KR100647798B1 - Method for servicing of remittance to use mobile phone using a VAN server - Google Patents

Abstract

The present invention relates to a transfer service method. When a transfer applicant requests transfer service by inputting transfer application information through a transfer input medium including a mobile communication terminal, the transfer application information is inputted into a value added network (VAN). The present invention relates to a method for executing a transfer service with a financial institution via a VAN server transmitted to a server. The transfer application information includes a transfer password, a transfer recipient's mobile communication terminal number, a transfer approval password, and a transfer amount, and the VAN server transmits such transfer application information to a financial institution to execute the transfer. . When the transfer is executed, the financial institution server transmits the transfer receipt information such as the transfer amount excluding the transfer approval password, the transfer applicant name, etc. to the mobile communication terminal of the transfer recipient in the form of a text message or a barcode. The recipient of the transfer money inputs his mobile terminal number, transfer amount and withdrawal approval password using the transfer receipt information received from the ATM. The financial institution server checks whether the input information matches the transfer application information, and if it matches, pays the transfer amount to the transfer recipient. Once the money has been withdrawn by the recipient, the transfer applicant will be notified by text message.

Bank Transfer, Certificate Number, Financial Institution Server, Mobile Phone, Number

Description

Transfer service method using mobile communication terminal using JAN server {Method for servicing of remittance to use mobile phone using a VAN server}             

1 is a block diagram of a system showing a general financial service method.

2 is a system configuration diagram illustrating a transfer service method through a VAN server according to the present invention.

3 is an internal configuration diagram of a VAN server in charge of a transfer service according to the present invention.

4 is a diagram illustrating an approximate process and configuration of a transfer service performed by a VAN server and a financial institution according to the present invention.

5 is a flowchart illustrating an operation process of a VAN server for executing a transfer service according to the present invention.

The present invention transmits the input information to the VAN server when the transfer request information including the transfer password, the transfer recipient's mobile communication terminal number, the transfer amount, and the transfer approval password is input to the transfer application input terminal. The VAN server receiving the information executes the transfer in connection with the financial institution. In addition, the VAN server transmits the transfer receipt information such as the transfer amount, transfer applicant name, etc. to the mobile recipient's mobile communication terminal, and when the recipient enters the transfer amount, mobile terminal number and withdrawal approval password in the ATM, It's about how you can withdraw money.

1 is a system configuration diagram showing a general financial service method.

As shown in FIG. 1, the customer A 100 has a predetermined information such as a withdrawal account number, a withdrawal account password, a deposit account opening bank and an account number, and a transfer amount in a financial institution A 101 having an account to be withdrawn. Present a request for funds transfer. In addition, the financial institution A 101, which has been requested to transfer funds, provides information such as a bank opening account, an account number, and a transfer amount to the financial public network 102 (Financial KFTC) 102, and the financial public network 102 is provided. The financial institution B 103 in which the deposit account is opened is inquired, and the deposit account opening bank deposits the transfer amount into the deposit account of the customer B 104 based on the information. The actual flow of funds or authentication of information is done in a separate way. In this process, the withdrawal account bank, the financial common network and the deposit account opening bank will collect a small fee.

On the other hand, the bank transfer method provides a telebanking service over the phone and a PC banking service over the Internet.

However, in this case, since all accounts are linked between accounts, it is necessary to know both the accounts of themselves and the other party, and because there is a limiting time or space because financial transactions are made in contact with the accounts.

In addition, in case of payment or remittance through a financial card (debit card, cash card), it must be realized only by using a card-using medium, that is, an ATM and a financial card inquiry machine. There is a disadvantage that you must know, there is a problem that damage to financial institutions and individuals by the misuse of others when lost.

Therefore, the present invention has been proposed to solve the above-mentioned problems according to the prior art, the object of the present invention, even if you do not know the other party's account number, only knowing the other party's mobile terminal number of the transfer to the other party a predetermined amount of money; The amount transferred can be withdrawn from the cash machine when the other party enters information such as his / her terminal number and the transfer approval password, and provides a transfer service method using a VAN server linked with a financial institution. have.

In the transfer service system through the VAN server, the transfer applicant can transfer the transfer application information to transfer a certain amount of money to a specific counterpart through a transfer application input terminal capable of transferring input such as a mobile communication terminal, a landline phone, a PC, a PDA, and a cash machine. Enter it. When the transfer request information including the transfer amount, the transfer password, the counterpart's mobile communication terminal number and the transfer approval password is input, the terminal receiving the information transmits the received information to the VAN server. . The VAN server executes the transfer in connection with the financial institution according to the transmitted information. After the transfer is executed, the VAN server transmits the transfer receipt information such as the transfer amount excluding the transfer approval password and the transfer applicant name to the transfer recipient's mobile communication terminal.

The transfer recipient who received the transfer receipt information inputs his mobile terminal number, transfer amount and withdrawal approval password to withdraw the transfer from the ATM, and the corresponding financial institution server enters the information entered into the ATM. Confirm and pay the transfer to the recipient. The VAN server checks whether the mobile communication terminal number and the withdrawal approval password among the inputted withdrawal application information match the mobile terminal number and the transfer approval password among the transfer application information, and transfers it to the transfer recipient when the coincidence matches. Send an order to pay gold. When the recipient of the transfer withdraws the transfer through the ATM of the state where the transfer can be paid, the financial institution server informs the transfer applicant's mobile terminal of the transfer withdrawal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals have the same reference numerals as much as possible even if displayed on different drawings. In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

2 is a system configuration diagram illustrating a transfer service method through a VAN server according to the present invention.

As shown in FIG. 2, the transfer service system through the VAN server is simply composed of the transfer applicant 200, the VAN server 300, the financial institution 400, and the transfer recipient 500. The transfer applicant 200 requests transfer service by inputting transfer application information through the transfer application input terminal 201 named in FIG. 2. The transfer application input terminal 201 may be a cash dispenser in a financial institution network having an account to be transferred by a transfer applicant, a PC capable of internet banking in an internet network, a mobile communication terminal and a landline telephone in a mobile communication network and a PSTN. It may include several input media. The transfer request input terminal 201 including these various types receives the transfer request information for the transfer service input by the transfer applicant 200 and transmits it to the corresponding VAN server 300.

In general, the VAN server 300 connects a computer of a bank or a credit card company with a relay system of a financial settlement agency through a communication network to process money storage and payment, and to transmit and receive financial information and transaction approval. In the present invention, the VAN server 300 executes the transfer in association with the financial institution 400 to execute the transfer service. In more detail, the VAN server 300 receives the transfer request information for the transfer service from the transfer request input terminal 201 and transmits it to the financial institution 400 again. In addition, the bank receives the information on the transfer execution from the financial institution 400 and executes the transfer. When the transfer is performed, the status is transmitted to the transfer request input terminal 201 used by the transfer applicant 200. In addition, the transfer recipient 500 transfers the transfer receipt information for withdrawal of the transferred amount, the transfer recipient 500 receives the withdrawal application information, which is input for withdrawing the transferred amount, the payment of the transfer money Control the possible states. In more detail, the transfer recipient 500 determines whether the withdrawal application information input for withdrawal of the transfer money coincides with the transfer application information input by the transfer applicant 200, and controls the withdrawal of the transfer money when it matches. do. When the withdrawal of the transfer money is made, the transfer applicant 200 is notified of the transfer withdrawal status.

The financial institution 400 includes all banks capable of executing financial services, as well as the bank corresponding to the account held by the transfer applicant 200. In addition, when the transfer applicant 200 uses an ATM of another financial institution that is not an ATM of the corresponding financial institution, the financial institution 400 has the transfer applicant 200. It works by connecting to the financial institution corresponding to the account. In the present invention, the financial institution 400 receives the transfer-related information transmitted from the VAN server 300 to execute the transfer service, and the VAN server 300 so that the transfer service is made from the account that the transfer applicant 200 has Execute transfer in conjunction.

The transfer recipient 500 includes a mobile communication terminal 501 that receives transfer receipt information from the VAN server 300. In addition, by using the transfer receipt information delivered to the mobile communication terminal 501 includes a cash dispenser 502 for receiving the withdrawal application information for withdrawal from the transfer recipient 500 and transmits it to the VAN server 400. do. Since the cash dispenser 502 performs financial services by the VAN server 400, the cash dispenser 502 may include not only the cash dispenser of the bank corresponding to the account held by the transfer applicant 200, but also the cash dispenser of another bank. . In addition, under the control of the VAN server 300, the transfer money is paid to the transfer recipient 400.

In the transfer service system using the mobile communication terminal having such a system configuration, FIG. 3 is a detailed internal configuration diagram of the VAN server 300 shown in FIG. 2 that executes the transfer and controls the overall operation thereof. .

The network connection unit 301 connects to the corresponding network of the transfer application input terminal 201 in order to receive the transfer application information inputted through the transfer application input terminal 201 of the transfer applicant 200. If the transfer application input terminal 201 is a cash dispenser, it is connected to the service network of the financial institution, and if it is a PC, it is connected to the Internet network to receive the input information. In another case, when the transfer application input terminal 201 is a mobile communication terminal, the mobile terminal is connected to the mobile communication network, and in the case of a landline telephone, the transfer application information is transmitted by accessing the wired network. In addition, by connecting to the mobile communication network connected to the mobile communication terminal 501 of the transfer recipient 500 and the service network of the corresponding financial institution of the cash dispenser 502, the transfer recipient 500 may give information to withdraw the transfer money. Let me get it. As described above, the information transmitted for the transfer and withdrawal service through the network connection unit 301 is transferred to the control unit 303.

The virtual account 302 refers to an account temporarily created for the transfer service requested by the transfer applicant 200, and has components such as a virtual account number and a virtual account amount. Under the control of the controller 303, the amount of money to be transferred from the transfer applicant's account of the financial institution 400 is transferred to the virtual account 302. Since the virtual account 302 is created temporarily, it is extinguished after a certain period of time, and it is also extinguished when the transfer recipient 500 withdraws the total amount transferred to the virtual account 302.

The control unit 303 controls the overall operation of the VAN server 300. In particular, in the present invention, the transfer application information received from the transfer application input terminal 201 of the transfer applicant 200 through the network connection unit 301, the corresponding finance. Control to transmit to the engine (400). In addition, the financial institution 400 receives the information for executing the transfer and controls the transfer to be executed using the transfer virtual account 302. In the state where the transfer is executed, the transfer recipient 500 compares the withdrawal application information input to the cash dispenser 502 and withdrawal application input information to withdraw the transferred money, and determines whether or not the coincidence is matched. The amount transferred is controlled so that the transfer recipient 500 can withdraw the cash through the cash dispenser 502. In addition, the transfer requester 200 and the transfer recipient 500 operates to notify the information about the transfer and withdrawal.

The transfer application information DB 304 is a recording medium storing and storing information of the transfer applicant 200, which is a customer of a financial institution, and includes a name, a social security number, an account number, a transfer password, and a transfer applicant of the transfer applicant 200. Mobile communication terminal number is stored. That is, a customer of a financial institution who wants to receive a transfer service according to the present invention should apply in advance to use a transfer service and be registered as a member through a predetermined authentication. Such registration information is always stored in a transfer application information DB. The authentication may be made by visiting the counter of the VAN server company, bank window directly by checking the social security number, or when the online certificate can be used, such as a certificate can be used.
The transfer application information DB 304 does not store the transfer application information inputted by the transfer applicant to the transfer application input terminal 201 when the transfer application is actually made, but the member at the time of registration as a member for using the transfer service. Database where information of is stored. After all, when the person who wants to use the transfer service undergoes a predetermined authentication and inputs his name, resident registration number, account number to be used for transfer, transfer password, and his mobile terminal number when registering the transfer service, This input information is stored in the transfer application information DB. The transfer application information DB thus input is used when there is a request for transfer of funds according to the present invention.
On the other hand, the transfer password is a password required for transfer authentication when a predetermined amount is requested to the transfer recipient 500 in the corresponding account of the transfer applicant 200 in accordance with the service of the present invention, transfer request In this case, identity verification is performed using the transfer password.

The transfer receipt information DB 305 transfers information which is the information of the transfer recipient 500 among the transfer application information, when the transfer requester 200 inputs the transfer application information through the network connection unit 301 and the transfer service is executed. It is a recording medium that stores the mobile communication terminal number and the transfer approval password of the recipient 500.

If the transfer history DB 306 requests that the transfer applicant 200 transfers a predetermined amount to the transfer recipient 500, the date and amount of the transfer execution and the transfer recipient 500 withdrew the transfer money. A recording medium that stores dates and amounts.

4 is a diagram illustrating an approximate process and configuration of a transfer service performed by a VAN server and a financial institution according to the present invention.

The transfer applicant 200 inputs transfer application information through a transfer application input terminal 201 such as an ATM, a PC, a landline, a mobile communication terminal (S601). The transfer application information includes a transfer system number, a transfer amount, a transfer password, a mobile communication terminal number of the transfer recipient 500, and a transfer approval password. The transfer password and the transfer approval password are distinguished, and the account password refers to a password that is promised in advance with the financial institution to use the transfer service in the actual account held by the financial institution of the transfer applicant 200. . On the other hand, the transfer approval password is a password that must be entered in the cash dispenser 502 in order for the transfer recipient 500 to withdraw the transfer, the transfer applicant 200 is arbitrarily set for the transfer. Refers to a number promised separately by the transfer applicant and the transfer recipient 500.

When the transfer applicant 200 uses the cash dispenser as the transfer application input terminal 201 in step S601, the transfer applicant 200 transfers the transfer applicant 200 to the cash dispenser of the financial institution where the account to be transferred is opened. Enter the transfer application information (transfer system number, transfer amount, transfer password, transfer recipient's mobile terminal number, transfer approval password). To this end, the ATM provides a separate menu screen for the transfer service according to the present invention to receive the transfer application information from the transfer applicant.
In another case, when the PC is used as the transfer application input terminal 201, the transfer applicant 200 accesses Internet banking on the PC and inputs the transfer application information. Even when a wired telephone or a mobile communication terminal is used as the transfer application input terminal 201, the bank application is connected to phone banking and the transfer application information of the transfer applicant 200 is input.

The transfer request input terminal 201 transmits the transfer request information input by the transfer requester 200 to the VAN server 300 (S602). The financial institution server 300 receiving the transfer application information requests and processes the transfer financial institution 400 according to the transfer application information. First, the transfer application information DB 304, which is previously registered by extracting the transfer password from the transfer application information received (transfer system number, transfer amount, transfer password, transfer recipient's mobile communication terminal number, transfer approval password) Determine if it matches the transfer password within. If there is a match, the transfer service will continue. If there is a mismatch, the transfer service will be notified and the procedure is terminated. When it is determined that the transfer password matches, the VAN server 300 temporarily opens a virtual account 302 in order to execute the transfer, so that the actual account 401 of the financial institution 400 of the transfer applicant. ) Transfers the amount to be transferred to the newly opened virtual account 302. The amount transferred to the virtual account 303 will remain in the virtual account 303 for a period of time until the financial institution server 300 instructs the transfer recipient 400 to pay the transfer money.

The VAN server 300 transmits the transfer application information received in step S602 to the financial institution 400 to execute the transfer in the real account 401 that the transfer applicant 200 has (S603). The financial institution 400 having received the transfer application information retrieves the actual account 401 which the transfer recipient 200 has, and pulls out the transfer amount of the transfer application information from the real account 401 to the VAN server 300. The transfer is executed with the virtual account 302 temporarily set up in step S604. The amount transferred to the virtual account 302 remains in the virtual account 302 for a period of time until the VAN server 300 has a command to pay the transfer recipient 500.

When the transfer is executed to the virtual account 302 as described above, the VAN server 300 notifies the transfer application input terminal 201 used by the transfer applicant 200 in step S601 that the transfer execution is completed to the virtual account (S605). . For example, when the transfer applicant 200 uses the cash dispenser as the transfer application input terminal 201, a message about completion of the transfer is transmitted to the used cash dispenser.

Next, the VAN server 300 transmits the transfer receipt information to the mobile communication terminal 501 of the transfer recipient 500 (S606). Here, the transfer receipt information includes the transfer amount, the name of the transfer applicant 200, and excludes the transfer approval password previously promised separately from the transfer recipient. The transfer receipt information is transmitted to the mobile communication terminal 501 of the transfer recipient 500 in the form of a text message or a barcode.

The transfer recipient 500 checks the transfer receipt information transmitted to the mobile communication terminal 501, and transfers the amount of money from the cash dispenser 502 including a corresponding financial institution and other financial institutions in which a transfer service is made to withdraw the transfer money. Enter the withdrawal application information, including its mobile terminal number and withdrawal approval password (S607). When the transfer receipt information in step S606 is transmitted to the mobile communication terminal 501 in the form of a text message, the transfer recipient 500 checks the transmitted text message and transfers the amount of money directly from the ATM (502). Input the withdrawal application information by inputting the communication terminal number, and directly inputting the separate withdrawal approval password from the ATM (502). However, when the transfer receipt information in step S606 is transmitted to the mobile communication terminal 501 in the form of a barcode, the transfer recipient 500 is applied to the bar code recognizer portion of the ATM, the barcode transmitted to the mobile communication terminal 501 Enter the transfer amount, terminal number of the mobile communication terminal, and enter the withdrawal application information by directly entering the separate withdrawal approval password.

The cash dispenser 502 having received the withdrawal application information by the transfer recipient 500 transmits the withdrawn application information to the financial institution server 300 (S608). The VAN server 300 checks the received withdrawal application information. The VAN server 300 checks whether the withdrawal application information matches the transfer application information received and stored in step S602. Check whether the withdrawal approval password of the mobile communication terminal 500 and the withdrawal approval password of the transfer recipient information coincide with the withdrawal approval information of the mobile communication terminal 500 of the transfer recipient 500 among the transfer application information. If it matches, the VAN server 300 controls the payment recipient 500 to pay as much as the transfer amount in the withdrawal application information from the amount transferred to the virtual account 302 (S609) (S609). ). The transfer recipient 500 may withdraw the desired amount of money transferred from the cash dispenser 502 to the virtual account 302 (S610). At this time, the withdrawal and the remaining amount remain in the virtual account 302, the remaining amount is automatically transferred to the real account 401 of the transfer applicant 200 after a predetermined time.

As described above, when the transfer recipient 500 withdraws the transfer through the cash dispenser 502, the VAN server 300 recognizes the withdrawal state of the amount transferred to the virtual account 302 and moves the transfer applicant 200. The transfer recipient 500 transmits a message indicating that the transfer money has been withdrawn to the communication terminal in the form of a text message (S611). The text message transmission to the mobile communication terminal of the transfer applicant 200 is transmitted to the mobile communication terminal number of the applicant in the transfer application information DB 304 stored in advance.

5 is a flowchart illustrating an operation process of a VAN server in execution of a transfer service according to the present invention.

The VAN server 300 receives the transfer request information (transfer account number, transfer amount, transfer password, transfer recipient's mobile communication terminal number, transfer approval password) from the transfer applicant 200 (S701). Again, the VAN server 300 transmits the received transfer application information to the financial institution 400 for the transfer execution (S702).

Using the transfer application information transmitted, the financial institution 400 obtains the amount to be transferred from the actual account 401 of the transfer applicant 200 and transfers it to the virtual account 302 temporarily opened in the VAN server 300 ( S703). When the transfer execution is completed through the VAN server 300 as described above, the transfer requester 200 notifies the transfer request input terminal 201 that applied for the transfer service that the virtual transfer is completed (S704).

After the transfer is executed, the VAN server 300 transfers to the mobile communication terminal (S501) of the transfer recipient 500 in the form of a text message, a barcode, etc., the transfer amount excluding the transfer approval password, the name of the transfer applicant 500, and the like. Transfer receipt information of the is transmitted (S705). When the transfer recipient 500 checks the transmitted information, and inputs the withdrawal application information including the amount to be withdrawn, the mobile terminal number and the withdrawal approval password to withdraw the transferred amount into the cash dispenser 502, The information is transmitted and received by the VAN server 300 (S706).

The VAN server 300 checks whether the mobile communication terminal number and the withdrawal approval password among the received withdrawal application information correspond to the mobile communication terminal number and the transfer approval password among the transfer application information received in step S701 (S707). If the information is perfectly matched in this process, the VAN server 300 controls so that the transfer payment to the cash dispenser 502 is possible to withdraw the amount transferred in step S703 (S708).

Unlike the above case, when the withdrawal application information received by the VAN server 300 in step S707 does not match, the number of withdrawal application information input by the transfer recipient 500 is an error specified by the VAN server 300. Check whether the number is exceeded (S710). When the withdrawal application information input by the transfer recipient 500 and received by the VAN server 300 does not exceed the number of errors, the withdrawal application information may be input again from the transfer recipient 500. However, if the number of errors is exceeded, the request for withdrawal from the transfer recipient 500 is rejected.

As a result, the transfer recipient 500 may withdraw the transfer money in cash directly from the cash dispenser 502. On the other hand, when the transfer recipient 500 inserts his cash card into the cash dispenser 502 and requests payment of the transfer money, the transfer recipient 500 is not directly withdrawn in cash, but the transfer recipient 500 The amount to be withdrawn to the cash card account is directly transferred.

When the amount transferred as described above is withdrawn by the transfer recipient 500 in the cash dispenser 502, the VAN server 300 notifies the withdrawal status of the transfer money to the mobile communication terminal of the transfer applicant 200 in the form of a text message. (S709).

However, if the amount transferred is not withdrawn by the transfer recipient 500 within a certain period of time, the amount transferred to the virtual account 302 is transferred back to the actual account 401 of the transfer applicant 200 and the transfer recipient ( 500) will not be able to withdraw. Therefore, in order to use the transfer service, it is necessary to execute the transfer again upon receiving the re-request of the transfer applicant 200.

Although the embodiments of the present invention have been described above, this is only an example and the spirit of the present invention is not limited thereto, and various changes and modifications may be possible. However, it will be understood through the appended claims that such changes and modifications fall within the scope of the present invention.

As described above, the transfer service method using the mobile communication terminal according to the present invention can perform the transfer by inputting the mobile communication terminal number of the other party instead of inputting the other party's account number through the VAN server to perform the transfer. In addition, the other party receiving the transfer to withdraw the transfer amount provides a method for withdrawing the transfer money by inputting the information including the password required for the transfer approval and their mobile communication terminal number. Therefore, the present invention enables the execution of the transfer service without knowing the other party's account number, and has the effect of allowing convenient and safe financial transactions to be made by entering the approval password for the transfer and withdrawal.

Claims (7)

delete The transfer application input terminal includes a cash register, a computer, a mobile communication terminal, a wired telephone, a PDA, and the like. The transfer application input terminal includes a transfer account number, a transfer amount, a transfer password, a transfer recipient's mobile terminal number, and a transfer recipient. A first step of receiving a transfer request information including an approval password and transmitting the received transfer request information to a VAN server; A second step of transmitting, by the VAN server, the transfer application information to a financial institution, transferring the transfer amount from the actual account of the transfer applicant of the financial institution to the virtual account of the VAN server, and transmitting the transfer execution completion status to the transfer applicant; A third step of transmitting, by the VAN server, transfer receipt information of a transfer amount excluding a transfer approval password, a transfer applicant name, etc. to a mobile communication terminal number of a transfer recipient; When the transfer recipient receiving the transfer receipt information inputs the transfer withdrawal information including the transfer recipient's mobile terminal number, the transfer amount, and the withdrawal approval password, the cash dispenser transmits the transfer withdrawal information to the VAN server. The fourth step, When the mobile communication terminal number and the withdrawal approval password of the transfer withdrawal information correspond to the mobile communication terminal number and the transfer approval password of the transfer application information, respectively, the VAN server controls the cash dispenser to allow the payment of the transfer money. 5th step Transfer service method using a mobile communication terminal comprising a. The method of claim 2, wherein in the third step Transfer service method using a mobile communication terminal characterized in that the VAN server transmits the transfer receipt information in a text message to the mobile communication terminal of the transfer recipient. The method of claim 2, wherein in the third step Transfer service method using a mobile communication terminal, characterized in that the VAN server transmits the transfer receipt information to the mobile communication terminal of the transfer recipient in a barcode. The method of claim 2, wherein When the amount of money transferred by the transfer recipient is withdrawn from the cash dispenser controlled to allow the transfer payment, the VAN server transmits the withdrawal withdrawal status to the mobile communication terminal of the transfer applicant in a text message. Transfer service method using The method of claim 2, wherein In the case where the transfer recipient uses the cash card to withdraw the transferred amount in the ATM, the VAN server transfers the transfer amount directly to the corresponding account of the cash card. The method of claim 2, wherein in the third step Transfer service method using a mobile communication terminal, characterized in that the transfer acceptance password is included in the transfer receipt information transmitted by the VAN server to the mobile communication terminal number of the transfer recipient.

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