KR20120080405A - User equipment and deposit/payment method using the same, deposit/payment apparatus - Google Patents

Abstract

PURPOSE: A user terminal, deposit and withdrawal method for the same, and a deposit and withdrawal apparatus thereof are provided to increase a convenience of user by paying a constant price which is not directly delivered, by using a deposit and withdrawal application of a user terminal. CONSTITUTION: A input unit(202) inputs a control command. Transceiving unit(204) is connected with a deposit and withdrawal service apparatus, and then interlocked. A controller(200) drives a deposit and withdrawal application unit(208) according to the control command. The controller receives a constant price or pays it to an account number connected with the telephone number by interlocking with the deposit and withdrawal service apparatus. The deposit and withdrawal application part performs a user authentication according to control of the controller.

Description

USER EQUIPMENT AND DEPOSIT / PAYMENT METHOD USING THE SAME, DEPOSIT / PAYMENT APPARATUS}

The present invention relates to a cash input and output service technology using a user terminal, in particular, when cash withdrawal with a specific user or group, even if you do not know the account number of the user or group account number associated with the terminal number of the user or group The present invention also relates to a user terminal suitable for depositing and depositing various dues, conscientious aid, helping disadvantaged neighbors, religious support, and the like, and depositing and withdrawing method using the same.

Recently, small or portable user terminals have been released in various ways, and in particular, mobile communication terminals such as smart phones, which can receive various services through various applications, have been released.

Such smart phones are being implemented to perform various services through mobile communication networks such as location search, restaurants, theaters, hospital reservations and card payments in addition to basic functions of sending calls and messages with other people.

In particular, since the bank provides a deposit inquiry and transfer service through an application that can be linked with a financial institution (for example, a bank or a securities company), the user executes a smartphone's financial institution linked application and inputs the account number of the counterpart that needs to be transferred. The bank will then transfer the deposit to that account.

In the account transfer method according to the related art operating as described above, the transfer can be performed by executing the financial institution interworking application of the user terminal only when the account number of the counterpart is known. There was a problem that you have to contact directly to receive the account number directly.

Accordingly, an embodiment of the present invention, when it is necessary to deposit and withdraw cash with a specific user or group, a user terminal that can perform the withdrawal of cash to the telephone number of a specific user or group using the deposit and withdrawal application of the user terminal and the deposit and withdrawal using the same A method and a withdrawal device are provided.

In addition, another embodiment of the present invention, if a specific user or group and cash withdrawal is required, even if you do not know the account number of the user or group through the account number or mobile payment associated with the terminal number of the user or group of the various fees The present invention provides a user terminal capable of depositing and depositing money, arranging aids, helping disadvantaged neighbors, and religious support funds, and depositing and withdrawing method using the same.

A user terminal according to an embodiment of the present invention drives an input and output application unit based on an input unit for receiving a control command, a transmission / reception unit connected to and connected with a deposit and withdrawal service device, and the control command transmitted from the input unit, and the deposit and withdrawal unit. A control unit which deposits and withdraws a certain amount of money with an account number linked with a phone number in connection with a service device, performs user authentication under the control of the control unit, and is connected with a financial institution service device to link a phone number with a user account; When a telephone number to withdraw money is input in the withdrawal service mode, the phone number user information and a registered deposit list are displayed in association with the deposit and withdrawal service device, and when a withdrawal command of a predetermined amount is input to the deposit list, the financial institution The withdrawal and withdrawal app for withdrawing money in conjunction with a service device Sean may include portions.

The deposit and withdrawal application unit may generate a one-time telephone number and link the generated one-time telephone number with a user's account.

According to another aspect of the present invention, a user terminal may include an input unit for receiving a control command, a transmission / reception unit connected to and connected to a deposit and withdrawal service device, and a deposit and withdrawal application unit based on the control command transmitted from the input unit. A control unit which deposits and withdraws a certain amount of money with an account number linked with a phone number in connection with a service device, performs user authentication under the control of the control unit, and is connected with a financial institution service device to link a phone number with a user account; It may include a deposit and withdrawal application unit for registering the deposit list to be received by the command input in the deposit service mode, and displays the deposit information to be received by the phone number as a message.

The deposit and withdrawal application unit may generate a one-time telephone number and link the generated one-time telephone number with a user's account.

In and out device using a user terminal according to an embodiment of the present invention, an interface unit for connecting to a plurality of user terminals, a user authentication unit for performing user authentication with each user terminal connected to the interface unit, financial An account interlocking management unit for interworking the telephone numbers of the respective user terminals and the corresponding user terminal account numbers in association with an institution service device, and a payment performing unit for making deposits and withdrawals to and from the telephone numbers of other user terminals at the request of the respective user terminals; And access the deposit and withdrawal application unit in each of the user terminals to register the requested deposit list from the user terminal to receive the deposit, and receive user information associated with a specific telephone number from the user terminal to withdraw, the user information and Along with providing a deposit list for that user It may include a deposit service generation unit.

The deposit and withdrawal device may further include a one-time number generator for generating a one-time telephone number that can be linked with the account number when requested from the user terminal to receive the deposit.

The payment execution unit may perform withdrawal of at least one of a prepayment, a point, and a gift certificate for a predetermined amount to a phone number of a user terminal to be deposited through mobile payment in the withdrawal user terminal.

The deposit and withdrawal method using the user terminal according to an embodiment of the present invention, the process of receiving a control command, the process of connecting and connecting the deposit and withdrawal service apparatus with a wired and wireless communication network, and provides a deposit and withdrawal service by telephone number based on the control command. Driving a deposit and withdrawal application unit, performing a user authentication in the deposit and withdrawal application unit, accessing a financial institution service device, interworking a phone number and a user's account, and performing a withdrawal service mode based on the control command Receiving a phone number user information and a registered deposit list in association with the deposit and withdrawal service device; and when a withdrawal command of a predetermined amount is input to the deposit list, the financial institution service. It may include a process of performing withdrawal in conjunction with the device.

The deposit and withdrawal method may further include generating a one-time telephone number based on the control command and interworking the generated one-time telephone number with the user's account.

The deposit and withdrawal method using the user terminal according to another embodiment of the present invention, the process of receiving a control command, the process of connecting and connecting the deposit and withdrawal service apparatus with a wired and wireless communication network, and provides a deposit and withdrawal service by telephone number based on the control command. A process of driving a deposit and withdrawal application unit, a user authentication at the deposit and withdrawal application unit, accessing a financial institution service device, interworking a phone number and a user's account, and performing a deposit service mode based on the control command And registering a deposit list by an input command, and displaying a deposit list with the telephone number if the message is received as a message.

The deposit and withdrawal method may further include generating a one-time telephone number based on the control command and interworking the generated one-time telephone number with the user's account.

According to another embodiment of the present invention, a method for depositing and withdrawing money using a user terminal may include: connecting to a plurality of user terminals; performing a user authentication with each connected user terminal; Interworking the telephone numbers of the respective user terminals and the corresponding user terminal account numbers, registering the deposit list requested from the user terminal to be deposited by accessing the deposit and withdrawal application and the wired / wireless communication network in each user terminal; When receiving the user information associated with a specific telephone number from the user terminal to withdraw money, the process of providing a deposit list of the user with the user information, and withdraws and withdraws to the telephone number of the other user terminal at the request of each user terminal It may include the process of performing.

The deposit and withdrawal method may further include generating a one-time telephone number that can be linked with the account number when requested from the user terminal to receive the deposit.

In the process of performing the deposit and withdrawal, the withdrawal of at least one of a prepayment, a point, and a gift certificate for a predetermined amount to the phone number of the user terminal to be deposited through mobile payment in the withdrawal user terminal may be performed.

In the present invention, effects obtained by representative ones of the disclosed inventions will be briefly described as follows.

According to the present invention, a cash withdrawal service using a user terminal may be used to perform deposit and withdrawal using a telephone number for the other party or group even when the account number of the other party or group is not known.

Therefore, the user can pay a certain amount of money, such as the expenses of the police, religious and political support, help the needy neighbors, which can not be directly delivered using the deposit and withdrawal application of the user terminal, and the other party and the group that can receive the deposit account number in their phone number By interlocking, there is no need to teach the account number to the users to perform deposits, thereby increasing the convenience of the user.

1 is a block diagram showing the structure of a deposit and withdrawal device using a user terminal according to an embodiment of the present invention;
2 is a block diagram showing the structure of a user terminal according to an embodiment of the present invention;
3 is a block diagram showing the structure of a deposit and withdrawal service device according to an embodiment of the present invention;
4 is a flowchart illustrating an operation procedure of a deposit and withdrawal device using a user terminal according to an embodiment of the present invention.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus so that the instructions, which may be executed by a processor of a computer or other programmable data processing apparatus, And means for performing the functions described in each step are created. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions noted in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

According to the embodiment of the present invention, when a deposit or withdrawal of cash is required for a specific user or group, even if the account number of the user or group is not known, various dues and consequential subsidies are provided through the account number or mobile payment associated with the terminal number of the user or group. It is to provide deposit and withdrawal services, such as helping the underprivileged and religious support.

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

1 is a block diagram showing the structure of a deposit and withdrawal device using a user terminal according to an embodiment of the present invention.

Referring to FIG. 1, a deposit and withdrawal device using a user terminal may include a plurality of user terminals 100, 110, and 120, a wired and wireless communication network 130, a deposit and withdrawal service device 140, a financial institution service device 150, and the like. have.

In more detail, the plurality of user terminals 100, 110, and 120 may access the deposit and withdrawal service device 140 through the wired / wireless communication network 130, and receive and withdraw money service information from the deposit and withdrawal service device 140 based on the deposit and withdrawal application. It is possible to drive a deposit and withdrawal for a certain amount with the other party.

Here, the user terminals 100, 110, and 120 may include both portable devices such as mobile communication terminals, smart phones, PMPs, PDAs, laptops, and the like, and computing devices such as computers used at home or at work. have.

When the deposit and withdrawal service device 140 receives an access request from the user terminals 100, 110 and 120, the access and approval service device 140 approves whether the access is made through user authentication, and finances upon request from the approved user terminals 100, 110 and 120. In conjunction with the institutional service device 150 may provide a deposit and withdrawal service. In this case, since the user terminal 100, 110, 120 and the deposit and withdrawal service device 140 may authenticate the user and transmit and receive the deposit and withdrawal information, the user data security technology is used to provide a security service for the user information. can do.

User data security technologies include block encryption (e.g. (HIGHT: HIGh security and light weigHT), SEED, etc.), asymmetric encryption, and authority control technology (e.g., TCSEC: Trusted Computer System Evaluation Criteria). Of course, it is possible to apply a variety of security technologies for security.

The deposit and withdrawal service device 140 links each user terminal 100, 110, and 120 phone number with the corresponding user's account number, and then a specific user terminal requests a deposit to a phone number of another user terminal through a deposit and withdrawal application. In the case of interworking with the financial institution service device 150, the deposit request amount is transmitted to the account number corresponding to the deposit requested phone number, and the deposit history information is transmitted as a text message to the corresponding phone number and the user terminal phone number requesting the deposit. Can transmit

The financial institution service device 150 may interwork with the deposit and withdrawal service device 140 to provide account information for each user, and provide the withdrawal service between each user according to the withdrawal and withdrawal request of the withdrawal and withdrawal service device 140.

2 is a block diagram showing the structure of a user terminal according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal 100 includes a control unit 200, an input unit 202, a transceiver unit 204, a memory unit 206, a deposit and withdrawal application unit 208, a display unit 210, a speaker unit ( 212) and the like.

In more detail, the control unit 200 may control each functional block of the user terminal 100, drive the deposit and withdrawal application unit 208, and connect with the deposit and withdrawal service device 140 through the transceiver unit 204 to deposit and withdraw money. Control can be performed.

The input unit 202 may transmit information input by a user through a keypad or a touch screen to the control unit 200 as a command signal, and the transceiver unit 204 may be connected to the deposit and withdrawal service device 140 under the control of the control unit 200. And data transmission / reception with the deposit and withdrawal service device 140.

The memory unit 206 stores an operation program for driving the user terminal 100, and may provide the operation program at the request of the controller 200. The memory unit 206 may include a deposit and withdrawal application unit 208 in a separate memory area or an external memory device.

The deposit and withdrawal application unit 208 is a program for providing a deposit and withdrawal service to a user using the user terminal 100 and hardware including the same. In connection with the deposit and withdrawal service device 140, the user's phone number and the account are interlocked with the user's phone. You can create a deposit service to receive deposits by number.

In addition, if you do not want to disclose the user's telephone number to the other party, by generating a one-time telephone number, and then linked with the user's telephone number, it is possible to generate a number that can be used only when deposit and withdrawal.

The deposit and withdrawal application unit 208 provides a deposit service mode and a withdrawal service mode, respectively, the user can generate a deposit list to be deposited through the deposit service mode, withdrawal using a specific telephone number through the withdrawal service mode or not After confirming, user authentication and withdrawal can be performed by selecting a withdrawal method.

Meanwhile, the deposit and withdrawal application unit 208 may be included in the Universal Subscriber Identity Module (USIM) capable of performing various functions such as user authentication, global roaming, and e-commerce, and may be separately inserted into the user terminal 100. have.

The display unit 210 displays the screen information transmitted from the control unit 200 and may display the entry and withdrawal service mode information, the payment execution information, and the like. In addition, the speaker unit 212 may output voice or sound information transmitted from the controller 200 according to user authentication and deposit / withdrawal.

3 is a block diagram showing the structure of a deposit and withdrawal service device according to an embodiment of the present invention.

Referring to FIG. 3, the deposit and withdrawal service device 140 includes an interface unit 300, a user authentication unit 302, a user information database (DB) 304, a disposable number generation unit 306, and an account interworking management unit 308. ), The payment service generation unit 310, the payment execution unit 312 and the like.

In more detail, the interface unit 300 may transmit and receive data by connecting to a plurality of user terminals 100, 110, and 120 through the wired / wireless communication network 130, and may interface with each functional block. .

When the specific user terminal requests the deposit and withdrawal service by driving the deposit and withdrawal application unit 208, the user authentication unit 302 includes the user information received by requesting the user information from the specific user terminal and included in the user information database 304. User authentication can be performed by comparison with user information.

In this case, the user authentication method may perform a password input request, an authorized certificate method, and a random number generator (OTP) card and a number input request of a device. In addition, when the account is withdrawn or withdrawn, the financial institution service device 150 may be separately executed or the user authentication may be performed simultaneously with the financial institution service device 150.

The one-time number generator 306 generates a telephone number for use in deposit and withdrawal, and may generate a one-time number when requested from a specific user terminal. This is a preset number of digits and may be in the same format as a general telephone number.

When the one-time number generated is linked to a telecommunications company, the one-time number may be used to make a phone call with a specific user terminal using the one-time number, and set the number of deposit and withdrawal, registration period, etc. according to the user's setting method. You can link with the number and cancel the link. This one-time number can be used when you need to deposit cash to the other party, but do not want to inform your terminal number and account number, or when there is a possibility that your phone number will be known to an unspecified number, such as helping a neighbor.

The account interworking management unit 308 may link the account number and the account number of a specific user by interworking with the financial institution service device 150. For example, “10-1234-5689 = oo bank 123-24-5678. -890 "can be linked. When a specific user drives the deposit and withdrawal application unit 208 to input a specific number, the user may provide user information of the corresponding number and whether the account is linked to the account.

The deposit service generating unit 310 generates a list of payment requests for depositing a specific user based on the information input through the application unit 208 of the user terminal, and posts a field or a list of deposits to the corresponding phone number. . In other words, we publish a variety of wedding celebrations, vice-money, feasts, religious support, helping the underprivileged, and can register specific information about them.

For example, wedding celebrations (Hong Gil-dong gets married at the OO banquet on October O.), religious support (OO tithing, OO city poetry), political support (000 members, 00 party), helping the underprivileged (the Salvation Army OO Branch) , World vision, etc.) may enable the posting of various deposit services to individual users or organizations.

As such, through the account linkage management unit 308 and the deposit service generation unit 310, a specific user can check whether the account linkage based on the phone number of the counterpart to withdraw money, and after confirming the deposit list set by the counterpart, the phone number You can transfer a certain amount to the other party using.

The payment performing unit 312 performs a deposit and withdrawal service requested from a specific user terminal, and interlocks with the financial institution service device 150 to an account associated with a counterpart phone number in an account associated with a specific user terminal phone number. You can transfer the requested amount. On the other hand, when a user of a particular user terminal is not linked to an account, or if the amount of money to be transferred to the linked account is insufficient, or when the account is not used, mobile payment may be performed.

Mobile payment is a method of depositing a certain amount of money to the other party's account, not a transfer from the account to the account, but transfers a specific amount in the deposit and withdrawal service device, and then charges a fee to a specific user terminal later. That is, it can be performed by credit loan, prepaid post-payment method, and can provide a voucher, points, etc., to the other party, not cash. Accordingly, when a gift certificate or a point is provided to a counterpart, not a cash, from a specific user terminal, it may be used to convert to cash and to pay a service fee at the request of the counterpart.

In addition, the payment execution unit 312 may provide the status information, the completion information, the mobile payment information, etc. to the specific user terminal and the counterpart user terminal as a text message when the deposit and withdrawal is performed.

4 is a flowchart illustrating an operation procedure of a deposit and withdrawal device using a user terminal according to an embodiment of the present invention.

Referring to FIG. 4, the second user terminal 110 registers a deposit list through the deposit and withdrawal application unit 208 so that the first user terminal 100 withdraws a predetermined amount of money to the second user terminal 110. In operation 400, the user of the first user terminal 100 and the second user terminal 110 drives the deposit and withdrawal application unit 208.

In operation 402, when the deposit and withdrawal application unit 208 of the first user terminal 100 and the second user terminal 110 is connected to the deposit and withdrawal service device 140, user authentication is performed and the service is used during the first access. In connection with the account interlocking management unit 308 can be registered by interlocking the user's phone number and account number, and can apply for the use of mobile payments other than the account.

Thereafter, in step 404, the deposit and withdrawal application unit 208 requests the user to use the withdrawal service mode, and when the user of the first user terminal 100 selects the withdrawal service, the withdrawal service mode is driven in step 406. In this case, the deposit and withdrawal application unit 208 of the first user terminal 100 requests the input of the telephone number to withdraw, and when the telephone number is input from the user, it is determined whether there is a user with the telephone number input in step 410. In connection with the financial institution service device 150, it is determined whether an account associated with the corresponding phone number exists.

If the telephone number is incorrectly input or the telephone number does not exist, the information is output. In step 412, the telephone number is requested to be re-entered. However, when the account information associated with the user having the phone number input in step 410 is confirmed, in step 414, the deposit list registered with the counterpart is checked along with the information on the counterpart.

In the case of confirming with the user, in step 416, the deposit and withdrawal application unit 208 requests the selection of a withdrawal method. That is, the cash withdrawal using the account, prepayment for mobile payment, points, gift certificates, and the like are selected. In operation 418, information about a withdrawal (eg, amount of money, a text message to be sent to the other party, a description of one's account or contents to be sent in a text message, etc.) may be described. When the description is completed, the first user terminal 100 may be input. The deposit and withdrawal application unit 208 may perform withdrawal by performing user authentication in connection with the financial institution service device 150. When withdrawal is completed, the withdrawal application unit 208 proceeds to step 422 and the first withdrawal service device 140 at the first user terminal ( In step 100), the withdrawal completion message is transmitted and the deposit details message is transmitted to the user terminal of the receiving counterpart.

Meanwhile, when the user of the second user terminal 110 selects the deposit service mode in step 404, the deposit and withdrawal application unit 208 of the second user terminal 110 drives the deposit service mode in step 424, and deposits in step 426. You will register a list of deposits to receive (e.g. marriage, stone, donations, etc.). In operation 428, detailed payment request information is requested to the registered deposit list, and the inputted information is registered.

In operation 430, it is determined whether the user number associated with the user's account number is disclosed. When providing a phone number to an unspecified number of people rather than existing acquaintances, the user proceeds to step 432 and the user requests the generation of a one-time number through the deposit and withdrawal application unit 208. The deposit and withdrawal application unit 208 generates a one-time telephone number through the one-time number generation unit 306 of the deposit and withdrawal service device 140, and deposits and withdraws a service list in connection with the corresponding one-time number in step 434. 140).

Thereafter, in step 436, when the deposit message is received from the specific user, the sender and the deposit amount, etc., which are deposited through the user's phone number are checked in step 438.

As described above, in the present invention, when a deposit or withdrawal of cash is required for a specific user or group, even if the account number of the user or group is not known, various membership fees, through the account number or mobile payment associated with the terminal number of the user or group, It provides deposit and withdrawal services such as police assistance, help for disadvantaged neighbors, and religious support.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments, but is capable of various modifications within the scope of the invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims, and equivalents thereof.

As described above, the user terminal according to the present invention, the deposit and withdrawal method using the same, withdrawal and withdrawal using the telephone number for the other party or group even without knowing the account number of the other party or group through the cash withdrawal service using the user terminal In order to perform, the user can pay a certain amount of money, such as the expenses of religion, political and political support, and the needy neighbors, which can not be directly delivered using the deposit and withdrawal application of the user terminal, and the other party and the group that can receive the deposit are their telephone numbers. By linking the account number to, it is suitable for receiving a certain amount of money through a telephone number from users who will make a deposit.

100, 110, 120: user terminal 130: wired and wireless communication network
140: deposit and withdrawal service device 150: financial institution service device
200: control unit 202: input unit
204: transceiver unit 206: memory unit
208: deposit and withdrawal application unit 210: display unit
212: speaker unit 300: interface unit
302: user authentication unit 304: user information database
306: one-time number generation unit 308: account linkage management unit
310: deposit service generation unit 312: payment execution unit

Claims (14)

An input unit for receiving a control command,
A transmission / reception unit connected to an entrance / exit service device and interlocked with each other,
A control unit which drives a deposit and withdrawal application unit based on the control command transmitted from the input unit, deposits and withdraws a certain amount of money with an account number linked with a telephone number in association with the deposit and withdrawal service device;
After performing the user authentication under the control of the control unit, the user accesses the financial institution service device to link the phone number with the user's account, and when a telephone number to withdraw money is input in the withdrawal service mode, the phone interworks with the deposit and withdrawal service device. The deposit and withdrawal application unit which displays the number user information and the registered deposit list and performs withdrawal in association with the financial institution service device when a withdrawal command of a predetermined amount is input to the deposit list.
Lt; / RTI > The method of claim 1,
The deposit and withdrawal application unit,
Generating a one-time telephone number and interworking the generated one-time telephone number with a user's account. An input unit for receiving a control command,
A transmission / reception unit connected to an entrance / exit service device and interlocked with each other,
A control unit which drives a deposit and withdrawal application unit based on the control command transmitted from the input unit, deposits and withdraws a certain amount of money with an account number linked with a telephone number in association with the deposit and withdrawal service device;
After performing the user authentication under the control of the control unit, the user accesses the financial institution service device, interlocks the phone number with the user's account, registers a deposit list to be deposited by the command input in the deposit service mode, and deposits the money into the phone number. When the received details are received as a message, the deposit and withdrawal application unit for displaying them
Lt; / RTI > The method of claim 3, wherein
The deposit and withdrawal application unit,
Generating a one-time telephone number and interworking the generated one-time telephone number with a user's account. An interface unit for accessing a plurality of user terminals;
A user authentication unit performing user authentication with each user terminal connected to the interface unit;
An account interlocking management unit for interworking the telephone number of each user terminal with the corresponding user terminal account number in association with a financial institution service device;
A payment performing unit for making deposits and withdrawals to and from telephone numbers of other user terminals at the request of each user terminal;
Access the deposit and withdrawal application unit in each user terminal to register the requested deposit list from the user terminal to be deposited, and when the user information associated with a specific phone number is requested from the user terminal to withdraw, the corresponding information is included with the user information. Deposit service generation unit that provides the user's deposit list
Deposit and withdrawal device using a user terminal comprising a. 6. The method of claim 5,
The deposit and withdrawal device,
If requested from the user terminal to receive the deposit, a one-time number generation unit for generating a one-time phone number that can be linked to the account number
Depositing and withdrawing device using a user terminal, characterized in that it further comprises. 6. The method of claim 5,
The payment performing unit,
A deposit and withdrawal device using a user terminal, characterized in that withdrawal of at least one of a prepayment, a point, and a gift certificate for a predetermined amount to a phone number of a user terminal to be deposited through mobile payment in a withdrawal user terminal. Receiving a control command,
Interworking by accessing a deposit and withdrawal service device and a wired and wireless communication network;
Driving a deposit and withdrawal application unit for providing a deposit and withdrawal service to a telephone number based on the control command;
After performing the user authentication in the deposit and withdrawal application unit, accessing a financial institution service device and interworking a phone number and a user's account;
Receiving a telephone number user information and a registered deposit list in association with the deposit and withdrawal service device when a withdrawal service mode is performed based on the control command and a telephone number to be withdrawn is input;
Performing a withdrawal in conjunction with the financial institution service device when a withdrawal command of a predetermined amount is input to the deposit list;
Deposit and withdrawal method using a user terminal comprising a. The method of claim 8,
The deposit and withdrawal method,
Generating a one-time telephone number based on the control command and interworking the generated one-time telephone number with the user's account;
Depositing and withdrawing method using a user terminal further comprising a. Receiving a control command,
Interworking by accessing a deposit and withdrawal service device and a wired and wireless communication network;
Driving a deposit and withdrawal application unit for providing a deposit and withdrawal service to a telephone number based on the control command;
After performing the user authentication in the deposit and withdrawal application unit, accessing a financial institution service device and interworking a phone number and a user's account;
Registering a deposit list with an input command by executing a deposit service mode based on the control command;
Displaying the details deposited in the phone number as a message, if the message is received
Deposit and withdrawal method using a user terminal comprising a. The method of claim 10,
The deposit and withdrawal method,
Generating a one-time telephone number based on the control command and interworking the generated one-time telephone number with the user's account;
Depositing and withdrawing method using a user terminal further comprising a. Performing a connection with a plurality of user terminals;
Performing user authentication with each of the connected user terminals;
Interworking the telephone number of each user terminal with the corresponding user terminal account number in association with a financial institution service device;
Registering a deposit list requested from a user terminal to receive a deposit by accessing the deposit and withdrawal application in each user terminal and a wired / wireless communication network;
When the user information associated with a specific phone number is requested from the user terminal to withdraw money, providing a deposit list of the user with the user information;
Performing a deposit and withdrawal to a telephone number of another user terminal at the request of each user terminal;
Deposit and withdrawal method using a user terminal comprising a. 13. The method of claim 12,
The deposit and withdrawal method,
If requested from the user terminal to receive the deposit, the process of generating a one-time telephone number that can be linked to the account number
Depositing and withdrawing method using a user terminal further comprising a. 13. The method of claim 12,
The process of performing the deposit and withdrawal,
The withdrawal method using a user terminal, characterized in that withdrawal of at least one of a prepayment, a point, a gift certificate for a predetermined amount to a phone number of the user terminal to be deposited through the mobile payment to the withdrawal.

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