KR101262349B1 - System and method for electronic money transmit/receive, banking terminal apparatus and electronic money service method for thereof, electronic money service center and electronic money service method for thereof - Google Patents

Abstract

Using a financial terminal device that can be easily found around you, you can easily transfer electronic money from one electronic money card to another, receive electronic money from your own electronic money account, and store it in your electronic money card. A system and electronic money transceiving method are disclosed. In the electronic money transceiving system of the present invention, a remittance request for requesting a financial terminal device that recognizes an electronic money card that stores electronic money to remit a predetermined amount of electronic money stored in the electronic money card to a predetermined receiver from the outside is provided. When received, the electronic money service center for providing the remittance request signal according to the remittance request signal from the financial terminal device recognizes the electronic money account of the receiver according to the remittance request signal, and responds to the remittance request signal. Increase the electronic money of the amount according to the electronic money account of the receiver and provide an electronic money deduction signal according to the amount to the financial terminal device, the financial terminal device according to the electronic money deduction signal; Includes deduction of money.

Electronic money, money transfer, receiving, financial terminal

Description

Electronic money transmission / reception system and electronic money transmission method, electronic money service method of financial terminal device and financial terminal device, electronic money service method of electronic money service center and electronic money service center {SYSTEM AND METHOD FOR ELECTRONIC MONEY TRANSMIT / RECEIVE, BANKING TERMINAL APPARATUS AND ELECTRONIC MONEY SERVICE METHOD FOR THEREOF, ELECTRONIC MONEY SERVICE CENTER AND ELECTRONIC MONEY SERVICE METHOD FOR THEREOF}

The present invention relates to an electronic money transceiving system, and more particularly, by using a financial terminal device that can be easily found in the surroundings, the electronic money in the electronic money card can be conveniently transferred to others and the electronic money from their electronic money account. Electronic money transmission and reception system and electronic money transmission and reception method that can conveniently receive and store in electronic money card, electronic money service method of financial terminal device and financial terminal device, electronic money service method of electronic money service center and electronic money service center. It is about.

Electronic money is a virtual currency that has a certain currency value that is paid by the issuer and is provided by the issuer. It has relatively low risk of counterfeiting or tampering, and is safe even in case of theft or loss. It is convenient for making small payments. .

As the types of electronic money services that support such electronic money are diversified, the number of users who use electronic money with real money value is increasing, and even a service for remitting their electronic money to other users can be envisioned.

As described above, when a user remits electronic money owned by another user to another user, a situation in which the user can use the remitted electronic money owned by the electronic money freely needs to be created. However, if the electronic money is only stored in the electronic money account of another user who has received electronic money, the electronic money transferred to the electronic money card carried by the user is not added / charged. It is difficult to use the electronic money remitted freely.

In other words, when electronic money is transferred or purchased directly and managed in an electronic money account, it is not easy to synchronize the electronic money increase of the electronic money account to the electronic money card owned by the user. It is hard to use electronic money freely.

Accordingly, as the use of electronic money and transactions such as money transfer become active, it is possible to provide convenience for freely moving and holding electronic money of electronic money accounts held by a user to a storage medium that can be carried by the user. Environment is required.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a financial terminal device that recognizes an electronic money card that stores electronic money, and the electronic money of a predetermined amount stored in the electronic money card from the outside. Receiving a remittance request requesting a remittance to a predetermined recipient, the electronic money service center for providing the remittance request signal and receiving the remittance request signal from the financial terminal device according to the remittance request signal Recognizing an electronic money account, increasing the electronic money of the amount according to the remittance request signal to the electronic money account of the recipient and providing the electronic money reduction signal according to the amount to the financial terminal device, the financial terminal device is When transmitting and receiving electronic money that deducts the electronic money of the electronic money card according to the electronic money deduction signal It provides a system and method to transmit and receive the electronic money, and to store in the electronic money for the electronic money card in convenient to other users to transfer and easy to move the electronic money from his electronic cash account / received by the electronic money card.

The present invention has been made in view of the above circumstances, and another object to be achieved in the present invention is to recognize an electronic money card for storing electronic money, and according to a user input from the outside of a predetermined amount stored in the electronic money card. It is determined whether a remittance request is received to request electronic money to be sent to a predetermined recipient. When the remittance request is received, a remittance request signal is provided to an external electronic money service center, and the electronic device corresponds to the remittance request signal. When the electronic money deduction signal is returned from the money service center, the electronic money service method of the financial terminal device and the financial terminal device which deducts the electronic money of the electronic money card according to the electronic money deduction signal is provided. Conveniently transfer money to others and use electronic money from your electronic money account Conveniently move / receive and store in electronic money card.

The present invention was created in view of the above circumstances, and another object of the present invention is to manage an electronic money account corresponding to each subscriber, and determine whether a remittance request signal is received from a predetermined financial terminal device. When the remittance request signal is received, the electronic money account of the corresponding recipient is recognized according to the remittance request signal, and the electronic money of the amount according to the remittance request signal is increased to the electronic money account of the receiver, and the electronic value according to the increased amount It provides electronic money service method of electronic money service center and electronic money service center that returns a currency deduction signal to the financial terminal device, and conveniently transfers electronic money in an electronic money card to another person and transfers the electronic money from one's own electronic money account. Conveniently move / receive money and store it in an electronic money card.

Electronic money transmitting and receiving system according to a first aspect of the present invention for achieving the above object is an electronic money card for storing electronic money; Recognizing an electronic money card that is approached, and when a transfer request for remitting a predetermined amount of electronic money stored in the electronic money card to a predetermined recipient is received, provides a transfer request signal according to the transfer request signal, A financial terminal device for deducting electronic money from the electronic money card in response to the electronic money deduction signal returned; And recognizing the electronic money account of the recipient according to the remittance request signal from the financial terminal device, and increasing the electronic money of the amount according to the remittance request signal to the electronic money account of the receiver, and the electronic money deduction signal according to the amount. It includes an electronic money service center for returning to the financial terminal device.

Preferably, the financial terminal device, when receiving an acknowledgment request requesting to receive electronic money of a predetermined amount corresponding to a predetermined electronic money account from the outside, provides the acknowledgment request signal to the electronic money service center accordingly; The electronic money of the electronic money card may be charged according to the electronic money charging signal returned in response to the acknowledgment request signal.

Preferably, the financial terminal device may include an automatic teller machine (ATM) for accessing the electronic money service center through a financial network.

Financial terminal device according to a second aspect of the present invention for achieving the above object, the operation unit for receiving a user input from the outside; A card interface unit communicating with an electronic money card approaching; And a remittance request for recognizing the electronic money card accessed through the card interface unit and requesting a remittance of a predetermined amount of electronic money stored in the electronic money card to a predetermined receiver through the operation unit. And a device control unit which provides a signal to an external electronic money service center, and deducts the electronic money of the electronic money card according to the electronic money deduction signal returned from the electronic money service center in response to the remittance request signal.

Preferably, the remittance request signal, at least one of the electronic money account information, electronic money card information, the terminal phone number, the remittance amount information and the remittance according to the remittance request received through the operation unit; It may include at least one of the sender information corresponding to the sender requesting the.

Preferably, when the device control unit receives an acknowledgment request for requesting to receive electronic money of a predetermined amount corresponding to a predetermined electronic money account through the operation unit, the device control unit transmits an acknowledgment request signal according to the electronic money service center. The electronic money of the electronic money card is provided according to the electronic money charging signal returned from the electronic money service center in response to the reception confirmation request signal.

Preferably, the acknowledgment request signal, at least one of the electronic money account information, the electronic money card information, the terminal telephone number and the confirmation amount corresponding to the acknowledgment target according to the acknowledgment request received through the operation unit; At least one of the information and the user authentication information.

Electronic money service center according to a third aspect of the present invention for achieving the above object is a settlement / management unit for managing an electronic money account corresponding to each subscriber; When the remittance request signal is received from a predetermined financial terminal device, the electronic money account of the corresponding recipient is recognized according to the remittance request signal, and the electronic money of the amount according to the remittance request signal is increased to the electronic money account of the receiver, and the increased And a service provider for returning the electronic money reduction signal according to the amount to the financial terminal device.

Preferably, when the service providing unit receives an acknowledgment request signal from the financial terminal device, the electronic device according to the corresponding amount is authenticated based on the acknowledgment request signal and authenticated as a valid receiver for the corresponding electronic money account. A money charging signal can be returned to the financial terminal device.

Preferably, the service provider, the electronic money charging signal to the financial terminal device when the electronic money charging in accordance with the electronic money charging signal is processed normally, the electronic money in the corresponding electronic money account to be acknowledged The amount corresponding to the currency charging signal can be deducted.

Electronic money transmission and reception method according to a fourth aspect of the present invention for achieving the above object is a financial terminal device that recognizes an electronic money card for storing electronic money, the electronic money of a predetermined amount stored in the electronic money card from the outside predetermined If a remittance request is received requesting remittance to the recipient of the step, providing a remittance request signal accordingly; The electronic money service center receiving the remittance request signal from the financial terminal device recognizes the electronic money account of the corresponding recipient according to the remittance request signal, and converts the electronic money of the amount according to the remittance request signal to the electronic money account of the receiver. Providing an electronic money reduction signal according to the amount to the financial terminal device; And if the electronic money deduction signal is returned in response to the remittance request signal, deducting the electronic money of the electronic money card according to the electronic money deduction signal.

Preferably, the financial terminal device may include an automatic teller machine (ATM) for accessing the electronic money service center through a financial network.

Electronic money service method of a financial terminal device according to a fifth aspect of the present invention for achieving the above object comprises the steps of recognizing an electronic money card for storing electronic money; Determining whether a remittance request is received which requests remittance of a predetermined amount of electronic money stored in the electronic money card to a predetermined receiver according to a user input from an outside; If the remittance request is received, providing a remittance request signal according to the external electronic money service center; And if the electronic money deduction signal is returned from the electronic money service center in response to the remittance request signal, subtracting the electronic money of the electronic money card according to the electronic money deduction signal.

Preferably, the remittance request signal, at least one of the electronic money account information, electronic money card information, the terminal telephone number corresponding to the recipient, the remittance amount information and the remitter requesting remittance according to the remittance request It may include at least one of the sender information corresponding to.

Preferably, determining whether an acknowledgment request for receiving a predetermined amount of electronic money corresponding to a predetermined electronic money account is received according to a user input from the outside; If the acknowledgment request is received, providing the acknowledgment request signal to the electronic money service center accordingly; And when the electronic money charging signal is returned from the electronic money service center in response to the acknowledgment request signal, charging the electronic money of the electronic money card accessed according to the electronic money charging signal.

Preferably, the acknowledgment request signal is at least one of electronic money account information, electronic money card information, and terminal telephone number corresponding to the acknowledgment request, among the confirmation amount information and the user authentication information according to the acknowledgment request. It may include at least one.

Electronic money service method of the electronic money service center according to the sixth aspect of the present invention for achieving the above object comprises the steps of: managing an electronic money account corresponding to each subscriber; Determining whether a remittance request signal is received from a predetermined financial terminal device; And when the remittance request signal is received, recognize the electronic money account of the corresponding recipient according to the remittance request signal, and increase the electronic money of the amount according to the remittance request signal to the electronic money account of the receiver, and increase the amount And returning the electronic money reduction signal according to the financial terminal device.

Preferably, the step of determining whether an acknowledgment request signal is received from the financial terminal device; And when the acknowledgment request signal is received, returning the electronic money charging signal according to the corresponding amount to the financial terminal device when it is authenticated as a valid receiver for the corresponding electronic money account that is the subject of acknowledgment based on the acknowledgment request signal. It may further include.

Preferably, when the electronic money charging signal is provided to the financial terminal device and the electronic money charging according to the electronic money charging signal is normally processed, the corresponding electronic money account corresponding to the confirmation corresponds to the electronic money charging signal. It may further comprise the step of subtracting the amount.

Accordingly, according to the electronic money transmitting and receiving system and the electronic money transmitting and receiving method of the present invention, by using a financial terminal device that can be easily found in the vicinity, when the electronic money in the electronic money card is requested to be transferred to a predetermined recipient, the financial terminal device and the electronic money service The electronic money of the electronic money card requested to be remitted through linkage between the centers is transferred / increased to the electronic money account of the corresponding recipient managed by the electronic money service center, and the financial terminal is requested to confirm the predetermined electronic money account for the electronic money card. Through the linkage between the device and the electronic money service center, the electronic money of the electronic money account to be received can be received / charged by the electronic money card requested for acknowledgment, enabling convenient and free execution of electronic money transmission and reception between the electronic money card and the electronic money account. have.

Therefore, according to the electronic money transceiving system and the electronic money transceiving method of the present invention, the electronic money of the electronic money card possessed by the user can be easily remitted to another user, and the electronic money held in the user's own electronic money account corresponds to An environment that can provide convenience for the user to move freely to the electronic money card, which is a storage medium that can be carried while being carried, can be supported.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1 illustrates an electronic money transceiving system according to a first embodiment of the present invention.

As shown in Figure 1, the electronic money transceiving system according to the present invention, the electronic money card (10, 20) for storing electronic money. Recognizing an electronic money card (e.g., electronic money card A (10)) being accessed, and when a transfer request is received from the outside requesting to transfer a predetermined amount of electronic money stored in the electronic money card A (10) to a predetermined recipient The financial terminal apparatus 100 provides the remittance request signal to the electronic money service center 200 and deducts the electronic money of the electronic money card A 10 according to the electronic money deduction signal returned in response to the remittance request signal. And the electronic money account of the corresponding recipient according to the remittance request signal from the financial terminal device 100, and increase the electronic money of the amount according to the remittance request signal to the electronic money account of the recipient according to the amount. Electronic money service center 200 for returning the electronic money reduction signal to the financial terminal device (100).

The electronic money cards 10 and 20 are cards storing electronic money and may include their own card identification information and retained electronic money amount information.

The electronic money cards 10 and 20 may be charged with electronic money, and may be a plastic card such as a transportation card or a T-money card that can be carried by a user, or a terminal device such as a mobile communication terminal. It may be a user identification card in the form of a smart card, such as a mounted Subscriber Identification Module (SIM) card and a Universal Subscriber Identification Module (USIM).

Hereinafter, for convenience of description, a card that attempts to transfer electronic money is referred to as an electronic money card A 10, and a card that attempts to confirm receipt of an electronic money is referred to as an electronic money card B 20. In addition, the electronic money card B 20 will be described as being mounted on the terminal device 30.

The network 1 is an interworking network that supports each of the financial terminal 100 and the electronic money service center 200 to communicate with each other, and includes a wired / wireless LAN network, a wired / wireless internet network, and a portable internet network (eg, WiBro network), a mobile communication network, a wired communication network, a financial network may include a variety of communication networks.

The financial terminal device 100 recognizes the accessed electronic money card (for example, the electronic money card A (10)), and transfers the electronic money of a predetermined amount stored in the electronic money card A (10) from the outside to a predetermined receiver. When a request for remittance is received, a remittance request signal is provided to the electronic money service center 200, and the electronic money of the electronic money card A 10 according to the electronic money deduction signal returned in response to the remittance request signal. Subtract

In addition, the financial terminal device 100, when receiving a receipt confirmation request to receive the electronic money of a predetermined amount corresponding to a predetermined electronic money account from the outside, and receives the receipt confirmation request signal according to the electronic money service center 200 The electronic money card (e.g., electronic money card B 20) charged according to the electronic money charging signal returned in response to the acknowledgment request signal is charged to the electronic money.

The financial terminal device 100 is preferably an ATM (Automated Teller Machine) that can be connected to the electronic money service center 200 through a network 1 including a financial network network.

Hereinafter, with reference to Figure 2 will be described the specific configuration and function of the financial terminal device 100 according to the present invention.

Financial terminal device 100 of the present invention, the operation unit 110 for receiving a user input from the outside, and the card interface unit 120 for communicating with the electronic money card (for example, electronic money card A (10)) And, recognize the electronic money card (for example, electronic money card A (10)) to be accessed through the card interface unit 120, the electronic money card (for example electronic money card A (10)) through the operation unit 110. When a money transfer request requesting to transfer a predetermined amount of electronic money to a predetermined recipient is received, the transfer request signal is provided to an external electronic money service center 200, and the electronic money corresponding to the money transfer request signal is received. It includes a device controller 130 for subtracting the electronic money of the electronic money card (for example, electronic money card A (10)) in response to the electronic money reduction signal returned from the service center (200).

The operation unit 110 may adopt various types of input devices such as a key input unit, a touch input unit, and a voice command input unit as an input device for receiving a user input from the outside.

The card interface unit 120 is a function unit for recognizing the accessed electronic money card and communicating with the recognized electronic money card. The card interface unit 120 may include a wireless interface function or an inserted electronic money card for recognizing / communicating a nearby electronic money card. Various types of interface functions can be adopted, such as a contact interface function that recognizes / communicates.

The device controller 130 recognizes the electronic money card (for example, the electronic money card A (10)) accessed or contacted through the card interface unit 120, and the electronic money card A (10) through the operation unit (110). When a remittance request for requesting a remittance of a predetermined amount of electronic money to a predetermined receiver is received, the remittance request signal is provided to the external electronic money service center 200.

That is, the device controller 130 inputs the money transfer amount and instruction information indicating the recipient by operating the operation unit 110 and selects a remittance attempt, so that the electronic money card through the operation unit 110 is selected. When a remittance request is received requesting the remittance of a predetermined amount of electronic money stored in A (10) to a predetermined receiver, the electronic money service center 200 is connected to the electronic money service center 200 according to the remittance request signal through the network (1). Provided to the service center 200.

Of course, the device controller 130 recognizes the electronic money balance of the electronic money card A (10) by recognizing the electronic money card A (10) approached or contacted through the card interface unit 120, the received money transfer It is preferable to determine whether a money transfer is possible by determining whether an electronic money balance greater than the amount required by the request exists in the electronic money card A 10, and if the transfer is possible, provide a transfer request signal to the electronic money service center 200. Do.

At this time, the remittance request signal provided by the device control unit 130, according to the remittance request (for example, remittance amount, indication information, etc.) received through the operation unit 110, the electronic money account information, electronic money corresponding to the corresponding recipient It may include at least one of the information of the card information, the terminal telephone number, the remitter amount information and the remitter information corresponding to the remitter requesting the remittance.

For example, if the user of the electronic money card A (10) attempts to transfer the remittance amount (for example, 200,000 won) to the electronic money card B (20), the user operates the operation unit 110 to transfer the remittance amount ( Example: 200,000 won) and instruction information indicating the recipient (for example, electronic money account information, electronic money card information of the recipient corresponding to the electronic money card B (20), any one of the terminal phone number of the terminal device 30) Will attempt to request a remittance. Accordingly, the device control unit 130 corresponds to the remitter requesting the remittance request and the remittance amount information and at least one of the electronic money account information, the electronic money card information, the terminal phone number corresponding to the corresponding recipient according to the remittance request Provides a remittance request signal including at least one of the remitter information to the electronic money service center (200).

Here, the remitter information is preferably card identification information corresponding to the electronic money card A 10 that attempts to transfer money, and the device controller 130 accesses or contacts the electronic money card through the card interface unit 120. By recognizing A 10, the card identification information of the electronic money card A 10 may be obtained.

When the electronic money deduction signal is returned from the electronic money service center 200 in response to the remittance request signal provided to the electronic money service center 200, the device controller 130 responds to the electronic money deduction signal. The electronic money of the electronic money card A 10 is subtracted.

That is, the device control unit 130, when the electronic money reduction signal corresponding to the transfer amount (for example, 200,000 won) is returned from the electronic money service center 200 in response to the transfer request signal, through the card interface unit 120 By communicating with the electronic money card A (10) in the approach or contact state, the amount of electronic money (e.g. 200,000 won) according to the electronic money deduction signal is deducted.

On the other hand, the device controller 130, the electronic money card (for example, electronic money card B (20)) is accessed or contacted through the card interface unit 120, the predetermined electronic money account through the operation unit 110. When an acknowledgment request requesting to receive a predetermined amount of electronic money is received, the acknowledgment request signal is provided to the external electronic money service center 200.

That is, the device controller 130 inputs a date, a confirmation amount, indication information indicating an electronic money account, etc. to be confirmed by the user operating the operation unit 110, and selects an acknowledgment attempt. When a receipt request for requesting to receive a predetermined amount of electronic money corresponding to the electronic money account is received, access the electronic money service center 200 corresponding thereto through the network 1 to receive a reception confirmation request signal. Provided to the electronic money service center (200).

At this time, the acknowledgment request signal provided by the device control unit 130, according to the acknowledgment request received through the operation unit 110, among the electronic money account information, electronic money card information, terminal phone number corresponding to the acknowledgment target It may include at least one of at least one piece of information, confirmation amount information and user authentication information.

For example, if the user of the electronic money card B 20 attempts to confirm receipt for a specific date (for example, May 1) or a specific confirmation amount (for example, 200,000 won), the user controls the operation unit 110. Enter a specific date (e.g. May 1) or a specific confirmation amount (e.g. KRW 200,000) by pressing, and the instruction information (e.g., electronic money card B) indicates an electronic money account corresponding to the formula confirmation target. (20) the electronic money account information, electronic money card information, any one of the terminal phone number of the terminal device 30) will be entered to attempt to confirm receipt request.

Of course, when attempting to acknowledge the electronic money as described above, it is necessary to authenticate whether or not the legitimate recipient, so that various types of user authentication can be performed. To enter your own user authentication information (e.g. password).

Accordingly, the device control unit 130, at least one of the electronic money account information, electronic money card information, the terminal phone number, the confirmation amount information, the date information and the user authentication corresponding to the reception confirmation target according to the reception confirmation request The acknowledgment request signal including at least one of the information is provided to the electronic money service center 200.

When the electronic money charging signal is returned from the electronic money service center 200 in response to the reception confirmation request signal provided to the electronic money service center 200, the device controller 130 responds to the electronic money charging signal. The electronic money of the electronic money card B 20 is charged.

That is, the device controller 130 returns the card interface unit 120 when the electronic money charging signal corresponding to the confirmation amount (for example, 200,000 won) is returned from the electronic money service center 200 in response to the acknowledgment request signal. Communication with the corresponding electronic money card B (20) in the state of access or contact through the charge of the electronic money of the amount (eg 200,000 won) according to the electronic money charging signal.

When the electronic money charging of the electronic money card B 20 is normally processed according to the electronic money charging signal, the device controller 130 may notify the electronic money service center 200 that the electronic money charging is normally processed. .

Hereinafter, with reference to Figure 3 to describe the specific configuration and function of the electronic money service center 200 according to the present invention.

Electronic money service center 200 according to the present invention, the subscriber information storage unit 210 for storing the subscriber information of each subscriber subscribed to the electronic money service, and the settlement / management unit for managing the electronic money account corresponding to each subscriber Receiving the remittance request signal from the predetermined financial terminal device 100, the electronic money account of the recipient according to the remittance request signal and the electronic money of the amount according to the remittance request signal The service provider 230 increases the account and returns the electronic money reduction signal according to the increased amount to the financial terminal device 100.

The subscriber information storage unit 210 stores subscriber information of each of at least one subscriber subscribed to the electronic money service provided by the electronic money service center 200. Here, the subscriber information, identification information of the subscriber (eg, name, unique information given at the time of registration), password information, electronic money account information, electronic money card information (eg card identification information), terminal phone number, email It may include at least one of address information and financial account information.

The settlement / management unit 220 manages the electronic money account of each of the at least one subscriber who has subscribed to the electronic money service provided by the electronic money service center 200. That is, the settlement / management unit 220 may increase or decrease the electronic money of the corresponding electronic money account under the control of the service provider 230.

When the service providing unit 230 receives the remittance request signal having the above-described configuration from the predetermined financial terminal 100 connected through the network 1, the service providing unit 230 recognizes the electronic money account of the corresponding receiver according to the remittance request signal. The electronic money of the amount according to the remittance request signal is increased to the electronic money account of the receiver.

That is, the service providing unit 230, when the remittance request signal is received from the financial terminal device 100, at least any one of electronic money account information, electronic money card information, terminal phone number corresponding to the receiver included in the remittance request signal Recognize the electronic money account based on the subscriber information storage unit 210 and the settlement / management unit 220 according to one information, and settles / manages the electronic money of the amount according to the transfer amount information included in the transfer request signal 220 Increase to the recipient's electronic money account.

Here, the electronic money account of the receiver according to the remittance request signal, that is, the electronic money account of each subscriber managed by the settlement / management unit 220 of the electronic money service center 200 is the electronic money card A (10) of the present invention. Electronic money can be thought of as electronic money history information that is managed separately to send money to the receiver through the financial terminal device 100, and the electronic money stored in the electronic money card or the electronic money module of the terminal used by the subscriber offline. It is preferable that the account is not linked / managed.

Accordingly, the settlement / management unit 220 records the electronic money history information according to the transfer amount information included in the transfer request signal in the electronic money account corresponding to the receiver, under the control of the service provider 230, thereby requesting the transfer. The amount of electronic money in the amount may be increased to the recipient's electronic money account in accordance with the remittance request signal.

However, the electronic money account of the receiver according to the remittance request signal, that is, each electronic money account managed by the settlement / management unit 220 of the electronic money service center 200, the electronic money card or terminal that the subscriber uses offline If the electronic money is linked to / managed in the electronic money module of the electronic money balance, the electronic money balance information of the electronic money account is matched with the electronic money balance information stored in the electronic money card or the electronic money module of the terminal used offline by the subscriber in real time. It is difficult to be.

Therefore, in this case, the service provider 230, when the remittance request signal is received from the financial terminal device 100, after recognizing the electronic money account of the receiver according to the remittance request signal, the remittance amount included in the remittance request signal In increasing the electronic money of the amount according to the information to the electronic money account of the corresponding recipient of the settlement / management unit 220, this electronic money increase indicates that the electronic money transfer according to the remittance request signal through the financial terminal device 100 separately. It would be desirable to increase / manage.

Then, the service provider 230, the electronic money reduction signal according to the amount increased in the electronic money account of the receiver according to the transfer request signal to the financial terminal device 100 / reply. Accordingly, the financial terminal 100 will deduct the electronic money of the electronic money card A 10 that attempted the transfer request in response to the electronic money deduction signal returned.

Therefore, the electronic money is deducted by the amount of remittance within the electronic money card A 10 that requests the electronic money transfer to a predetermined receiver by operating the financial terminal device 100, and the corresponding receiver managed by the electronic money service center 200. In the electronic money account of the electronic money is increased by the transfer amount, the electronic money in the electronic money card A (10) can be transferred / moved to a predetermined recipient.

On the other hand, the service provider 230, when the reception confirmation request signal of the above-described configuration is received from the predetermined financial terminal 100 connected through the network 1, the corresponding confirmation target based on the reception confirmation request signal When it is authenticated that the receiver is a legitimate recipient for the electronic money account, the electronic money charging signal according to the amount is returned to the financial terminal device 100.

That is, the service providing unit 230, when the reception confirmation request signal is received from the financial terminal device 100, electronic money account information, electronic money card information, terminal phone corresponding to the reception confirmation target included in the reception confirmation request signal Recognizes the electronic money account corresponding to the acknowledgment target based on the subscriber information storage unit 210 and the settlement / management unit 220 according to at least one information of the number, and user authentication information included in the acknowledgment request signal (eg (Authentication: password) and the subscriber information corresponding to the recognized electronic money account to authenticate the legitimate recipient. For example, if the user authentication information (eg, password) included in the acknowledgment request signal and the password information in the subscriber information corresponding to the recognized electronic money account are the same, it may be determined to be a legitimate recipient.

Accordingly, when the service provider 230 is authenticated as a legitimate receiver, the service providing unit 230 may return / provide the electronic money charging signal of the amount according to the confirmation amount information included in the reception confirmation request signal to the financial terminal 100. Alternatively, if the service provider 230 is authenticated as a legitimate recipient, the electronic device provides the financial terminal device 100 with the electronic money charging signal of the increased amount on the date corresponding to the date information included in the acknowledgment request signal. . Accordingly, the financial terminal device 100 will charge the electronic money of the electronic money card B 20 that attempted the reception confirmation request according to the returned electronic money charging signal.

Of course, the service provider 230, if authenticated as a legitimate recipient, corresponding to the electronic money account, the financial terminal device (e.g., the increase of the electronic money list increased by the remittance request signal for a predetermined period of time (for example, five days). 100), the financial terminal device 100 presents the electronic money list to the user and the user operates the operation unit 110 of the financial terminal device 100 to select a predetermined item in the electronic money list. Study 230 may return / provide the electronic money charging signal of the amount corresponding to the selected item to the financial terminal device (100).

Then, the service providing unit 230, by providing the electronic money charging signal to the financial terminal device 100 is returned from the financial terminal device 100 that the normal processing of the electronic money charging according to the electronic money charging signal, which is subject to acknowledgment The amount corresponding to the electronic money charging signal is deducted from the electronic money account.

At this time, in subtracting the amount corresponding to the electronic money charging signal from the corresponding electronic money account to be confirmed, the electronic money card of each subscriber managed by the settlement / management unit 220 is used by the subscriber offline or In the case of electronic money history information that is separately managed for the present invention, rather than an account that is linked to / managed with electronic money stored in the electronic money module of the terminal, the service provider 230, the electronic money in the corresponding electronic money account to be confirmed The amount corresponding to the charging signal may be subtracted.

That is, the settlement / management unit 220, under the control of the service provider 230, the corresponding electronic money account to provide the electronic money charging signal of the amount according to the receipt request signal to the financial terminal 100, the receipt confirmation target By recording in, the electronic money of the amount requested for acknowledgment can be deducted from the corresponding electronic money account for which acknowledgment is requested.

However, when the electronic money account of each subscriber managed by the settlement / management unit 220 is an account linked / managed with the electronic money card stored in the electronic money card or the electronic money module of the terminal that the subscriber uses offline, In subtracting the amount corresponding to the electronic money charging signal from the electronic money account, the service provider 230 indicates that the electronic money transfer corresponding to the confirmation amount information specified by the receipt request signal from the electronic money account is managed. It would be desirable to subtract the corresponding amount by subtracting / deleting the electronic money history information.

Therefore, in the electronic money card B 20 which has operated the financial terminal device 100 to request confirmation of the electronic money of the predetermined electronic money account, the electronic money is charged by the confirmation amount and managed by the electronic money service center 200. In the electronic money account, the electronic money is deducted by the confirmation amount, so that the electronic money existing in the electronic money account can be received / moved to the electronic money card B 20.

As described above, the electronic money transceiving system according to the present invention uses the financial terminal 100 that can be easily found in the vicinity, and requests the remittance of the electronic money in the electronic money card to a predetermined receiver. ) And the electronic money of the electronic money card requested to be remitted through the linkage between the electronic money service center 200 and the electronic money service of the corresponding recipient managed by the electronic money service center 200 is increased or increased. When requesting the receipt of the electronic money account by interlocking between the financial terminal device 100 and the electronic money service center 200, the electronic money of the electronic money account to be received is received / charged by the electronic money card requested to be acknowledged. Electronic money card can be conveniently and freely executed between electronic money cards and electronic money accounts.

Accordingly, the electronic money transceiving system according to the present invention can easily transfer the electronic money of the electronic money card possessed by the user to another user, and carry the electronic money held in the user's own electronic money account while the user moves the electronic money. An environment that can provide convenience to freely move and hold the electronic money card, which is a storage medium, can be supported.

Hereinafter, a control flow of the electronic money transceiving method according to the present invention configured as described above will be described with reference to FIGS. 4 to 6. Here, for convenience of description, the components shown in FIGS. 1 to 3 will be described with reference to corresponding reference numerals.

First, the electronic money transmission and reception method according to a preferred embodiment of the present invention will be described with reference to FIG. 4.

The user for requesting the electronic money transfer will access the electronic money card A (10) possessed by the financial terminal device (100) (S10). Accordingly, the financial terminal device 100, the electronic money card (for example, electronic money card A (10)) is approached (S15), and the electronic money of a predetermined amount stored in the electronic money card A (10) from the outside It is determined whether a remittance request for requesting a remittance to a predetermined recipient is received (S20).

Accordingly, when the remittance request is received, the financial terminal 100 provides the remittance request signal according to the remittance request to the electronic money service center 200 (S30).

The electronic money service center 200 receiving the remittance request signal from the financial terminal device 100 recognizes the electronic money account of the corresponding recipient according to the remittance request signal, and receives the electronic money of the amount according to the remittance request signal. Increase the electronic money account of (S40). In addition, the electronic money service center 200 replies / provides the electronic money reduction signal according to the corresponding amount increased in the electronic money account of the receiver to the financial terminal 100 (S50).

The financial terminal device 100 that has returned the electronic money deduction signal in response to the remittance request signal provided to the electronic money service center 200, deducts the electronic money of the electronic money card A 10 according to the electronic money deduction signal. (S55).

Accordingly, the electronic money is deducted by the amount of the remittance within the electronic money card A 10 that requests the electronic money transfer to the predetermined receiver by operating the financial terminal device 100, and the corresponding receiver managed by the electronic money service center 200. In the electronic money account of the electronic money is increased by the transfer amount, the electronic money in the electronic money card A (10) can be transferred / moved to a predetermined recipient.

On the other hand, the user for requesting confirmation for the predetermined electronic money account will access the electronic money card B 20 possessed by the financial terminal device 100 (S60). Accordingly, the financial terminal device 100 recognizes the electronic money card (for example, electronic money card B 20) to be accessed (S65), and receives electronic money of a predetermined amount corresponding to a predetermined electronic money account from the outside. It is determined whether an acknowledgment request requesting to be received is received (S70).

Therefore, when the reception confirmation request is received, the financial terminal 100 provides a reception confirmation request signal according to the reception confirmation request to the electronic money service center 200 (S80).

The electronic money service center 200 which has received the acknowledgment request signal from the financial terminal device 100 determines whether it is a legitimate receiver for the corresponding electronic money account which is the subject of acknowledgment based on the acknowledgment request signal (S90). Thus, if it is authenticated as a legitimate recipient, the electronic money service center 200 returns / provides the electronic money charging signal of the amount according to the reception confirmation request signal to the financial terminal device 100 (S100).

The financial terminal device 100 that has returned the electronic money charging signal in response to the formula confirmation request signal provided to the electronic money service center 200, charges the electronic money of the electronic money card B 20 according to the electronic money charging signal. (S105).

Accordingly, in the electronic money card B 20 which has operated the financial terminal device 100 to request confirmation of the electronic money of the predetermined electronic money account, the electronic money is charged by the confirmation amount and managed by the electronic money service center 200. In the electronic money account, the electronic money is deducted by the confirmation amount, so that the electronic money existing in the electronic money account can be received / moved to the electronic money card B 20.

Hereinafter, an electronic money service method of the financial terminal device 100 of the present invention will be described with reference to FIG. 5.

First, the electronic money service method of the financial terminal device 100 of the present invention, the electronic money card (for example, electronic money card A (10)) to be accessed (S110). That is, the financial terminal device 100 recognizes the electronic money card (for example, electronic money card A (10)) accessed or contacted through the card interface unit 120.

In addition, the financial terminal device 100 determines whether a remittance request for remitting a predetermined amount of electronic money stored in the electronic money card A 10 to the predetermined receiver through the operation unit 110 is received (S120). . Therefore, when the remittance request is received, the financial terminal device 100 determines whether the remittance is possible by determining whether the electronic money balance of the electronic money card A 10 recognized in step S110 is greater than or equal to the amount according to the remittance request. (S130). Accordingly, when the electronic money balance of the electronic money card A 10 is equal to or greater than the amount according to the remittance request, the financial terminal device 100 transmits a remittance request signal according to the remittance request to the electronic money service center 200. Provided (S140). On the other hand, if it is determined in step S130 that the transfer is not possible, the financial terminal 100 may indicate that the transfer is not possible according to the transfer request may notify the user of the electronic money card A (10) (S135).

Here, the remittance request signal, according to the remittance request (for example, remittance amount, instruction information, etc.) received through the operation unit 110, at least among the electronic money account information, electronic money card information, terminal phone number corresponding to the corresponding recipient It may include at least one of any one of the information, the remitter amount information and the remitter information corresponding to the remitter requesting the remittance.

For example, if the user of the electronic money card A (10) attempts to transfer the remittance amount (for example, 200,000 won) to the electronic money card B (20), the user operates the operation unit 110 to transfer the remittance amount ( Example: 200,000 won) and instruction information indicating the recipient (for example, electronic money account information, electronic money card information of the recipient corresponding to the electronic money card B (20), any one of the terminal phone number of the terminal device 30) Will attempt to request a remittance. Accordingly, the financial terminal device 100 corresponds to at least one of electronic money account information, electronic money card information, and terminal phone number, remittance amount information, and remitter requesting remittance according to the remittance request. Provides a remittance request signal including at least one of the remitter information to the electronic money service center (200).

Here, the remitter information is preferably card identification information corresponding to the electronic money card A (10) attempting to transfer money, and the financial terminal device (100) is accessed or contacted through the card interface unit (120). By recognizing A 10, the card identification information of the electronic money card A 10 may be obtained.

Accordingly, the financial terminal device 100 determines whether the electronic money deduction signal is returned in response to the remittance request signal provided to the electronic money service center 200 (S150), and when the electronic money deduction signal is returned, the electronic money deduction is returned. The electronic money of the electronic money card A 10 is subtracted according to the signal (S155).

That is, the financial terminal device 100, when the electronic money reduction signal corresponding to the transfer amount (for example, 200,000 won) is returned from the electronic money service center 200 in response to the transfer request signal, the card interface unit 120 By communicating with the electronic money card A (10) in the state of access or contact through the electronic money can be deducted electronic money of the amount (for example 200,000 won) according to the electronic money reduction signal.

On the other hand, when the remittance request is not received in step S120, the financial terminal 100 is determined through the operation unit 110 for the corresponding electronic money card (for example, electronic money card B 20) recognized in step S110. It is determined whether an acknowledgment request for receiving the electronic money of a predetermined amount corresponding to the electronic money account is received (S160).

Therefore, when the reception confirmation request is received, the financial terminal 100 provides a reception confirmation request signal according to the reception confirmation request to the external electronic money service center 200 (S170).

That is, the financial terminal device 100 inputs a date, a confirmation amount, indication information indicating an electronic money account, etc. to be confirmed by the user operating the operation unit 110, and selects an acknowledgment attempt. When a confirmation request for requesting to receive a predetermined amount of electronic money corresponding to the corresponding electronic money account is received through 110, access to the electronic money service center 200 corresponding thereto through the network 1 and a reception confirmation request signal. Provides to the electronic money service center (200).

At this time, the acknowledgment request signal, according to the acknowledgment request received through the operation unit 110, at least one of the information and the confirmation amount of the electronic money account information, electronic money card information, the terminal phone number corresponding to the reception confirmation object At least one of the information and the user authentication information.

For example, if the user of the electronic money card B 20 attempts to confirm receipt for a specific date (for example, May 1) or a specific confirmation amount (for example, 200,000 won), the user controls the operation unit 110. To enter a specific date (e.g. May 1) or a specific confirmation amount (e.g. 200,000 won), and the instruction information (e.g. electronic money card B) indicating the electronic money account corresponding to the acknowledgment target. (20) the electronic money account information, electronic money card information, any one of the terminal phone number of the terminal device 30) will be entered to attempt to confirm receipt request.

Of course, when attempting to acknowledge the electronic money as described above, it is necessary to authenticate whether or not the legitimate recipient, so that various types of user authentication can be performed. To enter your own user authentication information (e.g. password).

Accordingly, the financial terminal device 100, at least one of the electronic money account information, the electronic money card information, the terminal phone number, the confirmation amount information and the date information and the user corresponding to the reception confirmation request according to the reception confirmation request An acknowledgment request signal including at least one of the authentication information may be provided to the electronic money service center 200.

Further, the financial terminal device 100 determines whether the electronic money charging signal is returned in response to the reception confirmation request signal provided to the electronic money service center 200 (S180), and the electronic money returned when the electronic money charging signal is returned. The electronic money of the electronic money card B 20 is charged according to the currency charging signal (S190).

That is, the financial terminal device 100, when the electronic money charging signal corresponding to the confirmation amount (for example, 200,000 won) is returned from the electronic money service center 200 in response to the reception confirmation request signal, the card interface unit 120 By communicating with the corresponding electronic money card B 20 in the approach or contact state through the electronic money charging signal can be charged electronic money (for example, 200,000 won).

When the electronic money charging of the electronic money card B 20 is normally processed according to the electronic money charging signal, the financial terminal device 100 notifies the electronic money service center 200 that the electronic money charging is normally processed. (S195).

Hereinafter, an electronic money service method of the electronic money service center 200 according to the present invention will be described with reference to FIG. 6.

Basically, in the electronic money service method of the electronic money service center 200 of the present invention, the electronic money service provided by the electronic money service center 200 manages an electronic money account of each of at least one subscriber who has subscribed to the electronic money service (200). Of course, the electronic money service method of the electronic money service center 200 of the present invention may store / manage the subscriber information of each of at least one subscriber subscribed to the electronic money service provided by the electronic money service center 200.

Accordingly, the electronic money service method of the electronic money service center 200 of the present invention determines whether the remittance request signal having the above-described configuration is received from the predetermined financial terminal device 100 (S210). When the remittance request signal is received, the electronic money service center 200 recognizes the electronic money account of the corresponding recipient according to the remittance request signal and increases the electronic money of the amount according to the remittance request signal to the electronic money account of the receiver. .

That is, when the electronic money service center 200 receives a remittance request signal from the financial terminal device 100, the electronic money service center 200 includes at least one of electronic money account information, electronic money card information, and terminal phone number corresponding to the receiver included in the remittance request signal. The electronic money account is recognized based on the subscriber information storage unit 210 and the settlement / management unit 220 according to any one of the information (S220), and the electronic money of the amount according to the remittance amount information included in the remittance request signal is settled. / Increase to the electronic money account of the receiver of the management unit 220 (S230).

Then, the electronic money service center 200 replies / provides the electronic money reduction signal according to the amount increased from the electronic money account of the receiver to the financial terminal device 100 (S240). Accordingly, the financial terminal 100 will deduct the electronic money of the electronic money card A 10 that attempted the transfer request in response to the electronic money deduction signal returned.

On the other hand, if the electronic money service center 200 does not receive the remittance request signal in step S210 determines whether the receipt request signal of the above configuration is received from the financial terminal device (100) (S250). Therefore, when the reception confirmation request signal is received, the electronic money service center 200 receives the electronic money charging signal according to the corresponding amount when it is authenticated as a legitimate receiver for the corresponding electronic money account that is the target of receipt based on the reception confirmation request signal. Return to the financial terminal device (100).

That is, when the electronic money service center 200 receives the reception confirmation request signal from the financial terminal device 100, the electronic money account information, the electronic money card information, and the terminal phone corresponding to the reception confirmation target included in the reception confirmation request signal Based on the subscriber information storage unit 210 and the settlement / management unit 220 according to the information of at least one of the number to recognize the electronic money account corresponding to the confirmation target (S260), the user authentication included in the receipt request signal On the basis of the information (eg, password) and subscriber information corresponding to the recognized electronic money account, it is authenticated whether or not it is a legitimate recipient (S270). For example, if the user authentication information (eg, password) included in the acknowledgment request signal and the password information in the subscriber information corresponding to the recognized electronic money account are the same, it may be determined to be a legitimate recipient.

Therefore, when the electronic money service center 200 is determined to be a valid receiver as a result of the determination in step S270, the electronic money charging signal of the amount according to the confirmation amount information included in the reception confirmation request signal is returned to the financial terminal device 100 / Provided (S280). Alternatively, when the electronic money service center 200 is authenticated as a legitimate recipient, the electronic money service center 200 may reply / provide the electronic money charging signal of the increased amount to the financial terminal device 100 on the date corresponding to the date information included in the reception request signal. Can be.

Accordingly, the financial terminal device 100 will charge the electronic money of the electronic money card B 20 that attempted the reception confirmation request according to the returned electronic money charging signal.

Of course, when the electronic money service center 200 is authenticated as a legitimate recipient, the electronic money service center 200 provides the financial terminal device 100 with an increased electronic money list for a predetermined period (for example, 5 days) corresponding to the electronic money account. When the financial terminal device 100 presents the electronic money list to the user and the user operates the operation unit 110 of the financial terminal device 100 to select a predetermined item in the electronic money list, the service provider 230 The electronic money charging signal of the amount corresponding to the selected item may be returned / provided to the financial terminal 100.

The electronic money service center 200 provides the electronic money charging signal to the financial terminal 100 to determine whether the electronic money charging according to the electronic money charging signal is normally processed and returned from the financial terminal device 100 (S290). ), If the electronic money charging is normally processed, the amount corresponding to the electronic money charging signal is subtracted from the corresponding electronic money account to be confirmed (S300).

As described above, the electronic money transceiving method according to the present invention, by using the financial terminal 100 can be easily found in the vicinity, the financial terminal device 100 when the electronic money in the electronic money card to request a transfer to a predetermined recipient ) And the electronic money of the electronic money card requested to be remitted through the linkage between the electronic money service center 200 and the electronic money service of the corresponding recipient managed by the electronic money service center 200 is increased or increased. When requesting the receipt of the electronic money account by interlocking between the financial terminal device 100 and the electronic money service center 200, the electronic money of the electronic money account to be received is received / charged by the electronic money card requested to be acknowledged. Electronic money card can be conveniently and freely executed between electronic money cards and electronic money accounts.

Therefore, the electronic money transmission and reception method according to the present invention, the user can easily transfer the electronic money of the electronic money card possessed by the user, the electronic money held in the user's own electronic money account while the user is carried An environment that can provide convenience to freely move and hold the electronic money card, which is a storage medium, can be supported.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various changes or modifications can be made.

Using a financial terminal device that can be easily found in the vicinity, if the electronic money in the electronic money card is requested to be remitted to a predetermined recipient, the electronic money service of the electronic money card requested by the electronic money card through the linkage between the financial terminal device and the electronic money service center Remittance / increase to the recipient's electronic money account managed by the center, and when a request for acknowledgment of a predetermined electronic money account for the electronic money card is requested, the link between the financial terminal device and the electronic money service center is used. When the electronic money is received / charged by the electronic money card requested for acknowledgment, the electronic money transmission / reception system and the electronic money transfer method of the present invention which can conveniently and freely execute electronic money transmission and reception between the electronic money card and the electronic money account are applied. Improve the transmission and reception of electronic money, induce the use of electronic money, It is an invention that can bring great progress in terms of user satisfaction and is industrially applicable because the financial terminal device and the electronic money service center applicable to the market or sales are not only sufficient, but also realistically implemented.

1 is a control block diagram of an electronic money transceiving system according to a preferred embodiment of the present invention.

2 is a control block diagram of a financial terminal device according to a preferred embodiment of the present invention.

3 is a control block diagram of an electronic money service center according to a preferred embodiment of the present invention.

4 is a flowchart illustrating a control flow of an electronic money transceiving method according to a preferred embodiment of the present invention.

5 is a flowchart illustrating a control flow of an electronic money service method of a financial terminal device according to an exemplary embodiment of the present invention.

6 is a flowchart illustrating a control flow of an electronic money service method of an electronic money service center according to a preferred embodiment of the present invention.

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

1: network 10, 20: electronic money card

30: terminal device 100: financial terminal device

200: Electronic Money Service Center

Claims (19)

An electronic money card for storing electronic money; Recognizing an electronic money card that is approached, and when a transfer request for remitting a predetermined amount of electronic money stored in the electronic money card to a predetermined recipient is received, provides a transfer request signal according to the transfer request signal, A financial terminal device for deducting electronic money from the electronic money card in response to the electronic money deduction signal returned; And Recognize the electronic money account of the recipient according to the remittance request signal from the financial terminal device, increase the electronic money of the amount according to the remittance request signal to the electronic money account of the receiver, and reduce the electronic money deduction signal according to the amount. An electronic money service center for returning to the financial terminal device; The electronic money service center, When the acknowledgment request signal is received from the financial terminal device, when it is authenticated as a legitimate receiver for the electronic money account that is the acknowledgment target based on the acknowledgment request signal, the remittance request signal for a predetermined period in the electronic money account that is the acknowledgment target. Providing the electronic money list increased by the financial terminal device, and returning the electronic money charging signal according to the amount corresponding to a predetermined item selected from the electronic money list to the financial terminal device; The financial terminal device, When an acknowledgment request is received from the outside requesting to receive a predetermined amount of electronic money corresponding to a predetermined electronic money account, an acknowledgment request signal is provided to the electronic money service center, and the acknowledgment request signal is received. Selecting a predetermined item from the list of electronic money provided corresponding to the electronic money list, and charging the electronic money of an electronic money card accessed according to the electronic money charging signal returned in response to the selected predetermined item. delete The method of claim 1, The financial terminal device, Electronic money transceiving system comprising an ATM (Automated Teller Machine) for accessing the electronic money service center through a financial network. An operation unit for receiving a user input from the outside; A card interface unit communicating with an electronic money card approaching; And Recognizing the electronic money card to be accessed through the card interface unit, and when the transfer request for requesting to transfer the electronic money of the predetermined amount stored in the electronic money card through the operation unit is received, the transfer request signal accordingly Provides an external electronic money service center, deducts the electronic money of the electronic money card according to the electronic money deduction signal returned from the electronic money service center in response to the remittance request signal, When a receipt confirmation request is received through the operation unit requesting to receive a predetermined amount of electronic money corresponding to the electronic money account that is a predetermined confirmation, the reception request signal is provided to the electronic money service center. When a predetermined item is selected from the electronic money list provided in response to the confirmation request signal through the operation unit, the electronic money card of the electronic money card approached according to the electronic money charging signal returned from the electronic money service center corresponding to the selected predetermined item. Financial terminal device comprising a device control unit for charging money. 5. The method of claim 4, The remittance request signal, According to the remittance request received through the operation unit at least one of the electronic money account information, electronic money card information, the terminal phone number corresponding to the recipient and the remitter corresponding to the remitter requesting remittance amount information and remittance Financial terminal device comprising at least one of the information. delete 5. The method of claim 4, The acknowledgment request signal is, At least one of electronic money account information, electronic money card information, and terminal phone number corresponding to the reception confirmation target and at least one of the confirmation amount information and the user authentication information according to the reception confirmation request received through the operation unit. Financial terminal device, characterized in that. Settlement / management unit for managing the electronic money account corresponding to each subscriber; When the remittance request signal is received from a predetermined financial terminal device, the electronic money account of the corresponding recipient is recognized according to the remittance request signal, and the electronic money of the amount according to the remittance request signal is increased to the electronic money account of the receiver, and the increased Return the electronic money reduction signal according to the amount to the financial terminal device; If a receipt confirmation request signal is received from the financial terminal device requesting to receive a predetermined amount of electronic money corresponding to a predetermined receipt confirmation electronic money account, the received receipt request signal for the corresponding electronic money account is received. If it is authenticated that it is a legitimate recipient, the electronic money account, which is the subject of acknowledgment, is provided to the financial terminal device with the electronic money list increased by the remittance request signal for a predetermined period, and the amount corresponding to the predetermined item selected from the electronic money list. Electronic money service center comprising a service provider for returning the electronic money charging signal to the financial terminal device. delete 9. The method of claim 8, The service provider, When the electronic money charging signal is provided to the financial terminal device and the electronic money charging according to the electronic money charging signal is normally processed, the amount corresponding to the electronic money charging signal is subtracted from the corresponding electronic money account. Electronic money service center, characterized in that. When a financial terminal device that recognizes an electronic money card that stores electronic money receives a remittance request requesting to transfer a predetermined amount of electronic money stored in the electronic money card to a predetermined receiver, a remittance request signal is received accordingly. Providing; The electronic money service center receiving the remittance request signal from the financial terminal device recognizes the electronic money account of the corresponding recipient according to the remittance request signal, and converts the electronic money of the amount according to the remittance request signal to the electronic money account of the receiver. Providing an electronic money reduction signal according to the amount to the financial terminal device; If the electronic money deduction signal is returned in response to the remittance request signal, deducting the electronic money of the electronic money card according to the electronic money deduction signal; When the financial terminal device receives an acknowledgment request requesting that the financial terminal device receive the electronic money corresponding to the electronic money account that is a predetermined acknowledgment from the outside, the financial terminal device provides the electronic acquiring service center with the corresponding acknowledgment request signal. step; When the acknowledgment request signal is received from the financial terminal device, the electronic money service center is determined to be a valid recipient of the acknowledgment request electronic money account based on the acknowledgment request signal. Providing an electronic money list increased by the remittance request signal during the period to the financial terminal device;  Selecting, by the financial terminal device, a predetermined item from the electronic money list provided in response to the acknowledgment request signal; Providing, by the electronic money service center, an electronic money charging signal according to an amount corresponding to a predetermined item selected from the financial terminal device in the electronic money list to the financial terminal device; And recharging the electronic money of an electronic money card accessed according to the electronic money charging signal returned by the financial terminal device in response to the selected predetermined item. The method of claim 11, The financial terminal device, Electronic money transmitting and receiving device (ATM) Automated Teller Machine (ATM) accessing the electronic money service center through a financial network. Recognizing an electronic money card storing electronic money; Determining whether a remittance request is received which requests remittance of a predetermined amount of electronic money stored in the electronic money card to a predetermined receiver according to a user input from an outside; If the remittance request is received, providing a remittance request signal according to the external electronic money service center; Subtracting the electronic money of the electronic money card according to the electronic money deduction signal when the electronic money deduction signal is returned from the electronic money service center in response to the remittance request signal; When receiving an acknowledgment request requesting to receive a predetermined amount of electronic money corresponding to an electronic money account that is a predetermined acknowledgment target from an external user input, providing an acknowledgment request signal to the electronic money service center accordingly. step; If a predetermined item is selected according to a user input among electronic money lists provided in response to the acknowledgment request signal, the electronic money card approached according to the electronic money charging signal returned from the electronic money service center corresponding to the selected predetermined item. Electronic money service method of a financial terminal device comprising the step of charging the electronic money. The method of claim 13, The remittance request signal, At least one of electronic money account information, electronic money card information, and terminal telephone number corresponding to the recipient according to the remittance request, remittance amount information and remitter information corresponding to the remitter requesting remittance Electronic money service method of a financial terminal device comprising a. delete The method of claim 13, The acknowledgment request signal is, At least one of electronic money account information, electronic money card information, and terminal telephone number corresponding to an acknowledgment request and at least one of confirmation amount information and user authentication information according to the acknowledgment request. Electronic money service method of financial terminal device. Managing an electronic money account corresponding to each subscriber; Determining whether a remittance request signal is received from a predetermined financial terminal device; When the remittance request signal is received, the electronic money account of the corresponding recipient is recognized according to the remittance request signal, and the electronic money of the amount according to the remittance request signal is increased to the electronic money account of the receiver, and according to the increased amount Returning an electronic money reduction signal to the financial terminal device; If a receipt confirmation request signal is received from the financial terminal device requesting to receive a predetermined amount of electronic money corresponding to a predetermined receipt confirmation electronic money account, the received receipt request signal for the corresponding electronic money account is received. Providing an electronic money list, increased by a remittance request signal for a predetermined period, to the financial terminal device in the electronic money account that is the subject of acknowledgment when the authorized recipient is authenticated; And providing an electronic money charging signal corresponding to an amount corresponding to a predetermined item selected from the electronic money list to the financial terminal device. delete The method of claim 17, When the electronic money charging signal is provided to the financial terminal device and the electronic money charging according to the electronic money charging signal is normally processed, the amount corresponding to the electronic money charging signal is subtracted from the corresponding electronic money account. Electronic money service method of the electronic money service center, characterized in that it further comprises the step of.

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