Abstract:
The present invention relates to a money service apparatus for an IMT-2000 network and a method of the same which implements the information concerning a location of an IMT-2000 ID card and a terminal and functions for indicating the amount of money at the current rate of the foreign currency to a subscriber&#39;s own country&#39;s currency, remitting payment, making money transfer, and delivering a written notice and public notice. The money service apparatus for an IMT-2000 network includes a money service apparatus wherein the identification numbers of a terminal connected with the IMT-2000 network and a card are recognized and are provided to the subscriber, wherein a money exchange information service is provided; wherein the current location of the subscriber is searched when the subscriber requests the information on the amount of money that is converted to the local country&#39;s currency where he is located, applying the money exchange rate to his own country&#39;s currency, and then the information is provided to the termina; wherein in the case that the subscriber sets an called subscriber and requests a cash transfer to the called subscriber side, the money exchange information is searched through the money exchange information service, and the cash is provided to the called subscriber, and wherein in the case that the subscriber sets a bank account and requests a cash transfer to the bank, the money exchange rate information is searched through the money exchange information service, and the money transfer is performed to the bank.

Description:
BACKGROUND OF THE INVENTION  
         [0001]    1. Field of the Invention  
           [0002]    The present invention relates to a money service apparatus in an IMT(International Mobile Telecommunication)-2000 network or the third generation telecommunication and a method of the same, and in particular to a money service apparatus for an IMT-2000 network and a method, which provides the information on the current exchange rate for a subscriber while traveling in other countries by automatically converting the foreign currency inputted by the subscriber into his or her own country&#39;s currency; which makes it possible for IMT-2000 subscribers to transmit money each other; which offers cash service or allows an entrepreneur to use a credit card using IMT-2000 terminal and an IMT-2000 ID; which helps a subscriber to pay his or her utility bills, such as an apartment maintenance fee, after being notified by SMS(Short Message Service); and which provides money transfer service.  
           [0003]    2. Description of the Background Art  
           [0004]    As a communication technology is advanced, various global services are locally and internationally implemented. A subscriber of an IMT-2000 terminal receives an inherent service number which is available in any region of the world.  
           [0005]    For a bank service, a 365-banking service is available so that people can withdraw money or deposit money using the 365-banking service of the bank everyday. However, if a subscriber wants to withdraw money or deposit money using the 365-banking service, the subscriber must visit the place in person where the 365-banking service is available. Besides, the 365-banking service time is limited as well.  
           [0006]    In addition, in the case that a subscriber travels abroad and uses a credit card, however, he faces some restriction compared to the use in his own country, especially only small amount of money is to be paid.  
         SUMMARY OF THE INVENTION  
         [0007]    Accordingly, it is an object of the present invention to provide a money service apparatus for an IMT-2000 network and a method of the same which implements information concerning a location of an IMT-2000 ID card and a terminal and functions for indicating the amount of money at the current rate of the foreign currency to a subscriber&#39;s own country&#39;s currency, remitting payment, making money transfer, and delivering a written notice and public notice.  
           [0008]    To achieve the above objects, there is provided a money service apparatus for an IMT-2000 network which includes a money service apparatus wherein the identification numbers of a terminal connected with the IMT-2000 network and a card are recognized; wherein a money service is provided to a subscriber with money exchange rate information by searching the country where the subscriber is located in and finding the information on the current money exchange rate between the local country and his own country and displaying the result of the search on the exchange rate information in the terminal; wherein in the case that the subscriber sets a called subscriber and requests a cash transfer to the called subscriber side, the money exchange rate information is searched through the money exchange rate information service, and the cash is provided to the called subscriber; and wherein in the case that the subscriber sets a bank account and requests a cash transfer to the bank, the money exchange rate information is searched through the money exchange information service, and the money transfer is performed to the bank.  
           [0009]    The money service apparatus includes a MSC/toll interface unit for performing an interface between a mobile switching center(MSC) and a toll switch, a service processor for controlling to provide a money service based on a subscriber location information and a money exchange rate information when a subscriber requests the service, a money exchange rate processor for controlling to provide a money exchange rate of a country in which a subscriber is currently located when the service is provided by the service processor, a location register interface unit for performing an interface so that a location information and a state information with respect to dialing subscriber or a called subscriber of a subscriber register are provided when the service processor provides a service, and a database for storing a location information, a country code, and a local time from the subscriber and a money exchange information and for providing the stored information when requested.  
           [0010]    To achieve the above objects, there is provided a money service apparatus in a service providing apparatus for an IMT(International Mobile Telecommunication)-2000 network which includes a money service apparatus; wherein the identification numbers of a terminal and a card provided in the IMT-2000 network are recognized, and a money service is provided to a subscriber; wherein the location of the subscriber is searched when the subscriber requests to receive the information on the amount of money by converting his own country&#39;s currency to the current exchange rate of the local country he is in; wherein in the case that the subscriber sets an called subscriber and requests a cash transfer to the called subscriber, the money exchange information is searched through the money exchange information service, and the cash is transferred to the called subscriber, wherein in the case that the subscriber sets a bank and requests a cash transfer to the bank, the money exchange information is searched through the money exchange information service, and the money transfer is performed to the bank; and wherein a short message of the written notices transmitted to the subscriber is transferred to the IMT-2000 terminal of the subscriber, and the charge payment of the written notice is processed using the IMT-2000 terminal.  
           [0011]    The money service apparatus includes a MSC/toll interface unit for controlling an interface of a mobile switching center(MSC) or a toll switch, a short message service center(SMSC) interface unit for controlling a short message transmission and receiving interface, a service processor for searching the current location of a subscriber or a service provider in accordance with a request of the money service and a money exchange rate based on the location and performing a money service function, a money exchange rate processor for providing a money exchange rate information of a country in which the subscriber is currently located when a request receives from the service processor, a location register interface unit for controlling an interface with a subscriber location register which provides a location information and a state information with respect to the dialing subscriber or called subscriber when a request receives from the service processor, and a database for saving the information on address, country code, local time and money exchange rate from the subscriber, and providing the saved information when requested.  
           [0012]    To achieve the above objects, there is provided a money service method in a service providing method for an IMT(International Mobile Telecommunication)-2000 network for providing a money service to a subscriber whose identification numbers of a terminal connected with the IMT-2000 network and a card are recognized, which includes a first step for judging the type of a service when a message received from a subscriber corresponds to a money service message, a second step for searching the location of a subscriber when a subscriber wants the information on the amount of money that is converted to the local country&#39;s currency where he is located, applying the money exchange rate to his own country&#39;s currency, and providing a money exchange rate information service to the terminal using the money exchange of the subscriber, a third step for searching a money exchange information through the money exchange information service and providing a cash transfer service to the called subscriber in the case that a subscriber sets the called subscriber as a result of the judgment of the service type and requests a cash transfer to the called subscriber side, and a fourth step for searching a money exchange information through the money exchange information service and providing a bank money exchange service for performing a bank money transfer to the bank in the case that the subscriber sets a bank as a result of the judgment of the service type and requests a cash transfer to the bank.  
           [0013]    To achieve the above object, there is provided a money service method in a service providing method for an IMT(International Mobile Telecommunication)-2000 network for providing a money service to a subscriber whose identification numbers connected with the IMT-2000 network, which includes a first step for judging the type of a service when a message received from a subscriber corresponds to a money service message, a second step for searching the location of the subscriber when he wants to receive the information on the amount of money that is converted to the local country&#39;s currency where he is located, applying the money exchange rate to his own country&#39;s currency, and providing a money exchange rate information service to the terminal using the money exchange of the subscriber, a third step for searching a money exchange information through the money exchange information service and providing a cash transfer service to the called subscriber in the case that a subscriber sets an called subscriber as a result of the judgment of the service type and requests a cash transfer to the called subscriber side, a fourth step for searching a money exchange information through the money exchange information service and providing a bank money exchange service for performing a bank money transfer to the bank in the case that the subscriber sets a bank as a result of the judgment of the service type and requests a cash transfer to the bank, and a fifth step for providing a money service using a short message for processing a charge payment with respect to the request content using the IMT-2000 terminal by transmitting the written notices and public notices that the subscriber currently receives to the IMT-2000 based on the short message transmission in the case that the message received from the subscriber corresponds to a service provider verification message as a result of the judgment of the step  1 . 
       
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
       [0014]    The present invention will become better understood with reference to the accompanying drawings which are given only by way of illustration and thus are not limitative of the present invention, wherein;  
         [0015]    [0015]FIG. 1 is a view illustrating the construction of an IMT-2000 network including an IMT-2000 subscriber ID card and a money service apparatus according to the present invention;  
         [0016]    [0016]FIG. 2 is a view illustrating an IMT-2000 money service apparatus of FIG. 1 according to the present invention;  
         [0017]    [0017]FIG. 3 is a flow chart of a procedure of a service processor of FIG. 2 for a money service in an IMT-2000 network according to the present invention; and  
         [0018]    [0018]FIG. 4 is a view illustrating a signal transfer procedure performed when an IMT-2000 network requests a money service according to the present invention.  
     
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS  
       [0019]    The embodiments of the present invention will be explained with reference to the accompanying drawings.  
         [0020]    [0020]FIG. 1 is a view illustrating the construction of an IMT-2000 network including an IMT-2000 subscriber ID card and a money service apparatus according to the present invention which includes an IMT-2000 terminal  1  and a card  2 , a base station  3  connected with the IMT-2000 terminal  1 , a base station controller  3  for controlling the base station, a MSC(Mobile Switching Center)  4  for transmitting a signal to a base station controller in which a signal receiver subscribed when a signaler wants to signal a signal receiver in a state that a plurality of base station controllers  3  are installed, a toll switch  5  inter-working with a bank computer network, a HLR(Home Location Register)  7  for managing the current locations of the mobile terminals, an IMT-2000 money service apparatus  8  for providing a money service in accordance with a money service providing request of a user who uses the IMT-2000 terminal  1  and the card  2 , and a No.  7  signal network  9  for implementing a communication between the mobile switching center  5 , the tool switch  6 , the subscriber location register  7  and the IMT-2000 money service apparatus  8 .  
         [0021]    At this time, the IMT-2000 money service apparatus  8  communicates with the subscriber location register  7  through the No.  7  signal network  9  for setting the current location and a signal of the mobile signal receiver when a subscriber requests a service, and the mobile switching center  5  communicates with the IMT-2000 money service apparatus  8 , the toll switch  6  and the No.  7  signal network  9 .  
         [0022]    In addition, the IMT-2000 terminal  1  performs a storing function of a corresponding money by adapting an IMT-2000 subscriber identification number(ID) integrated with the credit card  2  using a Cu interface and is optionally used based on the credit card  2 .  
         [0023]    As shown in FIG. 2, the IMT-2000 money service apparatus includes a MSC/toll switch  81  for performing an interface function with the mobile switching center  5  and the tool switch  6 , a SMSC(Short Message Service Center) interface unit  82  for performing an interface when a short message communication with a bank and a public office, a service processor  83  for providing a money service function based on the location and money exchange rate of a subscriber and a service company when the subscriber requests a money service, a money exchange rate processor  84  for providing a money exchange rate of a nation in which a subscriber is currently located when the service processor  83  provides a money service, a location register interface unit  85  for performing an interface with the subscriber location register  7  which provides a location information and a state information with respect to a dialing subscriber or a signal receiving subscriber when the service processor  83  provides a money service, and a database  86  for storing an identification number of the subscriber who receives the current money exchange rate and an identification number of the subscriber or an identification number of the service provider.  
         [0024]    Here, the MSC/toll interface unit  81  receives a money service message from the dialing mobile switching center  5  through the IMT-2000 terminal  1  which requests a money service, decodes the same and transmits to the service processor  83  and receives a money service response from the service processor  26 , encodes the same and transmits to the dialing mobile communication center  5 .  
         [0025]    In the case that the service type of the subscriber of the IMT-2000 terminal  1  is a money transfer service, a signal setting operation is performed with respect to the toll exchange  6  for thereby transmitting and receiving a money service message. At this time, the public mobile communication network(PLMN)  10  including the called and dialing mobile communication center  5  is connected, and the public switch telephone network(PSTN)  11  including the called toll switch  6  connected with an existing bank computer network can be connected.  
         [0026]    When a money service provider or a public office transmits a charge requests message through the SMSC  12 , the SMSC interface unit  82  receives a corresponding short message and decodes the same and requests a service provider ID and verification stored in the data base  86  and transmits to a corresponding terminal when a verified result is received based on the above request.  
         [0027]    The service processor  83  which provides a money service to the subscriber performs a money service function based on the locations of the subscriber and service provider and provides a money service in accordance with an information stored in the database  86  when providing the service.  
         [0028]    The money exchange rate processor  84  computes a money exchange rate of a corresponding nation at the current location of the subscriber when providing a money service from the service processor  83  to the subscriber, and the data base  86  performs a function for storing and managing an ID of a subscriber registered to the money service, a service provider ID, a location information, a nation information, a current time, and a money exchange information. Table 1 shows the stored information.  
                             TABLE 1                           Money service reference information            Information   Parameter   Remarks               IMSI   Subscriber identification               number (ID)           Service provider ID   In the case of service provider           Bank account number   Bank transfer           IMSI money storehouse   IMT-2000 card               (setting maximum               accumulation amount when               subscribing)           Max. deposit amount   Setting when registering           per one time       Location   Default value   Setting when registering (local       information       region)           Geometric information   Foreign country           or cell ID or LAI           (World nation code list)       Nation code   Nation code list       and   Corresponding time       current time       Money   Current money   Money exchange       exchange   exchange rate   rate compared to       rate       local country                  
 
         [0029]    As shown in Table 1, a subscriber ID and service provider IN are separately inputted into an IMSI(International Mobile Subscriber Identity) field. In the case that the service provider uses a bank money transfer, the one-time maximum money of the maximum accumulated money of the money storehouse(changeable) and the money transfer is stored when filling the bank account number into the IMT-2000 card.  
         [0030]    The nation of the subscriber is set in the location information field by a default value when he subscribes. The current location with respect to the subscriber is selected among the cell ID, the location ID(Location Area Identity: LAI) and a geometric information.  
         [0031]    A code of a country corresponding to the current location of the subscriber and an information of the current time are stored in the country code and current time field, and the current money exchange money rate based on each country code is stored in the money exchange rate field.  
         [0032]    The location register interface unit  84  interrogates a location information and a state information of a subscriber or called subscriber through the subscriber location register  7 . The location register interface unit  27  encodes an interrogation message(Any Time Interrogation) including a money service apparatus address, a request information(subscriber location and state), and a subscriber ID and transmits to the subscriber location register  7  and receives a response message(Any Time Interrogation Ack) including a location information and state of a corresponding subscriber from the subscriber location register  7  and decodes the same and provides to the service processor  83 .  
         [0033]    The service providing procedure of the money service apparatus will be explained with reference to FIGS. 3A to  3 C.  
         [0034]    [0034]FIGS. 3A to  3 C are flow charts illustrating a procedure that the service processor  83  processes for a money service procedure in the IMT-2000 according to the present invention. In FIG. 3A, when a short message is received from a subscriber of the IMT-2000 terminal  1 , it is judged whether the received short message is a message with respect to a service provider or a money service message(A 1 ).  
         [0035]    As a result of the judgment, if the message is a message with respect to the service provider verification, an ID with respect to the received service provider is read from the database  86  and is compared with the service provider ID included in the message for thereby performing a verification. At this time, the short message includes a charge notice message from a money service company or a bank or a public office according to the present invention(A 2 ).  
         [0036]    As a result of the verification, if the ID is same and the verification is succeeded, the received short message is transmitted to the called location(A 3 ), and if failed, the received short message is discarded, and an error code which represents that the verification to the called side is failed is transmitted(A 4 ).  
         [0037]    As a result of the judgment of the step A 1 , if the short message corresponds to the money service message, the service type requested in the message is judged. At this time, the provided service includes a cash transfer service, a money exchange rate information service, a bank money transfer service, etc.(A 5 ).  
         [0038]    As a result of the judgment of the service type, if it is related to the money exchange rate information service, the step A 6  in which the money exchange rate information is processed is performed. The location of the current subscriber is requested from the service processor  83  to the location register interface unit  85 . An interrogation (AnyTimeInterrogation) message including the subscriber ID is transmitted to the location register  7  in the location register interface unit  85  based on the request(A 61 ).  
         [0039]    The subscriber location register  7  transmits an information including an information which represents the location of the subscriber and an information including the current state to the response message(Any Time Interrogation Act) as a response with respect to the message transmission. At this time, the location message includes a location number, a cell ID or location region ID(CellIdOrLAI), a region information(Geometric information), a location information update time(Age of Location Information), and a visit location register number(VLR number), and the subscriber information includes a busy information, a not-reachable information, and an idle information.  
         [0040]    The location register interface unit  85  which received the response message transmits the message to the service processor  83 , and the service processor  83  sets a country code of a corresponding location of the current subscriber based on the response message(A 62 ).  
         [0041]    When the corresponding country code is set, the money exchange rate of the current corresponding country is searched, and the money exchange rate of the subscriber&#39;s local country is adapted(A 63 ), and the operation that the money exchange information service is being performed is informed to the subscriber, and the routine is completed(A 64 ).  
         [0042]    As a result of the judgment of the step A 5 , the service type is a cash transfer service, it is judged whether the money exchange information exists. In the case that there is not a money exchange information, the money exchange information processing procedure(A 6 ) is performed for thereby obtaining the money exchange information(A 7 ).  
         [0043]    As a result of the judgment, if the money exchange ratio information exists or the money exchange information is obtained, the type of the money transferred in cash is determined among the current local money of the region in which the subscriber is currently located and the local country of the subscriber(A 8 ).  
         [0044]    The called mobile signal is set with respect to the called subscriber(A 9 ), and the money service message including the money which will be transferred is transmitted to the called side(A 10 ).  
         [0045]    When the response message including a receipt from the called side which received the message is transmitted, the received message is stored(A 11 ), and the money message response is transmitted to the dialing subscriber side in which the service requested, and then the routine is completed(A 12 ).  
         [0046]    As a result of the judgment of the step A 5 , if the service type is a bank money transfer service, it is judged whether the money exchange information exists. As a result of the judgment, there is not the money exchange rate information, the money exchange information processing step A 6  is performed for thereby obtaining a money exchange information(A 13 ) as in FIG. 3C.  
         [0047]    As a result of the judgment, if there is a money exchange rate information, or the money exchange rate information is obtained, the type of the money which will be transferred in cash is determined among the current money amount of the current location in which the subscriber is currently located or the money of the local country of the subscriber(A 14 ).  
         [0048]    In order to perform the bank money transfer, the called procedure is performed to the toll switch  6  connected with the computer network of the bank(A 15 ), and the money service message including the amount which will be transmitted is transmitted to the called side(A 16 ).  
         [0049]    When the response message including the receipt is received from the called side which received the message is transmitted, the response message is received, and the received message is transmitted to the subscriber side which requests the service as a money message response message, and the routine is completed(A 17 ).  
         [0050]    [0050]FIG. 4 is a flow chart illustrating that the service request is performed in the IMT-2000 mobile terminal according to the present invention. The mobile called and dialing short message transfer procedure  13  is used when a written notice is transmitted from the service provider or the public office using an existing short message.  
         [0051]    The service provider verification is inquired to the money service apparatus  8 . In order to implement the money service, a mobile transmission signal procedure  16  should be first implemented between the dialing side and the money service apparatus  8 . At this time, the service type is defined as money. The verification and encryption procedures are identically performed.  
         [0052]    At this time, in the case that the service type requested by the subscriber corresponds to the local money exchange information service(in the present invention, the type is defined as 1), the money service message  17  including the amount of the money is transmitted to the money service apparatus  8 , and when there is a subscriber&#39;s request, an interrogation(AnyTimeInterrogation) message  18  for the location and state information of the current subscriber is transmitted to the subscriber location register  7 .  
         [0053]    The subscriber location register  7  which received the message transmits the subscriber information providing message(ProvideSubscriberInfo message)  19  and performs a paging operation and receives a response signal(ProvideSubscriberInfo) message  21 .  
         [0054]    When the paging operation is completed, the subscriber location register  7  transmits the location and state information which are a result of the paging operation with respect to a corresponding subscriber to the money service apparatus  8  based on the response message(AnyTimeInterrogationAck)  22  with respect to the interrogation message. The money service apparatus  8  exchanges the money exchange rate based on the local money type and the unit of the subscriber local country money in accordance with the location of the subscriber when the message  22  is received and transmits to the dialing subscriber through the money service response message  23 .  
         [0055]    In the case that the type of the service requested by the subscriber corresponds to the cash transfer service(in the present invention, the type is defined as 2), the money service message  30  including amount of money, a subscriber name, an called side number is transmitted to the money service apparatus  8 , and the mobile arrival signal procedure  31  is performed with respect to a corresponding called side.  
         [0056]    When the mobile arrival signal procedure is completed, the money service apparatus  8  transmits the money service message  32  to the called side and receives the money service response message  33  including a transaction date, money type, service provider name and receipt money from the called side and stores the received message into the database  86 . A result of the operation is informed to the dialing side through the money service response message  34 .  
         [0057]    In the case that the service type requested by the subscriber corresponds to the bank money transfer service(in the present invention, it is defined as 3), the money service message  40  including an amount of money, money type, bank code, bank account number and subscriber name is transmitted to the money service apparatus  8 . The money service apparatus  8  which received the message  40  performs( 41 ) the called procedure based on a corresponding toll switch  6  for a connection with the bank. When the called procedure is completed, the money service message  42  is transmitted to the bank side.  
         [0058]    When the money service response message  43  including the transaction date, money type, service provider name, and receipt amount is transmitted from the called side based on a response from the message  42 , the transmitted message is received, and the money service response message  44  is reported to the dialing side.  
         [0059]    The structures of the messages of FIGS. 3 and 4 will be explained.  
                                 TABLE 2                           Money service message structure                Information element   Existence   Length (byte)                       Message type   M   1           Message scale   M   1           Direction Type Money type   M   1           Bank code   O   8           Bank account number (BCD)   O   7˜9           Subscriber name   O   6˜15           Receiver-side BCD number   M   3˜43           Receiver-side sub-address   O   2˜23           Amount of money   M   1˜13                      
 
         [0060]    The message type represents the type of a money service message, and the direction classifies a message orientation and a requested amount of money and receipt.  
         [0061]    The type represents the type of the service and indicates the bank account of a corresponding bank of the mother station of the subscriber or the local bank and account number in the case that the service provider requests a bank money transfer service,  
         [0062]    In the personal case, the name of the subscriber is indicated. In the case of the service provider, the name of the service provider is indicated.  
         [0063]    In addition, in the case that the money service message structure, the number of the called subscriber is included, and a sub-address may be included based on a private network of the called side.  
                                 TABLE 3                           Money service response message structure                Information element   Existence   Length (byte)                       Message type   M   1           Message scale   M   1           Dir Type Money type   M   1           Transaction date   M   4           Service provider name   O   6˜9           Receipt amount   O   2˜23           Money exchange rate Amount   O   1˜13                      
 
         [0064]    The message structure is a response message structure with respect to the money service request of Table 2 and includes a transaction data for performing the process based on the request, a receipt amount and the money exchange amount adapted during service.  
         [0065]    The tables 4, 5, 6, and 7 show a detailed information on each item of Tables 2 and 3. 
                             TABLE 4                           Message type                Bit number   Description                       XX110011   Money message REQUEST           XX110100   Money message ACKNOWLEDGE           XX110101   Money message REKECT                      
 
         [0066]    The table 4 shows a message type of Table 2. The state that the message type which is currently transmitted is a service providing request or a response is expressed by a bit value.  
                                   Bit number   Description                   0   Money service request received from a           mobile switching center or a           money service apparatus       1   A result of a money service transmitted from a           mobile switching center or           a money service apparatus                  
 
         [0067]    The Table 5 shows a direction of Table 2. The transmission direction is expressed by a bit value when a message is transmitted between the mobile switching center and the money service apparatus.  
                         TABLE 6                           Type            Bit number   Description               00   Local money exchange rate information       01   Cash transfer       10   Bank money transfer       11   Reserved                  
 
         [0068]    The Table 6 shows a field type of the Table 2. The value of the table 6 is expressed by a bit value concerning whether the service type requested by the subscriber is a certain kind.  
                             TABLE 7                           Bank code (in Korea)                Bit number   Description                       00000000   Reserved           00000001   Bank A           00000010   Bank B           00000011   Bank C           00000100   Bank D           00000101   Bank E           00000110   Bank F           .   .           .   .           .   .           11111111   Bank XX                      
 
         [0069]    The Table 7 shows an example with respect to the bank code of Table 2. The bit value of each bank code at the money service providing side is defined by a bit value.  
         [0070]    The present invention is adapted to various business types. When a service provider who operates a vending machine, a restaurant, a parking lot, a convenient store and a department store does business by adapting the IMT-2000 money service apparatus and method, the subscribers registered to the IMT-2000 service are capable of easily overcoming the problems encountered in the conventional art using the IMT-2000 money service apparatus and method according to the present invention.  
         [0071]    As described above, in the conventional art, the mobile subscriber obtains a money exchange information by a connection with the ISP. In the present invention, the subscriber inputs a money amount(in the US, US dollar) of a foreign country using the IMT-2000 service, and the money amount of the local country of the subscriber(the won in the case of Korean) is automatically indicated. In addition, a certain amount of money is transmitted between the subscribers of the IMT-2000 service using an IMT-2000 ID card. In particular, when a service provider who operates a vending machine, a restaurant, a theater, a parking lot, a convenient store, department store, etc. and does business using the IMT-2000 money service apparatus and method according to the present invention, a quest is capable of paying using the IMT-2000 ID card, so that the service provider takes a high profit. In addition, the money exchange rate of the foreign country may be automatically adapted or may be adapted based on the subscriber&#39;s request.  
         [0072]    When a service provider or a subscriber requests a bank money transfer to the existing bank account, the bank money transfer service is provided, so that a certain written notice made by a public office, an apartment management office, etc. is transmitted to a corresponding subscriber using the SMS. The service provider and subscriber who received the SMS pays the money using the terminal.  
         [0073]    As the present invention may be embodied in several forms without departing from the spirit or essential characteristics thereof, it should also be understood that the above-described embodiments are not limited by any of the details of the foregoing description, unless otherwise specified, but rather should be construed broadly within its spirit and scope as defined in the appended claims, and therefore all changes and modifications that fall within the meets and bounds of the claims, or equivalences of such meets and bounds are therefore intended to be embraced by the appended claims.