KR20010103406A - CM integrated processing system for publishing PM and for exchanging CM using PM as a go-between - Google Patents

Abstract

According to the present invention, cyber money, mileage, points, etc. (hereinafter referred to as cyber money CM) derived by offline transactions and e-commerce, which are performed through offline and online, respectively, are referred to as virtual money PM (potential money) potential according to the present invention. Cyber money integration system to integrate and process money). Through the cyber money integration system according to the present invention, each customer of each member company joining the integration system can use the cyber money CM issued by each member company not only in the customer's own member company, but also through virtual currency for other member companies. It can be used as a means of payment of transactions, and the cyber money can be exchanged into the virtual currency of the Cybex Bank (CEB) of the present invention, so that customers can join the integrated system even with the cyber money provided by their member companies. Can be targeted for further economic effects.

Description

CM integrated processing system for publishing PM and for exchanging CM using PM as a go-between}

The present invention provides an internet business solution for integrating and managing cyber money derived by transactions on-line and on-line (internet) as a virtual money PM according to the present invention.

Whether it is an existing offline company or an on-line company, each company can provide an individual or a company that purchased the product offline or on-line to provide a certain amount of cyber money to the corporation, depending on the amount purchased. Induces use.

However, the cyber money provided so far by each company, both offline and online, must be earned at least a certain amount of cash or goods according to the cyber money accumulated to the individual or corporation who purchased the product according to the accumulated cyber money. The amount of cyber money set by each company is excessively set so that only a large number of products can be purchased in order to reach a realistically available amount from the point of view of the individual or corporation who purchased the product. It is not uncommon for cyber money to be used in return for purchasing this product.

Also, from the point of view of the seller who provides the cyber money, in order to encourage consumers who have bought the product to purchase the product continuously, a certain percentage of the cyber money is provided to the consumer who purchased the product. The minimum amount of the money does not cause the company to lose money even if it gives cyber money in consideration of the sales volume and the amount of sales of its products. It is judged that the accumulation amount is set too high to receive, and the effectiveness of the consumer compensation method according to the conventional cyber money is questioned from the perspective of the provider of providing the cyber money.

In addition, cyber money may occur through economic activities in the real world (offline), and various economic activities on the Internet (cyber), for example, subscribe to a specific portal site, watch advertisements of a specific company, and various electronics. There are many cases that occur through commerce. Until now, it has been difficult to integrate and use cyber money generated by cyber activities and cyber money generated by economic activities in the real world.

Literature related to the conventional method of integrating cyber money will be described.

Korean Patent Publication Nos. 2000-0006725 and 2000-0012702 disclose a cyber money integration system. These integrated systems are designed to exchange cyber money of other companies through the website of the cyber money integration system for the purpose of mutual exchange of cyber money, and to provide cyber money subscribed to this website through this website. The member's cyber money is to be exchanged at a certain rate (exchange rate). Therefore, in some cases, if the cyber money of the member preferred by the customer is insufficient, there is a disadvantage that can not be used.

As another prior art cyber money exchange method, Korean Patent Publication No. 1999-0078768 describes a method of exchanging a bonus cyber money. According to this exchange method, cyber money exchange is performed by a trading system in which cyber money of each company is bought and sold like a stock. According to this method, the exchange of cyber money for each customer is carried out at the conversion rate made by the mediator using the intermediary. In the absence of an intermediary or the company's cyber money, the brokerage cannot be established. none.

In addition, Korean Patent Publication No. 2000-0006720 discloses a cyber money system of an internet site using stocks. The cyber money system frequently enters the brokerage firm's member brokerage companies, allowing members to purchase shares of the brokerage firm with the cyber money acquired from each site. It is a cyber money system with the drawback that it is not possible to expect the effect of purchasing a product according to cyber money to induce loyalty.

In addition, Korean Patent Publication No. 2000-0006956 discloses a cyber money transaction method through the Internet. This open patent integrates cyber money and allows each member's cyber money to be bought and sold like a stock buyer and seller, and the buyers can buy or exchange their own cyber money. It was difficult to expect effectiveness.

In addition, Korean Patent Publication No. 2000-0006708 describes a cyber money cash payment system on an Internet site. According to the system, members can earn cash based on advertisements or activities on Internet sites.

Most of the problems of the prior art are based on brokerage in the off-line (real world), or based on the third market or stock exchange of stock, so that it is possible to trade cyber money through the intermediary on the Internet.

Each individual or corporation uses a cyber auction site or a site designed for each individual or corporation to exchange with the cyber money of the desired company in order to use the accumulated cyber money for economic activities. Therefore, there may be a problem in exchanging cyber money between companies that pay a lot of cyber money, companies that pay less, and members whose members prefer to purchase goods, and companies that do not prefer members. In addition, if there is a small amount of cyber money that members and intermediaries do not possess, or if many members want to exchange when there is little cyber money, there may be a case where it cannot be exchanged.

The conventional cyber money trading method is arranging for exchange only within the cyber money of the member company which is earned by the members who subscribe to the company or the site which mainly makes cyber money brokerage. In other words, it is possible to trade or exchange only within the cyber money scope between members who have subscribed to the previously issued cyber money brokerage site. In addition, the use of exchanged cyber money is also limited.

In addition, according to the conventional method, the focus is on the intermediation and exchange of cyber money among members, and it is impossible for a member to use the cyber money as cash, and the available cyber money score is excessively high. It is difficult to use cyber money as cash, and there is a problem that it focuses only on cyber transactions.

In addition, in the case of Internet companies whose main business is to sell and sell cyber money, the brokerage agency only plays a role of assisting the cyber money exchange between members. This is possible, and this operation raises the question of revenue generation as a revenue model.

SUMMARY OF THE INVENTION An object of the present invention is to provide an internet business solution capable of integrating all transactions through the cyber money integration system according to the present invention for cyber money generated in off-line, off-line and on-line or on-line transactions. To provide.

It is another object of the present invention to provide a cyber money for all member companies that have subscribed to the integrated system according to the present invention by a consumer who has earned cyber money generated from off-line, off-line and on-line or on-line transactions. It is to provide an internet business solution that allows sharing.

Still another object of the present invention is to provide a virtual currency that enables the integrated use of cyber money of each member subscribed to the integrated system.

It is a further object of the present invention to make it possible to use it as a means of payment, i.e. as cash, in all transactions, both offline and online, via virtual currency issued by the Cybex Bank of the present invention.

Still another object of the present invention is to compensate for this by the integrated system of the present invention when a customer who shares the cyber money of each member subscribed to the integrated system according to the present invention exceeds the cyber money issued by one member company.

1 is a view for explaining a business model concept of the cyber money integration system according to the present invention.

2 is a block diagram of a cyber money integration system according to the present invention.

3 is a flowchart illustrating a process of acquiring an account by a customer in the cyber money integration system according to the present invention.

4 is a flowchart of a payment procedure of virtual currency (PM) in the cyber money integration system according to the present invention.

5A and 5B are flowcharts of a currency exchange procedure of virtual currency (PM) in the cyber money integration system according to the present invention.

※ Explanation of code for main part of drawing ※

10 virtual currency integration system

100 Cybex Bank (CEB)

101 Cybex Bank's Web Server

102 gateway

200 member companies

300 customers

The present invention is an integrated system that integrates cyber money derived to a purchaser through offline and online into the issuance of virtual money (potential money) of the present invention, and all transactions are made by the issued PM. Through the integrated system of the present invention, the customer converts and owns the cyber money granted through the economic activity so far to the virtual currency PM issued by the Cybex Bank CEB of the present invention, and then, for all economic activities occurring thereafter. It can be used as a payment and transaction method. Through the integrated system according to the present invention, each member company that grants a predetermined amount of cyber money to the customer is converted into a ratio corresponding to the actual cash value of the issued cyber money, and the member company converts the cyber money owned by the customer to the Cybex Bank. By exchanging money at, you deposit a certain amount of cash into CEB in the name of the reserve for payment of your cash. Customers who receive PMs through CEB can use PMs with cash in all online and offline purchase / transaction activities. The CEB according to the integrated system of the present invention is a virtual central bank that integrates all cyber money and issues it as a PM with real cash value.

The cyber money integrated processing system according to the present invention integrates cyber money derived through offline transactions and electronic commerce through offline and on-line into virtual currency of the present invention. The cyber money integrated processing system includes a Cybex bank CEB which integrates and processes virtual currency generated by a transaction through an account, and a Cybex bank, which is connected to the cybex bank CEB and grants a cyber money to the customer through a server. It consists of a plurality of member companies, the customer connected to the member company server through the user interface to purchase the product of the member company, the cyber money in accordance with the product purchase can be converted into virtual currency, Cybex Bank CEB,

The virtual currency master unit for offsetting the cyber money CM of the member company derived from the product purchase into the virtual currency PM, the virtual currency account master unit connected to the member company's server to calculate the virtual currency according to the purchase, It is composed of a virtual currency exchange master unit that is connected to the server to exchange the virtual currency according to the virtual currency.

1 is a view for explaining a business model concept of the virtual currency integration system according to the present invention, an example of using virtual currency.

The customer is given a customer ID by directly joining the Cybex Bank CEB of the present invention or through a member company of Cybex Bank, and an account is created accordingly and stored in the account master of the Cybex Bank CEB. Customers can be given virtual money PMs for cyber money derived from all transactions done offline or online. Accordingly, the virtual currency PM information according to the account is generated in the Cybex bank, and if the customer wants to exchange his or her own virtual currency on the integrated system of the present invention directly or through a member company, the virtual currency PM information is generated accordingly. It is stored in the exchange master of the Beck's bank, and virtual currency information is also stored in the virtual currency magnetter PM when the virtual currency is exchanged. As such, all economic activities of customers in the Cybex Bank result in the creation of virtual currency PM information. Therefore, the virtual currency information stored in the PM master makes it easy to determine whether or not the PM issuing and using the Cybex Bank. When a customer creates an account, exchanges virtual money PMs, and trades virtual money using the integrated system of the present invention, a process according to the change of PM information operates. If a customer uses PM at any point in time, the PM information used before that point is not affected. In other words, the anonymity of the CM is guaranteed (ie, the CM functions like cash).

In this way, customers can exchange their cyber money for not only their members but also all members of the Cybex Bank. Cybex Bank acts as a payment and settlement bank that pays on behalf of a member company to customers using virtual currency by means of payment reserve received from member companies in purchasing activities online and offline. The Cybex Bank according to the present invention serves as a currency issuing institution for issuing virtual currency, and cyber money derived from offline and online transactions by means of a currency having a fixed exchange rate concept called virtual currency through the Cybex Bank. Can be substituted for

2 is a block diagram showing the configuration of a cyber money integration system according to the present invention.

Cybex Bank, an integrated system (10) for integrating, managing, operating, and maintaining virtual money PMs that can convert cyber money generated by transactions made offline and online into virtual currency and be integrated by account. 100 and the member company 200 of the Cybex Bank CEB which is connected to the Cybex Bank CEB 100 through a gateway and grants the cyber money CM according to the transaction to the customer 300, and the member company ( 200 is connected to the customer consists of a customer 300 to purchase the product of the member company through a plurality of member companies. The customer 300 can also connect directly to the Cybex bank 100 via their personal computer (not shown).

As an online member, companies that conduct all economic activities in cyberspace, such as online game operators, cyber shopping malls, cyber portal sites, CPs, etc., and as offline members, companies that have realistic economic activities such as general convenience stores, department stores, gas stations, etc. admit.

When the customer purchases the member company's product through the server of the member company 200 of the Cybex bank, the cyber money derived by the purchase is transferred to the server of the member company 200 and the cybex bank 100 through the gateway 102. The PM master unit 100-1 for managing the virtual money PM of the present invention by connecting the servers 101 and the plurality of member companies 200 to calculate the virtual money according to the purchase of the customer 100. It is composed of an account master unit (100-2) and a PM exchange master unit (100-3) connected to each of a plurality of member companies 200 to exchange virtual money according to the cyber money of each member company between each member company. .

3 is a flowchart illustrating a process of acquiring an account by a customer in the virtual currency integration system according to the present invention.

In order to obtain a Cybex Bank account, a customer who wishes to join Cybex Bank CEB must access Cybex Bank's website via his personal computer, read Cybex's Terms of Use and fill in the prescribed registration form. Then, the Cybex bank CEB confirms the customer information (step S100). After confirming that the customer has correctly written the prescribed contents in the predetermined subscription form (step S101), the account ID is given to the customer (step S102). Next, a procedure for confirming the information of the customer member company according to the account ID is performed (steps S103 and S104). If the customer is a member of a Cybex bank member company, the process proceeds to step S105. If the customer is not a member of a Cybex bank member company, the process proceeds to step S107. Cybex Bank CEB does not perform procedures to verify whether a customer is a member of a Cybex Bank member company. No customer authentication is done at Cybex Bank. Authentication is performed on the member company ID in a server-to-server manner by means of a socket program in the TCP / IP layer between the Cybex bank and the member company. Certification is usually done by a security program of the member company or by a separate certification body contracting with the member company.

If a customer wants to join a new member of Cybex Bank as a new member through Cybex Bank, the customer selects the member company to join through a personal computer and performs the membership process of each member. When a customer joins as a member company, the member ID is in accordance with each member's ID issuance rules.The basic information of the customer is sent from the Cybex Bank. By using the socket program of the TCP / IP layer between the bank and the member company, the account master table for the member ID of each member company of the Cybex bank is updated using the server-to-server method. Returning to step S104 to perform such a procedure, if it is determined in step S104 that the customer is not a member of the member company, the member company's joining procedure proceeds through steps S107 to S115. Through the above procedure, an account is created for the customer and the account is registered in the Cybex bank (step S116).

Here, the relationship between the member company and Cybex Bank for the member is not a shared relationship for the member information, but a mutual authentication relationship for the member through ID and identifier (name, social security number) for each member company.

Returning to step S104, if the customer is a member company customer of the Cybex bank CEB in step S104, an authentication procedure is performed through the server of the member company of the cybex bank through steps S105 to S109. The member company confirms the authentication code for the customer (step S108), grants the authentication (S109) and accordingly stores the customer information in the member company's ID buffer (step S110).

Customers can also join Cybex Bank as a member of their site.

When the member's membership processing routine is presented to the member terminal through the member's server in the server of the Cybex Bank, the customer may be given an account by recording in the member's terms and conditions and subscription application displayed on the screen of the terminal. Basic member information and member company codes are transmitted to the server of Cybex Bank using socket program of TCP / IP layer.

4 is a flowchart of a payment procedure of virtual currency (PM) in the virtual currency integration system according to the present invention.

The flow of the payment procedure of the virtual currency PM when a customer purchases a product through a member company of another integrated system according to the present invention will be described.

When the customer 300 purchases the product through the member company's affiliate offline, the customer is granted the member's cyber money CM according to the product purchase amount through the merchant, and then the Cybex Bank CEB corresponding to the granted cyber money CM is The merchant enters customer information (purchasing products, cash money according to the purchased product, customer identity, etc.) through the terminal in order to receive and replace the virtual currency PM issued.

Member's server sends the member's customer's order information payment details and customer's member company code, etc., entered from the merchant to the server 101 of the Cybex Bank CEB, in a server-to-server manner. (Step S200), the user interface is redirected to the server 101 of the Cybex bank CEB. The Cybex bank checks the authentication code sent from the member company 200 in step S202. Next, a payment procedure for the customer who is certified in this authentication step (S202) is made (steps S203 to S205). In step S203, payment information (payment amount, virtual currency according to the payment amount, etc.) for the customer is confirmed. In step S204, after receiving an account ID from a member company and confirming the customer's account, a determination is made on the customer's account information (step S205). If it is determined that there is no abnormality in the account information of the customer (S205), after checking the balance of the available virtual currency PM of the customer through the account information of the customer in step S206, a determination is made as to whether payment is possible (step S207). ). Next, a series of payment processing is performed through steps S208 to S209. At the same time, the Cybex Bank CEB performs transaction processing on the tables of the customer's account master and currency exchange master according to a series of settlement processes to process the settlement and transmits the approval information to the TCP / IP layer between the Cybex Bank CEB and the member companies. It is sent server-to-server by socket program.

5A and 5B are flowcharts of a currency exchange procedure of the virtual money PM in the cyber money integration system according to the present invention.

The explanation will be divided into a case where a customer requests a currency exchange for a Cybex Bank CEB through a member company's server and a case where the customer requests a currency exchange by directly accessing a website of the Cybex Bank CEB through a personal computer.

First, a case in which a customer requests PM exchange through a member company server will be described.

When the customer requests a currency exchange through the member company server of the Cybex Bank CEB, the Cybex bank checks the member company information of the customer (S300) and then checks the member company's authentication code (step S301). Next, an authentication procedure for the member company authentication code is performed (step S302). Here, the authentication of the customer is not performed in the Cybex Bank CEB, as previously described with respect to the account creation of the customer. Authentication is performed on the member company ID in a server-to-server manner by means of a socket program in the TCP / IP layer between the Cybex bank and the member company. Certification is usually done by the security company's own security program or by a separate certification body that has a contract with the member company.

Next, the verification process of the account for the authenticated customer is performed (S303 and S304). After confirming the available amount of cyber money for the customer of the confirmed member account of the account (step S308), the exchange processing for the exchange amount requested by the customer is performed (step S309), and the result of the customer authentication information and exchange of money to the member company server. Information of the virtual currency that is possible is encrypted and transmitted to the server of the Cybex bank by using a socket program of the TCP / IP layer to the server of the Cybex bank together with the encryption key of the Cybex bank presented at the exchange request (step S310). The BEX Bank terminates the exchange process by performing transaction processing on tables such as the account master and the exchange master to change the information according to the exchange.

Next, a case where a customer has requested currency exchange through the web server of the Cybex bank of the present invention will be described.

When the customer directly accesses the web server of Cybex Bank, the same process as described above is performed except that the customer's exchange is performed by the web server of the present invention as in the case where the customer requests a currency exchange through the member company server. Exchange is handled by the exchange procedure.

When the customer directly requests a currency exchange through the web server of the Cybex bank CEB, the Cybex bank checks the account of the customer (step S400) and checks the account (step S401). After confirming the member company information according to the confirmed account (step S402), examine the registration ID of the customer (step S403), and if the registered ID request information about the customer to the member company (step S405), the authentication code for the member company (Step S406), if determined to be an authenticated member company, the customer checks the exchangeable virtual money PM amount for the cyber money CM acquired from the member company (step S407), and performs currency exchange processing as much as the desired virtual money amount (step S407). S408), the result of encrypting the customer's authentication information and exchangeable virtual currency information to the member company server and the server using the socket program of the TCP / IP layer to the member company's server together with the encryption key of the Cybex Bank presented at the exchange request Transmit in a two-server manner (step S409), the Cybex bank performs a transaction on a table such as an account master and a currency exchange master to change information according to currency exchange. The exchange procedure is terminated by performing the processing.

The Cybex Bank of the present invention can be directly registered as a member of the customer, the providers that provide cyber money can also be registered as a member of the Cybex Bank, the customer is a member of the member company of the cyber money It can be used as a means of settlement, that is, like real cash, through virtual currency issued by Cybex Bank to all members of Cybex Bank. In addition, customers can use virtual currency to help their economic activities by using the money exchanged cyber money not only for their members but also for all members of Cybex Bank. In addition, small and medium-sized companies with low credit ratings can issue cyber money, which can be converted into PMs certified by the Cybex Bank CEB of the present invention. Authentication is also possible, which increases the credibility of the e-commerce and promotes the activation of the e-commerce.

Claims (8)

It is a cyber money integration system that integrates cyber money derived from offline transactions and e-commerce through offline and online into virtual currency. Cybex bank which converts the cyber money generated by the offline transaction and the e-commerce into virtual currency to enable the transaction and exchange of virtual currency according to the customer's account; A plurality of member companies of the Cybex Bank, which are connected to the Cybex Bank and convert the cyber money according to the transaction into virtual currency and give the customer through a server; Connected to the server of the member company to purchase the product of the member company, the cyber money according to the product purchase is converted into virtual currency, through the member company connected to the Cybex Bank or directly to the Cybex Bank to the Cybex Bank Consists of a customer (300) for making virtual currency transactions and exchange requests, The cybex bank, The virtual currency master unit for offsetting the cyber money of the member derived from the purchase of the product through the member company with virtual currency, and the virtual currency account master for calculating virtual currency in connection with the server or customer of the member company. And a virtual money exchange master unit connected to the server of the member company to exchange virtual money according to virtual money. The cyber money integration system of claim 1, wherein the customer can directly access the Cybex bank through his personal computer. The cyber money integration system of claim 1, wherein the cybex bank performs payment, exchange, and exchange according to virtual currency to a customer. The cyber money integration system according to claim 3, wherein the virtual currency is exchanged and exchanged by being used among the plurality of member companies. The cyber money integration system according to claim 1, wherein the cybex bank has a reserve for payment according to cyber money issued by the plurality of member companies. The cyber money integration system according to claim 1, wherein the member company is a subject that performs economic activities offline and online. 4. The cyber money integration system of claim 3, wherein the virtual currency is combinable with a credit card. The cyber money integration system according to claim 1, wherein the cybex bank is a central bank for issuing the virtual currency and receives a predetermined payment reserve for cyber money issued by a member to the member company.