Abstract: The present invention generates intangible bit money managed as data that can be used as a third currency in order to facilitate efficiency and security in financial transactions in, along with being in compliance with the development of the world, so that the inconveniences and danger accompanying the circulation of the cash carried by a person are eliminated, and the national budget for issuing new currency to replace worn old currency can be saved. It provides a system for depositing and withdrawing money without a bank account even with a personal email, smart TV, communicable game device, or mobile terminal, etc. alone. Also, the bit money generated by the present invention can be tracked for circulation of the attributes thereof, and thus is a payment means of a new paradigm for protecting the property of a client from illegal transactions such as hacking.