KR20050047277A - System and method for providing relay service using wire and wireless network - Google Patents

Abstract

The present invention relates to a system and a method for providing a relay service including forwarding and remittance of a gift to a transmitting and receiving client terminal interconnected via a wired or wireless network.

The present invention provides a list of recommended products including at least one product that satisfies the search condition presented by the transmitting client. Then, according to the selection of the product of the sending client in contact with the provided list, the relay data including the selected product related information and the message created by the sending client is packaged, and the packaged relay data is encrypted. Thereafter, the encrypted relay data is transmitted to the receiving client terminal, and according to the selection of the receiving client in contact with the transmitted relay data, payment of the goods with the online shopping mall is made using the payment information including the credit card number of the transmitting client. Perform

Through this, it is possible to provide a variety of relay services, such as sending and receiving messages between the sending and receiving clients, gift transmission and remittance through account transfer.

Description

Relay service providing system using wired and wireless network and method thereof {SYSTEM AND METHOD FOR PROVIDING RELAY SERVICE USING WIRE AND WIRELESS NETWORK}

The present invention relates to a relay service providing system and a method thereof, and more particularly to a system and a method for providing a relay service related to gifts or remittances between clients using a wired and wireless network (NETWORK).

In recent years, users of financial institutions can easily perform their desired tasks at home or other places without visiting the financial institutions through internet banking or phone banking using their terminals.

However, such Internet banking and phone banking are still vulnerable due to information leakage of financial institution officials or hacking from hackers. In addition, in the case of Internet banking, a user visits a financial institution in person and registers for the first time, and then accesses a website for each financial institution to which the member is registered to perform related tasks.

This not only gives users the trouble of wasting time and resources, but also gives them anxiety about the risk of information leakage.

As a solution to this problem, a financial transaction method using electronic signature and encryption technology of public key cryptography (PKI) has been proposed. This solves the problem of personal information security in the online financial transaction service to enable safer financial transactions.

However, this method allows a user to search for information in order to find out where a bank provides a low transfer fee, and then perform the related work only after visiting the searched bank again in person. In other words, the security anxiety can be solved, but the user still hassle when performing related tasks.

On the other hand, in recent years, with the development of science and technology and the wide spread of the Internet, e-commerce through the Internet has been increasing exponentially. Accordingly, purchases of products that were only made offline are also made in real time online via the Internet.

However, such online purchases may leak various personal information (addresses and phone numbers, etc.) including credit card numbers and passwords, which are one of the user's payment methods. In the case of a large number, in some cases, after registering each member in a different online shopping mall, a desired product can be purchased.

In order to solve such anxiety, a method of purchasing an item using encryption method has been proposed, but this also allows a user to perform a cumbersome and complicated process from joining each shopping mall to searching for information to find an optimal product desired by the user. Gives difficulties that must be done one by one.

The technical problem to be solved by the present invention is to solve such a problem, a relay service providing system and method using a wired or wireless network that can provide a relay service, such as a message transfer between the client and the transfer of gifts through the transfer and account transfer. It is to provide.

In addition, the present invention is to provide a relay service providing system and method using a wired and wireless network that can protect the client-related information (credit card number and transaction account number) necessary for providing such a relay service.

In addition, the present invention provides a list of recommended products that include at least one product at the client's option, and provides a financial transaction condition that includes the lowest transfer fee, thereby providing the client with optimal product futures, time and resources. It is to provide a relay service providing system and a method using a wired and wireless network to prevent waste.

In a system for providing a relay service using a wired or wireless network according to a feature of the present invention for achieving the above object, in a system for providing a relay service to a transmitting and receiving client terminal interconnected through a wired or wireless network, a search presented by a transmitting client A recommendation product list providing unit for providing a recommendation product list including at least one product meeting a condition; A relay data packaging unit for packaging relay data including the selected product related information and a message written by the transmitting client according to a product selection of the transmitting client in contact with the provided list; An encryption execution / management unit for encrypting the packaged relay data; A data transmission / reception control unit for transmitting the encrypted relay data to the receiving client terminal; And payment settlement for performing a product payment with an on-line shopping mall selling the selected product using payment information including the credit card number of the sending client according to the selection of the receiving client in contact with the transmitted relay data. Include the administration.

And, if the sending client wants to transfer a certain amount of money to the receiving client, a transaction condition presentation unit for presenting a transaction condition including a bank name that provides the lowest account transfer fee; And a receiving option setting / management unit configured to apply a receiving option including at least one of the receiving client receiving a product, simultaneously receiving the product and the predetermined amount of money remitted, or receiving the predetermined amount of money remitted. It further comprises.

In addition, a method for providing a relay service using a wired / wireless network according to an aspect of the present invention includes a method for providing a relay service to a transmitting and receiving client terminal interconnected through a wired / wireless network, the method comprising: a) a search condition presented by a transmitting client; Providing a recommendation product list including at least one matching product; b) packaging relay data including the selected product related information and a message written by the transmitting client according to a product selection of the transmitting client encountering the provided list; c) encrypting the packaged relay data; d) transmitting the encrypted relay data to the receiving client terminal; And e) performing payment for goods with the online shopping mall by using payment information including a credit card number of the transmitting client according to a selection of the receiving client that has received the transmitted relay data.

In addition, a recording medium storing a program according to an aspect of the present invention, a recording medium comprising a method for providing a relay service to the transmitting and receiving client terminal interconnected via a wired or wireless network, a) Providing a list of recommended products including at least one product matching a search condition; b) packaging relay data including the selected product related information and a message written by the sending client according to a product selection of the sending client encountering the provided list; c) encrypting the packaged relay data; d) transmitting the encrypted relay data to the receiving client terminal; And e) a function of performing a payment for goods with the online shopping mall by using payment information including a credit card number of the transmitting client according to a selection of the receiving client that has received the transmitted relay data. The recorded computer readable recording medium is featured.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention. Like parts are designated by like reference numerals throughout the specification.

In the following embodiment of the present invention, for convenience of explanation, a client who sends or sends a gift from the other party is called a sending client, and a client receiving a gift or money from the sending client is called a receiving client. In addition, the sending client may be the receiving client according to the presenter or the remitter, and in some cases, the receiving client may also be the transmitting client.

1 is a diagram illustrating a schematic configuration of a relay service providing system using a wired or wireless network according to an embodiment of the present invention.

As shown in FIG. 1, the relay service providing system 100 using the wired or wireless network is interconnected with the transmitting and receiving client terminals 300 and 400 through the wired / wireless communication network 200, and includes the first to n-th financial institutions ( 501-500n) and online shopping malls 601-600n are also interconnected.

At this time, the transmitting and receiving client terminal (300, 400) is connected to the wired / wireless communication network (200) from the computer (310, 410) that can be provided with the relay service according to an embodiment of the present invention from the mobile (320, 420), PDA 330, 430 and IMT-2000 (340, 440), including various Internet connection devices.

The relay service providing system 100 constituting such a structure will be described in detail. First, when a transmitting client accesses a website providing a relay service using its own terminal 300, the relay service providing system 100 transmits. Have the client compose a message (in some cases, mail or multimedia messaging, etc.) to be sent to the receiving client.

Subsequently, when the sending client that has written the message presents the search condition (for example, price, product type, brand name, manufacturer, etc.) of the product to present to the receiving client, the relay service providing system 100 may present the sending client. Based on the search conditions, the list of recommended recommended products is presented. This in turn prevents the sending client from time and resource equipment due to information retrieval.

The recommended product list provided at this time includes a shopping mall that presents an optimal price, a shipping cost condition, a free gift condition, and the like.

In addition, when the sending client wants to transfer a certain amount of money to the receiving client along with the message transmission, the relay service providing system 100 may perform a transaction for each bank that may transfer (account transfer) to the other party through a low transfer fee burden. Present the conditions.

Thereafter, when at least one or more products are selected from the list of recommended products presented by the transmitting client, the relay service providing system 100 causes the transmitting client to determine a receiving option for each product selected by the transmitting client.

A reception option is a kind of conditional table which allows a receiving client to receive only a gift or a certain amount of money or a certain amount of money to be sent by the gift and the sending client according to a condition specified by the sending client.

Subsequently, when the sending client selects a receiving option for each product and inputs payment related information (for example, a credit card number, a password, a transaction account number, etc.) necessary for payment of the product, the relay service providing system 100 Package the relay data including the transmission message and the list of selected products together with the receiving client related information (such as an e-mail address or terminal number).

Thereafter, the relay service providing system 100 transmits the packaged relay data to the receiving client terminal 400 through an encryption and electronic signature procedure.

Then, the receiving client receives only the gift or only the gift and the remitted amount, or the remittance amount according to the receiving option determined by the transmitting client. The relay service providing system 100 receives the receiving method from the receiving client terminal 400 ( For example, personal information (receipt and receiving time, etc.) required for receiving and receiving) or receiving and storing using a virtual account, etc. are received.

In addition, the relay service providing system 100 may perform gift payment with the online shopping mall 600 or account transfer of a financial institution using the payment related information presented by the transmitting client according to the received information. In this case, the relay service providing system 100 may receive the approval of the sending client once again, and then perform the payment for the goods.

As such, the relay service providing system using the wired / wireless network according to the embodiment of the present invention freely transmits and receives messages between the sending and receiving clients without presenting various personal information including the account number and the credit card number of the sending client. Provides various relay services related to delivery and remittance.

In addition, the present invention provides a client by providing a financial transaction condition that presents the lowest transfer fee in real time when providing such a relay service, or by providing a list of recommended products according to the product search condition presented by the transmitting client. It leads to an increase in service satisfaction through optimal product purchase, and time and resource prevention.

Then, the detailed configuration of the relay service providing system constituting such a structure will be described through the accompanying drawings.

 2 is a diagram illustrating a detailed configuration of a relay service providing system using a wired or wireless network according to an embodiment of the present invention.

As illustrated in FIG. 2, the relay service providing system 100 using the wired / wireless network according to an embodiment of the present invention may include a client management server 110, a relay service providing / management server 120, and a database management server 130. Include.

The client management server 110 includes a client manager 111 and a web page manager 112, and the relay service providing / management server 120 includes a message writing / managing unit 121 and a recommendation product list providing unit 122. The transaction condition presentation unit 123, the reception option setting / management unit 124, the relay data packaging unit 125, the encryption execution / management unit 126, the data transmission / reception control unit 127, and the payment settlement / management unit 128 are included.

The database management server 130 includes a client DB 131, a product DB 132, a finance DB 133, a relay data DB 134, an encryption DB 135, and a payment DB 136.

In more detail, first, the client management server 110 manages information to be added and updated from storage of relevant information for each client, and provides a main web and sub web pages corresponding thereto for providing a relay service. The client management server 110 also manages financial institutions 501 to 500n and online shopping malls 601 to 600n as members.

The client manager 111 performs overall management related to the client, from storing and changing client information to adding / deleting member related information (eg, ID, password, etc.) and determining member / nonmember by searching for information. do.

The web page management unit 112 provides a web page related to providing a relay service, and manages such web pages (main and sub web pages).

The message creation / management unit 121 of the relay service providing / management server 120 allows a sending client that has been registered or authenticated to create a message (or mail, multimedia messaging, etc.) to be sent to the receiving client.

The recommended product list providing unit 122 stores and manages product related information for each shopping mall, which is received from the online shopping malls 601 to 600n, and searches for suitable products among management information according to a search condition presented by the transmitting client. Present the list of best recommended products.

At this time, the recommendation product list providing unit 122 also provides shopping mall-related information that presents the lowest price for the same product from a product name, a manufacturing company name, and a transportation cost through the recommendation product list.

The transaction condition presentation unit 123 stores and manages transaction related information received from the financial institutions 501 to 500n. When the sending client wants to transfer money to the receiving client, the transaction condition for each financial institution is searched for. Provide optimal trading conditions (eg, a financial institution that offers the best transfer fee).

As described above, in the embodiment of the present invention, when the sending client wants to transfer money to the receiving client, the transaction condition search for the transfer is explained. However, this is not limited to the present invention, and in some cases, cyber money Remittances can be made from mobile payments, credit cards and prepaid cards.

The receiving option setting / management unit 124 causes the transmitting client to select a receiving option that the receiving client can select for at least one gift and the remittance amount selected by the transmitting client.

That is, the reception option setting / management unit 124 may receive only a gift sent by the sending client when receiving a message of the receiving client, or may receive only a gift, a remittance amount, or a remittance amount according to a selection of the receiving client. Apply the option.

The relay data packaging unit 125 packages relay data including payment information of the transmitting client, receiving information of the receiving client, a transmission message, and a list of selected products.

The encryption execution / management unit 126 performs electronic signature and encryption on the packaged relay data based on a public key infrastructure (PKI), which is a public key cryptography method.

The data transmission / reception control unit 127 transmits the encrypted relay data to the receiving client terminal 400 through the wired / wireless communication network 200 or transmits a confirmation message received from the receiving client terminal 400 to the transmitting client terminal 300. . That is, the data transmission and reception control unit 127 performs overall control according to data transmission and reception.

When the receiving client wants to receive a gift among the predetermined receiving options, the payment settlement / management unit 128 presents the receiving method when the receiving client presents the gift receiving method (direct receipt, storage or delivery using a virtual account, etc.) and the destination. Using the payment related information (credit card number and password, transaction account number) to perform the payment for goods with the online shopping mall 600.

On the other hand, if the receiving client wants to receive a certain amount of the predetermined receiving option, the payment settlement / management unit 128 to transfer a certain amount of money from the transaction account presented by the sending client through the financial institution 500 to the account of the receiving client .

In addition, the payment settlement / management unit 128 may check the payment of the goods or transfer a predetermined amount of money, in some cases, once again confirmed by the sending client, and then perform payment or transfer of money later.

The database management server 130 manages databases in which various kinds of information related to a relay service are stored, such as product related information for each online shopping mall, presentation of a list of recommended products for each client, reception option setting, and relay data encryption.

The client DB 131 stores various information related to the financial institution 500, the online shopping mall 600, or the like, and client information to be changed and added, from transmitting and receiving client related information.

The merchandise DB 132 stores merchandise related information received from the online shopping mall 600, for example, information related to a product name, a manufacturer, and a price, is classified as an online shopping mall.

The financial DB 133 stores information related to a registered financial institution, for example, information related to a bank transfer fee.

The relay data DB 134 stores the transmission and reception client related information, a commodity list, and the relay data related information including a transmission message for each client.

The encryption DB 135 stores information including a technology and a program necessary for encryption for each relay data.

The payment DB 136 stores information related to payment with the financial institution 500 or the online shopping mall 600, for example, information related to a payer, a payment date, a payment amount, and the like, according to a predetermined criterion.

Then, the operation process of the relay service providing system using the wired or wireless network having such a configuration will be described in detail with reference to the accompanying drawings.

3 is a flowchart sequentially illustrating an operation process of a relay service providing system using a wired or wireless network according to an embodiment of the present invention.

As shown in FIG. 3, the online shopping malls 601 to 600n provide various product related information to be sold by the company through a member registration process (S301). The recommended product list providing unit according to an embodiment of the present invention ( 122 may classify and manage product-related information received from the online shopping malls 601 to 600n by shopping mall or price range (S302). A display example of such product related information is attached to FIG. 4.

4 is a diagram illustrating product related information received from an online shopping mall according to an embodiment of the present invention.

As shown in FIG. 4, the product related information 410 includes a product classification code 411, a product name 412, a manufacturer code 413, a price 414, a condition code 415, a shopping mall code 416, and the like. Extension code 417.

Subsequently, when the sending client logs in (S303) to a website providing a relay service using its own terminal 300, the client management server 110 determines whether the logged in client is a member / non-member. In operation S304, a web page related to the relay service is provided according to the determination result.

Subsequently, the message creation / manger 121 allows the sending client that has contacted various information on the web page to create a message (or mail, multimedia messaging, etc.) to be sent to the receiving client (S305).

That is, the sending client creates a simple short message or a multimedia messaging (for example, a wedding invitation or an electronic card, etc.) combining voice and video data according to its situation.

Subsequently, when the transmitting client presents a product search condition including a product type and a price range desired by the client (S306), the recommended product list providing unit 122 displays the product information corresponding thereto according to the search condition presented. In step S307, a list of recommended products is presented.

At this time, the recommendation product list providing unit 122 also provides shopping mall-related information that presents the lowest price for the same product from a product name, a manufacturing company name, and a transportation cost through the recommendation product list.

Thereafter, the transmitting client selects at least one or more gifts of his / her choice from the list of recommended products, and optionally selects a method of remitting a predetermined amount of money (S308).

In this case, when the transmitting client wants to select at least two gifts, the transmitting client may present the product search condition as many times as desired. Then, the recommended product list providing unit 122 again presents a product search condition including a product type and price range desired by the sending client.

In addition, the transmitting client may be presented with another recommendation product list from the relay service providing system 100 to select a plurality of products.

In addition, the reception option setting / management unit 124 may receive only a gift sent by the sending client when receiving a message of the receiving client, or may receive only a gift, a remittance amount, or a remittance amount according to a receiving option selection of the sending client. do.

On the other hand, when the sending client wants to transfer a certain amount of money to the receiving client, the transaction condition presenting unit 123 searches for the trading condition for each financial institution and presents an optimal transaction condition (for example, a finance for presenting an optimal transfer fee). Institution, etc.)

As such, the intermediary service providing system 100 according to an embodiment of the present invention searches for and presents a transaction condition for the transfer of money when a transmitting client wants to transfer a certain amount of money to a receiving client, but this is limited to the present invention. In some cases, money transfer may be made through cyber money, mobile phone payment, credit card or prepaid card.

Subsequently, after the sending client selects the product and selects the option, when the sending client inputs the payment information (for example, credit card number and password or transaction account number and password) required for future payment, the relay data packaging unit ( 125 packages relaying data including payment information of the transmitting client, destination information of the receiving client, and a transmission message and a list of selected products (S309).

Thereafter, the encryption execution / management unit 126 performs electronic signature and encryption on the packaged relay data based on a public key infrastructure (PKI), which is a public key encryption method (S310).

Then, the data transmission and reception control unit 127 transmits the encrypted relay data to the receiving client terminal 400 through the wired / wireless communication network 200 (S311).

Then, the receiving client receives the corresponding message through its terminal 400 (S312), and then selects a desired gift among at least one or more gifts presented together with the message (S313). At this time, the receiving client may receive a certain amount of money or, in some cases, select both the money and the gift according to the option set by the sending client.

Thereafter, the receiving client determines a method (such as direct receipt or storage and delivery using a virtual account) to receive a gift or money (S314), and then presents the destination (S315), and the payment settlement / management unit 128 transmits the data. Use the payment information presented by the client to perform the settlement of the futures price with the online shopping mall 600, or a certain amount of money (-presented by the sending client to the virtual account of the receiving client at the financial institution through the transaction account presented by the sending client). One money-) is to be transferred (S314).

Subsequently, the relay service providing / management server 120 according to an embodiment of the present invention checks whether there is an additional service request from the client or the financial institution 500 or the online shopping mall 600 (S315), and confirms the additional service. If no request is made, the relay service is terminated. On the other hand, if there is an additional service request as a result of the check, the aforementioned operation is repeated.

As such, the relay service providing system and method thereof according to an embodiment of the present invention freely transmit and receive messages between transmitting and receiving clients without revealing various personal information including an account number, a credit card number, a password, and the like of the transmitting client. And various relay services related to gift delivery and remittance.

In addition, the present invention provides a client by providing a financial transaction condition that presents the lowest transfer fee in real time when providing such a relay service, or by providing a list of recommended products according to the product search condition presented by the transmitting client. It leads to an increase in service satisfaction through optimal product purchase, and time and resource prevention.

Next, FIG. 5 is a flowchart sequentially illustrating a relay service providing method according to another embodiment of the present invention.

As shown in FIG. 5, first, when a transmitting client logs in to a relay service website using his terminal 300 (S501), the message writing / management unit 121 sends the sending client to a plurality of receiving clients. To make a wedding invitation (multimedia messaging) to be made (S502).

Thereafter, the sending client inputs the payment information including the transaction account number and the bank name to receive the money, in step S503, and writes the list of receiving clients (list of recipients and e-mail or terminal number) (S504). Complete the creation (S505).

Then, the relay data packaging unit 125 packages the relay data including the payment client list and the content of the wedding invitation from the payment information of the transmitting client (S506).

Thereafter, the encryption execution / management unit 126 encrypts the packaged relay data with an electronic signature based on a public key infrastructure (PKI), which is a public key cryptosystem (S507).

Thereafter, the data transmission / reception control unit 127 transmits the encrypted relay data to at least one or more receiving client terminals 400 through the wired / wireless communication network 200 (S508), and the receiving client receives the congratulatory message in the wedding invitation (S509). After selecting the send (S510) to write a congratulatory message (S511), and selects a payment method (payment or cyber money, etc.) (S512).

Thereafter, the payment settlement / management unit 128 allows a predetermined amount of money to be transferred (S513, S514) to the transaction account presented by the transmitting client according to the payment method selected by the receiving client.

At the same time, the data transmission / reception control unit 127 transmits the congratulatory message written by the receiving client to the transmitting client terminal 300 (S515), and the transmitting client receives the congratulatory message through a mail or a short message form (S516). .

As described above, although embodiments of the present invention have been described regarding the delivery of congratulations and congratulatory messages according to the preparation of a wedding invitation, this is not limited to the present invention, and in some cases, the provision of condolences and consolation messages may be performed. . And it can apply also in other cases (for example, birthday card, etc.).

The drawings and detailed description of the invention are exemplary only, and are used for the purpose of illustrating the invention only, and are not intended to be limiting or to limit the scope of the invention described in the claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

The relay service providing system and method using the wired / wireless network according to the present invention can provide various relay services such as sending and receiving messages between transmitting and receiving clients, transmitting gifts and transferring money through account transfer. In addition, the present invention can protect the client related information (credit card number and transaction account number) necessary for providing such a relay service.

In addition, the present invention provides a financial transaction condition including the lowest transfer fee when providing such a relay service, and provides the client with an optimal product list by providing a list of recommended products according to the product search conditions presented by the sending client. This results in increased service satisfaction by preventing gifts and waste of time and resources.

1 is a diagram illustrating a schematic configuration of a relay service providing system using a wired or wireless network according to an embodiment of the present invention.

2 is a diagram illustrating a detailed configuration of a relay service providing system using a wired or wireless network according to an embodiment of the present invention.

3 is a flowchart sequentially illustrating an operation process of a relay service providing system using a wired or wireless network according to an embodiment of the present invention.

4 is a diagram illustrating product related information received from an online shopping mall according to an embodiment of the present invention.

5 is a flowchart sequentially illustrating a method of providing a relay service according to another embodiment of the present invention.

Claims (17)

A system for providing a relay service to a transmitting and receiving client terminal interconnected via a wired or wireless network, A recommendation product list providing unit providing a recommendation product list including at least one product matching a search condition presented by a transmitting client; A relay data packaging unit for packaging relay data including the selected product related information and a message written by the transmitting client according to a product selection of the transmitting client in contact with the provided list; An encryption execution / management unit for encrypting the packaged relay data; A data transmission / reception control unit for transmitting the encrypted relay data to the receiving client terminal; And A settlement settlement for performing a product payment with an online shopping mall that sells the selected product using payment information including the credit card number of the sending client according to the selection of the receiving client in contact with the transmitted relay data; Management Relay service providing system using a wired or wireless network comprising a. According to claim 1, A transaction condition presentation unit for presenting a transaction condition including a bank name that provides a minimum bank transfer fee when the sending client wants to transfer a predetermined amount to the receiving client; And A receiving option setting / managing unit for applying a receiving option including at least one of receiving the product by the receiving client, simultaneously receiving the product and the predetermined amount of money remitted, or receiving the predetermined amount of money remitted Relay service providing system using a wired or wireless network further comprising. The method of claim 2, The recommended product list providing unit, Relay service providing system using a wired and wireless network, characterized in that for receiving and managing the product-related information including the product name, manufacturer and sales price from the online shopping mall. The method of claim 2, The recommended product list providing unit, And a search result including a shopping mall and a selling price for presenting different selling prices for the same product according to a search condition presented by the transmitting client. The method of claim 2, The encryption execution / management unit, System for providing a relay service using a wired or wireless network, characterized in that for performing the electronic signature and encryption based on PKI (Public Key Infrastructure) of the packaged relay data. The method of claim 2, The payment settlement / management unit, In accordance with the selection of the receiving client, a relay service providing system using a wired / wireless network, characterized in that a certain amount of money from the trading account presented by the sending client is transferred to the trading account of the receiving client. The method of claim 6, The payment settlement / management unit, After receiving the additional approval from the sending client, the wire transfer or relay service providing system using a wired or wireless network, characterized in that for performing a payment for goods with the online shopping mall. The method of claim 2, A message creation / management unit for providing a web page capable of writing at least one of a short message, an e-mail, and a multimedia messaging including an electronic card to the sending client terminal. Relay service providing system using a wired or wireless network further comprising a. According to claim 1, The product recommendation list mentioned above, System for providing a relay service using a wired or wireless network, characterized in that it comprises at least one of the presence or absence of a free gift for each product, the presence or absence of coupons, shipping fees, and product-specific discount rate. A method for providing a relay service to a transmitting and receiving client terminal interconnected via a wired or wireless network, the method comprising: a) providing a recommendation product list including at least one product matching a search condition presented by a transmitting client; b) packaging relay data including the selected product related information and a message written by the transmitting client according to a product selection of the transmitting client encountering the provided list; c) encrypting the packaged relay data; d) transmitting the encrypted relay data to the receiving client terminal; And e) performing a payment for goods with the online shopping mall by using payment information including a credit card number of the sending client according to a selection of the receiving client that has received the transmitted relay data; Relay service providing method using a wired or wireless network comprising a. The method of claim 10, f) if the sending client intends to transfer a certain amount of money to the receiving client, presenting a transaction condition including a bank name that provides a lowest bank transfer fee; And g) a receiving option setting / management unit for applying a receiving option including at least one of receiving the goods by the receiving client, receiving the goods and the predetermined amount of money remitted at the same time, or receiving the certain amount of money remitted Relay service providing method using a wired or wireless network further comprising. The method of claim 11, wherein A), Receiving product related information including a brand name, a manufacturer, and a selling price from the online shopping mall; And Classifying and managing the received product related information by a predetermined criterion Relay service providing system using a wired or wireless network comprising a. The method of claim 12, Step a) is Searching for a shopping mall that presents different selling prices for the same product according to a search condition suggested by the transmitting client; And Providing a search result including the search price of each shopping mall and the year of manufacture Relay service providing method using a wired or wireless network comprising a. The method of claim 11, wherein Step c) is Performing digital signature and encryption on the packaged relay data based on a public key infrastructure (PKI) Relay service providing method using a wired or wireless network comprising a. The method of claim 11, wherein In step e), According to a selection of the receiving client, causing a certain amount of money to be transferred from the trading account presented by the sending client to the trading account of the receiving client Relay service providing method using a wired or wireless network comprising a. The method of claim 15, In step e), Receiving further approval from the sending client; Performing the wire transfer according to the additional approval result; And Performing a payment for goods with the online shopping mall according to the additional approval result Relay service providing method using a wired or wireless network comprising a. A recording medium comprising a method for providing a relay service to a transmitting and receiving client terminal interconnected via a wired or wireless network, a) providing a list of recommended products including at least one product matching the search conditions presented by the sending client; b) packaging relay data including the selected product related information and a message written by the sending client according to a product selection of the sending client encountering the provided list; c) encrypting the packaged relay data; d) transmitting the encrypted relay data to the receiving client terminal; And e) a function of performing a payment for goods with the online shopping mall by using payment information including a credit card number of the transmitting client according to a selection of the receiving client that has received the transmitted relay data; A computer-readable recording medium having a program recorded thereon.