KR100519999B1 - Cybermoney management method and system using the method - Google Patents

Abstract

The present invention relates to a cyber money management method on a network and a system using the same.

In the present invention, the cyber money is provided to the user, and the cyber money is divided into a wallet money and a bankbook money and stored in a wallet and a bank account, respectively. When the cyber money is to be used according to the user's use of the predetermined service, the service is provided to the user by using the wallet money. In particular, when the wallet money exceeds the predetermined limit, the wallet money corresponding to the amount exceeding the limit is transferred to the user's account, so that the wallet money is managed within the limit.

According to the present invention, by separating the cyber money into a wallet money and bankbook money and only the wallet money is used, it is possible to prevent the user from using all the cyber money provided indiscriminately using the service.

Description

Cybermoney management method and system using the same in a network {cybermoney management method and system using the method}

The present invention relates to a cyber money management system and a method thereof, and more particularly, to a method and system for managing cyber money used when using a predetermined service on a network.

In recent years, with the rapid increase in the spread of the Internet, various kinds of services have been provided through the same medium as the Internet. In particular, a game service is a service that is used by many users among services provided through a network, and various games are being serviced. As a result of the victory, game games that receive and exchange cyber money according to game scores are increasing. For example, high-stop games such as hitting 1: 1 games and card games such as poker are typical game services that users are looking for.

Cyber money is often required to use various services including game services. Cyber money here represents the virtual currency that e-commerce and content providers on the Internet offer their members in the form of mileage. In general, cyber money is managed through a single account provided to a user. That is, when a user is provided with a predetermined cyber money, the cyber money is stored and managed in the account, and when the cyber money is required, the cyber money stored in the account is used.

As described above, since the cyber money is managed through one account, when the user participates in the game, the user participates in the game with all the cyber money assigned to the user. As a result, if the user keeps losing the game, he / she may participate in the game and use all the cyber money in his account regardless of the balance of the cyber money. As a result, social problems such as acquiring cyber money in an illegal manner in order to participate in the game are likely to occur.

Conventional cyber money related technology is described in the Republic of Korea Patent Application Publication No. 2002-38650 "a cyber game bank system for cyber / real money exchange of online / mobile games". This technology enables local and limited cyber money to be exchanged with cyber money of other game sites in online and wireless games, and when money is actually purchased for money, it is exchanged into real money for shopping malls and other billing. It provides a system that can be used for processing. However, this technology only discloses separate management of cyber money (real money) provided for free and cyber money provided for a fee, and problems that may arise as cyber money is managed through one account. Is not solving at all.

Another conventional technique is the "mileage exhaustion method using a game" described in Japanese Patent Application Laid-open No. 2003-86532. This technology only describes the exchange or purchase of game money in terms of mileage or equivalent, and playing the game using the game money when participating in the game.

Another conventional technology is "bank transfer and deposit and withdrawal system between financial institutions through issuance of cyber money and a method for transferring and depositing and depositing with and using the system" described in the Patent Application Publication No. 2002-5896. This technology describes only the transfer of cyber money between the customer's cyber account where the cyber money issued within the scope of in-kind collateral is deposited and withdrawn, and the cyber account of the service company with which the cyber money is directly traded. Doing.

As described above, the conventional technologies merely describe the cyber money by separating it into two moneys according to characteristics, or describe only the cyber money transfer between accounts of different users.

Therefore, there is a need for a method for solving problems that may occur due to indiscriminate use of cyber money by users.

Therefore, the technical problem to be achieved by the present invention is to solve the conventional problems, to provide a cyber money management method and system that can prevent the indiscriminate use of cyber money used on the network.

In addition, the technical problem to be achieved by the present invention is to provide a management method and system for more efficient and stable use of cyber money.

In addition, the technical problem to be achieved by the present invention is to provide a more stable service to the user by using such a cyber money management method.

Cyber money management method on a network according to an aspect of the present invention for achieving the technical problem is connected to a plurality of user terminals through the network, cyber cyber management system for providing and managing the cyber money to the user A method of money management, comprising: a) providing, by the system, cyber money to the user; b) the system divides the cyber money into a wallet money and a bank account, sets a first limit and a second limit, which are limits of cyber money that can be stored in a wallet and a bank account, respectively, and then stores the wallet money and the bank account money, respectively. step; c) the system determining whether the total wallet money in the wallet exceeds the set first limit; And d) if the total wallet money exceeds the first limit, the system transfers the wallet money corresponding to the amount exceeding the first limit to the user's bankbook so that the wallet money is within the first limit. In the case that the cyber money is to be used according to the user's use of the predetermined service, the service is provided to the user using only the wallet money.

The cyber money management method according to another aspect of the present invention is connected to a plurality of user terminals through a network, the cyber money management method of the cyber money management system for providing and managing cyber money to the user a) the system is the user Providing cyber money to the user; b) the system divides the cyber money into a wallet money and a bank account, sets a first limit and a second limit, which are limits of cyber money that can be stored in a wallet and a bank account, respectively, and then stores the wallet money and the bank account money, respectively. step; c) when a payment request for using a predetermined service is input from the user terminal, determining, by the system, whether the payment request amount can be paid by the user's wallet money; d) when the wallet money is more than the payment request amount, the system performing payment by the user's wallet money; e) if the wallet money is less than the payment request amount, the system transfers the bankbook money stored in the user's bankbook to the wallet, and performing the payment using the wallet money in the transferred wallet.

According to another aspect of the present invention, a cyber money management method includes a) when a user uses a predetermined game service, a) the system divides the cyber money provided to the user into a wallet money and a bank account and stores them in a wallet and a bank account, respectively. Setting a first limit and a second limit, which are limits of the cyber money, and storing the wallet money and the bank account, respectively; b) when the selection signal of a predetermined game is input from the user terminal, providing a list of a plurality of channels for playing the game to the user; c) when the user selects a predetermined channel, the system comparing the money allowed to the channel with the wallet money stored in the user's wallet; d) allowing the user to enter the selected channel if the user's wallet money does not exceed the admission allowance money; And e) providing, by the system, a predetermined game service to a user who has entered the selected channel and a counterpart user.

In addition, the cyber money management system according to another aspect of the present invention, a money providing unit for providing cyber money to the users in the system for providing and managing the cyber money to the user through the network; A money separation unit that separates the cyber money provided to the user into a wallet money and a bankbook money and stores them in a wallet and a bankbook, respectively; A wallet database in which wallet money is stored for each wallet granted to each user; A bankbook database in which bankbook money is stored for each bankbook assigned to a user; A money limit manager for assigning a predetermined limit to the wallet and managing the wallet money stored in the wallet not to exceed the limit; And a money transfer unit for transferring the wallet money to the bankbook or transferring the bankbook money to the wallet at the request of the user or the request of the money limit management unit.

In addition, the game system according to another aspect of the present invention, in the game system that provides a predetermined game service using the cyber money through the network, the list of channels for each game, admission allowed money for each channel, and opened in the channel A channel database for storing game room related data; By providing a channel for each game and game room related data established in the channel with reference to the channel database, if the user selects a specific game room of a specific channel, the user can play the game in the selected game room Channel server to enable; A game database that stores game-specific logic related information for controlling users to play a game; A game server that provides a game service using game logic stored in the game database for users entering a game room in a channel provided by the channel server; And a money management server that divides the cyber money provided to the user into a wallet money and a bankbook money, and stores and manages the cyber money in the wallet and the bankbook, respectively, wherein the channel server exceeds the money allowance of the channel selected by the user. If not, the admission to the selected channel is allowed, and the money management server uses only the wallet money of the user when cyber money is to be consumed during game play.

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DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention.

The following embodiment describes a case where the cyber money management according to the present invention is performed by taking a case where a game service is provided using cyber money as an example. However, the cyber money management method according to the present invention is not limited to providing a game service, and can be applied to any system that provides a predetermined service using cyber money. Here, the cyber money includes all means used to use certain services such as virtual currency, mileage, points, etc. provided by e-commerce and content providers to its members through a network.

In an embodiment of the present invention, in order to use the cyber money more efficiently and stably, the cyber money is classified into a first wallet means "purse money" and a second payment means "bank account money" and stored and managed. Here, the wallet money is the cyber money that is actually used when the user uses the service, and the bankbook money represents the cyber money that is held by the user but not used when using the service. "Wallet" denotes a means in which a wallet money is stored, and "bankbook" denotes a means in which the bank account money is stored. Meanwhile, at least one bankbook provided to the user may be provided.

1 is a structural diagram of a cyber money management system on a network according to an embodiment of the present invention.

As shown in FIG. 1, the cyber money management system 100 on a network according to an exemplary embodiment of the present invention includes a plurality of networks through a network 200, including all networks in various forms such as a telephone network, the Internet, and a wireless communication network. Is connected to the user terminal 300.

The user terminal 300 is a communication device that can be connected to the system 100 through the network 200. For example, various communication devices such as a wired telephone, a wireless communication terminal, a computer, and a TV with Internet access may be used. . Therefore, the user can conveniently and quickly access the system 100 using PC communication, the Internet, the wireless Internet, a telephone network, and the like.

The cyber money management system 100 connected to the user terminal 300 and providing and managing cyber money to a plurality of users includes an interface server 110 and a money management server 120, and in addition, a channel server. 130, the game server 140 and the authentication server 150 further optionally.

The interface server 110 allows a plurality of terminals 300 to be connected through the network 200, in particular, the Internet or the wireless Internet, and to match various information provided through each server 120 to 150 to meet communication standards. It provides a conversion process to provide a plurality of terminals 300, or to receive the information transmitted from the terminal 300 through the network 200 to provide to each server (120 to 150), a web server or a swap server Or a database interworking device (CGI) for transmitting and receiving information with other systems. Accordingly, a variety of network games, such as poker, chats, clubs, shopping malls, etc. may be provided through the interface server 110.

When the user selects a game through the interface server 110, the channel server 130 provides the user with a selected game-related channel and a list of game rooms for each channel. To this end, the system 100 may further include a channel database 131 for storing game room related data established in each channel as well as channel related data for each game. Here, the channel-related data includes a limit of wallet money that can be entered for each channel. In the present embodiment, for example, a wallet money that can be entered is set for each channel classified by a user's grade (eg, amateur, professional, master, etc.). For example, the wallet money that can be entered for the amateur channel can be limited to 10,000 to 100,000 won. Hereinafter, wallet money that can be entered for each channel will be referred to as "admission allowed money".

 Therefore, the user can select a channel that he wants to play the game and a specific game room belonging to the channel through the channel list and the game room list provided by the channel server 130, wherein the channel server 130 is If the total wallet money stored in the user's wallet is within the allowable money of the selected channel, the channel may be allowed to enter.

Here, when a user selects a game through the interface server 110, the interface server 110 starts a game user program that is pre-installed in the user terminal 300, and starts the user terminal 300 by the started user program. Is connected to the channel server 130 through the network 200, the channel server 130 and the interface server 110 need not be directly connected.

In addition, the channel server 130 may allow a new user to enter the game room while the users are playing the game. At this time, the admitted user waits as a spectator watching a game played by other users.

Next, the game server 140 provides a game service selected by the user through the channel server 130. To this end, the system 100 may further include a game database 141 in which various game related information is stored. Accordingly, the game server 140 proceeds with the game according to the game logic determined for each game by referring to the game database 141. For example, if a user is right and selects a game, and two users participate by opening or selecting a specific game room on a specific channel through the channel server 130, the game server 140 may play the game with two users. Display the game, proceed the game, settle the game results so that you can. Here, the game logic refers to rules specified to automatically advance the game according to the rules set in the game. For example, in the case of a hit game, a rule for distributing a fighting hand and a handing rule according to the selection of a hand of each user , The rule for processing the lost hand of each user, the mission generation and processing rule, the achievement status of various game rules, and the score settlement rule after the end of the game.

Here, the channel database 131 and the game database 141 may be implemented in a form included in the channel server 130 and the game server 140, respectively.

Meanwhile, the money management server 120 manages the cyber money for using the game service provided through the channel server 130 and the game server 140 described above, and in particular, the cyber money with the wallet money It is managed by bankbook money so that users can use cyber money more efficiently and reliably. 2 illustrates a specific structure of a money management server according to an embodiment of the present invention.

As shown in FIG. 2, the money management server 120 includes a money providing unit 121, a money separating unit 122, a money limit managing unit 123, a money transferring unit 124, a payment unit 125, The wallet database 126 and the bankbook database 127 are included, and the cyber money necessary for the user to use a predetermined service is separated and managed by the wallet money and the bankbook money.

The money providing unit 121 provides cyber money to users through various methods such as purchasing, participating in an event, and winning a game, and the money separating unit 122 separates the cyber money provided to the user into a wallet money and a bank account money. Each is stored and managed in the wallet database 126 and the bankbook database 127, respectively. Alternatively, the cyber money may be automatically divided into a wallet money and a bank account according to a user's request or a predetermined rule set in the system.

The money limit manager 123 assigns a predetermined limit to the wallet money and manages the wallet money stored in the wallet not to exceed the limit. In addition, according to the limit given to the wallet money, a limit is also given to the corresponding bankbook money, so that the user can use the cyber money within a double limit. In particular, if the total amount of Wallet Money exceeds the limit granted, the amount shall be automatically transferred to the user's account or the user is notified of the limit and accordingly the amount requested by the user will be To be transferred. Hereinafter, for convenience of explanation, the limit given to the wallet money is referred to as "first limit", the limit given to the bankbook money is called "second limit", and the sum of the first limit and the second limit is referred to as "hold limit". It is called. For example, when the first limit of the wallet money is 1 billion, a second limit of 1 billion is automatically granted to the bankbook money, and the user can use the cyber money within the total holding limit of 2 billion.

On the other hand, if the total cyber money held by the user exceeds the holding limit (in this embodiment, when the wallet money exceeds the first limit, the excess wallet money is stored as the bankbook money, so that the bankbook money exceeds the second limit). It may be seen as a case), the user is given a virtual account and the excess money is transferred to the virtual account and stored. Thereafter, if the user's cyber money is reduced to within the holding limit (or if the bank money is reduced to within the second limit), the cyber money stored in the virtual account can be automatically transferred to the user's account or transferred according to the user's selection.

In addition to this, an additional bankbook is issued to the user (in this case, the user may be issued a bankbook through purchase, or a bankbook may be issued according to a condition such as participating in a predetermined event or increasing the user's grade). Cyber money exceeding the limit may be transferred to the additional bank account for management. Alternatively, if the user's passbook money is not reduced to within the second limit or a further passbook is not issued to the user even after a predetermined time has elapsed, the added cybermoney (which may have been stored in the virtual account) may be deleted. It may be. The virtual account may be a storage means distinguished from the bank account or one or more bank accounts that may be additionally issued to the user.

The money transfer unit 124 transfers the wallet money to the bankbook or transfers the bankbook money to the wallet according to a user's request or a request of the money limit management unit 123. Such a transfer may be made between the wallet and the passbook of the same user or between the wallet and the wallet or the passbook and the passbook or the passbook of other users.

The money settlement unit 125 performs payment using the user's wallet money.

In the wallet database 126, wallet money is stored for each wallet assigned to each user. For example, total wallet money, wallet money transfer history, wallet money deposit history, and payment history are stored.

In addition, in the bankbook database 127, bankbook money is stored for each bankbook assigned to each user, and for example, total bankbook money, bank account money transfer history, bankbook money deposit history, and the like.

Here, the transfer details include the transfer date, the transfer amount, etc. transferred between the wallet money and the bank account money, and the deposit details include the deposit date, the deposit amount, etc. of the newly deposited wallet / or bank money by the cyber money granted to the user. . The payment details include the amount paid using the wallet money, the date of payment, and a payment item indicating what the payment is for.

The authentication server 150 performs member registration of a plurality of users and authenticates users. To this end, the authentication server 150 corresponds to an identifier (user ID) assigned to a user, a password for logging in, a social security number, a name, a postal address, an e-mail address, a contact (mobile phone number or a landline phone). Number, etc.) may include a separate database in which user information is stored.

In the embodiment of the present invention, each component of each server 110 to 150 is illustrated to operate in the server, but is not limited thereto, and may be implemented as an independent server to process a corresponding function. It is not limited to being classified as described. In addition, the databases may be implemented in a form that is included in all one server, not individually included in each server.

Next, a cyber money management method according to an embodiment of the present invention will be described based on such a structure.

First, the process of providing cyber money to users will be described.

3 is a flowchart illustrating a cyber money providing process according to an exemplary embodiment of the present invention.

Various money, such as when a user accesses the system 100 to purchase an item required for a game, participates in a predetermined event provided by the system, or wins by participating in a game provided by the system. When the provision condition occurs, the money providing unit 121 of the money management server 120 provides a predetermined cyber money to the user (S100 to S130).

The money provider 121 inquires how to store and use the cyber money while notifying the user of the amount of cyber money provided. That is, how to use the cyber money divided into wallet money and bankbook money (S140).

Accordingly, when the user requests to store and use the cyber money provided separately from the wallet money and the bank account money, the money limit management unit 123 stores the current total wallet stored in the user's wallet from the wallet database 126. Check the money (S150 to S160), and determine whether the sum of the total wallet money and the money (separation request money) requested to use the cyber money provided by the user as the wallet money exceeds the set first limit (S170 to S160). S180).

When the sum amount does not exceed the first limit, the money separator 122 stores a part of the cyber money requested by the user as the user's wallet, and stores the remaining cyber money in the user's account (S190).

On the other hand, if the total amount exceeds the first limit in step S180, the user is notified that the total wallet money has exceeded the limit and requests the user to reset the amount to be used as the wallet money (S200). Thereafter, when the user requests to save the predetermined money again as the wallet money, the steps S150 to S200 are repeated, so that a part of the cyber money provided by the user is stored as the wallet money within the first limit, and the rest of the account is the bankbook. It can be stored and managed as money.

Alternatively, the user may request to store and manage all the provided cyber money as a bankbook or wallet money, in which case the money separator 122 stores all the cyber money provided to the user in the user's bankbook or wallet. (S210). At this time, if the user requests to store all the provided cyber money as the wallet money, the above-described steps (S180 to S200) may be performed to ensure that only the wallet money within the first limit is stored in the user's wallet.

Thereafter, the money separator 122 notifies the user of the total wallet money of the corresponding wallet and the total bankbook money of the bankbook, so that the user can check the cyber money management state (S220).

On the other hand, unlike the above, if the user is provided with a predetermined cyber money, the money separator 122 stores the cyber money as a wallet money within the range that the user's wallet money does not exceed the first limit, You can even automate the process of saving the rest to your bank account.

Next, as described above, a case in which the user uses a predetermined game service based on the cyber money managed by separating the wallet money and the bank account money will be described.

4 is a flowchart illustrating a game process according to an exemplary embodiment of the present invention.

In this embodiment, in every case where cyber money is required during game play, the user's wallet money is used. Thus, the wallet money functions as a game money for the game.

First, a plurality of users directly access the channel server 130 by executing a user program provided by the interface server 110 to play a game using their terminal 300 or directly through a web browser. Access to the server 110 to select a game to play (S300). At this time, it is assumed that the user program is pre-installed, but if not, the interface server 110 or the channel server 130 may determine this and install the user program for the game when necessary. To control.

When the game is selected by the user, the channel server 130 displays the channel list of the game stored in the channel database 131 through the interface server 110 or directly on the user terminal 300 (S310). One channel to play the game is selected from the channels displayed on the terminal 300 of the user. For example, if the channel list is displayed by rating, the user may select a channel that matches his rating.

As such, when a channel is selected by the user (S320), the channel server 130 determines whether the channel can be entered based on the wallet money information of the user. For this purpose, for example, after the login to the user is first performed by the authentication server 150, the wallet money information of the user may be obtained using the ID of the logged-in user. That is, when the user logs in, the channel server 130 requests the user's wallet money information while transmitting the user's ID provided from the authentication server 150 to the money management server 120 (S330). Accordingly, the money management server 120 extracts the total wallet money stored in the wallet corresponding to the user's ID from the wallet database 126 and transmits the total wallet money to the channel server 130 (S340). The channel server 130 ) Compares the transferred total wallet money of the user with the admission allowance money (obtained from the channel database) granted to the channel selected by the user (S350).

If the total wallet money of the user is within the allowable money, admission to the selected channel is finally allowed (S360), and if the total wallet money exceeds the allowable money, the user cannot enter the selected channel. Notify (S370). If notified, the user can request a wallet money transfer. When the user requests to transfer a portion of his wallet money to his bankbook (S380), the money transfer unit 124 of the money management server 120 may purchase as much wallet money as the amount requested by the user. Transfer to bank account (S390). The transfer details are recorded in the wallet and bankbook databases 126 and 127, respectively. Thereafter, when the user reselects the channel, whether to allow the channel is determined based on the wallet money remaining after the transfer process (S400). For example, if the user's selected money is between $ 100,000 and $ 100,000, if the user's wallet money is $ 150,000 and cannot enter the channel, the user requests to transfer $ 80,000 to his bank account. Can be. Accordingly, the user's wallet money is 70,000 won, the user can enter the selected channel.

When the user enters the channel selected by the user, the channel server 130 displays a list of game rooms opened in the corresponding channel stored in the channel database 131 on the user terminal 300 (S410), and the user owns the terminal 300. Select one of the game rooms shown in the table to enter. Therefore, a predetermined game is made in the game room where the user enters. At this time, when entering the game room selected by the user, the game server 140 starts a game between the counterpart user and the entered user when there is already another counterpart user in the game room. After waiting until the other counterpart user enters, when the counterpart user enters, the game may be started (S420).

As such, when a game is started between users entering a specific game room, the game server 140 advances the game according to the logic of the game. If the cyber money use condition occurs, such as when a user purchases an item required for the game or bets in a game such as poker during game play, the game server 140 performs payment of the cyber money required according to the use condition. The request is made to the money management server 120, and the payment unit 125 of the money management server 120 pays the cyber money (hereinafter, used amount) requested for payment using the user's wallet money.

5 is a flowchart illustrating a payment process using a wallet money according to an embodiment of the present invention.

As shown in FIG. 5, when the payment is possible with the wallet money stored in the user's wallet, the payment unit 125 pays the use amount requested from the game server 140 with the wallet money ( S500 to S520). On the other hand, if the payment amount exceeds the user's wallet money, the payment unit 125 notifies the user that payment is impossible (S530). Accordingly, when the user requests to transfer his bankbook money to the wallet, the money transfer unit 124 transfers the predetermined bankbook money (bankbook money corresponding to the amount requested by the user) stored in the user's bankbook to the user's wallet. (S540 to S550). Thereafter, the payment unit 125 pays for the payment amount using the increased money for the transfer process (S560). On the other hand, in this case, in order to prevent the user from spending all of the bankbook money, the money transfer unit 124 may selectively allow the transfer to the wallet when the user's bankbook money is less than the set value. Specifically, in order to prevent the user from using the bank account indiscriminately and using all of the cyber money he owns, the bank account money remaining after the transfer is set according to the user's transfer request and the minimum balance is set for each bank account. If it is less than the minimum balance, no money transfer will be performed. If the user keeps requesting the transfer despite notifying the user that the bank account balance is less than the minimum balance, the transfer may be selectively allowed.

On the other hand, the money transfer process described above may be performed automatically. That is, even if there is no user request, if the payment is not possible only by the user's wallet money, the money transfer unit 124 automatically transfers the bankbook money stored in the user's bankbook to the user's wallet, and at this time, the amount transferred is paid by the wallet money. In one case, the amount may be as much as the amount of money, or the amount may be money corresponding to a predetermined percentage of the amount, or may be a certain amount of money. Even in this case, in order to prevent the indiscriminate use of the passbook money, money transfer processing can be performed so that the passbook balance remaining after the transfer process does not become smaller than the minimum balance.

After that, the game server 140 checks whether the game is finished, and if it is determined that the game is finished, the game server 140 performs a wallet money transfer between users according to the game result. In other words, the loser's wallet money is transferred to the winner's wallet money. The process of transferring the loser's wallet money may be performed in the same manner as the money transfer process described above. On the other hand, when the loser's wallet money is transferred to the winner's wallet money, the money limit management unit transfers the excess wallet money to the winner's account when the total amount of the winner's wallet money exceeds the first limit set in the wallet. Transfer Accordingly, the wallet money is always kept at the first limit so that the user can use the cyber money more efficiently.

The cyber money management method may be applied to auction services in addition to game services such as GoStop and Hula, and may also be applied to electronic commerce. In addition to these examples, the cyber money management method may be equally applied to all services using cyber money.

Although the present invention has been described with reference to the most practical and preferred embodiments, the present invention is not limited to the above disclosed embodiments, but also includes various modifications and equivalents within the scope of the following claims. For example, the above-described embodiment may be equally applied to cyber money provided on a wireless network such as wireless internet as well as cyber money on a wired internet.

According to this embodiment of the present invention, by managing the cyber money provided on the network divided into a first payment means that can be used when using the service and a second payment means that can only be transferred without using the service, users are more efficient You can use cyber money with stability.

Accordingly, it is possible to prevent the user from using all of the provided cyber money indiscriminately. As a result, more stable service usage can be achieved by minimizing the possibility of illegal activities against cyber money.

1 is an overall structural diagram of a cyber money management system on a network according to an embodiment of the present invention.

FIG. 2 is a detailed structural diagram of the money management server shown in FIG. 1.

3 is a flowchart illustrating a cyber money providing process according to an exemplary embodiment of the present invention.

4 is a flowchart illustrating a game process using cyber money according to an embodiment of the present invention.

5 is a flowchart illustrating a payment process using cyber money according to an embodiment of the present invention.

Claims (15)

delete delete delete In the cyber money management method of the cyber money management system which is connected to a plurality of user terminals through a network and provides and manages the cyber money to the user, a) the system providing cyber money to the user; b) the system divides the cyber money into a wallet money and a bank account, sets a first limit and a second limit, which are limits of cyber money that can be stored in a wallet and a bank account, respectively, and then stores the wallet money and the bank account money, respectively. step; c) the system determining whether the total wallet money in the wallet exceeds the set first limit; And d) If the total wallet money exceeds the first limit, the system transfers the wallet money corresponding to the amount exceeding the first limit to the user's bankbook so that the wallet money is within the first limit. Steps to be managed Including, In the step b), if the sum of the wallet money distributed from the cyber money and the wallet money stored in the wallet exceeds the first limit, the wallet money corresponding to the excess amount is transferred to the user's bankbook and the bankbook money Used as If the cyber money is to be used according to the user's use of the predetermined service, the cyber money management method so that the service is provided to the user using only the wallet money. delete In the cyber money management method of the cyber money management system which is connected to a plurality of user terminals through a network and provides and manages the cyber money to the user, a) the system providing cyber money to the user; b) the system divides the cyber money into a wallet money and a bank account, sets a first limit and a second limit, which are limits of cyber money that can be stored in a wallet and a bank account, respectively, and then stores the wallet money and the bank account money, respectively. step; c) when a payment request for using a predetermined service is input from the user terminal, determining, by the system, whether the payment request amount can be paid by the user's wallet money; d) when the wallet money is more than the payment request amount, the system performing payment by the user's wallet money; e) when the wallet money is smaller than the payment request amount, the system transferring the bankbook money stored in the user's bankbook to the wallet, and performing a payment using the wallet money in the transferred wallet; Including, In the step e), when the bankbook money is transferred to the wallet, if the bankbook money balance remaining after the transfer is smaller than the set minimum balance, the cyber money management method is not performed. delete delete delete In the cyber money management method of the cyber money management system connected to a plurality of user terminals via a network, providing a predetermined game service to the user, and managing the cyber money used when the user uses the game service, a) The system divides the cyber money provided to the user into a wallet money and a bank account and sets a first limit and a second limit, which are limits of cyber money that can be stored in the wallet and the bank account, respectively, and then the wallet money and the bank account money. Storing each; b) when the selection signal of a predetermined game is input from the user terminal, providing a list of a plurality of channels for playing the game to the user; c) when the user selects a predetermined channel, the system comparing the money allowed to the channel with the wallet money stored in the user's wallet; d) allowing the user to enter the selected channel if the user's wallet money does not exceed the admission allowance money; And e) providing a predetermined game service to a user who has entered the selected channel and a counterpart user by the system; Including The second limit is set in correspondence with the first limit, and when the bankbook money held by the user exceeds the second limit, a virtual account is issued to the user, and the bank account that exceeds the second limit is stored in the virtual account. How to manage cyber money delete In a system that is connected to a plurality of user terminals through a network, to provide and manage cyber money to the user Money providing unit for providing a cyber money to the user connected to the system; A money separation unit for controlling a process of separating and storing cyber money provided to a user into a wallet money and a bankbook money, respectively, in a wallet and a bankbook; A wallet database in which wallet money and change information of wallet money are stored for each wallet given to each user; A bankbook database in which bankbook money and change information of the bankbook money are stored for each bankbook granted to each user; A money limit manager for assigning a predetermined limit to the wallet and managing the wallet money stored in the wallet not to exceed the limit; A money transfer unit for transferring a wallet money to a bankbook or transferring a bankbook money to a wallet at the request of the user or a request of a money limit management unit; And  If the cyber money is to be used according to the user's use of the predetermined service, the payment unit that pays the amount of the service using the user's wallet money Cyber money management system comprising a. delete  In a system connected to a plurality of user terminals through a network, providing a predetermined game service using a cyber money to the user, and manages the cyber money, Provides game-specific data and game room-related data opened in the channel with reference to a channel database storing a list of game-specific channels, admission-capable money for each channel, and game room-related data established in the channel. A channel server that enables the user to play a game in the selected game room when the user selects a specific game room of a specific channel; A game server that provides a game service to users who enter a game room in a channel provided by the channel server, by referring to a game database that stores game related logic information for the user; And The cyber money provided to the user is divided into a wallet money and a bank account money and stored in a wallet and a bank account, respectively, and managed, and a money management server using only the user's wallet money when cyber money is to be consumed during game play. Including, The channel server allows entry to the selected channel if the user's wallet money does not exceed the admission allowance of the channel selected by the user. The money management server Money providing unit for providing a cyber money to the user connected to the system; A money separation unit for controlling a process of separating and storing cyber money provided to a user into a wallet money and a bankbook money, respectively, in a wallet and a bankbook; A wallet database in which wallet money and change information of wallet money are stored for each wallet given to each user; A bankbook database in which bankbook money and change information of the bankbook money are stored for each bankbook granted to each user; A money limit manager for assigning a predetermined limit to the wallet and managing the wallet money stored in the wallet not to exceed the limit; A money transfer unit for transferring a wallet money to a bankbook or transferring a bankbook money to a wallet at the request of the user or a request of a money limit management unit; And If the cyber money is to be used according to the user's use of the predetermined service, the payment unit that pays the amount of the service using the user's wallet money Game system comprising a. delete