KR20110012072A - System and method for remitting electronic money, and apparatus applied to the same - Google Patents

Abstract

PURPOSE: A system and a method for remitting electronic money, and a device applied to the same are provided to transceive electronic money among preset electronic money transaction target people, thereby minimizing electronic money from being illegally being remitted. CONSTITUTION: The first user terminal unit(100) sets electronic remittance money on electronic money information. The first user terminal unit remits sends remittance money to an electronic money remittance target. The second user terminal unit(200) receives electronic money remittance information including the electronic remittance money. An electronic money service providing unit(300) updates detailed electronic money information based on electronic money remittance processing information.

Description

Electronic money transfer system and method, and apparatus applied thereto {SYSTEM AND METHOD FOR REMITTING ELECTRONIC MONEY, AND APPARATUS APPLIED TO THE SAME}

The present invention relates to an electronic money transfer system and method, and an apparatus applied thereto, and more particularly, to an electronic money transfer system and method for transferring electronic money between peer electronic device terminals in a peer-to-peer manner, and It relates to a device to be applied.

In general, as a way to solve the inconvenience and risk of carrying cash money and to achieve a more convenient financial settlement function, in the past, a certain amount is set based on credit information about the user, and within the limit of the set amount. The credit card payment method, which is operated as a prepaid post payment method, is used.

On the other hand, in recent years, a limited method of virtually making payments by using only the credit card user's credit information contained in the credit card's magnetic record surface or information recording chip has been eliminated, and the value of the electronic money is converted into electronic money. Electronic money amount recharge cards that can be stored and used directly in the information recording area of the card have been developed and commercialized.

Such electronic money amount charging card is typically applied as a smart card equipped with a semiconductor chip having a memory means and a central processing processor, and used as a semiconductor to enable user terminal devices such as mobile communication terminal devices. By significantly reducing the size of chips and cards, smart cards are implemented as plug-in types.

Electronic money charging for the smart card that can be mounted on such a portable device is connected to the smart card charger directly to the electronic money charger in the offline mode to receive a certain amount of charge, or through a mobile communication network or the Internet through a mobile communication terminal. A certain amount of money is to be charged through a computer terminal device provided with a device or a network adapter.

On the other hand, smart cards filled with electronic money is mainly used for the payment of transportation charges of means of transportation in the offline environment, the purchase of goods on vending machines or the micro payment of toll road tolls.

In the conventional method of transferring electronic money, when a user for electronic money transfer requests an electronic money transfer by executing an electronic money transfer application, a deposit processing script is generated on the server and the relevant database is accessed to transfer the money transfer application amount. IC card by reducing the user's electronic money account to transfer money, increasing the user's electronic money account to receive electronic money, and receiving renewal information through a terminal connected to the user's IC card to receive electronic money. It consists of a structure for updating the balance of.

In this conventional method, since the electronic money is remitted at the server side, there is a problem that the electronic money can be illegally remitted.

A countermeasure is required to avoid this problem.

Accordingly, the present invention has been made to solve the above problems, and an object of the present invention is to provide an electronic money transfer system and method for transmitting electronic money in a peer-to-peer manner between electronic money terminal devices, and To provide a device.

In addition, another object of the present invention is not only to transfer electronic money between the electronic money terminal devices in a peer-to-peer manner, the electronic money transfer system capable of transmitting and receiving the electronic money transfer only between the predetermined electronic money transaction targets. And a method and an apparatus applied thereto.

The electronic money transfer system according to the first aspect of the present invention for achieving the above object, by setting the electronic money transfer amount based on the electronic money information that is stored in advance after specifying the electronic money transfer target short-range wireless communication to the electronic money transfer target A first user terminal unit for transmitting money through a second user terminal, a second user terminal unit for receiving electronic money transfer information including the electronic money transfer amount via a short-range wireless communication connection with the first user terminal unit, and the first user After the electronic money transfer processing information is received from the terminal unit or the second user terminal unit when the preset period or the limit of the electronic money transfer processing is reached, the electronic device of the first user terminal unit is configured based on the electronic money transfer processing information. Update on money history information and update on electronic money history information of the second user terminal. And an electronic money service providing unit for executing the data.

Preferably, the first user terminal unit executes short-range wireless communication with the second user terminal unit while discriminating whether the electronic money service with the second user terminal unit is possible, and the second user terminal unit transfers the electronic money. The electronic money transfer target may be designated as a target or after pre-storing the transaction target list information for the electronic money service through the transaction target list information.

In addition, the electronic money service providing server device in the electronic money transfer system according to the second aspect of the present invention for achieving the above object, a communication unit for communicating with at least one user terminal using the electronic money service, the at least one History information storage unit for storing the electronic money history information formed by the use of the electronic money service of the user terminal device, wherein the first user terminal device is located near the second user terminal device of the at least one user terminal device; Receive electronic money remittance processing information from the first user terminal device or the second user terminal device after receiving electronic money remittance processing through wireless communication and when the predetermined period or limit of electronic money remittance processing is reached. Electronic money of the first user terminal unit through the information And a history information updater configured to update the history information and update the electronic money history information of the second user terminal device.

Preferably, the electronic money service providing server device in the electronic money transfer system, in response to the electronic money charging request of the first user terminal unit to transmit the electronic money information corresponding to the charge request amount to the first user terminal unit; Characterized in that it further comprises an electronic money charging unit.

Preferably, the electronic money service providing server device in the electronic money transfer system, the first user terminal device and the electronic money service in response to a request of the first user terminal device which is any one of the at least one user terminal device. Set the transaction target list information that is the target of mutual trading based on the and further comprises a transaction target list setting unit for transmitting the transaction target list information to the first user terminal device through the communication unit.

Preferably, the transaction target list setting unit to form the transaction target list information including at least one or more of the user information and the terminal information of the other party that can trade through the first user terminal device and the electronic money service. It features.

Preferably, the transaction target list setting unit includes at least one or more of the counterpart's user information and terminal information when the first user terminal device adds a target that can be transacted with each other based on the electronic money service. And reforming the transaction target list information.

Preferably, when the limit of the electronic money transfer is reached, the amount of electronic money included in the electronic money information stored in the first user terminal device is equal to or less than a predetermined amount, or the first user terminal device or the second user. And a capacity for storing the electronic money transfer processing information in the terminal device is greater than or equal to a preset storage capacity.

In addition, the user terminal device in the electronic money transfer system according to the third aspect of the present invention for achieving the above object, the storage unit for storing electronic money information including electronic money amount information available in the electronic money service, A remittance setting unit for setting a remittance to the electronic money remittance target by setting an electronic money remittance amount based on the electronic money information after specifying an electronic money remittance target, and a short range wireless communication for short-range wireless communication with a terminal device of the electronic money remittance target. And a remittance transmitter for transmitting the electronic money remittance amount through a communication unit and the short-range wireless communication.

Preferably, the remittance setting unit performs a short-range wireless communication with the terminal device of the electronic money transfer, and discriminates the availability of the electronic money service with the terminal device of the electronic money transfer target according to the result formed. The electronic money remittance target may be designated or the electronic money remittance target may be designated through the transaction target list information after pre-store the transaction target list information for the electronic money service.

Preferably, the user terminal device in the electronic money transfer system further comprises a server connection communication unit for receiving the transaction target list information formed by setting a target that can be transacted with each other based on the electronic money service. It is characterized by.

Preferably, the user terminal device in the electronic money transfer system forms the electronic money transfer processing information for the electronic money transfer amount and stores it in the storage unit and limits the preset period or electronic money transfer process according to the transfer of the electronic money transfer amount. Receiving further comprises a remittance processing information transmitting unit for transmitting and processing through the server connection communication unit when arriving.

Preferably, the user terminal device in the electronic money transfer system is at least one or more of the user information and the terminal information of the counterpart transmitted from the terminal device of the electronic money transfer target through the short-range wireless communication of the transaction target list information The apparatus may further include a remittance determination unit configured to determine whether the electronic money transfer object matches information corresponding to the electronic money transfer object and determine whether to transfer the electronic money transfer amount according to the determination result.

Preferably, the storage unit is characterized in that implemented by a smart card.

In addition, the electronic money transfer method according to the fourth aspect of the present invention for achieving the above object, the first user terminal device while performing the short-range wireless communication with the second user terminal unit electronic money with the second user terminal unit; After determining whether the service is available, the second user terminal is designated as the electronic money remittance target, or after storing the transaction target list information for the electronic money service, the electronic money remittance target through the transaction target list information. A remittance target specifying step of specifying a remittance target, a remittance setting step for setting an electronic money remittance amount based on previously stored electronic money information including electronic money amount information available in the electronic money service, and the electronic money through the short range wireless communication; Remittance transfer step for transferring the remittance amount to the second user terminal device Characterized in that it comprises a.

Preferably, in the electronic money transfer method, when the first user terminal device pre-stores the transaction target list information, at least one of user information and terminal information of the other party through the short range wireless communication from the second user terminal device. Receiving one or more receiving the information of the transaction target list information and determine whether or not match with the information corresponding to the electronic money transfer target and further comprising the step of determining whether to transfer the electronic money transfer amount based on the determination result It is characterized by.

Preferably, in the electronic money transfer method, at least one or more of the first user terminal device and the second user terminal device forms and stores electronic money transfer processing information thereof according to transmission and reception of the electronic money transfer amount. Remittance processing information transfer step for delivering the electronic money transfer processing information to the electronic money service providing server when a predetermined period or the limit of the electronic money transfer processing is reached.

Preferably, in the electronic money transfer method, when the first user terminal device pre-stores the transaction target list information, the electronic money transfer object may be connected to the electronic money service providing server to make a mutual transaction based on the electronic money service. The method may further include adding a transaction target for reforming the transaction target list information according to providing at least one of user information and terminal information.

Preferably, the electronic money transfer method further comprises a message output step of outputting a guide message for the electronic money transfer is impossible to at least one of the first user terminal device and the second user terminal device when the transfer is impossible. It is characterized by.

Preferably, the electronic money transfer method further comprises a short-range wireless communication blocking step of blocking the connection through the short-range wireless communication between the first user terminal device and the second user terminal device when the transfer is impossible. Characterized in that.

Accordingly, in the present invention, electronic money is illegally transmitted by allowing electronic money to be transmitted and received only between a predetermined electronic money transaction target person as well as remitting electronic money between electronic money terminal devices in a peer-to-peer manner. There is an advantage of minimizing the potential for it.

Hereinafter, a preferred embodiment of the electronic money transfer system according to the present invention with reference to the accompanying drawings in more detail.

1 is a block diagram of an electronic money transfer system according to an embodiment of the present invention. As shown by way of example only in FIG. 1, the electronic money transfer system is based on electronic money information including electronic money amount information available in an electronic money service (eg, a service for making online payments, sending money, etc.). To set the electronic money transfer amount and perform short-range wireless communication with the first user terminal 100 and the first user terminal 100 for remittance in a peer-to-peer manner through short-range wireless communication to the electronic money transfer target. Accordingly, the second user terminal unit 200 for receiving electronic money transfer information including the electronic money transfer amount transferred from the first user terminal unit 100, and the first user terminal unit 100 or the second user terminal unit. Electronic money transfer destination formed in each terminal unit due to the remittance processing for the electronic money as described above when the predetermined period or the limit of electronic money transfer processing from 200 is reached After receiving the information, on the basis of the received electronic money transfer processing information, as well as updating the history information for the electronic money account for the first user terminal unit 100 as well as for the second user terminal unit 200 It includes an electronic money service provider 300 for updating the history information for the electronic money account.

Here, the first user terminal unit 100 performs short-range wireless communication with the second user terminal unit 200 and discriminates whether the electronic money service with the second user terminal unit 200 is possible, and then the second user terminal unit ( 200 may be designated as the electronic money transfer target or the electronic money transfer target may be designated through the transaction target list information after pre-store the transaction target list information for the electronic money service. Hereinafter, the first user terminal 100 will be described in detail with reference to the designation of the electronic money transfer target through the transaction target list information.

In addition, the electronic money service providing unit 300 is not concerned with the electronic money transfer processing executed offline between the first user terminal unit 100 and the second user terminal unit 200, the first user terminal unit It supports the 100 to designate the target of the transaction through the electronic money service, including the electronic money transfer service to form the transaction target list information and provide it to the first user terminal 100.

In addition, the electronic money service provider 300 details the electronic money transaction (ie, electronic money transfer related to the electronic money transfer) for the first user terminal 100 and the second user terminal 200. As the information is integrated and managed, it also forms the data for the overall operation of the electronic money service.

More specifically, the electronic money service providing unit 300 may include a communication unit 310 and a first communication terminal for communicating with the first user terminal 100 and the second user terminal 200 through a network (eg, a mobile communication network). In response to a request for setting a transaction target for using the electronic money service of the user terminal 100, a transaction target list specifying a target for transaction based on the electronic money service with the first user terminal 100 is provided. After setting the information, the transaction target list setting unit 320, the first user terminal 100, and the second user terminal 200 for transmitting the first user terminal 100 to the electronic money such as electronic money transfer. Formed by the electronic money transfer processing between the history information storage unit 330, the first user terminal 100 and the second user terminal 200 for storing the electronic money history information that is changed using the money service Electronic Money Transfer The first user terminal unit 100 which is previously stored and received from the at least one of the first user terminal unit 100 and the second user terminal unit 200 at the time of reaching the preset period or the limit of the electronic money transfer processing. ), The history information updater 340 for updating the electronic money history information for the second, and the electronic money history information for the second user terminal 200.

Furthermore, the electronic money service provider 300 transmits the electronic money information corresponding to the charge request amount to the first user terminal 100 in response to the electronic money charging request of the first user terminal 100. It is also a preferred configuration to further include an electronic money charging unit 350.

The transaction target list setting unit 320 forms transaction target list information including at least one of user information and terminal information that can be transacted with the first user terminal 100 through an electronic money service. The list information is set by the input setting of the first user through the first user terminal unit 100.

In addition, when the transaction target list setting unit 320 forms the transaction target list information corresponding to the first user terminal unit 100 and receives an additional transaction target from the first user terminal unit 100, the transaction target list setting unit 320 adds the transaction target list information. Perform an update for adding additional information including at least one of at least one of user information and terminal information of the counterpart to the previously formed transaction target list information, and convert the transaction target list information to be re-formed into the first user terminal unit; 100).

In the above, when the limit of the electronic money transfer process is reached, the amount of electronic money included in the electronic money information stored in the first user terminal unit 100 is equal to or less than a predetermined amount, or the electronic value of the first user terminal unit 100. The case where the storage capacity related to the money transfer processing is more than the preset storage capacity is exemplarily shown.

Similarly, since the electronic money service providing unit 300 may receive the electronic money transfer processing information through the second user terminal unit 200, when the limit of the electronic money transfer processing is reached, the second user terminal unit is used. It may also indicate the case where the storage capacity related to the electronic money transfer processing of 200 is greater than or equal to a preset storage capacity.

2 is a configuration diagram of the first user terminal unit 100 shown in FIG. 1. As shown only as an example in FIG. 2, the first user terminal unit 100 establishes a communication connection with the electronic money service provider 300 through a network to designate a target for executing a transaction based on the electronic money service. Server connection communication unit 310 for receiving the transaction target list information to form, storage unit 330 for storing electronic money information and transaction target list information including the electronic money amount information available on the electronic money service, storage unit Remittance setting unit 320 for specifying the electronic money transfer target through the transaction target list information stored in the (330) and then set the amount of electronic money transfer that can be remitted based on the electronic money information to set the transfer to the specified electronic money transfer target , A short range wireless communication unit 310 for short-range wireless communication connection with the second user terminal 200 which is a target of electronic money transfer, and a ground Over a wireless communication includes the transfer transmission unit for transmitting the electronic money transfer amount.

Here, after the first user terminal unit 100 establishes a communication connection with the second user terminal unit 200 through short-range wireless communication, at least one of user information and terminal information of the counterpart from the second user terminal unit 200. Receiving the above information is compared with the information corresponding to the electronic money remittance target of the transaction target list information previously stored, and further includes a remittance determination unit for determining whether or not to transfer the electronic money transfer amount according to the result It is desirable to.

In addition, the first user terminal unit 100 forms electronic money transfer processing information and stores the electronic money transfer processing information as the electronic money for a predetermined amount is transferred to the second user terminal unit 200, and collects the electronic money transfer processing information. It is preferable to further include a remittance processing information transfer unit for storing to a predetermined period of time to deliver to the electronic money service provider 300 when a predetermined period arrives.

In addition, the electronic money transfer processing information is transmitted to the electronic money service provider 300 when the limit of the electronic money transfer processing within the terminal is reached, as well as the electronic money transfer processing information being stored. It is also possible to reset the.

3 is a flowchart illustrating an operation process of the electronic money transfer system shown in FIG. 1. As shown only as an example in FIG. 3, the electronic money transfer method stores the electronic money amount after the first user terminal 100 previously stores electronic money information including electronic money amount information available in an electronic money service. In order to designate an object that can be remitted, the process proceeds to accessing the electronic money service provider 300 (S100 and S102).

Accordingly, the electronic money service provider 300 forms the transaction target list information in response to the setting according to the request of the first user terminal 100 and transmits it to the first user terminal 100 (S104).

The first user terminal unit 100 receives and stores transaction target list information transmitted from the electronic money service provider 300 (S106).

Thereafter, the first user terminal unit 100 designates one electronic money remittance target for remitting electronic money among a plurality of trading partners using the transaction target list information (S108), and stores electronic money information. Set a certain amount of remittance of the electronic money amount remittable using (S110).

The first user terminal unit 100 transmits a request signal for short-range wireless communication connection with the second user terminal unit 200 related to the electronic money transfer target set above to the second user terminal unit 200. In response to the second user terminal 200 in response to the short-range wireless communication connection is performed (S112 and S116).

In the above steps, the second user terminal 200 may first establish a short range wireless communication connection by requesting a short range wireless communication connection, and the step of setting a certain amount of remittance among electronic money amounts after establishing the short range wireless communication connection. It is also possible to change the process to run.

Thereafter, the first user terminal unit 100 executes electronic money transfer to the second user terminal unit 200 based on short-range wireless communication (S118).

Accordingly, the second user terminal unit 200 executes the increase of the electronic money that is stored in advance as much as the received electronic money transfer amount (S120), and transmits the electronic money reception completion message to the first user terminal unit 100. (S122).

The first user terminal unit 100 receives the electronic money reception completion message received from the second user terminal unit 200 and then transfers the electronic money transfer processing information, in which the details of the remittance processing are stored due to the steps executed above. Form and store (S124).

Thereafter, the first user terminal unit 100 collectively transfers the electronic money transfer processing information, which is being stored, to the electronic money service providing unit 300 when the predetermined period or the limit of the electronic money transfer processing is reached (S124 and S126). .

Accordingly, the electronic money service provider 300 updates and manages details information of the electronic money account for each of the first user terminal 100 and the second user terminal 200 (S128).

4 is a flow chart illustrating in more detail a process of remittance processing between terminal units during an operation of the electronic money transfer system shown in FIG. 3. As shown only as an example in FIG. 4, the method for remittance processing between terminals during the operation of the electronic money transfer system includes electronic money amount information available to the electronic money service by the first user terminal 100. In operation S200, the electronic money information and the transaction target list information are stored.

Subsequently, the first user terminal unit 100 designates an electronic money transfer target indicating one transaction target for electronic money transfer among previously stored transaction target list information (S202).

After the step S202, the first user terminal unit 100 sets the electronic money transfer amount for remittance to the electronic money transfer target within electronic money amount information that can be remitted among the electronic money information being stored (S204).

The first user terminal unit 100 transmits a request signal for short-range wireless communication connection to the second user terminal unit 200 through terminal information related to the electronic money transfer target (S206).

Thereafter, the first user terminal unit 100 receives a response signal transmitted from the second user terminal unit 200 and then completes the connection for short-range wireless communication with the second user terminal unit 200 (S208 and S210).

After the connection for short-range wireless communication is made, the first user terminal unit 100 requests the second user terminal unit 200 to provide information for authentication (S212), and thus the second user terminal unit 200 ) Transmits the remittance reception target information including the user information and the terminal information for the other party (S214).

The first user terminal unit 100 determines the remittance receiving target information received based on the transaction target list information and determines whether or not it matches the target for remitting money (S216).

According to the result of the determination in step S216, the first user terminal unit 100 reduces the amount of the electronic money that is already stored by the amount of electronic money for remittance to the second user terminal unit 200 and then reduces the amount for the reduced portion. Transfer to the second user terminal 200 (S218 and S220).

The second user terminal unit 200 forms an electronic money reception completion message after the increase of the electronic money that is stored in advance by the amount received, and transmits the received electronic money to the first user terminal unit 100 (S222 and S224).

Thereafter, the first user terminal 100 forms electronic money transfer processing information including information on the details of the transfer processing and stores / manages it (S226).

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the present invention as defined by the following claims It can be understood that

In addition, the present invention is to transfer the electronic money between the electronic money terminal devices in a peer-to-peer manner, not only the possibility of commercialization or sales but also to the extent that it can be clearly implemented in reality, there is an industrial applicability. Invention.

1 is a block diagram of an electronic money transfer system according to an embodiment of the present invention,

2 is a configuration diagram of a first user terminal unit illustrated in FIG. 1;

3 is a flow chart showing an operation process of the electronic money transfer system shown in FIG.

4 is a flow chart illustrating in more detail a process of remittance processing between terminal units during an operation of the electronic money transfer system shown in FIG. 3.

<Description of Symbols for Main Parts of Drawings>

100: first user terminal unit 200: second user terminal unit

300: electronic money service provider 310: communication unit

320: transaction target list setting unit 330: history information storage unit

340: history information update unit 350: electronic money charging unit

Claims (20)

A first user terminal unit for setting an electronic money transfer amount based on previously stored electronic money information and designating an electronic money transfer destination to transfer the electronic money transfer destination through short-range wireless communication; A second user terminal unit for receiving electronic money transfer information including the electronic money transfer amount via a short range wireless communication connection with the first user terminal unit; And After the electronic money transfer processing information is received from the first user terminal unit or the second user terminal unit when a preset period or the limit of electronic money transfer processing is reached, the first electronic terminal is based on the electronic money transfer processing information. And an electronic money service providing unit for executing an update on the electronic money history information of the user terminal unit and an update on the electronic money history information of the second user terminal unit. The method of claim 1, wherein the first user terminal unit After performing the short-range wireless communication with the second user terminal unit and discriminating whether the electronic money service is possible with the second user terminal unit, the second user terminal unit is designated as the electronic money transfer target, or Electronic money transfer system characterized in that for designating the electronic money transfer target through the transaction target list information after storing the transaction target list information. A communication unit for communicating with at least one user terminal device using an electronic money service; A history information storage unit for storing the electronic money history information formed by the use of the electronic money service of the at least one user terminal device; A predetermined period from the first user terminal device or the second user terminal device after the electronic money transfer processing of the at least one or more user terminal devices through the short-range wireless communication with the second user terminal device; Receive electronic money transfer processing information when the limit of electronic money transfer processing is reached, update the electronic money history information of the first user terminal through the electronic money transfer processing information, and the electronic money history of the second user terminal device. Electronic money service providing server device in the electronic money transfer system including a history information update unit for performing an update for the information. According to claim 3, Electronic money service providing server device in the electronic money transfer system, In the electronic money transfer system further comprises an electronic money charging unit for transmitting the electronic money information corresponding to the charge request amount to the first user terminal in response to the electronic money charging request of the first user terminal unit. Electronic money service server device. According to claim 3, Electronic money service providing server device in the electronic money transfer system, In response to a request from a first user terminal, which is one of the at least one user terminal device, set transaction target list information that is a target of mutual trading based on the first user terminal device and the electronic money service, and the communication unit. Electronic transaction service providing server device in the electronic money transfer system further comprises a transaction target list setting unit for transmitting the transaction target list information to the first user terminal through. The method of claim 5, wherein the transaction target list setting unit Electronic in the electronic money transfer system comprising the at least one or more of the user information and the terminal information of the other party that can trade through the first user terminal device and the electronic money service to form the transaction target list information. Currency service server device. The method of claim 5, wherein the transaction target list setting unit When the first user terminal device adds an object that can be transacted with each other based on the electronic money service, reforming the transaction target list information including at least one of user information and terminal information of the added counterpart Electronic money service providing server device in an electronic money transfer system, characterized in that. The method of claim 5, wherein when the limit of the electronic money transfer is reached. The amount of electronic money included in the electronic money information stored in the first user terminal device is equal to or less than a predetermined amount, or the capacity for storing the electronic money transfer processing information in the first user terminal device or the second user terminal device is low. Electronic money service providing server device in an electronic money transfer system, characterized in that it comprises a case of more than a predetermined storage capacity. A storage unit for storing electronic money information including electronic money amount information available in an electronic money service; A remittance setting unit configured to set a remittance to the electronic money remittance target by setting an electronic money remittance amount based on the electronic money information after designating an electronic money remittance target; A short-range wireless communication unit for short-range wireless communication with the terminal device for the electronic money transfer; And And a remittance transmitter configured to transmit the electronic money remittance amount through the short-range wireless communication. The method of claim 9, wherein the remittance setting unit Specifying the electronic money transfer destination according to the result formed after discriminating the availability of the electronic money service with the terminal device of the electronic money transfer target while performing short-range wireless communication with the terminal device of the electronic money transfer target; And pre-store transaction target list information for the electronic money service, and designate the electronic money transfer target through the transaction target list information. The method of claim 10, wherein the user terminal device in the electronic money transfer system The user terminal device in the electronic money transfer system further comprises a server connection communication unit for receiving the transaction target list information formed by setting the target of mutual transactions based on the electronic money service. The method of claim 11, wherein the user terminal device in the electronic money transfer system Remittance processing for forming and storing electronic money remittance processing information for the electronic money remittance according to the transfer of the electronic money remittance process and transmitting the data through the server connection communication unit when a predetermined period or the limit of electronic money remittance processing is reached. A user terminal device in an electronic money transfer system, further comprising an information transfer unit. The method of claim 10, wherein the user terminal device in the electronic money transfer system It is determined whether at least one or more of the user information and the terminal information of the counterpart transmitted from the terminal device of the electronic money transfer target through the short range wireless communication match the information corresponding to the electronic money transfer target in the transaction target list information. And a remittance determination unit for determining whether to transfer the electronic money transfer amount according to the determination result. The method of claim 9, wherein the storage unit User terminal device in an electronic money transfer system, characterized in that implemented as a smart card. After the first user terminal device determines whether the electronic money service with the second user terminal unit is possible while performing near field communication with the second user terminal unit, the second user terminal unit is designated as the electronic money transfer target. A remittance target designation step of designating the electronic money remittance target through the transaction target list information after previously storing transaction target list information for the electronic money service; A remittance amount setting step of setting an electronic money remittance amount based on previously stored electronic money information including electronic money amount information available in the electronic money service; And Remittance transfer method for transmitting the electronic money transfer amount to the second user terminal device through the short-range wireless communication. The method of claim 15, wherein the electronic money transfer method When the first user terminal device pre-stores the transaction target list information, the second user terminal receives at least one or more of the other party's user information and the terminal information through the short-range wireless communication to receive the transaction target list information. The electronic money transfer method further comprises the step of determining whether the electronic money transfer target and the corresponding information and the electronic money transfer amount of the transfer according to the determination result. The method of claim 15, wherein the electronic money transfer method At least one or more of the first user terminal device and the second user terminal device forms and stores electronic money remittance processing information for the electronic money remittance according to the transmission and reception of the electronic money remittance amount, and then limits the predetermined period or electronic money remittance processing. Remittance processing information transmission step for delivering the electronic money transfer processing information to the electronic money service providing server upon arrival. 18. The method of claim 17, wherein the electronic money transfer method When the first user terminal device pre-stores the transaction target list information, at least one of user information and terminal information on a target that can access the electronic money service providing server and mutually trade based on the electronic money service. The electronic money transfer method further comprises a transaction target additional step for reforming the transaction target list information as provided above. The method of claim 15, wherein the electronic money transfer method And a message outputting step of outputting a guide message on the non-transfer of electronic money to at least one of the first user terminal device and the second user terminal device when the transfer is impossible. How to Send Money. The method of claim 15, wherein the electronic money transfer method The electronic money transmission method between the electronic money transmission and reception terminal further comprises the step of short-range wireless communication blocking step of blocking the connection via the short-range wireless communication between the first user terminal device and the second user terminal device if the transfer is impossible. .

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