KR20060063548A - Method for providing remitting money service - Google Patents

Abstract

The present invention relates to a method for providing a remittance service. In the remittance service according to the present invention, a remittance service providing method performed by a service management server which combines at least one remitter terminal and at least one remitter terminal through a communication network, the method comprising: receiving remittance information from a remitter terminal; Wherein the remittance information includes at least one of an identifier of the payee terminal and a payee name; And transmitting the remittance message generated based on the remittance information to the recipient terminal, receiving the remittance information in response to the remittance message from the remitter terminal, and remitting the remittance based on the remittance information.

Wire transfer, communication terminal

Description

How to provide money transfer service {Method for providing remitting money service}

1 is a schematic diagram of a system for providing money transfer services in accordance with one preferred embodiment of the present invention.

2 is a diagram showing the configuration of a communication terminal for providing a remittance service according to an embodiment of the present invention.

3 is a diagram illustrating a structure of a terminal platform of a communication terminal in which an application program for providing a remittance service according to an exemplary embodiment of the present invention is installed.

4 is a block diagram showing a service management server according to an embodiment of the present invention.

5 is a module configuration diagram of a service management server according to an embodiment of the present invention.

6 is a flowchart illustrating a remittance service procedure according to an exemplary embodiment of the present invention.

7 is a flowchart illustrating a remittance service process according to an exemplary embodiment of the present invention.

8 is a signal flow diagram illustrating a procedure for providing a remittance service according to an embodiment of the present invention.

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

101... Remitter terminal 103. Payee terminal

105... Wired and wireless communication network 107. Service management server

109... Financial management server 111. News agency database

The present invention relates to a method for providing a remittance service.

Among the existing remittance services, the account transfer method has been developed and diversified into telebanking using wired telephones, Internet banking performed on wired Internet, and recently, remittance services using mobile phones. However, because the security aspect is overemphasized, the account number of the collector is still required, and there is an inherent inconvenience that the sender must go through a separate confirmation call to know the account number. In order to alleviate this inconvenience, a money transfer service via e-mail address and a money transfer service using the phone number of a mobile phone have been released. Remittance and collection are limited. This cumbersome membership registration process is not convenient compared to the process of receiving account information through communication between both parties, and thus it is not activated. In addition, since the financial information of the customer is directly or indirectly connected to the corresponding member registration information, when the management of the member registration information is poor, this also implies a high risk of leakage of financial information. In fact, in recent years, companies that provide such services have been exposed to security problems, such as abuse of membership information leaked to third parties. In addition, when sending money to another person through a credit card cash service or a financial institution's short loan service, it is inconvenient to go through two steps: a cash service or loan application process and a bank transfer process. In other words, most financial institutions limit the amount of cash and loan service applications to the sender's own direct debit account or the account of the sender's own name. There are still no active services among the models that allow you to send money at once without an account number.

An object of the present invention relates to a method and apparatus for providing a wired and wireless wire transfer service that allows a remitter and a remitter to transfer money without using a separate membership registration procedure or an account number by using a telephone number and a name of a wired or wireless communication terminal. .

Another object of the present invention relates to a method and apparatus for providing a service that can reduce the risk of leaking customer information by managing financial information only at a financial institution server.

Still another object of the present invention is to provide a method and apparatus for providing a remittance service processing process in real time to a user of a remitter terminal and a receiver terminal using wired / wireless telephone ARS or a text message.

In accordance with an aspect of the present invention to achieve the above object, a remittance service providing method performed by a service management server that combines at least one sender terminal, at least one receiver terminal with a communication network, the remitter terminal Receiving remittance information from the remittance information, wherein the remittance information comprises at least one of an identifier of a payee terminal and a payee name; Transmitting a remittance message generated based on the remittance information to the payee terminal, receiving remittance information in response to the remittance message from the remitter terminal, and remitting the remittance based on the remittance information; Can provide remittance service.

In a preferred embodiment, the remittance service is a step of receiving a remittance request signal from the sender terminal, in response to the remittance request signal, transmitting a remitter information request signal to the remitter terminal, from the remitter terminal The method may further include receiving sender information in response to the sender information request signal and verifying validity of the sender information. In the remittance service, at least one of the remitter terminal and the remitter terminal is any one of a wired and wireless terminal and a personal computer (PC), and the communication network is one of a wired and wireless communication network and the Internet. In addition, the remittance service may further include validating the collection information. In addition, the remittance service is characterized in that the validity of the collection information is verified in conjunction with the financial institution server and communication company database. The remittance service may further include transmitting a processing completion message corresponding to the remittance processing to the remitter terminal.

According to another aspect of the present invention, a service management server for providing a remittance service by combining at least one sender terminal, at least one receiver terminal and a communication network, means for receiving remittance information from the sender terminal- Wherein the remittance information comprises at least one of an identifier of the payee terminal and a payee name; Means for transmitting a remittance message generated based on the remittance information to the payee terminal, means for receiving remittance information in response to the remittance message from the remitter terminal, and means for remittance processing based on the remittance information; It can provide a service management server.

According to another aspect of the present invention, at least one sender terminal, at least one receiver terminal and the service management server for providing a remittance service coupled to the communication network, the memory in which the program is stored, coupled to the memory And a processor configured to execute the program, wherein the processor receives, by the program, remittance information from the remitter terminal, wherein the remittance information is at least one of an identifier of the remitter terminal and a remitter's name. Comprising; Transmitting a remittance message generated based on the remittance information to the payee terminal; receiving remittance information in response to the remittance message from the remitter terminal; and remitting the remittance process based on the remittance information; A service management server may be provided.

Next, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically showing a system for providing a remittance service according to an embodiment of the present invention.

Referring to FIG. 1, a remittance service providing system includes a remitter terminal 101, a receiver terminal 103, a wired / wireless communication network 105, a service management server 107, a financial management server 109, and a telecommunication company database 111. It includes.

Remitter terminal 101 and the receiver terminal 103 is a communication terminal that performs communication is equipped with a mobile platform and includes a function that can send and receive messages. The sender terminal 101 and the receiver terminal 103 communicate with the service management server 107 through the wired / wireless communication network 105 to perform communication, and receive a message from the service management server 107 in the standby mode. Print a message. The remitter terminal 101 and the receiver terminal 103 include a landline telephone, a mobile phone, a PDA phone, a smart phone, a notebook computer, a tablet PC, and the like. In addition, the wired and wireless communication network 105 includes a mobile communication network and the Internet.

The service management server 107 receives the remittance information and the remittance information input from the remitter terminal 101 and the remitter terminal 103 and undergoes authentication processing from the financial institution server 109 and the telecommunication company database 111 to guide the ARS. Or it transmits a text message and the like to the sender terminal 101 and the receiver terminal 103.

The financial institution server 109 and the telecommunication company database 111 include a function of providing the information to the service management server 107 in response to the information requested by the service management server.

A method of providing a service according to the present invention will be described with reference to the above configuration as follows. First, the user of the remitter terminal 101 accesses the service management server 107 through the wired / wireless communication network 105 and requests the remittance service of the present invention, and then receives the remitter information from the service management server 107. . In addition, the remitter terminal 101 may receive a remitter information request message to be output to the display unit from the service management server 107 in the standby mode. The user of the remitter terminal 101 receives the remitter authentication from the financial institution server 109 by inputting the remitter information according to the authentication method of the financial institution. The remitter terminal 101 having received the remitter authentication transmits remittance information including the wired / wireless telephone number and the real name of the remitter to the service management server 107 to remit the remitter. The user of the remitter terminal 101 can also transmit the remittance information by accessing the service management server 107 through an ATM, wired telebanking, online banking, financial institution web site, or a wireless telephone.

Thereafter, when the receiver terminal 103 receives the remittance message from the remitter terminal 101, the remitter terminal 103 receives the remittance service through authentication of the receiver. The service management server 107 sets the service environment for the money receiver terminal 103 in the same manner as the service environment of the money transmitter terminal 101 when no other setting signal is received from the money collector terminal 103. The service management server 107 receives the remitter authentication information, the remitter communication subscription information, and the remitter authentication information from the financial institution server 109 and the telecommunication company database 111 according to the service environment. The user of the collector terminal 103 is authenticated. In addition, the remitter terminal 101 authenticates the user of the remitter terminal 101 and the remitter terminal 103 through the service management server 107 to the remitter terminal 103 according to the remittance service according to the present invention. You can send money.

The remittance service according to the present invention does not require a separate membership, so membership information is not required. The money transfer service is connected to the service management server 107, the telecommunication company database 109 and the financial institution server 109 by a dedicated line. The remittance service manages the remitter information only in the financial institution server 109 and the account transfer is also performed in the same financial institution server 109, so there is less possibility of an accident.

In addition, the remittance service may inform the processing process in real time to the user's communication means ATM, wired telebanking, online banking, financial institution website, and wireless telephone. The remittance service includes the ability to cancel the remitter's request at any time before the remitter receives it. The remittance service includes a function of automatically remitting a request for remittance if the receiver does not receive it for a certain period of time and notifying the revocation of the remittance via the ARS of the remitter's landline telephone or a text message of the mobile terminal.

2 is a diagram showing the configuration of a communication terminal for providing a remittance service according to an embodiment of the present invention.

Referring to FIG. 2, a communication terminal to which the present invention is applied includes a key input unit 203 which is controlled by a control unit (CPU) 201, a control unit 201 and is responsible for inputting various functions and operations of the communication terminal. The display unit 205 includes a memory 207, a voice processor 209, and a transceiver 211.

The controller 201 receives a signal processed by the transceiver 211 and controls the overall operation of the communication terminal. In addition, when the communication terminal requests a remittance service according to the present invention, the remitter information is requested from a service management server. Thereafter, the communication terminal outputs the received request message to the display unit 205 in the form of a bulletin board, and remitter information and collection information are input. The control unit 201 performs control of various components provided.

The display unit 205 is a display device such as a liquid crystal display (LCD). The display unit 205 displays the state of the communication terminal or the progress of the program under the control of the control unit 201. That is, the display unit 205 displays the overall state of the communication terminal and input user information. In addition, the display unit 205 further includes a function of outputting a message in the standby mode of the communication terminal and outputting an image to the standby screen.

In the memory 207, an operation program and a system program of the control unit 201 are stored, and the operation program or system program is stored in a ROM area which is normally included and can be erased as necessary. Electrically erasable ROMs include EEPROM and flash memory. The memory 207 also includes RAM for temporarily storing data generated during execution of various operation programs. The memory 207 further includes a function of storing a message received from the service management server.

The voice processor 209 modulates a voice signal input from a microphone and converts the voice signal into voice data, and demodulates the voice data input from the transceiver 211 and the voice data stored in the memory 207 into voice signals. Performs the function of outputting sound through voice.

The transceiver 211 is controlled by the controller 201, and converts a signal output from the controller 201 to a wireless signal, and converts a wireless signal received through an antenna into a desired signal and outputs the converted signal.

A method of outputting a message and an image to a display unit in a standby mode in a communication terminal having the above configuration will be described below. The user of the communication terminal stores the remitter authentication and the remitter authentication provided by the financial institution server to store and install the remittance service in the memory 207. The user inputs remittance information using the key input unit 203 to execute the remittance service, and outputs a remittance message and a processing completion message in a short message form in a standby mode. The communication terminal completes the service setting by transmitting the sender information and the payee information to the service management server according to the request, and in response, receives the message to be output to the image or bulletin board. The setting process may be performed by accessing a service management server through wired / wireless communication such as Internet and ARS without transmitting the remitter information and the payee information.

3 is a diagram illustrating a structure of a terminal platform of a communication terminal in which an application program for providing a remittance service according to an exemplary embodiment of the present invention is installed.

Referring to FIG. 3, the terminal platform includes a communication terminal hardware 301, a terminal basic software 303, a handset application layer 305, a run time engine 307, a basic API 309, and an API. Manager 311, application manager 313, extended API 315, and application 317. The terminal platform includes the functions of the existing terminal platform as it is, including GVM, SK-VM, KVM, MAP, BREW, and WIPI. In addition, the terminal further includes a function of connecting to a service management server using a WAP gateway. The terminal platform further transmits the remittance information to the service management server when the remitter information or the remitter information is input in the remittance service according to the present invention.

The communication terminal hardware 301 may include any portable mobile communication terminal or wired terminal such as a mobile phone, a PDA, a PDA phone, a smartphone, and the like. The terminal basic software 303 includes software for terminal basic operation, an LCD driver, a KPD driver, and a serial driver. The HAL 305 is an abstraction layer for maintaining hardware independence of the platform. The HAL 305 supports independence that upper layers can operate independently of the communication terminal hardware 301 and the terminal basic software 303 on the HAL 305.

The base API 309 is a collection of base APIs supported by the platform used by the application developer. The basic API 309 includes a C API and a Java API to provide convenience for program developers. The API manager 311 updates and adds the base API 309 and the extended API 315 of the platform. In addition, the API manager 311 provides a function for downloading the application manager 313. The application manager 313 performs overall management functions such as viewing, downloading, installing, executing, deleting, and managing security of the application 317. The extension API 315 is a collection of APIs that are candidates for standardization of the terminal platform, and provides a collection of APIs for providing various services.

The application program 317 is an application installed in a terminal on which the terminal platform is mounted and capable of operating regardless of the terminal environment or terminal basic software. The application program includes a remittance service according to an embodiment of the present invention.

A method of providing a service according to the present invention will be described with reference to the above configuration. First, the communication terminal is equipped with a terminal platform having the above configuration. The user of the terminal receives a remittance service according to the present invention from the service management server by using the application program manager 313 by key manipulation of the communication terminal. The money transfer service may be implemented in C language or Java language. The user may request a remittance by executing a remittance service, and may receive a remittance after receiving a certificate from a financial institution server. In addition, the user can cancel or change the remittance service according to the invention at any time before the recipient.

4 is a block diagram showing a service management server according to an embodiment of the present invention.

Referring to FIG. 4, the service management server may include a memory system 420, at least one central processing unit (CPU) 410, an input device 430, and a communication device coupled to the memory system 420 to perform high-speed operation. 440).

The central processing unit 410 includes an Arithmetic Logic Unit (ALU) 412 for performing calculations, a register 414 for temporary storage of data and instructions, and a controller 416 for controlling the operation of the service management server. . The central processing unit 410 includes Digital, Alpha, MIPS Technology, MIPS, such as NEC, IDT, Siemens, Intel and Cyrix, AMD and Nexgen. It could be a processor with a variety of architectures, such as the company's x86 and IBM's and Powerola's PowerPC.

The memory system 420 generally includes a high speed main memory 422, a floppy disk, a hard disk, a tape, a CD-ROM, a flash memory, or the like, which is a storage medium type such as random access memory (RAM) and read only memory (ROM). Auxiliary memory 424 in the form of a long-term storage medium and a device for storing data using electrical, magnetic, optical or other storage media. In addition, the main memory 422 may include a video display memory for outputting an image through the display device.

In addition, the input device 430 includes a keyboard, a mouse, and the like. The mouse may include, for example, a physical transducer such as a touch screen or a microphone. The communication device 440 includes a communication interface for performing communication with a communication company database, a communication terminal, and the like.

5 is a module configuration diagram of a service management server according to an embodiment of the present invention.

Referring to FIG. 5, the service management server includes a transmission / reception processing module 532 for processing wired and wireless communication with a communication company database and a communication terminal, and a remitter terminal management module 534 for managing a communication terminal requesting a service according to the present invention. A remittance processing module 536 for receiving a remitter information from a corresponding telecommunication company database and remitting the remitter information to a remitter terminal in order to authenticate the receiving information input from the remitter terminal. It may include a manage receiver terminal management module 538. Looking at the overall configuration of the service management server according to an embodiment of the present invention through such an application module as follows.

The service management server can use various operating systems (OS) as the OS of the system. The OS provides a high level command to an application program interface (API) 500 to control the operation of each application module 530.

The service management server includes a high level command processor 510 for identifying each corresponding application module 530 according to a high level command provided from the API 500, decoding the high level command, and providing the decoded high level command to a corresponding place. . The application module controller 520 controls the operation of the application module 530 according to the command provided from the high level command processor 510. That is, the high level command processing unit 510 identifies whether there is an application module 530 corresponding thereto according to the high level command provided through the API 500, and corresponds to the case where the corresponding application module 530 exists. The decoded command is recognized by the application module 530 and transmitted to the corresponding mapping unit. Here, the application module 530 includes a transmission / reception processing module 532, a remitter terminal management module 534, a remittance processing management module 536, and a remitter terminal management module 538. The application module controller 520 includes mapping units 521, 523, 525, and 527 and interface units 522, 524, 526, and 528 for each application module, respectively.

The transmission / reception processing module mapping unit 521 may receive a high-level command for performing wired / wireless communication with a communication company database or a communication terminal from the high-level command processing unit 510, and may process the transmission / reception processing module 532. Maps to device level commands and provides them to the transmit / receive processing module 532 via the transmit / receive processing module interface 522. In addition, the transmission and reception processing module 532 may include a physical transmission interface for transmitting and receiving data with the carrier database as needed. In this case, the physical transport interface includes a communication interface such as SS7 voice network interworking interface or TCP / IP network interworking interface.

The remitter terminal management module 534 manages a communication terminal that requests a service and stores service setting contents according to each communication terminal. That is, the remitter terminal management module mapping unit 523 receives a high level command for managing the communication terminal from the high level command processing unit 510, and is a device level command that can be recognized by the remitter terminal management module 534. Mapping is provided to the sender terminal management module 534 through the sender terminal management module interface unit 524.

The remittance processing module 536 is a part that performs a function of receiving remitter information from a corresponding telecommunication company database and remitting the remitter terminal to authenticate the receivable information input from the remitter terminal. That is, the remittance processing module mapping unit 525 is provided with a high level command for authenticating the recipient information received from the telecommunication company database from the high level command processing unit 510, and the device level that the remittance processing module 536 can recognize. Command, and provide it to the remittance processing module 536 through the remittance processing module interface 526.

The receiver terminal management module 538 manages communication terminals to be used for a service and stores service setting contents according to each communication terminal. That is, the receiver terminal management module mapping unit 527 receives a high level command for managing the communication terminal from the high level command processor 510, and is a device level command that can be recognized by the receiver terminal management module 538. And maps it to the receiver terminal management module 538 via the receiver terminal management module interface 528.

6 is a flowchart illustrating a remittance service procedure according to an exemplary embodiment of the present invention.

Referring to FIG. 6, a user of a remitter terminal desiring a remittance service according to the present invention requests a remittance service by accessing a service management server through an online environment or a wired / wireless communication network (step 601). At this time, the user of the remitter terminal inputs the remitter information according to the authentication method of the financial institution (step 603). The remitter terminal which inputs the remitter information receives the identity verification for the remitter from the financial institution server (step 605). If the authentication is successful, the sender enters the remittance information including the wired and wireless telephone number and the real name of the recipient (step 607). In this case, the wired / wireless telephone number and the real name of the remitter inputted by the remitter may be excluded from the collectable person when the subscriber information is confirmed and does not match through the wired / wireless communication company database. Then, when the receiver terminal receiving the remittance message passes the receiver process from the financial institution server, the financial institution server remits the funds to the account of the collector according to the request of the service management server (step 609). If the receiver terminal completes the transfer, the sender terminal receives a processing completion message from the receiver terminal (step 611). In addition, when the receiver terminal has completed the transfer, it may receive a processing completion message from the service management server.

7 is a flowchart illustrating a remittance service process according to an exemplary embodiment of the present invention.

Referring to FIG. 7, a user of a remitter terminal requests a remittance service for remittance to a collectee (step 701). The user of the remitter terminal receives the remitter information from the service management server and inputs the remitter information (step 703). If the remitter terminal succeeds in remitter authentication (step 705), the user of the remitter terminal inputs remittance information including the wired / wireless telephone number and the real name of the remitter (step 707). At this time, the wired / wireless telephone number and the real name of the money collector entered by the remitter authenticate the first money collector through subscriber information in the wired / wireless communication company database (step 709). If the first payee is not authenticated, the service management server notifies the sender terminal of the non-remittance and requests re-entry of the remittance information (step 711). After the first collector is authenticated, the sender terminal transmits the remittance message to the receiver terminal through the service management server (step 713). The recipient terminal receives the remittance information transmitted from the sender terminal in the form of a wired ARS guide or text message in the standby mode of the receiver terminal (step 715) (step 717). Thereafter, the user of the receiver terminal inputs collection information including a social security number, a bank account to be collected and a bank name (step 719). At this time, the service management server checks whether the bank account of the second collector entered by the collector and the account holder. In addition, the service management server receives the recipient information from the telecommunication company database on the resident registration number of the second collector and the name of the first collector specified by the sender, and authenticates the collector (step 721). At this time, if the second collector information is not authenticated from the financial institution server and the telecommunication company database, the service management server requests re-entry to the receiver terminal. If the second collector information is authenticated through the financial institution server and the telecommunications company database, the collector is remitted to the collector's account via the financial institution server and collected (step 723). At the point when the financial institution server completes the transfer process to the account of the collector, the receiver terminal receives the transfer completion message from the service management server (step 725). The recipient terminal receiving the remittance complete message transmits a processing completion message to the remitter terminal (step 727). The sender terminal determines whether the received message is a processing completion message to complete the remittance service, and if not, returns to step 707 (step 729).

8 is a signal flow diagram illustrating a procedure for providing a remittance service according to an exemplary embodiment of the present invention.

Referring to FIG. 8, the remitter terminal requests remittance service to the service management server by applying for remittance through the wired / wireless communication network (step 801). Here, the user of the remitter terminal may request a remittance service by accessing the service management server through the web. The service management server requests the sender information to the sender terminal in order to authenticate the user of the sender terminal (step 803). The sender terminal transmits the sender information to the service management server according to the authentication method of the financial institution (step 805). The financial institution server receives the sender information from the service management server (step 807), authenticates the sender through the identity verification procedure, and transmits the sender authentication information (step 809, step 811). If the financial management server does not authenticate the remitter, the service management server may transmit a re-input request message to the remitter terminal.

Thereafter, the remitter terminal receives the remittance information request to the service management server (step 813), and provides remittance information including the wired / wireless telephone number and the real name of the money collector (step 815). The service management server transmits the first collector information included in the remittance information provided from the sender terminal to the telecommunication company database to authenticate the wired / wireless communication subscription of the receiver (step 817), and transmits the first collector communication subscription information. Received (step 819). The service management server transmits the remittance message in a wired ARS guide or a text message to the receiver terminal (step 821). The collector terminal transmits the collection information including the social security number of the collector, the bank account to be collected and the bank name to the service management server (step 823). Thereafter, the financial institution server receives the second collector information from the service management server which has received the collection information (step 825), and authenticates the collector through the identity verification process (step 827). The financial institution server that authenticates the second payee sends the second payee authentication information to the service management server (step 829). If the financial institution server does not authenticate the second payee, the service management server may transmit a re-input request message to the sender terminal. In addition, the service management server transmits the second collector information provided by the receiver terminal to the telecommunication company database to authenticate the second collector information transmitted from the collector (step 831). The service management server receives the second receiver's communication subscription information from the carrier database to verify whether the same name is the same, and authenticates the second receiver (step 833). If the service management server does not authenticate the second payee, the service management server may transmit a re-input request message to the sender terminal. In addition, the service management server further includes a function of immediately remitting to a corresponding account through a financial institution server when the telephone bill payment method of the receiver terminal is a bank automatic transfer. The service management server, which has been authenticated to the second payee, requests remittance to the financial institution server (step 835). The financial institution server transfers the funds to the account of the collector (step 837), and then transmits the processing result to the service management server (step 839). The service management server receiving the processing result transmits the transfer completion message to the receiver terminal and terminates the transfer service (step 841). In addition, the service management server may transmit the processing completion message to the sender terminal after receiving the remittance processing result through the financial institution server.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

According to the present invention, it is possible to provide wired / wireless money transfer services that can be remitted using phone numbers and names of wired and wireless communication terminals.

According to the present invention, it is possible to manage the remitter information only in the financial institution server to provide a service that can reduce the risk of leakage of customer information.

According to the present invention, it is possible to provide a remittance terminal and a user of a receiver terminal in real time with a remittance service processing process using ARS or a text message of a wired or wireless telephone system.

Claims (8)

In the remittance service providing method performed by a service management server that combines at least one sender terminal, at least one payer terminal and the communication network, Receiving remittance information from the remitter terminal, wherein the remittance information comprises at least one of an identifier of the remitter terminal and a remitter name; Transmitting a remittance message generated based on the remittance information to the payee terminal; Receiving collection information in response to the remittance message from the payee terminal; and Remittance processing based on the collection information Remittance service providing method comprising a. The method of claim 1, Receiving a remittance request signal from the remitter terminal In response to the remittance request signal, transmitting a remitter information request signal to the remitter terminal Receiving remitter information in response to the remitter information request signal from the remitter terminal; Validating the remitter information Remittance service providing method further comprising. The method of claim 1, At least one of the remitter terminal and the receiver terminal is any one of a wired and wireless terminal and a personal computer (PC), and the communication network is any one of a wired and wireless communication network and the Internet. Remittance service providing method characterized in that. The method of claim 1, Validating the collection information Remittance service providing method further comprising. The method of claim 4, wherein The validity of the collection information is verified in conjunction with a financial institution server and a communication company database Remittance service providing method characterized in that. The method of claim 1, Transmitting a processing completion message corresponding to the remittance processing to the remitter terminal; Remittance service providing method further comprising. In the service management server that combines at least one sender terminal, at least one payer terminal through a communication network and provides a remittance service, Means for receiving remittance information from the remitter terminal, wherein the remittance information comprises at least one of an identifier of the remitter terminal and a remitter name; Means for transmitting a remittance message generated based on the remittance information to the payee terminal; Means for receiving collection information in response to the remittance message from the payee terminal; Means for remittance processing based on the collection information Service service management method comprising a. In the service management server that combines at least one sender terminal, at least one payer terminal through a communication network and provides a remittance service, Memory where the program is stored A processor coupled to the memory to execute the program; The processor by the program, Receiving remittance information from the remitter terminal, wherein the remittance information comprises at least one of an identifier of the remitter terminal and a remitter name; Transmitting a remittance message generated based on the remittance information to the payee terminal; Receiving collection information in response to the remittance message from the payee terminal; and Remittance processing based on the collection information Service management server, characterized in that for executing.

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