WO2003092348A2

WO2003092348A2 - The operational method and system of the telecommunication device for the electronic cash

Info

Publication number: WO2003092348A2
Application number: PCT/KR2003/000889
Authority: WO
Inventors: Sungwoo Kim
Original assignee: Sungwoo Kim
Priority date: 2002-05-02
Filing date: 2003-05-02
Publication date: 2003-11-13
Also published as: EP1550067A4; AU2003235192A8; AU2003235192A1; WO2003092348A3; EP1550067A2

Abstract

Disclosed are a method and a system for transacting and managing electronic cash by using a mobile communication device. The mobile communication device is neither a partial system, such as card-type electronic cash, nor an auxiliary device for performing a cash-transfer between banks. The mobile communication device itself has an electronic cash function. Withdrawing, saving, cash-transfer, payment-transfer, and balance-checking processes are effectively carried out by utilizing the electronic cash function of the mobile communication device. The By utilizing the electronic cash function of the mobile communication device having the electronic cash function overcomes disadvantages of card-type electronic cash, a mobile phone settlement, in which a charged is included in a phone bill so that a user is required to check the phone bill, and an on-line settlement, so the mobile communication device having the electronic cash function is effectively used as substitute for paper money and coin. Electronic cash used through the portable mobile communication device is relatively economical as compared with conventional paper money and coin and improves convenience of life.

Description

THE OPERATIONAL METHOD AND SYSTEM OF THE TELECOMMUNICATION DEVICE FOR THE ELECTRONIC CASH

Technical Field

The present invention relates to a mobile communication device having an electronic cash function.

Background Art In general, mobile communication devices include mobile phones, PDA (personal digital assistant) having a mobile communication function, IMT-2000 devices, wireless Internet devices, and mobile communication devices for shop. Electronic cash of the present invention can be achieved through electronically recording a value of cash to a semiconductor chip or an electronic record medium and varying the value of cash according to use of electronic cash. That is, the amount of cash is recorded in the semiconductor chip or in the electronic record medium as electronic information. A device having the above function is sometimes called "electronic wallet".

In the following description, a term "recharge" means that cash (fund) is electronically withdrawn, a term "reverse-recharge" means that cash (fund) is electronically saved, a term "cash transfer" means that cash (fund) is electronically transferred, and a term "payment transfer" means that payment is electronically carried out. In detail, the recharge means a process for electronically updating the balance of electronic cash electronically memorized in an electronic cash management company by subtracting recharged cash from the balance and for electronically adding the predetermined amount of cash to be recharged to the balance of electronic cash electronically memorized in a mobile communication device. The reverse-recharge means a process for electronically updating the balance of electronic cash electronically memorized in the mobile communication device by subtracting reverse-recharged cash from the balance and for electronically adding the predetermined amount of cash to be reverse-recharged to the balance of electronic cash electronically memorized in the electronic cash management company. The cash transfer means a process for electronically updating the balance of electronic cash electronically memorized in the mobile communication device of a first user by subtracting a predetermined amount of cash requested to be transferred from the balance and for electronically adding the predetermined amount of cash to the balance of electronic cash electronically memorized in the mobile communication device of a second user. The payment transfer means a process for electronically updating the balance of electronic cash electronically memorized in the mobile communication device by subtracting a predetermined . amount of payment requested to be paid from the balance and for electronically adding the predetermined amount of cash to the balance of electronic cash electronically memorized in an electronic cash terminal used in stores or shops . A non-contact type short distance wireless communication manner of the present invention means that two wireless communication devices directly exchange electronic signals with each other without utilizing a network. Such wireless communication manner includes an RF (radio frequency) manner, an infrared communication manner, a local area network, and a bluetooth communication manner. The wireless communication manner may be further developed as communication technology has become advanced. Hereinafter, prior arts relating to the wireless communication device will be described. One of the prior arts is a mobile credit card approval terminal, in which a financial settlement function is added to the mobile communication device. That is, a credit card approval function is added to the mobile communication device.

In addition, a charge settlement system by using the mobile communication device called "mobile phone settlement system" has been widely spread in the Internet to settle a charge through the mobile communication device. The above system is utilized in on-line settlement, such as Internet settlement. In addition, the mobile communication device is used as an auxiliary device for "tele-banking or mobile phone internet banking" to perform the cash-transfer between accounts of banks. However, the mobile communication device is not a storing device, so the mobile communication device has no recharge and reverse- recharge functions. Especially, the mobile phone settlement system mainly performs a user identification function based on the phone number of the mobile communication device.

Therefore, in the above-described systems, the mobile communication device acts as an auxiliary device for the financial transaction and electronic cash. Although there have been various attempts for adding an electronic cash function to the mobile communication device, they fail to realize the anticipated results.

On the other hand, although it is not directly related to the mobile communication device, plastic card type electronic cash has been developed and used in an electronic cash field. Plastic card type electronic cash is classified into magnetic tape type electronic cash and a semiconductor chip mounting type electronic cash depending on sorts of information storing devices as used. However, such plastic card type electronic cash has a space limitation when performing recharge and reverse-recharge functions of cash, and requires ATM or a recharge center as auxiliary devices, thereby resulting inconvenience.

Disclosure of the Invention

Although many scholars and engineers expect that electronic cash will be used as next-generation cash, electronic cash is not widely spread. The reason is that conventional card-type electronic cash is inconvenient as compared with of conventional paper money and coin in view of withdrawing, saving, transferring, payment, and balance checking, so conventional card-type electronic cash does not achieve the advantages of conventional paper money and coin. In addition, conventional card- type electronic cash does not attain immaterial advantages of conventional paper money and coin, such as anonymous characteristic. Although electronic cash has some disadvantages as compared with presently used paper money and coin, if electronic cash has unique advantages in use and technology, it will provide convenience to the user while compensating for the disadvantages.

Therefore, the present invention has been made in view of the above-mentioned problems, and it is a first object of the present invention to provide a method and a system capable of conveniently recharging and reverse- recharging electronic cash in any place through a mobile communication device having a function of electronic cash without using a special purpose terminal.

A second object of the present invention is to provide a method and a system capable of directly/indirectly performing electronic cash transfer and payment transfer with a convenience manner, which cannot be achieved through a conventional electronic cash device in the form of a plastic card, by using a mobile communication device having a function of electronic cash.

A third object of the present invention is to provide a method and a system capable of electronically performing recharge, reverse-recharge, cash-transfer, and payment transfer of electronic cash in a convenience manner similar to those of conventional paper money and coil. A fourth object of the present invention is to provide a method and a system capable of easily checking the present balance and transaction details by using record recorded in a record medium accommodated in a mobile communication device having an electronic cash function.

A fifth object of the present invention is to provide a method and a system capable of ensuring anonymity and protecting privacy of users while keeping conventional customs and rules to allow persons , who prefer to anonymity and privacy provided by conventional money, to use electronic cash.

A sixth object of the present invention is to provide a method and a system capable of improving reliability of transactions by allowing users to visually check the transaction process of electronic cash including recharge, reverse-recharge, cash- transfer, and payment-transfer processes.

A seventh object of the present invention is to provide a management method and an operating system of electronic cash used in the mobile communication device, mobile communication network, Internet network, electronic cash management company computer, and electronic cash terminal of a store.

To achieve the above objects, according to an aspect of the present invention, there is provided an electronic cash operating system including a first user's mobile communication device, a second user's mobile communication device, an electronic cash terminal of a store, a mobile communication network, an Internet network, and a computer system of an electronic cash management company. In addition, the computer system of an electronic cash management company includes ARS and SMS, a home page server, and a computer. The first and second user's mobile communication devices include a receiving/transmitting device, a screen, an input device, information controlling, calculating and recording device, and an external interface. The electronic cash terminal of a store includes components the same as the first and second user's mobile communication devices.

Brief Description of the Drawings

The foregoing and other objects, features and advantages of the present invention will become more apparent from the following detailed description when taken in conjunction with the accompanying drawings in which:

FIG. 1 is a block view showing management method and operating system of electronic cash; FIGS. 2A and 2B are views showing working flows for recharging electronic cash according to a preferred embodiment of the present invention;

FIGS. 3A and 3B are views showing working flows for reverse-recharging electronic cash according to a preferred embodiment of the present invention;

FIGS. 4A and 4B are views showing working flows of a cash-transfer of electronic cash according to a preferred embodiment of the present invention; and

FIGS. 5 and 6 are views showing working flows of a payment-transfer of electronic cash according to a preferred embodiment of the present invention.

Best Mode for Carrying Out the Invention Reference will now be made in detail to the preferred embodiments of the present invention.

A first embodiment of the present invention, as shown in FIG. 2A, relates to a method for recharging electronic cash to a user's mobile communication device by receiving electronic cash from an electronic cash management company or a financial agency having user's account information through a mobile communication network, when the user wants to increase the balance of electronic cash stored in the user's mobile communication device by withdrawing money from the account stored in the electronic cash management company or the financial agency.

Firstly, the user having a mobile communication device B105 accesses to the ARS (automatic response system) and SMS (short message servers; B109) through a mobile communication network BIO6 so as to recharge electronic cash to the mobile communication device B105 by receiving electronic cash from a system B107 of the electronic cash management company. Then, a message of the SMS (for example, Do you want to continue a recharge?) is sent to a screen B101 of the mobile communication device B105. At this time, the user inputs a number of user's account and an amount of cash to be recharged by using an input device B102 of the user's mobile communication device B105. Then, an information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines whether or not the amount of electronic cash to be recharged matches with the predetermined limitation and regulation. If the information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines that the amount of electronic cash to be recharged matches with the predetermined limitation and regulation, the user's mobile communication device B105 provides the present balance of electronic cash and a number A101 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device BIO3 to the system BIO7 of the electronic cash management company through the mobile communication network BIO6 together with a number of the account and the amount of electronic cash to be recharged. Then, a computer B108 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not withdrawal from the account is possible. In this step, if approval of withdrawal is allowed, the computer B108 of the electronic cash management company adds recharged electronic cash to the present balance of electronic cash recorded in the user's mobile communication device B105. Then, the system B107 of the electronic cash management company sends total balance information and recharge finish information to the user's mobile communication device B105 through the mobile communication network B106. According to the present invention, this step can be carried out by means of special characters or symbols . In addition, when information regarding the electronic cash balance is received, a receiver's system may regard it as a recharge finish notification. That is, according to the present invention, the recharge finish notification means the electronic rules between a receiver and a transmitter notifying that the recharge step is normally carried out. Then, the user's mobile communication device B105 updates present balance information stored in the information controlling, calculating and recording device B103 by adding recharged electronic cash to the present balance and stores information in connection with the recharge work including a recharge date, a recharge time, an amount of recharged electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, the user's mobile communication device B105 displays an image notifying the finish of the recharge work in a screen B101. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the recharge work.

If modifying the first embodiment of the present invention, the information controlling, calculating and recording device B103 of the user's mobile communication device B105 can perform the function for adding recharged electronic cash to the present balance, instead of the computer BIO8 of the electronic cash management company. In this case, the present balance information is omitted when the user's mobile communication device B105 sends information into the system BIO7 of the electronic cash management company. In addition, total balance information is omitted when the system B107 of the electronic cash management company sends information into the user's mobile communication device B105. The work for adding recharged electronic cash to the present balance is carried out after the recharge finish notification is sent to the user's mobile communication device B105 from the system B107 of the electronic cash management company. At this time, the present balance of electronic cash recorded in the user's mobile communication device B105 is updated while being increased by the user's mobile communication device B105.

A second embodiment of the present invention, as shown in FIG. 3A, relates to a method for reverse- recharging electronic cash to the account stored in an electronic cash management company or a financial agency having user's account information through a mobile communication network, when the user wants to reduce the balance of electronic cash stored in the user's mobile communication device and save money in the account.

Firstly, the user having the mobile communication device B105 accesses to the ARS and SMS B109 through the mobile communication network B106 so as to reverse- recharge electronic cash to the system B107 of the electronic cash management company. Then, the user inputs a number of user's account and an amount of cash to be reverse-recharged by using an input device B102 of the user's mobile communication device B105 corresponding to messages transmitted to the screen B101 of the users mobile communication device B105 from the electronic cash management company. Then, the user's mobile communication device B105 determines whether or not an amount of electronic cash to be reverse-recharged matches with the predetermined limitation and regulation. If the user's mobile communication device B105 determines that the amount of electronic cash to be reverse-recharged matches with the predetermined limitation and regulation, the user's mobile communication device B105 provides the present balance of electronic cash and a number A103 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device B103 to the system B107 of the electronic cash management company through the mobile communication network B106 together with the number of the account and the amount of electronic cash to be reverse-recharged. Then, the computer B108 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not save of electronic cash is possible. In this step, if approval of save is allowed, the computer B108 of the electronic cash management company subtracts electronic cash to be reverse-recharged from the present balance of electronic cash recorded in the user's mobile communication device B105. Then, the system B107 of the electronic cash management company sends total balance information and reverse-recharge finish information to the user's mobile communication device B105 through the mobile communication network B106. Then, the user's mobile communication device B105 updates present balance information stored in the information controlling, calculating and recording device B103 by subtracting reverse-recharged electronic cash from the present balance and stores information in connection with the reverse-recharge work including a reverse-recharge date, a reverse-recharge time, an amount of reverse-recharged electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, the user's mobile communication device B105 displays an image notifying the finish of reverse-recharge work in the screen B101. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the reverse-recharge work.

If modifying the second embodiment of the present invention, the information controlling, calculating and recording device B103 of the user's mobile communication device B105 can perform the function for subtracting reverse-recharged electronic cash from the present balance, instead of the computer B108 of the electronic cash management company. In this case, present balance information is omitted when the user's mobile communication device B105 sends information into the system BIO7 of the electronic cash management company. In addition, total balance information is omitted when the system B107 of the electronic cash management company sends information into the user's mobile communication device B105. The work for subtracting reverse-recharged electronic cash from the present balance is carried out after the reverse-recharge finish notification is sent to the user's mobile communication device B105 from the system B107 of the electronic cash management company. At this time, the present balance of electronic cash recorded in the user's mobile communication device B105 is updated while being reduced by the user's mobile communication device B105.

A third embodiment of the present invention, as shown in FIG. 4A, relates to a method for transferring electronic cash stored in the- mobile communication device of a first user to the mobile communication device of a second user, if the first user wants to give electronic cash to the second user. The third embodiment of the present invention can be adapted when two mobile communication devices are arranged while making contact with each other or arranged within a range capable of communicating with each other without using a mobile communication network. Firstly, the first and second users switch an operating mode of mobile communication devices B105 and B 113 into an electronic cash-transfer mode. Then, the first user inputs an amount of electronic cash to be transferred by using the input device B102 according to messages displayed in the screen BlOl of the mobile communication device B105. After that, the mobile communication devices B105 and B113 of the first and second users are arranged to make contact with each other or to be adjacent to each other. Then, . the mobile communication device B105 of the first user checks whether or not an amount of electronic cash to be transferred matches with the predetermined limitation and regulation. If the amount of electronic cash to be transferred properly matches with the predetermined limitation and regulation, the mobile communication device B105 of the first user sends information regarding electronic cash to be transferred and the number of the mobile communication device B105 of the first user to the mobile communication device B113 of the second user through an external interface B104. As mentioned above, the external interface B104 transfers information through making contact with the mobile communication device B105 (contact type) or through infrared ray, RF signals and the likes (non-contact type). Then, the mobile communication device B113 of the second user receives information through its external interface B104. Upon receiving information, the mobile communication device B113 of the second user temporarily stores information in the information controlling, calculating and recording device B103, and sends information regarding the number of the mobile communication device of the second user and a partial finish notification A106 of electronic cash-transfer to the mobile communication terminal B105 through the external interface B104 thereof. As same as the external interface B104 of the mobile communication device B105, the external interface B104 of the mobile communication device B113 transfers information through making contact with the mobile communication device B113 (contact type) or through infrared ray, RF signals and the likes (non- contact type). Then, the mobile communication terminal B105 of the first user again checks whether or not the transaction is normally carried out in match with the predetermined limitation and regulation. If the transaction is normally carried out in match with the predetermined limitation and regulation, the mobile communication terminal B105 of the first user sends a finish notification A107 of electronic cash-transfer to the second user through the external interface B104. After that, the mobile communication terminal B105 of the first user sends information regarding electronic cash calculated by subtracting transferred electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103, and the mobile communication device B113 of the second user sends information regarding electronic cash calculated by adding transferred electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating the present balance information stored in the information controlling, calculating and recording device B103. Then, each mobile communication device stores information in connection with the electronic cash-transfer working including an electronic cash-transfer date, an electronic cash-transfer time, an amount of transferred electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, each mobile communication device displays an image notifying the finish of electronic cash-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the electronic cash-transfer work. If it is required to ensure anonymity of users, the number of each mobile communication device is not transmitted to the other mobile communication device.

A fourth embodiment of the present invention, as shown in FIG. 4A, relates to a method for transferring electronic cash stored in the mobile communication device of the first user to the mobile communication device of the second user, if the first user wants to give electronic cash to the second user.

Firstly, the first user makes a call to the mobile communication device B113 of the second user through the mobile communication network by using the mobile communication device B105 of the first user. Then, the first and second users switch an operating mode of mobile communication devices B105 and B 113 into an electronic cash-transfer mode. Then, the first user inputs an amount of electronic cash to be transferred by using the input device B102 according to messages displayed in the screen BlOl of the mobile communication device B105. After that, the mobile communication device B105 of the first user checks whether or not an amount of electronic cash to be transferred properly matches with the predetermined limitation and regulation. If the amount of electronic cash to be transferred properly matches with the predetermined limitation and regulation, the mobile communication device B105 of the first user sends information regarding electronic cash to be transferred and the number A105 of the mobile communication device B105 of the first user to the mobile communication device B113 of the second user through an external interface B106. Upon receiving information, the mobile communication device B113 of the second user temporarily stores information in the information controlling, calculating and recording device B103, and sends information regarding the number of the mobile communication device of the second user and a partial finish notification A108 of electronic cash-transfer to the mobile communication terminal B105 through the external interface B106. Then, the mobile communication terminal B105 of the first user again checks whether or not the transaction is normally carried out in match with the predetermined limitation and regulation. If the transaction is normally carried out in match with the predetermined limitation and regulation, the mobile communication terminal BIO5 of the first user sends a finish notification A107 of electronic cash-transfer to the second user through the external interface B106. After that, the mobile communication terminal B105 of the first user sends information regarding electronic cash calculated by subtracting transferred electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103, and the mobile communication device B113 of the second user sends information regarding electronic cash calculated by adding transferred electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating present balance information stored in the information controlling, calculating and recording device B103. In addition, each mobile communication device stores information in connection with the electronic cash- transfer work including an electronic cash-transfer date, an electronic cash-transfer time, an amount of transferred electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, each mobile communication device displays an image notifying the finish of electronic cash-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the electronic cash-transfer work. If it is required to ensure anonymity of users, the number of each mobile communication device is not transmitted to the other mobile communication device.

A fifth embodiment of the present invention, as shown in FIG. 5, relates to a method for paying a charge after purchasing products or using services by transferring electronic cash from a user's mobile communication device to an electronic cash terminal of a store or a shop. The fifth embodiment of the present invention can be adapted when two mobile communication devices are arranged while making contact with each other or arranged within a range capable of communicating with each other without using a mobile communication network. Firstly, a clerk of the store displays a charge to be paid on a screen B 101 of an electronic cash terminal B114 installed at a cash counter and switches an operating mode of the electronic cash terminal B114 into a payment-transfer mode. In addition, the user also switches an operating mode of the mobile communication device B105 into a payment-transfer mode. Then, the user inputs an amount of electronic cash to be paid by using the input device B102 according to messages displayed in the screen BlOl of the mobile communication device B105. After that, the mobile communication device B105 is arranged to make contact with the electronic cash terminal B114, or to be adjacent to the electronic cash terminal B114. Then, the mobile communication device B105 of the user checks whether or not an amount of electronic cash to be paid matches with the predetermined limitation and regulation. If the amount of electronic cash to be paid properly matches with the predetermined limitation and regulation, the mobile communication device B105 of the user sends information regarding electronic cash to be transferred and the number A109 of the mobile communication device B105 of the user to the electronic cash terminal B114 of the store through an external interface B104 thereof. As mentioned above, the external interface B104 transfers information through making contact with the mobile communication device B105 (contact type) or through infrared ray, RF signals and the likes (non-contact type) . Then, the electronic cash terminal B114 of the store receives information through its external interface B104. Upon receiving information, the electronic cash terminal B114 temporarily stores information in the information controlling, calculating and recording device B103, and sends information regarding a name of the store and a number of the electronic cash terminal B114 and a partial finish notification A110 of electronic cash-transfer to the mobile communication terminal B105 through the external interface B104 thereof. Then, the mobile communication terminal B105 of the user again checks whether or not the transaction is normally carried out in match with the predetermined limitation and regulation. If the transaction is normally carried out in match with the predetermined limitation and regulation, the mobile communication terminal B105 of the user sends a finish notification A107 of electronic cash-transfer to the electronic cash terminal B114 through the external interface B104 thereof. After that, the mobile communication terminal BIO5 of the user sends information regarding electronic cash calculated by subtracting transferred electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103, and the electronic cash terminal B114 sends information regarding electronic cash calculated by adding transferred electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating present balance information stored in the information controlling, calculating and recording device B103. Then, each of mobile communication device B105 and electronic cash terminal B114 stores information in connection with the payment-transfer work including a payment-transfer date, a payment-transfer time, an amount of payment, and a device identification code in the information controlling, calculating and recording device B103. After that, each of the mobile communication device and electronic cash terminal displays an image notifying the finish of payment-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the payment-transfer work. If it is required to ensure anonymity of users, the number of the mobile communication device is not transmitted into the electronic cash terminal of the store. In order to ensure privacy of the users, a manufacturing number of the mobile communication device, instead of the number of the mobile communication device, can be transmitted into the electronic cash terminal of the store.

A sixth embodiment of the present invention relates to a method for checking present balance information of electronic cash recorded in a mobile communication device of the user.

The sixth embodiment is carried out in a simple manner. Firstly, the user switches an operation mode of a mobile communication device B105 into a balance- checking mode to check present balance information of electronic cash. Then, the user operates an input device B102 according to messages displayed on a screen BlOl of the mobile communication device B105. As a results the mobile communication device B105 displays the present balance on the screen BlOl of the mobile communication device B105 by reading present balance information recorded in an information controlling, calculating and recording device B103. The above function and structure are also applied to an electronic cash terminal of a store.

A seventh embodiment of the present invention relates to a method for checking transaction details of electronic cash recorded in a mobile communication device of the user. The seventh embodiment is also carried out in a simple manner. Firstly, the user switches an operation mode of a mobile communication device B105 into a transaction detail-checking mode to check transaction details of electronic cash. Then, the user operates an input device B102 according to messages displayed on a screen BlOl of the mobile communication device B105. As a result, the mobile communication device B105 displays transaction details on the screen BlOl of the mobile communication device BIO5 by reading information regarding the transaction date and time, an amount of electronic cash used in the transaction, an account number, and a number of mobile communication device or an identification code of the electronic cash terminal of the store recorded in an information controlling, calculating and recording device B103. The above function and structure are also applied to the electronic cash terminal of the store.

An eighth embodiment of the present invention, as shown in FIG. 2B, relates to a method for recharging electronic cash to a user's mobile communication device by receiving electronic cash from an electronic cash management company or a financial agency having user's account information through an Internet network, when the user wants to increase the balance of electronic cash stored in the user's mobile communication device by withdrawing money from the account stored in the electronic cash management company or the financial agency.

Firstly, the user having the mobile communication device B105 accesses to a home page server B112 of the electronic cash management company through an Internet network Bill so as to recharge electronic cash to the mobile communication device B105 by receiving electronic cash from a system B107 of the electronic cash management company. Then, the user inputs a number of user's account and an amount of cash to be recharged corresponding to a home page menu displayed on a screen BlOl of the user's mobile communication device B105 by using an input device B102 of the user's mobile communication device B105. Then, an information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines whether or an amount of electronic cash to be recharged properly matches with the predetermined limitation and regulation. If the information controlling, calculating and recording device B103 of the user's mobile communication device B105 determines that the amount of electronic cash to be recharged properly matches with the predetermined limitation and regulation, the user's mobile communication device BIO5 provides the present balance of electronic cash and a number A101 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device B103 to the system B107 of the electronic cash management company through the Internet network Bill together with a number of the account and the amount of electronic cash to be recharged. Then, a computer BIO8 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not withdrawal from the account is possible. In this step, if approval of withdrawal is allowed, the computer B108 of the electronic cash management company adds recharged electronic cash to the present balance of electronic cash recorded in the user's mobile communication device B105. Then, the system B107 of the electronic cash management company sends total balance information and a recharge finish notification A102 to the user's mobile communication device B105 through the Internet network Bill. Then, the user's mobile communication device B105 updates present balance information recorded in the information controlling, calculating and recording device B103 by adding recharged electronic cash to the present balance and stores information in connection with the recharge work including a recharge date, a recharge time, an amount of recharged electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, the user's mobile communication device BIO5 displays an image notifying the finish of the recharge work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the recharge work. As similar to the first embodiment, the information controlling, calculating and recording device B103 of the user's mobile communication device B105 can perform the function for adding recharged electronic cash to the present balance, instead of the computer B108 of the electronic cash management company.

A ninth embodiment of the present invention, as shown in FIG. 3B, relates to a method for reverse- recharging electronic cash to the account stored in an electronic cash management company or a financial agency having user's account information through an Internet network, when the user wants to reduce the balance of electronic cash stored in the user's mobile communication device and save money in the account.

Firstly, the user having the mobile communication device B105 accesses to a home page server B112 of the electronic cash management company through an Internet network Bill so as to reverse-recharge electronic cash to the system B107 of the electronic cash management company. Then, the user inputs a number of user's account and an amount of cash to be reverse-recharged by using an input device B102 of the user's mobile communication device B105 corresponding to a home page menu transmitted to the screen BlOl of the users mobile communication device B105 from the electronic cash management company. Then, the user's mobile communication device B105 determines whether or not an amount of electronic cash to be reverse-recharged properly matches with the predetermined limitation and regulation. If the user's mobile communication device B105 determines that the amount of electronic cash to be reverse-recharged properly matches with the predetermined limitation and regulation, the user's mobile communication device B105 provides the present balance of electronic cash and a number A103 of the user's mobile communication device B105 recorded in the information controlling, calculating and recording device B103 to the system B107 of the electronic cash management company through the Internet network Bill together with the number of the account and the amount of electronic cash to be reverse-recharged. Then, the computer BIO8 of the electronic cash management company determines whether or not the account number and mobile communication device number match with warranted numbers and whether or not save of electronic cash is possible. In this step, if approval of save is allowed, the computer B108 of the electronic cash management company subtracts electronic cash to be reverse-recharged from the present balance of electronic cash recorded in the user's mobile communication device B105. Then, the system B107 of the electronic cash management company sends total balance information and reverse-recharge finish information to the user's mobile communication device B105 through the Internet network Bill. Then, the user's mobile communication device B105 updates present balance information stored in the information controlling, calculating and recording device B103 by subtracting reverse-recharged electronic cash from the present balance and stores information in connection with the reverse-recharge work including a reverse- recharge date, a reverse-recharge time, an amount of reverse-recharged electronic cash, and the account number in the information controlling, calculating and recording device B103. After that, the user's mobile communication device BIO5 displays an image notifying the finish of reverse-recharge work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the reverse-recharge work. As similar to the second embodiment of the present invention, the information controlling, calculating and recording device BIO3 of the user's mobile communication device B105 can perform the function for subtracting reverse-recharged electronic cash from the present balance, instead of the computer B108 of the electronic cash management company. A tenth embodiment of the present invention, as shown in FIG. 6, is similar to the fifth embodiment of the present invention, except that the user does not input an amount of charge to be paid through the mobile communication device, but simply approve the charge suggested by the electronic cash terminal of the store in order to reduce time required for a settlement procedure .

That is, a clerk of the store displays a charge to be paid on a screen B 101 of an electronic cash terminal B114 installed at a cash counter and switches an operating mode of the electronic cash terminal B114 into a payment-transfer mode. In addition, the user also switches an operating mode of the mobile communication device B105 into a payment-transfer mode. After that, the mobile communication device B105 is arranged to make contact with the electronic cash terminal B114, or to be adjacent to the electronic cash terminal B114.. Then, the mobile communication device BIO5 of the user sends a signal to the electronic cash terminal B114, notifying that the mobile communication device BIO5 is ready for receiving information. Accordingly, the electronic cash terminal B114 sends information regarding an amount of electronic cash to be paid and a device identification code Alll of the electronic cash terminal B114 to the mobile communication device B105 of the user. Upon receiving information from the electronic cash terminal B114, the mobile communication device B105 of the user checks whether or not the charge to be paid is normally counted. If the charge is normally counted, the mobile communication device B105 of the user sends information regarding the number A109 of the mobile, communication device B105 of the user and a partial finish notification A112 to the electronic cash terminal B114 of the store through an external interface B104 thereof, and temporarily stores the charge to be paid and the identification code of the electronic cash terminal B114 in the information controlling, calculating and recording device B103. The external interface B104 transfers information through making contact with the mobile communication device B105 (contact type), or through infrared ray, RF signals and the likes (non- contact type) .

Then, the electronic cash terminal B114 receives information through an external interface B104 thereof and temporarily stores information in the information controlling, calculating and recording device B103. After that, the electronic cash terminal B114 sends a finish notification All3 to the mobile communication device B105 through the external interface B104 thereof. Then, the mobile communication terminal BIO5 of the user sends information regarding electronic cash calculated by subtracting paid electronic cash from the previous balance thereof to the information controlling, calculating and recording device B103, and the electronic cash terminal B114 sends information regarding electronic cash calculated by adding paid electronic cash to the previous balance thereof to the information controlling, calculating and recording device B103, thereby updating present balance information stored in the information controlling, calculating and recording device B103. In addition, each of mobile communication device B105 and electronic cash terminal B114 stores information in connection with the payment-transfer work including a payment-transfer date, a payment-transfer time, an amount of payment, and a device identification code in the information controlling, calculating and recording device B103. After that, each of the mobile communication device and electronic cash terminal displays an image notifying the finish of payment-transfer work in the screen BlOl. Therefore, the user can use electronic cash as required based on the present balance after checking the finish of the payment-transfer work.

If it is required to ensure anonymity of users, the number of the mobile communication device is not transmitted into the electronic cash terminal of the store, or a manufacturing number of the mobile communication device, instead of the number of the mobile communication device, is transmitted into the electronic cash terminal of the store. As mentioned in the above-described embodiments of the present invention, the external interfaces B104 of the mobile communication device B105 and the electronic cash terminal B114 are divided into a contact type and a non-contact type depending on an electric signal transferring manner thereof. The non-contact type external interface includes an infrared ray transferring type, an RF signal transferring type, a bluetooth type, and a wireless LAN type. One of the above types or combination of the above types can be selectively used. In addition, the input device B102 installed in the mobile communication device BIO5 and the electronic cash terminal B114 of the store includes a button-type input device and a touch screen-type input device. It is possible to selectively use one of the button-type and touch screen-type input devices, or to simultaneously use the button-type and touch screen-type input devices .

To develop the present invention, it is required to study and research about computer and financial technologies while considering security and safety matters by the skilled in the arts .

Industrial Applicability

As can be seen from the foregoing, according to the present invention, the mobile communication device is equipped with an electronic cash function so that the recharge, reverse-recharge, cash-transfer, and payment- transfer processes are conveniently carried out without being interrupted by space-time limitations, thereby allowing electronic cash to be widely used. In addition, electronic cash of the present invention has a transaction process similar to that of convention paper money and coil so that the users, who have used card- type electronic cash or mobile phone settlement-type electronic cash for performing an on-line settlement in the Internet, may adopt the system of the present invention to use electronic cash, instead of conventional money, in off-line. Furthermore, according to the present invention, electronic cash can be used without providing ATM.

As a result, it is possible to reduce cost required for issuing conventional money and for installing ATM while improving convenience of the cash- transaction for a person, financial agencies, and companies.

While this invention has been described in connection with what is presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments and the drawings, but, on the contrary, it is intended to cover various modifications and variations within the spirit and scope of the appended claims .

Claims

1. A method for recharging electronic cash into a mobile communication device having an electronic cash function from an electronic cash management company, the method comprising the steps of: a) making a call by using the mobile communication device of a user so as to allow the first mobile communication device to be connected to a system of the electronic cash management company in a wireless manner through a mobile communication network; b) inputting a number of an account and an amount of electronic cash to be recharged by using an input device installed in the mobile communication device of the user; c) reading information including a present balance of electronic cash and a number of the mobile communication device recorded in a record medium of an information control device installed in the mobile communication device of the user; d) sending information including the present balance of electronic cash and the number of the mobile communication device together with the number of the account and the amount of electronic cash to be recharged, from the mobile communication device to the system of the electronic cash management company through the mobile communication network; e) determining whether or not the number of the account and the amount of electronic cash to be recharged are normal by using the system of the electronic cash management company; f) adding electronic cash to be recharged to the present balance transmitted into the system of the electronic cash management company; g) transmitting a total amount of electronic cash calculated by adding recharged electronic cash to the present balance and a finish notification indicating that a recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the mobile communication network; and h) updating present balance information of the mobile communication device of the user based on the total amount of electronic cash.

2. A method for recharging electronic cash into a mobile communication device having an electronic cash function from an electronic cash management company, the method comprising the steps of: a) making a call by using the mobile communication device of a user so as to allow the first mobile communication device to be connected to a system of the electronic cash management company in a wireless manner through a mobile communication network; b) inputting a number of an account and an amount of electronic cash to be recharged by using an input device installed in the mobile communication device of the user; c) reading a number of the mobile communication device recorded in a record medium of the mobile communication device of the user; d) sending the number of the mobile communication device together with the number of the account and the amount of electronic cash to be recharged, from the mobile communication device to the system of the electronic cash management company through the mobile communication network; e) determining whether or not the number of the account and the amount of electronic cash to be recharged are normal by using the system of the electronic cash management company; f) transmitting a finish notification indicating that a recharge process is normally carried out from the system of the electronic cash management company to the mobile communication device of the user through the mobile communication network; and g) adding recharged electronic cash to a previous balance of electronic cash and updating present balance information of the mobile communication device of the user based on a total amount of electronic cash.

3. A method for reverse-recharging electronic cash from a mobile communication device having an electronic cash function into an electronic cash management company, the method comprising the steps of: a) making a call by using the mobile communication device of a user so as to allow the first mobile communication device to be connected to a system of the electronic cash management company in a wireless manner through a mobile communication network; b) inputting a number of an account and an amount of electronic cash to be reverse-recharged by using an input device installed in the mobile communication device of the user; c) reading information including a present balance of electronic cash and a number of the mobile communication device recorded in a record medium of an information control device installed in the mobile communication device of the user; d) sending information including the present balance of electronic cash and the number of the mobile communication device together with the number of the account and the amount of electronic cash to be recharged, from the mobile communication device to the system of the electronic cash management company through the mobile communication network; e) determining whether or not the number of account and the amount of electronic cash to be reverse- recharged are normal by using the system of the electronic cash management company; f) subtracting electronic cash to be reverse- recharged from the present balance transmitted into the system of the electronic cash management company; g) transmitting a total amount of electronic cash calculated by subtracting reverse-recharged electronic cash from the present balance and a finish notification indicating that a reverse-recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the mobile communication network; and h) updating present balance information of the mobile communication device of the user based on the total amount of electronic cash.

4. A method for reverse-recharging electronic cash from a mobile communication device having an electronic cash function into an electronic cash management company, the method comprising the steps of: a) making a call by using the mobile communication device of a user so as to allow the first mobile communication device to be connected to a system of the electronic cash management company in a wireless manner through a mobile communication network; b) inputting a number of an account and an amount of electronic cash to be reverse-recharged by using an input device installed in the mobile communication device of the user; c) reading a number of the mobile communication device recorded in a record medium of an information control device installed in the mobile communication device of the user; d) sending the number of the mobile communication device together with the number of the account and the amount of electronic cash to be reverse-recharged, from the mobile communication device to the system of the electronic cash management company through the mobile communication network; e) determining whether or not the number of the account and the amount of electronic cash to be reverse- recharged are normal by using the system of the electronic cash management company; f) transmitting a finish notification indicating that a reverse-recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the mobile communication network; and g) subtracting reverse-recharged electronic cash from a previous balance of electronic cash and updating present balance information of the mobile communication device of the user based on a total amount of electronic cash.

5. A method for transferring electronic cash from a first user's mobile communication device having an electronic cash function to a second user's mobile communication device having an electronic cash function without using a mobile communication network by allowing the first and second user's mobile communication devices to communicate with each other through RF signals by using external interfaces installed in the first and second user's mobile communication devices, the method comprising the steps of: a) switching an operation mode of the first user's mobile communication device into an electronic cash- transfer mode and inputting an amount of electronic cash to be transferred by using an input device provided in the first user's mobile communication device; b) transmitting information including the amount of electronic cash to be transferred and a number of the first user's mobile communication device by reading out the number from a record medium of the first user's mobile communication device, from the first user's mobile communication device to the second user ' s mobile communication device through the external interface of the first user's mobile communication device; c) transmitting a number of the second user's mobile communication device and a partial finish notification of an electronic cash-transfer process indicating that the electronic cash-transfer process is normally carried out, from the second user's mobile communication device to the first user's mobile communication device through the external interface of the second user's mobile communication device; d) transmitting a finish notification of the electronic cash-transfer process indicating that an electronic cash-transfer process is normally carried out, from the first user's mobile communication device to the second user's mobile communication device through the external interface of the first user's mobile communication device; e) updating present balance information of the first user's mobile communication device by subtracting transferred electronic cash from a present balance of the first user's mobile communication device by reading out the present balance from the record medium thereof; and f) updating present balance information of the second user's mobile communication device by adding electronic cash to be paid to a present balance of the second user's mobile communication device by reading out the present balance from the record medium thereof.

6. A method for transferring electronic cash from a first user's mobile communication device having an electronic cash function to a second user's mobile communication device having an electronic cash function by allowing the first and second user's mobile communication devices to communicate with each other through a mobile communication network, the method comprising the steps of: a) making a call to the second user's mobile communication device by using the first user's mobile communication device so as to allow the first mobile communication device to be connected to the second user's mobile communication device in a wireless manner through a mobile communication network; b) switching an operation mode of the first user's mobile communication device into an electronic cash- transfer mode and inputting an amount of electronic cash to be transferred by using an input device provided in the first user's mobile communication device; c) transmitting information including the amount of electronic cash to be transferred and a number of the first user's mobile communication device by reading out the number from a record medium of the first user's mobile communication device to the second user's mobile communication device through the mobile communication network; d) transmitting a partial finish notification of an electronic cash-transfer process indicating that the electronic cash-transfer process is normally carried out, from the second user's mobile communication device to the first user's mobile communication device through the mobile communication network; e) transmitting a finish notification of the electronic cash-transfer process indicating that an electronic cash-transfer process is normally carried out, from the first user's mobile communication device to the second user's mobile communication device through an external interface of the first user's mobile communication device; f) updating present balance information of the first user's mobile communication device by subtracting transferred electronic cash from a present balance of the first user's mobile communication device by reading out the present balance from the record medium thereof; and g) updating present balance information of the second user's mobile communication device by adding electronic cash to be paid to a present balance of the second user's mobile communication device by reading out the present balance from the record medium thereof.

7. A method for performing a payment-transfer process from a user's mobile communication device having an electronic cash function to an electronic cash terminal of a store without using a mobile communication network by allowing the user's mobile communication device and the electronic cash terminal to communicate with each other through RF signals by using external interfaces installed in the user's mobile communication device and the electronic cash terminal of the store, respectively, the method comprising the steps of: a) switching an operation mode of the user's mobile communication device into a payment-transfer mode and inputting an amount of electronic cash to be paid by using an input device provided in the user's mobile communication device; b) transmitting information including the amount of electronic cash to be paid and a number of the user's mobile communication device by reading out the number from a record medium of the user's mobile communication device, from the user's mobile communication device to the electronic cash terminal of the store through the external interface of the user's mobile communication device; c) transmitting information including a device identification code of the electronic cash terminal and a partial finish notification of the payment-transfer process indicating that the payment-transfer process is normally carried out, from the electronic cash terminal to the user's mobile communication device through the external interface of the electronic cash terminal; d) transmitting a finish notification of the payment-transfer process indicating that the payment- transfer process is normally carried out, from the user's mobile communication device to the electronic cash terminal through the external interface of the user's mobile communication device; e) updating present balance information of the user's mobile communication device by subtracting paid electronic cash from a present balance of the user's mobile communication device by reading out the present balance from the record medium thereof; and f) updating present balance information of the electronic cash terminal by adding electronic cash to be paid to a present balance of the electronic cash terminal by reading out the present balance from the record medium thereof .

8. A method as claimed in any one of claims 5 to 7, wherein the user's mobile communication device does not read out the number of the user's mobile communication device from the record medium thereof and does not transmit the number of the user's mobile communication device into another devices.

9. A method as claimed in claim 7 , wherein the user ' s mobile communication device reads out a machinery number of the user's mobile communication device, instead of the number of the user's mobile communication device, and transmits the machinery number into the electronic cash terminal of the store.

10. A method as claimed in any one of claims 5, 7, 8 and 9, wherein an infrared signal is transmitted through the external interfaces for making communication between devices .

11. A method as claimed in any one of claims 5, 7, 8 and 9, wherein an electronic signal is transmitted through the external interfaces for making communication between devices while arranging the devices to make contact with each other.

12. A method as claimed in any one of claims 5, 7, 8 and 9, wherein a communication is carried out through the external interfaces in a bluetooth communication manner .

13. A method as claimed in any one of claims 5, 7,

8 and 9 , wherein a communication is carried out through the external interfaces in a wireless LAN communication manner .

14. A method as claimed in any one of claims 7 and

9 to 13, further comprising a step of displaying a charge to be paid on a screen of the electronic cash terminal of the store before step (a).

15. A method for checking present balance information of electronic cash from a mobile communication device having an electronic cash function, the method comprising the steps of: a) switching an operation mode of the mobile communication device into a balance-checking mode by using an input device provided in the mobile communication device; b) reading present balance information recorded in a record medium of the mobile communication device; and c) displaying present balance information on a screen of the mobile communication device by using numeral letters or characters.

16. A method for checking present balance information of electronic cash from a mobile communication device having an electronic cash function, the method comprising the steps of: a) switching an operation mode of the mobile communication device into a balance-checking mode by using an input device provided in the mobile communication device; b) reading present balance information recorded in a record medium of the mobile communication device; and c) outputting present balance information by using a sound signal.

17. A method for checking transaction information of electronic cash from a mobile communication device having an electronic cash function, the method comprising the steps of: a) switching an operation mode of the mobile communication device into a transaction-checking mode by using an input device provided in the mobile communication device; b) reading information in connection with a transaction including a transaction date, a transaction time, an amount of electronic cash used for the transaction, a number of an account, and a number of the other mobile communication device or a device identification code of an electronic cash terminal of a store, which are recorded in a record medium of the mobile communication device; and c) displaying transaction information on a screen of the mobile communication device by using numeral letters or characters.

18. A method for recharging electronic cash into a mobile communication device having an electronic cash function from an electronic cash management company, the method comprising the steps of: a) accessing to a system of the electronic cash management company through an Internet network by using the mobile communication device; b) inputting a number of an account and an amount of electronic cash to be recharged by using an input device installed in the mobile communication device of the user; c) reading information including a present balance of electronic cash and a number of the mobile communication device recorded in a record medium of an information control device installed in the mobile communication device of the user; d) sending information including the present balance of electronic cash and the number of the mobile communication device together with the number of the account and the amount of electronic cash to be recharged, from the mobile communication device to the system of the electronic cash management company through the Internet network; e) determining whether or not the number of the account and the amount of electronic cash to be recharged are normal by using the system of the electronic cash management company; f) adding electronic cash to be recharged to the present balance transmitted into the system of the electronic cash management company; g) transmitting a total amount of electronic cash calculated by adding recharged electronic cash to the present balance and a finish notification indicating that a recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the Internet network; and h) updating present balance information of the mobile communication device of the user based on the total amount of electronic cash.

19. A method for recharging electronic cash into a mobile communication device having an electronic cash function from an electronic cash management company, the method comprising the steps of: a) accessing to a system of the electronic cash management company through an Internet network by using the mobile communication device; b) inputting a number of an account and an amount of electronic cash to be recharged by using an input device installed in the mobile communication device of the user; c) reading a number of the mobile communication device recorded in a record medium of the mobile communication device of the user; d) sending the number of the mobile communication device together with the number of the account and the amount of electronic cash to be recharged, from the mobile communication device to the system of the electronic cash management company through the Internet network; e) determining whether or not the number of the account and the amount of electronic cash to be recharged are normal by using the system of the electronic cash management company; f) transmitting a finish notification indicating that a recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the mobile communication network; and g) adding recharged electronic cash to a previous balance of electronic cash and updating present balance information of the mobile communication device of the user based on a total amount of electronic cash.

20. A method for reverse-recharging electronic cash from a mobile communication device having an electronic cash function into an ' electronic cash management company, the method comprising the steps of: a) accessing to a system of the electronic cash management company through an Internet network by using the mobile communication device; b) inputting a number of an account and an amount of electronic cash to be reverse-recharged by using an input device installed in the mobile communication device of the user; c) reading information including a present balance of electronic cash and a number of the mobile communication device recorded in a record medium of an information control device installed in the mobile communication device of the user; d) sending information including the present balance of electronic cash and the number of the mobile communication device together with the number of the account and the amount of electronic cash to be recharged, from the mobile communication device to the system of the electronic cash management company through the Internet network; e) determining whether or not the number of account and the amount of electronic cash to be reverse- recharged are normal by using the system of the electronic cash management company; f) subtracting electronic cash to be reverse- recharged from the present balance transmitted into the system of the electronic cash management company; g) transmitting a total amount of electronic cash calculated by subtracting reverse-recharged electronic cash from the present balance and a finish notification indicating that a reverse-recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the Internet network; and h) updating present balance information of the mobile communication device of the user based on the total amount of electronic cash.

21. A method for reverse-recharging electronic cash from a mobile communication device having an electronic cash function into an electronic cash management company, the method comprising the steps of: a) accessing to a system of the electronic cash management company through an Internet network by using the mobile communication device; b) inputting a number of an account and an amount of electronic cash to be reverse-recharged by using an input device installed in the mobile communication device of the user; c ) reading a number of the mobile communication device recorded in a record medium of an information control device installed in the mobile communication device of the user; d) sending the number of the mobile communication device together with the number of the account and the amount of electronic cash to be reverse-recharged, from the mobile communication device to the system of the electronic cash management company through the Internet network; e) determining whether or not the number of the account and the amount of electronic cash to be reverse- recharged are normal by using the system of the electronic cash management company; f) transmitting a finish notification indicating that a reverse-recharge process is normally carried out, from the system of the electronic cash management company to the mobile communication device of the user through the mobile communication network; and g) subtracting recharged electronic cash from a previous balance of electronic cash and updating present balance information of the mobile communication device of the user based on a total amount of electronic cash.

22. An electronic cash management system for carrying out recharge, reverse-recharge, electronic cash-transfer and payment-transfer processes of electronic cash, the electronic cash management system comprising: user's mobile communication devices having an electronic cash function; a mobile communication network and an Internet network for relaying data; an electronic cash terminal of a store having an electronic cash function; and a system of an electronic cash management company having a function of managing electronic cash and an account .

23. A mobile communication device having recharge, reverse-recharge, electronic cash-transfer, payment- transfer, and balance-checking functions for electronic cash, the mobile communication device comprising: a means for transmitting/receiving a signal through a data network; a screen for outputting information; an input button for inputting information; a semiconductor device having information controlling, calculating and recording functions; and an external interface for directly communicating information with other devices .

24. The mobile communication device as claimed in claim 23, wherein a touch screen is provided instead of the input button in order to input information.

25. The mobile communication device as claimed in claim 23, further comprising a touch screen for inputting information.

26. A system of an electronic cash management company for performing recharge and reverse-recharge processes of electronic cash and managing an account of a user, the system comprising: an ARS and an SMS for guiding the user in response to data inputted from the user; a home page server providing a home page to the user; and a computer for controlling, calculating, recording and managing data.

27. An electronic cash terminal system used in a store having payment-transfer and balance-checking functions of electronic cash, the electronic cash terminal system comprising: a means for transmitting/receiving a signal through a data network; a screen for outputting information; an input button for inputting information; a semiconductor device having information controlling, calculating and recording functions; and an external interface for directly communicating information with a mobile communication device having an electronic cash function.

28. The electronic cash terminal system as claimed in claim 27, wherein a touch screen is provided instead of the input button in order to input information.

29. The electronic cash terminal system as claimed in claim 27, further comprising a touch screen for inputting information.

30. An electronic cash terminal system used in a store having reverse-recharge, electronic cash-transfer, payment-transfer and balance-checking functions for electronic cash, the electronic cash terminal system comprising: a means for transmitting/receiving a signal through a data network; a screen for outputting information; an input button for inputting information; a semiconductor device having information controlling, calculating and recording functions; and an external interface for directly communicating information with a mobile communication device having an electronic cash function.

31. The electronic cash terminal system as claimed in claim 30, wherein a touch screen is provided instead of the input button in order to input information.

32. The electronic cash terminal system as claimed in claim 30, further comprising a touch screen for inputting information.

33. A mobile communication device comprising a means for transferring a value of electronic cash from an account of a financial agency to the mobile communication device by using a mobile phone communication and for adding the value of electronic cash to a value recorded in a memory device of the mobile communication device capable of memorizing the value of electronic cash.

34. A portable mobile communication system carrying out a recharge function by receiving a value of electronic cash from a system of an electronic cash management company, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters; a third system for transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a mobile communication network or an Internet network; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

35. The portable mobile communication system as claimed in claim 34, further comprising a fifth system for electronically calculating the amount of electronic cash.

36. A portable mobile communication system carrying out a reverse-recharging function by transferring a value of electronic cash to a system of an electronic cash management company, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters; a third system for transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a mobile communication network or an Internet network; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

37. The portable mobile communication system as claimed in claim 36, further comprising a fifth system for electronically calculating the amount of electronic cash.

38. A portable mobile communication system carrying out an electronic cash-transfer function by transferring a value of electronic cash from a first mobile communication system to a second mobile communication system, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters ; a third system for transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a mobile communication network or an Internet network; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

39. A portable mobile communication system carrying out an electronic cash-transfer function by transferring a value of electronic cash from a first mobile communication system to a second mobile communication system, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters; a third system for electronically transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a contact-type communication network; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

40. A portable mobile communication system carrying out an electronic cash-transfer function by transferring a value of electronic cash from a first mobile communication system to a second mobile communication system, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters; a third system for electronically transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a non-contact type short distance wireless communication manner; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

41. The portable mobile communication system as claimed in claim 40, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

42. The portable mobile communication system as claimed in claim 40, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

43. The portable mobile communication system as claimed in claim 40, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

44. A portable mobile communication system carrying out a payment-transfer function by transferring a value of electronic from the portable mobile communication system to an electronic cash terminal for a store, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters; a third system for electronically transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a contact-type communication network; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

45. A portable mobile communication system carrying out a payment-transfer function by transferring a value of electronic cash from the portable mobile communication system to an electronic cash terminal for a store, the portable mobile communication system comprising: a first system for processing data inputted from an external input device to represent numerical letters and orders; a second system for outputting electronic data to an exterior in the form of sound or characters; a third system for electronically transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a non-contact type short distance wireless communication manner; and a fourth system for electronically writing, reading and storing an amount of electronic cash.

46. The portable mobile communication system as claimed in claim 45, wherein the non-contact type short distance wireless communication manner includes an infrared communication network.

47. The portable mobile communication system as claimed in claim 45, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

48. The portable mobile communication system as claimed in claim 45, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication network.

49. The portable mobile communication system as claimed in any one of claims 44 to 48, further comprising a fifth system for electronically calculating the amount of electronic cash.

50. A portable mobile communication system for checking a present balance of an electronic cash value recorded therein, the portable mobile communication system comprising: a first system for inputting an order for performing a balance-checking function; a second system for electronically memorizing information about the electronic cash value; and a third system for outputting electronically memorized information of the electronic cash value in the form of sound, or numerical letters and characters.

51. A portable mobile communication system for checking transaction details memorized therein, the portable mobile communication system comprising: a first system for inputting an order for performing a transaction-checking function; a second system for electronically memorizing information about the transaction details including a transaction date and an amount of electronic cash used for a transaction; and a third system for outputting electronically memorized information of the transaction details in the form of sound, or numerical letters and characters.

52. A mobile communication management system carrying out a recharge function by transferring a value of electronic cash from a system of an electronic cash management company to a portable mobile communication system, the mobile communication management system comprising: a mobile communication network for transferring electronic information and data relating to the value of electronic cash; and a system for relaying electronic information and data relating to the value of electronic cash.

53. An Internet management system carrying out a recharge function by transferring a value of electronic cash from a system of an electronic cash management company to a portable mobile communication system, the Internet management system comprising an Internet-relay computer for transferring electronic information and data relating to the value of electronic cash.

54. A mobile communication management system carrying out a reverse-recharge function by transferring a value of electronic cash from a portable mobile communication system into a system of an electronic cash management company, the mobile communication management system comprising: a mobile communication network for transferring electronic information and data relating to the value of electronic cash; and a system for relaying electronic information and data relating to the value of electronic cash.

55. An Internet management system carrying out a reverse-recharge function by transferring a value of electronic cash from a portable mobile communication system into a system of an electronic cash management company, the Internet management system comprising an Internet-relay computer for transferring electronic information and data relating to the value of electronic cash.

56. A mobile communication management system carrying out an electronic cash-transfer function by transferring a value of electronic cash from a first portable mobile communication system into a second portable mobile communication system, the mobile communication management system comprising: a mobile communication network for transferring electronic information and data relating to the value of electronic cash; and a system for relaying electronic information and data relating to the value of electronic cash.

57. An Internet management system carrying out an electronic cash-transfer function by transferring a value of electronic cash from a first portable mobile communication system into a second portable mobile communication system, the Internet management system comprising an Internet-relay computer for transferring electronic information and data relating to the value of electronic cash.

58. A system of an electronic cash management company carrying out a recharge function by transferring a value of electronic cash to a portable mobile communication system, the system comprising: a memory device for storing information about an electronic cash value; and a computer system for processing information relating to electronic cash.

59. A system of an electronic cash management company carrying out a reverse-recharge function by receiving a value of electronic cash from a portable mobile communication system, the system comprising: a memory device for storing information about an electronic cash value; and a computer system for processing information relating to electronic cash.

60. A method for performing a payment-transfer process by transferring a value of electronic cash from a portable mobile communication device having an electronic cash function to an electronic cash terminal of a store without using a network by allowing the portable mobile communication device to electronically communicate with the electronic cash terminal through making contact with the electronic cash terminal by using external interfaces installed in the portable mobile communication device and the electronic cash terminal of the store, respectively, the method comprising the steps of: a) transmitting information including an amount of electronic cash to be paid, from the electronic cash terminal to the portable mobile communication device through the external interface of the electronic cash terminal; b) transmitting information including a device identification code of the portable mobile communication device and a finish notification of the payment-transfer process indicating that the payment-transfer process is normally carried out, from the portable mobile communication device to the electronic cash terminal through the external interface of the portable mobile communication device; c) electronically updating present balance information of the portable mobile communication device stored in a record medium of the portable mobile communication device by subtracting paid electronic cash from a present balance of the portable mobile communication device; and d) electronically updating present balance information of the electronic cash terminal stored in a record medium of the electronic cash terminal by adding to be paid electronic cash to a present balance of the electronic cash terminal.

61. The method as claimed in claim 60, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a non-contact type short distance wireless communication manner.

62. The method as claimed in claim 60, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through an infrared communication manner.

63. The method as claimed in claim 60, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a wireless LAN.

64. The method as claimed in claim 60, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a bluetooth communication manner.

65. The method as claimed in any one of claims 60 to 64, wherein the portable mobile communication device does not transmit the device identification code thereof to the electronic cash terminal of the store.

66. The method as claimed in any one of claims 60 to 65, further comprising a step of allowing the electronic cash terminal to display an amount of electronic cash to be paid on a screen thereof by using numerical letters and characters, or to output the amount electronic cash to be paid through a sound signal.

67. A method for performing a payment-transfer process by transferring a value of electronic cash from a portable mobile communication device having an electronic cash function to an electronic cash terminal of a store without using a network by allowing the portable mobile communication device to electronically communicate with the electronic cash terminal through making contact with the electronic cash terminal by using external interfaces installed in the portable mobile communication device and the electronic cash terminal of the store, respectively, the method comprising the steps of: a) transmitting information including an amount of electronic cash to be paid, from the electronic cash terminal to the portable mobile communication device through the external interface of the electronic cash terminal; b) transmitting information including a device identification code of the portable mobile communication device and a finish notification of the payment-transfer process indicating that the payment-transfer process is normally carried out, from the portable mobile communication device to the electronic cash terminal through the external interface of the portable mobile communication device; c) electronically updating present balance information of the portable mobile communication device stored in a record medium of the portable mobile communication device by subtracting paid electronic cash from a present balance of the portable mobile communication device; d) transmitting electronic cash information to be paid, from the electronic cash terminal to a designated account of a system of an electronic cash management company; and e) electronically updating present balance information of the electronic cash terminal stored in a record medium of the electronic cash terminal by adding electronic cash to be paid to a present balance of the electronic cash terminal.

68. The method as claimed in claim 67, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a non-contact type short distance wireless communication manner.

69. The method as claimed in claim 67, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through an infrared communication manner.

70. The method as claimed in claim 67, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a wireless LAN.

71. The method as claimed in claim 67 , wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a bluetooth communication manner.

72. The method, as claimed in any one. of claims 67 to 71, wherein the portable mobile ^communication device does not transmit the device identification code thereof to the electronic cash terminal of the store.

73. The method as claimed in any one of. claims 67 to 72, further comprising a . step, of allowing the electronic cash terminal to display . an amount of electronic cash to be paid on a screen thereof by using numerical letters and characters, or. to output the amount electronic cash to be paid through a sound signal.

74. A method for performing a recharge process by transferring a value of electronic cash from a system of an electronic cash management company into a portable mobile communication device having an electronic cash function, the method comprising the steps of: a) accessing to the system of the electronic cash management company through a mobile communication network or an Internet network by using the portable mobile communication device; b) electronically transmitting information about electronic cash to be recharged, which is inputted by a user, from the portable mobile communication device to the system of the electronic cash management company; and c ) updating present balance information of the portable mobile communication device stored in a memory device of the portable mobile communication device by adding electronic cash to be recharged to a present balance of the portable mobile communication device.

75. A method for performing a reverse-recharge process by transferring a value of electronic cash into a system of an electronic cash management company from a portable mobile communication device having an electronic cash function, the method comprising the steps of: a) accessing to the system of the electronic cash management company through a mobile communication network or an Internet network by using the portable mobile communication device; b) electronically transmitting information about electronic cash to be reverse-recharged, which is inputted by a user, from the portable mobile communication device to the system of the electronic cash management company; and c) updating present balance information of the portable mobile communication device stored in a memory device of the portable mobile communication device by subtracting electronic cash to be reverse-recharged from a present balance of the portable mobile communication device.

76. A method for performing an electronic cash- transfer process by transferring a value of electronic cash from a first user's portable mobile communication device having an electronic cash function into a second user's portable mobile communication device having an electronic cash function, the method comprising the steps of: a) connecting the first user's portable mobile communication device to the second user's portable mobile communication device through a mobile communication network or an Internet network; b) transmitting information about electronic cash to be transferred from the first user's portable mobile communication device to the second user's portable mobile communication device; c) updating present balance information of the first user's portable mobile communication device stored in a memory device of the first user's portable mobile communication device by subtracting electronic cash to be transferred from a present balance of the first user's portable mobile communication device; and d) updating present balance information of the second user's portable mobile communication device stored in a memory device of the second user's portable mobile communication device by adding electronic cash to be transferred to a present balance of the portable mobile communication device.

77. A method for performing an electronic cash- transfer process by transferring a value of electronic cash from a first user's portable mobile communication device having an electronic cash function to a second user's portable mobile communication device without using a network by allowing the first user's portable mobile communication device to electronically communicate with the second user's portable mobile communication device through a contact-type electronic signal communication manner by using external interfaces installed in the first user's portable mobile communication device and the second user's portable mobile communication device, respectively, the method comprising the steps of: a) transmitting information about electronic cash to be transferred from the first user's portable mobile communication device to the second user's portable mobile communication device; b) updating present balance information of the first user's portable mobile communication device stored in a memory device of the first user's portable mobile communication device by subtracting electronic cash to be transferred from a present balance of the first user's portable mobile communication device; and c) updating present balance information of the second user's portable mobile communication device stored in a memory device of the second user's portable mobile communication device by adding electronic cash to be transferred to a present balance of the portable mobile communication device.

78. The method as claimed in claim 77, wherein electronic signals are communicated between the first and second user's portable mobile communication devices through a non-contact type short distance wireless communication manner.

79. The method as claimed in claim 77, wherein electronic signals are communicated between the first and second user's portable mobile communication devices through an infrared communication manner.

80. The method as claimed in claim 77, wherein electronic signals are communicated between first and second user's portable mobile communication devices through a wireless LAN.

81. The method as claimed in claim 77, wherein electronic signals are communicated between the first and second user's portable mobile communication devices through a bluetooth communication manner.

82. A method for performing a payment-transfer process by transferring a value of electronic cash from a portable mobile communication device having an electronic cash function to an electronic cash terminal of a store without using a network by allowing the portable mobile communication device to electronically communicate with the electronic cash terminal through a contact-type electronic signal communication manner by using external interfaces installed in the portable mobile communication device and the electronic cash terminal of the store, respectively, the method comprising the steps of: a) electronically transmitting information including an amount of electronic cash to be paid and a device identification code of the portable mobile communication device, from the portable mobile communication device into the electronic cash terminal through the external interface of the portable mobile communication device; b) transmitting a finish notification of the payment-transfer process indicating that the payment- transfer process is normally carried out, from the electronic cash terminal into the portable mobile communication device through the external interface of the electronic cash terminal; c) electronically updating present balance information of the portable mobile communication device stored in a record medium of the portable mobile communication device by subtracting paid electronic cash from a present balance of the portable mobile communication device; and d) electronically updating present balance information of the electronic cash terminal stored in a record medium of the electronic cash terminal by adding electronic cash to be paid to a present balance of the electronic cash terminal.

83. The method as claimed in claim 82, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a non-contact type short distance wireless communication manner.

84. The method as claimed in claim 82, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through an infrared communication manner.

85. The method as claimed in claim 82, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a wireless LAN.

86. The method as claimed in claim 82, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a bluetooth communication manner.

87. The method as claimed in any one of claims 82 to 86, wherein the portable mobile communication device does not transmit the device identification code thereof to the electronic cash terminal of the store.

88. The method as claimed in any one of claims 82 to 87, further comprising a step of allowing the electronic cash terminal to display an amount of electronic cash to be paid on a screen thereof by using numerical letters and characters, or to output the amount electronic cash to be paid through a sound signal.

89. A method for performing a payment-transfer process by transferring a value of electronic cash from a portable mobile communication device having an electronic cash function to an electronic cash terminal of a store without using a network by allowing the portable mobile communication device to electronically communicate with the electronic cash terminal through a contact-type electronic signal communication manner by using external interfaces installed in the portable mobile communication device and the electronic cash terminal of the store, respectively, the method comprising the steps of: a) electronically transmitting information including an amount of electronic cash to be paid and a device identification code of the portable mobile communication device, from the portable mobile communication device into the electronic cash terminal through the external interface of the portable mobile communication device; b) transmitting a finish notification of the payment-transfer process indicating that the payment- transfer process is normally carried out, from the electronic cash terminal into the portable mobile communication device through the external interface of the electronic cash terminal; c) electronically updating present balance information of the portable mobile communication device stored in a record medium of the portable mobile communication device by subtracting paid electronic cash from a present balance of the portable mobile communication device; d) transmitting electronic cash information to be paid, from the electronic cash terminal to a designated account of a system of an electronic cash management company; and d) electronically updating present balance information of the system of the electronic cash management company stored in a record medium of the. system of the electronic cash management company by adding electronic cash to be paid to a present balance of the system of the electronic cash management company.

90. The method as claimed in claim 89, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a non-contact type short distance wireless communication manner.

91. The method as claimed in claim 89, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through an infrared communication manner.

92. The method as claimed in claim 89, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a wireless LAN.

93. The method as claimed in claim 89, wherein electronic signals are communicated between the portable mobile communication device and the electronic cash terminal of the store through a bluetooth communication manner.

94. The method as claimed in any one of claims 89 to 93, wherein the portable mobile communication device does not transmit the device identification code thereof to the electronic cash terminal of the store.

95. The method as claimed in any one of claims 89 to 94, further comprising a step of allowing the electronic cash terminal to display an amount of electronic cash to be paid on a screen thereof by using numerical letters and characters, or to output the amount electronic cash to be paid through a sound signal.

96. An electronic cash terminal system for a store carrying out a payment-transfer process by receiving a value of electronic cash from a portable mobile communication system, the electronic cash terminal system comprising: a data processing system for processing data inputted from an external input device to represent numerical letters and orders; an output system for outputting electronic data to an exterior in the form of sound or characters; a first system for electronically transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a contact-type electronic signal communication manner; and a second system for electronically writing, reading and storing an amount of electronic cash.

97. An electronic cash terminal system for a store carrying out a payment-transfer process by receiving a value of electronic cash from a portable mobile communication system, the electronic cash terminal system comprising: a data processing system for processing data inputted from an external input device to represent numerical letters and orders; an output system for outputting electronic data to an exterior in the form of sound or characters; a first system for electronically transmitting/receiving electronic data relating to electronic cash and orders for performing functions relating to electronic cash through a non-contact type short distance wireless communication manner; and a second system for electronically writing, reading and storing an amount of electronic cash.

98. The method as claimed in claim 97, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

99. The method as claimed in claim 97, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

100. The method as claimed in claim 97, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

101. The method as claimed in any one of claims 97 to 100, further comprising a third system for electronically calculating the amount of electronic cash.

102. A method for checking present balance information of electronic cash from a portable mobile communication device having an electronic cash function, the method comprising the steps of: a) reading present balance information recorded in a record medium of portable the mobile communication device; and b) outputting present balance information by using a sound signal or displaying present balance information on a screen by using numerical letters and characters .

103. A method for checking transaction information of electronic cash from a portable mobile communication device having an electronic cash function, the method comprising the steps of: a) reading information in connection with a transaction including a transaction date and an amount of electronic cash used for the transaction recorded in a record medium of the portable mobile communication device; and b) displaying transaction information on a screen of the mobile communication device by using numeral letters or characters.

104. A portable mobile communication system carrying out an electronic cash recharge function, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for transmitting information including an amount of electronic cash to be recharged to a system of an electronic cash management company and electronically receiving information including a finish notification of a recharge process from the system of the electronic cash management company through a mobile communication network, an Internet network or a cable communication network, or through a combination of said networks ; and a second system for memorizing information regarding the amount of electronic cash.

105. The portable mobile communication system as claimed in claim 104, further comprising a third system for electronically calculating the amount of electronic cash.

106. A portable mobile communication system carrying out an electronic cash reverse-recharge function, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for transmitting information including an amount of electronic cash to be reverse- recharged to a system of an electronic cash management company and electronically receiving information including a finish notification of a recharge process from the system of the electronic cash management company through a mobile communication network, an Internet network or a cable communication network, or through a combination of said networks; and a second system for memorizing information regarding the amount of electronic cash.

107. The portable mobile communication system as claimed in claim 106, further comprising a third system for electronically calculating the amount of electronic cash.

108. A portable mobile communication system carrying out an electronic cash-transfer function, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for transmitting information including an amount of electronic cash to be transferred to another portable mobile communication systems and electronically receiving information including a finish notification of an electronic cash-transfer process from another portable mobile communication systems through a mobile communication network, an Internet network or a cable communication network, or through a combination of said networks; and a second system for memorizing information regarding the amount of electronic cash.

109. A portable mobile communication system carrying out an electronic cash-transfer function, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for transmitting information including an amount of electronic cash to be transferred to another portable mobile communication systems and receiving information including a finish notification of an electronic cash-transfer process from another portable mobile communication systems through a contact- type electronic signal communication manner; and a second system for memorizing information regarding the amount of electronic cash.

110. The portable mobile communication system as claimed in claim 109, wherein electronic signals are communicated between the portable mobile communication system and another portable mobile communication systems through a non-contact type short distance wireless communication manner, instead of the contact-type electronic signal communication manner.

111. The portable mobile communication system as claimed in claim 110, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

112. The portable mobile communication system as claimed in claim 110, wherein the non-contact type short distance wireless communication manner includes an RF communication manner.

113. The portable mobile communication system as claimed in claim 110, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

114. The portable mobile communication system as claimed in claim 110, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

115. The portable mobile communication system as claimed in any one of claims 108 to 114, further comprising a third system for electronically calculating the amount of electronic cash.

116. A portable mobile communication system carrying out a payment-transfer function for electronic cash, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for transmitting information including an amount of electronic cash to be paid to an electronic cash terminal system of a store and electronically receiving information including a finish notification of a payment-transfer process from the electronic cash terminal system of the store through a mobile communication network, an Internet network or a cable communication network, or through a combination of said networks; and a second system for memorizing information regarding the amount of electronic cash.

117. A portable mobile communication system carrying out a payment-transfer function for electronic cash, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for transmitting information including an amount of electronic cash to be paid to an electronic cash terminal system of a store and electronically receiving information including a finish notification of a payment-transfer process from the electronic cash terminal system of the store through a contact-type electronic signal communication manner; and a second system for memorizing information regarding the amount of electronic cash.

118. The portable mobile communication system as claimed in claim 117, wherein electronic signals are communicated between the portable mobile communication system and the electronic cash terminal system of the store through a non-contact type short distance wireless communication manner, instead of the contact-type electronic signal communication manner.

119. The portable mobile communication system as claimed in claim 118, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

120. The portable mobile communication system as claimed in claim 118, wherein the non-contact type short distance wireless communication manner includes an RF communication manner.

121. The portable mobile communication system as claimed in claim 118, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

122. The portable mobile communication system as claimed in claim 118, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

123. The portable mobile communication system as claimed in any one of claims 116 to 122, further comprising a third system for electronically calculating the amount of electronic cash.

124. A portable mobile communication system for checking balance information of electronic cash electronically recorded therein, the portable mobile communication system comprising: an input system for receiving information including orders for performing a balance-checking function and processing inputted information; a system for electronically memorizing information regarding the balance of electronic cash; and an output system for outputting electronic cash balance information, which is electronically memorized in the system, to an exterior as sound information or visual information including numerical letters and characters.

125. A portable mobile communication system for checking transaction details of electronic cash electronically recorded therein, the portable mobile communication system comprising: an input system for inputting information including orders for performing a transaction-checking function and processing inputted information; a system for electronically memorizing transaction information including a transaction date and an amount of electronic cash used for a transaction; and an output system for outputting transaction information including the transaction date and the amount of electronic cash used for the transaction to an exterior as sound information or visual information including numerical letters and characters .

126. A mobile communication network operating system for transferring information with regard to an amount of electronic cash to recharge electronic cash.

127. A cable communication network operating system for transferring information with regard to an amount of electronic cash to recharge electronic cash.

128. An Internet computer system for electronically transferring information with regard to an amount of electronic cash to recharge electronic cash.

129. A mobile communication network operating system for transferring information with regard to an amount of electronic cash to reverse-recharge electronic cash.

130. A cable communication network operating system for transferring information with regard to an amount of electronic cash to reverse-recharge electronic cash.

131. An Internet computer system for electronically transferring information with regard to an amount of electronic cash to reverse-recharge electronic cash.

132. A mobile communication network operating system for transferring information with regard to an amount of electronic cash to perform an electronic cash- transfer.

133. A cable communication network operating system for transferring information with regard to an amount of electronic cash to perform an electronic cash- transfer.

134. An Internet computer system for electronically transferring information with regard to an amount of electronic cash to perform an electronic cash-transfer .

135. A mobile communication network operating system for transferring information with regard to an amount of electronic cash to perform a payment-transfer of electronic cash.

136. A cable communication network operating system for transferring information with regard to an amount of electronic cash to perform a payment-transfer of electronic cash.

137. An Internet computer system for electronically transferring information with regard to an amount of electronic cash to perform a payment- transfer of electronic cash.

138. A system of an electronic cash management company carrying out a recharge of electronic cash, the system comprising: a system for electronically memorizing information regarding an amount of electronic cash; and a computer system for electronically processing a recharge order of electronic cash and calculating electronic cash to be recharged.

139. A system of an electronic cash management company carrying out a reverse-recharge of electronic cash, the system comprising: a system for electronically memorizing information regarding an amount of electronic cash; and a computer system for electronically processing a reverse-recharge order of electronic cash and calculating electronic cash to be reverse-recharged.

140. A system as claimed in claim 138 or 139, further comprising an ARS system for automatically responding to information transmitted from a portable mobile communication system.

141. A system as claimed in any one of claims 138 to 140, further comprising an SMS system for transmitting a character massage.

142. A method for recharging electronic cash into a portable mobile communication device, the method comprising the steps of: a) connecting the portable mobile communication device to a system of an electronic cash management company through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; b) transmitting information regarding an amount of electronic cash to be recharged, which is inputted by a user, from the portable mobile communication device to the system of the electronic cash management company through the mobile communication ^• network, the cable communication network or the Internet network, or through a combination of said networks; c) electronically transmitting information regarding a finish notification of a recharge process, from the system of the electronic cash management company to the portable mobile communication device through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; and d) electronically updating and memorizing present balance information of the portable mobile communication device, which is electronically recorded in a memory device of the portable mobile communication device, by adding recharged electronic cash to present balance information of the portable mobile communication device.

143. A method as claimed in claim 142, further comprising a step of electronically updating and memorizing present balance information, which is electronically recorded in a designated account stored in the system of the electronic cash management company, by subtracting recharged electronic cash from present balance information recorded in the designated account.

144. A method for reverse-recharging electronic cash into a system of an electronic cash management- company, the method comprising the steps of: a) connecting the portable mobile communication device to the system of the electronic cash management company through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; b) transmitting information regarding an amount of electronic cash to be reverse-recharged, which is inputted by a user, from the portable mobile communication device to the system of the electronic cash management company through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; c) electronically transmitting information regarding a finish notification of a reverse-recharge process, from the system of the electronic cash management company to the portable mobile communication device through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; and d) electronically updating and memorizing present balance information of the portable mobile communication device, which is electronically recorded in a memory device of the portable mobile communication device, by subtracting reverse-recharged electronic cash from present balance information of the portable mobile communication device.

145. A method as claimed in claim 144, further comprising a step of electronically updating and memorizing present balance information, which is electronically recorded in a designated account stored in the system of the electronic cash management company, by adding reverse-recharged electronic cash to present balance information recorded in the designated account.

146. A method for transferring electronic cash from a first user's portable mobile communication device to a second user's portable mobile communication device, the method comprising the steps of: a) connecting the first user's portable mobile communication device to the second user's portable mobile communication device through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; b) transmitting information regarding an amount of electronic cash to be transferred, from the first user's portable mobile communication device to the second user's portable mobile communication device through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; c) electronically transmitting information regarding a finish notification of an electronic cash- transfer process, from the second user's portable mobile communication device to the first user's portable mobile communication device through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; d) electronically updating and memorizing present balance information of the first user's portable mobile communication device, which is electronically recorded in a memory device of the first user's portable mobile communication device, by subtracting electronic cash to be transferred from present balance information of the first user's portable mobile communication device; and e) electronically updating and memorizing present balance information of the second user's portable mobile communication device, which is electronically recorded in a memory device of the second user's portable mobile communication device, by adding electronic cash to be transferred to present balance information of the second user's portable mobile communication device.

147. A method for transferring electronic cash from a first user's portable mobile communication device to a second user's portable mobile communication device, the method comprising the steps of: a) transmitting information regarding an amount of electronic cash to be transferred, from the first user's portable mobile communication device to the second user's portable mobile communication device through a contact-type electronic signal communication manner by using interfaces installed at the first and second user's portable mobile communication devices, respectively; b) electronically transmitting information regarding a finish notification of an electronic cash- transfer process, from the second user's portable mobile communication device to the first user's portable mobile communication device through the contact-type electronic signal communication manner; c) electronically updating and memorizing present balance information of the first user's portable mobile communication device, which is electronically recorded in a memory device of the first user's portable mobile communication device, by subtracting electronic cash to be transferred from present balance information of the first user's portable mobile communication device; and d) electronically updating and memorizing present balance information of the second user's portable mobile communication device, which is electronically recorded in a memory device of the second user's portable mobile communication device, by adding electronic cash to be transferred to present balance information of the second user's portable mobile communication device.

148. A method as claimed in claim 147, wherein electronic signals are communicated between first and second user's portable mobile communication devices through a non-contact type short distance wireless communication manner.

149. A method as claimed in claim 147 or 148, further comprising a step of transmitting identification information of the first user's portable mobile communication device to the second user's portable mobile communication device.

150. A method for performing a payment-transfer by using electronic cash from a portable mobile communication system to an electronic cash terminal system of a store, the method comprising the steps of: a) connecting the portable mobile communication system to the electronic cash terminal system through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; b) transmitting information regarding an amount of electronic cash to be paid, from the portable mobile communication system to the electronic cash terminal system through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; c) electronically transmitting information regarding a finish notification of a payment-transfer process, from the electronic cash terminal system of the store to the portable mobile communication system through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; d) electronically updating and memorizing present balance information of the portable mobile communication system, which is electronically recorded in a memory device of the portable mobile communication system, by subtracting electronic cash to be paid from present balance information of the portable mobile communication system; and e) electronically updating and memorizing present balance information of the electronic cash terminal system of the store, which is electronically recorded in a memory device of the electronic cash terminal system of the store, by adding electronic cash to be paid to present balance information of the electronic cash terminal system of the store.

151. A method for performing a payment-transfer by using electronic cash from a portable mobile communication system to an electronic cash terminal system of a store, the method comprising the steps of: a) transmitting information regarding an amount of electronic cash to be paid, from the portable mobile communication system to the electronic cash terminal system through a contact-type electronic signal communication manner; b) transmitting information regarding a finish notification of a payment-transfer process, from the electronic cash terminal system of the store to the portable mobile communication system through the contact-type electronic signal communication manner; c) electronically updating and memorizing present balance information of the portable mobile communication system, which is electronically recorded in a memory device of the portable mobile communication system, by subtracting electronic cash to be paid from present balance information of the portable mobile communication system; and d) electronically updating and memorizing present balance information of the electronic cash terminal system of the store, which is electronically recorded in a memory device of the electronic cash terminal system of the store, by adding electronic cash to be paid to present balance information of the electronic cash terminal system of the store.

152. A method as claimed in claim 151, wherein electronic signals are communicated between the portable mobile communication system and the electronic cash terminal system of the store through a non-contact type short distance wireless communication manner.

153. A method as claimed in claim 151 or 152, further comprising a step of displaying the amount of electronic cash to be paid by using numerical letters or characters , or outputting the amount of electronic cash to be paid by using sound.

154. A method as claimed in any one of claims 151 to 153, further comprising a step of transmitting identification information of the portable mobile communication system to the electronic cash terminal system of the store.

155. A method for performing a payment-transfer by using electronic cash from a portable mobile communication system to an electronic cash terminal system of a store, the method comprising the steps of: a) connecting the portable mobile communication system to the electronic cash terminal system through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; b) transmitting information regarding an amount of electronic cash to be paid, from the electronic cash terminal system to the portable mobile communication system through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; c) electronically transmitting information regarding a finish notification of a payment-transfer process, from the portable mobile communication system to the electronic cash terminal system of the store through the mobile communication network, the cable communication network or the Internet network, or through a combination of said networks; d) electronically updating and memorizing present balance information of the portable mobile communication system, which is electronically recorded in a memory device of the portable mobile communication system, by subtracting electronic cash to be paid from present balance information of the portable mobile communication system; and e) electronically updating and memorizing present balance information of the electronic cash terminal system of the store, which is electronically recorded in a memory device of the electronic cash terminal system of the store, by adding electronic cash to be paid to present balance information of the electronic cash terminal system of the store.

156. A method for performing a payment-transfer by using electronic cash from a portable mobile communication system to an electronic cash terminal system of a store, the method comprising the steps of: a) transmitting information regarding an amount of electronic cash to be paid, from the electronic cash terminal system to the portable mobile communication system through a contact-type electronic signal communication manner; b) electronically transmitting information regarding a finish notification of a payment-transfer process, from the portable mobile communication system to the electronic cash terminal system of the store through the contact-type electronic signal communication manner; c ) electronically updating and memorizing present balance information of the portable mobile communication system, which is electronically recorded in a memory device of the portable mobile communication system, by subtracting electronic cash to be paid from present balance information of the portable mobile communication system; and e) electronically updating and memorizing present balance information of the electronic cash terminal system of the store, which is electronically recorded in a memory device of the electronic cash terminal system of the store, by adding electronic cash to be paid to present balance information of the electronic cash terminal system of the store.

157. A method as claimed in claim 156, wherein electronic signals are communicated between the portable mobile communication system and the electronic cash terminal system of the store through a non-contact type short distance wireless communication manner.

158. A method as claimed in claim 156 or 157, further comprising a step of displaying the amount of electronic cash to be paid by using numerical letters or characters, or outputting the amount of electronic cash to be paid by using sound.

159. A method as claimed in any one of claims 156 to 158, further comprising a step of transmitting identification information of the portable mobile communication system to the electronic cash terminal system of the store.

160. A portable mobile communication system carrying out an electronic cash-transfer function, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically receiving information including an amount of electronic cash to be transferred from another portable mobile communication systems and transmitting information including a finish notification of an electronic cash-transfer process into another portable mobile communication systems through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; and a second system for electronically memorizing information regarding the amount of electronic cash.

161. A portable mobile communication system carrying out an electronic cash-transfer function, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically receiving information including an amount of electronic cash to be transferred from another portable mobile communication systems and transmitting information including a finish notification of an electronic cash-transfer process into another portable mobile communication systems through a contact-type electronic signal communication manner; and a second system for electronically memorizing information regarding the amount of electronic cash.

162. The portable mobile communication system as claimed in claim 161, wherein electronic signals are communicated between the portable mobile communication system and another portable mobile communication systems through a non-contact type short distance wireless communication manner, instead of the contact-type electronic signal communication manner.

163. The portable mobile communication system as claimed in claim 162, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

164. The portable mobile communication system as claimed in claim 162, wherein the non-contact type short distance wireless communication manner includes an RF communication manner.

165. The portable mobile communication system as claimed in claim 162, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

166. The portable mobile communication system as claimed in claim 162, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

167. The portable mobile communication system as claimed in any one of claims 160 to 166, further comprising a third system for electronically calculating the amount of electronic cash.

168. An electronic cash terminal system for a store carrying out a payiΛent-transfer by using electronic cash, the electronic cash terminal system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically receiving information including an amount of electronic cash to be paid from a portable mobile communication system and transmitting information including a finish notification of a payment-transfer process into the portable mobile communication system through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; and a second system for electronically memorizing information regarding the amount of electronic cash.

169. An electronic cash terminal system for a store carrying out a payment-transfer by using electronic cash, the electronic cash terminal system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically receiving information including an amount of electronic cash to be paid from a portable mobile communication system and transmitting information including a finish notification of a payment-transfer process into the portable mobile communication system through an non-contact type electronic signal communication manner; and a second system for electronically memorizing information regarding the amount of electronic cash.

170. The electronic cash terminal system as claimed in claim 169, wherein electronic signals are communicated between the portable mobile communication system and the electronic cash terminal system through a non-contact type short distance wireless communication manner, instead of the contact-type electronic signal communication manner.

171. The electronic cash terminal system portable mobile communication system as claimed in claim 170, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

172. The electronic cash terminal system portable mobile communication system as claimed in claim 170, wherein the non-contact type short distance wireless communication manner includes an RF communication manner.

173. The electronic cash terminal system portable mobile communication system as claimed in claim 170, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

174. The electronic cash terminal system portable mobile communication system as claimed in claim 170, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

175. The electronic cash terminal system portable mobile communication system as claimed in any one of claims 168 to 174, further comprising a third system for electronically calculating the amount of electronic cash.

176. A portable mobile communication system carrying out a payment-transfer by using electronic cash, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically receiving information including an amount of electronic cash to be paid from an electronic cash terminal system of a store and transmitting information including a finish notification of a payment-transfer process into the electronic cash terminal system of the store through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks ; and a second system for electronically memorizing information regarding the amount of electronic cash.

177. A portable mobile communication system carrying out a payment-transfer by using electronic cash, the portable mobile communication system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically receiving information including an amount of electronic cash to be paid from an electronic cash terminal system of a store and transmitting information including a finish notification of a payment-transfer process into the electronic cash terminal system of the store through a non-contact type electronic signal communication manner; and a second system for electronically memorizing information regarding the amount of electronic cash.

178. The portable mobile communication system as claimed in claim 177, wherein electronic signals are communicated between the portable mobile communication system and the electronic cash terminal system through a non-contact type short distance wireless communication manner.

179. The portable mobile communication system as claimed in claim 178, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

180. The portable mobile communication system as claimed in claim 178, wherein the non-contact type short distance wireless communication manner includes an RF communication manner.

181. The portable mobile communication system as claimed in claim 178, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

182. The portable mobile communication system as claimed in claim 178, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner.

183. The portable mobile communication system as claimed in any one of claims 176 to 182, further comprising a third system for electronically calculating the amount of electronic cash.

184. An electronic cash terminal system for a store carrying out a payment-transfer by using electronic cash, the electronic cash terminal system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically transmitting information including an amount of electronic cash to be paid to a portable mobile communication system and electronically receiving information including a finish notification of a payment-transfer process from the portable mobile communication system through a mobile communication network, a cable communication network or an Internet network, or through a combination of said networks; and a second system for electronically memorizing information regarding the amount of electronic cash.

185. An electronic cash terminal system for a store carrying out a payment-transfer by using electronic cash, the electronic cash terminal system comprising: an input system for receiving information including numerical letters and orders and electronically processing information; an output system for outputting electronic data to an exterior as visual information including numerical letters and characters, or as sound information; a first system for electronically transmitting information including an amount of electronic cash to be paid to a portable mobile communication system and electronically receiving information including a finish notification of a payment-transfer process from the portable mobile communication system through a contact- type electronic signal communication manner; and a second system for electronically memorizing information regarding the amount of electronic cash.

186. The electronic cash terminal system as claimed in claim 185, wherein electronic signals are communicated between the portable mobile communication system and the electronic cash terminal system through a non-contact type short distance wireless communication manner.

187. The electronic cash terminal system portable mobile communication system as claimed in claim 186, wherein the non-contact type short distance wireless communication manner includes an infrared communication manner.

188. The electronic cash terminal system portable mobile communication system as claimed in claim 186, wherein the non-contact type short distance wireless communication manner includes an RF communication manner.

189. The electronic cash terminal system portable mobile communication system as claimed in claim 186, wherein the non-contact type short distance wireless communication manner includes a wireless LAN.

190. The electronic cash terminal system portable mobile communication system as claimed in claim 186, wherein the non-contact type short distance wireless communication manner includes a bluetooth communication manner .

191. The electronic cash terminal system portable mobile communication system as claimed in any one of claims 184 to 190, further comprising a third system for electronically calculating the amount of electronic cash.

192. A method for checking transaction details of electronic cash from a portable mobile communication system having an electronic cash function, the method comprising the step of: a) reading balance information of electronic cash, which is electronically recorded in a memory device of the portable mobile communication system; and b) displaying balance information of electronic cash as visual information including numerical letters and characters or outputting balance information of electronic cash as sound information.

193. A method for checking transaction details of electronic cash from a portable mobile communication system having an electronic cash function, the method comprising the step of: a) reading transaction information including a transaction date and an amount of electronic cash used for a transaction, which are electronically recorded in a memory device of the portable mobile communication system; and b) displaying transaction information of electronic cash as visual information including the transaction date and the amount of electronic cash used for the transaction as visual information including letters and characters or outputting transaction information of electronic cash as sound information.