KR20000059139A - Co-settlement system with ordinary money and cyber money through internet - Google Patents

Abstract

PURPOSE: A transaction system using money and cyber money on the internet is provided to utilize the milieage pointing system on the internet space effectively by paying through money and cyber money. CONSTITUTION: The transaction system on the internet includes a server(1). The server(1) provides transaction information of items capable of transacting such as products or service, labor, used products, knowledge, information, source etc, constructs a database(3) stored information on the contents and values of transacting items for performing intercession of transaction, mediation or agency and loads the database(3) to a home page(2). A member or member's terminal(5,6) connects to the server(1) through internet. The database(3) stores a member management and data relating to a cyber account(20) of a member. In special, data relating to the sum of amount of the ordinary money(12) and the cyber money(14) is loaded to the home page.

Description

Co-settlement system with ordinary money and cyber money through internet}

The present invention relates to a system for joint settlement of ordinary money and cyber money on the Internet, and more specifically, by sharing an arbitrary ratio of ordinary money and cyber money with respect to transactions carried out or carried out on the Internet, by establishing a bond between members and It is about a new payment system on the Internet that has strengthened cooperation, facilitated trade and exchange, and contributed to the development of the community.

In recent years, with the development of computer and information communication technology and the expansion of the Internet, many Internet sites that provide various contents such as electronic commerce, portal sites, and information provision such as shopping malls implemented through the Internet have appeared. Among these Internet sites, based on the community that forms the same living area, various living information such as product information or living information about local businesses or real estate or job search, used and recycled goods trading information, and various events and volunteer activities in the community There are also community-based informational sites that provide the industry. Such online e-commerce, mediation, and intermediation in the cyber world, which are realized through the Internet, are changing our life patterns by rapidly closing deals, reducing transaction costs, reducing distribution stages, and providing real-time information.

On the other hand, as a payment method of the electronic commerce in the past, cyber currency of various methods has appeared to apply the payment method by ordinary money, such as cash payment or credit card payment made in the real world in the cyber world. In addition, mileage points, coupons, and other giveaways, which are provided as bonuses to customers based on certain criteria, are also emerging to promote sales in the cyber world. However, these conventional mileage points are usually provided as an additional bonus when a customer purchases a product or service, and the accumulated mileage points are generally used only for the company that sold the product or service and the company affiliated with the other product or service. When using it as a cyber currency, there is a problem that the use range is extremely limited. In addition, the conventional mileage system only receives one-time mileage bonus in exchange for purchase or consumption, and can not actively generate mileage, thereby remaining in a passive consumer position in the transaction involving mileage, There was a problem that could not actively establish an active trading relationship.

As such, although the development of the Internet has greatly contributed to changes and developments in society, such as economic activities and ways of thinking, Internet contents aimed at profits such as mediation or mediation of conventional e-commerce or online transactions are too profitable. It is operated mainly, which causes side effects and dysfunctions, but it has a problem of not being able to actively participate in the development of the community and make an active contribution to strengthening the bonds of local residents.

On the other hand, in the past, similar to the traditional Durana Pumasi, the members and local residents mutually provided goods and labor, but these things are mainly done offline, so it is difficult to expect a fast and efficient transaction or exchange. The social ripple effect was also insufficient.

The present invention has been proposed in view of the limitations of the information providing site, such as the conventional electronic commerce or mediation of the transaction through the Internet, as described above, in addition to the normal currency for payment means for electronic commerce only between specific members By using the common cyber currency as a common means of payment, it is possible to reduce the transaction price, promote the trading of goods and services, promote the local economy, promote service and mutual cooperation, raise community consciousness, It aims to provide a new internet trading system that can contribute to the healthy development of the community.

1 is a schematic structural diagram of a system according to the present invention

2 is a schematic structural diagram of a homepage bulletin board of the system;

<Explanation of symbols for main parts of drawing>

1. Server 2. Homepage

3. Database 5,6. member

10. Item 12. Amount of Normal Currency

14. Cyber Money Amount

To provide transaction information on all tradable items such as goods, services, labor, used goods, knowledge, information, resources, etc., and the contents and prices of the transaction target item 10 to arrange, broker or act on the transaction. A database (3) is established for the information of &lt; RTI ID = 0.0 &gt; and &lt; / RTI &gt; In a trading system on the Internet in which an item 6 to be purchased is registered and a member 6 responding to a transaction can view the item 10 registered on the server 1 and respond to a transaction, the transaction target item ( The price of 10) is registered in the server 1 as the sum of the normal currency amount 12 to be paid in the normal currency having the compulsory currency and the cyber money amount 14 to be paid in the cyber currency only used between members. Load on the home page 2 When the transaction is established, the normal currency amount 12 is settled in the usual payment method, and the cyber money amount 14 is stored and managed in the database 3 of the server 1. And the amount of cyber money accumulated by the member 5 in the cyber account 20 through any one transaction can be used as a means of payment in transactions with other members. A cyber settlement cooperative transaction system is provided.

According to another feature of the present invention, the transaction target item 10 includes an unpaid social service item 10a that cannot be paid by the normal currency amount 12, and the social service item 10a is a cyber member of the member. There is provided a joint settlement system of ordinary money and cyber money on the Internet, characterized in that the account 20 is settled with the cyber money amount 14.

According to another feature of the present invention, the cyber currency commonly used only between the members is mileage, coupons, points or co-payment of ordinary currency and cyber currency on the Internet, which is a local currency that can be commonly used within a certain region. A system is provided.

According to another feature of the present invention, the system is a joint settlement system of ordinary money and cyber money on the Internet, characterized in that made by connecting the local unit site relatively easy for physical and physical exchange between members in a nationwide unit via a network This is provided.

Hereinafter, with reference to the drawings will be described a preferred embodiment of the present invention.

Figure 1 is a schematic configuration diagram of the system of the present invention, Figure 2 shows a schematic configuration of the homepage, as shown, all items that can be traded, such as goods, services, labor, used goods, knowledge, information, resources, etc. A server (3) is provided which stores information such as the contents and price of the transaction target item (10), and loads it on the homepage (2) in order to provide transaction information for the transaction, and to arrange, broker, or act on the transaction. (1) and members or member terminals 5 and 6 connected to the server 1 via the Internet. The database 3 stores member management for managing member registration, withdrawal, and personal information, and data on the member's cyber account 20. In particular, the price of the transaction target item 10 is made up of the sum of the normal currency amount 12 to be paid in the normal currency having the compulsory currency and the predetermined cyber money amount 14 only used between the members. 2) is loaded on.

Therefore, the member (5) who wishes to apply for a transaction, that is, the subscriber enters the transaction conditions such as the content and price of the item (10), etc. into the server (1). It must be entered in the form of an agreement of the monetary amount 14, which is stored in the database 3 of the server 1 and loaded on the bulletin board of the homepage 2 and disclosed. Then, upon seeing the bulletin board of the homepage 2, another member 6, that is, the responder, responds to the transaction. At this time, bargaining and negotiation about price or other terms can be made through the chat. Then, when the transaction is completed, among the transaction prices, the normal currency amount 12 is processed through ordinary payment means such as cash, card, credit, transfer, etc., and the cyber money amount 14 is deposited into the member's cyber account 20. Or withdrawn and managed. That is, the seller of goods, the service, labor, information provider, etc. increases the balance of the cyber account 20 by the amount of the cyber currency of the transaction, and the purchaser of the goods or services increases the balance of the cyber account 20 of the user. Decreases by the amount of money. And, preferably, the balance of the trading partner's cyber account 20 is disclosed to the trading partner, so as to grasp the credit status of the trading partner's cyber account and reflect it in the decision making.

In addition, the transaction target item 10 includes an unpaid social service item 10a that cannot be settled in ordinary currency. Therefore, the provision of labor corresponding to this social service item can be compensated by the cyber money amount through the cyber account 20, so that participation in active social service can be induced.

Hereinafter, the items of the homepage bulletin board of the system of the present invention illustrated in FIG. 2 will be described in more detail.

1) It is divided by area, and () is 'service code' and uses this code to organize by category and service type.

Applicants list on the list of skills, products and services they provide or request, as well as what they want to serve.

2) The provider uses ++ and the applicant uses the-symbol.

3) The content line describes the goods or services to be provided or requested.

4) The ID of the registrant column is a member unique code.

5) The amount column is divided into normal currency amount and cyber currency amount (CM). The pricing and cyber money amount will be decided by the member himself.

6) The term of validity is the period during which transactions can be made and can be extended at your discretion.

7) The remarks column indicates the unit of transaction amount.

Hereinafter, specific application examples of the joint payment system (called LETSKOREA) of the normal currency amount and the cyber money amount will be described.

(Application Case)

Kim has a restaurant near the university. He provides meals (white spots) for 2,500 won to members of the LETSKOREA system, including 2,000 won for cash and 500 won for local currency (cyber currency). Members were able to reduce their cash spending by 500 won, so they used it frequently, and Mr. Kim gained more profit by having more customers. In addition, they purchased cash and local currency at a 8: 2 ratio by direct trading from members who farm rice and vegetables on the outskirts. As a result, Mr. Kim was able to be satisfied with the profits from the separation and the cost reduction, and the farming members secured fixed customers in the city, and local money could accumulate even if they were sold at the shipping price without going through an intermediate merchant. He called for the unemployed in the city during the farming season to save his work. At this time, 40,000 won out of 50,000 won was paid in cash and 10,000 was paid in local currency to reduce cash expenditure. On the other hand, students were able to solve meals for 2,000 won with cash and local currency earned from part-time jobs and volunteer activities, so that all users could benefit. Could. Kim is, of course, always ahead of the competition with higher quality materials. In addition, information exchange using the Internet and exchanges between regions occurred, which helped the urban unemployed and rural workers.

According to the present invention described above, in providing transaction information for all items that can be traded, such as goods, services, labor, etc., and in arranging, brokering, or acting on a transaction, the price of the item to be traded (10) is the normal currency. Register the server 1 with the sum of the amount 12 and the amount of cyber currency 14 used only between the members, and at the time of settlement of the transaction, part of the payment is made in ordinary currency, and part of the mileage is paid through the cyber account. By adding or subtracting, it is possible to purchase goods or services at a low cost, thereby increasing purchasing power and increasing exchanges, thereby contributing to revitalization of the local economy. Promotion and effective compensation for social service, so that it can induce social service and participation, promote the development of individuals and communities, In addition, it can achieve a breakthrough effect that the system is also active with other areas connected through the network.

Claims (4)

To provide transaction information on all items that can be traded, including goods, services, labor, used goods, knowledge, information, resources, etc., and the contents and prices of the items to be traded (10) in order to arrange, broker, or act on the transaction. A database (3) is established for the information of &lt; RTI ID = 0.0 &gt; and &lt; / RTI &gt; In a trading system on the Internet in which an item 6 to be purchased is registered and a member 6 responding to a transaction can view the item 10 registered on the server 1 and respond to a transaction, the transaction target item ( The price of 10) is registered in the server 1 as the sum of the normal currency amount 12 to be paid in the normal currency having the compulsory currency and the cyber money amount 14 to be paid in the cyber currency only used between members. Load on the home page 2 When the transaction is established, the normal currency amount 12 is settled in the usual payment method, and the cyber money amount 14 is stored in the database 3 of the server 1 and managed by the cyber account 20 of the member. And the amount of cyber money accumulated by the member 5 in the cyber account 20 through any one transaction can be used as a means of payment in transactions with other members. Co-payment transaction system of cyber money. The item 10 of claim 1, wherein the transaction target item 10 includes an unpaid social salary item 10a that cannot be settled with a normal money amount 12, and the social salary item 10a is a member's cyber account ( 20) a joint settlement system of ordinary money and cyber money on the Internet, characterized in that the payment to the cyber money amount (14). The system of claim 1, wherein the cyber currency commonly used between the members is a mileage, a coupon, or a point or a local currency that can be used within a certain region. The system of claim 1, wherein the system is formed by connecting regional unit sites, which are relatively easy to exchange physical and physical members, to nationwide units through a network.