KR20000054667A - Alternative billing system based on network and method operating the same - Google Patents

Abstract

PURPOSE: A network-based transfer paying system is provided to have or utilize integrated cyber-moneys capable of paying amounts on/off lines by using services of on/off-line joined companies, and accumulate cyber-moneys received according to a discount rate of the companies in a previous integrated money, when paid by on/off-line integrated cyber-money. CONSTITUTION: In a system, using free or charged information supplied by cooperated servers connected to servers of user terminals, a network-based transfer paying system comprises an integrated cyber-money managing server(40) and many cooperated servers(30). The integrated cyber-money managing server(40) manages integrated cyber-moneys received by cooperated companies and paid to cooperated servers by downloading a server integrating cyber-money managing module, communicating with built-in a main integrated cyber-money managing module, to cooperated servers, and transmits webpages made by hyperlink units of cooperated servers into users for a communication connection. The cooperated servers(30) builds the server integrating cyber-money managing module downloaded from the managing server, transmits integrated cyber-money paid according to using service information and requests settlement for charged service information, to the integrated cyber-money managing server via communication networks.

Description

Alternative billing system based on network and method operating the same}

The present invention relates to a network-based alternative payment system and its operation method.

More specifically, by forming an integrated cyber money that can be paid for payment on-line or off-line, and using services provided by all affiliated companies online or offline, the integrated cyber money can be obtained or used as payment price. The present invention relates to a network-based alternative payment system and a method of operating the same.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, in recent years, as part of the business through the Internet, various contents such as Internet advertising, Internet broadcasting, online games, Internet newspapers / magazines, search services, portal services, electronic commerce, etc. are provided. Sites are growing rapidly.

As mentioned above, the rapidly increasing sites mostly pay prizes or cyber money to users who have a communication connection. The above-mentioned cyber money is paid when a user clicks on a predetermined advertisement information through a site where a communication connection is made or when a user plays a game such as a quiz, and the above-mentioned cyber money is continuously accumulated by the site, and the user information And are stored on the server.

The accumulated and stored cyber money is used as a payment means to pay a predetermined percentage of the purchase price to the cyber money when a predetermined product is purchased through e-commerce performed on the corresponding site.

However, the above-mentioned cyber money is a service that can be consumed only in the paid site, so its use is limited, and even though it is its own interest, there is a problem that it cannot be freely used.

An object of the present invention is to form an integrated cyber money that can be paid for payment on-line or off-line to solve the above-mentioned problems, and to use the integrated cyber money by using the services provided by all companies affiliated on-line or off-line A network-based alternative payment system for acquiring or making payment available, and a method of operating the same and a recording medium encoding and recording a program source for the alternative payment method is provided.

In addition, an object of the present invention is a network-based alternative payment system that accumulates in the existing integrated cyber money by paying the integrated cyber money according to the discount rate of the partner when the user pays the price using the integrated cyber money online or offline And a recording medium encoding and recording a program source for the operation method and the alternative payment method.

In addition, an object of the present invention is to enable the user to perform the authentication process through a coupon or voice message to enable the user to use the integrated cyber money stored in correspondence with the user's user information offline, receipt via facsimile or e-mail It provides a network-based alternative payment system and a method of operating the same and a recording medium encoding and recording a program source for the alternative payment method.

1 is a view for explaining a network-based alternative payment system according to the present invention,

2 conceptually illustrates a configuration of an integrated cyber money management server applied to FIG. 1;

3 is an operation flowchart for explaining a method of operating a network-based alternative payment system according to the present invention;

4 to 8 are flowcharts illustrating operations of each subroutine applied to FIG. 3 in more detail.

* Description of Signs of Main Parts of Drawings *

10: network communication network 20: bank server

30: Affiliate Server 40: Integrated Cyber Money Management Server

50 (1) to 50 (N): user terminal

In order to achieve the above object, the system of the present invention provides a server in which a user is connected to a server in affiliation relationship with a server in which a user makes a communication connection with a predetermined server using a user terminal, and then provides a server in an affiliation relationship. In the system that makes information available for free or for a fee, it is equipped with the main integrated cyber money management module and downloads the sub integrated cyber money management module that communicates with the main integrated cyber money management module to the affiliated server. It manages the integrated cyber money paid by the affiliated server or the integrated cyber money paid by the affiliated server, and hyperlinks of the affiliated servers to enable the user to establish a communication connection to the affiliated server. Web pages made by means to users The integrated cyber money management server to be transmitted and the sub-integrated cyber money management module transmitted from the integrated cyber money management server are downloaded and mounted according to the request of the server operator, and the user makes a communication connection through the integrated cyber money management server. In the case of using the service information in the state, the integrated cyber money is paid according to the service information, and the paid integrated cyber money is transmitted to the integrated cyber money management server through a network communication network, and when the user wants to receive the service information for a fee The integrated cyber money management server includes a plurality of affiliate servers that perform a purchase payment request.

In addition, the method of the present invention for achieving the above object, (1) to form a partnership with the integrated cyber money management server, and to receive the payment for the service using the integrated cyber money generated in the integrated cyber money management server, Performing a routine for recruiting servers that want to pay the integrated cyber money to the user when using the service; and (2) a routine for establishing a communication connection to the integrated cyber money management server using the communication program installed in the user terminal. And (3) performing routines for acquiring the integrated cyber money using the services provided by the integrated cyber money management server or the affiliate server, and (4) using the obtained integrated cyber money. Paid service information provided by integrated cyber money management server or affiliate server If you receive the ball a purchase involves a process of using an integrated cyber money to perform a routine for the payment.

In order to achieve the above object, the recording medium of the present invention may read a program that enables a computer to purchase a service or a product that is provided for a fee using cyber money paid when using a predetermined service on a website registered on the Internet. In the storage media encoded and recorded, (A) when the user performs a communication connection to the integrated cyber money management server and is registered as a full member, the integrated cyber money is paid, the integrated cyber money is obtained, or the acquired integrated cyber is obtained. A web page that transmits a web page including a menu item for linking to a server capable of purchasing a paid service or product using a money to a user terminal, and a sub-integrated cyber money management processor to the linked server. Providing a processor, and (B) the web page If you select a menu item that corresponds to a server, you can retrieve the address information of the server, send the initial web page provided by the server to your terminal, and maintain communication with the server's sub-integrated cyber money management processor. The integrated cyber money management processor that changes the user's integrated cyber money information, and (C) the integrated cyber money corresponding to the payment amount to the server to which the user is currently connected in response to the payment request signal input from the integrated cyber money management processor. It includes a payment processor for paying money.

In the following invention, at least one user terminal equipped with a web browser is connected to a wired / wireless network communication network, and the same cyber money can be used in a server affiliated on a website accessible through the wired / wireless network communication network. The alternative payment system and its operation method while the integrated cyber money management server is connected will be described as a preferred embodiment, but the technical idea of the present invention is not limited thereto and can be variously modified and implemented by those skilled in the art. Of course.

In addition, the preferred embodiment of the present invention includes embodiments such as a computer system and a computer program product programmed to execute the method of the present invention. In accordance with an embodiment of a computer system, a set of instructions for carrying out a method resides in one or more memories (RAM), which sets the instruction set to another computer memory in a disk drive, for example, until needed by the computer system. It can be stored as a computer program product.

1 is a view for explaining a network-based alternative payment system according to the present invention, Figure 2 is a diagram conceptually showing the configuration of the integrated cyber money management server applied to FIG.

As shown in FIG. 1, the network communication network 10 includes a wired / wireless communication network, and affiliated servers 30 (1) to 30 (unspecified number of users are affiliated with the integrated cyber money management server 40). N)) after the communication connection to use the various services provided from the server using the integrated cyber money that is paid to use the paid service or to purchase the product to pay the price.

The integrated cyber money management server 40 is equipped with a main integrated cyber money management module, and the sub-integrated cyber money management module that communicates with the main integrated cyber money management module described above is downloaded to a server in affiliation relationship. It manages the integrated cyber money paid by the server in the server or the integrated cyber money paid to the affiliated server, and consists of hyperlink means of the servers of the affiliated server so that the user can establish a communication connection to the affiliated server. Send a web page to the user.

The plurality of affiliated servers 30 (1) to 30 (N) download and mount the sub-integrated cyber money management module transmitted from the integrated cyber money management server 40 at the request of the server operator, and the user integrates the cyber money. When using the service information in the communication connection through the management server 40, the integrated cyber money is paid according to the service information, the paid integrated cyber money is integrated cyber money management server 40 through the network communication network (10) If the user wants to receive the service information for a fee, the purchase price payment request is made to the integrated cyber money management server 40 according to the user's request.

The bank server 20 opens a bank account using the user information provided from the integrated cyber money management server 40, and uses the integrated cyber money information provided from the integrated cyber money management server 40 to the bank account. Update the recorded information.

The integrated cyber money management server 40 includes the detailed components as shown in FIG. 2, which will be described in more detail as follows.

The affiliate server information DB 41 stores information of servers 30 (1) to 30 (N) associated with the integrated cyber money management server 40.

The user information and cyber money information DB 42 stores user information, and stores cyber money information updated by the integrated cyber money paid or paid by the integrated cyber money management server and servers in affiliation relationship. have.

The affiliate server management module 43 stores the information input from the affiliate servers 30 (1) to 30 (N) in the affiliate server information DB 41, and at the affiliate server information DB 41 at the user's request. The affiliated servers are connected to the user terminals 50 (1) to 50 (N) by using the stored affiliated server information.

The user information management module 44 updates the user information and the cyber money information DB 42 by using the user information input according to user registration or user information change, and uses the login information input by the user. Check if the user is a registered member.

When the main integrated cyber money management module 45 is registered as a member through the user information management module 44, the predetermined integrated cyber money is paid to the user and stored in the user information and the cyber money information DB 42. Cyber money information stored in the user information and cyber money information DB 42 and cyber transmitted to the bank server 20 through communication with the sub-integrated cyber money management module mounted on the servers 30 (1) to 30 (N). Manage your money information.

The payment management module 46 transmits a payment signal to the bank server 20 in response to a user's payment request signal or a payment request signal from the affiliate servers 30 (1) to 30 (N), and pays for the payment. After that, according to the integrated cyber money information input from the bank server 20, the integrated cyber money information stored in the user information and the cyber money information DB 42 is updated.

The coupon issuing module 47 issues coupons according to the user's request so that when the user receives a paid service or purchases a product offline, the user can pay using the integrated cyber money.

The operation of the network-based alternative payment system according to the present invention configured as described above will be described in more detail with reference to the accompanying drawings.

First, the operator of the integrated cyber money management server 40 generates the integrated cyber money, determines the exchange rate information for the generated integrated cyber money and the won (\), and allows the operators or users of other servers through the main web page. Make sure you know.

By providing a menu item for forming an alliance on the main web page described above, an affiliation is formed between the integrated cyber money management server 40 and a plurality of servers, and a plurality of servers 30 (in which an alliance is formed) are formed. 1) to 30 (N)) transmit their information online to be stored in the affiliate server information DB 41, and pay for the service using the integrated cyber money generated by the integrated cyber money management server 40. When receiving payment or using the service, the user can pay the integrated cyber money.

On the other hand, the server operator can recruit the servers to maintain the partnership as described above even in the offline state, the information of the servers so recruited by the operator of the integrated cyber money management server 40 is entered into the affiliate server information DB ( 41) (S100).

That is, the operator of the integrated cyber money management server 40 is provided with the affiliate server recruitment menu item on the main web page to recruit servers that can use the integrated cyber money together (S110), the integrated cyber money management server ( When the operator of the servers 30 (1) to 30 (N) making a communication connection to 40 selects the above-mentioned affiliated server recruitment menu item and inputs the information about itself, the integrated cyber money management server 40 The information input from the predetermined servers 30 (1) to 30 (N) to maintain the partnership is made into a DB to form a partnership, and the main web page is provided with hyperlink means of the affiliate server (S120).

The integrated cyber money management server 40 is a main integrated cyber management module of the integrated cyber money management server 40 so that the integrated cyber money can be used together with the servers 30 (1) to 30 (N) in which the partnership is formed. 45) and downloads the sub-integrated cyber money management module that can communicate (S130).

On the other hand, the user performs a routine for establishing a communication connection to the integrated cyber money management server 40 by using a communication program installed in the user terminals 50 (1) to 50 (N) (S200).

That is, the user executes the communication program installed in the user terminals 50 (1) to 50 (N) to perform a communication connection to the integrated cyber money management server 40 (S210), and the integrated cyber money management server 40 In step S220, an initial web page having a window for inputting login information is transmitted to the user terminals 50 (1) to 50 (N).

After the user inputs the login information through the above-described initial web page (S230), it is determined whether the login menu item is selected (S240), and if the user selects the login menu item as a result of the determination, the login information input by the user and the user The information and the user information stored in the cyber money information DB 42 are compared (S250).

As a result of the comparison of the above-described S250 process, it is determined whether the user is registered in the integrated cyber money management server (S260). In the case of the registered user as a result of the determination, the user terminal 50 (1) After transmitting to -50 (N) to be output on the screen (S270), the main web page including the hyperlink means of the affiliated servers 30 (1) to 30 (N) is displayed on the user terminal 50 (1). ) To 50 (N)) to be output on the screen (S280), and if not a registered user, the member registration routine (S290) is performed.

As described above, a user who has made a communication connection to the integrated cyber money management server 40 may use the integrated cyber money management server 40 or a service provided by the affiliated servers 30 (1) to 30 (N). A routine for obtaining money is performed (S300).

That is, when the user clicks on a menu item including the hyperlink means provided in the above-described main web page to establish a communication connection to the desired servers 30 (1) to 30 (N), the predetermined server 30 (1) (N) to 30 (N) transmits a login information input request message to the user, and determines whether the user is a registered member using the input login information (S310).

As a result of the determination in step S310, when the user who has established the communication connection is a registered member, the user provides a service web page so that the user can use the service provided by the server, and uses the predetermined service information on the service web page. The affiliate server 30 (1) to 30 (N) provides the user with the integrated cyber money preset in the service information (S320), and if the user who has made the communication connection is not a registered member, the affiliate registration routine (S290) is performed. Perform.

Of course, as described above, when the user is connected to the affiliate servers 30 (1) to 30 (N) through the integrated cyber money management server 40, the affiliate servers 30 (1) to 30 (N) are connected to the affiliate servers 30 (1) to 30 (N). If the user needs to register, the user does not input directly, but if the user wants to register, the user receives the user information of the user through the integrated cyber money management server 40 and registers it in the user information DB provided therein. There may also be an embodiment.

As described above, when the user is provided with the integrated cyber money from the affiliate servers 30 (1) to 30 (N), the affiliate servers 30 (1) to 30 (N) allow the user to integrate the cyber money management server. It is determined whether the registered member (40) (S330), and transmits the information on the integrated cyber money currently received through the affiliate server (30 (1) to 30 (N)) to the integrated cyber money management server 40 To be remitted to the bank account of the user (S340).

By using the integrated cyber money obtained through the above-described process, the user can receive the paid service information provided by the integrated cyber money management server 40 or the affiliate servers 30 (1) to 30 (N) or purchase a product. In this case, payment can be made using the currency cyber money (S400).

That is, the affiliate server 30 (1) to a user who has made a communication connection to the affiliate servers 30 (1) to 30 (N) through the integrated cyber money management server 40 to receive a paid service or purchase a product. 30 (N) transmits a login information input request message and determines whether the member is a registered member using the input login information (S410).

As a result of the above-described determination in step S410, when the user who has established the communication connection is a registered member, the affiliated servers 30 (1) to 30 (N) indicate that the user who has made the communication connection to the user is the server 30 (1) to 30. (N)) transmits and outputs an initial web page for making various information provided by the user (S420), and performs a member registration routine (S290) when a user who has established a communication connection is not a registered member.

After performing the above-described process, the affiliate servers 30 (1) to 30 (N) determine whether the user uses the service provided for a fee or purchases the product through the initial web page (S430).

As a result of the above-described determination of S430, when the user uses the paid service or purchases the product, the user checks the payment method (S440), and when the user checks the payment with the integrated cyber money, the user uses the integrated cyber money. It is determined whether the member is registered in the management server 40 (S450).

When the user is a member registered in the integrated cyber money management server 40, the payment information is transmitted to the integrated cyber money management server 40 (S460), and the integrated cyber money management server 40 is a bank server 20. Input the request signal so that the payment can be made in cash deposited in the bank account.

Then, the bank server 20 transmits the corresponding amount to the affiliate servers 30 (1) to 30 (N), and the affiliate servers 30 (1) to 30 (N) serve through the bank server 20. When payment is received for use or purchase of a product (S470), if the user is not registered in the integrated cyber money management server, an error message is sent (S510).

On the other hand, if the payment method selected by the user is cash or card payment, the affiliate servers 30 (1) to 30 (N) may enter a card number or direct debit payment account number, such as that made in an e-commerce site. The operation is performed by providing a page (S500).

If a user pays a service usage fee or a product purchase fee using the integrated cyber money, each affiliate server 30 (1) to 30 (N) refunds a certain amount according to each service information or product. Since each affiliate server 30 (1) to 30 (N) may have a discount system, the affiliate server 30 (1) to 30 (N) may determine whether the discount rate is applied to the service information or the product that the user paid for when the payment was made by the user. In operation S480, when the discount rate is applied, the integrated cyber money information corresponding to the discount rate is transmitted to the integrated cyber money management server 40 by the sub-integrated cyber money management module (S490). Correspondingly, the integrated cyber money information stored is updated, and the bank account information of the bank server 20 is also updated.

5, 6, and 7, the registration routine S290 illustrated in FIG. 8 outputs a member registration guide message so that a user can register as a member (S291). In operation S292, it is determined whether the user clicks the join button according to the member registration guide message.

As a result of the above-described determination in step S292, when the user clicks on the join button, the webpage for membership registration is transmitted to the user terminals 50 (1) to 50 (N) (S293), and the user joins the webpage for membership. After inputting the user information, it is determined whether the registration button is clicked (S294).

As a result of the above-described S294 process, when the registration button is clicked by the user, the user information input through the webpage for membership registration is stored in the DB (S295), and an integrated cyber money is issued according to the membership and paid to the user. (S296).

As described above, the user information is stored in the user information DB provided in the server to which the user currently makes a communication connection, and the integrated cyber money paid to the user at the time of membership registration may be differently provided by the respective servers.

In step S296 described above, it is determined whether the main integrated cyber money management module 45 exists in the server that has provided the integrated cyber money to the user (S297), and if the main integrated cyber money management module 45 exists as a result of the determination, the user Since the communication is currently connected to the integrated cyber money management server 40, the received integrated cyber money is stored in correspondence with the user's user information (S298), and the main integrated cyber money management module 45 does not exist. Since the server that the user is currently communicating with is one of the affiliated servers 30 (1) to 30 (N), the received integrated cyber money is transmitted to the main integrated cyber money management server 40 to transmit the user information. Correspondingly, it is stored (S299).

As another embodiment of the present invention, when a user intends to purchase a product using an integrated cyber money in an offline state, the user issues an authentication number using a mobile terminal among the user terminals 50 (1) to 50 (N). The request is made, the integrated cyber money management server 40 receives an authentication number using a WAP or a short message system (SMS), and through an affiliated store that is affiliated with the integrated cyber money management server 40 in an offline state. In the case of presenting the above-mentioned authentication number after purchasing a predetermined product, the above-mentioned merchant manager transmits the above-mentioned authentication number to the above-mentioned integrated cyber money management server 40 to receive payment in cash through the bank server 20. do.

In addition, instead of being provided with the authentication number in the above-described message form, the authentication number may be provided in the form of a coupon. That is, when the user clicks on the coupon issue menu item provided in the main web page of the integrated cyber money management server 40, the integrated cyber money management server 40 outputs image information that can be printed on the screen. The user will be printed and issued with a certification number in the form of a coupon.

When the authentication number of the coupon type is given to the affiliated store manager who purchased the product, the purchase price of the product may be paid in the same manner as the authentication number providing system of the message type.

Accordingly, as described above, according to the present invention, since the user can receive the benefits generated for the user's actions on the network again, the user can be provided with the benefits that he or she gains, and can be used like cash at any time. to provide.

That is, the present invention has a stable structure that can be used as a payment account at any time since the user keeps the integrated cyber money received through the server in a bank account opened through a financial institution such as a bank. It has the effect of being free to use online or offline.

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below It will be appreciated.

Claims (19)

In a system in which a user makes a communication connection to a predetermined server using a user terminal and then connects to a server in affiliation with the server in which the communication is established, so that information provided by the affiliated server can be used free or for a fee. , Equipped with the main integrated cyber money management module, the integrated cyber money to download the sub-integrated cyber money management module that communicates with the main integrated cyber money management module to the affiliated server and pay from the affiliated server or Integrated cyber money that manages integrated cyber money paid to affiliated servers and sends web pages that consist of hyperlinked means of affiliated servers to users so that users can communicate with the affiliated servers. Management server; And Download and mount the sub-integrated cyber money management module transmitted from the integrated cyber money management server according to a request of a server operator, and use the service information when the user uses the service information while making a communication connection through the integrated cyber money management server. In accordance with the payment of the integrated cyber money, the paid integrated cyber money is transmitted to the integrated cyber money management server through the network communication network, and if the user wants to receive the service information for a fee, the purchase price payment to the integrated cyber money management server Network-based alternative payment system comprising a plurality of affiliate servers for performing the request. The method of claim 1, wherein a bank account is opened using user information provided from the integrated cyber money management server, and information recorded in the bank account is stored using integrated cyber money information provided from the integrated cyber money management server. Network-based alternative payment system, characterized in that further comprises a bank server for updating. The method of claim 2, wherein the integrated cyber money management server, An affiliate server information DB that stores information of servers that are affiliated with the integrated cyber money management server; A user information and cyber money information DB for storing user information and storing cyber money information updated by the integrated cyber money paid or paid by the integrated cyber money management server and the servers affiliated with the integrated cyber money management server; An affiliate server management module for storing information input from the affiliate server in the affiliate server information DB and connecting the user terminal and the affiliate server using the affiliate server information stored in the affiliate server information DB according to a user's request; The user information and the cyber money information DB are updated by using the user information input according to user registration or user information change, and user information checking whether the user is a registered member by using the login information input by the user. A management module; And When the user is registered as a member through the user information management module, the predetermined integrated cyber money is paid to the user and stored in the user information and the cyber money information DB, and communication with the sub integrated cyber money management module mounted on the affiliate server is performed. And a main integrated cyber money management module configured to manage cyber money information stored in the cyber money information DB and cyber money information transmitted to a bank server. The method of claim 3, wherein the integrated cyber money management server, In response to the user's payment request signal or the payment request signal from the affiliate server, the payment signal is transmitted to the bank server, and stored in the user information and cyber money information DB according to the integrated cyber money information input from the bank server after the payment is made. The network-based alternative payment system, characterized in that further comprises a payment management module for updating the integrated cyber money information. The method of claim 3, wherein the integrated cyber money management server, In the case of receiving a paid service or purchasing a product offline, the network-based module further comprises a coupon issuing module for issuing a coupon at the request of the user so that the user can pay using the integrated cyber money. Alternative payment system. (1) Recruiting servers that form a partnership with the integrated cyber money management server and want to receive the payment for the service by using the integrated cyber money generated from the integrated cyber money management server or to pay the integrated cyber money to the user when using the service. Performing a routine to perform; (2) a user performing a routine for establishing a communication connection to an integrated cyber money management server using a communication program installed in a user terminal; (3) a user performing a routine for acquiring the integrated cyber money using a service provided by the integrated cyber money management server or the affiliate server; (4) In the case of receiving the paid service information provided by the integrated cyber money management server or the affiliate server using the acquired integrated cyber money or purchasing a product, a routine for making a payment using the currency cyber money is performed. Network-based alternative payment method. The network-based alternative payment method of claim 6, wherein the integrated cyber money is converted into cash and deposited into a user's account opened through a bank server, and payment is made through the bank server. According to claim 6, wherein the affiliate server recruitment routine of the step (1), (1-1) the integrated cyber money management server includes providing an affiliate server recruitment menu item on the main web page to recruit servers that can use the integrated cyber money together; (1-2) forming an affiliate relationship by making DBs of information input from a predetermined server according to the selection of the affiliate server recruitment menu item, and providing a hyperlink means of the affiliate server on a main web page; And (1-3) Downloading the sub-integrated cyber money management module that can communicate with the main integrated cyber management module of the integrated cyber money management server so that the integrated cyber money can be used together with the server where the partnership is formed. Network-based alternative payment method characterized by consisting of. The communication connection routine of claim 6, wherein (2-1) the user executing a communication connection to the integrated cyber money management server by executing a communication program installed in the user terminal; (2-2) the integrated cyber money management server transmitting an initial web page having a window for inputting login information to a user terminal and outputting the same on a screen; (2-3) determining whether a user selects a login menu item after inputting login information through the above-described initial web page; (2-4) comparing the login information input by the user with the user information stored in the DB when the user selects the login menu item; (2-5) comparing, and determining whether the user is registered in the integrated cyber money management server; And (2-6) In the case of a registered user, information about the integrated cyber money owned by the individual is transmitted to the user terminal for output on the screen, and then the main web page including the hyperlink means of the affiliated server is transmitted to the user terminal. And outputting it on the screen, and if the user is not a registered user, further comprising the step of performing a membership registration routine. The method of claim 6, wherein the integrated cyber money acquisition routine of the process (3), (3-1) transmitting a login information input request message to a user who has made a communication connection, and determining whether the user is a registered member using the input login information; (3-2) When a user who has established a communication connection is a registered member When a user uses predetermined service information, an integrated cyber money preset in service information is generated and provided to the user. If not the process of performing a membership routine; And (3-3) further comprising the step of determining whether the user is a registered member in the integrated cyber money management server, and transmitting the information on the generated integrated cyber money to the integrated cyber money management server to be remitted to the bank account of the corresponding user. Network-based alternative payment method, characterized in that made by. The method of claim 6, wherein the integrated cyber money use and payment routine of the process (4), (4-1) transmitting a login information input request message to a user who has made a communication connection, and determining whether the user is a registered member using the input login information; (4-2) When the user who has established a communication connection is a registered member, the user sends an initial web page to enable the user who has established a communication connection to use various information provided by the server. Performing a membership registration routine if the member is not a registered member; (4-3) determining whether the user uses a service provided for a fee or purchases a product through the initial web page; (4-4) checking the user's payment method when the user uses a paid service or purchases a product; (4-5) determining whether the user is a member registered in the integrated cyber money management server when the user intends to pay the price with the integrated cyber money; And (4-6) If the user is a registered member in the integrated cyber money management server, the payment information is transmitted to the integrated cyber money management server, and the user receives payment for service use or product purchase through the bank server. The network-based alternative payment method further comprises the step of sending an error message if not registered in the money management server. The integrated cyber money information of claim 11, wherein when the user pays for the use of a paid service or purchases a product using the integrated cyber money, the integrated cyber money information generated according to the discount rate is determined by determining whether a discount rate is applied by the corresponding server. The network-based alternative payment method further comprises the step of transmitting to the money management server and accumulates and stores in the existing integrated cyber money. The method according to any one of claims 9 to 11, wherein the subscription routine is: Outputting a member registration guide message so that a user can register as a member; Determining whether the user clicked the subscribe button; Transmitting a webpage for membership to a user terminal when a subscription button is clicked by a user; Determining whether the user clicks a registration button after inputting user information through a web page for membership registration; Storing user information input through a web page for membership registration in a DB when the registration button is clicked by the user; Issuing and paying integrated cyber money according to membership; Determining whether the main integrated cyber money management module exists; And If the main integrated cyber money management module exists, it is stored in correspondence with user information of the corresponding user, and if the main integrated cyber money management module does not exist, the integrated cyber money paid upon membership registration to the main integrated cyber money management server The network-based payment alternative method further comprises the step of transmitting information. The method of claim 13, wherein the user information input through the webpage for registering members is stored in a user information DB provided in a server that is currently connected to a user terminal. The method of claim 6, further comprising: issuing a coupon according to a user's request so that when the user receives a paid service or purchases a product offline, the user can pay using the integrated cyber money. Network-based alternative payment method. In a storage medium in which a computer program is encoded so that a computer program can be used to purchase a service or a product for a fee using cyber money paid when a predetermined service is used on a website registered on the Internet. (A) When a user performs a communication connection to an integrated cyber money management server and registers as a regular member, the user pays an integrated cyber money, acquires the integrated cyber money, or purchases a paid service or product using the acquired integrated cyber money. A web page providing processor for transmitting a web page including a menu item for linking to a server capable of transmitting to a user terminal and transmitting a sub-integrated cyber money management processor to the linked server; (B) When the menu item corresponding to a predetermined server is selected through the web page, the address information of the predetermined server is searched, and the initial web page provided by the corresponding server is transmitted to the user terminal, and the sub-integrated cyber money of the corresponding server. An integrated cyber money management processor for changing a user's integrated cyber money information while maintaining communication with the management processor; And (C) a record of an alternative payment program including a payment settlement processor including a payment settlement processor for providing the integrated cyber money corresponding to the payment amount to the server to which the user is currently connected in response to the payment request signal input from the integrated cyber money management processor; media. 17. The alternative payment system of claim 16, further comprising a coupon issuance processor that issues a coupon at the user's request so that when the user is provided with a paid service or purchased a product offline, the user can pay using the integrated cyber money. Recording medium that records the program. The method of claim 16, wherein the integrated cyber money management processor, The integrated cyber money that is paid after the user terminal is linked to a predetermined server to perform a predetermined service is transmitted through the sub integrated cyber money management processor of the server to which the user is currently linked, and added to the integrated cyber money currently owned by the user. If the user wants to pay the price using the integrated cyber money, the user pays the price using the integrated cyber money that the user currently holds, and saves the money from the integrated cyber money as much as the paid price. Recording medium that records the payment program. The integrated cyber money management processor of claim 16, wherein the integrated cyber money management processor receives integrated cyber money information, which is repaid according to a discount rate determined by the server, when the user pays a price from the sub integrated cyber money management processor. Recording medium recording a payment program, characterized in that for updating the information about.