of view that it is because it does not follow the intangible merits such as anonymity. Therefore, even if the new electronic money has some disadvantages compared to the existing money, in general, if it has technical and usage advantages differentiated from other factors, I think that it will provide convenience to the user by offsetting it.

Therefore, the object and technical problem of the present invention as a technical means for overcoming the problems and deficiencies of the related art and activating the electronic money in detail as follows.

It is a first object of the present invention to use a mobile communication device having an electronic money function, which can be performed relatively conveniently anywhere without being constrained in space without having to find a dedicated terminal in charging or recharging electronic money. And to provide a system.

The second object of the present invention is to conveniently and directly or indirectly use a mobile communication device having an electronic money function to transfer and pay between electronic money, which could not be performed or inconvenient with the conventional plastic card type electronic money device. It is to provide a method and system that can be implemented.

It is a third object of the present invention to provide a method and system for electronic money to charge, reverse charge, transfer, and pay transfer electronically as close as possible to a comprehensive process in the use of paper and coin currency, or to provide a more convenient method and system. To provide.

A fourth object of the present invention is to provide a method and system that can conveniently check the current balance and transaction history by using a record recorded on a recording medium inherent in a mobile communication device having an electronic money function.

The fifth object of the present invention is to reduce the degree to which people who are accustomed to anonymity and privacy when using existing money are not resentful of technical transition to electronic money, as long as they are not contrary to existing customs and institutions. In order to provide an additional method and system for pursuing anonymity and privacy rights of users.

A sixth object of the present invention is to provide a method and system for increasing the reliability of transactions by reading, ie, making the process as easy as possible by reading the readability of funds such as charging, reverse recharging, transfer and payment transfer of electronic money. have.

A seventh object of the present invention is a comprehensive electronic money operating method and system consisting of a mobile communication device, a mobile communication network, an internet network, an electronic money management company computer system, a store electronic money terminal, and the like for performing the above functions; It is to provide an individual electronic money operating method and system of the above elements.

1 is a block diagram showing a method and system for operating an electronic money in general.

2A and 2B summarize the workflow for charging electronic money according to a preferred embodiment of the present invention.

3a and 3b summarize the workflow for backfilling electronic money in accordance with a preferred embodiment of the present invention.

4A and 4B summarize the workflow for electronic money transfer according to a preferred embodiment of the present invention.

5 and 6 summarize the workflow for electronic money payment transfer according to a preferred embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

B101: Screen

B102: Input Device

B103: Information control, computing and recording devices

B104: external interface

B105: user mobile communication device

B106: Mobile Communication Network

B107: Electronic Money Management Company System

B108: Computer

B109: ARS and SMS

B110: transceiver

B111: Internet Network

B112: Homepage Server

B113: second user mobile communication device

B114: Electronic Money Terminal for Stores

To achieve the above object, the configuration and operation of the present invention will be described with reference to the drawings.

First of all, the overall basic configuration of the present invention includes a first user mobile communication device B105, a second user mobile communication device B113, a store electronic money terminal B114, and a mobile communication network B106 as shown in the drawing of FIG. ), The Internet network B111, and the electronic money management company system B107. In addition, the electronic money management company system B107 includes ARS and SMS B109, a homepage server B112, a computer B108, and the like. Also, as shown in FIG. 2A, a user mobile communication device having a user electronic money function includes a transceiver B110, a screen B101, an input device B102, an information control, arithmetic and recording device B103, and an external interface B104. It includes. In addition, as shown in FIG. 5, the electronic money terminal B114 for a store also includes the same elements as the user mobile communication device B105. When the method and system for performing the function of the electronic money by the above configuration for example by name.

According to the first embodiment of the present invention, when the user receives the withdrawal from the electronic money management company account and wants to increase the amount of electronic money available stored in the user's mobile communication device, as shown in the drawing of FIG. Step by step how to receive the electronic money from the electronic money management company or financial institution, through the relay of the mobile communication network to the user mobile communication device.

First, the user possessing the mobile communication device B105 receives the ARS and SMS (Automatic Response System) of the electronic money management company through the mobile communication network B106 in order to receive the electronic money from the electronic money management company system B107. Response System) and Short Message Service: B109}, and the electronic money management company sends a text message guide of SMS sent to the screen B101 of the mobile communication device B105 possessed by the user. For example: in response to 'Do you want to continue charging request?), Enter the account number and the amount of money to be charged using the input device B102 of the mobile communication device. Then, the information control, calculation and recording device B103 of the user mobile communication device B105 determines the validity of the charge request amount and other adequacy of the input, and then determines that the information is justified. Together with the account number and the amount of information to request the funds, the current balance information of the electronic money recorded in the information control, calculation and recording device (B103) of the user's mobile communication device and the number of the user's mobile communication device (A101) Is provided to the electronic money management company system B107 via the mobile communication network B106. The computer B108 of the electronic money management company then determines the justification of the account number, the justification of the mobile communication device number, the appropriateness and availability of the regulations and deposit withdrawal. In this step, when the approval of the justification is made, the computer B108 of the electronic money management company calculates the sum of the current balance of the user's electronic money and the user's request for charging. The electronic money management company system B107 then transmits this summed amount of money information and the charging operation completion notification A102 to the user's mobile communication device B105 via the mobile communication network B106. (In the present invention, the completion notification method may use a special symbol, a letter or a number, and further, when the electronic money amount information, etc. is received, it may be regarded as a completion notification by the receiving system. In the present invention, the completion notification means electronically sending a signal promised between the transmitting side and the receiving side that the steps up to now are just and abnormal, whatever the manner and form.) Then, the user's mobile communication device controls the information. In addition, the current balance information recorded in the arithmetic and recording device (B103) is updated and stored with the sum of this amount, and the date and time information, the charge request amount, the account number, and the like related to the transaction are controlled by the information control, arithmetic and recording device ( B103). Thereafter, the user's mobile communication device displays an indication indicating that the electronic money charging operation is completed on the screen B101. The user then confirms that the requested recharge has been completed and uses the electronic money for the expenditures he needs as much as the final recorded amount.

A slightly modified embodiment in the above first embodiment, where addition calculation is made is not the computer B108 of the electronic money management company system B107, but the information control, arithmetic and input device in the user mobile communication device B105 ( B103). In this modified embodiment, the current balance information is omitted from the information sent from the user mobile communication device B105 to the electronic money management company system B107, and also the user mobile communication device (B107) in the electronic money management company system B107. In the information sent to B105), the sum of the sum information is omitted. In this case, the summation operation is performed after the completion notification is sent from the electronic money management company system B107 to the user mobile communication device B105, and the amount of money updated and stored in the current balance information of the user mobile communication device B105. Will be the amount information summed by the user mobile communication device B105.

According to a second embodiment of the present invention, when the user wants to reduce the amount of electronic money available and save the amount in the account instead of reducing the amount of available electronic money, the relay of the mobile communication network is performed from the user's mobile communication device. After that, step-by-step instructions on how to reverse charge electronic money to an electronic money management company or financial institution that have user account information.

First, the user possessing the mobile communication device B105 connects to the ARS and SMS B109 of the electronic money management company through the mobile communication network B106 in order to reverse charge the electronic money management company system B107. The electronic money management company responds to the SMS message message sent to the screen (B101) of the mobile communication device possessed by the user, and uses the input device (B102) of the mobile communication device to request an account number and a reverse charge. Enter. Then, after the user's mobile communication device B105 determines the legitimacy of the reverse charge amount, the regulation, and the like, the information control, calculation, and recording device B103 of the user's mobile communication device together with the account number and the amount of information for requesting the reverse charge of the money. Information on the current balance of the electronic money recorded in the system and the number information A103 of the user's mobile communication device is provided to the electronic money management company system B107 via the mobile communication network B106. The computer B108 of the electronic money management company then determines the justification of the account number, the mobile communication device number, the appropriateness of the regulations and savings. In this step, when the approval of the justification is made, the computer B108 of the electronic money management company calculates the amount of the user's request for reverse charging from the current balance of the user electronic money.

The electronic money management company system B107 then transmits the subtracted amount information and the reverse charging work completion notice A104 to the user's mobile communication device B105 via the mobile communication network B106. The user's mobile communication device then updates and stores the current balance information recorded in the information control, computing and recording device (B103) with this subtracted amount, and also the date and time information related to this transaction, the amount of the reverse charge request, the account. The number and the like are stored in the information control, arithmetic and recording device B103.

Thereafter, the user's mobile communication device displays on the screen B101 that the reverse charging of the electronic money is completed. The user can confirm that the requested reverse charging has been completed and use the electronic money for the expenditures he needs as much as the final recorded amount.

As a slightly modified embodiment of the second embodiment, the subtraction is performed on the information control, computing and input device B103 in the user mobile communication device B105, not the computer B108 of the electronic money management company system B107. May be In this modified embodiment, the current balance information is omitted from the information sent from the user mobile communication device B105 to the electronic money management company system B107, and also the user mobile communication device (B107) in the electronic money management company system B107. The subtracted amount information is omitted from the information sent to B105). In this case, the subtraction operation is performed after the completion notification is sent from the electronic money management company system B107 to the user mobile communication device B105, and the amount of money updated and stored in the current balance information of the user mobile communication device B105 is It will be the amount information subtracted from the user mobile communication device B105.

According to a third embodiment of the present invention, when the user wants to donate funds to another user, as shown in the diagram of FIG. 4A, a method of transferring electronic money from the mobile communication device of the first user to the mobile communication device of the second user is provided. Explain step by step. However, this is an embodiment in which two mobile communication devices can be contacted with each other without using a mobile communication network, or the two devices are located in a place where direct signal communication can be performed at a short distance.

First, both the first user and the second user operate the respective mobile communication devices B105 and B113 in a function mode for performing electronic money transfer, and then respond to the first user while following the instructions displayed on each screen B101. Inputs an amount to be transferred through the input device B102 of the mobile communication device B105. Both users then either contact each of the mobile communication devices B105 and B113 or place them in a non-contact state at near distance. After that, the mobile communication device B105 of the first user checks the validity of the transfer amount and then transfers the amount to be transferred to the mobile communication device B113 of the second user and the first user mobile communication device number information A105. It transmits via the external interface B104 of the first user mobile communication device B105. As described above, the external interface B104 may adopt a method of exchanging electronic information in a contact state and a method of exchanging information by an infrared method or an RF (Radio Frequency) signal and other methods in a non-contact manner. . After that, the second user mobile communication device B113 also receives this information through its external interface B104 and temporarily stores the information in the information control, computing and recording device B103, and then moves the first user. The communication device B105 sends the mobile communication device number information and the partial completion notification A106 of the second user via the external interface B104. As described above, the external interface B104 may adopt a method of exchanging electronic information in a contact state and a method of exchanging information by an infrared method or an RF (Radio Frequency) signal and other methods in a non-contact manner. . The mobile communication device B105 of the first user then reconfirms the validity of this transaction and then sends a completion notification A107 to the second user via the external interface B104. Thereafter, the first user mobile communication device B105 subtracts the amount of money information by the amount transferred from its existing balance information, and the second user mobile communication device B113 receives the amount of money transferred to its existing balance information. The added value information is updated and stored in the current balance information of each information control, calculation and recording device B103. In addition, each mobile communication device stores the date and time information, the transfer amount, the other party's mobile communication device number information, and the like related to this transfer transaction in the information control, calculation and recording device B103 of each mobile communication device. Thereafter, each of the user's mobile communication devices displays on the screen B101 that the electronic money transfer operation is completed. The user can confirm that all requested transfers have been completed and use electronic money for the expenditures he needs as much as the final recorded amount. On the other hand, when it is necessary to secure the anonymity of each user in the third embodiment, a method of not transmitting the respective mobile communication device number information to the other party's mobile communication device is configured.

According to the fourth embodiment of the present invention, when a user wants to donate funds to another user, as shown in the diagram of FIG. 4B, the electronic money is transferred from the mobile communication device of the first user to the mobile communication device of the second user through the mobile communication network. Step by step instructions how to transfer.

First, the first user calls his mobile communication device B105 and dials in to the second user mobile communication device B113 via the mobile communication network.

After that, both users operate each mobile communication device in a function mode for performing electronic money transfer, and then the first user responds according to the instructions displayed on the screen B101 of each mobile communication device. The amount of money to be transferred is input through the input device B102 of the device B105. Then, the mobile communication device B105 of the first user moves the second user through the mobile communication network B106 after confirming the validity of the transfer amount and the like, and the first user mobile communication device number information A105. Deliver to communication device. After receiving the information, the second user mobile communication device B113 temporarily stores the information in the information control, computing and recording device B103, and then notifies the first user mobile communication device B105 of the partial completion (A108). Is sent through the mobile communication network B106. The first user mobile communication device B105 then reconfirms the validity of this transaction and then sends a completion notice A107 to the second user via the mobile communication network B106. Thereafter, the first user mobile communication device B105 subtracts the amount of money information by the amount transferred from the existing balance information of the user, and the second user mobile communication device B106 adds the amount of money transferred from the existing balance information. The information is updated and stored in the current balance information of each information control, calculation and recording device B103. In addition, each mobile communication device stores the date and time information, the transfer amount, the other party's mobile communication device number information, and the like related to this transfer transaction in the information control, calculation and recording device B103 of each mobile communication device. Thereafter, each of the user's mobile communication devices displays on the screen B101 that the electronic money transfer operation is completed. The user can confirm that all requested transfers have been completed and use electronic money for the expenditures he needs as much as the final recorded amount. Also in the fourth embodiment, when it is necessary to secure anonymity of the user, a method of not transmitting the user's mobile communication device number information to the counterpart's mobile communication device is configured.

According to a fifth embodiment of the present invention, when a user wants to pay for a user after purchasing an item or service, the electronic money is transferred from a user's mobile communication device to a store's electronic money terminal. How to do it step by step. This fifth embodiment is also an embodiment in which two devices can be contacted with each other without using a mobile communication network, or if the two devices are located at locations where direct signal exchange is possible at a short distance.

At the cashier, the store clerk displays the amount to be paid on the screen B101 of the electronic money terminal B114 installed in the store and operates the electronic money terminal for the store in a function mode for receiving a payment. The user operates the mobile communication device B105 in a function mode for performing an electronic money payment transfer, and then responds according to the guidance displayed on the screen B101 of the user mobile communication device B105, while the mobile communication device B105 operates. The amount of money to be transferred is input through the input device B102. The user then contacts the mobile communication device B105 with the electronic money terminal B114 for a store or places it in a non-contact state in the near distance. Then, the mobile communication device B105 of the user checks the validity of the transfer amount, and then transfers the amount to be transferred to the store electronic money terminal B114 and the user mobile communication device number information A109 to the user mobile communication device B105. It is transmitted through the external interface (B104). As described above, the external interface B104 may adopt a method of exchanging electronic information in a contact state and a method of exchanging information by an infrared method or an RF (Radio Frequency) signal and other methods in a non-contact manner. . The electronic money terminal B114 for a store receives this information through its external interface B104 and temporarily stores this information in the information control, computing and recording device B103, and then stores the information in the user mobile communication device B105. The device identification information such as the store name and the device number and the partial completion notification A110 are transmitted through the external interface B104. The user mobile communication device B105 then reconfirms the validity of this transaction and then sends a completion notification A107 to the electronic money terminal for the store through its external interface B104. Thereafter, the user's mobile communication device B105 subtracts the amount information by subtracting the payment amount from the existing balance information of the user, and the store electronic money terminal B114 adds the amount information by the amount of the payment received from the existing balance information. Is stored in the current balance information of each information control, calculation and recording device B103. Each device also stores date and time information, payment transfer amount, device identification information, and the like associated with this payment transfer transaction in the information control, calculation and recording device B103 of each device. Thereafter, each device displays on the screen B101 that the electronic money payment transfer operation is completed. The user can confirm that all requested payment transfers have been completed and use electronic money for the expenditures he needs as much as the final recorded amount. On the other hand, in the fifth embodiment, when it is necessary to secure the anonymity of the user, a method of not transmitting the user's mobile communication device number information to the electronic money terminal for a store is configured. In addition, in the fifth embodiment, as a method for securing more privacy rights of the user, a method of replacing the mobile communication device number with the mobile communication device manufacturing number may be configured.

A sixth embodiment of the present invention is an embodiment of a method for a user to check current balance information of electronic money recorded and stored in his mobile communication device.

This sixth embodiment is made in a very simple way. First, the user operates the user mobile communication device B105 in a function mode for checking the current balance information. Thereafter, the terminal responds via the input device B102 according to the guidance displayed on the screen B101 of the user mobile communication device B105. The user mobile communication device B105 then reads the current balance information recorded in the information control, operation and storage device 103 and displays it on the screen B101 of the user mobile communication device B105. This sixth embodiment has the same configuration and operation in a store electronic money terminal.

A seventh embodiment of the present invention is an embodiment of a method for checking a transaction history stored in a user's mobile communication device. This seventh embodiment is also made in a very simple way. First, the user operates the user mobile communication device B105 in a function mode for confirming transaction history information. Thereafter, the terminal responds via the input device B102 according to the guidance displayed on the screen B101 of the user mobile communication device B105. The user mobile communication device B105 then has date and time information, transaction amount, account number or counterparty mobile communication device number or store electronic money terminal associated with the transaction already recorded in the information control, operation and storage device 103. Device identification information is read and displayed on the screen B101 of the user mobile communication device B105. This seventh embodiment has the same configuration and operation in a store electronic money terminal.

The eighth embodiment of the present invention has the user's deposit account information when the user receives the withdrawal from the electronic money management company account and increases the available amount of electronic money stored in the user's mobile communication device, as shown in the diagram of FIG. 2B. A step-by-step method for charging electronic money from a user's electronic money management company via the Internet network is relayed to the user's mobile communication device.

First, the user possessing the mobile communication device B105 connects to the homepage server B112 of the electronic money management company through the Internet network B111 in order to receive funds from the electronic money management company system B107. In response to the homepage menu displayed on the screen B101 of the mobile communication device B105, the account number and the amount of money to be recharged are input using the input device B102. Then, if the information control, calculation and recording device B103 of the user mobile communication device B105 determines that it is justified after judging the justification of the prescribed limit of the charge request amount and other input, etc., the user's mobile communication device B105 ), Together with the account number and the amount of money to be recharged, indicates the current balance information of the electronic money recorded in the information control, calculation and recording device (B103) of the user's mobile device and the number of the user's mobile device (A101). ) Is provided to the electronic money management company system B107 via the Internet network B111. The computer B108 of the electronic money management company then determines the justification of the account number, the justification of the mobile communication device number, the appropriateness and availability of the regulations and deposit withdrawal. In this step, when the approval of the justification is made, the computer B108 of the electronic money management company calculates the sum of the current balance of the user's electronic money and the user's request for charging. Then, the electronic money management company system B107 transmits this added value information and the charging operation completion notification A102 to the user's mobile communication device B105 via the Internet network B111. Then, the user's mobile communication device updates and stores the current balance information recorded in the information control, calculation and recording device (B103) in addition to the current amount, and also the date and time information related to the transaction, the charge request amount, the account number, etc. Is stored in the information control, arithmetic and recording device B103. Thereafter, the user's mobile communication device displays an indication indicating that the electronic money charging operation is completed on the screen B101. The user can confirm that the requested recharging work has been completed and use the electronic money for the expenditures he needs as much as the final recorded amount. Also in this eighth embodiment, the modified embodiment of the first embodiment described above in which a change to the place where the calculation work is performed can be applied similarly.

In the ninth embodiment of the present invention, as shown in the diagram of FIG. 3B, when a user wants to reduce the available amount of electronic money and instead saves the amount in the account, the user can communicate with the Internet network through the relay of the Internet network. Step-by-step instructions on how to reverse charge electronic money to an electronic money management company or financial institution that has user account information.

First, the user possessing the mobile communication device B105 connects to the homepage server B112 of the electronic money management company through the Internet network B111 in order to reverse charge it to the electronic money management company system B107. The management company responds according to the homepage menu displayed on the screen B101 of the mobile communication device possessed by the user, and inputs an account number and an amount to request reverse charging using the input device B102 of the mobile communication device. Then, after the user's mobile communication device B105 determines the justification of the reverse charge amount and regulation, the user's mobile communication device information control, calculation and recording device (B103) together with the account number and the amount of information for requesting the reverse charge of the money (B103). Information on the current balance of the electronic money recorded in the system and the number information A103 of the user's mobile communication device is provided to the electronic money management company system B107 via the Internet network B111. The computer B108 of the electronic money management company then determines the justification of the account number, the mobile communication device number, the appropriateness of the regulations and savings. In this step, when the approval of the justification is made, the computer B108 of the electronic money management company calculates the amount of the reverse charge request amount of the user from the current balance of the user's electronic money. The electronic money management company system B107 then transmits the subtracted amount information and the reverse charging work completion notice A104 to the user's mobile communication device B105 via the Internet network B111. The user's mobile communication device then updates and stores the current balance information recorded in the information control, computing and recording device (B103) with this subtracted amount, and also the date and time information related to this transaction, the amount of the reverse charge request, the account. The number and the like are stored in the information control, arithmetic and recording device B103. Thereafter, the user's mobile communication device displays on the screen B101 that the reverse charging of the electronic money is completed. The user can confirm that the requested reverse charging has been completed and use the electronic money for the expenditures he needs as much as the final recorded amount. Also in this ninth embodiment, the modified embodiment of the second embodiment described above in which the change to the place where the calculation work is performed may be similarly applied.

The tenth embodiment of the present invention is similar to the fifth embodiment as shown in FIG. 6, but in order to shorten the procedure required for payment, the electronic money terminal for a store is presented without inputting the amount to be transferred by the user. This is done by simply approving the amount.

The cashier of the store at the cashier displays the amount to be paid on the screen B101 of the electronic money terminal B114 installed in the store and operates the electronic money terminal for the store in a function mode for receiving payment. The user operates the mobile communication device B105 in a functional mode for performing an electronic money payment transfer and then places the mobile communication device B105 in contact with the store electronic money terminal B114 or in a non-contact state in the near distance. . The user's mobile communication device (B105) then sends an indication to the electronic money terminal for the store, indicating that it is ready to receive the information. Then, the electronic money terminal for the store transmits the transfer payment request amount and its device identification information A111 to the user's mobile communication device. Then, after confirming the justification of the amount of the payment, the user's mobile communication device sends the user's mobile communication device number information and the partial completion notification (A112) to the electronic money terminal for the store (B114). The external interface of the user's mobile communication device (B105). Transmitting through (B104), temporarily stores the transfer payment request amount and the device identification information of the electronic money terminal for the store in the information control, calculation and recording device (B103). As described above, the external interface B104 may adopt a method of exchanging electronic information in a contact state and a method of exchanging information by an infrared method or an RF (Radio Frequency) signal and other methods in a non-contact manner. .

Thereafter, the electronic money terminal B114 for the store receives this information through its external interface B104 and temporarily stores the information in the information control, computing and recording device B103, and then the user mobile communication device B105. ), A completion notification (A113) is sent through its external interface (B104). Thereafter, the user's mobile communication device B105 subtracts the amount information by subtracting the payment amount from the existing balance information of the user, and the store electronic money terminal B114 adds the amount information by the amount received from the existing balance information. Is stored in the current balance information of each information control, calculation and recording device B103. In addition, each device stores the date and time information, payment transfer amount, device identification information, and the like associated with this payment transfer transaction in the information control, calculation and recording device B103 of each device. Thereafter, each device displays on the screen B101 that the electronic money payment transfer operation is completed. The user can confirm that all requested payment transfers have been completed and use electronic money for the expenditures he needs as much as the final recorded amount.

On the other hand, in the tenth embodiment, when it is necessary to further secure the anonymity of the user, the mobile communication device number information of the user is not transmitted to the electronic money terminal for the store or replaced with the mobile communication device manufacturing number instead of the user's mobile communication device number. Configure how.

On the other hand, as already mentioned briefly in the above embodiments, the external interface included in the user mobile communication device B105 and the electronic money terminal B114 for a store is classified into two types, a contact type and a contactless type, according to a method of exchanging electronic signals. You can do it. The non-contact type may again include a radio frequency (RF) method, an infrared signal exchange method, a Bluetooth method, a wireless local area network (LAN) method, and the like. They may be used selectively or in combination of only one of them. In addition, the input device B102 included in the user mobile communication device B105 and the electronic money terminal B114 of a store may selectively use an input button method and a touch screen method, or adopt both.

Meanwhile, in order to further improve the implementation of the present invention, consideration of technical matters, security, and safety issues in the computer and financial fields should be studied and developed by experts in the relevant fields.

As described above, the mobile communication device itself, which is becoming a necessity in daily life, has the property of electronic money, thereby weakening the space-time constraints in charge recharge, reverse recharge, user-to-user transfer, and payment transfer. It could promote convenience and widen the use of electronic money. In addition, the process of trading traditional paper and coin currency is similarly comprehensive, so that users who used cell phone payment electronic money partially for card type limited electronic money method and online payment on the internet are offline. Use will be adapted to the system provided in the present invention. As a result, it will reduce the cost of issuing money and enhance the convenience of trading.

Claims (193)

In the method for a mobile communication device having an electronic money function to receive electronic money from an electronic money management company, A user making a phone call using a mobile communication device and wirelessly connecting to a system of an electronic money management company through a mobile communication network; Inputting, by a user, an account number and a charge request amount using an input device of a mobile communication device; The information control device of the user's mobile communication device comprises the steps of: reading the current balance, mobile communication device number information recorded on its recording medium; Transmitting, by the user's mobile communication device, the account number and the charge request amount, the current balance and the mobile device number information read through the mobile communication network to the electronic money management company system; The electronic money management company system determines the legitimacy of the received account number and the charge request amount; Summing the current balance and the charge request amount received by the electronic money management company system; The electronic money management company system transmits a sum of the current balance and the charge request amount and a completion notice indicating that the steps up to now are not abnormal, to the user's mobile communication device using a mobile communication network; The mobile communication device of the user updates the recorded sum received with the current amount information of the mobile communication device; Electronic money operating method comprising a In the method for a mobile communication device having an electronic money function to receive electronic money from an electronic money management company, A user making a phone call using a mobile communication device and wirelessly connecting to a system of an electronic money management company through a mobile communication network; Inputting, by a user, an account number and a charge request amount using an input device of a mobile communication device; The mobile communication device of the user reads the mobile communication device number recorded on its recording medium; Transmitting, by the mobile communication device of the user, the account number, the charge request amount and the read mobile communication device number information to the electronic money management company system through the mobile communication network; The electronic money management company system determines the legitimacy of the received account number and the charge request amount; The electronic money management company system transmits a completion notice indicating that there are no abnormal steps up to now to the user's mobile communication device by using the mobile communication network; The user's mobile communication device adds the existing current balance and the charge request amount, and updates the recorded sum with the current amount information of the mobile communication device. Electronic money operating method comprising a In a method for a mobile communication device having an electronic money function to reverse charge electronic money to an electronic money management company, A user making a phone call using a mobile communication device and wirelessly connecting to a system of an electronic money management company through a mobile communication network; Inputting, by a user, an account number and a recharge request amount using an input device of a mobile communication device; The information control device of the mobile communication device of the user reads the current balance information and the mobile communication device number recorded on its recording medium; Transmitting, by the user's mobile communication device, the account number and the reverse charge request amount, the current balance information and the mobile device device number to the electronic money management company system through the mobile communication network; Determining the validity of the account number and the reverse charge request amount received by the electronic money management company system; The electronic money management company system subtracts the reverse charge request amount from the current balance received; The electronic money management company system transmits an amount of the reverse charge request amount subtracted from the current balance and a completion notice indicating that there is no abnormality up to the present time by using the mobile communication network to the user's mobile communication device; Updating, by the user's mobile device, the received subtracted amount with the current amount information of the mobile communication device; Electronic money operating method comprising a. In a method for a mobile communication device having an electronic money function to reverse charge electronic money to an electronic money management company, A user making a phone call using a mobile communication device and wirelessly connecting to a system of an electronic money management company through a mobile communication network; Inputting, by a user, an account number and a recharge request amount using an input device of a mobile communication device; An information control apparatus of a mobile communication device of a user reads the mobile communication device number recorded on its recording medium; Transmitting, by the user's mobile communication device, the account number, the reverse charge request amount and the read mobile communication device number to the electronic money management company system through the mobile communication network; Determining the validity of the account number and the reverse charge request amount received by the electronic money management company system; The electronic money management company system transmits a completion notice indicating that there are no abnormal steps up to now to the user's mobile communication device by using the mobile communication network; The mobile communication device of the user comprises the step of subtracting the reverse charge request amount from the existing current amount, and updating the reduced amount with the current value information of the mobile communication device. When using mobile communication devices having an electronic money function, the movement of the second user in the mobile communication device of the first user, without using a mobile communication network, by directly communicating with the RF signal using an external interface installed in the two devices. In the method for transferring electronic money to a communication device, A first user converting a function mode of his mobile communication device into a function mode for transferring electronic money, using an input device of his mobile communication device, and then inputting a transfer request amount; The mobile communication device of the first user transmits the transfer request amount and the mobile communication device number information read from its recording medium to the mobile communication device of the second user through an external interface; Transmitting, by the mobile communication device of the second user, a partial completion notification to the first user via its external interface, indicating that the mobile communication device number and the steps up to now are not abnormal; Transmitting, by the mobile communication device of the first user to the second user mobile communication device via the external interface, a completion notice indicating that there is no abnormality up to now; Updating and recording, by the current user balance information, the first user mobile communication device with the current balance information by subtracting the transfer request amount from the existing current balance information read from the recording medium; Updating, by the second user mobile communication device, the sum of the existing current balance information read from the recording medium and the transfer request amount as the current balance information; Electronic money operating method comprising a A method for transferring electronic money from a mobile communication device of a first user to a mobile communication device of a second user while communicating with each other through a mobile communication network when using mobile communication devices having an electronic money function, A first user calling a mobile communication device of a second user using his mobile communication device and wirelessly connecting using a mobile communication network; A first user converting a function mode of his mobile communication device into a function mode for transferring electronic money, using an input device of his mobile communication device, and then inputting an amount to be transferred; Transmitting, by the mobile communication device of the first user, the input transfer request amount and its mobile communication device number information read from its recording medium to the mobile communication device of the second user through the mobile communication network; Sending, by the mobile communication device of the second user, a partial completion notification to the first user mobile communication device via the mobile communication network, indicating that the steps up to now are not abnormal; Transmitting, by the mobile communication device of the first user to the second user mobile communication device via the external interface, a completion notice indicating that there is no abnormality up to now; Updating and recording, by the current user balance information, the first user mobile communication device with the current balance information by subtracting the transfer request amount from the existing current balance information read from the recording medium; Updating, by the second user mobile communication device, the sum of the existing current balance information read from the recording medium and the transfer request amount as the current balance information; Electronic money operating method comprising a To transfer electronic money from a mobile communication device having a user's electronic money function to a store's electronic money terminal without directly using a mobile communication network and directly communicating with an RF signal using an external interface installed on two devices. In the method, The user switches the function mode of his mobile communication device to a function mode for paying electronic money using an input device of his mobile communication device, and then inputs a payment transfer request amount to his mobile communication device. step; The mobile communication device of the user transmits the input payment request amount, the mobile communication device number information read from its recording medium to the electronic money terminal for the store through an external interface; The electronic money terminal for a store transmits, to the user mobile communication device, the identification information of the own device and a partial completion notification indicating that there is no abnormality up to now, through the external interface thereof. Transmitting, by the mobile communication device of the user, a completion notice indicating that the steps up to now are not abnormal to the electronic money terminal for a store through its external interface; Updating and recording, by the user's mobile communication device, the amount obtained by subtracting the payment transfer request amount from the existing current balance information read from the recording medium with the current balance information; Updating and recording the sum of the existing current balance information read from the recording medium and the payment transfer request amount with the current balance information by the store electronic money terminal; Electronic money operating method comprising a The method according to claim 5, 6 or 7, wherein the user's mobile communication devices do not read their mobile communication device number from their recording media and do not transmit them to the counterpart device. The method of claim 7, wherein the user's mobile communication device reads the machine number of the mobile communication device and transmits it to a store electronic money terminal in place of its mobile communication device number. The method of operating the electronic money according to claim 5, 7, 8 or 9, wherein the communication method via an external interface uses an infrared signal communication method. The method of operating the electronic money according to claim 5, 7, 8 or 9, wherein the communication method via an external interface uses a method of communicating an electronic signal in a contact state. The method of communication according to claim 5, 7, 8 or 9, wherein the communication method through the external interface using a Bluetooth communication method of the wireless data communication method. The method of operating the electronic money according to claim 5, 7, 8, or 9, wherein the communication method through an external interface uses a communication method using a wireless LAN method. The method according to claim 7, 9, 10, 11, 12, or 13, wherein the user transfers payment to a store's electronic money terminal using his mobile communication device, wherein the user has his / her mobile communication. Displaying an amount to be paid on the screen of a store's electronic money terminal as a preceding step of inputting an amount to be paid for electronic money using an input device of the device. Electronic money operating method further comprising In the method for checking the current balance information in a mobile communication device having an electronic money function, Converting the mobile communication device into a function mode for checking a current balance by using a user input device of the mobile communication device; The mobile communication device reads the current balance information stored in its recording medium; The mobile communication device displaying the current balance information on the screen by letters and numbers Electronic money operating method comprising a In the method for checking the current balance information in a mobile communication device having an electronic money function, Converting the mobile communication device into a function mode for checking a current balance by using a user input device of the mobile communication device; Reading, by the mobile communication device, current balance information stored in its recording medium; The mobile communication device displaying the current balance information by voice; Electronic money operating method comprising a In the method for checking transaction history information in a mobile communication device having an electronic money function, Converting the mobile communication device into a function mode for confirming a transaction history by using a user input device of the mobile communication device; The mobile communication device reads the date and time, the transaction amount, the account number or the other party's mobile communication device number or identification information of the electronic money terminal for the store related to the transaction recorded on its recording medium; Displaying, by the mobile communication device, the transaction history information in letters and numbers on a screen; Electronic money operating method comprising a In the method for a mobile communication device having an electronic money function to receive electronic money from an electronic money management company, A user making an internet connection to a system of an electronic money management company through an internet network using a mobile communication device; Inputting, by a user, an account number and a charge request amount using an input device of a mobile communication device; The information control device of the mobile communication device of the user reads the current balance information and the mobile communication device number recorded on its recording medium; Transmitting, by the user's mobile communication device, the account number and the charge request amount, the current balance information and the mobile device device number to the electronic money management company system through the Internet network; The electronic money management company system determines the legitimacy of the received account number and the charge request amount; Summing the current balance and the charge request amount received by the electronic money management company system; The electronic money management company system transmits an amount of the sum of the current balance and the charge request amount and a completion notice indicating that there is no abnormality to the mobile communication device of the user through the Internet network; The mobile communication device of the user updates the recorded sum received with the current amount information of the mobile communication device; Electronic money operating method comprising a In the method for a mobile communication device having an electronic money function to receive electronic money from an electronic money management company, A user making an internet connection to a system of an electronic money management company through an internet network using a mobile communication device; Inputting, by a user, an account number and a charge request amount using an input device of a mobile communication device; An information control apparatus of a mobile communication device of a user reads the mobile communication device number recorded on its recording medium; Transmitting, by the mobile communication device of the user, the account number, the charge request amount and the read mobile communication device number to the electronic money management company system through the Internet network; The electronic money management company system determines the legitimacy of the received account number and the charge request amount; The electronic money management company system transmits a completion notice to the user's mobile communication device indicating that there is no abnormality up to now. The user's mobile communication device adds the charge request amount to the existing current balance, and updates the recorded amount with the current amount information of the mobile communication device. Electronic money operating method comprising a In a method for a mobile communication device having an electronic money function to reverse charge electronic money to an electronic money management company, A user connecting the Internet to a system of an electronic money management company through an internet network using a mobile communication device; Inputting, by a user, an account number and a recharge request amount using an input device of a mobile communication device; The information control device of the mobile communication device of the user reads the current balance information and the mobile communication device number recorded on its recording medium; Transmitting, by the user's mobile communication device, the account number and the reverse charge request amount, the current balance information and the mobile device device number to the electronic money management company system through the Internet network; Determining the validity of the account number and the reverse charge request amount received by the electronic money management company system; The electronic money management company system subtracts the reverse charge request amount from the current balance received; The electronic money management company system transmits an amount of the reverse charge request amount subtracted from the current balance and a completion notice indicating that there is no abnormality up to now, to the user's mobile communication device using the Internet network; Updating, by the user's mobile device, the received subtracted amount with the current amount information of the mobile communication device; Electronic money operating method comprising a. In a method for a mobile communication device having an electronic money function to reverse charge electronic money to an electronic money management company, A user connecting the Internet to a system of an electronic money management company through an internet network using a mobile communication device; Inputting, by a user, an account number and a recharge request amount using an input device of a mobile communication device; An information control apparatus of a mobile communication device of a user reads the mobile communication device number recorded on its recording medium; Transmitting, by the user's mobile communication device, the account number, the reverse charge request amount, and the mobile communication device number to the electronic money management company system through the Internet network; Determining the validity of the account number and the reverse charge request amount received by the electronic money management company system; The electronic money management company system transmits a completion notice to the user's mobile communication device indicating that there is no abnormality up to now. The mobile communication device of the user comprises the step of subtracting the reverse charge request amount from the existing current balance, and updating the reduced amount with the current amount information of the mobile communication device. To perform charging, reverse charging, transfer, payment transfer transactions of electronic money, User mobile communication devices having an electronic money function; A mobile communication network and an internet network for relaying data; A store electronic money terminal having an electronic money function; Electronic money management system including electronic money management company system with the ability to manage electronic money and deposit accounts As a user mobile communication device having a charge, reverse charge, transfer, payment transfer transaction, balance check function of electronic money, A transceiver for transmitting and receiving through a data network; A screen device for outputting information; An input button device for inputting information; A semiconductor device having a function for controlling, calculating, and recording information; A mobile communication device system comprising an external interface device for communicating information directly with another device. 23. The mobile communication device system having a touch screen instead of an input button as a device for inputting information. 23. The mobile communication device system further comprising a touch screen as a device for inputting information. To manage the charging and recharging of electronic money and to manage the user's deposit account ARS and SMS for responding and guiding a user input; A home page server providing a home page to a user; Computers that control, compute, and record and manage data Electronic money management company system including Payment transfer transaction of electronic money, balance check function, A transceiver for transmitting and receiving through a data network; A screen device for outputting information; An input button device for inputting information; A semiconductor device having a function for controlling, calculating, and recording information; External interface for communicating information directly with mobile communication devices with electronic money Electronic money terminal system for a shop comprising a device. The mobile communication device system of claim 27, wherein the device for inputting information has a touch screen instead of an input button. The mobile communication device system of claim 27, further comprising a touch screen as a device for inputting information. With reverse charging, transfer, payment transfer, balance check function of electronic money, A transceiver for transmitting and receiving through a data network; A screen device for outputting information; An input button device for inputting information; A semiconductor device having a function for controlling, calculating, and recording information; External interface for communicating information directly with mobile communication devices with electronic money Electronic money terminal system for a shop comprising a device. The mobile communication device system having a touch screen instead of an input button as a device for inputting information according to the above 30. The mobile communication device system further comprising a touch screen as a device for inputting information in the above 30. A device that transfers the value of electronic money from the account of a financial institution to the mobile communication device using mobile phone communication and updates and stores the transferred value in addition to the value recorded in the storage device that stores the value of the electronic money of the mobile communication device. Mobile communication device characterized in that it has a. In order to perform the charging function to transfer the value of electronic money from the electronic money management company system to the portable mobile communication device system, A system for processing the input contents to express numbers, commands, etc. from an external input device; A system for externally outputting electronic data in the form of voice or text; A system for transmitting and receiving electronic data related to electronic money and instructions for performing electronic money related functions through a mobile communication network or an internet network; A portable mobile communication device system comprising a system for electronically writing, reading, and storing electronic money. The portable mobile communication system of claim 34, further comprising a system for electronically calculating the amount of electronic money. In order to perform the reverse charging function to transfer the value of electronic money from the portable mobile communication device system to the electronic money management company system, A system for processing the input contents to express numbers, commands, etc. from an external input device; A system for externally outputting electronic data in the form of voice or text; A system for transmitting and receiving electronic data related to electronic money and instructions for performing an electronic money related function through a mobile communication network or an internet network; System for writing, reading and storing electronic money amounts electronically Portable mobile communication system, characterized in that equipped with. The portable mobile communication system of claim 36, further comprising a system for electronically calculating the amount of electronic money. In order to perform the transfer function for transferring the value of electronic money from the first portable communication device system to the second portable communication device system, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for transmitting and receiving electronic data related to electronic money and instructions for performing an electronic money related function through a mobile communication network or an internet network; A system for electronically writing, reading and storing electronic money amounts; System for calculating electronic money amount electronically Portable mobile communication system, characterized in that equipped with. In order to perform the transfer function for transferring the value of electronic money from the first portable communication device system to the second portable communication device system, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for electronically communicating electronic data related to electronic money and instructions for performing an electronic money related function, using a contact method; A system for electronically writing, reading and storing electronic money amounts; A system for electronically calculating the electronic money amount; Portable mobile communication system, characterized in that equipped with. In order to perform the transfer function for transferring the value of electronic money from the first portable communication device system to the second portable communication device system, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for electronically communicating electronic data related to electronic money and instructions for performing an electronic money related function using a contactless short range wireless communication scheme; A system for electronically writing, reading and storing electronic money amounts; A system for electronically calculating the electronic money amount; Portable mobile communication system, characterized in that equipped with. In the above 40, the contactless short-range wireless communication method is a portable mobile communication device system using an infrared communication method. In the above 40, the contactless near field communication method is a portable mobile communication system using a wireless LAN communication method. In the above 40, the contactless short-range wireless communication system is a portable communication device system using a Bluetooth communication system. In order to perform a payment transfer function that transfers the value of electronic money from a portable mobile communication device system to an electronic money terminal system for a store, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for electronically communicating electronic data related to electronic money and instructions for performing an electronic money related function, using a contact method; A system for electronically writing, reading and storing electronic money amounts; Portable mobile communication system, characterized in that equipped with. In order to perform a payment transfer function that transfers the value of electronic money from a portable mobile communication device system to an electronic money terminal system for a store, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for electronically communicating electronic data related to electronic money and instructions for performing an electronic money related function using a contactless short range wireless communication scheme; A system for electronically writing, reading and storing electronic money amounts; Portable mobile communication system, characterized in that equipped with. In the above 45, the non-contact short-range wireless communication method is a portable mobile communication system using an infrared communication method. In the above 45, the contactless near field communication system is a portable mobile communication device system using a wireless LAN communication method. In the above 45, the contactless near field communication system is a portable mobile communication system using a Bluetooth communication system. 44, 45, 46, 47, 48 above, the portable mobile communication device system characterized in that it further comprises a system for electronically calculating the amount of electronic money. In order to check the current balance of the electronic money value stored in the portable mobile communication device, A system for inputting a command to perform a balance check function; A system in which electronic money value information is electronically stored; A system for outputting electronically stored electronic money value information by voice or numbers and letters; Portable mobile communication system, characterized in that equipped with. In order to check the transaction history of the electronic money stored in the portable mobile communication device, An input system for inputting a command for performing a transaction history checking function; A system in which electronic money transaction history information such as a date and a transaction amount is electronically stored; A system for outputting electronically stored transaction history information by voice or numbers and letters; Portable mobile communication system, characterized in that equipped with. In order to perform the charging function to transfer the value of electronic money from the electronic money management company system to the portable mobile communication device system, A mobile communication network for transmitting electronic information and data relating to electronic money values; A system that functions to relay electronic information and data relating to electronic money values; Mobile communication management system comprising a. In order to perform the charging function to transfer the value of electronic money from the electronic money management company system to the portable mobile communication device system, An Internet management system characterized by having an internet relay computer for transmitting electronic information and data relating to electronic money values. In order to perform the reverse charging function to transfer the value of electronic money from the portable mobile communication device system to the electronic money management company system, A mobile communication network for transmitting electronic information and data relating to electronic money values; A system that functions to relay electronic information and data relating to electronic money values; Mobile communication management system comprising a. In order to perform the reverse charging function to transfer the value of electronic money from the portable mobile communication device system to the electronic money management company system, An Internet management system characterized by having an internet relay computer for transmitting electronic information and data relating to electronic money values. In order to perform the transfer function for transferring the value of electronic money from the first portable communication device system to the second portable communication device system, A mobile communication network for transmitting electronic information and data relating to electronic money values; A system that functions to relay electronic information and data relating to electronic money values; Mobile communication management system comprising a. In order to perform the transfer function for transferring the value of electronic money from the first portable communication device system to the second portable communication device system, An Internet management system characterized by having an internet relay computer for transmitting electronic information and data relating to electronic money values. In order to perform the charging function to transfer the value of electronic money from the electronic money management company system to the portable mobile communication device system, Storage for storing electronic money value information; A computer system for processing information relating to electronic money; Electronic money management company system comprising a. In order to perform the reverse charging function to transfer the value of electronic money from the portable mobile communication device system to the electronic money management company system, Storage for storing electronic money value information; A computer system for processing information relating to electronic money; Electronic money management company system comprising a. Instead of using a network, and using an external interface installed on two devices to communicate electronic signals in a contact manner, the value of electronic money is transferred from a portable mobile communication device having a user's electronic money function to a store's electronic money terminal. In the method for performing the transfer payment function, Transmitting, by the electronic money terminal for the store, the payment request amount data to the portable mobile communication device through its external interface; The portable mobile communication device transmits, through its external interface, a completion notification indicating that the identification information and the steps up to now are not abnormal; Electronically updating and recording, by the portable mobile communication device, a new current balance information on a recording medium of the existing mobile balance by subtracting the payment transfer request amount from the existing current balance; Electronically updating and recording the sum of the existing current balance and the payment transfer request amount, with the new current balance information on its recording medium; Electronic money operating method comprising a. In the above paragraph 60, the method of communicating electronic signals between two devices uses a contactless near field communication method. In the above paragraph 60, the method of communicating electronic signals between two devices uses an infrared communication method. In the above paragraph 60, a method of communicating electronic signals between two devices uses a wireless LAN method. In the above paragraph 60, a method of communicating an electronic signal between two devices uses a Bluetooth method. In paragraphs 60, 61, 62, 63, and 64 above, a portable mobile communication device does not transmit its identification information to a store's electronic money terminal. According to the above 60, 61, 62, 63, 64, 65, further comprising the step of displaying a payment transfer request amount in letters and numbers or by voice on the screen of the electronic money terminal for the store. Electronic money operating method that includes Transfers payments from a portable mobile communication device with a user's electronic money function to a store's electronic money terminal, using the external interface installed on the two devices to communicate electronic signals with each other without using a network. In the method for performing Transmitting, by the electronic money terminal for a store, the payment request amount information to a portable mobile communication device through an external interface thereof; The portable mobile communication device transmits, through its external interface, a completion notification indicating that the identification information and the steps up to now are not abnormal; Electronically updating and recording, by the portable mobile communication device, a new current balance information on a recording medium of the existing mobile balance by subtracting the payment transfer request amount from the existing current balance; The electronic money terminal for the store transmits the request information of the payment amount to the designated account of the electronic money management company system, The electronic money management company system electronically updates and records the sum of the existing balance information and the payment transfer request amount as new current balance information on its recording medium. Electronic money operating method comprising a. Paragraph 67 above is a method of communicating electronic signals between two devices using a contactless near field communication method. The method of communicating an electronic signal between two devices in paragraph 67 above uses an infrared communication method. Paragraph 67 above is a method of communicating an electronic signal between two devices using a wireless LAN method. Paragraph 67 above uses a Bluetooth method to communicate electronic signals between two devices. In paragraphs 67, 68, 69, 70, and 71 above, the portable mobile communication device does not transmit its identification information to a store's electronic money terminal. Paragraphs 67, 68, 69, 70, 71, and 72, wherein the store electronic money terminal further displays a payment transfer request amount in letters and numbers or by voice output on its screen. Electronic money operating method that includes A method for performing a charging function for transferring the value of electronic money from an electronic money management company system to a portable mobile communication device having an electronic money function, Connecting the portable mobile communication device to a system of an electronic money management company through a mobile communication or an Internet network; Electronically transmitting, by the portable mobile communication device, the charge request amount input by the user to the electronic money management company system; Updating, by the portable mobile communication device, the sum of the existing current balance information and the charge request amount into the storage device as the new current balance information. Electronic money operating method comprising a A method for performing a reverse charging function for transferring the value of electronic money from a portable mobile communication device having an electronic money function to an electronic money management company system, Connecting the portable mobile communication device to a system of an electronic money management company through a mobile communication or an Internet network; Electronically transmitting, by the portable mobile communication device, the information of the reverse charge request amount input by the user to the electronic money management company system; Updating, by the portable mobile communication device, the amount of which the reverse charge request amount is subtracted from the existing current balance information into its storage device as the new current balance information; Electronic money operating method comprising a A method for performing a transfer function for transferring a value of electronic money from a portable mobile communication device of a first user to a portable mobile communication device of a second user when using portable mobile communication devices having an electronic money function, Connecting the mobile communication device of the first user to the mobile communication device of the second user by using a mobile communication or an Internet network; Transmitting, by the mobile communication device of the first user, the transfer request amount information to the mobile communication device of the second user; Updating, by the first user mobile communication device, with the new current balance information in the storage device of the first user mobile communication device by subtracting the transfer request amount from the current balance information of the existing first user; Updating, by the second user mobile communication device, with the new current balance information in the own storage device, the sum of the sum of the existing balance information of the existing second user and the transfer request amount; Electronic money operating method comprising a When using portable mobile communication devices having an electronic money function, the value of electronic money can be transferred from the portable mobile communication device of the first user to the portable mobile communication device of the second user by using an interface installed on both devices without using a network. In the method for performing a transfer function for transferring in a contact electronic signal communication method between mobile communication devices, Transmitting, by the mobile communication device of the first user, the transfer request amount information to the mobile communication device of the second user; Updating, by the first user mobile communication device, with the new current balance information in the storage device of the first user mobile communication device by subtracting the transfer request amount from the current balance information of the existing first user; Updating, by the second user mobile communication device, with the new current balance information in the own storage device, the sum of the sum of the existing balance information of the existing second user and the transfer request amount; Electronic money operating method comprising a Paragraph 77 above is a method of communicating electronic signals between two devices using a contactless near field communication method. In the above paragraph 77, the method of communicating electronic signals between two devices uses an infrared communication method. Clause 77 above uses a wireless LAN method to communicate electronic signals between two devices. Clause 77 above uses a Bluetooth method to communicate electronic signals between two devices. Transfers the value of electronic money from a portable mobile communication device with electronic money to a store's electronic money terminal without touching the network between two devices, using an external interface installed on the two devices, and communicating electronically in a contact manner. In the method for performing a payment transfer function, The portable mobile communication device electronically transmits payment request amount information and its identification information to an electronic money terminal for a store through an external interface; The electronic money terminal for a store transmits a completion notification to the user mobile communication device through its external interface, indicating that the steps up to now are not abnormal; Electronically updating and recording, by the portable mobile communication device, a new current balance information on a recording medium of the existing mobile balance by subtracting the payment transfer request amount from the existing current balance; Electronically updating and recording the sum of the existing current balance and the payment transfer request amount, with the new current balance information on its recording medium; Electronic money operating method comprising a. 82. The method of communicating an electronic signal between two devices in paragraph 82 above using a contactless near field communication method. 82. The method of communicating an electronic signal between two devices in the above 82 method is an infrared communication method. In the above 82, the method of communicating an electronic signal between two devices uses a wireless LAN method. Clause 82 above uses a Bluetooth method to communicate electronic signals between two devices. In the above 82, 83, 84, 85, 86, the portable mobile communication device does not transmit its identification information to the store electronic money terminal Clause 82, 83, 84, 85, 86, 87 of the above, wherein the store electronic money terminal further displays the payment transfer request amount in letters and numbers or voice output on its screen. Electronic money operating method that includes Performing a payment transfer function from a portable mobile communication device having an electronic money function to a store electronic money terminal by contacting each other electronically using a contact interface using an external interface installed on the two devices without using a network between the two devices. In the method for The portable mobile communication device electronically transmits payment request amount information and its identification information to an electronic money terminal for a store through an external interface; The electronic money terminal for a store transmits a completion notification to the user mobile communication device through its external interface, indicating that the steps up to now are not abnormal; Electronically updating and recording, by the portable mobile communication device, a new current balance information on a recording medium of the existing mobile balance by subtracting the payment transfer request amount from the existing current balance; The electronic money terminal for the store transmits the request information of the payment amount to the designated account of the electronic money management company system, The electronic money management company system electronically updates and records the sum of the existing balance information and the payment transfer request amount as new current balance information on its recording medium. Electronic money operating method comprising a. 89. The method of communicating an electronic signal between two devices in the above 89 method uses a contactless near field communication method. 89. The method of communicating electronic signals between two devices in accordance with the above-mentioned method using an infrared communication method. Clause 89, the method of communicating electronic signals between two devices using a wireless LAN method. Clause 89 above uses a Bluetooth method to communicate electronic signals between two devices. In the above 89, 90, 91, 92, 93, the portable mobile communication device does not transmit its identification information to the electronic money terminal for the store 89, 90, 91, 92, 93, 94, wherein the store electronic money terminal further displays the payment transfer request amount in letters and numbers or voice output on its screen. Electronic money operating method that includes In order to perform a payment transfer function that transfers the value of electronic money from a portable mobile communication device system to an electronic money terminal system for a store, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for electronically communicating electronic data related to electronic money and instructions for performing an electronic money related function, using a contact method; A system for electronically writing, reading and storing electronic money amounts; Electronic money terminal system for shops, characterized in that equipped with. In order to perform a payment transfer function that transfers the value of electronic money from a portable mobile communication device system to an electronic money terminal system for a store, An input processing system for processing contents input to express numbers, commands, etc. from an external input device; An output system for externally outputting electronic data in the form of voice or text; A system for electronically communicating electronic data related to electronic money and instructions for performing an electronic money related function using a contactless short range wireless communication scheme; A system for electronically writing, reading and storing electronic money amounts; Electronic money terminal system for shops, characterized in that equipped with. In the above 97, the contactless short-range wireless communication system is an electronic money terminal system for shops using an infrared communication method. In the above 97, the contactless short-range wireless communication method is a store-based electronic money terminal system using a wireless LAN communication method. In the above 97, the contactless short-range wireless communication system is a store-based electronic money terminal system using the Bluetooth communication method. 97, 98, 99, 100, 101 above the electronic money terminal system for shops, further comprising a system for electronically calculating the amount of electronic money. In the method for checking the current balance information of the electronic money in a portable mobile communication device having an electronic money function, The portable mobile communication device reads the current balance information stored in its recording medium; The mobile communication device outputs the current balance information as text and numbers on voice or screen Electronic money operating method comprising a In the method for checking transaction history information in a portable mobile communication device having an electronic money function, The portable mobile communication device may include reading information such as a date, an electronic money transaction amount, and the like related to a transaction recorded on its recording medium; Displaying, by the mobile communication device, the transaction history information in letters and numbers on a screen; Electronic money operating method comprising a. In order to perform the function to charge electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Via the mobile communication network, the Internet network or the wired communication network, or through a method of selectively combining them, the information including the electronic money recharge request amount information is transmitted to the electronic money management company system and the information including the completion notification information is transmitted electronically. A system for receiving electronically from a money management company system; System to electronically store electronic money amount information Handheld mobile communication device system. A portable mobile communication device system further comprising a system for electronically calculating electronic money amount information in paragraph 104 above. In order to perform the function to reverse charge electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Through the mobile communication network, the Internet network or the wired communication network, or by selectively combining them, the information including the electronic money reverse charge request amount information is transmitted to the electronic money management company system and the information including the completion notification information is transmitted. A system for receiving electronically from an electronic money management company system; System to electronically store electronic money amount information Handheld mobile communication device system. The portable mobile communication device system further comprising a system for electronically calculating electronic money amount information according to the above 106. In order to perform the function to transfer electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Through a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them, the information including the electronic money transfer request amount information is transmitted to another portable mobile communication device system and the information including the completion notification information is transmitted. A system for electronically receiving from another portable mobile communication device system; System to electronically store electronic money amount information Handheld mobile communication system In order to perform the function to transfer electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; A system for transmitting information including electronic money transfer request amount information to another portable mobile communication device system and receiving information including completion notification information from another portable mobile communication device system through a contact electronic signal communication method; System to electronically store electronic money amount information Handheld mobile communication system In 109 above, the electronic signal communication method is not a contact type, but a portable communication device system using a non-contact short range wireless communication method. In the above section 110, the contactless short-range wireless communication method is a portable mobile communication device system using an infrared communication method. In claim 110, the contactless short-range wireless communication system is a portable mobile communication device system using the RF method. In the above section 110, the contactless near field communication system is a portable mobile communication device system using a wireless LAN communication method. In the above section 110, the non-contact short-range wireless communication method is a portable mobile communication device system using the Bluetooth communication method. In 108, 109, 110, 111, 112, 113 and 114 above, the system for calculating electronic money amount information electronically Additional portable mobile device system. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Information including the electronic money payment transfer request amount information to the electronic money terminal system for a store through the mobile communication network or the Internet network or a wired communication network or through a method of selectively combining them, and including the completion notification information. A system for receiving a message electronically from a store electronic money terminal system; A system for electronically storing electronic money amount information; Handheld mobile communication system In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Through the contact electronic signal communication method, to transmit the information including the electronic money payment transfer request amount information to the store electronic money terminal system and to receive the information including the completion notification information from the store electronic money terminal system electronically. system; System to electronically store electronic money amount information Handheld mobile communication system In 117 above, the electronic signal communication method is not a contact type, but a portable mobile communication system using a contactless short range wireless communication method. In 118 above, the contactless near field communication system is a portable mobile communication device system using an infrared communication method. In 118 above, the contactless short-range wireless communication method is a portable mobile communication system using the RF method. In 118 above, the contactless near field communication method is a portable mobile communication device system using a wireless LAN communication method. In 118 above, the contactless short-range wireless communication system uses a Bluetooth communication system. A portable mobile communication device system further comprising a system for electronically calculating electronic money amount information in 116, 117, 118, 119, 120, 121, and 122 above. In order to check the electronic money balance information stored electronically in the portable mobile communication device system, An input system for receiving a command for performing a balance check function and processing the input information; A system in which electronic money balance information is electronically stored; A system for outputting electronically stored electronic money amount information in the form of sound information or in the form of visual information including numbers and letters; Handheld mobile communication device system. In order to check the transaction history of electronic money stored electronically in the portable mobile communication device, An input system for inputting a command to perform a transaction history checking function and processing the input information; A system in which electronic money transaction history information including a date and a transaction amount is electronically stored; A system for outputting electronically stored electronic money transaction history information including date and transaction amount in the form of sound information or in the form of visual information including numbers and letters. Handheld mobile communication device system. In order to perform the function to charge electronic money, Mobile communication network operating system for delivering electronic money amount information. In order to perform the function to charge electronic money, Wired communication network operating system that delivers electronic money amount information. In order to perform the function to charge electronic money, Electronic computer system that electronically conveys electronic money value information. In order to perform the function to reverse charge electronic money, Mobile communication network operating system for delivering electronic money amount information. In order to perform the function to reverse charge electronic money, Wired communication network operating system that delivers electronic money amount information. In order to perform the function to reverse charge electronic money, Electronic computer system that electronically conveys electronic money value information. In order to perform the function to transfer electronic money, Mobile communication network operating system for delivering electronic money amount information. In order to perform the function to transfer electronic money, Wired communication network operating system that delivers electronic money amount information. In order to perform the function to transfer electronic money, Electronic computer system that electronically conveys electronic money value information. In order to perform the function to transfer the electronic money, Mobile communication network operating system for delivering electronic money amount information. In order to perform the function to transfer the electronic money, Wired communication network operating system that delivers electronic money amount information. In order to perform the function to transfer the electronic money, Electronic computer system that electronically conveys electronic money value information. In order to perform the function to charge electronic money, A system for electronically storing electronic money amount information; A computer system for electronically processing charging instructions and operations of electronic money; Electronic money management company system. In order to perform the function of reverse charging the electronic money, A system for electronically storing electronic money amount information; A computer system for electronically processing reverse charge instructions and operations of electronic money; Electronic money management company system. The electronic money management company system according to any one of claims 138 and 139, further comprising an ARS system for automatically responding to information transmitted from a portable mobile communication device system. The electronic money management company system of Claims 138, 139, and 140 further equipped with the SMS system which sends a text message. In the method for performing a function for charging electronic money, Connecting, by the portable mobile communication device system, to the electronic money management company system through a mobile communication network, a wired communication network or an internet network, or through a combination thereof; Transmitting, by the portable mobile communication device system, the charge request amount input by the user to the electronic money management company system through a mobile communication network or a wired communication network or an internet network, or a combination thereof; Receiving, by the portable mobile communication device system, the completion notification information electronically from the electronic money management company system through a mobile communication network or a wired communication network or an internet network, or a combination thereof; The information of the sum of the existing balance information of the electronic money stored in the portable mobile communication device system and the charge request amount information is added to the portable mobile communication device system electronically as a new balance information of the electronic money in its own storage device. Recording and storing the update; Electronic money operating method comprising a The method of claim 142, wherein The electronic money management company system stores information on the amount of money from which the charge request amount information is subtracted from the existing balance information of electronic money stored electronically in the designated account of the electronic money management company system. And electronically updating, recording and storing the new balance information of the electronic money. In the method for performing a function for reverse charging of electronic money, Connecting, by the portable mobile communication device system, to the electronic money management company system through a mobile communication network, a wired communication network or an internet network, or through a combination thereof; Transmitting, by the portable mobile communication device system, information of the reverse charge request amount input by the user to the electronic money management company system through a mobile communication network or a wired communication network or an internet network, or a combination thereof; Receiving, by the portable mobile communication device system, the completion notification information electronically from the electronic money management company system through a mobile communication network or a wired communication network or an internet network, or a combination thereof; The information of the amount of the reverse charge request amount information is subtracted from the existing balance information of the electronic money stored electronically in the portable mobile communication device system. Updating and recording and storing; Electronic money operating method comprising a 144. The method of claim 144 above, wherein The amount of the sum of the existing balance information of the electronic money stored in the electronic money management company system and the recharge request amount information, which is electronically stored in the electronic account of the electronic money management company system, is stored. And electronically updating, recording and storing the new balance information of the money. In the method for performing a function for transferring electronic money, Accessing, by a mobile communication device system of the first user, the portable mobile communication device system of the first user through a mobile communication network or an internet network or a wired communication network, or a combination thereof selectively; Through a mobile communication network or an internet network or a wired communication network, or by selectively combining them, the portable mobile communication device system of the first user transmits the transfer request amount information to the portable mobile communication device system of the second user. step; Through a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them, the mobile communication device system of the first user receives the completion notification information electronically from the mobile communication device system of the second user. Doing; The information on the amount of money from which the transfer request amount information is subtracted from the existing balance information stored electronically in the portable mobile communication device system of the first user is transferred to the storage device by the portable mobile communication device of the first user. Electronically updating, recording and storing the new balance information; The information on the sum of existing balance information stored electronically in the portable mobile communication device system of the second user and the transfer request value information is added to the electronic device by the portable mobile communication device system of the second user. Electronically updating and recording and storing the new balance information in the electronic device; Electronic money operating method comprising a. In the method for performing a function for transferring electronic money, Transmitting, by the portable mobile communication device system of the first user, the transfer request amount information to the portable mobile communication device system of the second user by using a contact electronic signal communication method using an interface installed on both devices; Receiving, by the portable mobile communication device system of the first user, the completion notification information from the portable mobile communication device system of the second user by a contact electronic signal communication method; The first user's portable mobile communication device system converts the electronic money into its storage device from the existing balance information stored electronically in the portable mobile communication device system of the first user. Electronically updating and recording and storing the new balance information in the electronic device; The information on the sum of existing balance information stored electronically in the portable mobile communication device system of the second user and the transfer request value information is added to the electronic device by the portable mobile communication device system of the second user. Electronically updating and recording and storing the new balance information in the electronic device; Electronic money operating method comprising a The method of communicating an electronic signal between two devices in 147 above uses a non-contact short range wireless communication method. 148. The method of claim 147, 148, further comprising the step of the portable mobile communication device system of the first user transmitting its identification information to the portable mobile communication device system of the second user. Electronic money operating method further comprising. In the method for performing a function for payment transfer of electronic money, Connecting the portable mobile communication device system to the electronic money terminal system for a store through a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them; Transmitting, by the portable mobile communication device system, the payment transfer request amount information to the electronic money terminal system for a store through a mobile communication network or an internet network or a wired communication network, or a combination thereof; Electronically, via the mobile communication network or the Internet network or the wired communication network, or in a manner of selectively combining them, the portable mobile communication device system electronically receiving the completion notification information from the shop electronic money terminal system; The information on the amount of money from which the payment transfer request amount information is subtracted from the existing balance information stored electronically in the portable mobile communication device system is updated by the portable mobile communication device electronically with new balance information of electronic money in its storage device. Recording and remembering; The information of the sum of the existing balance information stored electronically in the store electronic money terminal system and the transfer request value information is added electronically as a new balance information of electronic money in the storage device of the store electronic money terminal system. Updating and recording and storing; Electronic money operating method comprising a. In the method for performing a function for payment transfer of electronic money, Transmitting, by the portable mobile communication device system, the payment transfer request amount information to the electronic money terminal system for a store in a contact electronic signal communication method; Transmitting, by the electronic money terminal system for the store, the completion notification information to the portable mobile communication device system through a contact electronic signal communication method; From the existing balance information stored electronically in the portable mobile communication device system, the information of the amount of the payment transfer request amount information is subtracted, and the portable mobile communication device system electronically uses the new balance information of electronic money in the storage device. Recording and storing the update; The information of the sum of the existing balance information stored electronically in the store electronic money terminal system and the payment transfer request amount information is added to the new balance information of electronic money in the storage device of the store electronic money terminal system. Recording and storing the update electronically; Electronic money operating method comprising a. The method of communicating an electronic signal between two devices in 151 above uses a non-contact short range wireless communication method. The electronic money operating method according to claim 151 or 152, further comprising the step of outputting a payment request amount in a letter and number or in a sound by a store electronic money terminal system. The method of claim 151, 152, 153, further comprising the step of the portable mobile communication device system transmits its identification information to the electronic money terminal of the store. In the method for performing a function for payment transfer of electronic money, Connecting the portable mobile communication device system to the electronic money terminal system for a store through a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them; Transmitting, via the mobile communication network or the Internet network or the wired communication network, or selectively combining them, the electronic money terminal system for the store to transmit the payment transfer request amount information to the portable mobile communication device system; Electronically receiving the completion notification information from the portable mobile communication device system via the mobile communication network or the Internet network or the wired communication network, or through a method of selectively combining them; From the existing balance information stored electronically in the portable mobile communication device system, the information of the amount of the payment transfer request amount information is subtracted, and the portable mobile communication device system electronically uses the new balance information of electronic money in the storage device. Recording and storing the update; The information of the sum of the existing balance information stored electronically in the store electronic money terminal system and the transfer request value information is added electronically as a new balance information of electronic money in the storage device of the store electronic money terminal system. Updating and recording and storing; Electronic money operating method comprising a. In the method for performing a function for payment transfer of electronic money, Transmitting, by the electronic money terminal system for the store, the payment request amount information to the portable mobile communication device system by a contact electronic signal communication method; Receiving, by the store electronic money terminal system, the completion notification information from the portable mobile communication device system in a contact electronic signal communication manner; From the existing balance information stored electronically in the portable mobile communication device system, the information of the amount of the payment transfer request amount information is subtracted, and the portable mobile communication device system electronically uses the new balance information of electronic money in the storage device. Recording and storing the update; The information of the sum of the existing balance information stored electronically in the store electronic money terminal system and the payment transfer request amount information is added to the new balance information of electronic money in the storage device of the store electronic money terminal system. Recording and storing the update electronically; Electronic money operating method comprising a The method of communicating an electronic signal between two devices in 156 above uses a non-contact short range wireless communication method. 157. The method of claim 156, 157, wherein the electronic money terminal system for a store further comprises displaying a payment request amount in letters and numbers or outputting a sound. 158. The method of claim 156, 157 and 158, further comprising the step of the portable mobile communication device system transmitting its identification information to the electronic money terminal of the store. In order to perform the function to transfer electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for outputting electronic data to the outside in the form of visual information including letters and numbers, or in the form of sound information; Via a mobile communication network or an internet network or a wired communication network, or by selectively combining them, information including electronic money transfer request amount information is received electronically from another portable mobile communication device system and includes completion notification information. A system for transmitting information to another portable mobile communication device system; System to electronically store electronic money amount information Handheld mobile communication system In order to perform the function to transfer electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; A system for electronically receiving information including electronic money transfer request amount information from another portable mobile communication device system and transmitting information including completion notification information to another portable mobile communication device system through a contact electronic signal communication method. ; System to electronically store electronic money amount information Handheld mobile communication system In 161 above, the electronic signal communication method is not a contact type, but a portable communication device system using a non-contact short range wireless communication method. In 162 above, the contactless near field communication system is a portable mobile communication device system using an infrared communication method. 163. The portable contact device system of claim 163, wherein the non-contact short range wireless communication method uses an RF method. 163. The portable contact device system of claim 163, wherein the contactless near field communication method uses a wireless LAN communication method. 163. The portable contact device system of claim 163, wherein the non-contact short range wireless communication method uses a Bluetooth communication method. A portable mobile communication device system further comprising a system for electronically calculating electronic money amount information in paragraphs 160, 161, 162, 163, 164, 165, and 166 above. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Via a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them, information electronically received from the portable mobile communication device system, including the payment information requested amount of electronic money, and the completion notification information A system for transmitting information to a portable mobile communication device system; System to electronically store electronic money amount information Electronic money terminal system for shops. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; A system for electronically receiving information including electronic money payment transfer request amount information from a portable mobile communication device system and transmitting information including completion notification information to the portable mobile communication device system through a contact electronic signal communication scheme; System to electronically store electronic money amount information Electronic money terminal system for shops. In 169 above, the electronic signal communication method is a store-based electronic money terminal system using a contactless short-range wireless communication method. In the above 170, the contactless short-range wireless communication system is an electronic money terminal system for shops using an infrared communication method. In the above 170, the contactless short-range wireless communication method is a store-based electronic money terminal system using the RF method. In the above 170, the contactless short-range wireless communication method is a store-based electronic money terminal system using a wireless LAN communication method. In 170 above, the contactless near field communication system uses a Bluetooth communication system. The electronic money terminal system for shops further comprising a system for electronically calculating electronic money amount information in the above 168, 169, 170, 171, 172, 173 and 174. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Via a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them, information including electronic money payment request amount information is received electronically from a store electronic money terminal system and includes completion notification information. A system for transmitting said information to a shop electronic money terminal system; System to electronically store electronic money amount information Handheld mobile communication device system. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Through a contact electronic signal communication system, electronically receive information from the electronic money terminal system for a store and send information including the completion notification information to the electronic money terminal system for a store. system; System to electronically store electronic money amount information Handheld mobile communication device system. In claim 177, the electronic signal communication method is a portable mobile communication system using a contactless short-range wireless communication system. In 178 above, the contactless near field communication method is a portable mobile communication device system using an infrared communication method. In 178 above, the contactless near field communication method is a portable mobile communication system using the RF method. In 178, the contactless near field communication method is a portable mobile communication device system using a wireless LAN communication method. In 178 above, the contactless short-range wireless communication system uses a Bluetooth communication system. A portable mobile communication device system further comprising a system for electronically calculating electronic money amount information in the above 176, 177, 178, 179, 180, 181, and 182. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; Via a mobile communication network or an internet network or a wired communication network, or through a method of selectively combining them, electronically transmits information including the electronic money payment request amount information to the portable mobile communication device system and includes completion notification information. A system for electronically receiving information from a portable mobile communication device system; System to electronically store electronic money amount information Electronic money terminal system for shops. In order to perform the function to transfer the electronic money, An input system for receiving information including a number and a command, and electronically processing the input information; An output system for externally outputting electronic data in the form of visual information including letters and numbers, or in the form of sound information; A system for transmitting information including electronic money payment transfer request amount information to a portable mobile communication device system and receiving information including completion notification information from the portable mobile communication device system through a contact electronic signal communication scheme; System to electronically store electronic money amount information Electronic money terminal system for shops. In the above 185, the electronic signal communication method is a store-based electronic money terminal system using a contactless short-range wireless communication method. In 186 above, the contactless short-range wireless communication system is an electronic money terminal system for a store using an infrared communication method. The contactless short-range wireless communication method in the above 186 is a store-based electronic money terminal system using the RF method. In 186 above, the contactless near field wireless communication system uses a wireless LAN communication system. In 186 above, the contactless short-range wireless communication method is a store-based electronic money terminal system using a Bluetooth communication method. Clause 184, 185, 186, 187, 188, 189, 190 in the electronic money terminal system for the shop further equipped with a system for electronically calculating the electronic money amount information. A method for checking balance information of an electronic money in a portable mobile communication device system having an electronic money function, The portable mobile communication device system may include reading balance information stored electronically in a storage device of the mobile communication device; The portable mobile communication device system outputs the balance information in the form of sound information or in the form of visual information including letters and numbers. Electronic money operating method comprising a In the method for checking transaction history information in a portable mobile communication device system having an electronic money function, The portable mobile communication device system includes: reading information including a date and an electronic money amount stored electronically in a memory device of the portable mobile communication device; The portable mobile communication device system outputs the transaction history information including the date and the amount of electronic money in the form of sound information or in the form of visual information including letters and numbers. Electronic money operating method comprising a.