KR20020080527A - Method for depositing through the phone terminal - Google Patents

Abstract

PURPOSE: A transferring method using a telephone terminal is provided to transfer money from a remittance side to a collection side, and to pay money to a selling side in accordance with an automatic response system being supplied in a financial transferring server by connecting a telephone number to a financial account of the remittance side and the collection side or the paying side and the selling side. CONSTITUTION: A remittance telephone terminal is connected to a financial transferring server(S110). The terminal registers data to be used in a remittance in accordance with a predetermined service being supplied in the sever(S120). In the case that a remittance is necessary using the terminal(S130), a kind and details of the remittance are set for performing a remittance(S140,S150). Transferring result data are informed in the remittance telephone terminal(S160). The remittance telephone terminal receives and stores the informed information, and displays or outputs the information(S170).

Description

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

The present invention relates to a transfer method, and more particularly, an automatic answering system (ARS) provided by a financial transfer server after connecting a number and a financial account between a remitting party and a remitting party or a payment terminal and a selling party's telephone terminal, respectively. According to the Automatic Response System, the present invention relates to a transfer method using a telephone terminal for performing a transfer from a remitter side to a collection side or a payment side from a settlement side to a sales side.

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 though it was inconvenient to purchase the Internet electronic money first, and to send a wedding congratulatory money to a friend, such as when you do not know the other party's account number, the settlement of cash or There was a disadvantage that transfer is impossible.

Therefore, the present invention was devised to solve such a problem, and an object of the present invention is to connect a number between a remittance side and a collection side or a telephone number and a financial account of a payment side and a sales side, and then a financial transfer server. In accordance with the Automatic Response Service (ARS) provided by the present invention, a transfer method using a telephone terminal for performing a transfer from a remitter side to a collection side or a payment side from a payment side to a sale side is provided.

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

2 is a configuration diagram showing a second embodiment of a transfer system using a telephone terminal according to the present invention;

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

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

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

6 is an exemplary view of performing a second embodiment using a transfer system using a telephone terminal according to the present invention.

<Description of Symbols of Major Parts of Drawings>

100: public network (PSTN) 110: wireless Internet

120: wired Internet 200: remittance telephone terminal

210: dialing unit 220: remittance data setting 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 DB370: ARS

400: collection telephone terminal 410: collection data receiver

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

440: collection data output unit 500, 550: wireless Internet gateway

600: Credit card company 700: Payment telephone terminal

710: dialing unit 720: payment data setting unit

800: sales telephone terminal 810: payment data receiving unit

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

840: collection data output unit 900: financial transfer server

910: payment data receiving unit 920: account user authentication unit

930: account DB940: payment data approval unit

950: payment data notification unit 960: credit card DB

970: ARS part

According to a first aspect of the present invention, there is provided a transfer method using a telephone terminal, comprising: a remittance telephone terminal for setting information of a remitter to perform remittance through a public line network; A financial transfer server which receives data transmitted from the remittance telephone terminal through the public line network, authenticates whether the account registered by the remittance telephone terminal is normally used, and performs remittance; A collection telephone terminal for receiving and storing the remittance data transmitted from the financial transfer server through a public line network or the wireless Internet, and displaying or outputting the remittance data; And a credit card company for notifying the financial transfer server of the result data of the credit card use authorization application transmitted from the financial transfer server, the transfer method using a telephone terminal, wherein the financial transfer is performed at the remittance telephone terminal. Dialing and connecting to a server (a); (B) registering, after the connection, predetermined data to be used by the remittance telephone terminal for remittance according to a predetermined service provided by the financial transfer server; (C) setting a remittance type and remittance details for performing a remittance according to the predetermined service when a remittance occurs using the remittance telephone terminal after the registration; (D) notifying the collection telephone terminal of the result data of performing the transfer to the collection telephone terminal according to the set information; And (e) receiving and storing the informed information at the collection telephone terminal and then displaying or outputting the information.

In accordance with a second embodiment of the present invention for achieving the above objects, the present invention provides a method for transferring money using a telephone terminal, in which a user purchases goods from a specific company or pays for receiving a service through a public network. A payment telephone terminal to be set up; A financial transfer server that receives data transmitted from the payment telephone terminal, authenticates whether or not the account registered by the payment telephone terminal is normally used, and performs payment; A sales telephone terminal for receiving and storing payment data transmitted from the financial transfer server through a public line network or a wireless Internet; And a credit card company for notifying the financial transfer server of the result data of the credit card use authorization application transmitted from the financial transfer server, the method of using a telephone terminal, wherein the financial transfer from the payment telephone terminal is performed. Dialing and connecting to a server (a); (B) registering, after the connection, predetermined data to be used for payment by the payment telephone terminal according to a predetermined service provided by the financial transfer server; (C) setting a payment type and a payment history for performing a payment according to the predetermined service, when a payment occurs using the payment telephone terminal after the registration; (D) notifying the payment telephone terminal of the result data of the payment telephone terminal according to the set information in a predetermined method; And (e) receiving and storing the informed information in the payment telephone terminal and displaying or outputting 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, FIG. 1 is a block diagram showing a transfer system using a telephone terminal according to the present invention.

As shown, the remittance telephone terminal 200 dials using the dialing unit 210 to perform the transfer to the collection telephone terminal 400, and then to the financial transfer server 300 through the public circuit network (100) Connect.

Thereafter, according to the ARS (Automatic Response System) service provided by the financial transfer server 900, the transfer method (for example, real account, virtual account, credit card), the side of the transfer using the transfer data setting unit 620 Set the phone number, the phone number of the party to collect money, the amount you want to transfer, the account number used to perform the account transfer, the credit card number and the transaction number, and set up a simple memo data about the money to be transferred.

The financial transfer server 300 is configured through the remittance data setting unit 220 and receives the remittance data transmitted through the public circuit network 100 through the remittance data receiving unit 310, and then stores the actual account and the virtual account data. The account DB 330 and the credit card data to be stored in the credit card DB 360 to store the data, the money transfer terminal 200 and the collection telephone terminal 400 whether the normal use of the registered account account user authentication unit ( 320 is authenticated using the remittance data approval unit 340 for the authenticated user, and the resultant data is transferred to the public line network 100 or the wireless Internet using the remittance data notification unit 350. Transmit to the collection telephone terminal 400 through the (110).

The collection telephone terminal 400 receives the data transmitted through the public line network 100 or the wireless Internet 110 through the collection data receiving unit 410 using the transfer data notification unit 350, and then the collection data storage unit. In operation 420, the received information is displayed using the collection data display unit 430, or is output using the collection data output unit 440.

The credit card company 600 notifies the financial transfer server 300 of the result data for the credit card use authorization application transmitted from the financial transfer server 300 to determine whether the credit card owned by the remittance telephone terminal 200 is normally used. Tells.

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

As shown, the payment telephone terminal 600 dials using the dialing unit 710 to purchase goods from a specific company (eg, an internet shopping mall, a gas station, etc.) or to perform payment for receiving a service. It connects to the financial transfer server 900 through the public circuit network (100).

Thereafter, according to the ARS (Automatic Response System) service provided by the financial transfer server 900, the payment method (eg, real account, virtual account, credit card), the payment side using the payment data setting unit 620 Set the phone number, the phone number of the receiving party, the amount to be settled, the transaction number to settle, and a simple memo data about the settled amount.

The financial transfer server 700 receives the payment data set through the payment data setting unit 720 and transmitted through the public line network 100 through the payment data receiving unit 910, and then stores the actual account and the virtual account data. The account DB 930 and credit card data are stored in the credit card DB 960 storing credit card data. The account user authentication unit 920 verifies whether the payment phone terminal and the sales phone terminal normally use the registered account. And, the payment is made through the payment data approval unit 940 for the authenticated user, and the result data is sold through the public line network 100 or the wireless Internet 110 using the payment data notification unit 950. Send to the phone terminal 800.

The sales telephone terminal 800 receives the data transmitted through the public line network 100 or the wireless Internet 110 through the payment data receiver 810 using the payment data notification unit 950, and then the payment data storage unit. In operation 820, the received information may be displayed using the payment data display unit 830 or output using the payment data output unit 840.

The credit card company 1000 notifies the financial transfer server 900 of the result data for the credit card use authorization application transmitted from the financial transfer server 900, thereby determining whether the credit card owned by the payment telephone terminal 700 is normally used. Tells.

Hereinafter, a transfer method using a telephone terminal of the present invention for achieving the above objects will be described in detail with reference to FIGS. 1 to 6.

First, the transfer method using the telephone terminal in the transaction between individuals is as follows.

The money transfer telephone terminal 200 dials and accesses the financial transfer server 300 (step S110).

Here, the connection is made by dialing the unique telephone number of the bank transfer server 300 through the public line network 100 using the dialing unit 210 of the remittance telephone terminal 200, as shown in FIG. .

After the connection, the remittance telephone terminal 200 registers predetermined data to be used for remittance according to a predetermined service provided by the financial transfer server 300 (step S120).

Here, the predetermined data includes actual account data held by the remittance telephone terminal 200 and credit card data, and the predetermined service is provided by an automatic response system (ARS) provided by the financial transfer server 300. Automatic Response System).

For example, when the remittance telephone terminal 200 is connected to the financial transfer server 300, the ARS unit 370 of the financial transfer server 300, "Enter the actual account number to be used for account transfer.", Provide a message such as "Please enter the credit card data to be used for account transfer" to the remittance phone terminal 200, the remittance phone terminal 200 generates a DTMF signal using the remittance data setting unit 220 Is to register the data.

In addition, the data generated by generating the DTMF signal is stored in a database in the account user authentication unit 320 account DB 330 and credit card DB 360.

After the registration, if a case of remittance using the remittance telephone terminal 200 occurs (step S130), according to the ARS (Automatic Response System) service, set the remittance type and remittance details for performing the remittance (Step S140, S150).

Here, the type of remittance refers to 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 telephone terminal 200, the number of the collection telephone terminal 400, the remittance Amount, a password for authenticating the use of the remittance telephone terminal 200, a transaction number for performing the remittance, and a memo for transferring to the collection telephone terminal 400.

The setting of the remittance type and the remittance details is based on the ARS (Automatic Response System) service provided by the ARS unit 370 of the financial transfer server 300, and the DTMF (Dual Tone Multi Frequency) in the remittance telephone terminal 200. Generate it and set it.

For example, the setting of the remittance type in the ARS unit 370 of the financial transfer server 300 "Please select the remittance type, credit card remittance number 1, real account remittance number 2, virtual account remittance number 3 In accordance with the message, such as, it is possible by generating a DTMF using the remittance data setting unit 220 of the remittance telephone terminal 200, the setting of the remittance details also follows the same method as the setting of the remittance type.

In addition, when a transfer occurs using the remittance telephone terminal 200 (step S130), according to a message provided by the ARS unit 370 (for example, "Please enter a user number and password"), remittance The DTMF signal set by the data setting unit 220 is determined by the account user authentication unit 320 to authenticate the user.

On the other hand, when the money transfer using the real account using the remittance telephone terminal 200, for example, when the user of the remittance telephone terminal 200 transfers the money for the user's wedding of the collection telephone terminal 400, the bank Even if you do not know the account number, enter only the phone number of the collection telephone terminal 400 according to the voice message provided by the ARS unit 370 of the financial transfer server 300, and set the transfer amount to execute the transfer by bank transfer It is possible to perform the same function as performing a wire transfer with the number. In addition to the transfer of the celebratory money described above, it is also possible to transfer money in the same manner when lending cash or acquiring the loan between friends.

On the other hand, when remitting using a credit card, remittance data of the remittance telephone terminal 200 is set according to a voice message provided by the ARS unit 370 of the financial transfer server 300 whether to use a cash service and a lump sum or an installment service. After generating the DTMF signal in the unit 220, it is transmitted to the financial transfer server 300.

The financial transfer server 300 receives the credit card information from the credit card DB 360 and checks whether the credit card company 600 is authorized through the wired Internet 120. The server 300 is notified.

At this time, the user information (for example, wired / wireless telephone or mobile telephone terminal number, transaction account number) regarding the user of the collection telephone terminal 400 must be registered in the account DB 330 of the financial transfer server 300 in advance. Should be.

In addition, the remittance telephone terminal 400 by reserving the date to be remitted from the remittance telephone terminal 200 using the remittance data setting unit 220 according to the voice message provided from the ARS unit 370 of the financial transfer server 300. It is also possible to send money by reservation.

According to the set information, the result of the transfer to the collection telephone terminal 400 is notified to the collection telephone terminal 400 in a predetermined method (step S160).

Here, the notification is transmitted to the collection telephone terminal 400 through the remittance data notification unit 350. The predetermined method uses the wireless Internet 110 network when the collection telephone terminal 400 is a mobile telephone terminal. There are two methods of displaying a text message using a short message service (SMS) transmitted through the SMS, or outputting a voice message transmitted through the public line network 100 when the collection telephone terminal 400 is a wired or wireless telephone. .

The collected information is received and stored in the collection telephone terminal 400, and then displayed or output (step S170).

Here, the information is received through the collection data receiving unit 410 of the collection telephone terminal 400, stored in the collection data storage unit 420, as shown in Figure 5, collection data display unit 430 is displayed, or through the collection data output unit 440, "Hong Gil-dong paid 50,000 won in cash. The sent memo is that it is output as a voice message," Happy congratulations on marriage. " .

On the other hand, when the transfer is performed using a virtual account among the types (step S180), the collection telephone terminal 400 checks the details of the transfer received to the virtual account, and collects the amount corresponding to the details of the collection telephone terminal 400 Request the financial transfer server 300 to transfer to the actual account owned, the financial transfer server 300 receives the step of performing the transfer of the corresponding amount to the actual account of the pre-registered collection telephone terminal 400 It further includes (step S190).

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

The payment telephone terminal 700 dials and accesses the financial transfer server 900 (step S210).

Here, the connection is made by dialing the unique telephone number of the bank transfer server 900 through the public line network 100 using the dialing unit 710 of the payment telephone terminal 700, as shown in FIG. .

After the connection, the payment telephone terminal 700 registers predetermined data to be used for payment according to a predetermined service provided by the financial transfer server 900 (step S220).

Here, the predetermined data includes actual account data held by the payment telephone terminal 700 and credit card data, and the predetermined service is provided by an automatic answering system (ARS) provided by the financial transfer server 900. Automatic Response System).

For example, when the payment telephone terminal 700 is connected to the financial transfer server 900, the ARS unit 970 of the financial transfer server 900, "Enter the actual account number to be used for payment.", " Please enter a message such as "Please enter the credit card data to be used for payment" to the payment telephone terminal 700, the payment telephone terminal 700 generates a DTMF signal using the payment data setting unit 720, the corresponding data Is to register.

In addition, the data generated by generating the DTMF signal is stored in a database in the account user authentication unit 920 account DB 930 and credit card DB 960.

After the registration, when a case of making a payment using the payment telephone terminal 700 occurs (step S230), according to the predetermined service, the payment type and payment details for performing the payment are set (steps S240 and S250). ).

Here, the payment type refers to at least one of a credit card payment, a real account payment and a virtual account payment, the payment details are the number of the payment telephone terminal 700, the number of the sales telephone terminal 800, to pay Amount, a password for authenticating the use of the payment telephone terminal 700, a transaction number for performing the payment and a memo for delivery to the sales telephone terminal 800.

The setting of the payment type and the payment details is based on the ARS (Automatic Response System) service provided by the ARS unit 970 of the financial transfer server 900, and the DTMF (Dual Tone Multi Frequency) in the payment telephone terminal 700. Generate it and set it.

For example, the setting of the payment type in the ARS unit 970 of the financial transfer server 900, "Please select the payment type, credit card payment number 1, actual account payment number 2, virtual account payment number 3 According to a message such as "," can be generated by generating a DTMF using the payment data setting unit 720 of the payment telephone terminal 700, and the setting of the payment details follow the same method as the setting of the payment type.

In addition, when a transfer occurs using the payment telephone terminal 700 (step S230), according to a message provided by the ARS unit 970 (eg, "Please enter a user number and password"), The account user authentication unit 920 determines the DTMF signal set by the data setting unit 720 to authenticate the user.

On the other hand, when using the payment phone terminal 700 to make payments using a real account, for example, a case in which a payment is made after purchasing a walkman in a specific shopping mall equipped with a sales phone terminal 800, Even if the user of the telephone terminal 700 does not know the bank account number of the sales telephone terminal 800, only the telephone number of the sales telephone terminal 800 is included in the voice message provided by the ARS unit 970 of the financial transfer server 900. After entering, you can set the payment amount and perform the same function as payment by bank account number ??

On the other hand, when paying with a credit card, the payment data setting unit 720 of the payment telephone terminal 700 according to the voice message provided by the ARS unit 970 of the financial transfer server 900 to use a lump sum payment or an installment service. After the DTMF signal is generated, it is transmitted to the financial transfer server 900.

The financial transfer server 900 receives the credit card information from the credit card DB 960 and checks whether the credit card company 600 has approved the credit card through the wired Internet 120. The server 900 is notified.

At this time, the user information (for example, wired / wireless telephone or mobile telephone terminal number and transaction account number) regarding the user of the sales telephone terminal 800 must be pre-registered in the account DB 930 of the financial transfer server 900. Should be.

In addition, the sales telephone terminal 800 by making a reservation using the payment data setting unit 720 according to a voice message provided from the ARS unit 970 of the financial transfer server 900 to settle the payment in the payment telephone terminal 700. It is also possible to send money by reservation.

According to the set information, the result of the payment to the sales telephone terminal 800 is notified to the payment telephone terminal 700 in a predetermined method (step S260).

Here, the notification is transmitted to the sales telephone terminal 800 through the payment data notification unit 950. The predetermined method uses the wireless Internet 110 network when the sales telephone terminal 800 is a mobile telephone terminal. There are two methods of displaying a text message using a short message service (SMS) transmitted through the SMS, or outputting a voice message transmitted through the public line network 100 when the sales telephone terminal 800 is a wired or wireless telephone. .

The notification information is received and stored in the payment telephone terminal 700, and then displayed or output (step S270).

Here, the reception of the informed information is made through the payment data receiver 810 of the sales telephone terminal 800, and stored in the payment data storage 820, and then, as shown in FIG. 6, the payment data display unit. 830, or a voice message such as "The payment amount 200,000 won has been deposited from payment number 02-9936-4058 through the payment data output unit 840." The memo sent is "Walkman purchase price." Will be output as

On the other hand, if the payment is performed using a virtual account among the types (step S280), the sales telephone terminal 800 checks the details of the transfer to the virtual account, and then the amount corresponding to the details of the sales telephone terminal 800 Request the financial transfer server 900 to transfer to the actual account owned by the financial transfer server 900, the financial transfer server 900 receives the payment to the actual account of the pre-registered sales phone terminal 800 It further includes (step S290).

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 delivery is urgently required (for example, various membership fees, expenses, and subsidies), the other party's bank If you do not know the account number and it is difficult to call the other party to ask directly, there is an advantage that you can transfer the desired amount to the account associated with the number of the telephone terminal possessed by the other party using a wired or wireless telephone terminal.

In addition, it is possible to pay using a will or wireless telephone terminal even after purchasing goods in an internet shopping mall instead of electronic money, so it is possible to pay the price without actually holding cash. Compared to banking and internet banking, the method of transferring money is simpler, which is convenient for the user to use.

Claims (14)

A remittance telephone terminal for setting information of a remitter in order to perform remittance through a public circuit network; A financial transfer server which receives data transmitted from the remittance telephone terminal through the public line network, authenticates whether the account registered by the remittance telephone terminal is normally used, and performs remittance; A collection telephone terminal for receiving and storing the remittance data transmitted from the financial transfer server through a public line network or the wireless Internet, and displaying or outputting the remittance data; In the transfer method using a telephone terminal under a system comprising a credit card company for notifying the financial transfer server of the result data for the credit card use authorization application sent from the financial transfer server, Dialing and accessing the financial transfer server from the remittance telephone terminal; (B) registering, after the connection, predetermined data to be used by the remittance telephone terminal for remittance according to a predetermined service provided by the financial transfer server; (C) setting a remittance type and remittance details for performing a remittance according to the predetermined service when a remittance occurs using the remittance telephone terminal after the registration; (D) notifying the collection telephone terminal of the result data of performing the transfer to the collection telephone terminal according to the set information; And And (e) receiving and storing the informed information at the collection telephone terminal, and displaying or outputting the received information. In the step (b) of claim 1, wherein the predetermined data Actual account data held by the remittance telephone terminal; And And a credit card data held by the remittance telephone terminal. The method of claim 1, wherein the predetermined service is Transfer method using a telephone terminal, characterized in that the automatic response system (ARS) provided by the financial transfer server. In the step (c) of claim 1, the setting of the remittance type and remittance details And generating and setting Dual Tone Multi Frequency (DTMF) in the remittance telephone terminal according to the predetermined service provided by the financial transfer server. The method according to claim 1, wherein said predetermined method When the collection telephone terminal is a mobile telephone terminal, a text message is displayed using a short message service (SMS), or when the collection telephone terminal is a landline telephone or a wireless telephone, the telephone terminal is output as a voice message. Transfer method used. The method of claim 1, After the remittance telephone terminal accesses the financial transfer server, reserving and remitting a date for remittance from the remittance telephone terminal to the collection telephone terminal in advance and using the telephone terminal. Transfer method. The method of claim 1, When the money transfer phone terminal transfers using the virtual account, the financial transfer server requests that the collection phone terminal receiving the money transfer the details of the transferred virtual account to a real account owned by the collection phone terminal. Transfer method using a telephone terminal, characterized in that it further comprises the step (g). A payment telephone terminal for setting information on a payment side for making a purchase through a public network or purchasing goods from a specific company; A financial transfer server that receives data transmitted from the payment telephone terminal, authenticates whether or not the account registered by the payment telephone terminal is normally used, and performs payment; A sales telephone terminal for receiving and storing payment data transmitted from the financial transfer server through a public line network or a wireless Internet; In the transfer method using a telephone terminal under a system comprising a credit card company for notifying the financial transfer server of the result data for the credit card use authorization application sent from the financial transfer server, Dialing and accessing the financial transfer server from the payment telephone terminal; (B) registering, after the connection, predetermined data to be used for payment by the payment telephone terminal according to a predetermined service provided by the financial transfer server; (C) setting a payment type and a payment history for performing a payment according to the predetermined service, when a payment occurs using the payment telephone terminal after the registration; (D) notifying the payment telephone terminal of the result data of the payment telephone terminal according to the set information in a predetermined method; And And (e) receiving and storing the informed information in the payment telephone terminal, and displaying or outputting the received information. In the step (b) of claim 8, wherein the predetermined data is Actual account data held by the payment telephone terminal; And And a credit card data held by the payment telephone terminal. The method of claim 8, wherein the predetermined service is Transfer method using a telephone terminal, characterized in that the automatic response system (ARS) provided by the financial transfer server. In the step (c) of claim 8, the remittance type and the setting of remittance details And generating and setting a dual tone multi frequency (DTMF) in the payment telephone terminal according to the predetermined service provided by the financial transfer server. The method of claim 8, wherein the predetermined method When the sales phone terminal is a mobile phone terminal, a text message is displayed using a short message service (SMS), or when the sales phone terminal is a landline phone or a wireless phone, the phone terminal is output as a voice message. Transfer method used. The method of claim 8, After the payment telephone terminal accesses the financial transfer server, the method further comprises the step (f) of making a reservation for a date for payment from the payment telephone terminal to the sales telephone terminal in advance. Transfer method. The method of claim 8, When the payment telephone terminal uses the virtual account to make a payment, the financial telephone server requests that the sales telephone terminal receiving the payment transfer the details of the virtual account received to the actual account owned by the sales telephone terminal. Transfer method using a telephone terminal, characterized in that it further comprises the step (g).