KR100856822B1 - System and Method for Connecting Electronic Money and Points and Program Recording Medium - Google Patents

Abstract

The present invention relates to an electronic money and point association system and method and a recording medium therefor, wherein two or more kinds of cyber money (eg, fans and points) are issued at a single site, and usage restrictions and By applying the benefits separately, it provides differentiated exchange processing between cyber money, and the electronic money and point linking method according to this, the predetermined electronic money and two or more kinds of points used in a specific website in a predetermined information storage means Storing the exchange weight information between the clients in a predetermined storage medium, receiving point selection information to be exchanged from the customer into electronic money owned by the customer in a predetermined information receiving means, and storing the information in the predetermined information checking means. Check the type of the exchange request point selected in connection with a medium (or a storage medium operating means). And checking the exchange weight information between the identified point type and the electronic money, and converting the electronic money value into the selected point value by applying the identified exchange weight in a predetermined currency exchange means.

Electronic money, points, cyber money

Description

System and Method for Connecting Electronic Money and Points and Program Recording Medium}

1 is a diagram illustrating a web server system configuration for electronic money and point connection operation according to an embodiment of the present invention.

2 is a diagram illustrating a payment-based electronic money charging process according to an embodiment of the present invention.

3 is a diagram illustrating an action point earning process according to an embodiment of the present invention.

4 is a diagram illustrating a reward point earning process according to an embodiment of the present invention.

5 is a diagram illustrating an alliance point earning process according to an embodiment of the present invention.

6 is a diagram illustrating an advertisement point earning process according to an embodiment of the present invention.

7 is a diagram illustrating a marketing point earning process according to an embodiment of the present invention.

8 is a diagram illustrating a configuration of an exchange system between an electronic money and at least one or more points according to an embodiment of the present invention.

9 is a diagram illustrating an exchange process between electronic money and at least one or more points according to an embodiment of the present invention.

10 is a diagram illustrating a currency exchange process between an electronic money and an action point according to an embodiment of the present invention.

11 is a diagram illustrating a currency exchange process between an electronic money and a reward point according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a currency exchange process between an electronic money and an affiliate point according to an embodiment of the present invention.

13 is a diagram illustrating a currency exchange process between electronic money and advertisement point according to an embodiment of the present invention.

14 is a diagram illustrating a currency exchange process between electronic money and marketing point according to an embodiment of the present invention.

15 is a diagram illustrating a point operation system configuration according to an embodiment of the present invention.

16 is a diagram illustrating a point operation process according to an embodiment of the present invention.

17 is a diagram showing the configuration of the point operation system according to another embodiment of the present invention.

18 is a diagram illustrating a point operation process according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: client terminal 105: web server

110: web interface unit 115: electronic money charging unit

120: Web service unit 125: action point earning unit

130: Earn Rewards Point 135: Earn Partner Points

140: advertising point earning unit 145: marketing point earning unit

150: payment system 155: member information D / B

160: electronic money D / B 165: point D / B

The present invention is to issue two or more kinds of cyber money (for example, fans and points) in a single site, and to separately apply the use restrictions and benefits according to the characteristics of each cyber money, so as to provide a differentiated currency processing between cyber money It relates to an electronic money and point connection system and method.

Due to the rapid development of information and communication technology, various forms of electronic money have been introduced to simplify the processing of small payments on the wired and wireless Internet.

In addition, various types of point services are provided for improving the royalty of the client according to the client's actions occurring on the wired and wireless Internet.

However, most point services provided in the related art are a kind of integrated points, and since most points are accumulated and used, most clients do not pay much attention to earning points and are also passive in using the accumulated points.

In particular, given that the points earned to the client is a debt for the point provider, the points provided for the client's loyalty increase are preferably exhausted as soon as possible. It contains a difficult problem.

An object of the present invention for solving the above problems is to store a predetermined amount of electronic money used in a specific website and exchange weight information between two or more points on a predetermined storage medium, and the customer stores the electronic money owned by the customer at a specific point. When the exchange request is made, the exchange weight information between the specific point of exchange request and the electronic money is checked in association with the storage medium (or storage medium operating means), and then the exchange value is applied to the electronic money value. The present invention provides a method and system for linking electronic money and points to exchange a specific point value.

The electronic money and point association method according to the present invention comprises the steps of: storing, in a predetermined storage medium, predetermined electronic money used for a specific website and exchange weight information between two or more points in a predetermined information storage means; Receiving point selection information to be exchanged by the customer in the electronic money owned by the customer in the information receiving means, and the predetermined exchange request target point in connection with the storage medium (or storage medium operating means) in a predetermined information checking means Confirming the type of the data, confirming the exchange point weight information between the identified point type and the electronic money, and converting the electronic money value to the selected point value by applying the identified exchange weight in a predetermined currency exchange means; It is characterized by comprising.

On the other hand, the electronic money and point linkage system according to the present invention, the information storage means for storing the predetermined electronic money used in a specific website and the exchange weight information between two or more points on a predetermined storage medium, the customer owns the customer When the exchange of electronic money to a specific point is requested, after confirming the exchange weight information between the specific point of the exchange request target point and the electronic money in association with the storage medium (or storage medium operating means), by applying the confirmed exchange weight And exchange means for exchanging the electronic money value to the specific point value.

According to the present invention, the two or more types of points, points earned in response to the customer's participation in the specific website, points earned in response to the customer's purchase activity on the specific website, Points earned by providing to the customer at an affiliate affiliated with the specific website, Points earned in response to ad exposure on the specific website for the customer, and at the specific website of the customer Characterized in that it comprises at least one or more points earned in response to marketing activities.

According to the present invention, the electronic money and point linkage system further comprises a point operating means for processing a point use request by applying a different point request value for each point type when the customer uses the point on the specific website. It is characterized by.

According to the present invention, the electronic money and point linkage system further includes a point processing means for processing a point use request through a combination of two or more points instead of a single point when the customer uses the point on the specific website. Characterized in that made.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the functions of the electronic money and point association system configuration means described above.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a system configuration of a web server 105 for an electronic money and point connection operation according to an embodiment of the present invention.

In more detail, Figure 1 is a web server 105 that provides at least one or more web services, a web server that charges at least one or more electronic money required to operate the web service, and / or accumulate at least one or more points. (105) As for the system configuration, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 1 to the web server 105 system for point-and-point operation of the electronic money Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 1, the web server 105 system for linking and operating electronic money includes a client terminal having a browser program for receiving at least one web service provided by at least one web server 105. And a web server 105 that provides at least one web service to the client terminal 100 through the browser program.

According to an embodiment of the present invention, the web service provided by the web server 105 may include an information providing service, a search service, a personalization service such as a mini homepage / blog, a messenger service, a mail service, a cafe / community service, and a content providing service. It is preferable to include all kinds of Internet services that can be provided through the browser program, such as an Internet shopping service, and a person having ordinary knowledge in the technical field to which the present invention belongs, in addition to the above-described web services, various kinds of web services Will be inferred, the present invention is characterized in that it comprises all kinds of inferred web services.

The client terminal 100 includes at least one web browser for accessing the web server 105 and receiving a browsing-based wired web service based on the wired communication function based on TCP / IP and the wired communication function. And a wired terminal including at least one of a desktop computer and / or a notebook, and / or a code division multiple access (CDMA) based wireless communication function and the wireless communication function. A mobile communication terminal (eg, a personal communication system having a CDMA-based wireless modem needle) having at least one browser for accessing the web server 105 and receiving a browsing-based wireless web service based thereon; PCS and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular Terminals (Personal Digital) Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics, etc.), and / or IEEE A portable Internet terminal (eg, IEEE 802.16x) having an 802.16x based wireless communication function and at least one browser for accessing the web server 105 and receiving a browsing based wireless web service based on the wireless communication function. Personal communication terminals (PCS) and / or personal digital assistants (PDAs) and / or smart phones and / or telematics and / or portable Internet terminals equipped with a wireless modem chip; and And / or the like), and / or provide a browsing-based wireless web service by accessing the web server 105 based on the IEEE 802.11x-based wireless communication function and the wireless communication function. Wireless terminal including at least one or more browsers (e.g., a desktop computer and / or notebook with IEEE 802.11x based wireless modem chip) It is characterized by.

According to an embodiment of the present invention, the client terminal 100 including the desktop computer and / or the notebook connects to the web server 105 via a predetermined network means including the TCP / IP based wired communication network. Preferably, and / or the client terminal 100 comprising the mobile communication terminal is connected to the web server 105 via a predetermined network means including a CDMA based wireless communication network, and / or The client terminal 100 including the portable Internet terminal is preferably connected to the web server 105 via a predetermined network means including an IEEE 802.16x based wireless communication network, and / or the wireless LAN terminal The client terminal 100 includes the web server 105 via a predetermined network means including an IEEE 802.11x based wireless communication network. It belongs is preferred.

Referring to FIG. 1, a web server 105 providing at least one web service may include a web interface 110 providing a communication interface for providing a predetermined web service to at least one or more client terminals 100. And a web service unit 120 that provides at least one web service to the client terminal 100.

The web interface 110 includes a communication interface for accessing the web server 105 through a predetermined network means using a browser provided in at least one client terminal 100, and the web service unit 120. All web services (eg, information service, search service, personalization service such as mini homepage / blog), messenger service, mail service, cafe / community service, content providing service, internet shopping service, etc. A predetermined interface from the client terminal 100 through a communication interface for providing the client terminal 100 with at least one web page corresponding to a type of Internet service) and at least one form form included in the web page. At least one communication interface for receiving information (or data) It characterized in that it provides a Web service interface that includes.

Those skilled in the art to which the present invention pertains, the web interface unit 110 according to the application field of the web server 105 and / or the type of web service provided through the web service unit 120 It will be easy to infer the detailed functions and roles of.

The web service unit 120 may include at least one web page source (for example, a web page source based on Hyper-Text Markup Language (HTML)) and digital content (for example, text content, image content, etc.) included in a predetermined database. Types of web services provided by the web server 105 to at least one or more client terminals 100 using sound contents, multimedia contents, etc. At least one webpage (e.g., HTM / HTML / ASP / XML, etc.) corresponding to all kinds of Internet services that can be provided through the browser program, such as services, mail services, cafe / community services, content providing services, and Internet shopping services And a web document including at least one), and the web interface unit 110 and System will be the generated webpage characterized in that provided in at least one client terminal (100).

For example, if the web service provided by the web server 105 to the at least one client terminal 100 is an information providing service, the web service unit 120 may include at least one information content (eg, text content or image content). At least one of generating (or extracting) a predetermined web page for outputting sound content or multimedia content) and accessing the web page generated in connection with the web interface unit 110 to the web server 105. It will be able to provide a function for transmitting to the client terminal 100 or more.

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is a search service, the web service unit 120 may input at least one information providing link and a predetermined search keyword. A web page including a form form is generated (or extracted), and the web page generated in connection with the web interface unit 110 is transmitted to at least one or more client terminals 100 connected to the web server 105. It will be able to provide functionality.

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is a personalization service such as a mini homepage / blog, the web service unit 120 may include at least one information link and a predetermined link. Create (or extract) a web page including a form form for inputting bulletin board information (eg, bulletin board title, bulletin board registration contents, etc.), and outputs the web page generated in association with the web interface unit 110 to the web server. It may provide a function for transmitting to at least one or more client terminals 100 connected to the 105.

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is a messenger service, the web service unit 120 may include at least one information link and at least one messenger information (eg, Generating (or extracting) a web page including a form form for inputting chat information, etc., and accessing the web page generated in connection with the web interface unit 110 to the web server 105. It may provide a function for transmitting to one or more client terminals (100).

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is a mail service, the web service unit 120 may include at least one information link and at least one mail information (eg, Generating (or extracting) a web page including a form form for inputting a sender address, a recipient address, a subject, mail content information, and the like, and converting the web page generated in association with the web interface unit 110 to the web server. It may provide a function for transmitting to at least one or more client terminals 100 connected to the 105.

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is a cafe / community service, the web service unit 120 may include at least one information link and at least one cafe / community. Generate (or extract) a web page including a form form for inputting bulletin board information (eg, a cafe / community bulletin board title, a cafe / community bulletin board registration content, etc.), and is generated in association with the web interface unit 110. It may provide a function for transmitting a web page to at least one or more client terminals 100 connected to the web server 105.

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is a content providing service, the web service unit 120 may include at least one digital content (eg, text content or image). Generating (or extracting) a predetermined web page for outputting content, sound content, or multimedia content), and connecting the web page generated in connection with the web interface unit 110 to the web server 105 at least. It may provide a function for transmitting to one or more client terminals (100).

Alternatively, if the web service provided by the web server 105 to the at least one client terminal 100 is an internet shopping service, the web service unit 120 may include at least one or more target product contents (eg, text content, or Outputting image content, sound content, or multimedia content), generating (or extracting) a web page including a form form for selecting at least one or more product information of the product to be sold; 110 may provide a function of transmitting a web page generated in association with the at least one client terminal 100 connected to the web server 105.

If one of ordinary skill in the art to which the present invention pertains, the web service unit 120 generates (or extracts) at least one web page corresponding to a web service type to at least one client terminal 100. Since it will be familiar with the technical features provided, a detailed description thereof will be omitted for convenience.

In addition, the web service unit 120 receives at least one or more information (or data) input through a form form included in a web page provided to the at least one client terminal 100 in association with the web interface unit 110. And a web service (eg, an information service, a search service, a mini homepage / blog, etc.) provided from the web server 105 to at least one client terminal 100 based on the received information (or data). , A messenger service, a mail service, a cafe / community service, a content providing service, an internet shopping service, and the like, and an information processing function corresponding to all kinds of internet services that can be provided through the browser program.

For example, a web service provided by the web server 105 to at least one client terminal 100 is a search service, and a web page including a form form for inputting a predetermined search keyword to the client terminal 100 is provided. After providing, when the client terminal 100 inputs and transmits a predetermined search keyword through the form form, the web service unit 120 receives the search keyword in association with the web interface unit 110, An information search function may be performed based on the received search keyword.

Alternatively, the web service provided by the web server 105 to at least one client terminal 100 is a personalization service such as a mini homepage / blog or the like, and predetermined bulletin board information (eg, a bulletin board title) is provided to the client terminal 100. , A web form including a form form for inputting bulletin board registration contents, etc.) is provided, and when the client terminal 100 inputs and transmits predetermined bulletin board information through the form form, the web service unit 120 Receives the bulletin board information in association with the web interface unit 110, and may perform a personalization service function such as a mini homepage / blog based on the received search keyword.

Alternatively, a web service provided by the web server 105 to at least one client terminal 100 is a messenger service, and a form for inputting predetermined messenger information (eg, chat information) into the client terminal 100. After the web page including the form is provided, when the client terminal 100 inputs and transmits predetermined messenger information through the form form, the web service unit 120 is connected with the web interface unit 110. The messenger information may be received and a messenger service function may be performed based on the received search keyword.

Alternatively, the web service provided by the web server 105 to at least one client terminal 100 is a mail service, and predetermined mail information (for example, a sender address, a recipient address, a subject, and a mail) is provided to the client terminal 100. After a web page including a form form for inputting content information, etc. is provided, when the client terminal 100 inputs and transmits predetermined mail information through the form form, the web service unit 120 provides the The mail information may be received in connection with the web interface 110 and perform a mail service function based on the received search keyword.

Alternatively, the web service provided by the web server 105 to at least one client terminal 100 is a cafe / community service, and predetermined cafe / community bulletin board information (eg, a cafe / community bulletin board) is provided to the client terminal 100. After a web page including a form form for inputting a title, cafe / community bulletin board registration contents, etc.) is provided, the client terminal 100 inputs and transmits predetermined cafe / community bulletin board information through the form form. The web service unit 120 may receive the cafe / community bulletin board information in connection with the web interface unit 110 and perform a cafe / community service function based on the received search keyword.

Alternatively, the web service provided by the web server 105 to at least one client terminal 100 is an internet shopping service, and includes a form form for inputting predetermined purchase target product information to the client terminal 100. After the web page is provided, when the client terminal 100 inputs and transmits predetermined purchase target product information through the form form, the web service unit 120 is connected to the web interface unit 110 to make the purchase. The target product information may be received and an internet shopping service function may be performed based on the received search keyword.

Those skilled in the art to which the present invention pertains, the web service unit 120 receives at least one or more information (or data) input through a form form included in the web page provided to the client terminal 100 Technical characteristics of receiving and performing an information processing function corresponding to at least one or more web services provided from the web server 105 to at least one or more client terminals 100 based on the received information (or data). Since it will be understood, detailed description thereof will be omitted for convenience.

According to the present invention, the web server 105 has a member information D / B 155 for storing at least one or more client member information (or associated with the member information D / B 155), Here, the client member information stored in the member information D / B 155 may include predetermined member information including predetermined member ID information and password registered by a predetermined client in the member registration process, name and resident registration number of the client member. It includes a predetermined personal information including, address, mobile phone number, telephone number, mail address and the like.

Referring to FIG. 1, the web server 105 is configured to receive at least one paid service provided by the web service unit 120 by at least one client for the electronic money and the point-associated operation according to the present invention. And an electronic money charging unit 115 for charging at least one electronic money charging amount required.

According to the embodiment of the present invention, the telephone currency that can be charged through the electronic money charging unit 115, the payment-based electronic money that the client is charged by processing through at least one or more client payment means, and the client Rewards electronic money, etc. paid by the operating institution of the web server 105 by the action, such as purchase and / or subscription through the web server 105 is characterized in that it comprises.

The electronic money charging unit 115 periodically checks (or responds to the web service event) at least one or more web services provided by the client terminal 100 through the web service unit 120, and executes the web service unit ( In step 120, the web service provided to the client terminal 100 is included in the reward electronic money charging target, and as a result of the check, the web service provided to the client terminal 100 from the web service unit 120 is When the reward electronic money is included in the object of charging, the web server 105 generates predetermined electronic money information including a reward electronic money recharge amount paid to the client in response to the web service, and the client information. (E.g., member ID information, etc.) and the electronic money information by linking and storing in a predetermined electronic money D / B (160), And charging the reward electronic money to the client.

In addition, the electronic money charging unit 115 provides a predetermined payment means selection interface to the client terminal 100 through the web interface 110 in connection with the web service unit 120 for payment-based electronic money charging. If a predetermined payment method selection information and electronic money amount is selected (or input) and received through the payment method selection interface at the client terminal 100, the predetermined payment system corresponding to the payment method selection information ( Through 150), the payment procedure for the electronic money recharge amount is performed.

When the credit card payment means selection information and the electronic money charging amount are received from the client terminal 100 according to the exemplary embodiment of the present invention, the electronic money charging unit 115 transmits to the credit card payment means through a predetermined communication means. Link the electronic money amount through the customer credit card in conjunction with a corresponding credit card payment system 150 (e.g., secure payment based credit card payment system 150, or assured click based credit card payment system 150). It is desirable to perform a credit card based non-face-to-face payment process for payment processing.

According to another exemplary embodiment of the present invention, when the check card payment means selection information and the electronic money charging amount are received from the client terminal 100, the electronic money charging unit 115 pays the check card through a predetermined communication means. Charge the electronic money through the customer check card in conjunction with a check card payment system 150 (eg, secure payment based check card payment system 150, or assured click based check card payment system 150) corresponding to the means. It is preferable to perform a check card-based non-face-to-face payment procedure that pays the amount.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information and the electronic money charging amount are received from the client terminal 100, the electronic money charging unit 115 pays the debit card through a predetermined communication means. A debit card-based non-face-to-face payment procedure for processing the electronic money replenishment amount through the customer debit card in conjunction with a debit card payment system 150 (eg, a financial system provided in a debit card issuing bank) corresponding to the means. It is preferable to carry out.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information and the electronic money charging amount are received from the client terminal 100, the electronic money charging unit 115 pays the prepaid card through a predetermined communication means. Perform a prepaid card-based non-face-to-face payment procedure for payment processing of the electronic money recharge amount through the customer prepaid card in conjunction with a prepaid card payment system 150 (eg, a token management system charged to a prepaid card) corresponding to the means. It is desirable to.

According to another exemplary embodiment of the present invention, when the electronic wallet payment means selection information and the electronic money payment amount are received from the client terminal 100, the electronic money charging unit 115 performs the electronic wallet payment through a predetermined communication means. An electronic wallet-based non-face-to-face payment procedure for processing the electronic money payment amount through the customer electronic wallet in conjunction with the electronic wallet payment system 150 (for example, a token operation system charged in the electronic wallet) corresponding to the means. It is preferable to carry out.

According to another embodiment of the present invention, when the electronic bank payment means selection information and the electronic money payment amount are received from the client terminal 100, the electronic money charging unit 115 through the predetermined communication means the electronic bill payment Electronic bankbook-based non-face-to-face payment processing of the electronic money payment amount through the customer electronic bankbook in conjunction with the electronic bankbook payment system 150 corresponding to the means (for example, a financial system in which a financial account corresponding to the electronic bankbook is opened). It is desirable to carry out the payment procedure.

According to another exemplary embodiment of the present invention, when the bank transfer (or virtual account) payment means selection information and the electronic money recharge amount are received from the client terminal 100, the electronic money recharging unit 115 provides a predetermined communication means. Through the account transfer (or virtual account) payment system 150 (eg, at least one financial account (or virtual account) corresponding to the account transfer (or virtual account) corresponding to the account transfer (or virtual account) payment means) It is preferable to perform a non-face-to-face payment procedure based on an account transfer (or virtual account) that processes payment of the electronic money amount through the customer account transfer (or virtual account) in conjunction with an established financial system).

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid At least one of payment method selection information of a Prepaid Card payment method, electronic wallet payment method selection information, electronic bankbook payment method selection information, and bank transfer (or virtual account) payment method selection information. Since the technical features of the corresponding payment system 150 and the technical features of the non-face-to-face payment process using the illustrated payment system 150 will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, if one of ordinary skill in the art to which the present invention pertains, other payment system 150 (for example, mobile phone payment, etc.) that have been commercialized or are expected to be commercialized in addition to the payment system 150 illustrated above. Technical features for, and technical features for the non-face-to-face payment process using the payment system 150 will be inferred, the present invention comprises all the inferred implementation method.

When the payment procedure for the electronic money payment amount is completed, the electronic money charging unit 115 generates predetermined electronic money information including the electronic money payment amount, and the client information (eg, member ID information, etc.) By linking the generated electronic money information stored in a predetermined electronic money D / B (160), characterized in that to charge the payment-based electronic money to the client.

Referring to FIG. 1, the web server 105 is configured to operate the web server 105 in response to the actions of at least one client for the electronic money and the point-associated operation according to the present invention. Affiliation agency) is characterized in that it comprises a point earning unit for earning at least one or more points to the client, wherein the point earning unit corresponds to the posting behavior such as bulletin board, video, image registration of the client and the posting behavior Action point earning unit 125 for earning a predetermined action point to the client in accordance with the viewing and evaluation of the other client, and a predetermined reward point to the client in accordance with the purchase behavior of the client Earn reward points earning unit 130, and the web server 105 operating agency and Affiliated points earned by the third party to the client, or exchange the third party points to earn a certain affiliate point (Affiliate Point) to the client 135 and a predetermined post, images, videos, etc. posted by the client If the company of the advertisement, the advertisement point earning unit 140 for earning a predetermined advertising point (Advertising Point) to the client corresponding to the client's membership recommendation and / or other clients associated with the client Corresponding to the purchase behavior of the client characterized in that it comprises at least one or more marketing point earning unit 145 for earning a predetermined marketing point (Marketing Point).

The action point earning unit 125 requests the client terminal 100 to the web service unit 120 or at least one web service provided by the web service unit 120 to the client terminal 100. Checking periodically (or in response to the web service event) to check whether the client meets the condition for earning action points, and if the client meets a predetermined condition for earning action points, the client's action By generating action point information including the point value according to, and the client information (eg, member ID information, etc.) and the generated action point information in association with the predetermined point D / B (170), It is characterized by earning the action point to the client.

According to an embodiment of the present invention, the action point earning unit 125 may generate a posting activity such as a bulletin board, a video, or an image registration through the client terminal 100, and / or another client corresponding to the posting activity. Check whether the viewing and evaluation of the occurrence occurs, and if it is confirmed that the action point earning act as described above occurs, generating action point information including a predetermined action point value corresponding thereto, and generating the client information (for example, , Member ID information, etc.) and the generated action point information are preferably stored in a predetermined point D / B 170.

The reward point earning unit 130 requests at least one web service from the client terminal 100 to the web service unit 120 or from the web service unit 120 to the client terminal 100. Check periodically (or in response to the web service event) to check whether the client meets the conditions for earning reward points, and if the client meets a predetermined reward point earning condition, the client's action Generating reward point information including a point value according to the above, and linking the client information (eg, member ID information, etc.) and the generated reward point information, and storing the reward point information in a predetermined point D / B 170. It is characterized by earning the reward points to the client.

According to the method of the present invention, the reward point earning unit 130 checks whether at least one or more purchases are generated through the client terminal 100, and as a result of the checking, the reward point earning activity is generated. When it is confirmed, reward point information including a corresponding reward point value is generated, and the client information (eg, member ID information, etc.) and the generated reward point information are linked to a predetermined point D / B ( Preferably at 170).

The affiliate point accumulator 135 requests at least one web service from the client terminal 100 to the web service unit 120 or from the web service unit 120 to the client terminal 100. Checking periodically (or in response to the web service event) to check whether the client meets the condition for earning an affiliate point, and if the client meets a predetermined partner point earning condition, the client's action By generating affiliate point information including the point value according to the above, the client information (for example, member ID information, etc.) and the generated affiliate point information associated with the predetermined point D / B (170), It is characterized by earning the affiliate point to the client.

According to an embodiment of the present invention, the affiliate point accumulating unit 135 accumulates a predetermined point to the client in a third party affiliated with the web server 105 operating institution, and / or the client in the affiliated third party. Check whether the accumulated points are exchanged to be credited to the client, and if it is confirmed that the above-mentioned affiliate point earning activity occurs, generating affiliate point information including a predetermined affiliate point value corresponding thereto; In addition, the client information (eg, member ID information, etc.) and the generated cooperation point information may be stored in a predetermined point D / B 170.

The advertisement point earning unit 140 requests the client terminal 100 to the web service unit 120 or at least one web service provided by the web service unit 120 to the client terminal 100. Checking periodically (or responding to the web service event) to check whether the client satisfies the condition for earning the advertisement point, and if the client satisfies the predetermined condition for acquiring the advertisement point, the client's action. By generating the advertisement point information including the point value according to, the client information (for example, member ID information, etc.) and the generated advertising point information is stored in a predetermined point D / B (170), It is characterized by earning the advertisement point to the client.

According to the method of the present invention, the advertisement point earning unit 140 checks whether a predetermined company performs an advertisement on a post, an image, a video, etc. posted by the client, and the result confirms the act of accumulating the advertisement point as described above. Is generated, the advertisement point information including the corresponding advertisement point value is generated, and the client information (eg, the member ID information, etc.) is linked to the generated advertisement point information to process the predetermined point D. It is desirable to store in / B (170).

The marketing point earning unit 145 may request the client terminal 100 to the web service unit 120 or at least one web service provided by the web service unit 120 to the client terminal 100. Checking periodically (or in response to the web service event) to check whether the client meets the conditions for earning marketing points, and if the client meets a predetermined marketing point earning condition, the client's action By generating the marketing point information including the point value according to, by linking the client information (eg, member ID information, etc.) and the generated marketing point information and stored in a predetermined point D / B (170), Characterizing the marketing point to the client.

According to the implementation method of the present invention, the marketing point earning unit 145 checks whether a membership recommendation of the client occurs and / or a purchase activity of another client associated with the client occurs, and the confirmation result When it is confirmed that the act of accumulating the marketing points, such as, generates marketing point information including a predetermined marketing point value, and generates the client information (eg, member ID information, etc.) and the generated marketing point information. It is preferable to store the data in a predetermined point D / B 170 by linkage processing.

2 is a diagram illustrating a payment-based electronic money charging process according to an embodiment of the present invention.

In more detail, in FIG. 2, the client terminal 100 on the web server 105 system shown in FIG. 1 uses a payment method based on at least one client payment method (eg, cyber money). Regarding the charging process, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer various implementation methods for the payment-based electronic money charging process. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 2.

Hereinafter, in FIG. 2, the client terminal 100 on the web server 105 system shown in FIG. 1 is referred to as a " terminal " for convenience, and the web server 105 on the web server 105 system shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 2, the terminal accesses the server using a predetermined network means, and the server to charge payment-based electronic money (eg, Cyber Money) through at least one or more client payment means. In step 200, a predetermined electronic money charging interface screen is requested.

Here, the electronic money charging interface screen preferably comprises a user interface for inputting a predetermined amount of electronic money and a user interface for selecting a predetermined client payment means for charging the electronic money amount.

Thereafter, the server generates an electronic money charging interface screen including a user interface for inputting a predetermined amount of electronic money and a user interface for selecting a predetermined client payment means for charging the electronic money amount. Extracting from a predetermined database (205) and providing the generated (or extracted) electronic money charging interface screen to the terminal through the network means (210).

Upon receiving the electronic money charging interface screen, the terminal checks whether or not predetermined payment means selection information and electronic money charging amount are input (or selected) through the electronic money charging interface screen (215). When the predetermined payment means selection information and the electronic money recharge amount are input (or selected) through the screen (220), the terminal displays the input (or selected) payment means selection information and the electronic money recharge amount through the network means. And transmits to the server (225).

Thereafter, the server performs a payment processing procedure for the charged amount of the electronic money in association with a predetermined payment system 150 corresponding to the payment means selection information through a predetermined communication means (230).

When the credit card payment means selection information and the electronic money payment amount are received from the terminal according to the exemplary embodiment of the present invention, the server corresponds to the credit card payment means 150 through a predetermined communication means. (E.g., credit card based non-face-to-face payment processing of the electronic money replenishment amount through the customer credit card in conjunction with a secure payment based credit card payment system 150, or assured click based credit card payment system 150) It is desirable to carry out the payment procedure.

According to another embodiment of the present invention, when the check card payment means selection information and the electronic money payment amount are received from the terminal, the server check card payment system 150 corresponding to the check card payment means through a predetermined communication means; (For example, check card-based non-face-to-face payment processing of the electronic money replenishment amount through the customer check card in conjunction with (e.g., secure payment-based check card payment system 150 or secure click-based check card payment system 150) It is desirable to carry out the payment procedure.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information and the electronic money payment amount are received from the terminal, the server debit card payment system corresponding to the debit card payment means through a predetermined communication means ( 150, it is preferable to perform a debit card-based non-face-to-face payment procedure for processing the electronic money recharge amount through the customer debit card in conjunction with a financial system provided in the debit card issuing bank.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information and the electronic money recharge amount are received from the terminal, the server prepaid card payment system corresponding to the prepaid card payment means through a predetermined communication means ( It is preferable to perform a prepaid card-based non-face-to-face payment procedure that processes the electronic money recharge amount through the customer prepaid card in conjunction with 150 (for example, a token operation system charged in a prepaid card).

According to another exemplary embodiment of the present invention, when the electronic wallet payment means selection information and the electronic money payment amount are received from the terminal, the server corresponds to the electronic wallet payment system corresponding to the electronic wallet payment means through a predetermined communication means ( It is preferable to perform an electronic wallet-based non-face-to-face payment procedure that processes the electronic money recharge amount through the customer electronic wallet in conjunction with 150 (for example, a token operation system charged in the electronic wallet).

According to another embodiment of the present invention, if the electronic bank payment means selection information and the electronic money payment amount is received from the terminal, the server through the predetermined communication means electronic payment account system corresponding to the electronic bank payment means ( 150, it is preferable to perform an electronic passbook-based non-face-to-face payment procedure that processes the electronic money recharge amount through the customer electronic passbook in conjunction with a financial system in which a financial account corresponding to the electronic passbook is opened.

According to another exemplary embodiment of the present invention, when the account transfer (or virtual account) payment means selection information and the electronic money payment amount are received from the terminal, the server transfers the account (or virtual account) through a predetermined communication means. The bank transfer (or virtual account) payment system corresponding to the payment means 150 (eg, a financial system in which at least one financial account (or virtual account) corresponding to the account transfer (or virtual account) is opened) It is preferable to perform a non-face-to-face payment procedure based on an account transfer (or virtual account) for processing the electronic money payment amount through a customer account transfer (or virtual account).

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid At least one of payment method selection information of a Prepaid Card payment method, electronic wallet payment method selection information, electronic bankbook payment method selection information, and bank transfer (or virtual account) payment method selection information. Since the technical features of the corresponding payment system 150 and the technical features of the non-face-to-face payment process using the illustrated payment system 150 will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, if one of ordinary skill in the art to which the present invention pertains, other payment system 150 (for example, mobile phone payment, etc.) that has been commercialized or expected to be commercialized in addition to the payment system 150 illustrated above. Technical features for, and technical features for the non-face-to-face payment process using the payment system 150 will be inferred, the present invention comprises all the inferred implementation method.

If the payment procedure for the electronic money recharge amount is completed through the payment system 150 corresponding to the payment means selection information (235), the server determines a predetermined electronic money corresponding to the electronic money recharge amount processed payment; By generating information 240 and processing the client information and the generated electronic money information in association with the predetermined electronic money D / B 160 to store the information 245, the payment-based electronic money is charged to the client. .

3 is a view showing an action point earning process according to an embodiment of the present invention.

In more detail, FIG. 3 periodically checks whether an action point earning condition for a given client is satisfied by the web server 105 on the web server 105 system shown in FIG. 1 (or at least one web service event). Responsive confirmation), and if the condition to earn a predetermined action point to the client is satisfied, the web server 105 includes a predetermined action point value to be credited to the client to generate and earn to the client As for the process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the action point earning process. Is made including all the inferred implementation methods, and the description is made only by the implementation method shown in FIG. This feature is not limited.

3, the client terminal 100 on the web server 105 system shown in FIG. 1 is referred to as " terminal " for convenience, and the web server 105 on the web server 105 system shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 3, the terminal requests to provide at least one web service to be provided according to at least one web service procedure provided by the server by accessing the server using a predetermined network means (300).

In this case, the terminal requests the server, and correspondingly, the web service provided by the server to the terminal may include an information service, a search service, a personalization service such as a mini homepage / blog, a messenger service, a mail service, a cafe / community service, and the like. It is preferable to include at least one or more of all kinds of internet services that can be provided through the browser program, such as a content providing service and an internet shopping service.

When the request for providing at least one web service is requested from the terminal according to at least one web service procedure, the server correspondingly provides the requested at least one web service to the terminal. In operation 305, the controller determines whether the action point earning condition for the client receiving the web service is satisfied.

According to an embodiment of the present invention, the server checks whether a posting activity such as a bulletin board, a video, or an image registration occurs through the terminal, and / or viewing and evaluation of another client corresponding to the posting activity occurs. It is preferable to check whether the action point earning condition for the client provided with the web service is satisfied.

If the action point earning condition for the client receiving the web service is not satisfied while providing the at least one web service from the server to the terminal (310), the server may perform the terminal until the action point earning condition is satisfied. The process of providing at least one web service requested from the service is repeated.

On the other hand, if it is determined that the action point earning condition for the client receiving the web service is provided while providing at least one web service from the server to the terminal (310), the server corresponds to the action point earning condition. After confirming the action point value of (315), and generates the predetermined action point information including the identified action point value (320), the client information and the generated action point information is linked to a predetermined point By storing in the D / B 165 (325), the client earns the action point.

4 is a diagram illustrating a reward point earning process according to an embodiment of the present invention.

In more detail, FIG. 4 periodically checks whether a reward point earning condition for a given client is satisfied by the web server 105 on the web server 105 system shown in FIG. 1 (or at least one web service event). Responsive confirmation), and if the condition to earn a predetermined reward point to the client is satisfied, the web server 105 includes a predetermined reward point value to be credited to the client to generate and earn to the client As for the process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the reward point earning process. It includes all the implementation methods inferred, and only by the implementation method shown in FIG. This technical feature is not limited.

Hereinafter, in FIG. 4, the client terminal 100 on the web server 105 system shown in FIG. 1 is referred to as a “terminal” for convenience, and the web server 105 on the web server 105 system shown in FIG. ) Is called "server" for convenience.

Referring to FIG. 4, the terminal requests to provide at least one web service to be provided according to at least one web service procedure provided by the server by accessing the server using a predetermined network means (400).

In this case, the terminal requests the server, and correspondingly, the web service provided by the server to the terminal may include an information service, a search service, a personalization service such as a mini homepage / blog, a messenger service, a mail service, a cafe / community service, and the like. It is preferable to include at least one or more of all kinds of internet services that can be provided through the browser program, such as a content providing service and an internet shopping service.

When the request for providing at least one web service is requested from the terminal according to at least one web service procedure, the server correspondingly provides the requested at least one web service to the terminal, and the web service provided to the terminal It is checked whether the client includes a purchase activity (405).

If the purchase activity for the client receiving the web service does not occur while providing the at least one web service from the server to the terminal (410), the server may request from the terminal until the purchase activity for the client occurs. The process of providing at least one requested web service is repeated.

On the other hand, if it is confirmed that a purchase activity for the client occurs while providing at least one web service from the server to the terminal (410), the server checks whether the client purchase activity satisfies a predetermined reward point earning condition ( 415).

According to the exemplary embodiment of the present invention, in order for the client purchase behavior to satisfy a predetermined reward point earning condition, the client purchase behavior is performed through a specific payment method among a plurality of payment means, or corresponds to the client purchase behavior. It is preferable that a payment amount must exceed a minimum payment amount, or a product (or content) to be traded in response to the client purchase activity is included in the reward point accumulation target.

If the client purchase behavior does not satisfy a predetermined reward point earning condition (420), the server requests from the terminal until a purchase act for the client occurs and the purchase act satisfies the reward point earning condition. The process of providing at least one web service is repeated.

On the other hand, if the client purchase activity satisfies a predetermined reward point earning condition (420), the server checks the predetermined reward point value corresponding to the reward point earning condition (425), the confirmed reward point After generating predetermined reward point information including a value (430), the client information and the generated reward point information are cooperatively processed and stored in the predetermined point D / B 165 (435) to the client. Earn the reward points.

5 is a diagram illustrating a process of accumulating affiliate points according to an embodiment of the present invention.

In more detail, FIG. 5 periodically checks whether an affiliate point earning condition for a given client is satisfied in the web server 105 on the web server 105 system shown in FIG. 1 (or at least one web service event). Responsive confirmation), and if the condition to earn a predetermined affiliate point to the client is satisfied, the web server 105 includes a predetermined affiliate point value to be credited to the client to generate and earn to the client As for the process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the process of accumulating the affiliated points. It includes all the implementation methods inferred above, and the description only by the implementation method shown in FIG. This feature is not limited.

Hereinafter, in FIG. 5, the client terminal 100 on the web server 105 system shown in FIG. 1 is referred to as a " terminal " for convenience, and the web server 105 on the web server 105 system shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 5, the terminal requests to provide at least one web service to be provided according to at least one web service procedure provided by the server by accessing the server using a predetermined network means (500).

In this case, the terminal requests the server, and correspondingly, the web service provided by the server to the terminal may include an information service, a search service, a personalization service such as a mini homepage / blog, a messenger service, a mail service, a cafe / community service, and the like. It is preferable to include at least one or more of all kinds of internet services that can be provided through the browser program, such as a content providing service and an internet shopping service.

When at least one web service is requested to be provided from the terminal according to at least one web service procedure, the server correspondingly provides the requested at least one web service to the terminal, in the process of providing the web service. In operation 505, a predetermined affiliate point is accumulated from the predetermined affiliate partner to the client, and / or exchange of affiliate points occurs.

If at least one web service is provided from the server to the terminal, a predetermined affiliate point is accumulated to a client provided with the web service at a given affiliate, and / or exchange of affiliate points does not occur (510). The server repeats a process of providing at least one web service requested from the terminal until a predetermined affiliate point is accumulated to a client at a predetermined affiliate company and / or exchange of affiliate points occurs.

On the other hand, if it is confirmed that a predetermined affiliate point is accumulated to a client receiving the web service from a certain affiliate and / or exchange of affiliate points occurs while providing at least one web service from the server to the terminal (510). The server checks (515) the server, the point value that the server accumulates to the client at the affiliate, and / or a predetermined affiliate point value corresponding to the point card exchanged at the affiliate (515). After generating predetermined affiliate point information including a point value (520), the client information and the generated affiliate point information are cooperatively processed and stored in a predetermined point D / B 165 (525). Earn the above affiliate points.

6 is a diagram illustrating an advertisement point earning process according to an embodiment of the present invention.

In more detail, FIG. 6 periodically checks whether an advertisement point earning condition for a given client is satisfied in the web server 105 on the web server 105 system shown in FIG. 1 (or at least one web service event). Responsive confirmation), and if the condition to earn a predetermined advertising point to the client is satisfied, the web server 105 includes a predetermined advertising point value to be credited to the client to generate and earn to the client As for the process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the advertisement point earning process, but the present invention It is made to include all the implementation method inferred, and the technical only by the implementation method shown in FIG. Features are not limited.

Hereinafter, in FIG. 6, the client terminal 100 on the web server 105 system shown in FIG. 1 is referred to as a " terminal " for convenience, and the web server 105 on the web server 105 system shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 6, the terminal requests to provide at least one web service to be provided according to at least one web service procedure provided by the server by accessing the server using a predetermined network means (600).

In this case, the terminal requests the server, and correspondingly, the web service provided by the server to the terminal may include an information service, a search service, a personalization service such as a mini homepage / blog, a messenger service, a mail service, a cafe / community service, and the like. It is preferable to include at least one or more of all kinds of internet services that can be provided through the browser program, such as a content providing service and an internet shopping service.

When the request for providing at least one web service is requested from the terminal according to at least one web service procedure, the server provides the requested at least one web service to the terminal in response to the request. Check whether at least one advertisement is included (605).

If at least one advertisement is not included in the web service provided to the terminal while providing at least one web service from the server to the terminal (610), the server may include at least one or more web services provided to the terminal. The process of providing at least one web service requested from the terminal is repeated until an advertisement is included.

On the other hand, if at least one or more advertisements are included in the web service provided to the terminal while providing at least one web service from the server to the terminal (610), the server is at least one other to the web service including the advertisement. The client checks whether the posting is included (615).

If the web service provided to the terminal does not include posts posted by at least one other client (620), the server provides a post provided by the other client to the terminal and a web service including a predetermined advertisement. Repeat the process of providing at least one or more web services requested from the terminal until.

On the other hand, if the web service provided to the terminal includes a post posted by at least one or more other clients (620), the server posts the post included in the web service provided to the terminal including a predetermined advertisement After confirming the predetermined advertising point value to be earned to the client (625), after generating the predetermined advertising point information including the identified advertising point value (630), the client information posted the post and the generated advertisement By linking the point information and storing it in a predetermined point D / B (165) (635), the advertisement point is credited to the client that posted the post.

7 is a diagram illustrating a marketing point earning process according to an embodiment of the present invention.

In more detail, FIG. 7 periodically checks whether a condition for accumulating marketing points for a given client is satisfied in the web server 105 on the web server 105 system shown in FIG. 1 (or at least one web service event). Responsive confirmation), and if the condition to earn a predetermined marketing point to the client is satisfied, the web server 105 includes a predetermined marketing point value to be credited to the client to generate and earn to the client As a process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 7 to infer various implementation methods for the marketing point earning process, but the present invention It includes all the implementation methods inferred, and only the implementation method shown in FIG. This technical feature is not limited.

Hereinafter, in FIG. 7, the client terminal 100 on the web server 105 system shown in FIG. 1 is referred to as a “terminal” for convenience, and the web server 105 on the web server 105 system shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 7, the terminal accesses the server using a predetermined network means and requests the provision of at least one web service to be provided according to at least one web service procedure provided by the server (700).

In this case, the terminal requests the server, and correspondingly, the web service provided by the server to the terminal may include an information service, a search service, a personalization service such as a mini homepage / blog, a messenger service, a mail service, a cafe / community service, and the like. It is preferable to include at least one or more of all kinds of internet services that can be provided through the browser program, such as a content providing service and an internet shopping service.

When the request for providing at least one web service is requested from the terminal according to at least one web service procedure, the server provides the requested at least one web service to the terminal in response to the request. Check that the marketing of at least one other client is included (705).

According to the embodiment of the present invention, when the web service provided to the terminal is generated by recommendation of another member, the web service provided to the terminal is treated as including marketing of at least one other client.

Alternatively, when the web service provided to the terminal includes network marketing of the client, the web service provided to the terminal is treated as including marketing of at least one other client.

If the web service provided to the terminal does not include the marketing of at least one other client while the server provides the at least one web service to the terminal (710), the server is connected to the web service provided to the terminal. The process of providing at least one web service requested from the terminal is repeated until marketing of at least one other client is included.

On the other hand, if at least one other client's marketing is included in the web service provided to the terminal while providing at least one web service from the server to the terminal (710), the server is connected to the marketing client (eg, the terminal). After confirming a predetermined marketing point value to be accumulated to the client corresponding to the marketing included in the provided web service (715), generating predetermined marketing point information including the identified marketing point value (720), The marketing client information and the generated marketing point information are cooperatively processed and stored in a predetermined point D / B 165 (725), thereby accumulating the marketing point to the marketing client.

8 is a view showing the configuration of a currency exchange processing system between electronic money and at least one point according to an embodiment of the present invention.

In more detail, FIG. 8 shows at least one of the action points, reward points, affiliate points, advertisement points, and marketing points of the electronic money charged through the web server 105 system shown in FIG. Exchange points, or conversely, at least one or more points of action points, reward points, affiliate points, advertisement points, and marketing points accumulated to a predetermined client through the web server 105 system shown in FIG. As a configuration of a currency exchange processing system for converting money into electronic money as shown in the drawings, a person having ordinary skill in the art may refer to and / or modify the present invention to exchange the electronic money with at least one or more points. It will be possible to infer various implementation methods for the exchange system configuration, but the present invention is all inferred It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the system for exchanging money between electronic money and at least one point includes a client terminal 800 having a browser program for exchanging between electronic money and at least one point, and the client terminal 800. ) And exchange the electronic money charged through the web server 105 system shown in FIG. 1 to at least one of the action points, reward points, affiliate points, advertisement points, and marketing points shown in FIG. Alternatively, at least one or more points of action points, reward points, affiliate points, advertisement points, and marketing points accumulated to a predetermined client through the web server 105 system shown in FIG. 1 are shown in FIG. It is characterized in that it comprises a currency exchange processing server 805 for converting into electronic money.

The client terminal 800 is provided with at least one web browser for accessing the exchange processing server 805 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. And a wired terminal including at least one desktop computer and / or a notebook, and / or a code division multiple access (CDMA) based wireless communication function and the wireless communication function. A mobile communication terminal (eg, a personal communication terminal having a CDMA-based wireless modem needle) having at least one browser for accessing the exchange processing server 805 and receiving a browsing-based wireless web service. System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or personal digital cellular terminals Personal digital cellular (PDC) and / or personal handyphone system (PHS) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc., And / or a portable Internet terminal having at least one browser for accessing the exchange processing server 805 and receiving a browsing-based wireless web service based on an IEEE 802.16x based wireless communication function and the wireless communication function ( For example, a personal communication terminal (PCS) and / or a personal digital assistant (PDA) and / or a smart phone and / or telematics and / or having an IEEE 802.16x based wireless modem chip. A mobile Internet dedicated terminal and / or laptop), and / or a wireless communication function based on IEEE 802.11x and the wireless communication function, and the browsing device is connected to the exchange processing server 805 based on the wireless communication function. At least one wireless LAN terminal (eg, a desktop computer and / or notebook computer having an IEEE 802.11x-based wireless modem chip) having at least one browser for receiving wireless web service Characterized in that it comprises a wireless terminal.

According to an embodiment of the present invention, the client terminal 800 including the desktop computer and / or laptop is connected to the exchange processing server 805 through a predetermined network means including the TCP / IP based wired communication network. And / or the client terminal 800 including the mobile communication terminal is connected to the exchange processing server 805 via a predetermined network means including a CDMA based wireless communication network, and And / or the client terminal 800 including the portable internet terminal is connected to the exchange processing server 805 via a predetermined network means including an IEEE 802.16x based wireless communication network, and / or the wireless The client terminal 800 including the LAN terminal is connected via a predetermined network means including an IEEE 802.11x based wireless communication network. It is preferable to connect to the currency exchange server 805.

According to the present invention, the currency exchange processing server 805 is characterized in that it comprises the electronic money D / B 850 and the point D / B 855 shown in Figure 1, or is performed in conjunction with.

According to the present invention, the exchange processing server 805 may store exchange rate information between electronic money information stored in the electronic money D / B 850 and action point information stored in the point D / B 855, And / or store exchange rate information between electronic money information stored in the electronic money D / B 850 and reward point information stored in the point D / B 855, and / or the electronic money D / B 850. Exchange rate information between the electronic money information stored in the electronic money information and the affiliated point information stored in the point D / B 855, and / or the electronic money information stored in the electronic money D / B 850 and the point D / Store exchange rate information between advertisement point information stored in B 855, and / or exchange exchange between electronic money information stored in the electronic money D / B 850 and marketing point information stored in the point D / B 855 Currency exchange information D / B 845 for storing rate information Characterized in that W is made.

According to an embodiment of the present invention, the exchange rate information between the electronic money and the action point, the exchange rate information between the electronic money and the reward point, the exchange rate information between the electronic money and the cooperation point, the electronic money and the advertisement point The exchange rate information between the exchange rate information between the electronic money and the marketing point is preferably set differently according to the exchange weight.

According to the present invention, the exchange processing server 805 is a web for connecting and managing a communication channel for exchange processing between the electronic money and at least one or more points through at least one client terminal 800 and a predetermined network means. The interface unit 810 is provided.

According to an embodiment of the present invention, when the client terminal 800 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the web interface unit 810 may communicate with the client terminal 800 and HTTP. A predetermined communication channel is connected based on a Hyper-Text Transfer Protocol protocol, and a currency exchange interface screen and / or a Hyper-Text Markup Language (HTML) compatible document form is connected to the client terminal 800 through the communication channel. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined exchange processing information selected (or input) from the client terminal 800 through the exchange processing interface screen.

According to another exemplary embodiment of the present invention, when the client terminal 800 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface 810 may include the client terminal 800 and the WAP (WAP). Connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol, and through the communication channel to the client terminal 800 in the form of a WML (Wireless Markup Language) and / or HTML compatible document. It is preferable to perform a function of transmitting and outputting a currency exchange interface screen and / or an information providing screen and receiving and processing predetermined currency exchange processing information corresponding to the currency exchange interface screen from the client terminal 800.

According to another exemplary embodiment of the present invention, when the client terminal 800 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit 810 may include the client terminal 800. And a predetermined communication channel are connected based on a wireless protocol corresponding to the IEEE 802.16x standard, and a predetermined exchange processing interface screen and / or an information providing screen are transmitted to the client terminal 800 through the communication channel and outputted. And, it is preferable to perform the function of receiving and processing the predetermined exchange processing information corresponding to the exchange processing interface screen from the client terminal 800, and / or the client terminal 800 is IEEE 802.11x based wireless When the communication channel is connected to the wireless terminal through a network, the web interface unit 810 is the client terminal (800) Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and transmit and output a predetermined currency exchange interface screen and / or information providing screen to the client terminal 800 through the communication channel. Preferably, the client terminal 800 performs a function of receiving and processing predetermined exchange processing information corresponding to the screen of the exchange processing interface.

Referring to FIG. 8, the exchange processing server 805 is connected to the web interface unit 810 when a predetermined client terminal 800 accesses the exchange processing server 805 through the web interface unit 810. An interface providing unit 815 for generating (or extracting) a predetermined exchange processing interface screen for allowing the client terminal 800 to select (or input) and transfer predetermined exchange processing information from the client terminal 800, and the web interface An information receiving unit 820 for receiving the exchange processing information selected (or inputted) and transmitted from the client terminal 800 through the exchange processing interface screen in cooperation with the unit 810, and reading the received exchange processing information. An information confirmation unit 825 for confirming the type of exchange point, and an exchange rate confirmation unit 830 for confirming the exchange rate between the exchange point and the electronic money; A currency exchange unit 835 for converting the electronic money to the exchange target point or an exchange point for the electronic currency according to the exchange rate; The electronic money information is stored in the electronic money D / B 850 in association with the client information, and the exchange point information corresponding to the exchange result after the exchange is processed in association with the client information. Currency exchange information storage unit 840 to be stored in the 855, characterized in that consisting of.

The interface providing unit 815 has a functional configuration (eg, provided in the client terminal 800 when a predetermined client terminal 800 is connected to the currency exchange server 805 through the web interface unit 810). Selecting (or inputting) predetermined currency exchange information for voting at least one or more performance planning plan information among at least two performance planning plan information stored in the performance planning plan D / B corresponding to the browser program provided in the client terminal 800 Generate a predetermined exchange processing interface screen which can be transmitted to the exchange processing server 805 via the network means, and / or extract from a predetermined database (not shown), and the web interface unit 810 Providing the generated (or extracted) currency exchange interface screen in association with the client terminal 800 through the network means. And that is characterized.

According to an exemplary embodiment of the present invention, the currency exchange interface screen may include a user interface (optional) for selecting a currency exchange target electronic money corresponding to the client, an action point, a reward point, or an association accumulated in the client. And a user interface for inputting an electronic money value to be exchanged from the electronic currency to the exchange point to the currency exchange point. According to the method, the exchange rate information for converting the electronic currency to be exchanged to the exchange target point is preferably further included.

According to another exemplary embodiment of the present invention, the currency exchange interface screen may include a user interface for selecting an exchange target point among an action point, a reward point, an affiliate point, an advertisement point, or a marketing point accumulated in the client. And a user interface for selecting an electronic currency to be exchanged corresponding to the client (optional), and a user interface for inputting a point value to be exchanged from the currency exchange point to the electronic currency for exchange. According to the method, it is preferable that the currency exchange point further comprises exchange rate information for converting the exchange target electronic money.

Thereafter, the client terminal 800 selects (or inputs) predetermined exchange processing information based on the exchange processing interface screen, and exchanges the selected (or input) exchange processing information through the network means. Send to 805.

According to an exemplary embodiment of the present invention, the exchange processing information may be exchange money electronic money information and exchange money point information (eg, action point information, reward point information, affiliate point information, advertising point information, or marketing point). It is preferable that the information includes exchange target point information) and electronic money value information to be exchanged from the exchange target electronic money to the exchange target point.

According to another exemplary embodiment of the present invention, the exchange processing information may be exchange target point information (for example, action point information, reward point information, affiliate point information, advertisement point information, or marketing point information. Information), information on the exchange target electronic money, and point value information to be converted from the exchange target point to the exchange target electronic money.

The information receiving unit 820 selects (or inputs) predetermined exchange processing information from the client terminal 800 through the exchange processing interface screen and transmits the information through the network means. Characterized in that it receives the information, the received exchange information is provided to the information check unit 825.

The information checking unit 825 reads the exchange target point information included in the exchange processing information, so that the exchange target point is an action point, a reward point, an affiliate point, an advertisement point, or a marketing point accumulated in the client. It is characterized by checking the type of exchange target point to check which point of the correspondence.

When the type of exchange target point is confirmed by the information confirming unit 825, the exchange rate confirmation unit 830 is connected with the exchange information D / B 845 to exchange the target exchange point corresponding to the type of exchange target point. Characterized in that the information on the exchange rate between the electronic money to be exchanged.

According to an embodiment of the present invention, the exchange rate information between the electronic currency and the exchange target action point, the exchange rate information between the electronic currency and the reward point, the exchange target electronic money and the exchange point cooperation point The exchange rate information between the exchange rate information, the exchange rate information between the exchange target electronic money and the exchange target advertising point, and the exchange rate information between the exchange target electronic money and the marketing target exchange point are preferably set differently according to the exchange weight. .

When the exchange rate information between the exchange target point and the exchange target electronic money is confirmed by the exchange rate check unit 830, the exchange processing unit 835 checks the electronic money value charged in the exchange target electronic money. Exchange money according to the exchange rate information is characterized in that the transfer to the exchange point.

According to an embodiment of the present invention, if the exchange target point to be exchanged in the electronic currency to be exchanged is an action point, the exchange processing unit 835 checks the electronic money value charged in the electronic currency to be exchanged for the identified electronic money. It is preferable to transfer the money to the action point by exchanging the exchange rate information according to the exchange rate information (for example, the action point weight for electronic money).

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is a reward point, the exchange processing unit 835 checks the electronic money value charged in the electronic currency subject to exchange. It is preferable to exchange the exchange rate information according to the exchange rate information (for example, reward point weights for electronic money) between money and reward points to the reward points.

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is an affiliated point, the exchange processing unit 835 checks the electronic money value charged in the electronic currency subject to exchange. It is preferable to transfer money exchange rates according to exchange rate information between electronic money and affiliate points (eg, affiliate point weights for electronic money) to the affiliate points.

According to another exemplary embodiment of the present invention, if the exchange target point to be exchanged in the electronic currency to be exchanged is an advertising point, the exchange processing unit 835 checks the electronic money value charged in the electronic currency to be exchanged. It is preferable to exchange the exchange rate information according to the exchange rate information between the electronic money and the advertisement point (for example, the advertisement point weight for the electronic money) to the advertisement point.

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is a marketing point, the exchange processing unit 835 checks the electronic money value charged in the electronic currency subject to exchange. According to the exchange rate information (eg, marketing point weights for electronic money) between the electronic money and the marketing point, it is preferable to transfer the money to the marketing point.

According to the present invention, the exchange processing unit 835 corresponds to the exchange processing in the process of converting the electronic money value charged in the exchange target electronic money according to the confirmed exchange rate information to transfer to the exchange target point. After the exchange of electronic money information (e.g., electronic money information including the value of the electronic money subtracted from the electronic money value in the exchange target electronic money) and post-exchange point information (e.g., the exchange rate information at the exchange target point) Point information including the point value that is exchanged and transferred according to the present invention).

According to an exemplary embodiment of the present invention, if the exchange target point to be exchanged in the electronic currency to be exchanged is an action point, the exchange processing unit 835 converts the electronic money value charged in the electronic currency to be exchanged into the electronic money and the action. In the process of exchanging money according to exchange rate information between points (e.g., action point weights for electronic money) and transferring to the action point, electronic money information (e.g., in the exchange target electronic money) corresponding to the exchange processing Electronic money information including the electronic money value of which the electronic money value is subtracted, and action point information after exchange (eg, the action point value exchanged and transferred according to the exchange rate information from the action points accumulated to the client). It is preferable to generate the action point information (included).

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is a reward point, the exchange processing unit 835 exchanges the electronic money value charged in the electronic currency subject to exchange with the electronic currency. In the process of exchanging money according to exchange rate information (e.g., reward point weights for electronic money) between reward points and transferring to the reward points, the electronic money information (e.g., in the exchange target electronic money) corresponding to the exchange processing The electronic money information including the electronic money value from which the electronic money value is subtracted, and the reward point value after the exchange of money (for example, the reward point value that is exchanged and transferred according to the exchange rate information from the reward points accumulated to the client). Generating reward point information).

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is an affiliate point, the exchange processing unit 835 converts the electronic money value charged in the electronic currency subject to exchange into the electronic money. And exchange the electronic money information (e.g., the electronic currency to be exchanged) corresponding to the currency exchange process in the process of transferring money exchange rates according to exchange rate information (e.g., affiliate point weight for electronic money) to the affiliated points. The electronic money information including the electronic money value is deducted from the electronic money value, and the affiliate point information after the exchange (for example, the affiliate point value that is exchanged and transferred according to the exchange rate information from the affiliate points accumulated to the client). It is preferable to generate the affiliated point information further comprising).

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is an advertisement point, the exchange processing unit 835 converts the electronic money value filled in the electronic currency subject to exchange into the electronic money. And exchange the electronic money information (for example, the electronic currency to be exchanged) corresponding to the exchange process in the process of exchanging the exchange point information according to the exchange rate information (for example, advertising point weight for electronic money) to the advertisement point. The electronic money value including the electronic money value deducted from the electronic money value, and the advertising point value after the exchange (for example, the advertising point value exchanged and transferred according to the exchange rate information from the advertising points accumulated to the client) It is preferable to generate more advertising point information).

According to another exemplary embodiment of the present invention, if the exchange target point exchanged in the electronic currency subject to exchange is a marketing point, the exchange processing unit 835 converts the electronic money value filled in the electronic currency subject to exchange into the electronic money. And exchange the electronic money information (for example, the electronic currency to be exchanged) corresponding to the exchange process in the process of converting the exchange point according to the exchange rate information between the marketing point and the marketing point (for example, the marketing point weight for the electronic money) to the marketing point. In the electronic money value including the electronic money value is deducted from the electronic money value, and marketing point information after exchange (eg, marketing point value that is exchanged and transferred according to the exchange rate information in the marketing points accumulated to the client) It is preferable to generate the marketing point information that further includes).

Alternatively, when the exchange rate information between the exchange target point and the exchange target electronic money is confirmed by the exchange rate check unit 830, the exchange processing unit 835 checks the value of the points accumulated in the exchange target point. It is characterized in that the exchange according to the exchange rate information to transfer (or charge) to the electronic currency subject to exchange.

According to an embodiment of the present invention, if the exchange target point that is exchanged into the electronic currency to be exchanged is an action point, the exchange processing unit 835 may determine the action point value accumulated in the action point in the identified electronic money and action. It is preferable to exchange the exchange rate information according to the point-to-point exchange rate information (for example, action point weights for electronic money) and transfer (or charge) the electronic currency to be exchanged.

According to another exemplary embodiment of the present invention, if the exchange target point that is exchanged into the electronic currency to be exchanged is a reward point, the exchange processing unit 835 may compare the reward point value accumulated in the reward point with the confirmed electronic money. It is preferable to exchange money according to exchange rate information between reward points (eg, reward point weights for electronic money) and transfer (or charge) the electronic money to be exchanged.

According to another exemplary embodiment of the present invention, if the exchange target point exchanged into the electronic currency subject to exchange is an affiliate point, the exchange processing unit 835 checks the value of the affiliate point accumulated in the affiliate point in the electronic money. It is preferable to exchange (or charge) the exchange target electronic money according to exchange rate information (eg, cooperation point weights for electronic money) between the affiliated points.

According to another exemplary embodiment of the present invention, if the exchange target point exchanged for the electronic currency to be exchanged is an advertising point, the exchange processing unit 835 determines the value of the advertisement point stored in the advertisement point in the electronic money. And exchange the exchange rate information according to the exchange rate information (for example, the advertising point weight for electronic money) to the electronic currency to be exchanged (or charged).

According to another exemplary embodiment of the present invention, if the exchange target point to be exchanged into the electronic currency, the exchange point is the marketing point, the exchange processing unit 835 checks the value of the marketing point accumulated in the marketing point the electronic money It is preferable to exchange the exchange rate information according to the exchange point information (eg, marketing point weights for electronic money) to the electronic currency to be exchanged (or charged).

According to the present invention, the exchange processing unit 835 in the process of transferring (or charging) to the exchange target electronic money by converting the point value accumulated in the exchange target points according to the confirmed exchange rate information; Post-exchange point information corresponding to the exchange process (eg, point information deducting the point value from the exchange point) and post-exchange electronic money information (eg, the electronic money value filled in the electronic currency to be exchanged). And the electronic money information including the electronic money value which is exchanged and transferred (or charged) according to the exchange rate information.

According to an embodiment of the present invention, if the exchange target point that is exchanged into the electronic currency to be exchanged is an action point, the exchange processing unit 835 converts the action point value charged in the action point between the electronic money and the action point. In the process of exchanging (or charging) the exchange target electronic money according to exchange rate information (e.g., action point weights for electronic money), post-exchange action point information corresponding to the exchange process (for example, the action point) In which the action point value is deducted, and the electronic money information (for example, the electronic money value charged in the electronic money subject to exchange) is exchanged and transferred (or charged) according to the exchange rate information. It is desirable to generate electronic money information including electronic money value.

According to another exemplary embodiment of the present invention, if the exchange target point exchanged into the electronic currency to be exchanged is a reward point, the exchange processing unit 835 converts the reward point value charged in the reward point into the electronic money and the reward point. In the process of exchanging (or charging) the exchange money according to the exchange rate ratio information (e.g., reward point weights for electronic money) to the exchange money electronic money, post-exchange reward point information corresponding to the exchange process (for example, the rewards) Reward point information deducting the reward point value from the point, and electronic money information after the exchange (e.g., the electronic money value charged in the electronic currency to be exchanged is exchanged according to the exchange rate information and transferred (or charged) according to the exchange rate information). It is desirable to generate electronic money information including the electronic money value. .

According to another exemplary embodiment of the present invention, if the exchange target point exchanged into the electronic currency subject to exchange is an affiliate point, the exchange processing unit 835 cooperates with the electronic money for the value of the affiliate point charged in the affiliate point. In the process of exchanging (or charging) the exchange target electronic money according to the exchange rate ratio information (for example, the cooperation point weight for electronic money) between the points, the exchange point information (for example, the exchange) corresponding to the exchange process The affiliate point information from which the affiliate point value is subtracted from the affiliate point and the electronic money information after the exchange (for example, the electronic money value charged in the electronic currency to be exchanged). It is desirable to generate the electronic money information including the electronic money value.

According to another exemplary embodiment of the present invention, if the exchange target point that is exchanged into the electronic currency to be exchanged is an advertisement point, the exchange processing unit 835 may convert the advertisement point value charged in the advertisement point into the electronic money. In the process of exchanging (or charging) the exchange target electronic money according to exchange rate ratio information (for example, advertisement point weight for electronic money) between advertisement points, the advertisement point information after exchange corresponding to the exchange process (eg, The advertisement point information is deducted from the advertisement point value, and the electronic money information after the exchange (for example, the electronic money value charged in the electronic currency subject to exchange) is exchanged according to the exchange rate information and transferred (or It is preferable to generate the electronic money information including the electronic money value).

According to another exemplary embodiment of the present invention, if the exchange target point exchanged into the electronic currency subject to exchange is a marketing point, the exchange processing unit 835 converts the marketing point value charged in the marketing point into the electronic money and marketing. In the process of exchanging (or charging) the exchange target electronic money according to the exchange rate ratio information (e.g., marketing point weights for electronic money) between points, the marketing point information after exchange corresponding to the exchange process (e.g., the Marketing point information from which the marketing point value is subtracted from the marketing point, and electronic money information after exchange, for example, the electronic money value charged in the electronic currency to be exchanged is exchanged according to the exchange rate information and transferred (or charged) It is desirable to generate the electronic money information including the electronic money value). .

When the electronic money information after the exchange and the point information on the exchange destination after the exchange is generated by the exchange processing unit 835, the exchange information storage unit 840 associates the electronic money information after the exchange with the client information. It stores in the currency D / B (850), and the exchange point information after the exchange of the client information is characterized in that stored in the point D / B (855).

According to an embodiment of the present invention, if the exchange target point is an action point, the exchange information storage unit 840 stores the electronic money information after the exchange in connection with the client information in the electronic money D / B 850. After the exchange, the action point information may be stored in the point D / B 855 in association with the client information.

According to another exemplary embodiment of the present invention, if the exchange target point is a reward point, the exchange information storage unit 840 connects the electronic money information after the exchange with the client information to the electronic money D / B 850. And store the reward point information in the point D / B 855 in association with the client information after the exchange.

According to another exemplary embodiment of the present invention, if the exchange target point is an affiliated point, the exchange information storage unit 840 associates the electronic money information after the exchange with the client information to the electronic money D / B 850. It is preferable to store in the point D / B (855), and to associate with the client information after the exchange point information associated with the client information.

According to another exemplary embodiment of the present invention, if the exchange target point is an advertisement point, the exchange information storage unit 840 associates the electronic money information after the exchange with the client information to convert the electronic money D / B 850. And store the advertisement point information in the point D / B 855 in association with the client information after the exchange.

According to another exemplary embodiment of the present invention, if the exchange target point is a marketing point, the exchange information storage unit 840 associates the electronic money information after the exchange with the client information and converts the electronic money D / B 850. And the marketing point information after the exchange, in connection with the client information, and store in the point D / B 855.

9 is a diagram illustrating an exchange process between an electronic money and at least one point according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates at least one of an action point, a reward point, an affiliate point, an advertisement point, and a marketing point shown in FIG. 1 for the electronic money charged through the web server 105 system shown in FIG. Exchange at least one or more points of action points, reward points, affiliate points, advertisement points, marketing points, etc. accumulated to a predetermined client through the web server 105 system shown in FIG. Regarding the process of exchanging electronic money as shown in FIG. 1, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to exchange money between the electronic money and at least one or more points. Various implementations of the process may be inferred, but the present invention includes all implementations inferred above. Becomes luer, it is not limited that the technical features of only the exemplary method shown in the figure 9.

Hereinafter, in FIG. 9, the client terminal 800 on the exchange processing system shown in FIG. 8 is referred to as "terminal" for convenience, and the exchange server 805 on the exchange processing system shown in FIG. 8 is referred to as "server" for convenience. It is called.

Referring to FIG. 9, the terminal accesses the server using a predetermined network means, and requests a predetermined exchange processing interface screen from the server for exchange processing between the electronic money and at least one or more points (900). .

Thereafter, the server includes at least one user interface (optional) for selecting an electronic currency to be exchanged, a user interface for selecting an exchange target point, and a user interface for inputting an electronic money value (or point value to be exchanged) for exchange. The exchange processing interface screen including the above is generated (or extracted from a predetermined database) (905), and the generated (or extracted) exchange processing interface screen is provided to the terminal through the network means (910).

According to an exemplary embodiment of the present invention, the currency exchange interface screen may include a user interface (optional) for selecting a currency exchange target electronic money corresponding to the client, an action point, a reward point, or an association accumulated in the client. And a user interface for inputting an electronic money value to be exchanged from the electronic currency to the exchange point to the currency exchange point. According to the method, the exchange rate information for converting the electronic currency to be exchanged to the exchange target point is preferably further included.

According to another exemplary embodiment of the present invention, the currency exchange interface screen may include a user interface for selecting an exchange target point among an action point, a reward point, an affiliate point, an advertisement point, or a marketing point accumulated in the client. And a user interface for selecting an electronic currency to be exchanged corresponding to the client (optional) and a user interface for inputting a point value to be exchanged from the currency exchange point to the electronic currency for exchange. According to the method, it is preferable that the currency exchange point further comprises exchange rate information for converting the exchange target electronic money.

The terminal receiving the exchange processing interface screen exchanges at least one of electronic currency information, currency exchange point information, and at least one electronic currency value (or point value) to be exchanged, through the currency exchange interface screen. In step 915, the processing information is inputted (or selected), and if the electronic currency value to be exchanged, the electronic currency value to be exchanged, and the electronic money value to be exchanged (or point value to be exchanged) are exchanged through the currency exchange interface screen. When the exchange processing information including at least one exchange processing information including at least one is input (or selected) (920), the terminal transmits the input (or selected) exchange processing information to the server through the network means; (925)

According to an exemplary embodiment of the present invention, the exchange processing information may be exchange money electronic money information and exchange money point information (eg, action point information, reward point information, affiliate point information, advertising point information, or marketing point). It is preferable that the information includes exchange target point information) and electronic money value information to be exchanged from the exchange target electronic money to the exchange target point.

According to another exemplary embodiment of the present invention, the exchange processing information may be exchange target point information (for example, action point information, reward point information, affiliate point information, advertisement point information, or marketing point information. Information), information on the exchange target electronic money, and point value information to be converted from the exchange target point to the exchange target electronic money.

Thereafter, the server checks the type of exchange target point by including the exchange target point information included in the exchange processing information (930).

If the type of exchange point is determined as an action point (935), the server performs an exchange procedure between the electronic money and the action point shown in FIG.

Alternatively, if the type of exchange point is confirmed as a reward point (940), the server performs the exchange process between the electronic money and the reward point shown in FIG.

Alternatively, if the type of exchange target point is identified as an alliance point (945), the server performs an exchange procedure between the electronic money and the alliance point shown in FIG.

Alternatively, if the exchange target point type is identified as an advertisement point (950), the server performs an exchange procedure between the electronic money and the advertisement point shown in FIG.

Alternatively, if the exchange target point type is identified as a marketing point (955), the server performs the exchange procedure between the electronic money and the marketing point shown in FIG.

On the other hand, if the type of exchange point is not confirmed (955), the server generates predetermined exchange error information and transmits it to the terminal through the network means (960), and exchange processing between the electronic money and at least one or more points. End the process.

10 is a diagram illustrating a currency exchange process between an electronic money and an action point according to an embodiment of the present invention.

In more detail, in FIG. 10, when the exchange target point type is identified as an action point in the exchange process illustrated in FIG. 9, the exchange process server 805 performs the exchange process between the electronic money and the action point. In particular, the process relates to a process of exchanging a predetermined electronic money value charged in the electronic money according to the exchange rate between the electronic money and the action point to transfer to the action point.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the exchange process between the electronic money and the action point. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to convert a predetermined action point value accumulated in the action point into the exchange rate between the electronic money and the action point. It is possible to infer an implementation method of transferring (or charging) money to electronic money according to the present invention, but the present invention includes all the implementation methods inferred above, and the technical features thereof are limited only by the implementation method shown in FIG. Not.

In the following Figure 10, the exchange processing server 805 on the exchange processing system shown in Figure 8 is referred to as "server" for convenience.

Referring to FIG. 10, if the type of exchange target point is determined as an action point in the exchange process shown in FIG. 9, the server may be connected to the exchange target electronic money in association with a predetermined exchange information D / B 845. Check the exchange rate information between the action points (1000).

According to the method of the present invention, the exchange rate information between the exchange target electronic money stored in the exchange information D / B 845 and the exchange target action point, the exchange rate information between the exchange target electronic money and the exchange target reward point and Currency exchange rate information between the exchange target electronic money and the exchange target partner point, exchange rate information between the exchange target electronic money and the exchange target advertising point, exchange rate information between the exchange target electronic money and the marketing target exchange point information, etc. It is preferable to set differently according to the weight.

If the exchange rate information of the electronic money and the action point is confirmed (1005), the server, the value information corresponding to the electronic money value included in the exchange processing information of the predetermined electronic money value charged in the electronic currency subject to exchange; Is exchanged according to the identified exchange rate (eg, action point weight for electronic money) and transferred to the action point (1010).

Thereafter, the server exchanges the electronic money value charged in the electronic currency to be exchanged according to the exchange rate information (for example, the action point weight for the electronic money) between the electronic money and the action point and transfers the money to the action point. Post-exchange electronic money information corresponding to the processing (for example, electronic money information including the electronic money value of which the electronic money value is subtracted from the exchange money) and post-exchange action point information (for example, accumulated in the client) In operation 1015, the action point information further includes an action point value that is exchanged and transferred according to the exchange rate information in the action point.

According to another embodiment of the present invention, when the predetermined action point value stored in the action point is exchanged according to the exchange rate between the electronic money and the action point and transferred (or charged) to the electronic money, the server may perform the action. Corresponds to the exchange process of transferring the action point value charged in the point according to the exchange rate information between the electronic money and the action point (for example, the action point weight for the electronic money) to the exchange target electronic money (or charging). Exchange the action point information after exchange (e.g., action point information subtracted from the action point value from the action point) and the electronic money information after exchange (e.g., the electronic money value charged in the exchange target electronic money) Electronic money policy containing the value of electronic money that is exchanged and transferred (or charged) according to the rate information. ) It is possible to generate.

As described above, when the electronic money information after the exchange and the action point information after the exchange are generated, the server processes the generated electronic money information and the client information after the exchange by linking the electronic money D / B shown in FIG. ) And also stores the action point information after exchange with the client information in the point D / B 855 shown in FIG. 8 (1020).

11 is a diagram illustrating a currency exchange process between electronic money and reward points according to an embodiment of the present invention.

In more detail, in FIG. 11, when the exchange target point type is identified as a reward point in the exchange process shown in FIG. 9, the exchange process server 805 performs the exchange process between the electronic money and the reward point. In particular, the process relates to a process of converting a predetermined electronic money value charged in the electronic money according to the exchange rate between the electronic money and the reward point to transfer to the reward point.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods for the exchange process between the electronic money and the reward point. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to convert a predetermined reward point value accumulated in the reward points into the exchange rate between the electronic money and the reward points. It is possible to infer an implementation method of transferring (or charging) money to electronic money according to the present invention, but the present invention includes all the implementation methods inferred above, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

In the following figure 11, the exchange processing server 805 on the exchange processing system shown in FIG. 8 is referred to as " server " for convenience.

Referring to FIG. 11, when the exchange target point type is identified as a reward point in the currency exchange process illustrated in FIG. 9, the server associates with the currency exchange D / B 845 and exchanges the electronic currency with the target currency. The exchange rate information between the reward points is checked (1100).

According to an embodiment of the present invention, the exchange rate information between the exchange target electronic money and the exchange target reward point stored in the exchange information D / B 845, the exchange rate information between the exchange target electronic money and the exchange target reward point and Currency exchange rate information between the exchange target electronic money and the exchange target partner point, exchange rate information between the exchange target electronic money and the exchange target advertising point, exchange rate information between the exchange target electronic money and the marketing target exchange point information, etc. It is preferable to set differently according to the weight.

If the exchange rate information of the electronic money and the reward point is confirmed (1105), the server corresponds to a value corresponding to the electronic money value included in the exchange processing information of the predetermined electronic money value charged in the electronic currency subject to the exchange. Information is exchanged according to the identified exchange rate (eg, reward point weight for electronic money) and transferred to the reward point (1110).

Thereafter, the server exchanges the electronic money value charged in the exchange target electronic money according to the exchange rate information (eg, the reward point weight for the electronic money) between the electronic money and the reward point and transfers the reward point to the reward point. Post-exchange electronic money information corresponding to the processing (e.g., electronic money information including the electronic money value of which the electronic money value is subtracted from the electronic currency to be exchanged) and reward point information (e.g., credited to the client) In operation 1115, the reward point information further includes a reward point value that is exchanged and transferred according to the exchange rate information at the reward point.

According to another exemplary embodiment of the present invention, when the predetermined reward point value accumulated in the reward points is exchanged according to the exchange rate between the electronic money and the reward point, the server transfers (or charges) the electronic money to the reward. Corresponds to the exchange process of transferring the reward point value charged in the point according to the exchange rate information (e.g., the reward point weight for the electronic currency) between the electronic money and the reward point and transferring (or charging) the electronic money to the exchange target electronic money. The reward point information (for example, the reward point information obtained by subtracting the reward point value from the reward point) and the electronic money information (for example, the electronic money value charged in the electronic currency to be exchanged). Electronic money value exchanged and transferred (or charged) according to exchange rate information It is possible to generate electronic money information including).

As described above, when the electronic money information after exchange and the reward point information after the exchange are generated, the server processes the generated electronic money information and the client information after the exchange by linking the electronic money D / B shown in FIG. In addition, the reward point information after the exchange is processed in association with the client information and stored in the point D / B 855 shown in FIG. 8 (1120).

12 is a diagram illustrating a currency exchange process between an electronic money and an affiliate point according to an embodiment of the present invention.

In detail, FIG. 12 illustrates that when the exchange target point type is identified as an alliance point in the exchange process shown in FIG. 9, the exchange processing server 805 performs an exchange process between the electronic money and the affiliate point. In particular, the process relates to a process of transferring a predetermined electronic money value charged in the electronic money according to the exchange rate between the electronic money and the affiliate point to transfer to the affiliate point.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer various implementation methods for the exchange process between the electronic money and the cooperation point. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to convert a predetermined affiliate point value accumulated in the affiliate point into the exchange rate between the electronic money and the affiliate point. According to the present invention, it is possible to infer an implementation method of transferring (or charging) money into electronic money, but the present invention includes all the implementation methods inferred above, and the technical features are limited only by the implementation method shown in FIG. Not.

In the following Figure 12, the exchange processing server 805 on the exchange processing system shown in FIG. 8 is referred to as "server" for convenience.

Referring to FIG. 12, when the exchange target point type is identified as an affiliated point in the exchange process shown in FIG. 9, the server associates with the exchange target D / B 845 to exchange the target electronic money with the exchange target. Check the exchange rate information between the cooperation point (1200).

According to an embodiment of the present invention, the exchange rate information between the exchange target electronic money and the exchange target cooperation point stored in the exchange information D / B 845, the exchange rate information between the exchange target electronic money and the exchange target reward point and Currency exchange rate information between the exchange target electronic money and the exchange target partner point, exchange rate information between the exchange target electronic money and the exchange target advertising point, exchange rate information between the exchange target electronic money and the marketing target exchange point information, etc. It is preferable to set differently according to the weight.

If the exchange rate information of the electronic money and the affiliated point is confirmed (1205), the server may store value information corresponding to the electronic money value included in the currency exchange information among predetermined electronic money values charged in the electronic currency subject to exchange. The money is exchanged according to the identified exchange rate (eg, affiliate point weight for electronic money) and transferred to the affiliate point (1210).

Thereafter, the server exchanges the electronic money value charged in the exchange target electronic money according to the exchange rate information (eg, the affiliate point weight for the electronic money) between the electronic money and the affiliate point and transfers the exchange point to the affiliate point. Post-exchange electronic money information corresponding to the processing (e.g., electronic money information including the electronic money value of which the electronic money value is subtracted from the electronic currency to be exchanged) and post-exchange cooperation point information (e.g., credited to the client) In operation 1215, the affiliated point information further includes an affiliate point value that is exchanged and transferred according to the exchange rate information.

According to another exemplary embodiment of the present invention, when the predetermined affiliate point value stored in the affiliate point is exchanged according to the exchange rate between the electronic money and the affiliate point and transferred (or charged) to the electronic money, the server associates the affiliate with the electronic money. Corresponds to the exchange process of exchanging (or charging) the affiliate point value charged in the point according to the exchange rate information (e.g., the affiliate point weight for the electronic currency) between the electronic money and the affiliate point to the electronic currency subject to exchange. The exchange point to the exchange point information (for example, the cooperation point information from which the affiliate point value is subtracted from the affiliate point) and the electronic money information after the exchange (for example, the electronic money value charged in the exchange target electronic money) Electronic money policy containing the value of electronic money that is exchanged and transferred (or charged) according to the rate information. ) It is possible to generate.

As described above, when the electronic money information after exchange and the cooperation point information after exchange are generated, the server processes the generated electronic money information and the client information after the exchange by linking the electronic money D / B shown in FIG. In addition, the association point information is exchanged with the client information after the exchange and stored in the point D / B 855 shown in FIG. 8 (1220).

13 is a diagram illustrating a currency exchange process between an electronic money and an advertisement point according to an embodiment of the present invention.

In detail, FIG. 13 illustrates that when the exchange target point type is identified as an advertisement point in the exchange process shown in FIG. 9, the exchange server 805 performs a currency exchange procedure between the electronic money and the advertisement point. In particular, the process relates to a process of converting a predetermined electronic money value charged in the electronic money according to the exchange rate between the electronic money and the advertising point to transfer to the advertising point.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the exchange process between the electronic money and the advertisement point. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 13 to convert a predetermined advertising point value stored in the advertising point into the exchange rate between the electronic money and the advertising point. It is possible to infer an implementation method of transferring (or charging) money to electronic money according to the present invention, but the present invention includes all the implementation methods inferred above, and the technical features thereof are limited only by the implementation method shown in FIG. Not.

In the following Figure 13, the exchange processing server 805 on the exchange processing system shown in Figure 8 is referred to as "server" for convenience.

Referring to FIG. 13, when the exchange target point type is identified as an advertisement point in the currency exchange process illustrated in FIG. 9, the server associates with the currency exchange D / B 845 and exchanges the electronic currency with the target currency. Check the exchange rate information between the advertising point (1300).

According to the method of the present invention, the exchange rate information between the exchange target electronic money and the exchange target advertising point stored in the exchange information D / B (845), the exchange rate information between the exchange target electronic money and the exchange target reward point and Currency exchange rate information between the exchange target electronic money and the exchange target partner point, exchange rate information between the exchange target electronic money and the exchange target advertising point, exchange rate information between the exchange target electronic money and the marketing target exchange point information, etc. It is preferable to set differently according to the weight.

If the exchange rate information of the electronic money and the advertising point is confirmed (1305), the server determines the value information corresponding to the electronic money value included in the exchange processing information among the predetermined electronic money values charged in the electronic currency to be exchanged. Is exchanged according to the identified exchange rate (eg, advertising point weight for electronic money) and transferred to the advertisement point (1310).

Thereafter, the server exchanges the electronic money value charged in the electronic currency to be exchanged according to the exchange rate information (for example, the advertisement point weight for the electronic money) between the electronic money and the advertisement point, and transfers it to the advertisement point. Post-exchange electronic money information corresponding to the processing (e.g., electronic money information including the electronic money value of which the electronic money value is subtracted from the electronic currency to be exchanged) and post-exchange advertising point information (e.g., credited to the client) In operation 1315, the advertisement point information further includes an advertisement point value that is exchanged and transferred according to the exchange rate information.

According to another exemplary embodiment of the present invention, when the value of a predetermined advertisement point stored in the advertisement point is exchanged according to the exchange rate between the electronic money and the advertisement point and transferred (or charged) to the electronic money, the server converts the advertisement. In the exchange process, the value of the advertisement point charged in the point is exchanged according to the exchange rate information between the electronic money and the advertisement point (for example, the advertisement point weight for the electronic money) and transferred (or charged) to the electronic currency to be exchanged. The corresponding post-exchange advertisement point information (eg, the advertisement point information from which the advertisement point value is subtracted from the advertisement point) and the post-exchange electronic money information (eg, the electronic money value charged in the exchange target electronic money). Electronic money information including the value of electronic money that is exchanged and transferred (or charged) according to the exchange rate information. It is possible to create b).

As described above, when the electronic money information after the exchange and the advertising point information after the exchange is generated, the server processes the generated electronic money information and the client information after the exchange by connecting the electronic money D / B shown in FIG. ) And the advertisement point information after the exchange, in association with the client information, and stored in the point D / B 855 shown in FIG. 8 (1320).

14 is a diagram illustrating a currency exchange process between electronic money and marketing point according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates that the exchange point is exchanged between the electronic money and the marketing point in the exchange processing server 805 when the exchange target point type is identified as a marketing point in the exchange process shown in FIG. As a process, specifically, the process of converting a predetermined electronic money value charged in the electronic money according to the exchange rate between the electronic money and the marketing point is transferred to the marketing point.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer various implementation methods for the exchange process between the electronic money and the marketing point. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to convert a predetermined marketing point value accumulated in the marketing point into the exchange rate between the electronic money and the marketing point. According to the present invention, it is possible to infer a method of exchanging (or charging) money with electronic money, but the present invention includes all the methods of inferring the above, and the technical features of the present invention are limited only by the method shown in FIG. Not.

Hereinafter, in FIG. 14, the exchange processing server 805 on the exchange processing system shown in FIG. 8 is referred to as " server " for convenience.

Referring to FIG. 14, when the exchange target point type is identified as a marketing point in the currency exchange process illustrated in FIG. 9, the server associates with the currency exchange D / B 845 to exchange the electronic currency with the target currency. Check the exchange rate information between the marketing point (1400).

According to an embodiment of the present invention, the exchange rate information between the exchange target electronic money stored in the exchange information D / B 845 and the marketing target exchange point, the exchange rate information between the exchange target electronic money and the exchange target reward point and Currency exchange rate information between the exchange target electronic money and the exchange target partner point, exchange rate information between the exchange target electronic money and the exchange target advertising point, exchange rate information between the exchange target electronic money and the marketing target exchange point information, etc. It is preferable to set differently according to the weight.

If the exchange rate information of the electronic money and the marketing point is confirmed (1405), the server determines the value information corresponding to the electronic money value included in the exchange processing information among the predetermined electronic money values charged in the electronic currency to be exchanged. Is exchanged according to the identified exchange rate (eg, marketing point weight for electronic money) and transferred to the marketing point (1410).

Thereafter, the server exchanges the electronic money value charged in the exchange target electronic money according to the exchange rate information (for example, marketing point weight for electronic money) between the electronic money and the marketing point and transfers it to the marketing point. Post-exchange electronic money information corresponding to the processing (e.g., electronic money information including the electronic money value of the electronic money value deducted from the exchange money) and post-exchange marketing point information (e.g., credited to the client) In step 1415, the marketing point information further includes the marketing point value that is exchanged and transferred according to the exchange rate information.

According to another exemplary embodiment of the present invention, when the predetermined marketing point value stored in the marketing point is exchanged according to the exchange rate between the electronic money and the marketing point and transferred (or charged) to the electronic money, the server performs the marketing. Corresponds to the exchange process of converting the marketing point value charged in the point according to the exchange rate information between the electronic money and the marketing point (e.g., marketing point weight for the electronic money) and transferring (or charging) the electronic money to the exchange target electronic money. The exchange point to the exchange point marketing point information (eg, marketing point information from which the marketing point value is subtracted from the marketing point) and the electronic money information after the exchange (eg, the electronic money value charged in the exchange target electronic money). Electronic money value exchanged and transferred (or charged) according to percentage information It is possible to generate the electronic money information) including.

When the electronic money information after the exchange and the marketing point information after the exchange is generated as described above, the server processes the generated electronic money information and the client information after the exchange by connecting the electronic money D / B shown in FIG. In addition, the marketing point information after the exchange is processed in association with the client information and stored in the point D / B 855 shown in FIG. 8 (1420).

15 is a diagram showing the configuration of the point operating system according to an embodiment of the present invention.

More specifically, Figure 15 shows at least one or more points (e.g., action points, reward points, affiliate points, or advertisement points, or points earned to a given client through the web server 105 system shown in Figure 1), or Marketing points, etc.), and / or at least one or more points (e.g., action points, reward points, affiliate points, advertising points, or marketing points exchanged to a given client through the exchange processing system shown in FIG. 8). Etc.) is a configuration of a point operating system using a product (or content) with different point requirements, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 15. Although various implementation methods for the configuration of the point operation system may be inferred, the present invention It is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 15.

Referring to FIG. 15, the point operating system includes a client terminal 1500 having a browser program for operating the point and a web server 105 shown in FIG. 1 in association with the client terminal 1500. At least one or more points (e.g., action points or reward points, or affiliate points, or advertisement points, or marketing points, etc.) earned to a given client through the system, and / or the currency exchange system shown in FIG. Point operation using products (or content) with different point requirements through at least one or more points (e.g., action points, reward points, affiliate points, advertising points, or marketing points, etc.) exchanged to a given client It characterized in that it comprises a server 1505.

The client terminal 1500 includes at least one web browser for accessing the point operation server 1505 based on a TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. And a wired terminal including at least one desktop computer and / or a notebook, and / or a code division multiple access (CDMA) based wireless communication function and the wireless communication function. A mobile communication terminal (eg, a personal communication terminal having a CDMA-based wireless modem needle) having at least one browser for accessing the point operation server 1505 and providing a browsing-based wireless web service. System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or personal digital cells Personal digital cellular (PDC) and / or personal handyphone system (PHS) terminals and / or personal digital assistants (PDAs) and / or smart phones and / or telematics, etc. And / or a portable Internet terminal having at least one browser for accessing the point operation server 1505 based on the IEEE 802.16x-based wireless communication function and the wireless communication function and receiving a browsing-based wireless web service. (E.g., Personal Communication Terminal (PCS) and / or Personal Digital Assistant (PDA) with IEEE 802.16x based wireless modem chip and / or Smart Phone and / or Telematics and / Or a portable Internet dedicated terminal and / or a laptop, etc.) and / or an IEEE 802.11x based wireless communication function and the wireless communication function and the point operation server 1505. At least one wireless LAN terminal (eg, a desktop computer and / or notebook including an IEEE 802.11x based wireless modem chip) having at least one browser for receiving a browsing-based wireless web service. It comprises a wireless terminal including the above.

According to an embodiment of the present invention, the client terminal 1500 including the desktop computer and / or laptop is connected to the point operating server 1505 via a predetermined network means including the TCP / IP based wired communication network. And / or the client terminal 1500 including the mobile communication terminal connects to the point operating server 1505 via a predetermined network means including a CDMA based wireless communication network, and And / or the client terminal 1500 including the portable internet terminal is connected to the point management server 1505 via a predetermined network means including an IEEE 802.16x based wireless communication network, and / or the The client terminal 1500 including a WLAN terminal includes a predetermined network including an IEEE 802.11x based wireless communication network. It is preferable to connect to the point operating server 1505 through a walk means.

According to the present invention, the point operation server 1505 is provided by the electronic money D / B 1555 and the point D / B 1550 shown in FIGS. It is characterized by.

According to the present invention, the point management server 1505 may include at least one or more point management target product (or content) information, action point request information for using the point management target product (or content), and the point management target. Reward point request information for using a product (or content), cooperation point request information for using the point management target product (or content), advertisement point request information for using the point management target product (or content), And a product (or content) D / B for cooperatively storing and storing marketing point request information for using the point operation target product (or content), or the cooperative process.

The point management target product (or content) information may be accumulated through at least one product (or content) available through the point management server 1505 through the web server 105 system shown in FIG. One or more points (e.g., action point or reward point, or affiliate point, or advertisement point, or marketing point, etc.), or at least one or more points (e.g., exchanged through the exchange processing system shown in FIG. 8). It is preferable to include product (or content) information available through an action point, a reward point, an affiliate point, an advertisement point, or a marketing point.

According to the exemplary embodiment of the present invention, it is preferable that action points, reward points, advertisement points, or marketing points required to use the same point operation target product (or content) are set differently.

For example, if 10 action points for using a predetermined point management target product (or content) are required, 20 reward points for using the same point management target product (or content) are required. 30 points are required for the cooperation point to use the same point management target product (or content), and 40 points are required for the advertisement point for using the same point management target product (or content) as above. 50 marketing points for using a product (or content) may be required.

As the point value required to use the specific point operation target product (or content) is set differently as described above, at least one or more points (for example, through the web server 105 system shown in FIG. 1) are accumulated. An action point, or a reward point, an affiliate point, an advertisement point, a marketing point, or the like, or at least one or more points (e.g., an action point, or a reward point, or a currency exchange) exchanged through the exchange processing system shown in FIG. Affiliate points, or advertising points, or marketing points).

According to the present invention, the point management server 1505 includes a web interface unit 1510 for connecting and managing a communication channel for the point operation through at least one or more client terminals 1500 and a predetermined network means. Characterized in that made.

According to an embodiment of the present invention, when the client terminal 1500 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the web interface unit 1510 may communicate with the client terminal 1500 and HTTP. A point selection interface screen in the form of a Hyper-Text Markup Language (HTML) compatible document and / or a predetermined communication channel is connected to the client terminal 1500 through the communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined point selection information selected (or input) through the point selection interface screen from the client terminal 1500.

According to another exemplary embodiment of the present invention, when the client terminal 1500 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit 1510 may include the client terminal 1500 and the WAP (WAP). Connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol, and communicate the WML (Wireless Markup Language) and / or HTML-compatible document form to the client terminal 1500 through the communication channel. It is preferable to perform a function of transmitting and outputting a point selection interface screen and / or an information providing screen and receiving and processing predetermined point selection information corresponding to the point selection interface screen from the client terminal 1500.

According to another exemplary embodiment of the present invention, when the client terminal 1500 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit 1510 may include the client terminal 1500. And a predetermined communication channel are connected based on a wireless protocol corresponding to the IEEE 802.16x standard, and a predetermined point selection interface screen and / or information providing screen is transmitted to the client terminal 1500 through the communication channel and output. And perform a function of receiving and processing predetermined point selection information corresponding to the point selection interface screen from the client terminal 1500, and / or the client terminal 1500 is wireless based on IEEE 802.11x. When the communication channel is connected to a wireless terminal through a network, the web interface unit 1510 is connected to the client. Connects a predetermined communication channel with the remote terminal 1500 based on a wireless protocol corresponding to the IEEE 802.11x standard, and provides a predetermined point selection interface screen and / or information to the client terminal 1500 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined point selection information corresponding to the point selection interface screen from the client terminal 1500.

According to the present invention, the point management server 1505, in connection with the web interface unit 1510, the client terminal at least one or more point management target products (or content) stored in the product (or content) D / B It is characterized in that it comprises a point service unit 1515 to be used at (1500).

If the person of ordinary skill in the art (for example, Point Mall operator), the point service unit 1515 through the network means at least one or more point management target product (or content) Since it will be familiar with the technical features to use in the client terminal 1500, a detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the point management server 1505 may include at least one point management target product stored in the product (or content) D / B by the point service unit 1515 in at least one client terminal 1500. (Or content), action point request information and reward points for using the point management target product (or content) in the client terminal 1500 in association with the product (or content) D / B An information checking unit 1520 for confirming point request information including at least one request information, affiliate point request information, advertisement point request information, marketing point request information, and the like, and at least confirmed by the information checking unit 1520. Using one or more point request information and the point management target product (or content) in the client terminal 1500 A point selection interface screen including a user interface for selecting a predetermined client point among the action point, reward point, affiliate point, advertisement point, and marketing point for generating (or extracting) the image through the web interface unit 1510. An interface providing unit 1525 provided to the client terminal 1500, an information receiving unit 1530 which receives point selection information for using the point management target product (or content) from the client terminal 1500, and A point confirming unit 1535 for confirming that a point value corresponding to the point request information is accumulated in the client point corresponding to the point selection information received through the information receiving unit 1530 in association with the point D / B 1550; And a corresponding point to the client point corresponding to the point selection information as a result of the checking. When the point value corresponding to the requested information is confirmed that the point value is accumulated, the point processing unit 1540 for processing to use the point management target product (or content) through the client point corresponding to the point selection information is made It features.

The information checking unit 1520 may allow the point service unit 1515 to use at least one or more point management target products (or contents) stored in the product (or contents) D / B in at least one client terminal 1500. In the process, the action point request information, reward point request information, cooperation point request information for using the point operation target product (or content) in the client terminal 1500 in association with the product (or content) D / B The method may include identifying point request information including at least one of advertisement point request information and marketing point request information.

Here, the action point, the reward point, the advertisement point, or the marketing point required to use the same point operation target product (or content) may be set differently.

Action point request information, reward point request information, affiliate point request information, advertisement point request information, and marketing for using the point operation target product (or content) in the client terminal 1500 by the information checking unit 1520 When at least one point request information including at least one point request information or the like is confirmed, the interface provider 1525 includes at least one point request information identified by the information checker 1520 and the client. Point selection interface screen including a user interface for selecting a predetermined client point among the action point, reward point, affiliate point, advertising point, marketing point for using the point operation target product (or content) in the terminal 1500 Generate (or extract) the web interface It is provided to the client terminal 1500 through the unit 1510.

The client terminal 1500 provided with the point selection interface screen corresponds to the point request information among the action point, reward point, affiliate point, advertisement point, and marketing point through the point selection interface screen. (Or input) point selection information corresponding to a predetermined client point for using the content (or content), and the point selection server selects the point selection information selected (or input) through the network means. (1505).

The information receiving unit 1530 corresponds to a predetermined client point for using the point management target product (or content) among the action point, reward point, affiliate point, advertisement point, and marketing point from the client terminal 1500. And receiving the point selection information, and providing the received point selection information to the point confirmation unit 1535.

The point checking unit 1535 stores the point value corresponding to the point request information in the client point corresponding to the point selection information received through the information receiving unit 1530 in association with the point D / B 1550. It is characterized by checking.

According to an embodiment of the present invention, if the client point corresponding to the point selection information is an action point, the point checking unit 1535 performs the action stored in association with the client information in the point D / B 1550. The client determines an action point corresponding to the point selection information by confirming that the action point value corresponding to the point information includes the point value corresponding to the action point request information associated with the point operation target product (or content) information. It is preferable to check whether the point management target product (or content) is available through.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a reward point, the point checking unit 1535 is stored in association with the client information in the point D / B 1550. By confirming that the reward point value corresponding to the reward point information includes the point value corresponding to the reward point request information associated with the point operation target product (or content) information, the client corresponds to the reward selection information. It is preferable to check whether the point management target product (or content) is available through the point.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an affiliate point, the point checking unit 1535 is stored in association with the client information in the point D / B 1550. The client corresponds to the point selection information by confirming that the affiliate point value corresponding to the affiliate point information that is present includes the point value corresponding to the affiliate point request information associated with the point operation target product (or content) information. It is preferable to check whether the point management target product (or content) is available through the affiliate point.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an advertisement point, the point checking unit 1535 is stored in association with the client information in the point D / B 1550. The client corresponds to the point selection information by confirming that the advertisement point value corresponding to the advertisement point information that is present includes the point value corresponding to the advertisement point request information associated with the point operation target product (or content) information. It is preferable to check whether the point management target product (or content) is available through the advertisement point.

According to another embodiment of the present invention, if the client point corresponding to the point selection information is a marketing point, the point checking unit 1535 is stored in association with the client information in the point D / B 1550. By checking whether the marketing point value corresponding to the marketing point information includes the point value corresponding to the marketing point request information associated with the point operation target product (or content) information. It is preferable to check whether the point management target product (or content) is available through the marketing point.

If the check result indicates that the client cannot use the point management target product (or content) through the client point corresponding to the point selection information, the point checking unit 1535 may pass through the interface providing unit 1525. Request the client terminal 1500 to select another client point, or exchange the electronic money value charged to the client through the exchange processing server 1560 shown in FIG. 8 to the client point corresponding to the point selection information. It is advisable to ask.

On the other hand, if the check result indicates that the client can use the point management target product (or content) through the client point corresponding to the point selection information, the point processing unit 1540 accumulates in the client point corresponding to the point selection information. By using the point value corresponding to the point request information among the point value, the client terminal 1500 processes the point management target product (or content) to be available through the point service unit 1515. It is done.

According to an embodiment of the present invention, if the client point corresponding to the point selection information is an action point, the point processing unit 1540 is an action point stored in association with the client information in the point D / B 1550. The point service unit 1515 is executed by the client terminal 1500 by exhausting the point value corresponding to the action point request information processed in association with the point operation target product (or content) information among the action point values corresponding to the information. It is preferable to process so that the point operation target product (or content) can be used.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a reward point, the point processing unit 1540 is associated with the client information and stored in the point D / B 1550 and stored therein. The point service unit 1515 of the client terminal 1500 may be exhausted by exhausting the point value corresponding to the reward point request information associated with the point operation target product (or content) information among the reward point values corresponding to the point information. It is preferable to process so that the point management target product (or content) is available through.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an affiliate point, the point processing unit 1540 is stored in association with the client information in the point D / B 1550. The point service unit 1515 of the client terminal 1500 may be exhausted by exhausting the point value corresponding to the affiliate point request information associated with the point operation target product (or content) information among the affiliate point values corresponding to the affiliate point information. It is preferable to process such that the point management target product (or content) can be used.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an advertisement point, the point processing unit 1540 is stored in association with the client information in the point D / B 1550. The point service unit 1515 of the client terminal 1500 may be exhausted by exhausting the point value corresponding to the advertisement point request information associated with the point operation target product (or content) information among the advertisement point values corresponding to the advertisement point information. It is preferable to process such that the point management target product (or content) can be used.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a marketing point, the point processing unit 1540 is stored in association with the client information in the point D / B 1550. The point service unit 1515 in the client terminal 1500 may be exhausted by exhausting the point value corresponding to the marketing point request information associated with the point operation target product (or content) information among the marketing point values corresponding to the marketing point information. It is preferable to process such that the point management target product (or content) can be used.

16 is a diagram illustrating a point operation process according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates at least one or more points (eg, action points, reward points, affiliate points, or advertisement points) accumulated to a given client through the web server 105 system shown in FIG. Marketing points, etc.) and / or at least one or more points (e.g., action points, reward points, affiliate points, advertising points, or marketing) exchanged to a given client via the exchange processing system shown in FIG. Points) is a point operation process that uses a product (or content) with a different point request value through a point, etc.) If you have a general knowledge in the technical field to which the present invention belongs, reference to and / or modified in this drawing 16 Various implementation methods for the point operation process may be inferred, but the present invention is inferred from the above. Is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal 1500 on the point operating system shown in FIG. 15 is referred to as a "terminal" for convenience, and the point operating server 1505 on the point operating system shown in FIG. 15 is "server" for convenience. It is called.

Referring to FIG. 16, the terminal connects to the server using a predetermined network means, and a predetermined point operation target product (or content) is transmitted to the server according to a point operation target product (or content) using procedure defined in the server. Content) request (1600), and in response, the server associates with the requested product (or content) of the requested point operation target product (or content) in association with the product (or content) D / B shown in FIG. The above point request information is confirmed (1605).

According to an embodiment of the present invention, the server may be associated with the product (or content) D / B, the action point request information, the reward point request information, to use the point operation target product (or content) in the terminal, It is preferable to confirm affiliate point request information, advertisement point request information, marketing point request information, and the like.

Thereafter, the server corresponds to the identified at least one or more pieces of point request information (eg, action point request information, reward point request information, affiliate point request information, advertisement point request information, marketing point request information, etc.) and corresponding to the client. And a user interface for selecting a predetermined client point to be exhausted in using the point management target product (or content) among a plurality of client points (eg, action point, reward point, affiliate point, advertisement point, marketing point, etc.). A point selection interface screen is generated (or extracted) (1610), and the generated (or extracted) point selection interface screen is provided to the terminal through the network means (1615).

Upon receiving the point selection interface screen, the terminal checks whether predetermined point selection information is input (or selected) through the point selection interface screen (1620). If input (or selected) (1625), the terminal transmits the input (or selected) point selection information to the server (1630) via the network means.

Thereafter, the server checks the validity of the client point confirming that the point value corresponding to the point request information is accumulated in the client point corresponding to the received point selection information in association with the point D / B 1550. (1635).

According to an embodiment of the present invention, if the client point corresponding to the point selection information is an action point, the server corresponds to the action point information stored in association with the client information in the point D / B 1550. By confirming that an action point value includes a point value corresponding to action point request information associated with the point operation target product (or content) information, the client operates the point through an action point corresponding to the point selection information. It is desirable to check whether the target product (or content) is available.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a reward point, the server corresponds to the reward point information stored in association with the client information in the point D / B 1550. By checking whether the reward point value to be included includes a point value corresponding to the reward point request information associated with the point operation target product (or content) information, so that the client receives the point through the reward point corresponding to the point selection information. It is desirable to check whether the target product (or content) is available.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an alliance point, the server attaches to the alliance point information stored in association with the client information in the point D / B 1550. By checking whether the corresponding affiliate point value includes the point value corresponding to the affiliate point request information associated with the point operation target product (or content) information, the client transmits the data through the affiliate point corresponding to the point selection information. It is desirable to check whether the point management target product (or content) is available.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an advertisement point, the server may be configured to the advertisement point information stored in association with the client information in the point D / B 1550. By checking whether the corresponding advertisement point value includes a point value corresponding to the advertisement point request information associated with the point operation target product (or content) information, the client sends the advertisement point to the advertisement point corresponding to the point selection information. It is desirable to check whether the point management target product (or content) is available.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a marketing point, the server is connected to the marketing point information stored in association with the client information in the point D / B 1550. By confirming that the corresponding marketing point value includes the point value corresponding to the marketing point request information associated with the point operation target product (or content) information, the client sends a marketing point corresponding to the point selection information. It is preferable to check whether the point management target product (or content) is available.

If the validity of the client point corresponding to the point selection information is not authenticated (eg, the client cannot use the point management target product (or content) through the client point corresponding to the point selection information). 1640, the server repeats the process of requesting the client terminal 1500 to select another client point.

According to another exemplary embodiment of the present invention, when the validity of the client point corresponding to the point selection information is not authenticated, the server is charged with the client through the currency exchange server 1560 shown in FIG. It is possible to request to exchange a monetary value into a client point corresponding to the point selection information, whereby the present invention is not limited.

On the other hand, if the validity of the client point corresponding to the point selection information is verified as a result of the checking (for example, if the client can use the point management target product (or content) through the client point corresponding to the point selection information) In operation 1645, the server exhausts the point value corresponding to the point request information among the point values accumulated in the client point corresponding to the point selection information.

According to an embodiment of the present invention, if the client point corresponding to the point selection information is an action point, the server corresponds to the action point information stored in association with the client information in the point D / B 1550. By operating the point value through the point service unit 1515 in the client terminal 1500 by exhausting the point value corresponding to the action point request information processed in association with the point operation target product (or content) information among the action point values. It is preferable to process so that a target product (or content) can be used.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a reward point, the server corresponds to the reward point information stored in association with the client information in the point D / B 1550. The point value corresponding to the reward point request information processed in association with the point operation target product (or content) information among the reward point values to be used is exhausted, so that the point is provided through the point service unit 1515 in the client terminal 1500. It is preferable to process so that an operation target product (or content) can be used.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an alliance point, the server attaches to the alliance point information stored in association with the client information in the point D / B 1550. By using the point service unit 1515 in the client terminal 1500 by exhausting the point value corresponding to the cooperation point request information associated with the point operation target product (or content) information among the corresponding cooperation point values. It is desirable to process the product (or content) to be used for the point operation.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is an advertisement point, the server may be configured to the advertisement point information stored in association with the client information in the point D / B 1550. By exhausting the point value corresponding to the advertisement point request information associated with the point operation target product (or content) information among the corresponding advertising point value, the client terminal 1500 via the point service unit 1515 It is desirable to process the product (or content) to be used for the point operation.

According to another exemplary embodiment of the present invention, if the client point corresponding to the point selection information is a marketing point, the server is connected to the marketing point information stored in association with the client information in the point D / B 1550. By using the point service unit 1515 in the client terminal 1500 by exhausting the point value corresponding to the marketing point request information associated with the point operation target product (or content) information among the corresponding marketing point values. It is preferable to process so that the said point operation target product (or content) can be used.

If it is confirmed that the point value corresponding to the point request information is exhausted among the point values accumulated in the client point corresponding to the point selection information (1650), the server may perform the point operation target product (or By providing the content, the terminal allows the terminal to use the point management target product (or content) (1655).

17 is a diagram illustrating a point operation system configuration according to another embodiment of the present invention.

In more detail, FIG. 17 illustrates at least one or more points (eg, action points, reward points, affiliate points, or advertisement points) accumulated to a given client through the web server 105 system shown in FIG. Marketing points, etc.), and / or at least one or more points (e.g., action points, reward points, affiliate points, advertising points, or marketing points exchanged to a given client through the exchange processing system shown in FIG. 8). And a point operating system using a predetermined product (or content) based on a combination of at least two points corresponding to the above), and a person of ordinary skill in the art to which the present invention pertains to FIG. Reference and / or modifications to various implementations of the point operating system configuration. It may be ugly, but the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 17, the point operating system may be configured to provide a client to a predetermined client through a client terminal having a browser program for operating the point, and a web server 105 system shown in FIG. 1 in association with the client terminal. At least one or more points (e.g., action points or reward points, or affiliate points, or advertisement points, or marketing points, etc.) earned and / or exchanged to a given client through an exchange processing system shown in FIG. Point operation server that uses a predetermined product (or content) based on at least two or more points combinations corresponding to at least one or more points (eg, action points, reward points, affiliate points, advertisement points, marketing points, etc.). Characterized in that comprises a.

The client terminal is a desktop computer having at least one web browser for accessing the point operation server based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. And / or a wired terminal including at least one notebook, and / or operating the point based on a code division multiple access (CDMA) based wireless communication function and the wireless communication function. A mobile communication terminal (eg, a Personal Communication System (PCS) having a CDMA-based wireless modem needle and / or a GSM) having at least one browser for accessing a server to receive a browsing-based wireless web service. Global System for Mobile communications terminal and / or personal digital cellular terminal (Pe) rsonal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smartphones and / or Telematics, etc., and / Or a portable Internet terminal (eg, IEEE 802.16x) having an IEEE 802.16x based wireless communication function and at least one browser for accessing the point operation server based on the wireless communication function to receive a browsing-based wireless web service. Personal communication terminals (PCS) and / or personal digital assistants (PDAs) and / or smart phones and / or telematics and / or portable Internet terminals equipped with a wireless modem chip; and And / or the laptop), and / or the wireless communication function based on the IEEE 802.11x and the wireless communication function based on the wireless communication function to access the point operation server. Wireless LAN including at least one wireless LAN terminal (e.g., a desktop computer and / or notebook computer having an IEEE 802.11x-based wireless modem chip) having at least one browser for receiving a web service. Characterized in that it comprises a terminal.

According to an embodiment of the present invention, it is preferable that the client terminal including the desktop computer and / or the notebook connect to the point operating server through a predetermined network means including the TCP / IP based wired communication network, and And / or the client terminal including the mobile communication terminal is preferably connected to the point operating server through a predetermined network means including a CDMA based wireless communication network, and / or the client terminal comprising the portable internet terminal. It is preferable to access the point management server through a predetermined network means including an IEEE 802.16x based wireless communication network, and / or the client terminal including the WLAN terminal comprises an IEEE 802.11x based wireless communication network. The point through a predetermined network means To connect to the server for being preferred.

According to the present invention, the point operation server is characterized in that it comprises the electronic money D / B and the point D / B shown in Figures 1 and / or 8 or in conjunction with the processing.

According to the present invention, the point management server, at least one or more point management target product (or content) information and at least two or more point combination information for using the point management target product (or content) by cooperatively storing It is characterized by comprising a product (or content) D / B, or by performing a cooperative process.

Here, the point management target product (or content) information, at least two of the at least one or more products (or content) available through the point management server, which is accumulated through the web server 105 system shown in Figure 1 A combination of one or more points (eg, action point or reward point, or affiliate point, or advertisement point, or marketing point), or at least two or more points (eg, action point) exchanged through the exchange processing system shown in FIG. Or reward points, affiliate points, advertisement points, or marketing points).

According to an exemplary embodiment of the present invention, the point combination information may include at least two or more types of points required for using a predetermined point operation target product (or content) and a point value corresponding to each point type. .

For example, in order to use a certain point operation target product (or content), action point 10 and reward point 15 are combined, reward point 10 and affiliate point 20 are combined, affiliate point 10 and advertisement point 25 are combined, Or it may be required to combine the advertising point 10 and marketing point 30.

By setting a point combination required to use a specific point operation target product (or content) as described above, at least one or more points (eg, action points) accumulated through the web server 105 system shown in FIG. , Or reward points, or affiliate points, or advertisement points, or marketing points, or the like, or at least one or more points (eg, action points, reward points, or affiliate points exchanged through the exchange processing system shown in FIG. 8). , Or advertising points, or marketing points, etc.) to promote the active use of the web service by the client to accumulate specific points.

According to the present invention, the point management server is characterized in that it comprises a web interface for connecting and managing the communication channel for the point operation through at least one or more client terminals and a predetermined network means.

According to an embodiment of the present invention, when the client terminal is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the web interface unit is based on the Hyper-Text Transfer Protocol (HTTP) protocol with the client terminal. Connects a predetermined communication channel, and transmits and outputs a point selection interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal through the communication channel, and outputs the same from the client terminal. It is preferable to perform a function of receiving and processing predetermined point selection information selected (or input) through the point selection interface screen.

According to another exemplary embodiment of the present invention, when the client terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit may be connected to the client terminal with a wireless application protocol (WAP) and / or a mobile device (ME). Connect a predetermined communication channel based on the Explorer protocol, and transmit a point selection interface screen and / or an information providing screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal through the communication channel. Outputting and receiving processing of predetermined point selection information corresponding to the point selection interface screen from the client terminal.

According to another exemplary embodiment of the present invention, when the client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit wirelessly corresponds to the IEEE 802.16x standard with the client terminal. A predetermined communication channel is connected based on a protocol, a predetermined point selection interface screen and / or an information providing screen is transmitted to the client terminal through the communication channel, and output. Preferably, the web interface unit is configured to perform a function of receiving and processing corresponding predetermined point selection information, and / or when the client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. Client terminal and the IEEE 802.11x specification Connects a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmits and outputs a predetermined point selection interface screen and / or information providing screen to the client terminal through the communication channel, and selects the point from the client terminal It is preferable to perform a function of receiving and processing predetermined point selection information corresponding to the interface screen.

According to the present invention, the point management server, in connection with the web interface unit point service to use at least one or more point management target products (or content) stored in the product (or content) D / B at the client terminal It is characterized by comprising a part.

If the person skilled in the art (for example, Point Mall operator), the point service unit via the network means at least one or more point management target product (or content) to the client terminal Since it will be familiar with the technical features to be used in, a detailed description thereof will be omitted for convenience.

Referring to FIG. 17, in the process of allowing the point service unit to use at least one or more point operation target products (or contents) stored in the product (or content) D / B, in at least one or more client terminals. An information confirmation unit confirming point combination information for using the point management target product (or content) in the client terminal in association with the product (or content) D / B, and at least confirmed by the information confirmation unit. Generating (or extracting) a point selection interface screen including one or more point combination information and a user interface for selecting predetermined point combination information for using the point management target product (or content) in the client terminal; Provided to the client terminal through an interface unit Is an interface providing unit, an information receiving unit receiving point selection information for using the point management target product (or content) from the client terminal, and point selection information received through an information receiving unit in association with the point D / B. A point confirming unit for confirming that a point value corresponding to the point combination information is accumulated in at least two client points corresponding to the at least two client points corresponding to the point selection information. When it is confirmed that the corresponding point value has been accumulated, a point processing unit for processing to make the point operation target product (or content) available through at least two or more client points corresponding to the point selection information It shall be.

The information checking unit may perform the product (or content) D in the process of allowing the point service unit to use at least one or more point management target product (or content) stored in the product (or content) D / B in at least one or more client terminals. It is characterized in that for identifying the point combination information including at least one or more for using the point management target product (or content) in the client terminal in conjunction with / B.

When the point confirming information including at least one or more pieces for using the point management target product (or content) is confirmed by the information confirming unit, the interface providing unit includes at least one or more identified by the information confirming unit. Generating (or extracting) a point selection interface screen including point combination information including a user interface and a user interface for selecting predetermined point combination information for using the point management target product (or content) in the client terminal; It is characterized by providing to the client terminal through an interface unit.

The client terminal provided with the point selection interface screen selects (or inputs) point selection information corresponding to predetermined point combination information for using the point management target product (or content) through the point selection interface screen. And the selected (or input) point selection information to the point operation server through the network means.

The information receiving unit receives point selection information corresponding to a predetermined client point for using the point management target product (or content) among the action point, reward point, affiliate point, advertisement point, and marketing point from the client terminal. And the received point selection information to the point confirmation unit.

The point confirming unit checks that the point value corresponding to the corresponding point combination information is accumulated in at least two or more client points corresponding to the point selection information received through the information receiving unit in association with the point D / B.

According to an embodiment of the present invention, when the point combination information corresponding to the point selection information includes an action point among the client points, the point confirmation unit is an action stored in association with the client information in the point D / B. By confirming that the action point value corresponding to the point information includes the point value corresponding to the point combination information, the client may perform the point operation target product through the action point corresponding to the point combination information included in the point selection information ( Or content).

According to another embodiment of the present invention, if the reward point of the client points is included in the point combination information corresponding to the point selection information, the point checking unit is stored in association with the client information in the point D / B. By confirming that the reward point value corresponding to the reward point information includes the point value corresponding to the point combination information, the client applies the point management target product through the reward point corresponding to the point combination information included in the point selection information. It is desirable to check whether or not (or content) is available.

According to another exemplary embodiment of the present invention, when the point combination information corresponding to the point selection information includes an affiliate point among the client points, the point checking unit is stored in association with the client information in the point D / B. By checking whether the affiliate point value corresponding to the affiliate point information that is included includes the point value corresponding to the point combination information, the client can operate the point through the affiliate point corresponding to the point combination information included in the point selection information. It is desirable to check whether a product (or content) is available.

According to another exemplary embodiment of the present invention, when the point combination information corresponding to the point selection information includes an advertisement point among the client points, the point confirmation unit is stored in association with the client information in the point D / B. By checking whether the advertisement point value corresponding to the advertisement point information includes the point value corresponding to the point combination information, the client can operate the point through the advertisement point corresponding to the point combination information included in the point selection information. It is desirable to check whether a product (or content) is available.

According to another embodiment of the present invention, if the point combination information corresponding to the point selection information includes a marketing point among the client points, the point confirmation unit is stored in association with the client information in the point D / B. By checking whether the marketing point value corresponding to the marketing point information includes the point value corresponding to the point combination information, the client applies the point through the marketing point corresponding to the point combination information included in the point selection information. It is desirable to check whether a product (or content) is available.

If the check result indicates that the client cannot use the point management target product (or content) through the client point included in the point combination information corresponding to the point selection information, the point checking unit may be the client terminal through the interface providing unit. Requesting to select different point combination information, or the client including the electronic money value charged to the client through the currency exchange server 805 shown in FIG. 8 in the point combination information corresponding to the point selection information. It is advisable to request to exchange points.

On the other hand, if the client can use the point management target product (or content) through the client point included in the point combination information corresponding to the point selection information, the point processing unit points corresponding to the point selection information. By exhausting the point value corresponding to the corresponding point combination information among the respective point values accumulated in at least two or more client points included in the combination information, the client terminal to the product (or content) for the point operation target through the point service unit It is characterized by processing so that it can be used.

According to an embodiment of the present invention, if a client point included in the point combination information corresponding to the point selection information includes an action point, the point processing unit is stored in association with the client information in the point D / B. By processing the action point value included in the point combination information among the action point values corresponding to the action point information, the client terminal can use the point service target product (or content) through the point service unit. It is preferable.

According to another embodiment of the present invention, if the client point included in the point combination information corresponding to the point selection information includes a reward point, the point processing unit is processed in association with the client information at the point D / B. By processing the reward point value included in the point combination information among the reward point values corresponding to the stored reward point information, the client terminal can use the point operation target product (or content) through the point service unit. It is desirable to.

According to another exemplary embodiment of the present invention, if the client point included in the point combination information corresponding to the point selection information includes an affiliate point, the point processing unit performs cooperative processing with the client information at the point D / B. By exhausting the affiliate point value included in the point combination information among the affiliate point values corresponding to the stored affiliate point information, the client terminal can use the point management target product (or content) through the point service unit. It is preferable to process.

According to another exemplary embodiment of the present invention, if the client point included in the point combination information corresponding to the point selection information includes an advertisement point, the point processing unit associates with the client information at the point D / B. By exhausting the advertising point value included in the point combination information among the advertising point values corresponding to the stored advertising point information, the client terminal can use the point management target product (or content) through the point service unit. It is desirable to treat it as such.

According to another exemplary embodiment of the present invention, if a client point included in the point combination information corresponding to the point selection information includes a marketing point, the point processing unit performs cooperative processing with the client information at the point D / B. By exhausting the marketing point value included in the point combination information among the marketing point values corresponding to the stored marketing point information, the client terminal can use the point management target product (or content) through the point service unit. It is preferable to process.

18 is a diagram illustrating a point operation process according to another exemplary embodiment of the present invention.

More specifically, Figure 18 shows at least one or more points (e.g., action points, reward points, affiliate points, or advertising points, or points earned to a given client through the web server 105 system shown in Figure 1, or Marketing points, etc.), and / or at least one or more points (e.g., action points, reward points, affiliate points, advertising points, or marketing points exchanged to a given client through the exchange processing system shown in FIG. 8). And a point operation process using a predetermined product (or content) based on a combination of at least two or more points corresponding to one or more points, and a person skilled in the art to which the present invention pertains may refer to FIG. And / or modify it to infer various implementation methods for the point operation process. And, the invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 18.

In the following figure 18, the client terminal on the point operating system shown in FIG. 17 is referred to as "terminal" for convenience, and the point operating server on the point operating system shown in FIG. 17 is called "server" for convenience.

Referring to FIG. 18, the terminal connects to the server using a predetermined network means, and a predetermined point operation target product (or content) is transmitted to the server according to a point operation target product (or content) using procedure defined in the server. Content) request for use (1800), and in response, the server associates with the requested point operation target product (or content) in association with the product (or content) D / B shown in FIG. The above point combination information is confirmed (1805).

Thereafter, the server selects the point combination information including the identified at least one point combination information and predetermined client points to be exhausted in using the point operation target product (or content) among the point combination information. A point selection interface screen including the terminal is generated (or extracted) (1810), and the generated (or extracted) point selection interface screen is provided to the terminal through the network means (1815).

Upon receipt of the point selection interface screen, the terminal determines whether predetermined point selection information is input (or selected) through the point selection interface screen (1820). If input (or selected) (1825), the terminal transmits the input (or selected) point selection information to the server (1830) via the network means.

Subsequently, the server checks that the client value included in the point combination information corresponding to the received point selection information is accumulated in the point value corresponding to the point combination information in association with the point D / B. Validate (1835).

According to an embodiment of the present invention, if the action point among the client points is included in the point combination information corresponding to the point selection information, the server performs an action stored in association with the client information in the point D / B. By confirming that the action point value corresponding to the point information includes the point value corresponding to the point combination information, the client may perform the point operation target product through the action point corresponding to the point combination information included in the point selection information ( Or content).

According to another exemplary embodiment of the present invention, if a reward point of the client points is included in the point combination information corresponding to the point selection information, the server is associated with the client information in the point D / B and stored in the reward. By checking whether the reward point value corresponding to the point information includes the point value corresponding to the point combination information, the client may perform the point operation target product through the reward point corresponding to the point combination information included in the point selection information ( Or content).

According to another exemplary embodiment of the present invention, when the point combination information corresponding to the point selection information includes an affiliate point among the client points, the server is stored in association with the client information in the point D / B. By confirming that the affiliate point value corresponding to the affiliate point information includes the point value corresponding to the point combination information, the client applies the point management target product through the affiliate point corresponding to the point combination information included in the point selection information. It is desirable to check whether or not (or content) is available.

According to another exemplary embodiment of the present invention, when the point combination information corresponding to the point selection information includes an advertisement point among the client points, the server is stored in association with the client information in the point D / B. By confirming that the advertisement point value corresponding to the advertisement point information includes the point value corresponding to the point combination information, the client can operate the product through the advertisement point corresponding to the point combination information included in the point selection information. It is desirable to check whether or not (or content) is available.

According to another exemplary embodiment of the present invention, if a marketing point of the client points is included in the point combination information corresponding to the point selection information, the server is stored in association with the client information in the point D / B. By confirming that the marketing point value corresponding to the marketing point information includes the point value corresponding to the point combination information, the client applies the point management target product through the marketing point corresponding to the point combination information included in the point selection information. It is desirable to check whether or not (or content) is available.

If the verification result is that the validity of the client point included in the point combination information corresponding to the point selection information is not authenticated (for example, the client includes at least two or more clients included in the point combination information corresponding to the point selection information). If the point operation target product (or content) is not available through a point) (1840), the server repeats the process of requesting the client terminal to select another client point.

According to another exemplary embodiment of the present invention, when the validity of the client point included in the point combination information corresponding to the point selection information is not authenticated, the server passes through the exchange processing server 805 shown in FIG. It is possible to request the client to exchange the charged electronic money value into a client point corresponding to the point selection information, whereby the present invention is not limited.

On the other hand, if the validity of the client point included in the point combination information corresponding to the point selection information is authenticated (for example, the client selects at least two or more client points included in the point combination information corresponding to the point selection information). The point management target product (or content) can be used) (1840), the server may provide the corresponding point combination information among at least two client points included in the point combination information corresponding to the point selection information. Exhaust the value of the point corresponding to (1845).

According to an embodiment of the present invention, if a client point included in the point combination information corresponding to the point selection information includes an action point, the server is stored in association with the client information at the point D / B. By depleting the action point value included in the point combination information among the action point values corresponding to the action point information that is present, the client terminal can process the point operation target product (or content) through the point service unit. desirable.

According to another exemplary embodiment of the present invention, if a client point included in the point combination information corresponding to the point selection information includes a reward point, the server is processed in association with the client information at the point D / B and stored. By processing the reward point value included in the point combination information among the reward point value corresponding to the reward point information, the client terminal can use the point management target product (or content) through the point service unit. It is preferable.

According to another exemplary embodiment of the present invention, if a client point included in the point combination information corresponding to the point selection information includes an affiliate point, the server is processed in association with the client information at the point D / B. By using the affiliate point value included in the point combination information among the affiliate point values corresponding to the stored affiliate point information, the client terminal can use the point service target product (or content) through the point service unit. It is desirable to.

According to another exemplary embodiment of the present invention, if the client point included in the point combination information corresponding to the point selection information includes an advertisement point, the server is processed in association with the client information at the point D / B. The advertisement point value included in the point combination information among the advertisement point values corresponding to the stored advertisement point information is exhausted so that the client terminal can use the point management target product (or content) through the point service unit. It is desirable to.

According to another exemplary embodiment of the present invention, if a client point included in the point combination information corresponding to the point selection information includes a marketing point, the server is processed in association with the client information at the point D / B. By processing the marketing point value included in the point combination information among the marketing point values corresponding to the stored marketing point information, the client terminal can use the point operation target product (or content) through the point service unit. It is desirable to.

If it is confirmed that at least two or more client point values included in the point combination information among the point values accumulated in the client points corresponding to the point selection information are exhausted (1850), the server operates the points through the network means. By providing a target product (or content), the terminal to use the point management target product (or content) (1855).

According to the present invention, points earned to the client are classified into action points, reward points, affiliate points, advertisement points, marketing points, etc. according to the client's actions, and points corresponding to the respective client actions are earned to the client. By doing so, there is an advantage of inducing the client to be interested in earning points.

According to the present invention, there is an advantage of inducing the client to actively participate in the point exhaustion by differentiating the point request value that can be used corresponding to at least one or more point operation target products (or contents).

According to the present invention, by requesting a combination of points that can be used corresponding to at least one or more point management target product (or content), a variety of points for the client to earn various points for using the point management target product (or content) There is an advantage in inducing a form of action.

According to the present invention, the value charged in the electronic money is set in various ways by differentiating and setting the exchange point weight between the action point, the reward point, the affiliate point, the advertisement point and the marketing point accumulated in the client and the electronic money charged by the client. There is an advantage to be able to consume.

Claims (6)

Differentiating the exchange weight information between the electronic money used in a specific website and two or more types of points divided by customer behavior on the specific website for each type of point corresponding to the point of use and storing the information in a storage medium; ; Receiving point selection target point selection information to be exchanged through a customer-owned electronic money from the customer terminal when the customer uses the point on the specific website; Confirming the type of the selected exchange request target point in association with the storage medium (or storage medium operating means) in the information checking means, and confirming the exchange weight information between the identified point type and the electronic money; And And converting the electronic money value into the selected point value by applying the identified exchange weight in the currency exchange means. Information storage means for storing exchange weight information between electronic money used in a specific website and two or more kinds of points divided by customer behavior in the specific website in a storage medium; When the customer requests the exchange of the electronic money owned by the customer to a specific point, after confirming the exchange weight information between the specific point of the exchange request target point and the electronic money in connection with the storage medium (or storage medium operating means), the confirmed exchange And an exchange means for exchanging the electronic money value to the specific point value by applying a weight. The method of claim 2, wherein the two or more types of points are Points earned in response to the customer's participation in the specific website, Points accumulated in response to the purchase activity of the customer on the specific website, Points earned by providing to the customer from affiliates affiliated with the particular website, Points earned in response to ad exposure on the particular website for the customer; Electronic money and point linkage system characterized in that it comprises at least one or more points accumulated in response to the marketing activity of the customer on the specific website. The method of claim 2, Electronic point and point linking system, characterized in that the point further comprises a point operating means for processing the point use request by applying a different point request value for each point type, when the customer requests the use of the point on the specific website. The method of claim 2, Electronic point and point linking system, characterized in that the point further comprises a point processing means for processing the point use request through a combination of two or more points, not a single point when the customer requests the point use on the specific website. A recording medium comprising a program for executing the function of the system constituting means of any one of claims 2, 4 or 5.

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