KR20060129825A - Method and system for sharing payment service by using mobile communication terminal - Google Patents

Abstract

A method and a system for dividing a settlement price with a mobile terminal are provided to transmit a transfer requesting short message for requesting the price dividing the settlement price according to a fixed dividing mode to payers and automatically transfer a divided price to a representative payer if the payer receiving the message approves transfer. The first mobile terminal(210) divides the settlement price and transmits the transfer requesting short message for the divided price to the payers after the representative payer pays the settlement price. The second mobile terminal(212) receives the transfer requesting short message and transfers the price corresponding to a transfer approval to the representative payer if the transfer approval for the divided price is received. A mobile communication company server(240) transfers a transfer requesting signal received from the first mobile and transfers a transfer approval signal if the payer of the second mobile terminal approves the transfer. An SMS(Short Message Service) server(260) receives the transfer request signal from the mobile communication company server and generates/transmits the transfer requesting short message.

Description

Method and System for Sharing Payment Service by Using Mobile Communication Terminal}

1 is a flowchart showing a card payment method using a conventional mobile communication terminal,

2 is a block diagram schematically illustrating a system for distributing payment amount using a mobile communication terminal according to a preferred embodiment of the present invention;

3 is a block diagram schematically illustrating an internal configuration of a mobile communication terminal providing a function of distributing payment amount according to an exemplary embodiment of the present invention;

4 is a flowchart illustrating a process of distributing a payment amount using a mobile communication terminal according to an exemplary embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

210: first mobile communication terminal 212: second mobile communication terminal

220: wireless access network 222: base station transmitter

224: base station controller 230: mobile communication switching center

240: mobile service provider server 250: SMSC

260: SMS server 270: Electronic banking system

272, 274 Bank 280 Private line

300: mobile communication terminal 302: program memory unit

304: key input unit 306: LCD display unit

308: Data storage unit 310: Subscriber information storage unit

312: microprocessor 314: digital signal processing unit

316: baseband converter 318: speaker

320: microphone 322: RF signal processing unit

324: RF antenna

The present invention relates to a method and system for distributing payment amount using a mobile communication terminal. More specifically, after the representative payer makes a payment with a mobile phone and divides it by the number of payers entered through the menu in the mobile phone, divides and distributes the amount by subtracting the cash amount from the payment amount by the number of payers entered and The transfer request text message is sent to the stake payer's mobile phone and the transfer request text message is requested, which is divided by the number of payers and distributed at an uneven rate. The present invention relates to a method and system for distributing a payment amount using a mobile terminal which automatically transfers a stake amount to a representative payer when the stake payer receives a transfer approval.

In today's complex economic society, payment methods for purchasing goods are becoming more diversified. For example, a user purchases and pays for a product using a prepaid or postpaid method such as cash, credit card, cash card, or transportation card. Therefore, a user possesses one or more credit cards issued by various financial companies, and has a transportation card which is a rechargeable payment card for purchasing and paying for goods or using a transportation method such as a bus or a subway.

In addition, a credit card, electronic money, etc. are used as a method of purchasing goods and contents and paying the same through the Internet.

The user has a variety of payment means described above in case of need, so it is very inconvenient to manage them. This may cause the payment method to be lost, resulting in economic loss due to exposure of personal credit information.

Therefore, various payment systems are provided to provide a more convenient product purchase and payment environment for users using credit cards, electronic money, and the like. Related technologies include a payment device using a mobile communication network, an electronic payment method using a mobile phone, and the like.

1 is a flowchart illustrating a card payment method using a conventional mobile communication terminal.

Referring to FIG. 1, in a mobile communication terminal including a card selection button and a confirmation button, a card number and a password are registered in the mobile communication terminal (S110), and the user selects a card type selection screen when the user presses the card selection button. Providing a step of receiving a selection of a card type (S120), providing a screen for inputting a password when a card type is selected, receiving a password from a user (S130), downloading a payment, inquiry and receipt data from a user, and the like. Receiving a work selection from the same work menu step (S140), the step of receiving a merchant number corresponding to the business from the user (S150), the step of receiving a payment amount to be paid by the business from the user (S160), the number of installments from the user Receiving the step (S170), and determines whether the payment processing (S180), when the user presses the confirmation button in this state directly to the credit card company In step S190 and receiving a payment approval accordingly, if the user does not want to approve payment in step S180, the card selection button is pressed, and the procedure is performed again in step S120.

However, when several people eat or have a meal, one person has to calculate and divide the amount by the number of people, and the person has to collect the money and calculate and then change the change back. Hassle may occur.

In order to solve the above problems, the present invention divides and distributes the number of payers entered through the menu in the mobile phone after the representative payer pays the mobile phone, and the number of payers input the amount minus the cash calculation amount. According to the distribution method, including the method of distributing by dividing and dividing by the number of payers entered, and distributing it at an uneven rate, the transfer request text message requesting the stake payer's mobile phone is requested. It is an object of the present invention to provide a method and system for distributing a payment amount using a mobile communication terminal which automatically transfers a stake amount to a representative payer when the stake payer receives a transfer request text message.

Accordingly, according to the first object of the present invention, the payment is made by using a mobile communication terminal that transfers a stake amount in which a payment amount for goods or services jointly purchased by a plurality of payers including a representative payer and an equity payer is transferred. In the system for distributing the amount of money, after the payment amount is set by the representative payer, the payment amount is distributed according to a distribution method, and a transfer request short message requesting the stake payer to distribute the paid amount of money. A first mobile communication terminal; A second mobile communication terminal which receives the transfer request short message sent by the first mobile communication terminal and transmits the stake amount corresponding to the transfer approval to the representative payer when the transfer request is approved for the stake amount; A mobile communication service provider server transferring a transfer request signal received from the first mobile communication terminal and transmitting a transfer approval signal when the share payer of the second mobile communication terminal approves the transfer; An SMS server for receiving the transfer request signal from the mobile communication service provider server and generating and transmitting the transfer request short message; An electronic banking system for receiving the transfer approval signal from the mobile communication service provider server and transmitting a stake amount corresponding to the transfer approval to the representative payer of the first mobile communication terminal; A Short Message Service Center (SMSC) for receiving and transferring the transfer request short message from the SMS server; A wireless access network serving as a relay so that the first mobile communication terminal and the second mobile communication terminal can connect with the mobile communication service provider server; And a mobile communication switching center receiving the transfer request short message from the SMSC and relaying the transfer request short message between the SMSC and the wireless access network.

According to a second object of the present invention, a mobile communication terminal for distributing a payment amount for goods or services by using a payment program and a distribution program, the payment program for providing a financial service including payment, account transfer, distribution A program memory section for storing a distribution program for selecting a method and distributing the payment amount for the article or the service according to the distribution method; A key input unit having a key button including a button for selecting a selection menu of the financial service and a button for distributing the payment amount according to the distribution method; An LCD display unit for distributing the payment amount according to the distribution method and for performing the financial service; And a microcomputer controlling the process of distributing the payment amount according to the distribution method using the distribution program after the payment is made using the payment program, and sending a transfer request short message requesting approval of transfer of the distributed equity amount. It characterized in that it comprises a processor.

According to a third object of the present invention, there is provided a first mobile terminal, a second mobile terminal, a mobile operator server, an electronic banking system, an SMS server, a Short Message Service Center (SMSC) having a bank selection button and a confirmation button, In a method of distributing payment for goods or services using a mobile communication system including a mobile communication exchange station, (a) if received from a representative payer through the bank selection button using the first mobile terminal; Providing a bank selection screen and displaying a bank service screen selected by the representative payer; (b) the first mobile communication terminal providing a screen for receiving a password, and receiving the password from the representative payer; (c) the first mobile communication terminal providing a selection menu screen including payment, inquiry and receipt data download, and receiving a selection of a desired task from a selection menu from the representative biller; (d) receiving the payment amount to be paid from the representative payer; (e) providing, by the first mobile communication terminal, a screen for confirming whether or not the input payment amount is approved for payment, and determining whether the payment is approved from the representative payer; (f) in the step (e), when the representative payer approves the payment, directly connecting to the bank and requesting the payment approval, thereby receiving the payment approval or payment disapproval; (g) the first mobile communication terminal providing a screen for selecting a distribution method and receiving the distribution method from a representative payer; (h) distributing the payment amount according to the selected distribution method; (i) the first mobile communication terminal transmitting a transfer request short message to the second mobile communication terminal; And (j) the second mobile communication terminal receiving the transfer request short message and paying the stake amount corresponding to the transfer approval by the transfer approval of the stake payer.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

2 is a block diagram schematically illustrating a system for distributing payment amount using a mobile communication terminal according to a preferred embodiment of the present invention.

A system 200 for distributing payment amount using a mobile communication terminal according to a preferred embodiment of the present invention includes a first mobile communication terminal 210, a second mobile communication terminal 212, and a radio access network (RAN). 220, a mobile switching center (MSC) 230, a mobile operator server 240, a short message service center (SMSC) 250, SMS server 260, electronic banking system 270 composed of a plurality of banks (272, 274) and leased line 280.

In the following process, for convenience of description, the first mobile communication terminal 210 performing the transfer request function and the second mobile communication terminal 212 performing the transfer approval function are divided into two. 2 The mobile communication terminal 212 may include a personal digital assistant (PDA), a cellular phone, a personal communication service (PCS) phone, a hand-held PC, a global system for mobile (GSM) phone, and a wideband W-CDMA. Common mobile communication terminals 210 and 212, such as CDMA) phones, CDMA-2000 phones, and Mobile Broadband System (MBS) phones, are referred to.

Herein, the first mobile communication terminal 210 pays through the menu of the first mobile communication terminal 210 after the representative payer pays the payment for the goods or services using the first mobile communication terminal 210. Distribute the amount by dividing the amount by the number of payers entered, divide the amount by subtracting the cash amount from the settlement amount, and divide the amount by the number of payers, and divide the amount by the number of payers. According to the distribution method including the method, the transfer request short message requesting the share amount of the payment amount is distributed to the second mobile communication terminal 212. In addition, when the transfer approval is completed, the transfer approval result including the transfer date and the transfer amount is displayed in text.

When the second mobile communication terminal 212 receives the transfer request short message sent by the first mobile communication terminal 210 and then grants the transfer, the second mobile communication terminal 212 transmits the stake amount corresponding to the transfer approval to the representative payer. The results of the transfer approval, including the date of transfer and the amount of transfer, shall be displayed in text. Here, the security for the transfer approval uses a method including a passbook password input or fingerprint recognition.

The mobile service provider server 240 transmits the transfer request signal received from the first mobile communication terminal 210 to the SMS server 260, and the transfer is approved when the stake payer of the second mobile communication terminal 212 approves the transfer. The signal is transmitted to the electronic banking system 270.

The electronic banking system 270 is a system for supporting various remote financial services, such as payment, bank transfer, home banking, electronic commerce, and the like, and includes a plurality of banks 282 and 284, credit card companies (not shown), A second financial institution (not shown) is a comprehensive financial network connected by a network. The electronic banking system 270 according to the preferred embodiment of the present invention sets the stake amount corresponding to the transfer approval in accordance with the transfer approval signal received from the mobile telecommunication service provider server 240, as the representative payer of the first mobile communication terminal 210. Send to.

The SMS server 260 receives a transfer request signal from the mobile service provider server 240, generates a transfer request short message, and transmits it to the SMSC 250. The transfer request short message is simply a user's mobile communication terminal 210 or 212. The message may be a message for obtaining a unique American Standard Code for Information Interchange (ASCII) value of a character to be inputted into a letter), or may be a message for accessing a specific wireless web page according to a guide message to obtain data input by a user.

The SMSC 250 receives the transfer request short message from the SMS server 260 and transmits it to the mobile communication switching center 230.

The mobile communication switching center 230 performs basic and additional service processing, incoming and outgoing call processing of a subscriber, location registration procedure and handoff procedure, and interworking with other networks. The mobile switching center 230 of the IS-95 A / B / C system includes an access switching subsystem (ASS) that performs distributed call processing, an interconnection network subsystem (INS) that performs centralized call processing, operation and Subsystems include a Central Control Subsystem (CCS) in charge of centralization of maintenance, and a Location Registration Subsystem (LRS) that performs storage and management of information on mobile subscribers. In addition, the mobile communication switching center 230 relays a transfer request short message between the SMSC 250 and the wireless access network 220.

The wireless access network 220 serves as a relay so that the mobile communication terminals 210 and 212 can connect with the mobile communication service provider server 240 and perform handoff and wireless support management functions. The radio access network 220 includes a base station transmitter 222 and a base station controller 224 and supports both synchronous and asynchronous. Here, in the case of synchronous, the base station transmitter 222 will be a base transceiver station (BTS), the base station controller 224 will be a base station controller (BSC), and in case of asynchronous, the base station transmitter 222 is a radio transceiver subsystem (RTS). The base station controller 224 may be a Radio Network Controller (RNC). Of course, the wireless access network 220 according to the embodiment of the present invention is not limited thereto, and is a concept including a GSM network, not a CDMA network, and an access network of a fourth generation mobile communication system to be implemented in the future.

The base station transmitter 222 receives the transfer request signal from the first mobile communication terminal 210 through the traffic channel of the signal channel, and transmits the received transfer request signal to the base station controller 224. In addition, the base station transmitter 222 is a network endpoint device that is directly connected to the mobile communication terminals 210 and 212 by performing baseband signal processing, wired and wireless conversion, and transmission and reception of wireless signals.

The base station controller 224 controls the base station transmitter 222, and assigns and releases radio channels for the mobile communication terminals 210 and 212, and controls the transmission output of the mobile communication terminals 210 and 212 and the base station transmitter 222, Soft handoff and hard handoff determination, transcoding and vocoding, global positioning system (GPS) clock distribution, and operation and maintenance functions for base stations. Perform.

3 is a block diagram schematically illustrating an internal configuration of a mobile communication terminal that provides a function of distributing a payment amount according to an exemplary embodiment of the present invention.

The mobile communication terminal 300 according to the present invention includes a program memory unit 302, a key input unit 304, a liquid crystal display (LCD) display unit 306, a data storage unit 308, and a subscriber information storage unit (SIM). Identity Module (310), Microprocessor (312), Digital Signal Processor (DSP: Digital Signal Processor) (314), Baseband (Baseband) Converter 316, RF Signal Processor 322, Speaker ( 318, microphone 320, RF antenna 324, and the like.

In the program memory unit 302, a payment program for providing a financial service including payment, account transfer, etc., a method of distributing by dividing by the number of payers entered through a menu in a mobile phone, and a payment amount minus cash calculation amount. A distribution program is stored according to a distribution method including a method of dividing by the number of payers and a method of dividing by the number of payers and distributing them at an uneven ratio.

The key input unit 304 includes a plurality of key buttons, such as a button for inputting various data such as numbers and letters, a button for selecting a menu including a payment, a wire transfer, and the like, and a button for distributing a payment amount according to a distribution method. It is provided.

The LCD display unit 306 displays the operation state of the mobile communication terminal 300 including the state of use of the battery, the reception strength of radio waves, the date, the time, and the like. In addition, the LCD display unit 306 displays a process of distributing a payment amount according to a distribution method, and a process of performing a function such as payment, account transfer.

The data storage unit 308 functions as a data buffer when the operation program of the mobile communication terminal 300 is executed, and temporarily stores data such as numbers or letters input by the key input unit 304. .

The subscriber information storage unit 310 stores a mobile identification number (MIN), an electronic serial number (ESN), a personal security key, and various data necessary for the operation of the mobile communication terminal 300. have. The subscriber information storage unit 314 is inserted into a slot in the mobile communication terminal 300 in the form of a card, and performs an interface function between the mobile communication terminal 300 and the voice packet network.

The microprocessor 312 receives a payment amount by using the key input unit 304 from the representative payer, makes a payment using the payment program stored in the input program memory unit 302, and then stores the payment amount in the program memory unit 302. Using the distribution program, the payment amount is distributed according to the payment method, and the transfer request short message requesting the approval of the transfer of the distributed equity amount is controlled.

The digital signal processor 314 encodes or decodes a voice packet and a data packet, functions as an equalizer to remove multipath noise, and performs a digital signal processing function. Processing processor.

The baseband converter 316 converts a signal transmitted and received between the RF signal processor 322 and the digital signal processor 314, the speaker 318, and the microphone 320 into a signal of a baseband band, and converts a digital-analog signal. (DAC: Digital to Analog Conversion) and Analog to Digital Conversion (ADC). In addition, the baseband converter 316 transmits the transmission data (TXIQ) to the RF signal processor 322, and controls the power (POWER) of the RF signal processor 322 or automatically controls its gain (AGC). . The RF signal processor 322 receives the received signal RXIQ.

The RF signal processor 322 demodulates and amplifies the RF signal received from the RF antenna 324, modulates a transmission signal applied from the baseband converter 316, and transmits the modulated signal to a propagation space.

The speaker 318 outputs acoustic data transmitted from the baseband converter 316 as an audible sound, and the microphone 320 converts a user's voice input into an electrical signal.

4 is a flowchart illustrating a process of distributing a payment amount using a mobile communication terminal having a bank selection button and a confirmation button according to an exemplary embodiment of the present invention.

Referring to FIG. 4, a first mobile communication terminal 210, a second mobile communication terminal 212, a mobile communication service provider server 240, an electronic banking system 270, and an SMS server having a bank selection button and a confirmation button are provided. 260, a short message service center (SMS) 250, and a method of distributing payments for goods or services using a mobile communication system 200 including a mobile communication switching center 230, the representative payer When the first mobile communication terminal 210 receives an input through a bank selection button from the first mobile communication terminal 210, the first mobile communication terminal 210 provides a bank selection screen and displays a bank service screen selected by the representative payer (S402).

Subsequently, the first mobile communication terminal 210 provides a screen for receiving a password and receives a password from a representative biller (S404).

In addition, the first mobile communication terminal 210 provides a selection menu screen including payment, inquiry and receipt data download, and receives a selection of a desired task from a selection menu from a representative biller (S406).

Receive a payment amount to be paid in the establishment from the representative payer (S408). For example, here, the payment amount is to enter the total meal 50,000 won if five people had a lunch of 10,000 won per person.

The first mobile communication terminal 210 provides a screen for confirming whether the payment of the input payment is approved or not, and determines whether the payment of the representative payer is approved (S410). 1 When the confirmation button provided in the mobile communication terminal 210 is pressed, the bank directly connects to the bank and requests a payment approval, thereby receiving a payment approval or payment disapproval (S412). In this case, the payment approval is transmitted from the electronic banking system 270 in which the first mobile communication terminal 210 transmits a payment request signal to the electronic banking system 270 through the mobile communication service provider server 240 and receives the payment request signal. Approve or disapprove the payment. If the representative payer does not approve the payment in step S410, the bank select button provided in the first mobile communication terminal 210 is pressed, and the procedure is performed again in step S402.

The first mobile communication terminal 210 divides and divides the number of payers entered, divides and divides the amount by subtracting the amount of cash from the settlement amount by the number of payers entered and divides the number of payers. A selection menu screen for selecting a distribution method including a method for distributing at an uneven ratio is provided, and a representative biller selects a distribution method from the selection menu (S414).

The first mobile communication terminal 210 distributes the payment amount according to the distribution method selected in step S414 (S416).

The first mobile communication terminal 210 transmits a transfer request signal to the mobile communication service provider server 240, and the mobile communication service provider server 240 transmits a transfer request signal to the SMS server 260 and receives a transfer request signal. One SMS server 260 generates a transfer request short message, sends a transfer request short message to the SMSC 250, SMSC 250 transmits the received transfer request short message to the mobile switching center 230, The mobile communication switching center 230 transmits a transfer request short message to the second mobile communication terminal 212 (S418). Here, the transfer request short message includes transfer information necessary for the stake payer of the second mobile communication terminal to approve the transfer.

The second mobile communication terminal 212 receives the transfer request short message, and pays the stake amount corresponding to the transfer approval by the transfer approval of the stake payer (S420).

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, the representative payer sends a transfer request short message to the stake payer's mobile phone requesting a stake amount in which the total amount is divided by the number of payers input through the menu in the mobile phone after payment is made to the mobile phone, If the stake payer who receives the transfer request short message approves the transfer, the stake amount is automatically transferred to the representative payer, thereby reducing the need to recalculate the amount of change or collectively calculated amount.

Claims (10)

In the system for distributing the payment amount by using a mobile communication terminal that transfers the amount of the equity that the payment amount for the goods or services jointly purchased by a plurality of payers including the representative payer and equity payer, A first mobile communication terminal which transmits a transfer request short message requesting the stake payer to the stake payer after the settlement amount is settled by the representative payer and distributed according to a distribution method; A second mobile communication terminal which receives the transfer request short message sent by the first mobile communication terminal and transmits the stake amount corresponding to the transfer approval to the representative payer when the transfer request is approved for the stake amount; A mobile communication service provider server transferring a transfer request signal received from the first mobile communication terminal and transmitting a transfer approval signal when the share payer of the second mobile communication terminal approves the transfer; An SMS server for receiving the transfer request signal from the mobile communication service provider server and generating and transmitting the transfer request short message; An electronic banking system for receiving the transfer approval signal from the mobile communication service provider server and transmitting a stake amount corresponding to the transfer approval to the representative payer of the first mobile communication terminal; A Short Message Service Center (SMSC) for receiving and transferring the transfer request short message from the SMS server; A wireless access network serving as a relay so that the first mobile communication terminal and the second mobile communication terminal can connect with the mobile communication service provider server; And A mobile communication switching center receiving the transfer request short message from the SMSC and relaying the transfer request short message between the SMSC and the radio access network. System for distributing the payment amount using a mobile communication terminal comprising a. The method of claim 1, When the first and second mobile communication terminals complete the transfer approval, the first mobile communication terminal and the second mobile communication terminal distribute the payment amount using the mobile communication terminal, characterized in that the transfer approval result including the transfer date and the transfer amount is displayed in text. system. The method of claim 1, The distributing method may be performed by dividing the settlement amount by dividing the number of payers, dividing the amount by subtracting the cash amount from the settlement amount by the number of payers, and dividing the settlement amount by the number of payers. A system for distributing payments using a mobile communication terminal, the method comprising distributing but distributing at an uneven rate. The method of claim 1, The security for the transfer approval system for distributing the payment amount using a mobile communication terminal, characterized in that using a method including a passbook password input or fingerprint recognition. In the mobile communication terminal for distributing the payment amount for goods or services using a payment program and a distribution program, A program memory unit which selects the payment program for providing financial services including payment and transfer, and a distribution method, and stores the distribution program for distributing the payment amount for the goods or the service according to the distribution method ; A key input unit having a key button including a button for selecting a selection menu of the financial service and a button for distributing the payment amount according to the distribution method; An LCD display unit for distributing the payment amount according to the distribution method and for performing the financial service; And A microprocessor for controlling a process of distributing the payment amount using the distribution program according to the distribution method and sending a transfer request short message requesting approval of transfer of the distributed equity amount using the distribution program after payment using the payment program A mobile communication terminal for distributing a payment amount using a payment program and a distribution program comprising a. A mobile communication system including a first mobile terminal, a second mobile terminal, a mobile operator server, an electronic banking system, an SMS server, a short message service center (SMSC), and a mobile switching center having a bank selection button and a confirmation button. In the method for distributing payment amount for goods or services using (a) providing a bank selection screen upon receiving the input from the representative payer through the bank selection button using the first mobile terminal, and displaying a bank service screen selected by the representative payer; (b) the first mobile communication terminal providing a screen for receiving a password, and receiving the password from the representative payer; (c) the first mobile communication terminal providing a selection menu screen including payment, inquiry and receipt data download, and receiving a selection of a desired task from a selection menu from the representative biller; (d) receiving the payment amount to be paid from the representative payer; (e) providing, by the first mobile communication terminal, a screen for confirming whether or not the input payment amount is approved for payment, and determining whether the payment is approved from the representative payer; (f) in the step (e), when the representative payer approves the payment, directly connecting to the bank and requesting the payment approval, thereby receiving the payment approval or payment disapproval; (g) the first mobile communication terminal providing a screen for selecting a distribution method and receiving the distribution method from a representative payer; (h) distributing the payment amount according to the selected distribution method; (i) the first mobile communication terminal transmitting a transfer request short message to the second mobile communication terminal; And (j) the second mobile communication terminal receiving the transfer request short message and paying the stake amount corresponding to the transfer approval by the transfer approval of the stake payer; Method of distributing a payment amount using a mobile communication terminal comprising a. The method of claim 6, In the payment approval of the step (f), the first mobile communication terminal transmits a payment request signal to the electronic banking system through the mobile communication service provider server, and receives the payment request signal from the electronic banking system. A method of distributing payment amount using a mobile communication terminal characterized in that the approval or disapproval of payment. The method of claim 6, The distributing method of the step (g) is divided into the number of payers entered, the method of distributing the amount by subtracting the cash amount from the payment amount divided by the number of payers and the number of payers entered A method of distributing payments using a mobile communication terminal, the method comprising: dividing and distributing them in equal proportions. The method of claim 6, In step (i), the first mobile communication terminal transmits a transfer request signal to the mobile communication service provider server, and the mobile communication service provider server transmits the transfer request signal to the SMS server, and receives the transfer request signal. The SMS server generates the transfer request short message, transmits the transfer request short message to the SMSC, and the SMSC transmits the received transfer request short message to the mobile communication switching center. And distributing the payment amount using the mobile communication terminal, wherein the transfer request short message is transmitted to the second mobile communication terminal. The method of claim 6, And the transfer request short message includes transfer information necessary for the stake payer of the second mobile communication terminal to approve the transfer.

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