KR20010060359A - The revulsion system of cyber money and its method - Google Patents

Abstract

PURPOSE: A cyber money pay-back system and a method thereof are provided to enable a member to encash a small amount of cyber money in a short time, and to enable an affiliated company to reduce the cost for accounting of cyber money by exchanging various cyber money issued from the affiliated company, and by accumulating the cyber money exchanged. CONSTITUTION: Affiliated company systems(100,200), a common cyber money operation system(300) and a member database(400) are connected through a communication network. The affiliated company systems(100,200) and the common cyber money operation system(300) include a database for storing determined data on member information, cyber money and so on. A client(400) is a computer for connecting to a server computer. In case that the client(400) makes a request for a member approval and a cyber money exchange, the affiliated company systems(100,200) and the common cyber money operation system(300) performs the approval and provides cyber money.

Description

Cyber money recovery system and its method {THE REVULSION SYSTEM OF CYBER MONEY AND ITS METHOD}

The present invention relates to a cyber money recovery system and a method thereof. Specifically, the cyber money provided by each affiliate is converted into a joint cyber money and provided to each user to be exhausted, and the cyber by each affiliate converted for a certain period of time. The present invention relates to a cyber money recovery system for storing money accumulated in money and then exchanging it for cash.

As the production technology of products is standardized and generalized in most industries, product quality is uniform and product differentiation is difficult. Accordingly, there is an intense price competition and service competition through price destruction. In other words, in the purchase market with little product differentiation, consumers recognize price and service as an important factor of product purchase, and thus companies use price and service as the most important means of competition. In such a competitive market environment, firms competitively secure prices in order to secure a market, resulting in reduced operating profits and even losses for all related companies.

As a result, companies have developed various means to promote sales instead of lowering prices. Among them, the prominent ones are advertisements that imprint the image of the company or its products in the emotions and memories of consumers, and the purchase of the products repeatedly, Internet companies operate a cyber money system that pays a certain amount of cyber money (bonus points, mileage, cyber cash, etc.) when new members register on their sites. The cyber money system is a fact that the cost of selling additional products to loyal customers who are loyal to the product is much lower than the cost of selling them to new customers. It is actively using the fact that it can maximize the advertising effect.

However, in reality, buyers have to buy a company's product for a certain amount of money to receive meaningful cyber money, so the effort and perseverance of repeatedly buying the company's products or visiting the Internet site frequently and clicking on banner advertisements for a considerable period Required. Therefore, in general, the buyer gives up on the continuous purchase, and as a result, the buyer loses the accumulated cyber money by abandoning the current place of purchase, and as a corporate standpoint, the plan is to secure fixed customers. At the same time, the recovery of the money invested to implement the cyber money system is also opaque.

In order to solve this problem, there have been attempts to exchange cyber money issued from a plurality of companies. For example, Korean Patent Publication No. 1999-78768 discloses a method of exchanging bonus points issued from various companies. However, the above-described method has only been described as exchanging bonus points issued from various companies, and there is a problem in that no specific indication on which exchange rate should be exchanged is given.

In addition, most companies that issue cyber money have a general rule that "only if they accumulate more than a certain amount of cyber money can be cashed." The closer it is, the greater the burden on the company's management.

The present invention is to solve the above problems, the various cyber money issued by the partner companies to exchange the joint cyber money, and in this way accumulate the amount of cyber money exchanged for a certain period of time, and then accumulated by each partner It is an object of the present invention to provide a cyber money recovery system and method for exhausting cyber money and claiming a cost thereof.

Still another object of the present invention is a valid exchange range applied when exchanging cyber money of each partner for joint cyber money, a settlement rate for settlement of accumulated cyber money in cash, a burnout rate of joint cyber money, and the exchange rate and settlement Is to set the relationship between the rates.

1 is a system configuration diagram of a cyber money recovery system according to the present invention,

2 is a functional block diagram illustrating the overall functionality of the present invention.

3 is a system configuration diagram showing a joint cyber money operating system.

Figure 4 is a more detailed embodiment of the present invention, a system configuration diagram showing the connection between the internal cyber money management system and partner systems, member clients and the internal configuration.

5 is a flowchart showing the overall process of the cyber money recovery system according to the present invention;

6 (a), 6 (b) and 6 (c) are site construction screens for explaining the exchange of cyber money.

******* Explanation of the main signs in the drawings ***********

100: affiliate A system 200: affiliate B system

300: Joint Cyber Money Operation System 400: Member

110, 210: Cash ratio of affiliate cyber money for each affiliate

120, 220: Partner cyber money DB by member

310: cyber money exchange cost storage unit

320: total cyber money exchange amount storage unit for each affiliate

330: Joint cyber money DB for each member

340: cash rate ratio storage of joint cyber money

350: burnout rate of joint cyber money

500, 510: Cash Settlement Ratio Storage Unit

The above object of the present invention is a method for recovering cyber money issued by a plurality of affiliates, wherein the cyber money for exchanging affiliate cyber money issued by the multiple affiliates with the joint cyber money according to each partner cyber money exchange rate (α) And an exchange step, an affiliate cyber money accumulating step of accumulating the total amount of the affiliate cyber money exchanged for a predetermined period, and a cyber money feedback step of returning the accumulated affiliate cyber money to the affiliate who issued the cyber money. It can be achieved by the cyber money recovery method.

The above object of the present invention is a method of recovering cyber money issued by a plurality of affiliates, the cyber money exchange step of exchanging affiliate cyber money issued by a plurality of affiliates to joint cyber money according to each partner cyber money exchange rate; The partner cyber money accumulating step of accumulating the total amount of each partner cyber money exchanged for a certain period of time, exhausting each accumulated partner cyber money, and issuing a cash sales slip of the actual amount corresponding to the cyber money to each partner. Receive the actual amount according to each partner's cyber money settlement ratio (Exa) as a reward for the cyber money exhaustion stage and the return of each partner's cyber money from each partner, and cash sales as much as the difference between the actual amount according to the cash sales statement and the settlement ratio Cybermer comprising the step of receiving the slip By the recovery process it can be achieved.

The above object of the present invention, the affiliate system including a member affiliate partner cyber money DB that stores the amount of affiliate cyber money possessed by each member, and manages the joint cyber money exchanged from the affiliate cyber money, and the joint cyber money for each member Exchange cyber money using a joint cyber money operation system that includes a joint cyber money DB for each member who holds the quantity held and a total cyber money exchange amount storage for each partner that stores the quantity exchanged for each partner exchanged for a certain period of time. In the way,

Affiliate selection step in which a member connected to the joint cyber money operation system selects an affiliate to exchange cyber money and inputs a member ID and password,

Reading the amount of affiliated cyber money owned by the member from the affiliated cyber money DB for each member stored in the selected affiliated system, and displaying it to the member;

Exchange amount input step of entering the amount of affiliate cyber money that the member wants to exchange,

If the amount of exchange is within the affiliate cyber money limit held by the member, the exchange request is displayed between the affiliate and the joint cyber money operator according to a predetermined exchange fee, and in response, the user requests the cyber money exchange. step,

Enter the amount of cyber money change by subtracting the amount of affiliated partner cyber money from member affiliated cyber money DB and adding the exchanged amount of joint cyber money to joint cyber money DB by member of the joint cyber money operation system.

Total cyber money storage step for each partner that stores the total cyber money exchange amount for each partner exchanged by each member of each affiliate for a predetermined period of time between each partner and the joint cyber money operator And

After the predetermined period has elapsed, the cyber money exchange method comprising the step of feeding the total cyber money for each partner stored in the total cyber money for each partner to each partner and the initialization step of initializing the total cyber money exchange amount storage unit for each partner It can also be achieved by.

Hereinafter, the present invention will be described in more detail with reference to the accompanying drawings.

1 is a system configuration diagram of a cyber money recovery system according to the present invention. The number of member clients or affiliate systems is not limited to the illustrated city, and a number of individuals may exist.

As shown in FIG. 1, the overall system according to the present invention has a configuration in which affiliate systems 100 and 200, a common cyber money operating system 300, and a member client 400 are connected through a communication network. In addition, the affiliated systems 100 and 200 and the joint cyber money operating system 300 include a database for storing predetermined data such as member information and cyber money information.

The client 400 is a computer for accessing a server computer. The client 400 is an auxiliary device such as a basic computer, an input device such as a mouse and a keyboard, an operating system supporting overall operation, a network card for communication, a main memory device of 16M bytes or more, and a hard disk. An output device such as an apparatus, a display device, or a printer.

Affiliate system and joint cyber money operation system (100, 200, 300) is to provide authentication and cyber money exchange when a client requests membership authentication or cyber money exchange, and is a small system. In some cases, it may have a configuration similar to that of a client, and in order to provide various information to many users at the same time, a firewall for security, an authentication server for member authentication, and an application for controlling useful applications provided to users may be used. A server, a database server for controlling various databases, and the like may be provided.

2 is a functional block diagram illustrating the overall function of the present invention. Cyber money refers to electronic money, electronic checks, electronic wallets, electronic money transfers, etc., which are commonly used in cyber space, not real money, and can be used to purchase goods in electronic commerce or exchange them for real money if necessary. do. Affiliate (201) refers to a company that has contracted to exchange cyber money with the joint cyber money operator (301) among the issuers of cyber money, and the member (400) uses the cyber money provided by the affiliate company (201). A person who has made an agreement to use the common cyber money as a person who accumulates. The joint cyber money operator 301 refers to a company operating a system that is responsible for the exchange, accumulation and exhaustion of each cyber money issued by the affiliate 201 according to the method of the present invention.

The affiliate 201 and the joint cyber money operator 301 agree on the cyber money exchange rate and settlement rate. (Step (1)) Here, the exchange rate of cyber money refers to the rate of exchanging cyber money of affiliates with common cyber money. For example, if the cyber money 100 issued by "S.K. Co., Ltd." is exchanged for the joint cyber money 10, the exchange rate is defined as 0.1 (the amount of converted cyber money / partner cyber money). In addition, the settlement rate is the amount of cash received by the joint cyber money operator or fed back to the "SK corporation" and the cyber money of the "SK Corporation" accumulated by the joint cyber money operator in return. Means. In other words, if the amount of cyber money 10,000 issued by "SK Corporation" is exhausted or fed back to "SK Corporation" and the actual amount received from "SK Corporation" is 100, the settlement ratio is 0.01 (cash value / amount of spent cyber money). do.

According to the act of the member 400 joining an affiliated company, attending a special event, or purchasing a product, the affiliated company 201 provides the corresponding cyber money to the members 400 (step (2)). Affiliate members (400) may purchase cyber money issued by the partner through the partner's site or directly consume it through cashing (step (3)). As mentioned above, since a significant amount of cyber money must be accumulated, most cyber money will not be used without being exchanged. At this time, the member 400 may exchange the cyber money issued by the affiliated company 201 into the joint cyber money through the joint cyber money operator 301. This exchange brings the effect of integrating a small amount of cyber money issued by various companies into a common cyber money. The joint cyber money operator 301 induces members to exhaust the exchanged joint cyber money by providing a game or an electronic shopping mall. In particular, when operating a probability game such as a casino, it is possible to increase the burnout rate since there is a general tendency to concentrate on the game until the members lose their cyber money. At this time, some of the members 400 may be provided with prizes and the like from the joint cyber money operator 301. (Step (4), (5))

In this way, the cyber money issued by each affiliate 201 is accumulated in the joint cyber money operator, and the member 400 manages the exchanged joint cyber money by the joint cyber money operator or enters into a game or electronic contract. Exhausted through the shopping mall site. The accumulated cyber money of each affiliate is returned to each partner (step (6)) or exhausted by the joint cyber money operator, and the affiliate 201 is returned or exhausted to the joint cyber money operator 301. Cash will be provided in return. (Step 7)

3 is a system configuration diagram showing a joint cyber money operating system. 3 shows an affiliated A (100) system and an affiliated B (200) system, each of which has members A1, member A2, and members B1, B2. The number of affiliates and the number of members of each affiliate is not limited to the city shown in the drawings, and a number of individuals may exist. The number displayed on the arc of each member indicates the amount of cyber money of each affiliate held by each member. That is, members A1 and A2 own cyber money 100 and 200 issued by affiliate A, respectively, and members B1 and B2 own cyber money 400 and 500 issued by affiliate B, respectively. Members of each affiliated company connects to the affiliated system 100 (200) or the common cyber money operating system 300 through an internet network using a user computer (not shown in the figure). As described in FIG. 2, each member 400 acquires cyber money issued by the affiliate system 100 and 200, and then consumes it in the affiliate through a shopping mall or cash provided by the affiliate, or a joint cyber money operating system. After connecting to the partner 300, the affiliated cyber money is converted into the joint cyber money, and the service provided by the joint cyber money operating system 300 may be used.

Each affiliate system stores the information on the amount of cyber money owned by the member using the affiliate cyber money DB (120; 220) for each member. Each partner also keeps information about its own cash rate for cyber money issued. In this case, the term "archive" means a concept including various methods such as storing the information in a predetermined storage location in a computer or writing the information in a physical book. In the case of using a computer, in order to calculate the information about the cashing ratio 110, after recording data on the amount of cyber money issued by an affiliate for a certain period and the amount of cyber money that has been cashed in the same period, It can be calculated by dividing the amount of cashed cyber money by the total amount of cyber money. The rate of self-cashing means the rate at which cyber money issued by affiliate A is actually cashed over a period of time. For example, if an affiliate issues 10,000 points of cyber money for a year, the member exchanges for cash. If the amount is 100 points of cyber money, the monetization ratio is 100 / 10,000 = 0.01. For convenience of explanation, the cashing rate of Partner A is Say that partner B's cash rate is D.

Each affiliate cyber money owned by the affiliate members is exchanged into the joint cyber money by the information recorded in the cyber money exchange cost storage unit 310. For convenience of explanation, the exchange rate of the affiliate A is The exchange rate of Affiliate B is Let's define. According to the cyber money exchange cost storage unit 310 of FIG. 3, the cyber money 100 of the affiliated company A is exchanged for the joint cyber money 10. (The amount of joint cyber money exchange / affiliate A cyber money), and the cyber money 100 of affiliate B is exchanged for the joint cyber money 30. (The amount of joint cyber money exchange / affiliate B cyber money).

Affiliate members do not need to exchange all cyber money owned by common cyber money, but it is assumed in FIG. 3 that all cyber money held by affiliated members is exchanged by common cyber money for convenience of explanation. The joint cyber money management system 300 stores all cyber money amounts exchanged from each affiliate system 100 (200) in the total cyber money exchange amount storage unit 320 for each affiliate. For example, referring to Affiliate A, the amount of cyber money inputted from Affiliate A by the Affiliate Cyber Money Operators is exchanged because both the Affiliate Cyber Money 100 held by Member A1 and the 200 Cyber Money 200 held by Member A2 are exchanged for joint cyber money. (= 100 + 200) is stored in the total cyber money exchange amount storage unit 320 for each affiliate, and the cyber money exchange amount of affiliate B in the same manner (= 400 + 500) is also earned in the total cyber money exchange amount storage unit 320 for each partner.

In addition, the joint cyber money operation system 300 includes the joint cyber money member information DB 330 that stores information on the joint cyber money owned by each member, the self-cashing rate (ρ) and the joint cyber money burnout rate of the joint cyber money operator. It holds information about (v).

The joint cyber money operator will collect the amount of cyber money of each affiliate exchanged for a certain period of time and then exhaust it or return it to each affiliate (step (6)). The amount of money is settled according to the settlement ratio (Exa; Exb) and paid in cash to the joint cyber money operator. (Step (7-1)) As a way of actually operating such a system, a joint cyber money operator issues a sales slip corresponding to the total amount of cyber money to the partner (step (6)). Pays cash to the joint cyber money operator in accordance with the settlement ratio (Exa; Exb) (step (7-1)) and at the same time, "Sales issued in step (6) and cash paid in step (7-1). Will be issued as the sales slip. Running your business in this way has the advantage of increasing revenues for affiliates and joint cyber money operators.

For example, the affiliated company A of FIG. 2 will be described as an example. Since the total amount of cyber money of the company A is 300 points, the joint cyber money operator issues a sales slip of 300 won to the affiliated company A, and the sales slip of 300 won. In response, Partner A sends cash to the co-operative cyber-money operator at 300 * Exa and issues a sales slip for the co-operative cyber-money operator to the amount calculated at 300 (1-Exa). In the above example, the sales slip corresponding to the total amount of cyber money is issued to affiliate A. However, according to the agreement between the partner and the joint cyber money operator, only a certain percentage of the total amount of cyber money is recorded. Therefore, appropriate documents should be issued in steps (7-1) and (7-2). That is, in the case of FIG. 3, when a contract for issuing 50% of the total amount of cyber money is issued as a sales slip according to the agreement between the partner A and the joint cyber money operator, the joint cyber money operator is 150 won. Is issued to affiliate A, and in response to the sales statement of KRW 150, affiliate A delivers the cash calculated at 300 * Exa to the joint cyber money operator and at the same time, the amount calculated at 300 (0.5-Exa). The sales slip is issued to a joint cyber money operator.

The joint cyber money operation system, as described above, provides members with games or electronic shopping malls to induce exchanged joint cyber money within the common cyber money operator. At this time, the burnout rate is marked as V, and as the burnout rate is increased by using a probability game, it can be operated as a system that can reduce the amount of cash to be returned to the members.

Below is the exchange rate ( ), Settlement Ratio (Exa, Exb) and Cash Ratio ( Explain the relationship between

1. Cash ratio of partner companies ( ) And the relationship between the settlement ratio (Exa; Exb)

Affiliate A's rate of self-cash ) And the settlement ratio Exa preferably have the same relationship as in Equation (1).

In general, cyber money issued by affiliate A to its members is generally cashed only after a certain amount of cyber money is accumulated. For example, Korean Air stipulates that the mileage can only be exchanged for domestic tickets if the mileage is more than 50,000 points, and cannot be used if the mileage is less than 50,000 points. Therefore, in consideration of this, the settlement ratio (Ex) should be lower than the partner's own cash ratio (α). In other words, the joint cyber money system collects and exchanges a small amount of affiliate cyber money of various members of the affiliates, so if the partner's own cash rate and settlement rate are the same or the mental rate is set to be high, This is because the company loses management by the cyber money recovery method. Generalizing Equation 1 can be described as Equation 2.

2. Affiliate Cyber Money Cash Ratio ( ) And the cash rate (ρ) and cyber money exchange rate of joint cyber money operators ( Relationship with)

For convenience of explanation, the affiliate A will be described as an example. One point of cyber money issued by affiliate A has a So if you cash it, It becomes a circle. Similarly, the rate at which one point of the joint cyber money of the joint cyber money operator is cashed is defined as ρ.

From a member's point of view, if the cyber money issued by affiliate A is changed to a joint cyber money, it is desirable to have the same cash value if possible, and that the joint cyber money operators can provide intangible enjoyment or other services through games. If so, it may be possible to have a cash value that is lower than the cash value provided by the partner after the exchange. However, joint cybermoney operators must provide new game information or other services that are useful to their members, so if you change the cybermoney issued by affiliate A to a common cybermoney, you will need to bring low cash value. That is, the condition as shown in Equation 3 must be provided.

In this case, since the converted cyber money amount can be determined as "(affiliate cyber money amount) * exchange rate", it is developed as shown in equation (4).

At this time, if the amount of affiliate cyber money on both sides is removed, a final relationship as shown in Equation 5 is established.

3. Relationship between burnout rate (v) and cash rate (ρ) and settlement cost (Ex) of common cyber money

The total amount of cyber money of Affiliate A exchanged for joint cyber money by Affiliate A member for a certain period of time. A joint cyber money operator The exchange fee for exa and partner A's cyber money exchanged for joint cyber money. When the rate at which the joint cyber money is cashed ρ and the rate at which the joint cyber money is used up within the joint cyber money operator is V, the cyber money issued by the partner A during the period is The amount to be cashed is shown in Equation 6.

Cash amount in the operator = [the amount of cyber money remaining without being exhausted] * cash rate

=

The amount of cash in Equation 6 that is cashed in the joint cyber money operator is It is desirable to have a relationship as shown in Equation 7 with the amount of cash received or fed back to the partner and in return from the partner.

Cash amount to be settled> = [the amount of cyber money remaining without being exhausted] * Cash rate

From the perspective of the joint cyber money operator, the meaning of the equal sign in Equation 7 is paid by the joint cyber money operator due to the partner A's cyber money exchanged for the amount of cash received for the exhaustion or feedback of the partner's cyber money. This means that the amount of cash you have to do is the same. Inequalities in Equation 7 means that the cash amount received for the exhaustion or feedback of the partner's cyber money is more than the cash amount paid by the joint cyber money operator due to the exchanged cyber money of the affiliate A. Therefore, in order to obtain management profits from the exchange of cyber money, the relationship as shown in Equation 7 should be maintained.

The left and right sides of Equation 7 are summarized and generalized as shown in Equation 8.

Figure 4 is a more specific embodiment of the present invention, a system configuration diagram showing the connection and internal configuration between the joint cyber money operating system, affiliate system, member client.

As already shown in Figure 1, the overall configuration of the cyber money recovery system according to the present invention is connected to the affiliate system (100, 200), joint cyber money operating system 300, member client 400 via a communication network It is configured.

In addition, the internal configuration of each of the joint cyber money operating system 300 and the affiliate system 100, 200 is as shown in FIG.

The affiliate system 100, 200 comprises a DB server including a member database, a cyber money database, a currency exchange database, and an application server including a user confirmation module, a cyber money confirmation module, and a cyber money change module.

In addition, the joint cyber money operating system 300 includes a DB server including a LOG database, a member database, a joint cyber money database, a currency exchange database, an authentication server for performing member authentication, and a web service to a client connected to the system. It consists of a web server provided, an application server including a partner login module and a history check module, a firewall, and a router.

The interaction between each of these functions and the progress of the cyber money recovery system according to the present invention are shown in FIG. 5.

Figure 5 is a flow chart showing the overall process of the cyber money recovery system according to the present invention. The whole system is divided into three entities, namely, the affiliate system (100, 200), the joint cyber money operation system (300), and the member client (400), and according to each step, the internal flow of each entity and the mutual Interlock is shown.

The member client 400 inputs the login ID and password of the joint cyber money operating system 300 (step s1).

The joint cyber money operating system 300 determines whether the member is a legitimate member through the member DB. (S2 step)

If you are a legitimate member, click on the Cyber Money Exchange menu to exchange cyber money. (Step s3) If you are a non-member, get a new member ID. (step s2-1)

When the member selects the cyber money partner to exchange (step s4), the member is requested to input the member ID of the partner, and the member enters the partner ID and password accordingly. (s5 steps)

Through the member DB of the affiliate system 100, 200, it is determined whether the member is a legitimate member (s6), and if the member is a legitimate member, the affiliate cyber money DB for each member of the affiliate system 100, 200 is determined. After reading the data on the affiliate DB of the member (step s7), display it on the screen (step s7-1). If the member is not a valid member of the partner, an error message (step s6-1) is displayed. After sending, have the partner re-select or enter a new ID and password.

Enter the amount of cyber money to be exchanged among affiliate cyber money owned by the member. (s8 steps)

After checking whether or not the amount of cyber money entered is within the amount of use (step s9), if the amount of money within the amount of use is within the amount of exchanged cooperative cyber money and the remaining partner cyber money amount is displayed. (Step s10) If it is out of the usage limit, input again.

When the member requests the cyber money exchange in step s10 (step s11), a message is displayed to the member that the "cyber money exchange is completed" and the DB contents are modified. That is, the amount of the affiliated partner's cyber money of the member is subtracted from the affiliated partner cyber money DB (120, 220 in FIG. 2) (step s12), and the joint cyber money DB by member in the joint cyber money operating system (330 in FIG. 2). ), The amount of the converted cyber cyber money is added. (s13 step)

In other words, the member affiliate affiliate cyber money DB (120, 220 of FIG. 2) is subtracted from the amount of affiliate cyber money exchanged (s12 step), and the exchange is generated in the joint cyber money DB (330 of FIG. 2). Add the amount of joint cyber money (ADD). (s13 step)

The amount of partner affiliate cyber money exchanged by the member is accumulated in the total cyber money exchange amount storage unit (320 of FIG. 2) for each affiliate in the joint cyber money operating system. (s14 step)

This series of steps is carried out for a specified period of time between the partner and the joint cyber money operator, and then the total accumulated partner cyber money is exhausted or fed back to the partner or its system. (Step s15) After the exhaustion or feedback, the joint cyber money operating system initializes the total cyber money exchange amount storage unit 320 for each partner (step s16), thereby completing the exhaustion or recovery of the cyber money.

Of these steps, s12 to s14 can be processed in any order.

This completes the exchange of affiliate cyber money with common cyber money.

6 (a), 6 (b) and 6 (c) illustrate a site building screen for explaining a method of exchanging cyber money. For convenience of explanation, the cyber money issued by affiliate A will be referred to as a net point. As shown in FIG. 6 (a), when a member of the joint cyber money operating system enters the login ID and password of the affiliated company A, the available netpoints are displayed as shown in FIG. 6 (b). If the member inputs the amount of netpoints he / she wants to exchange, he / she calculates and displays the amount of joint cyber money exchanged according to a predetermined exchange rate. Clicking the exchange button displays the amount of netports remaining and the exchange information as well as the information exchanged as shown in Fig. 6 (c). Members can receive various services such as games and electronic shopping malls provided by joint cyber money operators using the exchanged joint cyber money.

In accordance with the present invention, the member can cash out the cash in a short period of time using a low cash value, and in the case of affiliates, the cyber money settlement cost is drastically reduced, and the savings can be reused as a marketing investment. New customers can be continuously introduced, and the use of cyber money can provide various prize acquisition opportunities to increase the use rate of existing customers.

In addition, joint cyber money operators will be able to expand their affiliates and members with continuous content upgrades based on the settlement fee income, bringing managerial benefits to all affiliates, members and joint cyber money operators.

In addition, when exchanging each partner's cyber money for joint cyber money, it presents various valid exchange ranges, settlement rate for settlement of accumulated cyber money in cash, exhaustion rate of joint cyber money and relationship between the exchange rate and settlement rate. It suggests how to manage cyber money efficiently among affiliates.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely illustrative and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. shall. Therefore, the true scope of protection of the present invention should be defined by the technical spirit of the appended claims.

Claims (10)

In the cyber money recovery method of exchanging a part of the cyber money issued by a plurality of partners to the common cyber money, and feedback the exchanged cyber money, A cyber money exchange step of exchanging affiliate cyber money issued by the plurality of affiliate companies to common cyber money according to each affiliate cyber money exchange rate (α); Affiliate cyber money accumulation step of accumulating the total amount of each affiliate cyber money exchanged for a certain period of time and And a cyber money feedback step of returning the accumulated affiliate cyber money to the affiliate who issued the cyber money. After the cyber money feedback step of claim 1, Each affiliate has a cash settlement step of paying the amount of cash calculated by multiplying the total amount of the cyber money accumulated by the affiliates in the partner cyber money accumulated step (Ex) a predetermined settlement ratio (Ex). The method of claim 2, And the settlement rate (Ex) is greater than the cash rate (α) when the cyber money issued by the affiliate company is the cash rate that is cashed in the affiliate company. The method according to claim 1 or 2, The monetization rate that the cyber money issued by the partner company cashes in the affiliated company is α, and the cash rate of the joint cyber money of the joint cyber money operator managing and managing the joint cyber money is p, When the rate at which the company's cyber money is converted into the common cyber money is φ, the α, ρ and φ satisfy the following equation. The method of claim 2, When the rate at which the joint cyber money is exhausted is V, the cash rate of the joint cyber money of the joint cyber money operator operating and managing the joint cyber money is ρ, and the settlement rate is Ex, the V, ρ And Ex satisfies the following equation. In the joint cyber money operating system that exchanges and operates and manages cyber money issued by plural partners, A cyber money exchange cost storage unit that stores information on the rate of exchange of cyber money issued by each partner for joint cyber money; An exchange means for exchanging affiliate cyber money owned by a member of an affiliated company with a joint cyber money by using the information recorded in the cyber money exchange cost storage unit; A total cyber money exchange amount storage unit for each affiliate that stores the total amount of cyber money exchanged with each affiliate Each member has a joint cyber money DB for each member that stores and manages the amount of joint cyber money held by each member, and feeds back the total cyber money for each partner stored in the total cyber money exchange amount storage for each partner to the corresponding partner for a certain period of time. The joint cyber money operating system, characterized in that the cash amount corresponding to a predetermined settlement ratio (Ex) of the total cyber money for each partner. The method of claim 6, The settlement rate (Ex) is greater than the cash rate (α) when the cyber money issued by the partner is the cash rate that is cashed in the partner is α. The method of claim 6, The monetization rate that the cyber money issued by the partner company cashes in the affiliated company is α, and the cash rate of the joint cyber money of the joint cyber money operator managing and managing the joint cyber money is p, When the rate at which the company's cyber money is converted into the joint cyber money is φ, the α, ρ and φ satisfy the following equation. The method of claim 6, When the rate at which the joint cyber money is exhausted is V, the cash rate of the joint cyber money of the joint cyber money operator operating and managing the joint cyber money is ρ, and the settlement rate is Ex, the V, ρ And Ex satisfies the following equation. Affiliate system including affiliated cyber money DB for each member that stores the amount of affiliate cyber money owned by each member, and the joint system for each member who manages joint cyber money exchanged from affiliated cyber money and keeps the amount of joint cyber money held by each member In the cyber money recovery method using a joint cyber money operating system including a total cyber money exchange amount storage unit for each partner that stores the total cyber money exchange amount for each affiliate exchanged for a certain period of time with the cyber money DB, An affiliate selection step in which a member connected to the joint cyber money operating system selects an affiliate to exchange cyber money and inputs a member ID and password; Reading the amount of affiliated cyber money owned by the member from the affiliated cyber money DB for each member stored in the selected affiliated system and displaying it to the member; An exchange amount input step of inputting an affiliate cyber money amount to be exchanged by the member; If the exchange amount is within the affiliate cyber money limit held by the member, the exchange request is displayed between the affiliate and the joint cyber money operator according to a predetermined exchange fee, and the user requests the cyber money exchange in response thereto. Steps and The cyber money amount input step of subtracting the exchanged partner cyber money amount from member affiliated cyber money DB and adding the exchanged joint cyber money amount to the joint cyber money DB by member of the joint cyber money operation system; Total cyber money storage step for each partner that stores the total cyber money exchange amount for each partner exchanged by each member of each affiliate for a predetermined period of time between each partner and the joint cyber money operator And After the predetermined period has elapsed, the step of providing a total cyber money for each partner stored in the total cyber money for each partner to each partner and the initialization step of initializing the total cyber money exchange amount storage unit for each of the affiliates, the cyber money change amount input step The cyber money recovery method, characterized in that the total cyber money storage step for each partner is performed in any order.