KR20000063938A - Service fees payment mothod using cyber-money in internet - Google Patents

Abstract

PURPOSE: A method for approving service fees using internet's cyber money is provided to enable users to directly approve service fees on a web site of a service company such as a communications company with the accumulated internet cyber money. CONSTITUTION: A method for approving service fees using internet's cyber money is composed of the steps of registration, confirmation, approval, and reduction. The membership of the client, who is connected to the service company's server, is verified when logging-in(S30). If not a member, the client is guided and becomes a member(S32). The client requests for the confirmation of the payable service fees to the service company website(S34). The service company server outputs the client's service fee on the web page(S36). The client confirms the service fee amount and selects a payment method from the web page(S38). The client selects a cyber money payment as a payment method(S40), confirms one's accumulated cyber money from the service company's web site(S42), and approves the payment of the service fee(S44). The service company informs the cyber money accumulation server of the payment approval completion(S46) and the cyber money accumulation server reduces the amount of client's accumulated cyber money(S48).

Description

Service fees payment mothod using cyber-money in internet}

The present invention relates to an electronic payment method capable of directly paying online a service fee to be paid on an offline person using cyber money earned on the Internet. More specifically, the cyber money earning server that accumulates the cyber money, and the client and the service company server that is in agreement with the cyber money earning server is connected to the client, the cyber money earning server on the service company's website It is about a method of paying their own service fee by cyber money.

With the development of the Internet, electronic commerce in cyberspace is actively being performed. However, many methods are being developed due to the uniqueness of the online payment method of commerce, which is an essential procedure in electronic commerce, but it is still insufficient due to security issues such as financial information of the parties.

In addition, the advertising means using the Internet is common, many companies are advertising on the website of the Internet advertising agency. A method commonly used as an internet advertising means is to display an advertisement image such as a banner on an advertisement agency's website, and to measure the advertisement effect by a client visiting and clicking. In this case, the advertising agency accumulates so-called cyber money, such as points, to the client who sees the advertisement on his website, and if a certain amount is earned, the advertiser pays the money to the client, and the advertiser commits in proportion to the number of clicks of his advertisement. It is operated as a system to pay the advertising agency.

However, since the cyber money earned in exchange for viewing the advertisement can be paid only by the amount set by the advertising agency, the client does not have to visit because it requires frequent visits and clicks of the website to earn the amount. Therefore, the current trend is that cyber money reserves are insignificant.

Therefore, anyone who is engaged in this field recognizes that e-commerce and advertisements on the Internet can continue to be developed only when the means of payment of e-commerce and cyber money are solved.

In order to solve such a problem on the Internet, a research method is to use cyber money as a payment method such as electronic commerce. Such a method is already being serviced on a website, and the representative method is a method of paying a mobile communication fee through cyber money.

1 is a schematic flowchart of a mobile communication service fee payment method using the above known cyber money.

As shown in FIG. 1,

When the client sees an advertisement on the website, the client registers as a member to the cyber money earning server that accumulates cyber money (S1),

Inputting information, such as a telephone number of a mobile communication terminal, by a client into a field of the website (S2);

Storing information of the inputted member and the mobile communication terminal in a database of a server (S3);

(S4) a client registered as the member clicking on an advertisement image on the website;

Receiving an advertisement image click signal of the client from the server and accumulating cyber money set in the advertisement image (S5);

(S6) requesting a payment by transmitting a service charge history of the client to the server in a mobile communication company which has a business agreement with an operator of the website;

Receiving a payment history transmitted from the mobile communication company at a server (S7);

Paying the corresponding amount to the mobile communication company based on the service charge history received from the server (S8);

After the payment is completed, and the server subtracts the amount paid in the cyber money of the client (S9).

However, the mobile communication fee payment method using the conventional cyber money is a client service fee payment request from the mobile communication company to the server, and the payment amount to the mobile communication company with the cash from the server to pay the corresponding amount in the client's cyber money Since it is a method of subtracting, if the accumulated cyber money of the client does not meet the service fee, there is a problem in that the server cannot make a payment to the mobile communication company. Therefore, the usefulness of the cyber money described above is not as large as expected.

In addition, in terms of a mobile communication company, there is a problem that only the payment request is made to the server operator, and there is no advantageous effect of using such a system, and when the cyber money is insufficient, the payment must be requested from the client again. .

In the present invention to solve the problem of the conventional payment method of the mobile communication service fee using the cyber money, the object of the present invention is the earned cyber money on the Internet service fee on the website of the service company such as a communication company To provide a way for the user to pay directly.

Another object of the present invention is to diversify a service company that can pay with cyber money, and the companies become advertisers, and the cyber money earned by viewing the advertisement is visited by the user and visits the service company website. It is to provide an electronic payment method of the service fee to increase the advertising effect of the company.

Another object of the present invention is to provide a service on the Internet that can be settled immediately if the cyber money is shorter than the service fee to be paid, the server of the server company is provided with not only the cyber money but also other payment means. To provide a payment method.

1 is a flowchart illustrating a mobile communication fee payment method using a conventional cyber money.

2 is a schematic Internet system diagram for implementing the service bill payment method of the present invention.

3 is a schematic flowchart of a cyber money earning process in an Internet website.

4 is a flowchart illustrating an embodiment of a service bill payment method of the present invention.

FIG. 5 is a detailed flowchart of the main process of FIG. 4.

FIG. 6 is a detailed flowchart of another main process of FIG. 4.

<Description of Major Symbols in Drawing>

1, 2: client terminal 3: website

4: cyber money earning server 5: storage device

6: Member Information Database 7: Cyber Money Database

8: Advertising data database 9: Member company database

10: Application 12,13,14: member company website

As a technical idea for achieving the object of the present invention, in the present invention, by clicking on the advertisement image in the client terminal cyber money earning server having a website for earning cyber money, the cyber money earning server and the Internet In an Internet system including a service company website, such as a mobile communication company, connected through a web site, a client terminal, which is an owner of a mobile communication terminal receiving services of a service company such as the mobile communication company, accesses the operator website and advertises. The present invention provides an electronic payment method for earning cyber money, paying the service fee by selecting the payment with the cyber money by accessing the service company website.

According to the present invention, the service company can recover the cost paid as the advertising fee as the service usage fee, and the service user has a similar benefit to the free service by not paying the service fee by paying a separate fee by viewing the advertisement, The operator's website has the effect of increasing the advertising effect.

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

First, the Internet system for implementing the Internet payment method of the present invention will be described schematically.

The present invention utilizes the World Wide Web (www) service among various service methods of the Internet. When the server computer system transmits the visual and audio web page and data information to the remote client computer system, the remote client computer system receives the web page and data information and displays it on the dedicated web browser.

As such, in order to view a specific web page on the client computer system, a URL can be inputted to the web browser to access the specific web page and to transmit and receive data.

2 is a schematic Internet system diagram for implementing the service bill payment method of the present invention.

As shown in Fig. 2, a client terminal 1 (2) having an internet communication means, an operator website 3 to which the client terminals can be connected via the Internet, the website 3, and various A cyber money earning server 4 including a storage device 5 storing a database, a cyber money earning server that has a business form with the cyber money earning server, and a service company website 12 connected through the Internet. (13) and (14) are included.

The storage device 5 includes a member information database 6, a cyber money database 7, an advertisement data database 8, a member company database 9 and an application program database 10.

The service company website (12) (13) (14) is provided with a means for payment by the cyber money accumulated in the cyber money earning server, which can check the cyber money accumulated in the cyber money earning server Means are provided.

By using the Internet system to implement the method of the present invention, the client terminal accesses an operator website using a web browser and clicks an advertisement image on the website to accumulate cyber money in a cyber money earning server. The user of the client terminal, which is the owner of the mobile communication terminal receiving the service of the server company such as the mobile communication company, accesses the service company website and selects to pay with the accumulated cyber money to pay the service fee. .

3 is a schematic flowchart of a cyber money earning process in an Internet website.

When the client sees the advertisement login step (S10) to access the Internet site that accumulates the cyber money to check the membership,

If not a member to register (S12) and,

Step S14 of clicking the advertisement image on the website in the client terminal,

Accumulating cyber money on the client information at the server recognizing the advertisement image click signal (S16);

Determining whether the client has keyed in order to check the earned cyber money (S18),

If there is no confirmation key input, the step is terminated, and if the confirmation key input is received (S20), displaying the summed cyber money on the web page.

The cyber money earning process is one example, and there are various methods such as earning cyber money when responding to commerce, polls, etc. as well as advertising.

4 is a flowchart illustrating a method of paying a service fee by a client accessing a service company website as an embodiment of the service fee payment method of the present invention.

Login step (S30) for confirming the membership of the client connected to the server of the service company,

In step S32, if the client is not a member in the login step to guide the membership, the client registers as a member;

The client requesting confirmation of a service fee to be paid by the client at a service company website (S34);

(S36) outputting a service fee of the client in a web page at a service company server recognizing a key input from the website;

The client confirming the payment amount on the website, selecting a payment method on the web page (S38);

Selecting, by the client, the cyber money payment as a payment means (S40);

In step S42, the client checks his / her accumulated cyber money on the service company website;

Checking the earned cyber money on the website and paying the service fee (S44),

The service company notifies the cyber money earning server of the completion of payment of the client (S46),

And subtracting the earned cyber money of the client from the cyber money earning server to receive the payment completion notice from the service company server (S48).

In the payment process, the cyber money is the cyber money accumulated in the cyber money earning server, and the service company server and the cyber money earning server are connected and transmit and receive data while the client makes a payment at the service company website.

The service company website is a website registered as a member of the cyber money earning server, and the client is a member who needs to pay a service fee while receiving the service of the service company, and is registered as a member in the cyber money earning server. It is a person who has accumulated cyber money.

The step of selecting the payment means (S38) is a step of selecting from a plurality of payment means provided on the service company website, for example, credit card, giro and cyber money accumulated in the cyber money earning server, etc. The client is configured to make a selection by marking it.

When the client pays the service charge with the cyber money and notifies the cyber money earning server from the service company server, the cyber money earning server is operated to pay cash corresponding to the payment amount to the service company.

FIG. 5 is a flowchart of an embodiment of a process (S42) in which the client checks the cyber money accumulated in the cyber money earning server in the service company website in the payment process of FIG.

In step S50, the client requests a confirmation of his / her earned cyber money from the service company web page,

Transmitting the request information from the service company server recognizing the confirmation request key input of the client to a cyber money earning server (S51);

Receiving request information from a service company server at the cyber money earning server (S52);

Inquiring the client information and the earned cyber money from the cyber money earning server, inputting a client's ID and password, and then transmitting a web page of a specific type to check the earned cyber money to the service company server (S53); ,

Receiving a web page of a specific type transmitted from the cyber money earning server (S54),

Outputting a web page of a specific type received from the service company server to a website (S55);

In step S56, the client inputs an ID and password registered in the cyber money earning server in a corresponding window of the web page output to the website;

Transmitting the inputted ID and password from the service company server to a cyber money earning server (S57);

Checking the ID and password of the client received by the cyber money earning server and transmitting the accumulated cyber money data of the client to the service company server if the ID and password match the inquiry ID and password (S58);

And outputting the accumulated cyber money received from the service company server to the specific type web page (S59).

FIG. 6 is a detailed flowchart of another main process of FIG. 4, and is a flowchart of an embodiment of a process in which a client checks his / her accumulated cyber money and makes a payment in comparison with a payment amount.

After the client checks his / her earned cyber money, when the payment key of the service fee is input, comparing the accumulated cyber money with the payment amount (S60),

(S61) and approving the payment if the comparison result accumulated cyber money is more than the payment amount;

(S62) confirming whether or not to use another payment method when the accumulated amount of cyber money is less than the settlement result;

If it is confirmed that the other payment method is used to select another payment method on the website (S63),

Making a payment using the selected payment means (S64);

If it is determined that the other payment method is not selected in the other payment method selection confirmation step, and outputting a non-payment message on the web page (S65).

In the embodiment of the present invention described above, the service company includes, for example, a private service company such as a mobile communication company such as a mobile phone, a PC communication company, an Internet service company, a cable TV service company, and the like. This includes national public service companies such as landline telephone service companies and city gas supply companies.

Although one preferred embodiment of the present invention has been described above, various embodiments included in the technical idea of the present invention can be cited.

For example, in the process of the client confirming the self-saving cyber money on the service company's website, the client has a confirmation request button linked to the cyber money confirmation web page of the cyber money earning website. When the button is clicked, the confirmation web page of the accumulated cyber money website is displayed on a predetermined portion of the service company web page, where a client can present a method of confirming his cyber money.

In addition, when the client wants to make a payment by cyber money, if the cyber money is insufficient, a method of selecting another payment means, for example, a credit card payment method, etc. may be provided for the shortage. In this case, the payment amount paid to the service company in the cyber money earning server is an amount corresponding to the cyber money used by the client.

As described above, in the present invention, when a user clicks an advertisement image on a client terminal, a cyber money earning server having a website for accumulating cyber money, and a mobile communication company connected to the cyber money earning server through the Internet, etc. In the Internet system including the advertiser's website of, the client terminal, the owner of the mobile communication terminal that is being serviced by a server company such as the mobile communication company to access the operator's website to earn the cyber money by viewing the advertisement, By using the electronic payment method of paying the service fee by selecting the payment with the cyber money by accessing the service company website, the service company can recover the cost of the advertisement fee as the service use fee, and the service user. Separate rain by seeing advertising There is a similar benefit to the free service by not paying for the service fee, and the operator website has the effect of increasing the advertising effect.

Claims (9)

In an Internet system including a company server providing a service, a client terminal receiving the service and a cyber money earning server that accumulates cyber money to the client in a website of the Internet, A login step of confirming the membership of the client connected to the server of the service company; Requesting the client to confirm the service fee to be paid by the client company website; Outputting a service fee of the client to a web page at a service company server recognizing a key input from the website; Selecting a payment method on a web page by a client checking the payment amount on the website; Selecting, by the client, the cyber money payment as a payment means; The client confirming his / her accumulated cyber money on the service company website; Checking the earned cyber money on the website and paying for the service fee; Notifying the cyber money earning server of the completion of payment of the client by the service company; And subtracting the earned cyber money of the client from the cyber money earning server to receive the payment completion notice from the service company server. The method according to claim 1, If the client connected in the login step is not registered as a member of the server of the service company, the service fee using the cyber money on the Internet, characterized in that it further comprises the step of displaying a member registration guide on the web page and signing up for membership. Payment Method. The method according to claim 1, The process of earning cyber money on the client information in the cyber money earning server, A login step in which a client accesses the website of the cyber money earning server that accumulates cyber money by using a terminal to check membership; If you are not a member, Performing key input on the website according to the instructions related to the cyber money on the client terminal; And accumulating cyber money on the client information in the server recognizing a key input of the client terminal. The method of claim 3, wherein the key input related to the cyber money is to click an advertisement image, a poll, or an event participation button provided on a web page. The method of claim 1, wherein the checking of the self-saving cyber money by the client comprises: Requesting the client to confirm his / her earned cyber money on the service company web page; Transmitting the request information to a cyber money earning server at a service company server recognizing a confirmation request key input of the client; Receiving request information from a service company server at the cyber money earning server; Transmitting the web page of a specific type to check the earned cyber money after inputting the ID and password of the client after inquiring the client information and the accumulated cyber money from the cyber money earning server; Receiving a web page of a specific type transmitted from the cyber money earning server; Outputting a web page of a specific type received from the service company server to a website; Inputting the ID and password of the client registered in the cyber money earning server in a corresponding window of the web page output to the website; Transmitting, by the service company server, the input ID and password to a cyber money earning server; Checking the ID and password of the client received from the cyber money earning server and transmitting the earned cyber money data of the client to the service company server if the ID and password match the inquiry; And a step of outputting the earned cyber money received from the service company server on the specific type web page. The method of claim 1, wherein the checking of the self-saving cyber money by the client comprises: On the service company web page, the cyber money confirmation website has a confirmation request button linked to the web page. When the client clicks the button, the confirmation of the earned cyber money website is confirmed on a predetermined portion of the service company web page. A method of payment of a service fee using cyber money on the Internet, comprising the step of allowing a web page to be displayed so that a client can check his / her cyber money there. The method of claim 1, wherein the service fee payment step of the client, After the client checks his / her earned cyber money, when the customer enters a payment key for the service fee, the client compares the accumulated cyber money with the payment amount; Approving a payment if the comparison result is greater than or equal to the amount of payment; Confirming whether or not to use another payment method provided on the website if the accumulated cyber money is less than the payment amount; Selecting another payment method on the website when it is confirmed that the payment method is used; Making a payment using the selected payment method; If it is determined that the other payment method is not selected in the other payment method selection step, the service fee payment method using the cyber money on the Internet, characterized in that it comprises the step of outputting a non-payment message on the web page. The method of claim 7, wherein the other payment means selectable by the client includes a credit card or a bank payment means. The method of claim 7, wherein the other payment means selectable by the client includes a credit card or a bank payment means.