KR20020007973A - Method for depositing through the mobile phone terminal - Google Patents

Abstract

PURPOSE: A transferring method using a mobile terminal is provided to increase the convenience of a user by respectively connecting the number of a mobile terminal with a financial account, and by enabling the user to transfer money to an account connecting to another person's mobile phone number. CONSTITUTION: A remittance mobile terminal is connected to a financial transfer server(S110). The remittance mobile terminal registers data to be used in remittance(S120). It is judged whether the remittance is performed(S130). The remittance mobile terminal is connected to the financial transfer server. In addition, the remittance mobile terminal sets up a sort of remittance to be remitted(S135). The remittance mobile terminal sets up an item of remittance(S140). After the transfer is performed according to the item, a result of transfer is reported to a collection mobile terminal(S150). The collection mobile terminal receives and stores the result(S160). The collection mobile terminal confirms the item of transfer to a virtual account(S170). A financial transfer server transfers the amount of money to a real account of the collection mobile terminal registered(S180).

Description

Transfer method using mobile phone terminal {Method for depositing through the mobile phone terminal}

The present invention relates to a transfer method, and more specifically, after connecting the number of the mobile phone terminal and the financial account, respectively, the payment is possible for the transaction using the mobile phone terminal number of the remitting and collecting side, money If you buy a separate electronic money or have a balance in the financial account without applying for a credit card, or if you make a credit loan in the financial account, you can pay immediately regardless of time and place. It relates to a transfer method using a mobile phone terminal that performs a transaction smoothly.

Even in the early 1990s, some of those who knew how to use computers, the Internet, which some of them used as their own means of communication, are now a necessity to be made available without a computer, and even the human race for the new millennium Also known as a passport. One of the decisive moments of the popularization of the Internet is the Web.

Recently, various services such as e-commerce, e-advertisement, and internet phone are provided based on such internet web, and internet service is the most as the users can easily receive the service through the internet. It is emerging as an important business.

In the case of conducting e-commerce among these Internet services, the payment method is performed by using an online payment through a credit card or a non-bankbook deposit, which means that the user must own the credit card. In order to have the user has to visit the financial institution directly.

In order to overcome this, Internet electronic money is used. However, in the case of the Internet electronic money, there must be a computer connected to the Internet. Therefore, it cannot be used where there is no computer or the Internet is not connected. Even if you had to buy internet electronic money first, if you want to buy something on the street and do not own cash, or if you do not know the other party's account number, In the same way, there is a disadvantage in that payment or transfer of cash is impossible in the case of an individual-to-person transaction.

Accordingly, the present invention was devised to solve such a problem, and an object of the present invention is to connect a mobile phone number and a financial account, and then use the mobile phone number of the remitter and the remitter. Transactions can be settled and payments can be made immediately from the point of purchase of electronic money, if there is a balance in the financial account without applying for a credit card, or if a credit is made in the financial account. It is to provide a transfer method using a mobile phone terminal that performs financial transactions smoothly regardless of time and place.

1 is a configuration diagram showing a first embodiment of a transfer system using a mobile telephone terminal according to the present invention;

2 is a block diagram showing a second embodiment of a transfer system using a mobile phone terminal according to the present invention;

3 is a flowchart of a first embodiment of a transfer system using a mobile telephone terminal according to the present invention;

4 is a flowchart of a second embodiment of a transfer system using a mobile phone terminal according to the present invention;

5 is an exemplary view of performing a first embodiment using a transfer system using a mobile phone terminal according to the present invention;

6 and 7 are diagrams illustrating a second embodiment using a transfer system using a mobile phone terminal according to the present invention.

<Description of Symbols of Major Parts of Drawings>

100: wireless Internet 200: remittance mobile phone terminal

210: connection unit 220: remittance data setting unit

230: remittance data transmission unit 300: financial transfer server

310: remittance data receiving unit 320: account user authentication unit

330: account DB 340: remittance data approval unit

350: remittance data notification unit 360: credit card DB

400: collection mobile phone terminal 410: collection data receiving unit

420: collection data storage unit 430: collection data display unit

500, 550: Wireless Internet Gateway

600: payment mobile phone terminal 610: connection

620: payment data setting unit 630: payment data transmission unit

700: financial transfer server 710: payment data receiving unit

720: account user authentication unit 730: account DB

740: payment data approval unit 750: payment data notification unit

760: Credit card DB

800: mobile phone terminal for sale 810: payment data receiving unit

820: payment data storage unit 830: payment data display unit

900: Wired Internet

1000: Credit Card Company

According to a first aspect of the present invention, there is provided a transfer method using a mobile telephone terminal of the present invention, comprising: a remittance mobile telephone terminal for setting information of a remitting party for remittance via wireless Internet; A financial transfer server that receives data transmitted from the remittance mobile phone terminal through a wireless internet gateway, authenticates whether the remittance mobile phone terminal normally uses a registered account, and performs remittance; A collection mobile telephone terminal for receiving and storing the remittance data transmitted through the wireless Internet from the financial transfer server; A transfer method using a mobile phone terminal under a system including a credit card company that notifies the financial transfer server of the result data of a credit card use authorization application transmitted from the financial transfer server, the transfer money transfer terminal from the financial terminal; Accessing a transfer server to register predetermined data to be used for money transfer by the remittance mobile phone terminal (a); (B) setting a remittance type and remittance details for performing a remittance by accessing the financial transfer server when a remittance occurs using the remittance mobile phone terminal after the registration; (C) notifying the collection mobile telephone terminal of the result data of performing the transfer to the collection mobile telephone terminal according to the set information in a predetermined method; And (d) receiving and storing the informed information at the collection mobile terminal and displaying the received information.

In accordance with a second embodiment of the present invention for achieving the above objects, the present invention provides a transfer method using a mobile phone terminal, the information of a user who makes a payment through a wireless Internet for payment of a product or a service received from a specific company. A mobile payment terminal for setting a; A financial transfer server which receives data transmitted from the payment mobile phone terminal through a wireless internet gateway, authenticates whether the payment mobile phone terminal is normally registered, and performs payment; A selling mobile telephone terminal for receiving and storing payment data transmitted from the financial transfer server through the wireless Internet and displaying the received payment data; A transfer method using a mobile phone terminal under a system including a credit card company that notifies the financial transfer server of the result data for the credit card use authorization application transmitted from the financial transfer server, the payment mobile phone terminal in the financial method. Accessing a transfer server and registering predetermined data for payment by the payment mobile phone terminal (a); (B) setting a payment type and a payment history for performing a payment by accessing the financial transfer server when the payment occurs using the payment mobile phone terminal after the registration; (C) notifying the sales mobile phone terminal of the result data after the payment is made to the sales mobile phone terminal according to the set information; And (d) receiving and storing the transmitted information in the sales mobile telephone terminal and displaying the received information.

Hereinafter, the objects, features, and advantages of the present invention described above will be described in detail with reference to preferred embodiments of the present invention shown in the accompanying drawings.

First, Figure 1 is a block diagram showing a transfer system using a mobile phone terminal, according to the present invention.

As shown, the remittance mobile phone terminal 200 is connected to the financial transfer server 300 connected to the mobile Internet gateway 500 through the wireless Internet 100 using the connection unit 210, the remittance data setting unit Transfer method using (220) (e.g., real account, virtual account, credit card), the telephone number of the remitter, the telephone number of the remitter, the amount to be remitted, the account number used to perform the transfer, the credit card After setting the number and the simple memo data, it is transmitted to the financial transfer server 300 by using the remittance data transmission unit 230.

The financial transfer server 300 receives the data transmitted through the remittance data transmitter 230 through the remittance data receiver 310 and then stores the account DB 330 and credit card data that store the actual account and virtual account data. It stores in the card DB 360 for storing the money, and the normal use of the account registered by the remittance and collection mobile phone terminal using the account user authentication unit 320, and the remittance data approval unit for the authenticated user ( The approval is performed through 340, and the result data is transmitted to the collection mobile terminal 400 through the wireless Internet 100 using the remittance data notification unit 350.

The collection mobile terminal 400 receives the data transmitted through the wireless internet 100 using the remittance data notification unit 350 through the collection data receiving unit 410 and stores the collection data in the collection data storage unit 420. The received data is displayed using the collection data display unit 430.

The credit card company 1000 notifies the financial transfer server 300 of the result data for the credit card use authorization application transmitted from the financial transfer server 300, thereby allowing the normal use of the credit card owned by the remittance mobile phone terminal 200. Tell whether or not.

2 is a block diagram showing a second embodiment of a transfer system using a mobile phone terminal according to the present invention.

As shown, the payment mobile phone terminal 600 may purchase a product from a specific company (eg, an internet shopping mall, a gas station, etc.) or use the connection unit 610 to perform a payment for the service of the wireless Internet ( After accessing the financial transfer server 700 connected to the mobile Internet gateway 500 through 100, the payment method (eg, real account, virtual account, credit card) and payment using the payment data setting unit 620 Set the phone number of the side, the telephone number of the side to be received, the amount to be paid, the transaction number for payment and simple memo data, and transmits to the financial transfer server 700 using the payment data transmission unit 630.

The financial transfer server 700 receives the data transmitted through the payment data transmission unit 630 through the payment data receiving unit 710, and then stores the account DB 330 and credit card data that stores the actual account and the virtual account data. It stores in the card DB 360 for storing, using the account user authentication unit 720 to verify whether the payment mobile phone terminal and the sale mobile phone terminal normal use of the registered account, payment data for the authenticated user The payment is performed through the approval unit 740, and the result data is transmitted to the sales mobile phone terminal 800 through the wired Internet 900 using the payment data notification unit 750.

The sales mobile phone terminal 800 receives the data transmitted through the wireless internet 100 using the payment data notification unit 750 through the payment data receiving unit 810 and stores the data in the payment data storage unit 820. In addition, the received data is displayed using the payment data display unit 830.

The credit card company 1000 notifies the financial transfer server 300 of the result data for the credit card use authorization application transmitted from the financial transfer server 300, thereby allowing the normal use of the credit card owned by the remittance mobile phone terminal 200. Tell whether or not.

Hereinafter, a transfer method using a mobile phone terminal of the present invention for achieving the above objects will be described in detail with reference to FIGS. 1 to 7.

First, a transfer method using a mobile phone terminal in an individual-to-person transaction is as follows.

The remittance mobile phone terminal 200 accesses the financial transfer server 300 (step S110) and registers predetermined data to be used for remittance by the remittance mobile phone terminal 200 (step S120).

Here, the connection is connected to the wireless Internet gateway 500 through the wireless Internet 100 using the Internet browser included in the connection unit 210 of the remittance mobile phone terminal 200, as shown in FIG. It is made by accessing the financial transfer server 300.

The predetermined data may include actual account data for a financial transaction held by the remittance mobile phone terminal 200 and credit card data held by the remittance mobile phone terminal 200. Registration of the credit card data is registered using the remittance data setting unit 220 of the remittance mobile phone terminal 200. The remittance mobile phone number for transferring money to the remittance data transmitted from the remittance mobile phone terminal 200. , The account number to be transferred, the credit card number to be used for the transfer, the password for the user authentication and the user name information is set to match, and the set information is databased in the account DB 330 and the card DB 360 Stored.

After the registration, when the case of remittance using the remittance mobile phone terminal 200 (step S130), the remittance type (step S135) and the remittance details for accessing the financial transfer server 300 to perform remittance (Step S140).

Here, the remittance type includes at least one or more of a credit card remittance, real account remittance and virtual account remittance, the remittance details are the number of the remittance mobile phone terminal 200, the number of the collection mobile phone terminal 400 , The amount to be remitted, a password for authenticating the use of the remittance mobile phone terminal 200, a transaction number for performing the remittance, and a memo information for transmitting to the remittance mobile phone terminal 400, which is remittance data. The setting unit 220 is used to set the format as shown in FIG.

On the other hand, when the transfer using the actual account using the remittance mobile phone terminal 200, for example, the user of the remittance mobile phone terminal 200 transfers the money for the wedding of the user of the collection mobile phone terminal 400 In this case, even if you do not know the bank account number, after entering only the phone number of the collection mobile phone terminal 400, and set the transfer amount to execute the transfer can perform the same function as performing the account transfer to the bank account number. In addition to the transfer of the congratulatory money expressed in the above, it is possible to transfer money in this way even if you lend cash or get back the loan.

On the other hand, in the case of remittance using a credit card, whether to use the cash service and lump sum payment or installment service is set in the remittance data setting unit 220 of the remittance mobile phone terminal 200, and then the contents set by the financial transfer server 300. Will be sent.

The financial transfer server 300 receives the credit card information from the card DB 360 and checks whether the credit card company 1000 is authorized through the wired Internet 900 to check the credit card information. Notify 300.

At this time, the user of the collection mobile phone terminal 400 must be registered in the account DB 330 user information (for example, mobile phone terminal number, transaction account number) in the financial transfer server 300.

In addition, it is also possible to reserve money to the collection mobile phone terminal 400 by reserving the date to be remitted by the money transfer mobile phone terminal 200 using the remittance data setting unit 220.

According to the set details, the result of the transfer to the collection mobile telephone terminal 400 is notified to the collection mobile telephone terminal 400 by a predetermined method (step S150).

Here, the execution of the transfer through the actual account is the financial information connected to the wireless Internet gateway 500 via the wireless Internet 100 via the wire transfer data transmission unit 230 to the information set through the transfer data setting unit 220 It is made by the transfer to the server 300, the predetermined method includes the display using a SMS (Short Message Service).

In addition, after receiving the data transmitted through the remittance data transmission unit 230 in the remittance data receiver 310 shown in FIG. 1, the existence of the same data in the account DB 330 through the account user authentication unit 320. It is determined whether or not the normal use of the data received from the remittance data receiving unit 310 by checking, and, as a result of the determination, the data received by the remitting data receiving unit 310 in the account DB (330) (for example, the mobile terminal of the transmitting side) Number, receiving mobile terminal number, password) is the same as the data previously registered in the account DB (330), the account previously registered by the collection mobile terminal 200 for the amount requested by the remittance mobile terminal 200 This is done by performing a transfer.

On the other hand, in the case of performing the account transfer through the virtual account, the data set in the remittance data setting unit 220 of the remittance mobile phone terminal 200 is transmitted to the financial transfer server 300 as it is, and received the financial transfer server 300 is performed by opening a virtual account corresponding to each of the received data and temporarily performing a transfer between virtual account transfers.

On the other hand, in the case of performing an account transfer through a credit card, the financial transfer server 300 approves the use of the credit card and performs card payment as much as the amount to be transferred to the account using a cash service, a lump sum or an installment service, and then collects The mobile phone terminal 200 performs a transfer to a pre-registered account.

The received result is received and stored in the collection mobile telephone terminal 400, and then displayed (step S160).

Here, the reception of the reported result is made in the collection data receiving unit 410 of the collection mobile telephone terminal 400, which is stored in the collection data storage unit 420, and using the collection data display unit 430. It is displayed in the format as shown in 5 (b).

On the other hand, when the account transfer is performed using a virtual account, the collection mobile phone terminal 400 checks the details of the transfer received in the virtual account (step S170), and collects the amount corresponding to the details of the mobile phone terminal 400 ) The transfer request to the financial transfer server 300 to the actual account owned by the financial transfer server 300, the financial transfer server 300 receives the transfer of the corresponding amount to the actual account of the pre-registered collection mobile phone terminal 400 It further includes a step (step S180).

Second, the transfer method using the mobile phone terminal in the transaction between individual and company is as follows.

The payment mobile phone terminal 600 accesses the financial transfer server 700 (step S210) and registers predetermined data to be used for payment by the payment mobile phone terminal 600 (step S220).

Here, as shown in FIG. 2, the connection is connected to the wireless internet gateway 500 through the wireless internet 100 using an internet browser included in the connection 610 of the payment mobile phone terminal 600. By connecting to the financial transfer server 700.

In addition, the registration of the payment account is registered using the payment data setting unit 620 of the payment mobile phone terminal 600, the payment mobile phone to perform payment for the payment data transmitted from the payment mobile phone terminal 600 The terminal number, the account number to be settled, the password for the user authentication and the user name information are set to match, and the set information is databased and stored in the account DB 730 and the card DB 760.

After the registration, if a payment occurs using the payment mobile phone terminal 600 (step S230), the payment type (step S235) and payment details for accessing the financial transfer server 700 to perform the payment. (Step S240).

Herein, the payment type includes at least one of a credit card payment, a real account payment, and a virtual account payment, and the payment details are the number of the payment mobile phone terminal 600 and the number of the sales mobile phone terminal 800. , The amount to be paid, a password for authenticating the use of the payment mobile phone terminal 600, a transaction number for performing the payment, and memo information for transferring to the sales mobile phone terminal 800, which includes payment data. The setting unit 620 is used to set the format as shown in FIG. 6A.

In this case, for example, when the payment is made using the payment mobile phone terminal 600, as shown in FIG. 6, when the user purchases a walkman at a specific shopping mall equipped with the sales mobile phone terminal 800, the payment is performed. 2, (a) and (b) refers to a case where payment is performed after refueling at a gas station having a sales mobile telephone terminal 800 as shown in FIG.

On the other hand, in the case of payment using a credit card, the payment data setting unit 620 of the payment mobile phone terminal 600 whether to use a cash service and a lump sum payment or an installment service, and then the contents set by the financial transfer server 300 Will be sent.

The financial transfer server 300 receives the credit card information from the card DB 760 and checks whether the credit card company 1000 is authorized through the wired Internet 900 to check the credit card company 1000. Notify 300.

At this time, the user of the sales mobile phone terminal 800 must be registered in the account DB 730 user information (for example, mobile phone terminal number, transaction account number) in the financial transfer server 700.

In addition, it is also possible to make a reservation payment with the sales mobile phone terminal 400 by making a reservation using the payment data setting unit 620 for the date to be paid by the payment mobile phone terminal 200.

According to the set details, the result of the payment to the sales mobile telephone terminal 800 is notified to the sales mobile telephone terminal 800 by a predetermined method (step S250).

Here, the execution of the payment through the actual account is the financial information connected to the wireless Internet gateway 500 via the wireless Internet 100 through the payment data transmission unit 630 through the information set through the payment data setting unit 620 It is made by the transfer to the server 700, the predetermined method includes the display using a SMS (Short Message Service).

In addition, after receiving the data transmitted through the payment data transmission unit 630 in the payment data receiving unit 710 shown in FIG. 2, the existence of the same data in the account DB 730 through the account user authentication unit 720. It is determined whether or not the normal use of the data received from the payment data receiving unit 710 by checking, and as a result of the determination, the data received from the payment data receiving unit 710 in the account DB (730) If the mobile terminal number, the receiving mobile terminal number, and password) are the same as the data registered in the account DB 730, the selling mobile terminal 800 for the amount requested by the payment mobile terminal 600 This is done by making a payment to an already registered account.

On the other hand, in the case of making a payment through a virtual account, the data set by the payment data setting unit 620 of the payment mobile terminal 600 is transmitted to the financial transfer server 700 as it is, and receives the financial transfer server ( 300 is performed by opening a virtual account corresponding to each of the received data and temporarily performing a transfer between virtual account transfers.

On the other hand, in the case of making a payment through a credit card, the financial transfer server 700 approves the use of the credit card, performs a card payment as much as the amount of the account transfer using a cash service, a lump sum or an installment service, and then sells. The mobile phone client 800 performs a transfer to an account registered in advance.

The informed information is received and stored in the sales mobile telephone terminal 800 and then displayed (step S260).

Here, the reception of the reported result is made in the payment data receiving unit 810 of the sales mobile phone terminal 800, which is stored in the payment data storage unit 480, using the payment data display unit 830. 6 (b) or 7 (b).

On the other hand, if the payment was performed using a virtual account, the sales mobile phone terminal 800 checks the details of the transfer received to the virtual account (step S270), and then sells the amount corresponding to the details of the sales mobile phone terminal 800. Request the payment to the financial transfer server 300 in the real account owned, and the financial transfer server 700 receiving the payment to perform the transfer of the corresponding amount to the actual account of the pre-registered sales mobile phone terminal 800 It further includes (step S280).

Although a preferred embodiment of the present invention has been described in detail above, those skilled in the art to which the present invention pertains may make various changes without departing from the spirit and scope of the invention as defined in the appended claims. It will be appreciated that modifications or variations may be made. Therefore, changes in the future embodiments of the present invention will not depart from the technology of the present invention.

As described above, according to the present invention, when faced with a situation in which it is difficult to deliver directly due to various circumstances in a situation in which cash is urgently required to be passed to others (eg, various dues, expenses, subsidies, etc.), the other party's bank If you do not know the account number and directly call the other party is difficult to ask, there is an advantage that you can transfer the desired amount using the mobile phone of the side of the remittance to the account associated with the mobile phone number of the other party.

In addition, you can purchase goods at an Internet shopping mall, etc. in place of electronic money, and then pay with a mobile phone.After shopping on the street, you can pay the price of the goods with the account associated with the mobile phone of the person who sold the goods. It is possible to pay the price even if you do not actually hold cash, and there is an advantage that the user can use because it is easier to transfer the account compared to the existing telebanking, mobile banking and internet banking.

On the other hand, the bank side can increase the deposit amount by using as a payment account in the general customer, Internet shopping malls, gas stations, supermarkets, etc., thereby obtaining a fee income.

Claims (14)

A remittance mobile phone terminal for setting information of a remitter for remittance via wireless Internet; A financial transfer server that receives data transmitted from the remittance mobile phone terminal through a wireless internet gateway, authenticates whether the remittance mobile phone terminal normally uses a registered account, and performs remittance; A collection mobile telephone terminal for receiving and storing the remittance data transmitted through the wireless Internet from the financial transfer server; In the transfer method using a mobile phone terminal under a system including a credit card company for notifying the financial transfer server of the result data for the credit card use authorization application transmitted from the financial transfer server, (A) registering, at the remittance mobile phone terminal, the predetermined data to be used for remittance by the remittance mobile phone terminal by accessing the financial transfer server; (B) setting a remittance type and remittance details for performing a remittance by accessing the financial transfer server when a remittance occurs using the remittance mobile phone terminal after the registration; (C) notifying the collection mobile telephone terminal of the result data of performing the transfer to the collection mobile telephone terminal according to the set information in a predetermined method; And And (d) receiving and storing the informed information in the collection mobile terminal and displaying the received information. The method of claim 1, wherein the predetermined data is Real account data held by the remittance mobile phone terminal; And The transfer method using a mobile phone terminal, characterized in that it comprises credit card data held by the remittance mobile phone terminal. In the step (b) of claim 1, wherein the remittance type Transfer method using a mobile phone terminal, characterized in that it comprises at least one of credit card transfer, real account transfer and virtual account transfer. In step (b) of claim 1, the remittance history is A number of the remittance mobile phone terminal; A number of the collection mobile telephone terminal; The amount to be remitted; A password for authenticating the use of the remittance mobile phone terminal; A transaction number for performing the remittance; And Transfer method using a mobile phone terminal characterized in that it comprises a memo for delivering to the collection mobile phone terminal. The method of claim 1, wherein the predetermined method Transfer method using a mobile phone terminal, characterized in that it comprises displaying by using a SMS (Short Message Service). The method of claim 1, And (e) reserving and remitting a date for remittance from the remittance mobile phone terminal to the collection mobile phone terminal after the remittance mobile phone terminal accesses the financial transfer server. Transfer method using a telephone terminal. The method of claim 1, When the transfer is carried out using the virtual account in the remittance mobile phone terminal, the financial transfer that the collection mobile phone terminal receiving the transfer transfers the transferred virtual account details to the actual account owned by the collection mobile phone terminal; Requesting a server further comprises the step (f) of the transfer method using a mobile phone terminal. A payment mobile phone terminal for setting information of a paying party to perform a payment through a wireless Internet for purchasing goods or receiving a service from a specific company; A financial transfer server which receives data transmitted from the payment mobile phone terminal through a wireless internet gateway, authenticates whether the payment mobile phone terminal is normally registered, and performs payment; A selling mobile telephone terminal for receiving and storing payment data transmitted from the financial transfer server through the wireless Internet and displaying the received payment data; In the transfer method using a mobile phone terminal under a system including a credit card company for notifying the financial transfer server of the result data for the credit card use authorization application transmitted from the financial transfer server, (A) accessing the financial transfer server from the payment mobile phone terminal and registering predetermined data to be used for payment by the payment mobile phone terminal; (B) setting a payment type and a payment history for performing a payment by accessing the financial transfer server when the payment occurs using the payment mobile phone terminal after the registration; (C) notifying the sales mobile phone terminal of the result data after the payment is made to the sales mobile phone terminal according to the set information; And And (d) receiving and storing the transmitted information in the sales mobile phone terminal and displaying the received information. The method of claim 8, wherein the predetermined data is Real account data held by the remittance mobile phone terminal; And The transfer method using a mobile phone terminal, characterized in that it comprises credit card data held by the remittance mobile phone terminal. In step (b) of claim 8, wherein the payment type is Transfer method using a mobile phone terminal, characterized in that it comprises at least one of credit card payment, real account payment and virtual account payment. In step (b) of claim 8, wherein the payment details A number of the payment mobile telephone terminal; The number of the selling mobile telephone terminal; The amount to be paid; A password for authenticating use of the payment mobile phone terminal; A transaction number for performing the payment; And Transfer method using a mobile phone terminal characterized in that it comprises a memo for delivering to the selling mobile phone terminal. The method of claim 8, wherein the predetermined method Transfer method using a mobile phone terminal, characterized in that it comprises displaying by using a SMS (Short Message Service). The method of claim 8, And (e) reserving a date for payment in advance from the payment mobile phone terminal to the sales mobile phone terminal after the payment mobile phone terminal accesses the financial transfer server. Transfer method using a telephone terminal. The method of claim 8, When the payment is made using the virtual account in the payment mobile phone terminal, the financial device transfers the received mobile phone terminal to transfer the received virtual account details to the actual account owned by the sales mobile phone terminal. Requesting a server further comprises the step (f) of the transfer method using a mobile phone terminal.