Patent ID: 7182254

Claim:
A virtual card service system comprising: a mobile communication terminal for transmitting an amount of withdrawal money and a withdrawing term for a virtual cash card to the virtual card service system; a virtual cash card system for receiving the amount of withdrawal money and the withdrawing term from the mobile communication terminal, verifying whether the withdrawal money is deposited in a parent account corresponding to the virtual cash card, storing information on the amount of withdrawal money and withdrawing term if the withdrawal money is deposited in the parent account, and informing the mobile communication terminal of authentication; and an ATM for receiving a virtual cash card identifying information, verifying whether the information is within the withdrawing term stored in the virtual cash card system, and withdrawing the amount of withdrawal money from the parent account; wherein, if the amount of withdrawal money and the withdrawing term are provided from the terminal, the virtual cash card system adds the amount of withdrawal money and the withdrawing term into information on a virtual cash card of which an amount of withdrawal money and a withdrawing term are initialized, and initializes the amount of withdrawal money and the withdrawing term of the virtual cash card information, if the amount of withdrawal money is withdrawn within the withdrawing term or the withdrawing term is expired.