KR20020021487A - Electronic mail-based remitting server system and electronic mail-based remitting method thereof - Google Patents

Abstract

The present invention relates to an email-based remittance server system and an email-based remittance method.

An email-based remittance method according to the present invention comprises the steps of: (a) receiving a payment from a remitter; (b) receiving recipient information including the recipient's email address from the sender's terminal; (c) sending an email containing remittance information including the remitter and the remittance amount to the recipient's email address; (d) receiving confirmation information from the terminal of the receiver to confirm that the receiver is a qualified receiver; (e) transmitting receiving method guide information in which at least one receiving method is guided to the receiver terminal; (f) receiving receiving method selection information selected by the recipient from the recipient's terminal; And (g) allowing the remittance to be paid to the recipient according to the received method selection information. Thereby, an email-based remittance server system and an email-based remittance method which can be easily remitted even without knowing the other party's account number are provided.

Description

Electronic mail-based remitting server system and electronic mail-based remitting method

The present invention relates to an email-based remittance server system and an email-based remittance method.

Financial institutions have established a common financial network to carry out online remittance services for more convenient financial transactions. Recently, they have provided Internet banking services through the Internet. Accordingly, a remitter who wishes to transfer cash can transfer money in his or her savings account to another person's account by accessing the Internet through a computer without directly visiting an offline financial institution's office.

However, in order to transfer money through an Internet banking service, the other party's account bank and account number must be known. Therefore, when the sender does not have the other party's account number recorded correctly, there is a hassle to obtain the other party's account number through a phone call. Moreover, if an error occurs in the process of obtaining the other party's account number or entering it online, the money may be transferred to another account because it is not easy to transfer the money back to another person's account and not to return the wrong transfer. There is always anxiety about not knowing.

This problem is even more so in the case of one-time remittances, such as congratulations or condolences on hardships. Furthermore, if it is difficult to deliver congratulations or condolences directly in the event, it is not easy to obtain an account number for the other party, even if you wish to make an online transfer and it is not common to provide an account number for the other party. If the message is sent, the sender's message cannot be added, so it is not easy for the sender to properly convey the meaning.

Accordingly, it is an object of the present invention to provide an email-based remittance server system and an email-based remittance method that can be easily remitted without knowing the other party's account number.

Another object of the present invention is to provide an email-based remittance server system and an email-based remittance method capable of remitting in a desired manner according to a recipient's preference.

It is still another object of the present invention to provide an email-based remittance server system and an email-based remittance method for notifying a receiver of an e-mail using a debit card whenever a debit card is used.

1 is an application of the email-based remittance server system 1 according to a preferred embodiment of the present invention,

2 is a block diagram of the email-based money transfer server system 1 of FIG.

3 is an embodiment of the email-based remittance server system 1 of FIG.

4 is an exemplary diagram of an email sent to a recipient by a mail server 27;

5A and 5B are exemplary views of a recipient confirmation page,

6 is an exemplary view of a receiving method selection page for a recipient to select a receiving method;

7 is a schematic diagram of a debit card registration page for the recipient receiving the debit card,

8 is a flowchart for explaining an email-based remittance method of the email-based remittance server system 1;

9 is a flowchart illustrating a procedure for notifying usage details after registering a debit card.

* Explanation of symbols for the main parts of the drawings

1: Email based remittance server system 3: Remitter terminal

3 ': recipient terminal 5: Internet

7: financial transaction system 20: server

21: Member Database 22: Billing Information Database

23: Recipient Information Database 24: Payment Information Database

25: debit card information database 26: payment server

27: mail server 28: payment server

281: Recipient Confirmation Module 282: Payment Module

The object is, according to the present invention, the step of receiving a payment from the remitter; (b) receiving recipient information including the recipient's email address from the sender's terminal; (c) sending an email containing remittance information including the remitter and the remittance amount to the recipient's email address; (d) receiving confirmation information from the terminal of the receiver to confirm that the receiver is a qualified receiver; (e) transmitting receiving method guide information in which at least one receiving method is guided to the receiver terminal; (f) receiving receiving method selection information selected by the recipient from the recipient's terminal; And (g) causing the remittance to be paid to the recipient according to the received method selection information.

Step (c) preferably further includes (c ') sending a notification mail notifying that the email has been sent to the remitter.

The step (a) may include the step of (a1) receiving the transfer amount from the transfer account of the sender to a predetermined account through online, or (a2) receiving the payment amount with a credit card through online. desirable.

In the e-mail of step (c), a recipient confirmation page having an input form for receiving the confirmation information of step (d) is linked.

In the step (d), (d ') preferably receives the confirmation information input to the input form.

The remittance information further includes a message sent by the remitter to the recipient,

It is effective that the confirmation information includes the e-mail address and name of the recipient.

In addition, the receiving method guide information, the method of receiving the remittance of the remittance money (①), the method of receiving the cyber money in the cyber account that the recipient can purchase the goods on-offline (On), on More preferably, at least one of the methods (3) of receiving a debit card usable offline.

And, step (g), if the receiving method selection information includes the ③, (g1) delivering a debit card filled with the remittance amount to the recipient; (g2) receiving a request for registration of the debit card from a terminal of the recipient receiving the debit card, and registering the debit card to be usable;

(h) it is particularly desirable to further include the step of approving the transaction for the registered debit card and notifying the recipient of the authorized usage by email.

It is effective that the debit card records information about the recipient or the remitter.

On the other hand, according to another field of the present invention, the object is a payment information database for storing payment information for the remittance amount; A payment server for checking whether a remittance amount has been paid and storing the confirmed payment information in the payment information database; A recipient information database for storing recipient information including recipient email addresses; A mail server for sending an email containing the remitter and remittance information including the remittance amount to the recipient's email address; A recipient confirmation module for receiving confirmation information from the recipient and confirming that the recipient is a qualified recipient, and receiving method guide information in which at least one receiving method is guided to the confirmed recipient's terminal, the receiving method input from the recipient's terminal A payment server having a payment module for causing the remittance to be paid to the recipient according to selection information; And a payment information database for storing payment information including payment method selection information of the recipient and payment related information by the payment server.

The mail server preferably sends a notification mail notifying the recipient that the email has been sent.

The payment server, it is preferable to check the transfer of the transfer amount from the transfer account of the sender to a predetermined account online, or to confirm that the transfer amount is credit card payment online.

The e-mail is linked to a recipient confirmation page provided with an input form for receiving the confirmation information,

More preferably, the recipient confirmation module receives the confirmation information entered in the recipient confirmation page.

The remittance information may further include a message sent by the remitter to the recipient, and the confirmation information may include an email address and a name of the recipient.

And, the receiving method guide information, the method of receiving the remittance money (①), the method of receiving the money transfer to the recipient's cyber account by cyber money (②), receiving the debit card available on-line offline It is particularly effective to include at least one of the methods (③).

Here, the payment server, if the receiving method selection information includes the ②, it is more effective to accumulate a cymbal corresponding to the remittance amount in the recipient's cyber account.

In addition, the email-based remittance server system further includes a debit card registration information database, the payment server, the terminal of the recipient receiving the debit card filled with the transfer amount, if the receipt method selection information includes the ③ Request the registration of the debit card from the user, register the debit card in the debit card registration information database to enable the use of the debit card, approve the use history of the debit card on the basis of the registration information registered in the debit card registration information database, Preferably, the mail server notifies the recipient of the approved usage by email.

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

1 is an application diagram of an email-based remittance server system 1 according to a preferred embodiment of the present invention.

Referring to FIG. 1, the email-based money transfer server system 1 is connected to the Internet 5, and the remitter terminal 3 and the receiver terminal 3 'are accessible to the email-based money transfer server system 1. It is connected to the Internet (5). The financial transaction system 7 is also connected via the Internet 5 to be accessible to the email-based remittance server system 1, the remitter terminal 3, or the receiver terminal 3 '.

The email-based remittance server system 1 is an embodiment of the email-based remittance server system of the present invention, and is a host system for providing a remittance service to a member user based on email. The remittance service is carried out in three ways: cash transfer to the recipient's deposit account, cyber money to purchase various goods or services sold on the Internet site, or debit card transfer available online / offline. In addition, other methods of providing value (goods or services) used on-line can be added.

The remitter terminal 3 is an Internet access means of a customer for receiving a remittance service by subscribing to the email-based remittance server system 1 as a member, and the receiver terminal 3 'is an Internet access of a recipient who is the other party of the remittance service. Means.

The financial transaction system 7 means a system for online financial transaction of a predetermined financial institution such as a bank or a card company. The email-based remittance server system 1 supports an interface for a remitter to receive an internet banking service using the remitter terminal 3 through the financial transaction system 7.

2 is a block diagram of the email-based money transfer server system 1 of FIG.

Referring to FIG. 2, the email-based remittance server system 1 includes a member database 21, a payment information database 22, a recipient information database 23, a payment information database 24, and a debit card registration information database 25. And a server unit 20 for performing a remittance service.

In the member database 21, the name, member ID, password, e-mail address, name, address, contact number, and details of cyber money accumulated in the cyber account of a member who can receive the remittance service (hereinafter referred to as "the remitter"). Member information is stored. The payment information database 22 stores payment information such as an amount previously paid by the remitter for remittance and a payment method (cash payment or credit card payment). Recipient information database 23 stores the name of the recipient, the e-mail address, the contact information of the recipient, and the like inputted by the remitter as information on the recipient who is the counterpart to which the remitter is to send money. The payment information database 24 stores payment information for each remitted payment method such as payment method (cash payment, cyber money accumulation, debit card transfer), remittance date, and the like. The debit card registration information database 25 stores the registered information such as whether the debit card is registered, the date of registration, etc. by the recipient when the remittance is sent to the debit card, and the lost information about whether the money is lost. Recipients who receive the debit card must go through the process of registering the debit card to make it available online or offline. If a debit card is used, transaction approval is required from the terminal of use, because authorization is determined by registration (and loss). In addition, as will be described later, it is possible to notify the recipient by e-mail of the usage history obtained at the time of transaction approval.

The server unit 20 includes a payment server 26, a mail server 27, and a payment server 28.

The payment server 26 is a server for receiving a remittance amount for remittance from a remitter in advance, and the remitter accesses the financial transaction system 7 of FIG. 1 to send an email-based remittance from a depositor's deposit account established at a predetermined financial institution. It supports the interface for the transfer of the account of the administrator of the server system (1) to the deposit account or the payment of the credit card by the remitter's credit card issued by a predetermined financial institution, and the payment amount information database (22). Record it in).

The mail server 27 sends the sender's name, remittance amount, the date of the remittance, or the email with the message to the recipient's email address, and sends a notification mail to the sender to notify the recipient that the email has been sent to the recipient. If a debit card is provided, it will be emailed to the recipient each time the debit card is used. Here, the message may be implemented in a text format as well as a conventionally widely used Internet card format, and the specific form and type of the card depend on the remitter's selection.

The payment server 28 is a server for paying the amount remitted to the recipient, the recipient confirmation module 281 for checking whether the recipient is a qualified recipient (an eligible party designated by the remitter) and the recipient receives the remitted amount. A payment module 282 is provided for paying according to the method.

Here, the payment server 26, the mail server 27, and the payment server 28 may each be coded as a separate program or part or all of them may be coded as a single program, the selection of which is adopted a hardware system, This is done in consideration of other applications. However, in view of the recent trend that the distributed n-tier structure is preferred in terms of efficiency, it is preferable that each of the servers be coded in a separate program.

3 is an embodiment of the email-based money transfer server system 1 of FIG.

Referring to FIG. 3, in the email-based remittance server system 1, the payment server 26, the mail server 27, and the payment server 28 are implemented as separate systems, respectively, through a LAN / WAN 9. It can be seen that it is implemented in a distributed 3-tier structure of a connected method.

4 is an exemplary diagram of an e-mail sent to the recipient by the mail server 27.

Referring to Fig. 4, the e-mail according to the present embodiment includes a "message" sent by the remitter to the recipient, together with the name of the remitter, the remittance amount, and the remittance date. Here, the message encompasses various forms such as a simple text message, a card-type message including a graphic or a video, and the like as described above.

On the other hand, the bottom of the message is provided with a "link" button 400 is connected to the email-based remittance server system 1 so that the recipient confirmation page to be described later is displayed on the receiver terminal (3 ').

5A and 5B are exemplary views of the recipient confirmation page.

5A is an example of the recipient confirmation page displayed on the receiver terminal 3 'when the recipient who has viewed the email of FIG. 4 clicks the "link" button 400 with the screen pointer of the receiver terminal 3'. Input forms are provided for inputting an e-mail address and a name as confirmation information for confirming that the recipient of the e-mail is the intended recipient of the remitter.

5B is another example of a recipient confirmation page. As a procedure for receiving confirmation information, the recipient is to register as a member if the recipient is not a member stored in the member database 21 of the email-based remittance server system 1. On the membership registration page, an input form for entering information necessary for membership registration, such as the recipient's name, member ID, password, social security number, etc., and a check box asking whether to open a cyber account in the email-based remittance server system (1). A box is provided. If you check the check box, the recipient will have a cyber account and will be able to receive the money sent in the cyber money. The cyber money can be accumulated by various earning conditions, and the cyber money accumulated in the cyber account can be used to purchase various goods and services sold on the site operated by the email-based remittance server system or other sites. .

6 is an exemplary view of a receiving method selection page for the recipient to input receiving method selection information.

The receipt method selection page of FIG. 6 is displayed on the receiver terminal 3 'when it is confirmed that the recipient is a qualified recipient through the recipient confirmation pages of FIGS. 5A and 5B. Referring to FIG. 6, a receipt box is provided on a receipt method selection page where a recipient can select "cash", "cyber money", or "debit card", and the amount transferred from the sender is checked according to the receipt method. There is an input form for entering information that the recipient must provide to be paid.

In addition, an ID form is provided to select or enter a bank, account number, or depository, so that you can transfer your cash. There is an input form for inputting a "," and a "password". On the other hand, a recipient who wants to open a new cyber account to receive the cyber money has a "member registration" button which is linked to a member registration page so that a cyber account can be opened through membership registration. In addition, an input form for inputting a "receipt address", "recipient", and "contact telephone" for receiving a debit card is provided so that the debit card can be received, and information to be recorded on the debit card is provided at the bottom. There is a check box for selecting the remitter indication, the recipient indication, and the weapon name. In this embodiment, a more personalized service can be provided by allowing the recipient to select whether or not to display the name of the remitter or the recipient on the appearance of the debit card.

The arrangement and configuration of the selection method page can be changed in various ways. For example, it may be implemented by first selecting one of the three receiving methods, and then linking an input page for inputting information necessary for the selected receiving method.

7 is a schematic diagram of a debit card registration page for a recipient receiving a debit card.

Referring to FIG. 7, an input form for inputting a "debit card number", a "receipt amount", and a "recipient" is arranged on the debit card registration page displayed on the receiver terminal 3 ', and "registration" at the bottom thereof. Button 600 is provided. When necessary information is entered and the "register" button 600 is clicked, the debit card is registered in the debit card registration information database 25, whereby the recipient can use the debit card online or offline.

Referring to the email-based remittance method according to a preferred embodiment of the present invention according to the above configuration as follows.

8 is a flowchart for explaining an email-based money transfer method of the email-based money transfer server system 1.

Referring to FIG. 8, the remitter accesses the email-based remittance server system 1 through the Internet 5 using the remitter terminal 3, logs in by inputting a member ID and password, Click the payment button for the displayed remittance. Accordingly, a payment page (not shown) is displayed on the remitter terminal 3 and inputs necessary information to settle the remittance amount to be remitted (step 801). In this embodiment, the payment method of the remittance amount is bank transfer payment and credit card payment. For account transfer, a payment page, not shown, is provided with an input form for inputting a financial institution in which a remitter's deposit account is opened, an account number, a required password, and a payment amount to be paid. When the remitter inputs information necessary for bank transfer through the remitter terminal 3, the inputted information is transferred to the financial transaction system 7. That is, the payment amount is transferred from the deposit account of the remitter established in a predetermined financial institution through the financial transaction system 7 to the account of the administrator of the email-based remittance server system 1. The payment server 26 receives payment information including a remitter, a payment method, a payment amount, and an assigned management number from the financial settlement system 7 and stores the payment information in the payment information database 22. Also in the case of credit card payment, an input form for inputting a credit card number and a necessary password is provided on a payment page not shown. When the remitter inputs information necessary for credit card payment through the remitter terminal 3, the inputted information is transferred to the financial transaction system 7. The payment server 26 accesses the financial transaction system 7 and receives payment information including a remitter, a payment method, a payment amount, and an assigned management number, and records and stores it in the payment information database 22. As described above, in the present embodiment, the remitter terminal 3 and the financial transaction system 7 are directly connected to perform a payment, and the payment server 26 receives payment information from the financial transaction system 7 after payment is completed. However, the payment server 26 may be connected to the financial transaction system 7 to interface between the remitter terminal 3 and the financial transaction system 7 so that payment may be performed.

On the other hand, the remitter does not need to access the email-based remittance server system 1 first, immediately accesses a predetermined financial transaction system 7 and transfers the remittance money to the administrator of the email-based remittance server system 1 administrator. (1) to enter the payment information, the payment server 26 is connected to the financial transaction system (7) also checks the received payment information, and also employs a method of recording and storing the payment information in the payment information database 22 It is possible.

When the storage of payment information is completed, the payment server 26 transmits a recipient information input page for inputting a message indicating completion of payment and recipient information to the remitter terminal 3 and is provided on the recipient information input page by the remitter. The recipient's name entered in the input form, the recipient's email address, and a message to the recipient (card information selected when selecting a card) are received by the email-based money transfer server system 1 (step 802).

The mail server 27 sends an e-mail address including the remittance information to the e-mail address received in step 802 (step 803).

In addition, the mail server 27 sends a notification mail notifying the sender that the email of step 803 has been sent (step 804).

On the other hand, when the e-mail sent in step 803 is delivered to the recipient, the recipient reads the e-mail through the receiver terminal (3 '), and through the recipient confirmation page of Figure 5a or 5b to confirm the confirmation information to confirm that the recipient The payment server 28 receives the confirmation information (step 805). Thus, the recipient confirmation module 281 checks whether the recipient is eligible by checking the received confirmation information and the recipient information recorded and stored in the recipient information database 23.

If it is confirmed by the receiver confirmation module 281 that the eligible recipient, the payment server 28 transmits a guide page including the receiving method guide information of FIG. 6 to the receiver terminal 3 '(step 806).

When receiving method selection information is received from the receiver terminal 3 '(step 807), the payment module 282 pays the recipient the amount remitted from the sender according to the selected receiving method (step 808).

Referring back to FIG. 6, the receiving method of step 808 according to the present embodiment is as follows. First, in the case of cash, the payment module 282 accesses the financial transaction system 7 to deposit the amount into the recipient's bank account. In the case of cyber money, the cyber money corresponding to the remittance amount is recorded and stored in the cyber account prepared to correspond to the member database 21 according to the input member ID and password. In the case of a debit card, the debit card is delivered to the receiving address entered by the recipient.

On the other hand, in the case of a debit card, the recipient needs to register for use online / offline after receiving the debit card. Referring again to Fig. 7, the recipient registers the debit card by entering the debit card number, the amount received, and the recipient described on the debit card through the recipient terminal 3 '.

Next, the procedure for informing the recipient of the debit card usage is described.

9 is a flowchart illustrating a procedure for notifying usage details after registering a debit card.

Referring to FIG. 9, after the recipient registers the debit card (step 901), if the debit card is to be used online / offline, an authorization request for requesting the debit card transaction approval from the user terminal is received by the payment module 282. (Step 902).

The payment module 282 approves the transaction (step 903).

The mail server 27 notifies the recipient of the approval immediately by e-mail every time the transaction is approved by the payment module 282 (step 904).

Accordingly, the recipient can immediately check the usage history of the debit card. In addition, if you lose your debit card and do not know the loss, you can check the usage history by e-mail to find out the loss and proceed with the loss report. The loss reporting process is similar to the registration process. That is, if the receiver terminal 3 'is connected to the email-based remittance server system 1 and the lost report is made through a lost report page similar to the registration page of FIG. 7, the lost fact is the debit card registration database 25. By being recorded and stored in, it is possible to stop the use of the debit card lost by the transaction approval rejection by the payment module 282.

Meanwhile, the email-based remittance system according to the present invention may be used by members of a predetermined group to pay dues and the like. That is, each member belonging to a predetermined group can transfer the dues through the email-based remittance server system according to the present invention to one member managing the dues. In addition, by providing a group member roster as the member information of the member who manages the dues, and recording and managing the transfer of the members described in the roster, it can be a convenient tool for storing and managing the dues.

As described above, according to the present invention, an email-based remittance server system and an email-based remittance method that can be easily remitted even without knowing the other party's account number are provided.

Moreover, according to the present invention, the remitted amount is paid to the recipient according to the receiving method selected by the recipient. In addition, when receiving in the form of a debit card, the recipient can be notified of the usage details by e-mail to the recipient every time the debit card is used.

Claims (22)

(a) receiving a remittance payment from a remitter; (b) receiving recipient information including the recipient's email address from the sender's terminal; (c) sending an email containing remittance information including the remitter and the remittance amount to the recipient's email address; (d) receiving confirmation information from the terminal of the receiver to confirm that the receiver is a qualified receiver; (e) transmitting receiving method guide information in which at least one receiving method is guided to the receiver terminal; (f) receiving receiving method selection information selected by the recipient from the recipient's terminal; And and (g) causing the remittance to be paid to the recipient according to the received method selection information. The method of claim 1, Step (c) is, and (c ') sending a notification mail to the remitter notifying that the email has been sent. The method of claim 2, In step (a), (a1) an e-mail-based remittance method comprising the step of transferring the remittance amount from a depositor's deposit account to a predetermined account via online. The method of claim 2, In step (a), (a2) an e-mail-based remittance method comprising the step of receiving the remittance amount by credit card online. The method of claim 1, The remittance information, the email-based remittance method further comprises a message sent by the remitter to the recipient. The method of claim 1, In the e-mail of step (c), a recipient confirmation page having an input form for receiving the confirmation information of step (d) is linked. In step (d), (d ') Email-based remittance method characterized in that for receiving the confirmation information entered in the input form. The method of claim 6, The confirmation information, the email-based remittance method characterized in that it includes the recipient's email address and name. The method of claim 7, wherein The receiving method guide information, the method of receiving the remittance money (①), the method of receiving the cyber money in the cyber account that the recipient can purchase the product on-offline (②), on-offline An email-based remittance method comprising at least one of a method (③) of receiving a usable debit card. The method of claim 8, In step (g), If the receiving method selection information includes the above ③, (g1) delivering the debit card filled with the remittance to the recipient; (g2) receiving a debit card request from the recipient terminal receiving the debit card, and registering the debit card to be usable. The method of claim 9, (h) approving the transaction for the registered debit card, and notifying the recipient of the approved usage by the recipient's e-mail. The method of claim 9 or 10, The debit card is an email-based remittance method characterized in that the information about the recipient or the remitter is recorded. A payment information database for storing payment information about the remittance amount; A payment server for checking whether a remittance amount has been paid and storing the confirmed payment information in the payment information database; A recipient information database for storing recipient information including recipient email addresses; A mail server for sending an email containing the remitter and remittance information including the remittance amount to the recipient's email address; A recipient confirmation module for receiving confirmation information from the recipient and confirming that the recipient is a qualified recipient, and receiving method guide information in which at least one receiving method is guided to the confirmed recipient's terminal, the receiving method input from the recipient's terminal A payment server having a payment module for causing the remittance to be paid to the recipient according to selection information; And And a payment information database for storing payment information including payment method selection information of the recipient and payment related information by the payment server. The method of claim 12, The mail server, And sending a notification mail notifying the recipient that the email has been sent to the remitter. The method of claim 13, The payment server, the email-based remittance server system, characterized in that for verifying the transfer of the transfer amount from the transfer account of the sender to a predetermined account online. The method of claim 12, The payment server, the email-based remittance server system, characterized in that for confirming that the transfer amount of credit card payments online. The method of claim 15, The remittance information, the email-based remittance server system further comprises a message sent by the remitter to the recipient. The method of claim 15, In the e-mail, a recipient confirmation page provided with an input form for receiving the confirmation information is linked. The recipient confirmation module, the email-based remittance server system, characterized in that for receiving the confirmation information entered in the recipient confirmation page. The method of claim 17, The confirmation information, the email-based remittance server system, characterized in that including the recipient's email address and name. The method of claim 15, The receiving method guide information, the method of receiving the remittance money (①), the method of receiving a deposit in cyber money to the recipient's cyber account (②), the method of receiving a debit card available on-line offline (③) an email-based remittance server system comprising at least one of. The method of claim 19, The payment server, If the receiving method selection information includes the ②, the e-mail transfer server system, characterized in that to accumulate the cymbalny corresponding to the transfer amount in the recipient's cyber account. The method of claim 20, Further includes a debit card registration database; The payment server, If the receiving method selection information includes the ③, the debit card is requested from the recipient terminal receiving the debit card filled with the remittance, and the debit card registration information database is made available to use the debit card. Email-based remittance server system, characterized in that for registering. The method of claim 21, The debit card is approved for use in accordance with the registration information registered in the debit card registration information database, The mail server, the email-based remittance server system, characterized in that to notify the recipient of the approved usage by email.