1. A system comprising an application that is either configured to be downloadable to a mobile device, configured as a web-based program accessible through the Internet, andor configured as a software program installable on a computer, the system further configured to permit the exchange of money by a user between a user account and an account outside the system, the system comprising:
means for permitting a user to establish the user account via a registration process, where the user account is configured to be dynamically funded at select or periodic intervals by the user from one of a number of possible funding sources;
means for associating one or more separate accounts with the registered user account; and
means for directing a transfer of money to an outside account either directly from the registered user account or directly from one or more of the separate accounts, permitting the user to by-pass the registered user account if so desired.
2. The system of claim 1, wherein the system comprises only a downloadable application configured to be downloaded and fully controlled from a user’s mobile device to permit full functionality without the need for the user to use a separate computer-based software program or web-based application.
3. The system of claim 1, wherein the system comprises only a web-based program accessible by users through the Internet.
4. The system of claim 1, wherein the separate account comprises one of the following types of accounts: a credit card, a debit card, a bank account, an investment account, or an operator billing account.
5. The system of claim 1, wherein the registered user account is automatically associated with a 16-digit debit card generated by the system and sent to the user so that the user may use the debit card to pay for things based upon the funds available in the system account.
6. The system of claim 5, further comprising means for tailoring the graphics of the debit card by adding one or more photos and other personal information.
7. The system of claim 1, further comprising means for communicating with the holder of the outside account that an exchange of money has been made, the method of communication comprising one of a number of digital formats, including text, email or the like.
8. A method of exchanging of money between a user account and an outside account, the method comprising:
permitting a user to establish the user account via a registration process, where the user account is configured to be dynamically funded at select or periodic intervals by the user from one of a number of possible funding sources;
associating one or more separate accounts with the registered user account; and
directing a transfer of money to an outside account either directly from the registered user account or directly from one or more of the separate accounts, permitting the user to by-pass the registered user account if so desired.
9. The method of claim 8, wherein the registration, association of one or more separate accounts, and the directing of a transfer of money are entirely performed on the user’s mobile device.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. An apparatus for managing set data, comprising:
a communicator for transmitting set data message to a receiving portable terminal; and
a controller outputting a set data input screen to receive the set data, generating a set data message including the set data, and instructing the communicator to transmit the set data message to the receiving portable terminal.
2. The apparatus of claim 1, wherein if a response message to the set data message is received from the receiving portable terminal, the controller outputs contents of the response message.
3. The apparatus of claim 1, wherein the set data input screen comprises at least one of a content item of data to be set, an execution time item of the set data, and an item for registering a user related to the set data.
4. The apparatus of claim 3, wherein the set data is set or changed using a specific key of the portable terminal.
5. The apparatus of claim 2, wherein the response message received from the receiving portable terminal comprises at least one of information of a user who accepts the set data, information of a user who rejects the set data, and an opinion on the set data.
6. The apparatus of claim 5, wherein the set data comprises at least one of schedule setting, schedule changing, memorandum writing, memorandum changing, address book writing, and address book changing.
7. A method of inputting set data in a portable terminal, comprising:
inputting information of the set data;
if the set data is completely input, generating a set data message including the set data; and
transmitting the set data message to receiving portable terminals which are registered in the set data.
8. The method of claim 7, further comprising:
if the set data is to be changed, outputting a set data change screen and then changing the set data; and
generating the set data message including the changed set data and transmitting the set data message to the registered receiving portable terminals.
9. The method of claim 8, after transmitting the set data message, further comprising if response messages to the set data message are received from the receiving portable terminals, outputting information of the response messages.
10. The method of claim 9, wherein the response messages comprise at least one of information of a user who accepts the set data, information of a user who rejects the set data, and an opinion on the set data.
11. The method of claim 8, wherein the set data is set or changed using a specific key of the portable terminal.
12. The method of claim 8, wherein the set data comprises at least one of schedule setting, schedule changing, memorandum writing, memorandum changing, address book writing, and address book changing.
13. A method of processing set data in a portable terminal which has received a set data message, comprising:
if a set data message is received, outputting information of set data included in the set data message;
generating a response message to the set data message; and
transmitting the response message to a portable terminal which has transmitted the set data message.
14. The method of claim 13, wherein the response message comprises at least one of information of a user who accepts the set data, information of a user who rejects the set data, and an opinion on the set data.
15. The method of claim 14, wherein the set data comprises at least one of schedule setting, schedule changing, memorandum writing, memorandum changing, address book writing, and address book changing.