KR20020091862A - System for operating electronic account by using mobile communication terminal and method thereof - Google Patents

Abstract

PURPOSE: A system for managing a cyber account using a mobile communication terminal and a method thereof are provided to perform an electronic commerce and an electronic payment using a mobile communication terminal capable of being connected to the Internet. CONSTITUTION: A mobile communication terminal(20) requests a charge and a payment of a fund between an actual account and a cyber account and a transfer of a fund between different cyber accounts through a wireless communication terminal in accordance with a request of a client. An electronic payment server(40) stores a client cyber account and a merchant cyber account having a charged predetermined fund, and performs a transfer between different cyber accounts. A bank server(50) stores the actual account of the client designated from the mobile communication terminal(20), converts a fund of the actual account into cyber money, transfers the electronic payment server(40), and performs a function for paying the cyber money as a fund of the actual account.

Description

System for operating electronic account by using mobile communication terminal and method

The present invention relates to a cyber account operating system and a method using a mobile communication terminal to perform payment, transfer, withdrawal, etc. of funds in an electronic payment server including a cyber account and a bank server using a mobile communication terminal. will be.

In general, the payment method of the e-commerce payment uses a credit card, electronic money, account transfer, or the like. In the case of credit card payment, payment is made through the certification authority by inputting internet or credit card number and personal identification information. In the case of electronic money, a certain amount is first accumulated and then the payment is made on the Internet. In addition, the account transfer is made by the applicant after the application for purchase of goods on the Internet, the applicant transfers the payment amount from his account to the account of the goods sales company. However, in the case of credit card payment, there is a risk of leakage of personal information, and if the card is lost, there is a risk that payment is made even if another person makes a payment, and in the case of electronic money, there was a user inconvenience.

Since the above payment method is available for payment through wired or internet or where there is a credit card checker, a separate line for connecting the Internet must be installed separately and used only at a designated place. there was. In order to solve this problem, a credit card reader is connected to a mobile communication terminal to implement payment for goods through a wireless network. However, there are many limitations in using a mobile communication terminal in an execution bow.

The present invention has been invented to solve the above problems, an object of the present invention is a cyber account operating system using a mobile communication terminal to perform electronic payment as well as electronic commerce using a mobile communication terminal that is mobile and accessible to the Internet; To provide that method.

The present invention for achieving the above object, the mobile communication terminal for requesting the recharge and withdrawal of funds between the real account and the cyber account, and the transfer of funds between different cyber accounts through a wireless communication network according to the customer's request; An electronic payment server which stores a customer cyber account and a merchant cyber account filled with predetermined funds and transfers funds between different cyber accounts; And storing a real account of the customer designated from the mobile communication terminal, converting the funds of the real account into a cyber money, transferring them to the electronic payment server, and withdrawing the cyber money as the funds of the real account. It characterized in that it is configured to include a bank server.

In addition, the present invention provides a mobile communication terminal for accessing the Internet using a wireless communication network, and registering a cyber account; Charging a predetermined amount of funds from a real account to the cyber account; Transferring funds from a cyber account filled with predetermined funds to another cyber account; Withdrawing funds from the cyber account filled with predetermined funds to the bank real account; And inquiring and changing information related to the cyber account,

The registering step of opening the cyber account may include a-1) requesting to open a cyber account; a-2) in response to the request of step a-1, in the case of a member of an operator providing a web service, inputting a member's ID and a member's password; a-3) comparing the input value of step a-2 with the value stored in the member database of the web server, and if determined to be a member, displaying the actual member name and social security number stored in the member database on the screen of the mobile terminal; step; And a-4) if the member name and resident registration number displayed in step a-3 are identical, determining a password to be used in the cyber account and transmitting the password to the electronic payment server.

The step of charging a predetermined funds from a real account to a cyber account includes: b-1) requesting a bank server to transfer a predetermined funds from the real account of the bank to the cyber account; b-2) at the request of step b-1, the bank server converting the predetermined funds of the real account into the cyber money by applying a predetermined ratio; b-3) transferring the funds converted into the cyber money to an electronic payment server and depositing the funds into the cyber account; And b-4) after performing step b-3, transmitting a message indicating that the deposit is completed to the mobile communication terminal.

The process of transferring predetermined funds from a cyber account filled with predetermined funds to another cyber account includes: c-1) requesting the electronic payment server to transfer the predetermined funds from the cyber account to another cyber account; c-2) according to the request of the step c-1, the electronic payment server withdrawing a predetermined funds from the cyber account requested to withdraw; c-3) depositing the withdrawn funds into the cyber account requested to deposit money in the electronic payment server; And c-4) transmitting the message indicating that the deposit is completed to the mobile communication terminal after performing step c-3.

The process of withdrawing funds from a cyber account filled with predetermined funds to a bank real account includes: d-1) requesting an electronic payment server to transfer a predetermined funds from the cyber account to a real account of a bank; d-2) at the request of step d-1, the electronic settlement server converting the predetermined funds of the cyber account into cash at a predetermined rate; d-3) transferring the funds converted into cash to a bank server, and depositing the funds into the bank real account; And d-4) transmitting the message indicating that the deposit is completed to the mobile communication terminal after performing step d-3.

In addition, the present invention, e-1) when performing a payment for the goods purchased by the mobile terminal, requesting a deposit service to the deposit service server; e-2) in response to the request of step e-1, transmitting the guidance message to the mobile communication terminal to transfer a predetermined deposit to the depository cyber account; e-3) the mobile communication terminal receiving the message of step e-2 transferring a predetermined amount to the depository cyber account; e-4) transmitting, by the depository service server, a message inquiring whether the product has been received by the mobile communication terminal after a predetermined period of time has passed; And e-5) transferring a predetermined amount of money from the mobile communication terminal to the cyber account of the merchant who provided the product when the message indicating that the product was received is sent to the deposit service providing server. E-6) when a message for returning the product or a message indicating that the product has not been received is transmitted from the mobile communication terminal to the deposit service providing server, the member who sent the message in the deposit account cyber account. The method further comprises the step of transferring a predetermined amount to the cyber account.

Therefore, according to the present invention, it is possible to perform electronic commerce and electronic payment anytime and anywhere by overcoming the limitations of time and space.

1 is a block diagram of a cyber account operating system using a wireless network according to the present invention.

2 is a flowchart illustrating a method of receiving a cyber account by using a mobile communication terminal according to the present invention.

3A and 3B illustrate a process of a screen displayed on a display unit of a mobile communication terminal when a cyber account is actually issued according to the present invention.

4 is a flowchart illustrating a deposit service according to the present invention.

5A and 5B illustrate a process of a screen displayed on a display unit of a mobile communication terminal when making a payment using a cyber account according to the present invention.

6A to 6C illustrate a process of a screen displayed on a display unit of a mobile communication terminal when funds move in a cyber account according to the present invention.

7A to 7D illustrate a process of a screen displayed on a display unit of a mobile communication terminal when inquiring a cyber account according to the present invention.

8 illustrates a process of a screen displayed on a display unit of a mobile communication terminal when canceling a payment according to the present invention.

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

10: merchant server 12: product database

14: sales database 20: mobile communication terminal

22: mobile communication base station server

30: web server 32: member database

40: electronic payment server 42: cyber account database

44: depository service providing server

46: Deposited Cyber Account Database

50: bank server

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

1 is a block diagram of an electronic commerce and electronic payment server using a wireless network. The merchant server 10, the mobile communication terminal 20, the web server 30, the member database 32, and the electronic payment server ( 40), the cyber account database 42, the depository service providing server 44, the depository cyber account database 46, and the bank server 50.

The merchant server 10 is configured to include a product database 12, and a customer management database 14 for storing and implementing the information about the product to sell as content. In addition, a cyber account is established in conjunction with the electronic payment server 40 and the bank server 50.

The mobile communication terminal 20 is designed to be connected to the Internet through a wireless communication network. The mobile communication terminal transmits data provided from the web server 30 to the mobile communication base station server 22 and processes the data to be transmitted to the mobile communication terminal.

The web server 30 is connected to the merchant server 10, the electronic payment server 40, and the bank server 50 by wire to transmit and receive data, the mobile communication terminal 20 and the mobile communication base station server 22 It is configured to transmit and receive data wirelessly. In addition, the customer can access the web server 30 through a terminal such as a computer connected to the Internet to transmit and receive data. In addition, the web server 30 stores and manages information of customers registered as members in the member database 32.

The electronic payment server 40 operates in conjunction with the merchant server 10, the web server 30, and the bank server 50, the cyber account of the customers and merchants issued from the bank server 50 cyber account Store and manage in database 42. Through the electronic payment server 40, payment is made during electronic commerce between merchants and customers.

In addition, the electronic payment server 40 is connected to the deposit service providing server 44, if the customer who wants to pay for the goods to use the deposit service provides the deposit service in conjunction with the depository cyber account database 46 do.

The bank server 50 is configured to issue a cyber account in conjunction with the electronic payment server 40, and comprises a real account server for managing a real account corresponding to the cyber account. The bank server 50 also generates and databases financial information suitable for individual subscriber characteristics.

2 is a flowchart illustrating a method for receiving a cyber account by using a mobile communication terminal according to the present invention.

The mobile communication terminal 20 of the customer accesses the web server 30 through a wireless communication network (S10). A request is made to open a cyber account through the mobile communication terminal 20 connected to the web server 30 (S11). The web server 30 having received the request determines whether the customer is a member receiving a service by subscribing to a web service provider in cooperation with the member database 32 (S12). If the customer is a member, a member ID and a member password are input to log in (S15).

However, as a result of the determination in step S11, if the customer is not a member, first, the customer's personal information is entered for membership registration, and is registered as a member of the web service provider (S13, S14). When the customer registered as a member performs step S15, the real name and social security number of the member are shown on the display unit of the mobile communication terminal. If the real name and social security number of the member are the same as the fact, a password to be used in the cyber account is set. When the password is set and the confirmation button is selected, a cyber account is opened (S16).

When the cyber account is opened, the web server receives the cyber account number from an electronic payment server interworking with a bank server, and uses the short message service (SMS) to send the cyber account to the mobile terminal of the customer. The number is transmitted (S17).

3 illustrates the progress of the screen displayed on the display unit of the mobile communication terminal when the cyber account is actually issued according to the present invention.

FIG. 3 illustrates a process of opening a cyber account when the customer is a member who is receiving a service by joining a web service provider.

When the customer presses the Internet connection button (not shown) of the mobile communication terminal, the customer connects to the web server using a wireless network. When connected to the Internet, the first menu screen 100 is provided on the display unit of the mobile communication terminal. A customer who wants to open a cyber account presses a vertical movement button (not shown) of the mobile communication terminal so that the cursor moves to “5. Securities / Finance / Shopping” of the first menu screen. When the cursor is moved to the "5. Securities / Finance / Shopping" by pressing the confirmation button (not shown) of the mobile communication terminal, the next screen is displayed.

In a similar manner, selecting “6. Cyber account service” on the second menu screen 101 shows a third menu screen 102 on which the shopping, reservation, and various services are provided using the cyber account. . When the confirmation button of the mobile communication terminal is selected in the “1. Cyber account issuance” menu among the various menus of the third menu screen 102, the fourth menu screen 103 is provided.

The fourth menu screen 103 is displayed so that the customer can select a menu according to whether the member subscribes to the web service provider or receives a service.

If the customer is a member, the " 1. Itough017 member " menu is selected on the fourth menu screen 103. When the menu is selected, screens 104 and 105 for inputting a member ID and a member password are displayed respectively. In this case, a screen may be displayed by being programmed to simultaneously input a member ID and a member password.

After inputting the member ID and the member password and pressing the confirmation button (not shown), data including the member ID and the member password are transmitted to the web server 30 shown in FIG. The data is then compared with the member's data stored in the member database 32.

After the comparison, if the provided member ID and member password match the stored member ID and member password, the real name and social security number of the member stored in the member database 32 are transmitted to the mobile communication terminal of the customer. If the real name and the social security number of the transmitted member are the same as the facts, select either "Yes" or "No" on which the same screen 106 is displayed. In the same case, an input screen 107 for inputting a password for use in the cyber account is shown.

After inputting the password and selecting "confirmation" shown in the input screen 107 by using a confirmation button (not shown) of the mobile communication terminal, the data is passed through the web server 30 to the cyber account Is sent to the electronic payment server 40 to issue and manage.

When the transmission is completed, the mobile terminal as shown in the guide screen (108) "expanded cyber account number is notified to the subscriber via SMS and can be directly connected to the call back URL (Call Back URL), you can shop / reservation. " Is displayed.

The electronic payment server 40, which has received the member ID, the member password, and the password to be used for the cyber account from the web server 30, stores the information in the cyber account database 42, and opens a cyber account to open the cyber account. The account number of the account is transmitted to the web server 30.

The web server 30 transmits the account number of the cyber account to the mobile communication terminal of the member using SMS. When the "cyber account service URL" is selected at the bottom of the screen of the mobile communication terminal receiving the SMS, the third menu screen 102 is displayed.

If the customer is a non-member, a screen is displayed to select “2. i tough 017 non-member” on the fourth menu screen 103 to input personal information.

4 is a flowchart illustrating a deposit service according to the present invention.

Depository Service (Escrow) is a service that acts as an intermediary protection between the seller and the buyer in the e-commerce transaction. When the buyer's payment is made, the seller asks the seller for delivery, and when the buyer notifies the buyer that the goods have been properly received, he pays the seller. In this case, the purchaser may refuse the purchase and receive a refund if there is a problem or a product different from the contract.

The customer selects the Internet connection button of the mobile communication terminal to connect to the Internet using a wireless communication network (S20). By executing the step S20, the merchandise according to the affiliated store is displayed on the screen of the mobile communication terminal connected to the Internet. Therefore, one or more products to be purchased are selected from among the products displayed on the screen of the mobile communication terminal (S21).

After the product is selected, pressing the confirmation button of the mobile communication terminal, a screen asking whether to pay is displayed (S22).

At this time, if a payment is requested, a screen for inputting a member ID and a member password of an internet service provided by an internet service provider is displayed on the mobile communication terminal (S23). When the member ID and the member password are authenticated as the member, the screen for inputting the member's cyber account number and the password is displayed and the cyber account password is input (S24).

The entered cyber account number and its password are transmitted to the web server 30 shown in FIG. 1 and then to the electronic payment server 40 together with the member information including the member ID and the member password. If the password corresponding to the cyber account number in the electronic payment server 40 matches that stored in the cyber account database 42, the use of the cyber account is approved (S25).

If the password corresponding to the cyber account number does not match, a predetermined opportunity is given again to input the password.

If it is approved to use the cyber account in step S25, a screen displaying a menu including "use of deposit service" appears (S26). When the "use depository service" is selected, the information is input to the depository service providing server 44 and a predetermined deposit is transferred from the cyber account to the depository cyber account (S27).

When the customer who applied for the product has received the desired product, the customer has a procedure for confirming receipt of the product by the provider who provided the product (S28).

The product receipt confirmation procedure may be confirmed by a telephone company directly providing the product to the customer. In another embodiment, the deposit service providing server 44 transmits the SMS short message to the mobile communication terminal of the customer at the request of the operator who provided the product. If the customer who has received the SMS short message receives the goods and it is determined that there is no problem with the goods, select the "receipt of goods" reply provided at the top or bottom of the SMS short message to the depository service providing server 44. To be returned (S29).

The deposit service providing server 44, which has received the reply, cancels the deposit and transfers the deposit from the deposit cyber account to the merchant's cyber account (S30, S31).

On the other hand, if you have not received the goods yet or want to return the received goods, select the "return goods" reply provided at the top or bottom of the SMS short message to be returned to the depository service providing server 44 (S32). ).

The deposit service providing server 44, which has received the reply, terminates the deposit and transfers the deposit from the deposit cyber account to the customer's cyber account (S33, S34).

5A and 5B illustrate a process of a screen displayed on a display unit of a mobile communication terminal when making a payment using a cyber account according to the present invention.

5A illustrates a process of making a payment in a cyber account using a mobile communication terminal when using a deposit service.

When shopping is performed on the mobile communication terminal, a product is selected, and payment is selected, screens for inputting a member ID and a member password are provided on the screen of the mobile communication terminal (200, 210). The member ID and member password may be provided to be inputable within the same screen.

When the member ID and the member password are input and transmitted to the web server 30, the member ID 32 and the member password are compared in the member database 32 connected to the web server 30. If the member ID and member password match the member database 32, a screen 220 related to product orders is provided. If the customer selects payment immediately after selecting a product, the order number and amount of the selected product are displayed on the order number and amount provided on the screen. If you want to pay for other goods, you can move the cursor on the screen of the mobile terminal to the order number or the amount of money.

Set the "cyber account number" and the desired "deposit period" of the customer also provided on the screen 220 related to the product order. Next, select "check payment" is provided a screen 221 to enter the password of the cyber account.

When the password is input to the screen 221 and the "OK" button is selected, the password is transmitted to the electronic payment server 40 through the web server 30. The electronic payment server 40 compares the cyber account number stored in the cyber account database 42 with the corresponding password and the received password to determine whether they match.

However, when the customer selects the "cancel payment" button on the screen 220 related to the product order, a message such as the screen 222 is provided.

FIG. 5B illustrates an SMS short message that the electronic payment server 40 receives the information and transmits to the mobile communication terminal of the customer after selecting the “payment confirmation” on the screen 230.

The screen 230 is a screen for approving the payment, and the screen 240 provides a message that the cyber account of the customer is insufficient to approve due to insufficient funds.

6A-6C illustrate the movement of funds in a cyber account.

FIG. 6A illustrates a process of charging a cyber account from a real account of a bank during money movement in a cyber account.

When the mobile communication terminal is connected to the web server through a wireless communication network, the first menu screen 300 is provided. When the "fund transfer" is selected on the first menu screen 300, the funds movement path menu screen 301 is displayed. In order to fund the cyber account, the phrase " from real account to cyber account " is selected.

When the phrase "from real account to cyber account" is selected, a member ID and member password input screen 302 for checking whether a member is displayed is displayed, and the inputted member ID and member password are transmitted through a web server through a wireless communication network. Is sent to. The web server compares the member ID and member password stored in the member database with the transmitted member information to determine whether they match, and if so, displays the next screen 303.

In the screen 303, the bank of the real account is selected. If one bank is selected from among several banks, a screen 304 is provided for requesting to input the account number of the real account traded by the bank and the password of the real account. If the account number and password of the real account are sent to the bank server 50 to determine whether the account number and password of the real account match, and then match, the next screen 305 is provided.

The screen 305 is displayed to input the amount to be charged with the phrase, "You can charge the customer's cyber account within the limit of _______ million won." After inputting an amount to be charged on the screen 305 and selecting "confirm" shown on the screen 305, a screen 306 for inputting an account number of the cyber account is shown. Therefore, the last time you enter the account number of the cyber account is completed charging.

6B illustrates a process of charging a cyber account from a cyber account of a bank during the movement of funds in the cyber account.

When the mobile communication terminal is connected to the web server through a wireless communication network, a first menu screen 310 is provided. When the "fund transfer" is selected on the first menu screen 300, the funds movement path menu screen 311 is displayed. In order to transfer funds to the cyber account, the phrase " cyber account to cyber account " is selected.

When the phrase "from cyber account to cyber account" is selected, a member ID and member password input screen 312 for checking whether a member is displayed is displayed, and the inputted member ID and member password are transmitted through a web server through a wireless communication network. Is sent to. The web server compares the member ID and member password stored in the member database with the transmitted member information to determine whether they match, and if so, displays the next screen 313.

The screen 313 is displayed to input the account number of the cyber account withdrawn and to enter a password corresponding to the cyber account. The input cyber account number and its password are transmitted to a mobile communication base station server connected to a wireless communication network, and the mobile communication base station server transmits to a web server. The web server transmits the data to the electronic payment server 40 using a wired communication network, and the electronic payment server 40 determines whether the information matches the information stored in the cyber account database 42. As a result of the determination, if the transmitted cyber account number and the password and the stored information match, the screen 314 is provided.

The screen 314 is displayed to input the amount to be transferred with the phrase, "It is possible to transfer to the customer's cyber account within the limit of _______ million won." After inputting the amount to be transferred to the screen 314, and selecting "confirmation" shown in the screen 314 is shown a screen 315 for entering the account number of the cyber account to be transferred. Therefore, the last time you enter the account number of the cyber account transfer is complete.

6c illustrates a process of withdrawing funds from a cyber account of a bank to a real account during the movement of funds in the cyber account.

When the mobile terminal is connected to the web server through a wireless communication network, the first menu screen 320 is provided. When the "fund transfer" is selected on the first menu screen 320, the money movement path menu screen 321 is displayed. In order to withdraw funds from the cyber account, a phrase written as "cyber account to real account" is selected.

When the phrase "from cyber account to real account" is selected, a member ID and member password input screen 322 for checking whether a member is displayed is displayed, and the inputted member ID and member password are displayed on a web server through a wireless communication network. Is sent to. The web server compares the member ID and member password stored in the member database with the transmitted member information to determine whether they match, and if so, displays the next screen 323.

The screen 323 is displayed to input the "account number of the cyber account to withdraw" and "password of the cyber account to withdraw". When the cyber account number and its password are input, it is determined whether the information about the cyber account and the password is input to the electronic payment server and match the information stored in the cyber account database. As a result of the determination, if it matches, the screen 324 is displayed.

The screen 324 is displayed to input the amount to be withdrawn, with the phrase, "withdrawal is possible within the limit of _______ million won in the customer's cyber account." After inputting the amount of money to be withdrawn on the screen 324, and selecting the "confirmation" shown in the screen 324, a screen 325 for entering the account number of the cyber account is shown.

In the screen 325, the bank of the real account is selected. If one of the banks is selected, a screen 326 is provided for requesting the input of the account number of the real account with which the bank is trading. When the account number of the deposited real account is input and transmitted to the bank server, a predetermined amount of money is withdrawn from the cyber account to the real account.

7A to 7D illustrate a process of a screen displayed on a display unit of a mobile communication terminal when inquiring a cyber account according to the present invention.

7A illustrates a process of inquiring a balance of a cyber account.

When "Cyber Account Inquiry" is selected on the first menu screen 400 and "By Account Inquiry" on the second menu screen 401, a screen 402 for inputting a member ID and a member password is displayed. .

If the member ID and member password are the same as those stored in the member database of the web server, a screen 403 displayed for entering the member's cyber account account number and the password is provided.

When the account number and password of the member's cyber account are input to the screen 403, the information on the cyber account such as the cyber account ID, the cyber account number, the balance, and the exchangeable amount is displayed as the screen 404.

7B illustrates a process of searching and changing a password of a cyber account.

If "Cyber Account Inquiry" is selected on the first menu screen 410 and "Password Search / Change of Cyber Account" on the second menu screen 411, a screen 412 for inputting a member ID and a member password is displayed. Is displayed.

If the member ID and member password are the same as those stored in the member database of the web server, a screen 413 displayed for entering the member's social security number or cyber account number is provided.

When the resident registration number or cyber account number is entered into the screen 413, the resident registration number or cyber account number is transmitted to the electronic settlement server together with the entered member ID and member password to check whether the information matches the information stored in the cyber account database. do.

If the social security number or cyber account number matches the information stored in the cyber account database, the next selection screen 414 is provided.

Selecting "Cyber account password inquiry" from the selection menu of the selection screen 414, a screen 415 in which the cyber account password of the member is provided is displayed, and at the bottom of the screen 415, the password of the cyber account is changed. The phrase asking whether or not is displayed.

If the user wants to change the password of the cyber account and selects “Yes” located at the bottom of the screen 415, a screen 416 for inputting a password to be changed is displayed. The screen 417 including the phrase is displayed.

7c illustrates a process of changing member information of the cyber account.

When selecting "Cyber account inquiry" on the first menu screen 420 and "Change member information" on the second menu screen 421, a screen 422 for inputting a member ID and a member password is displayed.

If the member ID and member password are the same as those stored in the member database of the web server, a screen 423 is displayed for entering the member's cyber account account number and the password.

The member's address, mobile phone number, e-mail, cyber account ID and default real account bank, etc. may be re-entered, except for a few lists including “real account name” among the lists provided on the screen 423.

7d illustrates an inquiry process of a member's transaction history.

When selecting "Cyber account inquiry" on the first menu screen 430 and selecting "Change member information" on the second menu screen 431, a screen 432 for inputting a member ID and a member password is displayed.

If the member ID and member password are the same as those stored in the member database of the web server, a screen 433 including "full details", "date details", "mileage", and the like is displayed, and the member may select a desired menu.

8 illustrates a process of a screen displayed on a display unit of a mobile communication terminal when canceling a payment according to the present invention.

When selecting "Shopping" on the first menu screen 500 and selecting "Shopping history inquiry" on the second menu screen 501, a screen 502 for inputting a member ID and a member password is provided.

If the member ID and member password are the same as those stored in the member database of the web server, a screen 503 including "full details", "details by date" and the like is displayed, and the member may select a desired menu.

If the "full details" of the screen 503 is selected, a screen 504 in which the full details are displayed is provided to enable the member to view.

Embodiment of the present invention is only one embodiment, of course, many modifications and variations of the components of the present invention without departing from the gist of the present invention, of course, the present invention is not limited to the embodiment. .

As described in detail above, according to the cyber account operating system and method using the mobile communication terminal of the present invention, the account using the cyber account linked to the real account of the bank without regard to time and place as the mobile communication terminal It is possible to transfer funds between funds, and at the same time, it is possible to refund the balance.

Claims (13)

A mobile communication terminal requiring recharging and withdrawal of funds between a real account and a cyber account and a transfer of funds between different cyber accounts according to a customer's request; An electronic payment server which stores a customer cyber account and a merchant cyber account filled with predetermined funds and transfers funds between different cyber accounts; And Storing the real account of the customer designated from the mobile communication terminal, converting the funds of the real account into cyber money, transferring them to the electronic payment server, and withdrawing the cyber money as the funds of the real account; Cyber account operating system using a mobile communication terminal, characterized in that comprising a bank server. A registration step of opening a cyber account after accessing the Internet using a wireless communication network as a mobile communication terminal; Charging a predetermined amount of funds from a real account to the cyber account; Transferring funds from a cyber account filled with predetermined funds to another cyber account; Withdrawing funds from the cyber account filled with predetermined funds to the bank real account; And Inquiry and change the information related to the cyber account Cyber account operating method using a mobile communication terminal, characterized in that it comprises. The method of claim 2, wherein the registering step of opening the cyber account comprises: a-1) requesting to open a cyber account; a-2) inputting a member's ID and a member's password in the screen provided according to the request of step a-1, in the case of a member of an operator providing a web service; a-3) When the input value of the step a-2 is compared with the value stored in the member database of the web server and judged to be a member, the actual member name and social security number stored in the member database are displayed on the screen of the mobile communication terminal. Making; And a-4) if the member name and resident registration number displayed in step a-3 match, setting a password to be used in the cyber account and transmitting to the electronic payment server, the cyber account operating method using a mobile communication terminal. The method of claim 2, wherein the step of charging the funds from the real account to the cyber account, b-1) requesting the bank server to transfer a predetermined funds from the real account of the bank to the cyber account; b-2) at the request of step b-1, the bank server converting the predetermined funds of the real account into the cyber money by applying a predetermined ratio; b-3) transferring the funds converted into the cyber money to an electronic payment server and depositing the funds into the cyber account; And b-4) after performing step b-3, transmitting a message indicating that the deposit is completed to the mobile communication terminal, the cyber account operating method using a mobile communication terminal, characterized in that the. The method of claim 2, wherein the transfer of a predetermined amount of funds from a predetermined cyber account to another cyber account, c-1) requesting the electronic payment server to transfer the predetermined funds from the cyber account to another cyber account; c-2) according to the request of the step c-1, the electronic payment server withdrawing a predetermined funds from the cyber account requested to withdraw; c-3) depositing the withdrawn funds into the cyber account requested to deposit money in the electronic payment server; And c-4) after performing step c-3, transmitting a message indicating that the deposit is completed to the mobile communication terminal. The process of claim 2, wherein the withdrawal of funds from the cyber account filled with the predetermined funds to the bank real account, d-1) requesting the electronic settlement server to transfer a predetermined funds from the cyber account to the real account of the bank; d-2) at the request of step d-1, the electronic settlement server converting the predetermined funds of the cyber account into cash at a predetermined rate; d-3) transferring the funds converted into cash to a bank server, and depositing the funds into the bank real account; And d-4) after performing step d-3, transmitting a message indicating that the deposit is completed to the mobile communication terminal, the cyber account operating method using a mobile communication terminal, characterized in that the. e-1) requesting a deposit service to a deposit service server when performing payment for goods purchased through a mobile communication terminal; e-2) in response to the request of step e-1, transmitting the guidance message to the mobile communication terminal to transfer a predetermined deposit to the depository cyber account; e-3) the mobile communication terminal receiving the message of step e-2 transferring a predetermined amount to the depository cyber account; e-4) transmitting, by the depository service server, a message inquiring whether the product has been received by the mobile communication terminal after a predetermined period of time has passed; And e-5) when a message indicating that the goods have been received from the mobile communication terminal is transmitted to the deposit service providing server, transferring a predetermined amount from the deposit cyber cyber account to the cyber account of the merchant providing the goods. Cyber account operation method using a mobile communication terminal. The method according to claim 7, wherein if the message to return the goods from the mobile communication terminal or a message indicating that the goods have not been received is transmitted to the deposit service providing server, the message is sent from the cyber account for the deposit. A method of operating a cyber account using a mobile communication terminal, further comprising the step of transferring a predetermined amount of money to a member's cyber account. f-1) requesting to check the balance of the cyber account after accessing the Internet using a wireless communication network as a mobile communication terminal; f-2) inputting a member's ID and a member's password in the screen provided according to the request of step f-1, in the case of a member of an operator providing a web service; And f-3) A screen for inputting the cyber account number of the member and the password corresponding to the cyber account number if it is determined that the member is a result of comparing the input value of step f-2 with the input value stored in the member database of the web server. Cyber account operating method using a mobile communication terminal comprising the step of displaying. g-1) accessing the Internet using a wireless communication network as a mobile communication terminal and requesting a password inquiry and change of a cyber account; g-2) inputting a member's ID and a member's password in the case of a member of an operator providing a web service on a screen provided according to the request of step g-1; g-3) If the result of comparing the input value of step g-2 with the input value stored in the member database of the web server is determined to be a member, a screen for selectively inputting one of the member's cyber account number and the member's social security number Displaying; g-4) transmit one of the member's cyber account number and resident registration number selectively inputted on the screen of step g-3 to the electronic settlement server that manages the cyber account to match the information stored in the electronic settlement server; Determining whether or not to display the determination result on a screen; And g-5) If the information transmitted to the electronic payment server and the stored information match according to the determination result of step g-4, one of the password inquiry of the cyber account and the password change of the cyber account may be selected. Cyber account operating method using a mobile communication terminal comprising the step of displaying a menu screen. h-1) requesting a member information change if the mobile communication terminal is a member of an operator providing a web service after accessing the Internet using a wireless communication network; h-2) inputting the ID of the member and the password of the member on a screen provided according to the request of step h-1; And h-3) comparing the input value of step h-2 with the input value stored in the member database of the web server, and if it is determined that the member is a member, displaying the information including the real name and the address of the member so as to be changed. Cyber account operating method using a mobile communication terminal, characterized in that. i-1) accessing the Internet using a wireless communication network as a mobile communication terminal and requesting a transaction history inquiry; i-2) inputting a member's ID and a member's password in the case of a member of an operator providing a web service on a screen provided according to the request of step i-1; And i-3) comparing the input value of step i-2 with the input value stored in the member database of the web server, and if it is determined that the member is a member, displaying a menu screen for querying the transaction details of the member; Cyber account operating method using a mobile communication terminal, characterized in that. j-1) requesting shopping history inquiry to cancel an order after accessing the Internet using a wireless communication network as a mobile communication terminal; j-2) in the case of a member of an operator providing a web service on a screen provided according to the request of step j-1, inputting a member ID and a member password; And j-3) When the input value of step j-2 is compared with the input value stored in the member database of the web server and determined to be a member, the shopping details of the member can be displayed to select one of the shopping details to be canceled. A cyber account operating method using a mobile communication terminal comprising the step of displaying a screen.