JP2001283133A - Payment system using mobile phone - Google Patents

Abstract

(57) [Summary] [Problem] To realize a settlement system using a mobile phone with high security, quick response, and high convenience by using a mobile phone instead of a magnetic card. SOLUTION: A mobile phone 10 is connected to a 232C / USB line 1.
2, the bank host 30 takes in the telephone number of the mobile phone 10 as an account number via the ATM 20, and performs balance check, deposit / withdrawal, and transfer to the user's account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement system using a mobile telephone which performs settlement of deposits and withdrawals at a bank based on the identification number of the mobile telephone.

[0002]

2. Description of the Related Art Conventionally, a cash card is inserted into an ATM every time a deposit and withdrawal is made using a deposit and withdrawal terminal such as an ATM, and a bank host computer (hereinafter referred to as a bank computer).
There has been a system in which a predetermined amount of money is deposited or withdrawn in a corresponding bank account by accessing a “bank host”), thereby immediately performing settlement of bank account deposits and withdrawals.

[0003] Further, in the case of purchasing goods at a store, each time payment is made using a credit card, the credit card is inserted into a dedicated terminal, the amount of payment is deducted from the bank account, and the payment is made to the store account. By doing so, there is a system that immediately executes settlement.

[0004]

However, in these systems, the bank host is accessed online every time a deposit or withdrawal is made. Therefore, while the security is high, a separate magnetic card must be used each time. There is a problem that the payment method is different for each card, the response is slow, and the operation time is limited. On the other hand, in a payment system using electronic coins for depositing and withdrawing, there is a problem that the operation time is not limited and the response is fast, but a special terminal is required for payment and the security is low. Therefore, no matter which system is used, it is not possible to satisfy various needs of the user.

[0005] The present invention has been made in view of the above situation,
By using a mobile phone instead of a magnetic card,
It is an object of the present invention to provide a payment system using a mobile telephone with high security, quick response, and high convenience.

[0006]

In order to achieve the above object, according to the present invention, a mobile telephone having a storage area in which an identification number assigned to the mobile telephone is stored, and a mobile telephone having an identification number assigned to the mobile telephone. A bank account corresponding to the bank user is stored, and when the mobile phone is connected to a bank host that manages the bank account of the bank, the identification number is fetched from the storage area, and the bank host is connected online. And a deposit / withdrawal terminal that performs balance checking, depositing and withdrawing, and transferring to the user's account specified by the identification number, and the bank host performs deposit and withdrawal from the user's account identified by the identification number. Recognize,
There is provided a settlement system using a mobile telephone for performing settlement of deposits and withdrawals at a bank based on the identification number of the mobile telephone.

That is, the mobile telephone is, for example, 232C.
/ Connect to a deposit / withdrawal terminal such as ATM via USB line,
The bank host takes in the telephone number as an account number via an ATM and performs balance checking, depositing and withdrawing, and transferring to the user's account, thereby realizing deposit and withdrawal from an account with high security and quick response. . According to the second aspect of the present invention, a history of a mobile phone having a storage area in which an identification number assigned to the mobile phone is stored and a history of a bank account corresponding to the identification number assigned to the mobile phone are stored. When the mobile phone is connected to the bank host that manages the bank's deposit account, the identification number is fetched from the storage area and connected to the bank host, and the specified use including the identification number is performed. An information terminal for making a balance check for the account of the person, a request for transmission of history information and a request for transfer, wherein the bank host transmits the balance check and history information to the information terminal in response to the transmission request, and Payment is made at a bank based on the identification number of the mobile phone, and the information terminal has a history storage area for recording received history information, so that Was connected to the information terminal such as a personal computer for home, receives the history information to the user's account from a bank host, is stored in the history storage area, it is possible to allow the display or the like as needed.

According to a third aspect of the present invention, a mobile telephone having a storage area in which an identification number assigned to the mobile telephone is stored, and a bank account corresponding to the identification number assigned to the mobile telephone are stored. When the mobile phone is connected to a bank host that manages the bank's deposit account, the identification number is fetched from the storage area,
A payment terminal connected to a bank host to make a payment request including the identification number and the payment amount information, wherein the bank host responds to the payment request from the connected payment terminal,
By paying the payment amount from the user's account specified by the identification number and performing settlement of deposits and withdrawals at a bank based on the identification number of the mobile telephone, the mobile telephone is arranged at a store. Connected to a payment terminal such as a personal computer (hereinafter referred to as "PC"), deducted the payment amount from the user's account, and deposited it into the dealer's account to realize an electronic wallet with high security and quick response can do.

According to a fourth aspect of the present invention, a mobile telephone having a storage area in which an identification number assigned to itself is stored, and a bank account corresponding to the identification number assigned to the mobile telephone are stored. When the mobile phone is connected to a bank host that manages the bank's deposit account, a payment terminal that is connected online with the bank host to make a payment request including the identification number and payment amount information, An information terminal connected to a payment terminal for receiving an identification number from the storage area and requesting a transfer to the specified user's account including the identification number, the payment terminal comprising: The bank host is identified by the identification number in response to a payment request from the connected payment terminal. By paying the payment amount from the user's account and performing settlement of deposits and withdrawals at a bank based on the identification number of the mobile phone, the mobile phone can be connected to a personal computer or a personal computer of a store via the Internet. By connecting to a payment terminal, deducting the payment amount from the user's account, and depositing it into the store's account, an electronic wallet with high security and quick response can be realized.

According to a fifth aspect of the present invention, there is provided a first mobile telephone having a storage area in which an identification number assigned to itself is stored, and requesting transfer to a deposit account corresponding to the identification number; A second mobile telephone having a storage area in which an identification number assigned to itself is stored, and requesting a transfer and withdrawal to a deposit account corresponding to the identification number of the first mobile telephone; A bank account of a bank user corresponding to the identification number assigned to the telephone is stored, the account of the bank is managed, and a line is connected to the first and second mobile telephones. And a bank host that transfers deposits and withdrawals between accounts of the user specified by the identification number in response to a transfer instruction from the mobile phone. By performing the settlement of deposit or withdrawal, performs transfers of withdrawal between account corresponding to the identification number of each mobile phone, it is possible to allow the transfer of funds even further away.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of a settlement system using a mobile telephone according to the present invention will be described with reference to FIGS. FIG. 1 is a configuration diagram showing a configuration of a first embodiment (corresponding to claim 1) of a settlement system using a mobile phone according to the present invention. In the figure, a mobile phone 10 constituting a mobile phone according to the present invention has a 232C / USB line 1 connected to an ATM 20 constituting a deposit / withdrawal terminal according to the present invention.
The ATM 20 is connected to the bank host 30 via a dedicated line 21.

The mobile phone 10 has a storage area 11 in which a telephone number assigned to the mobile phone 10 is stored. The bank host 30 stores a bank account of the user corresponding to the telephone number of the mobile phone 10 owned by each user. And a CPU 32 for inputting and outputting data to and from the ATM 20. When subscribing to a bank account in such a system,
Request to open an account with cash in the application form. In response to this, the bank opens an account, registers the user name, telephone number, personal identification number, and the like in the telephone number account database 31 of the bank host 30, and stores the registered telephone number in the mobile telephone 10
To the user. In addition, the telephone number account database 31
Also records history information such as deposit / withdrawal, transfer, withdrawal and amount of money for each user's account.When registering, the mobile phone number and personal identification number may be registered as the account number. Alternatively, the mobile phone number and personal identification number and the account number may be linked and registered.

When using a system having this configuration,
As shown in FIG. 2, when the mobile phone 10 is connected to the ATM 20 (step 101), the ATM 20 reads out the telephone number stored in the storage area 11 of the mobile phone 10 (step 102), and is then input. The password is output to the bank host 30 together with the password (step 103). The CPU 32 of the bank host 30 checks whether the input telephone number and the password match the numbers registered in the database 31, and if it is correct, the ATM confirms that the match is confirmed.
Inform 20.

Next, the ATM 20 prompts the user to check the balance, select payment, withdraw or transfer (step 104).
Here, when the user selects the balance inquiry, the balance of the user's account recorded in the database 31 of the bank host 30 is captured, and the balance is printed out or displayed and supplied to the user (step). 105). When the user selects payment, cash is input (step 106), and after checking the amount (step 10).
7) Receiving the cash and transmitting the amount information of the deposit to the bank host 30 (step 108). Then, the CPU 32 deposits the relevant user's account in the database 31 to update the contents, and prints out the statement (step 109).

When the user selects withdrawal,
When the amount is input (step 110), it is determined whether or not there is a balance in the user's account sufficient to withdraw the amount (step 111). Here, if the balance is insufficient, the shortage of the balance is displayed on the display unit of the ATM 20 (step 112). If the balance is sufficient, the inputted amount is replaced by the account of the corresponding user. Is debited (step 113), the CPU 32 updates the contents of the user's account in the database 31, and the statement is printed out (step 114).

When the user selects the transfer,
Proceeding to FIG. 3, when the transfer destination is designated (step 11)
5), it is determined whether the transfer is by cash or from an account (step 116). Here, in the case of transfer from an account,
When the amount is input (step 117), it is determined whether or not there is a balance in the user's account sufficient to withdraw the amount (step 118). If the balance is insufficient, the display unit of the ATM 20 is displayed. Is displayed (step 119), and if the balance is sufficient,
The entered amount is debited from the user's account (step 120), and the database 32
In step 12, the account contents of the first user and the first user are updated, and the statement is printed out.
1).

In the case of cash transfer, the amount is entered (step 122), and when cash is inserted (step 123), the amount is confirmed (step 1).
19), the process proceeds to step 120, and the amount entered in the account of the transfer destination is transferred;
Update the contents of the account of the transfer destination user 1 and print out the statement.

As described above, in this embodiment, the portable telephone is connected to the ATM, the bank host takes in the telephone number and the password as the account number via the ATM, and checks the balance of the user's account, deposits and withdraws, and transfers. By doing so, deposits and withdrawals and transfers from accounts with high security and quick response can be performed. FIG. 4 is a configuration diagram showing a configuration of a second embodiment (corresponding to claim 2) of a settlement system using a mobile telephone according to the present invention. In addition,
In the following drawings, the same components as those in FIG.
For convenience of explanation, the same reference numerals are added and the explanation is omitted.

In FIG. 4, a portable telephone 10 is provided with a personal computer 40 constituting an information terminal of the present invention by 232C / USB.
The personal computer 40 is connected to the bank host 30 via the telephone network 22. The personal computer 40 of the user has a history storage area 41 of the present invention for storing the history information of the user's account,
CPU 42 for inputting and outputting data to and from CPU 32 of bank host 30 and display unit 43 for displaying information.
And is configured.

When using a system having this configuration,
As shown in FIG.
Is connected (step 201), the personal computer 40 reads out the telephone number stored in the storage area 11 of the mobile phone 10 (step 202) and connects to the bank host 30 via the telephone network 22 (step 203). Next, when a password is input, both the telephone number and the password are output to the bank host 30 (step 204). The CPU 32 of the bank host 30 checks whether the input telephone number and the password match the numbers registered in the database 31, and if so, informs the personal computer 40 that the match has been confirmed, and inquires of the balance, bookkeeping and transfer. Send a program to do.

The personal computer 40 downloads the above program and prompts the user to check the balance, to make a deposit, to withdraw or to make a transfer (step 205). Here, when the user selects the balance inquiry, the balance of the user's account recorded in the database 31 of the bank host 30 is fetched, and the balance is displayed on the display unit 43 and supplied to the user ( Step 206).

When the user selects the bookkeeping,
The history information of the user's account recorded in the database 31 of the bank host 30 is fetched and recorded in the history storage area 41 (step 207), and the history information is displayed on the display unit 43 and supplied to the user. (Step 208).
When the user selects the transfer, the transfer destination is specified (step 209), and when the amount is input (step 210), the balance for debiting the amount to the corresponding user's account is set. Judge whether there is any
11) If the balance is insufficient, the balance of the balance is displayed on the display unit 43 of the personal computer 40 (step 21).
2) If the balance is sufficient, the input amount is debited from the corresponding user's account and transferred to the transfer destination user's account (step 213). The account of the user of the transfer destination is updated, and the statement is displayed on the display unit 4 of the personal computer 40.
3 is displayed (step 214).

As described above, in this embodiment, the portable telephone is connected to the personal computer, and the bank host takes in the telephone number and the personal identification number as the account number through the personal computer, and performs the balance comparison, the bookkeeping, and the transfer to the user's account. By doing so, it is possible to transfer or transfer history information from an account with high security and quick response. FIG. 6 is a configuration diagram showing a configuration of a third embodiment (corresponding to claim 3) of a settlement system using a mobile telephone according to the present invention.

In the figure, a portable telephone 10 is connected via a 232C / USB line 12 to a personal computer 50 constituting a payment terminal of the present invention, which is arranged at a store, and
0 is connected to the bank host 30 via the dedicated line 23. The personal computer 50 of the store includes a storage area 51 for storing a program for performing a transfer and a payment amount to be input,
It comprises a CPU 52 for inputting / outputting data between the mobile phone 10 and the CPU 32 of the bank host 30, and a display unit 53 for displaying information.

When using the system having this configuration,
As shown in FIG. 7, first, the personal computer 50 of the store is connected online to the bank host 30 via the dedicated line 23, and when the mobile phone 10 is connected (step 30).
1) The telephone number stored in the storage area 11 of the mobile phone 10 is read out (step 302), and when the password is input (step 303), both the telephone number and the password are output to the bank host 30. . Bank host 30 C
The PU 32 checks whether or not the entered telephone number and password match the numbers registered in the database 31, and notifies the personal computer 50 that the match has been confirmed if they are correct.

Next, when the amount is input (step 304), the personal computer 50 captures the balance of the corresponding user's account and determines whether or not this account has a balance sufficient to withdraw the amount (step 304). 305) If the balance is insufficient, a display of the balance shortage is displayed on the display unit 53 of the personal computer 50 (step 306). If the balance is sufficient, the payment amount is confirmed (step 306). (Step 307), the input amount is withdrawn from the corresponding user's account on the designated date and transferred to the store's account (Step 308).

As described above, in this embodiment, the portable telephone is connected to the personal computer of the store, and the bank host takes in the telephone number and the personal identification number as the account number through the personal computer connected online, so that the account of the store can be obtained. By performing the transfer of the input amount, it is possible to perform a transfer with high security and a fast response. Further, in this embodiment, since the input amount is transferred by a personal computer, a special device such as a card reader is not required.

If a mobile phone equipped with an infrared ray is used, the personal identification number can be transmitted by radio. FIG.
FIG. 6 is a configuration diagram showing a configuration of a fourth embodiment (corresponding to claim 4) of a settlement system using a mobile phone according to the present invention. In the figure, a mobile phone 10 is connected to a personal computer 40 as an information terminal via a 232C / USB line 12, and the personal computer 40 is connected to a bank host 30 and a personal computer 50 as a payment terminal of a store via the Internet 24. Have been. Note that the bank host 30 of the present embodiment is
Is also a certificate authority that recognizes users.

When using the system having this configuration,
As shown in FIG. 9, a personal computer 40 as an information terminal and a personal computer 50 as a payment terminal of a store are connected via the Internet 24. PC 4 in this state
When the mobile phone 10 is connected to the mobile phone 10 (step 401), the user specifies purchase of a product on the world wide wave (step 402) and specifies payment in the user's account (step 403). The telephone number stored in the storage area 11 of the telephone 10 is read (step 404). Next, the personal computer 40 is connected to the bank host 30 to confirm the identity of the user (step 40).
5) When the personal identification number is input (Step 406) and the payment amount is input (Step 407), the personal computer 40 outputs the telephone number, the personal identification number and the payment amount information to the bank host 30, and the corresponding user It is determined whether there is a balance enough to withdraw the above amount of money in this account (step 408). If the balance is insufficient, a shortage display of the balance is displayed on the display unit 43 of the personal computer 40. Perform (Step 409). If the balance is sufficient, the payment amount is confirmed (step 4).
10), the bank host 30 debits the input amount from the corresponding user's account on the designated date and transfers it to the store's account (step 411).

Thus, in the present embodiment, the portable telephone is connected to a personal computer at home, the personal computer is connected to a personal computer at a bank host and a store via the Internet, and the personal computer is connected to a personal computer at a world wide wave. The product can be purchased, the bank host takes in the telephone number and the password as the account number, and the input amount is transferred to the account of the store, so that the transfer with high security and quick response can be performed.

FIG. 10 is a configuration diagram showing a configuration of a fifth embodiment (corresponding to claim 5) of a settlement system using a mobile telephone according to the present invention. In the figure, a first mobile phone 10a has a line connected to a bank host 30 via a wireless base station 25a and a telephone line 22a, and a second mobile phone 10b has a wireless base station 25b and a telephone line 22b.
And a line is connected to the bank host 30 via the.

When using the system having this configuration,
As shown in FIG. 11, first, a line connection with the bank host 30 is made by the first mobile phone 10a (step 50).
1) The CPU 32 of the bank host 30
The telephone number stored in the storage area 11a is read (step 502). Next, when a password is input (step 503), the CPU 32 checks whether the input telephone number and the password match the numbers registered in the database 31, and if they match, the next mobile phone 10a.
Accept the operation of

Next, in the first portable telephone 10a,
The transfer destination (user account corresponding to the telephone number of the second mobile phone 10b) is designated (step 50).
4) When a request for transfer and transfer to a user's account corresponding to the telephone number of the mobile phone 10a is made, the CPU 32
Receives an information input from the second mobile phone 10b, which is the other communication partner.

As shown in FIG. 12, the first portable telephone 1
When the second mobile phone 10b makes a line connection with the bank host 30 at substantially the same time as the time 0a (step 601), the CPU 32 of the bank host 30 updates the telephone number stored in the storage area 11b of the mobile phone 10b. Read (step 602). Next, when a password is input (step 6).
03) The CPU 32 checks whether the input telephone number and the password match the numbers registered in the database 31, and if they match, accepts the next operation of the mobile phone 10b.

Next, in the second mobile phone 10b,
By designating the transfer destination (user account corresponding to the telephone number of the first mobile phone 10a) and inputting the transfer amount (steps 604 and 605), the mobile phone is transferred from the user account corresponding to the telephone number of the mobile phone 10b. When a request is made for a transfer and withdrawal to the user's account corresponding to the telephone number of the telephone set 10a, the CPU 32 takes in the balance of the account of the user who makes the transfer and withdraws, and simply debits the above amount into this account. It is determined whether there is a balance (step 606).

Here, when the balance is insufficient, the shortage of the balance is displayed on the display unit of the second mobile phone 10b (step 607). If the balance in the user's account is sufficient, the transfer amount is confirmed in FIGS. 11 and 12 (steps 505 and 608).
Then, in FIG. 12, when the transfer amount is approved (step 609), the first and second mobile phones 10a, 10a, 1
Transfer of deposits and withdrawals between accounts of the user 0b is performed (steps 506 and 610), and after the transfer, the transfer amount and balance are displayed on the display units of the mobile phones 10a and 10b (steps 507 and 611). If the transfer amount is to be changed in step 609, the process proceeds to step 605.
The operation is repeated until the transfer amount is input and the amount is accepted.

As described above, according to the present embodiment, the transfer of deposits and withdrawals between the user's accounts is performed at substantially the same time by connecting the portable telephones to the bank host, so that the transfer between the accounts can be easily performed. , Even if it is far away, it is possible to transfer funds. Therefore, in these embodiments, a mobile phone is used in place of the magnetic card to open an account of the user corresponding to the identification number (telephone number, personal identification number) of the mobile phone, and the user is identified by the identification number. Inquiry of user's account balance, deposit / withdrawal, transfer, disclosure of history, transfer can be performed, thereby increasing security and speeding up response, and various variations to satisfy various needs of users , And a payment system using a highly convenient mobile telephone can be realized.

The present invention is not limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention. For example, it is also possible to adopt the latest technology at each time such as providing an IC chip and a fingerprint recognition system in a mobile phone as a security system.

[0039]

As described above, according to the present invention, a mobile telephone is used in place of a magnetic card, and the balance inquiry, deposit and withdrawal, and transfer of a user's account specified by the identification number of the mobile telephone are performed. Since the history can be disclosed and transferred, a settlement system using a mobile telephone with high security, quick response, and high convenience can be realized.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a configuration of a first embodiment of a payment system using a mobile phone according to the present invention.

FIG. 2 is a flowchart for explaining the operation of the settlement system shown in FIG. 1;

FIG. 3 is a flowchart for explaining the operation of the settlement system shown in FIG. 1;

FIG. 4 is a configuration diagram showing a configuration of a second embodiment of a payment system using a mobile phone according to the present invention.

FIG. 5 is a flowchart for explaining the operation of the settlement system shown in FIG. 4;

FIG. 6 is a configuration diagram showing a configuration of a third embodiment of a payment system using a mobile phone according to the present invention.

FIG. 7 is a flowchart for explaining the operation of the settlement system shown in FIG. 6;

FIG. 8 is a configuration diagram showing a configuration of a fourth embodiment of a payment system using a mobile phone according to the present invention.

9 is a flowchart for explaining the operation of the settlement system shown in FIG.

FIG. 10 is a configuration diagram showing a configuration of a fifth embodiment of a payment system using a mobile phone according to the present invention.

11 is a flowchart for explaining the operation of the settlement system shown in FIG.

12 is a flowchart for explaining the operation of the payment system shown in FIG. 10;

[Explanation of symbols]

 10, 10a, 10b Cellular phone 11, 11a, 11b Storage area 12 232C / USB line 20 ATM 21 Dedicated line 22, 22a, 22b Telephone network 24 Internet 25a, 25b Base station 30 Bank host 31 Telephone number account database 32, 42 CPU 40, 50 Personal computer 41 History storage area 43, 53 Display unit 51 Storage area

Continued on the front page F term (reference) 5B049 BB46 GG02 GG03 GG06 5B055 BB12 BB13 CB09 EE02 EE03 EE12 EE21 5K067 AA34 BB04 DD17 DD29 EE02 EE10 EE16 EE32 HH22 HH23

Claims (6)

[Claims] A mobile phone having a storage area in which an identification number assigned to the mobile phone is stored, and a bank account corresponding to the identification number assigned to the mobile phone are stored. When the bank host that manages the deposit account is connected to the mobile phone, the identification number is fetched from the storage area, and connected to the bank host online, the account of the user specified by the identification number is The bank host recognizes deposits and withdrawals from a user's account specified by the identification number, and performs a bank check based on the identification number of the mobile phone. A settlement system using a mobile telephone, wherein settlement of deposits and withdrawals is performed in a mobile phone. 2. A mobile telephone having a storage area in which an identification number assigned to the mobile telephone is stored, and a history of a bank account of a bank user corresponding to the identification number assigned to the mobile telephone is stored. When the mobile phone is connected to a bank host that manages a bank deposit account, the identification number is fetched from the storage area, and connected to the bank host,
An information terminal for making a balance check for the specified user's account including the identification number, a history information transmission request and a transfer request, and the bank host performs the balance verification and history information in response to the transmission request. The mobile terminal, wherein the information terminal has a history storage area for recording received history information while transmitting the information to the information terminal and making a payment at a bank based on the identification number of the mobile telephone. Payment system using a telephone. 3. A mobile phone having a storage area in which an identification number assigned to the mobile phone is stored, and a bank account corresponding to the identification number assigned to the mobile phone are stored. A bank host that manages a deposit account; and a payment terminal that, when connected to the mobile phone, retrieves an identification number from the storage area and is connected to the bank host to issue a payment request including the identification number and payment amount information. The bank host, in response to a payment request from the connected payment terminal, pays the payment amount from the account of the user specified by the identification number, and based on the identification number of the mobile telephone. A settlement system using a mobile telephone, wherein settlement of deposits and withdrawals at a bank is performed. 4. A mobile telephone having a storage area in which an identification number assigned to the mobile telephone is stored, and a bank account corresponding to the identification number assigned to the mobile telephone is stored. A bank host that manages a deposit account; a payment terminal that is connected online with the bank host to make a payment request including the identification number and the payment amount information; and that when the mobile phone is connected, it is recognized from the storage area. And an information terminal connected to the payment terminal for requesting a transfer to the specified user's account including the identification number, wherein the payment terminal receives the identification number and payment from the information terminal. Incorporating the amount information, the bank host responds to the payment request from the connected payment terminal, from the user's account specified by the identification number Payment system used with pay serial payment amount, a mobile telephone and performs settlement of withdrawal by bank based on the recognition number of the mobile telephone. 5. A first mobile telephone having a storage area in which an identification number assigned to the user is stored, and requesting transfer to a deposit account corresponding to the identification number; A second mobile telephone having a storage area in which an identification number is stored, and requesting a transfer and withdrawal to a deposit account corresponding to the identification number of the first mobile telephone; and The bank account of the bank user corresponding to the identification number is stored, the account of the bank is managed, the line is connected to the first and second mobile telephones, and the transfer instruction from both the mobile telephones is transmitted. A bank host that transfers deposits and withdrawals between accounts of the user specified by the identification number in accordance with the identification number of the mobile telephone. Payment system using a mobile telephone, characterized in that. 6. The transfer deposit request made by the first mobile phone includes the identification number assigned to the second mobile phone and information on the amount of the deposit to be requested. 6. The settlement system using a mobile telephone according to claim 5, wherein the request for the transfer withdrawal includes an identification number assigned to the first mobile telephone and information on the amount of the required withdrawal. .