SYSTEM FOR SENDING ELECTRONIC MONEY AND METHOD FOR SENDING ELECTRONIC MONEY

1 . A system for remitting electronic money, the system comprising:

a service server for providing a remittance request signal according to a remittance request when receiving the remittance request comprising subscriber identification information of a remittee from a predetermined terminal apparatus;

an electronic money server for managing an electronic money account corresponding to subscriber identification information of each user, and requesting identification of the remittee and currency exchange/remittance according to the remittance request signal when receiving the remittance request signal from the service server; and

a relay server for when the relay server has been requested for the identification of the remittee and the currency exchange/remittance according to the remittance request signal by the electronic money server, identifying a country of the remittee based on the remittance request signal, and exchanging an amount of electronic money to be remitted according to the remittance request signal for a currency unit of the country of the remittee based on exchange rate information of each country and then providing the electronic money server in the relevant country with a remittance signal comprising information on an amount of the exchanged currency.

2 . The system as claimed in claim 1 , wherein the relay server is located in a roaming network.

3 . The system as claimed in claim 1 , wherein when receiving the remittance request from the terminal apparatus, the service server detects a communication network code corresponding to the remittee based on the subscriber identification information of the remittee included in the remittance request and then provides the electronic money server with the remittance request signal obtained by adding the communication network code to the remittance request.

4 . The system as claimed in claim 3 , wherein the electronic money server transmits a remittance confirmation request corresponding to the remittance request signal to the service server, and the service server transmits a message, which notifies completion of remitting electronic money to the remittee, to the terminal apparatus in response to the remittance confirmation request when receiving the remittance confirmation request from the electronic money server.

5 . An electronic money server comprising:

an electronic money account manager for managing an electronic money account corresponding to subscriber identification information of each user; and

a server controller for requesting an external relay server for identification of a remittee and currency exchange/remittance according to a remittance request signal when receiving the remittance request signal comprising subscriber identification information of the remittee from an external service server.

6 . The electronic money server as claimed in claim 5 , wherein the remittance request signal comprises at least one of:

subscriber identification information of a remitter who makes a request for remitting electronic money to the remittee;

the subscriber identification information of the remittee;

a country code of the remittee;

a communication network code corresponding to the remittee; and

information on an amount of electronic money to be remitted.

7 . The electronic money server as claimed in claim 6 , wherein when the server controller is requested for remittance completion confirmation by the relay server in response to the request for the identification of the remittee and the currency exchange/remittance according to the remittance request signal, the server controller provides the service server with a remittance confirmation request which is made for notifying completion of remitting electronic money to a terminal apparatus corresponding to the subscriber identification information of the remitter, and reduces an amount of electronic money by the amount of electronic money, which has been remitted according to the remittance request signal, in a relevant electronic money account of the electronic money account manager corresponding to the subscriber identification information of the remitter.

8 . The electronic money server as claimed in claim 6 , wherein the server controller provides a predetermined terminal apparatus corresponding to the remittee according to a remittance signal with an electronic money remittance signal, which directs charging of electronic money corresponding to information on an amount of exchanged currency, when receiving the remittance signal comprising the information on the amount of the exchanged currency from the relay server.

9 . The electronic money server as claimed in claim 8 , wherein when receiving charging completion indicating charging of electronic money according to the amount of the exchanged currency in response to the electronic money remittance signal, the server controller provides the relay server with remittance completion corresponding to the remittance signal, and increases an amount of electronic money in accordance with the information on the amount of the exchanged currency in the relevant electronic money account of the electronic money account manager corresponding to the subscriber identification information of the remittee.

10 . A relay server comprising:

an exchange rate information storage unit for storing exchange rate information of each country;

a currency exchange calculator for calculating an amount of exchanged currency based on the exchange rate information of each country; and

a relay server controller for when the relay server is requested for identification of a remittee and currency exchange/remittance according to a remittance request signal by an external electronic money server, identifying a country of the remittee based on the remittance request signal, requesting the currency exchange calculator to exchange an amount of electronic money to be remitted according to the remittance request signal for a currency unit of the country of the remittee, and then providing an electronic money server in the relevant country with a remittance signal comprising the information on the amount of the exchanged currency related to the currency exchange.

11 . The relay server as claimed in claim 10 , wherein the relay server controller provides the electronic money server in the relevant country with the remittance signal comprising a subscriber identification number of the remittee and the information on the amount of the exchanged currency and then makes a request for remitting electronic money corresponding to the information on the amount of the exchanged currency to a terminal apparatus of the remittee, and provides the electronic money server with remittance completion confirmation which makes a request for notifying completion of remitting electronic money to a terminal apparatus of a remitter according to the remittance request signal when receiving remittance completion in response to the remittance signal.

12 . A method for remitting electronic money, the method comprising the steps of:

providing a remittance request signal according to a remittance request by a service server when the remittance request comprising subscriber identification information of a remittee is received from a predetermined terminal apparatus;

requesting identification of the remittee and currency exchange/remittance according to the remittance request signal by an electronic money server for managing an electronic money account corresponding to subscriber identification information of each user when the remittance request signal is received;

identifying a country of the remittee based on the remittance request signal and then exchanging an amount of electronic money to be remitted according to the remittance request signal for a currency unit of the country of the remittee based on exchange rate information of each country by a relay server, when the identification of the remittee and the currency exchange/remittance according to the remittance request signal have been requested; and

providing the electronic money server in the relevant country with a remittance signal comprising the information on the amount of the exchanged currency in response to the remittance request signal by the relay server.

13 . The method as claimed in claim 12 , wherein the step of providing the remittance request signal by the service server comprises the sub-steps of:

detecting a communication network code corresponding to the remittee based on the subscriber identification information of the remittee included in the remittance request received from the terminal apparatus; and

providing the electronic money server with the remittance request signal obtained by adding the detected communication network code to the remittance request.

14 . The method as claimed in claim 13 , further comprising a step of transmitting a message, which notifies completion of remitting electronic money to the remittee, to the terminal apparatus in response to the remittance confirmation request by the service server when the remittance confirmation request corresponding to the remittance request signal is received from the electronic money server.

15 . A method for processing remittance by an electronic money server, the method comprising the steps of:

determining whether a remittance request signal comprising subscriber identification information of the remittee is received from an external service server;

requesting an external relay server for identification of a remittee and currency exchange/remittance according to the remittance request signal when the remittance request signal is received;

determining whether remittance completion confirmation is requested by the external relay server in response to the request for the identification of the remittee and the currency exchange/remittance according to the remittance request signal; and

reducing an amount of electronic money by the amount of the remitted electronic money in an electronic money account corresponding to subscriber identification information of a remitter according to the remittance request signal among multiple pieces of previously-stored subscriber identification information according to users when the remittance completion confirmation is requested.

16 . The method as claimed in claim 15 , wherein the remittance request signal comprises at least one of:

subscriber identification information of a remitter who makes a request for remitting electronic money to the remittee;

the subscriber identification information of the remittee;

a country code of the remittee;

a communication network code corresponding to the remittee; and

information on an amount of electronic money to be remitted.

17 . The method as claimed in claim 16 , further comprising a step of providing the service server with a remittance confirmation request which is made for notifying completion of remitting electronic money to a terminal apparatus corresponding to the subscriber identification information of the remitter when the remittance completion confirmation is requested.

18 . The method as claimed in claim 16 , further comprising the steps of:

determining whether a remittance signal comprising information on an amount of exchanged currency is received from the relay server; and

providing a predetermined terminal apparatus corresponding to the remittee according to the remittance signal with an electronic money remittance signal, which directs charging of electronic money in response to the information on the amount of the exchanged currency, when the remittance signal is received.

19 . The method as claimed in claim 18 , further comprising the steps of:

determining whether charging completion indicating charging of electronic money according to the amount of the exchanged currency is received in response to the electronic money remittance signal; and

providing the relay server with remittance completion corresponding to the remittance signal and increasing an amount of electronic money in accordance with the information on the amount of the exchanged currency in a relevant electronic money account of an electronic money account manager corresponding to the subscriber identification information of the remittee, when the charging completion is received in response to the electronic money remittance signal.

20 . A method for processing remittance by a relay server, the method comprising the steps of:

determining whether identification of a remittee and currency exchange/remittance according to a remittance request signal are requested by an external electronic money server;

identifying a country of the remittee based on the remittance request signal and exchanging an amount of electronic money to be remitted according to the remittance request signal for a currency unit of the country of the remittee based on exchange rate information of each country, when the identification of the remittee and the currency exchange/remittance according to the remittance request signal are requested; and

providing an electronic money server in the relevant country with a remittance signal comprising the information on the amount of the exchanged currency related to the currency exchange.

21 . The method as claimed in claim 20 , further comprising the steps of:

determining whether remittance completion is received in response to the remittance signal, after providing the electronic money server in the relevant country with the remittance signal comprising a subscriber identification number of the remittee and the information on the amount of the exchanged currency; and

providing the electronic money server with remittance completion confirmation which makes a request for notifying completion of remitting electronic money to a terminal apparatus corresponding to a remitter according to the remittance request signal when the remittance completion is received in response to the remittance signal.