KR20030052527A - System for servicing financial transaction using electronic money - Google Patents

Abstract

PURPOSE: A system for a financial transaction service using electronic money is provided to set a virtual account to a client who joins to a P2P system and charge electronic money to the virtual account. CONSTITUTION: An account creation unit(212) creates a virtual account corresponded to a wireless terminal identifier of the client(100) connected through a wire/wireless network(150). A user DB stores the wireless terminal identifier, virtual account information, an actual account set in a bank server(300), and electronic money charged in the virtual account. An account managing unit(214) creates transfer information, transmits the created transfer information to the bank server(300) having a client actual account(300/1-300/n), and instructs an account transfer between the actual account and a pre-set account. When the bank server(300) executes an account transfer between the actual account and a pre-set account in accordance with the transfer information, the account managing unit(214) adds or subtracts electronic money stored in the user DB, and charges or exchanges electronic money information.

Description

Financial transaction service system using electronic money {SYSTEM FOR SERVICING FINANCIAL TRANSACTION USING ELECTRONIC MONEY}

The present invention relates to electronic money financial services, and more particularly, to a financial transaction service system using electronic money that can provide financial transaction services such as money transfer, electronic money charging, and transfer between clients using wired / wireless terminals. .

In general, the transfer of funds between real accounts through banks, ATMs, the Internet, and telephones for the transfer of funds between individuals, and recently, the transfer of money between individuals through the use of e-mails has been carried out at home and abroad. It is provided.

Hereinafter, a person-to-person remittance service using such an e-mail will be described in more detail.

First of all, an example of a person-to-person transfer service is to use a recipient's email to transfer money without the recipient's account number, which allows the collector to check the remittance email and access the internet site to transfer the money. As a system for transferring money to an account, the Internet site simply played the role of storing money and transferring it to the recipient.

Another service technology is the use of a virtual account that facilitates payment to a second financial institution and its affiliated bank using a virtual account, which, when a financial transaction request is made, both the second financial institution and the affiliated bank require Validation is required, and the transaction results must be shared between the second financial sector and the bank. Therefore, this method requires a prior agreement between the second financial sector / virtual account management institution (eg, financial transaction relay internet site) and the bank, which has not been utilized in a wider field.

The prior arts had a limitation of being serviced only by on-line, and when using the service, the account number had to be entered as when using an off-line service of a financial institution.

Therefore, the above technologies have a problem in that the user is cumbersome to use, transfer costs are incurred, and space used is limited.

Another service technology is a method of using a virtual account set in a bank having a real account of a client as a financial transaction service means, which requests a financial transaction between a sender and a collector who have a real account in different banks. When this occurs, banks having real accounts of remitters and collectors have to install a virtual account management server to support financial transaction services.

An object of the present invention is to solve the problems of the prior art, to provide a financial transaction service system using an electronic money to set up a virtual account to the client subscribed to the P2P system, charging the electronic money in the set virtual account do.

Another object of the present invention is to provide a financial transaction service such as remittance, recharge, reservation transfer, automatic transfer, etc. between clients by using the electronic money charged in the virtual account of the client subscribed to the P2P system using the wireless terminal identifier of the client To provide a financial transaction service system using electronic money.

According to an embodiment of the present invention for achieving the above object, in a system for providing a financial transaction service between a plurality of clients having a real account, to a wireless terminal identifier of the client connected via a wired or wireless network Account generation unit for generating a corresponding virtual account, the wireless terminal identifier of the client, virtual account information generated by the account generation unit, a real account set in the bank server and the electronic money stored in the virtual account is stored Generate the transfer information according to the user DB, the electronic money charging or exchange request of the client, and transfers the generated transfer information to the bank server having the real account of the client to exchange between the real account and the preset account. Direct the bank transfer, the bank server according to the transfer information If an account transfer between the real account and the predetermined account is executed, the electronic money stored in the user DB is added or subtracted by the amount of the account transfer to include an account management unit for charging or exchanging the electronic money information.

According to another embodiment of the present invention for achieving the above object, in a system for providing a financial transaction service between a plurality of clients having a real account, the clients (remitter and Account generation unit for generating a virtual account corresponding to a wireless terminal identifier of a receiver; a wireless terminal identifier of the clients, virtual account information generated by the account generator, a real account set in a bank server, and the virtual Web and WAP server providing a user DB for storing the electronic money stored in the account, an input window for inputting the amount and money to be remitted according to the electronic money transfer request of the sender, and input in the input window Generate remittance information based on the collected data and notify the recipient, and Searching for a virtual account the sender's and collection within the user DB to be subtracted Sikkim with the transfer amount in the virtual account of the transfer comprises a transfer of a transfer amount by the addition to the virtual account of the collection.

1 is a block diagram showing a financial transaction service system using electronic money according to the present invention.

<Description of the code | symbol about the principal part of drawing>

100: client 150: wired and wireless network

200: P2P system 210: financial transaction server

220: database 300: bank server

There may be a plurality of embodiments of the present invention, and a preferred embodiment will be described in detail below with reference to the accompanying drawings. Those skilled in the art will be able to understand the objects, features, and advantages of the present invention through these embodiments.

1 is a block diagram illustrating a financial transaction service system using electronic money according to the present invention.

As shown, the financial transaction service system includes a plurality of clients (100/1 to 100 / n: 100), wired and wireless networks 150, a P2P system 200, and a plurality of bank servers (300/1 to 300 /). n: 300).

The client 100 owns a wired / wireless terminal that can be provided with a financial transaction service such as a virtual account application and a wire transfer, a wire transfer, etc. by interworking with a communication network such as the wired / wireless network 150 and by using a wired / wireless terminal of the user. • Connect to the P2P system 200 through the wireless network 150, and receive financial transaction services such as virtual account application and money transfer and account transfer provided by the connected P2P system 200.

The wired / wireless terminal owned by the client 100 is a communication means capable of receiving a financial transaction service by interworking with a wireless terminal or the Internet such as a PDA or a cellular phone that receives a wireless Internet service (especially a financial transaction service) in connection with a wireless network. And a computer having a.

Among the wired and wireless networks 150, a wireless network supports WAP (Wireless Application Protocol) for providing wireless Internet service between a wireless terminal of a client 100 and a peer to peer (P2P) system 200, and the wired network includes a client ( The financial transaction service provided by the P2P system 200 is provided to the wired terminal of the client 100 by interworking the wired terminal of the 100 and the P2P system 200.

The bank server 300 has a communication means for interworking with the P2P system 200, and stores the P2P system 200 and a plurality of client real accounts. Various financial transaction services provided by the P2P system 200 are provided. It will be reflected in the real account of the P2P system 200 and the plurality of clients 100.

The P2P system 200 sets up a virtual account corresponding to the wireless terminal identifier of the client 100 according to the virtual account setting of the client 100, and sends the electronic account to the virtual account according to the electronic money charging or exchange request of the client 100. Charge or exchange money and reflect the amount (charge or exchange amount) corresponding to the charged or exchanged electronic money to the real account of the client 100 stored in the bank server 300 connected by a dedicated line to the corresponding amount Transfer to a real account owned by the P2P system 200 or from a real account owned by the P2P system 200 to a real account of the client 100. The electronic money charged in the virtual accounts of the clients 100 may be used for financial transaction services between the clients 100.

The P2P system 200 is a web and swap server 211, account generation unit 212, data generation unit 213, account management unit 214, reservation charge management unit 215, reservation transfer management unit 216, remittance The financial transaction server 210 includes a unit 217 and a point accumulator 218, and a database 220 including a user DB 221, a transaction history DB 222, and point data 223.

The user DB 221 of the database 220 charges the wireless terminal identifier of the client 100 subscribed to the P2P system 200, the virtual account information of the client 100, the real account number of the client 100, and the virtual account. The electronic money, the e-mail, the ID and the password of the client 100 are stored. The virtual account and the real account of the client 100 can be set at least one, and can be changed according to the request of the client 100. Do. At this time, the wireless terminal identifier is the wireless terminal telephone number of the client 100.

The transaction history DB 222 stores financial transaction service details, such as charging, currency exchange, and remittance, according to the request of the client 100, and the transaction details stored in the transaction history will be used when a transaction inquiry request of the client 100 is made.

The point DB 223 stores a point score that is given at a predetermined rate according to the financial transaction service of the client 100, and when the point score reaches the score set by the P2P system 200, the electronic money is reduced. Used.

The components of the P2P system 200 may be understood through the electronic money charging or exchange process and the electronic money transfer process, which will be described below.

First, the client 100 accesses the P2P system 200 through the wired / wireless network 150 to open a virtual account, and then describes a process of charging or exchanging a desired amount in the opened virtual account as follows.

The client 100 having at least one real account in the bank server 300 connects to the web and swap server 211 through the wired / wireless network 150, and thus the web and swap server 211 is connected to the bank server 300. Member approval, virtual account application, virtual account opening information registration and notification, electronic money charging (exchange) information confirmation, electronic money transfer application, reservation to wired and wireless terminals of the client 100 connected through the wireless communication network 150 It provides menus such as remittance setting and automatic remittance setting.

In this case, when the client 100 selects the virtual account application menu, the web and the swap server 211 provides an input window for inputting data required for the virtual account application to the wired / wireless terminal of the client 100 (for example, For example, the email of the client 100, a wireless terminal identifier (telephone number), and data input by the client 100 are transmitted to the web and swap server 211 through the wired / wireless communication network 150, and the web and After receiving data from the client 100 of the swap server 211, a virtual account is applied to the data generator 213.

The data generation unit 213 generates a virtual account number corresponding to the wireless terminal identifier of the client 100 and a confirmation key for authentication of the client 100 after receiving a request for a virtual account request from the web and the swap server 211. The client 100 is set as a standby member while being transmitted to the web and swap server 211. Accordingly, the web and swap server 211 transmits the confirmation key transmitted from the data generator 213 to the email of the client 100 or the short message using the wireless terminal identifier of the client 100.

The client 100 receiving the confirmation key from the web and swap server 211 enters the confirmation key received in the confirmation key input window provided by the web and the swap server 211 by accessing the web and the swap server 211. The input confirmation key is transmitted to the account generator 212 through the web and the swap server 211.

The account generator 212 compares and determines the verification key generated by the data generator 213 and the verification key transmitted from the web and the swap server 211. If the result of the determination does not match, the account generator 212 sends a "wrong user" message. If the result of the determination matches, the virtual account number generated by the data generating unit 213 is set as the virtual account, and the client 100 is registered as a regular member in the standby member. At this time, the virtual account set by the account generator 212 and the data input by the client 100 in the input window for the virtual setting will be stored in the user DB 221.

If the client 100 has set up a virtual account and selects electronic money charging from a menu provided by the web and swap server 211 in order to charge electronic money in its virtual account, the web and swap server 211 is connected to the virtual account. Input window for inputting the amount that can be charged to the wired and wireless terminal of the client 100 through the wireless network 150, the current balance, the name of the bank server 300 having a real account, social security number, wireless terminal identifier, etc. To provide.

When the client 100 inputs data through the input window provided by the web and the swap server 211 and transmits the data to the P2P system 200 through the wired / wireless network 150, the account manager of the P2P system 200 ( 214 generates the transfer information based on the data transmitted from the client 100, and transmits the generated transfer information to the bank server 300 having a real account of the client 100 through a dedicated line to the real of the client 100 The client 100 is instructed to transfer the amount of charge input by the client 100 to a preset real account (real account owned by the P2P system 200).

The transfer information generated by the account manager 214 stores the name of the bank server 300 in which the real account of the client 100 is located, the real account of the client 100, the amount of money transfer, and the like.

The account manager 214, which has received the transfer completion notification from the bank server 300, searches the user DB 221 to extract the electronic money information of the client 100, and then uses the electronic money as much as the recharge amount required by the client 100. Charge to After completing the charging, the account manager 214 transmits a message indicating the completion of charging to the wired / wireless terminal of the client 100 in the form of an e-mail or a short message.

When the client 100 selects an electronic money exchange from a menu provided by the web and swap server 211 in order to exchange electronic money deposited in his or her virtual account into a spot currency, the web and swap server 211 is connected to the currency. Through the wireless network 150, the amount of money you want to exchange to the wired or wireless terminal of the client 100, the current balance, the name of the bank server 300 having a real account, account number, resident number, wireless terminal identifier, etc. Provide an input window.

When the client 100 inputs data through the input window provided by the web and the swap server 211 and transmits the data to the P2P system 200 through the wired / wireless network 150, the account manager of the P2P system 200 ( 214 generates transfer information (such as a bank server 300 where a real account of the client 100 is opened and a currency exchange amount) based on the data transmitted from the client 100, and transfers the generated transfer information to a client (through a dedicated line). Transfer to the bank server 300 having a real account of 100) instructs the transfer of the exchange amount input by the client 100 from the preset real account to the real account of the client 100.

The account manager 214, which has received the transfer completion notification from the bank server 300, searches the user DB 221 to extract electronic money information of the client 100, and then converts the electronic money into the amount of money required by the client 100. Subtract from After completing the exchange, the account manager 214 transmits a message indicating the completion of charging to the wired / wireless terminal of the client 100 in the form of an e-mail or a short message.

The client 100 may access the P2P system 200 and receive a reservation charging service. When the client 100 selects a reservation charging menu from a menu provided by the web and the swap server 211, the web and the swap server 211 may access the client. Provide an input window for inputting data (for example, an e-mail, a wireless terminal identifier, a charge amount, a due date, etc.) required for reservation charging to the wired / wireless terminal of 100 and receiving the data input in the input window. The reservation charge management unit 215 is provided.

The reservation charge management unit 215 generates the reservation charge information based on the data received from the web and the swap server 211, and stores the reservation charge information in the user DB 221, and stores the reserved charge information stored in the user DB 221 at a preset time. If the result of the retrieval at an interval (for example, a daily interval) is that the scheduled charging date is the same day, the reservation recharge information is extracted, and the extracted reservation recharge information is transmitted to the account manager 214.

The account manager 214 transmits the reservation charge information transmitted from the reservation charge manager 215 to the bank server 300 having the real account of the client 100 through a dedicated line, and then presets the real account set in the real account of the client 100. The client is instructed to transfer the amount of charge set by the client 100.

The account manager 214, which has received the transfer completion notification from the bank server 300, searches the user DB 221 to extract the electronic money information of the client 100, and then converts the electronic money into the amount of money set by the client 100. Charge to After completing the charging, the account manager 214 transmits a message indicating the completion of charging to the wired / wireless terminal of the client 100 in the form of an e-mail or a short message.

As described above, when the client 100 accesses the P2P system 200 and sets up a virtual account and selects a remittance menu from the menus provided by the web and swap server 211, the web and swap server 211 is connected to the client ( Provide an input window for inputting data (for example, withdrawable electronic money, remittance date, receiver's wireless terminal identifier, remittance amount, etc.) to the wired / wireless terminal of 100), and inputs the data entered in the input window. It receives from the client 100 and provides it to the remittance unit 217.

The remittance unit 217 generates remittance information based on the data provided from the web and the swap server 211, notifies the remitter client 100 in the form of an e-mail or a short message, and waits for the response of the remitter client 100. . The remitter 217 retrieves the electronic money deposited in the virtual account of the remitter and the remitter client 100 in the user DB 221 when there is a response from the payer client 100, and transfers the amount of money from the retrieved electronic money. Add or subtract

In this case, the remitter 217 subtracts the remittance amount from the electronic money of the remitter client 100, and adds the remittance amount from the electronic money of the remitter client 100. After the remittance is completed, the remitter 217 retrieves the e-mail address or wireless terminal identifier of the remitter and the remitter client 100 from the user DB 221, and transmits the remittance complete message using the retrieved e-mail address or wireless terminal identifier. Send to the sender and the payer client 100.

The remittance completion message sent by the remittance unit 217 is sent in the form of a short message or an e-mail.

Here, when there is no virtual account opened in the P2P system 200 in the payer client 100, the payer client 100 may be configured according to the virtual account open menu selection of the payer client 100 that has received the transmission information. The wired / wireless terminal accesses the P2P system 200 through the wired / wireless network 150 to receive the amount of money remitted by the remitter client 100 after receiving the virtual account from the account generator 212 as described above. Can be received.

The remitter client 100 may be connected to the P2P system 200 to receive a reserved remittance service. When the remitter client 100 selects a reserved remittance menu from a menu provided by the web and the waffle server 211, the web and the swap server 211 is provided. Provides an input window for inputting data (for example, an e-mail, a receiver wireless terminal identifier, a remittance amount, a remittance scheduled date, etc.) required for reserved remittance to the wired / wireless terminal of the client 100, and the data input to the input window. Receive the information and provide it to the reservation remittance management unit 216.

The reservation remittance management unit 216 generates the reservation remittance information based on the data received from the web and the swap server 211, and stores the remittance information in the user DB 221, and stores the reserved remittance information stored in the user DB 221 at a preset time. If the result of the retrieval at the interval (for example, one day interval) is a remittance scheduled date, the reservation remittance information is extracted and the extracted remittance remittance information is transmitted to the remittance unit 217.

The remittance unit 217 notifies the remitter client 100 of the reservation remittance information transmitted from the remittance management unit 216 in the form of an e-mail or a short message, and waits for the response of the remitter client 100. The remitter 217 retrieves the electronic money deposited in the virtual account of the remitter and the remitter client 100 in the user DB 221 when there is a response from the payer client 100, and transfers the amount of money from the retrieved electronic money. Add or subtract

In this case, the remitter 217 subtracts the remittance amount from the electronic money of the remitter client 100, and adds the remittance amount from the electronic money of the remitter client 100. After the remittance is completed, the remitter 217 retrieves the e-mail address or wireless terminal identifier of the remitter and the remitter client 100 from the user DB 221, and transmits the remittance complete message using the retrieved e-mail address or wireless terminal identifier. Send to the sender and the payer client 100.

The remittance completion message sent by the remittance unit 217 is sent in the form of a short message or an e-mail.

Here, when there is no virtual account opened in the P2P system 200 in the payer client 100, the payer client 100 may be configured according to the virtual account open menu selection of the payer client 100 that has received the transmission information. The wired / wireless terminal accesses the P2P system 200 through the wired / wireless network 150 to receive the amount of money remitted by the remitter client 100 after receiving the virtual account from the account generator 212 as described above. Can be received.

As described above, remittance transaction service details between the remitter and the remitter client 100 made by the remitter 217 are stored in the transaction history data 222 of the database 220. The point accumulator 218 assigns a point score to the remitter client 100 according to a preset ratio for the money transfer service made by the remitter 217, and stores the assigned point score in the pointer DB 223. And the point score of the remitter client 100 is added.

Another service provided by the P2P system 200 includes an automatic money transfer service, which will be described in detail. The reservation remittance management unit 216 transfers the reservation remittance information set by the remitter client 100 to the remitter client 100. It can be modified or canceled according to the request of the client 100, so that the client 100 can set up automatic remittance information such as offline transfer as well as scheduled remittance.

In detail with regard to the automatic remittance, the reservation remittance management unit 216, similar to the reservation remittance generation process, the automatic remittance information (month (or) year unit setting, automatic remittance date, the recipient's email (or wireless terminal identifier), remittance amount, After completion of the remittance, receiving the completion information, etc.) from the client 100 is stored in the user DB (221), using the stored automatic remittance information according to the automatic remittance date and the virtual account of the remitter and the sender client 100 Search for.

The reserved remittance management unit 216 withdraws the amount of money from the retrieved remitter virtual accounts and deposits the same into the virtual account of the payer client 100. At this time, the reservation remittance management unit 216 provides the remitter client 100 in the form of an e-mail or a short message according to the setting of the remitter client 100.

Financial transaction service details such as transfer, recharge, currency exchange, automatic transfer and reservation transfer, as described above, are stored in the transaction history DB 222, and the stored transaction details are transferred to the account management unit 212 at the request of the client 100. Is withdrawn.

The account manager 212 processes the withdrawn transaction details according to a request for the daily or monthly transaction history inquiry of the client 100, and processes the processed data through the web and the swap server 211 to the wired / wireless terminal of the client 100. To provide.

The wireless terminal identifier of the client 100 that is input to receive financial transaction services such as charging, currency exchange, remittance, etc., is the wireless transmission of the sender client 100 when the client 100 uses the wireless terminal (mobile communication terminal) as an access means. Even if the terminal identifier is not input, the terminal is automatically provided to the P2P system 200. The P2P system 200 may search the user DB 221 using the provided wireless terminal identifier, and extract information such as a virtual account and a real account of the client 100 from the user DB 221.

As described above, the virtual account is set using the wireless terminal identifier of the client according to the virtual account setting of the client, and the electronic account is charged or exchanged with the electronic money according to the client's request to charge or exchange the electronic money. The amount (charge or exchange amount) corresponding to the electronic money is reflected in the real account of the client stored in the bank server connected to the leased line and transferred to the real account owned by the peer to peer system (P2P). By using the P2P system that transfers the system-owned real account from the real account of the client to the real account of the client, by providing financial transaction services such as remittance, automatic remittance, and reservation remittance between clients, the account number is used for the client who requests the financial transaction service. This can reduce the inconvenience of typing. It can enhance the convenience of the client.

In addition, by using a virtual account filled with electronic money for the financial transaction service made between the other lines, it is possible to reduce the account transfer cost to the client.

Claims (15)

In a system for providing a financial transaction service between a plurality of clients having a real account, An account generator for generating a virtual account corresponding to a wireless terminal identifier of the client connected through a wired or wireless network; A user DB storing a wireless terminal identifier of the client, virtual account information generated by the account generator, a real account set in a bank server, and an electronic money charged in the virtual account; Generate transfer information according to the electronic money charging or exchange request of the client, and transfer the generated transfer information to the bank server having the real account of the client to instruct an account transfer between the real account and a predetermined account; When the bank server executes an account transfer between the real account and a predetermined account according to the transfer information, the electronic money stored in the user DB is added or subtracted by the amount of the account transfer to charge or exchange the electronic money information. Financial transaction service system using an electronic money, characterized in that it comprises an account management unit. The method of claim 1, The financial transaction service system, Financial transaction service system using electronic money further comprises a transaction history DB for receiving and storing the transfer transaction history made by the account management unit. The method of claim 1, The financial transaction service system, A data generation unit for generating a confirmation key and a virtual account number for authentication of the client according to a virtual account request of the client and setting the client as a standby member; Web and swap server for transmitting the confirmation key generated by the data generation unit to the client in the form of a short message or e-mail through the wired and wireless network, and providing an input window for inputting the confirmation key to the client Further comprises; The account manager compares the confirmation key input in the input window with the confirmation key generated by the data generation unit, and sets the client from the standby member to the active member based on the determination result. Financial transaction service system using an electronic money, characterized in that for registering in the user DB with a virtual account. The method of claim 1, The account management unit, The financial transaction service system using electronic money, characterized in that for changing the real or virtual account of the client stored in the user DB according to the real account or virtual account change request of the client. The method of claim 1, The financial transaction service system, A reservation recharge management unit which generates reservation recharge information including a date and a charge amount to be recharged according to the electronic money reservation recharge request of the client; The account manager transfers an amount corresponding to the charged amount from the real account of the client to a preset real account on the date of the reservation charging information, and charges the charged amount to the virtual account. Financial transaction service system used. The method of claim 1, The wireless terminal identifier is, The financial transaction service system using the electronic money, characterized in that the client's wireless terminal telephone number. In a system for providing a financial transaction service between a plurality of clients having a real account, An account generator for generating a virtual account corresponding to a wireless terminal identifier of the clients (including a remitter and a receiver) connected through a wired / wireless network; A user DB storing wireless terminal identifiers of the clients, virtual account information generated by the account generator, a real account set in a bank server, and an electronic money charged in the virtual account; A web and swap server providing an input window for inputting an amount and a recipient to be remitted according to the electronic money remittance request of the remitter; Remittance information is generated according to the data entered in the input window and notified to the payee, and the remitter's virtual account is searched for in the user DB according to the payee's response to reduce the amount of money remitted from the sender's virtual account. And a remittance unit configured to add as much as the remittance amount to the virtual account of the collector. The method of claim 7, wherein The remittance unit, The financial transaction service system using the electronic money, characterized in that the notification of the generated remittance information by the e-mail of the collector or in the form of a short message using the wireless terminal identifier of the collector. The method of claim 7, wherein And the account generator generates a virtual account corresponding to the wireless terminal identifier of the collector when the depositor who has been informed of the remittance information from the remitter has no virtual account. The method of claim 7, wherein The account management unit, Financial transaction service system using electronic money, characterized in that for changing the real or virtual account of the client stored in the user DB according to the real account or virtual account change request of the client. The method of claim 7, wherein The financial transaction service system, A reservation remittance management unit configured to generate reservation remittance information including a due date, a remittance amount and a remitter, according to a remittance request of the electronic money of the client; The remitter informs the depositor of the reserved remittance information on the scheduled remittance date according to the reserved remittance information, and searches the remitter and the remitter's virtual account in the user DB according to the remitter's response to retrieve the remitter's virtual account. A financial transaction service system using electronic money, wherein the amount of the remittance is added to the depositor's virtual account and the amount of the remittance is reduced from the account. The method of claim 11, The remittance unit, The generated remittance information is notified by the recipient's e-mail or by a short message using the receiver's wireless terminal identifier, characterized in that the financial transaction service system using electronic money. The method of claim 7, wherein The financial transaction system using electronic money further comprises a transaction history DB for receiving and storing the remittance transaction history between the client made by the remitter. The method of claim 7, wherein The financial transaction service system, A point earning unit for granting points at a predetermined rate according to the remittance transaction between the clients by the remitting unit; Financial transaction service system using an electronic money, characterized in that it further comprises a point DB in which the points given by the point accumulator is accumulated. The method of claim 7, wherein The wireless terminal identifier is, The financial transaction service system using electronic money, characterized in that the client's wireless terminal telephone number.