| 摘要 |
PURPOSE: A system for managing a cyber account using a mobile communication terminal and a method thereof are provided to perform an electronic commerce and an electronic payment using a mobile communication terminal capable of being connected to the Internet. CONSTITUTION: A mobile communication terminal(20) requests a charge and a payment of a fund between an actual account and a cyber account and a transfer of a fund between different cyber accounts through a wireless communication terminal in accordance with a request of a client. An electronic payment server(40) stores a client cyber account and a merchant cyber account having a charged predetermined fund, and performs a transfer between different cyber accounts. A bank server(50) stores the actual account of the client designated from the mobile communication terminal(20), converts a fund of the actual account into cyber money, transfers the electronic payment server(40), and performs a function for paying the cyber money as a fund of the actual account.
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